Home > Heritage Bank > Performance and Condition Ratios
Heritage Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9849% | 649 |
| Cost of funding earning assets | 1.5484% | 1,815 |
| Net interest margin | 4.4364% | 672 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.4710% | 2,381 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.6506% | 795 |
| Return on assets (ROA) | 1.6506% | 763 |
| Pretax return on assets | 1.6506% | 1,148 |
| Return on Equity (ROE) | 15.3900% | 1,210 |
| Retained earnings to average equity (ytd only) | 14.5205% | 363 |
| 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 | 57.5006% | 3,344 |
| Assets per employee ($millions) | 7.5925% | 1,663 |
| Cash dividends to net income (ytd only)* | 5.6220% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 2,416 |
| Loan loss allowance to noncurrent loans | 2,241.6667% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 3,327 |
| Noncurrent loans to loans | 0.0526% | 3,346 |
| Net loans and leases to total assets | 79.2100% | 739 |
| Net loans and leases to deposits | 102.4182% | 417 |
| Net loans and leases to core deposits | 119.1014% | 651 |
| Total domestic deposits to total assets | 77.3400% | 3,804 |
| Equity capital to assets | 10.3357% | 1,827 |
| Core capital (leverage) ratio | 11.4110% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5104% | 2,061 |
| Memoranda: | ||
| Average total assets | $101,293,600 | 3,824 |
| Average earning assets | $95,257,000 | 3,787 |
| Average equity | $10,867,400 | 3,632 |
| Average total loans | $82,486,400 | 3,372 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7936% | 696 |
| Cost of funding earning assets | 1.3078% | 2,129 |
| Net interest margin | 4.4858% | 631 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.5119% | 2,202 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.7959% | 676 |
| Return on assets (ROA) | 1.7959% | 668 |
| Pretax return on assets | 1.7959% | 1,015 |
| Return on Equity (ROE) | 16.5600% | 1,158 |
| Retained earnings to average equity (ytd only) | 15.6866% | 491 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.8224% | 3,328 |
| Assets per employee ($millions) | 7.1191% | 1,867 |
| Cash dividends to net income (ytd only)* | 5.2950% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 2,942 |
| Loan loss allowance to noncurrent loans | 99.1911% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.9261% | 577 |
| Noncurrent loans to loans | 1.0933% | 719 |
| Net loans and leases to total assets | 83.7900% | 295 |
| Net loans and leases to deposits | 102.8531% | 395 |
| Net loans and leases to core deposits | 113.5498% | 751 |
| Total domestic deposits to total assets | 81.4600% | 3,315 |
| Equity capital to assets | 10.6277% | 1,500 |
| Core capital (leverage) ratio | 11.4786% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3318% | 2,145 |
| Memoranda: | ||
| Average total assets | $98,145,250 | 3,857 |
| Average earning assets | $93,894,500 | 3,818 |
| Average equity | $10,641,500 | 3,659 |
| Average total loans | $80,286,250 | 3,410 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6512% | 686 |
| Cost of funding earning assets | 1.1026% | 2,274 |
| Net interest margin | 4.5486% | 580 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.5235% | 2,139 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.8601% | 601 |
| Return on assets (ROA) | 1.8601% | 595 |
| Pretax return on assets | 1.8601% | 919 |
| Return on Equity (ROE) | 17.0300% | 1,095 |
| Retained earnings to average equity (ytd only) | 16.1450% | 457 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.5381% | 3,350 |
| Assets per employee ($millions) | 6.7535% | 2,098 |
| Cash dividends to net income (ytd only)* | 5.1919% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 2,827 |
| Loan loss allowance to noncurrent loans | 975.0000% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 2,875 |
| Noncurrent loans to loans | 0.1153% | 2,901 |
| Net loans and leases to total assets | 81.3000% | 492 |
| Net loans and leases to deposits | 97.9391% | 608 |
| Net loans and leases to core deposits | 106.3219% | 970 |
| Total domestic deposits to total assets | 83.0100% | 3,046 |
| Equity capital to assets | 10.7392% | 1,497 |
| Core capital (leverage) ratio | 11.4718% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5663% | 2,075 |
| Memoranda: | ||
| Average total assets | $95,264,667 | 3,891 |
| Average earning assets | $91,061,000 | 3,855 |
| Average equity | $10,405,667 | 3,687 |
| Average total loans | $76,896,333 | 3,463 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3893% | 739 |
| Cost of funding earning assets | 0.9304% | 2,270 |
| Net interest margin | 4.4589% | 620 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.5107% | 2,219 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.8429% | 625 |
| Return on assets (ROA) | 1.8429% | 612 |
| Pretax return on assets | 1.8429% | 997 |
| Return on Equity (ROE) | 16.7200% | 1,219 |
| Retained earnings to average equity (ytd only) | 15.8521% | 704 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.8204% | 3,321 |
| Assets per employee ($millions) | 6.8161% | 2,108 |
| Cash dividends to net income (ytd only)* | 5.1765% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,533 |
| Loan loss allowance to noncurrent loans | 800.8772% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 2,677 |
| Noncurrent loans to loans | 0.1502% | 2,743 |
| Net loans and leases to total assets | 78.5700% | 703 |
| Net loans and leases to deposits | 93.4363% | 820 |
| Net loans and leases to core deposits | 95.9435% | 1,286 |
| Total domestic deposits to total assets | 84.0900% | 3,076 |
| Equity capital to assets | 10.9143% | 1,372 |
| Core capital (leverage) ratio | 11.4592% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1442% | 1,928 |
| Memoranda: | ||
| Average total assets | $92,246,000 | 3,971 |
| Average earning assets | $88,990,500 | 3,928 |
| Average equity | $10,169,000 | 3,764 |
| Average total loans | $73,697,500 | 3,548 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 1,012 |
| Cost of funding earning assets | 0.4041% | 2,061 |
| Net interest margin | 3.9219% | 911 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.4047% | 2,412 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.4604% | 981 |
| Return on assets (ROA) | 1.4604% | 941 |
| Pretax return on assets | 1.4604% | 1,571 |
| Return on Equity (ROE) | 13.9200% | 1,553 |
| Retained earnings to average equity (ytd only) | 12.8288% | 532 |
| Net charge-offs to loans | -0.0197% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.1461% | 2,886 |
| Assets per employee ($millions) | 6.8513% | 2,080 |
| Cash dividends to net income (ytd only)* | 7.8704% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,117 |
| Loan loss allowance to noncurrent loans | 680.3030% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 2,499 |
| Noncurrent loans to loans | 0.1846% | 2,565 |
| Net loans and leases to total assets | 79.2700% | 674 |
| Net loans and leases to deposits | 94.8343% | 722 |
| Net loans and leases to core deposits | 97.5680% | 1,123 |
| Total domestic deposits to total assets | 83.5900% | 3,297 |
| Equity capital to assets | 11.1411% | 1,205 |
| Core capital (leverage) ratio | 11.8579% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7936% | 1,696 |
| Memoranda: | ||
| Average total assets | $88,741,200 | 4,030 |
| Average earning assets | $86,362,000 | 3,965 |
| Average equity | $9,307,200 | 3,963 |
| Average total loans | $65,939,800 | 3,644 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 1,031 |
| Cost of funding earning assets | 0.3485% | 1,720 |
| Net interest margin | 3.7706% | 997 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.4092% | 2,289 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.3068% | 1,327 |
| Return on assets (ROA) | 1.3068% | 1,295 |
| Pretax return on assets | 1.3068% | 2,029 |
| Return on Equity (ROE) | 12.6600% | 1,819 |
| Retained earnings to average equity (ytd only) | 11.5220% | 913 |
| Net charge-offs to loans | -0.0269% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.6725% | 2,596 |
| Assets per employee ($millions) | 6.4783% | 2,341 |
| Cash dividends to net income (ytd only)* | 8.9758% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 2,238 |
| Loan loss allowance to noncurrent loans | 654.0741% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 2,567 |
| Noncurrent loans to loans | 0.1920% | 2,642 |
| Net loans and leases to total assets | 76.5700% | 852 |
| Net loans and leases to deposits | 89.2130% | 948 |
| Net loans and leases to core deposits | 91.1821% | 1,223 |
| Total domestic deposits to total assets | 85.8300% | 3,104 |
| Equity capital to assets | 10.4404% | 1,402 |
| Core capital (leverage) ratio | 10.8852% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0270% | 1,706 |
| Memoranda: | ||
| Average total assets | $88,659,750 | 4,060 |
| Average earning assets | $86,455,500 | 3,989 |
| Average equity | $9,153,250 | 4,019 |
| Average total loans | $64,548,500 | 3,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8792% | 1,152 |
| Cost of funding earning assets | 0.3548% | 1,223 |
| Net interest margin | 3.5244% | 1,250 |
| Noninterest income to average assets | 0.1000% | 4,482 |
| Noninterest expense to average assets | 2.4142% | 2,183 |
| Loan and lease loss provision to assets | 0.0682% | 1,393 |
| Net operating income to assets | 1.0502% | 1,978 |
| Return on assets (ROA) | 1.0502% | 1,947 |
| Pretax return on assets | 1.0502% | 2,570 |
| Return on Equity (ROE) | 10.2122% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.0628% | 1,273 |
| Net charge-offs to loans | -0.0415% | 4,163 |
| Credit loss provision to net charge-offs | -230.7692% | 3,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3398% | 2,194 |
| Assets per employee ($millions) | 7.3007% | 1,736 |
| Cash dividends to net income (ytd only)* | 11.2554% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 2,030 |
| Loan loss allowance to noncurrent loans | 578.6667% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 1,472 |
| Noncurrent loans to loans | 0.2305% | 2,567 |
| Net loans and leases to total assets | 73.2741% | 978 |
| Net loans and leases to deposits | 83.6208% | 1,145 |
| Net loans and leases to core deposits | 85.8461% | 1,346 |
| Total domestic deposits to total assets | 87.6267% | 2,723 |
| Equity capital to assets | 10.4682% | 1,446 |
| Core capital (leverage) ratio | 10.3494% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9745% | 1,438 |
| Memoranda: | ||
| Average total assets | $87,981,000 | 4,103 |
| Average earning assets | $85,687,333 | 4,052 |
| Average equity | $9,048,000 | 4,097 |
| Average total loans | $62,621,333 | 3,750 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6875% | 1,297 |
| Cost of funding earning assets | 0.3627% | 1,113 |
| Net interest margin | 3.3248% | 1,513 |
| Noninterest income to average assets | 0.0590% | 4,636 |
| Noninterest expense to average assets | 2.4000% | 2,161 |
| Loan and lease loss provision to assets | 0.0681% | 1,204 |
| Net operating income to assets | 0.8348% | 2,536 |
| Return on assets (ROA) | 0.8348% | 2,530 |
| Pretax return on assets | 0.8348% | 2,996 |
| Return on Equity (ROE) | 8.1901% | 2,607 |
| Retained earnings to average equity (ytd only) | 6.9437% | 1,906 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6648% | 1,889 |
| Assets per employee ($millions) | 7.4811% | 1,696 |
| Cash dividends to net income (ytd only)* | 15.2174% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 2,136 |
| Loan loss allowance to noncurrent loans | 509.0909% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 1,522 |
| Noncurrent loans to loans | 0.2642% | 2,527 |
| Net loans and leases to total assets | 68.6287% | 1,144 |
| Net loans and leases to deposits | 77.6923% | 1,310 |
| Net loans and leases to core deposits | 79.6849% | 1,506 |
| Total domestic deposits to total assets | 88.3339% | 2,372 |
| Equity capital to assets | 9.9930% | 1,893 |
| Core capital (leverage) ratio | 10.3401% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3771% | 1,407 |
| Memoranda: | ||
| Average total assets | $88,167,500 | 4,119 |
| Average earning assets | $86,020,000 | 4,063 |
| Average equity | $8,986,500 | 4,162 |
| Average total loans | $61,401,000 | 3,771 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 904 |
| Cost of funding earning assets | 0.6005% | 539 |
| Net interest margin | 3.6614% | 1,310 |
| Noninterest income to average assets | 0.1082% | 4,571 |
| Noninterest expense to average assets | 2.6712% | 1,711 |
| Loan and lease loss provision to assets | 0.3090% | 261 |
| Net operating income to assets | 0.6756% | 3,683 |
| Return on assets (ROA) | 0.6756% | 3,733 |
| Pretax return on assets | 0.6756% | 3,979 |
| Return on Equity (ROE) | 7.4905% | 3,377 |
| Retained earnings to average equity (ytd only) | 6.1444% | 2,298 |
| Net charge-offs to loans | -0.0175% | 3,934 |
| Credit loss provision to net charge-offs | -2,570.0000% | 4,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0681% | 1,406 |
| Assets per employee ($millions) | 7.2135% | 1,782 |
| Cash dividends to net income (ytd only)* | 17.9715% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 2,066 |
| Loan loss allowance to noncurrent loans | 434.2105% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 1,480 |
| Noncurrent loans to loans | 0.3148% | 2,461 |
| Net loans and leases to total assets | 68.7681% | 1,178 |
| Net loans and leases to deposits | 78.6406% | 1,337 |
| Net loans and leases to core deposits | 81.0741% | 1,515 |
| Total domestic deposits to total assets | 87.4460% | 2,315 |
| Equity capital to assets | 10.3995% | 2,265 |
| Core capital (leverage) ratio | 10.3727% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1718% | 1,459 |
| Memoranda: | ||
| Average total assets | $83,182,800 | 4,176 |
| Average earning assets | $80,598,400 | 4,125 |
| Average equity | $7,502,800 | 4,379 |
| Average total loans | $57,152,200 | 3,869 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2772% | 984 |
| Cost of funding earning assets | 0.6649% | 463 |
| Net interest margin | 3.6124% | 1,570 |
| Noninterest income to average assets | 0.0858% | 4,720 |
| Noninterest expense to average assets | 2.6136% | 1,801 |
| Loan and lease loss provision to assets | 0.3923% | 166 |
| Net operating income to assets | 0.5732% | 4,057 |
| Return on assets (ROA) | 0.5732% | 4,099 |
| Pretax return on assets | 0.5732% | 4,271 |
| Return on Equity (ROE) | 6.6216% | 3,771 |
| Retained earnings to average equity (ytd only) | 5.1813% | 3,149 |
| Net charge-offs to loans | -0.0237% | 4,038 |
| Credit loss provision to net charge-offs | -2,420.0000% | 4,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0317% | 1,301 |
| Assets per employee ($millions) | 6.7046% | 2,092 |
| Cash dividends to net income (ytd only)* | 21.7514% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 2,142 |
| Loan loss allowance to noncurrent loans | 395.1220% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 1,631 |
| Noncurrent loans to loans | 0.3469% | 2,536 |
| Net loans and leases to total assets | 66.8713% | 1,445 |
| Net loans and leases to deposits | 76.0365% | 1,668 |
| Net loans and leases to core deposits | 78.6838% | 1,842 |
| Total domestic deposits to total assets | 87.9463% | 1,880 |
| Equity capital to assets | 10.1618% | 2,748 |
| Core capital (leverage) ratio | 10.0309% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4252% | 1,508 |
| Memoranda: | ||
| Average total assets | $82,338,000 | 4,235 |
| Average earning assets | $79,613,250 | 4,188 |
| Average equity | $7,128,000 | 4,474 |
| Average total loans | $56,352,250 | 3,938 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 1,158 |
| Cost of funding earning assets | 0.7079% | 448 |
| Net interest margin | 3.5087% | 1,836 |
| Noninterest income to average assets | 0.0842% | 4,747 |
| Noninterest expense to average assets | 2.6012% | 1,847 |
| Loan and lease loss provision to assets | 0.4137% | 147 |
| Net operating income to assets | 0.4583% | 4,288 |
| Return on assets (ROA) | 0.4583% | 4,330 |
| Pretax return on assets | 0.4583% | 4,444 |
| Return on Equity (ROE) | 5.6474% | 3,985 |
| Retained earnings to average equity (ytd only) | 4.0295% | 3,507 |
| Net charge-offs to loans | -0.0361% | 4,230 |
| Credit loss provision to net charge-offs | -1,670.0000% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8930% | 1,169 |
| Assets per employee ($millions) | 5.9973% | 2,613 |
| Cash dividends to net income (ytd only)* | 28.6486% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 2,452 |
| Loan loss allowance to noncurrent loans | 319.1304% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 1,597 |
| Noncurrent loans to loans | 0.4064% | 2,462 |
| Net loans and leases to total assets | 66.5265% | 1,629 |
| Net loans and leases to deposits | 73.3195% | 2,067 |
| Net loans and leases to core deposits | 76.8798% | 2,150 |
| Total domestic deposits to total assets | 90.7351% | 468 |
| Equity capital to assets | 7.8798% | 4,586 |
| Core capital (leverage) ratio | 7.9833% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0626% | 2,345 |
| Memoranda: | ||
| Average total assets | $80,730,667 | 4,280 |
| Average earning assets | $77,977,333 | 4,232 |
| Average equity | $6,551,667 | 4,565 |
| Average total loans | $55,438,000 | 3,982 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 1,321 |
| Cost of funding earning assets | 0.7516% | 446 |
| Net interest margin | 3.3796% | 2,160 |
| Noninterest income to average assets | 0.0808% | 4,759 |
| Noninterest expense to average assets | 2.6461% | 1,751 |
| Loan and lease loss provision to assets | 0.2929% | 324 |
| Net operating income to assets | 0.3888% | 4,380 |
| Return on assets (ROA) | 0.3888% | 4,407 |
| Pretax return on assets | 0.3888% | 4,498 |
| Return on Equity (ROE) | 4.7243% | 4,148 |
| Retained earnings to average equity (ytd only) | 3.0064% | 3,782 |
| Net charge-offs to loans | -0.0073% | 3,539 |
| Credit loss provision to net charge-offs | -5,800.0000% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5144% | 848 |
| Assets per employee ($millions) | 6.9419% | 1,834 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,666 |
| Loan loss allowance to noncurrent loans | 251.8367% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 1,722 |
| Noncurrent loans to loans | 0.4156% | 2,607 |
| Net loans and leases to total assets | 70.0299% | 1,284 |
| Net loans and leases to deposits | 78.6118% | 1,657 |
| Net loans and leases to core deposits | 83.1059% | 1,745 |
| Total domestic deposits to total assets | 89.0832% | 1,300 |
| Equity capital to assets | 7.8557% | 4,570 |
| Core capital (leverage) ratio | 8.2841% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3270% | 2,556 |
| Memoranda: | ||
| Average total assets | $79,210,500 | 4,317 |
| Average earning assets | $76,104,500 | 4,279 |
| Average equity | $6,519,500 | 4,585 |
| Average total loans | $54,971,000 | 4,010 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 1,143 |
| Cost of funding earning assets | 1.0188% | 554 |
| Net interest margin | 3.5563% | 2,289 |
| Noninterest income to average assets | 0.1566% | 4,511 |
| Noninterest expense to average assets | 2.8572% | 1,796 |
| Loan and lease loss provision to assets | 0.2726% | 1,411 |
| Net operating income to assets | 0.4571% | 4,121 |
| Return on assets (ROA) | 0.4571% | 4,204 |
| Pretax return on assets | 0.4571% | 4,338 |
| Return on Equity (ROE) | 5.1116% | 3,875 |
| Retained earnings to average equity (ytd only) | 3.2358% | 3,211 |
| Net charge-offs to loans | 0.3029% | 574 |
| Credit loss provision to net charge-offs | 120.3704% | 2,631 |
| Earnings coverage of net charge-offs (x) | 3.2222% | 3,103 |
| Efficiency ratio | 79.6571% | 915 |
| Assets per employee ($millions) | 6.2598% | 2,115 |
| Cash dividends to net income (ytd only)* | 36.6972% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,494 |
| Loan loss allowance to noncurrent loans | 214.6154% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 1,648 |
| Noncurrent loans to loans | 0.5099% | 2,440 |
| Net loans and leases to total assets | 67.1344% | 1,936 |
| Net loans and leases to deposits | 74.7277% | 2,408 |
| Net loans and leases to core deposits | 79.4248% | 2,412 |
| Total domestic deposits to total assets | 89.8387% | 625 |
| Equity capital to assets | 8.6464% | 4,340 |
| Core capital (leverage) ratio | 8.4896% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5088% | 2,048 |
| Memoranda: | ||
| Average total assets | $71,537,600 | 4,360 |
| Average earning assets | $69,003,400 | 4,310 |
| Average equity | $6,397,200 | 4,594 |
| Average total loans | $53,477,400 | 4,037 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5792% | 1,370 |
| Cost of funding earning assets | 1.0513% | 636 |
| Net interest margin | 3.5278% | 2,492 |
| Noninterest income to average assets | 0.1661% | 4,471 |
| Noninterest expense to average assets | 2.9519% | 1,558 |
| Loan and lease loss provision to assets | 0.2038% | 1,962 |
| Net operating income to assets | 0.4303% | 4,205 |
| Return on assets (ROA) | 0.4303% | 4,269 |
| Pretax return on assets | 0.4303% | 4,402 |
| Return on Equity (ROE) | 4.7702% | 3,949 |
| Retained earnings to average equity (ytd only) | 3.0546% | 3,501 |
| Net charge-offs to loans | 0.0049% | 2,966 |
| Credit loss provision to net charge-offs | 5,400.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 555 |
| Efficiency ratio | 82.3158% | 717 |
| Assets per employee ($millions) | 6.4133% | 1,902 |
| Cash dividends to net income (ytd only)* | 35.9649% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 2,748 |
| Loan loss allowance to noncurrent loans | 242.3077% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 1,847 |
| Noncurrent loans to loans | 0.4894% | 2,595 |
| Net loans and leases to total assets | 68.2116% | 2,208 |
| Net loans and leases to deposits | 77.8627% | 2,545 |
| Net loans and leases to core deposits | 83.2013% | 2,563 |
| Total domestic deposits to total assets | 87.6051% | 1,394 |
| Equity capital to assets | 8.3720% | 4,538 |
| Core capital (leverage) ratio | 8.5666% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5757% | 1,973 |
| Memoranda: | ||
| Average total assets | $70,642,750 | 4,378 |
| Average earning assets | $68,482,500 | 4,327 |
| Average equity | $6,372,750 | 4,622 |
| Average total loans | $54,099,750 | 4,045 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7287% | 1,336 |
| Cost of funding earning assets | 1.0984% | 718 |
| Net interest margin | 3.6303% | 2,378 |
| Noninterest income to average assets | 0.2247% | 4,143 |
| Noninterest expense to average assets | 3.0786% | 1,408 |
| Loan and lease loss provision to assets | 0.2072% | 1,982 |
| Net operating income to assets | 0.4494% | 4,130 |
| Return on assets (ROA) | 0.4494% | 4,192 |
| Pretax return on assets | 0.4494% | 4,331 |
| Return on Equity (ROE) | 4.8509% | 3,868 |
| Retained earnings to average equity (ytd only) | 3.1184% | 3,334 |
| Net charge-offs to loans | 0.0073% | 2,690 |
| Credit loss provision to net charge-offs | 3,550.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 653 |
| Efficiency ratio | 82.4219% | 732 |
| Assets per employee ($millions) | 6.2790% | 1,968 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 3,538 |
| Loan loss allowance to noncurrent loans | 228.4615% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 1,868 |
| Noncurrent loans to loans | 0.4404% | 2,838 |
| Net loans and leases to total assets | 77.5588% | 910 |
| Net loans and leases to deposits | 95.7169% | 821 |
| Net loans and leases to core deposits | 102.0751% | 1,112 |
| Total domestic deposits to total assets | 81.0294% | 3,601 |
| Equity capital to assets | 8.4992% | 4,479 |
| Core capital (leverage) ratio | 8.9374% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3379% | 2,468 |
| Memoranda: | ||
| Average total assets | $68,537,333 | 4,425 |
| Average earning assets | $66,276,000 | 4,370 |
| Average equity | $6,349,333 | 4,645 |
| Average total loans | $54,424,667 | 4,047 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9951% | 979 |
| Cost of funding earning assets | 1.1914% | 796 |
| Net interest margin | 3.8037% | 1,956 |
| Noninterest income to average assets | 0.0860% | 4,878 |
| Noninterest expense to average assets | 3.2734% | 1,278 |
| Loan and lease loss provision to assets | 0.0921% | 2,536 |
| Net operating income to assets | 0.3869% | 4,168 |
| Return on assets (ROA) | 0.3869% | 4,202 |
| Pretax return on assets | 0.3869% | 4,314 |
| Return on Equity (ROE) | 3.9861% | 3,954 |
| Retained earnings to average equity (ytd only) | 2.2778% | 3,339 |
| Net charge-offs to loans | 0.0153% | 2,063 |
| Credit loss provision to net charge-offs | 750.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,041 |
| Efficiency ratio | 87.2340% | 619 |
| Assets per employee ($millions) | 5.0715% | 2,569 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 3,626 |
| Loan loss allowance to noncurrent loans | 222.3140% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.8934% | 1,506 |
| Noncurrent loans to loans | 0.4565% | 2,884 |
| Net loans and leases to total assets | 79.5965% | 745 |
| Net loans and leases to deposits | 94.4664% | 1,039 |
| Net loans and leases to core deposits | 101.8812% | 1,337 |
| Total domestic deposits to total assets | 84.2591% | 2,692 |
| Equity capital to assets | 9.6390% | 4,093 |
| Core capital (leverage) ratio | 9.7137% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9526% | 2,307 |
| Memoranda: | ||
| Average total assets | $65,132,000 | 4,482 |
| Average earning assets | $62,781,500 | 4,435 |
| Average equity | $6,322,000 | 4,684 |
| Average total loans | $52,120,500 | 4,111 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 1,236 |
| Cost of funding earning assets | 1.1775% | 1,079 |
| Net interest margin | 3.9120% | 2,132 |
| Noninterest income to average assets | 0.0981% | 4,934 |
| Noninterest expense to average assets | 3.3156% | 1,264 |
| Loan and lease loss provision to assets | 0.0490% | 3,042 |
| Net operating income to assets | 0.4921% | 4,421 |
| Return on assets (ROA) | 0.4921% | 4,469 |
| Pretax return on assets | 0.4921% | 4,590 |
| Return on Equity (ROE) | 4.8683% | 4,247 |
| Retained earnings to average equity (ytd only) | 3.0892% | 3,479 |
| Net charge-offs to loans | 0.1052% | 1,677 |
| Credit loss provision to net charge-offs | 58.8235% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.4902% | 2,975 |
| Efficiency ratio | 85.9686% | 541 |
| Assets per employee ($millions) | 4.9488% | 2,661 |
| Cash dividends to net income (ytd only)* | 36.5449% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 3,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 2,247 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 78.8090% | 961 |
| Net loans and leases to deposits | 94.7080% | 1,086 |
| Net loans and leases to core deposits | 102.4242% | 1,366 |
| Total domestic deposits to total assets | 83.2126% | 3,131 |
| Equity capital to assets | 9.7755% | 4,129 |
| Core capital (leverage) ratio | 10.1769% | 3,328 |
| Tier 1 risk-based capital ratio | 12.7061% | 3,944 |
| Total risk-based capital ratio | 13.7650% | 3,944 |
| Memoranda: | ||
| Average total assets | $61,164,600 | 4,584 |
| Average earning assets | $58,767,800 | 4,542 |
| Average equity | $6,182,800 | 4,736 |
| Average total loans | $48,484,600 | 4,215 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1156% | 1,256 |
| Cost of funding earning assets | 1.1657% | 1,124 |
| Net interest margin | 3.9499% | 2,104 |
| Noninterest income to average assets | 0.0950% | 5,006 |
| Noninterest expense to average assets | 3.4187% | 1,052 |
| Loan and lease loss provision to assets | 0.0398% | 3,107 |
| Net operating income to assets | 0.4306% | 4,657 |
| Return on assets (ROA) | 0.4306% | 4,692 |
| Pretax return on assets | 0.4306% | 4,775 |
| Return on Equity (ROE) | 4.2232% | 4,548 |
| Retained earnings to average equity (ytd only) | 2.4473% | 4,120 |
| Net charge-offs to loans | 0.0167% | 2,808 |
| Credit loss provision to net charge-offs | 300.0000% | 946 |
| Earnings coverage of net charge-offs (x) | 35.4988% | 1,467 |
| Efficiency ratio | 87.9046% | 402 |
| Assets per employee ($millions) | 4.6579% | 2,958 |
| Cash dividends to net income (ytd only)* | 42.0516% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,741 |
| Loan loss allowance to noncurrent loans | 364.0523% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6672% | 2,020 |
| Noncurrent loans to loans | 0.3177% | 3,390 |
| Net loans and leases to total assets | 78.6220% | 1,043 |
| Net loans and leases to deposits | 95.3896% | 1,086 |
| Net loans and leases to core deposits | 102.9473% | 1,414 |
| Total domestic deposits to total assets | 82.4220% | 3,349 |
| Equity capital to assets | 10.2637% | 3,760 |
| Core capital (leverage) ratio | 10.2229% | 3,396 |
| Tier 1 risk-based capital ratio | 14.2232% | 3,210 |
| Total risk-based capital ratio | 15.4736% | 3,115 |
| Memoranda: | ||
| Average total assets | $60,372,250 | 4,652 |
| Average earning assets | $57,991,250 | 4,614 |
| Average equity | $6,156,250 | 4,804 |
| Average total loans | $47,799,500 | 4,277 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1087% | 1,193 |
| Cost of funding earning assets | 1.1303% | 1,195 |
| Net interest margin | 3.9784% | 1,989 |
| Noninterest income to average assets | 0.0929% | 5,067 |
| Noninterest expense to average assets | 3.4189% | 1,070 |
| Loan and lease loss provision to assets | 0.0398% | 3,018 |
| Net operating income to assets | 0.4510% | 4,640 |
| Return on assets (ROA) | 0.4510% | 4,666 |
| Pretax return on assets | 0.4510% | 4,761 |
| Return on Equity (ROE) | 4.4324% | 4,485 |
| Retained earnings to average equity (ytd only) | 2.6399% | 3,881 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4470% | 465 |
| Assets per employee ($millions) | 5.0627% | 2,401 |
| Cash dividends to net income (ytd only)* | 40.4412% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 2,725 |
| Loan loss allowance to noncurrent loans | 366.4474% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 2,026 |
| Noncurrent loans to loans | 0.3170% | 3,399 |
| Net loans and leases to total assets | 78.0106% | 1,214 |
| Net loans and leases to deposits | 95.1953% | 1,129 |
| Net loans and leases to core deposits | 99.7055% | 1,752 |
| Total domestic deposits to total assets | 81.9479% | 3,528 |
| Equity capital to assets | 10.1807% | 3,805 |
| Core capital (leverage) ratio | 10.2325% | 3,354 |
| Tier 1 risk-based capital ratio | 14.2000% | 3,211 |
| Total risk-based capital ratio | 15.4502% | 3,127 |
| Memoranda: | ||
| Average total assets | $60,312,000 | 4,688 |
| Average earning assets | $57,862,000 | 4,651 |
| Average equity | $6,136,670 | 4,836 |
| Average total loans | $47,677,670 | 4,309 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 1,175 |
| Cost of funding earning assets | 1.1135% | 1,144 |
| Net interest margin | 3.9529% | 2,011 |
| Noninterest income to average assets | 0.0865% | 5,129 |
| Noninterest expense to average assets | 3.4347% | 1,063 |
| Loan and lease loss provision to assets | 0.0266% | 3,077 |
| Net operating income to assets | 0.4060% | 4,719 |
| Return on assets (ROA) | 0.4060% | 4,733 |
| Pretax return on assets | 0.4060% | 4,832 |
| Return on Equity (ROE) | 3.9918% | 4,576 |
| Retained earnings to average equity (ytd only) | 2.2249% | 4,002 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8124% | 444 |
| Assets per employee ($millions) | 4.9624% | 2,571 |
| Cash dividends to net income (ytd only)* | 44.2623% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 2,868 |
| Loan loss allowance to noncurrent loans | 361.1842% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 1,444 |
| Noncurrent loans to loans | 0.3179% | 3,431 |
| Net loans and leases to total assets | 79.3834% | 924 |
| Net loans and leases to deposits | 93.9969% | 1,178 |
| Net loans and leases to core deposits | 99.9746% | 1,624 |
| Total domestic deposits to total assets | 84.4531% | 2,865 |
| Equity capital to assets | 10.2974% | 3,526 |
| Core capital (leverage) ratio | 10.2532% | 3,326 |
| Tier 1 risk-based capital ratio | 14.1092% | 3,292 |
| Total risk-based capital ratio | 15.3632% | 3,209 |
| Memoranda: | ||
| Average total assets | $60,092,000 | 4,746 |
| Average earning assets | $57,477,000 | 4,706 |
| Average equity | $6,112,500 | 4,879 |
| Average total loans | $47,541,500 | 4,357 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7811% | 1,592 |
| Cost of funding earning assets | 0.7792% | 1,639 |
| Net interest margin | 4.0019% | 1,981 |
| Noninterest income to average assets | -0.2096% | 5,385 |
| Noninterest expense to average assets | 3.4930% | 1,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1275% | 5,163 |
| Return on assets (ROA) | 0.1275% | 5,156 |
| Pretax return on assets | 0.1275% | 5,161 |
| Return on Equity (ROE) | 1.2077% | 5,138 |
| Retained earnings to average equity (ytd only) | -0.2647% | 5,016 |
| Net charge-offs to loans | -0.0285% | 4,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4785% | 204 |
| Assets per employee ($millions) | 5.0529% | 2,431 |
| Cash dividends to net income (ytd only)* | 121.9178% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 2,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 1,962 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 77.0463% | 1,434 |
| Net loans and leases to deposits | 92.9710% | 1,406 |
| Net loans and leases to core deposits | 98.2585% | 1,851 |
| Total domestic deposits to total assets | 82.8713% | 3,371 |
| Equity capital to assets | 10.0487% | 3,633 |
| Core capital (leverage) ratio | 10.3795% | 3,160 |
| Tier 1 risk-based capital ratio | 14.4055% | 3,110 |
| Total risk-based capital ratio | 15.6554% | 3,027 |
| Memoranda: | ||
| Average total assets | $57,257,400 | 4,811 |
| Average earning assets | $54,799,400 | 4,772 |
| Average equity | $6,044,600 | 4,889 |
| Average total loans | $45,646,000 | 4,415 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 1,703 |
| Cost of funding earning assets | 0.7158% | 1,768 |
| Net interest margin | 3.9761% | 2,027 |
| Noninterest income to average assets | -0.3238% | 5,461 |
| Noninterest expense to average assets | 3.4766% | 1,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0071% | 5,296 |
| Return on assets (ROA) | 0.0071% | 5,293 |
| Pretax return on assets | 0.0071% | 5,290 |
| Return on Equity (ROE) | 0.0663% | 5,294 |
| Retained earnings to average equity (ytd only) | -1.2819% | 5,152 |
| Net charge-offs to loans | -0.0354% | 4,807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7965% | 158 |
| Assets per employee ($millions) | 4.8419% | 2,667 |
| Cash dividends to net income (ytd only)* | 2,033.2500% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 2,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 2,013 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 79.9528% | 1,027 |
| Net loans and leases to deposits | 97.5146% | 997 |
| Net loans and leases to core deposits | 102.3080% | 1,578 |
| Total domestic deposits to total assets | 81.9906% | 3,612 |
| Equity capital to assets | 10.4125% | 3,223 |
| Core capital (leverage) ratio | 10.6696% | 2,913 |
| Tier 1 risk-based capital ratio | 14.5040% | 3,126 |
| Total risk-based capital ratio | 15.7544% | 3,037 |
| Memoranda: | ||
| Average total assets | $56,413,000 | 4,879 |
| Average earning assets | $54,021,500 | 4,839 |
| Average equity | $6,032,500 | 4,941 |
| Average total loans | $45,242,000 | 4,475 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 1,592 |
| Cost of funding earning assets | 0.6585% | 1,878 |
| Net interest margin | 4.0073% | 1,833 |
| Noninterest income to average assets | -0.5372% | 5,532 |
| Noninterest expense to average assets | 3.5130% | 983 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.2149% | 5,398 |
| Return on assets (ROA) | -0.2149% | 5,394 |
| Pretax return on assets | -0.2149% | 5,395 |
| Return on Equity (ROE) | -1.9911% | 5,397 |
| Retained earnings to average equity (ytd only) | -3.1195% | 5,217 |
| Net charge-offs to loans | -0.0537% | 4,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5147% | 111 |
| Assets per employee ($millions) | 4.2622% | 3,480 |
| Cash dividends to net income (ytd only)* | -56.6667% | 5,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,650 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7725% | 1,932 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 79.8585% | 1,048 |
| Net loans and leases to deposits | 94.2530% | 1,330 |
| Net loans and leases to core deposits | 98.8296% | 1,827 |
| Total domestic deposits to total assets | 84.7278% | 2,784 |
| Equity capital to assets | 10.8504% | 2,784 |
| Core capital (leverage) ratio | 10.9204% | 2,586 |
| Tier 1 risk-based capital ratio | 14.9496% | 2,898 |
| Total risk-based capital ratio | 16.2014% | 2,818 |
| Memoranda: | ||
| Average total assets | $55,849,670 | 4,946 |
| Average earning assets | $53,453,000 | 4,907 |
| Average equity | $6,026,670 | 4,998 |
| Average total loans | $44,656,670 | 4,533 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5815% | 1,624 |
| Cost of funding earning assets | 0.5755% | 2,204 |
| Net interest margin | 4.0060% | 1,707 |
| Noninterest income to average assets | -1.2912% | 5,603 |
| Noninterest expense to average assets | 3.5099% | 985 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.9773% | 5,530 |
| Return on assets (ROA) | -0.9773% | 5,529 |
| Pretax return on assets | -0.9773% | 5,531 |
| Return on Equity (ROE) | -9.0819% | 5,529 |
| Retained earnings to average equity (ytd only) | -9.5459% | 5,355 |
| Net charge-offs to loans | -0.1076% | 5,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.5915% | 41 |
| Assets per employee ($millions) | 4.6998% | 2,852 |
| Cash dividends to net income (ytd only)* | -5.1095% | 5,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,695 |
| Loan loss allowance to noncurrent loans | 352.5974% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.8192% | 1,932 |
| Noncurrent loans to loans | 0.3457% | 3,527 |
| Net loans and leases to total assets | 78.0205% | 1,232 |
| Net loans and leases to deposits | 89.2174% | 1,789 |
| Net loans and leases to core deposits | 93.7250% | 2,164 |
| Total domestic deposits to total assets | 87.4499% | 1,929 |
| Equity capital to assets | 10.5695% | 3,003 |
| Core capital (leverage) ratio | 10.6180% | 2,828 |
| Tier 1 risk-based capital ratio | 15.1363% | 2,814 |
| Total risk-based capital ratio | 16.3865% | 2,748 |
| Memoranda: | ||
| Average total assets | $56,070,500 | 5,000 |
| Average earning assets | $53,519,500 | 4,963 |
| Average equity | $6,034,000 | 5,051 |
| Average total loans | $44,589,500 | 4,578 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 1,533 |
| Cost of funding earning assets | 0.6122% | 1,524 |
| Net interest margin | 3.9502% | 1,916 |
| Noninterest income to average assets | 0.0998% | 5,412 |
| Noninterest expense to average assets | 3.5636% | 941 |
| Loan and lease loss provision to assets | -0.0794% | 5,451 |
| Net operating income to assets | 0.3584% | 4,809 |
| Return on assets (ROA) | 0.3584% | 4,829 |
| Pretax return on assets | 0.3584% | 5,141 |
| Return on Equity (ROE) | 3.2227% | 4,768 |
| Retained earnings to average equity (ytd only) | 3.2227% | 3,371 |
| Net charge-offs to loans | 0.3323% | 763 |
| Credit loss provision to net charge-offs | -30.2817% | 4,620 |
| Earnings coverage of net charge-offs (x) | 1.0634% | 3,931 |
| Efficiency ratio | 92.7404% | 330 |
| Assets per employee ($millions) | 4.2879% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,840 |
| Loan loss allowance to noncurrent loans | 344.8052% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 1.5464% | 868 |
| Noncurrent loans to loans | 0.3450% | 3,523 |
| Net loans and leases to total assets | 79.1185% | 1,092 |
| Net loans and leases to deposits | 91.0203% | 1,648 |
| Net loans and leases to core deposits | 95.6266% | 2,061 |
| Total domestic deposits to total assets | 86.9239% | 2,031 |
| Equity capital to assets | 10.9556% | 2,672 |
| Core capital (leverage) ratio | 10.9648% | 2,374 |
| Tier 1 risk-based capital ratio | 15.2986% | 2,699 |
| Total risk-based capital ratio | 16.5499% | 2,637 |
| Memoranda: | ||
| Average total assets | $54,131,000 | 5,073 |
| Average earning assets | $51,288,600 | 5,041 |
| Average equity | $6,019,800 | 5,097 |
| Average total loans | $42,734,800 | 4,654 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 1,563 |
| Cost of funding earning assets | 0.6152% | 1,432 |
| Net interest margin | 3.9137% | 1,991 |
| Noninterest income to average assets | 0.1812% | 5,112 |
| Noninterest expense to average assets | 3.4593% | 1,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4318% | 4,922 |
| Return on assets (ROA) | 0.4318% | 4,958 |
| Pretax return on assets | 0.4318% | 5,135 |
| Return on Equity (ROE) | 3.8678% | 4,891 |
| Retained earnings to average equity (ytd only) | 3.8678% | 3,620 |
| Net charge-offs to loans | 0.4890% | 421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.1226% | 3,597 |
| Efficiency ratio | 88.9031% | 452 |
| Assets per employee ($millions) | 4.2628% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 2,724 |
| Loan loss allowance to noncurrent loans | 281.9095% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 1.6421% | 891 |
| Noncurrent loans to loans | 0.4380% | 3,393 |
| Net loans and leases to total assets | 80.9806% | 846 |
| Net loans and leases to deposits | 97.7116% | 948 |
| Net loans and leases to core deposits | 102.2092% | 1,530 |
| Total domestic deposits to total assets | 82.8771% | 3,498 |
| Equity capital to assets | 10.9894% | 2,877 |
| Core capital (leverage) ratio | 11.0440% | 2,414 |
| Tier 1 risk-based capital ratio | 15.0048% | 2,912 |
| Total risk-based capital ratio | 16.2564% | 2,843 |
| Memoranda: | ||
| Average total assets | $53,728,000 | 5,146 |
| Average earning assets | $50,931,250 | 5,102 |
| Average equity | $5,998,000 | 5,161 |
| Average total loans | $42,260,000 | 4,708 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4368% | 1,709 |
| Cost of funding earning assets | 0.6191% | 1,340 |
| Net interest margin | 3.8177% | 2,222 |
| Noninterest income to average assets | 0.2182% | 4,945 |
| Noninterest expense to average assets | 3.4158% | 1,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4213% | 4,927 |
| Return on assets (ROA) | 0.4213% | 4,954 |
| Pretax return on assets | 0.4213% | 5,141 |
| Return on Equity (ROE) | 3.7538% | 4,895 |
| Retained earnings to average equity (ytd only) | 3.7538% | 3,459 |
| Net charge-offs to loans | -0.0291% | 4,941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0196% | 503 |
| Assets per employee ($millions) | 4.4734% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 1,095 |
| Loan loss allowance to noncurrent loans | 4,512.5000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 1.3543% | 1,183 |
| Noncurrent loans to loans | 0.0373% | 5,004 |
| Net loans and leases to total assets | 78.5194% | 1,162 |
| Net loans and leases to deposits | 91.6065% | 1,549 |
| Net loans and leases to core deposits | 94.7276% | 2,088 |
| Total domestic deposits to total assets | 85.7138% | 2,521 |
| Equity capital to assets | 11.2256% | 2,564 |
| Core capital (leverage) ratio | 11.2716% | 2,155 |
| Tier 1 risk-based capital ratio | 15.6678% | 2,636 |
| Total risk-based capital ratio | 16.9252% | 2,567 |
| Memoranda: | ||
| Average total assets | $53,165,000 | 5,187 |
| Average earning assets | $50,396,670 | 5,153 |
| Average equity | $5,967,330 | 5,199 |
| Average total loans | $41,200,670 | 4,771 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3051% | 1,943 |
| Cost of funding earning assets | 0.6446% | 1,100 |
| Net interest margin | 3.6605% | 2,650 |
| Noninterest income to average assets | 0.2117% | 4,999 |
| Noninterest expense to average assets | 3.3417% | 1,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3478% | 5,080 |
| Return on assets (ROA) | 0.3478% | 5,100 |
| Pretax return on assets | 0.3478% | 5,238 |
| Return on Equity (ROE) | 3.0987% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.0987% | 3,863 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5738% | 528 |
| Assets per employee ($millions) | 4.3905% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7067% | 1,126 |
| Loan loss allowance to noncurrent loans | 4,475.0000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 1.3799% | 1,213 |
| Noncurrent loans to loans | 0.0381% | 5,047 |
| Net loans and leases to total assets | 78.2694% | 1,093 |
| Net loans and leases to deposits | 94.8762% | 1,030 |
| Net loans and leases to core deposits | 99.4909% | 1,547 |
| Total domestic deposits to total assets | 82.4963% | 4,015 |
| Equity capital to assets | 11.3123% | 2,343 |
| Core capital (leverage) ratio | 11.3645% | 2,050 |
| Tier 1 risk-based capital ratio | 15.6199% | 2,703 |
| Total risk-based capital ratio | 16.8771% | 2,641 |
| Memoranda: | ||
| Average total assets | $52,907,000 | 5,249 |
| Average earning assets | $50,266,000 | 5,205 |
| Average equity | $5,938,000 | 5,248 |
| Average total loans | $40,365,000 | 4,837 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 1,642 |
| Cost of funding earning assets | 0.6847% | 886 |
| Net interest margin | 3.7831% | 2,380 |
| Noninterest income to average assets | 0.0362% | 5,804 |
| Noninterest expense to average assets | 3.4376% | 1,281 |
| Loan and lease loss provision to assets | -0.1903% | 5,777 |
| Net operating income to assets | 0.3540% | 5,071 |
| Return on assets (ROA) | 0.3540% | 5,156 |
| Pretax return on assets | 0.3540% | 5,290 |
| Return on Equity (ROE) | 4.0957% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.0957% | 2,995 |
| Net charge-offs to loans | -0.2160% | 5,758 |
| Credit loss provision to net charge-offs | 114.9425% | 2,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4545% | 328 |
| Assets per employee ($millions) | 4.8298% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3383% | 1,297 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.6402% | 2,213 |
| Net loans and leases to deposits | 86.0466% | 2,160 |
| Net loans and leases to core deposits | 90.1449% | 2,487 |
| Total domestic deposits to total assets | 83.2574% | 3,673 |
| Equity capital to assets | 11.1354% | 2,497 |
| Core capital (leverage) ratio | 11.0431% | 2,304 |
| Tier 1 risk-based capital ratio | 17.3766% | 2,036 |
| Total risk-based capital ratio | 18.6361% | 1,995 |
| Memoranda: | ||
| Average total assets | $52,536,800 | 5,297 |
| Average earning assets | $49,510,200 | 5,257 |
| Average equity | $4,541,400 | 5,550 |
| Average total loans | $40,281,600 | 4,870 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 1,581 |
| Cost of funding earning assets | 0.6879% | 865 |
| Net interest margin | 3.7999% | 2,330 |
| Noninterest income to average assets | 0.0916% | 5,739 |
| Noninterest expense to average assets | 3.3289% | 1,497 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3334% | 5,206 |
| Return on assets (ROA) | 0.3334% | 5,284 |
| Pretax return on assets | 0.3334% | 5,405 |
| Return on Equity (ROE) | 4.1608% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.1608% | 3,358 |
| Net charge-offs to loans | -0.3771% | 5,861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8965% | 517 |
| Assets per employee ($millions) | 5.3599% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0615% | 650 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4105% | 1,318 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 74.8111% | 1,737 |
| Net loans and leases to deposits | 88.4736% | 1,954 |
| Net loans and leases to core deposits | 94.2108% | 2,174 |
| Total domestic deposits to total assets | 84.5575% | 3,008 |
| Equity capital to assets | 10.9405% | 3,072 |
| Core capital (leverage) ratio | 11.5444% | 1,991 |
| Tier 1 risk-based capital ratio | 17.2466% | 2,152 |
| Total risk-based capital ratio | 18.5112% | 2,105 |
| Memoranda: | ||
| Average total assets | $52,389,000 | 5,352 |
| Average earning assets | $49,228,500 | 5,314 |
| Average equity | $4,197,750 | 5,674 |
| Average total loans | $40,657,750 | 4,901 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5472% | 1,393 |
| Cost of funding earning assets | 0.7018% | 799 |
| Net interest margin | 3.8454% | 2,155 |
| Noninterest income to average assets | 0.0808% | 5,840 |
| Noninterest expense to average assets | 3.3471% | 1,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3386% | 5,212 |
| Return on assets (ROA) | 0.3386% | 5,300 |
| Pretax return on assets | 0.3386% | 5,439 |
| Return on Equity (ROE) | 4.8321% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.8321% | 2,846 |
| Net charge-offs to loans | -0.4684% | 5,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8142% | 557 |
| Assets per employee ($millions) | 5.1257% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0483% | 676 |
| Loan loss allowance to noncurrent loans | 169.0574% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 2.7040% | 482 |
| Noncurrent loans to loans | 1.2116% | 1,901 |
| Net loans and leases to total assets | 76.9690% | 1,342 |
| Net loans and leases to deposits | 87.8429% | 2,018 |
| Net loans and leases to core deposits | 91.4129% | 2,394 |
| Total domestic deposits to total assets | 87.6212% | 1,617 |
| Equity capital to assets | 7.6341% | 5,888 |
| Core capital (leverage) ratio | 7.5703% | 5,866 |
| Tier 1 risk-based capital ratio | 11.3164% | 5,270 |
| Total risk-based capital ratio | 12.5799% | 5,161 |
| Memoranda: | ||
| Average total assets | $51,985,670 | 5,417 |
| Average earning assets | $48,733,000 | 5,384 |
| Average equity | $3,642,330 | 5,815 |
| Average total loans | $40,563,000 | 4,953 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 1,868 |
| Cost of funding earning assets | 0.6944% | 827 |
| Net interest margin | 3.6842% | 2,739 |
| Noninterest income to average assets | 0.1681% | 5,482 |
| Noninterest expense to average assets | 3.2627% | 1,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3515% | 5,143 |
| Return on assets (ROA) | 0.3515% | 5,228 |
| Pretax return on assets | 0.3515% | 5,399 |
| Return on Equity (ROE) | 5.2466% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.2466% | 2,785 |
| Net charge-offs to loans | -0.8942% | 6,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2748% | 661 |
| Assets per employee ($millions) | 5.3402% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0422% | 767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7115% | 1,129 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 73.6527% | 1,787 |
| Net loans and leases to deposits | 83.8367% | 2,316 |
| Net loans and leases to core deposits | 87.0851% | 2,649 |
| Total domestic deposits to total assets | 87.8525% | 1,724 |
| Equity capital to assets | 7.2450% | 5,988 |
| Core capital (leverage) ratio | 7.4239% | 5,938 |
| Tier 1 risk-based capital ratio | 11.3154% | 5,335 |
| Total risk-based capital ratio | 12.5778% | 5,231 |
| Memoranda: | ||
| Average total assets | $52,350,000 | 5,465 |
| Average earning assets | $48,966,000 | 5,428 |
| Average equity | $3,507,000 | 5,878 |
| Average total loans | $40,706,000 | 4,988 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6804% | 1,149 |
| Cost of funding earning assets | 0.7036% | 805 |
| Net interest margin | 3.9768% | 1,797 |
| Noninterest income to average assets | -0.1006% | 6,146 |
| Noninterest expense to average assets | 3.4752% | 1,344 |
| Loan and lease loss provision to assets | 0.2112% | 988 |
| Net operating income to assets | -0.0583% | 5,904 |
| Return on assets (ROA) | -0.0583% | 5,927 |
| Pretax return on assets | -0.0583% | 5,914 |
| Return on Equity (ROE) | -0.9323% | 5,936 |
| Retained earnings to average equity (ytd only) | -0.9323% | 5,646 |
| Net charge-offs to loans | 0.2876% | 1,057 |
| Credit loss provision to net charge-offs | 89.7436% | 2,765 |
| Earnings coverage of net charge-offs (x) | 0.6496% | 4,198 |
| Efficiency ratio | 95.7871% | 405 |
| Assets per employee ($millions) | 4.6635% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 1,195 |
| Loan loss allowance to noncurrent loans | 1,089.5522% | 559 |
| Noncurrent assets plus other real estate owned to assets | 1.9124% | 948 |
| Noncurrent loans to loans | 0.1624% | 4,843 |
| Net loans and leases to total assets | 79.0089% | 991 |
| Net loans and leases to deposits | 89.2613% | 1,715 |
| Net loans and leases to core deposits | 92.8310% | 2,146 |
| Total domestic deposits to total assets | 88.5142% | 1,374 |
| Equity capital to assets | 6.1308% | 6,111 |
| Core capital (leverage) ratio | 6.1467% | 6,113 |
| Tier 1 risk-based capital ratio | 9.4128% | 6,059 |
| Total risk-based capital ratio | 10.6738% | 6,042 |
| Memoranda: | ||
| Average total assets | $49,723,600 | 5,551 |
| Average earning assets | $46,620,400 | 5,505 |
| Average equity | $3,110,600 | 5,987 |
| Average total loans | $40,677,200 | 4,981 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7100% | 1,080 |
| Cost of funding earning assets | 0.7017% | 830 |
| Net interest margin | 4.0083% | 1,671 |
| Noninterest income to average assets | -0.1676% | 6,244 |
| Noninterest expense to average assets | 3.4109% | 1,459 |
| Loan and lease loss provision to assets | 0.2838% | 550 |
| Net operating income to assets | -0.1108% | 6,009 |
| Return on assets (ROA) | -0.1108% | 6,031 |
| Pretax return on assets | -0.1108% | 6,016 |
| Return on Equity (ROE) | -1.7624% | 6,056 |
| Retained earnings to average equity (ytd only) | -1.7624% | 5,831 |
| Net charge-offs to loans | 0.3651% | 714 |
| Credit loss provision to net charge-offs | 94.5946% | 2,399 |
| Earnings coverage of net charge-offs (x) | 0.5766% | 3,931 |
| Efficiency ratio | 95.1735% | 449 |
| Assets per employee ($millions) | 4.5692% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 1,390 |
| Loan loss allowance to noncurrent loans | 332.5792% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 2.2781% | 814 |
| Noncurrent loans to loans | 0.5231% | 3,778 |
| Net loans and leases to total assets | 82.5889% | 513 |
| Net loans and leases to deposits | 93.0488% | 1,297 |
| Net loans and leases to core deposits | 96.8321% | 1,809 |
| Total domestic deposits to total assets | 88.7587% | 1,148 |
| Equity capital to assets | 6.2434% | 6,193 |
| Core capital (leverage) ratio | 6.2413% | 6,188 |
| Tier 1 risk-based capital ratio | 9.2213% | 6,177 |
| Total risk-based capital ratio | 10.4819% | 6,161 |
| Memoranda: | ||
| Average total assets | $49,330,000 | 5,624 |
| Average earning assets | $46,169,750 | 5,592 |
| Average equity | $3,102,000 | 6,073 |
| Average total loans | $40,531,500 | 5,039 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 1,061 |
| Cost of funding earning assets | 0.6913% | 880 |
| Net interest margin | 4.0123% | 1,607 |
| Noninterest income to average assets | -0.0571% | 6,291 |
| Noninterest expense to average assets | 3.3782% | 1,514 |
| Loan and lease loss provision to assets | 0.1224% | 1,803 |
| Net operating income to assets | 0.1836% | 5,736 |
| Return on assets (ROA) | 0.1836% | 5,795 |
| Pretax return on assets | 0.1836% | 5,843 |
| Return on Equity (ROE) | 2.9126% | 5,429 |
| Retained earnings to average equity (ytd only) | 2.9126% | 4,185 |
| Net charge-offs to loans | 0.1852% | 1,346 |
| Credit loss provision to net charge-offs | 81.0811% | 2,315 |
| Earnings coverage of net charge-offs (x) | 2.0270% | 3,416 |
| Efficiency ratio | 91.6944% | 657 |
| Assets per employee ($millions) | 5.4647% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7521% | 1,489 |
| Loan loss allowance to noncurrent loans | 332.1267% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 2.7998% | 626 |
| Noncurrent loans to loans | 0.5275% | 3,876 |
| Net loans and leases to total assets | 83.6871% | 396 |
| Net loans and leases to deposits | 95.7342% | 986 |
| Net loans and leases to core deposits | 98.8591% | 1,584 |
| Total domestic deposits to total assets | 87.4161% | 1,950 |
| Equity capital to assets | 6.5532% | 6,241 |
| Core capital (leverage) ratio | 6.5866% | 6,234 |
| Tier 1 risk-based capital ratio | 9.5526% | 6,193 |
| Total risk-based capital ratio | 10.8119% | 6,166 |
| Memoranda: | ||
| Average total assets | $49,019,670 | 5,692 |
| Average earning assets | $45,709,000 | 5,661 |
| Average equity | $3,090,000 | 6,135 |
| Average total loans | $39,960,330 | 5,103 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6108% | 1,192 |
| Cost of funding earning assets | 0.6763% | 972 |
| Net interest margin | 3.9346% | 1,769 |
| Noninterest income to average assets | -0.2370% | 6,386 |
| Noninterest expense to average assets | 3.4901% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0654% | 6,070 |
| Return on assets (ROA) | -0.0654% | 6,104 |
| Pretax return on assets | -0.0654% | 6,093 |
| Return on Equity (ROE) | -1.0584% | 6,131 |
| Retained earnings to average equity (ytd only) | -1.0584% | 5,568 |
| Net charge-offs to loans | -0.0410% | 5,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9093% | 316 |
| Assets per employee ($millions) | 4.9117% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 1,405 |
| Loan loss allowance to noncurrent loans | 126.4856% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 3.0967% | 591 |
| Noncurrent loans to loans | 1.4586% | 1,950 |
| Net loans and leases to total assets | 80.6951% | 609 |
| Net loans and leases to deposits | 92.4712% | 1,136 |
| Net loans and leases to core deposits | 95.4945% | 1,650 |
| Total domestic deposits to total assets | 87.2651% | 2,229 |
| Equity capital to assets | 6.4519% | 6,311 |
| Core capital (leverage) ratio | 6.5368% | 6,290 |
| Tier 1 risk-based capital ratio | 9.7237% | 6,230 |
| Total risk-based capital ratio | 10.9718% | 6,195 |
| Memoranda: | ||
| Average total assets | $48,938,500 | 5,747 |
| Average earning assets | $45,545,000 | 5,724 |
| Average equity | $3,023,500 | 6,204 |
| Average total loans | $38,994,000 | 5,177 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 1,565 |
| Cost of funding earning assets | 0.7340% | 929 |
| Net interest margin | 3.8622% | 2,386 |
| Noninterest income to average assets | -0.0362% | 6,427 |
| Noninterest expense to average assets | 3.7269% | 1,104 |
| Loan and lease loss provision to assets | 0.1510% | 1,737 |
| Net operating income to assets | -0.3544% | 6,256 |
| Return on assets (ROA) | -0.3544% | 6,252 |
| Pretax return on assets | -0.3544% | 6,238 |
| Return on Equity (ROE) | -6.0573% | 6,315 |
| Retained earnings to average equity (ytd only) | -6.0573% | 6,224 |
| Net charge-offs to loans | 0.8341% | 409 |
| Credit loss provision to net charge-offs | 23.8095% | 3,925 |
| Earnings coverage of net charge-offs (x) | -0.3206% | 4,748 |
| Efficiency ratio | 105.7714% | 264 |
| Assets per employee ($millions) | 4.8760% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9703% | 1,163 |
| Loan loss allowance to noncurrent loans | 125.5932% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 3.5398% | 523 |
| Noncurrent loans to loans | 1.5688% | 1,864 |
| Net loans and leases to total assets | 75.6091% | 1,327 |
| Net loans and leases to deposits | 86.0313% | 1,983 |
| Net loans and leases to core deposits | 88.8404% | 2,400 |
| Total domestic deposits to total assets | 87.8856% | 1,830 |
| Equity capital to assets | 5.9024% | 6,416 |
| Core capital (leverage) ratio | 5.8315% | 6,417 |
| Tier 1 risk-based capital ratio | 9.2398% | 6,390 |
| Total risk-based capital ratio | 10.5047% | 6,362 |
| Memoranda: | ||
| Average total assets | $49,665,600 | 5,795 |
| Average earning assets | $45,776,800 | 5,780 |
| Average equity | $2,905,600 | 6,291 |
| Average total loans | $37,764,600 | 5,267 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 1,625 |
| Cost of funding earning assets | 0.7384% | 951 |
| Net interest margin | 3.8367% | 2,489 |
| Noninterest income to average assets | 0.0535% | 6,374 |
| Noninterest expense to average assets | 3.6505% | 1,212 |
| Loan and lease loss provision to assets | 0.0668% | 3,013 |
| Net operating income to assets | -0.1229% | 6,232 |
| Return on assets (ROA) | -0.1229% | 6,239 |
| Pretax return on assets | -0.1229% | 6,216 |
| Return on Equity (ROE) | -2.1058% | 6,290 |
| Retained earnings to average equity (ytd only) | -2.1058% | 6,084 |
| Net charge-offs to loans | 0.6066% | 607 |
| Credit loss provision to net charge-offs | 14.5349% | 3,640 |
| Earnings coverage of net charge-offs (x) | -0.1221% | 4,466 |
| Efficiency ratio | 101.5613% | 335 |
| Assets per employee ($millions) | 4.4887% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1742% | 980 |
| Loan loss allowance to noncurrent loans | 310.0372% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 3.4551% | 626 |
| Noncurrent loans to loans | 0.7013% | 3,855 |
| Net loans and leases to total assets | 75.9985% | 1,221 |
| Net loans and leases to deposits | 86.7530% | 1,823 |
| Net loans and leases to core deposits | 90.3129% | 2,193 |
| Total domestic deposits to total assets | 87.6033% | 1,977 |
| Equity capital to assets | 6.0941% | 6,471 |
| Core capital (leverage) ratio | 6.0790% | 6,475 |
| Tier 1 risk-based capital ratio | 9.3135% | 6,456 |
| Total risk-based capital ratio | 10.5794% | 6,436 |
| Memoranda: | ||
| Average total assets | $49,892,000 | 5,853 |
| Average earning assets | $46,044,750 | 5,837 |
| Average equity | $2,912,500 | 6,359 |
| Average total loans | $37,803,750 | 5,307 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 1,634 |
| Cost of funding earning assets | 0.7513% | 918 |
| Net interest margin | 3.8127% | 2,521 |
| Noninterest income to average assets | 0.0759% | 6,361 |
| Noninterest expense to average assets | 3.6793% | 1,174 |
| Loan and lease loss provision to assets | 0.0999% | 2,356 |
| Net operating income to assets | -0.1957% | 6,318 |
| Return on assets (ROA) | -0.1957% | 6,329 |
| Pretax return on assets | -0.1957% | 6,310 |
| Return on Equity (ROE) | -3.4024% | 6,391 |
| Retained earnings to average equity (ytd only) | -3.4024% | 6,125 |
| Net charge-offs to loans | 0.5635% | 726 |
| Credit loss provision to net charge-offs | 23.5849% | 3,141 |
| Earnings coverage of net charge-offs (x) | -0.2264% | 4,155 |
| Efficiency ratio | 102.6756% | 342 |
| Assets per employee ($millions) | 4.5743% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2984% | 903 |
| Loan loss allowance to noncurrent loans | 151.0067% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 4.2312% | 479 |
| Noncurrent loans to loans | 1.5220% | 2,284 |
| Net loans and leases to total assets | 76.0339% | 1,158 |
| Net loans and leases to deposits | 86.6742% | 1,754 |
| Net loans and leases to core deposits | 89.6203% | 2,161 |
| Total domestic deposits to total assets | 87.7238% | 2,074 |
| Equity capital to assets | 5.9741% | 6,532 |
| Core capital (leverage) ratio | 5.9656% | 6,538 |
| Tier 1 risk-based capital ratio | 9.0701% | 6,534 |
| Total risk-based capital ratio | 10.3373% | 6,522 |
| Memoranda: | ||
| Average total assets | $50,064,000 | 5,905 |
| Average earning assets | $46,056,000 | 5,888 |
| Average equity | $2,880,330 | 6,417 |
| Average total loans | $37,618,670 | 5,350 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 1,689 |
| Cost of funding earning assets | 0.7603% | 925 |
| Net interest margin | 3.7752% | 2,573 |
| Noninterest income to average assets | 0.1202% | 6,247 |
| Noninterest expense to average assets | 3.3482% | 1,830 |
| Loan and lease loss provision to assets | 0.2003% | 1,164 |
| Net operating income to assets | 0.0320% | 6,160 |
| Return on assets (ROA) | 0.0320% | 6,179 |
| Pretax return on assets | 0.0320% | 6,174 |
| Return on Equity (ROE) | 0.5679% | 6,127 |
| Retained earnings to average equity (ytd only) | 0.5679% | 5,355 |
| Net charge-offs to loans | 0.9770% | 345 |
| Credit loss provision to net charge-offs | 27.7778% | 2,413 |
| Earnings coverage of net charge-offs (x) | 0.3222% | 3,375 |
| Efficiency ratio | 93.5123% | 779 |
| Assets per employee ($millions) | 4.1883% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4739% | 836 |
| Loan loss allowance to noncurrent loans | 312.6280% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 3.8321% | 644 |
| Noncurrent loans to loans | 0.7913% | 3,889 |
| Net loans and leases to total assets | 71.8484% | 1,598 |
| Net loans and leases to deposits | 81.8213% | 2,064 |
| Net loans and leases to core deposits | 84.5988% | 2,452 |
| Total domestic deposits to total assets | 87.8114% | 2,332 |
| Equity capital to assets | 5.6088% | 6,599 |
| Core capital (leverage) ratio | 5.6309% | 6,619 |
| Tier 1 risk-based capital ratio | 9.0050% | 6,598 |
| Total risk-based capital ratio | 10.2763% | 6,591 |
| Memoranda: | ||
| Average total assets | $49,937,500 | 5,965 |
| Average earning assets | $45,773,000 | 5,947 |
| Average equity | $2,817,500 | 6,487 |
| Average total loans | $36,849,000 | 5,437 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2284% | 600 |
| Cost of funding earning assets | 0.8442% | 976 |
| Net interest margin | 4.3843% | 938 |
| Noninterest income to average assets | 0.1388% | 6,245 |
| Noninterest expense to average assets | 5.2514% | 291 |
| Loan and lease loss provision to assets | 0.3521% | 897 |
| Net operating income to assets | -1.4728% | 6,673 |
| Return on assets (ROA) | -1.4728% | 6,670 |
| Pretax return on assets | -1.4728% | 6,661 |
| Return on Equity (ROE) | -22.4018% | 6,698 |
| Retained earnings to average equity (ytd only) | -22.4018% | 6,687 |
| Net charge-offs to loans | 1.6356% | 275 |
| Credit loss provision to net charge-offs | 26.5152% | 4,323 |
| Earnings coverage of net charge-offs (x) | -0.8439% | 5,246 |
| Efficiency ratio | 127.1310% | 136 |
| Assets per employee ($millions) | 4.1346% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6751% | 676 |
| Loan loss allowance to noncurrent loans | 422.8448% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 3.9484% | 683 |
| Noncurrent loans to loans | 0.6327% | 4,396 |
| Net loans and leases to total assets | 71.9339% | 1,692 |
| Net loans and leases to deposits | 81.6910% | 2,221 |
| Net loans and leases to core deposits | 84.4854% | 2,621 |
| Total domestic deposits to total assets | 88.0560% | 2,144 |
| Equity capital to assets | 5.6757% | 6,643 |
| Core capital (leverage) ratio | 5.6768% | 6,676 |
| Tier 1 risk-based capital ratio | 9.3069% | 6,627 |
| Total risk-based capital ratio | 10.5794% | 6,611 |
| Memoranda: | ||
| Average total assets | $49,701,400 | 6,020 |
| Average earning assets | $45,252,600 | 6,012 |
| Average equity | $3,267,600 | 6,479 |
| Average total loans | $40,353,000 | 5,333 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3630% | 474 |
| Cost of funding earning assets | 0.8555% | 1,020 |
| Net interest margin | 4.5075% | 731 |
| Noninterest income to average assets | 0.1260% | 6,391 |
| Noninterest expense to average assets | 5.1725% | 305 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.9492% | 6,702 |
| Return on assets (ROA) | -0.9492% | 6,703 |
| Pretax return on assets | -0.9492% | 6,688 |
| Return on Equity (ROE) | -13.9621% | 6,727 |
| Retained earnings to average equity (ytd only) | -13.9621% | 6,695 |
| Net charge-offs to loans | 1.3923% | 364 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.8214% | 4,992 |
| Efficiency ratio | 122.4762% | 156 |
| Assets per employee ($millions) | 3.7787% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7038% | 741 |
| Loan loss allowance to noncurrent loans | 201.3619% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 5.6796% | 444 |
| Noncurrent loans to loans | 1.3427% | 3,173 |
| Net loans and leases to total assets | 75.8199% | 1,027 |
| Net loans and leases to deposits | 87.0821% | 1,481 |
| Net loans and leases to core deposits | 90.1205% | 1,953 |
| Total domestic deposits to total assets | 87.0672% | 2,655 |
| Equity capital to assets | 6.5020% | 6,644 |
| Core capital (leverage) ratio | 6.4421% | 6,676 |
| Tier 1 risk-based capital ratio | 9.9427% | 6,604 |
| Total risk-based capital ratio | 11.2253% | 6,566 |
| Memoranda: | ||
| Average total assets | $49,723,000 | 6,089 |
| Average earning assets | $45,197,250 | 6,084 |
| Average equity | $3,380,500 | 6,532 |
| Average total loans | $41,273,500 | 5,344 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4439% | 411 |
| Cost of funding earning assets | 0.8686% | 1,042 |
| Net interest margin | 4.5753% | 624 |
| Noninterest income to average assets | 0.1362% | 6,373 |
| Noninterest expense to average assets | 5.6207% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.3060% | 6,788 |
| Return on assets (ROA) | -1.3060% | 6,791 |
| Pretax return on assets | -1.3060% | 6,780 |
| Return on Equity (ROE) | -18.9388% | 6,820 |
| Retained earnings to average equity (ytd only) | -18.9388% | 6,794 |
| Net charge-offs to loans | 1.6134% | 311 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.9560% | 4,713 |
| Efficiency ratio | 130.2693% | 128 |
| Assets per employee ($millions) | 3.8572% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8928% | 646 |
| Loan loss allowance to noncurrent loans | 185.6436% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 5.2869% | 559 |
| Noncurrent loans to loans | 1.5582% | 2,970 |
| Net loans and leases to total assets | 75.3146% | 1,066 |
| Net loans and leases to deposits | 86.6349% | 1,494 |
| Net loans and leases to core deposits | 91.2242% | 1,789 |
| Total domestic deposits to total assets | 86.9334% | 2,856 |
| Equity capital to assets | 6.4256% | 6,702 |
| Core capital (leverage) ratio | 6.4399% | 6,706 |
| Tier 1 risk-based capital ratio | 9.9876% | 6,635 |
| Total risk-based capital ratio | 11.2678% | 6,609 |
| Memoranda: | ||
| Average total assets | $49,923,000 | 6,128 |
| Average earning assets | $45,592,670 | 6,117 |
| Average equity | $3,442,670 | 6,570 |
| Average total loans | $42,271,330 | 5,325 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5271% | 355 |
| Cost of funding earning assets | 0.9008% | 980 |
| Net interest margin | 4.6264% | 543 |
| Noninterest income to average assets | 0.1847% | 6,152 |
| Noninterest expense to average assets | 4.3523% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0803% | 6,183 |
| Return on assets (ROA) | 0.0803% | 6,272 |
| Pretax return on assets | 0.0803% | 6,287 |
| Return on Equity (ROE) | 1.1258% | 6,189 |
| Retained earnings to average equity (ytd only) | 1.1258% | 5,400 |
| Net charge-offs to loans | -0.0091% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1884% | 628 |
| Assets per employee ($millions) | 3.8305% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3649% | 471 |
| Loan loss allowance to noncurrent loans | 75.1922% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 6.5104% | 460 |
| Noncurrent loans to loans | 4.4751% | 932 |
| Net loans and leases to total assets | 84.6035% | 170 |
| Net loans and leases to deposits | 96.8639% | 498 |
| Net loans and leases to core deposits | 103.2674% | 751 |
| Total domestic deposits to total assets | 87.3426% | 2,730 |
| Equity capital to assets | 7.1450% | 6,684 |
| Core capital (leverage) ratio | 7.0462% | 6,627 |
| Tier 1 risk-based capital ratio | 10.0748% | 6,676 |
| Total risk-based capital ratio | 11.3603% | 6,662 |
| Memoranda: | ||
| Average total assets | $49,813,000 | 6,189 |
| Average earning assets | $45,738,000 | 6,166 |
| Average equity | $3,553,000 | 6,619 |
| Average total loans | $43,962,000 | 5,300 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6440% | 468 |
| Cost of funding earning assets | 1.0584% | 1,080 |
| Net interest margin | 4.5856% | 803 |
| Noninterest income to average assets | 0.1809% | 6,103 |
| Noninterest expense to average assets | 4.5387% | 555 |
| Loan and lease loss provision to assets | 1.3817% | 246 |
| Net operating income to assets | -1.5407% | 6,869 |
| Return on assets (ROA) | -1.5407% | 6,881 |
| Pretax return on assets | -1.5447% | 6,861 |
| Return on Equity (ROE) | -26.6104% | 6,936 |
| Retained earnings to average equity (ytd only) | -26.6104% | 6,910 |
| Net charge-offs to loans | 1.8084% | 447 |
| Credit loss provision to net charge-offs | 88.7612% | 3,522 |
| Earnings coverage of net charge-offs (x) | -0.1047% | 5,540 |
| Efficiency ratio | 103.7256% | 449 |
| Assets per employee ($millions) | 4.9829% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3072% | 503 |
| Loan loss allowance to noncurrent loans | 46.3338% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 8.8463% | 283 |
| Noncurrent loans to loans | 7.1379% | 441 |
| Net loans and leases to total assets | 86.0162% | 128 |
| Net loans and leases to deposits | 101.9190% | 327 |
| Net loans and leases to core deposits | 107.5315% | 628 |
| Total domestic deposits to total assets | 84.3966% | 4,131 |
| Equity capital to assets | 7.1204% | 6,747 |
| Core capital (leverage) ratio | 6.9902% | 6,704 |
| Tier 1 risk-based capital ratio | 9.7027% | 6,768 |
| Total risk-based capital ratio | 10.9880% | 6,739 |
| Memoranda: | ||
| Average total assets | $50,300,200 | 6,204 |
| Average earning assets | $46,013,600 | 6,179 |
| Average equity | $2,912,400 | 6,805 |
| Average total loans | $43,297,000 | 5,360 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7328% | 438 |
| Cost of funding earning assets | 1.0771% | 1,158 |
| Net interest margin | 4.6557% | 736 |
| Noninterest income to average assets | 0.1798% | 6,228 |
| Noninterest expense to average assets | 4.3052% | 656 |
| Loan and lease loss provision to assets | 1.8379% | 148 |
| Net operating income to assets | -1.7057% | 7,000 |
| Return on assets (ROA) | -1.7057% | 7,012 |
| Pretax return on assets | -1.7110% | 6,985 |
| Return on Equity (ROE) | -31.2322% | 7,068 |
| Retained earnings to average equity (ytd only) | -31.2322% | 7,061 |
| Net charge-offs to loans | 2.2119% | 308 |
| Credit loss provision to net charge-offs | 97.3389% | 3,074 |
| Earnings coverage of net charge-offs (x) | 0.0672% | 5,303 |
| Efficiency ratio | 97.1360% | 631 |
| Assets per employee ($millions) | 4.9586% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7448% | 380 |
| Loan loss allowance to noncurrent loans | 77.7609% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 6.5684% | 569 |
| Noncurrent loans to loans | 4.8158% | 956 |
| Net loans and leases to total assets | 79.5688% | 545 |
| Net loans and leases to deposits | 93.9382% | 797 |
| Net loans and leases to core deposits | 97.8668% | 1,276 |
| Total domestic deposits to total assets | 84.7033% | 3,885 |
| Equity capital to assets | 4.8965% | 7,056 |
| Core capital (leverage) ratio | 4.8820% | 7,035 |
| Tier 1 risk-based capital ratio | 7.3150% | 7,030 |
| Total risk-based capital ratio | 8.6075% | 7,029 |
| Memoranda: | ||
| Average total assets | $50,418,000 | 6,274 |
| Average earning assets | $46,049,750 | 6,250 |
| Average equity | $2,753,500 | 6,916 |
| Average total loans | $43,039,500 | 5,438 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7507% | 435 |
| Cost of funding earning assets | 1.0845% | 1,292 |
| Net interest margin | 4.6663% | 718 |
| Noninterest income to average assets | 0.2525% | 5,772 |
| Noninterest expense to average assets | 4.3002% | 650 |
| Loan and lease loss provision to assets | 2.7419% | 75 |
| Net operating income to assets | -2.5288% | 7,124 |
| Return on assets (ROA) | -2.5288% | 7,129 |
| Pretax return on assets | -2.5288% | 7,117 |
| Return on Equity (ROE) | -44.7939% | 7,158 |
| Retained earnings to average equity (ytd only) | -44.7939% | 7,152 |
| Net charge-offs to loans | 3.2798% | 167 |
| Credit loss provision to net charge-offs | 96.9317% | 2,858 |
| Earnings coverage of net charge-offs (x) | 0.0753% | 5,044 |
| Efficiency ratio | 95.2797% | 735 |
| Assets per employee ($millions) | 4.0577% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5226% | 489 |
| Loan loss allowance to noncurrent loans | 83.2609% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 6.7321% | 600 |
| Noncurrent loans to loans | 4.2308% | 1,280 |
| Net loans and leases to total assets | 86.1723% | 133 |
| Net loans and leases to deposits | 102.1273% | 337 |
| Net loans and leases to core deposits | 106.4787% | 721 |
| Total domestic deposits to total assets | 84.3773% | 4,152 |
| Equity capital to assets | 4.9947% | 7,097 |
| Core capital (leverage) ratio | 4.9032% | 7,079 |
| Tier 1 risk-based capital ratio | 6.7352% | 7,107 |
| Total risk-based capital ratio | 8.0312% | 7,103 |
| Memoranda: | ||
| Average total assets | $50,695,330 | 6,302 |
| Average earning assets | $46,289,670 | 6,282 |
| Average equity | $2,862,000 | 6,942 |
| Average total loans | $43,722,670 | 5,440 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7487% | 473 |
| Cost of funding earning assets | 1.0906% | 1,447 |
| Net interest margin | 4.6581% | 736 |
| Noninterest income to average assets | 0.3869% | 4,769 |
| Noninterest expense to average assets | 4.5883% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0619% | 6,313 |
| Return on assets (ROA) | 0.0619% | 6,429 |
| Pretax return on assets | 0.0619% | 6,439 |
| Return on Equity (ROE) | 1.0400% | 6,340 |
| Retained earnings to average equity (ytd only) | 1.0400% | 5,659 |
| Net charge-offs to loans | 0.0730% | 3,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,824 |
| Efficiency ratio | 98.6689% | 604 |
| Assets per employee ($millions) | 5.5938% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6862% | 469 |
| Loan loss allowance to noncurrent loans | 59.1884% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 9.0001% | 390 |
| Noncurrent loans to loans | 6.2279% | 788 |
| Net loans and leases to total assets | 80.2360% | 384 |
| Net loans and leases to deposits | 96.2220% | 521 |
| Net loans and leases to core deposits | 100.1289% | 978 |
| Total domestic deposits to total assets | 83.3863% | 4,767 |
| Equity capital to assets | 6.1199% | 7,064 |
| Core capital (leverage) ratio | 6.1081% | 7,026 |
| Tier 1 risk-based capital ratio | 8.7783% | 7,051 |
| Total risk-based capital ratio | 10.0832% | 7,052 |
| Memoranda: | ||
| Average total assets | $51,697,000 | 6,315 |
| Average earning assets | $47,315,000 | 6,292 |
| Average equity | $3,077,000 | 6,941 |
| Average total loans | $43,838,500 | 5,474 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2506% | 277 |
| Cost of funding earning assets | 1.4360% | 897 |
| Net interest margin | 4.8147% | 602 |
| Noninterest income to average assets | -0.4721% | 7,255 |
| Noninterest expense to average assets | 4.3737% | 672 |
| Loan and lease loss provision to assets | 1.4220% | 539 |
| Net operating income to assets | -2.3885% | 7,096 |
| Return on assets (ROA) | -2.3885% | 7,107 |
| Pretax return on assets | -1.8179% | 6,985 |
| Return on Equity (ROE) | -39.1410% | 7,156 |
| Retained earnings to average equity (ytd only) | -39.1410% | 7,151 |
| Net charge-offs to loans | 2.3070% | 542 |
| Credit loss provision to net charge-offs | 67.8191% | 4,934 |
| Earnings coverage of net charge-offs (x) | -0.1888% | 5,951 |
| Efficiency ratio | 109.9533% | 438 |
| Assets per employee ($millions) | 5.3050% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3977% | 576 |
| Loan loss allowance to noncurrent loans | 159.0583% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 4.8709% | 1,109 |
| Noncurrent loans to loans | 2.1361% | 3,025 |
| Net loans and leases to total assets | 83.2856% | 248 |
| Net loans and leases to deposits | 100.8353% | 422 |
| Net loans and leases to core deposits | 105.4990% | 818 |
| Total domestic deposits to total assets | 82.5957% | 4,926 |
| Equity capital to assets | 5.7926% | 7,109 |
| Core capital (leverage) ratio | 5.7409% | 7,080 |
| Tier 1 risk-based capital ratio | 8.2479% | 7,095 |
| Total risk-based capital ratio | 9.5335% | 7,096 |
| Memoranda: | ||
| Average total assets | $53,799,000 | 6,237 |
| Average earning assets | $49,723,000 | 6,203 |
| Average equity | $3,283,000 | 6,938 |
| Average total loans | $48,894,600 | 5,307 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3470% | 250 |
| Cost of funding earning assets | 1.4865% | 915 |
| Net interest margin | 4.8605% | 556 |
| Noninterest income to average assets | -0.6965% | 7,379 |
| Noninterest expense to average assets | 4.3294% | 695 |
| Loan and lease loss provision to assets | 1.6547% | 388 |
| Net operating income to assets | -2.1116% | 7,154 |
| Return on assets (ROA) | -2.1116% | 7,163 |
| Pretax return on assets | -2.1906% | 7,158 |
| Return on Equity (ROE) | -34.1769% | 7,229 |
| Retained earnings to average equity (ytd only) | -34.1769% | 7,221 |
| Net charge-offs to loans | 2.8285% | 351 |
| Credit loss provision to net charge-offs | 63.5674% | 4,686 |
| Earnings coverage of net charge-offs (x) | -0.2059% | 5,722 |
| Efficiency ratio | 114.1276% | 371 |
| Assets per employee ($millions) | 5.2742% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2050% | 718 |
| Loan loss allowance to noncurrent loans | 294.8077% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 3.9342% | 1,564 |
| Noncurrent loans to loans | 1.0871% | 4,737 |
| Net loans and leases to total assets | 87.7839% | 85 |
| Net loans and leases to deposits | 106.0469% | 249 |
| Net loans and leases to core deposits | 112.1204% | 602 |
| Total domestic deposits to total assets | 82.7784% | 4,765 |
| Equity capital to assets | 5.7412% | 7,210 |
| Core capital (leverage) ratio | 5.0649% | 7,235 |
| Tier 1 risk-based capital ratio | 6.8447% | 7,254 |
| Total risk-based capital ratio | 8.1281% | 7,257 |
| Memoranda: | ||
| Average total assets | $53,986,250 | 6,282 |
| Average earning assets | $49,870,000 | 6,249 |
| Average equity | $3,335,500 | 6,983 |
| Average total loans | $49,684,000 | 5,317 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3953% | 240 |
| Cost of funding earning assets | 1.5253% | 921 |
| Net interest margin | 4.8700% | 520 |
| Noninterest income to average assets | -0.7610% | 7,452 |
| Noninterest expense to average assets | 4.1764% | 851 |
| Loan and lease loss provision to assets | 1.9853% | 310 |
| Net operating income to assets | -2.3308% | 7,246 |
| Return on assets (ROA) | -2.3308% | 7,251 |
| Pretax return on assets | -2.4154% | 7,236 |
| Return on Equity (ROE) | -36.8819% | 7,292 |
| Retained earnings to average equity (ytd only) | -36.8819% | 7,287 |
| Net charge-offs to loans | 3.0894% | 326 |
| Credit loss provision to net charge-offs | 69.4981% | 4,066 |
| Earnings coverage of net charge-offs (x) | -0.1506% | 5,379 |
| Efficiency ratio | 111.4818% | 452 |
| Assets per employee ($millions) | 4.9348% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4270% | 632 |
| Loan loss allowance to noncurrent loans | 114.6758% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 5.1084% | 1,194 |
| Noncurrent loans to loans | 2.9885% | 2,430 |
| Net loans and leases to total assets | 87.2133% | 104 |
| Net loans and leases to deposits | 105.3824% | 282 |
| Net loans and leases to core deposits | 111.8429% | 657 |
| Total domestic deposits to total assets | 82.7589% | 4,871 |
| Equity capital to assets | 5.9853% | 7,244 |
| Core capital (leverage) ratio | 5.3461% | 7,271 |
| Tier 1 risk-based capital ratio | 7.5578% | 7,279 |
| Total risk-based capital ratio | 8.8451% | 7,282 |
| Memoranda: | ||
| Average total assets | $54,401,000 | 6,318 |
| Average earning assets | $50,349,330 | 6,277 |
| Average equity | $3,438,000 | 7,001 |
| Average total loans | $50,301,330 | 5,344 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5093% | 209 |
| Cost of funding earning assets | 1.5260% | 1,066 |
| Net interest margin | 4.9833% | 391 |
| Noninterest income to average assets | 0.1836% | 6,411 |
| Noninterest expense to average assets | 4.8770% | 406 |
| Loan and lease loss provision to assets | 1.3955% | 475 |
| Net operating income to assets | -1.4763% | 7,193 |
| Return on assets (ROA) | -1.4763% | 7,196 |
| Pretax return on assets | -1.4837% | 7,154 |
| Return on Equity (ROE) | -22.7601% | 7,251 |
| Retained earnings to average equity (ytd only) | -22.7601% | 7,203 |
| Net charge-offs to loans | -0.0785% | 7,016 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8405% | 677 |
| Assets per employee ($millions) | 5.0293% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1081% | 391 |
| Loan loss allowance to noncurrent loans | 83.5108% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 7.2250% | 719 |
| Noncurrent loans to loans | 4.9193% | 1,377 |
| Net loans and leases to total assets | 89.3225% | 56 |
| Net loans and leases to deposits | 108.3282% | 205 |
| Net loans and leases to core deposits | 116.0385% | 532 |
| Total domestic deposits to total assets | 82.4554% | 5,125 |
| Equity capital to assets | 6.2037% | 7,263 |
| Core capital (leverage) ratio | 5.8031% | 7,281 |
| Tier 1 risk-based capital ratio | 7.5643% | 7,323 |
| Total risk-based capital ratio | 8.8622% | 7,325 |
| Memoranda: | ||
| Average total assets | $54,460,000 | 6,359 |
| Average earning assets | $50,328,000 | 6,330 |
| Average equity | $3,532,500 | 7,005 |
| Average total loans | $50,941,000 | 5,366 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5859% | 285 |
| Cost of funding earning assets | 1.7303% | 1,463 |
| Net interest margin | 4.8556% | 596 |
| Noninterest income to average assets | 0.3359% | 5,383 |
| Noninterest expense to average assets | 5.0086% | 408 |
| Loan and lease loss provision to assets | 2.6673% | 394 |
| Net operating income to assets | -2.8322% | 7,252 |
| Return on assets (ROA) | -2.7655% | 7,258 |
| Pretax return on assets | -2.8618% | 7,265 |
| Return on Equity (ROE) | -39.0569% | 7,338 |
| Retained earnings to average equity (ytd only) | -39.0569% | 7,331 |
| Net charge-offs to loans | 2.5779% | 721 |
| Credit loss provision to net charge-offs | 114.9873% | 3,769 |
| Earnings coverage of net charge-offs (x) | -0.1135% | 6,233 |
| Efficiency ratio | 105.5464% | 635 |
| Assets per employee ($millions) | 3.8284% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8073% | 469 |
| Loan loss allowance to noncurrent loans | 87.8149% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 6.9741% | 788 |
| Noncurrent loans to loans | 4.3357% | 1,662 |
| Net loans and leases to total assets | 90.3634% | 55 |
| Net loans and leases to deposits | 110.9576% | 216 |
| Net loans and leases to core deposits | 116.7482% | 614 |
| Total domestic deposits to total assets | 81.4396% | 5,376 |
| Equity capital to assets | 6.7782% | 7,182 |
| Core capital (leverage) ratio | 6.2144% | 7,259 |
| Tier 1 risk-based capital ratio | 8.0141% | 7,349 |
| Total risk-based capital ratio | 9.3056% | 7,351 |
| Memoranda: | ||
| Average total assets | $50,912,200 | 6,499 |
| Average earning assets | $46,235,200 | 6,504 |
| Average equity | $3,605,000 | 7,112 |
| Average total loans | $45,813,200 | 5,659 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5026% | 343 |
| Cost of funding earning assets | 1.7556% | 1,608 |
| Net interest margin | 4.7471% | 753 |
| Noninterest income to average assets | 0.2919% | 5,791 |
| Noninterest expense to average assets | 4.9945% | 384 |
| Loan and lease loss provision to assets | 2.7812% | 342 |
| Net operating income to assets | -3.0546% | 7,460 |
| Return on assets (ROA) | -3.0546% | 7,471 |
| Pretax return on assets | -3.1925% | 7,459 |
| Return on Equity (ROE) | -42.6523% | 7,515 |
| Retained earnings to average equity (ytd only) | -42.6523% | 7,513 |
| Net charge-offs to loans | 3.5392% | 376 |
| Credit loss provision to net charge-offs | 88.3642% | 4,833 |
| Earnings coverage of net charge-offs (x) | -0.1307% | 6,130 |
| Efficiency ratio | 108.9751% | 543 |
| Assets per employee ($millions) | 3.7136% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4987% | 540 |
| Loan loss allowance to noncurrent loans | 69.8953% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 8.6784% | 541 |
| Noncurrent loans to loans | 5.0057% | 1,376 |
| Net loans and leases to total assets | 84.9878% | 265 |
| Net loans and leases to deposits | 104.2861% | 417 |
| Net loans and leases to core deposits | 107.7392% | 1,185 |
| Total domestic deposits to total assets | 81.4949% | 5,204 |
| Equity capital to assets | 6.5377% | 7,421 |
| Core capital (leverage) ratio | 5.9282% | 7,443 |
| Tier 1 risk-based capital ratio | 7.5828% | 7,511 |
| Total risk-based capital ratio | 8.8669% | 7,509 |
| Memoranda: | ||
| Average total assets | $50,240,750 | 6,599 |
| Average earning assets | $45,416,500 | 6,607 |
| Average equity | $3,598,000 | 7,202 |
| Average total loans | $44,679,000 | 5,798 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4652% | 359 |
| Cost of funding earning assets | 1.7741% | 1,746 |
| Net interest margin | 4.6910% | 824 |
| Noninterest income to average assets | 0.2900% | 5,831 |
| Noninterest expense to average assets | 4.6317% | 507 |
| Loan and lease loss provision to assets | 4.2209% | 171 |
| Net operating income to assets | -4.2894% | 7,649 |
| Return on assets (ROA) | -4.2894% | 7,651 |
| Pretax return on assets | -4.3136% | 7,635 |
| Return on Equity (ROE) | -58.1280% | 7,648 |
| Retained earnings to average equity (ytd only) | -58.1280% | 7,645 |
| Net charge-offs to loans | 4.4596% | 261 |
| Credit loss provision to net charge-offs | 106.0729% | 3,842 |
| Earnings coverage of net charge-offs (x) | -0.0233% | 5,741 |
| Efficiency ratio | 102.0408% | 734 |
| Assets per employee ($millions) | 3.5361% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0604% | 355 |
| Loan loss allowance to noncurrent loans | 68.3631% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 10.5787% | 356 |
| Noncurrent loans to loans | 5.9394% | 1,080 |
| Net loans and leases to total assets | 85.9125% | 231 |
| Net loans and leases to deposits | 105.5019% | 417 |
| Net loans and leases to core deposits | 109.7008% | 1,184 |
| Total domestic deposits to total assets | 81.4322% | 5,223 |
| Equity capital to assets | 6.0034% | 7,540 |
| Core capital (leverage) ratio | 5.2564% | 7,574 |
| Tier 1 risk-based capital ratio | 6.8728% | 7,612 |
| Total risk-based capital ratio | 8.1664% | 7,613 |
| Memoranda: | ||
| Average total assets | $49,657,330 | 6,661 |
| Average earning assets | $44,979,330 | 6,665 |
| Average equity | $3,664,330 | 7,224 |
| Average total loans | $44,309,330 | 5,852 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4238% | 413 |
| Cost of funding earning assets | 1.8039% | 1,855 |
| Net interest margin | 4.6199% | 913 |
| Noninterest income to average assets | 0.2895% | 5,829 |
| Noninterest expense to average assets | 4.1340% | 867 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3619% | 5,011 |
| Return on assets (ROA) | 0.3619% | 5,141 |
| Pretax return on assets | 0.3780% | 5,356 |
| Return on Equity (ROE) | 4.4882% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.4882% | 3,469 |
| Net charge-offs to loans | 6.0679% | 176 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.0699% | 4,975 |
| Efficiency ratio | 91.6221% | 1,306 |
| Assets per employee ($millions) | 3.6228% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4760% | 1,333 |
| Loan loss allowance to noncurrent loans | 33.4586% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 11.3685% | 310 |
| Noncurrent loans to loans | 7.4002% | 778 |
| Net loans and leases to total assets | 82.9393% | 476 |
| Net loans and leases to deposits | 103.8821% | 534 |
| Net loans and leases to core deposits | 134.3919% | 402 |
| Total domestic deposits to total assets | 79.8399% | 5,841 |
| Equity capital to assets | 8.0424% | 6,609 |
| Core capital (leverage) ratio | 7.6740% | 6,657 |
| Tier 1 risk-based capital ratio | 9.7403% | 7,186 |
| Total risk-based capital ratio | 11.0081% | 7,176 |
| Memoranda: | ||
| Average total assets | $49,733,500 | 6,741 |
| Average earning assets | $45,456,000 | 6,730 |
| Average equity | $4,010,500 | 7,185 |
| Average total loans | $44,298,500 | 5,924 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5431% | 3,908 |
| Cost of funding earning assets | 2.2885% | 1,702 |
| Net interest margin | 3.2547% | 5,909 |
| Noninterest income to average assets | 0.1225% | 7,143 |
| Noninterest expense to average assets | 4.2484% | 1,040 |
| Loan and lease loss provision to assets | 4.1826% | 298 |
| Net operating income to assets | -5.0765% | 7,756 |
| Return on assets (ROA) | -5.0765% | 7,749 |
| Pretax return on assets | -5.2667% | 7,737 |
| Return on Equity (ROE) | -97.9749% | 7,924 |
| Retained earnings to average equity (ytd only) | -97.9749% | 7,923 |
| Net charge-offs to loans | 6.7373% | 133 |
| Credit loss provision to net charge-offs | 69.1239% | 6,507 |
| Earnings coverage of net charge-offs (x) | -0.1792% | 6,418 |
| Efficiency ratio | 134.2577% | 433 |
| Assets per employee ($millions) | 3.4820% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8273% | 399 |
| Loan loss allowance to noncurrent loans | 35.1728% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 11.2599% | 288 |
| Noncurrent loans to loans | 10.8814% | 349 |
| Net loans and leases to total assets | 89.6919% | 95 |
| Net loans and leases to deposits | 112.9764% | 291 |
| Net loans and leases to core deposits | 152.1488% | 461 |
| Total domestic deposits to total assets | 79.3899% | 5,880 |
| Equity capital to assets | 8.0865% | 6,482 |
| Core capital (leverage) ratio | 7.4895% | 6,797 |
| Tier 1 risk-based capital ratio | 9.2948% | 7,335 |
| Total risk-based capital ratio | 10.5843% | 7,295 |
| Memoranda: | ||
| Average total assets | $54,702,600 | 6,536 |
| Average earning assets | $51,126,200 | 6,492 |
| Average equity | $2,834,400 | 7,635 |
| Average total loans | $49,129,400 | 5,713 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2927% | 5,466 |
| Cost of funding earning assets | 2.3940% | 1,658 |
| Net interest margin | 2.8987% | 6,865 |
| Noninterest income to average assets | 0.0997% | 7,405 |
| Noninterest expense to average assets | 4.2378% | 991 |
| Loan and lease loss provision to assets | 4.5985% | 209 |
| Net operating income to assets | -5.7825% | 7,915 |
| Return on assets (ROA) | -5.7825% | 7,911 |
| Pretax return on assets | -6.0245% | 7,909 |
| Return on Equity (ROE) | -127.0479% | 8,045 |
| Retained earnings to average equity (ytd only) | -127.0479% | 8,044 |
| Net charge-offs to loans | 7.5395% | 91 |
| Credit loss provision to net charge-offs | 68.4806% | 6,012 |
| Earnings coverage of net charge-offs (x) | -0.2124% | 6,297 |
| Efficiency ratio | 150.7173% | 311 |
| Assets per employee ($millions) | 3.6720% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2101% | 253 |
| Loan loss allowance to noncurrent loans | 28.9205% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 12.6634% | 198 |
| Noncurrent loans to loans | 14.5575% | 158 |
| Net loans and leases to total assets | 82.7634% | 702 |
| Net loans and leases to deposits | 99.1240% | 1,200 |
| Net loans and leases to core deposits | 130.3803% | 1,414 |
| Total domestic deposits to total assets | 83.4948% | 3,965 |
| Equity capital to assets | 4.6685% | 7,972 |
| Core capital (leverage) ratio | 4.1781% | 7,971 |
| Tier 1 risk-based capital ratio | 5.4840% | 7,976 |
| Total risk-based capital ratio | 6.7617% | 7,982 |
| Memoranda: | ||
| Average total assets | $56,191,250 | 6,537 |
| Average earning assets | $52,574,500 | 6,473 |
| Average equity | $2,557,500 | 7,789 |
| Average total loans | $50,046,000 | 5,719 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1558% | 6,237 |
| Cost of funding earning assets | 2.5593% | 1,406 |
| Net interest margin | 2.5964% | 7,364 |
| Noninterest income to average assets | 0.1488% | 7,200 |
| Noninterest expense to average assets | 4.3644% | 886 |
| Loan and lease loss provision to assets | 5.7038% | 154 |
| Net operating income to assets | -7.1956% | 8,063 |
| Return on assets (ROA) | -7.1956% | 8,051 |
| Pretax return on assets | -7.4967% | 8,039 |
| Return on Equity (ROE) | -159.3103% | 8,131 |
| Retained earnings to average equity (ytd only) | -159.3103% | 8,129 |
| Net charge-offs to loans | 9.7415% | 60 |
| Credit loss provision to net charge-offs | 65.1641% | 5,505 |
| Earnings coverage of net charge-offs (x) | -0.2048% | 5,889 |
| Efficiency ratio | 169.7174% | 288 |
| Assets per employee ($millions) | 3.7094% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1428% | 229 |
| Loan loss allowance to noncurrent loans | 29.6081% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 12.5530% | 158 |
| Noncurrent loans to loans | 13.9922% | 159 |
| Net loans and leases to total assets | 83.8077% | 662 |
| Net loans and leases to deposits | 100.9650% | 1,175 |
| Net loans and leases to core deposits | 129.9039% | 1,574 |
| Total domestic deposits to total assets | 83.0066% | 4,232 |
| Equity capital to assets | 5.2781% | 8,022 |
| Core capital (leverage) ratio | 4.3701% | 8,069 |
| Tier 1 risk-based capital ratio | 6.3115% | 8,041 |
| Total risk-based capital ratio | 7.6042% | 8,046 |
| Memoranda: | ||
| Average total assets | $57,785,670 | 6,525 |
| Average earning assets | $53,920,330 | 6,478 |
| Average equity | $2,610,000 | 7,853 |
| Average total loans | $51,922,330 | 5,680 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5749% | 4,497 |
| Cost of funding earning assets | 2.6530% | 1,402 |
| Net interest margin | 2.9219% | 6,695 |
| Noninterest income to average assets | 0.0329% | 7,914 |
| Noninterest expense to average assets | 4.4011% | 784 |
| Loan and lease loss provision to assets | 0.7774% | 1,651 |
| Net operating income to assets | -2.3257% | 7,728 |
| Return on assets (ROA) | -2.3257% | 7,729 |
| Pretax return on assets | -2.4245% | 7,648 |
| Return on Equity (ROE) | -55.4922% | 8,068 |
| Retained earnings to average equity (ytd only) | -55.4922% | 8,050 |
| Net charge-offs to loans | 3.3779% | 368 |
| Credit loss provision to net charge-offs | 25.3219% | 5,004 |
| Earnings coverage of net charge-offs (x) | -0.5365% | 5,265 |
| Efficiency ratio | 159.8086% | 308 |
| Assets per employee ($millions) | 4.3486% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6000% | 140 |
| Loan loss allowance to noncurrent loans | 48.3962% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 8.6776% | 305 |
| Noncurrent loans to loans | 9.5049% | 324 |
| Net loans and leases to total assets | 82.2326% | 980 |
| Net loans and leases to deposits | 97.6401% | 1,712 |
| Net loans and leases to core deposits | 124.8821% | 2,002 |
| Total domestic deposits to total assets | 84.2200% | 3,594 |
| Equity capital to assets | 5.7029% | 8,038 |
| Core capital (leverage) ratio | 5.3053% | 8,097 |
| Tier 1 risk-based capital ratio | 6.9866% | 8,098 |
| Total risk-based capital ratio | 8.2814% | 8,102 |
| Memoranda: | ||
| Average total assets | $60,712,500 | 6,450 |
| Average earning assets | $56,539,500 | 6,397 |
| Average equity | $2,544,500 | 7,922 |
| Average total loans | $55,181,500 | 5,584 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4838% | 3,039 |
| Cost of funding earning assets | 3.1368% | 1,392 |
| Net interest margin | 3.3470% | 5,878 |
| Noninterest income to average assets | 0.1313% | 7,453 |
| Noninterest expense to average assets | 3.1173% | 3,637 |
| Loan and lease loss provision to assets | 7.0797% | 40 |
| Net operating income to assets | -6.5638% | 8,175 |
| Return on assets (ROA) | -6.5638% | 8,170 |
| Pretax return on assets | -6.8914% | 8,158 |
| Return on Equity (ROE) | -93.9524% | 8,269 |
| Retained earnings to average equity (ytd only) | -95.9909% | 8,267 |
| Net charge-offs to loans | 3.8739% | 177 |
| Credit loss provision to net charge-offs | 195.8844% | 2,503 |
| Earnings coverage of net charge-offs (x) | 0.0521% | 6,219 |
| Efficiency ratio | 94.3035% | 1,263 |
| Assets per employee ($millions) | 4.6572% | 2,388 |
| Cash dividends to net income (ytd only)* | -2.1697% | 7,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7715% | 112 |
| Loan loss allowance to noncurrent loans | 53.0746% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 9.9894% | 163 |
| Noncurrent loans to loans | 8.9902% | 265 |
| Net loans and leases to total assets | 91.0462% | 130 |
| Net loans and leases to deposits | 104.4154% | 1,299 |
| Net loans and leases to core deposits | 133.7547% | 1,607 |
| Total domestic deposits to total assets | 87.1961% | 1,842 |
| Equity capital to assets | 2.6708% | 8,277 |
| Core capital (leverage) ratio | 2.2621% | 8,284 |
| Tier 1 risk-based capital ratio | 2.8399% | 8,288 |
| Total risk-based capital ratio | 4.1417% | 8,288 |
| Memoranda: | ||
| Average total assets | $63,195,000 | 6,267 |
| Average earning assets | $59,933,600 | 6,172 |
| Average equity | $4,415,000 | 7,355 |
| Average total loans | $58,958,600 | 5,318 |