Home > Georgia First Bank > Performance and Condition Ratios
Georgia First 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 | 6.6671% | 298 |
| Cost of funding earning assets | 1.3843% | 2,269 |
| Net interest margin | 5.2827% | 242 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 3.4823% | 587 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.8205% | 591 |
| Return on assets (ROA) | 1.8205% | 574 |
| Pretax return on assets | 1.8891% | 784 |
| Return on Equity (ROE) | 19.9200% | 625 |
| Retained earnings to average equity (ytd only) | 15.8749% | 276 |
| Net charge-offs to loans | 0.0402% | 1,509 |
| Credit loss provision to net charge-offs | 711.8644% | 524 |
| Earnings coverage of net charge-offs (x) | 65.0169% | 1,140 |
| Efficiency ratio | 62.1435% | 2,820 |
| Assets per employee ($millions) | 5.0531% | 3,600 |
| Cash dividends to net income (ytd only)* | 20.2916% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 1,037 |
| Loan loss allowance to noncurrent loans | 1,351.9774% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 2,913 |
| Noncurrent loans to loans | 0.1113% | 2,972 |
| Net loans and leases to total assets | 81.6100% | 470 |
| Net loans and leases to deposits | 90.9079% | 1,190 |
| Net loans and leases to core deposits | 112.7747% | 857 |
| Total domestic deposits to total assets | 89.7700% | 816 |
| Equity capital to assets | 9.4596% | 2,375 |
| Core capital (leverage) ratio | 9.5065% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6277% | 2,018 |
| Memoranda: | ||
| Average total assets | $180,828,200 | 3,122 |
| Average earning assets | $172,789,200 | 3,072 |
| Average equity | $16,529,200 | 3,135 |
| Average total loans | $146,882,200 | 2,696 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4234% | 328 |
| Cost of funding earning assets | 1.1193% | 2,689 |
| Net interest margin | 5.3041% | 223 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 3.6068% | 496 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.7637% | 713 |
| Return on assets (ROA) | 1.7637% | 701 |
| Pretax return on assets | 1.7637% | 1,056 |
| Return on Equity (ROE) | 19.4800% | 776 |
| Retained earnings to average equity (ytd only) | 13.9529% | 678 |
| Net charge-offs to loans | 0.0362% | 1,374 |
| Credit loss provision to net charge-offs | 807.6923% | 460 |
| Earnings coverage of net charge-offs (x) | 68.4615% | 1,126 |
| Efficiency ratio | 64.3334% | 2,458 |
| Assets per employee ($millions) | 4.9471% | 3,640 |
| Cash dividends to net income (ytd only)* | 28.3652% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 1,138 |
| Loan loss allowance to noncurrent loans | 1,296.6292% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 2,966 |
| Noncurrent loans to loans | 0.1149% | 2,997 |
| Net loans and leases to total assets | 79.1000% | 749 |
| Net loans and leases to deposits | 87.4103% | 1,436 |
| Net loans and leases to core deposits | 104.5640% | 1,087 |
| Total domestic deposits to total assets | 90.4900% | 813 |
| Equity capital to assets | 8.9096% | 2,475 |
| Core capital (leverage) ratio | 9.3169% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4230% | 2,107 |
| Memoranda: | ||
| Average total assets | $178,031,250 | 3,147 |
| Average earning assets | $170,228,750 | 3,098 |
| Average equity | $16,120,500 | 3,157 |
| Average total loans | $143,830,250 | 2,729 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2386% | 334 |
| Cost of funding earning assets | 0.9164% | 2,872 |
| Net interest margin | 5.3222% | 205 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 3.6322% | 466 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.7497% | 713 |
| Return on assets (ROA) | 1.7497% | 718 |
| Pretax return on assets | 1.7497% | 1,115 |
| Return on Equity (ROE) | 19.2100% | 805 |
| Retained earnings to average equity (ytd only) | 10.7333% | 1,240 |
| Net charge-offs to loans | 0.0514% | 999 |
| Credit loss provision to net charge-offs | 583.3333% | 590 |
| Earnings coverage of net charge-offs (x) | 47.8889% | 1,307 |
| Efficiency ratio | 64.5778% | 2,418 |
| Assets per employee ($millions) | 5.0580% | 3,552 |
| Cash dividends to net income (ytd only)* | 44.1215% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,149 |
| Loan loss allowance to noncurrent loans | 2,081.1321% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 3,187 |
| Noncurrent loans to loans | 0.0725% | 3,177 |
| Net loans and leases to total assets | 79.0500% | 733 |
| Net loans and leases to deposits | 87.3101% | 1,400 |
| Net loans and leases to core deposits | 98.0485% | 1,341 |
| Total domestic deposits to total assets | 90.5400% | 768 |
| Equity capital to assets | 8.9781% | 2,525 |
| Core capital (leverage) ratio | 9.3326% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5075% | 2,090 |
| Memoranda: | ||
| Average total assets | $173,062,667 | 3,195 |
| Average earning assets | $165,645,000 | 3,151 |
| Average equity | $15,764,000 | 3,206 |
| Average total loans | $140,135,333 | 2,769 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9809% | 318 |
| Cost of funding earning assets | 0.7365% | 2,942 |
| Net interest margin | 5.2444% | 213 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 3.6689% | 454 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 1.6541% | 897 |
| Return on assets (ROA) | 1.6541% | 897 |
| Pretax return on assets | 1.6541% | 1,365 |
| Return on Equity (ROE) | 18.0200% | 1,025 |
| Retained earnings to average equity (ytd only) | 0.7497% | 3,901 |
| Net charge-offs to loans | 0.0058% | 1,749 |
| Credit loss provision to net charge-offs | 5,250.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 401.0000% | 275 |
| Efficiency ratio | 65.8433% | 2,226 |
| Assets per employee ($millions) | 4.7319% | 3,858 |
| Cash dividends to net income (ytd only)* | 95.8393% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,181 |
| Loan loss allowance to noncurrent loans | 1,173.0769% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 2,797 |
| Noncurrent loans to loans | 0.1301% | 2,859 |
| Net loans and leases to total assets | 78.6900% | 689 |
| Net loans and leases to deposits | 86.6781% | 1,304 |
| Net loans and leases to core deposits | 95.7247% | 1,300 |
| Total domestic deposits to total assets | 90.7800% | 873 |
| Equity capital to assets | 8.8570% | 2,626 |
| Core capital (leverage) ratio | 9.2340% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3065% | 2,266 |
| Memoranda: | ||
| Average total assets | $168,550,000 | 3,272 |
| Average earning assets | $161,849,000 | 3,220 |
| Average equity | $15,472,000 | 3,267 |
| Average total loans | $137,129,000 | 2,825 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 185 |
| Cost of funding earning assets | 0.2497% | 3,321 |
| Net interest margin | 5.0954% | 126 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 3.6907% | 417 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.5449% | 787 |
| Return on assets (ROA) | 1.5449% | 762 |
| Pretax return on assets | 1.5449% | 1,308 |
| Return on Equity (ROE) | 15.9800% | 1,059 |
| Retained earnings to average equity (ytd only) | 10.9137% | 905 |
| Net charge-offs to loans | 0.0261% | 1,536 |
| Credit loss provision to net charge-offs | 1,129.0323% | 397 |
| Earnings coverage of net charge-offs (x) | 83.1290% | 1,072 |
| Efficiency ratio | 67.3674% | 2,040 |
| Assets per employee ($millions) | 4.3789% | 4,096 |
| Cash dividends to net income (ytd only)* | 31.7018% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 1,054 |
| Loan loss allowance to noncurrent loans | 1,687.0968% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 3,026 |
| Noncurrent loans to loans | 0.0923% | 3,098 |
| Net loans and leases to total assets | 81.6400% | 443 |
| Net loans and leases to deposits | 90.6067% | 1,006 |
| Net loans and leases to core deposits | 96.7203% | 1,161 |
| Total domestic deposits to total assets | 90.1000% | 1,320 |
| Equity capital to assets | 9.5280% | 1,982 |
| Core capital (leverage) ratio | 10.0180% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7872% | 2,057 |
| Memoranda: | ||
| Average total assets | $144,148,000 | 3,501 |
| Average earning assets | $138,182,200 | 3,437 |
| Average equity | $13,936,600 | 3,474 |
| Average total loans | $118,662,400 | 2,934 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2121% | 161 |
| Cost of funding earning assets | 0.2051% | 3,210 |
| Net interest margin | 5.0070% | 117 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 3.6597% | 420 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 1.5063% | 842 |
| Return on assets (ROA) | 1.5063% | 815 |
| Pretax return on assets | 1.5063% | 1,390 |
| Return on Equity (ROE) | 15.5100% | 1,078 |
| Retained earnings to average equity (ytd only) | 8.5731% | 1,802 |
| Net charge-offs to loans | 0.0151% | 1,564 |
| Credit loss provision to net charge-offs | 1,884.6154% | 263 |
| Earnings coverage of net charge-offs (x) | 140.2308% | 774 |
| Efficiency ratio | 67.7744% | 2,058 |
| Assets per employee ($millions) | 4.5353% | 4,027 |
| Cash dividends to net income (ytd only)* | 44.7402% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 1,042 |
| Loan loss allowance to noncurrent loans | 1,699.1525% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 3,117 |
| Noncurrent loans to loans | 0.0948% | 3,200 |
| Net loans and leases to total assets | 81.8200% | 392 |
| Net loans and leases to deposits | 91.0048% | 826 |
| Net loans and leases to core deposits | 96.9588% | 953 |
| Total domestic deposits to total assets | 89.9100% | 1,703 |
| Equity capital to assets | 9.8641% | 1,682 |
| Core capital (leverage) ratio | 10.1783% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1572% | 1,989 |
| Memoranda: | ||
| Average total assets | $139,680,500 | 3,559 |
| Average earning assets | $133,916,250 | 3,506 |
| Average equity | $13,561,500 | 3,556 |
| Average total loans | $114,739,000 | 2,987 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 156 |
| Cost of funding earning assets | 0.1774% | 3,210 |
| Net interest margin | 4.8908% | 115 |
| Noninterest income to average assets | 0.6028% | 1,727 |
| Noninterest expense to average assets | 3.6112% | 391 |
| Loan and lease loss provision to assets | 0.2053% | 399 |
| Net operating income to assets | 1.4771% | 749 |
| Return on assets (ROA) | 1.4771% | 729 |
| Pretax return on assets | 1.4771% | 1,232 |
| Return on Equity (ROE) | 15.3028% | 834 |
| Retained earnings to average equity (ytd only) | 4.5741% | 2,854 |
| Net charge-offs to loans | 0.0090% | 1,651 |
| Credit loss provision to net charge-offs | 2,800.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 229.4000% | 497 |
| Efficiency ratio | 68.2183% | 2,209 |
| Assets per employee ($millions) | 4.8106% | 3,839 |
| Cash dividends to net income (ytd only)* | 70.1092% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 1,144 |
| Loan loss allowance to noncurrent loans | 1,616.9492% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 3,135 |
| Noncurrent loans to loans | 0.0992% | 3,262 |
| Net loans and leases to total assets | 83.9270% | 189 |
| Net loans and leases to deposits | 95.5468% | 451 |
| Net loans and leases to core deposits | 101.9327% | 597 |
| Total domestic deposits to total assets | 87.8386% | 2,639 |
| Equity capital to assets | 9.8382% | 1,803 |
| Core capital (leverage) ratio | 10.0300% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7649% | 2,176 |
| Memoranda: | ||
| Average total assets | $136,352,667 | 3,635 |
| Average earning assets | $130,776,333 | 3,588 |
| Average equity | $13,161,000 | 3,669 |
| Average total loans | $111,498,333 | 3,047 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8780% | 179 |
| Cost of funding earning assets | 0.1512% | 3,490 |
| Net interest margin | 4.7268% | 131 |
| Noninterest income to average assets | 0.6322% | 1,562 |
| Noninterest expense to average assets | 3.4873% | 421 |
| Loan and lease loss provision to assets | 0.3116% | 195 |
| Net operating income to assets | 1.3801% | 836 |
| Return on assets (ROA) | 1.3801% | 829 |
| Pretax return on assets | 1.3801% | 1,298 |
| Return on Equity (ROE) | 14.4421% | 747 |
| Retained earnings to average equity (ytd only) | -7.4851% | 4,511 |
| Net charge-offs to loans | 0.0074% | 1,477 |
| Credit loss provision to net charge-offs | 5,250.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 285.0000% | 332 |
| Efficiency ratio | 67.3352% | 2,588 |
| Assets per employee ($millions) | 5.2182% | 3,572 |
| Cash dividends to net income (ytd only)* | 151.8280% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 1,013 |
| Loan loss allowance to noncurrent loans | 1,589.8305% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 3,205 |
| Noncurrent loans to loans | 0.1085% | 3,296 |
| Net loans and leases to total assets | 78.7660% | 315 |
| Net loans and leases to deposits | 87.0378% | 674 |
| Net loans and leases to core deposits | 92.0996% | 809 |
| Total domestic deposits to total assets | 90.4963% | 1,302 |
| Equity capital to assets | 9.3776% | 2,387 |
| Core capital (leverage) ratio | 9.4143% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0107% | 2,196 |
| Memoranda: | ||
| Average total assets | $134,775,500 | 3,667 |
| Average earning assets | $129,643,000 | 3,612 |
| Average equity | $12,879,000 | 3,768 |
| Average total loans | $107,751,500 | 3,091 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2821% | 174 |
| Cost of funding earning assets | 0.1879% | 3,577 |
| Net interest margin | 5.0941% | 124 |
| Noninterest income to average assets | 0.6459% | 1,959 |
| Noninterest expense to average assets | 3.4764% | 497 |
| Loan and lease loss provision to assets | 0.3950% | 173 |
| Net operating income to assets | 1.6588% | 692 |
| Return on assets (ROA) | 1.6588% | 728 |
| Pretax return on assets | 1.6588% | 1,250 |
| Return on Equity (ROE) | 17.0359% | 587 |
| Retained earnings to average equity (ytd only) | 11.6700% | 585 |
| Net charge-offs to loans | 0.0307% | 1,624 |
| Credit loss provision to net charge-offs | 1,600.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 83.2000% | 972 |
| Efficiency ratio | 62.8627% | 2,738 |
| Assets per employee ($millions) | 4.9584% | 3,765 |
| Cash dividends to net income (ytd only)* | 31.4980% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 1,141 |
| Loan loss allowance to noncurrent loans | 1,418.4000% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 3,285 |
| Noncurrent loans to loans | 0.1171% | 3,348 |
| Net loans and leases to total assets | 78.4220% | 356 |
| Net loans and leases to deposits | 87.0758% | 710 |
| Net loans and leases to core deposits | 92.5184% | 849 |
| Total domestic deposits to total assets | 90.0618% | 932 |
| Equity capital to assets | 9.7365% | 2,904 |
| Core capital (leverage) ratio | 9.8272% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4586% | 2,064 |
| Memoranda: | ||
| Average total assets | $121,534,000 | 3,782 |
| Average earning assets | $116,526,000 | 3,732 |
| Average equity | $11,833,800 | 3,951 |
| Average total loans | $97,781,200 | 3,228 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 193 |
| Cost of funding earning assets | 0.1997% | 3,608 |
| Net interest margin | 5.1106% | 137 |
| Noninterest income to average assets | 0.6484% | 2,019 |
| Noninterest expense to average assets | 3.4523% | 488 |
| Loan and lease loss provision to assets | 0.4052% | 155 |
| Net operating income to assets | 1.6873% | 850 |
| Return on assets (ROA) | 1.6873% | 895 |
| Pretax return on assets | 1.6873% | 1,435 |
| Return on Equity (ROE) | 17.3288% | 717 |
| Retained earnings to average equity (ytd only) | 9.9880% | 1,316 |
| Net charge-offs to loans | 0.0265% | 1,512 |
| Credit loss provision to net charge-offs | 1,894.7368% | 341 |
| Earnings coverage of net charge-offs (x) | 97.8421% | 878 |
| Efficiency ratio | 62.2615% | 2,648 |
| Assets per employee ($millions) | 4.9331% | 3,761 |
| Cash dividends to net income (ytd only)* | 42.3616% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 1,350 |
| Loan loss allowance to noncurrent loans | 2,080.0000% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 3,700 |
| Noncurrent loans to loans | 0.0767% | 3,710 |
| Net loans and leases to total assets | 80.0438% | 289 |
| Net loans and leases to deposits | 88.9313% | 660 |
| Net loans and leases to core deposits | 94.3170% | 815 |
| Total domestic deposits to total assets | 90.0063% | 770 |
| Equity capital to assets | 9.7793% | 3,125 |
| Core capital (leverage) ratio | 10.0209% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6079% | 2,123 |
| Memoranda: | ||
| Average total assets | $118,448,250 | 3,863 |
| Average earning assets | $113,486,500 | 3,804 |
| Average equity | $11,533,500 | 4,033 |
| Average total loans | $95,536,000 | 3,296 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3646% | 202 |
| Cost of funding earning assets | 0.2106% | 3,649 |
| Net interest margin | 5.1540% | 142 |
| Noninterest income to average assets | 0.6390% | 2,048 |
| Noninterest expense to average assets | 3.4660% | 486 |
| Loan and lease loss provision to assets | 0.4167% | 143 |
| Net operating income to assets | 1.6861% | 896 |
| Return on assets (ROA) | 1.6861% | 941 |
| Pretax return on assets | 1.6861% | 1,516 |
| Return on Equity (ROE) | 17.3439% | 735 |
| Retained earnings to average equity (ytd only) | 6.0016% | 2,801 |
| Net charge-offs to loans | -0.0022% | 3,212 |
| Credit loss provision to net charge-offs | -24,000.0000% | 4,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2389% | 2,694 |
| Assets per employee ($millions) | 4.6098% | 4,005 |
| Cash dividends to net income (ytd only)* | 65.3965% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 1,320 |
| Loan loss allowance to noncurrent loans | 1,292.5620% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 3,545 |
| Noncurrent loans to loans | 0.1224% | 3,580 |
| Net loans and leases to total assets | 81.1581% | 254 |
| Net loans and leases to deposits | 90.3494% | 632 |
| Net loans and leases to core deposits | 96.1281% | 799 |
| Total domestic deposits to total assets | 89.8269% | 857 |
| Equity capital to assets | 10.0288% | 2,826 |
| Core capital (leverage) ratio | 10.1048% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5797% | 2,129 |
| Memoranda: | ||
| Average total assets | $115,177,333 | 3,914 |
| Average earning assets | $110,166,667 | 3,871 |
| Average equity | $11,197,000 | 4,076 |
| Average total loans | $92,605,000 | 3,360 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2625% | 248 |
| Cost of funding earning assets | 0.2367% | 3,590 |
| Net interest margin | 5.0258% | 179 |
| Noninterest income to average assets | 0.7196% | 1,806 |
| Noninterest expense to average assets | 3.3322% | 576 |
| Loan and lease loss provision to assets | 0.4254% | 173 |
| Net operating income to assets | 1.7795% | 816 |
| Return on assets (ROA) | 1.7795% | 869 |
| Pretax return on assets | 1.7795% | 1,331 |
| Return on Equity (ROE) | 18.6176% | 657 |
| Retained earnings to average equity (ytd only) | -4.9325% | 4,700 |
| Net charge-offs to loans | 0.0179% | 1,388 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 155.5000% | 476 |
| Efficiency ratio | 60.1793% | 3,011 |
| Assets per employee ($millions) | 4.2560% | 4,307 |
| Cash dividends to net income (ytd only)* | 126.4940% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 1,413 |
| Loan loss allowance to noncurrent loans | 1,042.7536% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 3,570 |
| Noncurrent loans to loans | 0.1488% | 3,583 |
| Net loans and leases to total assets | 79.4392% | 371 |
| Net loans and leases to deposits | 87.7413% | 847 |
| Net loans and leases to core deposits | 93.3223% | 1,023 |
| Total domestic deposits to total assets | 90.5381% | 571 |
| Equity capital to assets | 9.3558% | 3,324 |
| Core capital (leverage) ratio | 9.5994% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0558% | 2,271 |
| Memoranda: | ||
| Average total assets | $112,838,500 | 3,943 |
| Average earning assets | $108,162,000 | 3,897 |
| Average equity | $10,785,500 | 4,134 |
| Average total loans | $89,489,500 | 3,417 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8026% | 117 |
| Cost of funding earning assets | 0.6267% | 2,142 |
| Net interest margin | 5.1760% | 97 |
| Noninterest income to average assets | 0.7016% | 1,862 |
| Noninterest expense to average assets | 3.6845% | 537 |
| Loan and lease loss provision to assets | 0.3435% | 1,016 |
| Net operating income to assets | 1.5495% | 714 |
| Return on assets (ROA) | 1.5495% | 776 |
| Pretax return on assets | 1.5495% | 1,195 |
| Return on Equity (ROE) | 15.8227% | 520 |
| Retained earnings to average equity (ytd only) | 9.9041% | 603 |
| Net charge-offs to loans | 0.3066% | 571 |
| Credit loss provision to net charge-offs | 146.0581% | 2,448 |
| Earnings coverage of net charge-offs (x) | 8.0498% | 2,640 |
| Efficiency ratio | 66.0602% | 2,523 |
| Assets per employee ($millions) | 4.4306% | 3,988 |
| Cash dividends to net income (ytd only)* | 37.4055% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 1,468 |
| Loan loss allowance to noncurrent loans | 1,392.6316% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 3,901 |
| Noncurrent loans to loans | 0.1101% | 3,852 |
| Net loans and leases to total assets | 76.6774% | 722 |
| Net loans and leases to deposits | 85.2421% | 1,317 |
| Net loans and leases to core deposits | 91.1482% | 1,449 |
| Total domestic deposits to total assets | 89.9525% | 585 |
| Equity capital to assets | 9.7685% | 3,349 |
| Core capital (leverage) ratio | 9.7057% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7903% | 1,934 |
| Memoranda: | ||
| Average total assets | $102,484,600 | 3,962 |
| Average earning assets | $96,542,600 | 3,932 |
| Average equity | $10,036,200 | 4,186 |
| Average total loans | $78,601,400 | 3,578 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9043% | 124 |
| Cost of funding earning assets | 0.7127% | 1,944 |
| Net interest margin | 5.1916% | 105 |
| Noninterest income to average assets | 0.7117% | 1,760 |
| Noninterest expense to average assets | 3.7577% | 481 |
| Loan and lease loss provision to assets | 0.3237% | 1,213 |
| Net operating income to assets | 1.4951% | 916 |
| Return on assets (ROA) | 1.4951% | 999 |
| Pretax return on assets | 1.4951% | 1,458 |
| Return on Equity (ROE) | 15.2567% | 651 |
| Retained earnings to average equity (ytd only) | 7.2083% | 1,611 |
| Net charge-offs to loans | 0.3877% | 409 |
| Credit loss provision to net charge-offs | 109.4170% | 2,556 |
| Earnings coverage of net charge-offs (x) | 6.1435% | 2,673 |
| Efficiency ratio | 67.3810% | 2,270 |
| Assets per employee ($millions) | 4.5303% | 3,808 |
| Cash dividends to net income (ytd only)* | 52.7531% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 1,197 |
| Loan loss allowance to noncurrent loans | 1,522.2222% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 3,487 |
| Noncurrent loans to loans | 0.1027% | 3,959 |
| Net loans and leases to total assets | 71.3804% | 1,761 |
| Net loans and leases to deposits | 79.1638% | 2,408 |
| Net loans and leases to core deposits | 85.6139% | 2,333 |
| Total domestic deposits to total assets | 90.1679% | 371 |
| Equity capital to assets | 9.5368% | 3,656 |
| Core capital (leverage) ratio | 9.8133% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4419% | 1,679 |
| Memoranda: | ||
| Average total assets | $100,414,750 | 3,986 |
| Average earning assets | $94,098,250 | 3,972 |
| Average equity | $9,840,250 | 4,222 |
| Average total loans | $76,688,250 | 3,632 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0172% | 145 |
| Cost of funding earning assets | 0.8154% | 1,755 |
| Net interest margin | 5.2018% | 139 |
| Noninterest income to average assets | 0.7701% | 1,520 |
| Noninterest expense to average assets | 3.8077% | 496 |
| Loan and lease loss provision to assets | 0.3195% | 1,339 |
| Net operating income to assets | 1.5300% | 880 |
| Return on assets (ROA) | 1.5300% | 953 |
| Pretax return on assets | 1.5300% | 1,386 |
| Return on Equity (ROE) | 15.4594% | 640 |
| Retained earnings to average equity (ytd only) | 3.1664% | 3,316 |
| Net charge-offs to loans | 0.2027% | 758 |
| Credit loss provision to net charge-offs | 202.5974% | 1,901 |
| Earnings coverage of net charge-offs (x) | 11.7273% | 2,091 |
| Efficiency ratio | 67.3063% | 2,335 |
| Assets per employee ($millions) | 4.1658% | 4,138 |
| Cash dividends to net income (ytd only)* | 79.5181% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 898 |
| Loan loss allowance to noncurrent loans | 890.3448% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 3,277 |
| Noncurrent loans to loans | 0.1860% | 3,714 |
| Net loans and leases to total assets | 73.6128% | 1,458 |
| Net loans and leases to deposits | 81.6808% | 2,235 |
| Net loans and leases to core deposits | 89.5723% | 2,106 |
| Total domestic deposits to total assets | 90.1224% | 371 |
| Equity capital to assets | 9.5991% | 3,563 |
| Core capital (leverage) ratio | 10.0065% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3538% | 1,675 |
| Memoranda: | ||
| Average total assets | $97,644,333 | 4,028 |
| Average earning assets | $91,737,333 | 4,000 |
| Average equity | $9,664,000 | 4,260 |
| Average total loans | $75,970,333 | 3,648 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2582% | 114 |
| Cost of funding earning assets | 0.9383% | 1,702 |
| Net interest margin | 5.3199% | 125 |
| Noninterest income to average assets | 0.9535% | 947 |
| Noninterest expense to average assets | 4.1062% | 448 |
| Loan and lease loss provision to assets | 0.3305% | 934 |
| Net operating income to assets | 1.5382% | 713 |
| Return on assets (ROA) | 1.5382% | 782 |
| Pretax return on assets | 1.5382% | 1,213 |
| Return on Equity (ROE) | 15.2882% | 516 |
| Retained earnings to average equity (ytd only) | -9.7289% | 4,756 |
| Net charge-offs to loans | 0.2934% | 493 |
| Credit loss provision to net charge-offs | 141.8182% | 1,614 |
| Earnings coverage of net charge-offs (x) | 8.0182% | 1,888 |
| Efficiency ratio | 68.7234% | 2,555 |
| Assets per employee ($millions) | 3.5506% | 4,439 |
| Cash dividends to net income (ytd only)* | 163.6364% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6309% | 994 |
| Loan loss allowance to noncurrent loans | 476.8340% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 2,850 |
| Noncurrent loans to loans | 0.3420% | 3,268 |
| Net loans and leases to total assets | 77.7035% | 1,023 |
| Net loans and leases to deposits | 86.4066% | 1,945 |
| Net loans and leases to core deposits | 95.1549% | 1,870 |
| Total domestic deposits to total assets | 89.9277% | 344 |
| Equity capital to assets | 9.8063% | 3,955 |
| Core capital (leverage) ratio | 10.0053% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9204% | 1,933 |
| Memoranda: | ||
| Average total assets | $94,394,000 | 4,072 |
| Average earning assets | $89,099,500 | 4,034 |
| Average equity | $9,497,500 | 4,294 |
| Average total loans | $74,978,000 | 3,662 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4192% | 122 |
| Cost of funding earning assets | 0.9839% | 1,793 |
| Net interest margin | 5.4354% | 126 |
| Noninterest income to average assets | 0.8249% | 1,369 |
| Noninterest expense to average assets | 3.9270% | 580 |
| Loan and lease loss provision to assets | 0.3833% | 386 |
| Net operating income to assets | 1.6954% | 665 |
| Return on assets (ROA) | 1.6954% | 708 |
| Pretax return on assets | 1.6954% | 1,199 |
| Return on Equity (ROE) | 17.9343% | 344 |
| Retained earnings to average equity (ytd only) | 10.7654% | 369 |
| Net charge-offs to loans | 0.0668% | 2,132 |
| Credit loss provision to net charge-offs | 714.8936% | 446 |
| Earnings coverage of net charge-offs (x) | 38.7660% | 1,344 |
| Efficiency ratio | 65.3875% | 2,858 |
| Assets per employee ($millions) | 3.3186% | 4,630 |
| Cash dividends to net income (ytd only)* | 39.9731% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 910 |
| Loan loss allowance to noncurrent loans | 600.0000% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 3,005 |
| Noncurrent loans to loans | 0.2721% | 3,475 |
| Net loans and leases to total assets | 78.5797% | 994 |
| Net loans and leases to deposits | 87.9808% | 1,845 |
| Net loans and leases to core deposits | 96.4914% | 1,862 |
| Total domestic deposits to total assets | 89.3146% | 553 |
| Equity capital to assets | 10.3249% | 3,608 |
| Core capital (leverage) ratio | 10.3071% | 3,186 |
| Tier 1 risk-based capital ratio | 14.2384% | 3,149 |
| Total risk-based capital ratio | 15.4955% | 3,061 |
| Memoranda: | ||
| Average total assets | $87,649,400 | 4,172 |
| Average earning assets | $83,545,600 | 4,132 |
| Average equity | $8,285,800 | 4,475 |
| Average total loans | $70,346,600 | 3,769 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3733% | 135 |
| Cost of funding earning assets | 0.9740% | 1,873 |
| Net interest margin | 5.3993% | 140 |
| Noninterest income to average assets | 0.8494% | 1,278 |
| Noninterest expense to average assets | 3.9120% | 586 |
| Loan and lease loss provision to assets | 0.3985% | 327 |
| Net operating income to assets | 1.6927% | 760 |
| Return on assets (ROA) | 1.6927% | 800 |
| Pretax return on assets | 1.6927% | 1,356 |
| Return on Equity (ROE) | 18.3609% | 363 |
| Retained earnings to average equity (ytd only) | 8.4099% | 1,241 |
| Net charge-offs to loans | 0.0692% | 1,840 |
| Credit loss provision to net charge-offs | 716.6667% | 465 |
| Earnings coverage of net charge-offs (x) | 37.6102% | 1,424 |
| Efficiency ratio | 65.1659% | 2,828 |
| Assets per employee ($millions) | 3.6679% | 4,315 |
| Cash dividends to net income (ytd only)* | 54.1969% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5624% | 1,082 |
| Loan loss allowance to noncurrent loans | 639.6648% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 3,073 |
| Noncurrent loans to loans | 0.2443% | 3,666 |
| Net loans and leases to total assets | 78.6700% | 1,036 |
| Net loans and leases to deposits | 87.7741% | 1,963 |
| Net loans and leases to core deposits | 96.8464% | 1,924 |
| Total domestic deposits to total assets | 89.6278% | 402 |
| Equity capital to assets | 10.0418% | 3,975 |
| Core capital (leverage) ratio | 10.2917% | 3,314 |
| Tier 1 risk-based capital ratio | 13.7546% | 3,448 |
| Total risk-based capital ratio | 15.0098% | 3,354 |
| Memoranda: | ||
| Average total assets | $86,331,500 | 4,250 |
| Average earning assets | $82,404,250 | 4,199 |
| Average equity | $7,958,750 | 4,565 |
| Average total loans | $69,376,000 | 3,826 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3798% | 135 |
| Cost of funding earning assets | 0.9440% | 1,941 |
| Net interest margin | 5.4359% | 144 |
| Noninterest income to average assets | 0.8303% | 1,251 |
| Noninterest expense to average assets | 4.0003% | 539 |
| Loan and lease loss provision to assets | 0.3690% | 341 |
| Net operating income to assets | 1.6512% | 806 |
| Return on assets (ROA) | 1.6512% | 840 |
| Pretax return on assets | 1.6512% | 1,390 |
| Return on Equity (ROE) | 18.5089% | 353 |
| Retained earnings to average equity (ytd only) | 2.7578% | 3,827 |
| Net charge-offs to loans | 0.1440% | 1,074 |
| Credit loss provision to net charge-offs | 318.3673% | 863 |
| Earnings coverage of net charge-offs (x) | 17.4286% | 1,894 |
| Efficiency ratio | 66.4440% | 2,758 |
| Assets per employee ($millions) | 3.8630% | 4,045 |
| Cash dividends to net income (ytd only)* | 85.1003% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,438 |
| Loan loss allowance to noncurrent loans | 700.6803% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 3,201 |
| Noncurrent loans to loans | 0.2063% | 3,804 |
| Net loans and leases to total assets | 79.0339% | 1,033 |
| Net loans and leases to deposits | 86.8146% | 2,154 |
| Net loans and leases to core deposits | 95.6832% | 2,103 |
| Total domestic deposits to total assets | 91.0375% | 98 |
| Equity capital to assets | 8.6755% | 4,968 |
| Core capital (leverage) ratio | 8.8361% | 4,764 |
| Tier 1 risk-based capital ratio | 11.9106% | 4,471 |
| Total risk-based capital ratio | 13.1649% | 4,350 |
| Memoranda: | ||
| Average total assets | $84,543,000 | 4,299 |
| Average earning assets | $80,723,000 | 4,253 |
| Average equity | $7,542,330 | 4,641 |
| Average total loans | $68,073,670 | 3,877 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2801% | 140 |
| Cost of funding earning assets | 0.8631% | 2,193 |
| Net interest margin | 5.4170% | 147 |
| Noninterest income to average assets | 0.7914% | 1,314 |
| Noninterest expense to average assets | 3.9665% | 560 |
| Loan and lease loss provision to assets | 0.3787% | 307 |
| Net operating income to assets | 1.6264% | 845 |
| Return on assets (ROA) | 1.6264% | 877 |
| Pretax return on assets | 1.6264% | 1,401 |
| Return on Equity (ROE) | 17.9637% | 403 |
| Retained earnings to average equity (ytd only) | -13.9420% | 5,192 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4228% | 2,880 |
| Assets per employee ($millions) | 3.5716% | 4,494 |
| Cash dividends to net income (ytd only)* | 177.6119% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,386 |
| Loan loss allowance to noncurrent loans | 662.9139% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 3,204 |
| Noncurrent loans to loans | 0.2237% | 3,787 |
| Net loans and leases to total assets | 77.5802% | 1,221 |
| Net loans and leases to deposits | 84.9886% | 2,256 |
| Net loans and leases to core deposits | 93.4883% | 2,173 |
| Total domestic deposits to total assets | 91.2831% | 123 |
| Equity capital to assets | 8.5279% | 4,969 |
| Core capital (leverage) ratio | 9.0240% | 4,638 |
| Tier 1 risk-based capital ratio | 11.9064% | 4,514 |
| Total risk-based capital ratio | 13.1606% | 4,406 |
| Memoranda: | ||
| Average total assets | $82,390,500 | 4,377 |
| Average earning assets | $78,788,500 | 4,330 |
| Average equity | $7,459,500 | 4,687 |
| Average total loans | $66,485,500 | 3,955 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2849% | 118 |
| Cost of funding earning assets | 0.6046% | 2,682 |
| Net interest margin | 5.6803% | 93 |
| Noninterest income to average assets | 1.1572% | 690 |
| Noninterest expense to average assets | 3.9626% | 563 |
| Loan and lease loss provision to assets | 0.3776% | 380 |
| Net operating income to assets | 2.2281% | 239 |
| Return on assets (ROA) | 2.2281% | 234 |
| Pretax return on assets | 2.2281% | 336 |
| Return on Equity (ROE) | 24.0095% | 104 |
| Retained earnings to average equity (ytd only) | 18.5158% | 46 |
| Net charge-offs to loans | 0.0734% | 2,069 |
| Credit loss provision to net charge-offs | 636.3636% | 545 |
| Earnings coverage of net charge-offs (x) | 43.9091% | 1,230 |
| Efficiency ratio | 60.3285% | 3,801 |
| Assets per employee ($millions) | 3.4375% | 4,623 |
| Cash dividends to net income (ytd only)* | 22.8814% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 1,597 |
| Loan loss allowance to noncurrent loans | 234.2640% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 2,013 |
| Noncurrent loans to loans | 0.6018% | 2,476 |
| Net loans and leases to total assets | 81.6397% | 709 |
| Net loans and leases to deposits | 90.6583% | 1,715 |
| Net loans and leases to core deposits | 99.5988% | 1,747 |
| Total domestic deposits to total assets | 90.0521% | 460 |
| Equity capital to assets | 9.6241% | 4,026 |
| Core capital (leverage) ratio | 9.6273% | 3,978 |
| Tier 1 risk-based capital ratio | 12.7396% | 3,997 |
| Total risk-based capital ratio | 13.9926% | 3,874 |
| Memoranda: | ||
| Average total assets | $74,143,400 | 4,524 |
| Average earning assets | $70,629,600 | 4,485 |
| Average equity | $6,880,600 | 4,765 |
| Average total loans | $59,906,000 | 4,094 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2707% | 111 |
| Cost of funding earning assets | 0.5495% | 2,860 |
| Net interest margin | 5.7213% | 84 |
| Noninterest income to average assets | 1.2800% | 591 |
| Noninterest expense to average assets | 3.9461% | 562 |
| Loan and lease loss provision to assets | 0.3291% | 427 |
| Net operating income to assets | 2.4503% | 173 |
| Return on assets (ROA) | 2.4503% | 173 |
| Pretax return on assets | 2.4503% | 254 |
| Return on Equity (ROE) | 26.6719% | 60 |
| Retained earnings to average equity (ytd only) | 19.1480% | 67 |
| Net charge-offs to loans | 0.0592% | 1,974 |
| Credit loss provision to net charge-offs | 692.3077% | 533 |
| Earnings coverage of net charge-offs (x) | 58.4546% | 1,073 |
| Efficiency ratio | 58.6732% | 4,015 |
| Assets per employee ($millions) | 3.4012% | 4,684 |
| Cash dividends to net income (ytd only)* | 28.2091% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 1,929 |
| Loan loss allowance to noncurrent loans | 627.6119% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.9549% | 1,532 |
| Noncurrent loans to loans | 0.2130% | 3,945 |
| Net loans and leases to total assets | 79.3345% | 1,117 |
| Net loans and leases to deposits | 87.7274% | 2,183 |
| Net loans and leases to core deposits | 96.5765% | 2,061 |
| Total domestic deposits to total assets | 90.4330% | 369 |
| Equity capital to assets | 9.2986% | 4,275 |
| Core capital (leverage) ratio | 9.6368% | 4,002 |
| Tier 1 risk-based capital ratio | 12.6755% | 4,097 |
| Total risk-based capital ratio | 13.9287% | 3,994 |
| Memoranda: | ||
| Average total assets | $72,913,750 | 4,591 |
| Average earning assets | $69,400,000 | 4,548 |
| Average equity | $6,698,500 | 4,845 |
| Average total loans | $58,515,250 | 4,172 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2164% | 108 |
| Cost of funding earning assets | 0.5008% | 3,005 |
| Net interest margin | 5.7155% | 89 |
| Noninterest income to average assets | 1.5406% | 406 |
| Noninterest expense to average assets | 3.8795% | 619 |
| Loan and lease loss provision to assets | 0.2811% | 511 |
| Net operating income to assets | 2.8337% | 97 |
| Return on assets (ROA) | 2.8337% | 97 |
| Pretax return on assets | 2.8337% | 137 |
| Return on Equity (ROE) | 30.9836% | 33 |
| Retained earnings to average equity (ytd only) | 19.3647% | 76 |
| Net charge-offs to loans | -0.3330% | 5,398 |
| Credit loss provision to net charge-offs | -105.2632% | 4,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4662% | 4,541 |
| Assets per employee ($millions) | 3.2793% | 4,839 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,418 |
| Loan loss allowance to noncurrent loans | 1,837.5000% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 3,671 |
| Noncurrent loans to loans | 0.0813% | 4,546 |
| Net loans and leases to total assets | 77.1213% | 1,450 |
| Net loans and leases to deposits | 85.1380% | 2,417 |
| Net loans and leases to core deposits | 94.0727% | 2,214 |
| Total domestic deposits to total assets | 90.5839% | 368 |
| Equity capital to assets | 9.2186% | 4,362 |
| Core capital (leverage) ratio | 9.4994% | 4,115 |
| Tier 1 risk-based capital ratio | 12.8842% | 3,957 |
| Total risk-based capital ratio | 14.1391% | 3,874 |
| Memoranda: | ||
| Average total assets | $71,142,670 | 4,667 |
| Average earning assets | $67,885,000 | 4,624 |
| Average equity | $6,506,670 | 4,930 |
| Average total loans | $57,053,000 | 4,242 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3652% | 84 |
| Cost of funding earning assets | 0.4742% | 3,010 |
| Net interest margin | 5.8910% | 76 |
| Noninterest income to average assets | 0.8464% | 1,314 |
| Noninterest expense to average assets | 3.9187% | 577 |
| Loan and lease loss provision to assets | 0.2319% | 669 |
| Net operating income to assets | 2.3130% | 201 |
| Return on assets (ROA) | 2.3130% | 202 |
| Pretax return on assets | 2.3130% | 309 |
| Return on Equity (ROE) | 25.3999% | 81 |
| Retained earnings to average equity (ytd only) | 1.4005% | 4,517 |
| Net charge-offs to loans | -0.6708% | 5,515 |
| Credit loss provision to net charge-offs | -42.5532% | 3,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6278% | 3,987 |
| Assets per employee ($millions) | 3.4069% | 4,784 |
| Cash dividends to net income (ytd only)* | 94.4862% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 1,713 |
| Loan loss allowance to noncurrent loans | 821.0000% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 3,390 |
| Noncurrent loans to loans | 0.1747% | 4,197 |
| Net loans and leases to total assets | 78.8553% | 1,103 |
| Net loans and leases to deposits | 86.6275% | 2,088 |
| Net loans and leases to core deposits | 92.7576% | 2,238 |
| Total domestic deposits to total assets | 91.0280% | 310 |
| Equity capital to assets | 8.8727% | 4,688 |
| Core capital (leverage) ratio | 9.3582% | 4,248 |
| Tier 1 risk-based capital ratio | 12.2203% | 4,420 |
| Total risk-based capital ratio | 13.4741% | 4,315 |
| Memoranda: | ||
| Average total assets | $69,002,000 | 4,753 |
| Average earning assets | $65,795,000 | 4,718 |
| Average equity | $6,283,500 | 5,011 |
| Average total loans | $56,054,500 | 4,306 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8359% | 162 |
| Cost of funding earning assets | 0.3843% | 3,390 |
| Net interest margin | 5.4516% | 112 |
| Noninterest income to average assets | 0.9250% | 1,202 |
| Noninterest expense to average assets | 4.1004% | 469 |
| Loan and lease loss provision to assets | 0.2245% | 876 |
| Net operating income to assets | 1.7578% | 472 |
| Return on assets (ROA) | 1.7578% | 478 |
| Pretax return on assets | 1.7578% | 883 |
| Return on Equity (ROE) | 18.3199% | 282 |
| Retained earnings to average equity (ytd only) | 14.1111% | 103 |
| Net charge-offs to loans | 0.1161% | 1,885 |
| Credit loss provision to net charge-offs | 243.6364% | 1,134 |
| Earnings coverage of net charge-offs (x) | 21.5091% | 1,900 |
| Efficiency ratio | 67.4105% | 3,016 |
| Assets per employee ($millions) | 3.3230% | 4,914 |
| Cash dividends to net income (ytd only)* | 22.9743% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,458 |
| Loan loss allowance to noncurrent loans | 501.4599% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 3,088 |
| Noncurrent loans to loans | 0.2497% | 3,896 |
| Net loans and leases to total assets | 81.5300% | 750 |
| Net loans and leases to deposits | 90.1429% | 1,757 |
| Net loans and leases to core deposits | 95.3944% | 2,083 |
| Total domestic deposits to total assets | 90.4452% | 412 |
| Equity capital to assets | 9.3576% | 4,372 |
| Core capital (leverage) ratio | 9.3683% | 4,206 |
| Tier 1 risk-based capital ratio | 12.4282% | 4,248 |
| Total risk-based capital ratio | 13.6788% | 4,150 |
| Memoranda: | ||
| Average total assets | $59,677,800 | 4,972 |
| Average earning assets | $56,460,600 | 4,938 |
| Average equity | $5,726,000 | 5,143 |
| Average total loans | $47,382,800 | 4,532 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7775% | 166 |
| Cost of funding earning assets | 0.3529% | 3,636 |
| Net interest margin | 5.4246% | 116 |
| Noninterest income to average assets | 0.9497% | 1,142 |
| Noninterest expense to average assets | 4.1000% | 460 |
| Loan and lease loss provision to assets | 0.2231% | 830 |
| Net operating income to assets | 1.7522% | 520 |
| Return on assets (ROA) | 1.7522% | 533 |
| Pretax return on assets | 1.7522% | 996 |
| Return on Equity (ROE) | 18.1334% | 323 |
| Retained earnings to average equity (ytd only) | 12.3984% | 267 |
| Net charge-offs to loans | 0.1611% | 1,274 |
| Credit loss provision to net charge-offs | 176.3636% | 1,496 |
| Earnings coverage of net charge-offs (x) | 15.6184% | 2,215 |
| Efficiency ratio | 67.4868% | 2,969 |
| Assets per employee ($millions) | 3.0842% | 5,192 |
| Cash dividends to net income (ytd only)* | 31.6279% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 2,374 |
| Loan loss allowance to noncurrent loans | 691.4894% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 3,465 |
| Noncurrent loans to loans | 0.1873% | 4,322 |
| Net loans and leases to total assets | 76.4687% | 1,505 |
| Net loans and leases to deposits | 84.3690% | 2,516 |
| Net loans and leases to core deposits | 88.9911% | 2,691 |
| Total domestic deposits to total assets | 90.6360% | 284 |
| Equity capital to assets | 9.1803% | 4,742 |
| Core capital (leverage) ratio | 9.7809% | 3,846 |
| Tier 1 risk-based capital ratio | 12.7650% | 4,159 |
| Total risk-based capital ratio | 14.0170% | 4,060 |
| Memoranda: | ||
| Average total assets | $57,982,500 | 5,062 |
| Average earning assets | $54,786,250 | 5,033 |
| Average equity | $5,602,750 | 5,222 |
| Average total loans | $45,510,750 | 4,624 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7990% | 167 |
| Cost of funding earning assets | 0.3393% | 3,699 |
| Net interest margin | 5.4596% | 107 |
| Noninterest income to average assets | 0.9368% | 1,162 |
| Noninterest expense to average assets | 4.1062% | 463 |
| Loan and lease loss provision to assets | 0.2477% | 676 |
| Net operating income to assets | 1.7229% | 537 |
| Return on assets (ROA) | 1.7229% | 542 |
| Pretax return on assets | 1.7229% | 1,004 |
| Return on Equity (ROE) | 17.4917% | 370 |
| Retained earnings to average equity (ytd only) | 8.7094% | 935 |
| Net charge-offs to loans | -0.0182% | 4,747 |
| Credit loss provision to net charge-offs | -1,725.0000% | 4,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5724% | 3,082 |
| Assets per employee ($millions) | 3.1906% | 5,111 |
| Cash dividends to net income (ytd only)* | 50.2083% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 1,856 |
| Loan loss allowance to noncurrent loans | 368.1081% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 2,867 |
| Noncurrent loans to loans | 0.3863% | 3,642 |
| Net loans and leases to total assets | 77.8793% | 1,262 |
| Net loans and leases to deposits | 86.0434% | 2,210 |
| Net loans and leases to core deposits | 87.9738% | 2,701 |
| Total domestic deposits to total assets | 90.5117% | 354 |
| Equity capital to assets | 9.3464% | 4,570 |
| Core capital (leverage) ratio | 9.3484% | 4,296 |
| Tier 1 risk-based capital ratio | 12.7939% | 4,126 |
| Total risk-based capital ratio | 14.0477% | 4,031 |
| Memoranda: | ||
| Average total assets | $55,720,330 | 5,144 |
| Average earning assets | $52,457,670 | 5,114 |
| Average equity | $5,488,330 | 5,278 |
| Average total loans | $43,955,000 | 4,688 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7719% | 165 |
| Cost of funding earning assets | 0.3353% | 3,698 |
| Net interest margin | 5.4366% | 116 |
| Noninterest income to average assets | 0.9912% | 1,023 |
| Noninterest expense to average assets | 4.3327% | 376 |
| Loan and lease loss provision to assets | 0.2553% | 576 |
| Net operating income to assets | 1.5168% | 784 |
| Return on assets (ROA) | 1.5168% | 812 |
| Pretax return on assets | 1.5168% | 1,485 |
| Return on Equity (ROE) | 14.9643% | 653 |
| Retained earnings to average equity (ytd only) | -2.8151% | 5,248 |
| Net charge-offs to loans | -0.0095% | 4,401 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9717% | 2,744 |
| Assets per employee ($millions) | 2.8946% | 5,434 |
| Cash dividends to net income (ytd only)* | 118.8119% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 1,743 |
| Loan loss allowance to noncurrent loans | 206.7524% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.8619% | 2,150 |
| Noncurrent loans to loans | 0.7184% | 2,698 |
| Net loans and leases to total assets | 77.5442% | 1,193 |
| Net loans and leases to deposits | 86.0843% | 2,025 |
| Net loans and leases to core deposits | 88.2248% | 2,530 |
| Total domestic deposits to total assets | 90.0795% | 623 |
| Equity capital to assets | 9.7842% | 3,990 |
| Core capital (leverage) ratio | 9.8417% | 3,704 |
| Tier 1 risk-based capital ratio | 13.2981% | 3,889 |
| Total risk-based capital ratio | 14.5523% | 3,807 |
| Memoranda: | ||
| Average total assets | $53,269,500 | 5,240 |
| Average earning assets | $50,105,000 | 5,212 |
| Average equity | $5,399,500 | 5,342 |
| Average total loans | $41,986,000 | 4,791 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6897% | 194 |
| Cost of funding earning assets | 0.2792% | 4,260 |
| Net interest margin | 5.4106% | 124 |
| Noninterest income to average assets | 1.0846% | 963 |
| Noninterest expense to average assets | 4.5007% | 376 |
| Loan and lease loss provision to assets | 0.1625% | 1,520 |
| Net operating income to assets | 1.4918% | 840 |
| Return on assets (ROA) | 1.4918% | 864 |
| Pretax return on assets | 1.4918% | 1,606 |
| Return on Equity (ROE) | 15.6388% | 543 |
| Retained earnings to average equity (ytd only) | 11.4581% | 263 |
| Net charge-offs to loans | 0.0082% | 3,983 |
| Credit loss provision to net charge-offs | 2,566.6667% | 160 |
| Earnings coverage of net charge-offs (x) | 261.3333% | 276 |
| Efficiency ratio | 73.1231% | 2,411 |
| Assets per employee ($millions) | 2.5771% | 5,626 |
| Cash dividends to net income (ytd only)* | 26.7327% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 1,690 |
| Loan loss allowance to noncurrent loans | 179.3510% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.9740% | 1,946 |
| Noncurrent loans to loans | 0.8333% | 2,438 |
| Net loans and leases to total assets | 77.7502% | 1,239 |
| Net loans and leases to deposits | 87.1572% | 2,028 |
| Net loans and leases to core deposits | 88.7830% | 2,603 |
| Total domestic deposits to total assets | 89.2069% | 1,008 |
| Equity capital to assets | 10.5118% | 3,141 |
| Core capital (leverage) ratio | 10.6694% | 2,699 |
| Tier 1 risk-based capital ratio | 14.2398% | 3,323 |
| Total risk-based capital ratio | 15.4943% | 3,252 |
| Memoranda: | ||
| Average total assets | $47,392,400 | 5,397 |
| Average earning assets | $44,413,200 | 5,366 |
| Average equity | $4,520,800 | 5,553 |
| Average total loans | $36,711,400 | 4,996 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6541% | 205 |
| Cost of funding earning assets | 0.2672% | 4,422 |
| Net interest margin | 5.3869% | 134 |
| Noninterest income to average assets | 1.0757% | 978 |
| Noninterest expense to average assets | 4.4726% | 394 |
| Loan and lease loss provision to assets | 0.1438% | 1,628 |
| Net operating income to assets | 1.5043% | 871 |
| Return on assets (ROA) | 1.5043% | 925 |
| Pretax return on assets | 1.5043% | 1,701 |
| Return on Equity (ROE) | 16.2300% | 520 |
| Retained earnings to average equity (ytd only) | 10.3647% | 504 |
| Net charge-offs to loans | 0.0149% | 3,432 |
| Credit loss provision to net charge-offs | 1,250.0000% | 335 |
| Earnings coverage of net charge-offs (x) | 143.3358% | 485 |
| Efficiency ratio | 73.0733% | 2,429 |
| Assets per employee ($millions) | 2.7599% | 5,572 |
| Cash dividends to net income (ytd only)* | 36.1369% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 1,883 |
| Loan loss allowance to noncurrent loans | 175.2266% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 2,083 |
| Noncurrent loans to loans | 0.8393% | 2,583 |
| Net loans and leases to total assets | 78.2161% | 1,156 |
| Net loans and leases to deposits | 86.2722% | 2,235 |
| Net loans and leases to core deposits | 87.9118% | 2,773 |
| Total domestic deposits to total assets | 90.6621% | 285 |
| Equity capital to assets | 8.9897% | 5,188 |
| Core capital (leverage) ratio | 9.2789% | 4,486 |
| Tier 1 risk-based capital ratio | 12.0751% | 4,743 |
| Total risk-based capital ratio | 13.3293% | 4,646 |
| Memoranda: | ||
| Average total assets | $46,355,000 | 5,470 |
| Average earning assets | $43,413,000 | 5,443 |
| Average equity | $4,296,500 | 5,653 |
| Average total loans | $35,718,750 | 5,073 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6044% | 215 |
| Cost of funding earning assets | 0.2550% | 4,607 |
| Net interest margin | 5.3495% | 140 |
| Noninterest income to average assets | 1.0918% | 941 |
| Noninterest expense to average assets | 4.5130% | 384 |
| Loan and lease loss provision to assets | 0.1061% | 2,089 |
| Net operating income to assets | 1.4808% | 924 |
| Return on assets (ROA) | 1.4808% | 975 |
| Pretax return on assets | 1.4808% | 1,738 |
| Return on Equity (ROE) | 15.8019% | 561 |
| Retained earnings to average equity (ytd only) | 6.8868% | 1,669 |
| Net charge-offs to loans | 0.0232% | 3,028 |
| Credit loss provision to net charge-offs | 600.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 89.7500% | 637 |
| Efficiency ratio | 73.9855% | 2,361 |
| Assets per employee ($millions) | 2.5341% | 5,765 |
| Cash dividends to net income (ytd only)* | 56.4179% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,691 |
| Loan loss allowance to noncurrent loans | 173.1250% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 1.3549% | 1,471 |
| Noncurrent loans to loans | 0.8934% | 2,494 |
| Net loans and leases to total assets | 77.3113% | 1,289 |
| Net loans and leases to deposits | 85.6380% | 2,292 |
| Net loans and leases to core deposits | 87.4191% | 2,784 |
| Total domestic deposits to total assets | 90.2769% | 392 |
| Equity capital to assets | 9.3986% | 4,867 |
| Core capital (leverage) ratio | 9.2017% | 4,592 |
| Tier 1 risk-based capital ratio | 12.4415% | 4,564 |
| Total risk-based capital ratio | 13.6948% | 4,471 |
| Memoranda: | ||
| Average total assets | $45,247,000 | 5,553 |
| Average earning assets | $42,359,330 | 5,532 |
| Average equity | $4,240,000 | 5,722 |
| Average total loans | $34,479,330 | 5,160 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5152% | 249 |
| Cost of funding earning assets | 0.2464% | 4,741 |
| Net interest margin | 5.2688% | 158 |
| Noninterest income to average assets | 1.0740% | 938 |
| Noninterest expense to average assets | 4.5180% | 390 |
| Loan and lease loss provision to assets | 0.0533% | 2,874 |
| Net operating income to assets | 1.4380% | 970 |
| Return on assets (ROA) | 1.4380% | 1,016 |
| Pretax return on assets | 1.4380% | 1,786 |
| Return on Equity (ROE) | 15.3682% | 616 |
| Retained earnings to average equity (ytd only) | 15.3682% | 227 |
| Net charge-offs to loans | 0.0710% | 1,769 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,227 |
| Efficiency ratio | 75.1846% | 2,300 |
| Assets per employee ($millions) | 3.1005% | 5,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 1,933 |
| Loan loss allowance to noncurrent loans | 164.3077% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 1.3396% | 1,589 |
| Noncurrent loans to loans | 0.9199% | 2,553 |
| Net loans and leases to total assets | 74.8151% | 1,596 |
| Net loans and leases to deposits | 82.7369% | 2,463 |
| Net loans and leases to core deposits | 84.4191% | 2,898 |
| Total domestic deposits to total assets | 90.4253% | 452 |
| Equity capital to assets | 9.2199% | 4,972 |
| Core capital (leverage) ratio | 9.4127% | 4,334 |
| Tier 1 risk-based capital ratio | 12.6485% | 4,487 |
| Total risk-based capital ratio | 13.9024% | 4,395 |
| Memoranda: | ||
| Average total assets | $45,064,000 | 5,614 |
| Average earning assets | $42,211,000 | 5,590 |
| Average equity | $4,216,500 | 5,771 |
| Average total loans | $33,810,000 | 5,219 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6852% | 202 |
| Cost of funding earning assets | 0.2328% | 4,978 |
| Net interest margin | 5.4524% | 133 |
| Noninterest income to average assets | 1.0272% | 1,124 |
| Noninterest expense to average assets | 4.5562% | 396 |
| Loan and lease loss provision to assets | 0.2089% | 1,010 |
| Net operating income to assets | 1.3271% | 1,210 |
| Return on assets (ROA) | 1.3271% | 1,250 |
| Pretax return on assets | 1.3271% | 2,170 |
| Return on Equity (ROE) | 14.6151% | 747 |
| Retained earnings to average equity (ytd only) | 14.6151% | 144 |
| Net charge-offs to loans | 0.0172% | 3,940 |
| Credit loss provision to net charge-offs | 1,700.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 487 |
| Efficiency ratio | 74.7882% | 2,459 |
| Assets per employee ($millions) | 3.1157% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 1,462 |
| Loan loss allowance to noncurrent loans | 162.8049% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 1,947 |
| Noncurrent loans to loans | 1.0158% | 2,309 |
| Net loans and leases to total assets | 72.8038% | 1,919 |
| Net loans and leases to deposits | 80.8292% | 2,731 |
| Net loans and leases to core deposits | 82.0552% | 3,141 |
| Total domestic deposits to total assets | 90.0711% | 605 |
| Equity capital to assets | 9.5025% | 4,546 |
| Core capital (leverage) ratio | 9.6705% | 3,947 |
| Tier 1 risk-based capital ratio | 13.5678% | 3,968 |
| Total risk-based capital ratio | 14.8233% | 3,899 |
| Memoranda: | ||
| Average total assets | $40,691,400 | 5,749 |
| Average earning assets | $37,799,800 | 5,734 |
| Average equity | $3,694,800 | 5,903 |
| Average total loans | $29,014,200 | 5,402 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7452% | 182 |
| Cost of funding earning assets | 0.2305% | 5,087 |
| Net interest margin | 5.5147% | 125 |
| Noninterest income to average assets | 1.1712% | 876 |
| Noninterest expense to average assets | 4.4044% | 435 |
| Loan and lease loss provision to assets | 0.1835% | 1,129 |
| Net operating income to assets | 1.6917% | 638 |
| Return on assets (ROA) | 1.6917% | 661 |
| Pretax return on assets | 1.6917% | 1,130 |
| Return on Equity (ROE) | 18.8703% | 346 |
| Retained earnings to average equity (ytd only) | 18.8703% | 78 |
| Net charge-offs to loans | -0.0284% | 5,332 |
| Credit loss provision to net charge-offs | -916.6667% | 5,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1382% | 3,186 |
| Assets per employee ($millions) | 2.9352% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 1,359 |
| Loan loss allowance to noncurrent loans | 200.3891% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 1.3652% | 1,696 |
| Noncurrent loans to loans | 0.8742% | 2,796 |
| Net loans and leases to total assets | 70.2845% | 2,346 |
| Net loans and leases to deposits | 77.9962% | 3,098 |
| Net loans and leases to core deposits | 79.2504% | 3,484 |
| Total domestic deposits to total assets | 90.1127% | 532 |
| Equity capital to assets | 9.4469% | 4,814 |
| Core capital (leverage) ratio | 9.9983% | 3,625 |
| Tier 1 risk-based capital ratio | 14.9025% | 3,343 |
| Total risk-based capital ratio | 16.1604% | 3,291 |
| Memoranda: | ||
| Average total assets | $39,959,250 | 5,840 |
| Average earning assets | $37,015,500 | 5,823 |
| Average equity | $3,582,250 | 5,993 |
| Average total loans | $28,195,000 | 5,497 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 303 |
| Cost of funding earning assets | 0.2297% | 5,150 |
| Net interest margin | 5.1902% | 185 |
| Noninterest income to average assets | 1.1420% | 919 |
| Noninterest expense to average assets | 4.2899% | 498 |
| Loan and lease loss provision to assets | 0.1516% | 1,406 |
| Net operating income to assets | 1.4957% | 902 |
| Return on assets (ROA) | 1.4957% | 948 |
| Pretax return on assets | 1.4957% | 1,659 |
| Return on Equity (ROE) | 17.0001% | 489 |
| Retained earnings to average equity (ytd only) | 17.0001% | 126 |
| Net charge-offs to loans | -0.0360% | 5,403 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2553% | 2,968 |
| Assets per employee ($millions) | 2.6654% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 1,534 |
| Loan loss allowance to noncurrent loans | 195.6000% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 1.3857% | 1,810 |
| Noncurrent loans to loans | 0.8851% | 2,915 |
| Net loans and leases to total assets | 69.4205% | 2,422 |
| Net loans and leases to deposits | 76.8347% | 3,176 |
| Net loans and leases to core deposits | 78.0249% | 3,566 |
| Total domestic deposits to total assets | 90.3504% | 515 |
| Equity capital to assets | 9.0868% | 5,160 |
| Core capital (leverage) ratio | 9.6495% | 4,073 |
| Tier 1 risk-based capital ratio | 14.7069% | 3,523 |
| Total risk-based capital ratio | 15.9628% | 3,446 |
| Memoranda: | ||
| Average total assets | $39,581,330 | 5,909 |
| Average earning assets | $36,569,000 | 5,895 |
| Average equity | $3,482,330 | 6,070 |
| Average total loans | $27,794,330 | 5,567 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3314% | 335 |
| Cost of funding earning assets | 0.2203% | 5,316 |
| Net interest margin | 5.1111% | 204 |
| Noninterest income to average assets | 1.1477% | 868 |
| Noninterest expense to average assets | 4.3066% | 495 |
| Loan and lease loss provision to assets | 0.1524% | 1,338 |
| Net operating income to assets | 1.4017% | 1,031 |
| Return on assets (ROA) | 1.4017% | 1,083 |
| Pretax return on assets | 1.4017% | 1,885 |
| Return on Equity (ROE) | 16.2019% | 542 |
| Retained earnings to average equity (ytd only) | 16.2019% | 208 |
| Net charge-offs to loans | -0.0145% | 4,897 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4835% | 2,905 |
| Assets per employee ($millions) | 2.6415% | 6,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 1,824 |
| Loan loss allowance to noncurrent loans | 182.1705% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 1.6783% | 1,504 |
| Noncurrent loans to loans | 0.9154% | 2,953 |
| Net loans and leases to total assets | 69.9417% | 2,148 |
| Net loans and leases to deposits | 77.0212% | 2,939 |
| Net loans and leases to core deposits | 77.7211% | 3,410 |
| Total domestic deposits to total assets | 90.8084% | 436 |
| Equity capital to assets | 8.8004% | 5,500 |
| Core capital (leverage) ratio | 9.4640% | 4,331 |
| Tier 1 risk-based capital ratio | 13.9181% | 4,075 |
| Total risk-based capital ratio | 15.1727% | 3,996 |
| Memoranda: | ||
| Average total assets | $39,381,500 | 5,971 |
| Average earning assets | $36,313,000 | 5,958 |
| Average equity | $3,407,000 | 6,138 |
| Average total loans | $27,569,500 | 5,614 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4314% | 357 |
| Cost of funding earning assets | 0.2481% | 5,346 |
| Net interest margin | 5.1833% | 212 |
| Noninterest income to average assets | 1.0410% | 1,133 |
| Noninterest expense to average assets | 4.4423% | 487 |
| Loan and lease loss provision to assets | 0.0406% | 3,767 |
| Net operating income to assets | 1.3032% | 1,300 |
| Return on assets (ROA) | 1.3032% | 1,347 |
| Pretax return on assets | 1.3032% | 2,231 |
| Return on Equity (ROE) | 15.5564% | 691 |
| Retained earnings to average equity (ytd only) | 15.5564% | 134 |
| Net charge-offs to loans | -0.0234% | 5,730 |
| Credit loss provision to net charge-offs | -250.0000% | 5,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7757% | 2,397 |
| Assets per employee ($millions) | 2.7957% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 1,813 |
| Loan loss allowance to noncurrent loans | 171.9697% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.7144% | 1,559 |
| Noncurrent loans to loans | 0.9794% | 2,879 |
| Net loans and leases to total assets | 67.7108% | 2,603 |
| Net loans and leases to deposits | 74.5506% | 3,369 |
| Net loans and leases to core deposits | 75.2363% | 3,798 |
| Total domestic deposits to total assets | 90.8252% | 422 |
| Equity capital to assets | 8.5003% | 5,756 |
| Core capital (leverage) ratio | 9.2354% | 4,624 |
| Tier 1 risk-based capital ratio | 13.9463% | 4,127 |
| Total risk-based capital ratio | 15.2012% | 4,057 |
| Memoranda: | ||
| Average total assets | $36,985,200 | 6,105 |
| Average earning assets | $33,858,800 | 6,098 |
| Average equity | $3,098,400 | 6,250 |
| Average total loans | $25,669,800 | 5,750 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3901% | 386 |
| Cost of funding earning assets | 0.2479% | 5,431 |
| Net interest margin | 5.1422% | 225 |
| Noninterest income to average assets | 0.9950% | 1,239 |
| Noninterest expense to average assets | 4.1887% | 617 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5108% | 916 |
| Return on assets (ROA) | 1.5108% | 948 |
| Pretax return on assets | 1.5108% | 1,612 |
| Return on Equity (ROE) | 18.1060% | 432 |
| Retained earnings to average equity (ytd only) | 18.1060% | 107 |
| Net charge-offs to loans | -0.0210% | 5,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4917% | 2,903 |
| Assets per employee ($millions) | 2.6875% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6326% | 2,192 |
| Loan loss allowance to noncurrent loans | 138.7302% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 2.0731% | 1,361 |
| Noncurrent loans to loans | 1.1768% | 2,711 |
| Net loans and leases to total assets | 69.9801% | 2,195 |
| Net loans and leases to deposits | 77.1847% | 3,050 |
| Net loans and leases to core deposits | 77.9248% | 3,545 |
| Total domestic deposits to total assets | 90.6658% | 464 |
| Equity capital to assets | 8.6565% | 5,676 |
| Core capital (leverage) ratio | 9.2597% | 4,696 |
| Tier 1 risk-based capital ratio | 13.8282% | 4,338 |
| Total risk-based capital ratio | 15.0853% | 4,268 |
| Memoranda: | ||
| Average total assets | $36,446,500 | 6,189 |
| Average earning assets | $33,344,000 | 6,181 |
| Average equity | $3,041,250 | 6,333 |
| Average total loans | $25,348,250 | 5,826 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3945% | 375 |
| Cost of funding earning assets | 0.2554% | 5,431 |
| Net interest margin | 5.1391% | 224 |
| Noninterest income to average assets | 0.8210% | 1,760 |
| Noninterest expense to average assets | 4.1050% | 674 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4035% | 1,056 |
| Return on assets (ROA) | 1.4035% | 1,095 |
| Pretax return on assets | 1.4035% | 1,880 |
| Return on Equity (ROE) | 17.0409% | 547 |
| Retained earnings to average equity (ytd only) | 17.0409% | 142 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5217% | 2,890 |
| Assets per employee ($millions) | 2.6222% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6770% | 2,198 |
| Loan loss allowance to noncurrent loans | 150.3472% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 2.1193% | 1,461 |
| Noncurrent loans to loans | 1.1154% | 2,988 |
| Net loans and leases to total assets | 69.1537% | 2,209 |
| Net loans and leases to deposits | 76.1184% | 3,039 |
| Net loans and leases to core deposits | 76.1184% | 3,618 |
| Total domestic deposits to total assets | 90.8502% | 454 |
| Equity capital to assets | 8.4634% | 5,827 |
| Core capital (leverage) ratio | 8.9957% | 5,023 |
| Tier 1 risk-based capital ratio | 13.7284% | 4,429 |
| Total risk-based capital ratio | 14.9832% | 4,373 |
| Memoranda: | ||
| Average total assets | $36,053,670 | 6,263 |
| Average earning assets | $32,885,330 | 6,252 |
| Average equity | $2,969,330 | 6,404 |
| Average total loans | $24,875,330 | 5,890 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2576% | 443 |
| Cost of funding earning assets | 0.2468% | 5,610 |
| Net interest margin | 5.0108% | 266 |
| Noninterest income to average assets | 0.9181% | 1,338 |
| Noninterest expense to average assets | 4.0308% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4332% | 930 |
| Return on assets (ROA) | 1.4332% | 967 |
| Pretax return on assets | 1.4332% | 1,629 |
| Return on Equity (ROE) | 17.6521% | 466 |
| Retained earnings to average equity (ytd only) | 17.6521% | 193 |
| Net charge-offs to loans | 0.0164% | 3,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 382 |
| Efficiency ratio | 73.7705% | 3,186 |
| Assets per employee ($millions) | 2.6371% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7496% | 2,198 |
| Loan loss allowance to noncurrent loans | 121.0084% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 3.1419% | 875 |
| Noncurrent loans to loans | 1.4459% | 2,618 |
| Net loans and leases to total assets | 65.7069% | 2,618 |
| Net loans and leases to deposits | 71.9382% | 3,341 |
| Net loans and leases to core deposits | 71.9382% | 3,875 |
| Total domestic deposits to total assets | 91.3380% | 439 |
| Equity capital to assets | 8.0282% | 6,036 |
| Core capital (leverage) ratio | 9.0128% | 4,989 |
| Tier 1 risk-based capital ratio | 13.5589% | 4,641 |
| Total risk-based capital ratio | 14.8170% | 4,579 |
| Memoranda: | ||
| Average total assets | $35,725,000 | 6,339 |
| Average earning assets | $32,410,000 | 6,330 |
| Average equity | $2,900,500 | 6,473 |
| Average total loans | $24,403,000 | 5,966 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1090% | 753 |
| Cost of funding earning assets | 0.3303% | 5,321 |
| Net interest margin | 4.7788% | 449 |
| Noninterest income to average assets | 0.8944% | 1,696 |
| Noninterest expense to average assets | 4.5341% | 515 |
| Loan and lease loss provision to assets | 0.0977% | 3,170 |
| Net operating income to assets | 0.4620% | 4,901 |
| Return on assets (ROA) | 0.5982% | 4,385 |
| Pretax return on assets | 0.5982% | 4,877 |
| Return on Equity (ROE) | 7.6014% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.6014% | 1,196 |
| Net charge-offs to loans | -0.0541% | 6,350 |
| Credit loss provision to net charge-offs | -275.0000% | 6,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0116% | 1,106 |
| Assets per employee ($millions) | 2.6562% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7956% | 2,075 |
| Loan loss allowance to noncurrent loans | 117.3442% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 3.5274% | 826 |
| Noncurrent loans to loans | 1.5302% | 2,596 |
| Net loans and leases to total assets | 68.5838% | 2,240 |
| Net loans and leases to deposits | 75.3460% | 3,051 |
| Net loans and leases to core deposits | 75.3460% | 3,688 |
| Total domestic deposits to total assets | 91.0252% | 557 |
| Equity capital to assets | 8.2160% | 5,862 |
| Core capital (leverage) ratio | 8.8128% | 5,259 |
| Tier 1 risk-based capital ratio | 13.3963% | 4,722 |
| Total risk-based capital ratio | 14.6563% | 4,665 |
| Memoranda: | ||
| Average total assets | $33,766,400 | 6,436 |
| Average earning assets | $29,673,000 | 6,455 |
| Average equity | $2,657,400 | 6,594 |
| Average total loans | $22,163,000 | 6,112 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 771 |
| Cost of funding earning assets | 0.3506% | 5,286 |
| Net interest margin | 4.7498% | 472 |
| Noninterest income to average assets | 1.0960% | 1,211 |
| Noninterest expense to average assets | 4.4555% | 546 |
| Loan and lease loss provision to assets | 0.1310% | 2,647 |
| Net operating income to assets | 0.6512% | 4,117 |
| Return on assets (ROA) | 0.8339% | 3,300 |
| Pretax return on assets | 0.8339% | 4,172 |
| Return on Equity (ROE) | 10.7173% | 1,921 |
| Retained earnings to average equity (ytd only) | 10.7173% | 636 |
| Net charge-offs to loans | -0.0308% | 6,174 |
| Credit loss provision to net charge-offs | -660.0000% | 6,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0644% | 1,463 |
| Assets per employee ($millions) | 2.6242% | 6,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8085% | 2,276 |
| Loan loss allowance to noncurrent loans | 120.3390% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 3.8429% | 840 |
| Noncurrent loans to loans | 1.5029% | 2,914 |
| Net loans and leases to total assets | 67.7972% | 2,325 |
| Net loans and leases to deposits | 74.8318% | 3,109 |
| Net loans and leases to core deposits | 74.8318% | 3,754 |
| Total domestic deposits to total assets | 90.5994% | 703 |
| Equity capital to assets | 8.3746% | 5,858 |
| Core capital (leverage) ratio | 9.0294% | 5,083 |
| Tier 1 risk-based capital ratio | 13.5483% | 4,725 |
| Total risk-based capital ratio | 14.8057% | 4,680 |
| Memoranda: | ||
| Average total assets | $33,575,500 | 6,517 |
| Average earning assets | $29,277,750 | 6,533 |
| Average equity | $2,612,500 | 6,681 |
| Average total loans | $21,675,000 | 6,195 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 1,096 |
| Cost of funding earning assets | 0.3673% | 5,252 |
| Net interest margin | 4.5329% | 671 |
| Noninterest income to average assets | 1.1498% | 1,150 |
| Noninterest expense to average assets | 4.5096% | 519 |
| Loan and lease loss provision to assets | 0.1078% | 2,995 |
| Net operating income to assets | 0.4492% | 5,016 |
| Return on assets (ROA) | 0.4492% | 5,187 |
| Pretax return on assets | 0.4492% | 5,523 |
| Return on Equity (ROE) | 5.9265% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.9265% | 2,480 |
| Net charge-offs to loans | 0.0095% | 4,695 |
| Credit loss provision to net charge-offs | 1,800.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 498 |
| Efficiency ratio | 89.0071% | 1,133 |
| Assets per employee ($millions) | 2.5852% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,356 |
| Loan loss allowance to noncurrent loans | 113.4454% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 5.2398% | 566 |
| Noncurrent loans to loans | 1.6067% | 2,896 |
| Net loans and leases to total assets | 64.9072% | 2,770 |
| Net loans and leases to deposits | 71.2527% | 3,550 |
| Net loans and leases to core deposits | 71.2527% | 4,143 |
| Total domestic deposits to total assets | 91.0944% | 513 |
| Equity capital to assets | 8.0487% | 6,169 |
| Core capital (leverage) ratio | 8.7097% | 5,404 |
| Tier 1 risk-based capital ratio | 13.3191% | 4,902 |
| Total risk-based capital ratio | 14.5761% | 4,843 |
| Memoranda: | ||
| Average total assets | $33,395,670 | 6,570 |
| Average earning assets | $28,855,670 | 6,591 |
| Average equity | $2,531,000 | 6,745 |
| Average total loans | $21,048,330 | 6,250 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 1,841 |
| Cost of funding earning assets | 0.3933% | 5,175 |
| Net interest margin | 4.2002% | 1,180 |
| Noninterest income to average assets | 1.2617% | 961 |
| Noninterest expense to average assets | 4.5059% | 532 |
| Loan and lease loss provision to assets | 0.1442% | 2,436 |
| Net operating income to assets | 0.2043% | 5,875 |
| Return on assets (ROA) | 0.2043% | 5,987 |
| Pretax return on assets | 0.2043% | 6,070 |
| Return on Equity (ROE) | 2.7823% | 5,674 |
| Retained earnings to average equity (ytd only) | 2.7823% | 4,617 |
| Net charge-offs to loans | 0.9187% | 663 |
| Credit loss provision to net charge-offs | 25.5319% | 2,956 |
| Earnings coverage of net charge-offs (x) | 0.6170% | 3,616 |
| Efficiency ratio | 92.8218% | 917 |
| Assets per employee ($millions) | 2.6001% | 6,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 3,050 |
| Loan loss allowance to noncurrent loans | 96.7123% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 5.4732% | 630 |
| Noncurrent loans to loans | 1.7476% | 2,934 |
| Net loans and leases to total assets | 60.7467% | 3,298 |
| Net loans and leases to deposits | 66.6331% | 3,965 |
| Net loans and leases to core deposits | 66.6331% | 4,453 |
| Total domestic deposits to total assets | 91.1659% | 458 |
| Equity capital to assets | 8.0057% | 6,374 |
| Core capital (leverage) ratio | 8.7775% | 5,223 |
| Tier 1 risk-based capital ratio | 13.3442% | 4,980 |
| Total risk-based capital ratio | 14.6011% | 4,925 |
| Memoranda: | ||
| Average total assets | $33,289,500 | 6,639 |
| Average earning assets | $28,474,500 | 6,662 |
| Average equity | $2,444,000 | 6,828 |
| Average total loans | $20,463,000 | 6,335 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 1,890 |
| Cost of funding earning assets | 0.5087% | 5,157 |
| Net interest margin | 4.3754% | 1,214 |
| Noninterest income to average assets | -0.1282% | 6,935 |
| Noninterest expense to average assets | 4.4418% | 607 |
| Loan and lease loss provision to assets | 0.7785% | 631 |
| Net operating income to assets | -1.5936% | 6,875 |
| Return on assets (ROA) | -1.5569% | 6,884 |
| Pretax return on assets | -1.5569% | 6,865 |
| Return on Equity (ROE) | -20.5761% | 6,888 |
| Retained earnings to average equity (ytd only) | -20.5761% | 6,859 |
| Net charge-offs to loans | 1.3472% | 707 |
| Credit loss provision to net charge-offs | 108.9744% | 2,696 |
| Earnings coverage of net charge-offs (x) | -1.1410% | 5,768 |
| Efficiency ratio | 122.4747% | 190 |
| Assets per employee ($millions) | 2.7315% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9361% | 2,182 |
| Loan loss allowance to noncurrent loans | 106.5934% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 4.4878% | 923 |
| Noncurrent loans to loans | 1.8164% | 2,894 |
| Net loans and leases to total assets | 59.9548% | 3,609 |
| Net loans and leases to deposits | 64.9438% | 4,431 |
| Net loans and leases to core deposits | 64.9438% | 4,844 |
| Total domestic deposits to total assets | 92.3180% | 193 |
| Equity capital to assets | 6.6569% | 6,824 |
| Core capital (leverage) ratio | 6.9889% | 6,707 |
| Tier 1 risk-based capital ratio | 11.0622% | 6,324 |
| Total risk-based capital ratio | 12.3184% | 6,286 |
| Memoranda: | ||
| Average total assets | $32,756,800 | 6,688 |
| Average earning assets | $28,111,400 | 6,714 |
| Average equity | $2,478,600 | 6,882 |
| Average total loans | $17,369,400 | 6,539 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 2,515 |
| Cost of funding earning assets | 0.5214% | 5,298 |
| Net interest margin | 4.2471% | 1,603 |
| Noninterest income to average assets | 0.6473% | 3,007 |
| Noninterest expense to average assets | 4.2745% | 671 |
| Loan and lease loss provision to assets | 0.7328% | 685 |
| Net operating income to assets | -0.7124% | 6,782 |
| Return on assets (ROA) | -0.6880% | 6,801 |
| Pretax return on assets | -0.6880% | 6,779 |
| Return on Equity (ROE) | -8.8270% | 6,834 |
| Retained earnings to average equity (ytd only) | -8.8270% | 6,778 |
| Net charge-offs to loans | 1.8840% | 402 |
| Credit loss provision to net charge-offs | 76.2712% | 3,726 |
| Earnings coverage of net charge-offs (x) | 0.0212% | 5,322 |
| Efficiency ratio | 99.5261% | 554 |
| Assets per employee ($millions) | 2.5285% | 6,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 3,575 |
| Loan loss allowance to noncurrent loans | 71.9907% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 5.8047% | 714 |
| Noncurrent loans to loans | 2.2034% | 2,617 |
| Net loans and leases to total assets | 58.7009% | 4,006 |
| Net loans and leases to deposits | 64.2289% | 4,685 |
| Net loans and leases to core deposits | 64.9139% | 5,060 |
| Total domestic deposits to total assets | 91.3934% | 312 |
| Equity capital to assets | 7.5875% | 6,753 |
| Core capital (leverage) ratio | 8.1806% | 6,164 |
| Tier 1 risk-based capital ratio | 12.5058% | 5,635 |
| Total risk-based capital ratio | 13.7559% | 5,596 |
| Memoranda: | ||
| Average total assets | $32,751,500 | 6,775 |
| Average earning assets | $28,128,500 | 6,800 |
| Average equity | $2,552,750 | 6,959 |
| Average total loans | $16,701,750 | 6,650 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 3,358 |
| Cost of funding earning assets | 0.5483% | 5,318 |
| Net interest margin | 4.0521% | 2,289 |
| Noninterest income to average assets | 1.0455% | 1,326 |
| Noninterest expense to average assets | 4.3042% | 649 |
| Loan and lease loss provision to assets | 1.1005% | 388 |
| Net operating income to assets | -0.8804% | 6,881 |
| Return on assets (ROA) | -0.8437% | 6,895 |
| Pretax return on assets | -0.8437% | 6,861 |
| Return on Equity (ROE) | -10.7296% | 6,920 |
| Retained earnings to average equity (ytd only) | -10.7296% | 6,853 |
| Net charge-offs to loans | 3.0254% | 194 |
| Credit loss provision to net charge-offs | 75.6303% | 3,443 |
| Earnings coverage of net charge-offs (x) | 0.1513% | 4,997 |
| Efficiency ratio | 95.1351% | 744 |
| Assets per employee ($millions) | 2.7319% | 6,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 2,817 |
| Loan loss allowance to noncurrent loans | 85.8333% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 6.1068% | 692 |
| Noncurrent loans to loans | 2.1098% | 2,813 |
| Net loans and leases to total assets | 51.1058% | 5,209 |
| Net loans and leases to deposits | 55.9044% | 5,658 |
| Net loans and leases to core deposits | 56.5021% | 5,900 |
| Total domestic deposits to total assets | 91.4163% | 328 |
| Equity capital to assets | 7.6351% | 6,748 |
| Core capital (leverage) ratio | 8.4318% | 5,742 |
| Tier 1 risk-based capital ratio | 13.4201% | 4,893 |
| Total risk-based capital ratio | 14.6722% | 4,843 |
| Memoranda: | ||
| Average total assets | $32,712,000 | 6,822 |
| Average earning assets | $28,084,330 | 6,851 |
| Average equity | $2,572,330 | 6,999 |
| Average total loans | $15,733,670 | 6,752 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4132% | 4,277 |
| Cost of funding earning assets | 0.5837% | 5,260 |
| Net interest margin | 3.8295% | 3,247 |
| Noninterest income to average assets | 1.3343% | 801 |
| Noninterest expense to average assets | 4.0396% | 894 |
| Loan and lease loss provision to assets | 1.1017% | 364 |
| Net operating income to assets | -0.5141% | 6,834 |
| Return on assets (ROA) | -0.5141% | 6,865 |
| Pretax return on assets | -0.5141% | 6,837 |
| Return on Equity (ROE) | -6.4442% | 6,903 |
| Retained earnings to average equity (ytd only) | -6.4442% | 6,687 |
| Net charge-offs to loans | 5.6009% | 76 |
| Credit loss provision to net charge-offs | 42.6540% | 3,406 |
| Earnings coverage of net charge-offs (x) | 0.2275% | 4,252 |
| Efficiency ratio | 87.3016% | 1,353 |
| Assets per employee ($millions) | 2.7304% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 3,625 |
| Loan loss allowance to noncurrent loans | 30.0366% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 7.9078% | 489 |
| Noncurrent loans to loans | 5.4102% | 993 |
| Net loans and leases to total assets | 45.4509% | 5,848 |
| Net loans and leases to deposits | 49.8327% | 6,156 |
| Net loans and leases to core deposits | 50.3653% | 6,316 |
| Total domestic deposits to total assets | 91.2071% | 476 |
| Equity capital to assets | 7.9231% | 6,572 |
| Core capital (leverage) ratio | 8.5826% | 5,463 |
| Tier 1 risk-based capital ratio | 14.2426% | 4,283 |
| Total risk-based capital ratio | 15.4810% | 4,264 |
| Memoranda: | ||
| Average total assets | $32,676,500 | 6,873 |
| Average earning assets | $28,097,500 | 6,902 |
| Average equity | $2,607,000 | 7,041 |
| Average total loans | $15,069,000 | 6,852 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 5,675 |
| Cost of funding earning assets | 0.8141% | 4,755 |
| Net interest margin | 3.5115% | 5,098 |
| Noninterest income to average assets | 2.0379% | 364 |
| Noninterest expense to average assets | 5.1302% | 352 |
| Loan and lease loss provision to assets | 2.7740% | 143 |
| Net operating income to assets | -2.8138% | 7,156 |
| Return on assets (ROA) | -2.8138% | 7,161 |
| Pretax return on assets | -2.8138% | 7,163 |
| Return on Equity (ROE) | -35.4128% | 7,135 |
| Retained earnings to average equity (ytd only) | -35.4128% | 7,127 |
| Net charge-offs to loans | 6.6410% | 36 |
| Credit loss provision to net charge-offs | 86.8327% | 4,157 |
| Earnings coverage of net charge-offs (x) | -0.0125% | 5,837 |
| Efficiency ratio | 100.7817% | 646 |
| Assets per employee ($millions) | 3.2588% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4467% | 1,386 |
| Loan loss allowance to noncurrent loans | 25.0683% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 6.8890% | 669 |
| Noncurrent loans to loans | 9.7600% | 338 |
| Net loans and leases to total assets | 44.9030% | 6,121 |
| Net loans and leases to deposits | 49.3341% | 6,416 |
| Net loans and leases to core deposits | 49.8637% | 6,539 |
| Total domestic deposits to total assets | 91.0182% | 500 |
| Equity capital to assets | 8.0336% | 6,551 |
| Core capital (leverage) ratio | 8.4871% | 5,581 |
| Tier 1 risk-based capital ratio | 15.9951% | 3,053 |
| Total risk-based capital ratio | 17.2546% | 3,006 |
| Memoranda: | ||
| Average total assets | $35,183,600 | 6,822 |
| Average earning assets | $30,584,800 | 6,852 |
| Average equity | $2,795,600 | 7,056 |
| Average total loans | $16,925,200 | 6,804 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 5,440 |
| Cost of funding earning assets | 0.8264% | 4,970 |
| Net interest margin | 3.6199% | 4,694 |
| Noninterest income to average assets | 2.3181% | 299 |
| Noninterest expense to average assets | 5.2167% | 309 |
| Loan and lease loss provision to assets | 3.2930% | 92 |
| Net operating income to assets | -3.0623% | 7,272 |
| Return on assets (ROA) | -3.0623% | 7,280 |
| Pretax return on assets | -3.0623% | 7,275 |
| Return on Equity (ROE) | -38.6377% | 7,249 |
| Retained earnings to average equity (ytd only) | -38.6377% | 7,242 |
| Net charge-offs to loans | 7.1542% | 32 |
| Credit loss provision to net charge-offs | 94.7537% | 3,613 |
| Earnings coverage of net charge-offs (x) | 0.0664% | 5,556 |
| Efficiency ratio | 95.7650% | 834 |
| Assets per employee ($millions) | 2.7973% | 6,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9646% | 890 |
| Loan loss allowance to noncurrent loans | 183.4646% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 3.1935% | 2,003 |
| Noncurrent loans to loans | 1.6159% | 3,875 |
| Net loans and leases to total assets | 45.4391% | 6,195 |
| Net loans and leases to deposits | 50.1331% | 6,493 |
| Net loans and leases to core deposits | 50.6559% | 6,641 |
| Total domestic deposits to total assets | 90.6369% | 574 |
| Equity capital to assets | 6.8667% | 7,074 |
| Core capital (leverage) ratio | 7.4412% | 6,794 |
| Tier 1 risk-based capital ratio | 13.7865% | 4,511 |
| Total risk-based capital ratio | 15.0527% | 4,462 |
| Memoranda: | ||
| Average total assets | $35,832,500 | 6,862 |
| Average earning assets | $30,976,000 | 6,906 |
| Average equity | $2,840,000 | 7,114 |
| Average total loans | $17,406,500 | 6,853 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 5,533 |
| Cost of funding earning assets | 0.8680% | 4,922 |
| Net interest margin | 3.5805% | 4,785 |
| Noninterest income to average assets | 2.8316% | 234 |
| Noninterest expense to average assets | 4.4387% | 638 |
| Loan and lease loss provision to assets | 3.5914% | 101 |
| Net operating income to assets | -2.1319% | 7,212 |
| Return on assets (ROA) | -2.1319% | 7,220 |
| Pretax return on assets | -2.1319% | 7,189 |
| Return on Equity (ROE) | -25.8421% | 7,202 |
| Retained earnings to average equity (ytd only) | -25.8421% | 7,193 |
| Net charge-offs to loans | 6.7895% | 61 |
| Credit loss provision to net charge-offs | 107.7049% | 2,857 |
| Earnings coverage of net charge-offs (x) | 0.4377% | 4,976 |
| Efficiency ratio | 75.2549% | 3,145 |
| Assets per employee ($millions) | 2.6548% | 6,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2943% | 707 |
| Loan loss allowance to noncurrent loans | 61.5553% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 5.5110% | 1,073 |
| Noncurrent loans to loans | 5.3517% | 1,191 |
| Net loans and leases to total assets | 47.8023% | 6,073 |
| Net loans and leases to deposits | 53.3174% | 6,360 |
| Net loans and leases to core deposits | 53.8622% | 6,569 |
| Total domestic deposits to total assets | 89.6561% | 1,146 |
| Equity capital to assets | 7.9738% | 6,700 |
| Core capital (leverage) ratio | 8.2192% | 6,002 |
| Tier 1 risk-based capital ratio | 15.5701% | 3,204 |
| Total risk-based capital ratio | 16.8388% | 3,148 |
| Memoranda: | ||
| Average total assets | $36,587,330 | 6,901 |
| Average earning assets | $31,336,330 | 6,952 |
| Average equity | $3,018,330 | 7,121 |
| Average total loans | $17,969,000 | 6,891 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 4,868 |
| Cost of funding earning assets | 0.9842% | 4,315 |
| Net interest margin | 3.6339% | 4,405 |
| Noninterest income to average assets | 2.8705% | 234 |
| Noninterest expense to average assets | 4.2419% | 781 |
| Loan and lease loss provision to assets | 2.1688% | 249 |
| Net operating income to assets | -0.4784% | 6,796 |
| Return on assets (ROA) | -0.4784% | 6,800 |
| Pretax return on assets | -0.4784% | 6,744 |
| Return on Equity (ROE) | -5.7116% | 6,847 |
| Retained earnings to average equity (ytd only) | -5.7116% | 6,571 |
| Net charge-offs to loans | 0.6513% | 1,902 |
| Credit loss provision to net charge-offs | 680.0000% | 556 |
| Earnings coverage of net charge-offs (x) | 5.3000% | 2,305 |
| Efficiency ratio | 71.5054% | 3,959 |
| Assets per employee ($millions) | 2.8292% | 6,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8077% | 486 |
| Loan loss allowance to noncurrent loans | 69.1767% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 5.2556% | 1,182 |
| Noncurrent loans to loans | 5.5043% | 1,190 |
| Net loans and leases to total assets | 47.3246% | 6,156 |
| Net loans and leases to deposits | 52.9750% | 6,394 |
| Net loans and leases to core deposits | 53.4829% | 6,589 |
| Total domestic deposits to total assets | 89.3339% | 1,571 |
| Equity capital to assets | 8.4502% | 5,980 |
| Core capital (leverage) ratio | 8.6117% | 5,251 |
| Tier 1 risk-based capital ratio | 17.1895% | 2,404 |
| Total risk-based capital ratio | 18.4703% | 2,375 |
| Memoranda: | ||
| Average total assets | $37,624,500 | 6,920 |
| Average earning assets | $31,701,500 | 6,996 |
| Average equity | $3,151,500 | 7,127 |
| Average total loans | $18,423,500 | 6,915 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 5,373 |
| Cost of funding earning assets | 1.2619% | 4,132 |
| Net interest margin | 3.5492% | 5,039 |
| Noninterest income to average assets | 1.4085% | 736 |
| Noninterest expense to average assets | 4.3403% | 774 |
| Loan and lease loss provision to assets | 0.6946% | 2,364 |
| Net operating income to assets | -0.6419% | 6,479 |
| Return on assets (ROA) | -0.6324% | 6,500 |
| Pretax return on assets | -0.6324% | 6,419 |
| Return on Equity (ROE) | -7.1105% | 6,561 |
| Retained earnings to average equity (ytd only) | -7.1105% | 6,461 |
| Net charge-offs to loans | 3.3631% | 447 |
| Credit loss provision to net charge-offs | 42.7099% | 6,348 |
| Earnings coverage of net charge-offs (x) | 0.0324% | 6,088 |
| Efficiency ratio | 98.8004% | 832 |
| Assets per employee ($millions) | 2.7478% | 6,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7464% | 1,116 |
| Loan loss allowance to noncurrent loans | 55.4360% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 4.7779% | 1,366 |
| Noncurrent loans to loans | 4.9541% | 1,366 |
| Net loans and leases to total assets | 47.4070% | 6,443 |
| Net loans and leases to deposits | 52.9330% | 6,679 |
| Net loans and leases to core deposits | 57.4756% | 6,600 |
| Total domestic deposits to total assets | 89.5604% | 1,351 |
| Equity capital to assets | 8.3054% | 6,140 |
| Core capital (leverage) ratio | 8.4639% | 5,426 |
| Tier 1 risk-based capital ratio | 15.9119% | 2,791 |
| Total risk-based capital ratio | 17.1767% | 2,739 |
| Memoranda: | ||
| Average total assets | $41,748,000 | 6,805 |
| Average earning assets | $35,106,400 | 6,912 |
| Average equity | $3,712,800 | 7,082 |
| Average total loans | $20,189,600 | 6,913 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 5,603 |
| Cost of funding earning assets | 1.3009% | 4,212 |
| Net interest margin | 3.5125% | 5,240 |
| Noninterest income to average assets | 1.4126% | 678 |
| Noninterest expense to average assets | 3.9340% | 1,149 |
| Loan and lease loss provision to assets | 0.6264% | 2,428 |
| Net operating income to assets | -0.1879% | 6,307 |
| Return on assets (ROA) | -0.1754% | 6,359 |
| Pretax return on assets | -0.1754% | 6,297 |
| Return on Equity (ROE) | -1.9431% | 6,392 |
| Retained earnings to average equity (ytd only) | -1.9431% | 6,191 |
| Net charge-offs to loans | 4.3797% | 245 |
| Credit loss provision to net charge-offs | 29.6296% | 6,158 |
| Earnings coverage of net charge-offs (x) | 0.2074% | 5,804 |
| Efficiency ratio | 89.9713% | 1,295 |
| Assets per employee ($millions) | 2.8861% | 6,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1844% | 1,836 |
| Loan loss allowance to noncurrent loans | 48.8055% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 4.6752% | 1,419 |
| Noncurrent loans to loans | 4.4758% | 1,616 |
| Net loans and leases to total assets | 47.5436% | 6,561 |
| Net loans and leases to deposits | 53.6577% | 6,790 |
| Net loans and leases to core deposits | 58.0485% | 6,722 |
| Total domestic deposits to total assets | 88.6054% | 1,619 |
| Equity capital to assets | 9.3330% | 5,082 |
| Core capital (leverage) ratio | 8.6785% | 5,223 |
| Tier 1 risk-based capital ratio | 16.1580% | 2,691 |
| Total risk-based capital ratio | 17.4169% | 2,637 |
| Memoranda: | ||
| Average total assets | $42,567,750 | 6,864 |
| Average earning assets | $35,871,250 | 6,962 |
| Average equity | $3,842,250 | 7,136 |
| Average total loans | $20,549,000 | 6,984 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8558% | 5,587 |
| Cost of funding earning assets | 1.3369% | 4,281 |
| Net interest margin | 3.5189% | 5,170 |
| Noninterest income to average assets | 1.1597% | 955 |
| Noninterest expense to average assets | 3.3912% | 2,288 |
| Loan and lease loss provision to assets | 0.5544% | 2,556 |
| Net operating income to assets | 0.1571% | 5,697 |
| Return on assets (ROA) | 0.1709% | 5,787 |
| Pretax return on assets | 0.1709% | 5,842 |
| Return on Equity (ROE) | 1.9141% | 5,661 |
| Retained earnings to average equity (ytd only) | 1.9141% | 4,913 |
| Net charge-offs to loans | 0.3453% | 3,618 |
| Credit loss provision to net charge-offs | 333.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 4.2778% | 3,005 |
| Efficiency ratio | 82.6577% | 2,082 |
| Assets per employee ($millions) | 3.3597% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7341% | 212 |
| Loan loss allowance to noncurrent loans | 55.7562% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 8.0113% | 613 |
| Noncurrent loans to loans | 8.4907% | 588 |
| Net loans and leases to total assets | 45.5216% | 6,806 |
| Net loans and leases to deposits | 51.1145% | 7,019 |
| Net loans and leases to core deposits | 56.6261% | 6,907 |
| Total domestic deposits to total assets | 89.0581% | 1,402 |
| Equity capital to assets | 8.9546% | 5,517 |
| Core capital (leverage) ratio | 8.3525% | 5,660 |
| Tier 1 risk-based capital ratio | 15.5754% | 2,856 |
| Total risk-based capital ratio | 16.8602% | 2,814 |
| Memoranda: | ||
| Average total assets | $43,288,670 | 6,886 |
| Average earning assets | $36,204,000 | 6,994 |
| Average equity | $3,866,000 | 7,161 |
| Average total loans | $20,852,330 | 7,019 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0295% | 4,885 |
| Cost of funding earning assets | 1.3360% | 4,588 |
| Net interest margin | 3.6935% | 4,279 |
| Noninterest income to average assets | 1.4480% | 573 |
| Noninterest expense to average assets | 3.5921% | 1,755 |
| Loan and lease loss provision to assets | 0.5569% | 2,275 |
| Net operating income to assets | 0.3527% | 5,066 |
| Return on assets (ROA) | 0.3806% | 5,055 |
| Pretax return on assets | 0.3806% | 5,352 |
| Return on Equity (ROE) | 4.2669% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.2669% | 3,588 |
| Net charge-offs to loans | -0.0384% | 7,271 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7938% | 2,599 |
| Assets per employee ($millions) | 3.4172% | 5,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6136% | 241 |
| Loan loss allowance to noncurrent loans | 53.7862% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 7.8068% | 636 |
| Noncurrent loans to loans | 8.5777% | 598 |
| Net loans and leases to total assets | 44.9587% | 6,906 |
| Net loans and leases to deposits | 50.3289% | 7,111 |
| Net loans and leases to core deposits | 55.6137% | 7,012 |
| Total domestic deposits to total assets | 89.3299% | 1,346 |
| Equity capital to assets | 8.6847% | 5,752 |
| Core capital (leverage) ratio | 8.5272% | 5,327 |
| Tier 1 risk-based capital ratio | 15.0588% | 3,094 |
| Total risk-based capital ratio | 16.3407% | 3,028 |
| Memoranda: | ||
| Average total assets | $43,095,000 | 6,981 |
| Average earning assets | $35,630,000 | 7,103 |
| Average equity | $3,843,500 | 7,236 |
| Average total loans | $20,843,500 | 7,105 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5009% | 4,137 |
| Cost of funding earning assets | 1.8216% | 3,874 |
| Net interest margin | 3.6792% | 4,224 |
| Noninterest income to average assets | 0.9626% | 1,691 |
| Noninterest expense to average assets | 3.8088% | 1,683 |
| Loan and lease loss provision to assets | 2.9033% | 620 |
| Net operating income to assets | -2.8242% | 7,357 |
| Return on assets (ROA) | -2.8989% | 7,383 |
| Pretax return on assets | -2.8989% | 7,263 |
| Return on Equity (ROE) | -34.6431% | 7,483 |
| Retained earnings to average equity (ytd only) | -34.6431% | 7,471 |
| Net charge-offs to loans | 7.3876% | 102 |
| Credit loss provision to net charge-offs | 78.8657% | 6,313 |
| Earnings coverage of net charge-offs (x) | 0.0215% | 6,168 |
| Efficiency ratio | 97.9650% | 1,213 |
| Assets per employee ($millions) | 3.2128% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3520% | 281 |
| Loan loss allowance to noncurrent loans | 49.6427% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 8.8323% | 459 |
| Noncurrent loans to loans | 8.7667% | 536 |
| Net loans and leases to total assets | 47.5160% | 6,842 |
| Net loans and leases to deposits | 53.5192% | 7,085 |
| Net loans and leases to core deposits | 64.9730% | 7,035 |
| Total domestic deposits to total assets | 88.7830% | 1,583 |
| Equity capital to assets | 9.1675% | 4,891 |
| Core capital (leverage) ratio | 8.6662% | 4,982 |
| Tier 1 risk-based capital ratio | 14.5666% | 3,165 |
| Total risk-based capital ratio | 15.8451% | 3,106 |
| Memoranda: | ||
| Average total assets | $45,500,000 | 6,896 |
| Average earning assets | $36,176,000 | 7,093 |
| Average equity | $3,807,400 | 7,352 |
| Average total loans | $22,673,200 | 7,046 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4235% | 4,831 |
| Cost of funding earning assets | 1.9403% | 3,663 |
| Net interest margin | 3.4832% | 4,932 |
| Noninterest income to average assets | 0.9476% | 1,789 |
| Noninterest expense to average assets | 3.5204% | 2,228 |
| Loan and lease loss provision to assets | 2.4953% | 667 |
| Net operating income to assets | -2.3000% | 7,409 |
| Return on assets (ROA) | -2.3977% | 7,436 |
| Pretax return on assets | -2.3977% | 7,313 |
| Return on Equity (ROE) | -29.2822% | 7,592 |
| Retained earnings to average equity (ytd only) | -29.2822% | 7,582 |
| Net charge-offs to loans | 7.1519% | 102 |
| Credit loss provision to net charge-offs | 69.9678% | 5,985 |
| Earnings coverage of net charge-offs (x) | 0.0547% | 5,992 |
| Efficiency ratio | 94.7450% | 1,353 |
| Assets per employee ($millions) | 2.9426% | 6,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0358% | 292 |
| Loan loss allowance to noncurrent loans | 37.2996% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 10.1430% | 334 |
| Noncurrent loans to loans | 10.8199% | 340 |
| Net loans and leases to total assets | 47.6223% | 6,990 |
| Net loans and leases to deposits | 56.3358% | 7,070 |
| Net loans and leases to core deposits | 68.6099% | 7,038 |
| Total domestic deposits to total assets | 84.5330% | 3,461 |
| Equity capital to assets | 9.0124% | 5,461 |
| Core capital (leverage) ratio | 8.4360% | 5,602 |
| Tier 1 risk-based capital ratio | 14.3638% | 3,350 |
| Total risk-based capital ratio | 15.6412% | 3,281 |
| Memoranda: | ||
| Average total assets | $46,433,250 | 6,901 |
| Average earning assets | $36,900,000 | 7,117 |
| Average equity | $3,802,000 | 7,415 |
| Average total loans | $23,154,250 | 7,082 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3789% | 5,256 |
| Cost of funding earning assets | 2.0317% | 3,617 |
| Net interest margin | 3.3472% | 5,378 |
| Noninterest income to average assets | 0.7627% | 2,635 |
| Noninterest expense to average assets | 3.2247% | 3,254 |
| Loan and lease loss provision to assets | 2.5637% | 603 |
| Net operating income to assets | -2.3518% | 7,527 |
| Return on assets (ROA) | -2.5552% | 7,564 |
| Pretax return on assets | -2.5552% | 7,434 |
| Return on Equity (ROE) | -32.2173% | 7,745 |
| Retained earnings to average equity (ytd only) | -32.2173% | 7,720 |
| Net charge-offs to loans | 10.1735% | 53 |
| Credit loss provision to net charge-offs | 50.4587% | 5,760 |
| Earnings coverage of net charge-offs (x) | 0.0417% | 5,635 |
| Efficiency ratio | 93.8348% | 1,507 |
| Assets per employee ($millions) | 3.0885% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1152% | 512 |
| Loan loss allowance to noncurrent loans | 30.9813% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 10.4084% | 258 |
| Noncurrent loans to loans | 10.0550% | 346 |
| Net loans and leases to total assets | 44.5087% | 7,295 |
| Net loans and leases to deposits | 49.9225% | 7,487 |
| Net loans and leases to core deposits | 61.2251% | 7,402 |
| Total domestic deposits to total assets | 89.1556% | 1,198 |
| Equity capital to assets | 8.9579% | 5,377 |
| Core capital (leverage) ratio | 8.4524% | 5,519 |
| Tier 1 risk-based capital ratio | 13.9484% | 3,549 |
| Total risk-based capital ratio | 15.2117% | 3,476 |
| Memoranda: | ||
| Average total assets | $47,198,000 | 6,934 |
| Average earning assets | $37,703,000 | 7,141 |
| Average equity | $3,743,330 | 7,495 |
| Average total loans | $23,571,000 | 7,110 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1826% | 6,363 |
| Cost of funding earning assets | 2.0316% | 3,978 |
| Net interest margin | 3.1510% | 6,016 |
| Noninterest income to average assets | 0.8817% | 1,924 |
| Noninterest expense to average assets | 3.2247% | 2,882 |
| Loan and lease loss provision to assets | 0.7558% | 1,705 |
| Net operating income to assets | -0.5458% | 6,922 |
| Return on assets (ROA) | -0.5458% | 6,969 |
| Pretax return on assets | -0.5458% | 6,854 |
| Return on Equity (ROE) | -7.3446% | 7,177 |
| Retained earnings to average equity (ytd only) | -7.3446% | 6,833 |
| Net charge-offs to loans | 2.7999% | 467 |
| Credit loss provision to net charge-offs | 52.0231% | 4,647 |
| Earnings coverage of net charge-offs (x) | 0.1445% | 4,856 |
| Efficiency ratio | 93.8875% | 1,439 |
| Assets per employee ($millions) | 3.1397% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9839% | 106 |
| Loan loss allowance to noncurrent loans | 33.0797% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 11.6615% | 155 |
| Noncurrent loans to loans | 15.0662% | 102 |
| Net loans and leases to total assets | 47.5252% | 7,062 |
| Net loans and leases to deposits | 52.5066% | 7,369 |
| Net loans and leases to core deposits | 64.0016% | 7,316 |
| Total domestic deposits to total assets | 90.5128% | 585 |
| Equity capital to assets | 7.6462% | 7,226 |
| Core capital (leverage) ratio | 8.1782% | 6,146 |
| Tier 1 risk-based capital ratio | 13.2812% | 4,005 |
| Total risk-based capital ratio | 14.5655% | 3,905 |
| Memoranda: | ||
| Average total assets | $47,633,000 | 6,958 |
| Average earning assets | $38,590,500 | 7,141 |
| Average equity | $3,540,000 | 7,613 |
| Average total loans | $24,715,000 | 7,081 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2542% | 4,216 |
| Cost of funding earning assets | 2.4130% | 4,665 |
| Net interest margin | 3.8412% | 3,833 |
| Noninterest income to average assets | 0.9992% | 1,586 |
| Noninterest expense to average assets | 3.2827% | 3,022 |
| Loan and lease loss provision to assets | 4.5291% | 132 |
| Net operating income to assets | -3.4602% | 7,904 |
| Return on assets (ROA) | -3.4342% | 7,882 |
| Pretax return on assets | -3.4342% | 7,797 |
| Return on Equity (ROE) | -34.9191% | 8,022 |
| Retained earnings to average equity (ytd only) | -38.4272% | 8,025 |
| Net charge-offs to loans | 5.6624% | 72 |
| Credit loss provision to net charge-offs | 138.3069% | 3,844 |
| Earnings coverage of net charge-offs (x) | 0.3264% | 6,032 |
| Efficiency ratio | 75.4354% | 3,335 |
| Assets per employee ($millions) | 3.2114% | 5,451 |
| Cash dividends to net income (ytd only)* | -10.0465% | 7,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8582% | 105 |
| Loan loss allowance to noncurrent loans | 34.2881% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 11.5194% | 112 |
| Noncurrent loans to loans | 14.1687% | 80 |
| Net loans and leases to total assets | 51.1034% | 6,927 |
| Net loans and leases to deposits | 56.2842% | 7,302 |
| Net loans and leases to core deposits | 68.9822% | 7,251 |
| Total domestic deposits to total assets | 90.7953% | 389 |
| Equity capital to assets | 7.2222% | 7,608 |
| Core capital (leverage) ratio | 7.0127% | 7,684 |
| Tier 1 risk-based capital ratio | 10.6727% | 6,031 |
| Total risk-based capital ratio | 11.9562% | 5,902 |
| Memoranda: | ||
| Average total assets | $50,142,200 | 6,767 |
| Average earning assets | $43,762,400 | 6,863 |
| Average equity | $4,931,400 | 7,171 |
| Average total loans | $28,998,400 | 6,770 |