Home > Liberty Bank > Performance and Condition Ratios
Liberty 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 | 4.5659% | 2,981 |
| Cost of funding earning assets | 1.8445% | 1,170 |
| Net interest margin | 2.7214% | 3,789 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.5893% | 2,035 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 0.1843% | 4,186 |
| Return on assets (ROA) | 0.1859% | 4,199 |
| Pretax return on assets | 0.2355% | 4,158 |
| Return on Equity (ROE) | 2.0900% | 4,144 |
| Retained earnings to average equity (ytd only) | 2.0907% | 3,559 |
| Net charge-offs to loans | -0.0007% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.7475% | 339 |
| Assets per employee ($millions) | 9.7317% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 3,966 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 77.2800% | 938 |
| Net loans and leases to deposits | 100.1177% | 529 |
| Net loans and leases to core deposits | 130.9473% | 384 |
| Total domestic deposits to total assets | 77.1900% | 3,827 |
| Equity capital to assets | 9.1172% | 2,596 |
| Core capital (leverage) ratio | 9.5647% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0721% | 1,516 |
| Memoranda: | ||
| Average total assets | $187,697,600 | 3,070 |
| Average earning assets | $175,167,200 | 3,050 |
| Average equity | $16,692,600 | 3,119 |
| Average total loans | $142,187,400 | 2,741 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4572% | 2,995 |
| Cost of funding earning assets | 1.7222% | 1,145 |
| Net interest margin | 2.7349% | 3,832 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.5839% | 1,985 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.1932% | 4,233 |
| Return on assets (ROA) | 0.1932% | 4,252 |
| Pretax return on assets | 0.2449% | 4,207 |
| Return on Equity (ROE) | 2.1900% | 4,177 |
| Retained earnings to average equity (ytd only) | 2.1860% | 3,698 |
| Net charge-offs to loans | -0.0169% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.4631% | 336 |
| Assets per employee ($millions) | 8.5570% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 3,809 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 73.7100% | 1,374 |
| Net loans and leases to deposits | 96.5925% | 711 |
| Net loans and leases to core deposits | 124.5608% | 445 |
| Total domestic deposits to total assets | 76.3100% | 3,989 |
| Equity capital to assets | 8.9900% | 2,422 |
| Core capital (leverage) ratio | 9.6254% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4818% | 1,429 |
| Memoranda: | ||
| Average total assets | $188,396,250 | 3,074 |
| Average earning assets | $175,503,750 | 3,059 |
| Average equity | $16,651,250 | 3,106 |
| Average total loans | $141,724,000 | 2,753 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 2,976 |
| Cost of funding earning assets | 1.6465% | 973 |
| Net interest margin | 2.7172% | 3,948 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.5525% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2048% | 4,271 |
| Return on assets (ROA) | 0.2048% | 4,293 |
| Pretax return on assets | 0.2590% | 4,268 |
| Return on Equity (ROE) | 2.3300% | 4,232 |
| Retained earnings to average equity (ytd only) | 2.3309% | 3,640 |
| Net charge-offs to loans | -0.0253% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 90.3323% | 345 |
| Assets per employee ($millions) | 8.5014% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 3,795 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 73.9900% | 1,295 |
| Net loans and leases to deposits | 98.0058% | 605 |
| Net loans and leases to core deposits | 117.7276% | 581 |
| Total domestic deposits to total assets | 75.5000% | 4,084 |
| Equity capital to assets | 8.9622% | 2,537 |
| Core capital (leverage) ratio | 9.5400% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4792% | 1,433 |
| Memoranda: | ||
| Average total assets | $188,444,000 | 3,076 |
| Average earning assets | $175,769,000 | 3,060 |
| Average equity | $16,560,333 | 3,139 |
| Average total loans | $142,304,000 | 2,750 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2042% | 3,032 |
| Cost of funding earning assets | 1.4882% | 867 |
| Net interest margin | 2.7159% | 4,051 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.4848% | 2,289 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.1755% | 4,380 |
| Return on assets (ROA) | 0.1755% | 4,353 |
| Pretax return on assets | 0.2220% | 4,316 |
| Return on Equity (ROE) | 2.0200% | 4,304 |
| Retained earnings to average equity (ytd only) | 2.0171% | 3,701 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.9609% | 422 |
| Assets per employee ($millions) | 8.4261% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 3,829 |
| Loan loss allowance to noncurrent loans | 90.8705% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.7622% | 628 |
| Noncurrent loans to loans | 1.0015% | 726 |
| Net loans and leases to total assets | 75.4200% | 1,030 |
| Net loans and leases to deposits | 100.0107% | 445 |
| Net loans and leases to core deposits | 113.6899% | 588 |
| Total domestic deposits to total assets | 75.4100% | 4,197 |
| Equity capital to assets | 8.9305% | 2,568 |
| Core capital (leverage) ratio | 9.4250% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2860% | 1,548 |
| Memoranda: | ||
| Average total assets | $189,151,000 | 3,112 |
| Average earning assets | $176,587,000 | 3,089 |
| Average equity | $16,459,500 | 3,179 |
| Average total loans | $143,635,000 | 2,768 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 2,324 |
| Cost of funding earning assets | 0.4123% | 1,995 |
| Net interest margin | 3.3710% | 2,340 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.5942% | 1,844 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.4521% | 4,167 |
| Return on assets (ROA) | 0.4521% | 4,127 |
| Pretax return on assets | 0.5722% | 4,075 |
| Return on Equity (ROE) | 5.2800% | 3,971 |
| Retained earnings to average equity (ytd only) | 5.2839% | 2,933 |
| Net charge-offs to loans | 0.3492% | 218 |
| Credit loss provision to net charge-offs | 40.2062% | 1,860 |
| Earnings coverage of net charge-offs (x) | 2.5835% | 2,499 |
| Efficiency ratio | 78.8264% | 798 |
| Assets per employee ($millions) | 8.7694% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 3,932 |
| Loan loss allowance to noncurrent loans | 187.4052% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 1,489 |
| Noncurrent loans to loans | 0.4508% | 1,583 |
| Net loans and leases to total assets | 75.1300% | 1,116 |
| Net loans and leases to deposits | 101.6280% | 379 |
| Net loans and leases to core deposits | 117.9088% | 406 |
| Total domestic deposits to total assets | 73.9300% | 4,359 |
| Equity capital to assets | 8.4820% | 2,718 |
| Core capital (leverage) ratio | 9.3651% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6318% | 1,755 |
| Memoranda: | ||
| Average total assets | $184,910,000 | 3,145 |
| Average earning assets | $174,130,400 | 3,110 |
| Average equity | $15,821,600 | 3,292 |
| Average total loans | $138,871,000 | 2,739 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 2,122 |
| Cost of funding earning assets | 0.2425% | 2,785 |
| Net interest margin | 3.4283% | 1,872 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 2.6636% | 1,552 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.4461% | 4,173 |
| Return on assets (ROA) | 0.4461% | 4,117 |
| Pretax return on assets | 0.5671% | 4,040 |
| Return on Equity (ROE) | 5.2000% | 3,942 |
| Retained earnings to average equity (ytd only) | 5.2020% | 3,024 |
| Net charge-offs to loans | 0.4719% | 137 |
| Credit loss provision to net charge-offs | 30.9278% | 1,601 |
| Earnings coverage of net charge-offs (x) | 1.9134% | 2,261 |
| Efficiency ratio | 79.2667% | 817 |
| Assets per employee ($millions) | 8.4583% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8068% | 4,079 |
| Loan loss allowance to noncurrent loans | 177.0833% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 1,498 |
| Noncurrent loans to loans | 0.4556% | 1,666 |
| Net loans and leases to total assets | 78.6200% | 652 |
| Net loans and leases to deposits | 93.0753% | 695 |
| Net loans and leases to core deposits | 95.6736% | 1,020 |
| Total domestic deposits to total assets | 84.4700% | 3,392 |
| Equity capital to assets | 8.6284% | 2,462 |
| Core capital (leverage) ratio | 9.0773% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4194% | 1,895 |
| Memoranda: | ||
| Average total assets | $182,905,750 | 3,185 |
| Average earning assets | $172,635,000 | 3,149 |
| Average equity | $15,686,000 | 3,347 |
| Average total loans | $137,042,500 | 2,763 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5583% | 1,965 |
| Cost of funding earning assets | 0.2116% | 2,759 |
| Net interest margin | 3.3467% | 1,771 |
| Noninterest income to average assets | 0.1155% | 4,419 |
| Noninterest expense to average assets | 2.6935% | 1,404 |
| Loan and lease loss provision to assets | 0.0990% | 1,012 |
| Net operating income to assets | 0.3860% | 4,135 |
| Return on assets (ROA) | 0.3860% | 4,084 |
| Pretax return on assets | 0.4894% | 4,016 |
| Return on Equity (ROE) | 4.5108% | 3,908 |
| Retained earnings to average equity (ytd only) | 4.5108% | 2,877 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5684% | 831 |
| Assets per employee ($millions) | 8.4523% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 3,148 |
| Loan loss allowance to noncurrent loans | 138.1523% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 880 |
| Noncurrent loans to loans | 0.7986% | 1,074 |
| Net loans and leases to total assets | 77.8485% | 565 |
| Net loans and leases to deposits | 87.1927% | 894 |
| Net loans and leases to core deposits | 90.3739% | 1,100 |
| Total domestic deposits to total assets | 89.2832% | 2,054 |
| Equity capital to assets | 8.3796% | 2,854 |
| Core capital (leverage) ratio | 8.6032% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2492% | 1,958 |
| Memoranda: | ||
| Average total assets | $181,846,667 | 3,228 |
| Average earning assets | $172,047,667 | 3,199 |
| Average equity | $15,562,667 | 3,444 |
| Average total loans | $133,557,667 | 2,813 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3839% | 2,132 |
| Cost of funding earning assets | 0.1988% | 2,823 |
| Net interest margin | 3.1851% | 1,929 |
| Noninterest income to average assets | 0.1535% | 4,235 |
| Noninterest expense to average assets | 2.8544% | 1,052 |
| Loan and lease loss provision to assets | 0.0334% | 1,766 |
| Net operating income to assets | 0.2336% | 4,274 |
| Return on assets (ROA) | 0.2336% | 4,241 |
| Pretax return on assets | 0.2959% | 4,193 |
| Return on Equity (ROE) | 2.7004% | 4,154 |
| Retained earnings to average equity (ytd only) | 2.7004% | 3,362 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0985% | 588 |
| Assets per employee ($millions) | 8.0234% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 3,087 |
| Loan loss allowance to noncurrent loans | 130.7301% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 934 |
| Noncurrent loans to loans | 0.8814% | 1,057 |
| Net loans and leases to total assets | 71.5897% | 870 |
| Net loans and leases to deposits | 80.9082% | 1,084 |
| Net loans and leases to core deposits | 83.3629% | 1,278 |
| Total domestic deposits to total assets | 88.4827% | 2,306 |
| Equity capital to assets | 8.3700% | 3,268 |
| Core capital (leverage) ratio | 8.8279% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8925% | 1,842 |
| Memoranda: | ||
| Average total assets | $179,794,500 | 3,259 |
| Average earning assets | $171,045,000 | 3,220 |
| Average equity | $15,553,000 | 3,512 |
| Average total loans | $127,149,000 | 2,880 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9731% | 1,426 |
| Cost of funding earning assets | 0.2088% | 3,379 |
| Net interest margin | 3.7643% | 1,077 |
| Noninterest income to average assets | 0.1787% | 4,260 |
| Noninterest expense to average assets | 3.2380% | 690 |
| Loan and lease loss provision to assets | 0.2284% | 436 |
| Net operating income to assets | 0.2558% | 4,476 |
| Return on assets (ROA) | 0.2558% | 4,493 |
| Pretax return on assets | 0.3243% | 4,470 |
| Return on Equity (ROE) | 2.9947% | 4,361 |
| Retained earnings to average equity (ytd only) | 2.9947% | 3,632 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8795% | 525 |
| Assets per employee ($millions) | 6.2518% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,540 |
| Loan loss allowance to noncurrent loans | 128.6920% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.6769% | 948 |
| Noncurrent loans to loans | 0.9822% | 1,011 |
| Net loans and leases to total assets | 68.0503% | 1,259 |
| Net loans and leases to deposits | 77.9079% | 1,406 |
| Net loans and leases to core deposits | 80.4427% | 1,558 |
| Total domestic deposits to total assets | 87.3470% | 2,362 |
| Equity capital to assets | 8.9460% | 3,682 |
| Core capital (leverage) ratio | 9.0775% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6985% | 1,615 |
| Memoranda: | ||
| Average total assets | $175,167,600 | 3,251 |
| Average earning assets | $168,079,000 | 3,204 |
| Average equity | $14,959,800 | 3,638 |
| Average total loans | $127,208,000 | 2,889 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 1,582 |
| Cost of funding earning assets | 0.2069% | 3,541 |
| Net interest margin | 3.7755% | 1,169 |
| Noninterest income to average assets | 0.1796% | 4,301 |
| Noninterest expense to average assets | 3.2534% | 645 |
| Loan and lease loss provision to assets | 0.0645% | 1,708 |
| Net operating income to assets | 0.3843% | 4,393 |
| Return on assets (ROA) | 0.3843% | 4,428 |
| Pretax return on assets | 0.4863% | 4,385 |
| Return on Equity (ROE) | 4.5541% | 4,214 |
| Retained earnings to average equity (ytd only) | 4.5541% | 3,389 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9570% | 479 |
| Assets per employee ($millions) | 6.2006% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 4,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 72.2786% | 847 |
| Net loans and leases to deposits | 87.5290% | 738 |
| Net loans and leases to core deposits | 90.4712% | 1,006 |
| Total domestic deposits to total assets | 82.5768% | 3,805 |
| Equity capital to assets | 8.7833% | 4,015 |
| Core capital (leverage) ratio | 9.3786% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2596% | 1,550 |
| Memoranda: | ||
| Average total assets | $175,197,000 | 3,283 |
| Average earning assets | $168,205,000 | 3,231 |
| Average equity | $14,784,750 | 3,704 |
| Average total loans | $128,848,250 | 2,905 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9538% | 1,671 |
| Cost of funding earning assets | 0.2145% | 3,609 |
| Net interest margin | 3.7393% | 1,242 |
| Noninterest income to average assets | 0.1566% | 4,409 |
| Noninterest expense to average assets | 3.2524% | 661 |
| Loan and lease loss provision to assets | 0.0806% | 1,508 |
| Net operating income to assets | 0.3305% | 4,487 |
| Return on assets (ROA) | 0.3305% | 4,511 |
| Pretax return on assets | 0.4181% | 4,486 |
| Return on Equity (ROE) | 3.9728% | 4,336 |
| Retained earnings to average equity (ytd only) | 3.9728% | 3,527 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0915% | 471 |
| Assets per employee ($millions) | 5.8091% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.8854% | 987 |
| Net loans and leases to deposits | 81.8964% | 1,236 |
| Net loans and leases to core deposits | 83.3237% | 1,615 |
| Total domestic deposits to total assets | 87.7760% | 1,943 |
| Equity capital to assets | 9.2839% | 3,524 |
| Core capital (leverage) ratio | 9.1254% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0663% | 1,102 |
| Memoranda: | ||
| Average total assets | $173,656,667 | 3,302 |
| Average earning assets | $166,928,000 | 3,252 |
| Average equity | $14,448,333 | 3,744 |
| Average total loans | $128,071,000 | 2,920 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 1,756 |
| Cost of funding earning assets | 0.2218% | 3,712 |
| Net interest margin | 3.7088% | 1,314 |
| Noninterest income to average assets | 0.1679% | 4,360 |
| Noninterest expense to average assets | 3.2136% | 703 |
| Loan and lease loss provision to assets | 0.1248% | 1,098 |
| Net operating income to assets | 0.3132% | 4,497 |
| Return on assets (ROA) | 0.3132% | 4,535 |
| Pretax return on assets | 0.3972% | 4,489 |
| Return on Equity (ROE) | 3.9848% | 4,286 |
| Retained earnings to average equity (ytd only) | 3.9848% | 3,505 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3584% | 536 |
| Assets per employee ($millions) | 6.2868% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 4,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 74.5224% | 771 |
| Net loans and leases to deposits | 93.4989% | 522 |
| Net loans and leases to core deposits | 95.3727% | 912 |
| Total domestic deposits to total assets | 79.7040% | 4,237 |
| Equity capital to assets | 8.4847% | 4,129 |
| Core capital (leverage) ratio | 9.7646% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4841% | 855 |
| Memoranda: | ||
| Average total assets | $176,253,000 | 3,276 |
| Average earning assets | $169,544,000 | 3,219 |
| Average equity | $13,852,500 | 3,806 |
| Average total loans | $130,958,500 | 2,886 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3902% | 1,617 |
| Cost of funding earning assets | 0.4329% | 3,388 |
| Net interest margin | 3.9573% | 1,067 |
| Noninterest income to average assets | 0.1981% | 4,289 |
| Noninterest expense to average assets | 3.3394% | 859 |
| Loan and lease loss provision to assets | 0.2137% | 1,839 |
| Net operating income to assets | 0.3183% | 4,404 |
| Return on assets (ROA) | 0.3332% | 4,449 |
| Pretax return on assets | 0.4221% | 4,383 |
| Return on Equity (ROE) | 4.2943% | 4,087 |
| Retained earnings to average equity (ytd only) | 4.2943% | 2,652 |
| Net charge-offs to loans | -0.0070% | 4,196 |
| Credit loss provision to net charge-offs | -4,112.5000% | 4,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5850% | 665 |
| Assets per employee ($millions) | 5.6730% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 4,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 72.7103% | 1,199 |
| Net loans and leases to deposits | 98.4925% | 436 |
| Net loans and leases to core deposits | 100.7901% | 870 |
| Total domestic deposits to total assets | 73.8232% | 4,643 |
| Equity capital to assets | 7.1897% | 4,888 |
| Core capital (leverage) ratio | 8.2025% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4740% | 1,689 |
| Memoranda: | ||
| Average total assets | $153,980,200 | 3,354 |
| Average earning assets | $146,235,800 | 3,310 |
| Average equity | $11,946,200 | 3,985 |
| Average total loans | $114,098,200 | 3,041 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 1,349 |
| Cost of funding earning assets | 0.4904% | 3,286 |
| Net interest margin | 4.0966% | 902 |
| Noninterest income to average assets | 0.2001% | 4,279 |
| Noninterest expense to average assets | 3.3900% | 809 |
| Loan and lease loss provision to assets | 0.2475% | 1,639 |
| Net operating income to assets | 0.3487% | 4,361 |
| Return on assets (ROA) | 0.3691% | 4,384 |
| Pretax return on assets | 0.4669% | 4,350 |
| Return on Equity (ROE) | 4.6600% | 3,981 |
| Retained earnings to average equity (ytd only) | 4.6600% | 2,715 |
| Net charge-offs to loans | -0.0096% | 4,218 |
| Credit loss provision to net charge-offs | -3,475.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2721% | 720 |
| Assets per employee ($millions) | 6.7812% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 77.1337% | 940 |
| Net loans and leases to deposits | 109.9953% | 228 |
| Net loans and leases to core deposits | 113.5932% | 573 |
| Total domestic deposits to total assets | 70.1246% | 4,753 |
| Equity capital to assets | 6.9122% | 4,965 |
| Core capital (leverage) ratio | 8.0854% | 4,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2075% | 1,763 |
| Memoranda: | ||
| Average total assets | $149,928,000 | 3,393 |
| Average earning assets | $141,935,000 | 3,346 |
| Average equity | $11,873,750 | 3,996 |
| Average total loans | $111,405,250 | 3,091 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 1,173 |
| Cost of funding earning assets | 0.5754% | 3,106 |
| Net interest margin | 4.2243% | 872 |
| Noninterest income to average assets | 0.1701% | 4,444 |
| Noninterest expense to average assets | 3.4719% | 771 |
| Loan and lease loss provision to assets | 0.2452% | 1,718 |
| Net operating income to assets | 0.3459% | 4,340 |
| Return on assets (ROA) | 0.3784% | 4,334 |
| Pretax return on assets | 0.4790% | 4,282 |
| Return on Equity (ROE) | 4.5372% | 3,962 |
| Retained earnings to average equity (ytd only) | 4.5372% | 2,686 |
| Net charge-offs to loans | -0.0156% | 4,336 |
| Credit loss provision to net charge-offs | -2,162.5000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6057% | 720 |
| Assets per employee ($millions) | 6.6601% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 4,539 |
| Loan loss allowance to noncurrent loans | 156.0386% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 2,915 |
| Noncurrent loans to loans | 0.4558% | 2,782 |
| Net loans and leases to total assets | 75.2280% | 1,244 |
| Net loans and leases to deposits | 105.4635% | 330 |
| Net loans and leases to core deposits | 108.5550% | 788 |
| Total domestic deposits to total assets | 71.3309% | 4,741 |
| Equity capital to assets | 6.6915% | 5,002 |
| Core capital (leverage) ratio | 8.0670% | 4,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7066% | 1,925 |
| Memoranda: | ||
| Average total assets | $141,133,333 | 3,472 |
| Average earning assets | $133,135,667 | 3,432 |
| Average equity | $11,769,333 | 4,015 |
| Average total loans | $102,850,333 | 3,192 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5229% | 2,251 |
| Cost of funding earning assets | 0.8223% | 2,263 |
| Net interest margin | 3.7005% | 2,314 |
| Noninterest income to average assets | 0.2989% | 3,725 |
| Noninterest expense to average assets | 3.6720% | 724 |
| Loan and lease loss provision to assets | 0.1741% | 1,695 |
| Net operating income to assets | -0.0887% | 4,800 |
| Return on assets (ROA) | 0.0066% | 4,736 |
| Pretax return on assets | 0.0066% | 4,730 |
| Return on Equity (ROE) | 0.0687% | 4,731 |
| Retained earnings to average equity (ytd only) | 0.0687% | 3,972 |
| Net charge-offs to loans | -0.0371% | 4,542 |
| Credit loss provision to net charge-offs | -662.5000% | 3,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4161% | 313 |
| Assets per employee ($millions) | 4.6140% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 3,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 77.7545% | 1,014 |
| Net loans and leases to deposits | 91.6709% | 1,319 |
| Net loans and leases to core deposits | 96.2845% | 1,767 |
| Total domestic deposits to total assets | 84.8191% | 2,479 |
| Equity capital to assets | 10.1613% | 3,637 |
| Core capital (leverage) ratio | 9.3551% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4045% | 2,111 |
| Memoranda: | ||
| Average total assets | $121,788,000 | 3,681 |
| Average earning assets | $113,822,000 | 3,647 |
| Average equity | $11,637,500 | 4,044 |
| Average total loans | $86,152,000 | 3,481 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 3,206 |
| Cost of funding earning assets | 0.9137% | 2,142 |
| Net interest margin | 3.5020% | 3,443 |
| Noninterest income to average assets | 0.1551% | 4,716 |
| Noninterest expense to average assets | 3.2662% | 1,370 |
| Loan and lease loss provision to assets | 0.0122% | 3,769 |
| Net operating income to assets | 0.1485% | 4,891 |
| Return on assets (ROA) | 0.1208% | 4,931 |
| Pretax return on assets | 0.1542% | 4,914 |
| Return on Equity (ROE) | 1.3350% | 4,880 |
| Retained earnings to average equity (ytd only) | 1.3350% | 4,267 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5630% | 274 |
| Assets per employee ($millions) | 5.5751% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 3,678 |
| Loan loss allowance to noncurrent loans | 121.2308% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 2,387 |
| Noncurrent loans to loans | 0.7950% | 1,918 |
| Net loans and leases to total assets | 63.1521% | 3,300 |
| Net loans and leases to deposits | 77.6261% | 3,046 |
| Net loans and leases to core deposits | 81.5168% | 3,177 |
| Total domestic deposits to total assets | 81.3542% | 3,693 |
| Equity capital to assets | 9.0106% | 4,680 |
| Core capital (leverage) ratio | 9.3555% | 4,216 |
| Tier 1 risk-based capital ratio | 14.6193% | 2,950 |
| Total risk-based capital ratio | 15.6705% | 2,968 |
| Memoranda: | ||
| Average total assets | $122,529,200 | 3,657 |
| Average earning assets | $115,903,600 | 3,622 |
| Average equity | $11,086,200 | 4,116 |
| Average total loans | $81,609,000 | 3,566 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5148% | 3,013 |
| Cost of funding earning assets | 0.9255% | 2,112 |
| Net interest margin | 3.5892% | 3,282 |
| Noninterest income to average assets | 0.1486% | 4,804 |
| Noninterest expense to average assets | 3.2951% | 1,280 |
| Loan and lease loss provision to assets | 0.0099% | 3,693 |
| Net operating income to assets | 0.1882% | 4,958 |
| Return on assets (ROA) | 0.1508% | 5,000 |
| Pretax return on assets | 0.1905% | 4,989 |
| Return on Equity (ROE) | 1.6652% | 4,942 |
| Retained earnings to average equity (ytd only) | 1.6652% | 4,376 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3300% | 289 |
| Assets per employee ($millions) | 5.1010% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 3,797 |
| Loan loss allowance to noncurrent loans | 120.1229% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 2,340 |
| Noncurrent loans to loans | 0.7962% | 1,982 |
| Net loans and leases to total assets | 69.0214% | 2,622 |
| Net loans and leases to deposits | 83.1243% | 2,553 |
| Net loans and leases to core deposits | 88.0732% | 2,719 |
| Total domestic deposits to total assets | 83.0340% | 3,160 |
| Equity capital to assets | 9.8114% | 4,201 |
| Core capital (leverage) ratio | 9.3269% | 4,348 |
| Tier 1 risk-based capital ratio | 14.7678% | 2,968 |
| Total risk-based capital ratio | 15.8256% | 2,965 |
| Memoranda: | ||
| Average total assets | $121,104,750 | 3,721 |
| Average earning assets | $114,524,500 | 3,672 |
| Average equity | $10,969,250 | 4,164 |
| Average total loans | $81,569,750 | 3,612 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 3,186 |
| Cost of funding earning assets | 0.8554% | 2,375 |
| Net interest margin | 3.5927% | 3,280 |
| Noninterest income to average assets | 0.1389% | 4,875 |
| Noninterest expense to average assets | 3.2836% | 1,312 |
| Loan and lease loss provision to assets | 0.0098% | 3,551 |
| Net operating income to assets | 0.1912% | 5,005 |
| Return on assets (ROA) | 0.1912% | 5,012 |
| Pretax return on assets | 0.2435% | 4,986 |
| Return on Equity (ROE) | 2.1689% | 4,919 |
| Retained earnings to average equity (ytd only) | 2.1689% | 4,066 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0351% | 315 |
| Assets per employee ($millions) | 6.2668% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 3,943 |
| Loan loss allowance to noncurrent loans | 122.1003% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 2,508 |
| Noncurrent loans to loans | 0.7654% | 2,067 |
| Net loans and leases to total assets | 65.8858% | 3,127 |
| Net loans and leases to deposits | 88.3178% | 1,963 |
| Net loans and leases to core deposits | 98.5418% | 1,839 |
| Total domestic deposits to total assets | 74.6009% | 4,790 |
| Equity capital to assets | 9.1108% | 4,731 |
| Core capital (leverage) ratio | 9.4697% | 4,176 |
| Tier 1 risk-based capital ratio | 14.4131% | 3,107 |
| Total risk-based capital ratio | 15.4451% | 3,134 |
| Memoranda: | ||
| Average total assets | $122,365,330 | 3,716 |
| Average earning assets | $115,733,670 | 3,678 |
| Average equity | $10,788,670 | 4,200 |
| Average total loans | $81,506,330 | 3,632 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 3,386 |
| Cost of funding earning assets | 0.7248% | 2,921 |
| Net interest margin | 3.6311% | 3,129 |
| Noninterest income to average assets | 0.0794% | 5,146 |
| Noninterest expense to average assets | 3.2164% | 1,461 |
| Loan and lease loss provision to assets | 0.0099% | 3,303 |
| Net operating income to assets | 0.2250% | 4,994 |
| Return on assets (ROA) | 0.2250% | 4,999 |
| Pretax return on assets | 0.2846% | 4,975 |
| Return on Equity (ROE) | 2.5970% | 4,872 |
| Retained earnings to average equity (ytd only) | 2.5970% | 3,890 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6324% | 408 |
| Assets per employee ($millions) | 6.3141% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 3,982 |
| Loan loss allowance to noncurrent loans | 121.6301% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 2,598 |
| Noncurrent loans to loans | 0.7763% | 2,091 |
| Net loans and leases to total assets | 64.4637% | 3,230 |
| Net loans and leases to deposits | 84.5180% | 2,323 |
| Net loans and leases to core deposits | 93.9318% | 2,125 |
| Total domestic deposits to total assets | 76.2722% | 4,732 |
| Equity capital to assets | 8.8469% | 4,785 |
| Core capital (leverage) ratio | 10.1168% | 3,469 |
| Tier 1 risk-based capital ratio | 13.1808% | 3,784 |
| Total risk-based capital ratio | 14.1300% | 3,838 |
| Memoranda: | ||
| Average total assets | $120,880,500 | 3,790 |
| Average earning assets | $114,235,000 | 3,743 |
| Average equity | $10,473,500 | 4,262 |
| Average total loans | $80,581,000 | 3,681 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 2,274 |
| Cost of funding earning assets | 0.6826% | 2,198 |
| Net interest margin | 3.8731% | 2,417 |
| Noninterest income to average assets | 0.2173% | 4,610 |
| Noninterest expense to average assets | 3.2093% | 1,529 |
| Loan and lease loss provision to assets | 0.0353% | 3,492 |
| Net operating income to assets | 0.4771% | 4,714 |
| Return on assets (ROA) | 0.4771% | 4,713 |
| Pretax return on assets | 0.6147% | 4,609 |
| Return on Equity (ROE) | 5.6277% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.6277% | 2,396 |
| Net charge-offs to loans | 0.0067% | 3,450 |
| Credit loss provision to net charge-offs | 780.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 143.6000% | 580 |
| Efficiency ratio | 81.8203% | 818 |
| Assets per employee ($millions) | 6.0778% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 3,820 |
| Loan loss allowance to noncurrent loans | 114.5185% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 2,282 |
| Noncurrent loans to loans | 0.8546% | 1,886 |
| Net loans and leases to total assets | 67.7240% | 2,917 |
| Net loans and leases to deposits | 84.6396% | 2,446 |
| Net loans and leases to core deposits | 89.3845% | 2,620 |
| Total domestic deposits to total assets | 80.0145% | 4,105 |
| Equity capital to assets | 8.4647% | 4,952 |
| Core capital (leverage) ratio | 8.5485% | 5,001 |
| Tier 1 risk-based capital ratio | 12.6373% | 4,051 |
| Total risk-based capital ratio | 13.6553% | 4,065 |
| Memoranda: | ||
| Average total assets | $110,461,000 | 3,937 |
| Average earning assets | $103,869,600 | 3,919 |
| Average equity | $9,364,400 | 4,409 |
| Average total loans | $75,054,200 | 3,770 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 2,295 |
| Cost of funding earning assets | 0.6791% | 1,979 |
| Net interest margin | 3.8228% | 2,555 |
| Noninterest income to average assets | 0.2527% | 4,459 |
| Noninterest expense to average assets | 3.2976% | 1,307 |
| Loan and lease loss provision to assets | 0.0110% | 3,779 |
| Net operating income to assets | 0.4249% | 4,905 |
| Return on assets (ROA) | 0.4249% | 4,914 |
| Pretax return on assets | 0.5384% | 4,839 |
| Return on Equity (ROE) | 5.0097% | 4,558 |
| Retained earnings to average equity (ytd only) | 5.0097% | 3,230 |
| Net charge-offs to loans | -0.0054% | 4,239 |
| Credit loss provision to net charge-offs | -300.0000% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6081% | 612 |
| Assets per employee ($millions) | 5.9696% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 3,704 |
| Loan loss allowance to noncurrent loans | 107.4392% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 2,333 |
| Noncurrent loans to loans | 0.9390% | 1,809 |
| Net loans and leases to total assets | 64.9683% | 3,306 |
| Net loans and leases to deposits | 77.4891% | 3,280 |
| Net loans and leases to core deposits | 84.0441% | 3,152 |
| Total domestic deposits to total assets | 83.8419% | 2,998 |
| Equity capital to assets | 8.2408% | 5,062 |
| Core capital (leverage) ratio | 8.2174% | 5,243 |
| Tier 1 risk-based capital ratio | 12.7819% | 4,035 |
| Total risk-based capital ratio | 13.8112% | 4,059 |
| Memoranda: | ||
| Average total assets | $109,206,500 | 3,996 |
| Average earning assets | $102,681,000 | 3,976 |
| Average equity | $9,261,750 | 4,467 |
| Average total loans | $74,072,750 | 3,827 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 2,263 |
| Cost of funding earning assets | 0.7026% | 1,607 |
| Net interest margin | 3.7459% | 2,765 |
| Noninterest income to average assets | 0.2022% | 4,808 |
| Noninterest expense to average assets | 3.3079% | 1,299 |
| Loan and lease loss provision to assets | 0.0111% | 3,633 |
| Net operating income to assets | 0.3191% | 5,091 |
| Return on assets (ROA) | 0.3191% | 5,086 |
| Pretax return on assets | 0.4044% | 5,041 |
| Return on Equity (ROE) | 3.7256% | 4,882 |
| Retained earnings to average equity (ytd only) | 3.7256% | 3,737 |
| Net charge-offs to loans | -0.0081% | 4,248 |
| Credit loss provision to net charge-offs | -200.0000% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1415% | 456 |
| Assets per employee ($millions) | 5.7351% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,825 |
| Loan loss allowance to noncurrent loans | 14,960.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 5,034 |
| Noncurrent loans to loans | 0.0067% | 4,928 |
| Net loans and leases to total assets | 64.3926% | 3,353 |
| Net loans and leases to deposits | 76.8836% | 3,264 |
| Net loans and leases to core deposits | 83.3670% | 3,135 |
| Total domestic deposits to total assets | 83.7534% | 3,149 |
| Equity capital to assets | 8.0409% | 5,211 |
| Core capital (leverage) ratio | 8.4527% | 5,141 |
| Tier 1 risk-based capital ratio | 12.6126% | 4,120 |
| Total risk-based capital ratio | 13.6526% | 4,139 |
| Memoranda: | ||
| Average total assets | $107,801,000 | 4,054 |
| Average earning assets | $101,337,670 | 4,026 |
| Average equity | $9,233,330 | 4,507 |
| Average total loans | $73,950,330 | 3,850 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4960% | 1,879 |
| Cost of funding earning assets | 0.7473% | 1,204 |
| Net interest margin | 3.7487% | 2,619 |
| Noninterest income to average assets | 0.1073% | 5,300 |
| Noninterest expense to average assets | 3.2314% | 1,502 |
| Loan and lease loss provision to assets | 0.0115% | 3,376 |
| Net operating income to assets | 0.3028% | 5,088 |
| Return on assets (ROA) | 0.3028% | 5,093 |
| Pretax return on assets | 0.3833% | 5,055 |
| Return on Equity (ROE) | 3.4205% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.4205% | 3,840 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1121% | 483 |
| Assets per employee ($millions) | 5.8552% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 4,018 |
| Loan loss allowance to noncurrent loans | 9,275.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 5,093 |
| Noncurrent loans to loans | 0.0107% | 4,964 |
| Net loans and leases to total assets | 70.3940% | 2,412 |
| Net loans and leases to deposits | 92.8316% | 1,352 |
| Net loans and leases to core deposits | 106.2102% | 1,219 |
| Total domestic deposits to total assets | 75.8297% | 4,977 |
| Equity capital to assets | 8.7187% | 4,809 |
| Core capital (leverage) ratio | 9.0538% | 4,620 |
| Tier 1 risk-based capital ratio | 12.7518% | 4,089 |
| Total risk-based capital ratio | 13.7861% | 4,120 |
| Memoranda: | ||
| Average total assets | $104,351,000 | 4,153 |
| Average earning assets | $97,953,000 | 4,128 |
| Average equity | $9,238,500 | 4,550 |
| Average total loans | $73,622,000 | 3,886 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 1,711 |
| Cost of funding earning assets | 0.6463% | 1,318 |
| Net interest margin | 3.8508% | 2,248 |
| Noninterest income to average assets | 0.1133% | 5,359 |
| Noninterest expense to average assets | 3.2530% | 1,489 |
| Loan and lease loss provision to assets | 0.0120% | 4,047 |
| Net operating income to assets | -0.2935% | 5,474 |
| Return on assets (ROA) | -0.2948% | 5,473 |
| Pretax return on assets | 0.4252% | 5,053 |
| Return on Equity (ROE) | -3.0871% | 5,490 |
| Retained earnings to average equity (ytd only) | -3.0871% | 5,350 |
| Net charge-offs to loans | 0.0123% | 3,653 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 54.7500% | 1,025 |
| Efficiency ratio | 88.1043% | 528 |
| Assets per employee ($millions) | 5.1654% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 3,797 |
| Loan loss allowance to noncurrent loans | 9,237.5000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 5,140 |
| Noncurrent loans to loans | 0.0111% | 4,985 |
| Net loans and leases to total assets | 69.2802% | 2,635 |
| Net loans and leases to deposits | 90.8932% | 1,665 |
| Net loans and leases to core deposits | 100.5705% | 1,668 |
| Total domestic deposits to total assets | 76.2216% | 4,953 |
| Equity capital to assets | 8.9906% | 4,735 |
| Core capital (leverage) ratio | 9.2095% | 4,385 |
| Tier 1 risk-based capital ratio | 12.8958% | 3,974 |
| Total risk-based capital ratio | 13.9593% | 3,983 |
| Memoranda: | ||
| Average total assets | $99,723,600 | 4,241 |
| Average earning assets | $92,682,000 | 4,226 |
| Average equity | $9,523,600 | 4,522 |
| Average total loans | $65,263,600 | 4,064 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 1,388 |
| Cost of funding earning assets | 0.6512% | 1,233 |
| Net interest margin | 3.9419% | 1,886 |
| Noninterest income to average assets | 0.1174% | 5,409 |
| Noninterest expense to average assets | 3.2973% | 1,354 |
| Loan and lease loss provision to assets | 0.0121% | 3,902 |
| Net operating income to assets | 0.2904% | 5,230 |
| Return on assets (ROA) | 0.2887% | 5,260 |
| Pretax return on assets | 0.4560% | 5,106 |
| Return on Equity (ROE) | 2.9776% | 5,119 |
| Retained earnings to average equity (ytd only) | 2.9776% | 4,143 |
| Net charge-offs to loans | 0.0168% | 3,176 |
| Credit loss provision to net charge-offs | 112.5000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 43.6101% | 1,224 |
| Efficiency ratio | 87.5045% | 538 |
| Assets per employee ($millions) | 5.3134% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,373 |
| Loan loss allowance to noncurrent loans | 9,200.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 5,229 |
| Noncurrent loans to loans | 0.0122% | 5,095 |
| Net loans and leases to total assets | 64.2907% | 3,349 |
| Net loans and leases to deposits | 84.3687% | 2,517 |
| Net loans and leases to core deposits | 93.6850% | 2,293 |
| Total domestic deposits to total assets | 76.2020% | 5,000 |
| Equity capital to assets | 9.6737% | 4,271 |
| Core capital (leverage) ratio | 9.1875% | 4,528 |
| Tier 1 risk-based capital ratio | 13.8326% | 3,519 |
| Total risk-based capital ratio | 14.9666% | 3,504 |
| Memoranda: | ||
| Average total assets | $98,827,500 | 4,300 |
| Average earning assets | $91,526,500 | 4,295 |
| Average equity | $9,582,500 | 4,559 |
| Average total loans | $63,501,750 | 4,147 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 1,169 |
| Cost of funding earning assets | 0.6433% | 1,188 |
| Net interest margin | 3.9999% | 1,604 |
| Noninterest income to average assets | 0.1243% | 5,425 |
| Noninterest expense to average assets | 3.3388% | 1,294 |
| Loan and lease loss provision to assets | 0.0122% | 3,713 |
| Net operating income to assets | 0.3159% | 5,184 |
| Return on assets (ROA) | 0.3159% | 5,205 |
| Pretax return on assets | 0.4994% | 5,005 |
| Return on Equity (ROE) | 3.2558% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.2558% | 3,779 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7125% | 632 |
| Assets per employee ($millions) | 5.0306% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 3,357 |
| Loan loss allowance to noncurrent loans | 8,233.3333% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 5,260 |
| Noncurrent loans to loans | 0.0139% | 5,116 |
| Net loans and leases to total assets | 63.7548% | 3,423 |
| Net loans and leases to deposits | 84.6039% | 2,391 |
| Net loans and leases to core deposits | 94.1343% | 2,144 |
| Total domestic deposits to total assets | 75.3568% | 5,161 |
| Equity capital to assets | 9.5794% | 4,337 |
| Core capital (leverage) ratio | 9.3709% | 4,266 |
| Tier 1 risk-based capital ratio | 13.5981% | 3,639 |
| Total risk-based capital ratio | 14.7290% | 3,627 |
| Memoranda: | ||
| Average total assets | $98,118,670 | 4,341 |
| Average earning assets | $91,402,670 | 4,318 |
| Average equity | $9,521,330 | 4,590 |
| Average total loans | $62,789,000 | 4,182 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 848 |
| Cost of funding earning assets | 0.6292% | 1,193 |
| Net interest margin | 4.1207% | 1,168 |
| Noninterest income to average assets | 0.1239% | 5,498 |
| Noninterest expense to average assets | 3.4231% | 1,152 |
| Loan and lease loss provision to assets | 0.0124% | 3,405 |
| Net operating income to assets | 0.3345% | 5,117 |
| Return on assets (ROA) | 0.3345% | 5,141 |
| Pretax return on assets | 0.5285% | 4,902 |
| Return on Equity (ROE) | 3.4239% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.4239% | 3,732 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3542% | 779 |
| Assets per employee ($millions) | 4.6144% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 3,186 |
| Loan loss allowance to noncurrent loans | 7,380.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 5,319 |
| Noncurrent loans to loans | 0.0162% | 5,173 |
| Net loans and leases to total assets | 63.1363% | 3,389 |
| Net loans and leases to deposits | 81.8552% | 2,528 |
| Net loans and leases to core deposits | 91.2591% | 2,234 |
| Total domestic deposits to total assets | 77.1318% | 5,099 |
| Equity capital to assets | 9.8057% | 3,970 |
| Core capital (leverage) ratio | 9.1995% | 4,483 |
| Tier 1 risk-based capital ratio | 13.4217% | 3,821 |
| Total risk-based capital ratio | 14.5435% | 3,812 |
| Memoranda: | ||
| Average total assets | $96,872,000 | 4,411 |
| Average earning assets | $90,275,500 | 4,389 |
| Average equity | $9,463,000 | 4,633 |
| Average total loans | $61,740,500 | 4,251 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 1,394 |
| Cost of funding earning assets | 0.5971% | 1,355 |
| Net interest margin | 3.9585% | 1,757 |
| Noninterest income to average assets | 0.1278% | 5,547 |
| Noninterest expense to average assets | 3.5154% | 1,138 |
| Loan and lease loss provision to assets | 0.0342% | 3,681 |
| Net operating income to assets | 1.2243% | 1,424 |
| Return on assets (ROA) | 1.4011% | 1,029 |
| Pretax return on assets | 0.4541% | 5,111 |
| Return on Equity (ROE) | 13.5919% | 847 |
| Retained earnings to average equity (ytd only) | 13.5919% | 144 |
| Net charge-offs to loans | 0.0173% | 3,724 |
| Credit loss provision to net charge-offs | 300.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 27.3000% | 1,518 |
| Efficiency ratio | 91.8605% | 464 |
| Assets per employee ($millions) | 5.0969% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 3,157 |
| Loan loss allowance to noncurrent loans | 7,350.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 5,366 |
| Noncurrent loans to loans | 0.0162% | 5,213 |
| Net loans and leases to total assets | 62.8112% | 3,499 |
| Net loans and leases to deposits | 89.1826% | 1,783 |
| Net loans and leases to core deposits | 94.0823% | 2,100 |
| Total domestic deposits to total assets | 70.4299% | 5,647 |
| Equity capital to assets | 9.7314% | 4,023 |
| Core capital (leverage) ratio | 9.4387% | 4,173 |
| Tier 1 risk-based capital ratio | 13.2026% | 3,947 |
| Total risk-based capital ratio | 14.3172% | 3,935 |
| Memoranda: | ||
| Average total assets | $87,643,600 | 4,593 |
| Average earning assets | $81,900,400 | 4,549 |
| Average equity | $9,034,800 | 4,757 |
| Average total loans | $57,942,400 | 4,352 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 1,654 |
| Cost of funding earning assets | 0.5949% | 1,371 |
| Net interest margin | 3.8687% | 2,088 |
| Noninterest income to average assets | 0.1359% | 5,574 |
| Noninterest expense to average assets | 3.6026% | 993 |
| Loan and lease loss provision to assets | 0.0234% | 3,777 |
| Net operating income to assets | 1.4232% | 1,022 |
| Return on assets (ROA) | 1.6638% | 680 |
| Pretax return on assets | 0.3671% | 5,358 |
| Return on Equity (ROE) | 15.8877% | 557 |
| Retained earnings to average equity (ytd only) | 15.8877% | 110 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0033% | 314 |
| Assets per employee ($millions) | 4.6209% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,767 |
| Loan loss allowance to noncurrent loans | 3,650.0000% | 193 |
| Noncurrent assets plus other real estate owned to assets | 1.3720% | 1,365 |
| Noncurrent loans to loans | 0.0352% | 5,233 |
| Net loans and leases to total assets | 60.6739% | 3,788 |
| Net loans and leases to deposits | 82.9814% | 2,603 |
| Net loans and leases to core deposits | 87.6291% | 2,796 |
| Total domestic deposits to total assets | 73.1175% | 5,512 |
| Equity capital to assets | 10.4299% | 3,634 |
| Core capital (leverage) ratio | 9.2889% | 4,471 |
| Tier 1 risk-based capital ratio | 13.7986% | 3,669 |
| Total risk-based capital ratio | 14.9783% | 3,638 |
| Memoranda: | ||
| Average total assets | $85,344,250 | 4,660 |
| Average earning assets | $79,784,000 | 4,628 |
| Average equity | $8,937,500 | 4,818 |
| Average total loans | $57,037,500 | 4,409 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 1,373 |
| Cost of funding earning assets | 0.5593% | 1,625 |
| Net interest margin | 3.9947% | 1,658 |
| Noninterest income to average assets | 0.1326% | 5,652 |
| Noninterest expense to average assets | 3.7283% | 844 |
| Loan and lease loss provision to assets | 0.0362% | 3,434 |
| Net operating income to assets | 0.1036% | 5,662 |
| Return on assets (ROA) | 0.3205% | 5,348 |
| Pretax return on assets | 0.3205% | 5,469 |
| Return on Equity (ROE) | 3.0562% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.0562% | 3,969 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3863% | 332 |
| Assets per employee ($millions) | 4.7334% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 2,957 |
| Loan loss allowance to noncurrent loans | 3,650.0000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 1.4099% | 1,389 |
| Noncurrent loans to loans | 0.0348% | 5,331 |
| Net loans and leases to total assets | 63.0985% | 3,485 |
| Net loans and leases to deposits | 84.8274% | 2,367 |
| Net loans and leases to core deposits | 89.6661% | 2,566 |
| Total domestic deposits to total assets | 74.3845% | 5,482 |
| Equity capital to assets | 9.8405% | 4,399 |
| Core capital (leverage) ratio | 9.7206% | 3,901 |
| Tier 1 risk-based capital ratio | 13.3149% | 4,006 |
| Total risk-based capital ratio | 14.5073% | 3,958 |
| Memoranda: | ||
| Average total assets | $82,986,670 | 4,743 |
| Average earning assets | $77,602,000 | 4,709 |
| Average equity | $8,703,670 | 4,891 |
| Average total loans | $57,115,670 | 4,431 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 1,047 |
| Cost of funding earning assets | 0.5528% | 1,679 |
| Net interest margin | 4.1484% | 1,219 |
| Noninterest income to average assets | 0.1409% | 5,646 |
| Noninterest expense to average assets | 3.9138% | 675 |
| Loan and lease loss provision to assets | 0.0755% | 2,448 |
| Net operating income to assets | 0.0402% | 5,758 |
| Return on assets (ROA) | 0.3069% | 5,368 |
| Pretax return on assets | 0.3069% | 5,495 |
| Return on Equity (ROE) | 2.8272% | 5,288 |
| Retained earnings to average equity (ytd only) | 2.8272% | 4,101 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1286% | 366 |
| Assets per employee ($millions) | 4.2354% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 3,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5508% | 1,296 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 70.9729% | 2,198 |
| Net loans and leases to deposits | 92.7476% | 1,260 |
| Net loans and leases to core deposits | 98.9981% | 1,565 |
| Total domestic deposits to total assets | 76.5226% | 5,360 |
| Equity capital to assets | 10.8136% | 3,151 |
| Core capital (leverage) ratio | 10.3904% | 3,085 |
| Tier 1 risk-based capital ratio | 13.3255% | 4,082 |
| Total risk-based capital ratio | 14.5304% | 4,032 |
| Memoranda: | ||
| Average total assets | $79,513,000 | 4,868 |
| Average earning assets | $74,534,000 | 4,835 |
| Average equity | $8,630,500 | 4,930 |
| Average total loans | $56,935,000 | 4,475 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8013% | 926 |
| Cost of funding earning assets | 0.4747% | 2,401 |
| Net interest margin | 4.3266% | 913 |
| Noninterest income to average assets | 0.1039% | 5,863 |
| Noninterest expense to average assets | 3.9109% | 747 |
| Loan and lease loss provision to assets | 0.0705% | 2,868 |
| Net operating income to assets | 0.8424% | 3,144 |
| Return on assets (ROA) | 0.9001% | 2,945 |
| Pretax return on assets | 0.2590% | 5,601 |
| Return on Equity (ROE) | 8.7058% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.7058% | 729 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5009% | 504 |
| Assets per employee ($millions) | 4.3641% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 3,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5887% | 1,245 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 70.4123% | 2,303 |
| Net loans and leases to deposits | 92.5119% | 1,347 |
| Net loans and leases to core deposits | 98.9941% | 1,593 |
| Total domestic deposits to total assets | 76.1117% | 5,432 |
| Equity capital to assets | 10.8958% | 2,940 |
| Core capital (leverage) ratio | 10.5873% | 2,833 |
| Tier 1 risk-based capital ratio | 13.5326% | 3,991 |
| Total risk-based capital ratio | 14.7414% | 3,949 |
| Memoranda: | ||
| Average total assets | $77,987,600 | 4,913 |
| Average earning assets | $73,522,400 | 4,868 |
| Average equity | $8,063,600 | 5,050 |
| Average total loans | $57,041,200 | 4,462 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7834% | 962 |
| Cost of funding earning assets | 0.4662% | 2,523 |
| Net interest margin | 4.3172% | 931 |
| Noninterest income to average assets | 0.1096% | 5,915 |
| Noninterest expense to average assets | 3.9479% | 702 |
| Loan and lease loss provision to assets | 0.0771% | 2,648 |
| Net operating income to assets | 0.1610% | 5,751 |
| Return on assets (ROA) | 0.2381% | 5,671 |
| Pretax return on assets | 0.2381% | 5,738 |
| Return on Equity (ROE) | 2.3342% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.3342% | 4,720 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3126% | 475 |
| Assets per employee ($millions) | 4.0734% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 3,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6125% | 1,376 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 75.7698% | 1,418 |
| Net loans and leases to deposits | 95.9630% | 1,007 |
| Net loans and leases to core deposits | 107.1929% | 1,029 |
| Total domestic deposits to total assets | 78.9573% | 4,986 |
| Equity capital to assets | 10.4167% | 3,692 |
| Core capital (leverage) ratio | 10.2018% | 3,372 |
| Tier 1 risk-based capital ratio | 12.9343% | 4,463 |
| Total risk-based capital ratio | 14.1000% | 4,437 |
| Memoranda: | ||
| Average total assets | $77,846,250 | 4,969 |
| Average earning assets | $73,503,000 | 4,923 |
| Average equity | $7,939,750 | 5,140 |
| Average total loans | $57,295,000 | 4,491 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 1,101 |
| Cost of funding earning assets | 0.4608% | 2,604 |
| Net interest margin | 4.2255% | 1,057 |
| Noninterest income to average assets | 0.0974% | 6,036 |
| Noninterest expense to average assets | 3.9797% | 691 |
| Loan and lease loss provision to assets | 0.0692% | 2,727 |
| Net operating income to assets | 0.0462% | 5,938 |
| Return on assets (ROA) | 0.1590% | 5,841 |
| Pretax return on assets | 0.1590% | 5,869 |
| Return on Equity (ROE) | 1.5698% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.5698% | 4,917 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1822% | 400 |
| Assets per employee ($millions) | 3.9836% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 3,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5664% | 1,552 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 71.3375% | 2,101 |
| Net loans and leases to deposits | 91.1520% | 1,464 |
| Net loans and leases to core deposits | 103.9486% | 1,194 |
| Total domestic deposits to total assets | 78.2621% | 5,219 |
| Equity capital to assets | 9.9332% | 4,109 |
| Core capital (leverage) ratio | 10.0229% | 3,565 |
| Tier 1 risk-based capital ratio | 12.8435% | 4,599 |
| Total risk-based capital ratio | 13.9844% | 4,580 |
| Memoranda: | ||
| Average total assets | $77,996,670 | 5,018 |
| Average earning assets | $73,789,670 | 4,966 |
| Average equity | $7,899,000 | 5,191 |
| Average total loans | $56,611,000 | 4,554 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 1,046 |
| Cost of funding earning assets | 0.4425% | 2,854 |
| Net interest margin | 4.2500% | 975 |
| Noninterest income to average assets | 0.0985% | 6,093 |
| Noninterest expense to average assets | 3.9555% | 727 |
| Loan and lease loss provision to assets | 0.1400% | 1,467 |
| Net operating income to assets | 0.0363% | 5,972 |
| Return on assets (ROA) | 0.1763% | 5,808 |
| Pretax return on assets | 0.1763% | 5,856 |
| Return on Equity (ROE) | 1.7234% | 5,746 |
| Retained earnings to average equity (ytd only) | 1.7234% | 4,782 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7340% | 515 |
| Assets per employee ($millions) | 4.1196% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 3,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5944% | 1,610 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 71.4240% | 1,912 |
| Net loans and leases to deposits | 85.8624% | 1,849 |
| Net loans and leases to core deposits | 98.2634% | 1,453 |
| Total domestic deposits to total assets | 83.1843% | 4,124 |
| Equity capital to assets | 10.1492% | 3,946 |
| Core capital (leverage) ratio | 10.0625% | 3,520 |
| Tier 1 risk-based capital ratio | 13.6391% | 4,257 |
| Total risk-based capital ratio | 14.8556% | 4,184 |
| Memoranda: | ||
| Average total assets | $77,159,000 | 5,085 |
| Average earning assets | $73,223,000 | 5,021 |
| Average equity | $7,891,500 | 5,237 |
| Average total loans | $56,155,000 | 4,606 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 1,532 |
| Cost of funding earning assets | 0.3755% | 3,967 |
| Net interest margin | 4.2337% | 1,206 |
| Noninterest income to average assets | 0.1347% | 6,019 |
| Noninterest expense to average assets | 4.0728% | 701 |
| Loan and lease loss provision to assets | 0.0113% | 4,402 |
| Net operating income to assets | 0.2041% | 5,753 |
| Return on assets (ROA) | 0.2651% | 5,678 |
| Pretax return on assets | 0.1233% | 5,968 |
| Return on Equity (ROE) | 2.4495% | 5,645 |
| Retained earnings to average equity (ytd only) | 2.4495% | 4,484 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2222% | 418 |
| Assets per employee ($millions) | 4.0024% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 4,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6411% | 1,643 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 72.4009% | 1,848 |
| Net loans and leases to deposits | 84.7150% | 2,136 |
| Net loans and leases to core deposits | 97.0134% | 1,632 |
| Total domestic deposits to total assets | 85.4641% | 3,097 |
| Equity capital to assets | 10.3082% | 3,712 |
| Core capital (leverage) ratio | 10.4366% | 3,013 |
| Tier 1 risk-based capital ratio | 13.9309% | 4,140 |
| Total risk-based capital ratio | 15.1193% | 4,130 |
| Memoranda: | ||
| Average total assets | $70,541,200 | 5,266 |
| Average earning assets | $66,844,400 | 5,206 |
| Average equity | $7,634,200 | 5,287 |
| Average total loans | $50,677,200 | 4,796 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 1,717 |
| Cost of funding earning assets | 0.3566% | 4,273 |
| Net interest margin | 4.1877% | 1,319 |
| Noninterest income to average assets | 0.1465% | 6,041 |
| Noninterest expense to average assets | 4.1079% | 680 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0000% | 6,140 |
| Return on assets (ROA) | 0.0713% | 6,089 |
| Pretax return on assets | 0.0713% | 6,093 |
| Return on Equity (ROE) | 0.6505% | 6,081 |
| Retained earnings to average equity (ytd only) | 0.6505% | 5,609 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 362 |
| Assets per employee ($millions) | 3.9407% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 3,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6641% | 1,820 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 68.7088% | 2,431 |
| Net loans and leases to deposits | 80.3000% | 2,645 |
| Net loans and leases to core deposits | 92.1920% | 2,022 |
| Total domestic deposits to total assets | 85.5651% | 3,087 |
| Equity capital to assets | 10.1758% | 3,962 |
| Core capital (leverage) ratio | 10.9676% | 2,519 |
| Tier 1 risk-based capital ratio | 14.4794% | 3,903 |
| Total risk-based capital ratio | 15.7239% | 3,839 |
| Memoranda: | ||
| Average total assets | $69,165,000 | 5,369 |
| Average earning assets | $65,428,750 | 5,297 |
| Average equity | $7,583,000 | 5,337 |
| Average total loans | $49,417,000 | 4,883 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5869% | 1,566 |
| Cost of funding earning assets | 0.3589% | 4,333 |
| Net interest margin | 4.2280% | 1,186 |
| Noninterest income to average assets | 0.1546% | 6,019 |
| Noninterest expense to average assets | 4.2015% | 598 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0535% | 6,226 |
| Return on assets (ROA) | 0.0565% | 6,150 |
| Pretax return on assets | 0.0565% | 6,143 |
| Return on Equity (ROE) | 0.5019% | 6,151 |
| Retained earnings to average equity (ytd only) | 0.5019% | 5,541 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2903% | 373 |
| Assets per employee ($millions) | 3.9558% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 3,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7485% | 1,861 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 67.8759% | 2,430 |
| Net loans and leases to deposits | 76.2391% | 3,025 |
| Net loans and leases to core deposits | 86.6116% | 2,459 |
| Total domestic deposits to total assets | 89.0303% | 1,334 |
| Equity capital to assets | 10.7169% | 3,184 |
| Core capital (leverage) ratio | 11.3833% | 2,094 |
| Tier 1 risk-based capital ratio | 15.2532% | 3,494 |
| Total risk-based capital ratio | 16.5040% | 3,442 |
| Memoranda: | ||
| Average total assets | $67,262,000 | 5,467 |
| Average earning assets | $63,529,330 | 5,402 |
| Average equity | $7,571,000 | 5,373 |
| Average total loans | $48,523,670 | 4,949 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6088% | 1,483 |
| Cost of funding earning assets | 0.3500% | 4,541 |
| Net interest margin | 4.2588% | 1,084 |
| Noninterest income to average assets | 0.1654% | 5,987 |
| Noninterest expense to average assets | 4.2150% | 596 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0245% | 6,232 |
| Return on assets (ROA) | 0.0490% | 6,150 |
| Pretax return on assets | 0.0490% | 6,156 |
| Return on Equity (ROE) | 0.4243% | 6,158 |
| Retained earnings to average equity (ytd only) | 0.4243% | 5,407 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5848% | 449 |
| Assets per employee ($millions) | 3.4697% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 4,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0554% | 1,646 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 73.9230% | 1,279 |
| Net loans and leases to deposits | 83.7538% | 1,846 |
| Net loans and leases to core deposits | 95.8933% | 1,390 |
| Total domestic deposits to total assets | 88.2622% | 2,075 |
| Equity capital to assets | 11.4799% | 2,267 |
| Core capital (leverage) ratio | 11.6661% | 1,854 |
| Tier 1 risk-based capital ratio | 15.2027% | 3,612 |
| Total risk-based capital ratio | 16.4536% | 3,566 |
| Memoranda: | ||
| Average total assets | $65,290,500 | 5,585 |
| Average earning assets | $61,707,500 | 5,517 |
| Average equity | $7,541,000 | 5,412 |
| Average total loans | $48,294,000 | 4,995 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 2,439 |
| Cost of funding earning assets | 0.4482% | 4,135 |
| Net interest margin | 3.9896% | 1,977 |
| Noninterest income to average assets | 0.3565% | 4,748 |
| Noninterest expense to average assets | 4.4154% | 564 |
| Loan and lease loss provision to assets | 0.0129% | 4,863 |
| Net operating income to assets | -0.3097% | 6,419 |
| Return on assets (ROA) | -0.3081% | 6,439 |
| Pretax return on assets | -0.3081% | 6,416 |
| Return on Equity (ROE) | -2.5105% | 6,399 |
| Retained earnings to average equity (ytd only) | -2.5105% | 6,221 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2072% | 315 |
| Assets per employee ($millions) | 3.4030% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 3,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1096% | 1,696 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 71.9968% | 1,678 |
| Net loans and leases to deposits | 83.2606% | 2,027 |
| Net loans and leases to core deposits | 97.5953% | 1,340 |
| Total domestic deposits to total assets | 86.4717% | 3,011 |
| Equity capital to assets | 11.6213% | 2,085 |
| Core capital (leverage) ratio | 11.9831% | 1,621 |
| Tier 1 risk-based capital ratio | 15.9700% | 3,105 |
| Total risk-based capital ratio | 17.2211% | 3,066 |
| Memoranda: | ||
| Average total assets | $61,987,800 | 5,704 |
| Average earning assets | $58,452,400 | 5,644 |
| Average equity | $7,608,000 | 5,434 |
| Average total loans | $43,757,400 | 5,205 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 2,671 |
| Cost of funding earning assets | 0.4823% | 3,941 |
| Net interest margin | 3.8934% | 2,301 |
| Noninterest income to average assets | 0.2696% | 5,523 |
| Noninterest expense to average assets | 4.3986% | 579 |
| Loan and lease loss provision to assets | 0.0174% | 4,665 |
| Net operating income to assets | -0.4784% | 6,589 |
| Return on assets (ROA) | -0.4762% | 6,602 |
| Pretax return on assets | -0.4762% | 6,589 |
| Return on Equity (ROE) | -3.8261% | 6,564 |
| Retained earnings to average equity (ytd only) | -3.8261% | 6,429 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7062% | 243 |
| Assets per employee ($millions) | 3.4475% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 3,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1981% | 1,809 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 69.8848% | 1,992 |
| Net loans and leases to deposits | 80.1342% | 2,389 |
| Net loans and leases to core deposits | 86.0764% | 2,398 |
| Total domestic deposits to total assets | 87.2097% | 2,562 |
| Equity capital to assets | 12.1553% | 1,819 |
| Core capital (leverage) ratio | 11.9070% | 1,730 |
| Tier 1 risk-based capital ratio | 16.6743% | 2,870 |
| Total risk-based capital ratio | 17.9274% | 2,829 |
| Memoranda: | ||
| Average total assets | $61,320,500 | 5,784 |
| Average earning assets | $57,771,750 | 5,722 |
| Average equity | $7,631,500 | 5,488 |
| Average total loans | $42,896,000 | 5,280 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 3,156 |
| Cost of funding earning assets | 0.5229% | 3,678 |
| Net interest margin | 3.7261% | 2,867 |
| Noninterest income to average assets | 0.2882% | 5,390 |
| Noninterest expense to average assets | 4.5223% | 514 |
| Loan and lease loss provision to assets | 0.0262% | 4,394 |
| Net operating income to assets | -0.7368% | 6,703 |
| Return on assets (ROA) | -0.7335% | 6,712 |
| Pretax return on assets | -0.7335% | 6,694 |
| Return on Equity (ROE) | -5.8478% | 6,654 |
| Retained earnings to average equity (ytd only) | -5.8478% | 6,506 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.6426% | 194 |
| Assets per employee ($millions) | 3.6087% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 3,687 |
| Loan loss allowance to noncurrent loans | 47.8006% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 2.0999% | 2,054 |
| Noncurrent loans to loans | 3.0902% | 1,431 |
| Net loans and leases to total assets | 66.9474% | 2,422 |
| Net loans and leases to deposits | 75.9625% | 2,883 |
| Net loans and leases to core deposits | 84.4605% | 2,496 |
| Total domestic deposits to total assets | 88.1321% | 2,150 |
| Equity capital to assets | 11.5153% | 2,274 |
| Core capital (leverage) ratio | 12.3789% | 1,417 |
| Tier 1 risk-based capital ratio | 17.1465% | 2,657 |
| Total risk-based capital ratio | 18.3998% | 2,631 |
| Memoranda: | ||
| Average total assets | $61,075,670 | 5,835 |
| Average earning assets | $57,754,000 | 5,754 |
| Average equity | $7,661,000 | 5,523 |
| Average total loans | $42,521,670 | 5,317 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 3,066 |
| Cost of funding earning assets | 0.6011% | 3,100 |
| Net interest margin | 3.6569% | 3,049 |
| Noninterest income to average assets | 0.3585% | 4,800 |
| Noninterest expense to average assets | 4.7079% | 451 |
| Loan and lease loss provision to assets | 0.0135% | 4,282 |
| Net operating income to assets | -0.9064% | 6,786 |
| Return on assets (ROA) | -0.9064% | 6,800 |
| Pretax return on assets | -0.9064% | 6,782 |
| Return on Equity (ROE) | -6.9148% | 6,741 |
| Retained earnings to average equity (ytd only) | -6.9148% | 6,469 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.4043% | 191 |
| Assets per employee ($millions) | 3.3436% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 3,617 |
| Loan loss allowance to noncurrent loans | 47.3607% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 2.2663% | 2,059 |
| Noncurrent loans to loans | 3.2730% | 1,485 |
| Net loans and leases to total assets | 68.1698% | 1,976 |
| Net loans and leases to deposits | 78.4399% | 2,283 |
| Net loans and leases to core deposits | 80.3588% | 2,769 |
| Total domestic deposits to total assets | 86.9070% | 3,014 |
| Equity capital to assets | 12.7706% | 1,549 |
| Core capital (leverage) ratio | 12.7986% | 1,194 |
| Tier 1 risk-based capital ratio | 18.7578% | 2,107 |
| Total risk-based capital ratio | 20.0127% | 2,082 |
| Memoranda: | ||
| Average total assets | $59,135,000 | 5,925 |
| Average earning assets | $55,894,000 | 5,852 |
| Average equity | $7,751,500 | 5,564 |
| Average total loans | $41,713,000 | 5,388 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 1,902 |
| Cost of funding earning assets | 0.7394% | 3,166 |
| Net interest margin | 4.1422% | 1,848 |
| Noninterest income to average assets | 0.3636% | 4,879 |
| Noninterest expense to average assets | 4.5824% | 530 |
| Loan and lease loss provision to assets | 0.0072% | 5,833 |
| Net operating income to assets | -0.4052% | 6,518 |
| Return on assets (ROA) | -0.0850% | 6,375 |
| Pretax return on assets | -0.0850% | 6,353 |
| Return on Equity (ROE) | -0.6783% | 6,365 |
| Retained earnings to average equity (ytd only) | -0.6783% | 5,971 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5115% | 339 |
| Assets per employee ($millions) | 3.2269% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 3,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 70.7721% | 1,687 |
| Net loans and leases to deposits | 82.0765% | 1,988 |
| Net loans and leases to core deposits | 83.4782% | 2,609 |
| Total domestic deposits to total assets | 86.2271% | 3,238 |
| Equity capital to assets | 13.4579% | 1,246 |
| Core capital (leverage) ratio | 14.1936% | 746 |
| Tier 1 risk-based capital ratio | 19.2760% | 1,874 |
| Total risk-based capital ratio | 20.5312% | 1,848 |
| Memoranda: | ||
| Average total assets | $55,276,800 | 6,040 |
| Average earning assets | $50,987,000 | 6,010 |
| Average equity | $6,928,600 | 5,785 |
| Average total loans | $38,049,400 | 5,588 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9047% | 1,994 |
| Cost of funding earning assets | 0.7636% | 3,241 |
| Net interest margin | 4.1411% | 1,936 |
| Noninterest income to average assets | 0.2712% | 5,617 |
| Noninterest expense to average assets | 4.6345% | 484 |
| Loan and lease loss provision to assets | 0.0073% | 5,715 |
| Net operating income to assets | -0.5815% | 6,734 |
| Return on assets (ROA) | -0.1490% | 6,532 |
| Pretax return on assets | -0.1490% | 6,514 |
| Return on Equity (ROE) | -1.2127% | 6,517 |
| Retained earnings to average equity (ytd only) | -1.2127% | 6,297 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.1396% | 242 |
| Assets per employee ($millions) | 3.0373% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 3,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 74.3557% | 1,195 |
| Net loans and leases to deposits | 84.9746% | 1,731 |
| Net loans and leases to core deposits | 86.5025% | 2,398 |
| Total domestic deposits to total assets | 87.5034% | 2,348 |
| Equity capital to assets | 12.1673% | 2,137 |
| Core capital (leverage) ratio | 11.9531% | 1,682 |
| Tier 1 risk-based capital ratio | 16.4543% | 3,029 |
| Total risk-based capital ratio | 17.7085% | 2,990 |
| Memoranda: | ||
| Average total assets | $54,574,750 | 6,135 |
| Average earning assets | $49,937,250 | 6,118 |
| Average equity | $6,706,500 | 5,910 |
| Average total loans | $37,123,750 | 5,698 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8469% | 2,318 |
| Cost of funding earning assets | 0.7598% | 3,519 |
| Net interest margin | 4.0871% | 2,142 |
| Noninterest income to average assets | 0.2640% | 5,693 |
| Noninterest expense to average assets | 4.4662% | 571 |
| Loan and lease loss provision to assets | 0.0073% | 5,564 |
| Net operating income to assets | -0.4620% | 6,715 |
| Return on assets (ROA) | -0.2677% | 6,657 |
| Pretax return on assets | -0.2677% | 6,621 |
| Return on Equity (ROE) | -2.1711% | 6,631 |
| Retained earnings to average equity (ytd only) | -2.1711% | 6,380 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3346% | 313 |
| Assets per employee ($millions) | 3.1502% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7420% | 3,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 63.8643% | 3,068 |
| Net loans and leases to deposits | 72.6614% | 3,505 |
| Net loans and leases to core deposits | 73.6546% | 4,074 |
| Total domestic deposits to total assets | 87.8931% | 2,217 |
| Equity capital to assets | 11.8636% | 2,254 |
| Core capital (leverage) ratio | 11.5774% | 1,853 |
| Tier 1 risk-based capital ratio | 17.7103% | 2,395 |
| Total risk-based capital ratio | 18.9663% | 2,357 |
| Memoranda: | ||
| Average total assets | $54,542,670 | 6,173 |
| Average earning assets | $50,011,330 | 6,158 |
| Average equity | $6,724,670 | 5,922 |
| Average total loans | $35,733,670 | 5,800 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 3,080 |
| Cost of funding earning assets | 0.7439% | 3,911 |
| Net interest margin | 3.9486% | 2,724 |
| Noninterest income to average assets | 0.1347% | 6,579 |
| Noninterest expense to average assets | 4.0776% | 851 |
| Loan and lease loss provision to assets | 0.0075% | 5,189 |
| Net operating income to assets | -0.3367% | 6,726 |
| Return on assets (ROA) | -0.3367% | 6,766 |
| Pretax return on assets | -0.3367% | 6,749 |
| Return on Equity (ROE) | -2.6772% | 6,736 |
| Retained earnings to average equity (ytd only) | -2.6772% | 6,360 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7824% | 357 |
| Assets per employee ($millions) | 3.0402% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7511% | 3,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 65.7219% | 2,519 |
| Net loans and leases to deposits | 75.0490% | 2,966 |
| Net loans and leases to core deposits | 76.1245% | 3,601 |
| Total domestic deposits to total assets | 87.5720% | 2,607 |
| Equity capital to assets | 12.2142% | 1,905 |
| Core capital (leverage) ratio | 13.0385% | 1,117 |
| Tier 1 risk-based capital ratio | 18.4730% | 2,153 |
| Total risk-based capital ratio | 19.7307% | 2,123 |
| Memoranda: | ||
| Average total assets | $53,462,500 | 6,247 |
| Average earning assets | $48,928,500 | 6,242 |
| Average equity | $6,723,500 | 5,957 |
| Average total loans | $35,173,000 | 5,863 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3920% | 5,456 |
| Cost of funding earning assets | 0.8744% | 4,294 |
| Net interest margin | 3.5176% | 5,084 |
| Noninterest income to average assets | 0.1413% | 6,443 |
| Noninterest expense to average assets | 4.9335% | 397 |
| Loan and lease loss provision to assets | 0.3873% | 2,668 |
| Net operating income to assets | -1.9528% | 7,020 |
| Return on assets (ROA) | -0.9728% | 6,758 |
| Pretax return on assets | -0.9728% | 6,721 |
| Return on Equity (ROE) | -7.6079% | 6,661 |
| Retained earnings to average equity (ytd only) | -7.6079% | 6,604 |
| Net charge-offs to loans | 0.0035% | 6,402 |
| Credit loss provision to net charge-offs | 21,100.0000% | 6 |
| Earnings coverage of net charge-offs (x) | -853.0000% | 6,438 |
| Efficiency ratio | 146.4850% | 155 |
| Assets per employee ($millions) | 2.7475% | 6,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8969% | 2,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 63.4075% | 3,307 |
| Net loans and leases to deposits | 73.2495% | 3,627 |
| Net loans and leases to core deposits | 79.1317% | 3,563 |
| Total domestic deposits to total assets | 86.5637% | 3,004 |
| Equity capital to assets | 12.9554% | 1,511 |
| Core capital (leverage) ratio | 11.9802% | 1,607 |
| Tier 1 risk-based capital ratio | 20.7903% | 1,460 |
| Total risk-based capital ratio | 22.0510% | 1,432 |
| Memoranda: | ||
| Average total assets | $54,484,600 | 6,213 |
| Average earning assets | $49,977,800 | 6,191 |
| Average equity | $6,966,400 | 5,873 |
| Average total loans | $28,830,000 | 6,209 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 5,733 |
| Cost of funding earning assets | 0.8809% | 4,544 |
| Net interest margin | 3.4812% | 5,262 |
| Noninterest income to average assets | 0.1332% | 6,588 |
| Noninterest expense to average assets | 5.0251% | 362 |
| Loan and lease loss provision to assets | 0.5013% | 1,974 |
| Net operating income to assets | -2.1965% | 7,173 |
| Return on assets (ROA) | -1.3344% | 7,016 |
| Pretax return on assets | -1.3344% | 6,975 |
| Return on Equity (ROE) | -10.4692% | 6,905 |
| Retained earnings to average equity (ytd only) | -10.4692% | 6,871 |
| Net charge-offs to loans | 0.0048% | 6,120 |
| Credit loss provision to net charge-offs | 20,700.0000% | 7 |
| Earnings coverage of net charge-offs (x) | -701.7368% | 6,184 |
| Efficiency ratio | 150.9091% | 136 |
| Assets per employee ($millions) | 3.0934% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9809% | 2,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 53.5449% | 5,235 |
| Net loans and leases to deposits | 61.1337% | 5,498 |
| Net loans and leases to core deposits | 65.7591% | 5,438 |
| Total domestic deposits to total assets | 87.5866% | 2,301 |
| Equity capital to assets | 11.8588% | 2,368 |
| Core capital (leverage) ratio | 11.7800% | 1,838 |
| Tier 1 risk-based capital ratio | 20.3332% | 1,607 |
| Total risk-based capital ratio | 21.5904% | 1,574 |
| Memoranda: | ||
| Average total assets | $55,055,250 | 6,243 |
| Average earning assets | $50,555,500 | 6,219 |
| Average equity | $7,017,250 | 5,895 |
| Average total loans | $27,602,500 | 6,324 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3981% | 5,700 |
| Cost of funding earning assets | 0.8999% | 4,671 |
| Net interest margin | 3.4982% | 5,176 |
| Noninterest income to average assets | 0.1003% | 6,821 |
| Noninterest expense to average assets | 5.1138% | 338 |
| Loan and lease loss provision to assets | 0.7247% | 1,291 |
| Net operating income to assets | -2.5309% | 7,266 |
| Return on assets (ROA) | -2.0738% | 7,210 |
| Pretax return on assets | -2.0738% | 7,178 |
| Return on Equity (ROE) | -15.8681% | 7,083 |
| Retained earnings to average equity (ytd only) | -15.8681% | 7,058 |
| Net charge-offs to loans | 0.0077% | 5,754 |
| Credit loss provision to net charge-offs | 19,500.0000% | 14 |
| Earnings coverage of net charge-offs (x) | -486.0000% | 5,874 |
| Efficiency ratio | 154.6067% | 136 |
| Assets per employee ($millions) | 3.1214% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0825% | 2,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 49.4722% | 5,889 |
| Net loans and leases to deposits | 56.3613% | 6,103 |
| Net loans and leases to core deposits | 64.2604% | 5,698 |
| Total domestic deposits to total assets | 87.7770% | 2,293 |
| Equity capital to assets | 11.6868% | 2,335 |
| Core capital (leverage) ratio | 11.3545% | 2,010 |
| Tier 1 risk-based capital ratio | 19.2719% | 1,764 |
| Total risk-based capital ratio | 20.5104% | 1,738 |
| Memoranda: | ||
| Average total assets | $53,815,330 | 6,336 |
| Average earning assets | $49,339,330 | 6,322 |
| Average equity | $7,033,000 | 5,916 |
| Average total loans | $26,101,000 | 6,475 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 6,187 |
| Cost of funding earning assets | 0.9092% | 4,855 |
| Net interest margin | 3.3280% | 5,685 |
| Noninterest income to average assets | 0.1253% | 6,791 |
| Noninterest expense to average assets | 4.8796% | 405 |
| Loan and lease loss provision to assets | 0.8224% | 1,014 |
| Net operating income to assets | -2.5377% | 7,346 |
| Return on assets (ROA) | -2.5377% | 7,345 |
| Pretax return on assets | -2.5377% | 7,330 |
| Return on Equity (ROE) | -18.2947% | 7,197 |
| Retained earnings to average equity (ytd only) | -18.2947% | 7,126 |
| Net charge-offs to loans | 0.0165% | 4,848 |
| Credit loss provision to net charge-offs | 10,500.0000% | 22 |
| Earnings coverage of net charge-offs (x) | -219.0000% | 5,102 |
| Efficiency ratio | 154.2079% | 144 |
| Assets per employee ($millions) | 3.7821% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1555% | 2,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 40.0568% | 6,774 |
| Net loans and leases to deposits | 45.4563% | 6,887 |
| Net loans and leases to core deposits | 51.6492% | 6,701 |
| Total domestic deposits to total assets | 88.1218% | 2,302 |
| Equity capital to assets | 11.4569% | 2,307 |
| Core capital (leverage) ratio | 12.6628% | 1,262 |
| Tier 1 risk-based capital ratio | 23.4860% | 1,027 |
| Total risk-based capital ratio | 24.7434% | 1,010 |
| Memoranda: | ||
| Average total assets | $51,070,000 | 6,497 |
| Average earning assets | $46,635,000 | 6,470 |
| Average equity | $7,084,000 | 5,903 |
| Average total loans | $24,169,500 | 6,637 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 7,263 |
| Cost of funding earning assets | 1.1232% | 5,009 |
| Net interest margin | 2.6577% | 7,165 |
| Noninterest income to average assets | 0.2023% | 6,337 |
| Noninterest expense to average assets | 7.4353% | 134 |
| Loan and lease loss provision to assets | 1.0675% | 1,503 |
| Net operating income to assets | -5.9881% | 7,583 |
| Return on assets (ROA) | -5.9881% | 7,587 |
| Pretax return on assets | -5.9881% | 7,585 |
| Return on Equity (ROE) | -23.5576% | 7,101 |
| Retained earnings to average equity (ytd only) | -23.5576% | 7,079 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 295.6683% | 28 |
| Assets per employee ($millions) | 2.6016% | 6,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8247% | 2,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 55.5782% | 5,403 |
| Net loans and leases to deposits | 67.7909% | 5,131 |
| Net loans and leases to core deposits | 73.0640% | 5,088 |
| Total domestic deposits to total assets | 81.9848% | 5,193 |
| Equity capital to assets | 17.3810% | 414 |
| Core capital (leverage) ratio | 18.8112% | 288 |
| Tier 1 risk-based capital ratio | 28.9924% | 545 |
| Total risk-based capital ratio | 30.2489% | 535 |
| Memoranda: | ||
| Average total assets | $32,130,600 | 7,143 |
| Average earning assets | $27,956,800 | 7,163 |
| Average equity | $8,167,200 | 5,663 |
| Average total loans | $14,414,800 | 7,194 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6365% | 7,479 |
| Cost of funding earning assets | 1.1861% | 4,936 |
| Net interest margin | 2.4503% | 7,403 |
| Noninterest income to average assets | 0.1434% | 6,830 |
| Noninterest expense to average assets | 7.3528% | 131 |
| Loan and lease loss provision to assets | 0.8110% | 1,868 |
| Net operating income to assets | -5.9100% | 7,691 |
| Return on assets (ROA) | -5.9100% | 7,693 |
| Pretax return on assets | -5.9100% | 7,686 |
| Return on Equity (ROE) | -20.9353% | 7,242 |
| Retained earnings to average equity (ytd only) | -20.9353% | 7,228 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 326.2425% | 22 |
| Assets per employee ($millions) | 2.4387% | 7,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 4,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 48.6304% | 6,466 |
| Net loans and leases to deposits | 62.0929% | 6,107 |
| Net loans and leases to core deposits | 65.5429% | 6,159 |
| Total domestic deposits to total assets | 78.3188% | 6,194 |
| Equity capital to assets | 21.4571% | 210 |
| Core capital (leverage) ratio | 21.1545% | 202 |
| Tier 1 risk-based capital ratio | 38.3952% | 280 |
| Total risk-based capital ratio | 39.6463% | 276 |
| Memoranda: | ||
| Average total assets | $29,756,750 | 7,303 |
| Average earning assets | $25,628,500 | 7,331 |
| Average equity | $8,400,250 | 5,658 |
| Average total loans | $12,127,250 | 7,394 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2876% | 7,662 |
| Cost of funding earning assets | 1.1357% | 5,481 |
| Net interest margin | 2.1519% | 7,601 |
| Noninterest income to average assets | 0.0655% | 7,254 |
| Noninterest expense to average assets | 7.9324% | 117 |
| Loan and lease loss provision to assets | 0.8733% | 1,667 |
| Net operating income to assets | -6.9063% | 7,769 |
| Return on assets (ROA) | -6.9063% | 7,771 |
| Pretax return on assets | -6.9063% | 7,756 |
| Return on Equity (ROE) | -22.1109% | 7,322 |
| Retained earnings to average equity (ytd only) | -22.1109% | 7,306 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 417.6245% | 20 |
| Assets per employee ($millions) | 2.2419% | 7,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 4,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 42.3236% | 7,023 |
| Net loans and leases to deposits | 56.1150% | 6,720 |
| Net loans and leases to core deposits | 56.6803% | 6,902 |
| Total domestic deposits to total assets | 75.4230% | 6,790 |
| Equity capital to assets | 24.3540% | 142 |
| Core capital (leverage) ratio | 26.6092% | 115 |
| Tier 1 risk-based capital ratio | 47.1500% | 170 |
| Total risk-based capital ratio | 48.3479% | 171 |
| Memoranda: | ||
| Average total assets | $27,482,330 | 7,430 |
| Average earning assets | $23,421,000 | 7,455 |
| Average equity | $8,584,000 | 5,613 |
| Average total loans | $10,150,670 | 7,548 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0289% | 7,802 |
| Cost of funding earning assets | 1.1383% | 5,716 |
| Net interest margin | 1.8907% | 7,757 |
| Noninterest income to average assets | 0.0328% | 7,545 |
| Noninterest expense to average assets | 9.0458% | 96 |
| Loan and lease loss provision to assets | 1.4749% | 796 |
| Net operating income to assets | -8.8820% | 7,878 |
| Return on assets (ROA) | -8.8820% | 7,881 |
| Pretax return on assets | -8.8820% | 7,874 |
| Return on Equity (ROE) | -24.6897% | 7,497 |
| Retained earnings to average equity (ytd only) | -24.6897% | 7,453 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 552.0000% | 14 |
| Assets per employee ($millions) | 1.8817% | 7,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9508% | 2,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 31.5170% | 7,580 |
| Net loans and leases to deposits | 45.3092% | 7,357 |
| Net loans and leases to core deposits | 45.8983% | 7,435 |
| Total domestic deposits to total assets | 69.5600% | 7,435 |
| Equity capital to assets | 30.2416% | 80 |
| Core capital (leverage) ratio | 34.0566% | 68 |
| Tier 1 risk-based capital ratio | 69.6354% | 85 |
| Total risk-based capital ratio | 70.9648% | 84 |
| Memoranda: | ||
| Average total assets | $24,409,000 | 7,609 |
| Average earning assets | $20,733,500 | 7,630 |
| Average equity | $8,781,000 | 5,597 |
| Average total loans | $8,006,000 | 7,728 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0107% | 7,971 |
| Cost of funding earning assets | 0.4665% | 7,854 |
| Net interest margin | 0.5442% | 7,966 |
| Noninterest income to average assets | 0.0696% | 7,403 |
| Noninterest expense to average assets | 16.9184% | 53 |
| Loan and lease loss provision to assets | 0.5507% | 3,617 |
| Net operating income to assets | -16.9564% | 8,000 |
| Return on assets (ROA) | -16.9564% | 8,000 |
| Pretax return on assets | -16.9564% | 8,001 |
| Return on Equity (ROE) | -28.3312% | 7,371 |
| Retained earnings to average equity (ytd only) | -28.3312% | 7,352 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3,300.0000% | 4 |
| Assets per employee ($millions) | 1.5840% | 7,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 5,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 33.2751% | 7,620 |
| Net loans and leases to deposits | 59.4430% | 6,672 |
| Net loans and leases to core deposits | 68.3287% | 6,860 |
| Total domestic deposits to total assets | 55.9780% | 7,854 |
| Equity capital to assets | 43.8326% | 58 |
| Core capital (leverage) ratio | 48.2566% | 49 |
| Tier 1 risk-based capital ratio | 68.6015% | 91 |
| Total risk-based capital ratio | 69.2599% | 91 |
| Memoranda: | ||
| Average total assets | $15,799,330 | 7,878 |
| Average earning assets | $12,863,000 | 7,900 |
| Average equity | $9,456,000 | 5,459 |
| Average total loans | $2,784,670 | 7,940 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4452% | 8,079 |
| Cost of funding earning assets | 0.3307% | 7,990 |
| Net interest margin | 0.1145% | 8,085 |
| Noninterest income to average assets | 0.0199% | 7,771 |
| Noninterest expense to average assets | 21.6165% | 48 |
| Loan and lease loss provision to assets | 0.1791% | 5,571 |
| Net operating income to assets | -21.6861% | 8,090 |
| Return on assets (ROA) | -21.6861% | 8,089 |
| Pretax return on assets | -21.6861% | 8,089 |
| Return on Equity (ROE) | -30.0547% | 7,609 |
| Retained earnings to average equity (ytd only) | -30.0547% | 7,596 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19,754.5455% | 2 |
| Assets per employee ($millions) | 1.3843% | 8,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 4,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 9.1745% | 8,020 |
| Net loans and leases to deposits | 25.0628% | 7,957 |
| Net loans and leases to core deposits | 30.5355% | 7,950 |
| Total domestic deposits to total assets | 36.6060% | 8,021 |
| Equity capital to assets | 62.7372% | 43 |
| Core capital (leverage) ratio | 68.0316% | 37 |
| Tier 1 risk-based capital ratio | 187.4608% | 38 |
| Total risk-based capital ratio | 187.8140% | 38 |
| Memoranda: | ||
| Average total assets | $13,403,000 | 8,007 |
| Average earning assets | $10,483,500 | 8,016 |
| Average equity | $9,671,000 | 5,436 |
| Average total loans | $707,500 | 8,039 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1154% | 8,190 |
| Cost of funding earning assets | 0.2308% | 8,120 |
| Net interest margin | -0.1154% | 8,185 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 29.4671% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -29.5535% | 8,186 |
| Return on assets (ROA) | -29.5535% | 8,185 |
| Pretax return on assets | -29.5535% | 8,185 |
| Return on Equity (ROE) | -34.9576% | 7,786 |
| Retained earnings to average equity (ytd only) | -34.9576% | 7,766 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -34,120.0000% | 8,194 |
| Assets per employee ($millions) | 1.2866% | 8,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 13.7663% | 8,147 |
| Equity capital to assets | 84.5410% | 23 |
| Core capital (leverage) ratio | 95.0388% | 6 |
| Tier 1 risk-based capital ratio | 84.5410% | 77 |
| Total risk-based capital ratio | 84.5410% | 78 |
| Memoranda: | ||
| Average total assets | $11,579,000 | 8,124 |
| Average earning assets | $8,665,000 | 8,134 |
| Average equity | $9,789,000 | 5,423 |
| Average total loans | NA | NA |