Home > Carver State Bank > Performance and Condition Ratios
Carver State 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 | 5.8198% | 809 |
| Cost of funding earning assets | 0.3078% | 4,372 |
| Net interest margin | 5.5120% | 184 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 3.7795% | 435 |
| Loan and lease loss provision to assets | 0.5100% | 177 |
| Net operating income to assets | 1.3215% | 1,391 |
| Return on assets (ROA) | 1.3215% | 1,355 |
| Pretax return on assets | 1.5543% | 1,320 |
| Return on Equity (ROE) | 9.0700% | 2,740 |
| Retained earnings to average equity (ytd only) | 9.0701% | 1,237 |
| Net charge-offs to loans | 0.4617% | 228 |
| Credit loss provision to net charge-offs | 229.7297% | 1,127 |
| Earnings coverage of net charge-offs (x) | 9.3351% | 2,297 |
| Efficiency ratio | 64.7047% | 2,523 |
| Assets per employee ($millions) | 4.8180% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3495% | 237 |
| Loan loss allowance to noncurrent loans | 133.4688% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 522 |
| Noncurrent loans to loans | 1.7604% | 348 |
| Net loans and leases to total assets | 49.9800% | 3,591 |
| Net loans and leases to deposits | 62.2262% | 3,391 |
| Net loans and leases to core deposits | 66.6993% | 3,465 |
| Total domestic deposits to total assets | 80.3200% | 3,414 |
| Equity capital to assets | 17.9901% | 349 |
| Core capital (leverage) ratio | 18.2281% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $83,766,600 | 3,987 |
| Average earning assets | $73,422,000 | 3,998 |
| Average equity | $12,205,000 | 3,504 |
| Average total loans | $40,072,200 | 3,996 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6225% | 887 |
| Cost of funding earning assets | 0.2575% | 4,398 |
| Net interest margin | 5.3650% | 206 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 3.8053% | 418 |
| Loan and lease loss provision to assets | 0.6700% | 109 |
| Net operating income to assets | 0.8817% | 2,746 |
| Return on assets (ROA) | 0.8817% | 2,733 |
| Pretax return on assets | 0.8817% | 3,146 |
| Return on Equity (ROE) | 6.4200% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.4174% | 2,490 |
| Net charge-offs to loans | 0.6261% | 142 |
| Credit loss provision to net charge-offs | 228.4946% | 1,039 |
| Earnings coverage of net charge-offs (x) | 5.2796% | 2,355 |
| Efficiency ratio | 70.9982% | 1,680 |
| Assets per employee ($millions) | 4.8631% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3815% | 238 |
| Loan loss allowance to noncurrent loans | 205.8577% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 910 |
| Noncurrent loans to loans | 1.1569% | 684 |
| Net loans and leases to total assets | 48.7900% | 3,695 |
| Net loans and leases to deposits | 59.6557% | 3,524 |
| Net loans and leases to core deposits | 63.8141% | 3,535 |
| Total domestic deposits to total assets | 81.7800% | 3,254 |
| Equity capital to assets | 16.9838% | 397 |
| Core capital (leverage) ratio | 17.8535% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $84,231,750 | 3,993 |
| Average earning assets | $73,536,500 | 4,011 |
| Average equity | $11,572,500 | 3,569 |
| Average total loans | $39,609,500 | 4,012 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1961% | 1,217 |
| Cost of funding earning assets | 0.2185% | 4,410 |
| Net interest margin | 4.9776% | 318 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 3.8277% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7316% | 3,266 |
| Return on assets (ROA) | 0.7316% | 3,275 |
| Pretax return on assets | 0.7316% | 3,536 |
| Return on Equity (ROE) | 5.7700% | 3,742 |
| Retained earnings to average equity (ytd only) | 5.7676% | 2,705 |
| Net charge-offs to loans | 0.1537% | 507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,996 |
| Efficiency ratio | 83.9545% | 598 |
| Assets per employee ($millions) | 4.9364% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6798% | 780 |
| Loan loss allowance to noncurrent loans | 126.1023% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.7329% | 698 |
| Noncurrent loans to loans | 1.3321% | 533 |
| Net loans and leases to total assets | 49.8700% | 3,570 |
| Net loans and leases to deposits | 59.8553% | 3,428 |
| Net loans and leases to core deposits | 63.6371% | 3,470 |
| Total domestic deposits to total assets | 83.3200% | 2,981 |
| Equity capital to assets | 13.0342% | 800 |
| Core capital (leverage) ratio | 13.1955% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $84,751,333 | 4,006 |
| Average earning assets | $74,132,667 | 4,026 |
| Average equity | $10,749,667 | 3,656 |
| Average total loans | $39,039,667 | 4,035 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 1,339 |
| Cost of funding earning assets | 0.1521% | 4,453 |
| Net interest margin | 4.7903% | 375 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 3.8841% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4462% | 4,010 |
| Return on assets (ROA) | 0.4462% | 3,962 |
| Pretax return on assets | 0.4462% | 4,061 |
| Return on Equity (ROE) | 3.5700% | 4,107 |
| Retained earnings to average equity (ytd only) | 3.5662% | 3,379 |
| Net charge-offs to loans | 0.3434% | 232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2.9688% | 1,908 |
| Efficiency ratio | 89.6963% | 368 |
| Assets per employee ($millions) | 5.0777% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8052% | 661 |
| Loan loss allowance to noncurrent loans | 77.6688% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.1191% | 341 |
| Noncurrent loans to loans | 2.3243% | 214 |
| Net loans and leases to total assets | 44.9300% | 3,826 |
| Net loans and leases to deposits | 53.4967% | 3,716 |
| Net loans and leases to core deposits | 57.1414% | 3,685 |
| Total domestic deposits to total assets | 83.9800% | 3,099 |
| Equity capital to assets | 12.4338% | 887 |
| Core capital (leverage) ratio | 12.9859% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $85,168,000 | 4,049 |
| Average earning assets | $73,648,500 | 4,087 |
| Average equity | $10,655,500 | 3,706 |
| Average total loans | $37,277,500 | 4,113 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 2,068 |
| Cost of funding earning assets | 0.2176% | 3,615 |
| Net interest margin | 3.6511% | 1,490 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 3.0101% | 956 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9191% | 2,884 |
| Return on assets (ROA) | 0.9191% | 2,832 |
| Pretax return on assets | 0.9191% | 3,298 |
| Return on Equity (ROE) | 7.1400% | 3,609 |
| Retained earnings to average equity (ytd only) | 7.1362% | 2,183 |
| Net charge-offs to loans | 0.0568% | 1,082 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 38.1667% | 1,535 |
| Efficiency ratio | 76.6088% | 957 |
| Assets per employee ($millions) | 4.9421% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1250% | 343 |
| Loan loss allowance to noncurrent loans | 274.9077% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 913 |
| Noncurrent loans to loans | 0.7730% | 965 |
| Net loans and leases to total assets | 40.8400% | 4,036 |
| Net loans and leases to deposits | 48.8261% | 3,941 |
| Net loans and leases to core deposits | 52.2633% | 3,902 |
| Total domestic deposits to total assets | 83.6500% | 3,285 |
| Equity capital to assets | 12.5906% | 788 |
| Core capital (leverage) ratio | 14.3622% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $74,747,800 | 4,194 |
| Average earning assets | $68,006,800 | 4,180 |
| Average equity | $9,627,000 | 3,913 |
| Average total loans | $31,683,600 | 4,214 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 1,923 |
| Cost of funding earning assets | 0.2510% | 2,696 |
| Net interest margin | 3.4904% | 1,690 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.8919% | 1,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0842% | 2,160 |
| Return on assets (ROA) | 1.0842% | 2,128 |
| Pretax return on assets | 1.0842% | 2,767 |
| Return on Equity (ROE) | 8.3600% | 3,214 |
| Retained earnings to average equity (ytd only) | 8.3640% | 1,862 |
| Net charge-offs to loans | -0.0303% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.7315% | 1,418 |
| Assets per employee ($millions) | 4.1865% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2482% | 321 |
| Loan loss allowance to noncurrent loans | 163.4820% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 806 |
| Noncurrent loans to loans | 1.3752% | 527 |
| Net loans and leases to total assets | 42.0900% | 3,979 |
| Net loans and leases to deposits | 50.1746% | 3,844 |
| Net loans and leases to core deposits | 55.4406% | 3,662 |
| Total domestic deposits to total assets | 83.8900% | 3,525 |
| Equity capital to assets | 13.1298% | 658 |
| Core capital (leverage) ratio | 13.1193% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $72,431,000 | 4,242 |
| Average earning assets | $66,925,000 | 4,220 |
| Average equity | $9,389,250 | 3,990 |
| Average total loans | $30,839,750 | 4,251 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9169% | 3,745 |
| Cost of funding earning assets | 0.2483% | 2,292 |
| Net interest margin | 2.6687% | 3,771 |
| Noninterest income to average assets | 1.0391% | 616 |
| Noninterest expense to average assets | 2.7833% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7108% | 3,273 |
| Return on assets (ROA) | 0.7108% | 3,224 |
| Pretax return on assets | 0.7108% | 3,547 |
| Return on Equity (ROE) | 5.5103% | 3,702 |
| Retained earnings to average equity (ytd only) | 5.5103% | 2,507 |
| Net charge-offs to loans | 0.0067% | 1,756 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 249.0000% | 473 |
| Efficiency ratio | 79.6569% | 974 |
| Assets per employee ($millions) | 5.6009% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5216% | 255 |
| Loan loss allowance to noncurrent loans | 106.1196% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.9129% | 547 |
| Noncurrent loans to loans | 2.3762% | 251 |
| Net loans and leases to total assets | 35.1072% | 4,288 |
| Net loans and leases to deposits | 41.4029% | 4,210 |
| Net loans and leases to core deposits | 45.2690% | 4,145 |
| Total domestic deposits to total assets | 84.7942% | 3,526 |
| Equity capital to assets | 12.4991% | 760 |
| Core capital (leverage) ratio | 15.6560% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,060,000 | 4,307 |
| Average earning assets | $64,451,000 | 4,299 |
| Average equity | $9,037,667 | 4,098 |
| Average total loans | $29,703,000 | 4,320 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2334% | 2,593 |
| Cost of funding earning assets | 0.3227% | 1,439 |
| Net interest margin | 2.9107% | 2,801 |
| Noninterest income to average assets | 0.2790% | 3,469 |
| Noninterest expense to average assets | 3.0753% | 715 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1078% | 4,602 |
| Return on assets (ROA) | -0.1078% | 4,584 |
| Pretax return on assets | -0.1078% | 4,575 |
| Return on Equity (ROE) | -0.8187% | 4,581 |
| Retained earnings to average equity (ytd only) | -0.8187% | 4,124 |
| Net charge-offs to loans | 0.0136% | 1,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -17.0000% | 1,819 |
| Efficiency ratio | 103.6325% | 195 |
| Assets per employee ($millions) | 4.2649% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5284% | 281 |
| Loan loss allowance to noncurrent loans | 108.5349% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 1.1708% | 380 |
| Noncurrent loans to loans | 2.3296% | 278 |
| Net loans and leases to total assets | 45.9781% | 3,580 |
| Net loans and leases to deposits | 56.2302% | 3,249 |
| Net loans and leases to core deposits | 62.9473% | 2,896 |
| Total domestic deposits to total assets | 81.7676% | 4,105 |
| Equity capital to assets | 12.9240% | 703 |
| Core capital (leverage) ratio | 13.2160% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,083,000 | 4,405 |
| Average earning assets | $58,267,000 | 4,399 |
| Average equity | $8,306,000 | 4,239 |
| Average total loans | $29,425,500 | 4,340 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 1,461 |
| Cost of funding earning assets | 0.4032% | 1,525 |
| Net interest margin | 3.5554% | 1,587 |
| Noninterest income to average assets | 2.1232% | 284 |
| Noninterest expense to average assets | 3.3942% | 554 |
| Loan and lease loss provision to assets | 0.9629% | 39 |
| Net operating income to assets | 0.8136% | 3,292 |
| Return on assets (ROA) | 0.8136% | 3,362 |
| Pretax return on assets | 1.0351% | 3,166 |
| Return on Equity (ROE) | 6.7324% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.7324% | 2,028 |
| Net charge-offs to loans | 0.3336% | 255 |
| Credit loss provision to net charge-offs | 535.7143% | 771 |
| Earnings coverage of net charge-offs (x) | 11.1161% | 2,173 |
| Efficiency ratio | 62.9464% | 2,722 |
| Assets per employee ($millions) | 4.1303% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6644% | 225 |
| Loan loss allowance to noncurrent loans | 84.6069% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.4575% | 293 |
| Noncurrent loans to loans | 3.1492% | 179 |
| Net loans and leases to total assets | 45.0496% | 3,762 |
| Net loans and leases to deposits | 56.5977% | 3,374 |
| Net loans and leases to core deposits | 63.8162% | 2,997 |
| Total domestic deposits to total assets | 79.5962% | 4,255 |
| Equity capital to assets | 13.5972% | 742 |
| Core capital (leverage) ratio | 13.7720% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,312,400 | 4,422 |
| Average earning assets | $57,293,600 | 4,422 |
| Average equity | $7,530,800 | 4,376 |
| Average total loans | $33,568,200 | 4,306 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0654% | 1,384 |
| Cost of funding earning assets | 0.3770% | 1,875 |
| Net interest margin | 3.6884% | 1,361 |
| Noninterest income to average assets | 2.5533% | 239 |
| Noninterest expense to average assets | 3.2690% | 629 |
| Loan and lease loss provision to assets | 1.2820% | 17 |
| Net operating income to assets | 1.0940% | 2,578 |
| Return on assets (ROA) | 1.0940% | 2,636 |
| Pretax return on assets | 1.3888% | 2,382 |
| Return on Equity (ROE) | 9.3418% | 2,988 |
| Retained earnings to average equity (ytd only) | 9.3418% | 1,555 |
| Net charge-offs to loans | -0.1035% | 4,624 |
| Credit loss provision to net charge-offs | -2,222.2222% | 4,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0360% | 3,652 |
| Assets per employee ($millions) | 3.9752% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9280% | 166 |
| Loan loss allowance to noncurrent loans | 116.9689% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.2947% | 440 |
| Noncurrent loans to loans | 2.5032% | 298 |
| Net loans and leases to total assets | 50.2063% | 3,392 |
| Net loans and leases to deposits | 63.9379% | 2,859 |
| Net loans and leases to core deposits | 72.5816% | 2,369 |
| Total domestic deposits to total assets | 78.5235% | 4,373 |
| Equity capital to assets | 14.1561% | 698 |
| Core capital (leverage) ratio | 12.5607% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,402,000 | 4,482 |
| Average earning assets | $57,295,250 | 4,479 |
| Average equity | $7,307,500 | 4,453 |
| Average total loans | $34,791,750 | 4,345 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4080% | 843 |
| Cost of funding earning assets | 0.3995% | 1,893 |
| Net interest margin | 4.0085% | 805 |
| Noninterest income to average assets | 0.4864% | 2,687 |
| Noninterest expense to average assets | 2.7287% | 1,512 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9980% | 2,885 |
| Return on assets (ROA) | 0.9980% | 2,967 |
| Pretax return on assets | 1.4338% | 2,230 |
| Return on Equity (ROE) | 9.1202% | 3,061 |
| Retained earnings to average equity (ytd only) | 9.1202% | 1,675 |
| Net charge-offs to loans | 0.0332% | 1,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 75.6667% | 861 |
| Efficiency ratio | 65.5539% | 2,216 |
| Assets per employee ($millions) | 4.6970% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7122% | 4,519 |
| Loan loss allowance to noncurrent loans | 29.4760% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.4378% | 406 |
| Noncurrent loans to loans | 2.4161% | 350 |
| Net loans and leases to total assets | 53.4284% | 3,203 |
| Net loans and leases to deposits | 64.7443% | 2,924 |
| Net loans and leases to core deposits | 88.4324% | 1,242 |
| Total domestic deposits to total assets | 82.5222% | 3,813 |
| Equity capital to assets | 11.7011% | 1,520 |
| Core capital (leverage) ratio | 12.0013% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,326,667 | 4,498 |
| Average earning assets | $58,076,000 | 4,497 |
| Average equity | $6,929,667 | 4,514 |
| Average total loans | $36,109,000 | 4,356 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 1,243 |
| Cost of funding earning assets | 0.4901% | 1,452 |
| Net interest margin | 3.6864% | 1,365 |
| Noninterest income to average assets | 0.6760% | 1,940 |
| Noninterest expense to average assets | 2.9182% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1311% | 2,382 |
| Return on assets (ROA) | 1.1311% | 2,456 |
| Pretax return on assets | 1.1311% | 3,038 |
| Return on Equity (ROE) | 10.7772% | 2,428 |
| Retained earnings to average equity (ytd only) | 10.7772% | 1,452 |
| Net charge-offs to loans | -0.4317% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0661% | 1,488 |
| Assets per employee ($millions) | 4.4835% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 4,229 |
| Loan loss allowance to noncurrent loans | 32.4380% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.5836% | 376 |
| Noncurrent loans to loans | 2.6971% | 321 |
| Net loans and leases to total assets | 52.8995% | 3,359 |
| Net loans and leases to deposits | 64.1044% | 3,116 |
| Net loans and leases to core deposits | 89.1048% | 1,280 |
| Total domestic deposits to total assets | 82.5210% | 3,794 |
| Equity capital to assets | 10.5647% | 2,201 |
| Core capital (leverage) ratio | 12.9077% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,762,500 | 4,561 |
| Average earning assets | $54,688,000 | 4,554 |
| Average equity | $6,272,500 | 4,611 |
| Average total loans | $35,207,000 | 4,395 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1570% | 361 |
| Cost of funding earning assets | 0.6653% | 1,895 |
| Net interest margin | 4.4917% | 335 |
| Noninterest income to average assets | 0.6039% | 2,205 |
| Noninterest expense to average assets | 3.7723% | 471 |
| Loan and lease loss provision to assets | 0.3826% | 843 |
| Net operating income to assets | 0.4281% | 4,185 |
| Return on assets (ROA) | 0.4281% | 4,265 |
| Pretax return on assets | 0.4281% | 4,375 |
| Return on Equity (ROE) | 4.3533% | 4,075 |
| Retained earnings to average equity (ytd only) | 4.3533% | 2,620 |
| Net charge-offs to loans | 0.4805% | 340 |
| Credit loss provision to net charge-offs | 121.7105% | 2,619 |
| Earnings coverage of net charge-offs (x) | 2.5789% | 3,155 |
| Efficiency ratio | 82.3105% | 731 |
| Assets per employee ($millions) | 3.7338% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7994% | 4,428 |
| Loan loss allowance to noncurrent loans | 38.1215% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.5706% | 450 |
| Noncurrent loans to loans | 2.0971% | 529 |
| Net loans and leases to total assets | 65.5176% | 2,155 |
| Net loans and leases to deposits | 81.2681% | 1,733 |
| Net loans and leases to core deposits | 94.2796% | 1,229 |
| Total domestic deposits to total assets | 80.6191% | 3,939 |
| Equity capital to assets | 10.4069% | 2,745 |
| Core capital (leverage) ratio | 10.8875% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,352,000 | 4,676 |
| Average earning assets | $42,834,800 | 4,686 |
| Average equity | $4,755,000 | 4,780 |
| Average total loans | $31,632,800 | 4,487 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4904% | 237 |
| Cost of funding earning assets | 0.7259% | 1,870 |
| Net interest margin | 4.7645% | 217 |
| Noninterest income to average assets | 0.3912% | 3,124 |
| Noninterest expense to average assets | 3.8278% | 444 |
| Loan and lease loss provision to assets | 0.3230% | 1,216 |
| Net operating income to assets | 0.4334% | 4,197 |
| Return on assets (ROA) | 0.4334% | 4,263 |
| Pretax return on assets | 0.4334% | 4,399 |
| Return on Equity (ROE) | 4.4795% | 4,033 |
| Retained earnings to average equity (ytd only) | 4.4795% | 2,810 |
| Net charge-offs to loans | 0.3796% | 418 |
| Credit loss provision to net charge-offs | 130.6818% | 2,444 |
| Earnings coverage of net charge-offs (x) | 3.0568% | 2,937 |
| Efficiency ratio | 83.4868% | 643 |
| Assets per employee ($millions) | 3.2258% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 4,413 |
| Loan loss allowance to noncurrent loans | 40.1189% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 2.5833% | 200 |
| Noncurrent loans to loans | 1.9409% | 637 |
| Net loans and leases to total assets | 71.1017% | 1,801 |
| Net loans and leases to deposits | 88.1024% | 1,475 |
| Net loans and leases to core deposits | 102.7384% | 996 |
| Total domestic deposits to total assets | 80.7035% | 3,725 |
| Equity capital to assets | 9.6410% | 3,561 |
| Core capital (leverage) ratio | 9.1674% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,371,750 | 4,708 |
| Average earning assets | $41,696,250 | 4,720 |
| Average equity | $4,583,750 | 4,818 |
| Average total loans | $30,910,000 | 4,526 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 1,367 |
| Cost of funding earning assets | 0.7984% | 1,837 |
| Net interest margin | 3.9194% | 1,527 |
| Noninterest income to average assets | 1.1814% | 714 |
| Noninterest expense to average assets | 3.8076% | 497 |
| Loan and lease loss provision to assets | 0.4887% | 744 |
| Net operating income to assets | 0.3272% | 4,366 |
| Return on assets (ROA) | 0.3272% | 4,422 |
| Pretax return on assets | 0.3272% | 4,501 |
| Return on Equity (ROE) | 3.3576% | 4,273 |
| Retained earnings to average equity (ytd only) | 3.3576% | 3,248 |
| Net charge-offs to loans | 0.6205% | 256 |
| Credit loss provision to net charge-offs | 125.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.0870% | 2,803 |
| Efficiency ratio | 82.3529% | 735 |
| Assets per employee ($millions) | 3.2951% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7575% | 4,445 |
| Loan loss allowance to noncurrent loans | 33.5868% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 2.8793% | 175 |
| Noncurrent loans to loans | 2.2554% | 549 |
| Net loans and leases to total assets | 65.8523% | 2,650 |
| Net loans and leases to deposits | 79.9328% | 2,431 |
| Net loans and leases to core deposits | 99.9971% | 1,254 |
| Total domestic deposits to total assets | 82.3846% | 3,270 |
| Equity capital to assets | 8.7954% | 4,268 |
| Core capital (leverage) ratio | 9.1305% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,063,333 | 4,731 |
| Average earning assets | $41,333,333 | 4,746 |
| Average equity | $4,586,667 | 4,845 |
| Average total loans | $29,655,333 | 4,569 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4724% | 395 |
| Cost of funding earning assets | 0.8810% | 1,964 |
| Net interest margin | 4.5914% | 422 |
| Noninterest income to average assets | 0.5335% | 2,374 |
| Noninterest expense to average assets | 4.4942% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0452% | 4,716 |
| Return on assets (ROA) | 0.0452% | 4,709 |
| Pretax return on assets | 0.0452% | 4,705 |
| Return on Equity (ROE) | 0.4385% | 4,698 |
| Retained earnings to average equity (ytd only) | 0.4385% | 3,895 |
| Net charge-offs to loans | -0.3260% | 4,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0040% | 255 |
| Assets per employee ($millions) | 2.8828% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 3,815 |
| Loan loss allowance to noncurrent loans | 54.8654% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 2.6277% | 253 |
| Noncurrent loans to loans | 1.7839% | 843 |
| Net loans and leases to total assets | 58.1281% | 3,659 |
| Net loans and leases to deposits | 74.5641% | 3,211 |
| Net loans and leases to core deposits | 100.2993% | 1,449 |
| Total domestic deposits to total assets | 77.9572% | 4,227 |
| Equity capital to assets | 9.9037% | 3,880 |
| Core capital (leverage) ratio | 10.5354% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,234,500 | 4,797 |
| Average earning assets | $38,594,000 | 4,808 |
| Average equity | $4,561,500 | 4,887 |
| Average total loans | $26,991,500 | 4,656 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1035% | 194 |
| Cost of funding earning assets | 0.8479% | 2,440 |
| Net interest margin | 5.2555% | 173 |
| Noninterest income to average assets | 1.5318% | 398 |
| Noninterest expense to average assets | 4.9664% | 219 |
| Loan and lease loss provision to assets | 0.4095% | 345 |
| Net operating income to assets | 0.6118% | 4,124 |
| Return on assets (ROA) | 0.6118% | 4,186 |
| Pretax return on assets | 0.6792% | 4,259 |
| Return on Equity (ROE) | 5.8102% | 3,972 |
| Retained earnings to average equity (ytd only) | 5.8102% | 1,975 |
| Net charge-offs to loans | 1.0849% | 146 |
| Credit loss provision to net charge-offs | 61.8182% | 3,019 |
| Earnings coverage of net charge-offs (x) | 1.6436% | 3,515 |
| Efficiency ratio | 82.0207% | 798 |
| Assets per employee ($millions) | 2.6466% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 3,945 |
| Loan loss allowance to noncurrent loans | 41.8244% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 3.3274% | 146 |
| Noncurrent loans to loans | 2.1593% | 580 |
| Net loans and leases to total assets | 62.9685% | 3,317 |
| Net loans and leases to deposits | 77.9923% | 3,003 |
| Net loans and leases to core deposits | 107.0070% | 1,049 |
| Total domestic deposits to total assets | 80.7368% | 3,824 |
| Equity capital to assets | 10.7569% | 3,215 |
| Core capital (leverage) ratio | 10.9912% | 2,507 |
| Tier 1 risk-based capital ratio | 15.7148% | 2,496 |
| Total risk-based capital ratio | 16.5725% | 2,581 |
| Memoranda: | ||
| Average total assets | $41,518,600 | 4,870 |
| Average earning assets | $35,733,800 | 4,901 |
| Average equity | $4,371,600 | 4,956 |
| Average total loans | $25,348,600 | 4,741 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1381% | 191 |
| Cost of funding earning assets | 0.8538% | 2,449 |
| Net interest margin | 5.2843% | 171 |
| Noninterest income to average assets | 1.2296% | 605 |
| Noninterest expense to average assets | 4.7895% | 245 |
| Loan and lease loss provision to assets | 0.4680% | 263 |
| Net operating income to assets | 0.4163% | 4,694 |
| Return on assets (ROA) | 0.4163% | 4,718 |
| Pretax return on assets | 0.5067% | 4,693 |
| Return on Equity (ROE) | 3.9762% | 4,599 |
| Retained earnings to average equity (ytd only) | 3.9762% | 3,408 |
| Net charge-offs to loans | 1.1699% | 124 |
| Credit loss provision to net charge-offs | 66.2100% | 2,660 |
| Earnings coverage of net charge-offs (x) | 1.3790% | 3,299 |
| Efficiency ratio | 83.0907% | 684 |
| Assets per employee ($millions) | 2.4266% | 5,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 2,997 |
| Loan loss allowance to noncurrent loans | 26.9155% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 4.3513% | 95 |
| Noncurrent loans to loans | 4.1133% | 161 |
| Net loans and leases to total assets | 59.3305% | 3,738 |
| Net loans and leases to deposits | 73.7132% | 3,499 |
| Net loans and leases to core deposits | 96.6933% | 1,946 |
| Total domestic deposits to total assets | 80.4882% | 3,869 |
| Equity capital to assets | 10.7364% | 3,349 |
| Core capital (leverage) ratio | 10.5569% | 3,050 |
| Tier 1 risk-based capital ratio | 16.1098% | 2,386 |
| Total risk-based capital ratio | 17.1293% | 2,415 |
| Memoranda: | ||
| Average total assets | $41,312,000 | 4,943 |
| Average earning assets | $35,450,000 | 4,978 |
| Average equity | $4,325,750 | 5,030 |
| Average total loans | $24,959,000 | 4,818 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9985% | 238 |
| Cost of funding earning assets | 0.7237% | 3,021 |
| Net interest margin | 5.2748% | 171 |
| Noninterest income to average assets | 1.6984% | 335 |
| Noninterest expense to average assets | 4.9211% | 226 |
| Loan and lease loss provision to assets | 0.7016% | 146 |
| Net operating income to assets | 0.4549% | 4,634 |
| Return on assets (ROA) | 0.4549% | 4,659 |
| Pretax return on assets | 0.5903% | 4,564 |
| Return on Equity (ROE) | 4.3809% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.3809% | 3,077 |
| Net charge-offs to loans | 1.7260% | 66 |
| Credit loss provision to net charge-offs | 67.1296% | 2,343 |
| Earnings coverage of net charge-offs (x) | 1.2361% | 3,039 |
| Efficiency ratio | 79.2056% | 1,037 |
| Assets per employee ($millions) | 2.4582% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 3,090 |
| Loan loss allowance to noncurrent loans | 30.9497% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 4.3313% | 99 |
| Noncurrent loans to loans | 3.5448% | 232 |
| Net loans and leases to total assets | 59.7550% | 3,760 |
| Net loans and leases to deposits | 73.9115% | 3,527 |
| Net loans and leases to core deposits | 96.7606% | 2,000 |
| Total domestic deposits to total assets | 80.8466% | 3,863 |
| Equity capital to assets | 10.5147% | 3,504 |
| Core capital (leverage) ratio | 10.2521% | 3,334 |
| Tier 1 risk-based capital ratio | 16.0819% | 2,371 |
| Total risk-based capital ratio | 17.1191% | 2,409 |
| Memoranda: | ||
| Average total assets | $41,332,000 | 4,984 |
| Average earning assets | $35,375,670 | 5,015 |
| Average equity | $4,291,330 | 5,071 |
| Average total loans | $25,029,000 | 4,855 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2633% | 143 |
| Cost of funding earning assets | 0.8458% | 2,293 |
| Net interest margin | 5.4175% | 146 |
| Noninterest income to average assets | 2.2480% | 207 |
| Noninterest expense to average assets | 4.9436% | 212 |
| Loan and lease loss provision to assets | 0.6325% | 160 |
| Net operating income to assets | 1.0121% | 2,799 |
| Return on assets (ROA) | 1.0121% | 2,844 |
| Pretax return on assets | 1.2846% | 2,515 |
| Return on Equity (ROE) | 9.8113% | 2,442 |
| Retained earnings to average equity (ytd only) | 9.8113% | 1,083 |
| Net charge-offs to loans | 0.0321% | 1,811 |
| Credit loss provision to net charge-offs | 3,250.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 98.5000% | 673 |
| Efficiency ratio | 72.0567% | 2,034 |
| Assets per employee ($millions) | 2.5117% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 914 |
| Loan loss allowance to noncurrent loans | 54.1502% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 4.0095% | 113 |
| Noncurrent loans to loans | 3.0883% | 342 |
| Net loans and leases to total assets | 56.5962% | 4,014 |
| Net loans and leases to deposits | 69.7210% | 3,780 |
| Net loans and leases to core deposits | 90.5568% | 2,438 |
| Total domestic deposits to total assets | 81.1752% | 3,936 |
| Equity capital to assets | 10.2906% | 3,531 |
| Core capital (leverage) ratio | 10.4573% | 3,095 |
| Tier 1 risk-based capital ratio | 16.6036% | 2,226 |
| Total risk-based capital ratio | 17.8582% | 2,183 |
| Memoranda: | ||
| Average total assets | $41,103,500 | 5,041 |
| Average earning assets | $34,997,500 | 5,077 |
| Average equity | $4,240,000 | 5,117 |
| Average total loans | $24,919,500 | 4,905 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2914% | 117 |
| Cost of funding earning assets | 0.8335% | 1,367 |
| Net interest margin | 5.4578% | 118 |
| Noninterest income to average assets | 1.5321% | 394 |
| Noninterest expense to average assets | 5.1388% | 187 |
| Loan and lease loss provision to assets | 0.2259% | 789 |
| Net operating income to assets | 0.7169% | 4,093 |
| Return on assets (ROA) | 0.7169% | 4,098 |
| Pretax return on assets | 0.7169% | 4,370 |
| Return on Equity (ROE) | 7.1692% | 3,769 |
| Retained earnings to average equity (ytd only) | 7.1692% | 1,593 |
| Net charge-offs to loans | 0.3709% | 513 |
| Credit loss provision to net charge-offs | 94.8454% | 2,640 |
| Earnings coverage of net charge-offs (x) | 3.9588% | 3,358 |
| Efficiency ratio | 84.4974% | 619 |
| Assets per employee ($millions) | 2.4748% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 1,723 |
| Loan loss allowance to noncurrent loans | 52.2523% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 5.1165% | 69 |
| Noncurrent loans to loans | 2.6364% | 440 |
| Net loans and leases to total assets | 62.9189% | 3,473 |
| Net loans and leases to deposits | 78.4051% | 3,120 |
| Net loans and leases to core deposits | 106.4792% | 1,234 |
| Total domestic deposits to total assets | 80.2485% | 4,055 |
| Equity capital to assets | 10.5437% | 3,138 |
| Core capital (leverage) ratio | 10.2469% | 3,307 |
| Tier 1 risk-based capital ratio | 14.7759% | 2,930 |
| Total risk-based capital ratio | 16.0229% | 2,862 |
| Memoranda: | ||
| Average total assets | $40,729,200 | 5,086 |
| Average earning assets | $33,951,200 | 5,136 |
| Average equity | $4,073,000 | 5,170 |
| Average total loans | $26,152,200 | 4,902 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5742% | 78 |
| Cost of funding earning assets | 0.8544% | 1,099 |
| Net interest margin | 5.7198% | 85 |
| Noninterest income to average assets | 2.9129% | 164 |
| Noninterest expense to average assets | 6.0046% | 133 |
| Loan and lease loss provision to assets | 0.2666% | 575 |
| Net operating income to assets | 1.4077% | 1,459 |
| Return on assets (ROA) | 1.4077% | 1,456 |
| Pretax return on assets | 1.4077% | 2,198 |
| Return on Equity (ROE) | 14.2636% | 1,047 |
| Retained earnings to average equity (ytd only) | 14.2636% | 226 |
| Net charge-offs to loans | 0.3134% | 533 |
| Credit loss provision to net charge-offs | 132.2581% | 1,868 |
| Earnings coverage of net charge-offs (x) | 8.3069% | 2,724 |
| Efficiency ratio | 78.1964% | 1,101 |
| Assets per employee ($millions) | 2.6457% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 1,467 |
| Loan loss allowance to noncurrent loans | 44.2467% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 5.5435% | 66 |
| Noncurrent loans to loans | 3.3150% | 304 |
| Net loans and leases to total assets | 63.1381% | 3,526 |
| Net loans and leases to deposits | 78.9943% | 3,140 |
| Net loans and leases to core deposits | 108.5094% | 1,131 |
| Total domestic deposits to total assets | 79.9274% | 4,141 |
| Equity capital to assets | 10.8527% | 2,794 |
| Core capital (leverage) ratio | 10.2786% | 3,325 |
| Tier 1 risk-based capital ratio | 15.1737% | 2,804 |
| Total risk-based capital ratio | 16.4235% | 2,725 |
| Memoranda: | ||
| Average total assets | $41,012,250 | 5,146 |
| Average earning assets | $34,173,000 | 5,192 |
| Average equity | $4,047,500 | 5,238 |
| Average total loans | $26,374,750 | 4,956 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9610% | 151 |
| Cost of funding earning assets | 0.8400% | 965 |
| Net interest margin | 5.1210% | 195 |
| Noninterest income to average assets | 2.8127% | 176 |
| Noninterest expense to average assets | 5.7992% | 148 |
| Loan and lease loss provision to assets | 0.2026% | 841 |
| Net operating income to assets | 1.0759% | 2,682 |
| Return on assets (ROA) | 1.0759% | 2,689 |
| Pretax return on assets | 1.0759% | 3,405 |
| Return on Equity (ROE) | 11.2598% | 2,013 |
| Retained earnings to average equity (ytd only) | 11.2598% | 624 |
| Net charge-offs to loans | 0.4346% | 354 |
| Credit loss provision to net charge-offs | 72.4138% | 2,327 |
| Earnings coverage of net charge-offs (x) | 4.5690% | 2,781 |
| Efficiency ratio | 81.9359% | 839 |
| Assets per employee ($millions) | 2.7459% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,158 |
| Loan loss allowance to noncurrent loans | 33.5657% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 5.9896% | 62 |
| Noncurrent loans to loans | 3.8781% | 235 |
| Net loans and leases to total assets | 62.0375% | 3,597 |
| Net loans and leases to deposits | 76.5167% | 3,286 |
| Net loans and leases to core deposits | 104.1833% | 1,380 |
| Total domestic deposits to total assets | 81.0770% | 3,972 |
| Equity capital to assets | 9.9592% | 3,666 |
| Core capital (leverage) ratio | 9.9810% | 3,600 |
| Tier 1 risk-based capital ratio | 14.9147% | 2,912 |
| Total risk-based capital ratio | 16.1401% | 2,848 |
| Memoranda: | ||
| Average total assets | $41,454,330 | 5,195 |
| Average earning assets | $34,524,670 | 5,245 |
| Average equity | $3,961,000 | 5,305 |
| Average total loans | $26,689,670 | 5,002 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7389% | 202 |
| Cost of funding earning assets | 0.7884% | 1,000 |
| Net interest margin | 4.9505% | 247 |
| Noninterest income to average assets | 1.8179% | 306 |
| Noninterest expense to average assets | 5.5882% | 166 |
| Loan and lease loss provision to assets | 0.2597% | 556 |
| Net operating income to assets | 0.0769% | 5,340 |
| Return on assets (ROA) | 0.0769% | 5,336 |
| Pretax return on assets | 0.0769% | 5,345 |
| Return on Equity (ROE) | 0.8225% | 5,321 |
| Retained earnings to average equity (ytd only) | 0.8225% | 4,662 |
| Net charge-offs to loans | 0.1034% | 1,166 |
| Credit loss provision to net charge-offs | 385.7143% | 705 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,264 |
| Efficiency ratio | 94.3182% | 291 |
| Assets per employee ($millions) | 2.7399% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 1,702 |
| Loan loss allowance to noncurrent loans | 30.7502% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 6.7011% | 52 |
| Noncurrent loans to loans | 4.6742% | 173 |
| Net loans and leases to total assets | 62.2366% | 3,521 |
| Net loans and leases to deposits | 76.1499% | 3,197 |
| Net loans and leases to core deposits | 102.6817% | 1,467 |
| Total domestic deposits to total assets | 81.7290% | 4,039 |
| Equity capital to assets | 9.4676% | 4,120 |
| Core capital (leverage) ratio | 9.3334% | 4,277 |
| Tier 1 risk-based capital ratio | 13.8425% | 3,475 |
| Total risk-based capital ratio | 15.0913% | 3,385 |
| Memoranda: | ||
| Average total assets | $41,587,500 | 5,256 |
| Average earning assets | $34,501,500 | 5,303 |
| Average equity | $3,890,500 | 5,374 |
| Average total loans | $27,090,000 | 5,040 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1055% | 116 |
| Cost of funding earning assets | 0.7402% | 848 |
| Net interest margin | 5.3652% | 129 |
| Noninterest income to average assets | 2.6226% | 208 |
| Noninterest expense to average assets | 5.9548% | 148 |
| Loan and lease loss provision to assets | 0.1216% | 1,879 |
| Net operating income to assets | 0.9379% | 2,504 |
| Return on assets (ROA) | 0.9379% | 2,548 |
| Pretax return on assets | 0.8982% | 3,935 |
| Return on Equity (ROE) | 10.1460% | 1,825 |
| Retained earnings to average equity (ytd only) | 10.1460% | 334 |
| Net charge-offs to loans | 0.2949% | 884 |
| Credit loss provision to net charge-offs | 62.8205% | 3,188 |
| Earnings coverage of net charge-offs (x) | 5.2692% | 3,356 |
| Efficiency ratio | 85.3789% | 682 |
| Assets per employee ($millions) | 2.8051% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,466 |
| Loan loss allowance to noncurrent loans | 34.0077% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 7.1536% | 43 |
| Noncurrent loans to loans | 3.6771% | 268 |
| Net loans and leases to total assets | 66.2500% | 3,066 |
| Net loans and leases to deposits | 80.6294% | 2,852 |
| Net loans and leases to core deposits | 107.6834% | 1,159 |
| Total domestic deposits to total assets | 82.1660% | 3,826 |
| Equity capital to assets | 9.2450% | 4,482 |
| Core capital (leverage) ratio | 9.4241% | 4,131 |
| Tier 1 risk-based capital ratio | 12.6168% | 4,135 |
| Total risk-based capital ratio | 13.7617% | 4,099 |
| Memoranda: | ||
| Average total assets | $40,303,800 | 5,323 |
| Average earning assets | $32,692,000 | 5,392 |
| Average equity | $3,725,600 | 5,455 |
| Average total loans | $26,450,200 | 5,115 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3149% | 90 |
| Cost of funding earning assets | 0.7168% | 896 |
| Net interest margin | 5.5980% | 90 |
| Noninterest income to average assets | 2.2679% | 251 |
| Noninterest expense to average assets | 5.7131% | 169 |
| Loan and lease loss provision to assets | 0.0301% | 3,516 |
| Net operating income to assets | 1.0436% | 2,359 |
| Return on assets (ROA) | 1.0436% | 2,395 |
| Pretax return on assets | 1.0436% | 3,511 |
| Return on Equity (ROE) | 11.2903% | 1,574 |
| Retained earnings to average equity (ytd only) | 11.2903% | 369 |
| Net charge-offs to loans | 0.1231% | 1,558 |
| Credit loss provision to net charge-offs | 37.5000% | 3,016 |
| Earnings coverage of net charge-offs (x) | 13.3747% | 2,352 |
| Efficiency ratio | 84.1794% | 739 |
| Assets per employee ($millions) | 2.6847% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 1,680 |
| Loan loss allowance to noncurrent loans | 33.4854% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 7.8468% | 38 |
| Noncurrent loans to loans | 4.3527% | 211 |
| Net loans and leases to total assets | 61.6151% | 3,700 |
| Net loans and leases to deposits | 75.6010% | 3,410 |
| Net loans and leases to core deposits | 99.7067% | 1,728 |
| Total domestic deposits to total assets | 81.5003% | 3,919 |
| Equity capital to assets | 9.5056% | 4,440 |
| Core capital (leverage) ratio | 9.5141% | 4,147 |
| Tier 1 risk-based capital ratio | 13.4907% | 3,711 |
| Total risk-based capital ratio | 14.7454% | 3,617 |
| Memoranda: | ||
| Average total assets | $39,860,500 | 5,388 |
| Average earning assets | $32,177,250 | 5,459 |
| Average equity | $3,684,500 | 5,522 |
| Average total loans | $26,005,500 | 5,179 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3184% | 50 |
| Cost of funding earning assets | 0.6851% | 963 |
| Net interest margin | 6.6333% | 48 |
| Noninterest income to average assets | 1.1026% | 824 |
| Noninterest expense to average assets | 5.6188% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8458% | 3,177 |
| Return on assets (ROA) | 0.8307% | 3,299 |
| Pretax return on assets | 0.8307% | 4,158 |
| Return on Equity (ROE) | 9.0742% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.0742% | 816 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9159% | 614 |
| Assets per employee ($millions) | 2.3646% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 2,217 |
| Loan loss allowance to noncurrent loans | 35.3565% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 7.8460% | 46 |
| Noncurrent loans to loans | 3.7957% | 271 |
| Net loans and leases to total assets | 67.1161% | 2,933 |
| Net loans and leases to deposits | 81.9363% | 2,709 |
| Net loans and leases to core deposits | 104.7604% | 1,308 |
| Total domestic deposits to total assets | 81.9125% | 3,909 |
| Equity capital to assets | 9.1470% | 4,760 |
| Core capital (leverage) ratio | 9.3472% | 4,301 |
| Tier 1 risk-based capital ratio | 12.1534% | 4,523 |
| Total risk-based capital ratio | 13.3664% | 4,438 |
| Memoranda: | ||
| Average total assets | $39,723,670 | 5,436 |
| Average earning assets | $32,110,670 | 5,505 |
| Average equity | $3,636,670 | 5,570 |
| Average total loans | $26,280,670 | 5,213 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6877% | 70 |
| Cost of funding earning assets | 0.6148% | 1,269 |
| Net interest margin | 6.0729% | 73 |
| Noninterest income to average assets | 1.0839% | 849 |
| Noninterest expense to average assets | 5.4703% | 192 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5166% | 4,529 |
| Return on assets (ROA) | 0.5166% | 4,560 |
| Pretax return on assets | 0.5166% | 4,933 |
| Return on Equity (ROE) | 5.6408% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.6408% | 2,523 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3706% | 484 |
| Assets per employee ($millions) | 2.2190% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 1,936 |
| Loan loss allowance to noncurrent loans | 38.3534% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 7.7913% | 52 |
| Noncurrent loans to loans | 3.7350% | 306 |
| Net loans and leases to total assets | 65.8079% | 3,002 |
| Net loans and leases to deposits | 77.9762% | 2,968 |
| Net loans and leases to core deposits | 99.0578% | 1,578 |
| Total domestic deposits to total assets | 84.3949% | 3,334 |
| Equity capital to assets | 9.1207% | 4,690 |
| Core capital (leverage) ratio | 9.2153% | 4,461 |
| Tier 1 risk-based capital ratio | 12.3278% | 4,494 |
| Total risk-based capital ratio | 13.5731% | 4,401 |
| Memoranda: | ||
| Average total assets | $39,486,000 | 5,506 |
| Average earning assets | $31,879,500 | 5,578 |
| Average equity | $3,616,500 | 5,633 |
| Average total loans | $25,747,500 | 5,280 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0434% | 118 |
| Cost of funding earning assets | 0.6345% | 1,140 |
| Net interest margin | 5.4089% | 125 |
| Noninterest income to average assets | 0.4526% | 3,525 |
| Noninterest expense to average assets | 5.7621% | 181 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.6988% | 5,814 |
| Return on assets (ROA) | -0.6988% | 5,816 |
| Pretax return on assets | -0.9425% | 5,829 |
| Return on Equity (ROE) | -7.5262% | 5,816 |
| Retained earnings to average equity (ytd only) | -7.5262% | 5,744 |
| Net charge-offs to loans | 0.1618% | 1,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -9.7179% | 4,238 |
| Efficiency ratio | 119.5562% | 86 |
| Assets per employee ($millions) | 2.4394% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 1,539 |
| Loan loss allowance to noncurrent loans | 34.1682% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 8.2859% | 48 |
| Noncurrent loans to loans | 4.5030% | 205 |
| Net loans and leases to total assets | 62.6339% | 3,522 |
| Net loans and leases to deposits | 74.5055% | 3,467 |
| Net loans and leases to core deposits | 114.6408% | 672 |
| Total domestic deposits to total assets | 84.0661% | 3,401 |
| Equity capital to assets | 9.1981% | 4,584 |
| Core capital (leverage) ratio | 9.1425% | 4,558 |
| Tier 1 risk-based capital ratio | 12.8531% | 4,164 |
| Total risk-based capital ratio | 14.1026% | 4,059 |
| Memoranda: | ||
| Average total assets | $40,210,800 | 5,540 |
| Average earning assets | $32,465,000 | 5,619 |
| Average equity | $3,733,600 | 5,671 |
| Average total loans | $24,101,400 | 5,386 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7002% | 190 |
| Cost of funding earning assets | 0.6193% | 1,210 |
| Net interest margin | 5.0808% | 218 |
| Noninterest income to average assets | 0.3753% | 4,098 |
| Noninterest expense to average assets | 5.4838% | 210 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.7439% | 5,884 |
| Return on assets (ROA) | -0.7439% | 5,890 |
| Pretax return on assets | -1.0040% | 5,901 |
| Return on Equity (ROE) | -7.9939% | 5,894 |
| Retained earnings to average equity (ytd only) | -7.9939% | 5,819 |
| Net charge-offs to loans | -0.0056% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.4100% | 79 |
| Assets per employee ($millions) | 2.4837% | 5,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7394% | 1,129 |
| Loan loss allowance to noncurrent loans | 37.0175% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 7.6902% | 64 |
| Noncurrent loans to loans | 4.6989% | 194 |
| Net loans and leases to total assets | 59.9889% | 3,880 |
| Net loans and leases to deposits | 71.1867% | 3,867 |
| Net loans and leases to core deposits | 108.3394% | 1,024 |
| Total domestic deposits to total assets | 84.2699% | 3,113 |
| Equity capital to assets | 9.1874% | 4,989 |
| Core capital (leverage) ratio | 9.2244% | 4,555 |
| Tier 1 risk-based capital ratio | 13.4193% | 3,906 |
| Total risk-based capital ratio | 14.6727% | 3,815 |
| Memoranda: | ||
| Average total assets | $40,506,000 | 5,589 |
| Average earning assets | $32,723,500 | 5,673 |
| Average equity | $3,769,500 | 5,732 |
| Average total loans | $23,919,750 | 5,451 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6627% | 200 |
| Cost of funding earning assets | 0.5839% | 1,438 |
| Net interest margin | 5.0788% | 226 |
| Noninterest income to average assets | 0.5348% | 2,983 |
| Noninterest expense to average assets | 5.4316% | 217 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.5937% | 5,936 |
| Return on assets (ROA) | -0.5937% | 5,939 |
| Pretax return on assets | -0.7998% | 5,958 |
| Return on Equity (ROE) | -6.3534% | 5,949 |
| Retained earnings to average equity (ytd only) | -6.3534% | 5,801 |
| Net charge-offs to loans | -0.0084% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.2669% | 101 |
| Assets per employee ($millions) | 2.4881% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 1,091 |
| Loan loss allowance to noncurrent loans | 36.6957% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 8.5280% | 59 |
| Noncurrent loans to loans | 4.8818% | 184 |
| Net loans and leases to total assets | 58.1135% | 4,102 |
| Net loans and leases to deposits | 69.1505% | 4,069 |
| Net loans and leases to core deposits | 104.1039% | 1,312 |
| Total domestic deposits to total assets | 84.0392% | 3,250 |
| Equity capital to assets | 9.4323% | 4,838 |
| Core capital (leverage) ratio | 9.4000% | 4,338 |
| Tier 1 risk-based capital ratio | 13.9090% | 3,654 |
| Total risk-based capital ratio | 15.1609% | 3,573 |
| Memoranda: | ||
| Average total assets | $40,761,670 | 5,644 |
| Average earning assets | $32,881,670 | 5,736 |
| Average equity | $3,809,000 | 5,791 |
| Average total loans | $23,806,000 | 5,509 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7809% | 166 |
| Cost of funding earning assets | 0.5517% | 1,692 |
| Net interest margin | 5.2292% | 169 |
| Noninterest income to average assets | 0.3395% | 4,302 |
| Noninterest expense to average assets | 5.1701% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.6014% | 5,985 |
| Return on assets (ROA) | -0.6014% | 5,991 |
| Pretax return on assets | -0.6014% | 5,983 |
| Return on Equity (ROE) | -6.4651% | 5,996 |
| Retained earnings to average equity (ytd only) | -6.4651% | 5,695 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1635% | 138 |
| Assets per employee ($millions) | 2.5230% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7517% | 1,247 |
| Loan loss allowance to noncurrent loans | 40.9533% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 8.4795% | 65 |
| Noncurrent loans to loans | 4.2773% | 266 |
| Net loans and leases to total assets | 58.4944% | 3,986 |
| Net loans and leases to deposits | 69.5379% | 3,896 |
| Net loans and leases to core deposits | 102.5493% | 1,293 |
| Total domestic deposits to total assets | 84.1186% | 3,472 |
| Equity capital to assets | 9.4406% | 4,727 |
| Core capital (leverage) ratio | 9.2786% | 4,515 |
| Tier 1 risk-based capital ratio | 13.9434% | 3,727 |
| Total risk-based capital ratio | 15.1946% | 3,653 |
| Memoranda: | ||
| Average total assets | $41,237,500 | 5,688 |
| Average earning assets | $33,351,000 | 5,779 |
| Average equity | $3,836,000 | 5,838 |
| Average total loans | $23,930,500 | 5,554 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4939% | 264 |
| Cost of funding earning assets | 0.7157% | 759 |
| Net interest margin | 4.7782% | 394 |
| Noninterest income to average assets | 2.3828% | 282 |
| Noninterest expense to average assets | 5.6064% | 203 |
| Loan and lease loss provision to assets | 0.2891% | 605 |
| Net operating income to assets | 0.4529% | 4,874 |
| Return on assets (ROA) | 0.4529% | 4,956 |
| Pretax return on assets | 0.3638% | 5,395 |
| Return on Equity (ROE) | 4.5160% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.5160% | 2,770 |
| Net charge-offs to loans | 0.5588% | 437 |
| Credit loss provision to net charge-offs | 88.2353% | 2,789 |
| Earnings coverage of net charge-offs (x) | 1.9926% | 3,994 |
| Efficiency ratio | 89.5689% | 716 |
| Assets per employee ($millions) | 2.8116% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 2,787 |
| Loan loss allowance to noncurrent loans | 32.6087% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 7.8769% | 81 |
| Noncurrent loans to loans | 4.0542% | 299 |
| Net loans and leases to total assets | 55.7500% | 4,315 |
| Net loans and leases to deposits | 66.0598% | 4,313 |
| Net loans and leases to core deposits | 96.3251% | 1,812 |
| Total domestic deposits to total assets | 84.3932% | 3,333 |
| Equity capital to assets | 9.3138% | 4,773 |
| Core capital (leverage) ratio | 9.4068% | 4,310 |
| Tier 1 risk-based capital ratio | 14.1652% | 3,626 |
| Total risk-based capital ratio | 15.3011% | 3,608 |
| Memoranda: | ||
| Average total assets | $41,506,400 | 5,732 |
| Average earning assets | $33,673,600 | 5,823 |
| Average equity | $4,163,000 | 5,827 |
| Average total loans | $24,338,800 | 5,577 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7423% | 185 |
| Cost of funding earning assets | 0.7272% | 721 |
| Net interest margin | 5.0151% | 244 |
| Noninterest income to average assets | 1.5804% | 505 |
| Noninterest expense to average assets | 5.3797% | 223 |
| Loan and lease loss provision to assets | 0.1774% | 1,185 |
| Net operating income to assets | 0.0935% | 5,855 |
| Return on assets (ROA) | 0.0935% | 5,893 |
| Pretax return on assets | 0.0935% | 5,893 |
| Return on Equity (ROE) | 0.9160% | 5,870 |
| Retained earnings to average equity (ytd only) | 0.9160% | 5,344 |
| Net charge-offs to loans | 0.5286% | 443 |
| Credit loss provision to net charge-offs | 56.7010% | 2,952 |
| Earnings coverage of net charge-offs (x) | 0.8660% | 3,903 |
| Efficiency ratio | 95.2055% | 445 |
| Assets per employee ($millions) | 2.8264% | 5,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 3,822 |
| Loan loss allowance to noncurrent loans | 19.9586% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 8.1163% | 79 |
| Noncurrent loans to loans | 5.8559% | 144 |
| Net loans and leases to total assets | 57.6422% | 4,184 |
| Net loans and leases to deposits | 68.8104% | 4,113 |
| Net loans and leases to core deposits | 101.4446% | 1,416 |
| Total domestic deposits to total assets | 83.7697% | 3,517 |
| Equity capital to assets | 10.1401% | 4,010 |
| Core capital (leverage) ratio | 10.8018% | 2,713 |
| Tier 1 risk-based capital ratio | 15.5151% | 3,039 |
| Total risk-based capital ratio | 16.5578% | 3,066 |
| Memoranda: | ||
| Average total assets | $41,339,500 | 5,810 |
| Average earning assets | $33,551,250 | 5,899 |
| Average equity | $4,221,750 | 5,894 |
| Average total loans | $24,466,750 | 5,642 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7746% | 169 |
| Cost of funding earning assets | 0.8499% | 381 |
| Net interest margin | 4.9247% | 288 |
| Noninterest income to average assets | 1.7810% | 435 |
| Noninterest expense to average assets | 5.4261% | 231 |
| Loan and lease loss provision to assets | 0.1464% | 1,468 |
| Net operating income to assets | 0.1952% | 5,703 |
| Return on assets (ROA) | 0.1952% | 5,769 |
| Pretax return on assets | 0.1952% | 5,822 |
| Return on Equity (ROE) | 1.9066% | 5,700 |
| Retained earnings to average equity (ytd only) | 1.9066% | 4,743 |
| Net charge-offs to loans | 0.7875% | 280 |
| Credit loss provision to net charge-offs | 31.2500% | 2,913 |
| Earnings coverage of net charge-offs (x) | 0.7292% | 3,630 |
| Efficiency ratio | 94.0778% | 514 |
| Assets per employee ($millions) | 2.5049% | 6,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 4,352 |
| Loan loss allowance to noncurrent loans | 17.1743% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 8.8251% | 76 |
| Noncurrent loans to loans | 6.3739% | 142 |
| Net loans and leases to total assets | 59.7395% | 3,874 |
| Net loans and leases to deposits | 72.1066% | 3,711 |
| Net loans and leases to core deposits | 86.5212% | 2,710 |
| Total domestic deposits to total assets | 82.8489% | 4,007 |
| Equity capital to assets | 10.7413% | 3,177 |
| Core capital (leverage) ratio | 10.5552% | 2,889 |
| Tier 1 risk-based capital ratio | 15.9692% | 2,875 |
| Total risk-based capital ratio | 16.9506% | 2,952 |
| Memoranda: | ||
| Average total assets | $40,987,330 | 5,885 |
| Average earning assets | $33,179,670 | 5,974 |
| Average equity | $4,196,000 | 5,961 |
| Average total loans | $24,380,000 | 5,694 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8184% | 165 |
| Cost of funding earning assets | 0.7837% | 556 |
| Net interest margin | 5.0347% | 239 |
| Noninterest income to average assets | 1.9401% | 373 |
| Noninterest expense to average assets | 5.3087% | 245 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7239% | 3,671 |
| Return on assets (ROA) | 0.7239% | 3,808 |
| Pretax return on assets | 0.7239% | 4,525 |
| Return on Equity (ROE) | 7.2438% | 3,370 |
| Retained earnings to average equity (ytd only) | 7.2438% | 1,890 |
| Net charge-offs to loans | -0.0163% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0000% | 1,015 |
| Assets per employee ($millions) | 2.6025% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 3,059 |
| Loan loss allowance to noncurrent loans | 27.9461% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 7.7209% | 107 |
| Noncurrent loans to loans | 4.9048% | 282 |
| Net loans and leases to total assets | 57.3703% | 4,041 |
| Net loans and leases to deposits | 70.8957% | 3,656 |
| Net loans and leases to core deposits | 92.1217% | 1,936 |
| Total domestic deposits to total assets | 80.9222% | 4,843 |
| Equity capital to assets | 10.4227% | 3,618 |
| Core capital (leverage) ratio | 10.5725% | 2,879 |
| Tier 1 risk-based capital ratio | 15.7436% | 3,039 |
| Total risk-based capital ratio | 16.9485% | 3,000 |
| Memoranda: | ||
| Average total assets | $41,441,500 | 5,931 |
| Average earning assets | $33,686,000 | 6,020 |
| Average equity | $4,141,500 | 6,022 |
| Average total loans | $24,466,000 | 5,734 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4568% | 92 |
| Cost of funding earning assets | 0.7778% | 728 |
| Net interest margin | 5.6791% | 102 |
| Noninterest income to average assets | 1.1483% | 915 |
| Noninterest expense to average assets | 5.5247% | 226 |
| Loan and lease loss provision to assets | 0.0602% | 3,323 |
| Net operating income to assets | 0.1541% | 5,866 |
| Return on assets (ROA) | 0.1541% | 5,913 |
| Pretax return on assets | 0.1685% | 5,916 |
| Return on Equity (ROE) | 1.5795% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.5795% | 5,041 |
| Net charge-offs to loans | 0.2834% | 1,532 |
| Credit loss provision to net charge-offs | 35.2113% | 3,764 |
| Earnings coverage of net charge-offs (x) | 1.3380% | 4,443 |
| Efficiency ratio | 96.0251% | 505 |
| Assets per employee ($millions) | 2.5980% | 6,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7456% | 5,889 |
| Loan loss allowance to noncurrent loans | 16.5333% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 7.0439% | 146 |
| Noncurrent loans to loans | 4.5099% | 370 |
| Net loans and leases to total assets | 59.5626% | 3,844 |
| Net loans and leases to deposits | 73.5627% | 3,489 |
| Net loans and leases to core deposits | 88.0320% | 2,495 |
| Total domestic deposits to total assets | 80.9685% | 4,758 |
| Equity capital to assets | 10.2964% | 3,725 |
| Core capital (leverage) ratio | 10.6756% | 2,742 |
| Tier 1 risk-based capital ratio | 15.8228% | 3,046 |
| Total risk-based capital ratio | 16.5067% | 3,289 |
| Memoranda: | ||
| Average total assets | $41,540,400 | 5,999 |
| Average earning assets | $33,685,200 | 6,102 |
| Average equity | $4,051,800 | 6,081 |
| Average total loans | $25,056,000 | 5,778 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5972% | 84 |
| Cost of funding earning assets | 0.7820% | 757 |
| Net interest margin | 5.8152% | 93 |
| Noninterest income to average assets | 1.0112% | 1,199 |
| Noninterest expense to average assets | 5.3546% | 248 |
| Loan and lease loss provision to assets | 0.0802% | 2,744 |
| Net operating income to assets | 0.2793% | 5,653 |
| Return on assets (ROA) | 0.2793% | 5,717 |
| Pretax return on assets | 0.2793% | 5,807 |
| Return on Equity (ROE) | 2.9038% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.9038% | 4,533 |
| Net charge-offs to loans | 0.1595% | 2,207 |
| Credit loss provision to net charge-offs | 83.3333% | 2,531 |
| Earnings coverage of net charge-offs (x) | 3.7333% | 3,605 |
| Efficiency ratio | 93.7079% | 612 |
| Assets per employee ($millions) | 2.7039% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 5,612 |
| Loan loss allowance to noncurrent loans | 22.2767% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 6.6778% | 188 |
| Noncurrent loans to loans | 4.0208% | 524 |
| Net loans and leases to total assets | 58.0542% | 4,060 |
| Net loans and leases to deposits | 71.0234% | 3,792 |
| Net loans and leases to core deposits | 91.0066% | 2,117 |
| Total domestic deposits to total assets | 81.7396% | 4,566 |
| Equity capital to assets | 9.9438% | 4,234 |
| Core capital (leverage) ratio | 10.3556% | 3,206 |
| Tier 1 risk-based capital ratio | 15.3871% | 3,383 |
| Total risk-based capital ratio | 16.1947% | 3,548 |
| Memoranda: | ||
| Average total assets | $41,533,500 | 6,068 |
| Average earning assets | $33,589,000 | 6,173 |
| Average equity | $3,994,750 | 6,161 |
| Average total loans | $25,083,750 | 5,839 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7608% | 77 |
| Cost of funding earning assets | 0.7815% | 784 |
| Net interest margin | 5.9793% | 80 |
| Noninterest income to average assets | 1.0010% | 1,195 |
| Noninterest expense to average assets | 5.3129% | 257 |
| Loan and lease loss provision to assets | 0.1221% | 2,011 |
| Net operating income to assets | 0.3858% | 5,278 |
| Return on assets (ROA) | 0.3858% | 5,348 |
| Pretax return on assets | 0.3858% | 5,601 |
| Return on Equity (ROE) | 4.0593% | 5,116 |
| Retained earnings to average equity (ytd only) | 4.0593% | 3,590 |
| Net charge-offs to loans | 0.2800% | 1,420 |
| Credit loss provision to net charge-offs | 71.4286% | 2,447 |
| Earnings coverage of net charge-offs (x) | 2.9714% | 3,421 |
| Efficiency ratio | 91.2752% | 819 |
| Assets per employee ($millions) | 2.5744% | 6,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 5,783 |
| Loan loss allowance to noncurrent loans | 23.5169% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 6.8316% | 196 |
| Noncurrent loans to loans | 3.7374% | 670 |
| Net loans and leases to total assets | 60.7803% | 3,597 |
| Net loans and leases to deposits | 75.1448% | 3,171 |
| Net loans and leases to core deposits | 98.5514% | 1,405 |
| Total domestic deposits to total assets | 80.8842% | 5,021 |
| Equity capital to assets | 10.4392% | 3,516 |
| Core capital (leverage) ratio | 10.4489% | 3,012 |
| Tier 1 risk-based capital ratio | 15.3235% | 3,458 |
| Total risk-based capital ratio | 16.1113% | 3,655 |
| Memoranda: | ||
| Average total assets | $40,957,000 | 6,144 |
| Average earning assets | $33,014,000 | 6,248 |
| Average equity | $3,892,330 | 6,223 |
| Average total loans | $24,997,330 | 5,884 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8913% | 76 |
| Cost of funding earning assets | 0.8172% | 680 |
| Net interest margin | 6.0741% | 80 |
| Noninterest income to average assets | 0.9696% | 1,203 |
| Noninterest expense to average assets | 5.1714% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6758% | 3,812 |
| Return on assets (ROA) | 0.6758% | 3,896 |
| Pretax return on assets | 0.6758% | 4,570 |
| Return on Equity (ROE) | 7.4827% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.4827% | 1,827 |
| Net charge-offs to loans | 0.0643% | 2,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 17.2500% | 1,465 |
| Efficiency ratio | 88.4422% | 1,183 |
| Assets per employee ($millions) | 2.5864% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9242% | 5,787 |
| Loan loss allowance to noncurrent loans | 20.7840% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 7.1698% | 210 |
| Noncurrent loans to loans | 4.4465% | 549 |
| Net loans and leases to total assets | 59.0667% | 3,691 |
| Net loans and leases to deposits | 71.7393% | 3,372 |
| Net loans and leases to core deposits | 94.2326% | 1,531 |
| Total domestic deposits to total assets | 82.3353% | 4,839 |
| Equity capital to assets | 9.0015% | 5,114 |
| Core capital (leverage) ratio | 9.2688% | 4,618 |
| Tier 1 risk-based capital ratio | 13.6430% | 4,583 |
| Total risk-based capital ratio | 14.4709% | 4,817 |
| Memoranda: | ||
| Average total assets | $40,840,000 | 6,208 |
| Average earning assets | $32,795,000 | 6,321 |
| Average equity | $3,688,500 | 6,311 |
| Average total loans | $24,867,000 | 5,943 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1663% | 131 |
| Cost of funding earning assets | 0.8767% | 835 |
| Net interest margin | 5.2897% | 190 |
| Noninterest income to average assets | 1.7920% | 466 |
| Noninterest expense to average assets | 5.6388% | 233 |
| Loan and lease loss provision to assets | 0.6212% | 391 |
| Net operating income to assets | -0.1410% | 6,334 |
| Return on assets (ROA) | -0.1410% | 6,349 |
| Pretax return on assets | -0.2007% | 6,352 |
| Return on Equity (ROE) | -1.5882% | 6,358 |
| Retained earnings to average equity (ytd only) | -1.5882% | 6,133 |
| Net charge-offs to loans | 1.2117% | 436 |
| Credit loss provision to net charge-offs | 84.4156% | 2,915 |
| Earnings coverage of net charge-offs (x) | 0.5714% | 4,893 |
| Efficiency ratio | 93.0599% | 801 |
| Assets per employee ($millions) | 2.5186% | 6,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 5,838 |
| Loan loss allowance to noncurrent loans | 15.5392% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 8.8143% | 159 |
| Noncurrent loans to loans | 5.9570% | 350 |
| Net loans and leases to total assets | 61.6184% | 3,421 |
| Net loans and leases to deposits | 75.2728% | 3,061 |
| Net loans and leases to core deposits | 100.2099% | 1,143 |
| Total domestic deposits to total assets | 81.8601% | 4,922 |
| Equity capital to assets | 9.0625% | 4,955 |
| Core capital (leverage) ratio | 9.0617% | 4,913 |
| Tier 1 risk-based capital ratio | 13.1984% | 4,853 |
| Total risk-based capital ratio | 14.0282% | 5,075 |
| Memoranda: | ||
| Average total assets | $41,852,600 | 6,233 |
| Average earning assets | $33,764,000 | 6,353 |
| Average equity | $3,715,000 | 6,388 |
| Average total loans | $25,419,000 | 5,961 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0569% | 160 |
| Cost of funding earning assets | 0.8875% | 869 |
| Net interest margin | 5.1694% | 227 |
| Noninterest income to average assets | 0.9659% | 1,558 |
| Noninterest expense to average assets | 4.9208% | 358 |
| Loan and lease loss provision to assets | 0.2052% | 1,768 |
| Net operating income to assets | 0.0316% | 6,254 |
| Return on assets (ROA) | 0.0316% | 6,308 |
| Pretax return on assets | 0.0316% | 6,286 |
| Return on Equity (ROE) | 0.3573% | 6,293 |
| Retained earnings to average equity (ytd only) | 0.3573% | 5,822 |
| Net charge-offs to loans | -0.0366% | 6,215 |
| Credit loss provision to net charge-offs | -928.5714% | 6,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4100% | 653 |
| Assets per employee ($millions) | 2.3994% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 3,931 |
| Loan loss allowance to noncurrent loans | 20.7792% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 8.9556% | 180 |
| Noncurrent loans to loans | 6.6970% | 326 |
| Net loans and leases to total assets | 61.1498% | 3,499 |
| Net loans and leases to deposits | 74.5012% | 3,155 |
| Net loans and leases to core deposits | 99.6922% | 1,143 |
| Total domestic deposits to total assets | 82.0789% | 4,901 |
| Equity capital to assets | 9.1125% | 5,039 |
| Core capital (leverage) ratio | 8.9551% | 5,192 |
| Tier 1 risk-based capital ratio | 13.3206% | 4,892 |
| Total risk-based capital ratio | 14.5683% | 4,831 |
| Memoranda: | ||
| Average total assets | $42,241,250 | 6,291 |
| Average earning assets | $34,252,250 | 6,412 |
| Average equity | $3,730,750 | 6,460 |
| Average total loans | $25,508,000 | 6,012 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9831% | 188 |
| Cost of funding earning assets | 0.8957% | 914 |
| Net interest margin | 5.0874% | 265 |
| Noninterest income to average assets | 0.8988% | 1,814 |
| Noninterest expense to average assets | 4.6577% | 466 |
| Loan and lease loss provision to assets | 0.3043% | 1,180 |
| Net operating income to assets | 0.0843% | 6,168 |
| Return on assets (ROA) | 0.0843% | 6,250 |
| Pretax return on assets | 0.0843% | 6,254 |
| Return on Equity (ROE) | 0.9638% | 6,220 |
| Retained earnings to average equity (ytd only) | 0.9638% | 5,519 |
| Net charge-offs to loans | -0.0391% | 6,177 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3006% | 877 |
| Assets per employee ($millions) | 2.3826% | 6,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 4,175 |
| Loan loss allowance to noncurrent loans | 26.1780% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 7.5547% | 296 |
| Noncurrent loans to loans | 5.2300% | 600 |
| Net loans and leases to total assets | 58.7917% | 3,857 |
| Net loans and leases to deposits | 70.8776% | 3,604 |
| Net loans and leases to core deposits | 94.7289% | 1,458 |
| Total domestic deposits to total assets | 82.9482% | 4,716 |
| Equity capital to assets | 8.6530% | 5,608 |
| Core capital (leverage) ratio | 8.8618% | 5,208 |
| Tier 1 risk-based capital ratio | 13.3093% | 4,911 |
| Total risk-based capital ratio | 14.5462% | 4,864 |
| Memoranda: | ||
| Average total assets | $42,725,000 | 6,323 |
| Average earning assets | $34,831,330 | 6,437 |
| Average equity | $3,735,330 | 6,509 |
| Average total loans | $25,579,000 | 6,038 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9571% | 183 |
| Cost of funding earning assets | 0.9005% | 981 |
| Net interest margin | 5.0566% | 266 |
| Noninterest income to average assets | 0.6941% | 2,621 |
| Noninterest expense to average assets | 4.7181% | 448 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0844% | 6,179 |
| Return on assets (ROA) | 0.0844% | 6,267 |
| Pretax return on assets | 0.0844% | 6,282 |
| Return on Equity (ROE) | 0.9606% | 6,229 |
| Retained earnings to average equity (ytd only) | 0.9606% | 5,460 |
| Net charge-offs to loans | -0.0625% | 6,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2422% | 626 |
| Assets per employee ($millions) | 2.6639% | 6,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 5,564 |
| Loan loss allowance to noncurrent loans | 15.4432% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 8.7795% | 268 |
| Noncurrent loans to loans | 7.1906% | 397 |
| Net loans and leases to total assets | 59.3379% | 3,548 |
| Net loans and leases to deposits | 71.7557% | 3,212 |
| Net loans and leases to core deposits | 96.5748% | 1,171 |
| Total domestic deposits to total assets | 82.6944% | 4,955 |
| Equity capital to assets | 8.8030% | 5,709 |
| Core capital (leverage) ratio | 8.7914% | 5,200 |
| Tier 1 risk-based capital ratio | 13.3232% | 4,991 |
| Total risk-based capital ratio | 14.3303% | 5,113 |
| Memoranda: | ||
| Average total assets | $42,644,000 | 6,381 |
| Average earning assets | $34,647,500 | 6,505 |
| Average equity | $3,747,500 | 6,574 |
| Average total loans | $25,586,500 | 6,091 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6009% | 118 |
| Cost of funding earning assets | 1.1916% | 605 |
| Net interest margin | 5.4093% | 196 |
| Noninterest income to average assets | 1.8474% | 491 |
| Noninterest expense to average assets | 5.7157% | 251 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2446% | 5,647 |
| Return on assets (ROA) | 0.2446% | 5,848 |
| Pretax return on assets | 0.4868% | 5,319 |
| Return on Equity (ROE) | 2.7869% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.7869% | 4,284 |
| Net charge-offs to loans | -0.3584% | 6,991 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1516% | 906 |
| Assets per employee ($millions) | 2.6666% | 6,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 5,594 |
| Loan loss allowance to noncurrent loans | 35.1828% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 6.6821% | 483 |
| Noncurrent loans to loans | 3.0979% | 1,674 |
| Net loans and leases to total assets | 59.3423% | 3,714 |
| Net loans and leases to deposits | 71.8371% | 3,438 |
| Net loans and leases to core deposits | 96.6817% | 1,249 |
| Total domestic deposits to total assets | 82.6068% | 4,883 |
| Equity capital to assets | 8.7728% | 5,768 |
| Core capital (leverage) ratio | 8.9566% | 4,966 |
| Tier 1 risk-based capital ratio | 13.1115% | 5,028 |
| Total risk-based capital ratio | 14.0878% | 5,162 |
| Memoranda: | ||
| Average total assets | $42,112,400 | 6,426 |
| Average earning assets | $33,904,400 | 6,557 |
| Average equity | $3,695,800 | 6,636 |
| Average total loans | $25,945,800 | 6,141 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6210% | 121 |
| Cost of funding earning assets | 1.2602% | 533 |
| Net interest margin | 5.3608% | 217 |
| Noninterest income to average assets | 0.9625% | 1,630 |
| Noninterest expense to average assets | 5.0411% | 355 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2287% | 5,842 |
| Return on assets (ROA) | 0.2287% | 6,025 |
| Pretax return on assets | 0.2319% | 6,080 |
| Return on Equity (ROE) | 2.6059% | 5,846 |
| Retained earnings to average equity (ytd only) | 2.6059% | 5,005 |
| Net charge-offs to loans | -0.2100% | 6,999 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6024% | 695 |
| Assets per employee ($millions) | 2.5983% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 6,440 |
| Loan loss allowance to noncurrent loans | 26.8235% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 7.2475% | 482 |
| Noncurrent loans to loans | 3.2689% | 1,683 |
| Net loans and leases to total assets | 61.9994% | 3,376 |
| Net loans and leases to deposits | 75.1874% | 3,113 |
| Net loans and leases to core deposits | 101.1776% | 1,039 |
| Total domestic deposits to total assets | 82.4598% | 4,851 |
| Equity capital to assets | 8.9529% | 5,867 |
| Core capital (leverage) ratio | 8.6650% | 5,530 |
| Tier 1 risk-based capital ratio | 13.0840% | 5,182 |
| Total risk-based capital ratio | 13.8868% | 5,491 |
| Memoranda: | ||
| Average total assets | $41,974,000 | 6,504 |
| Average earning assets | $33,750,250 | 6,648 |
| Average equity | $3,684,000 | 6,726 |
| Average total loans | $26,032,750 | 6,218 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6696% | 117 |
| Cost of funding earning assets | 1.2738% | 585 |
| Net interest margin | 5.3958% | 212 |
| Noninterest income to average assets | 0.9309% | 1,671 |
| Noninterest expense to average assets | 5.0205% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2565% | 5,747 |
| Return on assets (ROA) | 0.2565% | 5,937 |
| Pretax return on assets | 0.2565% | 6,044 |
| Return on Equity (ROE) | 2.9417% | 5,715 |
| Retained earnings to average equity (ytd only) | 2.9417% | 4,679 |
| Net charge-offs to loans | -0.3149% | 7,078 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1395% | 743 |
| Assets per employee ($millions) | 2.6717% | 6,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 6,531 |
| Loan loss allowance to noncurrent loans | 24.6753% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 7.2262% | 526 |
| Noncurrent loans to loans | 3.5248% | 1,624 |
| Net loans and leases to total assets | 60.7902% | 3,660 |
| Net loans and leases to deposits | 75.2912% | 3,085 |
| Net loans and leases to core deposits | 101.4484% | 1,005 |
| Total domestic deposits to total assets | 80.7402% | 5,545 |
| Equity capital to assets | 8.6626% | 6,063 |
| Core capital (leverage) ratio | 8.7537% | 5,288 |
| Tier 1 risk-based capital ratio | 13.0069% | 5,187 |
| Total risk-based capital ratio | 13.8089% | 5,506 |
| Memoranda: | ||
| Average total assets | $42,107,670 | 6,537 |
| Average earning assets | $33,915,330 | 6,688 |
| Average equity | $3,671,330 | 6,763 |
| Average total loans | $26,042,670 | 6,260 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6898% | 132 |
| Cost of funding earning assets | 1.3213% | 580 |
| Net interest margin | 5.3685% | 224 |
| Noninterest income to average assets | 1.0529% | 1,299 |
| Noninterest expense to average assets | 5.2455% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1244% | 6,185 |
| Return on assets (ROA) | 0.1244% | 6,313 |
| Pretax return on assets | 0.1244% | 6,346 |
| Return on Equity (ROE) | 1.4225% | 6,246 |
| Retained earnings to average equity (ytd only) | 1.4225% | 5,523 |
| Net charge-offs to loans | -0.0462% | 6,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6827% | 650 |
| Assets per employee ($millions) | 2.5998% | 6,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7287% | 6,842 |
| Loan loss allowance to noncurrent loans | 16.1154% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 7.8708% | 491 |
| Noncurrent loans to loans | 4.5219% | 1,288 |
| Net loans and leases to total assets | 62.2232% | 3,216 |
| Net loans and leases to deposits | 77.3458% | 2,621 |
| Net loans and leases to core deposits | 104.2996% | 754 |
| Total domestic deposits to total assets | 80.4481% | 5,738 |
| Equity capital to assets | 8.7939% | 5,755 |
| Core capital (leverage) ratio | 8.8560% | 5,054 |
| Tier 1 risk-based capital ratio | 12.8015% | 5,360 |
| Total risk-based capital ratio | 13.4666% | 5,788 |
| Memoranda: | ||
| Average total assets | $41,788,000 | 6,613 |
| Average earning assets | $33,603,500 | 6,754 |
| Average equity | $3,655,500 | 6,812 |
| Average total loans | $25,957,000 | 6,312 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9223% | 105 |
| Cost of funding earning assets | 1.5436% | 601 |
| Net interest margin | 5.3787% | 211 |
| Noninterest income to average assets | 2.2775% | 312 |
| Noninterest expense to average assets | 6.2077% | 190 |
| Loan and lease loss provision to assets | 0.3410% | 2,969 |
| Net operating income to assets | 0.0167% | 6,007 |
| Return on assets (ROA) | 0.0167% | 6,129 |
| Pretax return on assets | 0.0167% | 6,096 |
| Return on Equity (ROE) | 0.2205% | 6,111 |
| Retained earnings to average equity (ytd only) | 0.2205% | 5,728 |
| Net charge-offs to loans | 0.7472% | 2,285 |
| Credit loss provision to net charge-offs | 72.5888% | 4,751 |
| Earnings coverage of net charge-offs (x) | 0.7614% | 5,230 |
| Efficiency ratio | 94.5514% | 889 |
| Assets per employee ($millions) | 2.6237% | 6,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7275% | 6,861 |
| Loan loss allowance to noncurrent loans | 54.0230% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 6.1054% | 797 |
| Noncurrent loans to loans | 1.3467% | 4,125 |
| Net loans and leases to total assets | 61.1091% | 3,758 |
| Net loans and leases to deposits | 75.8673% | 3,191 |
| Net loans and leases to core deposits | 102.9951% | 965 |
| Total domestic deposits to total assets | 80.5474% | 5,580 |
| Equity capital to assets | 8.7020% | 5,896 |
| Core capital (leverage) ratio | 8.9416% | 4,878 |
| Tier 1 risk-based capital ratio | 12.9248% | 5,136 |
| Total risk-based capital ratio | 13.5911% | 5,557 |
| Memoranda: | ||
| Average total assets | $41,931,800 | 6,602 |
| Average earning assets | $33,428,000 | 6,768 |
| Average equity | $3,175,000 | 6,974 |
| Average total loans | $26,364,000 | 6,334 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9209% | 108 |
| Cost of funding earning assets | 1.6082% | 557 |
| Net interest margin | 5.3127% | 243 |
| Noninterest income to average assets | 1.0973% | 1,107 |
| Noninterest expense to average assets | 6.0049% | 203 |
| Loan and lease loss provision to assets | 0.1845% | 4,191 |
| Net operating income to assets | -0.6520% | 6,729 |
| Return on assets (ROA) | -0.6520% | 6,766 |
| Pretax return on assets | -0.8683% | 6,816 |
| Return on Equity (ROE) | -8.9455% | 6,859 |
| Retained earnings to average equity (ytd only) | -8.9455% | 6,813 |
| Net charge-offs to loans | 0.0050% | 6,116 |
| Credit loss provision to net charge-offs | 5,800.0000% | 49 |
| Earnings coverage of net charge-offs (x) | -215.5338% | 6,181 |
| Efficiency ratio | 112.8512% | 384 |
| Assets per employee ($millions) | 2.5534% | 6,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 5,719 |
| Loan loss allowance to noncurrent loans | 56.4394% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 6.8610% | 731 |
| Noncurrent loans to loans | 2.0242% | 3,336 |
| Net loans and leases to total assets | 63.1199% | 3,489 |
| Net loans and leases to deposits | 77.1742% | 3,139 |
| Net loans and leases to core deposits | 95.8981% | 1,615 |
| Total domestic deposits to total assets | 81.7888% | 5,164 |
| Equity capital to assets | 7.2086% | 7,011 |
| Core capital (leverage) ratio | 7.1887% | 6,904 |
| Tier 1 risk-based capital ratio | 10.3798% | 6,831 |
| Total risk-based capital ratio | 11.4337% | 6,893 |
| Memoranda: | ||
| Average total assets | $41,920,000 | 6,662 |
| Average earning assets | $33,328,000 | 6,832 |
| Average equity | $3,055,500 | 7,057 |
| Average total loans | $26,494,750 | 6,385 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7517% | 149 |
| Cost of funding earning assets | 1.6328% | 616 |
| Net interest margin | 5.1189% | 321 |
| Noninterest income to average assets | 1.1023% | 1,068 |
| Noninterest expense to average assets | 6.2590% | 179 |
| Loan and lease loss provision to assets | 0.2744% | 3,193 |
| Net operating income to assets | -0.9556% | 6,932 |
| Return on assets (ROA) | -0.9556% | 6,937 |
| Pretax return on assets | -1.3672% | 7,018 |
| Return on Equity (ROE) | -13.0646% | 7,018 |
| Retained earnings to average equity (ytd only) | -13.0646% | 6,979 |
| Net charge-offs to loans | 0.0075% | 5,757 |
| Credit loss provision to net charge-offs | 5,800.0000% | 54 |
| Earnings coverage of net charge-offs (x) | -231.0000% | 5,872 |
| Efficiency ratio | 121.1538% | 334 |
| Assets per employee ($millions) | 2.5396% | 6,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 5,804 |
| Loan loss allowance to noncurrent loans | 26.6547% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 7.8998% | 594 |
| Noncurrent loans to loans | 4.2675% | 1,587 |
| Net loans and leases to total assets | 63.7397% | 3,521 |
| Net loans and leases to deposits | 78.0003% | 3,121 |
| Net loans and leases to core deposits | 106.2390% | 918 |
| Total domestic deposits to total assets | 81.7173% | 5,267 |
| Equity capital to assets | 7.2673% | 7,037 |
| Core capital (leverage) ratio | 7.2121% | 6,914 |
| Tier 1 risk-based capital ratio | 10.3374% | 6,851 |
| Total risk-based capital ratio | 11.3859% | 6,928 |
| Memoranda: | ||
| Average total assets | $42,275,330 | 6,714 |
| Average earning assets | $33,561,670 | 6,888 |
| Average equity | $3,092,330 | 7,107 |
| Average total loans | $26,631,330 | 6,443 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7936% | 140 |
| Cost of funding earning assets | 1.6241% | 747 |
| Net interest margin | 5.1696% | 265 |
| Noninterest income to average assets | 1.0395% | 1,219 |
| Noninterest expense to average assets | 4.9842% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2506% | 5,615 |
| Return on assets (ROA) | 0.2506% | 5,681 |
| Pretax return on assets | 0.2506% | 5,808 |
| Return on Equity (ROE) | 3.4156% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.4156% | 4,141 |
| Net charge-offs to loans | -0.0298% | 6,711 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2128% | 970 |
| Assets per employee ($millions) | 2.5573% | 6,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 6,661 |
| Loan loss allowance to noncurrent loans | 32.6613% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 7.0166% | 762 |
| Noncurrent loans to loans | 2.7973% | 2,701 |
| Net loans and leases to total assets | 64.4084% | 3,371 |
| Net loans and leases to deposits | 79.3556% | 2,835 |
| Net loans and leases to core deposits | 107.6420% | 859 |
| Total domestic deposits to total assets | 81.1643% | 5,615 |
| Equity capital to assets | 7.7498% | 6,711 |
| Core capital (leverage) ratio | 7.4129% | 6,780 |
| Tier 1 risk-based capital ratio | 11.1534% | 6,392 |
| Total risk-based capital ratio | 12.0092% | 6,644 |
| Memoranda: | ||
| Average total assets | $43,096,000 | 6,726 |
| Average earning assets | $34,974,000 | 6,882 |
| Average equity | $3,162,000 | 7,122 |
| Average total loans | $26,848,000 | 6,478 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0476% | 142 |
| Cost of funding earning assets | 1.8946% | 856 |
| Net interest margin | 5.1530% | 318 |
| Noninterest income to average assets | 2.4081% | 291 |
| Noninterest expense to average assets | 5.3183% | 334 |
| Loan and lease loss provision to assets | 0.7007% | 2,339 |
| Net operating income to assets | 0.4718% | 4,221 |
| Return on assets (ROA) | 0.4718% | 4,383 |
| Pretax return on assets | 0.6517% | 4,160 |
| Return on Equity (ROE) | 6.6043% | 3,297 |
| Retained earnings to average equity (ytd only) | 6.6043% | 1,503 |
| Net charge-offs to loans | 1.3327% | 1,673 |
| Credit loss provision to net charge-offs | 80.8625% | 5,533 |
| Earnings coverage of net charge-offs (x) | 1.5606% | 4,570 |
| Efficiency ratio | 79.7269% | 2,454 |
| Assets per employee ($millions) | 2.8297% | 6,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 6,753 |
| Loan loss allowance to noncurrent loans | 38.3148% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 5.4644% | 1,136 |
| Noncurrent loans to loans | 2.3211% | 3,199 |
| Net loans and leases to total assets | 59.3219% | 4,785 |
| Net loans and leases to deposits | 69.7792% | 4,839 |
| Net loans and leases to core deposits | 84.4458% | 3,534 |
| Total domestic deposits to total assets | 85.0138% | 3,844 |
| Equity capital to assets | 6.9641% | 7,124 |
| Core capital (leverage) ratio | 7.0602% | 6,997 |
| Tier 1 risk-based capital ratio | 10.9183% | 6,394 |
| Total risk-based capital ratio | 11.7529% | 6,677 |
| Memoranda: | ||
| Average total assets | $42,814,200 | 6,771 |
| Average earning assets | $35,416,200 | 6,900 |
| Average equity | $3,058,600 | 7,264 |
| Average total loans | $27,838,200 | 6,506 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2075% | 116 |
| Cost of funding earning assets | 2.0031% | 747 |
| Net interest margin | 5.2044% | 294 |
| Noninterest income to average assets | 2.1232% | 348 |
| Noninterest expense to average assets | 5.3460% | 296 |
| Loan and lease loss provision to assets | 0.3949% | 3,532 |
| Net operating income to assets | 0.5529% | 4,082 |
| Return on assets (ROA) | 0.5529% | 4,249 |
| Pretax return on assets | 0.6920% | 4,256 |
| Return on Equity (ROE) | 7.6880% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.6880% | 1,521 |
| Net charge-offs to loans | 0.7279% | 2,602 |
| Credit loss provision to net charge-offs | 81.6993% | 5,085 |
| Earnings coverage of net charge-offs (x) | 2.2484% | 4,047 |
| Efficiency ratio | 83.1041% | 1,940 |
| Assets per employee ($millions) | 2.9438% | 6,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 6,310 |
| Loan loss allowance to noncurrent loans | 29.0686% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 5.7884% | 1,048 |
| Noncurrent loans to loans | 3.5066% | 2,254 |
| Net loans and leases to total assets | 62.4544% | 4,434 |
| Net loans and leases to deposits | 73.6592% | 4,571 |
| Net loans and leases to core deposits | 90.4019% | 3,041 |
| Total domestic deposits to total assets | 84.7884% | 3,729 |
| Equity capital to assets | 7.1200% | 7,298 |
| Core capital (leverage) ratio | 7.1212% | 7,099 |
| Tier 1 risk-based capital ratio | 10.2729% | 6,917 |
| Total risk-based capital ratio | 11.2089% | 7,072 |
| Memoranda: | ||
| Average total assets | $42,199,000 | 6,879 |
| Average earning assets | $34,944,000 | 7,000 |
| Average equity | $3,035,000 | 7,362 |
| Average total loans | $28,023,000 | 6,589 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2383% | 116 |
| Cost of funding earning assets | 2.0930% | 672 |
| Net interest margin | 5.1453% | 313 |
| Noninterest income to average assets | 1.2131% | 877 |
| Noninterest expense to average assets | 4.9343% | 396 |
| Loan and lease loss provision to assets | 0.3129% | 3,874 |
| Net operating income to assets | 0.2263% | 5,474 |
| Return on assets (ROA) | 0.2263% | 5,607 |
| Pretax return on assets | 0.2263% | 5,712 |
| Return on Equity (ROE) | 3.1347% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.1347% | 4,117 |
| Net charge-offs to loans | 0.8406% | 2,145 |
| Credit loss provision to net charge-offs | 55.0847% | 5,317 |
| Earnings coverage of net charge-offs (x) | 0.9492% | 4,830 |
| Efficiency ratio | 90.1495% | 1,322 |
| Assets per employee ($millions) | 2.7820% | 6,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 6,652 |
| Loan loss allowance to noncurrent loans | 24.8322% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 5.8279% | 1,027 |
| Noncurrent loans to loans | 3.7577% | 2,069 |
| Net loans and leases to total assets | 65.8926% | 3,858 |
| Net loans and leases to deposits | 78.1698% | 3,932 |
| Net loans and leases to core deposits | 95.6185% | 2,489 |
| Total domestic deposits to total assets | 84.2943% | 3,965 |
| Equity capital to assets | 7.2490% | 7,248 |
| Core capital (leverage) ratio | 7.1381% | 7,104 |
| Tier 1 risk-based capital ratio | 10.1171% | 6,958 |
| Total risk-based capital ratio | 10.9938% | 7,153 |
| Memoranda: | ||
| Average total assets | $41,546,330 | 6,944 |
| Average earning assets | $34,400,330 | 7,067 |
| Average equity | $2,998,670 | 7,414 |
| Average total loans | $28,076,670 | 6,629 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1146% | 141 |
| Cost of funding earning assets | 2.1054% | 799 |
| Net interest margin | 5.0091% | 412 |
| Noninterest income to average assets | 1.1965% | 853 |
| Noninterest expense to average assets | 5.2105% | 315 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1544% | 5,839 |
| Return on assets (ROA) | 0.1544% | 5,967 |
| Pretax return on assets | 0.1640% | 5,985 |
| Return on Equity (ROE) | 2.1437% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.1437% | 4,849 |
| Net charge-offs to loans | -0.2267% | 7,695 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9479% | 974 |
| Assets per employee ($millions) | 2.5926% | 7,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 5,739 |
| Loan loss allowance to noncurrent loans | 26.5802% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 5.1542% | 1,230 |
| Noncurrent loans to loans | 4.3491% | 1,739 |
| Net loans and leases to total assets | 67.6117% | 3,482 |
| Net loans and leases to deposits | 80.2690% | 3,611 |
| Net loans and leases to core deposits | 106.2993% | 1,553 |
| Total domestic deposits to total assets | 84.2313% | 4,030 |
| Equity capital to assets | 7.2033% | 7,280 |
| Core capital (leverage) ratio | 7.1529% | 7,143 |
| Tier 1 risk-based capital ratio | 10.1639% | 6,918 |
| Total risk-based capital ratio | 11.2909% | 6,995 |
| Memoranda: | ||
| Average total assets | $41,454,500 | 7,042 |
| Average earning assets | $34,577,000 | 7,146 |
| Average equity | $2,985,500 | 7,497 |
| Average total loans | $28,237,000 | 6,700 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2755% | 180 |
| Cost of funding earning assets | 2.6146% | 748 |
| Net interest margin | 4.6610% | 885 |
| Noninterest income to average assets | 2.2057% | 329 |
| Noninterest expense to average assets | 5.2122% | 455 |
| Loan and lease loss provision to assets | 0.1422% | 6,219 |
| Net operating income to assets | 0.5378% | 3,580 |
| Return on assets (ROA) | 0.5378% | 3,667 |
| Pretax return on assets | 0.6610% | 3,702 |
| Return on Equity (ROE) | 7.8754% | 2,423 |
| Retained earnings to average equity (ytd only) | 7.8754% | 735 |
| Net charge-offs to loans | 0.4037% | 4,206 |
| Credit loss provision to net charge-offs | 53.0973% | 6,710 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,577 |
| Efficiency ratio | 86.6483% | 2,040 |
| Assets per employee ($millions) | 2.4369% | 7,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 5,847 |
| Loan loss allowance to noncurrent loans | 27.1069% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 4.9266% | 1,256 |
| Noncurrent loans to loans | 4.0961% | 1,796 |
| Net loans and leases to total assets | 67.0754% | 3,907 |
| Net loans and leases to deposits | 79.8437% | 4,024 |
| Net loans and leases to core deposits | 110.2130% | 2,871 |
| Total domestic deposits to total assets | 84.0084% | 4,020 |
| Equity capital to assets | 7.2004% | 7,261 |
| Core capital (leverage) ratio | 6.9569% | 7,274 |
| Tier 1 risk-based capital ratio | 10.2082% | 6,672 |
| Total risk-based capital ratio | 11.2908% | 6,806 |
| Memoranda: | ||
| Average total assets | $42,208,600 | 7,021 |
| Average earning assets | $34,499,200 | 7,160 |
| Average equity | $2,882,400 | 7,621 |
| Average total loans | $27,990,600 | 6,743 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2377% | 215 |
| Cost of funding earning assets | 2.7334% | 719 |
| Net interest margin | 4.5042% | 1,185 |
| Noninterest income to average assets | 2.2922% | 303 |
| Noninterest expense to average assets | 4.8862% | 530 |
| Loan and lease loss provision to assets | 0.1887% | 5,487 |
| Net operating income to assets | 0.8741% | 2,524 |
| Return on assets (ROA) | 0.8741% | 2,598 |
| Pretax return on assets | 0.8804% | 3,285 |
| Return on Equity (ROE) | 12.9726% | 1,121 |
| Retained earnings to average equity (ytd only) | 12.9726% | 262 |
| Net charge-offs to loans | 0.3290% | 3,992 |
| Credit loss provision to net charge-offs | 86.9565% | 5,568 |
| Earnings coverage of net charge-offs (x) | 4.9274% | 2,967 |
| Efficiency ratio | 82.0486% | 2,577 |
| Assets per employee ($millions) | 2.5779% | 7,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 4,847 |
| Loan loss allowance to noncurrent loans | 30.2721% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 3.5574% | 1,856 |
| Noncurrent loans to loans | 4.1233% | 1,768 |
| Net loans and leases to total assets | 64.2684% | 4,810 |
| Net loans and leases to deposits | 75.7225% | 5,094 |
| Net loans and leases to core deposits | 103.8264% | 3,960 |
| Total domestic deposits to total assets | 84.8736% | 3,297 |
| Equity capital to assets | 6.9323% | 7,626 |
| Core capital (leverage) ratio | 7.0128% | 7,426 |
| Tier 1 risk-based capital ratio | 10.6108% | 6,331 |
| Total risk-based capital ratio | 11.8623% | 6,307 |
| Memoranda: | ||
| Average total assets | $42,403,750 | 7,063 |
| Average earning assets | $34,485,500 | 7,229 |
| Average equity | $2,857,250 | 7,703 |
| Average total loans | $27,963,250 | 6,796 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6847% | 127 |
| Cost of funding earning assets | 2.9372% | 563 |
| Net interest margin | 4.7475% | 735 |
| Noninterest income to average assets | 1.7219% | 493 |
| Noninterest expense to average assets | 4.8223% | 587 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6678% | 3,398 |
| Return on assets (ROA) | 0.6678% | 3,505 |
| Pretax return on assets | 0.6773% | 4,079 |
| Return on Equity (ROE) | 10.0107% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.0107% | 731 |
| Net charge-offs to loans | 0.1800% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 5.6800% | 2,783 |
| Efficiency ratio | 87.6843% | 2,051 |
| Assets per employee ($millions) | 2.4645% | 7,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 5,050 |
| Loan loss allowance to noncurrent loans | 19.9063% | 7,132 |
| Noncurrent assets plus other real estate owned to assets | 5.0743% | 1,035 |
| Noncurrent loans to loans | 5.9477% | 923 |
| Net loans and leases to total assets | 67.7304% | 4,199 |
| Net loans and leases to deposits | 80.1361% | 4,525 |
| Net loans and leases to core deposits | 110.6230% | 3,316 |
| Total domestic deposits to total assets | 84.5192% | 3,496 |
| Equity capital to assets | 6.9003% | 7,659 |
| Core capital (leverage) ratio | 6.6924% | 7,703 |
| Tier 1 risk-based capital ratio | 9.9707% | 6,959 |
| Total risk-based capital ratio | 11.1577% | 6,961 |
| Memoranda: | ||
| Average total assets | $41,930,330 | 7,136 |
| Average earning assets | $33,365,000 | 7,344 |
| Average equity | $2,797,000 | 7,788 |
| Average total loans | $27,777,330 | 6,860 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5358% | 161 |
| Cost of funding earning assets | 3.0548% | 520 |
| Net interest margin | 4.4811% | 1,169 |
| Noninterest income to average assets | 1.6211% | 522 |
| Noninterest expense to average assets | 5.0063% | 484 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2098% | 5,633 |
| Return on assets (ROA) | 0.2098% | 5,795 |
| Pretax return on assets | 0.2098% | 5,913 |
| Return on Equity (ROE) | 3.2000% | 5,279 |
| Retained earnings to average equity (ytd only) | 3.2000% | 4,093 |
| Net charge-offs to loans | 0.2783% | 3,003 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.1579% | 4,175 |
| Efficiency ratio | 95.9781% | 1,323 |
| Assets per employee ($millions) | 2.4870% | 7,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 4,338 |
| Loan loss allowance to noncurrent loans | 36.3064% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 3.0393% | 1,856 |
| Noncurrent loans to loans | 3.4718% | 1,834 |
| Net loans and leases to total assets | 64.1075% | 4,966 |
| Net loans and leases to deposits | 75.6672% | 5,263 |
| Net loans and leases to core deposits | 97.5420% | 4,795 |
| Total domestic deposits to total assets | 84.7229% | 3,345 |
| Equity capital to assets | 6.5848% | 7,842 |
| Core capital (leverage) ratio | 6.4985% | 7,881 |
| Tier 1 risk-based capital ratio | 9.6896% | 7,265 |
| Total risk-based capital ratio | 10.9141% | 7,207 |
| Memoranda: | ||
| Average total assets | $41,947,000 | 7,167 |
| Average earning assets | $33,652,500 | 7,372 |
| Average equity | $2,750,000 | 7,854 |
| Average total loans | $27,307,500 | 6,923 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4319% | 111 |
| Cost of funding earning assets | 3.3513% | 805 |
| Net interest margin | 5.0807% | 424 |
| Noninterest income to average assets | 2.9556% | 202 |
| Noninterest expense to average assets | 6.1654% | 381 |
| Loan and lease loss provision to assets | 1.2315% | 1,164 |
| Net operating income to assets | -0.2306% | 6,655 |
| Return on assets (ROA) | -0.2280% | 6,495 |
| Pretax return on assets | -0.2280% | 6,392 |
| Return on Equity (ROE) | -3.1284% | 6,638 |
| Retained earnings to average equity (ytd only) | -3.1284% | 6,138 |
| Net charge-offs to loans | 1.3498% | 871 |
| Credit loss provision to net charge-offs | 134.6705% | 3,955 |
| Earnings coverage of net charge-offs (x) | 1.0946% | 5,575 |
| Efficiency ratio | 86.0329% | 1,849 |
| Assets per employee ($millions) | 2.6009% | 7,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 3,513 |
| Loan loss allowance to noncurrent loans | 74.4898% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 2.3525% | 2,067 |
| Noncurrent loans to loans | 1.8038% | 3,053 |
| Net loans and leases to total assets | 64.3999% | 5,192 |
| Net loans and leases to deposits | 76.1191% | 5,581 |
| Net loans and leases to core deposits | 97.8316% | 5,055 |
| Total domestic deposits to total assets | 84.6041% | 3,025 |
| Equity capital to assets | 6.5265% | 7,927 |
| Core capital (leverage) ratio | 7.1835% | 7,541 |
| Tier 1 risk-based capital ratio | 9.5071% | 7,297 |
| Total risk-based capital ratio | 10.7848% | 7,189 |
| Memoranda: | ||
| Average total assets | $38,164,400 | 7,297 |
| Average earning assets | $31,629,800 | 7,428 |
| Average equity | $2,781,000 | 7,901 |
| Average total loans | $25,855,800 | 6,977 |