Home > First Colorado National Bank > Performance and Condition Ratios
First Colorado National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2902% | 1,509 |
| Cost of funding earning assets | 1.0013% | 3,287 |
| Net interest margin | 4.2889% | 829 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 3.4829% | 586 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.6438% | 3,325 |
| Return on assets (ROA) | 0.6438% | 3,308 |
| Pretax return on assets | 0.7863% | 3,243 |
| Return on Equity (ROE) | 5.2600% | 3,679 |
| Retained earnings to average equity (ytd only) | 5.2641% | 2,501 |
| Net charge-offs to loans | -0.0074% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.8404% | 1,083 |
| Assets per employee ($millions) | 4.3446% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 1,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 81.2900% | 502 |
| Net loans and leases to deposits | 93.7035% | 959 |
| Net loans and leases to core deposits | 99.0099% | 1,489 |
| Total domestic deposits to total assets | 86.7500% | 1,772 |
| Equity capital to assets | 12.3978% | 1,009 |
| Core capital (leverage) ratio | 12.0569% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1751% | 1,485 |
| Memoranda: | ||
| Average total assets | $81,397,600 | 4,004 |
| Average earning assets | $74,401,600 | 3,986 |
| Average equity | $9,954,200 | 3,725 |
| Average total loans | $67,157,200 | 3,590 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 1,618 |
| Cost of funding earning assets | 0.8531% | 3,391 |
| Net interest margin | 4.2564% | 856 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 3.5358% | 530 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6444% | 3,440 |
| Return on assets (ROA) | 0.6444% | 3,435 |
| Pretax return on assets | 0.7940% | 3,346 |
| Return on Equity (ROE) | 5.2900% | 3,763 |
| Retained earnings to average equity (ytd only) | 5.2877% | 2,847 |
| Net charge-offs to loans | -0.0080% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.6353% | 879 |
| Assets per employee ($millions) | 4.1488% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 1,387 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 77.7800% | 912 |
| Net loans and leases to deposits | 88.9083% | 1,311 |
| Net loans and leases to core deposits | 94.8667% | 1,628 |
| Total domestic deposits to total assets | 87.4800% | 1,746 |
| Equity capital to assets | 12.1758% | 992 |
| Core capital (leverage) ratio | 12.1273% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3681% | 1,455 |
| Memoranda: | ||
| Average total assets | $81,110,250 | 4,022 |
| Average earning assets | $74,083,500 | 4,007 |
| Average equity | $9,884,250 | 3,735 |
| Average total loans | $66,937,750 | 3,607 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 1,735 |
| Cost of funding earning assets | 0.7030% | 3,478 |
| Net interest margin | 4.2101% | 917 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 3.5608% | 495 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5864% | 3,617 |
| Return on assets (ROA) | 0.5864% | 3,619 |
| Pretax return on assets | 0.7281% | 3,546 |
| Return on Equity (ROE) | 4.8100% | 3,902 |
| Retained earnings to average equity (ytd only) | 4.8108% | 2,990 |
| Net charge-offs to loans | -0.0089% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.8806% | 787 |
| Assets per employee ($millions) | 4.2164% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 1,527 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 81.4200% | 482 |
| Net loans and leases to deposits | 93.2051% | 936 |
| Net loans and leases to core deposits | 98.8168% | 1,302 |
| Total domestic deposits to total assets | 87.3500% | 1,818 |
| Equity capital to assets | 12.4151% | 948 |
| Core capital (leverage) ratio | 11.9501% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0248% | 1,571 |
| Memoranda: | ||
| Average total assets | $80,488,333 | 4,039 |
| Average earning assets | $73,680,333 | 4,033 |
| Average equity | $9,811,333 | 3,764 |
| Average total loans | $67,429,667 | 3,603 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 2,229 |
| Cost of funding earning assets | 0.4548% | 3,828 |
| Net interest margin | 4.0825% | 1,126 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 3.7384% | 427 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3272% | 4,209 |
| Return on assets (ROA) | 0.3272% | 4,168 |
| Pretax return on assets | 0.4066% | 4,122 |
| Return on Equity (ROE) | 2.7100% | 4,219 |
| Retained earnings to average equity (ytd only) | 2.7094% | 3,566 |
| Net charge-offs to loans | -0.0118% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.0383% | 418 |
| Assets per employee ($millions) | 3.8270% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 1,791 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 83.9300% | 241 |
| Net loans and leases to deposits | 95.7145% | 666 |
| Net loans and leases to core deposits | 100.7875% | 1,059 |
| Total domestic deposits to total assets | 87.6900% | 2,026 |
| Equity capital to assets | 12.1656% | 947 |
| Core capital (leverage) ratio | 11.7429% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6886% | 1,728 |
| Memoranda: | ||
| Average total assets | $80,676,500 | 4,093 |
| Average earning assets | $73,876,500 | 4,083 |
| Average equity | $9,744,000 | 3,816 |
| Average total loans | $68,068,500 | 3,638 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 1,710 |
| Cost of funding earning assets | 0.1654% | 4,027 |
| Net interest margin | 3.8375% | 1,088 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 3.6817% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5974% | 3,888 |
| Return on assets (ROA) | 0.5974% | 3,845 |
| Pretax return on assets | 0.2945% | 4,381 |
| Return on Equity (ROE) | 5.2900% | 3,968 |
| Retained earnings to average equity (ytd only) | 5.2888% | 2,931 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.3823% | 289 |
| Assets per employee ($millions) | 4.0494% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 1,624 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 82.5200% | 369 |
| Net loans and leases to deposits | 94.0900% | 775 |
| Net loans and leases to core deposits | 94.4570% | 1,275 |
| Total domestic deposits to total assets | 87.7100% | 2,175 |
| Equity capital to assets | 11.9908% | 937 |
| Core capital (leverage) ratio | 10.7641% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7723% | 1,702 |
| Memoranda: | ||
| Average total assets | $84,201,200 | 4,079 |
| Average earning assets | $76,768,200 | 4,078 |
| Average equity | $9,510,600 | 3,932 |
| Average total loans | $67,659,800 | 3,616 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 1,815 |
| Cost of funding earning assets | 0.1567% | 3,763 |
| Net interest margin | 3.6239% | 1,340 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 3.6028% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6368% | 3,731 |
| Return on assets (ROA) | 0.6368% | 3,685 |
| Pretax return on assets | 0.1898% | 4,468 |
| Return on Equity (ROE) | 5.7200% | 3,847 |
| Retained earnings to average equity (ytd only) | 5.7219% | 2,846 |
| Net charge-offs to loans | 0.0020% | 2,218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 121.0000% | 839 |
| Efficiency ratio | 92.7213% | 261 |
| Assets per employee ($millions) | 4.4120% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 1,746 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 75.7700% | 927 |
| Net loans and leases to deposits | 85.2612% | 1,216 |
| Net loans and leases to core deposits | 85.5624% | 1,553 |
| Total domestic deposits to total assets | 88.8700% | 2,142 |
| Equity capital to assets | 10.8953% | 1,216 |
| Core capital (leverage) ratio | 10.5970% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2398% | 1,964 |
| Memoranda: | ||
| Average total assets | $85,004,750 | 4,105 |
| Average earning assets | $77,446,000 | 4,097 |
| Average equity | $9,460,500 | 3,985 |
| Average total loans | $67,635,000 | 3,630 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 1,445 |
| Cost of funding earning assets | 0.1548% | 3,512 |
| Net interest margin | 3.5842% | 1,094 |
| Noninterest income to average assets | 0.5267% | 2,058 |
| Noninterest expense to average assets | 3.6365% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8007% | 2,954 |
| Return on assets (ROA) | 0.8007% | 2,921 |
| Pretax return on assets | 0.1454% | 4,455 |
| Return on Equity (ROE) | 7.1418% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.1418% | 1,941 |
| Net charge-offs to loans | 0.0030% | 1,965 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 1,073 |
| Efficiency ratio | 93.8248% | 294 |
| Assets per employee ($millions) | 4.7247% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 1,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 77.4693% | 599 |
| Net loans and leases to deposits | 87.4871% | 877 |
| Net loans and leases to core deposits | 87.8089% | 1,233 |
| Total domestic deposits to total assets | 88.5495% | 2,359 |
| Equity capital to assets | 11.2236% | 1,123 |
| Core capital (leverage) ratio | 10.4086% | 2,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5438% | 1,850 |
| Memoranda: | ||
| Average total assets | $83,926,333 | 4,156 |
| Average earning assets | $76,223,000 | 4,167 |
| Average equity | $9,409,333 | 4,057 |
| Average total loans | $67,585,000 | 3,661 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 1,384 |
| Cost of funding earning assets | 0.1532% | 3,463 |
| Net interest margin | 3.4962% | 1,097 |
| Noninterest income to average assets | 0.4750% | 2,276 |
| Noninterest expense to average assets | 3.7856% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2763% | 1,056 |
| Return on assets (ROA) | 1.2763% | 1,049 |
| Pretax return on assets | -0.1343% | 4,593 |
| Return on Equity (ROE) | 11.3900% | 1,492 |
| Retained earnings to average equity (ytd only) | 11.3900% | 710 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3141% | 221 |
| Assets per employee ($millions) | 4.2036% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 81.1055% | 194 |
| Net loans and leases to deposits | 91.7800% | 442 |
| Net loans and leases to core deposits | 92.1222% | 806 |
| Total domestic deposits to total assets | 88.3695% | 2,347 |
| Equity capital to assets | 11.2701% | 1,207 |
| Core capital (leverage) ratio | 10.7033% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8290% | 2,296 |
| Memoranda: | ||
| Average total assets | $83,367,500 | 4,177 |
| Average earning assets | $75,740,000 | 4,196 |
| Average equity | $9,341,500 | 4,128 |
| Average total loans | $67,974,000 | 3,659 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4056% | 4,756 |
| Cost of funding earning assets | 0.0726% | 4,568 |
| Net interest margin | 1.3330% | 4,744 |
| Noninterest income to average assets | 0.2103% | 4,113 |
| Noninterest expense to average assets | 1.8208% | 4,107 |
| Loan and lease loss provision to assets | 1.0748% | 27 |
| Net operating income to assets | -1.4269% | 4,806 |
| Return on assets (ROA) | -1.4269% | 4,806 |
| Pretax return on assets | -1.4269% | 4,799 |
| Return on Equity (ROE) | -10.4454% | 4,807 |
| Retained earnings to average equity (ytd only) | -59.4400% | 4,835 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.0443% | 64 |
| Assets per employee ($millions) | 4.8625% | 3,842 |
| Cash dividends to net income (ytd only)* | -469.0554% | 4,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 1,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 3,343 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 79.7346% | 279 |
| Net loans and leases to deposits | 89.9735% | 570 |
| Net loans and leases to core deposits | 90.3138% | 960 |
| Total domestic deposits to total assets | 88.6201% | 1,723 |
| Equity capital to assets | 11.1392% | 1,706 |
| Core capital (leverage) ratio | 10.6313% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1770% | 1,789 |
| Memoranda: | ||
| Average total assets | $86,061,400 | 4,142 |
| Average earning assets | $81,243,600 | 4,111 |
| Average equity | $11,756,400 | 3,961 |
| Average total loans | $27,042,400 | 4,432 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8210% | 4,881 |
| Cost of funding earning assets | 0.0468% | 4,787 |
| Net interest margin | 0.7743% | 4,875 |
| Noninterest income to average assets | 0.1411% | 4,494 |
| Noninterest expense to average assets | 1.1506% | 4,802 |
| Loan and lease loss provision to assets | 1.0355% | 36 |
| Net operating income to assets | -1.3086% | 4,876 |
| Return on assets (ROA) | -1.3086% | 4,876 |
| Pretax return on assets | -1.3086% | 4,871 |
| Return on Equity (ROE) | -9.1766% | 4,877 |
| Retained earnings to average equity (ytd only) | -71.1430% | 4,910 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.9720% | 62 |
| Assets per employee ($millions) | 5.1894% | 3,515 |
| Cash dividends to net income (ytd only)* | -675.2638% | 4,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 2,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 3,526 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.2018% | 1,517 |
| Net loans and leases to deposits | 74.8332% | 1,776 |
| Net loans and leases to core deposits | 75.1155% | 2,131 |
| Total domestic deposits to total assets | 88.4658% | 1,586 |
| Equity capital to assets | 11.3608% | 1,770 |
| Core capital (leverage) ratio | 10.6981% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8273% | 991 |
| Memoranda: | ||
| Average total assets | $86,911,000 | 4,180 |
| Average earning assets | $82,656,750 | 4,151 |
| Average equity | $12,393,500 | 3,942 |
| Average total loans | $17,094,000 | 4,681 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0641% | 4,907 |
| Cost of funding earning assets | 0.1449% | 4,251 |
| Net interest margin | 0.9192% | 4,909 |
| Noninterest income to average assets | 0.5283% | 2,496 |
| Noninterest expense to average assets | 2.9522% | 1,064 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -1.5464% | 4,915 |
| Return on assets (ROA) | -1.5464% | 4,915 |
| Pretax return on assets | -1.5464% | 4,910 |
| Return on Equity (ROE) | -10.1941% | 4,916 |
| Retained earnings to average equity (ytd only) | -96.2906% | 4,947 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 210.0000% | 20 |
| Assets per employee ($millions) | 5.6261% | 2,986 |
| Cash dividends to net income (ytd only)* | -844.5748% | 4,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 1,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 3,680 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 3.3882% | 4,912 |
| Net loans and leases to deposits | 3.7824% | 4,916 |
| Net loans and leases to core deposits | 3.7954% | 4,905 |
| Total domestic deposits to total assets | 89.5776% | 986 |
| Equity capital to assets | 10.2224% | 2,647 |
| Core capital (leverage) ratio | 9.0672% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 120.4912% | 25 |
| Memoranda: | ||
| Average total assets | $88,204,333 | 4,195 |
| Average earning assets | $84,203,333 | 4,153 |
| Average equity | $13,380,333 | 3,856 |
| Average total loans | $4,244,333 | 4,910 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1436% | 4,933 |
| Cost of funding earning assets | 0.1490% | 4,312 |
| Net interest margin | 0.9947% | 4,932 |
| Noninterest income to average assets | 0.3482% | 3,353 |
| Noninterest expense to average assets | 2.9050% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -1.6083% | 4,948 |
| Return on assets (ROA) | -1.6083% | 4,947 |
| Pretax return on assets | -1.6083% | 4,944 |
| Return on Equity (ROE) | -9.0759% | 4,932 |
| Retained earnings to average equity (ytd only) | -9.0759% | 4,801 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 224.0283% | 16 |
| Assets per employee ($millions) | 4.9657% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 2,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 3,814 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 4.0153% | 4,938 |
| Net loans and leases to deposits | 4.8622% | 4,940 |
| Net loans and leases to core deposits | 4.8804% | 4,929 |
| Total domestic deposits to total assets | 82.5828% | 3,785 |
| Equity capital to assets | 17.1106% | 301 |
| Core capital (leverage) ratio | 16.7975% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 249.8597% | 13 |
| Memoranda: | ||
| Average total assets | $87,297,500 | 4,220 |
| Average earning assets | $83,243,500 | 4,174 |
| Average equity | $15,469,500 | 3,642 |
| Average total loans | $4,817,500 | 4,928 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7877% | 4,929 |
| Cost of funding earning assets | 0.3041% | 4,116 |
| Net interest margin | 1.4836% | 4,922 |
| Noninterest income to average assets | 0.3121% | 3,606 |
| Noninterest expense to average assets | 3.3572% | 838 |
| Loan and lease loss provision to assets | -0.0565% | 4,942 |
| Net operating income to assets | -1.5848% | 4,947 |
| Return on assets (ROA) | -1.5848% | 4,948 |
| Pretax return on assets | -1.5848% | 4,944 |
| Return on Equity (ROE) | -7.4226% | 4,921 |
| Retained earnings to average equity (ytd only) | -18.9717% | 4,956 |
| Net charge-offs to loans | -0.3046% | 4,919 |
| Credit loss provision to net charge-offs | 209.5238% | 2,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 195.6587% | 23 |
| Assets per employee ($millions) | 4.7340% | 3,685 |
| Cash dividends to net income (ytd only)* | -155.5916% | 4,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 4,425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 3,835 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 6.9814% | 4,954 |
| Net loans and leases to deposits | 8.5728% | 4,957 |
| Net loans and leases to core deposits | 8.6070% | 4,949 |
| Total domestic deposits to total assets | 81.4369% | 3,776 |
| Equity capital to assets | 18.3601% | 250 |
| Core capital (leverage) ratio | 18.0677% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 213.4064% | 14 |
| Memoranda: | ||
| Average total assets | $77,863,000 | 4,270 |
| Average earning assets | $73,671,000 | 4,241 |
| Average equity | $16,624,800 | 3,490 |
| Average total loans | $6,895,000 | 4,936 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8565% | 4,976 |
| Cost of funding earning assets | 0.3453% | 4,083 |
| Net interest margin | 1.5112% | 4,963 |
| Noninterest income to average assets | 0.2946% | 3,719 |
| Noninterest expense to average assets | 3.4145% | 786 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -1.6924% | 4,978 |
| Return on assets (ROA) | -1.6924% | 4,980 |
| Pretax return on assets | -1.6924% | 4,975 |
| Return on Equity (ROE) | -7.6269% | 4,943 |
| Retained earnings to average equity (ytd only) | -22.8016% | 4,989 |
| Net charge-offs to loans | -0.3745% | 4,958 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 198.2688% | 22 |
| Assets per employee ($millions) | 4.5836% | 3,737 |
| Cash dividends to net income (ytd only)* | -198.9637% | 5,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 2,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 3,911 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 10.0241% | 4,979 |
| Net loans and leases to deposits | 12.6347% | 4,979 |
| Net loans and leases to core deposits | 12.6913% | 4,976 |
| Total domestic deposits to total assets | 79.3383% | 3,992 |
| Equity capital to assets | 20.4230% | 193 |
| Core capital (leverage) ratio | 19.5533% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 208.0749% | 17 |
| Memoranda: | ||
| Average total assets | $76,025,750 | 4,300 |
| Average earning assets | $71,818,500 | 4,284 |
| Average equity | $16,869,750 | 3,465 |
| Average total loans | $7,119,500 | 4,963 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9687% | 5,020 |
| Cost of funding earning assets | 0.4010% | 4,032 |
| Net interest margin | 1.5676% | 5,009 |
| Noninterest income to average assets | 0.3183% | 3,559 |
| Noninterest expense to average assets | 3.4937% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -1.6924% | 5,008 |
| Return on assets (ROA) | -1.6924% | 5,007 |
| Pretax return on assets | -1.6924% | 4,996 |
| Return on Equity (ROE) | -7.4236% | 4,960 |
| Retained earnings to average equity (ytd only) | -29.7644% | 5,032 |
| Net charge-offs to loans | -0.3208% | 4,980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 193.9617% | 22 |
| Assets per employee ($millions) | 4.1926% | 4,113 |
| Cash dividends to net income (ytd only)* | -300.9404% | 5,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 3,993 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 10.6815% | 5,011 |
| Net loans and leases to deposits | 13.6516% | 5,008 |
| Net loans and leases to core deposits | 13.7157% | 5,004 |
| Total domestic deposits to total assets | 78.2435% | 4,157 |
| Equity capital to assets | 21.5207% | 159 |
| Core capital (leverage) ratio | 20.7359% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 162.5948% | 20 |
| Memoranda: | ||
| Average total assets | $75,393,667 | 4,316 |
| Average earning assets | $71,317,333 | 4,284 |
| Average equity | $17,188,333 | 3,449 |
| Average total loans | $6,858,667 | 5,002 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9092% | 5,087 |
| Cost of funding earning assets | 0.5151% | 3,869 |
| Net interest margin | 1.3941% | 5,087 |
| Noninterest income to average assets | 0.2866% | 3,809 |
| Noninterest expense to average assets | 3.4874% | 957 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -1.8791% | 5,046 |
| Return on assets (ROA) | -1.8791% | 5,031 |
| Pretax return on assets | -1.8791% | 5,020 |
| Return on Equity (ROE) | -8.0172% | 4,976 |
| Retained earnings to average equity (ytd only) | -51.5004% | 5,088 |
| Net charge-offs to loans | -0.7078% | 5,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 216.8317% | 21 |
| Assets per employee ($millions) | 4.0578% | 3,840 |
| Cash dividends to net income (ytd only)* | -542.3729% | 5,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 1,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 4,063 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 7.9723% | 5,067 |
| Net loans and leases to deposits | 10.3417% | 5,067 |
| Net loans and leases to core deposits | 10.6860% | 5,060 |
| Total domestic deposits to total assets | 77.0893% | 4,340 |
| Equity capital to assets | 22.6246% | 159 |
| Core capital (leverage) ratio | 20.9593% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 164.9229% | 23 |
| Memoranda: | ||
| Average total assets | $75,357,000 | 4,323 |
| Average earning assets | $71,443,500 | 4,292 |
| Average equity | $17,662,000 | 3,407 |
| Average total loans | $6,216,500 | 5,052 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1395% | 1,133 |
| Cost of funding earning assets | 0.5181% | 4,005 |
| Net interest margin | 4.6214% | 545 |
| Noninterest income to average assets | 3.3304% | 131 |
| Noninterest expense to average assets | 7.6840% | 94 |
| Loan and lease loss provision to assets | 0.3141% | 515 |
| Net operating income to assets | -0.4718% | 5,049 |
| Return on assets (ROA) | 8.9137% | 23 |
| Pretax return on assets | 8.9137% | 27 |
| Return on Equity (ROE) | 42.9640% | 15 |
| Retained earnings to average equity (ytd only) | 31.6007% | 8 |
| Net charge-offs to loans | 0.4985% | 374 |
| Credit loss provision to net charge-offs | 125.0000% | 2,040 |
| Earnings coverage of net charge-offs (x) | -0.6278% | 3,648 |
| Efficiency ratio | 102.0957% | 140 |
| Assets per employee ($millions) | 3.5306% | 4,453 |
| Cash dividends to net income (ytd only)* | 26.4485% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 4,103 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 8.3129% | 5,123 |
| Net loans and leases to deposits | 11.1844% | 5,127 |
| Net loans and leases to core deposits | 11.5765% | 5,122 |
| Total domestic deposits to total assets | 74.3260% | 4,755 |
| Equity capital to assets | 24.2024% | 131 |
| Core capital (leverage) ratio | 23.8371% | 140 |
| Tier 1 risk-based capital ratio | 82.6249% | 55 |
| Total risk-based capital ratio | 83.0173% | 55 |
| Memoranda: | ||
| Average total assets | $71,642,800 | 4,404 |
| Average earning assets | $65,045,200 | 4,420 |
| Average equity | $14,863,600 | 3,652 |
| Average total loans | $36,107,800 | 4,499 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9515% | 264 |
| Cost of funding earning assets | 0.5044% | 4,120 |
| Net interest margin | 5.4470% | 132 |
| Noninterest income to average assets | 4.6576% | 97 |
| Noninterest expense to average assets | 8.2696% | 93 |
| Loan and lease loss provision to assets | 0.4277% | 304 |
| Net operating income to assets | 0.8460% | 3,526 |
| Return on assets (ROA) | 0.8460% | 3,614 |
| Pretax return on assets | 0.8460% | 4,022 |
| Return on Equity (ROE) | 4.2747% | 4,534 |
| Retained earnings to average equity (ytd only) | -2.3439% | 4,953 |
| Net charge-offs to loans | 0.2452% | 723 |
| Credit loss provision to net charge-offs | 281.2500% | 994 |
| Earnings coverage of net charge-offs (x) | 8.3753% | 2,660 |
| Efficiency ratio | 86.6534% | 466 |
| Assets per employee ($millions) | 2.0258% | 5,158 |
| Cash dividends to net income (ytd only)* | 154.8304% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7098% | 174 |
| Loan loss allowance to noncurrent loans | 124.9451% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 2.4010% | 303 |
| Noncurrent loans to loans | 2.1688% | 597 |
| Net loans and leases to total assets | 55.9750% | 4,048 |
| Net loans and leases to deposits | 69.6193% | 3,790 |
| Net loans and leases to core deposits | 72.3358% | 3,925 |
| Total domestic deposits to total assets | 80.4015% | 3,890 |
| Equity capital to assets | 19.0020% | 311 |
| Core capital (leverage) ratio | 16.6805% | 477 |
| Tier 1 risk-based capital ratio | 20.3196% | 1,317 |
| Total risk-based capital ratio | 21.5929% | 1,275 |
| Memoranda: | ||
| Average total assets | $70,135,000 | 4,484 |
| Average earning assets | $62,907,500 | 4,512 |
| Average equity | $13,879,750 | 3,801 |
| Average total loans | $43,502,750 | 4,373 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1263% | 196 |
| Cost of funding earning assets | 0.4678% | 4,251 |
| Net interest margin | 5.6585% | 96 |
| Noninterest income to average assets | 4.1847% | 110 |
| Noninterest expense to average assets | 7.5921% | 97 |
| Loan and lease loss provision to assets | 0.3613% | 352 |
| Net operating income to assets | 1.3005% | 1,769 |
| Return on assets (ROA) | 1.3005% | 1,832 |
| Pretax return on assets | 1.3005% | 2,556 |
| Return on Equity (ROE) | 6.4809% | 3,883 |
| Retained earnings to average equity (ytd only) | -3.4421% | 4,990 |
| Net charge-offs to loans | 0.2681% | 626 |
| Credit loss provision to net charge-offs | 211.8644% | 1,157 |
| Earnings coverage of net charge-offs (x) | 9.7458% | 2,321 |
| Efficiency ratio | 82.0425% | 797 |
| Assets per employee ($millions) | 1.9457% | 5,215 |
| Cash dividends to net income (ytd only)* | 153.1111% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6256% | 190 |
| Loan loss allowance to noncurrent loans | 285.4447% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 1.7574% | 584 |
| Noncurrent loans to loans | 0.9198% | 1,782 |
| Net loans and leases to total assets | 56.0703% | 4,078 |
| Net loans and leases to deposits | 70.2996% | 3,816 |
| Net loans and leases to core deposits | 72.8313% | 3,957 |
| Total domestic deposits to total assets | 79.7590% | 4,079 |
| Equity capital to assets | 19.7927% | 253 |
| Core capital (leverage) ratio | 17.0787% | 420 |
| Tier 1 risk-based capital ratio | 20.6370% | 1,226 |
| Total risk-based capital ratio | 21.9102% | 1,197 |
| Memoranda: | ||
| Average total assets | $69,203,670 | 4,533 |
| Average earning assets | $61,995,330 | 4,569 |
| Average equity | $13,887,000 | 3,801 |
| Average total loans | $44,017,330 | 4,388 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0488% | 209 |
| Cost of funding earning assets | 0.4210% | 4,397 |
| Net interest margin | 5.6278% | 97 |
| Noninterest income to average assets | 4.3965% | 104 |
| Noninterest expense to average assets | 7.5194% | 93 |
| Loan and lease loss provision to assets | 0.2908% | 453 |
| Net operating income to assets | 1.6400% | 827 |
| Return on assets (ROA) | 1.6400% | 853 |
| Pretax return on assets | 1.6400% | 1,370 |
| Return on Equity (ROE) | 8.1160% | 3,211 |
| Retained earnings to average equity (ytd only) | -11.7135% | 5,151 |
| Net charge-offs to loans | -1.1688% | 5,314 |
| Credit loss provision to net charge-offs | -37.3134% | 3,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5692% | 1,101 |
| Assets per employee ($millions) | 1.8982% | 5,278 |
| Cash dividends to net income (ytd only)* | 244.3262% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6170% | 213 |
| Loan loss allowance to noncurrent loans | 87.5093% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.9961% | 494 |
| Noncurrent loans to loans | 2.9906% | 367 |
| Net loans and leases to total assets | 64.0940% | 3,275 |
| Net loans and leases to deposits | 80.5792% | 2,770 |
| Net loans and leases to core deposits | 83.5537% | 3,059 |
| Total domestic deposits to total assets | 79.5417% | 4,246 |
| Equity capital to assets | 20.0413% | 236 |
| Core capital (leverage) ratio | 16.9172% | 431 |
| Tier 1 risk-based capital ratio | 19.2345% | 1,496 |
| Total risk-based capital ratio | 20.5120% | 1,462 |
| Memoranda: | ||
| Average total assets | $68,782,500 | 4,588 |
| Average earning assets | $61,764,500 | 4,620 |
| Average equity | $13,898,500 | 3,817 |
| Average total loans | $45,859,000 | 4,391 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1570% | 136 |
| Cost of funding earning assets | 0.3278% | 4,426 |
| Net interest margin | 5.8292% | 76 |
| Noninterest income to average assets | 5.7614% | 88 |
| Noninterest expense to average assets | 8.2268% | 88 |
| Loan and lease loss provision to assets | 0.1150% | 1,917 |
| Net operating income to assets | 2.6107% | 121 |
| Return on assets (ROA) | 2.6107% | 121 |
| Pretax return on assets | 2.6107% | 167 |
| Return on Equity (ROE) | 12.9389% | 1,370 |
| Retained earnings to average equity (ytd only) | 9.2956% | 785 |
| Net charge-offs to loans | -0.0022% | 4,245 |
| Credit loss provision to net charge-offs | -7,600.0000% | 4,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1139% | 1,479 |
| Assets per employee ($millions) | 1.9780% | 5,314 |
| Cash dividends to net income (ytd only)* | 28.1576% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1244% | 383 |
| Loan loss allowance to noncurrent loans | 252.6718% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 2,247 |
| Noncurrent loans to loans | 0.8408% | 1,921 |
| Net loans and leases to total assets | 66.0831% | 3,120 |
| Net loans and leases to deposits | 83.4428% | 2,573 |
| Net loans and leases to core deposits | 86.0739% | 2,909 |
| Total domestic deposits to total assets | 79.1957% | 4,269 |
| Equity capital to assets | 20.3695% | 216 |
| Core capital (leverage) ratio | 17.7815% | 352 |
| Tier 1 risk-based capital ratio | 20.3759% | 1,248 |
| Total risk-based capital ratio | 21.6493% | 1,220 |
| Memoranda: | ||
| Average total assets | $66,112,800 | 4,653 |
| Average earning assets | $58,876,000 | 4,695 |
| Average equity | $13,339,600 | 3,836 |
| Average total loans | $45,147,600 | 4,433 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1327% | 131 |
| Cost of funding earning assets | 0.3127% | 4,427 |
| Net interest margin | 5.8200% | 77 |
| Noninterest income to average assets | 5.5754% | 89 |
| Noninterest expense to average assets | 7.6753% | 96 |
| Loan and lease loss provision to assets | -0.1918% | 5,393 |
| Net operating income to assets | 3.2571% | 66 |
| Return on assets (ROA) | 3.2571% | 65 |
| Pretax return on assets | 3.2571% | 88 |
| Return on Equity (ROE) | 16.1834% | 668 |
| Retained earnings to average equity (ytd only) | 11.2553% | 598 |
| Net charge-offs to loans | -0.4112% | 5,384 |
| Credit loss provision to net charge-offs | 68.1159% | 2,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4611% | 1,968 |
| Assets per employee ($millions) | 1.9333% | 5,383 |
| Cash dividends to net income (ytd only)* | 30.4509% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0262% | 464 |
| Loan loss allowance to noncurrent loans | 190.0990% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 1,988 |
| Noncurrent loans to loans | 1.0659% | 1,601 |
| Net loans and leases to total assets | 68.6012% | 2,850 |
| Net loans and leases to deposits | 86.6738% | 2,297 |
| Net loans and leases to core deposits | 88.6366% | 2,782 |
| Total domestic deposits to total assets | 79.1487% | 4,290 |
| Equity capital to assets | 20.4596% | 213 |
| Core capital (leverage) ratio | 18.0713% | 325 |
| Tier 1 risk-based capital ratio | 21.2621% | 1,147 |
| Total risk-based capital ratio | 22.5387% | 1,125 |
| Memoranda: | ||
| Average total assets | $65,333,250 | 4,716 |
| Average earning assets | $57,982,500 | 4,760 |
| Average equity | $13,149,000 | 3,896 |
| Average total loans | $44,748,750 | 4,490 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2100% | 111 |
| Cost of funding earning assets | 0.3074% | 4,373 |
| Net interest margin | 5.9027% | 76 |
| Noninterest income to average assets | 5.3039% | 93 |
| Noninterest expense to average assets | 7.8103% | 94 |
| Loan and lease loss provision to assets | -0.2912% | 5,491 |
| Net operating income to assets | 3.0206% | 81 |
| Return on assets (ROA) | 3.0206% | 81 |
| Pretax return on assets | 3.0206% | 111 |
| Return on Equity (ROE) | 15.0960% | 823 |
| Retained earnings to average equity (ytd only) | 7.5712% | 1,810 |
| Net charge-offs to loans | -0.7203% | 5,468 |
| Credit loss provision to net charge-offs | 59.4937% | 2,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1035% | 1,696 |
| Assets per employee ($millions) | 1.8121% | 5,460 |
| Cash dividends to net income (ytd only)* | 49.8462% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1610% | 402 |
| Loan loss allowance to noncurrent loans | 161.1842% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.1512% | 1,267 |
| Noncurrent loans to loans | 1.3407% | 1,268 |
| Net loans and leases to total assets | 68.0167% | 2,867 |
| Net loans and leases to deposits | 85.6729% | 2,354 |
| Net loans and leases to core deposits | 86.9523% | 2,826 |
| Total domestic deposits to total assets | 79.3911% | 4,366 |
| Equity capital to assets | 20.2701% | 215 |
| Core capital (leverage) ratio | 17.3167% | 363 |
| Tier 1 risk-based capital ratio | 20.9857% | 1,176 |
| Total risk-based capital ratio | 22.2653% | 1,144 |
| Memoranda: | ||
| Average total assets | $64,556,000 | 4,786 |
| Average earning assets | $57,262,330 | 4,832 |
| Average equity | $12,917,330 | 3,941 |
| Average total loans | $43,872,000 | 4,547 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5677% | 77 |
| Cost of funding earning assets | 0.3094% | 4,272 |
| Net interest margin | 6.2583% | 55 |
| Noninterest income to average assets | 4.1733% | 116 |
| Noninterest expense to average assets | 7.1445% | 110 |
| Loan and lease loss provision to assets | -0.8347% | 5,591 |
| Net operating income to assets | 3.4072% | 65 |
| Return on assets (ROA) | 3.4072% | 65 |
| Pretax return on assets | 3.4072% | 85 |
| Return on Equity (ROE) | 17.1413% | 495 |
| Retained earnings to average equity (ytd only) | 1.9116% | 4,379 |
| Net charge-offs to loans | -2.1051% | 5,562 |
| Credit loss provision to net charge-offs | 59.0308% | 1,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5256% | 1,961 |
| Assets per employee ($millions) | 1.8359% | 5,519 |
| Cash dividends to net income (ytd only)* | 88.8483% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4121% | 279 |
| Loan loss allowance to noncurrent loans | 315.3125% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.7206% | 2,159 |
| Noncurrent loans to loans | 0.7650% | 2,288 |
| Net loans and leases to total assets | 63.5297% | 3,368 |
| Net loans and leases to deposits | 79.6445% | 2,851 |
| Net loans and leases to core deposits | 80.8449% | 3,258 |
| Total domestic deposits to total assets | 79.7666% | 4,452 |
| Equity capital to assets | 19.9128% | 218 |
| Core capital (leverage) ratio | 16.8535% | 400 |
| Tier 1 risk-based capital ratio | 21.3321% | 1,150 |
| Total risk-based capital ratio | 22.6185% | 1,120 |
| Memoranda: | ||
| Average total assets | $64,217,000 | 4,846 |
| Average earning assets | $56,884,500 | 4,895 |
| Average equity | $12,764,500 | 4,001 |
| Average total loans | $43,133,000 | 4,608 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6352% | 216 |
| Cost of funding earning assets | 0.3056% | 4,080 |
| Net interest margin | 5.3296% | 138 |
| Noninterest income to average assets | 5.5602% | 97 |
| Noninterest expense to average assets | 8.5637% | 83 |
| Loan and lease loss provision to assets | 0.2793% | 637 |
| Net operating income to assets | 1.4204% | 974 |
| Return on assets (ROA) | 1.4204% | 993 |
| Pretax return on assets | 1.4204% | 1,925 |
| Return on Equity (ROE) | 7.2678% | 3,141 |
| Retained earnings to average equity (ytd only) | 2.0415% | 4,095 |
| Net charge-offs to loans | 0.2619% | 994 |
| Credit loss provision to net charge-offs | 147.0588% | 1,810 |
| Earnings coverage of net charge-offs (x) | 8.9496% | 2,848 |
| Efficiency ratio | 83.0664% | 849 |
| Assets per employee ($millions) | 1.9448% | 5,575 |
| Cash dividends to net income (ytd only)* | 71.9101% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0614% | 480 |
| Loan loss allowance to noncurrent loans | 376.9547% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 2,542 |
| Noncurrent loans to loans | 0.5469% | 2,861 |
| Net loans and leases to total assets | 67.8103% | 2,847 |
| Net loans and leases to deposits | 84.9602% | 2,379 |
| Net loans and leases to core deposits | 86.2414% | 2,894 |
| Total domestic deposits to total assets | 79.8143% | 4,374 |
| Equity capital to assets | 19.8414% | 214 |
| Core capital (leverage) ratio | 16.4877% | 417 |
| Tier 1 risk-based capital ratio | 19.5351% | 1,409 |
| Total risk-based capital ratio | 20.8166% | 1,375 |
| Memoranda: | ||
| Average total assets | $62,659,800 | 4,913 |
| Average earning assets | $55,295,200 | 4,968 |
| Average equity | $12,245,800 | 4,104 |
| Average total loans | $45,431,800 | 4,580 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5895% | 224 |
| Cost of funding earning assets | 0.3011% | 4,117 |
| Net interest margin | 5.2884% | 148 |
| Noninterest income to average assets | 5.2407% | 108 |
| Noninterest expense to average assets | 8.1094% | 96 |
| Loan and lease loss provision to assets | 0.3746% | 385 |
| Net operating income to assets | 1.4194% | 1,050 |
| Return on assets (ROA) | 1.4194% | 1,076 |
| Pretax return on assets | 1.4194% | 2,064 |
| Return on Equity (ROE) | 7.2913% | 3,496 |
| Retained earnings to average equity (ytd only) | 0.2530% | 5,160 |
| Net charge-offs to loans | 0.2306% | 939 |
| Credit loss provision to net charge-offs | 221.5190% | 1,249 |
| Earnings coverage of net charge-offs (x) | 10.6077% | 2,580 |
| Efficiency ratio | 81.3662% | 969 |
| Assets per employee ($millions) | 1.8187% | 5,648 |
| Cash dividends to net income (ytd only)* | 96.5305% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0687% | 501 |
| Loan loss allowance to noncurrent loans | 241.4141% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 2,648 |
| Noncurrent loans to loans | 0.8569% | 2,225 |
| Net loans and leases to total assets | 71.0996% | 2,390 |
| Net loans and leases to deposits | 88.5448% | 1,982 |
| Net loans and leases to core deposits | 90.3405% | 2,577 |
| Total domestic deposits to total assets | 80.2979% | 4,258 |
| Equity capital to assets | 19.4303% | 250 |
| Core capital (leverage) ratio | 16.2448% | 461 |
| Tier 1 risk-based capital ratio | 18.9344% | 1,605 |
| Total risk-based capital ratio | 20.2177% | 1,556 |
| Memoranda: | ||
| Average total assets | $62,280,000 | 4,973 |
| Average earning assets | $54,911,000 | 5,030 |
| Average equity | $12,123,750 | 4,156 |
| Average total loans | $45,680,750 | 4,619 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5744% | 222 |
| Cost of funding earning assets | 0.3013% | 4,065 |
| Net interest margin | 5.2731% | 149 |
| Noninterest income to average assets | 5.2376% | 111 |
| Noninterest expense to average assets | 7.4666% | 112 |
| Loan and lease loss provision to assets | 0.5661% | 197 |
| Net operating income to assets | 1.8472% | 414 |
| Return on assets (ROA) | 1.8505% | 423 |
| Pretax return on assets | 1.8505% | 745 |
| Return on Equity (ROE) | 9.4998% | 2,274 |
| Retained earnings to average equity (ytd only) | -1.1293% | 5,251 |
| Net charge-offs to loans | 0.1670% | 1,164 |
| Credit loss provision to net charge-offs | 460.5263% | 706 |
| Earnings coverage of net charge-offs (x) | 19.6316% | 1,822 |
| Efficiency ratio | 74.7872% | 1,881 |
| Assets per employee ($millions) | 1.9500% | 5,679 |
| Cash dividends to net income (ytd only)* | 111.8881% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2091% | 430 |
| Loan loss allowance to noncurrent loans | 204.3033% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.7821% | 2,254 |
| Noncurrent loans to loans | 1.0813% | 1,816 |
| Net loans and leases to total assets | 70.7276% | 2,411 |
| Net loans and leases to deposits | 88.2627% | 1,954 |
| Net loans and leases to core deposits | 90.0878% | 2,516 |
| Total domestic deposits to total assets | 80.1330% | 4,380 |
| Equity capital to assets | 19.6731% | 234 |
| Core capital (leverage) ratio | 16.5920% | 409 |
| Tier 1 risk-based capital ratio | 19.1293% | 1,572 |
| Total risk-based capital ratio | 20.4155% | 1,504 |
| Memoranda: | ||
| Average total assets | $61,822,330 | 5,022 |
| Average earning assets | $54,427,330 | 5,078 |
| Average equity | $12,042,330 | 4,180 |
| Average total loans | $45,503,330 | 4,648 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4125% | 266 |
| Cost of funding earning assets | 0.2732% | 4,321 |
| Net interest margin | 5.1393% | 173 |
| Noninterest income to average assets | 3.7118% | 160 |
| Noninterest expense to average assets | 8.6587% | 87 |
| Loan and lease loss provision to assets | 0.8776% | 105 |
| Net operating income to assets | -1.3001% | 5,791 |
| Return on assets (ROA) | -1.3001% | 5,793 |
| Pretax return on assets | -1.3001% | 5,788 |
| Return on Equity (ROE) | -6.7083% | 5,755 |
| Retained earnings to average equity (ytd only) | -28.1749% | 5,786 |
| Net charge-offs to loans | 0.4465% | 411 |
| Credit loss provision to net charge-offs | 264.7059% | 853 |
| Earnings coverage of net charge-offs (x) | -1.2745% | 2,880 |
| Efficiency ratio | 103.7096% | 179 |
| Assets per employee ($millions) | 1.8823% | 5,753 |
| Cash dividends to net income (ytd only)* | -320.0000% | 5,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0961% | 560 |
| Loan loss allowance to noncurrent loans | 410.8696% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 3,721 |
| Noncurrent loans to loans | 0.5102% | 3,285 |
| Net loans and leases to total assets | 71.0601% | 2,208 |
| Net loans and leases to deposits | 87.3780% | 1,874 |
| Net loans and leases to core deposits | 89.1625% | 2,437 |
| Total domestic deposits to total assets | 81.3250% | 4,338 |
| Equity capital to assets | 18.5221% | 276 |
| Core capital (leverage) ratio | 15.2093% | 567 |
| Tier 1 risk-based capital ratio | 17.6745% | 1,985 |
| Total risk-based capital ratio | 18.9605% | 1,929 |
| Memoranda: | ||
| Average total assets | $61,533,500 | 5,083 |
| Average earning assets | $54,171,000 | 5,134 |
| Average equity | $11,925,500 | 4,226 |
| Average total loans | $45,689,500 | 4,684 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8153% | 163 |
| Cost of funding earning assets | 0.2718% | 4,344 |
| Net interest margin | 5.5434% | 103 |
| Noninterest income to average assets | 6.1391% | 97 |
| Noninterest expense to average assets | 8.0627% | 103 |
| Loan and lease loss provision to assets | 0.2850% | 687 |
| Net operating income to assets | 2.6520% | 116 |
| Return on assets (ROA) | 2.6520% | 119 |
| Pretax return on assets | 2.6520% | 162 |
| Return on Equity (ROE) | 13.7148% | 821 |
| Retained earnings to average equity (ytd only) | 9.4047% | 512 |
| Net charge-offs to loans | 0.4362% | 589 |
| Credit loss provision to net charge-offs | 81.4286% | 2,955 |
| Earnings coverage of net charge-offs (x) | 8.3905% | 2,877 |
| Efficiency ratio | 72.2079% | 2,561 |
| Assets per employee ($millions) | 1.9048% | 5,806 |
| Cash dividends to net income (ytd only)* | 31.4268% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 862 |
| Loan loss allowance to noncurrent loans | 120.9270% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.1681% | 1,562 |
| Noncurrent loans to loans | 1.5380% | 1,301 |
| Net loans and leases to total assets | 74.5406% | 1,764 |
| Net loans and leases to deposits | 93.7479% | 1,221 |
| Net loans and leases to core deposits | 110.8092% | 844 |
| Total domestic deposits to total assets | 79.5117% | 4,677 |
| Equity capital to assets | 20.2553% | 200 |
| Core capital (leverage) ratio | 17.7813% | 298 |
| Tier 1 risk-based capital ratio | 19.8170% | 1,414 |
| Total risk-based capital ratio | 21.0846% | 1,374 |
| Memoranda: | ||
| Average total assets | $59,992,400 | 5,143 |
| Average earning assets | $52,602,800 | 5,193 |
| Average equity | $11,600,600 | 4,318 |
| Average total loans | $48,139,000 | 4,631 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8570% | 148 |
| Cost of funding earning assets | 0.2728% | 4,358 |
| Net interest margin | 5.5842% | 99 |
| Noninterest income to average assets | 6.6361% | 92 |
| Noninterest expense to average assets | 7.4215% | 120 |
| Loan and lease loss provision to assets | 0.3347% | 489 |
| Net operating income to assets | 3.7666% | 55 |
| Return on assets (ROA) | 3.7666% | 56 |
| Pretax return on assets | 3.7666% | 80 |
| Return on Equity (ROE) | 19.7175% | 257 |
| Retained earnings to average equity (ytd only) | 13.8770% | 179 |
| Net charge-offs to loans | 0.5926% | 351 |
| Credit loss provision to net charge-offs | 69.4444% | 2,800 |
| Earnings coverage of net charge-offs (x) | 8.5094% | 2,756 |
| Efficiency ratio | 63.3617% | 4,021 |
| Assets per employee ($millions) | 1.9007% | 5,871 |
| Cash dividends to net income (ytd only)* | 29.6209% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7055% | 1,211 |
| Loan loss allowance to noncurrent loans | 134.1385% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.0998% | 1,850 |
| Noncurrent loans to loans | 1.2714% | 1,762 |
| Net loans and leases to total assets | 81.4806% | 689 |
| Net loans and leases to deposits | 103.0833% | 498 |
| Net loans and leases to core deposits | 109.7071% | 937 |
| Total domestic deposits to total assets | 79.0435% | 4,713 |
| Equity capital to assets | 20.7444% | 208 |
| Core capital (leverage) ratio | 17.6220% | 325 |
| Tier 1 risk-based capital ratio | 18.4116% | 1,807 |
| Total risk-based capital ratio | 19.6853% | 1,765 |
| Memoranda: | ||
| Average total assets | $59,752,500 | 5,191 |
| Average earning assets | $52,289,000 | 5,248 |
| Average equity | $11,414,250 | 4,392 |
| Average total loans | $48,600,000 | 4,656 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0683% | 118 |
| Cost of funding earning assets | 0.2698% | 4,440 |
| Net interest margin | 5.7985% | 84 |
| Noninterest income to average assets | 6.3036% | 94 |
| Noninterest expense to average assets | 7.5663% | 119 |
| Loan and lease loss provision to assets | 0.4998% | 264 |
| Net operating income to assets | 3.3217% | 78 |
| Return on assets (ROA) | 3.3217% | 78 |
| Pretax return on assets | 3.3217% | 101 |
| Return on Equity (ROE) | 17.8920% | 366 |
| Retained earnings to average equity (ytd only) | 8.9191% | 874 |
| Net charge-offs to loans | 0.7090% | 296 |
| Credit loss provision to net charge-offs | 87.2093% | 2,283 |
| Earnings coverage of net charge-offs (x) | 6.6686% | 2,719 |
| Efficiency ratio | 65.3891% | 3,776 |
| Assets per employee ($millions) | 1.8818% | 5,953 |
| Cash dividends to net income (ytd only)* | 50.1505% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9340% | 845 |
| Loan loss allowance to noncurrent loans | 166.4137% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.9200% | 2,318 |
| Noncurrent loans to loans | 1.1622% | 1,973 |
| Net loans and leases to total assets | 73.8479% | 1,873 |
| Net loans and leases to deposits | 91.7719% | 1,543 |
| Net loans and leases to core deposits | 100.7317% | 1,584 |
| Total domestic deposits to total assets | 80.4690% | 4,422 |
| Equity capital to assets | 19.1507% | 254 |
| Core capital (leverage) ratio | 16.1042% | 454 |
| Tier 1 risk-based capital ratio | 18.7950% | 1,740 |
| Total risk-based capital ratio | 20.0628% | 1,696 |
| Memoranda: | ||
| Average total assets | $60,029,330 | 5,238 |
| Average earning assets | $52,634,000 | 5,297 |
| Average equity | $11,144,670 | 4,470 |
| Average total loans | $48,519,000 | 4,696 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8471% | 150 |
| Cost of funding earning assets | 0.2509% | 4,697 |
| Net interest margin | 5.5962% | 97 |
| Noninterest income to average assets | 4.6450% | 134 |
| Noninterest expense to average assets | 7.0075% | 141 |
| Loan and lease loss provision to assets | 0.3337% | 451 |
| Net operating income to assets | 2.2157% | 222 |
| Return on assets (ROA) | 2.2157% | 236 |
| Pretax return on assets | 2.2157% | 368 |
| Return on Equity (ROE) | 12.1267% | 1,280 |
| Retained earnings to average equity (ytd only) | -6.1364% | 5,671 |
| Net charge-offs to loans | 0.9021% | 217 |
| Credit loss provision to net charge-offs | 44.2478% | 2,104 |
| Earnings coverage of net charge-offs (x) | 3.3805% | 2,550 |
| Efficiency ratio | 72.0670% | 2,792 |
| Assets per employee ($millions) | 1.9407% | 6,004 |
| Cash dividends to net income (ytd only)* | 150.6024% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 1,593 |
| Loan loss allowance to noncurrent loans | 139.1015% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 1.1236% | 1,969 |
| Noncurrent loans to loans | 1.1531% | 2,097 |
| Net loans and leases to total assets | 85.2434% | 278 |
| Net loans and leases to deposits | 104.2950% | 397 |
| Net loans and leases to core deposits | 122.9561% | 389 |
| Total domestic deposits to total assets | 81.7330% | 4,300 |
| Equity capital to assets | 18.0626% | 320 |
| Core capital (leverage) ratio | 15.4544% | 539 |
| Tier 1 risk-based capital ratio | 15.9402% | 2,709 |
| Total risk-based capital ratio | 17.2049% | 2,648 |
| Memoranda: | ||
| Average total assets | $59,935,500 | 5,290 |
| Average earning assets | $52,607,500 | 5,349 |
| Average equity | $10,951,000 | 4,520 |
| Average total loans | $50,105,500 | 4,673 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7982% | 173 |
| Cost of funding earning assets | 0.2835% | 4,437 |
| Net interest margin | 5.5146% | 116 |
| Noninterest income to average assets | 5.7081% | 114 |
| Noninterest expense to average assets | 8.2165% | 102 |
| Loan and lease loss provision to assets | 0.3201% | 514 |
| Net operating income to assets | 1.8964% | 409 |
| Return on assets (ROA) | 1.8964% | 418 |
| Pretax return on assets | 1.8964% | 661 |
| Return on Equity (ROE) | 9.8797% | 2,054 |
| Retained earnings to average equity (ytd only) | 6.6911% | 1,445 |
| Net charge-offs to loans | 0.5790% | 422 |
| Credit loss provision to net charge-offs | 65.8915% | 3,186 |
| Earnings coverage of net charge-offs (x) | 4.5620% | 3,525 |
| Efficiency ratio | 77.4549% | 2,054 |
| Assets per employee ($millions) | 1.9903% | 6,052 |
| Cash dividends to net income (ytd only)* | 32.2741% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 1,008 |
| Loan loss allowance to noncurrent loans | 126.4045% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.4135% | 1,478 |
| Noncurrent loans to loans | 1.4806% | 1,569 |
| Net loans and leases to total assets | 79.0346% | 983 |
| Net loans and leases to deposits | 97.4819% | 864 |
| Net loans and leases to core deposits | 115.2465% | 626 |
| Total domestic deposits to total assets | 81.0762% | 4,461 |
| Equity capital to assets | 18.4816% | 280 |
| Core capital (leverage) ratio | 17.1411% | 348 |
| Tier 1 risk-based capital ratio | 17.4621% | 2,136 |
| Total risk-based capital ratio | 18.7238% | 2,081 |
| Memoranda: | ||
| Average total assets | $53,100,200 | 5,482 |
| Average earning assets | $45,497,000 | 5,543 |
| Average equity | $10,192,600 | 4,624 |
| Average total loans | $44,562,800 | 4,847 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9589% | 138 |
| Cost of funding earning assets | 0.2738% | 4,623 |
| Net interest margin | 5.6852% | 94 |
| Noninterest income to average assets | 5.7817% | 112 |
| Noninterest expense to average assets | 7.7668% | 119 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.8585% | 100 |
| Return on assets (ROA) | 2.8585% | 101 |
| Pretax return on assets | 2.8585% | 139 |
| Return on Equity (ROE) | 14.7328% | 764 |
| Retained earnings to average equity (ytd only) | 10.3918% | 572 |
| Net charge-offs to loans | 0.6074% | 371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.5426% | 3,189 |
| Efficiency ratio | 71.7805% | 2,920 |
| Assets per employee ($millions) | 1.8243% | 6,160 |
| Cash dividends to net income (ytd only)* | 29.4649% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 1,516 |
| Loan loss allowance to noncurrent loans | 162.8099% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.1255% | 2,116 |
| Noncurrent loans to loans | 1.0332% | 2,406 |
| Net loans and leases to total assets | 84.1547% | 374 |
| Net loans and leases to deposits | 113.1038% | 186 |
| Net loans and leases to core deposits | 117.9920% | 530 |
| Total domestic deposits to total assets | 74.4048% | 5,674 |
| Equity capital to assets | 20.0607% | 231 |
| Core capital (leverage) ratio | 18.0679% | 296 |
| Tier 1 risk-based capital ratio | 17.7284% | 2,109 |
| Total risk-based capital ratio | 18.9885% | 2,072 |
| Memoranda: | ||
| Average total assets | $51,448,250 | 5,585 |
| Average earning assets | $43,832,250 | 5,658 |
| Average equity | $9,982,000 | 4,727 |
| Average total loans | $43,681,000 | 4,922 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9940% | 134 |
| Cost of funding earning assets | 0.2910% | 4,496 |
| Net interest margin | 5.7030% | 93 |
| Noninterest income to average assets | 5.3103% | 123 |
| Noninterest expense to average assets | 7.2406% | 138 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.8955% | 100 |
| Return on assets (ROA) | 2.8955% | 102 |
| Pretax return on assets | 2.8955% | 146 |
| Return on Equity (ROE) | 15.1093% | 715 |
| Retained earnings to average equity (ytd only) | 8.3733% | 1,130 |
| Net charge-offs to loans | 0.1126% | 1,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 30.3750% | 1,356 |
| Efficiency ratio | 70.0235% | 3,326 |
| Assets per employee ($millions) | 1.7932% | 6,239 |
| Cash dividends to net income (ytd only)* | 44.5816% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0754% | 887 |
| Loan loss allowance to noncurrent loans | 190.1186% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 1.1860% | 2,141 |
| Noncurrent loans to loans | 1.0916% | 2,468 |
| Net loans and leases to total assets | 84.3762% | 348 |
| Net loans and leases to deposits | 112.6859% | 207 |
| Net loans and leases to core deposits | 117.6085% | 539 |
| Total domestic deposits to total assets | 74.8773% | 5,719 |
| Equity capital to assets | 19.7152% | 237 |
| Core capital (leverage) ratio | 18.1244% | 278 |
| Tier 1 risk-based capital ratio | 17.0212% | 2,395 |
| Total risk-based capital ratio | 18.2896% | 2,333 |
| Memoranda: | ||
| Average total assets | $50,354,670 | 5,662 |
| Average earning assets | $42,609,000 | 5,752 |
| Average equity | $9,649,670 | 4,809 |
| Average total loans | $42,626,330 | 5,004 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8460% | 160 |
| Cost of funding earning assets | 0.3046% | 4,391 |
| Net interest margin | 5.5414% | 116 |
| Noninterest income to average assets | 4.8526% | 134 |
| Noninterest expense to average assets | 6.7278% | 160 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.7635% | 102 |
| Return on assets (ROA) | 2.7635% | 112 |
| Pretax return on assets | 2.7635% | 172 |
| Return on Equity (ROE) | 14.6541% | 761 |
| Retained earnings to average equity (ytd only) | 14.6541% | 313 |
| Net charge-offs to loans | 0.2944% | 811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 1,880 |
| Efficiency ratio | 69.3241% | 3,607 |
| Assets per employee ($millions) | 1.7402% | 6,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3637% | 649 |
| Loan loss allowance to noncurrent loans | 216.7421% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 1.1780% | 2,282 |
| Noncurrent loans to loans | 1.0906% | 2,581 |
| Net loans and leases to total assets | 81.2129% | 549 |
| Net loans and leases to deposits | 103.9646% | 369 |
| Net loans and leases to core deposits | 110.2963% | 735 |
| Total domestic deposits to total assets | 78.1160% | 5,424 |
| Equity capital to assets | 19.1688% | 259 |
| Core capital (leverage) ratio | 16.0368% | 455 |
| Tier 1 risk-based capital ratio | 15.9393% | 2,949 |
| Total risk-based capital ratio | 17.1993% | 2,889 |
| Memoranda: | ||
| Average total assets | $48,634,000 | 5,756 |
| Average earning assets | $40,711,500 | 5,844 |
| Average equity | $9,171,500 | 4,948 |
| Average total loans | $40,763,000 | 5,116 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6258% | 263 |
| Cost of funding earning assets | 0.3048% | 4,744 |
| Net interest margin | 5.3210% | 178 |
| Noninterest income to average assets | 5.6094% | 110 |
| Noninterest expense to average assets | 8.8987% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0795% | 2,056 |
| Return on assets (ROA) | 1.0795% | 2,110 |
| Pretax return on assets | 1.0795% | 3,167 |
| Return on Equity (ROE) | 5.8088% | 4,255 |
| Retained earnings to average equity (ytd only) | 1.5292% | 5,064 |
| Net charge-offs to loans | 0.6413% | 609 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.1208% | 4,240 |
| Efficiency ratio | 87.6514% | 1,021 |
| Assets per employee ($millions) | 1.6739% | 6,412 |
| Cash dividends to net income (ytd only)* | 73.6739% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4075% | 619 |
| Loan loss allowance to noncurrent loans | 166.1616% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 1.4956% | 1,828 |
| Noncurrent loans to loans | 1.4489% | 2,029 |
| Net loans and leases to total assets | 82.4218% | 482 |
| Net loans and leases to deposits | 101.5843% | 535 |
| Net loans and leases to core deposits | 107.5480% | 923 |
| Total domestic deposits to total assets | 81.1363% | 4,702 |
| Equity capital to assets | 18.5464% | 287 |
| Core capital (leverage) ratio | 16.5540% | 408 |
| Tier 1 risk-based capital ratio | 17.5254% | 2,306 |
| Total risk-based capital ratio | 18.7900% | 2,267 |
| Memoranda: | ||
| Average total assets | $47,153,200 | 5,854 |
| Average earning assets | $38,714,800 | 5,962 |
| Average equity | $8,762,600 | 5,032 |
| Average total loans | $37,423,000 | 5,280 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3526% | 411 |
| Cost of funding earning assets | 0.3073% | 4,816 |
| Net interest margin | 5.0454% | 272 |
| Noninterest income to average assets | 6.4748% | 97 |
| Noninterest expense to average assets | 8.5942% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9968% | 346 |
| Return on assets (ROA) | 1.9968% | 362 |
| Pretax return on assets | 1.9968% | 578 |
| Return on Equity (ROE) | 10.7399% | 1,893 |
| Retained earnings to average equity (ytd only) | 4.9947% | 3,083 |
| Net charge-offs to loans | 0.7190% | 482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.5584% | 3,638 |
| Efficiency ratio | 79.6934% | 1,963 |
| Assets per employee ($millions) | 1.6863% | 6,490 |
| Cash dividends to net income (ytd only)* | 53.4955% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8060% | 437 |
| Loan loss allowance to noncurrent loans | 135.5263% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 2.5397% | 1,024 |
| Noncurrent loans to loans | 2.0704% | 1,516 |
| Net loans and leases to total assets | 72.9531% | 1,691 |
| Net loans and leases to deposits | 89.8122% | 1,444 |
| Net loans and leases to core deposits | 92.8049% | 1,971 |
| Total domestic deposits to total assets | 81.2285% | 4,759 |
| Equity capital to assets | 18.5261% | 300 |
| Core capital (leverage) ratio | 16.8352% | 391 |
| Tier 1 risk-based capital ratio | 18.6727% | 1,996 |
| Total risk-based capital ratio | 19.9384% | 1,958 |
| Memoranda: | ||
| Average total assets | $46,805,750 | 5,938 |
| Average earning assets | $38,186,000 | 6,050 |
| Average equity | $8,702,500 | 5,086 |
| Average total loans | $36,529,500 | 5,362 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3964% | 372 |
| Cost of funding earning assets | 0.3140% | 4,837 |
| Net interest margin | 5.0824% | 246 |
| Noninterest income to average assets | 6.4286% | 96 |
| Noninterest expense to average assets | 8.8578% | 88 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7134% | 560 |
| Return on assets (ROA) | 1.7134% | 584 |
| Pretax return on assets | 1.7134% | 991 |
| Return on Equity (ROE) | 9.2039% | 2,502 |
| Retained earnings to average equity (ytd only) | 0.4660% | 5,559 |
| Net charge-offs to loans | 0.8665% | 427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,536 |
| Efficiency ratio | 82.3143% | 1,712 |
| Assets per employee ($millions) | 1.4663% | 6,578 |
| Cash dividends to net income (ytd only)* | 94.9367% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8089% | 467 |
| Loan loss allowance to noncurrent loans | 99.2572% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 3.0050% | 845 |
| Noncurrent loans to loans | 2.8299% | 1,063 |
| Net loans and leases to total assets | 78.8308% | 812 |
| Net loans and leases to deposits | 97.3677% | 710 |
| Net loans and leases to core deposits | 100.7628% | 1,223 |
| Total domestic deposits to total assets | 80.9620% | 4,994 |
| Equity capital to assets | 18.6565% | 285 |
| Core capital (leverage) ratio | 16.4368% | 417 |
| Tier 1 risk-based capital ratio | 18.6989% | 2,004 |
| Total risk-based capital ratio | 19.9487% | 1,967 |
| Memoranda: | ||
| Average total assets | $46,106,330 | 6,005 |
| Average earning assets | $37,580,670 | 6,127 |
| Average equity | $8,583,330 | 5,141 |
| Average total loans | $36,470,330 | 5,398 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2351% | 457 |
| Cost of funding earning assets | 0.3252% | 4,789 |
| Net interest margin | 4.9100% | 317 |
| Noninterest income to average assets | 3.7288% | 152 |
| Noninterest expense to average assets | 8.5867% | 96 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.8928% | 6,557 |
| Return on assets (ROA) | -0.8928% | 6,554 |
| Pretax return on assets | -0.8928% | 6,545 |
| Return on Equity (ROE) | -4.8011% | 6,459 |
| Retained earnings to average equity (ytd only) | -22.4523% | 6,557 |
| Net charge-offs to loans | -0.0785% | 6,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5563% | 278 |
| Assets per employee ($millions) | 1.6419% | 6,633 |
| Cash dividends to net income (ytd only)* | -367.6471% | 6,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5613% | 253 |
| Loan loss allowance to noncurrent loans | 135.9031% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 2.9386% | 984 |
| Noncurrent loans to loans | 2.6205% | 1,308 |
| Net loans and leases to total assets | 72.6846% | 1,466 |
| Net loans and leases to deposits | 89.1593% | 1,233 |
| Net loans and leases to core deposits | 90.3648% | 1,882 |
| Total domestic deposits to total assets | 81.5222% | 5,079 |
| Equity capital to assets | 17.9645% | 326 |
| Core capital (leverage) ratio | 15.7607% | 507 |
| Tier 1 risk-based capital ratio | 18.0894% | 2,260 |
| Total risk-based capital ratio | 19.3649% | 2,220 |
| Memoranda: | ||
| Average total assets | $45,698,500 | 6,078 |
| Average earning assets | $36,904,500 | 6,207 |
| Average equity | $8,498,000 | 5,182 |
| Average total loans | $35,676,500 | 5,472 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 771 |
| Cost of funding earning assets | 0.4025% | 4,622 |
| Net interest margin | 4.6905% | 515 |
| Noninterest income to average assets | 6.7307% | 97 |
| Noninterest expense to average assets | 8.8788% | 96 |
| Loan and lease loss provision to assets | 0.6153% | 401 |
| Net operating income to assets | 1.0696% | 2,038 |
| Return on assets (ROA) | 1.0696% | 2,120 |
| Pretax return on assets | 1.0696% | 3,075 |
| Return on Equity (ROE) | 5.7636% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.7636% | 2,126 |
| Net charge-offs to loans | 0.8417% | 733 |
| Credit loss provision to net charge-offs | 97.1731% | 2,562 |
| Earnings coverage of net charge-offs (x) | 2.6608% | 4,106 |
| Efficiency ratio | 82.5249% | 1,809 |
| Assets per employee ($millions) | 1.6223% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3431% | 330 |
| Loan loss allowance to noncurrent loans | 158.7322% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 2.9919% | 1,060 |
| Noncurrent loans to loans | 2.1061% | 1,879 |
| Net loans and leases to total assets | 78.1014% | 816 |
| Net loans and leases to deposits | 98.9264% | 543 |
| Net loans and leases to core deposits | 98.9264% | 1,236 |
| Total domestic deposits to total assets | 78.9490% | 5,661 |
| Equity capital to assets | 19.2347% | 247 |
| Core capital (leverage) ratio | 16.9090% | 382 |
| Tier 1 risk-based capital ratio | 18.3968% | 2,117 |
| Total risk-based capital ratio | 19.6481% | 2,074 |
| Memoranda: | ||
| Average total assets | $44,690,600 | 6,159 |
| Average earning assets | $36,520,800 | 6,271 |
| Average equity | $8,293,400 | 5,265 |
| Average total loans | $33,624,400 | 5,596 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0407% | 862 |
| Cost of funding earning assets | 0.4198% | 4,619 |
| Net interest margin | 4.6210% | 593 |
| Noninterest income to average assets | 6.8152% | 100 |
| Noninterest expense to average assets | 8.6815% | 101 |
| Loan and lease loss provision to assets | 0.8238% | 228 |
| Net operating income to assets | 1.1024% | 1,997 |
| Return on assets (ROA) | 1.1024% | 2,074 |
| Pretax return on assets | 1.1024% | 3,101 |
| Return on Equity (ROE) | 5.9963% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.9963% | 2,406 |
| Net charge-offs to loans | 0.9983% | 570 |
| Credit loss provision to net charge-offs | 111.7886% | 2,112 |
| Earnings coverage of net charge-offs (x) | 2.6138% | 3,967 |
| Efficiency ratio | 80.3163% | 2,051 |
| Assets per employee ($millions) | 1.5328% | 6,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9251% | 254 |
| Loan loss allowance to noncurrent loans | 143.1484% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 3.8423% | 841 |
| Noncurrent loans to loans | 2.7420% | 1,536 |
| Net loans and leases to total assets | 69.6009% | 2,031 |
| Net loans and leases to deposits | 86.5257% | 1,555 |
| Net loans and leases to core deposits | 86.5257% | 2,342 |
| Total domestic deposits to total assets | 80.4396% | 5,377 |
| Equity capital to assets | 19.1105% | 248 |
| Core capital (leverage) ratio | 16.7771% | 405 |
| Tier 1 risk-based capital ratio | 20.1963% | 1,685 |
| Total risk-based capital ratio | 21.4760% | 1,655 |
| Memoranda: | ||
| Average total assets | $44,507,500 | 6,237 |
| Average earning assets | $36,528,250 | 6,340 |
| Average equity | $8,182,500 | 5,342 |
| Average total loans | $32,854,750 | 5,687 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 1,224 |
| Cost of funding earning assets | 0.4446% | 4,489 |
| Net interest margin | 4.4022% | 841 |
| Noninterest income to average assets | 7.4563% | 90 |
| Noninterest expense to average assets | 9.1901% | 96 |
| Loan and lease loss provision to assets | 1.2352% | 131 |
| Net operating income to assets | 0.6783% | 3,915 |
| Return on assets (ROA) | 0.6783% | 4,077 |
| Pretax return on assets | 0.6783% | 4,750 |
| Return on Equity (ROE) | 3.7384% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.7384% | 3,921 |
| Net charge-offs to loans | 1.5119% | 346 |
| Credit loss provision to net charge-offs | 110.0000% | 2,010 |
| Earnings coverage of net charge-offs (x) | 1.7040% | 3,964 |
| Efficiency ratio | 81.3107% | 1,988 |
| Assets per employee ($millions) | 1.5594% | 6,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4185% | 398 |
| Loan loss allowance to noncurrent loans | 95.3823% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 4.4291% | 746 |
| Noncurrent loans to loans | 3.5840% | 1,157 |
| Net loans and leases to total assets | 78.7148% | 671 |
| Net loans and leases to deposits | 102.8309% | 304 |
| Net loans and leases to core deposits | 102.8309% | 895 |
| Total domestic deposits to total assets | 76.5479% | 6,189 |
| Equity capital to assets | 18.3155% | 298 |
| Core capital (leverage) ratio | 14.6581% | 675 |
| Tier 1 risk-based capital ratio | 16.3997% | 2,980 |
| Total risk-based capital ratio | 17.6488% | 2,944 |
| Memoranda: | ||
| Average total assets | $44,526,000 | 6,274 |
| Average earning assets | $36,890,670 | 6,374 |
| Average equity | $8,078,330 | 5,413 |
| Average total loans | $33,072,000 | 5,710 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 1,000 |
| Cost of funding earning assets | 0.4946% | 4,138 |
| Net interest margin | 4.4405% | 750 |
| Noninterest income to average assets | 4.9619% | 148 |
| Noninterest expense to average assets | 9.0092% | 99 |
| Loan and lease loss provision to assets | 2.4900% | 41 |
| Net operating income to assets | -2.8793% | 6,959 |
| Return on assets (ROA) | -2.8793% | 6,962 |
| Pretax return on assets | -2.8793% | 6,957 |
| Return on Equity (ROE) | -15.9478% | 6,873 |
| Retained earnings to average equity (ytd only) | -15.9478% | 6,769 |
| Net charge-offs to loans | 3.3997% | 95 |
| Credit loss provision to net charge-offs | 103.7736% | 1,778 |
| Earnings coverage of net charge-offs (x) | -0.1623% | 3,865 |
| Efficiency ratio | 102.6261% | 464 |
| Assets per employee ($millions) | 1.4402% | 6,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9317% | 301 |
| Loan loss allowance to noncurrent loans | 113.9067% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 4.1637% | 933 |
| Noncurrent loans to loans | 3.4517% | 1,396 |
| Net loans and leases to total assets | 70.4076% | 1,593 |
| Net loans and leases to deposits | 86.4331% | 1,300 |
| Net loans and leases to core deposits | 86.4331% | 2,067 |
| Total domestic deposits to total assets | 81.4590% | 5,375 |
| Equity capital to assets | 18.0897% | 327 |
| Core capital (leverage) ratio | 12.9557% | 1,134 |
| Tier 1 risk-based capital ratio | 16.0374% | 3,240 |
| Total risk-based capital ratio | 17.3183% | 3,187 |
| Memoranda: | ||
| Average total assets | $44,177,000 | 6,342 |
| Average earning assets | $36,392,000 | 6,452 |
| Average equity | $7,976,000 | 5,491 |
| Average total loans | $31,179,000 | 5,839 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4562% | 679 |
| Cost of funding earning assets | 0.5832% | 4,508 |
| Net interest margin | 4.8729% | 475 |
| Noninterest income to average assets | 7.5445% | 96 |
| Noninterest expense to average assets | 9.9884% | 82 |
| Loan and lease loss provision to assets | 1.3096% | 264 |
| Net operating income to assets | 0.2708% | 5,571 |
| Return on assets (ROA) | 0.2708% | 5,785 |
| Pretax return on assets | 0.2708% | 5,876 |
| Return on Equity (ROE) | 1.5686% | 6,005 |
| Retained earnings to average equity (ytd only) | -1.6458% | 6,111 |
| Net charge-offs to loans | 1.6271% | 519 |
| Credit loss provision to net charge-offs | 114.7860% | 2,528 |
| Earnings coverage of net charge-offs (x) | 1.3852% | 4,764 |
| Efficiency ratio | 84.9578% | 1,519 |
| Assets per employee ($millions) | 1.6124% | 6,974 |
| Cash dividends to net income (ytd only)* | 204.9180% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0238% | 283 |
| Loan loss allowance to noncurrent loans | 93.2779% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 4.4809% | 926 |
| Noncurrent loans to loans | 4.3138% | 1,020 |
| Net loans and leases to total assets | 65.2469% | 2,662 |
| Net loans and leases to deposits | 80.0571% | 2,274 |
| Net loans and leases to core deposits | 80.0571% | 2,993 |
| Total domestic deposits to total assets | 81.5004% | 5,260 |
| Equity capital to assets | 18.0211% | 329 |
| Core capital (leverage) ratio | 15.3984% | 520 |
| Tier 1 risk-based capital ratio | 19.6947% | 1,756 |
| Total risk-based capital ratio | 21.0036% | 1,710 |
| Memoranda: | ||
| Average total assets | $45,052,400 | 6,346 |
| Average earning assets | $37,205,600 | 6,464 |
| Average equity | $7,777,400 | 5,561 |
| Average total loans | $31,590,400 | 5,871 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2815% | 1,044 |
| Cost of funding earning assets | 0.6039% | 4,604 |
| Net interest margin | 4.6776% | 702 |
| Noninterest income to average assets | 5.1077% | 140 |
| Noninterest expense to average assets | 9.2353% | 91 |
| Loan and lease loss provision to assets | 0.9623% | 439 |
| Net operating income to assets | -1.2140% | 6,911 |
| Return on assets (ROA) | -1.2140% | 6,931 |
| Pretax return on assets | -1.2140% | 6,914 |
| Return on Equity (ROE) | -7.1107% | 6,788 |
| Retained earnings to average equity (ytd only) | -11.4465% | 6,851 |
| Net charge-offs to loans | 1.7769% | 449 |
| Credit loss provision to net charge-offs | 76.6509% | 3,716 |
| Earnings coverage of net charge-offs (x) | -0.2005% | 5,408 |
| Efficiency ratio | 101.0218% | 508 |
| Assets per employee ($millions) | 1.5853% | 7,073 |
| Cash dividends to net income (ytd only)* | -60.9769% | 7,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2480% | 577 |
| Loan loss allowance to noncurrent loans | 77.0909% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 4.5261% | 1,019 |
| Noncurrent loans to loans | 4.2133% | 1,174 |
| Net loans and leases to total assets | 71.1357% | 1,705 |
| Net loans and leases to deposits | 86.0659% | 1,595 |
| Net loans and leases to core deposits | 86.0659% | 2,454 |
| Total domestic deposits to total assets | 82.6526% | 4,778 |
| Equity capital to assets | 16.8540% | 483 |
| Core capital (leverage) ratio | 12.3555% | 1,468 |
| Tier 1 risk-based capital ratio | 14.9509% | 3,878 |
| Total risk-based capital ratio | 16.2251% | 3,815 |
| Memoranda: | ||
| Average total assets | $45,028,750 | 6,423 |
| Average earning assets | $37,312,000 | 6,536 |
| Average equity | $7,687,750 | 5,651 |
| Average total loans | $31,815,000 | 5,935 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1111% | 1,474 |
| Cost of funding earning assets | 0.6208% | 4,713 |
| Net interest margin | 4.4902% | 1,010 |
| Noninterest income to average assets | 4.7035% | 145 |
| Noninterest expense to average assets | 9.1507% | 93 |
| Loan and lease loss provision to assets | 0.7736% | 664 |
| Net operating income to assets | -1.5118% | 7,022 |
| Return on assets (ROA) | -1.5118% | 7,033 |
| Pretax return on assets | -1.5118% | 7,007 |
| Return on Equity (ROE) | -8.8182% | 6,880 |
| Retained earnings to average equity (ytd only) | -15.2643% | 6,938 |
| Net charge-offs to loans | 1.7691% | 500 |
| Credit loss provision to net charge-offs | 62.7240% | 3,729 |
| Earnings coverage of net charge-offs (x) | -0.5986% | 5,256 |
| Efficiency ratio | 106.8839% | 381 |
| Assets per employee ($millions) | 1.6200% | 7,130 |
| Cash dividends to net income (ytd only)* | -73.0994% | 7,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2986% | 591 |
| Loan loss allowance to noncurrent loans | 71.0916% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 5.8276% | 746 |
| Noncurrent loans to loans | 4.6400% | 1,123 |
| Net loans and leases to total assets | 70.7087% | 1,787 |
| Net loans and leases to deposits | 85.9995% | 1,600 |
| Net loans and leases to core deposits | 85.9995% | 2,426 |
| Total domestic deposits to total assets | 82.2199% | 5,051 |
| Equity capital to assets | 17.2542% | 415 |
| Core capital (leverage) ratio | 12.3067% | 1,444 |
| Tier 1 risk-based capital ratio | 14.7805% | 3,906 |
| Total risk-based capital ratio | 16.0380% | 3,870 |
| Memoranda: | ||
| Average total assets | $45,242,670 | 6,459 |
| Average earning assets | $37,370,000 | 6,577 |
| Average equity | $7,756,670 | 5,640 |
| Average total loans | $31,541,670 | 5,986 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8802% | 2,319 |
| Cost of funding earning assets | 0.6746% | 4,507 |
| Net interest margin | 4.2056% | 1,744 |
| Noninterest income to average assets | 4.0266% | 169 |
| Noninterest expense to average assets | 8.2446% | 108 |
| Loan and lease loss provision to assets | 1.9568% | 149 |
| Net operating income to assets | -2.7047% | 7,208 |
| Return on assets (ROA) | -2.7047% | 7,207 |
| Pretax return on assets | -2.7047% | 7,193 |
| Return on Equity (ROE) | -15.8240% | 7,072 |
| Retained earnings to average equity (ytd only) | -28.5442% | 7,121 |
| Net charge-offs to loans | 2.7202% | 288 |
| Credit loss provision to net charge-offs | 105.6338% | 2,187 |
| Earnings coverage of net charge-offs (x) | -0.4038% | 4,488 |
| Efficiency ratio | 107.8886% | 374 |
| Assets per employee ($millions) | 1.7361% | 7,182 |
| Cash dividends to net income (ytd only)* | -80.3859% | 7,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7024% | 463 |
| Loan loss allowance to noncurrent loans | 77.4983% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 5.1928% | 984 |
| Noncurrent loans to loans | 4.7774% | 1,195 |
| Net loans and leases to total assets | 67.4738% | 2,204 |
| Net loans and leases to deposits | 82.0678% | 1,930 |
| Net loans and leases to core deposits | 82.0678% | 2,826 |
| Total domestic deposits to total assets | 82.2172% | 5,223 |
| Equity capital to assets | 16.7948% | 460 |
| Core capital (leverage) ratio | 11.8682% | 1,665 |
| Tier 1 risk-based capital ratio | 14.7008% | 3,956 |
| Total risk-based capital ratio | 15.9764% | 3,898 |
| Memoranda: | ||
| Average total assets | $45,994,000 | 6,483 |
| Average earning assets | $37,949,500 | 6,606 |
| Average equity | $7,861,500 | 5,639 |
| Average total loans | $31,321,000 | 6,047 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0458% | 2,678 |
| Cost of funding earning assets | 1.0282% | 3,171 |
| Net interest margin | 4.0176% | 2,800 |
| Noninterest income to average assets | 10.4811% | 63 |
| Noninterest expense to average assets | 8.9761% | 88 |
| Loan and lease loss provision to assets | 2.5571% | 170 |
| Net operating income to assets | 2.3307% | 175 |
| Return on assets (ROA) | 2.3567% | 178 |
| Pretax return on assets | 2.3567% | 271 |
| Return on Equity (ROE) | 15.0576% | 732 |
| Retained earnings to average equity (ytd only) | 15.0576% | 124 |
| Net charge-offs to loans | 3.1665% | 282 |
| Credit loss provision to net charge-offs | 115.3707% | 2,828 |
| Earnings coverage of net charge-offs (x) | 2.2052% | 4,130 |
| Efficiency ratio | 63.7034% | 5,175 |
| Assets per employee ($millions) | 1.8019% | 7,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7370% | 450 |
| Loan loss allowance to noncurrent loans | 90.0544% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 4.7621% | 1,143 |
| Noncurrent loans to loans | 4.1497% | 1,483 |
| Net loans and leases to total assets | 63.7260% | 3,250 |
| Net loans and leases to deposits | 77.5918% | 2,902 |
| Net loans and leases to core deposits | 79.1805% | 3,553 |
| Total domestic deposits to total assets | 82.1298% | 5,086 |
| Equity capital to assets | 17.3792% | 402 |
| Core capital (leverage) ratio | 14.2596% | 765 |
| Tier 1 risk-based capital ratio | 18.8439% | 1,947 |
| Total risk-based capital ratio | 20.1183% | 1,895 |
| Memoranda: | ||
| Average total assets | $49,899,400 | 6,372 |
| Average earning assets | $42,015,400 | 6,462 |
| Average equity | $7,810,000 | 5,626 |
| Average total loans | $34,928,600 | 5,917 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0613% | 2,796 |
| Cost of funding earning assets | 1.0786% | 3,119 |
| Net interest margin | 3.9827% | 2,992 |
| Noninterest income to average assets | 11.6745% | 58 |
| Noninterest expense to average assets | 9.3638% | 82 |
| Loan and lease loss provision to assets | 1.8817% | 307 |
| Net operating income to assets | 3.8108% | 62 |
| Return on assets (ROA) | 3.8450% | 62 |
| Pretax return on assets | 3.8450% | 91 |
| Return on Equity (ROE) | 25.2097% | 123 |
| Retained earnings to average equity (ytd only) | 25.2097% | 37 |
| Net charge-offs to loans | 2.7143% | 382 |
| Credit loss provision to net charge-offs | 97.8112% | 3,498 |
| Earnings coverage of net charge-offs (x) | 2.9590% | 3,663 |
| Efficiency ratio | 61.2480% | 5,528 |
| Assets per employee ($millions) | 1.7874% | 7,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0647% | 824 |
| Loan loss allowance to noncurrent loans | 104.2872% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 3.8395% | 1,611 |
| Noncurrent loans to loans | 2.9387% | 2,371 |
| Net loans and leases to total assets | 63.7699% | 3,356 |
| Net loans and leases to deposits | 77.5898% | 3,070 |
| Net loans and leases to core deposits | 80.4601% | 3,569 |
| Total domestic deposits to total assets | 82.1885% | 5,017 |
| Equity capital to assets | 17.4696% | 441 |
| Core capital (leverage) ratio | 13.1800% | 1,159 |
| Tier 1 risk-based capital ratio | 16.6152% | 2,804 |
| Total risk-based capital ratio | 17.8841% | 2,757 |
| Memoranda: | ||
| Average total assets | $50,662,000 | 6,404 |
| Average earning assets | $43,018,500 | 6,481 |
| Average equity | $7,727,000 | 5,686 |
| Average total loans | $35,907,250 | 5,926 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 3,078 |
| Cost of funding earning assets | 1.1823% | 2,694 |
| Net interest margin | 3.8346% | 3,624 |
| Noninterest income to average assets | 11.7911% | 59 |
| Noninterest expense to average assets | 9.7897% | 77 |
| Loan and lease loss provision to assets | 2.0015% | 307 |
| Net operating income to assets | 3.2645% | 92 |
| Return on assets (ROA) | 3.3772% | 87 |
| Pretax return on assets | 3.3772% | 119 |
| Return on Equity (ROE) | 23.1971% | 193 |
| Retained earnings to average equity (ytd only) | 23.1971% | 65 |
| Net charge-offs to loans | 3.0300% | 340 |
| Credit loss provision to net charge-offs | 91.1504% | 3,424 |
| Earnings coverage of net charge-offs (x) | 2.3982% | 3,621 |
| Efficiency ratio | 64.0940% | 5,220 |
| Assets per employee ($millions) | 1.8794% | 7,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6177% | 1,293 |
| Loan loss allowance to noncurrent loans | 85.5971% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 4.0566% | 1,575 |
| Noncurrent loans to loans | 3.0582% | 2,367 |
| Net loans and leases to total assets | 74.3471% | 1,352 |
| Net loans and leases to deposits | 89.5830% | 1,323 |
| Net loans and leases to core deposits | 92.2443% | 2,098 |
| Total domestic deposits to total assets | 82.9924% | 4,759 |
| Equity capital to assets | 16.6840% | 519 |
| Core capital (leverage) ratio | 12.1588% | 1,524 |
| Tier 1 risk-based capital ratio | 15.1131% | 3,439 |
| Total risk-based capital ratio | 16.3799% | 3,396 |
| Memoranda: | ||
| Average total assets | $51,462,330 | 6,434 |
| Average earning assets | $43,811,330 | 6,516 |
| Average equity | $7,492,330 | 5,772 |
| Average total loans | $37,293,330 | 5,926 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9241% | 3,457 |
| Cost of funding earning assets | 1.4503% | 1,382 |
| Net interest margin | 3.4738% | 5,127 |
| Noninterest income to average assets | 14.6813% | 50 |
| Noninterest expense to average assets | 10.7037% | 70 |
| Loan and lease loss provision to assets | 1.5642% | 398 |
| Net operating income to assets | 5.3928% | 48 |
| Return on assets (ROA) | 5.4897% | 49 |
| Pretax return on assets | 5.4897% | 66 |
| Return on Equity (ROE) | 40.2787% | 43 |
| Retained earnings to average equity (ytd only) | 40.2787% | 34 |
| Net charge-offs to loans | 2.8944% | 378 |
| Credit loss provision to net charge-offs | 76.3636% | 3,226 |
| Earnings coverage of net charge-offs (x) | 3.3964% | 2,754 |
| Efficiency ratio | 59.8482% | 6,003 |
| Assets per employee ($millions) | 1.9390% | 7,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7434% | 1,162 |
| Loan loss allowance to noncurrent loans | 70.6963% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 4.0981% | 1,628 |
| Noncurrent loans to loans | 3.8805% | 1,893 |
| Net loans and leases to total assets | 64.9760% | 3,242 |
| Net loans and leases to deposits | 82.5134% | 2,270 |
| Net loans and leases to core deposits | 85.5163% | 2,951 |
| Total domestic deposits to total assets | 78.7460% | 6,249 |
| Equity capital to assets | 15.2458% | 714 |
| Core capital (leverage) ratio | 10.6461% | 2,476 |
| Tier 1 risk-based capital ratio | 15.0260% | 3,411 |
| Total risk-based capital ratio | 16.2920% | 3,363 |
| Memoranda: | ||
| Average total assets | $53,701,000 | 6,383 |
| Average earning assets | $46,059,000 | 6,486 |
| Average equity | $7,319,000 | 5,838 |
| Average total loans | $38,004,500 | 5,940 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4342% | 2,528 |
| Cost of funding earning assets | 1.8058% | 1,148 |
| Net interest margin | 3.6284% | 4,681 |
| Noninterest income to average assets | 5.6319% | 121 |
| Noninterest expense to average assets | 6.9185% | 162 |
| Loan and lease loss provision to assets | 1.8432% | 744 |
| Net operating income to assets | 0.0164% | 5,789 |
| Return on assets (ROA) | 0.0164% | 5,922 |
| Pretax return on assets | 0.0164% | 5,864 |
| Return on Equity (ROE) | 0.1365% | 5,929 |
| Retained earnings to average equity (ytd only) | 0.1365% | 5,516 |
| Net charge-offs to loans | 1.7297% | 1,252 |
| Credit loss provision to net charge-offs | 143.6700% | 2,598 |
| Earnings coverage of net charge-offs (x) | 1.4495% | 4,666 |
| Efficiency ratio | 77.3181% | 2,822 |
| Assets per employee ($millions) | 2.1918% | 7,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3342% | 1,640 |
| Loan loss allowance to noncurrent loans | 120.3410% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 3.0971% | 2,277 |
| Noncurrent loans to loans | 1.9396% | 3,649 |
| Net loans and leases to total assets | 72.5416% | 1,974 |
| Net loans and leases to deposits | 102.9511% | 445 |
| Net loans and leases to core deposits | 106.6233% | 1,146 |
| Total domestic deposits to total assets | 70.4622% | 7,213 |
| Equity capital to assets | 12.1991% | 1,792 |
| Core capital (leverage) ratio | 8.7206% | 4,979 |
| Tier 1 risk-based capital ratio | 11.4572% | 5,943 |
| Total risk-based capital ratio | 12.7430% | 5,916 |
| Memoranda: | ||
| Average total assets | $54,795,200 | 6,377 |
| Average earning assets | $47,513,800 | 6,453 |
| Average equity | $6,593,400 | 6,168 |
| Average total loans | $40,642,000 | 5,899 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5172% | 2,365 |
| Cost of funding earning assets | 1.8673% | 1,147 |
| Net interest margin | 3.6499% | 4,637 |
| Noninterest income to average assets | 4.7141% | 147 |
| Noninterest expense to average assets | 6.7984% | 161 |
| Loan and lease loss provision to assets | 2.1137% | 544 |
| Net operating income to assets | -1.0225% | 6,916 |
| Return on assets (ROA) | -1.0225% | 6,959 |
| Pretax return on assets | -1.0225% | 6,871 |
| Return on Equity (ROE) | -8.5282% | 6,860 |
| Retained earnings to average equity (ytd only) | -8.5282% | 6,803 |
| Net charge-offs to loans | 1.4486% | 1,401 |
| Credit loss provision to net charge-offs | 196.7963% | 1,815 |
| Earnings coverage of net charge-offs (x) | 1.0160% | 5,043 |
| Efficiency ratio | 84.4860% | 1,787 |
| Assets per employee ($millions) | 2.0922% | 7,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7760% | 1,021 |
| Loan loss allowance to noncurrent loans | 141.7202% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 3.2042% | 2,234 |
| Noncurrent loans to loans | 1.9588% | 3,737 |
| Net loans and leases to total assets | 71.0780% | 2,466 |
| Net loans and leases to deposits | 94.4062% | 1,155 |
| Net loans and leases to core deposits | 98.3567% | 2,010 |
| Total domestic deposits to total assets | 75.2895% | 6,770 |
| Equity capital to assets | 12.0464% | 2,132 |
| Core capital (leverage) ratio | 8.1026% | 6,192 |
| Tier 1 risk-based capital ratio | 10.4543% | 6,805 |
| Total risk-based capital ratio | 11.7085% | 6,796 |
| Memoranda: | ||
| Average total assets | $54,247,000 | 6,466 |
| Average earning assets | $47,196,500 | 6,549 |
| Average equity | $6,503,750 | 6,274 |
| Average total loans | $40,220,500 | 5,998 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5175% | 2,451 |
| Cost of funding earning assets | 1.8307% | 1,526 |
| Net interest margin | 3.6868% | 4,421 |
| Noninterest income to average assets | 3.9966% | 168 |
| Noninterest expense to average assets | 6.4469% | 180 |
| Loan and lease loss provision to assets | 1.4392% | 930 |
| Net operating income to assets | -0.6716% | 6,787 |
| Return on assets (ROA) | -0.6716% | 6,807 |
| Pretax return on assets | -0.6716% | 6,704 |
| Return on Equity (ROE) | -5.6109% | 6,751 |
| Retained earnings to average equity (ytd only) | -5.6109% | 6,624 |
| Net charge-offs to loans | 1.6547% | 1,143 |
| Credit loss provision to net charge-offs | 116.7665% | 3,475 |
| Earnings coverage of net charge-offs (x) | 0.6228% | 5,115 |
| Efficiency ratio | 87.5192% | 1,557 |
| Assets per employee ($millions) | 2.3079% | 7,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 3,041 |
| Loan loss allowance to noncurrent loans | 32.0435% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 5.6554% | 1,073 |
| Noncurrent loans to loans | 5.3306% | 1,259 |
| Net loans and leases to total assets | 73.5047% | 2,030 |
| Net loans and leases to deposits | 100.0330% | 723 |
| Net loans and leases to core deposits | 104.7057% | 1,567 |
| Total domestic deposits to total assets | 73.4804% | 7,041 |
| Equity capital to assets | 11.6193% | 2,339 |
| Core capital (leverage) ratio | 8.3184% | 5,724 |
| Tier 1 risk-based capital ratio | 11.2887% | 5,949 |
| Total risk-based capital ratio | 12.5233% | 5,957 |
| Memoranda: | ||
| Average total assets | $54,196,670 | 6,512 |
| Average earning assets | $47,304,000 | 6,580 |
| Average equity | $6,487,330 | 6,304 |
| Average total loans | $40,371,000 | 6,034 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6146% | 2,091 |
| Cost of funding earning assets | 1.6575% | 2,612 |
| Net interest margin | 3.9571% | 3,068 |
| Noninterest income to average assets | 1.4643% | 555 |
| Noninterest expense to average assets | 6.1396% | 207 |
| Loan and lease loss provision to assets | 0.6864% | 1,855 |
| Net operating income to assets | -1.8838% | 7,433 |
| Return on assets (ROA) | -1.8838% | 7,435 |
| Pretax return on assets | -1.8838% | 7,377 |
| Return on Equity (ROE) | -15.4883% | 7,329 |
| Retained earnings to average equity (ytd only) | -15.4883% | 7,230 |
| Net charge-offs to loans | 1.7957% | 965 |
| Credit loss provision to net charge-offs | 51.4286% | 4,458 |
| Earnings coverage of net charge-offs (x) | -0.8971% | 5,369 |
| Efficiency ratio | 121.4506% | 429 |
| Assets per employee ($millions) | 2.1383% | 7,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 4,516 |
| Loan loss allowance to noncurrent loans | 32.6754% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 3.7034% | 1,889 |
| Noncurrent loans to loans | 4.2248% | 1,816 |
| Net loans and leases to total assets | 76.5833% | 1,417 |
| Net loans and leases to deposits | 102.4445% | 618 |
| Net loans and leases to core deposits | 108.1264% | 1,407 |
| Total domestic deposits to total assets | 74.7558% | 6,937 |
| Equity capital to assets | 11.4934% | 2,369 |
| Core capital (leverage) ratio | 8.6960% | 5,027 |
| Tier 1 risk-based capital ratio | 10.4421% | 6,686 |
| Total risk-based capital ratio | 11.6947% | 6,681 |
| Memoranda: | ||
| Average total assets | $52,446,500 | 6,653 |
| Average earning assets | $46,094,000 | 6,705 |
| Average equity | $6,379,000 | 6,389 |
| Average total loans | $38,983,000 | 6,168 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9331% | 2,115 |
| Cost of funding earning assets | 1.8931% | 3,498 |
| Net interest margin | 4.0400% | 2,694 |
| Noninterest income to average assets | 6.1008% | 119 |
| Noninterest expense to average assets | 7.4282% | 180 |
| Loan and lease loss provision to assets | 1.3317% | 1,722 |
| Net operating income to assets | 0.8235% | 2,435 |
| Return on assets (ROA) | 0.8235% | 2,527 |
| Pretax return on assets | 0.8235% | 3,174 |
| Return on Equity (ROE) | 6.2770% | 3,089 |
| Retained earnings to average equity (ytd only) | 6.2770% | 1,238 |
| Net charge-offs to loans | 1.0572% | 2,296 |
| Credit loss provision to net charge-offs | 174.4382% | 2,412 |
| Earnings coverage of net charge-offs (x) | 2.8230% | 3,679 |
| Efficiency ratio | 75.9006% | 3,546 |
| Assets per employee ($millions) | 1.8960% | 7,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9573% | 2,120 |
| Loan loss allowance to noncurrent loans | 29.6216% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 5.1404% | 1,175 |
| Noncurrent loans to loans | 6.6078% | 899 |
| Net loans and leases to total assets | 69.1963% | 3,439 |
| Net loans and leases to deposits | 81.0372% | 3,789 |
| Net loans and leases to core deposits | 99.7019% | 4,035 |
| Total domestic deposits to total assets | 85.3883% | 3,366 |
| Equity capital to assets | 12.9179% | 1,539 |
| Core capital (leverage) ratio | 9.1183% | 4,244 |
| Tier 1 risk-based capital ratio | 10.8840% | 6,027 |
| Total risk-based capital ratio | 12.1393% | 5,999 |
| Memoranda: | ||
| Average total assets | $46,633,000 | 6,840 |
| Average earning assets | $40,198,200 | 6,934 |
| Average equity | $6,117,600 | 6,565 |
| Average total loans | $33,674,000 | 6,419 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8344% | 2,726 |
| Cost of funding earning assets | 1.9504% | 3,619 |
| Net interest margin | 3.8840% | 3,288 |
| Noninterest income to average assets | 6.0128% | 123 |
| Noninterest expense to average assets | 7.2137% | 195 |
| Loan and lease loss provision to assets | 1.1457% | 1,698 |
| Net operating income to assets | 0.9978% | 2,067 |
| Return on assets (ROA) | 0.9978% | 2,124 |
| Pretax return on assets | 0.9978% | 2,912 |
| Return on Equity (ROE) | 7.5749% | 2,830 |
| Retained earnings to average equity (ytd only) | 7.5749% | 1,279 |
| Net charge-offs to loans | 0.6108% | 2,844 |
| Credit loss provision to net charge-offs | 258.1699% | 1,657 |
| Earnings coverage of net charge-offs (x) | 4.8302% | 2,999 |
| Efficiency ratio | 75.4185% | 3,603 |
| Assets per employee ($millions) | 1.8079% | 7,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9288% | 1,960 |
| Loan loss allowance to noncurrent loans | 92.9478% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 1.9339% | 3,447 |
| Noncurrent loans to loans | 2.0751% | 3,532 |
| Net loans and leases to total assets | 68.6456% | 3,810 |
| Net loans and leases to deposits | 80.1473% | 4,356 |
| Net loans and leases to core deposits | 97.3278% | 4,679 |
| Total domestic deposits to total assets | 85.6493% | 2,890 |
| Equity capital to assets | 13.5435% | 1,477 |
| Core capital (leverage) ratio | 9.7106% | 3,630 |
| Tier 1 risk-based capital ratio | 11.4756% | 5,454 |
| Total risk-based capital ratio | 12.7315% | 5,393 |
| Memoranda: | ||
| Average total assets | $45,967,250 | 6,923 |
| Average earning assets | $39,580,250 | 7,013 |
| Average equity | $6,055,000 | 6,644 |
| Average total loans | $33,394,500 | 6,489 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9930% | 2,212 |
| Cost of funding earning assets | 1.9770% | 3,883 |
| Net interest margin | 4.0160% | 2,633 |
| Noninterest income to average assets | 6.0775% | 115 |
| Noninterest expense to average assets | 7.2503% | 200 |
| Loan and lease loss provision to assets | 0.9996% | 1,681 |
| Net operating income to assets | 1.2839% | 1,264 |
| Return on assets (ROA) | 1.2839% | 1,356 |
| Pretax return on assets | 1.2839% | 2,069 |
| Return on Equity (ROE) | 9.8472% | 2,073 |
| Retained earnings to average equity (ytd only) | 9.8472% | 764 |
| Net charge-offs to loans | 0.1871% | 4,390 |
| Credit loss provision to net charge-offs | 725.8065% | 655 |
| Earnings coverage of net charge-offs (x) | 16.5806% | 1,529 |
| Efficiency ratio | 74.3709% | 3,976 |
| Assets per employee ($millions) | 1.9419% | 7,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 2,516 |
| Loan loss allowance to noncurrent loans | 132.2511% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 1.4357% | 4,099 |
| Noncurrent loans to loans | 1.2495% | 4,708 |
| Net loans and leases to total assets | 74.9047% | 2,465 |
| Net loans and leases to deposits | 90.5140% | 2,745 |
| Net loans and leases to core deposits | 110.9538% | 3,261 |
| Total domestic deposits to total assets | 82.7549% | 4,355 |
| Equity capital to assets | 12.9668% | 1,707 |
| Core capital (leverage) ratio | 9.4574% | 3,946 |
| Tier 1 risk-based capital ratio | 10.1674% | 6,752 |
| Total risk-based capital ratio | 11.2186% | 6,890 |
| Memoranda: | ||
| Average total assets | $45,018,670 | 7,019 |
| Average earning assets | $38,745,000 | 7,104 |
| Average equity | $5,869,670 | 6,773 |
| Average total loans | $33,137,000 | 6,546 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9738% | 2,467 |
| Cost of funding earning assets | 1.9984% | 4,142 |
| Net interest margin | 3.9753% | 2,756 |
| Noninterest income to average assets | 4.3649% | 150 |
| Noninterest expense to average assets | 6.6953% | 223 |
| Loan and lease loss provision to assets | 0.8323% | 1,559 |
| Net operating income to assets | 0.2589% | 5,448 |
| Return on assets (ROA) | 0.2589% | 5,613 |
| Pretax return on assets | 0.2589% | 5,786 |
| Return on Equity (ROE) | 1.9798% | 5,782 |
| Retained earnings to average equity (ytd only) | 1.9798% | 4,755 |
| Net charge-offs to loans | 0.3588% | 2,653 |
| Credit loss provision to net charge-offs | 321.4286% | 1,532 |
| Earnings coverage of net charge-offs (x) | 4.2143% | 2,943 |
| Efficiency ratio | 83.8480% | 2,324 |
| Assets per employee ($millions) | 2.2156% | 7,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 2,849 |
| Loan loss allowance to noncurrent loans | 88.3764% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.6700% | 3,420 |
| Noncurrent loans to loans | 1.7234% | 3,677 |
| Net loans and leases to total assets | 66.5635% | 4,452 |
| Net loans and leases to deposits | 76.5391% | 5,142 |
| Net loans and leases to core deposits | 96.1532% | 4,955 |
| Total domestic deposits to total assets | 86.9667% | 2,235 |
| Equity capital to assets | 12.3326% | 2,061 |
| Core capital (leverage) ratio | 9.0198% | 4,675 |
| Tier 1 risk-based capital ratio | 10.8075% | 6,086 |
| Total risk-based capital ratio | 12.0403% | 6,010 |
| Memoranda: | ||
| Average total assets | $43,254,500 | 7,122 |
| Average earning assets | $37,229,500 | 7,212 |
| Average equity | $5,657,000 | 6,896 |
| Average total loans | $31,218,000 | 6,689 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1288% | 866 |
| Cost of funding earning assets | 1.8294% | 6,930 |
| Net interest margin | 5.2994% | 283 |
| Noninterest income to average assets | 4.0020% | 150 |
| Noninterest expense to average assets | 9.1463% | 167 |
| Loan and lease loss provision to assets | 1.0397% | 1,412 |
| Net operating income to assets | -1.7094% | 7,531 |
| Return on assets (ROA) | -1.7094% | 7,484 |
| Pretax return on assets | -1.7094% | 7,343 |
| Return on Equity (ROE) | -10.4480% | 7,308 |
| Retained earnings to average equity (ytd only) | -10.4480% | 7,107 |
| Net charge-offs to loans | 1.4615% | 796 |
| Credit loss provision to net charge-offs | 105.7692% | 5,064 |
| Earnings coverage of net charge-offs (x) | -0.6813% | 6,533 |
| Efficiency ratio | 105.7980% | 815 |
| Assets per employee ($millions) | 1.4279% | 8,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 3,483 |
| Loan loss allowance to noncurrent loans | 106.9054% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.9779% | 4,386 |
| Noncurrent loans to loans | 1.2618% | 3,985 |
| Net loans and leases to total assets | 76.4569% | 2,509 |
| Net loans and leases to deposits | 89.9776% | 3,459 |
| Net loans and leases to core deposits | 97.6677% | 5,076 |
| Total domestic deposits to total assets | 84.9732% | 2,856 |
| Equity capital to assets | 13.9463% | 1,441 |
| Core capital (leverage) ratio | 9.7712% | 3,684 |
| Tier 1 risk-based capital ratio | 10.8373% | 5,872 |
| Total risk-based capital ratio | 12.0434% | 5,822 |
| Memoranda: | ||
| Average total assets | $37,031,400 | 7,343 |
| Average earning assets | $31,267,400 | 7,449 |
| Average equity | $6,058,600 | 6,780 |
| Average total loans | $24,906,600 | 7,030 |