Home > Kendall Bank > Performance and Condition Ratios
Kendall Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9677% | 231 |
| Cost of funding earning assets | 2.3669% | 487 |
| Net interest margin | 4.6008% | 525 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 3.5938% | 512 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8140% | 2,826 |
| Return on assets (ROA) | 0.8175% | 2,795 |
| Pretax return on assets | 1.0822% | 2,463 |
| Return on Equity (ROE) | 7.7700% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.7656% | 1,606 |
| Net charge-offs to loans | 0.0822% | 1,042 |
| Credit loss provision to net charge-offs | 85.2941% | 1,981 |
| Earnings coverage of net charge-offs (x) | 15.1275% | 2,056 |
| Efficiency ratio | 75.6466% | 1,283 |
| Assets per employee ($millions) | 5.2611% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 3,220 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 1,699 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 92.6900% | 9 |
| Net loans and leases to deposits | 109.6430% | 210 |
| Net loans and leases to core deposits | 121.0743% | 591 |
| Total domestic deposits to total assets | 84.5400% | 2,456 |
| Equity capital to assets | 10.7801% | 1,595 |
| Core capital (leverage) ratio | 10.1708% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $135,651,800 | 3,497 |
| Average earning assets | $129,411,200 | 3,453 |
| Average equity | $14,281,000 | 3,317 |
| Average total loans | $124,088,400 | 2,914 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8153% | 230 |
| Cost of funding earning assets | 2.1686% | 528 |
| Net interest margin | 4.6467% | 496 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 3.5409% | 526 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8776% | 2,765 |
| Return on assets (ROA) | 0.8815% | 2,734 |
| Pretax return on assets | 1.1524% | 2,411 |
| Return on Equity (ROE) | 8.4200% | 3,080 |
| Retained earnings to average equity (ytd only) | 8.4245% | 1,831 |
| Net charge-offs to loans | -0.0011% | 3,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.4792% | 1,319 |
| Assets per employee ($millions) | 5.3830% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,049 |
| Loan loss allowance to noncurrent loans | 204.5113% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 865 |
| Noncurrent loans to loans | 0.5205% | 1,518 |
| Net loans and leases to total assets | 93.9300% | 8 |
| Net loans and leases to deposits | 110.7286% | 189 |
| Net loans and leases to core deposits | 122.4334% | 498 |
| Total domestic deposits to total assets | 84.8300% | 2,548 |
| Equity capital to assets | 10.7985% | 1,433 |
| Core capital (leverage) ratio | 10.1916% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $135,367,500 | 3,504 |
| Average earning assets | $129,235,500 | 3,460 |
| Average equity | $14,164,750 | 3,322 |
| Average total loans | $123,087,500 | 2,923 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6494% | 226 |
| Cost of funding earning assets | 1.9653% | 534 |
| Net interest margin | 4.6841% | 469 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 3.4712% | 555 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9520% | 2,576 |
| Return on assets (ROA) | 0.9555% | 2,556 |
| Pretax return on assets | 1.2519% | 2,220 |
| Return on Equity (ROE) | 9.2300% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.2292% | 1,622 |
| Net charge-offs to loans | -0.0016% | 3,505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.5466% | 1,502 |
| Assets per employee ($millions) | 5.3320% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 2,985 |
| Loan loss allowance to noncurrent loans | 1,609.5238% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 2,079 |
| Noncurrent loans to loans | 0.0679% | 3,213 |
| Net loans and leases to total assets | 88.2600% | 75 |
| Net loans and leases to deposits | 105.5651% | 323 |
| Net loans and leases to core deposits | 108.7767% | 874 |
| Total domestic deposits to total assets | 83.6000% | 2,913 |
| Equity capital to assets | 10.3043% | 1,686 |
| Core capital (leverage) ratio | 9.9686% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $135,632,000 | 3,509 |
| Average earning assets | $129,544,667 | 3,465 |
| Average equity | $14,042,333 | 3,347 |
| Average total loans | $121,526,667 | 2,927 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4994% | 182 |
| Cost of funding earning assets | 1.8049% | 449 |
| Net interest margin | 4.6945% | 446 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 3.5487% | 510 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1720% | 2,018 |
| Return on assets (ROA) | 1.1750% | 1,969 |
| Pretax return on assets | 1.1750% | 2,495 |
| Return on Equity (ROE) | 11.3200% | 2,400 |
| Retained earnings to average equity (ytd only) | 11.3210% | 1,395 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.6052% | 1,282 |
| Assets per employee ($millions) | 5.8118% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,087 |
| Loan loss allowance to noncurrent loans | 410.5919% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 1,964 |
| Noncurrent loans to loans | 0.2666% | 2,193 |
| Net loans and leases to total assets | 85.3700% | 161 |
| Net loans and leases to deposits | 95.5380% | 678 |
| Net loans and leases to core deposits | 99.4463% | 1,117 |
| Total domestic deposits to total assets | 89.3500% | 1,396 |
| Equity capital to assets | 10.0594% | 1,786 |
| Core capital (leverage) ratio | 9.5016% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9379% | 2,413 |
| Memoranda: | ||
| Average total assets | $134,132,000 | 3,577 |
| Average earning assets | $128,319,500 | 3,525 |
| Average equity | $13,921,000 | 3,397 |
| Average total loans | $120,438,500 | 2,973 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1502% | 84 |
| Cost of funding earning assets | 0.4036% | 2,069 |
| Net interest margin | 5.7466% | 65 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 5.1536% | 205 |
| Loan and lease loss provision to assets | 0.8600% | 51 |
| Net operating income to assets | 0.0489% | 4,538 |
| Return on assets (ROA) | 0.0535% | 4,523 |
| Pretax return on assets | 0.1538% | 4,470 |
| Return on Equity (ROE) | 0.4800% | 4,519 |
| Retained earnings to average equity (ytd only) | 0.4755% | 4,278 |
| Net charge-offs to loans | 0.7765% | 87 |
| Credit loss provision to net charge-offs | 131.3676% | 1,399 |
| Earnings coverage of net charge-offs (x) | 1.5395% | 2,535 |
| Efficiency ratio | 83.2533% | 527 |
| Assets per employee ($millions) | 4.3100% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 3,276 |
| Loan loss allowance to noncurrent loans | 381.6199% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 1,910 |
| Noncurrent loans to loans | 0.2664% | 2,201 |
| Net loans and leases to total assets | 92.2400% | 15 |
| Net loans and leases to deposits | 104.3895% | 285 |
| Net loans and leases to core deposits | 112.9575% | 517 |
| Total domestic deposits to total assets | 88.3600% | 1,944 |
| Equity capital to assets | 11.0813% | 1,229 |
| Core capital (leverage) ratio | 10.4588% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7979% | 2,453 |
| Memoranda: | ||
| Average total assets | $121,603,200 | 3,713 |
| Average earning assets | $113,476,200 | 3,691 |
| Average equity | $13,669,400 | 3,509 |
| Average total loans | $102,636,200 | 3,115 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1862% | 68 |
| Cost of funding earning assets | 0.2619% | 2,580 |
| Net interest margin | 5.9243% | 52 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 5.6305% | 181 |
| Loan and lease loss provision to assets | 0.9500% | 46 |
| Net operating income to assets | -0.1872% | 4,643 |
| Return on assets (ROA) | -0.1794% | 4,622 |
| Pretax return on assets | -0.0969% | 4,596 |
| Return on Equity (ROE) | -1.5900% | 4,608 |
| Retained earnings to average equity (ytd only) | -1.5895% | 4,466 |
| Net charge-offs to loans | 1.0865% | 46 |
| Credit loss provision to net charge-offs | 106.8750% | 1,287 |
| Earnings coverage of net charge-offs (x) | 0.9513% | 2,284 |
| Efficiency ratio | 86.5864% | 440 |
| Assets per employee ($millions) | 4.1857% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,466 |
| Loan loss allowance to noncurrent loans | 264.1026% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 1,698 |
| Noncurrent loans to loans | 0.3800% | 1,870 |
| Net loans and leases to total assets | 80.9200% | 453 |
| Net loans and leases to deposits | 91.2672% | 809 |
| Net loans and leases to core deposits | 95.1207% | 1,043 |
| Total domestic deposits to total assets | 88.6600% | 2,233 |
| Equity capital to assets | 11.2303% | 1,089 |
| Core capital (leverage) ratio | 10.5480% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7099% | 1,806 |
| Memoranda: | ||
| Average total assets | $119,679,250 | 3,756 |
| Average earning assets | $110,997,000 | 3,741 |
| Average equity | $13,504,750 | 3,561 |
| Average total loans | $98,172,750 | 3,185 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1132% | 61 |
| Cost of funding earning assets | 0.2236% | 2,601 |
| Net interest margin | 5.8896% | 52 |
| Noninterest income to average assets | 1.3286% | 400 |
| Noninterest expense to average assets | 5.8582% | 135 |
| Loan and lease loss provision to assets | 1.3371% | 31 |
| Net operating income to assets | -0.5777% | 4,688 |
| Return on assets (ROA) | -0.5743% | 4,673 |
| Pretax return on assets | -0.4485% | 4,644 |
| Return on Equity (ROE) | -5.0805% | 4,677 |
| Retained earnings to average equity (ytd only) | -5.0805% | 4,546 |
| Net charge-offs to loans | 0.6557% | 94 |
| Credit loss provision to net charge-offs | 248.2650% | 872 |
| Earnings coverage of net charge-offs (x) | 1.6435% | 2,060 |
| Efficiency ratio | 86.6213% | 559 |
| Assets per employee ($millions) | 3.1726% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,813 |
| Loan loss allowance to noncurrent loans | 219.6049% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5605% | 1,011 |
| Noncurrent loans to loans | 0.6305% | 1,347 |
| Net loans and leases to total assets | 87.6776% | 52 |
| Net loans and leases to deposits | 100.0612% | 266 |
| Net loans and leases to core deposits | 103.1903% | 541 |
| Total domestic deposits to total assets | 87.6239% | 2,724 |
| Equity capital to assets | 11.8624% | 922 |
| Core capital (leverage) ratio | 10.7723% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3285% | 1,929 |
| Memoranda: | ||
| Average total assets | $117,715,333 | 3,817 |
| Average earning assets | $108,225,333 | 3,820 |
| Average equity | $13,305,667 | 3,653 |
| Average total loans | $96,685,000 | 3,232 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9748% | 72 |
| Cost of funding earning assets | 0.2125% | 2,632 |
| Net interest margin | 5.7623% | 57 |
| Noninterest income to average assets | 0.6753% | 1,396 |
| Noninterest expense to average assets | 6.0503% | 122 |
| Loan and lease loss provision to assets | 1.6831% | 23 |
| Net operating income to assets | -1.8120% | 4,759 |
| Return on assets (ROA) | -1.8120% | 4,759 |
| Pretax return on assets | -1.8120% | 4,756 |
| Return on Equity (ROE) | -16.4358% | 4,767 |
| Retained earnings to average equity (ytd only) | -16.4358% | 4,660 |
| Net charge-offs to loans | 0.4653% | 148 |
| Credit loss provision to net charge-offs | 459.2593% | 545 |
| Earnings coverage of net charge-offs (x) | -0.3519% | 1,790 |
| Efficiency ratio | 101.6619% | 217 |
| Assets per employee ($millions) | 3.2721% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,807 |
| Loan loss allowance to noncurrent loans | 415.5488% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 2,052 |
| Noncurrent loans to loans | 0.3435% | 2,252 |
| Net loans and leases to total assets | 77.7505% | 394 |
| Net loans and leases to deposits | 87.9384% | 625 |
| Net loans and leases to core deposits | 93.1170% | 771 |
| Total domestic deposits to total assets | 88.4148% | 2,330 |
| Equity capital to assets | 11.3399% | 1,181 |
| Core capital (leverage) ratio | 10.6147% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5022% | 1,384 |
| Memoranda: | ||
| Average total assets | $117,879,000 | 3,839 |
| Average earning assets | $107,318,000 | 3,840 |
| Average equity | $12,996,000 | 3,754 |
| Average total loans | $92,843,500 | 3,287 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0454% | 40 |
| Cost of funding earning assets | 0.2135% | 3,335 |
| Net interest margin | 6.8318% | 34 |
| Noninterest income to average assets | 0.2995% | 3,604 |
| Noninterest expense to average assets | 7.6539% | 97 |
| Loan and lease loss provision to assets | 0.9892% | 37 |
| Net operating income to assets | -1.3937% | 4,803 |
| Return on assets (ROA) | -1.3937% | 4,803 |
| Pretax return on assets | -2.0492% | 4,811 |
| Return on Equity (ROE) | -11.1396% | 4,809 |
| Retained earnings to average equity (ytd only) | -11.1396% | 4,774 |
| Net charge-offs to loans | 0.3782% | 223 |
| Credit loss provision to net charge-offs | 349.6094% | 992 |
| Earnings coverage of net charge-offs (x) | -3.7461% | 2,670 |
| Efficiency ratio | 116.0744% | 74 |
| Assets per employee ($millions) | 2.6066% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 3,435 |
| Loan loss allowance to noncurrent loans | 441.1765% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 2,597 |
| Noncurrent loans to loans | 0.2450% | 2,748 |
| Net loans and leases to total assets | 77.7906% | 391 |
| Net loans and leases to deposits | 87.3984% | 685 |
| Net loans and leases to core deposits | 93.0478% | 825 |
| Total domestic deposits to total assets | 89.0069% | 1,515 |
| Equity capital to assets | 10.6923% | 2,015 |
| Core capital (leverage) ratio | 10.7579% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5643% | 2,031 |
| Memoranda: | ||
| Average total assets | $90,476,400 | 4,095 |
| Average earning assets | $83,359,800 | 4,088 |
| Average equity | $11,320,000 | 4,003 |
| Average total loans | $67,683,800 | 3,696 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6179% | 31 |
| Cost of funding earning assets | 0.2173% | 3,447 |
| Net interest margin | 7.4006% | 27 |
| Noninterest income to average assets | 1.3708% | 629 |
| Noninterest expense to average assets | 8.3877% | 92 |
| Loan and lease loss provision to assets | 0.9002% | 46 |
| Net operating income to assets | -0.7723% | 4,848 |
| Return on assets (ROA) | -0.7723% | 4,851 |
| Pretax return on assets | -1.0313% | 4,861 |
| Return on Equity (ROE) | -5.8821% | 4,858 |
| Retained earnings to average equity (ytd only) | -5.8821% | 4,802 |
| Net charge-offs to loans | 0.4018% | 190 |
| Credit loss provision to net charge-offs | 304.8128% | 994 |
| Earnings coverage of net charge-offs (x) | -0.4439% | 2,415 |
| Efficiency ratio | 101.5876% | 145 |
| Assets per employee ($millions) | 1.9239% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,780 |
| Loan loss allowance to noncurrent loans | 641.9643% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 3,309 |
| Noncurrent loans to loans | 0.1587% | 3,331 |
| Net loans and leases to total assets | 75.6489% | 573 |
| Net loans and leases to deposits | 86.9156% | 774 |
| Net loans and leases to core deposits | 94.1726% | 821 |
| Total domestic deposits to total assets | 87.0372% | 2,339 |
| Equity capital to assets | 12.5448% | 1,155 |
| Core capital (leverage) ratio | 11.2112% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2050% | 1,310 |
| Memoranda: | ||
| Average total assets | $84,423,000 | 4,209 |
| Average earning assets | $78,550,250 | 4,198 |
| Average equity | $11,084,250 | 4,078 |
| Average total loans | $62,056,500 | 3,837 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6793% | 19 |
| Cost of funding earning assets | 0.2119% | 3,637 |
| Net interest margin | 9.4675% | 17 |
| Noninterest income to average assets | 0.5943% | 2,241 |
| Noninterest expense to average assets | 9.6795% | 76 |
| Loan and lease loss provision to assets | 0.6187% | 73 |
| Net operating income to assets | -0.5600% | 4,873 |
| Return on assets (ROA) | -0.5600% | 4,876 |
| Pretax return on assets | -0.9611% | 4,894 |
| Return on Equity (ROE) | -4.1952% | 4,869 |
| Retained earnings to average equity (ytd only) | -4.1952% | 4,764 |
| Net charge-offs to loans | 0.3513% | 242 |
| Credit loss provision to net charge-offs | 243.2692% | 972 |
| Earnings coverage of net charge-offs (x) | -1.3462% | 2,210 |
| Efficiency ratio | 103.6668% | 135 |
| Assets per employee ($millions) | 1.9771% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 4,474 |
| Loan loss allowance to noncurrent loans | 646.6667% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 3,671 |
| Noncurrent loans to loans | 0.1139% | 3,620 |
| Net loans and leases to total assets | 70.3632% | 1,152 |
| Net loans and leases to deposits | 80.8750% | 1,344 |
| Net loans and leases to core deposits | 87.5794% | 1,303 |
| Total domestic deposits to total assets | 87.0024% | 2,317 |
| Equity capital to assets | 12.2088% | 1,267 |
| Core capital (leverage) ratio | 11.1797% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2957% | 1,266 |
| Memoranda: | ||
| Average total assets | $81,781,000 | 4,267 |
| Average earning assets | $75,521,667 | 4,268 |
| Average equity | $10,917,333 | 4,107 |
| Average total loans | $59,215,333 | 3,910 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4270% | 15 |
| Cost of funding earning assets | 0.2036% | 3,877 |
| Net interest margin | 11.2233% | 12 |
| Noninterest income to average assets | 0.1522% | 4,441 |
| Noninterest expense to average assets | 8.9228% | 82 |
| Loan and lease loss provision to assets | 0.3202% | 275 |
| Net operating income to assets | 1.3227% | 1,753 |
| Return on assets (ROA) | 1.3594% | 1,749 |
| Pretax return on assets | 1.3594% | 2,396 |
| Return on Equity (ROE) | 9.6791% | 2,795 |
| Retained earnings to average equity (ytd only) | 9.6791% | 1,745 |
| Net charge-offs to loans | 0.0215% | 1,304 |
| Credit loss provision to net charge-offs | 2,033.3333% | 245 |
| Earnings coverage of net charge-offs (x) | 104.3333% | 603 |
| Efficiency ratio | 84.4511% | 572 |
| Assets per employee ($millions) | 3.0680% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5897% | 4,689 |
| Loan loss allowance to noncurrent loans | 94.2584% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.4698% | 1,981 |
| Noncurrent loans to loans | 0.6257% | 2,006 |
| Net loans and leases to total assets | 74.6468% | 759 |
| Net loans and leases to deposits | 85.7586% | 975 |
| Net loans and leases to core deposits | 88.7472% | 1,311 |
| Total domestic deposits to total assets | 87.0430% | 2,297 |
| Equity capital to assets | 12.7379% | 983 |
| Core capital (leverage) ratio | 14.0027% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9207% | 1,082 |
| Memoranda: | ||
| Average total assets | $76,209,000 | 4,366 |
| Average earning assets | $70,710,000 | 4,349 |
| Average equity | $10,703,500 | 4,147 |
| Average total loans | $55,888,000 | 3,991 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 568 |
| Cost of funding earning assets | 0.3337% | 3,958 |
| Net interest margin | 4.5963% | 263 |
| Noninterest income to average assets | 0.6073% | 2,192 |
| Noninterest expense to average assets | 4.9002% | 201 |
| Loan and lease loss provision to assets | 0.6988% | 231 |
| Net operating income to assets | -0.9068% | 4,922 |
| Return on assets (ROA) | -0.9068% | 4,926 |
| Pretax return on assets | -0.9235% | 4,921 |
| Return on Equity (ROE) | -6.0534% | 4,905 |
| Retained earnings to average equity (ytd only) | -6.0534% | 4,854 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8043% | 138 |
| Assets per employee ($millions) | 2.3499% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 4,513 |
| Loan loss allowance to noncurrent loans | 448.0000% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 3,700 |
| Noncurrent loans to loans | 0.1668% | 3,609 |
| Net loans and leases to total assets | 70.3453% | 1,512 |
| Net loans and leases to deposits | 83.8695% | 1,475 |
| Net loans and leases to core deposits | 84.2670% | 2,014 |
| Total domestic deposits to total assets | 83.8747% | 3,149 |
| Equity capital to assets | 15.8778% | 442 |
| Core capital (leverage) ratio | 15.4537% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3612% | 637 |
| Memoranda: | ||
| Average total assets | $48,080,000 | 4,678 |
| Average earning assets | $42,556,200 | 4,688 |
| Average equity | $7,202,600 | 4,502 |
| Average total loans | $31,201,400 | 4,496 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6595% | 1,162 |
| Cost of funding earning assets | 0.3863% | 3,890 |
| Net interest margin | 4.2732% | 623 |
| Noninterest income to average assets | 0.5726% | 2,290 |
| Noninterest expense to average assets | 4.3852% | 271 |
| Loan and lease loss provision to assets | 0.2102% | 1,909 |
| Net operating income to assets | -0.0211% | 4,784 |
| Return on assets (ROA) | -0.0211% | 4,801 |
| Pretax return on assets | -0.2562% | 4,854 |
| Return on Equity (ROE) | -0.1439% | 4,800 |
| Retained earnings to average equity (ytd only) | -0.1439% | 4,498 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0417% | 164 |
| Assets per employee ($millions) | 2.4761% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2120% | 4,958 |
| Loan loss allowance to noncurrent loans | 583.3333% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 4,354 |
| Noncurrent loans to loans | 0.0363% | 4,245 |
| Net loans and leases to total assets | 63.3551% | 2,839 |
| Net loans and leases to deposits | 79.6249% | 2,356 |
| Net loans and leases to core deposits | 80.1109% | 2,833 |
| Total domestic deposits to total assets | 79.5669% | 3,951 |
| Equity capital to assets | 20.1985% | 203 |
| Core capital (leverage) ratio | 19.7887% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4550% | 212 |
| Memoranda: | ||
| Average total assets | $44,238,250 | 4,740 |
| Average earning assets | $39,001,500 | 4,753 |
| Average equity | $6,484,750 | 4,608 |
| Average total loans | $27,759,750 | 4,586 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8784% | 1,012 |
| Cost of funding earning assets | 0.4565% | 3,761 |
| Net interest margin | 4.4219% | 594 |
| Noninterest income to average assets | 0.6915% | 1,774 |
| Noninterest expense to average assets | 4.4800% | 255 |
| Loan and lease loss provision to assets | 0.1585% | 2,413 |
| Net operating income to assets | 0.2833% | 4,447 |
| Return on assets (ROA) | 0.2833% | 4,484 |
| Pretax return on assets | -0.0864% | 4,818 |
| Return on Equity (ROE) | 2.2933% | 4,473 |
| Retained earnings to average equity (ytd only) | 2.2933% | 3,640 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4177% | 200 |
| Assets per employee ($millions) | 2.6787% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1068% | 5,012 |
| Loan loss allowance to noncurrent loans | 25.5814% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.1331% | 994 |
| Noncurrent loans to loans | 0.4176% | 2,916 |
| Net loans and leases to total assets | 67.7654% | 2,399 |
| Net loans and leases to deposits | 77.6581% | 2,698 |
| Net loans and leases to core deposits | 77.6581% | 3,135 |
| Total domestic deposits to total assets | 87.2612% | 1,518 |
| Equity capital to assets | 12.2293% | 1,523 |
| Core capital (leverage) ratio | 10.1176% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9657% | 1,252 |
| Memoranda: | ||
| Average total assets | $41,651,333 | 4,793 |
| Average earning assets | $36,364,667 | 4,812 |
| Average equity | $5,145,333 | 4,783 |
| Average total loans | $26,008,333 | 4,649 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1957% | 664 |
| Cost of funding earning assets | 0.5103% | 3,895 |
| Net interest margin | 4.6854% | 343 |
| Noninterest income to average assets | 0.2720% | 3,903 |
| Noninterest expense to average assets | 4.6842% | 263 |
| Loan and lease loss provision to assets | 0.1713% | 1,719 |
| Net operating income to assets | -0.5138% | 4,934 |
| Return on assets (ROA) | -0.5339% | 4,911 |
| Pretax return on assets | -0.5339% | 4,896 |
| Return on Equity (ROE) | -4.2972% | 4,902 |
| Retained earnings to average equity (ytd only) | -4.2972% | 4,461 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8886% | 156 |
| Assets per employee ($millions) | 2.3336% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0725% | 5,053 |
| Loan loss allowance to noncurrent loans | 23.6111% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 1,098 |
| Noncurrent loans to loans | 0.3071% | 3,401 |
| Net loans and leases to total assets | 59.0593% | 3,590 |
| Net loans and leases to deposits | 67.6210% | 3,752 |
| Net loans and leases to core deposits | 71.5464% | 3,780 |
| Total domestic deposits to total assets | 87.3387% | 1,408 |
| Equity capital to assets | 12.3689% | 1,820 |
| Core capital (leverage) ratio | 10.1050% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2408% | 1,830 |
| Memoranda: | ||
| Average total assets | $39,708,000 | 4,858 |
| Average earning assets | $34,490,000 | 4,872 |
| Average equity | $4,933,500 | 4,844 |
| Average total loans | $23,566,500 | 4,732 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2818% | 848 |
| Cost of funding earning assets | 0.5859% | 3,692 |
| Net interest margin | 4.6959% | 475 |
| Noninterest income to average assets | -0.0163% | 5,144 |
| Noninterest expense to average assets | 4.7333% | 253 |
| Loan and lease loss provision to assets | 0.8137% | 128 |
| Net operating income to assets | -1.5054% | 5,120 |
| Return on assets (ROA) | -1.1989% | 5,108 |
| Pretax return on assets | -1.0389% | 5,098 |
| Return on Equity (ROE) | -11.5640% | 5,130 |
| Retained earnings to average equity (ytd only) | -12.2443% | 5,091 |
| Net charge-offs to loans | 1.4022% | 104 |
| Credit loss provision to net charge-offs | 89.0208% | 2,666 |
| Earnings coverage of net charge-offs (x) | -0.5816% | 3,646 |
| Efficiency ratio | 112.6533% | 94 |
| Assets per employee ($millions) | 2.4840% | 5,000 |
| Cash dividends to net income (ytd only)* | -5.8824% | 5,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.1448% | 1,043 |
| Noncurrent loans to loans | 0.2913% | 3,387 |
| Net loans and leases to total assets | 59.5964% | 3,624 |
| Net loans and leases to deposits | 68.2594% | 3,797 |
| Net loans and leases to core deposits | 71.5589% | 3,882 |
| Total domestic deposits to total assets | 87.3088% | 1,448 |
| Equity capital to assets | 12.4799% | 1,826 |
| Core capital (leverage) ratio | 10.5781% | 2,875 |
| Tier 1 risk-based capital ratio | 15.5336% | 2,569 |
| Total risk-based capital ratio | 15.5336% | 3,042 |
| Memoranda: | ||
| Average total assets | $36,866,400 | 4,943 |
| Average earning assets | $33,113,800 | 4,943 |
| Average equity | $3,822,200 | 5,005 |
| Average total loans | $24,033,600 | 4,782 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 844 |
| Cost of funding earning assets | 0.5697% | 3,820 |
| Net interest margin | 4.7405% | 461 |
| Noninterest income to average assets | 0.3652% | 3,530 |
| Noninterest expense to average assets | 4.6217% | 273 |
| Loan and lease loss provision to assets | 1.1102% | 81 |
| Net operating income to assets | -1.2873% | 5,192 |
| Return on assets (ROA) | -0.8852% | 5,172 |
| Pretax return on assets | -0.6676% | 5,151 |
| Return on Equity (ROE) | -9.0450% | 5,195 |
| Retained earnings to average equity (ytd only) | -10.0250% | 5,143 |
| Net charge-offs to loans | 1.5809% | 79 |
| Credit loss provision to net charge-offs | 105.2448% | 2,161 |
| Earnings coverage of net charge-offs (x) | 0.0385% | 3,379 |
| Efficiency ratio | 99.1297% | 157 |
| Assets per employee ($millions) | 2.2551% | 5,129 |
| Cash dividends to net income (ytd only)* | -10.8347% | 5,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 1,044 |
| Loan loss allowance to noncurrent loans | 2,861.5385% | 243 |
| Noncurrent assets plus other real estate owned to assets | 1.6158% | 646 |
| Noncurrent loans to loans | 0.0551% | 4,392 |
| Net loans and leases to total assets | 64.3552% | 3,251 |
| Net loans and leases to deposits | 71.4066% | 3,648 |
| Net loans and leases to core deposits | 74.3802% | 3,805 |
| Total domestic deposits to total assets | 90.1250% | 257 |
| Equity capital to assets | 9.6367% | 4,350 |
| Core capital (leverage) ratio | 8.8544% | 4,745 |
| Tier 1 risk-based capital ratio | 13.2045% | 3,737 |
| Total risk-based capital ratio | 14.4598% | 3,642 |
| Memoranda: | ||
| Average total assets | $36,147,000 | 5,027 |
| Average earning assets | $32,766,250 | 5,023 |
| Average equity | $3,537,750 | 5,107 |
| Average total loans | $24,120,500 | 4,850 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1771% | 1,029 |
| Cost of funding earning assets | 0.5408% | 3,933 |
| Net interest margin | 4.6363% | 570 |
| Noninterest income to average assets | 0.3594% | 3,524 |
| Noninterest expense to average assets | 4.5232% | 295 |
| Loan and lease loss provision to assets | 1.6644% | 49 |
| Net operating income to assets | -1.9354% | 5,257 |
| Return on assets (ROA) | -1.3492% | 5,241 |
| Pretax return on assets | -1.0230% | 5,225 |
| Return on Equity (ROE) | -13.7156% | 5,259 |
| Retained earnings to average equity (ytd only) | -15.1771% | 5,219 |
| Net charge-offs to loans | 2.3542% | 44 |
| Credit loss provision to net charge-offs | 105.2448% | 1,897 |
| Earnings coverage of net charge-offs (x) | 0.0350% | 3,105 |
| Efficiency ratio | 98.7923% | 167 |
| Assets per employee ($millions) | 2.6061% | 5,090 |
| Cash dividends to net income (ytd only)* | -10.6557% | 5,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 1,202 |
| Loan loss allowance to noncurrent loans | 50.0673% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.0364% | 449 |
| Noncurrent loans to loans | 3.0427% | 331 |
| Net loans and leases to total assets | 65.9075% | 3,121 |
| Net loans and leases to deposits | 72.9758% | 3,603 |
| Net loans and leases to core deposits | 74.3293% | 3,873 |
| Total domestic deposits to total assets | 90.3141% | 236 |
| Equity capital to assets | 9.5187% | 4,387 |
| Core capital (leverage) ratio | 8.9797% | 4,640 |
| Tier 1 risk-based capital ratio | 12.9731% | 3,850 |
| Total risk-based capital ratio | 14.2279% | 3,759 |
| Memoranda: | ||
| Average total assets | $36,169,000 | 5,066 |
| Average earning assets | $32,914,000 | 5,063 |
| Average equity | $3,558,000 | 5,144 |
| Average total loans | $24,296,670 | 4,878 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1409% | 1,023 |
| Cost of funding earning assets | 0.5117% | 4,009 |
| Net interest margin | 4.6293% | 572 |
| Noninterest income to average assets | 0.3438% | 3,563 |
| Noninterest expense to average assets | 4.5584% | 276 |
| Loan and lease loss provision to assets | 2.1184% | 37 |
| Net operating income to assets | -2.9835% | 5,331 |
| Return on assets (ROA) | -1.8189% | 5,313 |
| Pretax return on assets | -0.9538% | 5,277 |
| Return on Equity (ROE) | -17.9456% | 5,330 |
| Retained earnings to average equity (ytd only) | -19.4775% | 5,250 |
| Net charge-offs to loans | 4.7203% | 22 |
| Credit loss provision to net charge-offs | 66.7832% | 1,873 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,679 |
| Efficiency ratio | 100.0000% | 174 |
| Assets per employee ($millions) | 2.2450% | 5,234 |
| Cash dividends to net income (ytd only)* | -8.5366% | 5,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 3,157 |
| Loan loss allowance to noncurrent loans | 44.8630% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.6258% | 695 |
| Noncurrent loans to loans | 2.4415% | 545 |
| Net loans and leases to total assets | 65.8630% | 3,075 |
| Net loans and leases to deposits | 73.2990% | 3,507 |
| Net loans and leases to core deposits | 78.9231% | 3,455 |
| Total domestic deposits to total assets | 89.8552% | 508 |
| Equity capital to assets | 9.9304% | 3,890 |
| Core capital (leverage) ratio | 9.1983% | 4,474 |
| Tier 1 risk-based capital ratio | 13.6943% | 3,498 |
| Total risk-based capital ratio | 14.7536% | 3,512 |
| Memoranda: | ||
| Average total assets | $36,065,500 | 5,120 |
| Average earning assets | $32,834,500 | 5,117 |
| Average equity | $3,655,500 | 5,186 |
| Average total loans | $24,235,500 | 4,932 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0166% | 1,014 |
| Cost of funding earning assets | 0.4080% | 3,938 |
| Net interest margin | 4.6086% | 594 |
| Noninterest income to average assets | 0.3594% | 3,688 |
| Noninterest expense to average assets | 4.3233% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0510% | 5,210 |
| Return on assets (ROA) | 0.0510% | 5,204 |
| Pretax return on assets | 0.2467% | 5,088 |
| Return on Equity (ROE) | 0.5062% | 5,198 |
| Retained earnings to average equity (ytd only) | -1.8916% | 5,125 |
| Net charge-offs to loans | -0.0991% | 5,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6009% | 230 |
| Assets per employee ($millions) | 2.2632% | 5,271 |
| Cash dividends to net income (ytd only)* | 473.6842% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 1,434 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 4,615 |
| Noncurrent loans to loans | 0.0692% | 4,441 |
| Net loans and leases to total assets | 66.8140% | 3,027 |
| Net loans and leases to deposits | 74.6867% | 3,445 |
| Net loans and leases to core deposits | 78.8232% | 3,515 |
| Total domestic deposits to total assets | 89.4590% | 677 |
| Equity capital to assets | 10.3394% | 3,335 |
| Core capital (leverage) ratio | 9.2320% | 4,421 |
| Tier 1 risk-based capital ratio | 13.6286% | 3,473 |
| Total risk-based capital ratio | 14.8813% | 3,389 |
| Memoranda: | ||
| Average total assets | $37,286,200 | 5,139 |
| Average earning assets | $34,067,000 | 5,131 |
| Average equity | $3,753,400 | 5,207 |
| Average total loans | $24,224,200 | 4,963 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9541% | 1,034 |
| Cost of funding earning assets | 0.3966% | 3,884 |
| Net interest margin | 4.5575% | 653 |
| Noninterest income to average assets | 0.3799% | 3,599 |
| Noninterest expense to average assets | 4.3171% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0426% | 5,279 |
| Return on assets (ROA) | 0.0426% | 5,276 |
| Pretax return on assets | 0.2237% | 5,192 |
| Return on Equity (ROE) | 0.4260% | 5,274 |
| Retained earnings to average equity (ytd only) | -2.7691% | 5,242 |
| Net charge-offs to loans | -0.1325% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0743% | 219 |
| Assets per employee ($millions) | 2.2899% | 5,339 |
| Cash dividends to net income (ytd only)* | 750.0000% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 1,431 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 4,742 |
| Noncurrent loans to loans | 0.0703% | 4,563 |
| Net loans and leases to total assets | 65.0373% | 3,299 |
| Net loans and leases to deposits | 72.9854% | 3,680 |
| Net loans and leases to core deposits | 75.8910% | 3,813 |
| Total domestic deposits to total assets | 89.1100% | 812 |
| Equity capital to assets | 10.2022% | 3,451 |
| Core capital (leverage) ratio | 9.1547% | 4,561 |
| Tier 1 risk-based capital ratio | 13.9889% | 3,378 |
| Total risk-based capital ratio | 15.2405% | 3,283 |
| Memoranda: | ||
| Average total assets | $37,555,000 | 5,199 |
| Average earning assets | $34,287,250 | 5,190 |
| Average equity | $3,755,750 | 5,272 |
| Average total loans | $24,142,500 | 5,024 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8813% | 1,060 |
| Cost of funding earning assets | 0.3710% | 3,932 |
| Net interest margin | 4.5103% | 686 |
| Noninterest income to average assets | 0.3803% | 3,620 |
| Noninterest expense to average assets | 4.3476% | 343 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0264% | 5,353 |
| Return on assets (ROA) | -0.0264% | 5,347 |
| Pretax return on assets | 0.1426% | 5,278 |
| Return on Equity (ROE) | -0.2658% | 5,349 |
| Retained earnings to average equity (ytd only) | -5.0509% | 5,295 |
| Net charge-offs to loans | -0.2072% | 5,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8235% | 210 |
| Assets per employee ($millions) | 2.2128% | 5,414 |
| Cash dividends to net income (ytd only)* | -1,800.0000% | 5,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 1,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 61.6194% | 3,648 |
| Net loans and leases to deposits | 68.5292% | 3,983 |
| Net loans and leases to core deposits | 69.5574% | 4,171 |
| Total domestic deposits to total assets | 89.9171% | 598 |
| Equity capital to assets | 9.8915% | 3,728 |
| Core capital (leverage) ratio | 9.0649% | 4,628 |
| Tier 1 risk-based capital ratio | 13.9019% | 3,402 |
| Total risk-based capital ratio | 15.1549% | 3,321 |
| Memoranda: | ||
| Average total assets | $37,860,330 | 5,255 |
| Average earning assets | $34,499,000 | 5,246 |
| Average equity | $3,761,670 | 5,334 |
| Average total loans | $24,128,000 | 5,084 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 799 |
| Cost of funding earning assets | 0.3685% | 3,844 |
| Net interest margin | 4.5712% | 533 |
| Noninterest income to average assets | 0.3159% | 4,041 |
| Noninterest expense to average assets | 4.1705% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2528% | 5,175 |
| Return on assets (ROA) | 0.2528% | 5,175 |
| Pretax return on assets | 0.3265% | 5,136 |
| Return on Equity (ROE) | 2.5383% | 5,101 |
| Retained earnings to average equity (ytd only) | -6.9804% | 5,284 |
| Net charge-offs to loans | -0.2457% | 5,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7400% | 342 |
| Assets per employee ($millions) | 2.2049% | 5,472 |
| Cash dividends to net income (ytd only)* | 375.0000% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 1,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 63.7009% | 3,347 |
| Net loans and leases to deposits | 70.9675% | 3,705 |
| Net loans and leases to core deposits | 74.5108% | 3,780 |
| Total domestic deposits to total assets | 89.7607% | 755 |
| Equity capital to assets | 10.0019% | 3,590 |
| Core capital (leverage) ratio | 9.0369% | 4,643 |
| Tier 1 risk-based capital ratio | 13.5669% | 3,621 |
| Total risk-based capital ratio | 14.8188% | 3,528 |
| Memoranda: | ||
| Average total assets | $37,981,500 | 5,308 |
| Average earning assets | $34,739,500 | 5,300 |
| Average equity | $3,782,000 | 5,389 |
| Average total loans | $24,423,000 | 5,131 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5990% | 1,433 |
| Cost of funding earning assets | 0.1979% | 4,964 |
| Net interest margin | 4.4011% | 764 |
| Noninterest income to average assets | 0.5866% | 2,513 |
| Noninterest expense to average assets | 4.1195% | 460 |
| Loan and lease loss provision to assets | 0.0161% | 3,970 |
| Net operating income to assets | 0.2422% | 5,029 |
| Return on assets (ROA) | 0.2422% | 5,044 |
| Pretax return on assets | 0.4601% | 4,995 |
| Return on Equity (ROE) | 2.3680% | 4,982 |
| Retained earnings to average equity (ytd only) | 2.3680% | 3,907 |
| Net charge-offs to loans | -0.1727% | 5,494 |
| Credit loss provision to net charge-offs | -14.6341% | 4,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6370% | 448 |
| Assets per employee ($millions) | 2.2635% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 1,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 63.1185% | 3,473 |
| Net loans and leases to deposits | 74.6083% | 3,461 |
| Net loans and leases to core deposits | 78.4648% | 3,551 |
| Total domestic deposits to total assets | 84.5998% | 2,992 |
| Equity capital to assets | 9.9142% | 3,799 |
| Core capital (leverage) ratio | 9.6840% | 3,832 |
| Tier 1 risk-based capital ratio | 14.5250% | 3,077 |
| Total risk-based capital ratio | 15.7793% | 2,995 |
| Memoranda: | ||
| Average total assets | $37,165,000 | 5,375 |
| Average earning assets | $33,855,000 | 5,367 |
| Average equity | $3,800,600 | 5,449 |
| Average total loans | $23,736,000 | 5,204 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6294% | 1,290 |
| Cost of funding earning assets | 0.1869% | 5,080 |
| Net interest margin | 4.4425% | 675 |
| Noninterest income to average assets | 0.6877% | 2,049 |
| Noninterest expense to average assets | 3.9779% | 535 |
| Loan and lease loss provision to assets | 0.0181% | 3,785 |
| Net operating income to assets | 0.6660% | 4,134 |
| Return on assets (ROA) | 0.6660% | 4,190 |
| Pretax return on assets | 0.7348% | 4,523 |
| Return on Equity (ROE) | 6.4612% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.4612% | 1,981 |
| Net charge-offs to loans | 0.2155% | 1,005 |
| Credit loss provision to net charge-offs | 13.1579% | 3,201 |
| Earnings coverage of net charge-offs (x) | 5.4733% | 3,101 |
| Efficiency ratio | 84.0857% | 744 |
| Assets per employee ($millions) | 2.3639% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 3,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 63.6894% | 3,451 |
| Net loans and leases to deposits | 71.6943% | 3,804 |
| Net loans and leases to core deposits | 75.0291% | 3,887 |
| Total domestic deposits to total assets | 88.8347% | 957 |
| Equity capital to assets | 11.0271% | 2,839 |
| Core capital (leverage) ratio | 9.9189% | 3,674 |
| Tier 1 risk-based capital ratio | 15.1393% | 2,865 |
| Total risk-based capital ratio | 16.2386% | 2,850 |
| Memoranda: | ||
| Average total assets | $36,836,250 | 5,441 |
| Average earning assets | $33,524,250 | 5,432 |
| Average equity | $3,797,000 | 5,509 |
| Average total loans | $23,514,750 | 5,261 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 1,614 |
| Cost of funding earning assets | 0.1653% | 5,238 |
| Net interest margin | 4.2987% | 867 |
| Noninterest income to average assets | 0.3110% | 4,312 |
| Noninterest expense to average assets | 3.7431% | 726 |
| Loan and lease loss provision to assets | 0.0161% | 3,635 |
| Net operating income to assets | 0.3432% | 5,120 |
| Return on assets (ROA) | 0.3432% | 5,140 |
| Pretax return on assets | 0.4558% | 5,076 |
| Return on Equity (ROE) | 3.4049% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.4049% | 3,687 |
| Net charge-offs to loans | 0.3622% | 562 |
| Credit loss provision to net charge-offs | 6.9767% | 2,871 |
| Earnings coverage of net charge-offs (x) | 2.0465% | 3,214 |
| Efficiency ratio | 88.8041% | 515 |
| Assets per employee ($millions) | 2.7138% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 3,885 |
| Loan loss allowance to noncurrent loans | 878.5714% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 4,880 |
| Noncurrent loans to loans | 0.1188% | 4,644 |
| Net loans and leases to total assets | 66.1026% | 3,087 |
| Net loans and leases to deposits | 74.1196% | 3,534 |
| Net loans and leases to core deposits | 74.1196% | 3,931 |
| Total domestic deposits to total assets | 89.1837% | 868 |
| Equity capital to assets | 10.7426% | 3,088 |
| Core capital (leverage) ratio | 9.1749% | 4,521 |
| Tier 1 risk-based capital ratio | 14.1506% | 3,341 |
| Total risk-based capital ratio | 15.1848% | 3,381 |
| Memoranda: | ||
| Average total assets | $37,295,670 | 5,479 |
| Average earning assets | $33,870,330 | 5,474 |
| Average equity | $3,759,330 | 5,556 |
| Average total loans | $23,741,000 | 5,292 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,120 |
| Cost of funding earning assets | 0.1601% | 5,298 |
| Net interest margin | 4.0834% | 1,259 |
| Noninterest income to average assets | 0.3133% | 4,311 |
| Noninterest expense to average assets | 3.4984% | 1,046 |
| Loan and lease loss provision to assets | 0.0313% | 3,154 |
| Net operating income to assets | 0.4177% | 4,902 |
| Return on assets (ROA) | 0.4177% | 4,924 |
| Pretax return on assets | 0.5117% | 4,941 |
| Return on Equity (ROE) | 4.2735% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.2735% | 3,302 |
| Net charge-offs to loans | 1.7794% | 86 |
| Credit loss provision to net charge-offs | 2.8302% | 2,265 |
| Earnings coverage of net charge-offs (x) | 0.4906% | 2,814 |
| Efficiency ratio | 86.5633% | 755 |
| Assets per employee ($millions) | 2.9495% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7983% | 5,068 |
| Loan loss allowance to noncurrent loans | 290.4762% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 4,592 |
| Noncurrent loans to loans | 0.2748% | 4,124 |
| Net loans and leases to total assets | 59.3105% | 3,856 |
| Net loans and leases to deposits | 65.8806% | 4,181 |
| Net loans and leases to core deposits | 65.8806% | 4,432 |
| Total domestic deposits to total assets | 90.0271% | 651 |
| Equity capital to assets | 9.8190% | 3,956 |
| Core capital (leverage) ratio | 8.6663% | 5,082 |
| Tier 1 risk-based capital ratio | 14.1406% | 3,388 |
| Total risk-based capital ratio | 14.9184% | 3,584 |
| Memoranda: | ||
| Average total assets | $38,303,500 | 5,519 |
| Average earning assets | $34,971,000 | 5,519 |
| Average equity | $3,744,000 | 5,617 |
| Average total loans | $23,828,000 | 5,339 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 2,536 |
| Cost of funding earning assets | 0.1803% | 5,212 |
| Net interest margin | 4.0046% | 1,621 |
| Noninterest income to average assets | 0.4430% | 3,593 |
| Noninterest expense to average assets | 3.5579% | 1,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4731% | 4,733 |
| Return on assets (ROA) | 0.4731% | 4,811 |
| Pretax return on assets | 0.5907% | 4,813 |
| Return on Equity (ROE) | 4.7278% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.7278% | 2,528 |
| Net charge-offs to loans | 0.1485% | 1,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.5455% | 3,157 |
| Efficiency ratio | 85.7614% | 843 |
| Assets per employee ($millions) | 2.9433% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 3,365 |
| Loan loss allowance to noncurrent loans | 136.6667% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 3,093 |
| Noncurrent loans to loans | 0.8491% | 2,407 |
| Net loans and leases to total assets | 63.8842% | 3,373 |
| Net loans and leases to deposits | 70.8645% | 3,821 |
| Net loans and leases to core deposits | 70.8645% | 4,163 |
| Total domestic deposits to total assets | 90.1498% | 582 |
| Equity capital to assets | 9.7300% | 4,024 |
| Core capital (leverage) ratio | 8.9178% | 4,834 |
| Tier 1 risk-based capital ratio | 13.0867% | 4,007 |
| Total risk-based capital ratio | 14.2321% | 3,995 |
| Memoranda: | ||
| Average total assets | $36,566,800 | 5,607 |
| Average earning assets | $33,836,200 | 5,590 |
| Average equity | $3,659,200 | 5,682 |
| Average total loans | $22,217,200 | 5,438 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 2,547 |
| Cost of funding earning assets | 0.1865% | 5,209 |
| Net interest margin | 4.0037% | 1,637 |
| Noninterest income to average assets | 0.5128% | 3,164 |
| Noninterest expense to average assets | 3.4861% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6197% | 4,215 |
| Return on assets (ROA) | 0.6197% | 4,336 |
| Pretax return on assets | 0.7489% | 4,476 |
| Return on Equity (ROE) | 6.1481% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.1481% | 2,093 |
| Net charge-offs to loans | 0.2100% | 1,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.9709% | 3,052 |
| Efficiency ratio | 82.3171% | 1,158 |
| Assets per employee ($millions) | 2.7451% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,647 |
| Loan loss allowance to noncurrent loans | 34.8356% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 2.3006% | 623 |
| Noncurrent loans to loans | 3.7516% | 322 |
| Net loans and leases to total assets | 60.5223% | 3,812 |
| Net loans and leases to deposits | 67.7542% | 4,174 |
| Net loans and leases to core deposits | 67.7542% | 4,486 |
| Total domestic deposits to total assets | 89.3263% | 749 |
| Equity capital to assets | 10.4271% | 3,637 |
| Core capital (leverage) ratio | 9.2180% | 4,564 |
| Tier 1 risk-based capital ratio | 14.8315% | 3,135 |
| Total risk-based capital ratio | 16.0988% | 3,057 |
| Memoranda: | ||
| Average total assets | $36,142,750 | 5,670 |
| Average earning assets | $33,601,000 | 5,655 |
| Average equity | $3,643,250 | 5,746 |
| Average total loans | $21,588,750 | 5,514 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 3,008 |
| Cost of funding earning assets | 0.1891% | 5,244 |
| Net interest margin | 3.8755% | 2,060 |
| Noninterest income to average assets | 0.6172% | 2,524 |
| Noninterest expense to average assets | 3.3834% | 1,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6943% | 3,818 |
| Return on assets (ROA) | 0.6943% | 3,969 |
| Pretax return on assets | 0.8486% | 4,127 |
| Return on Equity (ROE) | 6.9665% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.9665% | 1,621 |
| Net charge-offs to loans | 0.1489% | 1,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.6250% | 2,401 |
| Efficiency ratio | 79.9479% | 1,499 |
| Assets per employee ($millions) | 2.7555% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 2,392 |
| Loan loss allowance to noncurrent loans | 127.7311% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6644% | 3,013 |
| Noncurrent loans to loans | 1.0792% | 2,132 |
| Net loans and leases to total assets | 60.7186% | 3,786 |
| Net loans and leases to deposits | 67.7591% | 4,200 |
| Net loans and leases to core deposits | 67.7591% | 4,494 |
| Total domestic deposits to total assets | 89.6094% | 632 |
| Equity capital to assets | 10.2705% | 3,897 |
| Core capital (leverage) ratio | 9.1051% | 4,710 |
| Tier 1 risk-based capital ratio | 14.7000% | 3,206 |
| Total risk-based capital ratio | 15.9669% | 3,146 |
| Memoranda: | ||
| Average total assets | $36,295,000 | 5,734 |
| Average earning assets | $33,853,330 | 5,714 |
| Average equity | $3,617,330 | 5,816 |
| Average total loans | $21,490,330 | 5,573 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 2,954 |
| Cost of funding earning assets | 0.1990% | 5,211 |
| Net interest margin | 3.8742% | 2,012 |
| Noninterest income to average assets | 0.7336% | 1,888 |
| Noninterest expense to average assets | 3.4381% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7774% | 3,366 |
| Return on assets (ROA) | 0.7774% | 3,468 |
| Pretax return on assets | 0.9197% | 3,765 |
| Return on Equity (ROE) | 7.9186% | 2,961 |
| Retained earnings to average equity (ytd only) | 7.9186% | 1,493 |
| Net charge-offs to loans | 0.4149% | 545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.8182% | 2,496 |
| Efficiency ratio | 78.8945% | 1,768 |
| Assets per employee ($millions) | 2.8342% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 2,311 |
| Loan loss allowance to noncurrent loans | 876.4706% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 5,214 |
| Noncurrent loans to loans | 0.1626% | 4,842 |
| Net loans and leases to total assets | 55.9576% | 4,261 |
| Net loans and leases to deposits | 63.2113% | 4,489 |
| Net loans and leases to core deposits | 63.2113% | 4,740 |
| Total domestic deposits to total assets | 88.5246% | 1,345 |
| Equity capital to assets | 9.8334% | 4,299 |
| Core capital (leverage) ratio | 8.6711% | 5,208 |
| Tier 1 risk-based capital ratio | 14.9655% | 3,178 |
| Total risk-based capital ratio | 16.2360% | 3,102 |
| Memoranda: | ||
| Average total assets | $36,532,000 | 5,786 |
| Average earning assets | $34,175,000 | 5,756 |
| Average equity | $3,586,500 | 5,873 |
| Average total loans | $21,208,500 | 5,637 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 3,091 |
| Cost of funding earning assets | 0.2226% | 5,071 |
| Net interest margin | 3.8331% | 2,263 |
| Noninterest income to average assets | 1.6262% | 489 |
| Noninterest expense to average assets | 3.4303% | 1,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9768% | 359 |
| Return on assets (ROA) | 1.9768% | 368 |
| Pretax return on assets | 1.8177% | 779 |
| Return on Equity (ROE) | 23.8204% | 119 |
| Retained earnings to average equity (ytd only) | 23.8204% | 44 |
| Net charge-offs to loans | 0.0218% | 3,828 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 134.8000% | 457 |
| Efficiency ratio | 65.3649% | 4,014 |
| Assets per employee ($millions) | 2.7862% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 2,062 |
| Loan loss allowance to noncurrent loans | 561.4035% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 4,969 |
| Noncurrent loans to loans | 0.2651% | 4,497 |
| Net loans and leases to total assets | 58.4815% | 4,020 |
| Net loans and leases to deposits | 66.0967% | 4,310 |
| Net loans and leases to core deposits | 66.0967% | 4,584 |
| Total domestic deposits to total assets | 88.4787% | 1,391 |
| Equity capital to assets | 9.8012% | 4,185 |
| Core capital (leverage) ratio | 8.4243% | 5,496 |
| Tier 1 risk-based capital ratio | 14.2363% | 3,590 |
| Total risk-based capital ratio | 15.5045% | 3,488 |
| Memoranda: | ||
| Average total assets | $37,080,800 | 5,823 |
| Average earning assets | $35,037,000 | 5,784 |
| Average equity | $3,077,200 | 5,994 |
| Average total loans | $22,888,600 | 5,622 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 3,247 |
| Cost of funding earning assets | 0.2298% | 5,093 |
| Net interest margin | 3.7930% | 2,412 |
| Noninterest income to average assets | 0.4612% | 3,624 |
| Noninterest expense to average assets | 3.2961% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9688% | 2,627 |
| Return on assets (ROA) | 0.9688% | 2,711 |
| Pretax return on assets | 0.7650% | 4,446 |
| Return on Equity (ROE) | 12.2109% | 1,316 |
| Retained earnings to average equity (ytd only) | 12.2109% | 344 |
| Net charge-offs to loans | 0.0287% | 3,369 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 42.7781% | 1,174 |
| Efficiency ratio | 81.1620% | 1,504 |
| Assets per employee ($millions) | 2.6149% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 1,838 |
| Loan loss allowance to noncurrent loans | 524.5902% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 5,088 |
| Noncurrent loans to loans | 0.3023% | 4,518 |
| Net loans and leases to total assets | 54.2490% | 4,544 |
| Net loans and leases to deposits | 60.4290% | 4,826 |
| Net loans and leases to core deposits | 60.4290% | 5,035 |
| Total domestic deposits to total assets | 89.7730% | 669 |
| Equity capital to assets | 8.4378% | 5,741 |
| Core capital (leverage) ratio | 7.0681% | 6,119 |
| Tier 1 risk-based capital ratio | 12.8095% | 4,543 |
| Total risk-based capital ratio | 14.0817% | 4,445 |
| Memoranda: | ||
| Average total assets | $37,296,000 | 5,896 |
| Average earning assets | $35,398,000 | 5,854 |
| Average equity | $2,959,000 | 6,090 |
| Average total loans | $23,235,250 | 5,686 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 3,069 |
| Cost of funding earning assets | 0.2300% | 5,146 |
| Net interest margin | 3.8204% | 2,240 |
| Noninterest income to average assets | 0.5117% | 3,294 |
| Noninterest expense to average assets | 3.3098% | 1,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2632% | 1,415 |
| Return on assets (ROA) | 1.2632% | 1,471 |
| Pretax return on assets | 0.8314% | 4,202 |
| Return on Equity (ROE) | 16.2570% | 583 |
| Retained earnings to average equity (ytd only) | 16.2570% | 148 |
| Net charge-offs to loans | 0.0165% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 718 |
| Efficiency ratio | 79.9228% | 1,775 |
| Assets per employee ($millions) | 2.6187% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 2,553 |
| Loan loss allowance to noncurrent loans | 425.0000% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 5,040 |
| Noncurrent loans to loans | 0.3393% | 4,472 |
| Net loans and leases to total assets | 60.2231% | 3,796 |
| Net loans and leases to deposits | 66.9466% | 4,229 |
| Net loans and leases to core deposits | 67.5467% | 4,528 |
| Total domestic deposits to total assets | 89.9569% | 679 |
| Equity capital to assets | 8.3302% | 5,809 |
| Core capital (leverage) ratio | 7.0537% | 6,179 |
| Tier 1 risk-based capital ratio | 11.5524% | 5,429 |
| Total risk-based capital ratio | 12.8041% | 5,348 |
| Memoranda: | ||
| Average total assets | $37,525,000 | 5,955 |
| Average earning assets | $35,651,000 | 5,914 |
| Average equity | $2,915,670 | 6,158 |
| Average total loans | $24,253,670 | 5,701 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 3,290 |
| Cost of funding earning assets | 0.2212% | 5,310 |
| Net interest margin | 3.7611% | 2,386 |
| Noninterest income to average assets | 0.4005% | 4,001 |
| Noninterest expense to average assets | 3.3407% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6428% | 4,073 |
| Return on assets (ROA) | 0.6428% | 4,193 |
| Pretax return on assets | 0.6428% | 4,788 |
| Return on Equity (ROE) | 8.5719% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.5719% | 1,349 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8624% | 1,397 |
| Assets per employee ($millions) | 2.7752% | 5,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 3,537 |
| Loan loss allowance to noncurrent loans | 1,805.5556% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 5,753 |
| Noncurrent loans to loans | 0.0707% | 5,489 |
| Net loans and leases to total assets | 64.6848% | 2,990 |
| Net loans and leases to deposits | 71.1370% | 3,628 |
| Net loans and leases to core deposits | 71.7319% | 3,995 |
| Total domestic deposits to total assets | 90.9299% | 394 |
| Equity capital to assets | 7.4100% | 6,200 |
| Core capital (leverage) ratio | 7.0905% | 6,227 |
| Tier 1 risk-based capital ratio | 10.9042% | 5,848 |
| Total risk-based capital ratio | 12.1522% | 5,779 |
| Memoranda: | ||
| Average total assets | $37,956,500 | 6,004 |
| Average earning assets | $36,160,000 | 5,961 |
| Average equity | $2,846,500 | 6,227 |
| Average total loans | $25,179,500 | 5,707 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 3,429 |
| Cost of funding earning assets | 0.2705% | 5,095 |
| Net interest margin | 3.8019% | 2,617 |
| Noninterest income to average assets | 0.4505% | 3,825 |
| Noninterest expense to average assets | 3.5715% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4532% | 5,006 |
| Return on assets (ROA) | 0.4532% | 5,098 |
| Pretax return on assets | 0.4802% | 5,301 |
| Return on Equity (ROE) | 6.1847% | 4,064 |
| Retained earnings to average equity (ytd only) | 6.1847% | 1,818 |
| Net charge-offs to loans | 1.1518% | 240 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.6246% | 4,605 |
| Efficiency ratio | 88.1491% | 983 |
| Assets per employee ($millions) | 2.6471% | 6,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 3,395 |
| Loan loss allowance to noncurrent loans | 411.3924% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 5,174 |
| Noncurrent loans to loans | 0.3172% | 4,705 |
| Net loans and leases to total assets | 66.3168% | 2,831 |
| Net loans and leases to deposits | 73.2134% | 3,525 |
| Net loans and leases to core deposits | 73.8580% | 3,930 |
| Total domestic deposits to total assets | 90.5801% | 506 |
| Equity capital to assets | 7.5931% | 6,207 |
| Core capital (leverage) ratio | 6.8798% | 6,332 |
| Tier 1 risk-based capital ratio | 10.5699% | 6,071 |
| Total risk-based capital ratio | 11.8214% | 6,017 |
| Memoranda: | ||
| Average total assets | $37,071,600 | 6,101 |
| Average earning assets | $35,113,800 | 6,059 |
| Average equity | $2,716,400 | 6,320 |
| Average total loans | $24,744,600 | 5,789 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 3,457 |
| Cost of funding earning assets | 0.2773% | 5,127 |
| Net interest margin | 3.8027% | 2,612 |
| Noninterest income to average assets | 0.4603% | 3,817 |
| Noninterest expense to average assets | 3.5999% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4352% | 5,128 |
| Return on assets (ROA) | 0.4352% | 5,203 |
| Pretax return on assets | 0.4603% | 5,432 |
| Return on Equity (ROE) | 5.9929% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.9929% | 2,413 |
| Net charge-offs to loans | 0.6422% | 559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.0756% | 4,246 |
| Efficiency ratio | 88.6625% | 943 |
| Assets per employee ($millions) | 2.7073% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0170% | 1,225 |
| Loan loss allowance to noncurrent loans | 150.6135% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 3,265 |
| Noncurrent loans to loans | 1.3392% | 2,406 |
| Net loans and leases to total assets | 62.9307% | 3,356 |
| Net loans and leases to deposits | 69.2567% | 3,999 |
| Net loans and leases to core deposits | 69.8489% | 4,336 |
| Total domestic deposits to total assets | 90.8659% | 400 |
| Equity capital to assets | 7.2951% | 6,341 |
| Core capital (leverage) ratio | 6.7603% | 6,409 |
| Tier 1 risk-based capital ratio | 10.6952% | 6,132 |
| Total risk-based capital ratio | 11.9557% | 6,080 |
| Memoranda: | ||
| Average total assets | $37,074,500 | 6,176 |
| Average earning assets | $35,097,000 | 6,133 |
| Average equity | $2,692,000 | 6,391 |
| Average total loans | $24,705,250 | 5,855 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0783% | 3,435 |
| Cost of funding earning assets | 0.2880% | 5,098 |
| Net interest margin | 3.7903% | 2,601 |
| Noninterest income to average assets | 0.4728% | 3,688 |
| Noninterest expense to average assets | 3.6034% | 1,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4239% | 5,122 |
| Return on assets (ROA) | 0.4239% | 5,204 |
| Pretax return on assets | 0.4457% | 5,435 |
| Return on Equity (ROE) | 5.8478% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.8478% | 2,416 |
| Net charge-offs to loans | 0.9506% | 378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.6949% | 3,996 |
| Efficiency ratio | 88.9933% | 992 |
| Assets per employee ($millions) | 2.6406% | 6,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8504% | 1,701 |
| Loan loss allowance to noncurrent loans | 147.3054% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 1.5933% | 2,059 |
| Noncurrent loans to loans | 1.2562% | 2,710 |
| Net loans and leases to total assets | 70.5935% | 1,985 |
| Net loans and leases to deposits | 77.7136% | 2,836 |
| Net loans and leases to core deposits | 78.3953% | 3,391 |
| Total domestic deposits to total assets | 90.8380% | 462 |
| Equity capital to assets | 7.3658% | 6,379 |
| Core capital (leverage) ratio | 6.8172% | 6,456 |
| Tier 1 risk-based capital ratio | 9.7790% | 6,456 |
| Total risk-based capital ratio | 11.0385% | 6,428 |
| Memoranda: | ||
| Average total assets | $36,798,670 | 6,241 |
| Average earning assets | $34,720,330 | 6,203 |
| Average equity | $2,667,670 | 6,451 |
| Average total loans | $24,826,000 | 5,893 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 3,764 |
| Cost of funding earning assets | 0.2885% | 5,190 |
| Net interest margin | 3.6929% | 2,888 |
| Noninterest income to average assets | 0.4685% | 3,643 |
| Noninterest expense to average assets | 3.6825% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2506% | 5,660 |
| Return on assets (ROA) | 0.2506% | 5,703 |
| Pretax return on assets | 0.2724% | 5,778 |
| Return on Equity (ROE) | 3.4848% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.4848% | 4,044 |
| Net charge-offs to loans | 0.5513% | 669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.7576% | 3,269 |
| Efficiency ratio | 93.1129% | 807 |
| Assets per employee ($millions) | 2.6999% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4278% | 880 |
| Loan loss allowance to noncurrent loans | 84.3567% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 2.4842% | 1,291 |
| Noncurrent loans to loans | 2.8781% | 1,136 |
| Net loans and leases to total assets | 61.3482% | 3,340 |
| Net loans and leases to deposits | 67.3062% | 3,935 |
| Net loans and leases to core deposits | 67.8815% | 4,328 |
| Total domestic deposits to total assets | 91.1479% | 509 |
| Equity capital to assets | 7.0584% | 6,434 |
| Core capital (leverage) ratio | 6.4232% | 6,545 |
| Tier 1 risk-based capital ratio | 10.2431% | 6,411 |
| Total risk-based capital ratio | 11.5100% | 6,361 |
| Memoranda: | ||
| Average total assets | $36,714,000 | 6,308 |
| Average earning assets | $34,661,000 | 6,267 |
| Average equity | $2,640,000 | 6,514 |
| Average total loans | $23,944,500 | 5,986 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3068% | 2,935 |
| Cost of funding earning assets | 0.3478% | 5,163 |
| Net interest margin | 3.9591% | 2,075 |
| Noninterest income to average assets | 0.5855% | 3,177 |
| Noninterest expense to average assets | 3.8084% | 1,122 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4307% | 5,037 |
| Return on assets (ROA) | 0.4307% | 5,154 |
| Pretax return on assets | 0.5264% | 5,116 |
| Return on Equity (ROE) | 6.0203% | 4,069 |
| Retained earnings to average equity (ytd only) | 6.0203% | 1,953 |
| Net charge-offs to loans | -0.0914% | 6,457 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8571% | 1,233 |
| Assets per employee ($millions) | 2.5449% | 6,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5287% | 801 |
| Loan loss allowance to noncurrent loans | 160.1050% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.8777% | 1,942 |
| Noncurrent loans to loans | 1.5794% | 2,528 |
| Net loans and leases to total assets | 65.9940% | 2,691 |
| Net loans and leases to deposits | 72.7574% | 3,423 |
| Net loans and leases to core deposits | 73.4208% | 3,904 |
| Total domestic deposits to total assets | 90.7042% | 698 |
| Equity capital to assets | 7.3311% | 6,354 |
| Core capital (leverage) ratio | 6.2705% | 6,626 |
| Tier 1 risk-based capital ratio | 10.1623% | 6,467 |
| Total risk-based capital ratio | 11.4287% | 6,421 |
| Memoranda: | ||
| Average total assets | $35,526,400 | 6,404 |
| Average earning assets | $33,644,400 | 6,356 |
| Average equity | $2,541,400 | 6,621 |
| Average total loans | $25,150,600 | 5,977 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3142% | 2,930 |
| Cost of funding earning assets | 0.3526% | 5,271 |
| Net interest margin | 3.9616% | 2,069 |
| Noninterest income to average assets | 0.6235% | 3,020 |
| Noninterest expense to average assets | 3.8346% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5446% | 4,605 |
| Return on assets (ROA) | 0.5446% | 4,745 |
| Pretax return on assets | 0.5446% | 5,219 |
| Return on Equity (ROE) | 7.6604% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.6604% | 1,564 |
| Net charge-offs to loans | 0.0787% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.6665% | 2,452 |
| Efficiency ratio | 87.5643% | 1,207 |
| Assets per employee ($millions) | 2.4362% | 6,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2580% | 1,239 |
| Loan loss allowance to noncurrent loans | 85.3731% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.8335% | 2,220 |
| Noncurrent loans to loans | 2.6449% | 1,599 |
| Net loans and leases to total assets | 67.7558% | 2,329 |
| Net loans and leases to deposits | 74.5940% | 3,142 |
| Net loans and leases to core deposits | 74.5940% | 3,774 |
| Total domestic deposits to total assets | 90.8327% | 599 |
| Equity capital to assets | 7.1313% | 6,511 |
| Core capital (leverage) ratio | 6.4107% | 6,678 |
| Tier 1 risk-based capital ratio | 9.8571% | 6,626 |
| Total risk-based capital ratio | 11.1235% | 6,590 |
| Memoranda: | ||
| Average total assets | $35,500,750 | 6,472 |
| Average earning assets | $33,655,750 | 6,430 |
| Average equity | $2,523,750 | 6,701 |
| Average total loans | $25,407,500 | 6,017 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 3,008 |
| Cost of funding earning assets | 0.3602% | 5,313 |
| Net interest margin | 3.9266% | 2,125 |
| Noninterest income to average assets | 0.6827% | 2,727 |
| Noninterest expense to average assets | 3.8119% | 1,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5917% | 4,332 |
| Return on assets (ROA) | 0.5917% | 4,517 |
| Pretax return on assets | 0.5917% | 5,045 |
| Return on Equity (ROE) | 8.3322% | 2,926 |
| Retained earnings to average equity (ytd only) | 8.3322% | 1,353 |
| Net charge-offs to loans | 0.1180% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.9333% | 2,624 |
| Efficiency ratio | 86.5633% | 1,360 |
| Assets per employee ($millions) | 2.5334% | 6,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1627% | 1,502 |
| Loan loss allowance to noncurrent loans | 87.5957% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.8411% | 2,353 |
| Noncurrent loans to loans | 2.4690% | 1,886 |
| Net loans and leases to total assets | 72.9559% | 1,411 |
| Net loans and leases to deposits | 80.3553% | 2,279 |
| Net loans and leases to core deposits | 80.3553% | 2,985 |
| Total domestic deposits to total assets | 90.7917% | 628 |
| Equity capital to assets | 7.2319% | 6,536 |
| Core capital (leverage) ratio | 6.3471% | 6,717 |
| Tier 1 risk-based capital ratio | 9.4984% | 6,720 |
| Total risk-based capital ratio | 10.7618% | 6,700 |
| Memoranda: | ||
| Average total assets | $35,153,330 | 6,529 |
| Average earning assets | $33,311,330 | 6,489 |
| Average equity | $2,496,330 | 6,753 |
| Average total loans | $25,432,670 | 6,048 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 3,707 |
| Cost of funding earning assets | 0.3621% | 5,434 |
| Net interest margin | 3.7421% | 2,690 |
| Noninterest income to average assets | 0.4686% | 3,999 |
| Noninterest expense to average assets | 4.1376% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1257% | 6,464 |
| Return on assets (ROA) | -0.1257% | 6,515 |
| Pretax return on assets | -0.1257% | 6,504 |
| Return on Equity (ROE) | -1.7872% | 6,549 |
| Retained earnings to average equity (ytd only) | -1.7872% | 6,056 |
| Net charge-offs to loans | 0.2407% | 2,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.7333% | 3,947 |
| Efficiency ratio | 103.1339% | 453 |
| Assets per employee ($millions) | 2.5883% | 6,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2686% | 1,459 |
| Loan loss allowance to noncurrent loans | 55.5340% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 2.8425% | 1,588 |
| Noncurrent loans to loans | 4.0850% | 1,089 |
| Net loans and leases to total assets | 68.0042% | 2,008 |
| Net loans and leases to deposits | 74.5552% | 2,844 |
| Net loans and leases to core deposits | 74.5552% | 3,510 |
| Total domestic deposits to total assets | 91.2132% | 438 |
| Equity capital to assets | 6.7778% | 6,753 |
| Core capital (leverage) ratio | 6.0884% | 6,794 |
| Tier 1 risk-based capital ratio | 9.4217% | 6,772 |
| Total risk-based capital ratio | 10.6869% | 6,762 |
| Memoranda: | ||
| Average total assets | $34,996,000 | 6,595 |
| Average earning assets | $33,136,500 | 6,551 |
| Average equity | $2,462,000 | 6,821 |
| Average total loans | $24,925,000 | 6,125 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 3,808 |
| Cost of funding earning assets | 0.4046% | 5,886 |
| Net interest margin | 3.9966% | 2,398 |
| Noninterest income to average assets | 0.8058% | 2,244 |
| Noninterest expense to average assets | 4.5349% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1181% | 5,972 |
| Return on assets (ROA) | 0.2757% | 5,767 |
| Pretax return on assets | 0.1394% | 6,086 |
| Return on Equity (ROE) | 3.7125% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.7125% | 3,603 |
| Net charge-offs to loans | 0.5172% | 2,176 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.0513% | 5,513 |
| Efficiency ratio | 100.4024% | 552 |
| Assets per employee ($millions) | 2.4111% | 6,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3827% | 1,259 |
| Loan loss allowance to noncurrent loans | 56.6056% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 3.1520% | 1,480 |
| Noncurrent loans to loans | 4.2093% | 1,073 |
| Net loans and leases to total assets | 71.2436% | 1,611 |
| Net loans and leases to deposits | 76.9150% | 2,671 |
| Net loans and leases to core deposits | 76.9150% | 3,419 |
| Total domestic deposits to total assets | 92.6265% | 162 |
| Equity capital to assets | 7.3113% | 6,692 |
| Core capital (leverage) ratio | 6.5814% | 6,780 |
| Tier 1 risk-based capital ratio | 9.7222% | 6,765 |
| Total risk-based capital ratio | 10.9870% | 6,740 |
| Memoranda: | ||
| Average total assets | $33,010,400 | 6,681 |
| Average earning assets | $30,651,000 | 6,649 |
| Average equity | $2,451,200 | 6,890 |
| Average total loans | $22,623,600 | 6,318 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4549% | 3,805 |
| Cost of funding earning assets | 0.4169% | 6,009 |
| Net interest margin | 4.0380% | 2,347 |
| Noninterest income to average assets | 0.9099% | 1,795 |
| Noninterest expense to average assets | 4.4032% | 601 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2437% | 5,797 |
| Return on assets (ROA) | 0.4549% | 5,260 |
| Pretax return on assets | 0.4549% | 5,584 |
| Return on Equity (ROE) | 6.1026% | 4,285 |
| Retained earnings to average equity (ytd only) | 6.1026% | 2,631 |
| Net charge-offs to loans | -0.0904% | 6,832 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7552% | 729 |
| Assets per employee ($millions) | 2.3536% | 6,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9938% | 717 |
| Loan loss allowance to noncurrent loans | 79.5354% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 4.0393% | 1,194 |
| Noncurrent loans to loans | 3.7642% | 1,411 |
| Net loans and leases to total assets | 70.7020% | 1,783 |
| Net loans and leases to deposits | 76.6626% | 2,887 |
| Net loans and leases to core deposits | 76.6626% | 3,654 |
| Total domestic deposits to total assets | 92.2248% | 182 |
| Equity capital to assets | 7.5536% | 6,765 |
| Core capital (leverage) ratio | 6.6271% | 6,864 |
| Tier 1 risk-based capital ratio | 9.7170% | 6,863 |
| Total risk-based capital ratio | 10.9929% | 6,848 |
| Memoranda: | ||
| Average total assets | $32,824,000 | 6,771 |
| Average earning assets | $30,377,750 | 6,738 |
| Average equity | $2,447,000 | 6,980 |
| Average total loans | $22,120,500 | 6,416 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4936% | 3,798 |
| Cost of funding earning assets | 0.4289% | 6,105 |
| Net interest margin | 4.0647% | 2,231 |
| Noninterest income to average assets | 0.9090% | 1,752 |
| Noninterest expense to average assets | 4.4781% | 563 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1891% | 5,948 |
| Return on assets (ROA) | 0.4942% | 5,094 |
| Pretax return on assets | 0.4942% | 5,450 |
| Return on Equity (ROE) | 6.6584% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.6584% | 2,297 |
| Net charge-offs to loans | -0.0745% | 6,785 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9477% | 705 |
| Assets per employee ($millions) | 2.3433% | 6,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2736% | 606 |
| Loan loss allowance to noncurrent loans | 54.8114% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 5.2643% | 877 |
| Noncurrent loans to loans | 5.9724% | 737 |
| Net loans and leases to total assets | 64.1285% | 3,009 |
| Net loans and leases to deposits | 69.4209% | 3,981 |
| Net loans and leases to core deposits | 69.4209% | 4,609 |
| Total domestic deposits to total assets | 92.3764% | 175 |
| Equity capital to assets | 7.5017% | 6,798 |
| Core capital (leverage) ratio | 6.5910% | 6,909 |
| Tier 1 risk-based capital ratio | 10.2045% | 6,772 |
| Total risk-based capital ratio | 11.4783% | 6,752 |
| Memoranda: | ||
| Average total assets | $32,781,670 | 6,820 |
| Average earning assets | $30,310,000 | 6,788 |
| Average equity | $2,433,000 | 7,026 |
| Average total loans | $21,488,670 | 6,490 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7554% | 2,828 |
| Cost of funding earning assets | 0.4371% | 6,223 |
| Net interest margin | 4.3182% | 1,412 |
| Noninterest income to average assets | 0.6958% | 2,681 |
| Noninterest expense to average assets | 4.5286% | 542 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1465% | 6,127 |
| Return on assets (ROA) | 0.1465% | 6,256 |
| Pretax return on assets | 0.1465% | 6,304 |
| Return on Equity (ROE) | 1.9843% | 6,083 |
| Retained earnings to average equity (ytd only) | 1.9843% | 5,276 |
| Net charge-offs to loans | -0.1124% | 6,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8668% | 682 |
| Assets per employee ($millions) | 2.4172% | 6,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3330% | 605 |
| Loan loss allowance to noncurrent loans | 121.3675% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 3.3894% | 1,699 |
| Noncurrent loans to loans | 2.7462% | 2,371 |
| Net loans and leases to total assets | 60.8493% | 3,477 |
| Net loans and leases to deposits | 65.6863% | 4,421 |
| Net loans and leases to core deposits | 65.6863% | 4,950 |
| Total domestic deposits to total assets | 92.6362% | 170 |
| Equity capital to assets | 7.1688% | 6,887 |
| Core capital (leverage) ratio | 6.3000% | 6,997 |
| Tier 1 risk-based capital ratio | 9.9755% | 6,886 |
| Total risk-based capital ratio | 11.2507% | 6,875 |
| Memoranda: | ||
| Average total assets | $32,769,500 | 6,872 |
| Average earning assets | $30,197,500 | 6,838 |
| Average equity | $2,419,000 | 7,083 |
| Average total loans | $21,358,000 | 6,539 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8444% | 3,607 |
| Cost of funding earning assets | 0.5201% | 6,453 |
| Net interest margin | 4.3243% | 1,624 |
| Noninterest income to average assets | 0.6033% | 3,145 |
| Noninterest expense to average assets | 4.7127% | 486 |
| Loan and lease loss provision to assets | 2.3623% | 200 |
| Net operating income to assets | -1.6449% | 6,947 |
| Return on assets (ROA) | -1.6449% | 6,962 |
| Pretax return on assets | -2.4284% | 7,109 |
| Return on Equity (ROE) | -19.0304% | 6,974 |
| Retained earnings to average equity (ytd only) | -19.0304% | 6,959 |
| Net charge-offs to loans | 3.5695% | 207 |
| Credit loss provision to net charge-offs | 91.7249% | 3,936 |
| Earnings coverage of net charge-offs (x) | -0.0256% | 5,844 |
| Efficiency ratio | 101.4212% | 635 |
| Assets per employee ($millions) | 2.2641% | 7,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2876% | 629 |
| Loan loss allowance to noncurrent loans | 115.2209% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 3.7132% | 1,580 |
| Noncurrent loans to loans | 2.8533% | 2,289 |
| Net loans and leases to total assets | 65.3354% | 2,913 |
| Net loans and leases to deposits | 70.8325% | 3,978 |
| Net loans and leases to core deposits | 70.8325% | 4,667 |
| Total domestic deposits to total assets | 92.2393% | 209 |
| Equity capital to assets | 7.6093% | 6,768 |
| Core capital (leverage) ratio | 6.1339% | 7,042 |
| Tier 1 risk-based capital ratio | 9.4731% | 6,965 |
| Total risk-based capital ratio | 10.7736% | 6,953 |
| Memoranda: | ||
| Average total assets | $33,314,400 | 6,884 |
| Average earning assets | $31,149,600 | 6,834 |
| Average equity | $2,879,600 | 7,035 |
| Average total loans | $24,037,200 | 6,464 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 3,679 |
| Cost of funding earning assets | 0.5300% | 6,576 |
| Net interest margin | 4.3405% | 1,583 |
| Noninterest income to average assets | 0.5852% | 3,263 |
| Noninterest expense to average assets | 4.4050% | 632 |
| Loan and lease loss provision to assets | 0.1700% | 4,345 |
| Net operating income to assets | 0.0910% | 5,986 |
| Return on assets (ROA) | 0.0910% | 6,101 |
| Pretax return on assets | 0.0910% | 6,115 |
| Return on Equity (ROE) | 1.0235% | 6,062 |
| Retained earnings to average equity (ytd only) | 1.0235% | 5,602 |
| Net charge-offs to loans | 1.1663% | 1,351 |
| Credit loss provision to net charge-offs | 19.9074% | 5,558 |
| Earnings coverage of net charge-offs (x) | 0.3056% | 5,377 |
| Efficiency ratio | 94.4068% | 897 |
| Assets per employee ($millions) | 2.4382% | 6,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5123% | 1,381 |
| Loan loss allowance to noncurrent loans | 37.3913% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 5.5999% | 989 |
| Noncurrent loans to loans | 6.7190% | 760 |
| Net loans and leases to total assets | 73.6978% | 1,372 |
| Net loans and leases to deposits | 81.6155% | 2,429 |
| Net loans and leases to core deposits | 81.6155% | 3,387 |
| Total domestic deposits to total assets | 90.2988% | 720 |
| Equity capital to assets | 9.4173% | 5,218 |
| Core capital (leverage) ratio | 8.7540% | 5,330 |
| Tier 1 risk-based capital ratio | 12.1458% | 5,783 |
| Total risk-based capital ratio | 13.4216% | 5,752 |
| Memoranda: | ||
| Average total assets | $33,718,500 | 6,933 |
| Average earning assets | $31,701,000 | 6,881 |
| Average equity | $2,996,500 | 7,071 |
| Average total loans | $24,693,000 | 6,497 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 3,658 |
| Cost of funding earning assets | 0.5511% | 6,658 |
| Net interest margin | 4.3410% | 1,536 |
| Noninterest income to average assets | 0.5524% | 3,462 |
| Noninterest expense to average assets | 3.9660% | 1,099 |
| Loan and lease loss provision to assets | 0.2501% | 3,405 |
| Net operating income to assets | 0.4129% | 4,884 |
| Return on assets (ROA) | 0.4129% | 5,040 |
| Pretax return on assets | 0.4129% | 5,356 |
| Return on Equity (ROE) | 4.7328% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.7328% | 3,172 |
| Net charge-offs to loans | 1.7324% | 821 |
| Credit loss provision to net charge-offs | 19.9074% | 5,135 |
| Earnings coverage of net charge-offs (x) | 0.5278% | 4,912 |
| Efficiency ratio | 85.6784% | 1,632 |
| Assets per employee ($millions) | 2.3111% | 7,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4709% | 1,491 |
| Loan loss allowance to noncurrent loans | 37.5312% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 5.7518% | 1,002 |
| Noncurrent loans to loans | 6.5835% | 835 |
| Net loans and leases to total assets | 73.4415% | 1,511 |
| Net loans and leases to deposits | 81.2515% | 2,566 |
| Net loans and leases to core deposits | 85.8020% | 2,937 |
| Total domestic deposits to total assets | 90.3879% | 765 |
| Equity capital to assets | 9.3618% | 5,053 |
| Core capital (leverage) ratio | 8.1686% | 6,075 |
| Tier 1 risk-based capital ratio | 12.1563% | 5,660 |
| Total risk-based capital ratio | 13.4327% | 5,612 |
| Memoranda: | ||
| Average total assets | $34,392,330 | 6,977 |
| Average earning assets | $32,296,670 | 6,926 |
| Average equity | $3,000,330 | 7,129 |
| Average total loans | $24,936,670 | 6,540 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9643% | 3,272 |
| Cost of funding earning assets | 0.5622% | 6,758 |
| Net interest margin | 4.4020% | 1,271 |
| Noninterest income to average assets | 0.5535% | 3,483 |
| Noninterest expense to average assets | 3.9084% | 1,163 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8020% | 3,023 |
| Return on assets (ROA) | 0.8020% | 3,091 |
| Pretax return on assets | 0.8020% | 3,896 |
| Return on Equity (ROE) | 9.5111% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.5111% | 1,236 |
| Net charge-offs to loans | -0.0317% | 6,724 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9736% | 2,082 |
| Assets per employee ($millions) | 2.3707% | 7,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0847% | 847 |
| Loan loss allowance to noncurrent loans | 86.3333% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 3.2537% | 2,109 |
| Noncurrent loans to loans | 3.5730% | 2,084 |
| Net loans and leases to total assets | 68.6502% | 2,416 |
| Net loans and leases to deposits | 76.4835% | 3,335 |
| Net loans and leases to core deposits | 86.4356% | 2,817 |
| Total domestic deposits to total assets | 89.7582% | 1,318 |
| Equity capital to assets | 8.4927% | 5,919 |
| Core capital (leverage) ratio | 8.0054% | 6,253 |
| Tier 1 risk-based capital ratio | 11.5141% | 6,093 |
| Total risk-based capital ratio | 12.7948% | 6,047 |
| Memoranda: | ||
| Average total assets | $35,411,000 | 6,990 |
| Average earning assets | $33,439,000 | 6,939 |
| Average equity | $2,986,000 | 7,171 |
| Average total loans | $25,223,000 | 6,579 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2537% | 3,342 |
| Cost of funding earning assets | 0.8297% | 6,446 |
| Net interest margin | 4.4240% | 1,414 |
| Noninterest income to average assets | 0.5193% | 4,028 |
| Noninterest expense to average assets | 3.8101% | 1,470 |
| Loan and lease loss provision to assets | 3.3755% | 245 |
| Net operating income to assets | -2.6050% | 7,209 |
| Return on assets (ROA) | -2.6050% | 7,228 |
| Pretax return on assets | -2.5429% | 7,180 |
| Return on Equity (ROE) | -29.1094% | 7,214 |
| Retained earnings to average equity (ytd only) | -29.1094% | 7,202 |
| Net charge-offs to loans | 2.9954% | 554 |
| Credit loss provision to net charge-offs | 145.1456% | 2,547 |
| Earnings coverage of net charge-offs (x) | 0.3580% | 5,747 |
| Efficiency ratio | 82.0669% | 2,159 |
| Assets per employee ($millions) | 2.5187% | 6,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0685% | 823 |
| Loan loss allowance to noncurrent loans | 61.9010% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 4.2794% | 1,557 |
| Noncurrent loans to loans | 4.9570% | 1,365 |
| Net loans and leases to total assets | 69.4288% | 2,680 |
| Net loans and leases to deposits | 77.2352% | 3,628 |
| Net loans and leases to core deposits | 94.2050% | 2,231 |
| Total domestic deposits to total assets | 89.8928% | 1,166 |
| Equity capital to assets | 8.3716% | 6,044 |
| Core capital (leverage) ratio | 7.5675% | 6,647 |
| Tier 1 risk-based capital ratio | 11.2020% | 6,181 |
| Total risk-based capital ratio | 12.4823% | 6,137 |
| Memoranda: | ||
| Average total assets | $35,432,000 | 7,027 |
| Average earning assets | $33,024,600 | 6,982 |
| Average equity | $3,170,800 | 7,227 |
| Average total loans | $27,509,000 | 6,526 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 2,957 |
| Cost of funding earning assets | 0.8891% | 6,441 |
| Net interest margin | 4.4937% | 1,268 |
| Noninterest income to average assets | 0.5112% | 4,089 |
| Noninterest expense to average assets | 3.8261% | 1,329 |
| Loan and lease loss provision to assets | 2.0221% | 585 |
| Net operating income to assets | -1.2403% | 6,996 |
| Return on assets (ROA) | -1.2403% | 7,026 |
| Pretax return on assets | -1.1576% | 6,924 |
| Return on Equity (ROE) | -13.6410% | 7,060 |
| Retained earnings to average equity (ytd only) | -13.6410% | 7,027 |
| Net charge-offs to loans | 2.6692% | 611 |
| Credit loss provision to net charge-offs | 95.7295% | 4,529 |
| Earnings coverage of net charge-offs (x) | 0.4093% | 5,611 |
| Efficiency ratio | 81.5705% | 2,117 |
| Assets per employee ($millions) | 2.5932% | 6,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 4,901 |
| Loan loss allowance to noncurrent loans | 40.2335% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 3.3026% | 2,160 |
| Noncurrent loans to loans | 3.2571% | 2,432 |
| Net loans and leases to total assets | 78.6173% | 941 |
| Net loans and leases to deposits | 88.3298% | 1,965 |
| Net loans and leases to core deposits | 107.0031% | 1,240 |
| Total domestic deposits to total assets | 89.0043% | 1,386 |
| Equity capital to assets | 8.4341% | 6,353 |
| Core capital (leverage) ratio | 8.2833% | 5,902 |
| Tier 1 risk-based capital ratio | 10.7731% | 6,568 |
| Total risk-based capital ratio | 12.0247% | 6,551 |
| Memoranda: | ||
| Average total assets | $35,474,500 | 7,111 |
| Average earning assets | $32,993,250 | 7,066 |
| Average equity | $3,225,500 | 7,305 |
| Average total loans | $28,072,000 | 6,586 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4886% | 2,573 |
| Cost of funding earning assets | 0.9845% | 6,221 |
| Net interest margin | 4.5041% | 1,200 |
| Noninterest income to average assets | 0.5228% | 3,937 |
| Noninterest expense to average assets | 3.8923% | 1,198 |
| Loan and lease loss provision to assets | 2.1592% | 559 |
| Net operating income to assets | -1.4944% | 7,148 |
| Return on assets (ROA) | -1.4944% | 7,159 |
| Pretax return on assets | -1.3694% | 7,038 |
| Return on Equity (ROE) | -16.0366% | 7,173 |
| Retained earnings to average equity (ytd only) | -16.0366% | 7,136 |
| Net charge-offs to loans | 2.7277% | 607 |
| Credit loss provision to net charge-offs | 100.2639% | 4,059 |
| Earnings coverage of net charge-offs (x) | 0.3668% | 5,368 |
| Efficiency ratio | 83.1311% | 2,025 |
| Assets per employee ($millions) | 2.3729% | 7,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 4,187 |
| Loan loss allowance to noncurrent loans | 31.0292% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 4.3800% | 1,523 |
| Noncurrent loans to loans | 4.6663% | 1,539 |
| Net loans and leases to total assets | 77.2546% | 1,242 |
| Net loans and leases to deposits | 87.1541% | 2,312 |
| Net loans and leases to core deposits | 106.1207% | 1,430 |
| Total domestic deposits to total assets | 88.6413% | 1,649 |
| Equity capital to assets | 8.7683% | 5,790 |
| Core capital (leverage) ratio | 8.6579% | 5,145 |
| Tier 1 risk-based capital ratio | 10.8930% | 6,356 |
| Total risk-based capital ratio | 12.1467% | 6,339 |
| Memoranda: | ||
| Average total assets | $35,197,670 | 7,174 |
| Average earning assets | $32,504,000 | 7,134 |
| Average equity | $3,280,000 | 7,331 |
| Average total loans | $27,789,000 | 6,648 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5494% | 2,365 |
| Cost of funding earning assets | 1.0606% | 6,088 |
| Net interest margin | 4.4888% | 1,172 |
| Noninterest income to average assets | 0.5600% | 3,563 |
| Noninterest expense to average assets | 4.0458% | 966 |
| Loan and lease loss provision to assets | 1.3257% | 906 |
| Net operating income to assets | -0.6743% | 6,943 |
| Return on assets (ROA) | -0.6743% | 6,969 |
| Pretax return on assets | -0.6514% | 6,870 |
| Return on Equity (ROE) | -7.0249% | 6,996 |
| Retained earnings to average equity (ytd only) | -7.0249% | 6,745 |
| Net charge-offs to loans | 1.6587% | 1,046 |
| Credit loss provision to net charge-offs | 100.8696% | 3,363 |
| Earnings coverage of net charge-offs (x) | 0.5130% | 4,579 |
| Efficiency ratio | 85.7143% | 1,821 |
| Assets per employee ($millions) | 2.3680% | 7,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4339% | 4,243 |
| Loan loss allowance to noncurrent loans | 29.7716% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 4.5439% | 1,485 |
| Noncurrent loans to loans | 4.8165% | 1,524 |
| Net loans and leases to total assets | 78.1813% | 1,115 |
| Net loans and leases to deposits | 88.8413% | 2,075 |
| Net loans and leases to core deposits | 107.5356% | 1,458 |
| Total domestic deposits to total assets | 88.0011% | 2,059 |
| Equity capital to assets | 9.3722% | 4,721 |
| Core capital (leverage) ratio | 9.2581% | 4,120 |
| Tier 1 risk-based capital ratio | 11.3683% | 5,798 |
| Total risk-based capital ratio | 12.6217% | 5,765 |
| Memoranda: | ||
| Average total assets | $34,999,500 | 7,271 |
| Average earning assets | $32,436,000 | 7,223 |
| Average equity | $3,359,500 | 7,387 |
| Average total loans | $27,732,500 | 6,734 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3468% | 4,951 |
| Cost of funding earning assets | 1.3442% | 6,165 |
| Net interest margin | 4.0026% | 2,849 |
| Noninterest income to average assets | 0.5625% | 3,921 |
| Noninterest expense to average assets | 3.7436% | 1,814 |
| Loan and lease loss provision to assets | 2.0026% | 1,083 |
| Net operating income to assets | -0.8185% | 6,449 |
| Return on assets (ROA) | -0.8185% | 6,450 |
| Pretax return on assets | -1.4316% | 6,657 |
| Return on Equity (ROE) | -8.4815% | 6,508 |
| Retained earnings to average equity (ytd only) | -9.9388% | 6,516 |
| Net charge-offs to loans | 2.5787% | 887 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 0.2851% | 5,828 |
| Efficiency ratio | 86.7666% | 2,028 |
| Assets per employee ($millions) | 2.2986% | 7,472 |
| Cash dividends to net income (ytd only)* | -17.1821% | 7,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 3,852 |
| Loan loss allowance to noncurrent loans | 51.0773% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 3.7037% | 1,798 |
| Noncurrent loans to loans | 2.8911% | 2,672 |
| Net loans and leases to total assets | 77.9837% | 1,391 |
| Net loans and leases to deposits | 89.1394% | 2,368 |
| Net loans and leases to core deposits | 96.9461% | 4,357 |
| Total domestic deposits to total assets | 87.4851% | 2,224 |
| Equity capital to assets | 9.8321% | 3,967 |
| Core capital (leverage) ratio | 9.4250% | 3,805 |
| Tier 1 risk-based capital ratio | 11.8805% | 5,048 |
| Total risk-based capital ratio | 13.1347% | 5,012 |
| Memoranda: | ||
| Average total assets | $35,553,800 | 7,258 |
| Average earning assets | $33,328,200 | 7,215 |
| Average equity | $3,431,000 | 7,463 |
| Average total loans | $27,610,400 | 6,764 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2747% | 5,547 |
| Cost of funding earning assets | 1.4103% | 6,189 |
| Net interest margin | 3.8644% | 3,371 |
| Noninterest income to average assets | 0.5509% | 4,068 |
| Noninterest expense to average assets | 3.5693% | 2,097 |
| Loan and lease loss provision to assets | 2.6500% | 608 |
| Net operating income to assets | -1.2543% | 6,989 |
| Return on assets (ROA) | -1.2543% | 6,995 |
| Pretax return on assets | -2.0173% | 7,191 |
| Return on Equity (ROE) | -13.0569% | 7,080 |
| Retained earnings to average equity (ytd only) | -14.9943% | 7,132 |
| Net charge-offs to loans | 3.4283% | 437 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 0.2388% | 5,776 |
| Efficiency ratio | 84.9424% | 2,191 |
| Assets per employee ($millions) | 2.6238% | 7,006 |
| Cash dividends to net income (ytd only)* | -14.8380% | 7,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 3,440 |
| Loan loss allowance to noncurrent loans | 49.2665% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 3.8288% | 1,686 |
| Noncurrent loans to loans | 3.0447% | 2,488 |
| Net loans and leases to total assets | 77.5814% | 1,654 |
| Net loans and leases to deposits | 88.8796% | 2,809 |
| Net loans and leases to core deposits | 97.5882% | 4,651 |
| Total domestic deposits to total assets | 87.2882% | 2,026 |
| Equity capital to assets | 9.8417% | 4,296 |
| Core capital (leverage) ratio | 9.1431% | 4,425 |
| Tier 1 risk-based capital ratio | 11.9964% | 4,985 |
| Total risk-based capital ratio | 13.1200% | 5,029 |
| Memoranda: | ||
| Average total assets | $35,822,500 | 7,313 |
| Average earning assets | $33,846,250 | 7,256 |
| Average equity | $3,441,250 | 7,528 |
| Average total loans | $27,690,250 | 6,817 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1692% | 6,195 |
| Cost of funding earning assets | 1.4786% | 6,227 |
| Net interest margin | 3.6906% | 3,992 |
| Noninterest income to average assets | 0.5496% | 4,039 |
| Noninterest expense to average assets | 3.5446% | 2,210 |
| Loan and lease loss provision to assets | 2.2477% | 714 |
| Net operating income to assets | -0.7089% | 6,758 |
| Return on assets (ROA) | -0.7089% | 6,761 |
| Pretax return on assets | -1.7586% | 7,195 |
| Return on Equity (ROE) | -7.4366% | 6,845 |
| Retained earnings to average equity (ytd only) | -10.3190% | 6,903 |
| Net charge-offs to loans | 2.9251% | 559 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 0.2176% | 5,455 |
| Efficiency ratio | 87.8747% | 2,029 |
| Assets per employee ($millions) | 2.4334% | 7,373 |
| Cash dividends to net income (ytd only)* | -38.7597% | 7,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 3,526 |
| Loan loss allowance to noncurrent loans | 39.6264% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 3.4191% | 1,830 |
| Noncurrent loans to loans | 3.6325% | 1,915 |
| Net loans and leases to total assets | 75.5979% | 2,288 |
| Net loans and leases to deposits | 85.7276% | 3,593 |
| Net loans and leases to core deposits | 99.8697% | 4,521 |
| Total domestic deposits to total assets | 88.1839% | 1,681 |
| Equity capital to assets | 9.1614% | 5,076 |
| Core capital (leverage) ratio | 9.1220% | 4,427 |
| Tier 1 risk-based capital ratio | 11.3048% | 5,590 |
| Total risk-based capital ratio | 12.5555% | 5,491 |
| Memoranda: | ||
| Average total assets | $36,393,330 | 7,366 |
| Average earning assets | $34,357,330 | 7,300 |
| Average equity | $3,469,330 | 7,585 |
| Average total loans | $27,965,000 | 6,848 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 6,423 |
| Cost of funding earning assets | 1.5264% | 6,321 |
| Net interest margin | 3.6398% | 4,139 |
| Noninterest income to average assets | 0.4733% | 4,563 |
| Noninterest expense to average assets | 3.1591% | 3,155 |
| Loan and lease loss provision to assets | 2.2235% | 530 |
| Net operating income to assets | 0.2752% | 5,384 |
| Return on assets (ROA) | 0.2752% | 5,554 |
| Pretax return on assets | -1.4970% | 7,358 |
| Return on Equity (ROE) | 2.8313% | 5,434 |
| Retained earnings to average equity (ytd only) | 2.8313% | 4,300 |
| Net charge-offs to loans | 2.8910% | 446 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 0.3267% | 4,718 |
| Efficiency ratio | 81.3031% | 2,639 |
| Assets per employee ($millions) | 2.4571% | 7,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 3,412 |
| Loan loss allowance to noncurrent loans | 15.8225% | 7,368 |
| Noncurrent assets plus other real estate owned to assets | 7.5372% | 416 |
| Noncurrent loans to loans | 8.9516% | 364 |
| Net loans and leases to total assets | 76.1049% | 2,246 |
| Net loans and leases to deposits | 86.7562% | 3,515 |
| Net loans and leases to core deposits | 95.2559% | 5,038 |
| Total domestic deposits to total assets | 87.7228% | 1,875 |
| Equity capital to assets | 9.5993% | 4,527 |
| Core capital (leverage) ratio | 9.7291% | 3,711 |
| Tier 1 risk-based capital ratio | 11.8449% | 5,083 |
| Total risk-based capital ratio | 13.0961% | 4,991 |
| Memoranda: | ||
| Average total assets | $36,339,500 | 7,400 |
| Average earning assets | $34,067,500 | 7,351 |
| Average equity | $3,532,000 | 7,618 |
| Average total loans | $27,949,000 | 6,889 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5380% | 2,769 |
| Cost of funding earning assets | 2.1199% | 5,967 |
| Net interest margin | 4.4181% | 1,630 |
| Noninterest income to average assets | 0.4348% | 5,173 |
| Noninterest expense to average assets | 3.4206% | 2,609 |
| Loan and lease loss provision to assets | 5.4604% | 81 |
| Net operating income to assets | -2.6468% | 7,745 |
| Return on assets (ROA) | -2.6468% | 7,716 |
| Pretax return on assets | -4.2464% | 7,934 |
| Return on Equity (ROE) | -29.6678% | 7,952 |
| Retained earnings to average equity (ytd only) | -29.6678% | 7,902 |
| Net charge-offs to loans | 5.9673% | 58 |
| Credit loss provision to net charge-offs | 110.3925% | 4,885 |
| Earnings coverage of net charge-offs (x) | 0.2454% | 6,081 |
| Efficiency ratio | 73.8053% | 3,618 |
| Assets per employee ($millions) | 2.5587% | 7,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 2,840 |
| Loan loss allowance to noncurrent loans | 18.9024% | 7,280 |
| Noncurrent assets plus other real estate owned to assets | 6.5965% | 418 |
| Noncurrent loans to loans | 7.7683% | 356 |
| Net loans and leases to total assets | 75.4899% | 2,765 |
| Net loans and leases to deposits | 86.3465% | 4,065 |
| Net loans and leases to core deposits | 97.0987% | 5,141 |
| Total domestic deposits to total assets | 87.4267% | 1,739 |
| Equity capital to assets | 9.8431% | 4,234 |
| Core capital (leverage) ratio | 9.7229% | 3,742 |
| Tier 1 risk-based capital ratio | 12.1115% | 4,732 |
| Total risk-based capital ratio | 13.3650% | 4,613 |
| Memoranda: | ||
| Average total assets | $36,572,400 | 7,360 |
| Average earning assets | $34,766,000 | 7,297 |
| Average equity | $3,262,800 | 7,762 |
| Average total loans | $30,315,000 | 6,687 |