Home > Guardian Savings Bank > Performance and Condition Ratios
Guardian Savings 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 | 3.4538% | 4,409 |
| Cost of funding earning assets | 1.2031% | 2,792 |
| Net interest margin | 2.2507% | 4,286 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 3.0974% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.6597% | 4,516 |
| Return on assets (ROA) | -0.6597% | 4,504 |
| Pretax return on assets | -0.6597% | 4,493 |
| Return on Equity (ROE) | -3.8100% | 4,455 |
| Retained earnings to average equity (ytd only) | -3.8073% | 4,362 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 127.0603% | 68 |
| Assets per employee ($millions) | 4.4886% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4605% | 4,362 |
| Loan loss allowance to noncurrent loans | 255.5556% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 1,364 |
| Noncurrent loans to loans | 0.1802% | 2,613 |
| Net loans and leases to total assets | 47.4700% | 3,758 |
| Net loans and leases to deposits | 58.6143% | 3,603 |
| Net loans and leases to core deposits | 62.3693% | 3,662 |
| Total domestic deposits to total assets | 80.9900% | 3,306 |
| Equity capital to assets | 18.0490% | 344 |
| Core capital (leverage) ratio | 22.4033% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $33,351,000 | 4,445 |
| Average earning assets | $31,501,800 | 4,407 |
| Average equity | $5,778,400 | 4,183 |
| Average total loans | $14,687,200 | 4,356 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 4,450 |
| Cost of funding earning assets | 1.1196% | 2,688 |
| Net interest margin | 2.1976% | 4,355 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.9161% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.5281% | 4,539 |
| Return on assets (ROA) | -0.5281% | 4,525 |
| Pretax return on assets | -0.5281% | 4,517 |
| Return on Equity (ROE) | -3.0800% | 4,474 |
| Retained earnings to average equity (ytd only) | -3.0776% | 4,366 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 122.1122% | 72 |
| Assets per employee ($millions) | 4.0383% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4675% | 4,373 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 2,602 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 45.4700% | 3,854 |
| Net loans and leases to deposits | 55.3446% | 3,739 |
| Net loans and leases to core deposits | 58.6903% | 3,757 |
| Total domestic deposits to total assets | 82.1600% | 3,183 |
| Equity capital to assets | 16.9195% | 402 |
| Core capital (leverage) ratio | 20.7203% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $33,833,750 | 4,462 |
| Average earning assets | $32,034,750 | 4,425 |
| Average equity | $5,805,250 | 4,188 |
| Average total loans | $14,613,000 | 4,376 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2654% | 4,473 |
| Cost of funding earning assets | 1.0354% | 2,493 |
| Net interest margin | 2.2300% | 4,400 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.6847% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.2679% | 4,545 |
| Return on assets (ROA) | -0.2679% | 4,533 |
| Pretax return on assets | -0.2679% | 4,526 |
| Return on Equity (ROE) | -1.5500% | 4,488 |
| Retained earnings to average equity (ytd only) | -1.5545% | 4,259 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 111.0843% | 97 |
| Assets per employee ($millions) | 4.1075% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4779% | 4,396 |
| Loan loss allowance to noncurrent loans | 125.4545% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 1,680 |
| Noncurrent loans to loans | 0.3810% | 1,783 |
| Net loans and leases to total assets | 43.7200% | 3,892 |
| Net loans and leases to deposits | 53.7182% | 3,763 |
| Net loans and leases to core deposits | 56.3539% | 3,801 |
| Total domestic deposits to total assets | 81.4000% | 3,360 |
| Equity capital to assets | 17.9397% | 343 |
| Core capital (leverage) ratio | 20.2491% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $34,343,000 | 4,485 |
| Average earning assets | $32,645,333 | 4,447 |
| Average equity | $5,918,333 | 4,200 |
| Average total loans | $14,564,667 | 4,398 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1272% | 4,518 |
| Cost of funding earning assets | 0.8867% | 2,413 |
| Net interest margin | 2.2406% | 4,478 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.4740% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.0456% | 4,512 |
| Return on assets (ROA) | -0.0456% | 4,495 |
| Pretax return on assets | -0.0456% | 4,481 |
| Return on Equity (ROE) | -0.2700% | 4,460 |
| Retained earnings to average equity (ytd only) | -0.2698% | 4,059 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 101.8779% | 154 |
| Assets per employee ($millions) | 4.4194% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4758% | 4,453 |
| Loan loss allowance to noncurrent loans | 55.2000% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 1,451 |
| Noncurrent loans to loans | 0.8620% | 880 |
| Net loans and leases to total assets | 40.8200% | 4,011 |
| Net loans and leases to deposits | 52.9263% | 3,743 |
| Net loans and leases to core deposits | 55.4412% | 3,772 |
| Total domestic deposits to total assets | 77.1300% | 4,074 |
| Equity capital to assets | 16.9226% | 348 |
| Core capital (leverage) ratio | 19.9584% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $35,084,500 | 4,539 |
| Average earning assets | $33,384,000 | 4,506 |
| Average equity | $5,930,000 | 4,250 |
| Average total loans | $14,628,500 | 4,460 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8302% | 4,298 |
| Cost of funding earning assets | 0.3789% | 2,268 |
| Net interest margin | 2.4513% | 4,322 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.6976% | 1,565 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.1044% | 4,505 |
| Return on assets (ROA) | 0.2829% | 4,353 |
| Pretax return on assets | 0.1291% | 4,489 |
| Return on Equity (ROE) | 1.6400% | 4,419 |
| Retained earnings to average equity (ytd only) | 1.6436% | 4,062 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 102.2917% | 134 |
| Assets per employee ($millions) | 4.3518% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4676% | 4,468 |
| Loan loss allowance to noncurrent loans | 38.3333% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 983 |
| Noncurrent loans to loans | 1.2199% | 574 |
| Net loans and leases to total assets | 42.1800% | 3,968 |
| Net loans and leases to deposits | 56.8586% | 3,523 |
| Net loans and leases to core deposits | 59.6943% | 3,525 |
| Total domestic deposits to total assets | 74.1900% | 4,346 |
| Equity capital to assets | 16.8811% | 340 |
| Core capital (leverage) ratio | 19.9745% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $36,402,600 | 4,563 |
| Average earning assets | $34,838,800 | 4,525 |
| Average equity | $6,266,800 | 4,300 |
| Average total loans | $14,792,600 | 4,485 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7737% | 4,219 |
| Cost of funding earning assets | 0.3363% | 1,809 |
| Net interest margin | 2.4374% | 4,280 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.5833% | 1,756 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.0580% | 4,566 |
| Return on assets (ROA) | 0.2935% | 4,347 |
| Pretax return on assets | 0.2898% | 4,386 |
| Return on Equity (ROE) | 1.7000% | 4,425 |
| Retained earnings to average equity (ytd only) | 1.6969% | 4,085 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 98.4807% | 174 |
| Assets per employee ($millions) | 4.9084% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4680% | 4,505 |
| Loan loss allowance to noncurrent loans | 46.0000% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 1,250 |
| Noncurrent loans to loans | 1.0173% | 749 |
| Net loans and leases to total assets | 42.7100% | 3,957 |
| Net loans and leases to deposits | 55.5593% | 3,513 |
| Net loans and leases to core deposits | 57.3528% | 3,541 |
| Total domestic deposits to total assets | 76.8800% | 4,327 |
| Equity capital to assets | 17.0581% | 320 |
| Core capital (leverage) ratio | 19.2775% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $36,799,750 | 4,593 |
| Average earning assets | $35,282,750 | 4,558 |
| Average equity | $6,364,250 | 4,331 |
| Average total loans | $14,802,000 | 4,517 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6949% | 4,149 |
| Cost of funding earning assets | 0.3043% | 1,684 |
| Net interest margin | 2.3905% | 4,238 |
| Noninterest income to average assets | 0.6221% | 1,643 |
| Noninterest expense to average assets | 2.5151% | 1,884 |
| Loan and lease loss provision to assets | -0.0213% | 4,435 |
| Net operating income to assets | 0.4254% | 4,066 |
| Return on assets (ROA) | 0.4254% | 4,015 |
| Pretax return on assets | 0.4254% | 4,119 |
| Return on Equity (ROE) | 2.4495% | 4,303 |
| Retained earnings to average equity (ytd only) | 2.4495% | 3,630 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1566% | 574 |
| Assets per employee ($millions) | 5.5001% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4656% | 4,579 |
| Loan loss allowance to noncurrent loans | 40.3509% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 1,277 |
| Noncurrent loans to loans | 1.1539% | 700 |
| Net loans and leases to total assets | 38.3107% | 4,156 |
| Net loans and leases to deposits | 53.2395% | 3,588 |
| Net loans and leases to core deposits | 54.8756% | 3,645 |
| Total domestic deposits to total assets | 71.9592% | 4,584 |
| Equity capital to assets | 16.1295% | 326 |
| Core capital (leverage) ratio | 18.5213% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,613,333 | 4,625 |
| Average earning assets | $36,143,000 | 4,611 |
| Average equity | $6,532,000 | 4,362 |
| Average total loans | $14,821,000 | 4,582 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5225% | 4,238 |
| Cost of funding earning assets | 0.2915% | 1,735 |
| Net interest margin | 2.2310% | 4,311 |
| Noninterest income to average assets | 0.9793% | 706 |
| Noninterest expense to average assets | 2.5505% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5704% | 3,495 |
| Return on assets (ROA) | 0.5704% | 3,470 |
| Pretax return on assets | 0.5704% | 3,706 |
| Return on Equity (ROE) | 3.1675% | 4,054 |
| Retained earnings to average equity (ytd only) | 3.1675% | 3,204 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7241% | 1,004 |
| Assets per employee ($millions) | 4.8110% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4965% | 4,589 |
| Loan loss allowance to noncurrent loans | 41.7143% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 1,342 |
| Noncurrent loans to loans | 1.1903% | 748 |
| Net loans and leases to total assets | 38.0092% | 4,117 |
| Net loans and leases to deposits | 50.8216% | 3,658 |
| Net loans and leases to core deposits | 52.7951% | 3,681 |
| Total domestic deposits to total assets | 74.7895% | 4,549 |
| Equity capital to assets | 17.3742% | 254 |
| Core capital (leverage) ratio | 22.9522% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,169,500 | 4,654 |
| Average earning assets | $35,678,500 | 4,633 |
| Average equity | $6,693,000 | 4,391 |
| Average total loans | $14,822,000 | 4,603 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7418% | 4,268 |
| Cost of funding earning assets | 0.3913% | 1,607 |
| Net interest margin | 2.3505% | 4,368 |
| Noninterest income to average assets | 0.2446% | 3,910 |
| Noninterest expense to average assets | 2.6873% | 1,666 |
| Loan and lease loss provision to assets | 0.0110% | 2,863 |
| Net operating income to assets | -0.1923% | 4,721 |
| Return on assets (ROA) | -0.1923% | 4,727 |
| Pretax return on assets | -0.1923% | 4,728 |
| Return on Equity (ROE) | -1.0381% | 4,719 |
| Retained earnings to average equity (ytd only) | -1.0381% | 4,581 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2368% | 109 |
| Assets per employee ($millions) | 3.9834% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4886% | 4,634 |
| Loan loss allowance to noncurrent loans | 46.4968% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 1,502 |
| Noncurrent loans to loans | 1.0507% | 932 |
| Net loans and leases to total assets | 41.4744% | 4,002 |
| Net loans and leases to deposits | 51.8590% | 3,747 |
| Net loans and leases to core deposits | 53.8790% | 3,758 |
| Total domestic deposits to total assets | 79.9755% | 4,227 |
| Equity capital to assets | 18.6857% | 231 |
| Core capital (leverage) ratio | 18.4109% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,392,800 | 4,693 |
| Average earning assets | $35,014,000 | 4,667 |
| Average equity | $6,743,000 | 4,453 |
| Average total loans | $15,378,000 | 4,643 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8158% | 4,283 |
| Cost of funding earning assets | 0.4136% | 1,599 |
| Net interest margin | 2.4022% | 4,392 |
| Noninterest income to average assets | 0.2373% | 3,982 |
| Noninterest expense to average assets | 2.6791% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.1314% | 4,780 |
| Return on assets (ROA) | -0.1314% | 4,789 |
| Pretax return on assets | -0.1314% | 4,786 |
| Return on Equity (ROE) | -0.7107% | 4,779 |
| Retained earnings to average equity (ytd only) | -0.7107% | 4,637 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1576% | 124 |
| Assets per employee ($millions) | 4.0610% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4564% | 4,738 |
| Loan loss allowance to noncurrent loans | 58.9744% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 2,174 |
| Noncurrent loans to loans | 0.7740% | 1,460 |
| Net loans and leases to total assets | 41.1721% | 4,136 |
| Net loans and leases to deposits | 51.4954% | 3,917 |
| Net loans and leases to core deposits | 52.9878% | 3,983 |
| Total domestic deposits to total assets | 79.9529% | 4,232 |
| Equity capital to assets | 18.4218% | 254 |
| Core capital (leverage) ratio | 18.2432% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,528,250 | 4,765 |
| Average earning assets | $35,134,250 | 4,737 |
| Average equity | $6,754,000 | 4,514 |
| Average total loans | $15,487,000 | 4,709 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8894% | 4,236 |
| Cost of funding earning assets | 0.4502% | 1,518 |
| Net interest margin | 2.4391% | 4,382 |
| Noninterest income to average assets | 0.2245% | 4,057 |
| Noninterest expense to average assets | 2.6834% | 1,633 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.1150% | 4,807 |
| Return on assets (ROA) | -0.1150% | 4,812 |
| Pretax return on assets | -0.1150% | 4,805 |
| Return on Equity (ROE) | -0.6212% | 4,806 |
| Retained earnings to average equity (ytd only) | -0.6212% | 4,575 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4776% | 129 |
| Assets per employee ($millions) | 4.5729% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4515% | 4,772 |
| Loan loss allowance to noncurrent loans | 104.5455% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 3,062 |
| Noncurrent loans to loans | 0.4319% | 2,384 |
| Net loans and leases to total assets | 41.5876% | 4,208 |
| Net loans and leases to deposits | 52.0528% | 3,990 |
| Net loans and leases to core deposits | 53.5610% | 4,044 |
| Total domestic deposits to total assets | 79.8950% | 4,248 |
| Equity capital to assets | 18.4512% | 251 |
| Core capital (leverage) ratio | 18.5109% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,521,333 | 4,794 |
| Average earning assets | $35,094,333 | 4,766 |
| Average equity | $6,761,000 | 4,534 |
| Average total loans | $15,610,333 | 4,740 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0806% | 3,928 |
| Cost of funding earning assets | 0.4906% | 1,449 |
| Net interest margin | 2.5900% | 4,168 |
| Noninterest income to average assets | 0.1973% | 4,205 |
| Noninterest expense to average assets | 2.7514% | 1,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0658% | 4,798 |
| Return on assets (ROA) | -0.0658% | 4,802 |
| Pretax return on assets | -0.0658% | 4,802 |
| Return on Equity (ROE) | -0.3547% | 4,793 |
| Retained earnings to average equity (ytd only) | -0.3547% | 4,395 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4490% | 169 |
| Assets per employee ($millions) | 4.5550% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4314% | 4,811 |
| Loan loss allowance to noncurrent loans | 102.9851% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 3,245 |
| Noncurrent loans to loans | 0.4189% | 2,599 |
| Net loans and leases to total assets | 43.7047% | 4,133 |
| Net loans and leases to deposits | 55.0235% | 3,866 |
| Net loans and leases to core deposits | 57.1582% | 3,896 |
| Total domestic deposits to total assets | 79.4292% | 4,276 |
| Equity capital to assets | 18.5620% | 240 |
| Core capital (leverage) ratio | 18.4819% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,490,500 | 4,817 |
| Average earning assets | $35,058,500 | 4,786 |
| Average equity | $6,766,500 | 4,548 |
| Average total loans | $15,774,000 | 4,766 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9560% | 4,666 |
| Cost of funding earning assets | 0.6606% | 1,929 |
| Net interest margin | 2.2953% | 4,722 |
| Noninterest income to average assets | 0.1934% | 4,319 |
| Noninterest expense to average assets | 2.5933% | 2,569 |
| Loan and lease loss provision to assets | 0.0409% | 3,889 |
| Net operating income to assets | -0.2261% | 4,824 |
| Return on assets (ROA) | -0.2261% | 4,839 |
| Pretax return on assets | -0.2261% | 4,828 |
| Return on Equity (ROE) | -1.1708% | 4,821 |
| Retained earnings to average equity (ytd only) | -1.1708% | 4,650 |
| Net charge-offs to loans | 0.0070% | 3,091 |
| Credit loss provision to net charge-offs | 1,500.0000% | 551 |
| Earnings coverage of net charge-offs (x) | -68.0000% | 3,432 |
| Efficiency ratio | 107.6923% | 127 |
| Assets per employee ($millions) | 4.5676% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4436% | 4,828 |
| Loan loss allowance to noncurrent loans | 64.4860% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 2,823 |
| Noncurrent loans to loans | 0.6880% | 1,968 |
| Net loans and leases to total assets | 42.3743% | 4,329 |
| Net loans and leases to deposits | 55.4525% | 4,031 |
| Net loans and leases to core deposits | 57.1260% | 4,086 |
| Total domestic deposits to total assets | 76.4155% | 4,477 |
| Equity capital to assets | 18.5244% | 244 |
| Core capital (leverage) ratio | 18.4648% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,710,200 | 4,810 |
| Average earning assets | $35,419,800 | 4,774 |
| Average equity | $7,089,400 | 4,515 |
| Average total loans | $14,282,200 | 4,818 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0312% | 4,715 |
| Cost of funding earning assets | 0.6949% | 2,052 |
| Net interest margin | 2.3363% | 4,761 |
| Noninterest income to average assets | 0.1850% | 4,364 |
| Noninterest expense to average assets | 2.3327% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1088% | 4,692 |
| Return on assets (ROA) | 0.1088% | 4,718 |
| Pretax return on assets | 0.1088% | 4,723 |
| Return on Equity (ROE) | 0.5579% | 4,746 |
| Retained earnings to average equity (ytd only) | 0.5579% | 4,373 |
| Net charge-offs to loans | 0.0191% | 2,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,122 |
| Efficiency ratio | 95.5423% | 235 |
| Assets per employee ($millions) | 5.3097% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3478% | 4,913 |
| Loan loss allowance to noncurrent loans | 77.9412% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 3,513 |
| Noncurrent loans to loans | 0.4463% | 2,713 |
| Net loans and leases to total assets | 40.8523% | 4,536 |
| Net loans and leases to deposits | 56.1414% | 4,251 |
| Net loans and leases to core deposits | 58.1317% | 4,298 |
| Total domestic deposits to total assets | 72.7669% | 4,653 |
| Equity capital to assets | 18.5186% | 268 |
| Core capital (leverage) ratio | 18.0037% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,752,500 | 4,834 |
| Average earning assets | $35,497,000 | 4,799 |
| Average equity | $7,169,500 | 4,528 |
| Average total loans | $13,964,500 | 4,855 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0399% | 4,821 |
| Cost of funding earning assets | 0.7303% | 2,234 |
| Net interest margin | 2.3097% | 4,834 |
| Noninterest income to average assets | 0.1803% | 4,383 |
| Noninterest expense to average assets | 2.7203% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.3114% | 4,880 |
| Return on assets (ROA) | -0.3114% | 4,879 |
| Pretax return on assets | -0.3114% | 4,868 |
| Return on Equity (ROE) | -1.5692% | 4,863 |
| Retained earnings to average equity (ytd only) | -1.5692% | 4,546 |
| Net charge-offs to loans | 0.0295% | 2,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -28.5000% | 3,006 |
| Efficiency ratio | 112.9252% | 107 |
| Assets per employee ($millions) | 5.5261% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3397% | 4,938 |
| Loan loss allowance to noncurrent loans | 77.9412% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 3,656 |
| Noncurrent loans to loans | 0.4358% | 2,859 |
| Net loans and leases to total assets | 40.2011% | 4,598 |
| Net loans and leases to deposits | 56.9133% | 4,265 |
| Net loans and leases to core deposits | 58.9053% | 4,312 |
| Total domestic deposits to total assets | 70.6357% | 4,767 |
| Equity capital to assets | 18.7292% | 249 |
| Core capital (leverage) ratio | 19.4968% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,614,000 | 4,857 |
| Average earning assets | $35,330,000 | 4,828 |
| Average equity | $7,265,000 | 4,545 |
| Average total loans | $13,540,333 | 4,894 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2016% | 4,867 |
| Cost of funding earning assets | 0.7800% | 2,498 |
| Net interest margin | 2.4216% | 4,864 |
| Noninterest income to average assets | 0.1911% | 4,410 |
| Noninterest expense to average assets | 3.1366% | 1,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.6071% | 4,947 |
| Return on assets (ROA) | -0.6071% | 4,921 |
| Pretax return on assets | -0.6071% | 4,903 |
| Return on Equity (ROE) | -2.9691% | 4,870 |
| Retained earnings to average equity (ytd only) | -2.9691% | 4,351 |
| Net charge-offs to loans | 0.0640% | 1,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -27.0000% | 2,548 |
| Efficiency ratio | 124.0000% | 96 |
| Assets per employee ($millions) | 5.0357% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4247% | 4,932 |
| Loan loss allowance to noncurrent loans | 67.9487% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 3,583 |
| Noncurrent loans to loans | 0.6250% | 2,428 |
| Net loans and leases to total assets | 35.2539% | 4,808 |
| Net loans and leases to deposits | 45.9851% | 4,724 |
| Net loans and leases to core deposits | 47.6130% | 4,739 |
| Total domestic deposits to total assets | 76.6638% | 4,403 |
| Equity capital to assets | 20.5617% | 220 |
| Core capital (leverage) ratio | 20.6649% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,579,500 | 4,903 |
| Average earning assets | $34,358,000 | 4,873 |
| Average equity | $7,275,000 | 4,578 |
| Average total loans | $12,508,500 | 4,952 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0867% | 5,034 |
| Cost of funding earning assets | 0.8881% | 2,241 |
| Net interest margin | 2.1986% | 5,054 |
| Noninterest income to average assets | 0.1901% | 4,527 |
| Noninterest expense to average assets | 3.7323% | 731 |
| Loan and lease loss provision to assets | 0.0521% | 2,984 |
| Net operating income to assets | -1.5028% | 5,119 |
| Return on assets (ROA) | -1.5028% | 5,122 |
| Pretax return on assets | -1.4663% | 5,118 |
| Return on Equity (ROE) | -7.6424% | 5,106 |
| Retained earnings to average equity (ytd only) | -7.6424% | 5,039 |
| Net charge-offs to loans | 0.0161% | 3,141 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | -271.5000% | 3,717 |
| Efficiency ratio | 161.0112% | 36 |
| Assets per employee ($millions) | 4.4886% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4387% | 4,959 |
| Loan loss allowance to noncurrent loans | 50.4587% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 3,217 |
| Noncurrent loans to loans | 0.8694% | 1,767 |
| Net loans and leases to total assets | 34.7601% | 4,884 |
| Net loans and leases to deposits | 46.1493% | 4,784 |
| Net loans and leases to core deposits | 47.7743% | 4,797 |
| Total domestic deposits to total assets | 75.3210% | 4,672 |
| Equity capital to assets | 20.3347% | 240 |
| Core capital (leverage) ratio | 19.9269% | 242 |
| Tier 1 risk-based capital ratio | 91.8375% | 48 |
| Total risk-based capital ratio | 92.5292% | 48 |
| Memoranda: | ||
| Average total assets | $38,395,000 | 4,921 |
| Average earning assets | $37,159,200 | 4,877 |
| Average equity | $7,550,000 | 4,561 |
| Average total loans | $12,444,000 | 5,021 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0952% | 5,128 |
| Cost of funding earning assets | 0.9141% | 2,163 |
| Net interest margin | 2.1811% | 5,152 |
| Noninterest income to average assets | 0.1914% | 4,572 |
| Noninterest expense to average assets | 4.0666% | 493 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -1.8112% | 5,205 |
| Return on assets (ROA) | -1.8112% | 5,205 |
| Pretax return on assets | -1.7633% | 5,199 |
| Return on Equity (ROE) | -9.2834% | 5,196 |
| Retained earnings to average equity (ytd only) | -9.2834% | 5,138 |
| Net charge-offs to loans | 0.0215% | 2,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -257.6704% | 3,449 |
| Efficiency ratio | 176.5579% | 29 |
| Assets per employee ($millions) | 4.6706% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2747% | 5,130 |
| Loan loss allowance to noncurrent loans | 53.0303% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 3,867 |
| Noncurrent loans to loans | 0.5181% | 2,736 |
| Net loans and leases to total assets | 33.9997% | 4,990 |
| Net loans and leases to deposits | 46.1930% | 4,869 |
| Net loans and leases to core deposits | 48.2455% | 4,873 |
| Total domestic deposits to total assets | 73.6036% | 4,831 |
| Equity capital to assets | 19.6681% | 274 |
| Core capital (leverage) ratio | 19.3864% | 272 |
| Tier 1 risk-based capital ratio | 90.2493% | 47 |
| Total risk-based capital ratio | 90.6791% | 48 |
| Memoranda: | ||
| Average total assets | $39,016,500 | 4,982 |
| Average earning assets | $37,777,500 | 4,938 |
| Average equity | $7,612,000 | 4,609 |
| Average total loans | $12,420,750 | 5,102 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0833% | 5,192 |
| Cost of funding earning assets | 0.9339% | 1,983 |
| Net interest margin | 2.1494% | 5,224 |
| Noninterest income to average assets | 0.1820% | 4,655 |
| Noninterest expense to average assets | 4.8424% | 238 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -2.6487% | 5,267 |
| Return on assets (ROA) | -2.6487% | 5,268 |
| Pretax return on assets | -2.5779% | 5,263 |
| Return on Equity (ROE) | -13.6110% | 5,258 |
| Retained earnings to average equity (ytd only) | -13.6110% | 5,209 |
| Net charge-offs to loans | 0.0325% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -255.0000% | 3,168 |
| Efficiency ratio | 213.8393% | 19 |
| Assets per employee ($millions) | 4.7973% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2805% | 5,188 |
| Loan loss allowance to noncurrent loans | 53.0303% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 3,902 |
| Noncurrent loans to loans | 0.5289% | 2,690 |
| Net loans and leases to total assets | 32.4248% | 5,062 |
| Net loans and leases to deposits | 45.0772% | 4,926 |
| Net loans and leases to core deposits | 47.0651% | 4,929 |
| Total domestic deposits to total assets | 71.9318% | 4,977 |
| Equity capital to assets | 19.1646% | 286 |
| Core capital (leverage) ratio | 18.5148% | 311 |
| Tier 1 risk-based capital ratio | 85.5730% | 53 |
| Total risk-based capital ratio | 85.9802% | 52 |
| Memoranda: | ||
| Average total assets | $39,567,000 | 5,016 |
| Average earning assets | $38,335,670 | 4,975 |
| Average equity | $7,699,670 | 4,623 |
| Average total loans | $12,314,670 | 5,150 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0691% | 5,252 |
| Cost of funding earning assets | 0.9135% | 1,945 |
| Net interest margin | 2.1555% | 5,288 |
| Noninterest income to average assets | 0.1594% | 4,784 |
| Noninterest expense to average assets | 2.4302% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1394% | 5,193 |
| Return on assets (ROA) | -0.1394% | 5,192 |
| Pretax return on assets | -0.1793% | 5,192 |
| Return on Equity (ROE) | -0.7114% | 5,175 |
| Retained earnings to average equity (ytd only) | -0.7114% | 4,617 |
| Net charge-offs to loans | -0.0327% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9646% | 116 |
| Assets per employee ($millions) | 5.0571% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2986% | 5,245 |
| Loan loss allowance to noncurrent loans | 55.8824% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 3,978 |
| Noncurrent loans to loans | 0.5344% | 2,710 |
| Net loans and leases to total assets | 31.3567% | 5,127 |
| Net loans and leases to deposits | 45.6807% | 4,939 |
| Net loans and leases to core deposits | 47.6828% | 4,943 |
| Total domestic deposits to total assets | 68.6433% | 5,154 |
| Equity capital to assets | 19.4404% | 262 |
| Core capital (leverage) ratio | 19.7321% | 245 |
| Tier 1 risk-based capital ratio | 86.4571% | 51 |
| Total risk-based capital ratio | 86.8748% | 51 |
| Memoranda: | ||
| Average total assets | $40,161,500 | 5,057 |
| Average earning assets | $38,969,500 | 5,018 |
| Average equity | $7,872,000 | 4,630 |
| Average total loans | $12,232,500 | 5,204 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8835% | 5,265 |
| Cost of funding earning assets | 0.6601% | 2,320 |
| Net interest margin | 2.2233% | 5,298 |
| Noninterest income to average assets | 0.1744% | 4,852 |
| Noninterest expense to average assets | 2.6520% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.2507% | 5,278 |
| Return on assets (ROA) | -0.2001% | 5,271 |
| Pretax return on assets | -0.2539% | 5,275 |
| Return on Equity (ROE) | -0.9841% | 5,260 |
| Retained earnings to average equity (ytd only) | -0.9841% | 5,085 |
| Net charge-offs to loans | 0.0702% | 2,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | -15.5000% | 3,761 |
| Efficiency ratio | 113.6264% | 69 |
| Assets per employee ($millions) | 4.9833% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3151% | 5,274 |
| Loan loss allowance to noncurrent loans | 56.0606% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 3,997 |
| Noncurrent loans to loans | 0.5621% | 2,587 |
| Net loans and leases to total assets | 29.3584% | 5,214 |
| Net loans and leases to deposits | 42.5693% | 5,064 |
| Net loans and leases to core deposits | 44.4478% | 5,072 |
| Total domestic deposits to total assets | 68.9660% | 5,185 |
| Equity capital to assets | 19.7637% | 239 |
| Core capital (leverage) ratio | 20.7277% | 205 |
| Tier 1 risk-based capital ratio | 93.6527% | 45 |
| Total risk-based capital ratio | 94.0925% | 44 |
| Memoranda: | ||
| Average total assets | $38,989,400 | 5,115 |
| Average earning assets | $37,871,000 | 5,075 |
| Average equity | $7,926,200 | 4,621 |
| Average total loans | $11,392,800 | 5,262 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8706% | 5,335 |
| Cost of funding earning assets | 0.6301% | 2,271 |
| Net interest margin | 2.2406% | 5,372 |
| Noninterest income to average assets | 0.1720% | 4,925 |
| Noninterest expense to average assets | 2.6274% | 3,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.2192% | 5,346 |
| Return on assets (ROA) | -0.1513% | 5,338 |
| Pretax return on assets | -0.1926% | 5,340 |
| Return on Equity (ROE) | -0.7391% | 5,324 |
| Retained earnings to average equity (ytd only) | -0.7391% | 5,118 |
| Net charge-offs to loans | 0.0944% | 1,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -10.1218% | 3,469 |
| Efficiency ratio | 111.8594% | 77 |
| Assets per employee ($millions) | 4.6495% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3224% | 5,347 |
| Loan loss allowance to noncurrent loans | 55.2239% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 4,049 |
| Noncurrent loans to loans | 0.5837% | 2,627 |
| Net loans and leases to total assets | 30.7587% | 5,262 |
| Net loans and leases to deposits | 41.5840% | 5,165 |
| Net loans and leases to core deposits | 43.4177% | 5,174 |
| Total domestic deposits to total assets | 73.9676% | 4,978 |
| Equity capital to assets | 21.2738% | 183 |
| Core capital (leverage) ratio | 20.8682% | 202 |
| Tier 1 risk-based capital ratio | 97.6190% | 42 |
| Total risk-based capital ratio | 98.0755% | 42 |
| Memoranda: | ||
| Average total assets | $38,770,250 | 5,181 |
| Average earning assets | $37,668,000 | 5,143 |
| Average equity | $7,938,000 | 4,663 |
| Average total loans | $11,305,750 | 5,328 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2977% | 5,143 |
| Cost of funding earning assets | 0.7119% | 1,560 |
| Net interest margin | 2.5858% | 5,287 |
| Noninterest income to average assets | 0.1832% | 4,913 |
| Noninterest expense to average assets | 3.0284% | 1,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.2583% | 5,404 |
| Return on assets (ROA) | -0.1578% | 5,387 |
| Pretax return on assets | -0.2036% | 5,392 |
| Return on Equity (ROE) | -0.7802% | 5,371 |
| Retained earnings to average equity (ytd only) | -0.7802% | 5,057 |
| Net charge-offs to loans | 0.1067% | 1,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -10.8333% | 3,183 |
| Efficiency ratio | 112.2642% | 85 |
| Assets per employee ($millions) | 4.8161% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3358% | 5,403 |
| Loan loss allowance to noncurrent loans | 55.7143% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 4,069 |
| Noncurrent loans to loans | 0.6027% | 2,607 |
| Net loans and leases to total assets | 30.0449% | 5,327 |
| Net loans and leases to deposits | 39.7814% | 5,251 |
| Net loans and leases to core deposits | 41.4302% | 5,253 |
| Total domestic deposits to total assets | 75.5249% | 4,902 |
| Equity capital to assets | 20.5715% | 207 |
| Core capital (leverage) ratio | 20.5209% | 203 |
| Tier 1 risk-based capital ratio | 96.8357% | 44 |
| Total risk-based capital ratio | 97.3122% | 45 |
| Memoranda: | ||
| Average total assets | $39,295,000 | 5,228 |
| Average earning assets | $38,209,000 | 5,194 |
| Average equity | $7,946,330 | 4,704 |
| Average total loans | $11,248,330 | 5,390 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8101% | 5,453 |
| Cost of funding earning assets | 0.6118% | 1,967 |
| Net interest margin | 2.1983% | 5,505 |
| Noninterest income to average assets | 0.1411% | 5,163 |
| Noninterest expense to average assets | 2.5505% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2092% | 5,450 |
| Return on assets (ROA) | -0.0101% | 5,391 |
| Pretax return on assets | -0.0202% | 5,395 |
| Return on Equity (ROE) | -0.0503% | 5,389 |
| Retained earnings to average equity (ytd only) | -0.0503% | 4,811 |
| Net charge-offs to loans | 0.1808% | 808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -5.4000% | 2,688 |
| Efficiency ratio | 111.9469% | 91 |
| Assets per employee ($millions) | 4.3471% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3631% | 5,457 |
| Loan loss allowance to noncurrent loans | 59.7015% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 4,227 |
| Noncurrent loans to loans | 0.6083% | 2,724 |
| Net loans and leases to total assets | 28.0518% | 5,407 |
| Net loans and leases to deposits | 37.0677% | 5,336 |
| Net loans and leases to core deposits | 38.5751% | 5,343 |
| Total domestic deposits to total assets | 75.6773% | 5,002 |
| Equity capital to assets | 20.3353% | 202 |
| Core capital (leverage) ratio | 20.1148% | 209 |
| Tier 1 risk-based capital ratio | 96.0058% | 45 |
| Total risk-based capital ratio | 96.4885% | 45 |
| Memoranda: | ||
| Average total assets | $39,678,000 | 5,280 |
| Average earning assets | $38,575,500 | 5,247 |
| Average equity | $7,956,500 | 4,751 |
| Average total loans | $11,065,000 | 5,453 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7608% | 5,473 |
| Cost of funding earning assets | 0.5783% | 1,759 |
| Net interest margin | 2.1825% | 5,542 |
| Noninterest income to average assets | 0.1613% | 5,152 |
| Noninterest expense to average assets | 2.1794% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0977% | 5,262 |
| Return on assets (ROA) | 0.0977% | 5,267 |
| Pretax return on assets | 0.1026% | 5,375 |
| Return on Equity (ROE) | 0.5036% | 5,309 |
| Retained earnings to average equity (ytd only) | 0.5036% | 4,831 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5032% | 259 |
| Assets per employee ($millions) | 5.0290% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4049% | 5,481 |
| Loan loss allowance to noncurrent loans | 71.4286% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 3,895 |
| Noncurrent loans to loans | 0.5668% | 2,801 |
| Net loans and leases to total assets | 27.5154% | 5,482 |
| Net loans and leases to deposits | 36.9148% | 5,411 |
| Net loans and leases to core deposits | 38.3922% | 5,414 |
| Total domestic deposits to total assets | 74.5377% | 5,134 |
| Equity capital to assets | 19.7778% | 217 |
| Core capital (leverage) ratio | 19.8044% | 206 |
| Tier 1 risk-based capital ratio | 98.7834% | 45 |
| Total risk-based capital ratio | 99.3420% | 43 |
| Memoranda: | ||
| Average total assets | $40,928,200 | 5,315 |
| Average earning assets | $39,770,800 | 5,278 |
| Average equity | $7,943,600 | 4,791 |
| Average total loans | $10,922,400 | 5,520 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7442% | 5,542 |
| Cost of funding earning assets | 0.5675% | 1,759 |
| Net interest margin | 2.1767% | 5,607 |
| Noninterest income to average assets | 0.1589% | 5,223 |
| Noninterest expense to average assets | 2.1150% | 4,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1362% | 5,411 |
| Return on assets (ROA) | 0.1362% | 5,419 |
| Pretax return on assets | 0.1589% | 5,415 |
| Return on Equity (ROE) | 0.7053% | 5,466 |
| Retained earnings to average equity (ytd only) | 0.7053% | 5,064 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0100% | 316 |
| Assets per employee ($millions) | 5.7689% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4169% | 5,549 |
| Loan loss allowance to noncurrent loans | 48.9130% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 4,151 |
| Noncurrent loans to loans | 0.8522% | 2,236 |
| Net loans and leases to total assets | 26.6208% | 5,557 |
| Net loans and leases to deposits | 36.0533% | 5,495 |
| Net loans and leases to core deposits | 37.5035% | 5,502 |
| Total domestic deposits to total assets | 73.8374% | 5,247 |
| Equity capital to assets | 19.7093% | 237 |
| Core capital (leverage) ratio | 19.2959% | 236 |
| Tier 1 risk-based capital ratio | 99.0911% | 41 |
| Total risk-based capital ratio | 99.6514% | 41 |
| Memoranda: | ||
| Average total assets | $41,102,250 | 5,374 |
| Average earning assets | $39,937,000 | 5,334 |
| Average equity | $7,940,250 | 4,841 |
| Average total loans | $10,874,250 | 5,579 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7299% | 5,586 |
| Cost of funding earning assets | 0.5579% | 1,725 |
| Net interest margin | 2.1719% | 5,656 |
| Noninterest income to average assets | 0.1596% | 5,250 |
| Noninterest expense to average assets | 2.0512% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1790% | 5,424 |
| Return on assets (ROA) | 0.1790% | 5,430 |
| Pretax return on assets | 0.2177% | 5,416 |
| Return on Equity (ROE) | 0.9327% | 5,480 |
| Retained earnings to average equity (ytd only) | 0.9327% | 4,858 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4051% | 431 |
| Assets per employee ($millions) | 5.8730% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4121% | 5,601 |
| Loan loss allowance to noncurrent loans | 48.9130% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 4,256 |
| Noncurrent loans to loans | 0.8424% | 2,298 |
| Net loans and leases to total assets | 26.4552% | 5,601 |
| Net loans and leases to deposits | 36.0431% | 5,538 |
| Net loans and leases to core deposits | 37.4711% | 5,550 |
| Total domestic deposits to total assets | 73.3988% | 5,343 |
| Equity capital to assets | 19.3476% | 249 |
| Core capital (leverage) ratio | 19.0533% | 237 |
| Tier 1 risk-based capital ratio | 97.2847% | 40 |
| Total risk-based capital ratio | 97.8351% | 40 |
| Memoranda: | ||
| Average total assets | $41,342,330 | 5,419 |
| Average earning assets | $40,148,330 | 5,367 |
| Average equity | $7,934,000 | 4,869 |
| Average total loans | $10,900,670 | 5,628 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6547% | 5,666 |
| Cost of funding earning assets | 0.5369% | 1,810 |
| Net interest margin | 2.1178% | 5,731 |
| Noninterest income to average assets | 0.1351% | 5,439 |
| Noninterest expense to average assets | 2.0261% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1351% | 5,473 |
| Return on assets (ROA) | 0.1351% | 5,483 |
| Pretax return on assets | 0.1640% | 5,470 |
| Return on Equity (ROE) | 0.7067% | 5,539 |
| Retained earnings to average equity (ytd only) | 0.7067% | 4,747 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5110% | 429 |
| Assets per employee ($millions) | 6.9640% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4212% | 5,668 |
| Loan loss allowance to noncurrent loans | 173.0769% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 5,032 |
| Noncurrent loans to loans | 0.2433% | 4,236 |
| Net loans and leases to total assets | 25.4643% | 5,676 |
| Net loans and leases to deposits | 34.8339% | 5,605 |
| Net loans and leases to core deposits | 36.1966% | 5,616 |
| Total domestic deposits to total assets | 73.1021% | 5,481 |
| Equity capital to assets | 18.9809% | 248 |
| Core capital (leverage) ratio | 19.1293% | 227 |
| Tier 1 risk-based capital ratio | 96.3552% | 40 |
| Total risk-based capital ratio | 96.9020% | 40 |
| Memoranda: | ||
| Average total assets | $41,458,000 | 5,478 |
| Average earning assets | $40,230,000 | 5,426 |
| Average equity | $7,924,000 | 4,917 |
| Average total loans | $10,890,500 | 5,692 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7281% | 5,676 |
| Cost of funding earning assets | 0.5142% | 1,985 |
| Net interest margin | 2.2138% | 5,744 |
| Noninterest income to average assets | 0.1891% | 5,272 |
| Noninterest expense to average assets | 2.2423% | 4,670 |
| Loan and lease loss provision to assets | 0.0149% | 4,073 |
| Net operating income to assets | 0.0722% | 5,589 |
| Return on assets (ROA) | 0.0722% | 5,615 |
| Pretax return on assets | 0.0747% | 5,615 |
| Return on Equity (ROE) | 0.3667% | 5,634 |
| Retained earnings to average equity (ytd only) | 0.3667% | 5,170 |
| Net charge-offs to loans | 0.0096% | 3,943 |
| Credit loss provision to net charge-offs | 600.0000% | 568 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,268 |
| Efficiency ratio | 96.1580% | 307 |
| Assets per employee ($millions) | 6.8553% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4056% | 5,734 |
| Loan loss allowance to noncurrent loans | 173.0769% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 5,079 |
| Noncurrent loans to loans | 0.2343% | 4,311 |
| Net loans and leases to total assets | 26.8672% | 5,706 |
| Net loans and leases to deposits | 37.3698% | 5,613 |
| Net loans and leases to core deposits | 38.5388% | 5,628 |
| Total domestic deposits to total assets | 71.8954% | 5,567 |
| Equity capital to assets | 19.2478% | 230 |
| Core capital (leverage) ratio | 19.6038% | 203 |
| Tier 1 risk-based capital ratio | 91.4943% | 41 |
| Total risk-based capital ratio | 92.0143% | 41 |
| Memoranda: | ||
| Average total assets | $40,182,400 | 5,542 |
| Average earning assets | $38,892,200 | 5,490 |
| Average equity | $7,909,000 | 4,949 |
| Average total loans | $10,371,800 | 5,761 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7520% | 5,737 |
| Cost of funding earning assets | 0.5104% | 2,013 |
| Net interest margin | 2.2416% | 5,800 |
| Noninterest income to average assets | 0.2003% | 5,266 |
| Noninterest expense to average assets | 2.2564% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1001% | 5,623 |
| Return on assets (ROA) | 0.1001% | 5,673 |
| Pretax return on assets | 0.1135% | 5,663 |
| Return on Equity (ROE) | 0.5059% | 5,701 |
| Retained earnings to average equity (ytd only) | 0.5059% | 5,229 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2113% | 340 |
| Assets per employee ($millions) | 5.7041% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3904% | 5,803 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 5,521 |
| Noncurrent loans to loans | 0.0195% | 5,318 |
| Net loans and leases to total assets | 25.5604% | 5,802 |
| Net loans and leases to deposits | 34.1749% | 5,751 |
| Net loans and leases to core deposits | 35.2332% | 5,764 |
| Total domestic deposits to total assets | 74.7928% | 5,358 |
| Equity capital to assets | 19.8302% | 230 |
| Core capital (leverage) ratio | 19.6779% | 208 |
| Tier 1 risk-based capital ratio | 91.6011% | 44 |
| Total risk-based capital ratio | 92.0639% | 45 |
| Memoranda: | ||
| Average total assets | $39,945,000 | 5,598 |
| Average earning assets | $38,661,500 | 5,548 |
| Average equity | $7,907,000 | 5,002 |
| Average total loans | $10,190,750 | 5,827 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7676% | 5,815 |
| Cost of funding earning assets | 0.5018% | 2,089 |
| Net interest margin | 2.2658% | 5,877 |
| Noninterest income to average assets | 0.2253% | 5,141 |
| Noninterest expense to average assets | 2.2628% | 4,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1352% | 5,625 |
| Return on assets (ROA) | 0.1352% | 5,671 |
| Pretax return on assets | 0.1552% | 5,664 |
| Return on Equity (ROE) | 0.6833% | 5,731 |
| Retained earnings to average equity (ytd only) | 0.6833% | 5,099 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5818% | 429 |
| Assets per employee ($millions) | 5.7796% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3854% | 5,891 |
| Loan loss allowance to noncurrent loans | 95.2381% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 5,097 |
| Noncurrent loans to loans | 0.4047% | 3,913 |
| Net loans and leases to total assets | 25.5555% | 5,875 |
| Net loans and leases to deposits | 34.3854% | 5,814 |
| Net loans and leases to core deposits | 35.4403% | 5,823 |
| Total domestic deposits to total assets | 74.3209% | 5,486 |
| Equity capital to assets | 19.5640% | 232 |
| Core capital (leverage) ratio | 19.4543% | 210 |
| Tier 1 risk-based capital ratio | 89.3643% | 49 |
| Total risk-based capital ratio | 89.8160% | 50 |
| Memoranda: | ||
| Average total assets | $39,950,330 | 5,664 |
| Average earning assets | $38,662,330 | 5,612 |
| Average equity | $7,903,330 | 5,041 |
| Average total loans | $10,172,330 | 5,900 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7699% | 5,870 |
| Cost of funding earning assets | 0.4998% | 2,108 |
| Net interest margin | 2.2701% | 5,935 |
| Noninterest income to average assets | 0.2821% | 4,698 |
| Noninterest expense to average assets | 2.2571% | 4,766 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1915% | 5,539 |
| Return on assets (ROA) | 0.1915% | 5,596 |
| Pretax return on assets | 0.2217% | 5,616 |
| Return on Equity (ROE) | 0.9623% | 5,698 |
| Retained earnings to average equity (ytd only) | 0.9623% | 4,854 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0569% | 608 |
| Assets per employee ($millions) | 5.7353% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3975% | 5,955 |
| Loan loss allowance to noncurrent loans | 97.5610% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 5,169 |
| Noncurrent loans to loans | 0.4074% | 3,973 |
| Net loans and leases to total assets | 24.9682% | 5,936 |
| Net loans and leases to deposits | 33.1481% | 5,885 |
| Net loans and leases to core deposits | 34.1603% | 5,888 |
| Total domestic deposits to total assets | 75.3232% | 5,485 |
| Equity capital to assets | 19.6951% | 223 |
| Core capital (leverage) ratio | 20.0563% | 196 |
| Tier 1 risk-based capital ratio | 88.9126% | 46 |
| Total risk-based capital ratio | 89.3624% | 47 |
| Memoranda: | ||
| Average total assets | $39,697,000 | 5,722 |
| Average earning assets | $38,413,000 | 5,675 |
| Average equity | $7,897,500 | 5,075 |
| Average total loans | $10,069,000 | 5,960 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8695% | 5,839 |
| Cost of funding earning assets | 0.4515% | 2,610 |
| Net interest margin | 2.4180% | 5,883 |
| Noninterest income to average assets | 0.1707% | 5,560 |
| Noninterest expense to average assets | 2.2614% | 4,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2049% | 5,559 |
| Return on assets (ROA) | 0.2049% | 5,624 |
| Pretax return on assets | 0.2443% | 5,622 |
| Return on Equity (ROE) | 0.9933% | 5,768 |
| Retained earnings to average equity (ytd only) | 0.9933% | 5,118 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2516% | 675 |
| Assets per employee ($millions) | 5.6067% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3971% | 5,997 |
| Loan loss allowance to noncurrent loans | 95.2381% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 5,170 |
| Noncurrent loans to loans | 0.4169% | 3,958 |
| Net loans and leases to total assets | 25.5663% | 5,986 |
| Net loans and leases to deposits | 34.1432% | 5,927 |
| Net loans and leases to core deposits | 35.2144% | 5,941 |
| Total domestic deposits to total assets | 74.8796% | 5,563 |
| Equity capital to assets | 20.0984% | 209 |
| Core capital (leverage) ratio | 20.3027% | 190 |
| Tier 1 risk-based capital ratio | 87.1410% | 44 |
| Total risk-based capital ratio | 87.5829% | 47 |
| Memoranda: | ||
| Average total assets | $38,074,200 | 5,805 |
| Average earning assets | $36,766,400 | 5,752 |
| Average equity | $7,852,600 | 5,087 |
| Average total loans | $10,217,400 | 6,009 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8770% | 5,913 |
| Cost of funding earning assets | 0.4423% | 2,766 |
| Net interest margin | 2.4347% | 5,953 |
| Noninterest income to average assets | 0.1694% | 5,631 |
| Noninterest expense to average assets | 2.2233% | 4,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2259% | 5,626 |
| Return on assets (ROA) | 0.2259% | 5,694 |
| Pretax return on assets | 0.2964% | 5,646 |
| Return on Equity (ROE) | 1.0879% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.0879% | 5,283 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2353% | 823 |
| Assets per employee ($millions) | 5.4719% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3941% | 6,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 26.3948% | 6,058 |
| Net loans and leases to deposits | 35.4252% | 5,993 |
| Net loans and leases to core deposits | 35.7813% | 6,017 |
| Total domestic deposits to total assets | 74.5085% | 5,662 |
| Equity capital to assets | 20.5571% | 210 |
| Core capital (leverage) ratio | 20.5625% | 180 |
| Tier 1 risk-based capital ratio | 87.5181% | 48 |
| Total risk-based capital ratio | 87.9627% | 49 |
| Memoranda: | ||
| Average total assets | $37,781,000 | 5,885 |
| Average earning assets | $36,472,500 | 5,837 |
| Average equity | $7,843,750 | 5,154 |
| Average total loans | $10,253,250 | 6,089 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8761% | 5,966 |
| Cost of funding earning assets | 0.4408% | 2,831 |
| Net interest margin | 2.4353% | 6,019 |
| Noninterest income to average assets | 0.1649% | 5,714 |
| Noninterest expense to average assets | 2.1964% | 5,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2393% | 5,606 |
| Return on assets (ROA) | 0.2393% | 5,675 |
| Pretax return on assets | 0.3191% | 5,624 |
| Return on Equity (ROE) | 1.1489% | 5,879 |
| Retained earnings to average equity (ytd only) | 1.1489% | 5,108 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3150% | 958 |
| Assets per employee ($millions) | 5.3033% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3953% | 6,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 27.1476% | 6,112 |
| Net loans and leases to deposits | 34.9276% | 6,065 |
| Net loans and leases to core deposits | 35.2723% | 6,085 |
| Total domestic deposits to total assets | 77.7254% | 5,326 |
| Equity capital to assets | 21.1594% | 175 |
| Core capital (leverage) ratio | 21.0111% | 168 |
| Tier 1 risk-based capital ratio | 86.4231% | 52 |
| Total risk-based capital ratio | 86.8632% | 53 |
| Memoranda: | ||
| Average total assets | $37,607,000 | 5,953 |
| Average earning assets | $36,299,000 | 5,898 |
| Average equity | $7,833,670 | 5,198 |
| Average total loans | $10,287,670 | 6,158 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8927% | 5,998 |
| Cost of funding earning assets | 0.4164% | 3,123 |
| Net interest margin | 2.4763% | 6,045 |
| Noninterest income to average assets | 0.1585% | 5,790 |
| Noninterest expense to average assets | 2.1876% | 5,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2748% | 5,493 |
| Return on assets (ROA) | 0.2748% | 5,589 |
| Pretax return on assets | 0.3593% | 5,519 |
| Return on Equity (ROE) | 1.3294% | 5,847 |
| Retained earnings to average equity (ytd only) | 1.3294% | 4,951 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8921% | 1,189 |
| Assets per employee ($millions) | 5.3603% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3850% | 6,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 27.5838% | 6,150 |
| Net loans and leases to deposits | 35.7562% | 6,066 |
| Net loans and leases to core deposits | 36.1080% | 6,095 |
| Total domestic deposits to total assets | 77.1441% | 5,594 |
| Equity capital to assets | 20.8837% | 187 |
| Core capital (leverage) ratio | 20.7609% | 178 |
| Tier 1 risk-based capital ratio | 84.2128% | 65 |
| Total risk-based capital ratio | 84.6427% | 66 |
| Memoranda: | ||
| Average total assets | $37,849,000 | 6,008 |
| Average earning assets | $36,505,500 | 5,950 |
| Average equity | $7,823,000 | 5,247 |
| Average total loans | $10,372,500 | 6,224 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8168% | 6,194 |
| Cost of funding earning assets | 0.4132% | 3,564 |
| Net interest margin | 2.4036% | 6,225 |
| Noninterest income to average assets | 0.2067% | 5,624 |
| Noninterest expense to average assets | 2.3266% | 5,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1780% | 5,808 |
| Return on assets (ROA) | 0.1780% | 5,857 |
| Pretax return on assets | 0.2094% | 5,857 |
| Return on Equity (ROE) | 0.8750% | 5,985 |
| Retained earnings to average equity (ytd only) | 0.8750% | 5,388 |
| Net charge-offs to loans | -0.0095% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7441% | 725 |
| Assets per employee ($millions) | 6.3627% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3863% | 6,329 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 5,761 |
| Noncurrent loans to loans | 0.2414% | 4,965 |
| Net loans and leases to total assets | 27.0196% | 6,259 |
| Net loans and leases to deposits | 35.7651% | 6,178 |
| Net loans and leases to core deposits | 36.1169% | 6,201 |
| Total domestic deposits to total assets | 75.5475% | 5,802 |
| Equity capital to assets | 20.4579% | 210 |
| Core capital (leverage) ratio | 20.4579% | 194 |
| Tier 1 risk-based capital ratio | 72.5230% | 67 |
| Total risk-based capital ratio | 72.8944% | 67 |
| Memoranda: | ||
| Average total assets | $38,211,000 | 6,078 |
| Average earning assets | $37,028,200 | 6,015 |
| Average equity | $7,771,400 | 5,255 |
| Average total loans | $10,550,600 | 6,303 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8005% | 6,282 |
| Cost of funding earning assets | 0.4062% | 3,709 |
| Net interest margin | 2.3943% | 6,300 |
| Noninterest income to average assets | 0.2163% | 5,637 |
| Noninterest expense to average assets | 2.3617% | 4,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1395% | 5,963 |
| Return on assets (ROA) | 0.1395% | 5,996 |
| Pretax return on assets | 0.1779% | 5,976 |
| Return on Equity (ROE) | 0.6871% | 6,078 |
| Retained earnings to average equity (ytd only) | 0.6871% | 5,598 |
| Net charge-offs to loans | -0.0125% | 5,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9945% | 647 |
| Assets per employee ($millions) | 4.7023% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3837% | 6,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 27.6091% | 6,324 |
| Net loans and leases to deposits | 36.1718% | 6,238 |
| Net loans and leases to core deposits | 36.5293% | 6,272 |
| Total domestic deposits to total assets | 76.3278% | 5,773 |
| Equity capital to assets | 20.6869% | 204 |
| Core capital (leverage) ratio | 20.6869% | 189 |
| Tier 1 risk-based capital ratio | 73.1391% | 67 |
| Total risk-based capital ratio | 73.5150% | 67 |
| Memoranda: | ||
| Average total assets | $38,219,750 | 6,150 |
| Average earning assets | $37,087,750 | 6,086 |
| Average equity | $7,761,750 | 5,299 |
| Average total loans | $10,599,500 | 6,373 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7695% | 6,358 |
| Cost of funding earning assets | 0.4018% | 3,849 |
| Net interest margin | 2.3677% | 6,377 |
| Noninterest income to average assets | 0.2343% | 5,524 |
| Noninterest expense to average assets | 2.3633% | 4,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1353% | 5,982 |
| Return on assets (ROA) | 0.1353% | 6,019 |
| Pretax return on assets | 0.1718% | 5,983 |
| Return on Equity (ROE) | 0.6705% | 6,113 |
| Retained earnings to average equity (ytd only) | 0.6705% | 5,470 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2238% | 684 |
| Assets per employee ($millions) | 4.8434% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3703% | 6,502 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 5,639 |
| Noncurrent loans to loans | 0.6171% | 4,175 |
| Net loans and leases to total assets | 27.0834% | 6,392 |
| Net loans and leases to deposits | 35.5825% | 6,302 |
| Net loans and leases to core deposits | 35.9236% | 6,333 |
| Total domestic deposits to total assets | 76.1143% | 5,903 |
| Equity capital to assets | 20.0480% | 217 |
| Core capital (leverage) ratio | 20.0480% | 198 |
| Tier 1 risk-based capital ratio | 73.1588% | 67 |
| Total risk-based capital ratio | 73.5261% | 67 |
| Memoranda: | ||
| Average total assets | $38,420,330 | 6,209 |
| Average earning assets | $37,335,670 | 6,133 |
| Average equity | $7,755,000 | 5,324 |
| Average total loans | $10,657,330 | 6,429 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7552% | 6,424 |
| Cost of funding earning assets | 0.3982% | 3,991 |
| Net interest margin | 2.3570% | 6,445 |
| Noninterest income to average assets | 0.2823% | 5,111 |
| Noninterest expense to average assets | 2.4048% | 4,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1359% | 5,954 |
| Return on assets (ROA) | 0.1359% | 5,991 |
| Pretax return on assets | 0.1673% | 5,982 |
| Return on Equity (ROE) | 0.6711% | 6,108 |
| Retained earnings to average equity (ytd only) | 0.6711% | 5,324 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4959% | 781 |
| Assets per employee ($millions) | 4.8274% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3665% | 6,577 |
| Loan loss allowance to noncurrent loans | 82.9787% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 5,881 |
| Noncurrent loans to loans | 0.4417% | 4,820 |
| Net loans and leases to total assets | 27.4528% | 6,433 |
| Net loans and leases to deposits | 35.9232% | 6,322 |
| Net loans and leases to core deposits | 36.2672% | 6,357 |
| Total domestic deposits to total assets | 76.4209% | 6,037 |
| Equity capital to assets | 20.0808% | 214 |
| Core capital (leverage) ratio | 20.0808% | 201 |
| Tier 1 risk-based capital ratio | 72.2942% | 73 |
| Total risk-based capital ratio | 72.6578% | 73 |
| Memoranda: | ||
| Average total assets | $38,257,000 | 6,279 |
| Average earning assets | $37,166,500 | 6,199 |
| Average equity | $7,748,500 | 5,359 |
| Average total loans | $10,719,500 | 6,494 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6706% | 6,560 |
| Cost of funding earning assets | 0.4278% | 4,344 |
| Net interest margin | 2.2428% | 6,556 |
| Noninterest income to average assets | 0.1938% | 5,929 |
| Noninterest expense to average assets | 2.3519% | 5,230 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0388% | 6,150 |
| Return on assets (ROA) | 0.0388% | 6,194 |
| Pretax return on assets | 0.0233% | 6,196 |
| Return on Equity (ROE) | 0.1938% | 6,216 |
| Retained earnings to average equity (ytd only) | 0.1938% | 5,763 |
| Net charge-offs to loans | 0.0724% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.1250% | 4,700 |
| Efficiency ratio | 99.0207% | 509 |
| Assets per employee ($millions) | 4.7369% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3704% | 6,657 |
| Loan loss allowance to noncurrent loans | 85.1064% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 4,780 |
| Noncurrent loans to loans | 0.4353% | 4,911 |
| Net loans and leases to total assets | 28.3890% | 6,513 |
| Net loans and leases to deposits | 37.3516% | 6,389 |
| Net loans and leases to core deposits | 37.7169% | 6,424 |
| Total domestic deposits to total assets | 76.0047% | 6,093 |
| Equity capital to assets | 20.4301% | 190 |
| Core capital (leverage) ratio | 20.4301% | 177 |
| Tier 1 risk-based capital ratio | 72.1394% | 71 |
| Total risk-based capital ratio | 72.5121% | 72 |
| Memoranda: | ||
| Average total assets | $38,692,800 | 6,324 |
| Average earning assets | $37,631,600 | 6,230 |
| Average equity | $7,740,800 | 5,404 |
| Average total loans | $11,043,600 | 6,551 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6592% | 6,642 |
| Cost of funding earning assets | 0.4332% | 4,473 |
| Net interest margin | 2.2260% | 6,630 |
| Noninterest income to average assets | 0.1920% | 6,027 |
| Noninterest expense to average assets | 2.3072% | 5,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0583% | 6,206 |
| Return on assets (ROA) | 0.0583% | 6,263 |
| Pretax return on assets | 0.0514% | 6,257 |
| Return on Equity (ROE) | 0.2929% | 6,309 |
| Retained earnings to average equity (ytd only) | 0.2929% | 5,850 |
| Net charge-offs to loans | 0.0961% | 3,602 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.8744% | 4,204 |
| Efficiency ratio | 97.8198% | 534 |
| Assets per employee ($millions) | 4.8321% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3699% | 6,737 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 4,995 |
| Noncurrent loans to loans | 0.4439% | 5,090 |
| Net loans and leases to total assets | 27.8682% | 6,601 |
| Net loans and leases to deposits | 36.4495% | 6,493 |
| Net loans and leases to core deposits | 37.1765% | 6,520 |
| Total domestic deposits to total assets | 76.4570% | 6,117 |
| Equity capital to assets | 20.0326% | 214 |
| Core capital (leverage) ratio | 20.0326% | 202 |
| Tier 1 risk-based capital ratio | 71.6307% | 71 |
| Total risk-based capital ratio | 72.0007% | 73 |
| Memoranda: | ||
| Average total assets | $38,892,250 | 6,386 |
| Average earning assets | $37,855,000 | 6,303 |
| Average equity | $7,740,500 | 5,460 |
| Average total loans | $11,105,000 | 6,622 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7411% | 6,639 |
| Cost of funding earning assets | 0.4428% | 4,507 |
| Net interest margin | 2.2983% | 6,618 |
| Noninterest income to average assets | 0.1950% | 6,041 |
| Noninterest expense to average assets | 2.3351% | 5,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0872% | 6,156 |
| Return on assets (ROA) | 0.0872% | 6,240 |
| Pretax return on assets | 0.0975% | 6,235 |
| Return on Equity (ROE) | 0.4393% | 6,319 |
| Retained earnings to average equity (ytd only) | 0.4393% | 5,720 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9916% | 652 |
| Assets per employee ($millions) | 4.8081% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4187% | 6,758 |
| Loan loss allowance to noncurrent loans | 97.9167% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 5,009 |
| Noncurrent loans to loans | 0.4276% | 5,192 |
| Net loans and leases to total assets | 29.0628% | 6,608 |
| Net loans and leases to deposits | 36.9578% | 6,520 |
| Net loans and leases to core deposits | 37.6765% | 6,552 |
| Total domestic deposits to total assets | 78.6377% | 5,864 |
| Equity capital to assets | 20.1326% | 204 |
| Core capital (leverage) ratio | 20.1326% | 188 |
| Tier 1 risk-based capital ratio | 69.7721% | 72 |
| Total risk-based capital ratio | 70.1955% | 71 |
| Memoranda: | ||
| Average total assets | $38,970,670 | 6,435 |
| Average earning assets | $37,940,670 | 6,345 |
| Average equity | $7,739,330 | 5,501 |
| Average total loans | $11,202,330 | 6,663 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7909% | 6,684 |
| Cost of funding earning assets | 0.4495% | 4,599 |
| Net interest margin | 2.3414% | 6,653 |
| Noninterest income to average assets | 0.2142% | 5,944 |
| Noninterest expense to average assets | 2.2232% | 5,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2040% | 5,877 |
| Return on assets (ROA) | 0.2040% | 5,989 |
| Pretax return on assets | 0.2753% | 5,908 |
| Return on Equity (ROE) | 1.0340% | 6,216 |
| Retained earnings to average equity (ytd only) | 1.0340% | 5,438 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9796% | 1,231 |
| Assets per employee ($millions) | 4.8975% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4230% | 6,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 28.2363% | 6,657 |
| Net loans and leases to deposits | 36.3138% | 6,561 |
| Net loans and leases to core deposits | 37.0149% | 6,594 |
| Total domestic deposits to total assets | 77.7565% | 6,150 |
| Equity capital to assets | 19.7728% | 224 |
| Core capital (leverage) ratio | 19.7728% | 203 |
| Tier 1 risk-based capital ratio | 70.2230% | 76 |
| Total risk-based capital ratio | 70.6490% | 77 |
| Memoranda: | ||
| Average total assets | $39,223,500 | 6,488 |
| Average earning assets | $38,267,000 | 6,395 |
| Average equity | $7,737,000 | 5,571 |
| Average total loans | $11,190,500 | 6,731 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9922% | 6,779 |
| Cost of funding earning assets | 0.5769% | 4,569 |
| Net interest margin | 2.4152% | 6,769 |
| Noninterest income to average assets | 0.1997% | 5,991 |
| Noninterest expense to average assets | 2.1815% | 5,957 |
| Loan and lease loss provision to assets | 0.0077% | 5,824 |
| Net operating income to assets | 0.2791% | 5,546 |
| Return on assets (ROA) | 0.2791% | 5,759 |
| Pretax return on assets | 0.3687% | 5,657 |
| Return on Equity (ROE) | 1.4213% | 6,036 |
| Retained earnings to average equity (ytd only) | 1.4213% | 5,163 |
| Net charge-offs to loans | 0.0178% | 5,667 |
| Credit loss provision to net charge-offs | 150.0000% | 1,819 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 504 |
| Efficiency ratio | 85.2853% | 1,491 |
| Assets per employee ($millions) | 4.9084% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4170% | 6,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 28.5838% | 6,747 |
| Net loans and leases to deposits | 37.3250% | 6,657 |
| Net loans and leases to core deposits | 38.0552% | 6,672 |
| Total domestic deposits to total assets | 76.5808% | 6,276 |
| Equity capital to assets | 19.6781% | 235 |
| Core capital (leverage) ratio | 19.6781% | 207 |
| Tier 1 risk-based capital ratio | 69.5938% | 77 |
| Total risk-based capital ratio | 70.0171% | 78 |
| Memoranda: | ||
| Average total assets | $39,056,400 | 6,532 |
| Average earning assets | $38,132,800 | 6,424 |
| Average equity | $7,669,000 | 5,591 |
| Average total loans | $11,244,000 | 6,801 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0344% | 6,888 |
| Cost of funding earning assets | 0.6090% | 4,547 |
| Net interest margin | 2.4255% | 6,876 |
| Noninterest income to average assets | 0.2085% | 6,044 |
| Noninterest expense to average assets | 2.1912% | 5,973 |
| Loan and lease loss provision to assets | 0.0103% | 5,679 |
| Net operating income to assets | 0.2598% | 5,751 |
| Return on assets (ROA) | 0.2598% | 5,940 |
| Pretax return on assets | 0.3760% | 5,776 |
| Return on Equity (ROE) | 1.3238% | 6,187 |
| Retained earnings to average equity (ytd only) | 1.3238% | 5,642 |
| Net charge-offs to loans | 0.0238% | 5,334 |
| Credit loss provision to net charge-offs | 150.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 56.4270% | 690 |
| Efficiency ratio | 85.0133% | 1,475 |
| Assets per employee ($millions) | 4.7419% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4254% | 6,995 |
| 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 | 29.6191% | 6,827 |
| Net loans and leases to deposits | 37.6731% | 6,763 |
| Net loans and leases to core deposits | 38.4150% | 6,796 |
| Total domestic deposits to total assets | 78.6213% | 5,949 |
| Equity capital to assets | 20.2821% | 232 |
| Core capital (leverage) ratio | 20.2847% | 199 |
| Tier 1 risk-based capital ratio | 68.5035% | 76 |
| Total risk-based capital ratio | 68.9308% | 78 |
| Memoranda: | ||
| Average total assets | $39,003,750 | 6,617 |
| Average earning assets | $38,095,000 | 6,507 |
| Average equity | $7,654,500 | 5,657 |
| Average total loans | $11,237,250 | 6,892 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0487% | 6,957 |
| Cost of funding earning assets | 0.6451% | 4,486 |
| Net interest margin | 2.4036% | 6,955 |
| Noninterest income to average assets | 0.2083% | 6,070 |
| Noninterest expense to average assets | 2.1900% | 6,037 |
| Loan and lease loss provision to assets | 0.0152% | 5,469 |
| Net operating income to assets | 0.2439% | 5,783 |
| Return on assets (ROA) | 0.2439% | 5,970 |
| Pretax return on assets | 0.3506% | 5,827 |
| Return on Equity (ROE) | 1.2563% | 6,248 |
| Retained earnings to average equity (ytd only) | 1.2563% | 5,571 |
| Net charge-offs to loans | 0.0356% | 4,886 |
| Credit loss provision to net charge-offs | 150.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 955 |
| Efficiency ratio | 85.6859% | 1,462 |
| Assets per employee ($millions) | 5.6804% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4377% | 7,059 |
| Loan loss allowance to noncurrent loans | 69.0141% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 6,347 |
| Noncurrent loans to loans | 0.6343% | 5,237 |
| Net loans and leases to total assets | 28.0286% | 6,931 |
| Net loans and leases to deposits | 35.9505% | 6,876 |
| Net loans and leases to core deposits | 36.6311% | 6,902 |
| Total domestic deposits to total assets | 77.9644% | 6,159 |
| Equity capital to assets | 19.2792% | 261 |
| Core capital (leverage) ratio | 19.2817% | 231 |
| Tier 1 risk-based capital ratio | 67.1425% | 79 |
| Total risk-based capital ratio | 67.5716% | 81 |
| Memoranda: | ||
| Average total assets | $39,360,000 | 6,654 |
| Average earning assets | $38,442,670 | 6,534 |
| Average equity | $7,641,330 | 5,676 |
| Average total loans | $11,221,670 | 6,951 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0985% | 7,000 |
| Cost of funding earning assets | 0.6804% | 4,462 |
| Net interest margin | 2.4181% | 7,002 |
| Noninterest income to average assets | 0.1941% | 6,222 |
| Noninterest expense to average assets | 2.2064% | 6,028 |
| Loan and lease loss provision to assets | 0.0306% | 4,986 |
| Net operating income to assets | 0.2247% | 5,907 |
| Return on assets (ROA) | 0.2247% | 6,052 |
| Pretax return on assets | 0.3167% | 5,940 |
| Return on Equity (ROE) | 1.1535% | 6,316 |
| Retained earnings to average equity (ytd only) | 1.1535% | 5,624 |
| Net charge-offs to loans | 0.0712% | 3,783 |
| Credit loss provision to net charge-offs | 150.0000% | 1,667 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,325 |
| Efficiency ratio | 86.4000% | 1,444 |
| Assets per employee ($millions) | 4.9228% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4364% | 7,111 |
| Loan loss allowance to noncurrent loans | 1,633.3333% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 6,918 |
| Noncurrent loans to loans | 0.0267% | 6,704 |
| Net loans and leases to total assets | 28.3861% | 6,967 |
| Net loans and leases to deposits | 35.3520% | 6,910 |
| Net loans and leases to core deposits | 36.3900% | 6,932 |
| Total domestic deposits to total assets | 80.2956% | 5,781 |
| Equity capital to assets | 19.3997% | 252 |
| Core capital (leverage) ratio | 19.4023% | 227 |
| Tier 1 risk-based capital ratio | 65.9275% | 78 |
| Total risk-based capital ratio | 66.3589% | 78 |
| Memoranda: | ||
| Average total assets | $39,158,500 | 6,712 |
| Average earning assets | $38,211,500 | 6,594 |
| Average equity | $7,629,000 | 5,703 |
| Average total loans | $11,235,500 | 7,015 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3040% | 7,092 |
| Cost of funding earning assets | 0.8569% | 4,422 |
| Net interest margin | 2.4472% | 7,084 |
| Noninterest income to average assets | 0.2710% | 5,587 |
| Noninterest expense to average assets | 2.2462% | 6,170 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2836% | 5,313 |
| Return on assets (ROA) | 0.2836% | 5,467 |
| Pretax return on assets | 0.4116% | 5,261 |
| Return on Equity (ROE) | 1.4954% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.4954% | 5,144 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5137% | 1,709 |
| Assets per employee ($millions) | 4.8669% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4447% | 7,141 |
| Loan loss allowance to noncurrent loans | 454.5455% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 6,904 |
| Noncurrent loans to loans | 0.0978% | 6,568 |
| Net loans and leases to total assets | 28.7479% | 7,042 |
| Net loans and leases to deposits | 35.8773% | 7,005 |
| Net loans and leases to core deposits | 36.5522% | 7,027 |
| Total domestic deposits to total assets | 80.1284% | 5,708 |
| Equity capital to assets | 19.5659% | 253 |
| Core capital (leverage) ratio | 19.5685% | 215 |
| Tier 1 risk-based capital ratio | 61.9683% | 89 |
| Total risk-based capital ratio | 62.3749% | 90 |
| Memoranda: | ||
| Average total assets | $39,845,200 | 6,681 |
| Average earning assets | $38,861,400 | 6,573 |
| Average equity | $7,556,600 | 5,698 |
| Average total loans | $11,495,200 | 7,058 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3778% | 7,146 |
| Cost of funding earning assets | 0.8973% | 4,418 |
| Net interest margin | 2.4805% | 7,141 |
| Noninterest income to average assets | 0.2429% | 5,885 |
| Noninterest expense to average assets | 2.2359% | 6,200 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2861% | 5,441 |
| Return on assets (ROA) | 0.2861% | 5,616 |
| Pretax return on assets | 0.4259% | 5,384 |
| Return on Equity (ROE) | 1.5204% | 5,931 |
| Retained earnings to average equity (ytd only) | 1.5204% | 5,376 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0000% | 1,732 |
| Assets per employee ($millions) | 4.9521% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4406% | 7,201 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 6,133 |
| Noncurrent loans to loans | 1.3217% | 4,331 |
| Net loans and leases to total assets | 28.5206% | 7,134 |
| Net loans and leases to deposits | 35.4312% | 7,087 |
| Net loans and leases to core deposits | 36.0829% | 7,118 |
| Total domestic deposits to total assets | 80.4957% | 5,596 |
| Equity capital to assets | 19.1534% | 307 |
| Core capital (leverage) ratio | 19.1635% | 252 |
| Tier 1 risk-based capital ratio | 61.9401% | 105 |
| Total risk-based capital ratio | 62.3480% | 102 |
| Memoranda: | ||
| Average total assets | $40,072,750 | 6,727 |
| Average earning assets | $39,077,750 | 6,625 |
| Average equity | $7,541,250 | 5,735 |
| Average total loans | $11,558,250 | 7,121 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3861% | 7,218 |
| Cost of funding earning assets | 0.9281% | 4,463 |
| Net interest margin | 2.4580% | 7,211 |
| Noninterest income to average assets | 0.2486% | 5,869 |
| Noninterest expense to average assets | 2.2573% | 6,224 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2585% | 5,525 |
| Return on assets (ROA) | 0.2585% | 5,649 |
| Pretax return on assets | 0.3878% | 5,427 |
| Return on Equity (ROE) | 1.3819% | 5,984 |
| Retained earnings to average equity (ytd only) | 1.3819% | 5,299 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3383% | 1,667 |
| Assets per employee ($millions) | 4.9750% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4364% | 7,267 |
| Loan loss allowance to noncurrent loans | 108.6957% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 6,809 |
| Noncurrent loans to loans | 0.4015% | 6,098 |
| Net loans and leases to total assets | 28.6608% | 7,224 |
| Net loans and leases to deposits | 35.5104% | 7,182 |
| Net loans and leases to core deposits | 36.1576% | 7,218 |
| Total domestic deposits to total assets | 80.7111% | 5,621 |
| Equity capital to assets | 18.9799% | 318 |
| Core capital (leverage) ratio | 18.9899% | 276 |
| Tier 1 risk-based capital ratio | 61.4821% | 103 |
| Total risk-based capital ratio | 61.8889% | 104 |
| Memoranda: | ||
| Average total assets | $40,224,670 | 6,781 |
| Average earning assets | $39,219,670 | 6,675 |
| Average equity | $7,525,670 | 5,759 |
| Average total loans | $11,628,000 | 7,185 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 7,262 |
| Cost of funding earning assets | 0.9531% | 4,541 |
| Net interest margin | 2.4536% | 7,226 |
| Noninterest income to average assets | 0.2374% | 6,015 |
| Noninterest expense to average assets | 2.3444% | 6,068 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1879% | 5,825 |
| Return on assets (ROA) | 0.1879% | 5,882 |
| Pretax return on assets | 0.2869% | 5,695 |
| Return on Equity (ROE) | 1.0118% | 6,129 |
| Retained earnings to average equity (ytd only) | 1.0118% | 5,424 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0977% | 1,411 |
| Assets per employee ($millions) | 5.0723% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4330% | 7,329 |
| Loan loss allowance to noncurrent loans | 108.6957% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 6,885 |
| Noncurrent loans to loans | 0.3984% | 6,200 |
| Net loans and leases to total assets | 28.3331% | 7,285 |
| Net loans and leases to deposits | 34.9485% | 7,250 |
| Net loans and leases to core deposits | 35.5691% | 7,276 |
| Total domestic deposits to total assets | 81.0710% | 5,634 |
| Equity capital to assets | 18.5347% | 328 |
| Core capital (leverage) ratio | 18.5445% | 296 |
| Tier 1 risk-based capital ratio | 60.8868% | 104 |
| Total risk-based capital ratio | 61.2914% | 104 |
| Memoranda: | ||
| Average total assets | $40,437,000 | 6,815 |
| Average earning assets | $39,451,500 | 6,704 |
| Average equity | $7,511,500 | 5,772 |
| Average total loans | $11,713,500 | 7,240 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8102% | 7,247 |
| Cost of funding earning assets | 1.2255% | 4,383 |
| Net interest margin | 2.5847% | 7,220 |
| Noninterest income to average assets | 0.2136% | 6,283 |
| Noninterest expense to average assets | 2.1015% | 6,840 |
| Loan and lease loss provision to assets | 0.0270% | 6,855 |
| Net operating income to assets | 0.4002% | 4,537 |
| Return on assets (ROA) | 0.4002% | 4,677 |
| Pretax return on assets | 0.6015% | 4,322 |
| Return on Equity (ROE) | 2.1958% | 5,311 |
| Retained earnings to average equity (ytd only) | 2.1958% | 4,354 |
| Net charge-offs to loans | 0.0949% | 5,896 |
| Credit loss provision to net charge-offs | 91.6667% | 5,057 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 972 |
| Efficiency ratio | 76.9784% | 2,877 |
| Assets per employee ($millions) | 5.0370% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4209% | 7,411 |
| Loan loss allowance to noncurrent loans | 108.6957% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 6,951 |
| Noncurrent loans to loans | 0.3872% | 6,273 |
| Net loans and leases to total assets | 29.3578% | 7,368 |
| Net loans and leases to deposits | 36.2472% | 7,340 |
| Net loans and leases to core deposits | 36.8961% | 7,373 |
| Total domestic deposits to total assets | 80.9932% | 5,525 |
| Equity capital to assets | 18.6172% | 344 |
| Core capital (leverage) ratio | 18.6272% | 295 |
| Tier 1 risk-based capital ratio | 58.0735% | 114 |
| Total risk-based capital ratio | 58.4603% | 114 |
| Memoranda: | ||
| Average total assets | $40,732,400 | 6,835 |
| Average earning assets | $39,657,000 | 6,727 |
| Average equity | $7,423,400 | 5,901 |
| Average total loans | $12,646,200 | 7,270 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 7,338 |
| Cost of funding earning assets | 1.2785% | 4,378 |
| Net interest margin | 2.6241% | 7,294 |
| Noninterest income to average assets | 0.2089% | 6,413 |
| Noninterest expense to average assets | 2.1187% | 6,809 |
| Loan and lease loss provision to assets | 0.0359% | 6,723 |
| Net operating income to assets | 0.4016% | 4,746 |
| Return on assets (ROA) | 0.4016% | 4,919 |
| Pretax return on assets | 0.6072% | 4,573 |
| Return on Equity (ROE) | 2.2151% | 5,524 |
| Retained earnings to average equity (ytd only) | 2.2151% | 4,841 |
| Net charge-offs to loans | 0.1246% | 5,307 |
| Credit loss provision to net charge-offs | 91.6667% | 4,703 |
| Earnings coverage of net charge-offs (x) | 16.4163% | 1,382 |
| Efficiency ratio | 76.7139% | 2,813 |
| Assets per employee ($millions) | 5.7911% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4108% | 7,524 |
| Loan loss allowance to noncurrent loans | 108.6957% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 7,074 |
| Noncurrent loans to loans | 0.3779% | 6,439 |
| Net loans and leases to total assets | 29.9028% | 7,471 |
| Net loans and leases to deposits | 37.4448% | 7,438 |
| Net loans and leases to core deposits | 37.7632% | 7,466 |
| Total domestic deposits to total assets | 79.8584% | 5,751 |
| Equity capital to assets | 18.4124% | 382 |
| Core capital (leverage) ratio | 18.4173% | 327 |
| Tier 1 risk-based capital ratio | 57.9344% | 117 |
| Total risk-based capital ratio | 58.3223% | 120 |
| Memoranda: | ||
| Average total assets | $40,841,500 | 6,914 |
| Average earning assets | $39,733,500 | 6,806 |
| Average equity | $7,403,750 | 5,984 |
| Average total loans | $12,837,750 | 7,355 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9881% | 7,370 |
| Cost of funding earning assets | 1.3294% | 4,342 |
| Net interest margin | 2.6588% | 7,292 |
| Noninterest income to average assets | 0.2052% | 6,441 |
| Noninterest expense to average assets | 2.1054% | 6,889 |
| Loan and lease loss provision to assets | 0.0537% | 6,424 |
| Net operating income to assets | 0.4201% | 4,660 |
| Return on assets (ROA) | 0.4201% | 4,817 |
| Pretax return on assets | 0.6350% | 4,454 |
| Return on Equity (ROE) | 2.3295% | 5,531 |
| Retained earnings to average equity (ytd only) | 2.3295% | 4,673 |
| Net charge-offs to loans | 0.1838% | 4,510 |
| Credit loss provision to net charge-offs | 91.6667% | 4,375 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,731 |
| Efficiency ratio | 75.3497% | 3,195 |
| Assets per employee ($millions) | 5.8121% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3905% | 7,601 |
| Loan loss allowance to noncurrent loans | 108.6957% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 7,106 |
| Noncurrent loans to loans | 0.3593% | 6,516 |
| Net loans and leases to total assets | 31.3457% | 7,499 |
| Net loans and leases to deposits | 39.1509% | 7,459 |
| Net loans and leases to core deposits | 39.4805% | 7,495 |
| Total domestic deposits to total assets | 80.0639% | 5,705 |
| Equity capital to assets | 18.2549% | 389 |
| Core capital (leverage) ratio | 18.2598% | 337 |
| Tier 1 risk-based capital ratio | 57.4378% | 119 |
| Total risk-based capital ratio | 57.8243% | 123 |
| Memoranda: | ||
| Average total assets | $40,942,670 | 6,962 |
| Average earning assets | $39,868,330 | 6,848 |
| Average equity | $7,383,670 | 6,004 |
| Average total loans | $13,059,670 | 7,395 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 7,369 |
| Cost of funding earning assets | 1.3906% | 4,242 |
| Net interest margin | 2.7211% | 7,273 |
| Noninterest income to average assets | 0.1850% | 6,631 |
| Noninterest expense to average assets | 2.1036% | 6,932 |
| Loan and lease loss provision to assets | 0.1071% | 5,556 |
| Net operating income to assets | 0.4090% | 4,797 |
| Return on assets (ROA) | 0.4090% | 4,945 |
| Pretax return on assets | 0.6233% | 4,512 |
| Return on Equity (ROE) | 2.2820% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.2820% | 4,771 |
| Net charge-offs to loans | 0.3640% | 2,960 |
| Credit loss provision to net charge-offs | 91.6667% | 3,629 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,257 |
| Efficiency ratio | 74.2268% | 3,544 |
| Assets per employee ($millions) | 5.9033% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3856% | 7,697 |
| Loan loss allowance to noncurrent loans | 108.6957% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 7,199 |
| Noncurrent loans to loans | 0.3547% | 6,592 |
| Net loans and leases to total assets | 31.2610% | 7,588 |
| Net loans and leases to deposits | 38.9143% | 7,549 |
| Net loans and leases to core deposits | 39.2346% | 7,592 |
| Total domestic deposits to total assets | 80.3330% | 5,669 |
| Equity capital to assets | 17.8666% | 435 |
| Core capital (leverage) ratio | 17.8714% | 377 |
| Tier 1 risk-based capital ratio | 56.0404% | 125 |
| Total risk-based capital ratio | 56.4198% | 126 |
| Memoranda: | ||
| Average total assets | $41,071,500 | 7,054 |
| Average earning assets | $39,984,000 | 6,931 |
| Average equity | $7,362,000 | 6,067 |
| Average total loans | $13,188,000 | 7,482 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5716% | 7,316 |
| Cost of funding earning assets | 1.8420% | 3,772 |
| Net interest margin | 2.7297% | 7,169 |
| Noninterest income to average assets | 0.2743% | 6,148 |
| Noninterest expense to average assets | 2.1367% | 7,109 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5252% | 3,627 |
| Return on assets (ROA) | 0.5236% | 3,720 |
| Pretax return on assets | 0.7953% | 3,257 |
| Return on Equity (ROE) | 2.9004% | 4,548 |
| Retained earnings to average equity (ytd only) | 2.9004% | 3,144 |
| Net charge-offs to loans | 0.0225% | 6,921 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 106.6667% | 263 |
| Efficiency ratio | 72.8122% | 4,134 |
| Assets per employee ($millions) | 5.1025% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3729% | 7,778 |
| Loan loss allowance to noncurrent loans | 60.2410% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 6,954 |
| Noncurrent loans to loans | 0.6190% | 6,008 |
| Net loans and leases to total assets | 32.7242% | 7,636 |
| Net loans and leases to deposits | 40.7953% | 7,600 |
| Net loans and leases to core deposits | 49.1718% | 7,603 |
| Total domestic deposits to total assets | 80.2156% | 5,611 |
| Equity capital to assets | 17.9838% | 445 |
| Core capital (leverage) ratio | 17.9887% | 410 |
| Tier 1 risk-based capital ratio | 55.5404% | 127 |
| Total risk-based capital ratio | 55.9186% | 128 |
| Memoranda: | ||
| Average total assets | $40,109,200 | 7,089 |
| Average earning assets | $39,088,800 | 6,972 |
| Average equity | $7,240,400 | 6,192 |
| Average total loans | $13,347,600 | 7,527 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 7,364 |
| Cost of funding earning assets | 1.9210% | 3,770 |
| Net interest margin | 2.7189% | 7,184 |
| Noninterest income to average assets | 0.2738% | 6,273 |
| Noninterest expense to average assets | 2.1169% | 7,160 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5298% | 3,861 |
| Return on assets (ROA) | 0.5276% | 3,959 |
| Pretax return on assets | 0.8047% | 3,524 |
| Return on Equity (ROE) | 2.9196% | 4,828 |
| Retained earnings to average equity (ytd only) | 2.9196% | 3,689 |
| Net charge-offs to loans | 0.0200% | 6,623 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 120.8464% | 307 |
| Efficiency ratio | 72.3744% | 4,178 |
| Assets per employee ($millions) | 5.0503% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3750% | 7,843 |
| Loan loss allowance to noncurrent loans | 59.5238% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 7,000 |
| Noncurrent loans to loans | 0.6300% | 6,038 |
| Net loans and leases to total assets | 32.8771% | 7,719 |
| Net loans and leases to deposits | 41.0781% | 7,698 |
| Net loans and leases to core deposits | 49.4454% | 7,699 |
| Total domestic deposits to total assets | 80.0356% | 5,421 |
| Equity capital to assets | 18.0511% | 509 |
| Core capital (leverage) ratio | 18.0461% | 451 |
| Tier 1 risk-based capital ratio | 56.2187% | 132 |
| Total risk-based capital ratio | 56.6042% | 133 |
| Memoranda: | ||
| Average total assets | $39,931,500 | 7,155 |
| Average earning assets | $38,936,250 | 7,037 |
| Average equity | $7,215,250 | 6,253 |
| Average total loans | $13,332,500 | 7,605 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 7,329 |
| Cost of funding earning assets | 1.9857% | 3,845 |
| Net interest margin | 2.7594% | 7,088 |
| Noninterest income to average assets | 0.2816% | 6,255 |
| Noninterest expense to average assets | 2.1622% | 7,144 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5313% | 3,977 |
| Return on assets (ROA) | 0.5280% | 4,106 |
| Pretax return on assets | 0.8045% | 3,653 |
| Return on Equity (ROE) | 2.9210% | 4,933 |
| Retained earnings to average equity (ytd only) | 2.9210% | 3,704 |
| Net charge-offs to loans | 0.0300% | 6,045 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 80.5000% | 477 |
| Efficiency ratio | 72.7580% | 4,257 |
| Assets per employee ($millions) | 5.7704% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3752% | 7,927 |
| Loan loss allowance to noncurrent loans | 131.5789% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 7,346 |
| Noncurrent loans to loans | 0.2852% | 6,800 |
| Net loans and leases to total assets | 32.8646% | 7,813 |
| Net loans and leases to deposits | 41.0203% | 7,790 |
| Net loans and leases to core deposits | 48.5837% | 7,787 |
| Total domestic deposits to total assets | 80.1178% | 5,432 |
| Equity capital to assets | 17.9264% | 557 |
| Core capital (leverage) ratio | 17.9214% | 518 |
| Tier 1 risk-based capital ratio | 55.8565% | 146 |
| Total risk-based capital ratio | 56.2423% | 146 |
| Memoranda: | ||
| Average total assets | $39,774,670 | 7,218 |
| Average earning assets | $38,777,000 | 7,102 |
| Average equity | $7,189,330 | 6,305 |
| Average total loans | $13,332,330 | 7,686 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8254% | 7,332 |
| Cost of funding earning assets | 2.0695% | 3,796 |
| Net interest margin | 2.7559% | 7,082 |
| Noninterest income to average assets | 0.2939% | 6,085 |
| Noninterest expense to average assets | 2.1183% | 7,073 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5640% | 4,168 |
| Return on assets (ROA) | 0.5574% | 4,374 |
| Pretax return on assets | 0.8514% | 3,885 |
| Return on Equity (ROE) | 3.0711% | 5,341 |
| Retained earnings to average equity (ytd only) | 3.0711% | 4,167 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0884% | 4,351 |
| Assets per employee ($millions) | 5.6291% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3915% | 7,953 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 7,638 |
| Noncurrent loans to loans | 0.0151% | 7,523 |
| Net loans and leases to total assets | 33.5753% | 7,820 |
| Net loans and leases to deposits | 42.0802% | 7,777 |
| Net loans and leases to core deposits | 50.0303% | 7,793 |
| Total domestic deposits to total assets | 79.7889% | 5,434 |
| Equity capital to assets | 18.2494% | 577 |
| Core capital (leverage) ratio | 18.2443% | 529 |
| Tier 1 risk-based capital ratio | 56.3490% | 155 |
| Total risk-based capital ratio | 56.7565% | 157 |
| Memoranda: | ||
| Average total assets | $39,465,500 | 7,277 |
| Average earning assets | $38,463,000 | 7,148 |
| Average equity | $7,163,500 | 6,347 |
| Average total loans | $13,336,000 | 7,731 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0519% | 7,803 |
| Cost of funding earning assets | 2.5088% | 4,162 |
| Net interest margin | 2.5431% | 7,704 |
| Noninterest income to average assets | 0.2435% | 6,700 |
| Noninterest expense to average assets | 2.0458% | 7,358 |
| Loan and lease loss provision to assets | 0.0128% | 7,211 |
| Net operating income to assets | 0.4409% | 4,987 |
| Return on assets (ROA) | 0.4409% | 4,812 |
| Pretax return on assets | 0.6588% | 4,520 |
| Return on Equity (ROE) | 2.4376% | 5,447 |
| Retained earnings to average equity (ytd only) | 2.4376% | 3,676 |
| Net charge-offs to loans | 0.0593% | 5,931 |
| Credit loss provision to net charge-offs | 62.5000% | 6,198 |
| Earnings coverage of net charge-offs (x) | 32.7500% | 1,100 |
| Efficiency ratio | 75.2830% | 3,360 |
| Assets per employee ($millions) | 4.9409% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3809% | 8,007 |
| Loan loss allowance to noncurrent loans | 127.5000% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 7,141 |
| Noncurrent loans to loans | 0.2987% | 6,485 |
| Net loans and leases to total assets | 33.7466% | 7,899 |
| Net loans and leases to deposits | 41.5468% | 7,908 |
| Net loans and leases to core deposits | 48.6825% | 7,913 |
| Total domestic deposits to total assets | 81.2255% | 4,546 |
| Equity capital to assets | 18.0535% | 645 |
| Core capital (leverage) ratio | 18.0459% | 602 |
| Tier 1 risk-based capital ratio | 55.7353% | 173 |
| Total risk-based capital ratio | 56.1338% | 176 |
| Memoranda: | ||
| Average total assets | $39,007,400 | 7,259 |
| Average earning assets | $37,946,000 | 7,144 |
| Average equity | $7,056,200 | 6,439 |
| Average total loans | $13,498,200 | 7,737 |