Home > Greater State Bank > Performance and Condition Ratios
Greater State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9076% | 719 |
| Cost of funding earning assets | 1.0177% | 3,254 |
| Net interest margin | 4.8899% | 367 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 3.6410% | 483 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.1199% | 1,860 |
| Return on assets (ROA) | 1.1183% | 1,837 |
| Pretax return on assets | 1.4391% | 1,555 |
| Return on Equity (ROE) | 13.5100% | 1,601 |
| Retained earnings to average equity (ytd only) | 13.5058% | 446 |
| Net charge-offs to loans | 0.0284% | 1,739 |
| Credit loss provision to net charge-offs | 746.6667% | 506 |
| Earnings coverage of net charge-offs (x) | 76.8000% | 1,049 |
| Efficiency ratio | 69.5198% | 1,952 |
| Assets per employee ($millions) | 3.3872% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,421 |
| Loan loss allowance to noncurrent loans | 876.9737% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 2,859 |
| Noncurrent loans to loans | 0.1343% | 2,834 |
| Net loans and leases to total assets | 73.3700% | 1,430 |
| Net loans and leases to deposits | 84.0779% | 1,772 |
| Net loans and leases to core deposits | 94.8305% | 1,719 |
| Total domestic deposits to total assets | 87.2600% | 1,601 |
| Equity capital to assets | 8.5328% | 3,028 |
| Core capital (leverage) ratio | 9.0905% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8186% | 1,314 |
| Memoranda: | ||
| Average total assets | $144,327,800 | 3,420 |
| Average earning assets | $135,790,200 | 3,382 |
| Average equity | $11,950,400 | 3,531 |
| Average total loans | $105,524,000 | 3,118 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7354% | 749 |
| Cost of funding earning assets | 0.8811% | 3,321 |
| Net interest margin | 4.8542% | 379 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 3.5238% | 539 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.1865% | 1,828 |
| Return on assets (ROA) | 1.1843% | 1,820 |
| Pretax return on assets | 1.5103% | 1,536 |
| Return on Equity (ROE) | 14.4200% | 1,563 |
| Retained earnings to average equity (ytd only) | 14.4208% | 622 |
| Net charge-offs to loans | 0.0399% | 1,317 |
| Credit loss provision to net charge-offs | 529.0323% | 608 |
| Earnings coverage of net charge-offs (x) | 57.3871% | 1,228 |
| Efficiency ratio | 67.8881% | 2,031 |
| Assets per employee ($millions) | 3.9980% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 2,429 |
| Loan loss allowance to noncurrent loans | 895.7746% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 2,942 |
| Noncurrent loans to loans | 0.1325% | 2,888 |
| Net loans and leases to total assets | 71.5800% | 1,628 |
| Net loans and leases to deposits | 81.5109% | 1,938 |
| Net loans and leases to core deposits | 91.4431% | 1,837 |
| Total domestic deposits to total assets | 87.8100% | 1,639 |
| Equity capital to assets | 8.3481% | 2,829 |
| Core capital (leverage) ratio | 9.1971% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9662% | 1,326 |
| Memoranda: | ||
| Average total assets | $142,304,000 | 3,443 |
| Average earning assets | $133,763,250 | 3,413 |
| Average equity | $11,686,500 | 3,556 |
| Average total loans | $103,615,000 | 3,137 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5747% | 755 |
| Cost of funding earning assets | 0.7470% | 3,357 |
| Net interest margin | 4.8277% | 388 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 3.5363% | 520 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.1442% | 1,986 |
| Return on assets (ROA) | 1.1408% | 1,996 |
| Pretax return on assets | 1.4612% | 1,672 |
| Return on Equity (ROE) | 13.9700% | 1,687 |
| Retained earnings to average equity (ytd only) | 13.9721% | 682 |
| Net charge-offs to loans | 0.0117% | 1,756 |
| Credit loss provision to net charge-offs | 1,600.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 187.5000% | 644 |
| Efficiency ratio | 68.8193% | 1,884 |
| Assets per employee ($millions) | 3.9302% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 2,657 |
| Loan loss allowance to noncurrent loans | 1,807.3529% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 3,310 |
| Noncurrent loans to loans | 0.0642% | 3,245 |
| Net loans and leases to total assets | 72.0000% | 1,532 |
| Net loans and leases to deposits | 81.7476% | 1,846 |
| Net loans and leases to core deposits | 89.4841% | 1,825 |
| Total domestic deposits to total assets | 88.0800% | 1,571 |
| Equity capital to assets | 8.1503% | 3,117 |
| Core capital (leverage) ratio | 9.1379% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8930% | 1,339 |
| Memoranda: | ||
| Average total assets | $140,430,000 | 3,473 |
| Average earning assets | $131,989,000 | 3,445 |
| Average equity | $11,465,667 | 3,594 |
| Average total loans | $102,435,667 | 3,148 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3723% | 761 |
| Cost of funding earning assets | 0.5705% | 3,473 |
| Net interest margin | 4.8017% | 371 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 3.4857% | 548 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.1861% | 1,968 |
| Return on assets (ROA) | 1.1861% | 1,931 |
| Pretax return on assets | 1.5253% | 1,614 |
| Return on Equity (ROE) | 14.5100% | 1,661 |
| Retained earnings to average equity (ytd only) | 14.5132% | 866 |
| Net charge-offs to loans | 0.0040% | 1,842 |
| Credit loss provision to net charge-offs | 3,600.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 562.0000% | 205 |
| Efficiency ratio | 68.1406% | 1,952 |
| Assets per employee ($millions) | 4.2934% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 2,861 |
| Loan loss allowance to noncurrent loans | 1,118.0952% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 3,036 |
| Noncurrent loans to loans | 0.1018% | 3,025 |
| Net loans and leases to total assets | 74.2000% | 1,178 |
| Net loans and leases to deposits | 82.8463% | 1,582 |
| Net loans and leases to core deposits | 90.5054% | 1,587 |
| Total domestic deposits to total assets | 89.5600% | 1,313 |
| Equity capital to assets | 8.4571% | 2,925 |
| Core capital (leverage) ratio | 9.1165% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8722% | 1,398 |
| Memoranda: | ||
| Average total assets | $137,936,000 | 3,534 |
| Average earning assets | $129,703,500 | 3,509 |
| Average equity | $11,272,500 | 3,647 |
| Average total loans | $100,685,000 | 3,206 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5307% | 683 |
| Cost of funding earning assets | 0.2402% | 3,414 |
| Net interest margin | 4.2905% | 435 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 3.4465% | 515 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.9662% | 2,697 |
| Return on assets (ROA) | 0.9662% | 2,646 |
| Pretax return on assets | 1.2039% | 2,424 |
| Return on Equity (ROE) | 13.5700% | 1,636 |
| Retained earnings to average equity (ytd only) | 13.5668% | 445 |
| Net charge-offs to loans | 0.0211% | 1,661 |
| Credit loss provision to net charge-offs | 1,526.3158% | 318 |
| Earnings coverage of net charge-offs (x) | 101.8947% | 964 |
| Efficiency ratio | 70.8785% | 1,579 |
| Assets per employee ($millions) | 4.1965% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 2,589 |
| Loan loss allowance to noncurrent loans | 831.3869% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 2,847 |
| Noncurrent loans to loans | 0.1394% | 2,816 |
| Net loans and leases to total assets | 70.1300% | 1,628 |
| Net loans and leases to deposits | 76.4360% | 2,064 |
| Net loans and leases to core deposits | 82.5524% | 1,966 |
| Total domestic deposits to total assets | 91.7500% | 701 |
| Equity capital to assets | 7.8897% | 3,127 |
| Core capital (leverage) ratio | 8.8507% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7547% | 1,419 |
| Memoranda: | ||
| Average total assets | $136,717,200 | 3,568 |
| Average earning assets | $129,495,400 | 3,536 |
| Average equity | $9,737,000 | 3,904 |
| Average total loans | $90,180,400 | 3,289 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3119% | 713 |
| Cost of funding earning assets | 0.2074% | 3,187 |
| Net interest margin | 4.1045% | 513 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 3.2825% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9813% | 2,540 |
| Return on assets (ROA) | 0.9813% | 2,520 |
| Pretax return on assets | 1.2484% | 2,212 |
| Return on Equity (ROE) | 14.1700% | 1,381 |
| Retained earnings to average equity (ytd only) | 14.1667% | 443 |
| Net charge-offs to loans | 0.0287% | 1,258 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 67.1579% | 1,118 |
| Efficiency ratio | 72.4466% | 1,454 |
| Assets per employee ($millions) | 4.2355% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 3,860 |
| Loan loss allowance to noncurrent loans | 1,212.8571% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 2,217 |
| Noncurrent loans to loans | 0.0741% | 3,346 |
| Net loans and leases to total assets | 67.0100% | 1,785 |
| Net loans and leases to deposits | 72.7635% | 2,150 |
| Net loans and leases to core deposits | 77.4701% | 2,080 |
| Total domestic deposits to total assets | 92.0900% | 852 |
| Equity capital to assets | 7.5695% | 3,172 |
| Core capital (leverage) ratio | 8.4668% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4718% | 1,577 |
| Memoranda: | ||
| Average total assets | $136,275,500 | 3,597 |
| Average earning assets | $129,221,500 | 3,559 |
| Average equity | $9,439,750 | 3,987 |
| Average total loans | $88,161,250 | 3,325 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 757 |
| Cost of funding earning assets | 0.2136% | 2,722 |
| Net interest margin | 3.8923% | 617 |
| Noninterest income to average assets | 0.6158% | 1,676 |
| Noninterest expense to average assets | 3.1841% | 646 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8852% | 2,647 |
| Return on assets (ROA) | 0.8852% | 2,618 |
| Pretax return on assets | 1.1265% | 2,318 |
| Return on Equity (ROE) | 13.2014% | 1,324 |
| Retained earnings to average equity (ytd only) | 13.2014% | 443 |
| Net charge-offs to loans | 0.0325% | 1,080 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 54.3571% | 1,124 |
| Efficiency ratio | 73.8668% | 1,525 |
| Assets per employee ($millions) | 4.0946% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,734 |
| Loan loss allowance to noncurrent loans | 1,674.5098% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 2,318 |
| Noncurrent loans to loans | 0.0579% | 3,518 |
| Net loans and leases to total assets | 64.5782% | 1,846 |
| Net loans and leases to deposits | 69.4695% | 2,263 |
| Net loans and leases to core deposits | 74.2600% | 2,151 |
| Total domestic deposits to total assets | 92.9590% | 527 |
| Equity capital to assets | 6.6791% | 3,944 |
| Core capital (leverage) ratio | 6.8319% | 4,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9484% | 2,084 |
| Memoranda: | ||
| Average total assets | $135,110,333 | 3,649 |
| Average earning assets | $128,254,000 | 3,616 |
| Average equity | $9,059,667 | 4,095 |
| Average total loans | $86,045,667 | 3,377 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 705 |
| Cost of funding earning assets | 0.2244% | 2,468 |
| Net interest margin | 3.8218% | 612 |
| Noninterest income to average assets | 0.6099% | 1,655 |
| Noninterest expense to average assets | 3.2390% | 575 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7787% | 2,734 |
| Return on assets (ROA) | 0.7787% | 2,730 |
| Pretax return on assets | 1.0007% | 2,435 |
| Return on Equity (ROE) | 11.5897% | 1,425 |
| Retained earnings to average equity (ytd only) | 11.5897% | 657 |
| Net charge-offs to loans | -0.0282% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3966% | 1,476 |
| Assets per employee ($millions) | 4.2559% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,655 |
| Loan loss allowance to noncurrent loans | 246.1972% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 2,134 |
| Noncurrent loans to loans | 0.4122% | 2,016 |
| Net loans and leases to total assets | 60.6964% | 1,991 |
| Net loans and leases to deposits | 65.0318% | 2,427 |
| Net loans and leases to core deposits | 71.6784% | 2,142 |
| Total domestic deposits to total assets | 93.3333% | 195 |
| Equity capital to assets | 6.3683% | 4,478 |
| Core capital (leverage) ratio | 7.2198% | 4,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8647% | 2,273 |
| Memoranda: | ||
| Average total assets | $135,104,000 | 3,663 |
| Average earning assets | $128,318,000 | 3,628 |
| Average equity | $9,077,000 | 4,150 |
| Average total loans | $85,011,500 | 3,398 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 329 |
| Cost of funding earning assets | 0.3967% | 1,567 |
| Net interest margin | 4.4586% | 297 |
| Noninterest income to average assets | 0.6993% | 1,771 |
| Noninterest expense to average assets | 3.7283% | 379 |
| Loan and lease loss provision to assets | 0.2596% | 347 |
| Net operating income to assets | 0.7434% | 3,506 |
| Return on assets (ROA) | 0.7434% | 3,571 |
| Pretax return on assets | 0.9234% | 3,445 |
| Return on Equity (ROE) | 9.7494% | 2,618 |
| Retained earnings to average equity (ytd only) | 9.7494% | 979 |
| Net charge-offs to loans | 0.3499% | 243 |
| Credit loss provision to net charge-offs | 104.1667% | 1,760 |
| Earnings coverage of net charge-offs (x) | 4.7465% | 2,481 |
| Efficiency ratio | 75.9119% | 1,114 |
| Assets per employee ($millions) | 4.0551% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 3,617 |
| Loan loss allowance to noncurrent loans | 242.4581% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 2,169 |
| Noncurrent loans to loans | 0.4267% | 2,069 |
| Net loans and leases to total assets | 63.9905% | 1,701 |
| Net loans and leases to deposits | 68.9605% | 2,226 |
| Net loans and leases to core deposits | 76.5196% | 1,874 |
| Total domestic deposits to total assets | 92.7930% | 62 |
| Equity capital to assets | 7.0976% | 4,700 |
| Core capital (leverage) ratio | 7.6284% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8617% | 2,294 |
| Memoranda: | ||
| Average total assets | $115,548,600 | 3,847 |
| Average earning assets | $109,159,800 | 3,820 |
| Average equity | $8,810,800 | 4,260 |
| Average total loans | $82,317,800 | 3,436 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 365 |
| Cost of funding earning assets | 0.4448% | 1,387 |
| Net interest margin | 4.4288% | 358 |
| Noninterest income to average assets | 0.5750% | 2,322 |
| Noninterest expense to average assets | 3.7001% | 373 |
| Loan and lease loss provision to assets | 0.1723% | 624 |
| Net operating income to assets | 0.6679% | 3,844 |
| Return on assets (ROA) | 0.6679% | 3,903 |
| Pretax return on assets | 0.8869% | 3,721 |
| Return on Equity (ROE) | 8.5866% | 3,236 |
| Retained earnings to average equity (ytd only) | 8.5866% | 1,844 |
| Net charge-offs to loans | 0.0602% | 1,037 |
| Credit loss provision to net charge-offs | 391.8919% | 867 |
| Earnings coverage of net charge-offs (x) | 24.0541% | 1,650 |
| Efficiency ratio | 77.7389% | 898 |
| Assets per employee ($millions) | 3.2971% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 3,018 |
| Loan loss allowance to noncurrent loans | 157.0033% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 1,473 |
| Noncurrent loans to loans | 0.7602% | 1,483 |
| Net loans and leases to total assets | 67.2334% | 1,407 |
| Net loans and leases to deposits | 72.9772% | 1,964 |
| Net loans and leases to core deposits | 81.3128% | 1,628 |
| Total domestic deposits to total assets | 92.1293% | 102 |
| Equity capital to assets | 7.5985% | 4,680 |
| Core capital (leverage) ratio | 7.7903% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3757% | 2,213 |
| Memoranda: | ||
| Average total assets | $111,995,000 | 3,924 |
| Average earning assets | $105,818,750 | 3,891 |
| Average equity | $8,711,000 | 4,331 |
| Average total loans | $81,921,250 | 3,487 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 425 |
| Cost of funding earning assets | 0.4983% | 1,213 |
| Net interest margin | 4.3748% | 429 |
| Noninterest income to average assets | 0.5758% | 2,315 |
| Noninterest expense to average assets | 3.6333% | 395 |
| Loan and lease loss provision to assets | 0.2642% | 362 |
| Net operating income to assets | 0.5885% | 4,006 |
| Return on assets (ROA) | 0.5885% | 4,059 |
| Pretax return on assets | 0.8054% | 3,859 |
| Return on Equity (ROE) | 7.5044% | 3,527 |
| Retained earnings to average equity (ytd only) | 7.5044% | 2,250 |
| Net charge-offs to loans | 0.0850% | 832 |
| Credit loss provision to net charge-offs | 414.2857% | 747 |
| Earnings coverage of net charge-offs (x) | 16.7714% | 1,592 |
| Efficiency ratio | 77.2569% | 967 |
| Assets per employee ($millions) | 3.2867% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 3,135 |
| Loan loss allowance to noncurrent loans | 147.4809% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 1,460 |
| Noncurrent loans to loans | 0.7871% | 1,545 |
| Net loans and leases to total assets | 71.5046% | 1,025 |
| Net loans and leases to deposits | 77.6176% | 1,666 |
| Net loans and leases to core deposits | 89.5606% | 1,166 |
| Total domestic deposits to total assets | 92.1242% | 107 |
| Equity capital to assets | 7.6202% | 4,701 |
| Core capital (leverage) ratio | 7.9630% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3877% | 2,211 |
| Memoranda: | ||
| Average total assets | $109,762,000 | 3,966 |
| Average earning assets | $103,546,667 | 3,939 |
| Average equity | $8,608,333 | 4,362 |
| Average total loans | $82,306,333 | 3,510 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2219% | 264 |
| Cost of funding earning assets | 0.5428% | 1,151 |
| Net interest margin | 4.6792% | 272 |
| Noninterest income to average assets | 0.5601% | 2,372 |
| Noninterest expense to average assets | 3.7302% | 354 |
| Loan and lease loss provision to assets | 0.3547% | 235 |
| Net operating income to assets | 0.6236% | 3,881 |
| Return on assets (ROA) | 0.6236% | 3,950 |
| Pretax return on assets | 0.8849% | 3,637 |
| Return on Equity (ROE) | 7.8316% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.8316% | 2,305 |
| Net charge-offs to loans | 0.0147% | 1,453 |
| Credit loss provision to net charge-offs | 3,166.6667% | 175 |
| Earnings coverage of net charge-offs (x) | 110.6667% | 577 |
| Efficiency ratio | 75.0563% | 1,214 |
| Assets per employee ($millions) | 3.1664% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 3,270 |
| Loan loss allowance to noncurrent loans | 132.2176% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 1,416 |
| Noncurrent loans to loans | 0.8583% | 1,564 |
| Net loans and leases to total assets | 76.7182% | 567 |
| Net loans and leases to deposits | 83.7319% | 1,182 |
| Net loans and leases to core deposits | 98.5820% | 777 |
| Total domestic deposits to total assets | 91.6236% | 215 |
| Equity capital to assets | 7.9975% | 4,488 |
| Core capital (leverage) ratio | 8.1594% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4210% | 2,112 |
| Memoranda: | ||
| Average total assets | $107,125,000 | 3,998 |
| Average earning assets | $100,958,500 | 3,971 |
| Average equity | $8,529,500 | 4,384 |
| Average total loans | $81,848,500 | 3,528 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2293% | 318 |
| Cost of funding earning assets | 0.7435% | 1,490 |
| Net interest margin | 4.4858% | 340 |
| Noninterest income to average assets | 0.6818% | 1,920 |
| Noninterest expense to average assets | 3.8821% | 420 |
| Loan and lease loss provision to assets | 0.3058% | 1,229 |
| Net operating income to assets | 0.5690% | 3,849 |
| Return on assets (ROA) | 0.6441% | 3,740 |
| Pretax return on assets | 0.7929% | 3,641 |
| Return on Equity (ROE) | 7.8290% | 2,877 |
| Retained earnings to average equity (ytd only) | 7.8290% | 1,107 |
| Net charge-offs to loans | 0.0288% | 2,457 |
| Credit loss provision to net charge-offs | 1,428.5714% | 583 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 1,258 |
| Efficiency ratio | 79.4204% | 928 |
| Assets per employee ($millions) | 3.1350% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 3,608 |
| Loan loss allowance to noncurrent loans | 1,031.3253% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,943 |
| Noncurrent loans to loans | 0.1035% | 3,879 |
| Net loans and leases to total assets | 74.3956% | 971 |
| Net loans and leases to deposits | 81.0356% | 1,763 |
| Net loans and leases to core deposits | 95.8400% | 1,125 |
| Total domestic deposits to total assets | 91.8061% | 86 |
| Equity capital to assets | 7.9266% | 4,735 |
| Core capital (leverage) ratio | 8.0864% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0188% | 1,843 |
| Memoranda: | ||
| Average total assets | $98,118,200 | 4,024 |
| Average earning assets | $92,001,600 | 3,998 |
| Average equity | $8,072,600 | 4,417 |
| Average total loans | $72,820,000 | 3,674 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 462 |
| Cost of funding earning assets | 0.7877% | 1,555 |
| Net interest margin | 4.3523% | 519 |
| Noninterest income to average assets | 0.7236% | 1,722 |
| Noninterest expense to average assets | 3.9666% | 388 |
| Loan and lease loss provision to assets | 0.3333% | 1,164 |
| Net operating income to assets | 0.3404% | 4,376 |
| Return on assets (ROA) | 0.4403% | 4,253 |
| Pretax return on assets | 0.6250% | 4,059 |
| Return on Equity (ROE) | 5.2974% | 3,793 |
| Retained earnings to average equity (ytd only) | 5.2974% | 2,429 |
| Net charge-offs to loans | 0.0376% | 2,093 |
| Credit loss provision to net charge-offs | 1,200.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 29.9500% | 1,585 |
| Efficiency ratio | 82.6628% | 701 |
| Assets per employee ($millions) | 3.0480% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 3,837 |
| Loan loss allowance to noncurrent loans | 937.6471% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 3,280 |
| Noncurrent loans to loans | 0.1028% | 3,958 |
| Net loans and leases to total assets | 79.0516% | 703 |
| Net loans and leases to deposits | 86.1249% | 1,687 |
| Net loans and leases to core deposits | 97.2495% | 1,360 |
| Total domestic deposits to total assets | 91.7872% | 69 |
| Equity capital to assets | 7.8596% | 4,759 |
| Core capital (leverage) ratio | 7.4316% | 4,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1656% | 2,124 |
| Memoranda: | ||
| Average total assets | $96,000,000 | 4,046 |
| Average earning assets | $89,880,750 | 4,022 |
| Average equity | $7,978,500 | 4,448 |
| Average total loans | $70,986,250 | 3,730 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1360% | 643 |
| Cost of funding earning assets | 0.8384% | 1,641 |
| Net interest margin | 4.2976% | 758 |
| Noninterest income to average assets | 0.7790% | 1,492 |
| Noninterest expense to average assets | 4.0382% | 394 |
| Loan and lease loss provision to assets | 0.3852% | 1,065 |
| Net operating income to assets | 0.2763% | 4,460 |
| Return on assets (ROA) | 0.4301% | 4,234 |
| Pretax return on assets | 0.5650% | 4,128 |
| Return on Equity (ROE) | 5.0738% | 3,812 |
| Retained earnings to average equity (ytd only) | 5.0738% | 2,439 |
| Net charge-offs to loans | 0.0388% | 1,968 |
| Credit loss provision to net charge-offs | 1,384.6154% | 638 |
| Earnings coverage of net charge-offs (x) | 27.1538% | 1,497 |
| Efficiency ratio | 84.2411% | 629 |
| Assets per employee ($millions) | 3.1883% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 3,711 |
| Loan loss allowance to noncurrent loans | 277.6119% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 2,765 |
| Noncurrent loans to loans | 0.3493% | 3,146 |
| Net loans and leases to total assets | 74.4798% | 1,344 |
| Net loans and leases to deposits | 81.0789% | 2,305 |
| Net loans and leases to core deposits | 92.9221% | 1,823 |
| Total domestic deposits to total assets | 91.8608% | 58 |
| Equity capital to assets | 7.8765% | 4,775 |
| Core capital (leverage) ratio | 8.7317% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5087% | 1,631 |
| Memoranda: | ||
| Average total assets | $93,456,333 | 4,077 |
| Average earning assets | $87,304,667 | 4,062 |
| Average equity | $7,923,000 | 4,465 |
| Average total loans | $67,075,333 | 3,814 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3503% | 495 |
| Cost of funding earning assets | 0.8965% | 1,885 |
| Net interest margin | 4.4537% | 559 |
| Noninterest income to average assets | 0.7267% | 1,543 |
| Noninterest expense to average assets | 4.2076% | 414 |
| Loan and lease loss provision to assets | 0.0897% | 2,565 |
| Net operating income to assets | 0.4306% | 4,068 |
| Return on assets (ROA) | 0.4306% | 4,106 |
| Pretax return on assets | 0.5742% | 3,970 |
| Return on Equity (ROE) | 4.8815% | 3,677 |
| Retained earnings to average equity (ytd only) | 4.8815% | 2,330 |
| Net charge-offs to loans | 0.0835% | 1,199 |
| Credit loss provision to net charge-offs | 153.8462% | 1,573 |
| Earnings coverage of net charge-offs (x) | 11.3846% | 1,733 |
| Efficiency ratio | 86.3720% | 679 |
| Assets per employee ($millions) | 2.7835% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 4,072 |
| Loan loss allowance to noncurrent loans | 159.5628% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 2,238 |
| Noncurrent loans to loans | 0.5707% | 2,569 |
| Net loans and leases to total assets | 71.3487% | 2,028 |
| Net loans and leases to deposits | 78.5560% | 2,828 |
| Net loans and leases to core deposits | 91.6552% | 2,200 |
| Total domestic deposits to total assets | 90.8253% | 130 |
| Equity capital to assets | 8.9142% | 4,647 |
| Core capital (leverage) ratio | 9.0007% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9178% | 1,935 |
| Memoranda: | ||
| Average total assets | $89,172,000 | 4,131 |
| Average earning assets | $82,986,500 | 4,128 |
| Average equity | $7,866,500 | 4,497 |
| Average total loans | $62,247,000 | 3,919 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3837% | 690 |
| Cost of funding earning assets | 0.8817% | 2,278 |
| Net interest margin | 4.5020% | 714 |
| Noninterest income to average assets | 0.6683% | 1,931 |
| Noninterest expense to average assets | 4.2551% | 393 |
| Loan and lease loss provision to assets | 0.1589% | 1,317 |
| Net operating income to assets | 0.3615% | 4,660 |
| Return on assets (ROA) | 0.3615% | 4,692 |
| Pretax return on assets | 0.3979% | 4,710 |
| Return on Equity (ROE) | 3.9676% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.9676% | 2,977 |
| Net charge-offs to loans | 0.3898% | 500 |
| Credit loss provision to net charge-offs | 60.0917% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.1055% | 3,455 |
| Efficiency ratio | 88.4295% | 416 |
| Assets per employee ($millions) | 2.7898% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 3,722 |
| Loan loss allowance to noncurrent loans | 124.8918% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 1,914 |
| Noncurrent loans to loans | 0.7654% | 1,981 |
| Net loans and leases to total assets | 66.9654% | 2,836 |
| Net loans and leases to deposits | 73.4928% | 3,394 |
| Net loans and leases to core deposits | 86.6745% | 2,738 |
| Total domestic deposits to total assets | 91.1183% | 104 |
| Equity capital to assets | 8.7294% | 4,813 |
| Core capital (leverage) ratio | 9.2172% | 4,350 |
| Tier 1 risk-based capital ratio | 14.7149% | 2,900 |
| Total risk-based capital ratio | 15.8025% | 2,899 |
| Memoranda: | ||
| Average total assets | $82,442,600 | 4,249 |
| Average earning assets | $75,877,600 | 4,256 |
| Average equity | $7,510,800 | 4,572 |
| Average total loans | $55,930,200 | 4,054 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4113% | 680 |
| Cost of funding earning assets | 0.8674% | 2,375 |
| Net interest margin | 4.5439% | 693 |
| Noninterest income to average assets | 0.6094% | 2,159 |
| Noninterest expense to average assets | 4.2756% | 374 |
| Loan and lease loss provision to assets | 0.1073% | 1,805 |
| Net operating income to assets | 0.3963% | 4,732 |
| Return on assets (ROA) | 0.3963% | 4,755 |
| Pretax return on assets | 0.3963% | 4,812 |
| Return on Equity (ROE) | 4.3008% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.3008% | 3,248 |
| Net charge-offs to loans | 0.5156% | 329 |
| Credit loss provision to net charge-offs | 30.6604% | 2,913 |
| Earnings coverage of net charge-offs (x) | 1.4387% | 3,289 |
| Efficiency ratio | 89.4610% | 341 |
| Assets per employee ($millions) | 2.7267% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 3,863 |
| Loan loss allowance to noncurrent loans | 105.0813% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 1,991 |
| Noncurrent loans to loans | 0.8959% | 1,784 |
| Net loans and leases to total assets | 62.3449% | 3,459 |
| Net loans and leases to deposits | 68.5169% | 3,884 |
| Net loans and leases to core deposits | 81.4381% | 3,282 |
| Total domestic deposits to total assets | 90.9919% | 102 |
| Equity capital to assets | 8.7766% | 4,884 |
| Core capital (leverage) ratio | 9.4866% | 4,176 |
| Tier 1 risk-based capital ratio | 16.2480% | 2,349 |
| Total risk-based capital ratio | 17.3321% | 2,343 |
| Memoranda: | ||
| Average total assets | $80,735,000 | 4,328 |
| Average earning assets | $74,090,500 | 4,337 |
| Average equity | $7,440,250 | 4,638 |
| Average total loans | $54,823,000 | 4,129 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4072% | 670 |
| Cost of funding earning assets | 0.8485% | 2,405 |
| Net interest margin | 4.5587% | 672 |
| Noninterest income to average assets | 0.6110% | 2,096 |
| Noninterest expense to average assets | 4.4144% | 332 |
| Loan and lease loss provision to assets | 0.0713% | 2,390 |
| Net operating income to assets | 0.3106% | 4,861 |
| Return on assets (ROA) | 0.3106% | 4,872 |
| Pretax return on assets | 0.3106% | 4,922 |
| Return on Equity (ROE) | 3.3118% | 4,725 |
| Retained earnings to average equity (ytd only) | 3.3118% | 3,572 |
| Net charge-offs to loans | 0.7629% | 184 |
| Credit loss provision to net charge-offs | 13.3971% | 2,683 |
| Earnings coverage of net charge-offs (x) | 0.7177% | 3,078 |
| Efficiency ratio | 92.0382% | 280 |
| Assets per employee ($millions) | 2.4448% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 4,146 |
| Loan loss allowance to noncurrent loans | 94.8919% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.7945% | 1,765 |
| Noncurrent loans to loans | 0.9340% | 1,751 |
| Net loans and leases to total assets | 66.9534% | 2,968 |
| Net loans and leases to deposits | 73.9895% | 3,520 |
| Net loans and leases to core deposits | 88.5813% | 2,739 |
| Total domestic deposits to total assets | 90.4905% | 191 |
| Equity capital to assets | 9.2951% | 4,581 |
| Core capital (leverage) ratio | 9.7433% | 3,891 |
| Tier 1 risk-based capital ratio | 16.3615% | 2,284 |
| Total risk-based capital ratio | 17.3972% | 2,294 |
| Memoranda: | ||
| Average total assets | $78,561,670 | 4,399 |
| Average earning assets | $72,125,670 | 4,397 |
| Average equity | $7,367,670 | 4,671 |
| Average total loans | $54,792,000 | 4,152 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3294% | 718 |
| Cost of funding earning assets | 0.8273% | 2,385 |
| Net interest margin | 4.5021% | 742 |
| Noninterest income to average assets | 0.6142% | 1,979 |
| Noninterest expense to average assets | 4.4230% | 320 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2529% | 4,954 |
| Return on assets (ROA) | 0.2529% | 4,962 |
| Pretax return on assets | 0.3200% | 4,939 |
| Return on Equity (ROE) | 2.6842% | 4,854 |
| Retained earnings to average equity (ytd only) | 2.6842% | 3,862 |
| Net charge-offs to loans | 1.5290% | 76 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 0.2952% | 2,669 |
| Efficiency ratio | 93.2535% | 301 |
| Assets per employee ($millions) | 2.4277% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 4,392 |
| Loan loss allowance to noncurrent loans | 80.2120% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 1,425 |
| Noncurrent loans to loans | 1.0446% | 1,597 |
| Net loans and leases to total assets | 69.1626% | 2,601 |
| Net loans and leases to deposits | 76.5698% | 3,209 |
| Net loans and leases to core deposits | 90.3054% | 2,467 |
| Total domestic deposits to total assets | 90.3263% | 345 |
| Equity capital to assets | 9.4690% | 4,287 |
| Core capital (leverage) ratio | 9.6780% | 3,940 |
| Tier 1 risk-based capital ratio | 16.7168% | 2,196 |
| Total risk-based capital ratio | 17.7211% | 2,223 |
| Memoranda: | ||
| Average total assets | $77,504,000 | 4,462 |
| Average earning assets | $71,078,000 | 4,466 |
| Average equity | $7,302,000 | 4,713 |
| Average total loans | $54,938,500 | 4,188 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4108% | 474 |
| Cost of funding earning assets | 0.7600% | 1,738 |
| Net interest margin | 4.6509% | 542 |
| Noninterest income to average assets | 0.5178% | 2,728 |
| Noninterest expense to average assets | 4.1511% | 433 |
| Loan and lease loss provision to assets | 0.0874% | 2,399 |
| Net operating income to assets | 0.4227% | 4,825 |
| Return on assets (ROA) | 0.4227% | 4,819 |
| Pretax return on assets | 0.5409% | 4,735 |
| Return on Equity (ROE) | 4.6493% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.6493% | 2,962 |
| Net charge-offs to loans | 0.0635% | 2,211 |
| Credit loss provision to net charge-offs | 188.8889% | 1,512 |
| Earnings coverage of net charge-offs (x) | 13.5833% | 2,446 |
| Efficiency ratio | 86.8548% | 482 |
| Assets per employee ($millions) | 2.4943% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 2,613 |
| Loan loss allowance to noncurrent loans | 139.2034% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.8704% | 1,598 |
| Noncurrent loans to loans | 0.8565% | 1,884 |
| Net loans and leases to total assets | 71.1690% | 2,399 |
| Net loans and leases to deposits | 78.6525% | 3,086 |
| Net loans and leases to core deposits | 92.8087% | 2,341 |
| Total domestic deposits to total assets | 90.4854% | 327 |
| Equity capital to assets | 9.3737% | 4,243 |
| Core capital (leverage) ratio | 9.3365% | 4,319 |
| Tier 1 risk-based capital ratio | 15.9356% | 2,430 |
| Total risk-based capital ratio | 17.1886% | 2,370 |
| Memoranda: | ||
| Average total assets | $77,835,200 | 4,468 |
| Average earning assets | $71,320,000 | 4,474 |
| Average equity | $7,076,400 | 4,733 |
| Average total loans | $56,713,200 | 4,167 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3477% | 479 |
| Cost of funding earning assets | 0.7389% | 1,624 |
| Net interest margin | 4.6088% | 588 |
| Noninterest income to average assets | 0.5438% | 2,599 |
| Noninterest expense to average assets | 4.0428% | 501 |
| Loan and lease loss provision to assets | 0.1146% | 1,768 |
| Net operating income to assets | 0.5130% | 4,729 |
| Return on assets (ROA) | 0.5130% | 4,730 |
| Pretax return on assets | 0.6105% | 4,713 |
| Return on Equity (ROE) | 5.6869% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.6869% | 2,830 |
| Net charge-offs to loans | 0.0702% | 1,832 |
| Credit loss provision to net charge-offs | 223.3333% | 1,279 |
| Earnings coverage of net charge-offs (x) | 14.1330% | 2,307 |
| Efficiency ratio | 84.7920% | 595 |
| Assets per employee ($millions) | 2.6230% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 2,758 |
| Loan loss allowance to noncurrent loans | 152.3918% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.8314% | 1,784 |
| Noncurrent loans to loans | 0.7724% | 2,155 |
| Net loans and leases to total assets | 69.0738% | 2,790 |
| Net loans and leases to deposits | 75.9205% | 3,421 |
| Net loans and leases to core deposits | 89.2317% | 2,727 |
| Total domestic deposits to total assets | 90.9818% | 227 |
| Equity capital to assets | 8.8055% | 4,720 |
| Core capital (leverage) ratio | 9.4283% | 4,254 |
| Tier 1 risk-based capital ratio | 15.3564% | 2,716 |
| Total risk-based capital ratio | 16.6091% | 2,642 |
| Memoranda: | ||
| Average total assets | $77,963,250 | 4,508 |
| Average earning assets | $71,455,500 | 4,511 |
| Average equity | $7,033,500 | 4,789 |
| Average total loans | $56,968,000 | 4,211 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3272% | 444 |
| Cost of funding earning assets | 0.7326% | 1,456 |
| Net interest margin | 4.5946% | 555 |
| Noninterest income to average assets | 0.5101% | 2,801 |
| Noninterest expense to average assets | 4.0574% | 492 |
| Loan and lease loss provision to assets | 0.1171% | 1,690 |
| Net operating income to assets | 0.5465% | 4,635 |
| Return on assets (ROA) | 0.5465% | 4,640 |
| Pretax return on assets | 0.5465% | 4,821 |
| Return on Equity (ROE) | 6.0074% | 4,239 |
| Retained earnings to average equity (ytd only) | 6.0074% | 2,557 |
| Net charge-offs to loans | 0.0702% | 1,638 |
| Credit loss provision to net charge-offs | 225.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 2,186 |
| Efficiency ratio | 85.9427% | 572 |
| Assets per employee ($millions) | 2.4785% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 3,117 |
| Loan loss allowance to noncurrent loans | 196.1194% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.7458% | 2,002 |
| Noncurrent loans to loans | 0.5742% | 2,698 |
| Net loans and leases to total assets | 75.0833% | 1,777 |
| Net loans and leases to deposits | 82.8160% | 2,681 |
| Net loans and leases to core deposits | 96.4424% | 2,019 |
| Total domestic deposits to total assets | 90.6627% | 343 |
| Equity capital to assets | 9.2058% | 4,379 |
| Core capital (leverage) ratio | 9.4209% | 4,218 |
| Tier 1 risk-based capital ratio | 14.6732% | 3,028 |
| Total risk-based capital ratio | 15.9245% | 2,954 |
| Memoranda: | ||
| Average total assets | $76,846,670 | 4,572 |
| Average earning assets | $70,431,000 | 4,582 |
| Average equity | $6,991,330 | 4,847 |
| Average total loans | $57,012,330 | 4,246 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2019% | 487 |
| Cost of funding earning assets | 0.7189% | 1,349 |
| Net interest margin | 4.4831% | 642 |
| Noninterest income to average assets | 0.5361% | 2,607 |
| Noninterest expense to average assets | 4.1065% | 463 |
| Loan and lease loss provision to assets | 0.1197% | 1,580 |
| Net operating income to assets | 0.4320% | 4,856 |
| Return on assets (ROA) | 0.4320% | 4,862 |
| Pretax return on assets | 0.4320% | 4,982 |
| Return on Equity (ROE) | 4.7766% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.7766% | 3,268 |
| Net charge-offs to loans | 0.0142% | 2,256 |
| Credit loss provision to net charge-offs | 1,150.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 920 |
| Efficiency ratio | 88.1564% | 528 |
| Assets per employee ($millions) | 2.6327% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 3,120 |
| Loan loss allowance to noncurrent loans | 142.8884% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.9205% | 1,721 |
| Noncurrent loans to loans | 0.8009% | 2,211 |
| Net loans and leases to total assets | 71.4175% | 2,268 |
| Net loans and leases to deposits | 78.3812% | 2,975 |
| Net loans and leases to core deposits | 91.5193% | 2,333 |
| Total domestic deposits to total assets | 91.1157% | 285 |
| Equity capital to assets | 8.7817% | 4,762 |
| Core capital (leverage) ratio | 9.6590% | 3,894 |
| Tier 1 risk-based capital ratio | 14.5495% | 3,097 |
| Total risk-based capital ratio | 15.8001% | 2,998 |
| Memoranda: | ||
| Average total assets | $76,854,000 | 4,625 |
| Average earning assets | $70,666,000 | 4,626 |
| Average equity | $6,950,500 | 4,902 |
| Average total loans | $56,346,000 | 4,296 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 275 |
| Cost of funding earning assets | 0.7159% | 946 |
| Net interest margin | 4.7569% | 381 |
| Noninterest income to average assets | 0.4150% | 3,532 |
| Noninterest expense to average assets | 4.2630% | 391 |
| Loan and lease loss provision to assets | 0.1241% | 1,844 |
| Net operating income to assets | 0.1779% | 5,149 |
| Return on assets (ROA) | 0.1779% | 5,162 |
| Pretax return on assets | 0.3061% | 5,204 |
| Return on Equity (ROE) | 1.8392% | 5,094 |
| Retained earnings to average equity (ytd only) | 1.8392% | 4,217 |
| Net charge-offs to loans | 0.0254% | 3,297 |
| Credit loss provision to net charge-offs | 642.8571% | 502 |
| Earnings coverage of net charge-offs (x) | 22.2857% | 1,858 |
| Efficiency ratio | 90.8343% | 390 |
| Assets per employee ($millions) | 2.4105% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,141 |
| Loan loss allowance to noncurrent loans | 124.4094% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 1,466 |
| Noncurrent loans to loans | 0.9131% | 1,958 |
| Net loans and leases to total assets | 73.6022% | 1,986 |
| Net loans and leases to deposits | 81.2828% | 2,787 |
| Net loans and leases to core deposits | 95.8856% | 2,031 |
| Total domestic deposits to total assets | 90.5508% | 379 |
| Equity capital to assets | 9.3207% | 4,407 |
| Core capital (leverage) ratio | 9.6852% | 3,831 |
| Tier 1 risk-based capital ratio | 14.5977% | 3,043 |
| Total risk-based capital ratio | 15.8486% | 2,969 |
| Memoranda: | ||
| Average total assets | $72,530,800 | 4,735 |
| Average earning assets | $65,231,000 | 4,759 |
| Average equity | $7,013,800 | 4,935 |
| Average total loans | $55,074,400 | 4,325 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5226% | 247 |
| Cost of funding earning assets | 0.7043% | 944 |
| Net interest margin | 4.8183% | 322 |
| Noninterest income to average assets | 0.5557% | 2,698 |
| Noninterest expense to average assets | 4.2528% | 388 |
| Loan and lease loss provision to assets | 0.1259% | 1,722 |
| Net operating income to assets | 0.4853% | 4,772 |
| Return on assets (ROA) | 0.4853% | 4,812 |
| Pretax return on assets | 0.4853% | 5,058 |
| Return on Equity (ROE) | 4.9718% | 4,538 |
| Retained earnings to average equity (ytd only) | 4.9718% | 2,905 |
| Net charge-offs to loans | 0.0267% | 2,903 |
| Credit loss provision to net charge-offs | 618.1818% | 533 |
| Earnings coverage of net charge-offs (x) | 29.9925% | 1,555 |
| Efficiency ratio | 87.4334% | 543 |
| Assets per employee ($millions) | 2.6546% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,530 |
| Loan loss allowance to noncurrent loans | 176.6571% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.9646% | 1,763 |
| Noncurrent loans to loans | 0.6183% | 2,859 |
| Net loans and leases to total assets | 74.6758% | 1,809 |
| Net loans and leases to deposits | 82.8878% | 2,673 |
| Net loans and leases to core deposits | 97.4849% | 1,928 |
| Total domestic deposits to total assets | 90.0926% | 446 |
| Equity capital to assets | 9.6976% | 4,248 |
| Core capital (leverage) ratio | 10.0001% | 3,563 |
| Tier 1 risk-based capital ratio | 14.3906% | 3,244 |
| Total risk-based capital ratio | 15.6310% | 3,166 |
| Memoranda: | ||
| Average total assets | $71,982,000 | 4,791 |
| Average earning assets | $64,364,500 | 4,829 |
| Average equity | $7,026,000 | 4,993 |
| Average total loans | $54,935,000 | 4,364 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5607% | 227 |
| Cost of funding earning assets | 0.6982% | 903 |
| Net interest margin | 4.8625% | 281 |
| Noninterest income to average assets | 0.5674% | 2,622 |
| Noninterest expense to average assets | 4.2753% | 389 |
| Loan and lease loss provision to assets | 0.1264% | 1,639 |
| Net operating income to assets | 0.5084% | 4,682 |
| Return on assets (ROA) | 0.5084% | 4,718 |
| Pretax return on assets | 0.5084% | 4,993 |
| Return on Equity (ROE) | 5.1972% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.1972% | 2,582 |
| Net charge-offs to loans | 0.0293% | 2,623 |
| Credit loss provision to net charge-offs | 562.5000% | 595 |
| Earnings coverage of net charge-offs (x) | 28.2500% | 1,509 |
| Efficiency ratio | 87.0709% | 601 |
| Assets per employee ($millions) | 2.5083% | 5,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 3,527 |
| Loan loss allowance to noncurrent loans | 193.1596% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.9307% | 1,888 |
| Noncurrent loans to loans | 0.5749% | 3,003 |
| Net loans and leases to total assets | 72.5963% | 2,107 |
| Net loans and leases to deposits | 80.6291% | 2,845 |
| Net loans and leases to core deposits | 92.3249% | 2,312 |
| Total domestic deposits to total assets | 90.0374% | 525 |
| Equity capital to assets | 9.7963% | 4,126 |
| Core capital (leverage) ratio | 9.9898% | 3,550 |
| Tier 1 risk-based capital ratio | 14.6841% | 3,074 |
| Total risk-based capital ratio | 15.9227% | 2,997 |
| Memoranda: | ||
| Average total assets | $71,200,000 | 4,837 |
| Average earning assets | $63,589,000 | 4,879 |
| Average equity | $6,965,330 | 5,031 |
| Average total loans | $54,540,670 | 4,400 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4391% | 255 |
| Cost of funding earning assets | 0.6925% | 872 |
| Net interest margin | 4.7466% | 344 |
| Noninterest income to average assets | 0.5850% | 2,487 |
| Noninterest expense to average assets | 4.2880% | 387 |
| Loan and lease loss provision to assets | 0.1306% | 1,467 |
| Net operating income to assets | 0.4487% | 4,785 |
| Return on assets (ROA) | 0.4487% | 4,807 |
| Pretax return on assets | 0.4487% | 5,063 |
| Return on Equity (ROE) | 4.5897% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.5897% | 3,130 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0980% | 655 |
| Assets per employee ($millions) | 2.5210% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 4,066 |
| Loan loss allowance to noncurrent loans | 179.2570% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.9818% | 1,868 |
| Noncurrent loans to loans | 0.5769% | 3,079 |
| Net loans and leases to total assets | 78.4989% | 1,060 |
| Net loans and leases to deposits | 87.1816% | 1,894 |
| Net loans and leases to core deposits | 99.5169% | 1,541 |
| Total domestic deposits to total assets | 90.0407% | 639 |
| Equity capital to assets | 9.8092% | 3,967 |
| Core capital (leverage) ratio | 9.7979% | 3,758 |
| Tier 1 risk-based capital ratio | 13.9256% | 3,526 |
| Total risk-based capital ratio | 15.0894% | 3,491 |
| Memoranda: | ||
| Average total assets | $70,429,000 | 4,907 |
| Average earning assets | $63,540,000 | 4,927 |
| Average equity | $6,885,000 | 5,086 |
| Average total loans | $55,110,500 | 4,422 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7396% | 178 |
| Cost of funding earning assets | 0.6777% | 922 |
| Net interest margin | 5.0620% | 225 |
| Noninterest income to average assets | 0.6199% | 2,556 |
| Noninterest expense to average assets | 4.3258% | 440 |
| Loan and lease loss provision to assets | 0.2450% | 862 |
| Net operating income to assets | 0.5265% | 4,525 |
| Return on assets (ROA) | 0.5907% | 4,361 |
| Pretax return on assets | 0.5907% | 4,814 |
| Return on Equity (ROE) | 6.6261% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.6261% | 1,394 |
| Net charge-offs to loans | 0.2427% | 1,145 |
| Credit loss provision to net charge-offs | 130.2326% | 2,065 |
| Earnings coverage of net charge-offs (x) | 4.1008% | 3,553 |
| Efficiency ratio | 84.8641% | 918 |
| Assets per employee ($millions) | 2.4231% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 4,165 |
| Loan loss allowance to noncurrent loans | 128.7037% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.2210% | 1,470 |
| Noncurrent loans to loans | 0.7966% | 2,522 |
| Net loans and leases to total assets | 76.3843% | 1,455 |
| Net loans and leases to deposits | 84.7480% | 2,335 |
| Net loans and leases to core deposits | 99.7361% | 1,641 |
| Total domestic deposits to total assets | 90.1311% | 590 |
| Equity capital to assets | 9.7423% | 4,014 |
| Core capital (leverage) ratio | 10.0271% | 3,455 |
| Tier 1 risk-based capital ratio | 13.6365% | 3,683 |
| Total risk-based capital ratio | 14.7433% | 3,673 |
| Memoranda: | ||
| Average total assets | $68,564,800 | 4,964 |
| Average earning assets | $60,648,400 | 5,004 |
| Average equity | $6,112,200 | 5,260 |
| Average total loans | $53,142,200 | 4,488 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8093% | 166 |
| Cost of funding earning assets | 0.6655% | 974 |
| Net interest margin | 5.1438% | 193 |
| Noninterest income to average assets | 0.6340% | 2,501 |
| Noninterest expense to average assets | 4.4125% | 413 |
| Loan and lease loss provision to assets | 0.2211% | 938 |
| Net operating income to assets | 0.5225% | 4,607 |
| Return on assets (ROA) | 0.6086% | 4,376 |
| Pretax return on assets | 0.6086% | 4,855 |
| Return on Equity (ROE) | 6.9941% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.9941% | 1,633 |
| Net charge-offs to loans | 0.0530% | 2,605 |
| Credit loss provision to net charge-offs | 538.0952% | 665 |
| Earnings coverage of net charge-offs (x) | 18.0946% | 2,015 |
| Efficiency ratio | 85.5787% | 858 |
| Assets per employee ($millions) | 2.4581% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 3,662 |
| Loan loss allowance to noncurrent loans | 93.8367% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.5881% | 1,098 |
| Noncurrent loans to loans | 1.2073% | 1,857 |
| Net loans and leases to total assets | 77.2179% | 1,319 |
| Net loans and leases to deposits | 85.1863% | 2,344 |
| Net loans and leases to core deposits | 95.9279% | 1,994 |
| Total domestic deposits to total assets | 90.6460% | 287 |
| Equity capital to assets | 9.0140% | 5,163 |
| Core capital (leverage) ratio | 8.8935% | 4,949 |
| Tier 1 risk-based capital ratio | 11.4267% | 5,137 |
| Total risk-based capital ratio | 12.5859% | 5,088 |
| Memoranda: | ||
| Average total assets | $68,138,250 | 5,018 |
| Average earning assets | $59,902,750 | 5,066 |
| Average equity | $5,928,750 | 5,344 |
| Average total loans | $52,869,750 | 4,530 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8633% | 150 |
| Cost of funding earning assets | 0.6518% | 1,049 |
| Net interest margin | 5.2114% | 164 |
| Noninterest income to average assets | 0.6303% | 2,462 |
| Noninterest expense to average assets | 4.4236% | 408 |
| Loan and lease loss provision to assets | 0.2209% | 942 |
| Net operating income to assets | 0.5772% | 4,367 |
| Return on assets (ROA) | 0.6420% | 4,222 |
| Pretax return on assets | 0.6420% | 4,781 |
| Return on Equity (ROE) | 7.4696% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.4696% | 1,401 |
| Net charge-offs to loans | 0.0380% | 2,699 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 27.1000% | 1,467 |
| Efficiency ratio | 84.7152% | 990 |
| Assets per employee ($millions) | 2.3458% | 5,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,861 |
| Loan loss allowance to noncurrent loans | 103.1915% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.4817% | 1,296 |
| Noncurrent loans to loans | 1.0820% | 2,128 |
| Net loans and leases to total assets | 75.7717% | 1,526 |
| Net loans and leases to deposits | 83.4807% | 2,530 |
| Net loans and leases to core deposits | 93.2639% | 2,232 |
| Total domestic deposits to total assets | 90.7656% | 238 |
| Equity capital to assets | 8.9889% | 5,246 |
| Core capital (leverage) ratio | 8.6385% | 5,227 |
| Tier 1 risk-based capital ratio | 11.5952% | 5,094 |
| Total risk-based capital ratio | 12.7369% | 5,052 |
| Memoranda: | ||
| Average total assets | $67,909,000 | 5,071 |
| Average earning assets | $59,830,000 | 5,115 |
| Average equity | $5,837,000 | 5,415 |
| Average total loans | $52,574,670 | 4,569 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7525% | 173 |
| Cost of funding earning assets | 0.6237% | 1,194 |
| Net interest margin | 5.1288% | 196 |
| Noninterest income to average assets | 0.6603% | 2,214 |
| Noninterest expense to average assets | 4.3685% | 433 |
| Loan and lease loss provision to assets | 0.2240% | 842 |
| Net operating income to assets | 0.6249% | 4,077 |
| Return on assets (ROA) | 0.6249% | 4,194 |
| Pretax return on assets | 0.6249% | 4,745 |
| Return on Equity (ROE) | 7.4412% | 3,219 |
| Retained earnings to average equity (ytd only) | 7.4412% | 1,692 |
| Net charge-offs to loans | 0.0152% | 2,635 |
| Credit loss provision to net charge-offs | 1,900.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 679 |
| Efficiency ratio | 83.7288% | 1,182 |
| Assets per employee ($millions) | 2.4568% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 4,425 |
| Loan loss allowance to noncurrent loans | 90.5074% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.8230% | 1,010 |
| Noncurrent loans to loans | 1.1421% | 2,122 |
| Net loans and leases to total assets | 76.9643% | 1,255 |
| Net loans and leases to deposits | 87.2236% | 1,915 |
| Net loans and leases to core deposits | 97.2609% | 1,686 |
| Total domestic deposits to total assets | 88.2379% | 1,509 |
| Equity capital to assets | 8.6642% | 5,451 |
| Core capital (leverage) ratio | 8.6975% | 5,177 |
| Tier 1 risk-based capital ratio | 10.9637% | 5,525 |
| Total risk-based capital ratio | 12.0121% | 5,534 |
| Memoranda: | ||
| Average total assets | $67,849,500 | 5,121 |
| Average earning assets | $60,286,500 | 5,150 |
| Average equity | $5,698,000 | 5,474 |
| Average total loans | $52,798,000 | 4,597 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8093% | 170 |
| Cost of funding earning assets | 0.6023% | 1,344 |
| Net interest margin | 5.2069% | 181 |
| Noninterest income to average assets | 0.2698% | 4,940 |
| Noninterest expense to average assets | 5.2794% | 228 |
| Loan and lease loss provision to assets | 0.3582% | 403 |
| Net operating income to assets | -0.7224% | 6,078 |
| Return on assets (ROA) | -0.7224% | 6,080 |
| Pretax return on assets | -0.7300% | 6,074 |
| Return on Equity (ROE) | -8.2377% | 6,086 |
| Retained earnings to average equity (ytd only) | -8.2377% | 6,004 |
| Net charge-offs to loans | 0.0740% | 2,774 |
| Credit loss provision to net charge-offs | 635.1351% | 531 |
| Earnings coverage of net charge-offs (x) | -6.5946% | 4,413 |
| Efficiency ratio | 107.5776% | 162 |
| Assets per employee ($millions) | 2.3072% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 4,659 |
| Loan loss allowance to noncurrent loans | 84.8933% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.8712% | 984 |
| Noncurrent loans to loans | 1.1689% | 2,022 |
| Net loans and leases to total assets | 77.0931% | 1,242 |
| Net loans and leases to deposits | 86.8342% | 2,023 |
| Net loans and leases to core deposits | 96.4908% | 1,800 |
| Total domestic deposits to total assets | 88.7819% | 1,238 |
| Equity capital to assets | 8.1243% | 5,797 |
| Core capital (leverage) ratio | 8.0443% | 5,813 |
| Tier 1 risk-based capital ratio | 10.3855% | 5,825 |
| Total risk-based capital ratio | 11.3841% | 5,846 |
| Memoranda: | ||
| Average total assets | $65,614,000 | 5,191 |
| Average earning assets | $58,441,200 | 5,225 |
| Average equity | $5,754,000 | 5,493 |
| Average total loans | $50,001,400 | 4,670 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8085% | 171 |
| Cost of funding earning assets | 0.6079% | 1,360 |
| Net interest margin | 5.2005% | 185 |
| Noninterest income to average assets | 0.5228% | 3,212 |
| Noninterest expense to average assets | 5.0645% | 271 |
| Loan and lease loss provision to assets | 0.2451% | 713 |
| Net operating income to assets | -0.1470% | 6,027 |
| Return on assets (ROA) | -0.1470% | 6,042 |
| Pretax return on assets | -0.1573% | 6,034 |
| Return on Equity (ROE) | -1.6457% | 6,049 |
| Retained earnings to average equity (ytd only) | -1.6457% | 5,817 |
| Net charge-offs to loans | 0.0808% | 2,399 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 1.4333% | 3,837 |
| Efficiency ratio | 98.2957% | 345 |
| Assets per employee ($millions) | 2.3769% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 5,544 |
| Loan loss allowance to noncurrent loans | 85.9244% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 2.0555% | 978 |
| Noncurrent loans to loans | 0.9190% | 2,680 |
| Net loans and leases to total assets | 77.2152% | 1,220 |
| Net loans and leases to deposits | 86.3724% | 2,104 |
| Net loans and leases to core deposits | 95.9394% | 1,889 |
| Total domestic deposits to total assets | 89.3979% | 818 |
| Equity capital to assets | 8.8185% | 5,474 |
| Core capital (leverage) ratio | 8.8260% | 5,210 |
| Tier 1 risk-based capital ratio | 11.2413% | 5,527 |
| Total risk-based capital ratio | 12.0104% | 5,708 |
| Memoranda: | ||
| Average total assets | $65,290,000 | 5,259 |
| Average earning assets | $58,120,750 | 5,303 |
| Average equity | $5,833,500 | 5,544 |
| Average total loans | $49,476,750 | 4,736 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7250% | 187 |
| Cost of funding earning assets | 0.5964% | 1,442 |
| Net interest margin | 5.1286% | 199 |
| Noninterest income to average assets | 0.6012% | 2,734 |
| Noninterest expense to average assets | 5.0348% | 284 |
| Loan and lease loss provision to assets | 0.2929% | 537 |
| Net operating income to assets | -0.1511% | 6,076 |
| Return on assets (ROA) | -0.1511% | 6,104 |
| Pretax return on assets | -0.1665% | 6,093 |
| Return on Equity (ROE) | -1.6834% | 6,116 |
| Retained earnings to average equity (ytd only) | -1.6834% | 5,795 |
| Net charge-offs to loans | 0.1109% | 1,891 |
| Credit loss provision to net charge-offs | 351.8519% | 825 |
| Earnings coverage of net charge-offs (x) | 1.5185% | 3,499 |
| Efficiency ratio | 97.5508% | 389 |
| Assets per employee ($millions) | 2.2928% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 5,710 |
| Loan loss allowance to noncurrent loans | 28.7305% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 2.1567% | 984 |
| Noncurrent loans to loans | 2.6147% | 841 |
| Net loans and leases to total assets | 76.8950% | 1,239 |
| Net loans and leases to deposits | 87.3627% | 1,901 |
| Net loans and leases to core deposits | 95.6612% | 1,833 |
| Total domestic deposits to total assets | 88.0181% | 1,647 |
| Equity capital to assets | 8.7574% | 5,476 |
| Core capital (leverage) ratio | 9.1657% | 4,735 |
| Tier 1 risk-based capital ratio | 11.1769% | 5,629 |
| Total risk-based capital ratio | 11.8976% | 5,804 |
| Memoranda: | ||
| Average total assets | $64,869,000 | 5,326 |
| Average earning assets | $57,677,000 | 5,379 |
| Average equity | $5,821,670 | 5,597 |
| Average total loans | $48,703,000 | 4,798 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7070% | 191 |
| Cost of funding earning assets | 0.5833% | 1,556 |
| Net interest margin | 5.1236% | 196 |
| Noninterest income to average assets | 0.6241% | 2,530 |
| Noninterest expense to average assets | 5.0616% | 281 |
| Loan and lease loss provision to assets | 0.0936% | 2,130 |
| Net operating income to assets | 0.0187% | 5,995 |
| Return on assets (ROA) | 0.0187% | 6,034 |
| Pretax return on assets | 0.0187% | 6,031 |
| Return on Equity (ROE) | 0.2050% | 6,025 |
| Retained earnings to average equity (ytd only) | 0.2050% | 5,303 |
| Net charge-offs to loans | -0.0085% | 4,652 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8287% | 434 |
| Assets per employee ($millions) | 2.1887% | 6,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6849% | 5,930 |
| Loan loss allowance to noncurrent loans | 24.9627% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 2.5829% | 816 |
| Noncurrent loans to loans | 2.7437% | 853 |
| Net loans and leases to total assets | 73.9804% | 1,504 |
| Net loans and leases to deposits | 81.4162% | 2,392 |
| Net loans and leases to core deposits | 88.1120% | 2,319 |
| Total domestic deposits to total assets | 90.8669% | 411 |
| Equity capital to assets | 8.9839% | 5,311 |
| Core capital (leverage) ratio | 9.3717% | 4,470 |
| Tier 1 risk-based capital ratio | 11.5265% | 5,545 |
| Total risk-based capital ratio | 12.1784% | 5,765 |
| Memoranda: | ||
| Average total assets | $64,090,000 | 5,392 |
| Average earning assets | $56,913,000 | 5,448 |
| Average equity | $5,853,500 | 5,638 |
| Average total loans | $47,296,500 | 4,875 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3334% | 427 |
| Cost of funding earning assets | 0.5975% | 1,779 |
| Net interest margin | 4.7359% | 492 |
| Noninterest income to average assets | 0.5476% | 3,186 |
| Noninterest expense to average assets | 4.8954% | 331 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1560% | 6,186 |
| Return on assets (ROA) | -0.1560% | 6,185 |
| Pretax return on assets | -0.1560% | 6,168 |
| Return on Equity (ROE) | -1.7678% | 6,200 |
| Retained earnings to average equity (ytd only) | -1.7678% | 5,988 |
| Net charge-offs to loans | 0.0943% | 3,154 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -2.5641% | 4,847 |
| Efficiency ratio | 103.2916% | 304 |
| Assets per employee ($millions) | 2.1558% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6983% | 5,995 |
| Loan loss allowance to noncurrent loans | 48.6280% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 1.6171% | 1,669 |
| Noncurrent loans to loans | 1.4360% | 2,049 |
| Net loans and leases to total assets | 72.5583% | 1,819 |
| Net loans and leases to deposits | 80.0996% | 2,697 |
| Net loans and leases to core deposits | 85.4355% | 2,740 |
| Total domestic deposits to total assets | 90.5851% | 502 |
| Equity capital to assets | 9.2901% | 4,958 |
| Core capital (leverage) ratio | 9.6084% | 4,085 |
| Tier 1 risk-based capital ratio | 12.5369% | 5,017 |
| Total risk-based capital ratio | 13.2090% | 5,291 |
| Memoranda: | ||
| Average total assets | $64,101,000 | 5,441 |
| Average earning assets | $56,736,600 | 5,503 |
| Average equity | $5,656,600 | 5,702 |
| Average total loans | $41,365,200 | 5,131 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 538 |
| Cost of funding earning assets | 0.6033% | 1,798 |
| Net interest margin | 4.5805% | 642 |
| Noninterest income to average assets | 0.5395% | 3,263 |
| Noninterest expense to average assets | 4.7939% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2047% | 6,267 |
| Return on assets (ROA) | -0.2047% | 6,273 |
| Pretax return on assets | -0.2047% | 6,254 |
| Return on Equity (ROE) | -2.3493% | 6,296 |
| Retained earnings to average equity (ytd only) | -2.3493% | 6,098 |
| Net charge-offs to loans | 0.0993% | 2,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -3.3000% | 4,595 |
| Efficiency ratio | 104.4595% | 287 |
| Assets per employee ($millions) | 2.3622% | 6,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 5,998 |
| Loan loss allowance to noncurrent loans | 45.1791% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 1.6980% | 1,773 |
| Noncurrent loans to loans | 1.6580% | 1,967 |
| Net loans and leases to total assets | 68.1405% | 2,515 |
| Net loans and leases to deposits | 75.0319% | 3,309 |
| Net loans and leases to core deposits | 80.0501% | 3,304 |
| Total domestic deposits to total assets | 90.8153% | 414 |
| Equity capital to assets | 8.8978% | 5,462 |
| Core capital (leverage) ratio | 9.3079% | 4,629 |
| Tier 1 risk-based capital ratio | 13.0651% | 4,826 |
| Total risk-based capital ratio | 13.7852% | 5,083 |
| Memoranda: | ||
| Average total assets | $64,496,750 | 5,497 |
| Average earning assets | $57,022,250 | 5,543 |
| Average equity | $5,618,750 | 5,765 |
| Average total loans | $40,286,250 | 5,227 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0857% | 635 |
| Cost of funding earning assets | 0.6051% | 1,861 |
| Net interest margin | 4.4806% | 732 |
| Noninterest income to average assets | 0.5067% | 3,434 |
| Noninterest expense to average assets | 4.7084% | 387 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.2441% | 6,343 |
| Return on assets (ROA) | -0.2441% | 6,356 |
| Pretax return on assets | -0.2441% | 6,334 |
| Return on Equity (ROE) | -2.8214% | 6,370 |
| Retained earnings to average equity (ytd only) | -2.8214% | 6,080 |
| Net charge-offs to loans | 0.1687% | 2,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -2.3939% | 4,253 |
| Efficiency ratio | 105.4671% | 303 |
| Assets per employee ($millions) | 2.4553% | 6,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 5,918 |
| Loan loss allowance to noncurrent loans | 53.8079% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.5069% | 2,163 |
| Noncurrent loans to loans | 1.5332% | 2,267 |
| Net loans and leases to total assets | 61.2008% | 3,540 |
| Net loans and leases to deposits | 67.3203% | 4,135 |
| Net loans and leases to core deposits | 72.4753% | 4,002 |
| Total domestic deposits to total assets | 90.9099% | 442 |
| Equity capital to assets | 8.8896% | 5,421 |
| Core capital (leverage) ratio | 9.1142% | 4,859 |
| Tier 1 risk-based capital ratio | 14.4629% | 3,951 |
| Total risk-based capital ratio | 15.2501% | 4,199 |
| Memoranda: | ||
| Average total assets | $64,735,670 | 5,537 |
| Average earning assets | $57,179,670 | 5,578 |
| Average equity | $5,600,000 | 5,804 |
| Average total loans | $39,119,000 | 5,313 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0036% | 711 |
| Cost of funding earning assets | 0.6115% | 1,885 |
| Net interest margin | 4.3920% | 818 |
| Noninterest income to average assets | 0.4418% | 3,848 |
| Noninterest expense to average assets | 4.6208% | 403 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3007% | 6,396 |
| Return on assets (ROA) | -0.3007% | 6,398 |
| Pretax return on assets | -0.3007% | 6,392 |
| Return on Equity (ROE) | -3.5236% | 6,422 |
| Retained earnings to average equity (ytd only) | -3.5236% | 6,014 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9602% | 316 |
| Assets per employee ($millions) | 2.6387% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 5,833 |
| Loan loss allowance to noncurrent loans | 70.0587% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.6631% | 2,125 |
| Noncurrent loans to loans | 1.3030% | 2,848 |
| Net loans and leases to total assets | 56.6408% | 4,060 |
| Net loans and leases to deposits | 61.7879% | 4,570 |
| Net loans and leases to core deposits | 65.8795% | 4,495 |
| Total domestic deposits to total assets | 91.6698% | 335 |
| Equity capital to assets | 8.1800% | 5,921 |
| Core capital (leverage) ratio | 8.7467% | 5,327 |
| Tier 1 risk-based capital ratio | 14.3390% | 4,105 |
| Total risk-based capital ratio | 15.1944% | 4,310 |
| Memoranda: | ||
| Average total assets | $65,184,000 | 5,587 |
| Average earning assets | $57,559,000 | 5,622 |
| Average equity | $5,562,500 | 5,847 |
| Average total loans | $38,981,000 | 5,358 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6473% | 285 |
| Cost of funding earning assets | 0.7463% | 1,519 |
| Net interest margin | 4.9009% | 360 |
| Noninterest income to average assets | 0.3352% | 4,930 |
| Noninterest expense to average assets | 4.4308% | 558 |
| Loan and lease loss provision to assets | 0.1579% | 2,309 |
| Net operating income to assets | 0.3896% | 5,180 |
| Return on assets (ROA) | 0.3896% | 5,290 |
| Pretax return on assets | 0.0562% | 6,148 |
| Return on Equity (ROE) | 3.9728% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.9728% | 3,367 |
| Net charge-offs to loans | 0.4465% | 1,484 |
| Credit loss provision to net charge-offs | 53.5714% | 3,736 |
| Earnings coverage of net charge-offs (x) | 0.7262% | 4,850 |
| Efficiency ratio | 95.3910% | 675 |
| Assets per employee ($millions) | 2.3755% | 6,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 5,846 |
| Loan loss allowance to noncurrent loans | 54.9923% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 2.0789% | 1,721 |
| Noncurrent loans to loans | 1.6802% | 2,388 |
| Net loans and leases to total assets | 62.1531% | 3,334 |
| Net loans and leases to deposits | 68.3018% | 4,005 |
| Net loans and leases to core deposits | 72.8296% | 3,973 |
| Total domestic deposits to total assets | 90.9977% | 570 |
| Equity capital to assets | 8.9262% | 5,122 |
| Core capital (leverage) ratio | 9.5307% | 4,216 |
| Tier 1 risk-based capital ratio | 14.4488% | 3,985 |
| Total risk-based capital ratio | 15.3038% | 4,202 |
| Memoranda: | ||
| Average total assets | $56,987,200 | 5,839 |
| Average earning assets | $50,112,800 | 5,887 |
| Average equity | $5,588,000 | 5,906 |
| Average total loans | $37,628,000 | 5,437 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7449% | 257 |
| Cost of funding earning assets | 0.7453% | 1,637 |
| Net interest margin | 4.9996% | 317 |
| Noninterest income to average assets | 0.2820% | 5,431 |
| Noninterest expense to average assets | 4.3158% | 622 |
| Loan and lease loss provision to assets | 0.2031% | 1,785 |
| Net operating income to assets | 0.6954% | 3,884 |
| Return on assets (ROA) | 0.6954% | 4,021 |
| Pretax return on assets | 0.1553% | 6,123 |
| Return on Equity (ROE) | 6.9201% | 3,699 |
| Retained earnings to average equity (ytd only) | 6.9201% | 1,919 |
| Net charge-offs to loans | 0.6069% | 1,028 |
| Credit loss provision to net charge-offs | 50.0000% | 3,494 |
| Earnings coverage of net charge-offs (x) | 0.8824% | 4,554 |
| Efficiency ratio | 92.3313% | 832 |
| Assets per employee ($millions) | 2.6664% | 6,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 6,042 |
| Loan loss allowance to noncurrent loans | 83.3729% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 2.5307% | 1,514 |
| Noncurrent loans to loans | 1.0874% | 3,618 |
| Net loans and leases to total assets | 62.5554% | 3,247 |
| Net loans and leases to deposits | 69.1081% | 3,921 |
| Net loans and leases to core deposits | 72.3494% | 4,051 |
| Total domestic deposits to total assets | 90.5182% | 733 |
| Equity capital to assets | 9.1769% | 4,966 |
| Core capital (leverage) ratio | 10.5966% | 2,895 |
| Tier 1 risk-based capital ratio | 14.6975% | 3,953 |
| Total risk-based capital ratio | 15.5365% | 4,169 |
| Memoranda: | ||
| Average total assets | $55,793,500 | 5,944 |
| Average earning assets | $49,016,250 | 5,986 |
| Average equity | $5,606,750 | 5,972 |
| Average total loans | $37,348,750 | 5,504 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8088% | 238 |
| Cost of funding earning assets | 0.7562% | 1,665 |
| Net interest margin | 5.0526% | 284 |
| Noninterest income to average assets | 0.4152% | 4,412 |
| Noninterest expense to average assets | 4.2707% | 645 |
| Loan and lease loss provision to assets | 0.0741% | 3,557 |
| Net operating income to assets | 0.5969% | 4,301 |
| Return on assets (ROA) | 0.5969% | 4,484 |
| Pretax return on assets | 0.5042% | 5,359 |
| Return on Equity (ROE) | 5.7503% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.7503% | 2,584 |
| Net charge-offs to loans | 0.9541% | 645 |
| Credit loss provision to net charge-offs | 11.3636% | 3,879 |
| Earnings coverage of net charge-offs (x) | 0.8864% | 4,232 |
| Efficiency ratio | 88.0734% | 1,214 |
| Assets per employee ($millions) | 2.4584% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 6,441 |
| Loan loss allowance to noncurrent loans | 66.9856% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 2.9177% | 1,402 |
| Noncurrent loans to loans | 1.1100% | 3,712 |
| Net loans and leases to total assets | 69.1073% | 2,049 |
| Net loans and leases to deposits | 77.3526% | 2,662 |
| Net loans and leases to core deposits | 81.5482% | 2,849 |
| Total domestic deposits to total assets | 89.3407% | 1,417 |
| Equity capital to assets | 10.4079% | 3,417 |
| Core capital (leverage) ratio | 11.1916% | 2,180 |
| Tier 1 risk-based capital ratio | 14.8430% | 3,878 |
| Total risk-based capital ratio | 15.5360% | 4,188 |
| Memoranda: | ||
| Average total assets | $53,948,670 | 6,023 |
| Average earning assets | $47,341,670 | 6,063 |
| Average equity | $5,599,670 | 6,019 |
| Average total loans | $36,893,330 | 5,546 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6477% | 293 |
| Cost of funding earning assets | 0.7767% | 1,663 |
| Net interest margin | 4.8710% | 354 |
| Noninterest income to average assets | 0.4751% | 3,959 |
| Noninterest expense to average assets | 4.2984% | 629 |
| Loan and lease loss provision to assets | 0.0371% | 3,974 |
| Net operating income to assets | 0.4232% | 5,039 |
| Return on assets (ROA) | 0.4232% | 5,190 |
| Pretax return on assets | 0.4232% | 5,490 |
| Return on Equity (ROE) | 4.0824% | 5,053 |
| Retained earnings to average equity (ytd only) | 4.0824% | 3,772 |
| Net charge-offs to loans | 0.1972% | 2,230 |
| Credit loss provision to net charge-offs | 27.7778% | 2,918 |
| Earnings coverage of net charge-offs (x) | 3.4444% | 2,766 |
| Efficiency ratio | 90.3276% | 1,118 |
| Assets per employee ($millions) | 2.5456% | 6,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 5,345 |
| Loan loss allowance to noncurrent loans | 39.8305% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 3.6104% | 1,158 |
| Noncurrent loans to loans | 2.9266% | 1,716 |
| Net loans and leases to total assets | 67.0913% | 2,174 |
| Net loans and leases to deposits | 75.2976% | 2,735 |
| Net loans and leases to core deposits | 78.2242% | 3,031 |
| Total domestic deposits to total assets | 89.1015% | 1,625 |
| Equity capital to assets | 10.3915% | 3,681 |
| Core capital (leverage) ratio | 10.6682% | 2,574 |
| Tier 1 risk-based capital ratio | 14.9867% | 3,845 |
| Total risk-based capital ratio | 16.1020% | 3,899 |
| Memoranda: | ||
| Average total assets | $53,881,000 | 6,085 |
| Average earning assets | $47,382,000 | 6,115 |
| Average equity | $5,585,000 | 6,077 |
| Average total loans | $36,512,000 | 5,592 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7009% | 431 |
| Cost of funding earning assets | 0.9199% | 1,816 |
| Net interest margin | 4.7810% | 561 |
| Noninterest income to average assets | 0.3937% | 4,655 |
| Noninterest expense to average assets | 4.3237% | 664 |
| Loan and lease loss provision to assets | 0.0462% | 5,261 |
| Net operating income to assets | 0.2126% | 5,753 |
| Return on assets (ROA) | 0.6673% | 4,169 |
| Pretax return on assets | 0.6673% | 4,767 |
| Return on Equity (ROE) | 6.6282% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.6282% | 1,752 |
| Net charge-offs to loans | 0.0256% | 5,537 |
| Credit loss provision to net charge-offs | 277.7778% | 864 |
| Earnings coverage of net charge-offs (x) | 15.5556% | 1,642 |
| Efficiency ratio | 94.3526% | 782 |
| Assets per employee ($millions) | 2.7153% | 6,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 5,177 |
| Loan loss allowance to noncurrent loans | 91.0230% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 2.5265% | 1,930 |
| Noncurrent loans to loans | 1.3039% | 3,658 |
| Net loans and leases to total assets | 66.8447% | 2,394 |
| Net loans and leases to deposits | 75.0434% | 2,958 |
| Net loans and leases to core deposits | 77.8920% | 3,277 |
| Total domestic deposits to total assets | 89.0747% | 1,508 |
| Equity capital to assets | 10.3397% | 3,708 |
| Core capital (leverage) ratio | 10.2363% | 3,087 |
| Tier 1 risk-based capital ratio | 14.6407% | 3,939 |
| Total risk-based capital ratio | 15.7754% | 3,971 |
| Memoranda: | ||
| Average total assets | $54,097,400 | 6,085 |
| Average earning assets | $47,395,800 | 6,135 |
| Average equity | $5,446,400 | 6,166 |
| Average total loans | $35,188,400 | 5,714 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6928% | 466 |
| Cost of funding earning assets | 0.9493% | 1,854 |
| Net interest margin | 4.7435% | 613 |
| Noninterest income to average assets | 0.3405% | 5,084 |
| Noninterest expense to average assets | 4.3641% | 620 |
| Loan and lease loss provision to assets | 0.0493% | 5,148 |
| Net operating income to assets | 0.0814% | 6,155 |
| Return on assets (ROA) | 0.5921% | 4,692 |
| Pretax return on assets | 0.5921% | 5,191 |
| Return on Equity (ROE) | 5.9211% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.9211% | 2,749 |
| Net charge-offs to loans | 0.0307% | 5,223 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 6.6223% | 2,754 |
| Efficiency ratio | 97.0911% | 632 |
| Assets per employee ($millions) | 2.9452% | 6,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 5,119 |
| Loan loss allowance to noncurrent loans | 67.0807% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 3.0380% | 1,716 |
| Noncurrent loans to loans | 1.8411% | 3,022 |
| Net loans and leases to total assets | 61.7374% | 3,436 |
| Net loans and leases to deposits | 69.1936% | 4,002 |
| Net loans and leases to core deposits | 72.4894% | 4,194 |
| Total domestic deposits to total assets | 89.2241% | 1,299 |
| Equity capital to assets | 9.9217% | 4,616 |
| Core capital (leverage) ratio | 10.0647% | 3,451 |
| Tier 1 risk-based capital ratio | 14.7472% | 4,018 |
| Total risk-based capital ratio | 15.9042% | 4,049 |
| Memoranda: | ||
| Average total assets | $54,045,500 | 6,153 |
| Average earning assets | $47,333,500 | 6,214 |
| Average equity | $5,404,250 | 6,242 |
| Average total loans | $34,801,500 | 5,800 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7338% | 455 |
| Cost of funding earning assets | 1.0013% | 1,751 |
| Net interest margin | 4.7325% | 629 |
| Noninterest income to average assets | 0.4494% | 4,294 |
| Noninterest expense to average assets | 4.4750% | 565 |
| Loan and lease loss provision to assets | 0.0749% | 4,687 |
| Net operating income to assets | 0.0412% | 6,268 |
| Return on assets (ROA) | 0.4643% | 5,222 |
| Pretax return on assets | 0.4643% | 5,530 |
| Return on Equity (ROE) | 4.6312% | 4,979 |
| Retained earnings to average equity (ytd only) | 4.6312% | 3,527 |
| Net charge-offs to loans | 0.0230% | 5,078 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 2,426 |
| Efficiency ratio | 97.4715% | 642 |
| Assets per employee ($millions) | 2.5977% | 6,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 5,213 |
| Loan loss allowance to noncurrent loans | 63.4643% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 3.3748% | 1,593 |
| Noncurrent loans to loans | 1.9362% | 3,016 |
| Net loans and leases to total assets | 64.2433% | 2,979 |
| Net loans and leases to deposits | 72.2717% | 3,574 |
| Net loans and leases to core deposits | 75.8063% | 3,785 |
| Total domestic deposits to total assets | 88.8913% | 1,578 |
| Equity capital to assets | 10.0070% | 4,327 |
| Core capital (leverage) ratio | 9.8935% | 3,584 |
| Tier 1 risk-based capital ratio | 14.1973% | 4,308 |
| Total risk-based capital ratio | 15.3457% | 4,337 |
| Memoranda: | ||
| Average total assets | $53,408,000 | 6,214 |
| Average earning assets | $46,740,330 | 6,270 |
| Average equity | $5,355,000 | 6,287 |
| Average total loans | $34,742,330 | 5,842 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9830% | 312 |
| Cost of funding earning assets | 1.0375% | 1,759 |
| Net interest margin | 4.9455% | 437 |
| Noninterest income to average assets | 0.4164% | 4,547 |
| Noninterest expense to average assets | 4.5272% | 543 |
| Loan and lease loss provision to assets | 0.1136% | 3,933 |
| Net operating income to assets | 0.1060% | 6,227 |
| Return on assets (ROA) | 0.5451% | 4,835 |
| Pretax return on assets | 0.5451% | 5,306 |
| Return on Equity (ROE) | 5.4309% | 4,577 |
| Retained earnings to average equity (ytd only) | 5.4309% | 3,299 |
| Net charge-offs to loans | 0.0349% | 4,203 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,821 |
| Efficiency ratio | 95.3748% | 750 |
| Assets per employee ($millions) | 2.5787% | 6,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 5,325 |
| Loan loss allowance to noncurrent loans | 47.5771% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 3.4145% | 1,683 |
| Noncurrent loans to loans | 2.6034% | 2,498 |
| Net loans and leases to total assets | 63.6080% | 2,921 |
| Net loans and leases to deposits | 71.6992% | 3,475 |
| Net loans and leases to core deposits | 75.2337% | 3,718 |
| Total domestic deposits to total assets | 88.7151% | 1,877 |
| Equity capital to assets | 9.8445% | 4,316 |
| Core capital (leverage) ratio | 10.2898% | 3,006 |
| Tier 1 risk-based capital ratio | 14.5708% | 4,046 |
| Total risk-based capital ratio | 15.7502% | 4,068 |
| Memoranda: | ||
| Average total assets | $52,836,000 | 6,273 |
| Average earning assets | $46,264,500 | 6,319 |
| Average equity | $5,303,000 | 6,331 |
| Average total loans | $34,372,500 | 5,904 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8805% | 543 |
| Cost of funding earning assets | 1.4600% | 836 |
| Net interest margin | 4.4205% | 1,343 |
| Noninterest income to average assets | 0.5146% | 3,752 |
| Noninterest expense to average assets | 4.4070% | 643 |
| Loan and lease loss provision to assets | 0.1037% | 5,289 |
| Net operating income to assets | -0.2809% | 6,327 |
| Return on assets (ROA) | 0.0396% | 6,089 |
| Pretax return on assets | 0.0396% | 6,060 |
| Return on Equity (ROE) | 0.4104% | 6,083 |
| Retained earnings to average equity (ytd only) | 0.4104% | 5,642 |
| Net charge-offs to loans | 0.2499% | 4,215 |
| Credit loss provision to net charge-offs | 67.0732% | 4,960 |
| Earnings coverage of net charge-offs (x) | -1.1463% | 6,215 |
| Efficiency ratio | 104.1889% | 564 |
| Assets per employee ($millions) | 2.4533% | 6,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 5,229 |
| Loan loss allowance to noncurrent loans | 67.5241% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 2.9115% | 2,074 |
| Noncurrent loans to loans | 1.8365% | 3,426 |
| Net loans and leases to total assets | 64.9224% | 3,003 |
| Net loans and leases to deposits | 73.4927% | 3,580 |
| Net loans and leases to core deposits | 77.3203% | 3,774 |
| Total domestic deposits to total assets | 88.3385% | 1,946 |
| Equity capital to assets | 10.2387% | 3,866 |
| Core capital (leverage) ratio | 9.9674% | 3,380 |
| Tier 1 risk-based capital ratio | 14.7433% | 3,799 |
| Total risk-based capital ratio | 15.9191% | 3,836 |
| Memoranda: | ||
| Average total assets | $53,051,600 | 6,261 |
| Average earning assets | $44,587,800 | 6,374 |
| Average equity | $5,117,000 | 6,405 |
| Average total loans | $32,811,800 | 6,021 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8284% | 660 |
| Cost of funding earning assets | 1.5283% | 776 |
| Net interest margin | 4.3002% | 1,714 |
| Noninterest income to average assets | 0.5040% | 3,841 |
| Noninterest expense to average assets | 4.3841% | 645 |
| Loan and lease loss provision to assets | 0.1372% | 4,723 |
| Net operating income to assets | -0.4367% | 6,606 |
| Return on assets (ROA) | -0.0823% | 6,352 |
| Pretax return on assets | -0.0823% | 6,319 |
| Return on Equity (ROE) | -0.8666% | 6,360 |
| Retained earnings to average equity (ytd only) | -0.8666% | 6,131 |
| Net charge-offs to loans | 0.3236% | 3,479 |
| Credit loss provision to net charge-offs | 69.6203% | 4,495 |
| Earnings coverage of net charge-offs (x) | -1.5190% | 5,985 |
| Efficiency ratio | 107.3305% | 481 |
| Assets per employee ($millions) | 2.6064% | 6,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 5,086 |
| Loan loss allowance to noncurrent loans | 71.0924% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 3.1917% | 2,005 |
| Noncurrent loans to loans | 1.8051% | 3,635 |
| Net loans and leases to total assets | 59.4483% | 4,244 |
| Net loans and leases to deposits | 66.9609% | 4,763 |
| Net loans and leases to core deposits | 71.2387% | 4,813 |
| Total domestic deposits to total assets | 88.7805% | 1,559 |
| Equity capital to assets | 9.6026% | 4,932 |
| Core capital (leverage) ratio | 9.5620% | 4,053 |
| Tier 1 risk-based capital ratio | 15.0203% | 3,648 |
| Total risk-based capital ratio | 16.2396% | 3,638 |
| Memoranda: | ||
| Average total assets | $53,434,500 | 6,300 |
| Average earning assets | $44,493,500 | 6,439 |
| Average equity | $5,077,500 | 6,474 |
| Average total loans | $32,547,750 | 6,098 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8839% | 601 |
| Cost of funding earning assets | 1.5852% | 743 |
| Net interest margin | 4.2987% | 1,661 |
| Noninterest income to average assets | 0.4302% | 4,423 |
| Noninterest expense to average assets | 4.4377% | 639 |
| Loan and lease loss provision to assets | 0.1509% | 4,422 |
| Net operating income to assets | -0.6075% | 6,765 |
| Return on assets (ROA) | -0.6075% | 6,775 |
| Pretax return on assets | -0.6075% | 6,710 |
| Return on Equity (ROE) | -6.4169% | 6,801 |
| Retained earnings to average equity (ytd only) | -6.4169% | 6,680 |
| Net charge-offs to loans | 0.2654% | 3,563 |
| Credit loss provision to net charge-offs | 93.0233% | 3,376 |
| Earnings coverage of net charge-offs (x) | -2.8140% | 5,744 |
| Efficiency ratio | 111.4692% | 453 |
| Assets per employee ($millions) | 2.6116% | 6,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 4,941 |
| Loan loss allowance to noncurrent loans | 77.4869% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 3.3331% | 1,987 |
| Noncurrent loans to loans | 1.7122% | 3,870 |
| Net loans and leases to total assets | 60.2090% | 4,233 |
| Net loans and leases to deposits | 67.5539% | 4,776 |
| Net loans and leases to core deposits | 72.1770% | 4,792 |
| Total domestic deposits to total assets | 89.1273% | 1,461 |
| Equity capital to assets | 9.2663% | 5,184 |
| Core capital (leverage) ratio | 9.5289% | 3,910 |
| Tier 1 risk-based capital ratio | 14.3393% | 3,909 |
| Total risk-based capital ratio | 15.5890% | 3,884 |
| Memoranda: | ||
| Average total assets | $53,001,000 | 6,367 |
| Average earning assets | $43,780,330 | 6,518 |
| Average equity | $5,018,000 | 6,521 |
| Average total loans | $32,409,670 | 6,166 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8008% | 737 |
| Cost of funding earning assets | 1.5394% | 1,022 |
| Net interest margin | 4.2615% | 1,697 |
| Noninterest income to average assets | 0.4916% | 3,953 |
| Noninterest expense to average assets | 4.5469% | 570 |
| Loan and lease loss provision to assets | 0.1536% | 4,101 |
| Net operating income to assets | -0.7220% | 6,923 |
| Return on assets (ROA) | -0.7220% | 6,930 |
| Pretax return on assets | -0.7220% | 6,881 |
| Return on Equity (ROE) | -7.5411% | 6,939 |
| Retained earnings to average equity (ytd only) | -7.5411% | 6,715 |
| Net charge-offs to loans | 0.2258% | 3,185 |
| Credit loss provision to net charge-offs | 111.1111% | 2,408 |
| Earnings coverage of net charge-offs (x) | -4.1111% | 5,011 |
| Efficiency ratio | 114.2857% | 423 |
| Assets per employee ($millions) | 2.6753% | 6,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 4,604 |
| Loan loss allowance to noncurrent loans | 69.9377% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 3.9547% | 1,687 |
| Noncurrent loans to loans | 2.0174% | 3,552 |
| Net loans and leases to total assets | 58.6364% | 4,526 |
| Net loans and leases to deposits | 65.8274% | 4,997 |
| Net loans and leases to core deposits | 69.9657% | 5,048 |
| Total domestic deposits to total assets | 89.0760% | 1,728 |
| Equity capital to assets | 9.3541% | 4,644 |
| Core capital (leverage) ratio | 10.1322% | 2,995 |
| Tier 1 risk-based capital ratio | 14.9522% | 3,451 |
| Total risk-based capital ratio | 16.2036% | 3,411 |
| Memoranda: | ||
| Average total assets | $52,079,500 | 6,454 |
| Average earning assets | $42,614,500 | 6,604 |
| Average equity | $4,986,000 | 6,567 |
| Average total loans | $31,882,000 | 6,250 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5599% | 297 |
| Cost of funding earning assets | 1.8331% | 1,052 |
| Net interest margin | 4.7268% | 773 |
| Noninterest income to average assets | -0.0653% | 7,366 |
| Noninterest expense to average assets | 4.8300% | 485 |
| Loan and lease loss provision to assets | 0.6954% | 2,358 |
| Net operating income to assets | -1.6838% | 6,965 |
| Return on assets (ROA) | -1.4435% | 6,912 |
| Pretax return on assets | -1.4435% | 6,838 |
| Return on Equity (ROE) | -13.3134% | 6,858 |
| Retained earnings to average equity (ytd only) | -13.3134% | 6,810 |
| Net charge-offs to loans | 0.5269% | 3,520 |
| Credit loss provision to net charge-offs | 196.4286% | 1,614 |
| Earnings coverage of net charge-offs (x) | -2.7917% | 6,735 |
| Efficiency ratio | 125.7268% | 350 |
| Assets per employee ($millions) | 2.6659% | 6,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 4,507 |
| Loan loss allowance to noncurrent loans | 61.4856% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 4.4104% | 1,511 |
| Noncurrent loans to loans | 2.2761% | 3,243 |
| Net loans and leases to total assets | 62.1760% | 4,248 |
| Net loans and leases to deposits | 71.8746% | 4,543 |
| Net loans and leases to core deposits | 75.8234% | 4,748 |
| Total domestic deposits to total assets | 86.5062% | 3,076 |
| Equity capital to assets | 9.8059% | 3,990 |
| Core capital (leverage) ratio | 10.2243% | 2,836 |
| Tier 1 risk-based capital ratio | 15.1582% | 3,167 |
| Total risk-based capital ratio | 16.4101% | 3,110 |
| Memoranda: | ||
| Average total assets | $47,453,200 | 6,622 |
| Average earning assets | $39,223,200 | 6,749 |
| Average equity | $5,145,200 | 6,625 |
| Average total loans | $31,887,400 | 6,321 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6285% | 270 |
| Cost of funding earning assets | 1.8389% | 1,269 |
| Net interest margin | 4.7895% | 692 |
| Noninterest income to average assets | 0.3001% | 5,744 |
| Noninterest expense to average assets | 4.7012% | 490 |
| Loan and lease loss provision to assets | 0.8145% | 1,858 |
| Net operating income to assets | -1.2632% | 7,007 |
| Return on assets (ROA) | -0.9374% | 6,911 |
| Pretax return on assets | -0.9374% | 6,828 |
| Return on Equity (ROE) | -8.4266% | 6,856 |
| Retained earnings to average equity (ytd only) | -8.4266% | 6,797 |
| Net charge-offs to loans | 0.5522% | 3,099 |
| Credit loss provision to net charge-offs | 215.9091% | 1,608 |
| Earnings coverage of net charge-offs (x) | -1.1894% | 6,476 |
| Efficiency ratio | 110.5511% | 517 |
| Assets per employee ($millions) | 2.4749% | 7,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 4,565 |
| Loan loss allowance to noncurrent loans | 23.2979% | 6,743 |
| Noncurrent assets plus other real estate owned to assets | 6.8043% | 814 |
| Noncurrent loans to loans | 5.9284% | 1,065 |
| Net loans and leases to total assets | 63.1824% | 4,280 |
| Net loans and leases to deposits | 73.4097% | 4,613 |
| Net loans and leases to core deposits | 79.0446% | 4,656 |
| Total domestic deposits to total assets | 86.0681% | 3,038 |
| Equity capital to assets | 10.0550% | 4,086 |
| Core capital (leverage) ratio | 10.5278% | 2,658 |
| Tier 1 risk-based capital ratio | 14.9343% | 3,285 |
| Total risk-based capital ratio | 16.1846% | 3,267 |
| Memoranda: | ||
| Average total assets | $46,653,250 | 6,725 |
| Average earning assets | $38,499,500 | 6,856 |
| Average equity | $5,189,750 | 6,675 |
| Average total loans | $31,874,000 | 6,403 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9162% | 176 |
| Cost of funding earning assets | 1.8471% | 1,443 |
| Net interest margin | 5.0690% | 366 |
| Noninterest income to average assets | 0.4201% | 4,754 |
| Noninterest expense to average assets | 4.7916% | 437 |
| Loan and lease loss provision to assets | 0.3501% | 3,622 |
| Net operating income to assets | -0.5426% | 6,688 |
| Return on assets (ROA) | -0.5426% | 6,720 |
| Pretax return on assets | -0.5426% | 6,618 |
| Return on Equity (ROE) | -4.7142% | 6,671 |
| Retained earnings to average equity (ytd only) | -4.7142% | 6,519 |
| Net charge-offs to loans | 0.1441% | 4,789 |
| Credit loss provision to net charge-offs | 347.8261% | 1,049 |
| Earnings coverage of net charge-offs (x) | -1.9130% | 6,203 |
| Efficiency ratio | 104.1865% | 677 |
| Assets per employee ($millions) | 2.4056% | 7,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 5,949 |
| Loan loss allowance to noncurrent loans | 16.8307% | 7,076 |
| Noncurrent assets plus other real estate owned to assets | 7.5415% | 674 |
| Noncurrent loans to loans | 6.5212% | 915 |
| Net loans and leases to total assets | 67.4251% | 3,517 |
| Net loans and leases to deposits | 78.3714% | 3,903 |
| Net loans and leases to core deposits | 83.6309% | 4,182 |
| Total domestic deposits to total assets | 86.0328% | 3,061 |
| Equity capital to assets | 11.5168% | 2,432 |
| Core capital (leverage) ratio | 11.3819% | 1,983 |
| Tier 1 risk-based capital ratio | 15.9729% | 2,684 |
| Total risk-based capital ratio | 17.0314% | 2,731 |
| Memoranda: | ||
| Average total assets | $45,705,000 | 6,795 |
| Average earning assets | $37,679,670 | 6,939 |
| Average equity | $5,260,670 | 6,694 |
| Average total loans | $31,928,000 | 6,440 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1697% | 131 |
| Cost of funding earning assets | 1.8979% | 1,457 |
| Net interest margin | 5.2718% | 253 |
| Noninterest income to average assets | 0.2801% | 5,901 |
| Noninterest expense to average assets | 4.8048% | 430 |
| Loan and lease loss provision to assets | 0.5689% | 2,218 |
| Net operating income to assets | -0.7177% | 6,963 |
| Return on assets (ROA) | -0.7177% | 6,988 |
| Pretax return on assets | -0.7177% | 6,908 |
| Return on Equity (ROE) | -6.2369% | 6,950 |
| Retained earnings to average equity (ytd only) | -6.2369% | 6,680 |
| Net charge-offs to loans | 0.0743% | 4,670 |
| Credit loss provision to net charge-offs | 1,083.3333% | 435 |
| Earnings coverage of net charge-offs (x) | -2.8333% | 5,498 |
| Efficiency ratio | 103.1955% | 744 |
| Assets per employee ($millions) | 2.3780% | 7,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 6,145 |
| Loan loss allowance to noncurrent loans | 22.0230% | 6,916 |
| Noncurrent assets plus other real estate owned to assets | 6.5889% | 861 |
| Noncurrent loans to loans | 4.8633% | 1,504 |
| Net loans and leases to total assets | 70.3245% | 2,856 |
| Net loans and leases to deposits | 82.3374% | 3,229 |
| Net loans and leases to core deposits | 87.7056% | 3,658 |
| Total domestic deposits to total assets | 85.4101% | 3,458 |
| Equity capital to assets | 11.6020% | 2,293 |
| Core capital (leverage) ratio | 11.3444% | 2,003 |
| Tier 1 risk-based capital ratio | 15.7738% | 2,741 |
| Total risk-based capital ratio | 16.8167% | 2,784 |
| Memoranda: | ||
| Average total assets | $45,704,000 | 6,886 |
| Average earning assets | $37,937,500 | 7,023 |
| Average equity | $5,259,000 | 6,753 |
| Average total loans | $32,312,000 | 6,498 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3755% | 158 |
| Cost of funding earning assets | 2.3005% | 1,653 |
| Net interest margin | 5.0750% | 389 |
| Noninterest income to average assets | 0.7662% | 2,580 |
| Noninterest expense to average assets | 5.0002% | 521 |
| Loan and lease loss provision to assets | 0.3920% | 4,443 |
| Net operating income to assets | -0.3562% | 6,037 |
| Return on assets (ROA) | 0.0694% | 5,335 |
| Pretax return on assets | 0.0694% | 5,276 |
| Return on Equity (ROE) | 0.5964% | 5,359 |
| Retained earnings to average equity (ytd only) | 0.5964% | 4,571 |
| Net charge-offs to loans | 0.9237% | 2,541 |
| Credit loss provision to net charge-offs | 58.9226% | 6,653 |
| Earnings coverage of net charge-offs (x) | 0.0539% | 6,125 |
| Efficiency ratio | 99.2883% | 1,139 |
| Assets per employee ($millions) | 2.4329% | 7,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 6,899 |
| Loan loss allowance to noncurrent loans | 17.0251% | 7,186 |
| Noncurrent assets plus other real estate owned to assets | 6.7668% | 766 |
| Noncurrent loans to loans | 5.1498% | 1,292 |
| Net loans and leases to total assets | 69.7032% | 3,321 |
| Net loans and leases to deposits | 78.9266% | 4,183 |
| Net loans and leases to core deposits | 135.2914% | 989 |
| Total domestic deposits to total assets | 88.3139% | 1,817 |
| Equity capital to assets | 11.4135% | 2,382 |
| Core capital (leverage) ratio | 11.4597% | 1,939 |
| Tier 1 risk-based capital ratio | 15.5661% | 2,688 |
| Total risk-based capital ratio | 16.4055% | 2,824 |
| Memoranda: | ||
| Average total assets | $44,637,800 | 6,924 |
| Average earning assets | $37,557,000 | 7,030 |
| Average equity | $5,198,200 | 6,873 |
| Average total loans | $32,154,200 | 6,515 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4421% | 158 |
| Cost of funding earning assets | 2.3499% | 1,809 |
| Net interest margin | 5.0921% | 371 |
| Noninterest income to average assets | 0.7896% | 2,488 |
| Noninterest expense to average assets | 4.9214% | 516 |
| Loan and lease loss provision to assets | 0.0452% | 6,916 |
| Net operating income to assets | 0.1266% | 5,386 |
| Return on assets (ROA) | 0.4792% | 4,172 |
| Pretax return on assets | 0.4792% | 4,581 |
| Return on Equity (ROE) | 4.0935% | 4,338 |
| Retained earnings to average equity (ytd only) | 4.0935% | 2,989 |
| Net charge-offs to loans | 0.5489% | 3,037 |
| Credit loss provision to net charge-offs | 11.3636% | 6,612 |
| Earnings coverage of net charge-offs (x) | 0.4318% | 5,600 |
| Efficiency ratio | 96.6272% | 1,239 |
| Assets per employee ($millions) | 2.1215% | 7,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 6,815 |
| Loan loss allowance to noncurrent loans | 20.2373% | 7,078 |
| Noncurrent assets plus other real estate owned to assets | 5.6929% | 979 |
| Noncurrent loans to loans | 4.3809% | 1,614 |
| Net loans and leases to total assets | 69.4635% | 3,622 |
| Net loans and leases to deposits | 79.0809% | 4,546 |
| Net loans and leases to core deposits | 127.6227% | 1,610 |
| Total domestic deposits to total assets | 87.8385% | 1,730 |
| Equity capital to assets | 11.7779% | 2,376 |
| Core capital (leverage) ratio | 12.0744% | 1,772 |
| Tier 1 risk-based capital ratio | 16.3204% | 2,507 |
| Total risk-based capital ratio | 17.1949% | 2,584 |
| Memoranda: | ||
| Average total assets | $44,240,750 | 6,991 |
| Average earning assets | $37,390,000 | 7,098 |
| Average equity | $5,178,750 | 6,942 |
| Average total loans | $32,066,250 | 6,567 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5648% | 140 |
| Cost of funding earning assets | 2.3780% | 2,050 |
| Net interest margin | 5.1868% | 302 |
| Noninterest income to average assets | 0.8796% | 2,061 |
| Noninterest expense to average assets | 4.7985% | 595 |
| Loan and lease loss provision to assets | 0.0461% | 6,768 |
| Net operating income to assets | 0.4145% | 4,449 |
| Return on assets (ROA) | 0.9533% | 2,360 |
| Pretax return on assets | 0.9533% | 3,168 |
| Return on Equity (ROE) | 8.1614% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.1614% | 1,164 |
| Net charge-offs to loans | 0.5588% | 2,654 |
| Credit loss provision to net charge-offs | 11.2360% | 6,180 |
| Earnings coverage of net charge-offs (x) | 1.1236% | 4,682 |
| Efficiency ratio | 91.2434% | 1,705 |
| Assets per employee ($millions) | 1.8913% | 7,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 6,214 |
| Loan loss allowance to noncurrent loans | 24.4959% | 6,873 |
| Noncurrent assets plus other real estate owned to assets | 4.5978% | 1,206 |
| Noncurrent loans to loans | 4.0953% | 1,633 |
| Net loans and leases to total assets | 71.3093% | 3,402 |
| Net loans and leases to deposits | 80.9706% | 4,395 |
| Net loans and leases to core deposits | 127.8610% | 1,720 |
| Total domestic deposits to total assets | 88.0681% | 1,730 |
| Equity capital to assets | 11.6168% | 2,457 |
| Core capital (leverage) ratio | 11.7827% | 1,932 |
| Tier 1 risk-based capital ratio | 16.1249% | 2,580 |
| Total risk-based capital ratio | 17.1260% | 2,611 |
| Memoranda: | ||
| Average total assets | $43,430,330 | 7,079 |
| Average earning assets | $36,669,670 | 7,187 |
| Average equity | $5,072,670 | 7,035 |
| Average total loans | $31,851,670 | 6,621 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5517% | 158 |
| Cost of funding earning assets | 2.2960% | 2,716 |
| Net interest margin | 5.2557% | 252 |
| Noninterest income to average assets | 0.7067% | 2,845 |
| Noninterest expense to average assets | 4.6832% | 601 |
| Loan and lease loss provision to assets | 0.0942% | 5,753 |
| Net operating income to assets | 0.4806% | 4,515 |
| Return on assets (ROA) | 1.5830% | 888 |
| Pretax return on assets | 1.5830% | 1,449 |
| Return on Equity (ROE) | 13.5143% | 1,266 |
| Retained earnings to average equity (ytd only) | 13.5143% | 567 |
| Net charge-offs to loans | 1.0818% | 1,258 |
| Credit loss provision to net charge-offs | 11.7647% | 5,175 |
| Earnings coverage of net charge-offs (x) | 0.7176% | 4,440 |
| Efficiency ratio | 89.0681% | 1,806 |
| Assets per employee ($millions) | 1.9951% | 7,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 5,830 |
| Loan loss allowance to noncurrent loans | 26.5600% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 4.7434% | 985 |
| Noncurrent loans to loans | 3.9396% | 1,542 |
| Net loans and leases to total assets | 71.5308% | 3,345 |
| Net loans and leases to deposits | 81.1355% | 4,432 |
| Net loans and leases to core deposits | 125.4074% | 1,963 |
| Total domestic deposits to total assets | 88.1621% | 1,675 |
| Equity capital to assets | 11.5873% | 2,534 |
| Core capital (leverage) ratio | 11.8703% | 1,962 |
| Tier 1 risk-based capital ratio | 16.9048% | 2,365 |
| Total risk-based capital ratio | 18.0184% | 2,344 |
| Memoranda: | ||
| Average total assets | $42,450,000 | 7,148 |
| Average earning assets | $36,760,000 | 7,226 |
| Average equity | $4,972,500 | 7,118 |
| Average total loans | $31,429,500 | 6,678 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6979% | 278 |
| Cost of funding earning assets | 2.7117% | 3,103 |
| Net interest margin | 4.9861% | 529 |
| Noninterest income to average assets | 0.8370% | 2,310 |
| Noninterest expense to average assets | 4.7368% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7403% | 3,716 |
| Return on assets (ROA) | 0.8624% | 3,011 |
| Pretax return on assets | 0.8624% | 3,846 |
| Return on Equity (ROE) | 7.5653% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.5653% | 966 |
| Net charge-offs to loans | 0.2836% | 3,510 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.5488% | 4,317 |
| Efficiency ratio | 86.4840% | 1,803 |
| Assets per employee ($millions) | 2.0504% | 7,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 3,727 |
| Loan loss allowance to noncurrent loans | 21.8817% | 7,145 |
| Noncurrent assets plus other real estate owned to assets | 6.2965% | 452 |
| Noncurrent loans to loans | 5.9749% | 602 |
| Net loans and leases to total assets | 74.9214% | 2,896 |
| Net loans and leases to deposits | 86.5144% | 4,033 |
| Net loans and leases to core deposits | 132.9540% | 1,656 |
| Total domestic deposits to total assets | 86.5998% | 2,141 |
| Equity capital to assets | 11.8492% | 2,387 |
| Core capital (leverage) ratio | 11.7396% | 2,104 |
| Tier 1 risk-based capital ratio | 16.3663% | 2,530 |
| Total risk-based capital ratio | 17.6194% | 2,471 |
| Memoranda: | ||
| Average total assets | $39,309,000 | 7,246 |
| Average earning assets | $36,581,600 | 7,208 |
| Average equity | $4,481,000 | 7,338 |
| Average total loans | $28,918,800 | 6,773 |