Home > Green Dot Bank DBA Bonneville Bank > Performance and Condition Ratios
Green Dot Bank DBA Bonneville Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3976% | 390 |
| Cost of funding earning assets | 0.0692% | 4,495 |
| Net interest margin | 6.3284% | 89 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.0043% | 3,616 |
| Loan and lease loss provision to assets | 0.7900% | 91 |
| Net operating income to assets | 2.1630% | 362 |
| Return on assets (ROA) | 2.1352% | 367 |
| Pretax return on assets | 2.8725% | 230 |
| Return on Equity (ROE) | 91.8400% | 16 |
| Retained earnings to average equity (ytd only) | 36.1898% | 35 |
| Net charge-offs to loans | 58.6554% | 2 |
| Credit loss provision to net charge-offs | 100.2572% | 1,832 |
| Earnings coverage of net charge-offs (x) | 4.7073% | 2,572 |
| Efficiency ratio | 35.1621% | 4,451 |
| Assets per employee ($millions) | 46.7957% | 32 |
| Cash dividends to net income (ytd only)* | 60.5965% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.5057% | 15 |
| Loan loss allowance to noncurrent loans | 288.4048% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,060 |
| Noncurrent loans to loans | 3.6427% | 103 |
| Net loans and leases to total assets | 1.8200% | 4,469 |
| Net loans and leases to deposits | 2.0391% | 4,471 |
| Net loans and leases to core deposits | 2.0756% | 4,490 |
| Total domestic deposits to total assets | 89.3500% | 969 |
| Equity capital to assets | 3.7564% | 4,511 |
| Core capital (leverage) ratio | 10.2784% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6906% | 261 |
| Memoranda: | ||
| Average total assets | $3,864,373,200 | 329 |
| Average earning assets | $3,065,841,000 | 354 |
| Average equity | $89,840,200 | 1,033 |
| Average total loans | $51,698,600 | 3,821 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3119% | 366 |
| Cost of funding earning assets | 0.0660% | 4,520 |
| Net interest margin | 6.2459% | 85 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 1.7562% | 4,048 |
| Loan and lease loss provision to assets | 0.7700% | 96 |
| Net operating income to assets | 2.3992% | 292 |
| Return on assets (ROA) | 2.3634% | 296 |
| Pretax return on assets | 3.1385% | 209 |
| Return on Equity (ROE) | 120.6300% | 14 |
| Retained earnings to average equity (ytd only) | 32.1997% | 73 |
| Net charge-offs to loans | 57.7816% | 2 |
| Credit loss provision to net charge-offs | 115.5978% | 1,511 |
| Earnings coverage of net charge-offs (x) | 5.9079% | 2,324 |
| Efficiency ratio | 30.7185% | 4,512 |
| Assets per employee ($millions) | 44.6913% | 33 |
| Cash dividends to net income (ytd only)* | 73.3073% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 27.5495% | 5 |
| Loan loss allowance to noncurrent loans | 305.9871% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 2,935 |
| Noncurrent loans to loans | 9.0035% | 15 |
| Net loans and leases to total assets | 0.7800% | 4,496 |
| Net loans and leases to deposits | 0.8045% | 4,496 |
| Net loans and leases to core deposits | 0.8180% | 4,479 |
| Total domestic deposits to total assets | 96.5000% | 63 |
| Equity capital to assets | 1.3893% | 4,565 |
| Core capital (leverage) ratio | 10.4320% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7600% | 260 |
| Memoranda: | ||
| Average total assets | $3,847,757,750 | 334 |
| Average earning assets | $3,077,056,750 | 359 |
| Average equity | $75,386,000 | 1,173 |
| Average total loans | $44,617,500 | 3,931 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2998% | 311 |
| Cost of funding earning assets | 0.1059% | 4,515 |
| Net interest margin | 6.1938% | 92 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 1.7002% | 4,148 |
| Loan and lease loss provision to assets | 0.7600% | 96 |
| Net operating income to assets | 2.5495% | 234 |
| Return on assets (ROA) | 2.5324% | 232 |
| Pretax return on assets | 3.3827% | 157 |
| Return on Equity (ROE) | 117.8400% | 17 |
| Retained earnings to average equity (ytd only) | -3.0514% | 4,347 |
| Net charge-offs to loans | 65.8319% | 1 |
| Credit loss provision to net charge-offs | 97.0789% | 1,472 |
| Earnings coverage of net charge-offs (x) | 5.3201% | 2,175 |
| Efficiency ratio | 28.9816% | 4,548 |
| Assets per employee ($millions) | 44.0792% | 33 |
| Cash dividends to net income (ytd only)* | 102.5894% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 20.1605% | 9 |
| Loan loss allowance to noncurrent loans | 335.7021% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,137 |
| Noncurrent loans to loans | 6.0055% | 36 |
| Net loans and leases to total assets | 0.8300% | 4,526 |
| Net loans and leases to deposits | 0.8639% | 4,528 |
| Net loans and leases to core deposits | 0.8714% | 4,513 |
| Total domestic deposits to total assets | 96.5200% | 49 |
| Equity capital to assets | 2.1586% | 4,599 |
| Core capital (leverage) ratio | 9.9559% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4950% | 214 |
| Memoranda: | ||
| Average total assets | $3,849,193,333 | 324 |
| Average earning assets | $3,122,298,333 | 347 |
| Average equity | $82,715,667 | 1,098 |
| Average total loans | $45,762,000 | 3,925 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3052% | 220 |
| Cost of funding earning assets | 0.1579% | 4,444 |
| Net interest margin | 6.1473% | 88 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 1.7519% | 4,112 |
| Loan and lease loss provision to assets | 0.6600% | 106 |
| Net operating income to assets | 2.6118% | 217 |
| Return on assets (ROA) | 2.5764% | 222 |
| Pretax return on assets | 3.4854% | 146 |
| Return on Equity (ROE) | 120.1600% | 17 |
| Retained earnings to average equity (ytd only) | -118.9789% | 4,689 |
| Net charge-offs to loans | 62.0080% | 2 |
| Credit loss provision to net charge-offs | 85.3575% | 1,189 |
| Earnings coverage of net charge-offs (x) | 5.3700% | 1,820 |
| Efficiency ratio | 29.4729% | 4,609 |
| Assets per employee ($millions) | 43.1605% | 34 |
| Cash dividends to net income (ytd only)* | 199.0208% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.6466% | 3 |
| Loan loss allowance to noncurrent loans | 266.7283% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 3,094 |
| Noncurrent loans to loans | 7.3658% | 26 |
| Net loans and leases to total assets | 0.7700% | 4,601 |
| Net loans and leases to deposits | 0.7971% | 4,601 |
| Net loans and leases to core deposits | 0.7974% | 4,584 |
| Total domestic deposits to total assets | 96.3800% | 40 |
| Equity capital to assets | 2.3250% | 4,627 |
| Core capital (leverage) ratio | 8.8743% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5017% | 234 |
| Memoranda: | ||
| Average total assets | $3,900,423,000 | 327 |
| Average earning assets | $3,186,945,500 | 351 |
| Average equity | $83,635,000 | 1,099 |
| Average total loans | $49,077,500 | 3,919 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6444% | 568 |
| Cost of funding earning assets | 0.0060% | 4,641 |
| Net interest margin | 4.6384% | 232 |
| Noninterest income to average assets | 1.8600% | 275 |
| Noninterest expense to average assets | 0.5227% | 4,685 |
| Loan and lease loss provision to assets | 0.9100% | 47 |
| Net operating income to assets | 3.2845% | 97 |
| Return on assets (ROA) | 3.2555% | 95 |
| Pretax return on assets | 4.2985% | 83 |
| Return on Equity (ROE) | 84.7700% | 10 |
| Retained earnings to average equity (ytd only) | 38.6450% | 19 |
| Net charge-offs to loans | 81.6755% | 1 |
| Credit loss provision to net charge-offs | 102.9684% | 1,534 |
| Earnings coverage of net charge-offs (x) | 5.9720% | 2,351 |
| Efficiency ratio | 9.0519% | 4,704 |
| Assets per employee ($millions) | 48.8835% | 30 |
| Cash dividends to net income (ytd only)* | 54.4133% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.5583% | 4 |
| Loan loss allowance to noncurrent loans | 292.2456% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,070 |
| Noncurrent loans to loans | 4.6394% | 62 |
| Net loans and leases to total assets | 1.3400% | 4,629 |
| Net loans and leases to deposits | 1.3993% | 4,630 |
| Net loans and leases to core deposits | 1.3999% | 4,613 |
| Total domestic deposits to total assets | 95.8400% | 88 |
| Equity capital to assets | 1.9689% | 4,647 |
| Core capital (leverage) ratio | 9.5772% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8432% | 215 |
| Memoranda: | ||
| Average total assets | $3,951,631,200 | 317 |
| Average earning assets | $3,326,735,000 | 327 |
| Average equity | $151,753,000 | 674 |
| Average total loans | $42,484,000 | 4,018 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 864 |
| Cost of funding earning assets | 0.0035% | 4,682 |
| Net interest margin | 4.2115% | 411 |
| Noninterest income to average assets | 1.8000% | 298 |
| Noninterest expense to average assets | 0.5183% | 4,726 |
| Loan and lease loss provision to assets | 0.9000% | 49 |
| Net operating income to assets | 3.0118% | 106 |
| Return on assets (ROA) | 2.9687% | 102 |
| Pretax return on assets | 3.9059% | 88 |
| Return on Equity (ROE) | 68.8900% | 12 |
| Retained earnings to average equity (ytd only) | 14.0560% | 454 |
| Net charge-offs to loans | 92.0203% | 1 |
| Credit loss provision to net charge-offs | 101.1784% | 1,313 |
| Earnings coverage of net charge-offs (x) | 5.5214% | 2,143 |
| Efficiency ratio | 9.6315% | 4,743 |
| Assets per employee ($millions) | 47.6440% | 32 |
| Cash dividends to net income (ytd only)* | 79.5970% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 21.9079% | 2 |
| Loan loss allowance to noncurrent loans | 274.1889% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 3,175 |
| Noncurrent loans to loans | 7.9901% | 25 |
| Net loans and leases to total assets | 0.7000% | 4,674 |
| Net loans and leases to deposits | 0.7148% | 4,674 |
| Net loans and leases to core deposits | 0.7151% | 4,657 |
| Total domestic deposits to total assets | 98.2900% | 45 |
| Equity capital to assets | 0.6547% | 4,702 |
| Core capital (leverage) ratio | 8.7486% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0401% | 236 |
| Memoranda: | ||
| Average total assets | $3,949,648,750 | 317 |
| Average earning assets | $3,349,187,500 | 326 |
| Average equity | $170,201,000 | 615 |
| Average total loans | $37,747,250 | 4,131 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 1,154 |
| Cost of funding earning assets | 0.0031% | 4,750 |
| Net interest margin | 3.8745% | 646 |
| Noninterest income to average assets | 1.8116% | 263 |
| Noninterest expense to average assets | 0.5128% | 4,754 |
| Loan and lease loss provision to assets | 0.8596% | 54 |
| Net operating income to assets | 2.8596% | 77 |
| Return on assets (ROA) | 2.8761% | 72 |
| Pretax return on assets | 3.7611% | 60 |
| Return on Equity (ROE) | 52.3832% | 14 |
| Retained earnings to average equity (ytd only) | 2.0429% | 3,737 |
| Net charge-offs to loans | 84.6608% | 1 |
| Credit loss provision to net charge-offs | 103.0050% | 1,260 |
| Earnings coverage of net charge-offs (x) | 5.5792% | 1,926 |
| Efficiency ratio | 10.0170% | 4,766 |
| Assets per employee ($millions) | 61.5192% | 26 |
| Cash dividends to net income (ytd only)* | 96.1001% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 23.6557% | 2 |
| Loan loss allowance to noncurrent loans | 353.6541% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 3,413 |
| Noncurrent loans to loans | 6.6889% | 26 |
| Net loans and leases to total assets | 0.6488% | 4,735 |
| Net loans and leases to deposits | 0.6806% | 4,736 |
| Net loans and leases to core deposits | 0.6809% | 4,726 |
| Total domestic deposits to total assets | 95.3263% | 118 |
| Equity capital to assets | 3.1108% | 4,684 |
| Core capital (leverage) ratio | 8.1217% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3166% | 175 |
| Memoranda: | ||
| Average total assets | $3,979,811,667 | 314 |
| Average earning assets | $3,390,740,000 | 324 |
| Average equity | $218,513,000 | 492 |
| Average total loans | $38,757,000 | 4,159 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4943% | 1,832 |
| Cost of funding earning assets | 0.0025% | 4,768 |
| Net interest margin | 3.4917% | 1,105 |
| Noninterest income to average assets | 1.8587% | 268 |
| Noninterest expense to average assets | 0.5093% | 4,777 |
| Loan and lease loss provision to assets | 0.7693% | 56 |
| Net operating income to assets | 2.7593% | 92 |
| Return on assets (ROA) | 2.7905% | 87 |
| Pretax return on assets | 3.6437% | 71 |
| Return on Equity (ROE) | 42.0610% | 25 |
| Retained earnings to average equity (ytd only) | 42.0610% | 15 |
| Net charge-offs to loans | 80.2726% | 1 |
| Credit loss provision to net charge-offs | 90.5047% | 1,079 |
| Earnings coverage of net charge-offs (x) | 5.2718% | 1,608 |
| Efficiency ratio | 10.4171% | 4,792 |
| Assets per employee ($millions) | 64.2612% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 20.0796% | 2 |
| Loan loss allowance to noncurrent loans | 237.6690% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 3,405 |
| Noncurrent loans to loans | 8.4486% | 23 |
| Net loans and leases to total assets | 0.6199% | 4,763 |
| Net loans and leases to deposits | 0.6595% | 4,764 |
| Net loans and leases to core deposits | 0.6598% | 4,754 |
| Total domestic deposits to total assets | 93.9923% | 115 |
| Equity capital to assets | 5.3965% | 4,678 |
| Core capital (leverage) ratio | 8.4242% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.3489% | 120 |
| Memoranda: | ||
| Average total assets | $4,031,863,000 | 317 |
| Average earning assets | $3,491,907,500 | 323 |
| Average equity | $267,487,500 | 428 |
| Average total loans | $41,668,000 | 4,128 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7810% | 4,797 |
| Cost of funding earning assets | 0.0029% | 4,816 |
| Net interest margin | 0.7781% | 4,792 |
| Noninterest income to average assets | 3.0448% | 178 |
| Noninterest expense to average assets | 0.3867% | 4,818 |
| Loan and lease loss provision to assets | 0.8031% | 53 |
| Net operating income to assets | 1.9033% | 406 |
| Return on assets (ROA) | 1.9861% | 367 |
| Pretax return on assets | 2.6228% | 220 |
| Return on Equity (ROE) | 25.3303% | 118 |
| Retained earnings to average equity (ytd only) | 25.3303% | 24 |
| Net charge-offs to loans | 61.9397% | 2 |
| Credit loss provision to net charge-offs | 127.5625% | 1,601 |
| Earnings coverage of net charge-offs (x) | 5.3081% | 2,451 |
| Efficiency ratio | 10.4079% | 4,832 |
| Assets per employee ($millions) | 59.7961% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.3286% | 4 |
| Loan loss allowance to noncurrent loans | 432.4052% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 3,695 |
| Noncurrent loans to loans | 3.3137% | 156 |
| Net loans and leases to total assets | 1.1228% | 4,805 |
| Net loans and leases to deposits | 1.2436% | 4,807 |
| Net loans and leases to core deposits | 1.2444% | 4,797 |
| Total domestic deposits to total assets | 90.2843% | 823 |
| Equity capital to assets | 7.9646% | 4,383 |
| Core capital (leverage) ratio | 9.1088% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.5934% | 107 |
| Memoranda: | ||
| Average total assets | $3,675,294,600 | 321 |
| Average earning assets | $3,131,150,000 | 338 |
| Average equity | $288,168,800 | 407 |
| Average total loans | $37,124,800 | 4,248 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7070% | 4,887 |
| Cost of funding earning assets | 0.0029% | 4,888 |
| Net interest margin | 0.7041% | 4,882 |
| Noninterest income to average assets | 3.0251% | 190 |
| Noninterest expense to average assets | 0.4108% | 4,903 |
| Loan and lease loss provision to assets | 0.6915% | 68 |
| Net operating income to assets | 1.9376% | 518 |
| Return on assets (ROA) | 2.0420% | 457 |
| Pretax return on assets | 2.6469% | 267 |
| Return on Equity (ROE) | 26.1540% | 149 |
| Retained earnings to average equity (ytd only) | 26.1540% | 42 |
| Net charge-offs to loans | 47.6046% | 2 |
| Credit loss provision to net charge-offs | 155.5731% | 1,338 |
| Earnings coverage of net charge-offs (x) | 7.2460% | 2,148 |
| Efficiency ratio | 11.3367% | 4,907 |
| Assets per employee ($millions) | 149.1663% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 20.4429% | 3 |
| Loan loss allowance to noncurrent loans | 545.1498% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,893 |
| Noncurrent loans to loans | 3.7500% | 149 |
| Net loans and leases to total assets | 0.8308% | 4,877 |
| Net loans and leases to deposits | 0.9207% | 4,881 |
| Net loans and leases to core deposits | 0.9213% | 4,870 |
| Total domestic deposits to total assets | 90.2387% | 667 |
| Equity capital to assets | 8.5826% | 4,151 |
| Core capital (leverage) ratio | 9.0565% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.6252% | 74 |
| Memoranda: | ||
| Average total assets | $3,622,431,000 | 325 |
| Average earning assets | $3,045,684,500 | 345 |
| Average equity | $282,820,250 | 413 |
| Average total loans | $33,671,000 | 4,364 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6789% | 4,927 |
| Cost of funding earning assets | 0.0030% | 4,927 |
| Net interest margin | 0.6759% | 4,922 |
| Noninterest income to average assets | 2.7559% | 214 |
| Noninterest expense to average assets | 0.4200% | 4,937 |
| Loan and lease loss provision to assets | 0.5578% | 85 |
| Net operating income to assets | 1.8068% | 702 |
| Return on assets (ROA) | 1.9309% | 576 |
| Pretax return on assets | 2.5031% | 355 |
| Return on Equity (ROE) | 25.5640% | 172 |
| Retained earnings to average equity (ytd only) | 25.5640% | 65 |
| Net charge-offs to loans | 25.8631% | 2 |
| Credit loss provision to net charge-offs | 240.8918% | 975 |
| Earnings coverage of net charge-offs (x) | 12.5894% | 1,718 |
| Efficiency ratio | 12.6117% | 4,945 |
| Assets per employee ($millions) | 158.2255% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 20.0871% | 3 |
| Loan loss allowance to noncurrent loans | 951.5235% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,139 |
| Noncurrent loans to loans | 2.1110% | 441 |
| Net loans and leases to total assets | 0.7852% | 4,917 |
| Net loans and leases to deposits | 0.8661% | 4,919 |
| Net loans and leases to core deposits | 0.8666% | 4,908 |
| Total domestic deposits to total assets | 90.6534% | 494 |
| Equity capital to assets | 8.3504% | 4,322 |
| Core capital (leverage) ratio | 7.8642% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,636,578,000 | 321 |
| Average earning assets | $3,055,577,667 | 343 |
| Average equity | $274,675,333 | 417 |
| Average total loans | $32,432,333 | 4,420 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7516% | 4,952 |
| Cost of funding earning assets | 0.0032% | 4,956 |
| Net interest margin | 0.7483% | 4,947 |
| Noninterest income to average assets | 2.3911% | 282 |
| Noninterest expense to average assets | 0.4874% | 4,958 |
| Loan and lease loss provision to assets | 0.1888% | 651 |
| Net operating income to assets | 1.8031% | 785 |
| Return on assets (ROA) | 1.8655% | 753 |
| Pretax return on assets | 2.4153% | 506 |
| Return on Equity (ROE) | 25.9835% | 233 |
| Retained earnings to average equity (ytd only) | 25.9835% | 118 |
| Net charge-offs to loans | 8.0639% | 3 |
| Credit loss provision to net charge-offs | 242.6101% | 829 |
| Earnings coverage of net charge-offs (x) | 36.8664% | 1,011 |
| Efficiency ratio | 16.1549% | 4,963 |
| Assets per employee ($millions) | 180.9816% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4740% | 23 |
| Loan loss allowance to noncurrent loans | 157.3715% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 4,156 |
| Noncurrent loans to loans | 4.1138% | 131 |
| Net loans and leases to total assets | 0.6483% | 4,944 |
| Net loans and leases to deposits | 0.6979% | 4,946 |
| Net loans and leases to core deposits | 4.2633% | 4,932 |
| Total domestic deposits to total assets | 92.8958% | 39 |
| Equity capital to assets | 6.3485% | 4,915 |
| Core capital (leverage) ratio | 9.0312% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,714,387,000 | 316 |
| Average earning assets | $3,083,667,000 | 338 |
| Average equity | $266,676,500 | 423 |
| Average total loans | $31,548,000 | 4,462 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9421% | 4,975 |
| Cost of funding earning assets | 0.0049% | 4,984 |
| Net interest margin | 0.9372% | 4,964 |
| Noninterest income to average assets | 2.2506% | 285 |
| Noninterest expense to average assets | 0.6580% | 4,969 |
| Loan and lease loss provision to assets | 0.0385% | 3,929 |
| Net operating income to assets | 1.7823% | 405 |
| Return on assets (ROA) | 1.9667% | 301 |
| Pretax return on assets | 2.5677% | 177 |
| Return on Equity (ROE) | 19.7116% | 247 |
| Retained earnings to average equity (ytd only) | 19.7116% | 69 |
| Net charge-offs to loans | 5.2034% | 9 |
| Credit loss provision to net charge-offs | 68.0744% | 3,054 |
| Earnings coverage of net charge-offs (x) | 41.9120% | 1,344 |
| Efficiency ratio | 21.6738% | 4,982 |
| Assets per employee ($millions) | 148.4635% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8065% | 183 |
| Loan loss allowance to noncurrent loans | 55.5491% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 4,076 |
| Noncurrent loans to loans | 5.0523% | 85 |
| Net loans and leases to total assets | 1.0190% | 4,967 |
| Net loans and leases to deposits | 1.1267% | 4,970 |
| Net loans and leases to core deposits | 7.4970% | 4,953 |
| Total domestic deposits to total assets | 90.4379% | 401 |
| Equity capital to assets | 8.2387% | 4,607 |
| Core capital (leverage) ratio | 10.1492% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,467,503,400 | 404 |
| Average earning assets | $2,054,304,200 | 433 |
| Average equity | $246,190,600 | 425 |
| Average total loans | $26,847,600 | 4,583 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9989% | 5,018 |
| Cost of funding earning assets | 0.0051% | 5,019 |
| Net interest margin | 0.9938% | 5,005 |
| Noninterest income to average assets | 2.4398% | 248 |
| Noninterest expense to average assets | 0.7019% | 5,003 |
| Loan and lease loss provision to assets | 0.0260% | 4,018 |
| Net operating income to assets | 1.9919% | 301 |
| Return on assets (ROA) | 2.2342% | 206 |
| Pretax return on assets | 2.8743% | 131 |
| Return on Equity (ROE) | 21.0709% | 204 |
| Retained earnings to average equity (ytd only) | 21.0709% | 73 |
| Net charge-offs to loans | 5.4667% | 10 |
| Credit loss provision to net charge-offs | 38.0488% | 2,933 |
| Earnings coverage of net charge-offs (x) | 43.0390% | 1,306 |
| Efficiency ratio | 21.2638% | 5,016 |
| Assets per employee ($millions) | 121.5055% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6364% | 80 |
| Loan loss allowance to noncurrent loans | 64.4407% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 4,235 |
| Noncurrent loans to loans | 5.6430% | 79 |
| Net loans and leases to total assets | 0.7320% | 4,999 |
| Net loans and leases to deposits | 0.8165% | 5,003 |
| Net loans and leases to core deposits | 5.8122% | 4,988 |
| Total domestic deposits to total assets | 89.6621% | 532 |
| Equity capital to assets | 9.2329% | 3,922 |
| Core capital (leverage) ratio | 8.9132% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 86.7428% | 40 |
| Memoranda: | ||
| Average total assets | $2,267,829,750 | 420 |
| Average earning assets | $1,952,587,750 | 446 |
| Average equity | $240,465,000 | 426 |
| Average total loans | $24,999,000 | 4,641 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2884% | 5,047 |
| Cost of funding earning assets | 0.0052% | 5,053 |
| Net interest margin | 1.2832% | 5,027 |
| Noninterest income to average assets | 2.7429% | 190 |
| Noninterest expense to average assets | 0.6809% | 5,039 |
| Loan and lease loss provision to assets | 0.0142% | 4,050 |
| Net operating income to assets | 2.4467% | 153 |
| Return on assets (ROA) | 2.8408% | 104 |
| Pretax return on assets | 3.6467% | 72 |
| Return on Equity (ROE) | 25.3338% | 112 |
| Retained earnings to average equity (ytd only) | 25.3338% | 50 |
| Net charge-offs to loans | 6.4673% | 12 |
| Credit loss provision to net charge-offs | 17.5501% | 2,736 |
| Earnings coverage of net charge-offs (x) | 38.9623% | 1,265 |
| Efficiency ratio | 17.6882% | 5,053 |
| Assets per employee ($millions) | 108.7344% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4804% | 92 |
| Loan loss allowance to noncurrent loans | 61.4783% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 4,305 |
| Noncurrent loans to loans | 5.6611% | 82 |
| Net loans and leases to total assets | 0.7840% | 5,035 |
| Net loans and leases to deposits | 0.8810% | 5,036 |
| Net loans and leases to core deposits | 5.1277% | 5,022 |
| Total domestic deposits to total assets | 88.9896% | 748 |
| Equity capital to assets | 9.9284% | 3,267 |
| Core capital (leverage) ratio | 9.0753% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,092,230,667 | 447 |
| Average earning assets | $1,793,644,000 | 470 |
| Average equity | $234,611,667 | 435 |
| Average total loans | $26,255,333 | 4,640 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0921% | 5,079 |
| Cost of funding earning assets | 0.0055% | 5,100 |
| Net interest margin | 2.0867% | 4,994 |
| Noninterest income to average assets | 3.1856% | 141 |
| Noninterest expense to average assets | 0.6784% | 5,086 |
| Loan and lease loss provision to assets | 0.0481% | 3,177 |
| Net operating income to assets | 3.2580% | 53 |
| Return on assets (ROA) | 3.2987% | 50 |
| Pretax return on assets | 4.2862% | 42 |
| Return on Equity (ROE) | 27.3419% | 45 |
| Retained earnings to average equity (ytd only) | 27.3419% | 21 |
| Net charge-offs to loans | 4.1059% | 31 |
| Credit loss provision to net charge-offs | 65.3333% | 1,993 |
| Earnings coverage of net charge-offs (x) | 67.3800% | 746 |
| Efficiency ratio | 13.6531% | 5,099 |
| Assets per employee ($millions) | 99.1214% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1847% | 26 |
| Loan loss allowance to noncurrent loans | 65.4116% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 4,158 |
| Noncurrent loans to loans | 9.4551% | 32 |
| Net loans and leases to total assets | 0.9064% | 5,082 |
| Net loans and leases to deposits | 1.0294% | 5,083 |
| Net loans and leases to core deposits | 4.4385% | 5,069 |
| Total domestic deposits to total assets | 88.0445% | 1,089 |
| Equity capital to assets | 10.9057% | 2,943 |
| Core capital (leverage) ratio | 11.2864% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,887,900,000 | 471 |
| Average earning assets | $1,606,588,500 | 507 |
| Average equity | $227,768,000 | 446 |
| Average total loans | $29,226,000 | 4,612 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7579% | 5,100 |
| Cost of funding earning assets | 0.0058% | 5,162 |
| Net interest margin | 2.7520% | 4,790 |
| Noninterest income to average assets | 2.4607% | 205 |
| Noninterest expense to average assets | 0.7090% | 5,149 |
| Loan and lease loss provision to assets | 0.1513% | 1,405 |
| Net operating income to assets | 2.9878% | 80 |
| Return on assets (ROA) | 2.9890% | 82 |
| Pretax return on assets | 3.9062% | 65 |
| Return on Equity (ROE) | 24.0895% | 97 |
| Retained earnings to average equity (ytd only) | 15.5488% | 81 |
| Net charge-offs to loans | 9.0371% | 2 |
| Credit loss provision to net charge-offs | 103.5452% | 2,394 |
| Earnings coverage of net charge-offs (x) | 27.7612% | 1,648 |
| Efficiency ratio | 14.8448% | 5,163 |
| Assets per employee ($millions) | 75.9586% | 19 |
| Cash dividends to net income (ytd only)* | 35.4539% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7636% | 70 |
| Loan loss allowance to noncurrent loans | 53.7433% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 3,821 |
| Noncurrent loans to loans | 7.0030% | 46 |
| Net loans and leases to total assets | 2.2554% | 5,142 |
| Net loans and leases to deposits | 2.7340% | 5,145 |
| Net loans and leases to core deposits | 14.5916% | 5,113 |
| Total domestic deposits to total assets | 82.4962% | 3,364 |
| Equity capital to assets | 13.6490% | 1,225 |
| Core capital (leverage) ratio | 13.8670% | 962 |
| Tier 1 risk-based capital ratio | 82.8031% | 53 |
| Total risk-based capital ratio | 83.3738% | 54 |
| Memoranda: | ||
| Average total assets | $1,679,669,000 | 502 |
| Average earning assets | $1,406,384,000 | 540 |
| Average equity | $208,414,800 | 464 |
| Average total loans | $27,154,600 | 4,703 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8992% | 5,170 |
| Cost of funding earning assets | 0.0056% | 5,242 |
| Net interest margin | 2.8936% | 4,765 |
| Noninterest income to average assets | 2.4882% | 203 |
| Noninterest expense to average assets | 0.7079% | 5,227 |
| Loan and lease loss provision to assets | 0.1424% | 1,350 |
| Net operating income to assets | 3.1560% | 73 |
| Return on assets (ROA) | 3.1586% | 76 |
| Pretax return on assets | 4.0643% | 61 |
| Return on Equity (ROE) | 26.0671% | 71 |
| Retained earnings to average equity (ytd only) | 26.0671% | 21 |
| Net charge-offs to loans | 8.5536% | 2 |
| Credit loss provision to net charge-offs | 115.1458% | 2,025 |
| Earnings coverage of net charge-offs (x) | 33.9803% | 1,512 |
| Efficiency ratio | 14.3797% | 5,243 |
| Assets per employee ($millions) | 63.1227% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9397% | 16 |
| Loan loss allowance to noncurrent loans | 41.0263% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 3,407 |
| Noncurrent loans to loans | 16.9152% | 10 |
| Net loans and leases to total assets | 1.5771% | 5,221 |
| Net loans and leases to deposits | 1.9911% | 5,223 |
| Net loans and leases to core deposits | 11.4920% | 5,198 |
| Total domestic deposits to total assets | 79.2069% | 4,144 |
| Equity capital to assets | 17.0258% | 479 |
| Core capital (leverage) ratio | 15.1246% | 715 |
| Tier 1 risk-based capital ratio | 102.0534% | 41 |
| Total risk-based capital ratio | 102.8049% | 41 |
| Memoranda: | ||
| Average total assets | $1,700,803,750 | 499 |
| Average earning assets | $1,424,316,750 | 534 |
| Average equity | $206,088,750 | 467 |
| Average total loans | $24,597,250 | 4,831 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9499% | 5,220 |
| Cost of funding earning assets | 0.0050% | 5,289 |
| Net interest margin | 2.9450% | 4,764 |
| Noninterest income to average assets | 2.5052% | 198 |
| Noninterest expense to average assets | 0.6936% | 5,279 |
| Loan and lease loss provision to assets | 0.1282% | 1,454 |
| Net operating income to assets | 3.2283% | 74 |
| Return on assets (ROA) | 3.2312% | 80 |
| Pretax return on assets | 4.1535% | 60 |
| Return on Equity (ROE) | 29.5648% | 45 |
| Retained earnings to average equity (ytd only) | 29.5648% | 15 |
| Net charge-offs to loans | 11.3008% | 2 |
| Credit loss provision to net charge-offs | 81.8182% | 2,210 |
| Earnings coverage of net charge-offs (x) | 27.3112% | 1,547 |
| Efficiency ratio | 13.9203% | 5,289 |
| Assets per employee ($millions) | 81.6617% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7233% | 38 |
| Loan loss allowance to noncurrent loans | 102.9098% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 4,454 |
| Noncurrent loans to loans | 4.5898% | 127 |
| Net loans and leases to total assets | 1.2480% | 5,270 |
| Net loans and leases to deposits | 1.4934% | 5,271 |
| Net loans and leases to core deposits | 7.2175% | 5,258 |
| Total domestic deposits to total assets | 83.5684% | 3,023 |
| Equity capital to assets | 12.5002% | 1,857 |
| Core capital (leverage) ratio | 12.3298% | 1,622 |
| Tier 1 risk-based capital ratio | 57.0609% | 98 |
| Total risk-based capital ratio | 57.3622% | 100 |
| Memoranda: | ||
| Average total assets | $1,825,879,670 | 459 |
| Average earning assets | $1,529,115,670 | 500 |
| Average equity | $199,555,000 | 471 |
| Average total loans | $25,308,000 | 4,846 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8289% | 5,307 |
| Cost of funding earning assets | 0.0045% | 5,349 |
| Net interest margin | 2.8245% | 4,965 |
| Noninterest income to average assets | 3.0303% | 142 |
| Noninterest expense to average assets | 0.8160% | 5,333 |
| Loan and lease loss provision to assets | 0.1554% | 1,077 |
| Net operating income to assets | 3.4738% | 70 |
| Return on assets (ROA) | 3.4962% | 73 |
| Pretax return on assets | 4.5108% | 58 |
| Return on Equity (ROE) | 34.2316% | 34 |
| Retained earnings to average equity (ytd only) | 34.2316% | 18 |
| Net charge-offs to loans | 12.8991% | 2 |
| Credit loss provision to net charge-offs | 84.8028% | 1,750 |
| Earnings coverage of net charge-offs (x) | 25.3063% | 1,429 |
| Efficiency ratio | 14.9345% | 5,348 |
| Assets per employee ($millions) | 90.9044% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9107% | 24 |
| Loan loss allowance to noncurrent loans | 93.4066% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 4,539 |
| Noncurrent loans to loans | 6.3279% | 71 |
| Net loans and leases to total assets | 0.8335% | 5,330 |
| Net loans and leases to deposits | 0.9352% | 5,331 |
| Net loans and leases to core deposits | 4.2093% | 5,319 |
| Total domestic deposits to total assets | 89.1284% | 802 |
| Equity capital to assets | 8.8504% | 4,780 |
| Core capital (leverage) ratio | 10.0124% | 3,588 |
| Tier 1 risk-based capital ratio | 54.3697% | 113 |
| Total risk-based capital ratio | 54.7121% | 115 |
| Memoranda: | ||
| Average total assets | $1,881,372,000 | 456 |
| Average earning assets | $1,614,312,500 | 477 |
| Average equity | $192,150,000 | 483 |
| Average total loans | $26,730,500 | 4,870 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0477% | 5,365 |
| Cost of funding earning assets | 0.0058% | 5,391 |
| Net interest margin | 2.0418% | 5,331 |
| Noninterest income to average assets | 2.6039% | 187 |
| Noninterest expense to average assets | 1.2392% | 5,315 |
| Loan and lease loss provision to assets | 0.2186% | 829 |
| Net operating income to assets | 2.2499% | 234 |
| Return on assets (ROA) | 2.1688% | 260 |
| Pretax return on assets | 2.7769% | 133 |
| Return on Equity (ROE) | 20.6799% | 220 |
| Retained earnings to average equity (ytd only) | 20.6799% | 32 |
| Net charge-offs to loans | 9.4717% | 2 |
| Credit loss provision to net charge-offs | 145.8761% | 1,868 |
| Earnings coverage of net charge-offs (x) | 20.6710% | 1,980 |
| Efficiency ratio | 28.5261% | 5,371 |
| Assets per employee ($millions) | 62.0890% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9606% | 57 |
| Loan loss allowance to noncurrent loans | 78.2918% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 4,262 |
| Noncurrent loans to loans | 5.0588% | 106 |
| Net loans and leases to total assets | 2.1480% | 5,373 |
| Net loans and leases to deposits | 2.5216% | 5,375 |
| Net loans and leases to core deposits | 10.5305% | 5,353 |
| Total domestic deposits to total assets | 85.1841% | 2,569 |
| Equity capital to assets | 12.2919% | 1,703 |
| Core capital (leverage) ratio | 11.7416% | 1,923 |
| Tier 1 risk-based capital ratio | 100.7716% | 40 |
| Total risk-based capital ratio | 101.5427% | 40 |
| Memoranda: | ||
| Average total assets | $1,496,483,400 | 542 |
| Average earning assets | $1,270,526,200 | 574 |
| Average equity | $156,940,000 | 542 |
| Average total loans | $23,681,000 | 4,978 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9159% | 5,445 |
| Cost of funding earning assets | 0.0054% | 5,463 |
| Net interest margin | 1.9105% | 5,415 |
| Noninterest income to average assets | 2.5986% | 195 |
| Noninterest expense to average assets | 1.2177% | 5,391 |
| Loan and lease loss provision to assets | 0.2020% | 862 |
| Net operating income to assets | 2.1661% | 276 |
| Return on assets (ROA) | 2.1661% | 273 |
| Pretax return on assets | 2.7842% | 146 |
| Return on Equity (ROE) | 21.5781% | 186 |
| Retained earnings to average equity (ytd only) | 21.5781% | 44 |
| Net charge-offs to loans | 7.6917% | 6 |
| Credit loss provision to net charge-offs | 185.0041% | 1,474 |
| Earnings coverage of net charge-offs (x) | 27.3455% | 1,708 |
| Efficiency ratio | 28.9214% | 5,438 |
| Assets per employee ($millions) | 68.4107% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7374% | 28 |
| Loan loss allowance to noncurrent loans | 78.4245% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 4,432 |
| Noncurrent loans to loans | 7.3158% | 53 |
| Net loans and leases to total assets | 1.3929% | 5,446 |
| Net loans and leases to deposits | 1.6132% | 5,447 |
| Net loans and leases to core deposits | 11.3490% | 5,428 |
| Total domestic deposits to total assets | 86.3455% | 2,037 |
| Equity capital to assets | 11.0156% | 2,647 |
| Core capital (leverage) ratio | 12.2670% | 1,641 |
| Tier 1 risk-based capital ratio | 55.5693% | 99 |
| Total risk-based capital ratio | 56.0209% | 104 |
| Memoranda: | ||
| Average total assets | $1,498,070,500 | 539 |
| Average earning assets | $1,258,840,750 | 577 |
| Average equity | $150,383,500 | 563 |
| Average total loans | $21,269,250 | 5,107 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8197% | 5,514 |
| Cost of funding earning assets | 0.0049% | 5,525 |
| Net interest margin | 1.8147% | 5,490 |
| Noninterest income to average assets | 2.6570% | 193 |
| Noninterest expense to average assets | 1.1984% | 5,455 |
| Loan and lease loss provision to assets | 0.1222% | 1,612 |
| Net operating income to assets | 2.2456% | 238 |
| Return on assets (ROA) | 2.2456% | 232 |
| Pretax return on assets | 2.8810% | 130 |
| Return on Equity (ROE) | 23.1727% | 121 |
| Retained earnings to average equity (ytd only) | 23.1727% | 35 |
| Net charge-offs to loans | 4.7726% | 22 |
| Credit loss provision to net charge-offs | 182.9268% | 1,388 |
| Earnings coverage of net charge-offs (x) | 44.9553% | 1,210 |
| Efficiency ratio | 28.4772% | 5,500 |
| Assets per employee ($millions) | 59.1191% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2567% | 33 |
| Loan loss allowance to noncurrent loans | 87.3362% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 4,569 |
| Noncurrent loans to loans | 6.0189% | 88 |
| Net loans and leases to total assets | 1.4071% | 5,510 |
| Net loans and leases to deposits | 1.6044% | 5,511 |
| Net loans and leases to core deposits | 14.0012% | 5,484 |
| Total domestic deposits to total assets | 87.7013% | 1,540 |
| Equity capital to assets | 10.7482% | 2,892 |
| Core capital (leverage) ratio | 11.0659% | 2,469 |
| Tier 1 risk-based capital ratio | 65.1880% | 77 |
| Total risk-based capital ratio | 65.6958% | 77 |
| Memoranda: | ||
| Average total assets | $1,472,945,330 | 544 |
| Average earning assets | $1,253,734,330 | 577 |
| Average equity | $142,736,670 | 597 |
| Average total loans | $20,617,670 | 5,182 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8119% | 5,576 |
| Cost of funding earning assets | 0.0007% | 5,592 |
| Net interest margin | 1.8112% | 5,553 |
| Noninterest income to average assets | 3.0015% | 160 |
| Noninterest expense to average assets | 1.1218% | 5,539 |
| Loan and lease loss provision to assets | 0.0744% | 2,277 |
| Net operating income to assets | 2.6059% | 121 |
| Return on assets (ROA) | 2.6059% | 122 |
| Pretax return on assets | 3.3419% | 90 |
| Return on Equity (ROE) | 28.5536% | 54 |
| Retained earnings to average equity (ytd only) | 28.5536% | 24 |
| Net charge-offs to loans | 2.2140% | 51 |
| Credit loss provision to net charge-offs | 248.1481% | 919 |
| Earnings coverage of net charge-offs (x) | 113.9444% | 551 |
| Efficiency ratio | 24.6773% | 5,578 |
| Assets per employee ($millions) | 66.0557% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2367% | 364 |
| Loan loss allowance to noncurrent loans | 46.0204% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 4,782 |
| Noncurrent loans to loans | 4.8601% | 162 |
| Net loans and leases to total assets | 1.2435% | 5,572 |
| Net loans and leases to deposits | 1.3989% | 5,575 |
| Net loans and leases to core deposits | 12.2383% | 5,549 |
| Total domestic deposits to total assets | 88.8883% | 1,153 |
| Equity capital to assets | 9.9369% | 3,655 |
| Core capital (leverage) ratio | 11.0164% | 2,420 |
| Tier 1 risk-based capital ratio | 73.7271% | 59 |
| Total risk-based capital ratio | 73.9522% | 59 |
| Memoranda: | ||
| Average total assets | $1,440,870,000 | 557 |
| Average earning assets | $1,222,381,000 | 591 |
| Average equity | $131,500,000 | 649 |
| Average total loans | $19,512,500 | 5,268 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2198% | 5,645 |
| Cost of funding earning assets | 0.0098% | 5,649 |
| Net interest margin | 1.2100% | 5,636 |
| Noninterest income to average assets | 2.3351% | 238 |
| Noninterest expense to average assets | 1.1311% | 5,596 |
| Loan and lease loss provision to assets | 0.0408% | 3,452 |
| Net operating income to assets | 1.4350% | 935 |
| Return on assets (ROA) | 1.4344% | 955 |
| Pretax return on assets | 2.1790% | 328 |
| Return on Equity (ROE) | 13.2614% | 893 |
| Retained earnings to average equity (ytd only) | -48.1298% | 5,657 |
| Net charge-offs to loans | 3.3388% | 35 |
| Credit loss provision to net charge-offs | 103.3654% | 2,475 |
| Earnings coverage of net charge-offs (x) | 56.2716% | 998 |
| Efficiency ratio | 33.6682% | 5,610 |
| Assets per employee ($millions) | 58.9275% | 21 |
| Cash dividends to net income (ytd only)* | 462.9323% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,286 |
| Loan loss allowance to noncurrent loans | 41.9913% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 4,865 |
| Noncurrent loans to loans | 3.6742% | 271 |
| Net loans and leases to total assets | 1.4324% | 5,638 |
| Net loans and leases to deposits | 1.5875% | 5,640 |
| Net loans and leases to core deposits | 10.5070% | 5,619 |
| Total domestic deposits to total assets | 90.2308% | 489 |
| Equity capital to assets | 8.1353% | 5,336 |
| Core capital (leverage) ratio | 10.2286% | 3,152 |
| Tier 1 risk-based capital ratio | 37.4911% | 265 |
| Total risk-based capital ratio | 37.6054% | 282 |
| Memoranda: | ||
| Average total assets | $1,054,157,000 | 702 |
| Average earning assets | $885,697,800 | 765 |
| Average equity | $114,023,000 | 717 |
| Average total loans | $12,459,400 | 5,497 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1639% | 5,720 |
| Cost of funding earning assets | 0.0122% | 5,714 |
| Net interest margin | 1.1517% | 5,712 |
| Noninterest income to average assets | 2.3888% | 237 |
| Noninterest expense to average assets | 0.9718% | 5,683 |
| Loan and lease loss provision to assets | 0.0181% | 3,784 |
| Net operating income to assets | 1.5370% | 824 |
| Return on assets (ROA) | 1.5362% | 854 |
| Pretax return on assets | 2.3745% | 266 |
| Return on Equity (ROE) | 13.1399% | 1,023 |
| Retained earnings to average equity (ytd only) | -67.2056% | 5,724 |
| Net charge-offs to loans | 2.1487% | 67 |
| Credit loss provision to net charge-offs | 77.1429% | 2,624 |
| Earnings coverage of net charge-offs (x) | 101.9361% | 679 |
| Efficiency ratio | 28.7907% | 5,696 |
| Assets per employee ($millions) | 44.7284% | 24 |
| Cash dividends to net income (ytd only)* | 611.4605% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 3,132 |
| Loan loss allowance to noncurrent loans | 43.8889% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 4,967 |
| Noncurrent loans to loans | 2.6471% | 546 |
| Net loans and leases to total assets | 1.9599% | 5,701 |
| Net loans and leases to deposits | 2.2039% | 5,705 |
| Net loans and leases to core deposits | 38.6427% | 5,485 |
| Total domestic deposits to total assets | 88.9308% | 922 |
| Equity capital to assets | 9.8841% | 4,044 |
| Core capital (leverage) ratio | 11.2031% | 2,275 |
| Tier 1 risk-based capital ratio | 42.7697% | 190 |
| Total risk-based capital ratio | 42.8804% | 199 |
| Memoranda: | ||
| Average total assets | $993,595,250 | 746 |
| Average earning assets | $842,657,500 | 821 |
| Average equity | $116,162,000 | 706 |
| Average total loans | $10,859,000 | 5,580 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1566% | 5,766 |
| Cost of funding earning assets | 0.0079% | 5,768 |
| Net interest margin | 1.1487% | 5,763 |
| Noninterest income to average assets | 2.4563% | 236 |
| Noninterest expense to average assets | 0.8423% | 5,752 |
| Loan and lease loss provision to assets | 0.0128% | 3,698 |
| Net operating income to assets | 1.6748% | 592 |
| Return on assets (ROA) | 1.6729% | 613 |
| Pretax return on assets | 2.5806% | 190 |
| Return on Equity (ROE) | 13.5765% | 899 |
| Retained earnings to average equity (ytd only) | -102.1371% | 5,777 |
| Net charge-offs to loans | 0.5730% | 339 |
| Credit loss provision to net charge-offs | 286.3636% | 988 |
| Earnings coverage of net charge-offs (x) | 579.3636% | 141 |
| Efficiency ratio | 24.4121% | 5,760 |
| Assets per employee ($millions) | 67.5935% | 22 |
| Cash dividends to net income (ytd only)* | 852.3073% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4792% | 97 |
| Loan loss allowance to noncurrent loans | 57.7132% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 4,953 |
| Noncurrent loans to loans | 6.0284% | 101 |
| Net loans and leases to total assets | 1.0040% | 5,752 |
| Net loans and leases to deposits | 1.1535% | 5,754 |
| Net loans and leases to core deposits | 24.5035% | 5,688 |
| Total domestic deposits to total assets | 87.0337% | 1,935 |
| Equity capital to assets | 11.1903% | 2,607 |
| Core capital (leverage) ratio | 10.2748% | 3,172 |
| Tier 1 risk-based capital ratio | 47.9665% | 138 |
| Total risk-based capital ratio | 48.1401% | 145 |
| Memoranda: | ||
| Average total assets | $981,875,670 | 762 |
| Average earning assets | $839,546,670 | 835 |
| Average equity | $120,988,330 | 684 |
| Average total loans | $7,678,670 | 5,696 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0581% | 5,838 |
| Cost of funding earning assets | 0.0072% | 5,832 |
| Net interest margin | 1.0510% | 5,834 |
| Noninterest income to average assets | 2.5901% | 225 |
| Noninterest expense to average assets | 0.5384% | 5,838 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9178% | 353 |
| Return on assets (ROA) | 1.9178% | 363 |
| Pretax return on assets | 2.9602% | 139 |
| Return on Equity (ROE) | 14.9792% | 646 |
| Retained earnings to average equity (ytd only) | -136.1730% | 5,849 |
| Net charge-offs to loans | -0.1727% | 5,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.3114% | 5,841 |
| Assets per employee ($millions) | 86.5532% | 17 |
| Cash dividends to net income (ytd only)* | 1,009.0817% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7278% | 98 |
| Loan loss allowance to noncurrent loans | 49.9112% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 5,080 |
| Noncurrent loans to loans | 7.4688% | 71 |
| Net loans and leases to total assets | 0.6987% | 5,822 |
| Net loans and leases to deposits | 0.7917% | 5,821 |
| Net loans and leases to core deposits | 8.5532% | 5,804 |
| Total domestic deposits to total assets | 88.2575% | 1,554 |
| Equity capital to assets | 11.0483% | 2,582 |
| Core capital (leverage) ratio | 10.6431% | 2,749 |
| Tier 1 risk-based capital ratio | 49.9373% | 132 |
| Total risk-based capital ratio | 50.0718% | 137 |
| Memoranda: | ||
| Average total assets | $1,033,456,000 | 730 |
| Average earning assets | $893,263,500 | 769 |
| Average equity | $132,317,000 | 618 |
| Average total loans | $6,948,000 | 5,774 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7996% | 5,889 |
| Cost of funding earning assets | 0.0102% | 5,883 |
| Net interest margin | 0.7893% | 5,889 |
| Noninterest income to average assets | 2.1138% | 321 |
| Noninterest expense to average assets | 0.7961% | 5,878 |
| Loan and lease loss provision to assets | -0.0167% | 5,509 |
| Net operating income to assets | 1.2723% | 1,293 |
| Return on assets (ROA) | 1.2728% | 1,364 |
| Pretax return on assets | 2.0130% | 485 |
| Return on Equity (ROE) | 7.2376% | 3,344 |
| Retained earnings to average equity (ytd only) | -9.6361% | 5,781 |
| Net charge-offs to loans | -0.0314% | 5,267 |
| Credit loss provision to net charge-offs | 7,600.0000% | 63 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.4083% | 5,876 |
| Assets per employee ($millions) | 79.2813% | 19 |
| Cash dividends to net income (ytd only)* | 233.1405% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3567% | 60 |
| Loan loss allowance to noncurrent loans | 48.0069% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 5,113 |
| Noncurrent loans to loans | 9.0752% | 38 |
| Net loans and leases to total assets | 0.5900% | 5,879 |
| Net loans and leases to deposits | 0.6980% | 5,880 |
| Net loans and leases to core deposits | 0.6998% | 5,869 |
| Total domestic deposits to total assets | 84.5246% | 3,230 |
| Equity capital to assets | 14.5424% | 720 |
| Core capital (leverage) ratio | 17.0270% | 355 |
| Tier 1 risk-based capital ratio | 54.8234% | 111 |
| Total risk-based capital ratio | 54.9323% | 115 |
| Memoranda: | ||
| Average total assets | $909,888,400 | 790 |
| Average earning assets | $781,407,000 | 860 |
| Average equity | $160,012,400 | 498 |
| Average total loans | $6,362,000 | 5,840 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8258% | 5,956 |
| Cost of funding earning assets | 0.0107% | 5,949 |
| Net interest margin | 0.8151% | 5,956 |
| Noninterest income to average assets | 2.1972% | 311 |
| Noninterest expense to average assets | 0.6792% | 5,957 |
| Loan and lease loss provision to assets | -0.0230% | 5,678 |
| Net operating income to assets | 1.4263% | 1,012 |
| Return on assets (ROA) | 1.4270% | 1,063 |
| Pretax return on assets | 2.2431% | 350 |
| Return on Equity (ROE) | 7.7228% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.7228% | 1,298 |
| Net charge-offs to loans | 0.0420% | 2,803 |
| Credit loss provision to net charge-offs | -7,600.0000% | 5,436 |
| Earnings coverage of net charge-offs (x) | 7,311.1798% | 3 |
| Efficiency ratio | 23.3239% | 5,955 |
| Assets per employee ($millions) | 59.9792% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5417% | 56 |
| Loan loss allowance to noncurrent loans | 71.5789% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 5,291 |
| Noncurrent loans to loans | 6.3450% | 104 |
| Net loans and leases to total assets | 0.6808% | 5,946 |
| Net loans and leases to deposits | 0.8813% | 5,947 |
| Net loans and leases to core deposits | 0.8846% | 5,936 |
| Total domestic deposits to total assets | 77.2534% | 5,037 |
| Equity capital to assets | 17.5616% | 385 |
| Core capital (leverage) ratio | 17.6195% | 326 |
| Tier 1 risk-based capital ratio | 56.0580% | 103 |
| Total risk-based capital ratio | 56.1699% | 106 |
| Memoranda: | ||
| Average total assets | $879,696,250 | 826 |
| Average earning assets | $756,580,500 | 882 |
| Average equity | $162,545,000 | 496 |
| Average total loans | $6,363,000 | 5,904 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8469% | 6,036 |
| Cost of funding earning assets | 0.0105% | 6,025 |
| Net interest margin | 0.8364% | 6,035 |
| Noninterest income to average assets | 2.2841% | 287 |
| Noninterest expense to average assets | 0.6378% | 6,034 |
| Loan and lease loss provision to assets | -0.0340% | 5,803 |
| Net operating income to assets | 1.5280% | 848 |
| Return on assets (ROA) | 1.5290% | 893 |
| Pretax return on assets | 2.3955% | 258 |
| Return on Equity (ROE) | 8.1482% | 2,912 |
| Retained earnings to average equity (ytd only) | 8.1482% | 1,129 |
| Net charge-offs to loans | 0.2774% | 864 |
| Credit loss provision to net charge-offs | -1,688.8889% | 5,195 |
| Earnings coverage of net charge-offs (x) | 1,170.7778% | 40 |
| Efficiency ratio | 21.1730% | 6,038 |
| Assets per employee ($millions) | 58.4473% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3056% | 59 |
| Loan loss allowance to noncurrent loans | 67.8571% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 5,372 |
| Noncurrent loans to loans | 6.3451% | 109 |
| Net loans and leases to total assets | 0.7225% | 6,025 |
| Net loans and leases to deposits | 1.0346% | 6,026 |
| Net loans and leases to core deposits | 1.0390% | 6,015 |
| Total domestic deposits to total assets | 69.8346% | 5,788 |
| Equity capital to assets | 20.9506% | 186 |
| Core capital (leverage) ratio | 19.7607% | 206 |
| Tier 1 risk-based capital ratio | 107.8378% | 39 |
| Total risk-based capital ratio | 108.0161% | 39 |
| Memoranda: | ||
| Average total assets | $893,025,330 | 809 |
| Average earning assets | $761,865,670 | 877 |
| Average equity | $167,571,330 | 488 |
| Average total loans | $6,487,670 | 5,980 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9251% | 6,101 |
| Cost of funding earning assets | 0.0097% | 6,087 |
| Net interest margin | 0.9154% | 6,099 |
| Noninterest income to average assets | 2.4957% | 252 |
| Noninterest expense to average assets | 0.6075% | 6,101 |
| Loan and lease loss provision to assets | -0.0653% | 5,961 |
| Net operating income to assets | 1.7603% | 502 |
| Return on assets (ROA) | 1.7622% | 535 |
| Pretax return on assets | 2.7644% | 157 |
| Return on Equity (ROE) | 9.8985% | 2,026 |
| Retained earnings to average equity (ytd only) | 9.8985% | 867 |
| Net charge-offs to loans | -0.4817% | 5,989 |
| Credit loss provision to net charge-offs | 1,900.0000% | 219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.2978% | 6,102 |
| Assets per employee ($millions) | 65.6652% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2864% | 76 |
| Loan loss allowance to noncurrent loans | 69.8020% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 5,449 |
| Noncurrent loans to loans | 6.1408% | 136 |
| Net loans and leases to total assets | 0.6850% | 6,086 |
| Net loans and leases to deposits | 0.9487% | 6,087 |
| Net loans and leases to core deposits | 0.9522% | 6,076 |
| Total domestic deposits to total assets | 72.1995% | 5,758 |
| Equity capital to assets | 18.2759% | 306 |
| Core capital (leverage) ratio | 15.6780% | 513 |
| Tier 1 risk-based capital ratio | 123.1525% | 36 |
| Total risk-based capital ratio | 123.3736% | 36 |
| Memoranda: | ||
| Average total assets | $930,407,000 | 778 |
| Average earning assets | $821,080,500 | 813 |
| Average equity | $165,641,500 | 488 |
| Average total loans | $6,642,500 | 6,038 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5037% | 6,161 |
| Cost of funding earning assets | 0.0087% | 6,154 |
| Net interest margin | 0.4950% | 6,158 |
| Noninterest income to average assets | 1.9716% | 366 |
| Noninterest expense to average assets | 0.5270% | 6,154 |
| Loan and lease loss provision to assets | -0.0092% | 5,620 |
| Net operating income to assets | 1.2032% | 1,533 |
| Return on assets (ROA) | 1.2032% | 1,608 |
| Pretax return on assets | 1.8969% | 659 |
| Return on Equity (ROE) | 6.7208% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.7208% | 1,424 |
| Net charge-offs to loans | -0.2157% | 5,963 |
| Credit loss provision to net charge-offs | 533.3333% | 616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.6934% | 6,161 |
| Assets per employee ($millions) | 67.3019% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3494% | 26 |
| Loan loss allowance to noncurrent loans | 62.2449% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 5,344 |
| Noncurrent loans to loans | 10.2007% | 41 |
| Net loans and leases to total assets | 0.6684% | 6,146 |
| Net loans and leases to deposits | 0.8674% | 6,147 |
| Net loans and leases to core deposits | 0.8705% | 6,135 |
| Total domestic deposits to total assets | 77.0609% | 5,304 |
| Equity capital to assets | 17.3313% | 375 |
| Core capital (leverage) ratio | 20.3781% | 184 |
| Tier 1 risk-based capital ratio | 137.4300% | 34 |
| Total risk-based capital ratio | 137.8142% | 34 |
| Memoranda: | ||
| Average total assets | $870,151,400 | 790 |
| Average earning assets | $778,860,400 | 813 |
| Average equity | $155,785,800 | 492 |
| Average total loans | $6,952,800 | 6,087 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5214% | 6,253 |
| Cost of funding earning assets | 0.0088% | 6,237 |
| Net interest margin | 0.5127% | 6,251 |
| Noninterest income to average assets | 2.0137% | 359 |
| Noninterest expense to average assets | 0.5361% | 6,247 |
| Loan and lease loss provision to assets | -0.0125% | 5,825 |
| Net operating income to assets | 1.1927% | 1,677 |
| Return on assets (ROA) | 1.1926% | 1,744 |
| Pretax return on assets | 1.9461% | 671 |
| Return on Equity (ROE) | 6.6029% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.6029% | 1,887 |
| Net charge-offs to loans | -0.1522% | 5,921 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.5711% | 6,249 |
| Assets per employee ($millions) | 48.4349% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9526% | 37 |
| Loan loss allowance to noncurrent loans | 42.0683% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 5,240 |
| Noncurrent loans to loans | 14.1497% | 18 |
| Net loans and leases to total assets | 0.8542% | 6,230 |
| Net loans and leases to deposits | 1.1426% | 6,232 |
| Net loans and leases to core deposits | 1.1463% | 6,220 |
| Total domestic deposits to total assets | 74.7629% | 5,643 |
| Equity capital to assets | 20.6971% | 206 |
| Core capital (leverage) ratio | 17.2847% | 351 |
| Tier 1 risk-based capital ratio | 144.8330% | 35 |
| Total risk-based capital ratio | 145.2390% | 35 |
| Memoranda: | ||
| Average total assets | $852,132,500 | 813 |
| Average earning assets | $758,125,750 | 843 |
| Average equity | $153,907,250 | 499 |
| Average total loans | $7,009,750 | 6,166 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5181% | 6,329 |
| Cost of funding earning assets | 0.0083% | 6,315 |
| Net interest margin | 0.5099% | 6,328 |
| Noninterest income to average assets | 2.0402% | 361 |
| Noninterest expense to average assets | 0.5001% | 6,324 |
| Loan and lease loss provision to assets | -0.0182% | 5,973 |
| Net operating income to assets | 1.2787% | 1,384 |
| Return on assets (ROA) | 1.2788% | 1,440 |
| Pretax return on assets | 2.0085% | 586 |
| Return on Equity (ROE) | 7.3979% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.3979% | 1,521 |
| Net charge-offs to loans | 0.8857% | 232 |
| Credit loss provision to net charge-offs | -258.0645% | 5,081 |
| Earnings coverage of net charge-offs (x) | 281.7742% | 244 |
| Efficiency ratio | 19.9543% | 6,328 |
| Assets per employee ($millions) | 54.1084% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5539% | 50 |
| Loan loss allowance to noncurrent loans | 86.1678% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 5,653 |
| Noncurrent loans to loans | 6.4455% | 136 |
| Net loans and leases to total assets | 0.7464% | 6,309 |
| Net loans and leases to deposits | 0.9412% | 6,310 |
| Net loans and leases to core deposits | 0.9438% | 6,297 |
| Total domestic deposits to total assets | 79.3026% | 5,025 |
| Equity capital to assets | 18.2306% | 316 |
| Core capital (leverage) ratio | 15.8237% | 491 |
| Tier 1 risk-based capital ratio | 129.8381% | 37 |
| Total risk-based capital ratio | 130.1736% | 37 |
| Memoranda: | ||
| Average total assets | $877,857,000 | 797 |
| Average earning assets | $774,732,000 | 826 |
| Average equity | $151,745,000 | 505 |
| Average total loans | $7,000,000 | 6,243 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5316% | 6,402 |
| Cost of funding earning assets | 0.0083% | 6,384 |
| Net interest margin | 0.5232% | 6,400 |
| Noninterest income to average assets | 2.2319% | 314 |
| Noninterest expense to average assets | 0.4670% | 6,398 |
| Loan and lease loss provision to assets | -0.0362% | 6,138 |
| Net operating income to assets | 1.4425% | 956 |
| Return on assets (ROA) | 1.4422% | 1,016 |
| Pretax return on assets | 2.2550% | 352 |
| Return on Equity (ROE) | 8.5728% | 2,657 |
| Retained earnings to average equity (ytd only) | 8.5728% | 1,348 |
| Net charge-offs to loans | 1.6386% | 113 |
| Credit loss provision to net charge-offs | -275.8621% | 4,688 |
| Earnings coverage of net charge-offs (x) | 169.1034% | 323 |
| Efficiency ratio | 17.2675% | 6,400 |
| Assets per employee ($millions) | 59.9347% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7785% | 77 |
| Loan loss allowance to noncurrent loans | 75.1648% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 5,732 |
| Noncurrent loans to loans | 6.3574% | 165 |
| Net loans and leases to total assets | 0.7580% | 6,381 |
| Net loans and leases to deposits | 0.9391% | 6,382 |
| Net loans and leases to core deposits | 0.9415% | 6,369 |
| Total domestic deposits to total assets | 80.7233% | 4,876 |
| Equity capital to assets | 16.7337% | 467 |
| Core capital (leverage) ratio | 15.7382% | 497 |
| Tier 1 risk-based capital ratio | 122.3893% | 43 |
| Total risk-based capital ratio | 122.6901% | 44 |
| Memoranda: | ||
| Average total assets | $883,918,000 | 792 |
| Average earning assets | $767,563,000 | 840 |
| Average equity | $148,703,000 | 515 |
| Average total loans | $7,079,000 | 6,309 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5109% | 6,489 |
| Cost of funding earning assets | 0.0101% | 6,475 |
| Net interest margin | 0.5008% | 6,487 |
| Noninterest income to average assets | 2.2675% | 275 |
| Noninterest expense to average assets | 0.5924% | 6,481 |
| Loan and lease loss provision to assets | 0.0025% | 4,552 |
| Net operating income to assets | 1.3551% | 1,179 |
| Return on assets (ROA) | 1.3548% | 1,229 |
| Pretax return on assets | 2.1117% | 398 |
| Return on Equity (ROE) | 7.5036% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.5036% | 1,190 |
| Net charge-offs to loans | 0.5594% | 727 |
| Credit loss provision to net charge-offs | 45.0000% | 3,586 |
| Earnings coverage of net charge-offs (x) | 382.4000% | 143 |
| Efficiency ratio | 21.7405% | 6,489 |
| Assets per employee ($millions) | 57.9211% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4419% | 28 |
| Loan loss allowance to noncurrent loans | 147.8689% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 5,902 |
| Noncurrent loans to loans | 4.3565% | 390 |
| Net loans and leases to total assets | 0.7539% | 6,471 |
| Net loans and leases to deposits | 1.0982% | 6,472 |
| Net loans and leases to core deposits | 1.1017% | 6,459 |
| Total domestic deposits to total assets | 68.6461% | 6,246 |
| Equity capital to assets | 16.9158% | 428 |
| Core capital (leverage) ratio | 17.9167% | 292 |
| Tier 1 risk-based capital ratio | 70.5899% | 69 |
| Total risk-based capital ratio | 70.8243% | 69 |
| Memoranda: | ||
| Average total assets | $723,353,800 | 929 |
| Average earning assets | $634,746,800 | 968 |
| Average equity | $130,604,000 | 556 |
| Average total loans | $7,150,000 | 6,391 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5117% | 6,569 |
| Cost of funding earning assets | 0.0104% | 6,556 |
| Net interest margin | 0.5013% | 6,569 |
| Noninterest income to average assets | 2.3484% | 263 |
| Noninterest expense to average assets | 0.6063% | 6,568 |
| Loan and lease loss provision to assets | 0.0035% | 4,339 |
| Net operating income to assets | 1.4038% | 1,125 |
| Return on assets (ROA) | 1.4036% | 1,170 |
| Pretax return on assets | 2.1890% | 373 |
| Return on Equity (ROE) | 7.6217% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.6217% | 1,520 |
| Net charge-offs to loans | 0.8905% | 369 |
| Credit loss provision to net charge-offs | 37.5000% | 3,327 |
| Earnings coverage of net charge-offs (x) | 235.3900% | 286 |
| Efficiency ratio | 21.5142% | 6,570 |
| Assets per employee ($millions) | 46.8158% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1028% | 48 |
| Loan loss allowance to noncurrent loans | 139.3082% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 5,978 |
| Noncurrent loans to loans | 4.3808% | 456 |
| Net loans and leases to total assets | 0.9706% | 6,549 |
| Net loans and leases to deposits | 1.4459% | 6,551 |
| Net loans and leases to core deposits | 1.4519% | 6,538 |
| Total domestic deposits to total assets | 67.1278% | 6,377 |
| Equity capital to assets | 20.5330% | 209 |
| Core capital (leverage) ratio | 17.5550% | 319 |
| Tier 1 risk-based capital ratio | 149.5755% | 34 |
| Total risk-based capital ratio | 150.0736% | 34 |
| Memoranda: | ||
| Average total assets | $686,988,250 | 983 |
| Average earning assets | $617,832,750 | 1,002 |
| Average equity | $126,513,250 | 567 |
| Average total loans | $7,187,250 | 6,463 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5157% | 6,634 |
| Cost of funding earning assets | 0.0101% | 6,621 |
| Net interest margin | 0.5056% | 6,633 |
| Noninterest income to average assets | 2.3467% | 267 |
| Noninterest expense to average assets | 0.5951% | 6,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3932% | 1,082 |
| Return on assets (ROA) | 1.3929% | 1,128 |
| Pretax return on assets | 2.2062% | 358 |
| Return on Equity (ROE) | 7.8743% | 3,172 |
| Retained earnings to average equity (ytd only) | 7.8743% | 1,375 |
| Net charge-offs to loans | 1.3681% | 215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 153.5510% | 404 |
| Efficiency ratio | 21.0929% | 6,637 |
| Assets per employee ($millions) | 57.4181% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9685% | 50 |
| Loan loss allowance to noncurrent loans | 140.8638% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 6,082 |
| Noncurrent loans to loans | 4.2370% | 547 |
| Net loans and leases to total assets | 0.8949% | 6,617 |
| Net loans and leases to deposits | 1.3105% | 6,619 |
| Net loans and leases to core deposits | 1.3158% | 6,606 |
| Total domestic deposits to total assets | 68.2879% | 6,413 |
| Equity capital to assets | 18.9679% | 260 |
| Core capital (leverage) ratio | 16.2941% | 438 |
| Tier 1 risk-based capital ratio | 130.6351% | 36 |
| Total risk-based capital ratio | 131.0600% | 36 |
| Memoranda: | ||
| Average total assets | $681,905,330 | 991 |
| Average earning assets | $613,899,000 | 1,009 |
| Average equity | $120,621,000 | 595 |
| Average total loans | $7,163,330 | 6,527 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4994% | 6,712 |
| Cost of funding earning assets | 0.0109% | 6,691 |
| Net interest margin | 0.4885% | 6,710 |
| Noninterest income to average assets | 2.3354% | 262 |
| Noninterest expense to average assets | 0.6767% | 6,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3258% | 1,149 |
| Return on assets (ROA) | 1.3250% | 1,200 |
| Pretax return on assets | 2.0990% | 430 |
| Return on Equity (ROE) | 7.8155% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.8155% | 1,679 |
| Net charge-offs to loans | 1.6127% | 195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 117.6207% | 406 |
| Efficiency ratio | 24.2129% | 6,699 |
| Assets per employee ($millions) | 63.1770% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3329% | 39 |
| Loan loss allowance to noncurrent loans | 142.7653% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 6,181 |
| Noncurrent loans to loans | 4.4359% | 553 |
| Net loans and leases to total assets | 0.7996% | 6,688 |
| Net loans and leases to deposits | 1.1241% | 6,689 |
| Net loans and leases to core deposits | 1.1275% | 6,676 |
| Total domestic deposits to total assets | 71.1307% | 6,400 |
| Equity capital to assets | 16.8997% | 408 |
| Core capital (leverage) ratio | 18.4307% | 284 |
| Tier 1 risk-based capital ratio | 127.1416% | 42 |
| Total risk-based capital ratio | 127.5839% | 43 |
| Memoranda: | ||
| Average total assets | $649,640,500 | 1,050 |
| Average earning assets | $587,079,000 | 1,061 |
| Average equity | $110,140,000 | 654 |
| Average total loans | $7,193,000 | 6,596 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6897% | 6,783 |
| Cost of funding earning assets | 0.0186% | 6,776 |
| Net interest margin | 0.6711% | 6,777 |
| Noninterest income to average assets | 1.9067% | 424 |
| Noninterest expense to average assets | 0.7914% | 6,772 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0778% | 2,005 |
| Return on assets (ROA) | 1.0783% | 2,088 |
| Pretax return on assets | 1.7078% | 934 |
| Return on Equity (ROE) | 6.2283% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.2283% | 1,829 |
| Net charge-offs to loans | 0.2250% | 2,661 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 398.2941% | 110 |
| Efficiency ratio | 31.3925% | 6,757 |
| Assets per employee ($millions) | 36.7677% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4136% | 34 |
| Loan loss allowance to noncurrent loans | 245.0777% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 6,252 |
| Noncurrent loans to loans | 2.6169% | 1,424 |
| Net loans and leases to total assets | 1.4440% | 6,768 |
| Net loans and leases to deposits | 2.2532% | 6,770 |
| Net loans and leases to core deposits | 2.2668% | 6,758 |
| Total domestic deposits to total assets | 64.0866% | 6,666 |
| Equity capital to assets | 17.0474% | 395 |
| Core capital (leverage) ratio | 16.9381% | 376 |
| Tier 1 risk-based capital ratio | 93.8712% | 51 |
| Total risk-based capital ratio | 94.5023% | 51 |
| Memoranda: | ||
| Average total assets | $396,658,800 | 1,664 |
| Average earning assets | $349,724,600 | 1,709 |
| Average equity | $68,670,000 | 1,040 |
| Average total loans | $7,557,000 | 6,667 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6907% | 6,863 |
| Cost of funding earning assets | 0.0198% | 6,855 |
| Net interest margin | 0.6709% | 6,858 |
| Noninterest income to average assets | 1.1571% | 1,095 |
| Noninterest expense to average assets | 0.8298% | 6,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7202% | 3,753 |
| Return on assets (ROA) | 0.7213% | 3,882 |
| Pretax return on assets | 0.9166% | 3,805 |
| Return on Equity (ROE) | 4.1465% | 5,152 |
| Retained earnings to average equity (ytd only) | 4.1465% | 3,732 |
| Net charge-offs to loans | 0.3157% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 143.4963% | 385 |
| Efficiency ratio | 47.1269% | 6,549 |
| Assets per employee ($millions) | 28.9620% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7610% | 31 |
| Loan loss allowance to noncurrent loans | 179.8479% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 6,232 |
| Noncurrent loans to loans | 3.7593% | 979 |
| Net loans and leases to total assets | 1.7325% | 6,848 |
| Net loans and leases to deposits | 2.7812% | 6,849 |
| Net loans and leases to core deposits | 2.8037% | 6,838 |
| Total domestic deposits to total assets | 62.2946% | 6,771 |
| Equity capital to assets | 18.3700% | 303 |
| Core capital (leverage) ratio | 15.5126% | 562 |
| Tier 1 risk-based capital ratio | 86.6709% | 50 |
| Total risk-based capital ratio | 87.3785% | 51 |
| Memoranda: | ||
| Average total assets | $376,328,500 | 1,750 |
| Average earning assets | $329,707,250 | 1,813 |
| Average equity | $65,466,750 | 1,107 |
| Average total loans | $7,602,500 | 6,741 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7171% | 6,914 |
| Cost of funding earning assets | 0.0201% | 6,905 |
| Net interest margin | 0.6971% | 6,910 |
| Noninterest income to average assets | 1.1789% | 1,090 |
| Noninterest expense to average assets | 0.8324% | 6,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0200% | 2,241 |
| Return on assets (ROA) | 1.0237% | 2,348 |
| Pretax return on assets | 0.9594% | 3,682 |
| Return on Equity (ROE) | 5.9968% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.9968% | 2,444 |
| Net charge-offs to loans | 0.5638% | 1,170 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 81.7273% | 553 |
| Efficiency ratio | 46.1356% | 6,629 |
| Assets per employee ($millions) | 32.9748% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0949% | 56 |
| Loan loss allowance to noncurrent loans | 196.2343% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 6,319 |
| Noncurrent loans to loans | 3.1059% | 1,422 |
| Net loans and leases to total assets | 1.8261% | 6,898 |
| Net loans and leases to deposits | 2.9397% | 6,900 |
| Net loans and leases to core deposits | 2.9650% | 6,888 |
| Total domestic deposits to total assets | 62.1192% | 6,821 |
| Equity capital to assets | 17.4141% | 377 |
| Core capital (leverage) ratio | 17.1736% | 359 |
| Tier 1 risk-based capital ratio | 127.9080% | 38 |
| Total risk-based capital ratio | 128.9477% | 38 |
| Memoranda: | ||
| Average total assets | $376,269,330 | 1,750 |
| Average earning assets | $328,811,330 | 1,820 |
| Average equity | $64,234,330 | 1,135 |
| Average total loans | $7,804,670 | 6,777 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6797% | 6,992 |
| Cost of funding earning assets | 0.0201% | 6,983 |
| Net interest margin | 0.6596% | 6,988 |
| Noninterest income to average assets | 1.3040% | 905 |
| Noninterest expense to average assets | 0.8021% | 6,980 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1371% | 1,725 |
| Return on assets (ROA) | 1.1371% | 1,839 |
| Pretax return on assets | 1.0760% | 3,040 |
| Return on Equity (ROE) | 6.7337% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.7337% | 2,295 |
| Net charge-offs to loans | 1.3232% | 427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 37.9231% | 827 |
| Efficiency ratio | 42.3010% | 6,829 |
| Assets per employee ($millions) | 29.9012% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0322% | 74 |
| Loan loss allowance to noncurrent loans | 181.9608% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 6,407 |
| Noncurrent loans to loans | 3.3151% | 1,462 |
| Net loans and leases to total assets | 1.8595% | 6,976 |
| Net loans and leases to deposits | 2.8698% | 6,978 |
| Net loans and leases to core deposits | 2.8968% | 6,965 |
| Total domestic deposits to total assets | 64.7950% | 6,868 |
| Equity capital to assets | 16.7122% | 459 |
| Core capital (leverage) ratio | 16.0217% | 454 |
| Tier 1 risk-based capital ratio | 96.9199% | 48 |
| Total risk-based capital ratio | 97.7591% | 48 |
| Memoranda: | ||
| Average total assets | $366,555,500 | 1,801 |
| Average earning assets | $318,976,500 | 1,903 |
| Average equity | $61,898,000 | 1,188 |
| Average total loans | $7,859,500 | 6,851 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7772% | 6,862 |
| Cost of funding earning assets | 0.0572% | 7,030 |
| Net interest margin | 2.7200% | 6,491 |
| Noninterest income to average assets | 1.9409% | 455 |
| Noninterest expense to average assets | 1.6359% | 6,771 |
| Loan and lease loss provision to assets | 0.4059% | 1,593 |
| Net operating income to assets | 2.0577% | 323 |
| Return on assets (ROA) | 2.0647% | 350 |
| Pretax return on assets | 2.2329% | 381 |
| Return on Equity (ROE) | 7.5622% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.5622% | 1,305 |
| Net charge-offs to loans | 3.2145% | 141 |
| Credit loss provision to net charge-offs | 188.9680% | 1,384 |
| Earnings coverage of net charge-offs (x) | 12.2491% | 1,948 |
| Efficiency ratio | 37.7822% | 6,977 |
| Assets per employee ($millions) | 26.4920% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9175% | 72 |
| Loan loss allowance to noncurrent loans | 46.7520% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 5,796 |
| Noncurrent loans to loans | 12.6573% | 130 |
| Net loans and leases to total assets | 2.1928% | 7,035 |
| Net loans and leases to deposits | 3.2938% | 7,038 |
| Net loans and leases to core deposits | 3.3359% | 7,028 |
| Total domestic deposits to total assets | 66.5737% | 6,886 |
| Equity capital to assets | 17.0830% | 405 |
| Core capital (leverage) ratio | 22.5234% | 120 |
| Tier 1 risk-based capital ratio | 116.5959% | 45 |
| Total risk-based capital ratio | 117.7617% | 45 |
| Memoranda: | ||
| Average total assets | $130,816,600 | 4,133 |
| Average earning assets | $111,876,200 | 4,295 |
| Average equity | $35,717,000 | 1,938 |
| Average total loans | $8,741,600 | 6,895 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 1,371 |
| Cost of funding earning assets | 0.1054% | 7,108 |
| Net interest margin | 5.0185% | 388 |
| Noninterest income to average assets | 1.0626% | 1,337 |
| Noninterest expense to average assets | 3.0051% | 3,212 |
| Loan and lease loss provision to assets | 0.6217% | 861 |
| Net operating income to assets | 0.9347% | 2,818 |
| Return on assets (ROA) | 0.9523% | 2,960 |
| Pretax return on assets | 1.5637% | 1,691 |
| Return on Equity (ROE) | 2.4628% | 5,894 |
| Retained earnings to average equity (ytd only) | 2.4628% | 5,100 |
| Net charge-offs to loans | 1.7937% | 436 |
| Credit loss provision to net charge-offs | 300.8333% | 894 |
| Earnings coverage of net charge-offs (x) | 10.4414% | 2,190 |
| Efficiency ratio | 57.5050% | 5,852 |
| Assets per employee ($millions) | 8.2965% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7803% | 366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 7.0326% | 7,126 |
| Net loans and leases to deposits | 15.1394% | 7,107 |
| Net loans and leases to core deposits | 15.9630% | 7,096 |
| Total domestic deposits to total assets | 46.4522% | 7,120 |
| Equity capital to assets | 28.3418% | 73 |
| Core capital (leverage) ratio | 28.8084% | 69 |
| Tier 1 risk-based capital ratio | 158.8638% | 39 |
| Total risk-based capital ratio | 160.1106% | 39 |
| Memoranda: | ||
| Average total assets | $77,421,750 | 5,477 |
| Average earning assets | $63,257,500 | 5,686 |
| Average equity | $29,938,000 | 2,271 |
| Average total loans | $8,920,250 | 6,979 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5315% | 141 |
| Cost of funding earning assets | 0.1164% | 7,161 |
| Net interest margin | 6.4151% | 70 |
| Noninterest income to average assets | 0.2289% | 5,932 |
| Noninterest expense to average assets | 3.4127% | 2,002 |
| Loan and lease loss provision to assets | 1.0732% | 406 |
| Net operating income to assets | 0.5068% | 4,784 |
| Return on assets (ROA) | 0.5410% | 4,903 |
| Pretax return on assets | 0.8740% | 4,182 |
| Return on Equity (ROE) | 1.2244% | 6,256 |
| Retained earnings to average equity (ytd only) | 1.2244% | 5,584 |
| Net charge-offs to loans | 1.0792% | 1,011 |
| Credit loss provision to net charge-offs | 722.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 12.7400% | 1,849 |
| Efficiency ratio | 63.3613% | 5,014 |
| Assets per employee ($millions) | 6.3681% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6150% | 455 |
| Loan loss allowance to noncurrent loans | 536.2069% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 6,576 |
| Noncurrent loans to loans | 0.6742% | 5,154 |
| Net loans and leases to total assets | 13.0212% | 7,163 |
| Net loans and leases to deposits | 24.9827% | 7,081 |
| Net loans and leases to core deposits | 26.4658% | 7,077 |
| Total domestic deposits to total assets | 52.1207% | 7,175 |
| Equity capital to assets | 47.3673% | 38 |
| Core capital (leverage) ratio | 34.3155% | 49 |
| Tier 1 risk-based capital ratio | 140.4460% | 38 |
| Total risk-based capital ratio | 141.7810% | 39 |
| Memoranda: | ||
| Average total assets | $67,277,330 | 5,803 |
| Average earning assets | $53,249,330 | 6,055 |
| Average equity | $29,728,000 | 2,276 |
| Average total loans | $9,266,000 | 7,025 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5677% | 670 |
| Cost of funding earning assets | 0.1012% | 7,247 |
| Net interest margin | 5.4665% | 194 |
| Noninterest income to average assets | 0.2027% | 6,177 |
| Noninterest expense to average assets | 3.2892% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8021% | 3,364 |
| Return on assets (ROA) | 0.8281% | 3,492 |
| Pretax return on assets | 1.3319% | 2,419 |
| Return on Equity (ROE) | 1.9383% | 6,091 |
| Retained earnings to average equity (ytd only) | 1.9383% | 5,286 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6700% | 3,687 |
| Assets per employee ($millions) | 7.7839% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,247 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 6,821 |
| Noncurrent loans to loans | 0.2620% | 6,160 |
| Net loans and leases to total assets | 13.0740% | 7,218 |
| Net loans and leases to deposits | 23.0566% | 7,154 |
| Net loans and leases to core deposits | 24.5471% | 7,146 |
| Total domestic deposits to total assets | 56.7040% | 7,219 |
| Equity capital to assets | 42.9291% | 37 |
| Core capital (leverage) ratio | 32.1598% | 51 |
| Tier 1 risk-based capital ratio | 135.9257% | 37 |
| Total risk-based capital ratio | 135.9257% | 37 |
| Memoranda: | ||
| Average total assets | $69,075,500 | 5,797 |
| Average earning assets | $55,319,000 | 6,018 |
| Average equity | $29,510,000 | 2,293 |
| Average total loans | $9,597,500 | 7,081 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2290% | 7,349 |
| Cost of funding earning assets | 0.0283% | 7,335 |
| Net interest margin | 0.2007% | 7,348 |
| Noninterest income to average assets | 0.0371% | 6,883 |
| Noninterest expense to average assets | 0.2086% | 7,353 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0093% | 6,020 |
| Return on assets (ROA) | 0.0093% | 6,142 |
| Pretax return on assets | 0.0093% | 6,111 |
| Return on Equity (ROE) | 0.0374% | 6,155 |
| Retained earnings to average equity (ytd only) | 0.0374% | 5,821 |
| Net charge-offs to loans | 4.7332% | 96 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.0062% | 5,817 |
| Efficiency ratio | 95.7447% | 831 |
| Assets per employee ($millions) | 8.5120% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 6,880 |
| Noncurrent loans to loans | 0.2391% | 6,255 |
| Net loans and leases to total assets | 14.7380% | 7,265 |
| Net loans and leases to deposits | 25.6623% | 7,193 |
| Net loans and leases to core deposits | 27.4230% | 7,182 |
| Total domestic deposits to total assets | 57.4307% | 7,255 |
| Equity capital to assets | 42.5076% | 39 |
| Core capital (leverage) ratio | 48.3274% | 36 |
| Tier 1 risk-based capital ratio | 86.5753% | 55 |
| Total risk-based capital ratio | 86.5753% | 55 |
| Memoranda: | ||
| Average total assets | $43,150,400 | 6,560 |
| Average earning assets | $38,870,200 | 6,571 |
| Average equity | $10,705,000 | 4,855 |
| Average total loans | $13,732,800 | 6,959 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 5,677 |
| Cost of funding earning assets | 0.5862% | 6,345 |
| Net interest margin | 3.7933% | 3,907 |
| Noninterest income to average assets | 0.7982% | 2,062 |
| Noninterest expense to average assets | 3.6011% | 1,706 |
| Loan and lease loss provision to assets | 1.9360% | 287 |
| Net operating income to assets | -1.1630% | 6,942 |
| Return on assets (ROA) | -1.1630% | 6,965 |
| Pretax return on assets | -1.1630% | 6,926 |
| Return on Equity (ROE) | -6.9868% | 6,770 |
| Retained earnings to average equity (ytd only) | -6.9868% | 6,706 |
| Net charge-offs to loans | 4.7576% | 106 |
| Credit loss provision to net charge-offs | 102.4857% | 3,251 |
| Earnings coverage of net charge-offs (x) | 0.4092% | 5,311 |
| Efficiency ratio | 82.3287% | 1,926 |
| Assets per employee ($millions) | 5.2540% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 4,994 |
| Loan loss allowance to noncurrent loans | 180.7692% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 6,446 |
| Noncurrent loans to loans | 0.7208% | 5,433 |
| Net loans and leases to total assets | 33.8789% | 6,961 |
| Net loans and leases to deposits | 39.6403% | 6,984 |
| Net loans and leases to core deposits | 42.9006% | 6,955 |
| Total domestic deposits to total assets | 85.4658% | 3,520 |
| Equity capital to assets | 14.2035% | 1,083 |
| Core capital (leverage) ratio | 14.5574% | 758 |
| Tier 1 risk-based capital ratio | 29.5925% | 565 |
| Total risk-based capital ratio | 30.5244% | 571 |
| Memoranda: | ||
| Average total assets | $36,914,000 | 6,827 |
| Average earning assets | $34,797,500 | 6,784 |
| Average equity | $6,144,750 | 6,169 |
| Average total loans | $14,657,000 | 6,985 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 4,858 |
| Cost of funding earning assets | 0.6070% | 6,420 |
| Net interest margin | 4.0203% | 2,744 |
| Noninterest income to average assets | 0.8010% | 2,008 |
| Noninterest expense to average assets | 3.7548% | 1,439 |
| Loan and lease loss provision to assets | 2.7551% | 175 |
| Net operating income to assets | -1.9087% | 7,178 |
| Return on assets (ROA) | -1.9087% | 7,182 |
| Pretax return on assets | -1.9087% | 7,151 |
| Return on Equity (ROE) | -10.8335% | 6,963 |
| Retained earnings to average equity (ytd only) | -10.8335% | 6,909 |
| Net charge-offs to loans | 6.8959% | 56 |
| Credit loss provision to net charge-offs | 95.4724% | 3,291 |
| Earnings coverage of net charge-offs (x) | 0.2933% | 5,090 |
| Efficiency ratio | 81.6049% | 2,158 |
| Assets per employee ($millions) | 5.1011% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 6,153 |
| Loan loss allowance to noncurrent loans | 330.4348% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 6,772 |
| Noncurrent loans to loans | 0.3169% | 6,281 |
| Net loans and leases to total assets | 40.2263% | 6,728 |
| Net loans and leases to deposits | 48.4959% | 6,700 |
| Net loans and leases to core deposits | 53.0605% | 6,609 |
| Total domestic deposits to total assets | 82.9478% | 4,776 |
| Equity capital to assets | 16.6825% | 520 |
| Core capital (leverage) ratio | 16.9744% | 406 |
| Tier 1 risk-based capital ratio | 31.3592% | 481 |
| Total risk-based capital ratio | 32.1594% | 484 |
| Memoranda: | ||
| Average total assets | $35,208,000 | 6,947 |
| Average earning assets | $33,281,000 | 6,894 |
| Average equity | $6,203,000 | 6,174 |
| Average total loans | $14,733,330 | 7,049 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 3,943 |
| Cost of funding earning assets | 0.6074% | 6,586 |
| Net interest margin | 4.2156% | 1,853 |
| Noninterest income to average assets | 1.0412% | 1,215 |
| Noninterest expense to average assets | 3.6844% | 1,565 |
| Loan and lease loss provision to assets | 0.5721% | 1,508 |
| Net operating income to assets | 0.7552% | 3,246 |
| Return on assets (ROA) | 0.7552% | 3,310 |
| Pretax return on assets | 0.7552% | 4,077 |
| Return on Equity (ROE) | 4.1733% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.1733% | 3,662 |
| Net charge-offs to loans | 2.1021% | 600 |
| Credit loss provision to net charge-offs | 64.1026% | 3,466 |
| Earnings coverage of net charge-offs (x) | 1.4872% | 3,594 |
| Efficiency ratio | 73.5160% | 3,606 |
| Assets per employee ($millions) | 4.3360% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,442 |
| Loan loss allowance to noncurrent loans | 110.5263% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 6,245 |
| Noncurrent loans to loans | 0.8937% | 5,258 |
| Net loans and leases to total assets | 42.4787% | 6,578 |
| Net loans and leases to deposits | 52.2536% | 6,455 |
| Net loans and leases to core deposits | 57.3770% | 6,315 |
| Total domestic deposits to total assets | 81.2932% | 5,574 |
| Equity capital to assets | 18.3320% | 348 |
| Core capital (leverage) ratio | 18.1816% | 324 |
| Tier 1 risk-based capital ratio | 32.9039% | 406 |
| Total risk-based capital ratio | 33.6645% | 410 |
| Memoranda: | ||
| Average total assets | $34,958,000 | 7,008 |
| Average earning assets | $32,925,500 | 6,960 |
| Average equity | $6,326,000 | 6,147 |
| Average total loans | $14,842,000 | 7,102 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3526% | 2,883 |
| Cost of funding earning assets | 0.7927% | 6,598 |
| Net interest margin | 4.5598% | 1,109 |
| Noninterest income to average assets | 0.9944% | 1,522 |
| Noninterest expense to average assets | 3.8249% | 1,444 |
| Loan and lease loss provision to assets | 0.9512% | 1,709 |
| Net operating income to assets | 0.3084% | 4,910 |
| Return on assets (ROA) | 0.3084% | 5,078 |
| Pretax return on assets | 0.3632% | 5,049 |
| Return on Equity (ROE) | 1.7075% | 5,495 |
| Retained earnings to average equity (ytd only) | 1.7075% | 4,664 |
| Net charge-offs to loans | 1.8957% | 1,083 |
| Credit loss provision to net charge-offs | 112.6280% | 3,875 |
| Earnings coverage of net charge-offs (x) | 1.5563% | 4,576 |
| Efficiency ratio | 74.4251% | 3,314 |
| Assets per employee ($millions) | 4.4035% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,599 |
| Loan loss allowance to noncurrent loans | 149.5726% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 6,423 |
| Noncurrent loans to loans | 0.7904% | 5,458 |
| Net loans and leases to total assets | 41.5209% | 6,873 |
| Net loans and leases to deposits | 50.8253% | 6,811 |
| Net loans and leases to core deposits | 56.2037% | 6,681 |
| Total domestic deposits to total assets | 81.6935% | 5,295 |
| Equity capital to assets | 17.8636% | 385 |
| Core capital (leverage) ratio | 17.8789% | 335 |
| Tier 1 risk-based capital ratio | 35.2194% | 343 |
| Total risk-based capital ratio | 36.1988% | 343 |
| Memoranda: | ||
| Average total assets | $34,694,000 | 7,051 |
| Average earning assets | $31,536,200 | 7,035 |
| Average equity | $6,266,400 | 6,284 |
| Average total loans | $15,455,800 | 7,143 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5298% | 2,324 |
| Cost of funding earning assets | 0.8425% | 6,612 |
| Net interest margin | 4.6873% | 869 |
| Noninterest income to average assets | 0.6983% | 2,821 |
| Noninterest expense to average assets | 3.8540% | 1,274 |
| Loan and lease loss provision to assets | 0.3858% | 3,575 |
| Net operating income to assets | 0.6636% | 3,583 |
| Return on assets (ROA) | 0.6636% | 3,746 |
| Pretax return on assets | 0.6867% | 4,275 |
| Return on Equity (ROE) | 3.6636% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.6636% | 3,875 |
| Net charge-offs to loans | 0.5207% | 3,216 |
| Credit loss provision to net charge-offs | 163.9344% | 2,294 |
| Earnings coverage of net charge-offs (x) | 4.5575% | 2,998 |
| Efficiency ratio | 78.2302% | 2,593 |
| Assets per employee ($millions) | 4.0016% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 5,795 |
| Loan loss allowance to noncurrent loans | 52.0710% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 0.9385% | 5,220 |
| Noncurrent loans to loans | 2.1760% | 3,474 |
| Net loans and leases to total assets | 42.6418% | 6,935 |
| Net loans and leases to deposits | 52.0823% | 6,891 |
| Net loans and leases to core deposits | 55.0667% | 6,910 |
| Total domestic deposits to total assets | 81.8737% | 5,046 |
| Equity capital to assets | 17.6542% | 446 |
| Core capital (leverage) ratio | 17.3176% | 398 |
| Tier 1 risk-based capital ratio | 31.4115% | 453 |
| Total risk-based capital ratio | 32.2810% | 464 |
| Memoranda: | ||
| Average total assets | $34,560,500 | 7,141 |
| Average earning assets | $31,176,000 | 7,131 |
| Average equity | $6,259,750 | 6,374 |
| Average total loans | $15,619,250 | 7,227 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8375% | 1,325 |
| Cost of funding earning assets | 0.9343% | 6,448 |
| Net interest margin | 4.9033% | 533 |
| Noninterest income to average assets | 0.6691% | 2,901 |
| Noninterest expense to average assets | 3.8678% | 1,235 |
| Loan and lease loss provision to assets | 0.5869% | 2,431 |
| Net operating income to assets | 0.5224% | 4,227 |
| Return on assets (ROA) | 0.5224% | 4,388 |
| Pretax return on assets | 0.5576% | 4,709 |
| Return on Equity (ROE) | 2.8585% | 5,302 |
| Retained earnings to average equity (ytd only) | 2.8585% | 4,323 |
| Net charge-offs to loans | 0.7924% | 2,269 |
| Credit loss provision to net charge-offs | 161.2903% | 2,442 |
| Earnings coverage of net charge-offs (x) | 3.1452% | 3,431 |
| Efficiency ratio | 77.1663% | 2,864 |
| Assets per employee ($millions) | 3.8266% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 5,937 |
| Loan loss allowance to noncurrent loans | 128.6765% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 6,455 |
| Noncurrent loans to loans | 0.8544% | 5,554 |
| Net loans and leases to total assets | 45.7098% | 6,793 |
| Net loans and leases to deposits | 56.2355% | 6,708 |
| Net loans and leases to core deposits | 61.1815% | 6,624 |
| Total domestic deposits to total assets | 81.2828% | 5,297 |
| Equity capital to assets | 18.2206% | 394 |
| Core capital (leverage) ratio | 18.2270% | 341 |
| Tier 1 risk-based capital ratio | 31.0060% | 458 |
| Total risk-based capital ratio | 31.8707% | 470 |
| Memoranda: | ||
| Average total assets | $34,076,000 | 7,211 |
| Average earning assets | $30,184,000 | 7,222 |
| Average equity | $6,227,000 | 6,395 |
| Average total loans | $15,648,000 | 7,277 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0360% | 910 |
| Cost of funding earning assets | 0.9835% | 6,447 |
| Net interest margin | 5.0525% | 376 |
| Noninterest income to average assets | 0.6727% | 2,794 |
| Noninterest expense to average assets | 3.8472% | 1,250 |
| Loan and lease loss provision to assets | 0.7671% | 1,653 |
| Net operating income to assets | 0.4130% | 4,780 |
| Return on assets (ROA) | 0.4130% | 4,923 |
| Pretax return on assets | 0.4839% | 5,021 |
| Return on Equity (ROE) | 2.2570% | 5,649 |
| Retained earnings to average equity (ytd only) | 2.2570% | 4,778 |
| Net charge-offs to loans | 1.2892% | 1,328 |
| Credit loss provision to net charge-offs | 130.0000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 2.1200% | 3,476 |
| Efficiency ratio | 75.4630% | 3,309 |
| Assets per employee ($millions) | 3.7434% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 6,536 |
| Loan loss allowance to noncurrent loans | 105.5172% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 6,392 |
| Noncurrent loans to loans | 0.9345% | 5,449 |
| Net loans and leases to total assets | 45.6027% | 6,860 |
| Net loans and leases to deposits | 56.2763% | 6,754 |
| Net loans and leases to core deposits | 60.6625% | 6,697 |
| Total domestic deposits to total assets | 81.0335% | 5,449 |
| Equity capital to assets | 18.4649% | 379 |
| Core capital (leverage) ratio | 17.7272% | 384 |
| Tier 1 risk-based capital ratio | 31.5883% | 449 |
| Total risk-based capital ratio | 32.3652% | 462 |
| Memoranda: | ||
| Average total assets | $33,894,500 | 7,313 |
| Average earning assets | $29,688,500 | 7,334 |
| Average equity | $6,203,000 | 6,453 |
| Average total loans | $15,513,500 | 7,379 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9417% | 2,080 |
| Cost of funding earning assets | 1.1877% | 6,696 |
| Net interest margin | 4.7540% | 756 |
| Noninterest income to average assets | 0.7573% | 2,632 |
| Noninterest expense to average assets | 3.9687% | 1,405 |
| Loan and lease loss provision to assets | 0.6252% | 3,305 |
| Net operating income to assets | 0.2818% | 4,601 |
| Return on assets (ROA) | 0.2818% | 4,694 |
| Pretax return on assets | 0.4051% | 4,484 |
| Return on Equity (ROE) | 1.5485% | 5,066 |
| Retained earnings to average equity (ytd only) | 1.5485% | 3,992 |
| Net charge-offs to loans | 2.2262% | 1,064 |
| Credit loss provision to net charge-offs | 63.7725% | 6,586 |
| Earnings coverage of net charge-offs (x) | 1.0509% | 5,063 |
| Efficiency ratio | 79.3893% | 2,974 |
| Assets per employee ($millions) | 4.2623% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 6,861 |
| Loan loss allowance to noncurrent loans | 107.8125% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 6,510 |
| Noncurrent loans to loans | 0.8253% | 5,640 |
| Net loans and leases to total assets | 45.0818% | 7,047 |
| Net loans and leases to deposits | 55.4046% | 6,960 |
| Net loans and leases to core deposits | 80.3093% | 6,062 |
| Total domestic deposits to total assets | 81.3684% | 5,206 |
| Equity capital to assets | 18.1389% | 435 |
| Core capital (leverage) ratio | 17.6005% | 431 |
| Tier 1 risk-based capital ratio | 30.9389% | 478 |
| Total risk-based capital ratio | 31.6292% | 490 |
| Memoranda: | ||
| Average total assets | $34,067,000 | 7,321 |
| Average earning assets | $30,395,200 | 7,341 |
| Average equity | $6,199,600 | 6,534 |
| Average total loans | $15,003,000 | 7,458 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8674% | 2,593 |
| Cost of funding earning assets | 1.1812% | 6,941 |
| Net interest margin | 4.6862% | 855 |
| Noninterest income to average assets | 0.7790% | 2,556 |
| Noninterest expense to average assets | 3.9264% | 1,387 |
| Loan and lease loss provision to assets | 0.1488% | 5,867 |
| Net operating income to assets | 0.8143% | 2,746 |
| Return on assets (ROA) | 0.8143% | 2,811 |
| Pretax return on assets | 0.9904% | 2,937 |
| Return on Equity (ROE) | 4.4707% | 4,174 |
| Retained earnings to average equity (ytd only) | 4.4707% | 2,775 |
| Net charge-offs to loans | 1.1562% | 1,750 |
| Credit loss provision to net charge-offs | 29.4574% | 6,513 |
| Earnings coverage of net charge-offs (x) | 2.2558% | 4,131 |
| Efficiency ratio | 77.5116% | 3,236 |
| Assets per employee ($millions) | 4.3484% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 5,660 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7589% | 5,608 |
| Noncurrent loans to loans | 1.7453% | 4,004 |
| Net loans and leases to total assets | 42.9988% | 7,313 |
| Net loans and leases to deposits | 52.7414% | 7,273 |
| Net loans and leases to core deposits | 73.5869% | 6,751 |
| Total domestic deposits to total assets | 81.5276% | 4,864 |
| Equity capital to assets | 18.1045% | 507 |
| Core capital (leverage) ratio | 18.8766% | 387 |
| Tier 1 risk-based capital ratio | 31.8660% | 477 |
| Total risk-based capital ratio | 32.7160% | 481 |
| Memoranda: | ||
| Average total assets | $34,059,250 | 7,384 |
| Average earning assets | $31,154,500 | 7,365 |
| Average equity | $6,203,250 | 6,595 |
| Average total loans | $14,876,250 | 7,531 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7895% | 3,098 |
| Cost of funding earning assets | 1.1993% | 7,106 |
| Net interest margin | 4.5902% | 975 |
| Noninterest income to average assets | 0.7748% | 2,554 |
| Noninterest expense to average assets | 3.9862% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8398% | 2,701 |
| Return on assets (ROA) | 0.8398% | 2,798 |
| Pretax return on assets | 1.1119% | 2,596 |
| Return on Equity (ROE) | 4.6017% | 4,253 |
| Retained earnings to average equity (ytd only) | 4.6017% | 2,730 |
| Net charge-offs to loans | 0.6895% | 2,325 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 3.6863% | 3,340 |
| Efficiency ratio | 78.1903% | 3,316 |
| Assets per employee ($millions) | 3.6083% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 3,969 |
| Loan loss allowance to noncurrent loans | 152.9412% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4188% | 6,421 |
| Noncurrent loans to loans | 0.8841% | 5,445 |
| Net loans and leases to total assets | 46.7283% | 7,145 |
| Net loans and leases to deposits | 58.1529% | 7,013 |
| Net loans and leases to core deposits | 82.1202% | 6,227 |
| Total domestic deposits to total assets | 80.3541% | 5,333 |
| Equity capital to assets | 19.1901% | 442 |
| Core capital (leverage) ratio | 18.9561% | 424 |
| Tier 1 risk-based capital ratio | 31.2037% | 527 |
| Total risk-based capital ratio | 32.2451% | 530 |
| Memoranda: | ||
| Average total assets | $33,816,670 | 7,455 |
| Average earning assets | $31,850,670 | 7,408 |
| Average equity | $6,171,670 | 6,655 |
| Average total loans | $14,793,000 | 7,602 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7779% | 3,411 |
| Cost of funding earning assets | 1.2443% | 7,187 |
| Net interest margin | 4.5336% | 1,060 |
| Noninterest income to average assets | 0.7655% | 2,502 |
| Noninterest expense to average assets | 3.5839% | 1,899 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1946% | 1,670 |
| Return on assets (ROA) | 1.1946% | 1,784 |
| Pretax return on assets | 1.4498% | 1,814 |
| Return on Equity (ROE) | 6.7085% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.7085% | 2,326 |
| Net charge-offs to loans | 0.5242% | 2,144 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 6.5789% | 2,480 |
| Efficiency ratio | 71.1982% | 4,324 |
| Assets per employee ($millions) | 3.4806% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 2,360 |
| Loan loss allowance to noncurrent loans | 88.8889% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.7757% | 5,230 |
| Noncurrent loans to loans | 1.8436% | 3,501 |
| Net loans and leases to total assets | 41.3865% | 7,504 |
| Net loans and leases to deposits | 50.4500% | 7,473 |
| Net loans and leases to core deposits | 69.2382% | 7,067 |
| Total domestic deposits to total assets | 82.0347% | 4,535 |
| Equity capital to assets | 17.7929% | 630 |
| Core capital (leverage) ratio | 17.7526% | 583 |
| Tier 1 risk-based capital ratio | 31.6907% | 547 |
| Total risk-based capital ratio | 32.9188% | 536 |
| Memoranda: | ||
| Average total assets | $34,487,500 | 7,470 |
| Average earning assets | $32,468,500 | 7,421 |
| Average equity | $6,141,500 | 6,713 |
| Average total loans | $14,498,000 | 7,662 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2502% | 4,237 |
| Cost of funding earning assets | 1.4299% | 7,707 |
| Net interest margin | 4.8203% | 747 |
| Noninterest income to average assets | 0.8191% | 2,407 |
| Noninterest expense to average assets | 3.9641% | 1,471 |
| Loan and lease loss provision to assets | 0.1755% | 5,147 |
| Net operating income to assets | 0.6816% | 3,975 |
| Return on assets (ROA) | 0.6816% | 3,813 |
| Pretax return on assets | 1.1175% | 2,967 |
| Return on Equity (ROE) | 3.8472% | 4,880 |
| Retained earnings to average equity (ytd only) | 2.1795% | 3,867 |
| Net charge-offs to loans | 0.4650% | 2,503 |
| Credit loss provision to net charge-offs | 96.7742% | 5,488 |
| Earnings coverage of net charge-offs (x) | 7.1290% | 3,181 |
| Efficiency ratio | 75.4035% | 3,341 |
| Assets per employee ($millions) | 3.4169% | 4,893 |
| Cash dividends to net income (ytd only)* | 43.3476% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 1,622 |
| Loan loss allowance to noncurrent loans | 112.6087% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 5,203 |
| Noncurrent loans to loans | 1.6027% | 3,366 |
| Net loans and leases to total assets | 41.2421% | 7,618 |
| Net loans and leases to deposits | 50.4800% | 7,607 |
| Net loans and leases to core deposits | 67.6394% | 7,304 |
| Total domestic deposits to total assets | 81.6998% | 4,320 |
| Equity capital to assets | 17.8232% | 672 |
| Core capital (leverage) ratio | 17.3559% | 665 |
| Tier 1 risk-based capital ratio | 32.6367% | 522 |
| Total risk-based capital ratio | 33.8907% | 510 |
| Memoranda: | ||
| Average total assets | $34,182,000 | 7,453 |
| Average earning assets | $31,471,200 | 7,438 |
| Average equity | $6,056,400 | 6,783 |
| Average total loans | $13,332,200 | 7,749 |