Home > Native American Bank > Performance and Condition Ratios
Native American Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6234% | 1,010 |
| Cost of funding earning assets | 0.8259% | 3,671 |
| Net interest margin | 4.7975% | 419 |
| Noninterest income to average assets | 2.6100% | 209 |
| Noninterest expense to average assets | 3.5440% | 552 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 2.7337% | 201 |
| Return on assets (ROA) | 2.7337% | 200 |
| Pretax return on assets | 3.3404% | 160 |
| Return on Equity (ROE) | 21.5200% | 500 |
| Retained earnings to average equity (ytd only) | 21.5233% | 113 |
| Net charge-offs to loans | -0.0327% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.5993% | 3,938 |
| Assets per employee ($millions) | 7.3922% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 3,607 |
| Loan loss allowance to noncurrent loans | 27.8263% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.7090% | 201 |
| Noncurrent loans to loans | 3.3441% | 124 |
| Net loans and leases to total assets | 50.6300% | 3,556 |
| Net loans and leases to deposits | 58.0894% | 3,631 |
| Net loans and leases to core deposits | 65.6556% | 3,510 |
| Total domestic deposits to total assets | 87.1600% | 1,625 |
| Equity capital to assets | 11.8218% | 1,197 |
| Core capital (leverage) ratio | 13.7732% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $240,630,400 | 2,732 |
| Average earning assets | $220,595,000 | 2,735 |
| Average equity | $30,562,200 | 2,242 |
| Average total loans | $134,493,600 | 2,818 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6388% | 866 |
| Cost of funding earning assets | 0.8149% | 3,484 |
| Net interest margin | 4.8238% | 399 |
| Noninterest income to average assets | 3.4800% | 172 |
| Noninterest expense to average assets | 3.6470% | 466 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 3.4540% | 138 |
| Return on assets (ROA) | 3.4540% | 137 |
| Pretax return on assets | 4.2002% | 123 |
| Return on Equity (ROE) | 26.6100% | 323 |
| Retained earnings to average equity (ytd only) | 26.6146% | 121 |
| Net charge-offs to loans | -0.0335% | 4,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.2585% | 4,120 |
| Assets per employee ($millions) | 6.1293% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 3,381 |
| Loan loss allowance to noncurrent loans | 51.7175% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.1124% | 424 |
| Noncurrent loans to loans | 1.9302% | 326 |
| Net loans and leases to total assets | 57.0600% | 3,111 |
| Net loans and leases to deposits | 67.2908% | 3,033 |
| Net loans and leases to core deposits | 80.0376% | 2,598 |
| Total domestic deposits to total assets | 84.7900% | 2,564 |
| Equity capital to assets | 14.0416% | 645 |
| Core capital (leverage) ratio | 15.2766% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $228,713,750 | 2,807 |
| Average earning assets | $208,763,250 | 2,824 |
| Average equity | $29,682,250 | 2,263 |
| Average total loans | $131,283,500 | 2,853 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6903% | 650 |
| Cost of funding earning assets | 0.7489% | 3,351 |
| Net interest margin | 4.9413% | 334 |
| Noninterest income to average assets | 4.6800% | 130 |
| Noninterest expense to average assets | 3.5906% | 480 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 4.2268% | 90 |
| Return on assets (ROA) | 4.2268% | 91 |
| Pretax return on assets | 5.5747% | 80 |
| Return on Equity (ROE) | 33.5100% | 166 |
| Retained earnings to average equity (ytd only) | 33.5069% | 69 |
| Net charge-offs to loans | -0.0353% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 39.0526% | 4,418 |
| Assets per employee ($millions) | 5.5767% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 3,347 |
| Loan loss allowance to noncurrent loans | 341.9437% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 2,324 |
| Noncurrent loans to loans | 0.2980% | 2,070 |
| Net loans and leases to total assets | 58.2100% | 2,945 |
| Net loans and leases to deposits | 68.7391% | 2,877 |
| Net loans and leases to core deposits | 81.8781% | 2,346 |
| Total domestic deposits to total assets | 84.6900% | 2,627 |
| Equity capital to assets | 14.3065% | 602 |
| Core capital (leverage) ratio | 14.7534% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $227,313,333 | 2,825 |
| Average earning assets | $207,758,000 | 2,841 |
| Average equity | $28,674,667 | 2,324 |
| Average total loans | $130,300,667 | 2,860 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 1,303 |
| Cost of funding earning assets | 0.6471% | 3,232 |
| Net interest margin | 4.3136% | 785 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 3.3595% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7723% | 3,290 |
| Return on assets (ROA) | 0.7723% | 3,243 |
| Pretax return on assets | 0.9780% | 3,060 |
| Return on Equity (ROE) | 6.5500% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.5495% | 2,627 |
| Net charge-offs to loans | -0.0308% | 4,230 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.4518% | 1,051 |
| Assets per employee ($millions) | 6.4352% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 3,746 |
| Loan loss allowance to noncurrent loans | 84.8958% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 747 |
| Noncurrent loans to loans | 1.1096% | 641 |
| Net loans and leases to total assets | 59.1900% | 2,751 |
| Net loans and leases to deposits | 67.9616% | 2,769 |
| Net loans and leases to core deposits | 79.6441% | 2,279 |
| Total domestic deposits to total assets | 87.0900% | 2,230 |
| Equity capital to assets | 12.0798% | 975 |
| Core capital (leverage) ratio | 12.5725% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $229,436,500 | 2,846 |
| Average earning assets | $212,630,500 | 2,842 |
| Average equity | $27,055,500 | 2,434 |
| Average total loans | $129,856,000 | 2,892 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 474 |
| Cost of funding earning assets | 0.5414% | 1,150 |
| Net interest margin | 4.2015% | 537 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.4519% | 511 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.5800% | 3,923 |
| Return on assets (ROA) | 0.5800% | 3,888 |
| Pretax return on assets | 0.7596% | 3,720 |
| Return on Equity (ROE) | 5.1700% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.1692% | 2,977 |
| Net charge-offs to loans | -0.0313% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.1241% | 645 |
| Assets per employee ($millions) | 6.3113% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 3,054 |
| Loan loss allowance to noncurrent loans | 209.3851% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 1,797 |
| Noncurrent loans to loans | 0.5095% | 1,428 |
| Net loans and leases to total assets | 52.8100% | 3,297 |
| Net loans and leases to deposits | 61.7994% | 3,213 |
| Net loans and leases to core deposits | 70.0503% | 2,865 |
| Total domestic deposits to total assets | 85.4600% | 2,870 |
| Equity capital to assets | 11.4988% | 1,087 |
| Core capital (leverage) ratio | 11.4055% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $206,551,000 | 3,002 |
| Average earning assets | $190,072,800 | 3,000 |
| Average equity | $23,175,600 | 2,688 |
| Average total loans | $124,669,800 | 2,883 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5851% | 432 |
| Cost of funding earning assets | 0.5245% | 662 |
| Net interest margin | 4.0606% | 561 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 3.4526% | 506 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.4833% | 4,110 |
| Return on assets (ROA) | 0.4833% | 4,058 |
| Pretax return on assets | 0.6442% | 3,908 |
| Return on Equity (ROE) | 4.3400% | 4,096 |
| Retained earnings to average equity (ytd only) | 4.3378% | 3,338 |
| Net charge-offs to loans | -0.0319% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.0679% | 603 |
| Assets per employee ($millions) | 6.6658% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 3,310 |
| Loan loss allowance to noncurrent loans | 77.4096% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.7115% | 728 |
| Noncurrent loans to loans | 1.3409% | 545 |
| Net loans and leases to total assets | 52.5100% | 3,235 |
| Net loans and leases to deposits | 60.9859% | 3,111 |
| Net loans and leases to core deposits | 68.8183% | 2,736 |
| Total domestic deposits to total assets | 86.1000% | 3,044 |
| Equity capital to assets | 11.0368% | 1,161 |
| Core capital (leverage) ratio | 11.7550% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $201,387,250 | 3,057 |
| Average earning assets | $185,059,250 | 3,060 |
| Average equity | $22,438,000 | 2,780 |
| Average total loans | $125,515,250 | 2,877 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 372 |
| Cost of funding earning assets | 0.5076% | 497 |
| Net interest margin | 4.0027% | 495 |
| Noninterest income to average assets | 0.5075% | 2,158 |
| Noninterest expense to average assets | 3.5439% | 421 |
| Loan and lease loss provision to assets | 0.0629% | 1,473 |
| Net operating income to assets | 0.4100% | 4,088 |
| Return on assets (ROA) | 0.4100% | 4,038 |
| Pretax return on assets | 0.5630% | 3,888 |
| Return on Equity (ROE) | 3.6655% | 4,104 |
| Retained earnings to average equity (ytd only) | 3.6655% | 3,217 |
| Net charge-offs to loans | -0.0190% | 3,845 |
| Credit loss provision to net charge-offs | -500.0000% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9887% | 626 |
| Assets per employee ($millions) | 6.3419% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 3,677 |
| Loan loss allowance to noncurrent loans | 178.4993% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 1,676 |
| Noncurrent loans to loans | 0.5500% | 1,515 |
| Net loans and leases to total assets | 59.6150% | 2,365 |
| Net loans and leases to deposits | 68.8418% | 2,313 |
| Net loans and leases to core deposits | 79.0496% | 1,775 |
| Total domestic deposits to total assets | 86.5971% | 3,081 |
| Equity capital to assets | 10.2431% | 1,567 |
| Core capital (leverage) ratio | 12.1366% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,749,000 | 3,158 |
| Average earning assets | $174,533,000 | 3,177 |
| Average equity | $21,334,333 | 2,954 |
| Average total loans | $126,088,333 | 2,884 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1747% | 546 |
| Cost of funding earning assets | 0.5536% | 363 |
| Net interest margin | 3.6212% | 867 |
| Noninterest income to average assets | 0.3549% | 2,968 |
| Noninterest expense to average assets | 3.6918% | 349 |
| Loan and lease loss provision to assets | 0.0661% | 1,238 |
| Net operating income to assets | -0.0639% | 4,577 |
| Return on assets (ROA) | -0.0639% | 4,559 |
| Pretax return on assets | -0.1014% | 4,571 |
| Return on Equity (ROE) | -0.5450% | 4,560 |
| Retained earnings to average equity (ytd only) | -0.5450% | 4,086 |
| Net charge-offs to loans | -0.0190% | 3,887 |
| Credit loss provision to net charge-offs | -500.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9644% | 228 |
| Assets per employee ($millions) | 5.3161% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 3,938 |
| Loan loss allowance to noncurrent loans | 139.6512% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 1,187 |
| Noncurrent loans to loans | 0.6700% | 1,417 |
| Net loans and leases to total assets | 74.7490% | 595 |
| Net loans and leases to deposits | 89.2714% | 548 |
| Net loans and leases to core deposits | 107.0001% | 330 |
| Total domestic deposits to total assets | 83.7323% | 3,816 |
| Equity capital to assets | 12.5655% | 792 |
| Core capital (leverage) ratio | 11.3749% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,482,000 | 3,239 |
| Average earning assets | $165,471,000 | 3,273 |
| Average equity | $21,283,000 | 3,035 |
| Average total loans | $126,132,000 | 2,890 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9800% | 268 |
| Cost of funding earning assets | 0.8533% | 149 |
| Net interest margin | 4.1267% | 563 |
| Noninterest income to average assets | 1.3102% | 628 |
| Noninterest expense to average assets | 3.2600% | 670 |
| Loan and lease loss provision to assets | 0.0240% | 2,584 |
| Net operating income to assets | 1.8980% | 411 |
| Return on assets (ROA) | 1.8980% | 437 |
| Pretax return on assets | 1.7964% | 918 |
| Return on Equity (ROE) | 18.6480% | 404 |
| Retained earnings to average equity (ytd only) | 18.6480% | 81 |
| Net charge-offs to loans | 0.0007% | 2,670 |
| Credit loss provision to net charge-offs | 4,500.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 3,407.0000% | 36 |
| Efficiency ratio | 64.1670% | 2,539 |
| Assets per employee ($millions) | 6.4283% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 3,963 |
| Loan loss allowance to noncurrent loans | 84.7889% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.7125% | 882 |
| Noncurrent loans to loans | 1.1089% | 879 |
| Net loans and leases to total assets | 63.6449% | 1,745 |
| Net loans and leases to deposits | 74.3362% | 1,701 |
| Net loans and leases to core deposits | 90.3841% | 958 |
| Total domestic deposits to total assets | 85.6177% | 3,048 |
| Equity capital to assets | 10.9879% | 1,798 |
| Core capital (leverage) ratio | 10.1742% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,149,200 | 3,152 |
| Average earning assets | $170,982,400 | 3,177 |
| Average equity | $19,047,600 | 3,295 |
| Average total loans | $138,522,800 | 2,741 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 301 |
| Cost of funding earning assets | 0.8984% | 147 |
| Net interest margin | 4.0964% | 662 |
| Noninterest income to average assets | 1.6483% | 463 |
| Noninterest expense to average assets | 3.2111% | 696 |
| Loan and lease loss provision to assets | 0.0323% | 2,348 |
| Net operating income to assets | 2.1429% | 362 |
| Return on assets (ROA) | 2.1429% | 379 |
| Pretax return on assets | 2.1429% | 620 |
| Return on Equity (ROE) | 21.4990% | 323 |
| Retained earnings to average equity (ytd only) | 21.4990% | 90 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6162% | 3,043 |
| Assets per employee ($millions) | 5.9119% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 4,136 |
| Loan loss allowance to noncurrent loans | 119.4872% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 1,395 |
| Noncurrent loans to loans | 0.7598% | 1,484 |
| Net loans and leases to total assets | 71.6955% | 898 |
| Net loans and leases to deposits | 87.6238% | 734 |
| Net loans and leases to core deposits | 107.7018% | 374 |
| Total domestic deposits to total assets | 81.8220% | 3,955 |
| Equity capital to assets | 11.7187% | 1,537 |
| Core capital (leverage) ratio | 11.1522% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,724,500 | 3,197 |
| Average earning assets | $169,477,500 | 3,223 |
| Average equity | $18,512,000 | 3,386 |
| Average total loans | $142,177,750 | 2,743 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9307% | 383 |
| Cost of funding earning assets | 0.9320% | 157 |
| Net interest margin | 3.9987% | 822 |
| Noninterest income to average assets | 2.2640% | 279 |
| Noninterest expense to average assets | 3.1701% | 755 |
| Loan and lease loss provision to assets | 0.0477% | 2,069 |
| Net operating income to assets | 2.6969% | 173 |
| Return on assets (ROA) | 2.6969% | 178 |
| Pretax return on assets | 2.6969% | 261 |
| Return on Equity (ROE) | 28.6347% | 113 |
| Retained earnings to average equity (ytd only) | 28.6347% | 44 |
| Net charge-offs to loans | -0.0054% | 3,457 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5964% | 3,854 |
| Assets per employee ($millions) | 5.5429% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 4,264 |
| Loan loss allowance to noncurrent loans | 113.4951% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 1,341 |
| Noncurrent loans to loans | 0.7579% | 1,585 |
| Net loans and leases to total assets | 81.0220% | 262 |
| Net loans and leases to deposits | 102.4485% | 211 |
| Net loans and leases to core deposits | 129.2823% | 133 |
| Total domestic deposits to total assets | 79.0856% | 4,335 |
| Equity capital to assets | 12.3088% | 1,215 |
| Core capital (leverage) ratio | 11.0870% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,513,667 | 3,185 |
| Average earning assets | $172,105,667 | 3,197 |
| Average equity | $17,754,667 | 3,451 |
| Average total loans | $146,796,333 | 2,720 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4314% | 870 |
| Cost of funding earning assets | 0.9180% | 205 |
| Net interest margin | 3.5134% | 1,789 |
| Noninterest income to average assets | 0.3046% | 3,591 |
| Noninterest expense to average assets | 2.8313% | 1,305 |
| Loan and lease loss provision to assets | 0.0902% | 1,470 |
| Net operating income to assets | 0.6192% | 3,893 |
| Return on assets (ROA) | 0.6192% | 3,958 |
| Pretax return on assets | 0.6192% | 4,166 |
| Return on Equity (ROE) | 7.5375% | 3,465 |
| Retained earnings to average equity (ytd only) | 7.5375% | 2,401 |
| Net charge-offs to loans | -0.0105% | 3,686 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9660% | 824 |
| Assets per employee ($millions) | 6.6918% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7488% | 4,490 |
| Loan loss allowance to noncurrent loans | 109.9718% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 1,797 |
| Noncurrent loans to loans | 0.6809% | 1,886 |
| Net loans and leases to total assets | 77.1871% | 525 |
| Net loans and leases to deposits | 109.6637% | 136 |
| Net loans and leases to core deposits | 136.5067% | 103 |
| Total domestic deposits to total assets | 70.3853% | 4,760 |
| Equity capital to assets | 8.3594% | 4,222 |
| Core capital (leverage) ratio | 8.5864% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,627,000 | 3,091 |
| Average earning assets | $183,868,500 | 3,106 |
| Average equity | $16,398,000 | 3,569 |
| Average total loans | $152,245,500 | 2,665 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9849% | 504 |
| Cost of funding earning assets | 1.2579% | 215 |
| Net interest margin | 3.7270% | 1,718 |
| Noninterest income to average assets | 0.4827% | 2,711 |
| Noninterest expense to average assets | 3.1780% | 1,093 |
| Loan and lease loss provision to assets | 0.1003% | 3,080 |
| Net operating income to assets | 0.6087% | 3,725 |
| Return on assets (ROA) | 0.6087% | 3,844 |
| Pretax return on assets | 0.6087% | 4,063 |
| Return on Equity (ROE) | 6.8596% | 3,259 |
| Retained earnings to average equity (ytd only) | 6.8596% | 1,443 |
| Net charge-offs to loans | -0.0090% | 4,240 |
| Credit loss provision to net charge-offs | -1,466.6667% | 4,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7595% | 761 |
| Assets per employee ($millions) | 6.6166% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 4,505 |
| Loan loss allowance to noncurrent loans | 103.7037% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 1,922 |
| Noncurrent loans to loans | 0.7279% | 1,886 |
| Net loans and leases to total assets | 74.1792% | 1,002 |
| Net loans and leases to deposits | 108.9308% | 176 |
| Net loans and leases to core deposits | 137.6610% | 140 |
| Total domestic deposits to total assets | 68.0976% | 4,812 |
| Equity capital to assets | 8.0675% | 4,682 |
| Core capital (leverage) ratio | 8.3672% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,454,000 | 3,146 |
| Average earning assets | $160,265,000 | 3,165 |
| Average equity | $15,569,400 | 3,600 |
| Average total loans | $132,782,000 | 2,833 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0854% | 517 |
| Cost of funding earning assets | 1.3392% | 203 |
| Net interest margin | 3.7462% | 1,778 |
| Noninterest income to average assets | 0.5115% | 2,558 |
| Noninterest expense to average assets | 3.2599% | 969 |
| Loan and lease loss provision to assets | 0.1031% | 3,032 |
| Net operating income to assets | 0.5665% | 3,865 |
| Return on assets (ROA) | 0.5665% | 3,955 |
| Pretax return on assets | 0.5665% | 4,162 |
| Return on Equity (ROE) | 6.2187% | 3,471 |
| Retained earnings to average equity (ytd only) | 6.2187% | 2,011 |
| Net charge-offs to loans | -0.0145% | 4,320 |
| Credit loss provision to net charge-offs | -935.7143% | 3,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9634% | 676 |
| Assets per employee ($millions) | 6.9813% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7185% | 4,541 |
| Loan loss allowance to noncurrent loans | 98.7168% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 2,088 |
| Noncurrent loans to loans | 0.7278% | 1,982 |
| Net loans and leases to total assets | 73.5077% | 1,432 |
| Net loans and leases to deposits | 113.1304% | 178 |
| Net loans and leases to core deposits | 145.3918% | 139 |
| Total domestic deposits to total assets | 64.9761% | 4,873 |
| Equity capital to assets | 7.8638% | 4,758 |
| Core capital (leverage) ratio | 8.4745% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,692,750 | 3,181 |
| Average earning assets | $154,818,500 | 3,194 |
| Average equity | $15,458,250 | 3,612 |
| Average total loans | $128,886,250 | 2,882 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4168% | 390 |
| Cost of funding earning assets | 1.4629% | 177 |
| Net interest margin | 3.9539% | 1,437 |
| Noninterest income to average assets | 0.3678% | 3,271 |
| Noninterest expense to average assets | 3.4780% | 767 |
| Loan and lease loss provision to assets | 0.1083% | 2,924 |
| Net operating income to assets | 0.3666% | 4,298 |
| Return on assets (ROA) | 0.3666% | 4,355 |
| Pretax return on assets | 0.3666% | 4,448 |
| Return on Equity (ROE) | 3.8029% | 4,164 |
| Retained earnings to average equity (ytd only) | 3.8029% | 3,010 |
| Net charge-offs to loans | -0.0230% | 4,451 |
| Credit loss provision to net charge-offs | -614.2857% | 3,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9860% | 453 |
| Assets per employee ($millions) | 7.2672% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6805% | 4,606 |
| Loan loss allowance to noncurrent loans | 90.3678% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.5612% | 2,123 |
| Noncurrent loans to loans | 0.7530% | 1,997 |
| Net loans and leases to total assets | 74.0233% | 1,409 |
| Net loans and leases to deposits | 113.1882% | 171 |
| Net loans and leases to core deposits | 146.3563% | 124 |
| Total domestic deposits to total assets | 65.3984% | 4,892 |
| Equity capital to assets | 7.6341% | 4,846 |
| Core capital (leverage) ratio | 8.4566% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,770,667 | 3,263 |
| Average earning assets | $143,959,667 | 3,296 |
| Average equity | $15,304,000 | 3,626 |
| Average total loans | $121,881,667 | 2,955 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1047% | 145 |
| Cost of funding earning assets | 1.7526% | 104 |
| Net interest margin | 4.3521% | 691 |
| Noninterest income to average assets | 0.4369% | 2,865 |
| Noninterest expense to average assets | 3.9996% | 510 |
| Loan and lease loss provision to assets | 0.1202% | 2,191 |
| Net operating income to assets | 0.2053% | 4,520 |
| Return on assets (ROA) | 0.2053% | 4,528 |
| Pretax return on assets | 0.2053% | 4,558 |
| Return on Equity (ROE) | 1.8434% | 4,476 |
| Retained earnings to average equity (ytd only) | 1.8434% | 3,499 |
| Net charge-offs to loans | -0.0561% | 4,671 |
| Credit loss provision to net charge-offs | -273.3333% | 3,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4746% | 411 |
| Assets per employee ($millions) | 4.9993% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 4,118 |
| Loan loss allowance to noncurrent loans | 87.3563% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.8080% | 1,676 |
| Noncurrent loans to loans | 1.0272% | 1,616 |
| Net loans and leases to total assets | 77.9520% | 992 |
| Net loans and leases to deposits | 92.0555% | 1,273 |
| Net loans and leases to core deposits | 124.7590% | 352 |
| Total domestic deposits to total assets | 84.6793% | 2,533 |
| Equity capital to assets | 10.9651% | 2,890 |
| Core capital (leverage) ratio | 9.3746% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,415,000 | 3,495 |
| Average earning assets | $121,873,000 | 3,551 |
| Average equity | $15,189,000 | 3,643 |
| Average total loans | $106,994,500 | 3,121 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3239% | 139 |
| Cost of funding earning assets | 1.8607% | 112 |
| Net interest margin | 4.4632% | 778 |
| Noninterest income to average assets | 0.7517% | 1,624 |
| Noninterest expense to average assets | 4.5101% | 303 |
| Loan and lease loss provision to assets | 0.0485% | 3,056 |
| Net operating income to assets | 0.1756% | 4,859 |
| Return on assets (ROA) | 0.1756% | 4,881 |
| Pretax return on assets | 0.1756% | 4,903 |
| Return on Equity (ROE) | 1.5385% | 4,856 |
| Retained earnings to average equity (ytd only) | 1.5385% | 4,188 |
| Net charge-offs to loans | 0.0558% | 2,304 |
| Credit loss provision to net charge-offs | 109.0909% | 2,282 |
| Earnings coverage of net charge-offs (x) | 5.0364% | 3,141 |
| Efficiency ratio | 95.2658% | 224 |
| Assets per employee ($millions) | 4.7446% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 3,973 |
| Loan loss allowance to noncurrent loans | 76.3309% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.9191% | 1,384 |
| Noncurrent loans to loans | 1.1754% | 1,284 |
| Net loans and leases to total assets | 77.4947% | 1,161 |
| Net loans and leases to deposits | 92.4787% | 1,313 |
| Net loans and leases to core deposits | 130.5723% | 270 |
| Total domestic deposits to total assets | 83.7974% | 2,912 |
| Equity capital to assets | 11.3128% | 2,695 |
| Core capital (leverage) ratio | 9.9457% | 3,575 |
| Tier 1 risk-based capital ratio | 25.0391% | 747 |
| Total risk-based capital ratio | 26.2963% | 732 |
| Memoranda: | ||
| Average total assets | $123,588,200 | 3,647 |
| Average earning assets | $110,280,200 | 3,705 |
| Average equity | $14,104,800 | 3,737 |
| Average total loans | $98,498,400 | 3,249 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3406% | 140 |
| Cost of funding earning assets | 1.8602% | 115 |
| Net interest margin | 4.4804% | 803 |
| Noninterest income to average assets | 0.8839% | 1,174 |
| Noninterest expense to average assets | 4.6450% | 266 |
| Loan and lease loss provision to assets | 0.0660% | 2,565 |
| Net operating income to assets | 0.1715% | 4,971 |
| Return on assets (ROA) | 0.1715% | 4,983 |
| Pretax return on assets | 0.1715% | 4,998 |
| Return on Equity (ROE) | 1.4992% | 4,969 |
| Retained earnings to average equity (ytd only) | 1.4992% | 4,437 |
| Net charge-offs to loans | 0.0755% | 1,742 |
| Credit loss provision to net charge-offs | 109.0909% | 2,106 |
| Earnings coverage of net charge-offs (x) | 3.9273% | 3,062 |
| Efficiency ratio | 95.1362% | 213 |
| Assets per employee ($millions) | 4.5179% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 3,940 |
| Loan loss allowance to noncurrent loans | 75.2220% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 1,378 |
| Noncurrent loans to loans | 1.2317% | 1,264 |
| Net loans and leases to total assets | 78.7828% | 1,021 |
| Net loans and leases to deposits | 97.3680% | 885 |
| Net loans and leases to core deposits | 149.9541% | 126 |
| Total domestic deposits to total assets | 80.9124% | 3,786 |
| Equity capital to assets | 11.8734% | 2,354 |
| Core capital (leverage) ratio | 10.2535% | 3,363 |
| Tier 1 risk-based capital ratio | 24.9237% | 770 |
| Total risk-based capital ratio | 26.1804% | 758 |
| Memoranda: | ||
| Average total assets | $121,273,000 | 3,714 |
| Average earning assets | $108,231,000 | 3,785 |
| Average equity | $13,873,750 | 3,802 |
| Average total loans | $97,152,250 | 3,303 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2464% | 156 |
| Cost of funding earning assets | 1.8253% | 115 |
| Net interest margin | 4.4211% | 906 |
| Noninterest income to average assets | 0.7161% | 1,648 |
| Noninterest expense to average assets | 4.2449% | 387 |
| Loan and lease loss provision to assets | 0.0753% | 2,308 |
| Net operating income to assets | 0.3514% | 4,797 |
| Return on assets (ROA) | 0.3514% | 4,818 |
| Pretax return on assets | 0.3514% | 4,887 |
| Return on Equity (ROE) | 3.1130% | 4,770 |
| Retained earnings to average equity (ytd only) | 3.1130% | 3,664 |
| Net charge-offs to loans | 0.2375% | 707 |
| Credit loss provision to net charge-offs | 39.4737% | 2,540 |
| Earnings coverage of net charge-offs (x) | 2.2368% | 2,959 |
| Efficiency ratio | 90.8668% | 322 |
| Assets per employee ($millions) | 4.6422% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 4,203 |
| Loan loss allowance to noncurrent loans | 67.5591% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.0132% | 1,379 |
| Noncurrent loans to loans | 1.2862% | 1,227 |
| Net loans and leases to total assets | 78.0908% | 1,202 |
| Net loans and leases to deposits | 93.1400% | 1,358 |
| Net loans and leases to core deposits | 144.4794% | 163 |
| Total domestic deposits to total assets | 83.8423% | 2,935 |
| Equity capital to assets | 11.1880% | 2,872 |
| Core capital (leverage) ratio | 9.3630% | 4,296 |
| Tier 1 risk-based capital ratio | 24.1879% | 826 |
| Total risk-based capital ratio | 25.4448% | 810 |
| Memoranda: | ||
| Average total assets | $119,530,330 | 3,772 |
| Average earning assets | $106,941,000 | 3,823 |
| Average equity | $13,491,670 | 3,864 |
| Average total loans | $96,005,330 | 3,340 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1894% | 162 |
| Cost of funding earning assets | 1.7596% | 123 |
| Net interest margin | 4.4298% | 845 |
| Noninterest income to average assets | 1.0495% | 725 |
| Noninterest expense to average assets | 4.4381% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5659% | 4,348 |
| Return on assets (ROA) | 0.5659% | 4,378 |
| Pretax return on assets | 0.5659% | 4,576 |
| Return on Equity (ROE) | 4.9902% | 4,327 |
| Retained earnings to average equity (ytd only) | 4.9902% | 2,911 |
| Net charge-offs to loans | 0.4818% | 314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.4474% | 2,598 |
| Efficiency ratio | 88.6909% | 450 |
| Assets per employee ($millions) | 4.7982% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 4,365 |
| Loan loss allowance to noncurrent loans | 57.1328% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.1863% | 1,133 |
| Noncurrent loans to loans | 1.4790% | 1,092 |
| Net loans and leases to total assets | 79.5297% | 903 |
| Net loans and leases to deposits | 95.8014% | 991 |
| Net loans and leases to core deposits | 104.7500% | 1,261 |
| Total domestic deposits to total assets | 83.0152% | 3,380 |
| Equity capital to assets | 11.5253% | 2,376 |
| Core capital (leverage) ratio | 9.6896% | 3,930 |
| Tier 1 risk-based capital ratio | 25.6259% | 711 |
| Total risk-based capital ratio | 26.8833% | 697 |
| Memoranda: | ||
| Average total assets | $116,625,500 | 3,854 |
| Average earning assets | $104,114,000 | 3,914 |
| Average equity | $13,226,000 | 3,916 |
| Average total loans | $94,639,500 | 3,397 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7379% | 263 |
| Cost of funding earning assets | 0.9822% | 809 |
| Net interest margin | 4.7557% | 437 |
| Noninterest income to average assets | 0.7354% | 1,708 |
| Noninterest expense to average assets | 4.5256% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.3660% | 184 |
| Return on assets (ROA) | 2.3660% | 180 |
| Pretax return on assets | 0.4505% | 4,874 |
| Return on Equity (ROE) | 21.6990% | 166 |
| Retained earnings to average equity (ytd only) | 21.6990% | 28 |
| Net charge-offs to loans | 0.1282% | 1,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 4.4286% | 3,299 |
| Efficiency ratio | 90.9463% | 313 |
| Assets per employee ($millions) | 4.1962% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 3,729 |
| Loan loss allowance to noncurrent loans | 29.2798% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 2.7944% | 249 |
| Noncurrent loans to loans | 3.4019% | 269 |
| Net loans and leases to total assets | 81.3261% | 765 |
| Net loans and leases to deposits | 103.3435% | 519 |
| Net loans and leases to core deposits | 114.2142% | 776 |
| Total domestic deposits to total assets | 78.6949% | 4,370 |
| Equity capital to assets | 11.1450% | 2,558 |
| Core capital (leverage) ratio | 9.3365% | 4,320 |
| Tier 1 risk-based capital ratio | 23.3581% | 876 |
| Total risk-based capital ratio | 24.6187% | 851 |
| Memoranda: | ||
| Average total assets | $103,212,000 | 4,052 |
| Average earning assets | $92,037,400 | 4,106 |
| Average equity | $11,254,000 | 4,125 |
| Average total loans | $81,906,200 | 3,627 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6064% | 295 |
| Cost of funding earning assets | 0.8490% | 1,124 |
| Net interest margin | 4.7573% | 411 |
| Noninterest income to average assets | 0.8382% | 1,359 |
| Noninterest expense to average assets | 4.6359% | 261 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 3.0641% | 76 |
| Return on assets (ROA) | 3.0641% | 76 |
| Pretax return on assets | 0.4462% | 4,974 |
| Return on Equity (ROE) | 28.2772% | 46 |
| Retained earnings to average equity (ytd only) | 28.2772% | 11 |
| Net charge-offs to loans | 0.1550% | 1,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.6631% | 3,139 |
| Efficiency ratio | 91.2194% | 294 |
| Assets per employee ($millions) | 4.0161% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,438 |
| Loan loss allowance to noncurrent loans | 28.3731% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 2.9462% | 250 |
| Noncurrent loans to loans | 3.7199% | 246 |
| Net loans and leases to total assets | 78.3639% | 1,286 |
| Net loans and leases to deposits | 94.0931% | 1,371 |
| Net loans and leases to core deposits | 108.8357% | 1,109 |
| Total domestic deposits to total assets | 83.2834% | 3,207 |
| Equity capital to assets | 11.0181% | 2,644 |
| Core capital (leverage) ratio | 9.8812% | 3,765 |
| Tier 1 risk-based capital ratio | 24.0603% | 838 |
| Total risk-based capital ratio | 25.3217% | 817 |
| Memoranda: | ||
| Average total assets | $100,690,750 | 4,136 |
| Average earning assets | $89,824,250 | 4,191 |
| Average equity | $10,910,750 | 4,213 |
| Average total loans | $79,116,000 | 3,712 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4800% | 327 |
| Cost of funding earning assets | 0.8816% | 786 |
| Net interest margin | 4.5984% | 550 |
| Noninterest income to average assets | 1.0334% | 902 |
| Noninterest expense to average assets | 4.7411% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 4.4745% | 42 |
| Return on assets (ROA) | 4.4745% | 42 |
| Pretax return on assets | 0.3885% | 5,054 |
| Return on Equity (ROE) | 41.5640% | 17 |
| Retained earnings to average equity (ytd only) | 41.5640% | 5 |
| Net charge-offs to loans | 0.1609% | 955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.0820% | 2,913 |
| Efficiency ratio | 92.4255% | 297 |
| Assets per employee ($millions) | 3.6461% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 2,700 |
| Loan loss allowance to noncurrent loans | 25.2142% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 3.7722% | 156 |
| Noncurrent loans to loans | 4.7674% | 150 |
| Net loans and leases to total assets | 78.1722% | 1,283 |
| Net loans and leases to deposits | 89.6757% | 1,882 |
| Net loans and leases to core deposits | 104.5484% | 1,349 |
| Total domestic deposits to total assets | 87.1721% | 1,764 |
| Equity capital to assets | 11.7269% | 2,038 |
| Core capital (leverage) ratio | 10.2162% | 3,347 |
| Tier 1 risk-based capital ratio | 24.3354% | 806 |
| Total risk-based capital ratio | 25.5984% | 780 |
| Memoranda: | ||
| Average total assets | $96,770,670 | 4,230 |
| Average earning assets | $86,203,670 | 4,291 |
| Average equity | $10,417,670 | 4,320 |
| Average total loans | $75,801,000 | 3,813 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 530 |
| Cost of funding earning assets | 0.8690% | 696 |
| Net interest margin | 4.2930% | 962 |
| Noninterest income to average assets | 0.5058% | 2,765 |
| Noninterest expense to average assets | 4.8113% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.5610% | 5,504 |
| Return on assets (ROA) | -0.5610% | 5,502 |
| Pretax return on assets | -0.4633% | 5,492 |
| Return on Equity (ROE) | -5.4769% | 5,504 |
| Retained earnings to average equity (ytd only) | -5.4769% | 5,225 |
| Net charge-offs to loans | -0.0600% | 5,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6549% | 100 |
| Assets per employee ($millions) | 3.0914% | 5,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 1,777 |
| Loan loss allowance to noncurrent loans | 26.6684% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 4.2170% | 143 |
| Noncurrent loans to loans | 5.3119% | 131 |
| Net loans and leases to total assets | 78.2636% | 1,201 |
| Net loans and leases to deposits | 89.3793% | 1,766 |
| Net loans and leases to core deposits | 105.8894% | 1,246 |
| Total domestic deposits to total assets | 87.5635% | 1,868 |
| Equity capital to assets | 10.2800% | 3,304 |
| Core capital (leverage) ratio | 10.0149% | 3,521 |
| Tier 1 risk-based capital ratio | 27.8341% | 569 |
| Total risk-based capital ratio | 29.1068% | 562 |
| Memoranda: | ||
| Average total assets | $94,111,000 | 4,323 |
| Average earning assets | $84,230,000 | 4,372 |
| Average equity | $9,640,500 | 4,479 |
| Average total loans | $73,313,000 | 3,899 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3092% | 360 |
| Cost of funding earning assets | 0.6232% | 1,447 |
| Net interest margin | 4.6860% | 433 |
| Noninterest income to average assets | 1.0899% | 852 |
| Noninterest expense to average assets | 4.8342% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7508% | 3,389 |
| Return on assets (ROA) | 0.7508% | 3,426 |
| Pretax return on assets | 0.6740% | 4,573 |
| Return on Equity (ROE) | 7.4991% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.4991% | 923 |
| Net charge-offs to loans | 0.0714% | 2,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 11.4909% | 2,570 |
| Efficiency ratio | 87.7638% | 547 |
| Assets per employee ($millions) | 3.5363% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,711 |
| Loan loss allowance to noncurrent loans | 22.7764% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 4.7455% | 108 |
| Noncurrent loans to loans | 6.2069% | 84 |
| Net loans and leases to total assets | 75.3747% | 1,701 |
| Net loans and leases to deposits | 84.8037% | 2,402 |
| Net loans and leases to core deposits | 99.3073% | 1,767 |
| Total domestic deposits to total assets | 88.8813% | 1,054 |
| Equity capital to assets | 10.2085% | 3,483 |
| Core capital (leverage) ratio | 10.4956% | 2,846 |
| Tier 1 risk-based capital ratio | 28.0295% | 540 |
| Total risk-based capital ratio | 29.3018% | 531 |
| Memoranda: | ||
| Average total assets | $93,770,000 | 4,350 |
| Average earning assets | $88,412,600 | 4,325 |
| Average equity | $9,387,800 | 4,541 |
| Average total loans | $77,008,000 | 3,804 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3618% | 314 |
| Cost of funding earning assets | 0.5698% | 1,744 |
| Net interest margin | 4.7920% | 342 |
| Noninterest income to average assets | 0.6499% | 2,213 |
| Noninterest expense to average assets | 4.8365% | 242 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5228% | 4,672 |
| Return on assets (ROA) | 0.5228% | 4,700 |
| Pretax return on assets | 0.3899% | 5,202 |
| Return on Equity (ROE) | 5.2483% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.2483% | 2,713 |
| Net charge-offs to loans | 0.0974% | 1,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.7893% | 3,179 |
| Efficiency ratio | 92.5389% | 329 |
| Assets per employee ($millions) | 3.1469% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 1,877 |
| Loan loss allowance to noncurrent loans | 25.0304% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 4.6701% | 125 |
| Noncurrent loans to loans | 5.6016% | 123 |
| Net loans and leases to total assets | 82.2015% | 651 |
| Net loans and leases to deposits | 92.7924% | 1,445 |
| Net loans and leases to core deposits | 110.2501% | 1,008 |
| Total domestic deposits to total assets | 88.5864% | 1,078 |
| Equity capital to assets | 10.7679% | 3,100 |
| Core capital (leverage) ratio | 10.2877% | 3,216 |
| Tier 1 risk-based capital ratio | 32.2297% | 410 |
| Total risk-based capital ratio | 33.5107% | 399 |
| Memoranda: | ||
| Average total assets | $93,342,750 | 4,404 |
| Average earning assets | $89,146,750 | 4,344 |
| Average equity | $9,298,000 | 4,611 |
| Average total loans | $78,010,250 | 3,824 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2923% | 340 |
| Cost of funding earning assets | 0.5222% | 1,988 |
| Net interest margin | 4.7701% | 348 |
| Noninterest income to average assets | 0.6605% | 2,164 |
| Noninterest expense to average assets | 4.7957% | 253 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5847% | 4,371 |
| Return on assets (ROA) | 0.5847% | 4,425 |
| Pretax return on assets | 0.4375% | 5,103 |
| Return on Equity (ROE) | 6.0208% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.0208% | 2,102 |
| Net charge-offs to loans | 0.2037% | 991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.5679% | 3,148 |
| Efficiency ratio | 91.6399% | 377 |
| Assets per employee ($millions) | 2.9015% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 2,354 |
| Loan loss allowance to noncurrent loans | 25.0810% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 4.4593% | 139 |
| Noncurrent loans to loans | 5.2274% | 136 |
| Net loans and leases to total assets | 84.1883% | 425 |
| Net loans and leases to deposits | 99.4602% | 776 |
| Net loans and leases to core deposits | 120.5950% | 533 |
| Total domestic deposits to total assets | 84.6452% | 2,962 |
| Equity capital to assets | 10.4418% | 3,413 |
| Core capital (leverage) ratio | 10.2236% | 3,242 |
| Tier 1 risk-based capital ratio | 30.7806% | 440 |
| Total risk-based capital ratio | 32.0570% | 439 |
| Memoranda: | ||
| Average total assets | $95,085,670 | 4,394 |
| Average earning assets | $91,151,330 | 4,323 |
| Average equity | $9,234,670 | 4,640 |
| Average total loans | $79,526,670 | 3,800 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9110% | 614 |
| Cost of funding earning assets | 0.5178% | 1,952 |
| Net interest margin | 4.3932% | 650 |
| Noninterest income to average assets | 0.6472% | 2,194 |
| Noninterest expense to average assets | 4.5876% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4014% | 4,936 |
| Return on assets (ROA) | 0.4014% | 4,962 |
| Pretax return on assets | 0.2990% | 5,311 |
| Return on Equity (ROE) | 4.2813% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.2813% | 3,295 |
| Net charge-offs to loans | -0.0692% | 5,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8810% | 387 |
| Assets per employee ($millions) | 3.2844% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 2,223 |
| Loan loss allowance to noncurrent loans | 49.2177% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.3486% | 515 |
| Noncurrent loans to loans | 2.7774% | 524 |
| Net loans and leases to total assets | 83.4035% | 421 |
| Net loans and leases to deposits | 92.8374% | 1,242 |
| Net loans and leases to core deposits | 112.6295% | 742 |
| Total domestic deposits to total assets | 89.8382% | 730 |
| Equity capital to assets | 9.6704% | 4,103 |
| Core capital (leverage) ratio | 9.1574% | 4,536 |
| Tier 1 risk-based capital ratio | 32.3480% | 403 |
| Total risk-based capital ratio | 33.6338% | 394 |
| Memoranda: | ||
| Average total assets | $97,655,500 | 4,392 |
| Average earning assets | $94,237,500 | 4,304 |
| Average equity | $9,156,000 | 4,689 |
| Average total loans | $80,925,000 | 3,795 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 509 |
| Cost of funding earning assets | 0.5402% | 1,789 |
| Net interest margin | 4.5512% | 552 |
| Noninterest income to average assets | 0.7071% | 2,146 |
| Noninterest expense to average assets | 4.6062% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7288% | 3,644 |
| Return on assets (ROA) | 0.7288% | 3,760 |
| Pretax return on assets | 0.5446% | 4,934 |
| Return on Equity (ROE) | 7.7171% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.7171% | 953 |
| Net charge-offs to loans | -0.0364% | 5,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4269% | 593 |
| Assets per employee ($millions) | 3.7060% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 2,350 |
| Loan loss allowance to noncurrent loans | 66.6462% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.6300% | 964 |
| Noncurrent loans to loans | 2.0060% | 900 |
| Net loans and leases to total assets | 80.1713% | 874 |
| Net loans and leases to deposits | 88.8895% | 1,818 |
| Net loans and leases to core deposits | 104.3077% | 1,258 |
| Total domestic deposits to total assets | 90.1921% | 565 |
| Equity capital to assets | 9.0954% | 4,714 |
| Core capital (leverage) ratio | 9.5317% | 4,039 |
| Tier 1 risk-based capital ratio | 32.7007% | 387 |
| Total risk-based capital ratio | 33.9916% | 377 |
| Memoranda: | ||
| Average total assets | $87,404,200 | 4,598 |
| Average earning assets | $85,340,600 | 4,491 |
| Average equity | $8,254,400 | 4,891 |
| Average total loans | $74,088,400 | 3,940 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1132% | 484 |
| Cost of funding earning assets | 0.5319% | 1,862 |
| Net interest margin | 4.5813% | 525 |
| Noninterest income to average assets | 0.7771% | 1,859 |
| Noninterest expense to average assets | 4.7656% | 310 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4827% | 4,756 |
| Return on assets (ROA) | 0.4827% | 4,847 |
| Pretax return on assets | 0.4827% | 5,164 |
| Return on Equity (ROE) | 5.0562% | 4,494 |
| Retained earnings to average equity (ytd only) | 5.0562% | 2,787 |
| Net charge-offs to loans | -0.0055% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8022% | 526 |
| Assets per employee ($millions) | 3.3195% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 2,395 |
| Loan loss allowance to noncurrent loans | 100.2830% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1827% | 1,688 |
| Noncurrent loans to loans | 1.3548% | 1,627 |
| Net loans and leases to total assets | 86.1069% | 250 |
| Net loans and leases to deposits | 95.2766% | 1,119 |
| Net loans and leases to core deposits | 114.6987% | 696 |
| Total domestic deposits to total assets | 90.3757% | 353 |
| Equity capital to assets | 9.1702% | 5,004 |
| Core capital (leverage) ratio | 9.1327% | 4,681 |
| Tier 1 risk-based capital ratio | 26.1016% | 706 |
| Total risk-based capital ratio | 27.3763% | 687 |
| Memoranda: | ||
| Average total assets | $84,239,750 | 4,678 |
| Average earning assets | $82,216,000 | 4,579 |
| Average equity | $8,042,750 | 4,976 |
| Average total loans | $72,283,500 | 4,013 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0343% | 551 |
| Cost of funding earning assets | 0.5198% | 1,943 |
| Net interest margin | 4.5145% | 598 |
| Noninterest income to average assets | 0.9121% | 1,339 |
| Noninterest expense to average assets | 4.8833% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4318% | 4,933 |
| Return on assets (ROA) | 0.4318% | 5,021 |
| Pretax return on assets | 0.4318% | 5,280 |
| Return on Equity (ROE) | 4.4589% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.4589% | 3,077 |
| Net charge-offs to loans | 0.0028% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 364 |
| Efficiency ratio | 91.8759% | 503 |
| Assets per employee ($millions) | 3.3407% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 2,274 |
| Loan loss allowance to noncurrent loans | 105.3731% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 1,826 |
| Noncurrent loans to loans | 1.3334% | 1,686 |
| Net loans and leases to total assets | 85.5536% | 284 |
| Net loans and leases to deposits | 94.9176% | 1,201 |
| Net loans and leases to core deposits | 115.2430% | 668 |
| Total domestic deposits to total assets | 90.1346% | 435 |
| Equity capital to assets | 9.3542% | 4,917 |
| Core capital (leverage) ratio | 9.2795% | 4,484 |
| Tier 1 risk-based capital ratio | 25.6792% | 749 |
| Total risk-based capital ratio | 26.9567% | 728 |
| Memoranda: | ||
| Average total assets | $82,444,000 | 4,759 |
| Average earning assets | $80,408,000 | 4,657 |
| Average equity | $7,984,000 | 5,027 |
| Average total loans | $70,298,670 | 4,089 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 692 |
| Cost of funding earning assets | 0.4917% | 2,166 |
| Net interest margin | 4.4100% | 724 |
| Noninterest income to average assets | 1.0718% | 943 |
| Noninterest expense to average assets | 4.7958% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5683% | 4,327 |
| Return on assets (ROA) | 0.5683% | 4,433 |
| Pretax return on assets | 0.5683% | 4,906 |
| Return on Equity (ROE) | 5.7623% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.7623% | 2,493 |
| Net charge-offs to loans | 0.0236% | 2,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,212 |
| Efficiency ratio | 89.4052% | 711 |
| Assets per employee ($millions) | 3.2049% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 1,959 |
| Loan loss allowance to noncurrent loans | 79.7583% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.5889% | 1,257 |
| Noncurrent loans to loans | 1.8870% | 1,171 |
| Net loans and leases to total assets | 82.9373% | 460 |
| Net loans and leases to deposits | 92.2438% | 1,313 |
| Net loans and leases to core deposits | 109.9340% | 857 |
| Total domestic deposits to total assets | 89.9110% | 638 |
| Equity capital to assets | 9.6366% | 4,521 |
| Core capital (leverage) ratio | 9.9718% | 3,571 |
| Tier 1 risk-based capital ratio | 27.9238% | 614 |
| Total risk-based capital ratio | 29.2044% | 599 |
| Memoranda: | ||
| Average total assets | $80,236,500 | 4,851 |
| Average earning assets | $78,096,000 | 4,744 |
| Average equity | $7,913,500 | 5,067 |
| Average total loans | $67,763,000 | 4,168 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 772 |
| Cost of funding earning assets | 0.3966% | 3,199 |
| Net interest margin | 4.5003% | 651 |
| Noninterest income to average assets | 1.2243% | 797 |
| Noninterest expense to average assets | 5.5135% | 210 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0702% | 5,793 |
| Return on assets (ROA) | 0.0702% | 5,830 |
| Pretax return on assets | 0.0702% | 5,825 |
| Return on Equity (ROE) | 0.7012% | 5,813 |
| Retained earnings to average equity (ytd only) | 0.7012% | 5,234 |
| Net charge-offs to loans | -0.2154% | 5,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7420% | 313 |
| Assets per employee ($millions) | 2.9671% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 1,545 |
| Loan loss allowance to noncurrent loans | 108.0530% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.2716% | 1,680 |
| Noncurrent loans to loans | 1.5009% | 1,545 |
| Net loans and leases to total assets | 83.3495% | 445 |
| Net loans and leases to deposits | 93.3196% | 1,272 |
| Net loans and leases to core deposits | 113.6042% | 701 |
| Total domestic deposits to total assets | 89.3162% | 955 |
| Equity capital to assets | 10.1069% | 3,853 |
| Core capital (leverage) ratio | 10.1222% | 3,364 |
| Tier 1 risk-based capital ratio | 27.4461% | 630 |
| Total risk-based capital ratio | 28.7267% | 617 |
| Memoranda: | ||
| Average total assets | $69,756,000 | 5,098 |
| Average earning assets | $67,572,800 | 4,994 |
| Average equity | $6,988,400 | 5,245 |
| Average total loans | $56,179,400 | 4,500 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 973 |
| Cost of funding earning assets | 0.3712% | 3,534 |
| Net interest margin | 4.4040% | 787 |
| Noninterest income to average assets | 1.3802% | 649 |
| Noninterest expense to average assets | 5.6054% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0373% | 5,904 |
| Return on assets (ROA) | 0.0373% | 5,948 |
| Pretax return on assets | 0.0373% | 5,943 |
| Return on Equity (ROE) | 0.3733% | 5,939 |
| Retained earnings to average equity (ytd only) | 0.3733% | 5,510 |
| Net charge-offs to loans | -0.2821% | 6,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3389% | 313 |
| Assets per employee ($millions) | 2.9790% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 1,457 |
| Loan loss allowance to noncurrent loans | 107.4490% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.2653% | 1,848 |
| Noncurrent loans to loans | 1.5868% | 1,567 |
| Net loans and leases to total assets | 78.3745% | 1,046 |
| Net loans and leases to deposits | 87.0809% | 2,015 |
| Net loans and leases to core deposits | 110.0865% | 872 |
| Total domestic deposits to total assets | 90.0019% | 565 |
| Equity capital to assets | 9.3332% | 4,964 |
| Core capital (leverage) ratio | 9.9128% | 3,756 |
| Tier 1 risk-based capital ratio | 25.1124% | 847 |
| Total risk-based capital ratio | 26.3940% | 829 |
| Memoranda: | ||
| Average total assets | $67,908,750 | 5,197 |
| Average earning assets | $65,726,000 | 5,109 |
| Average equity | $6,786,250 | 5,349 |
| Average total loans | $53,884,250 | 4,606 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 1,103 |
| Cost of funding earning assets | 0.3518% | 3,788 |
| Net interest margin | 4.3330% | 862 |
| Noninterest income to average assets | 1.0073% | 1,164 |
| Noninterest expense to average assets | 5.6731% | 206 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.4789% | 6,185 |
| Return on assets (ROA) | -0.4789% | 6,194 |
| Pretax return on assets | -0.4789% | 6,183 |
| Return on Equity (ROE) | -4.6696% | 6,185 |
| Retained earnings to average equity (ytd only) | -4.6696% | 6,004 |
| Net charge-offs to loans | -0.4448% | 6,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2207% | 183 |
| Assets per employee ($millions) | 2.7208% | 5,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8668% | 1,233 |
| Loan loss allowance to noncurrent loans | 164.5313% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.9409% | 2,653 |
| Noncurrent loans to loans | 1.1346% | 2,381 |
| Net loans and leases to total assets | 81.3763% | 626 |
| Net loans and leases to deposits | 90.6579% | 1,516 |
| Net loans and leases to core deposits | 121.9928% | 419 |
| Total domestic deposits to total assets | 89.7620% | 762 |
| Equity capital to assets | 9.6206% | 4,506 |
| Core capital (leverage) ratio | 10.1159% | 3,441 |
| Tier 1 risk-based capital ratio | 22.5775% | 1,128 |
| Total risk-based capital ratio | 23.8586% | 1,107 |
| Memoranda: | ||
| Average total assets | $64,726,670 | 5,330 |
| Average earning assets | $62,543,670 | 5,238 |
| Average equity | $6,638,670 | 5,423 |
| Average total loans | $51,259,670 | 4,715 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 976 |
| Cost of funding earning assets | 0.3423% | 3,961 |
| Net interest margin | 4.3904% | 749 |
| Noninterest income to average assets | 0.9892% | 1,138 |
| Noninterest expense to average assets | 5.8910% | 196 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.6722% | 6,277 |
| Return on assets (ROA) | -0.6722% | 6,281 |
| Pretax return on assets | -0.6722% | 6,269 |
| Return on Equity (ROE) | -6.3416% | 6,286 |
| Retained earnings to average equity (ytd only) | -6.3416% | 6,011 |
| Net charge-offs to loans | -0.0493% | 5,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.8797% | 173 |
| Assets per employee ($millions) | 2.4125% | 6,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9556% | 1,169 |
| Loan loss allowance to noncurrent loans | 147.4259% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 2,576 |
| Noncurrent loans to loans | 1.3265% | 2,170 |
| Net loans and leases to total assets | 75.5329% | 1,278 |
| Net loans and leases to deposits | 85.0516% | 1,946 |
| Net loans and leases to core deposits | 117.6392% | 467 |
| Total domestic deposits to total assets | 88.8083% | 1,384 |
| Equity capital to assets | 10.6114% | 3,411 |
| Core capital (leverage) ratio | 10.1913% | 3,352 |
| Tier 1 risk-based capital ratio | 27.8661% | 658 |
| Total risk-based capital ratio | 29.1504% | 642 |
| Memoranda: | ||
| Average total assets | $63,079,500 | 5,424 |
| Average earning assets | $60,768,500 | 5,337 |
| Average equity | $6,686,000 | 5,467 |
| Average total loans | $48,686,500 | 4,826 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 910 |
| Cost of funding earning assets | 0.3348% | 4,436 |
| Net interest margin | 4.5768% | 644 |
| Noninterest income to average assets | 1.5891% | 502 |
| Noninterest expense to average assets | 6.0568% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0954% | 6,152 |
| Return on assets (ROA) | -0.0954% | 6,159 |
| Pretax return on assets | -0.0954% | 6,138 |
| Return on Equity (ROE) | -1.0441% | 6,170 |
| Retained earnings to average equity (ytd only) | -1.0441% | 5,926 |
| Net charge-offs to loans | 0.5047% | 810 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.2289% | 4,739 |
| Efficiency ratio | 101.6011% | 336 |
| Assets per employee ($millions) | 2.6431% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9144% | 1,287 |
| Loan loss allowance to noncurrent loans | 87.1058% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.6994% | 1,572 |
| Noncurrent loans to loans | 2.1978% | 1,213 |
| Net loans and leases to total assets | 75.8442% | 1,291 |
| Net loans and leases to deposits | 85.2971% | 2,060 |
| Net loans and leases to core deposits | 117.4069% | 489 |
| Total domestic deposits to total assets | 88.9176% | 1,280 |
| Equity capital to assets | 10.5874% | 3,376 |
| Core capital (leverage) ratio | 10.4593% | 2,996 |
| Tier 1 risk-based capital ratio | 26.4742% | 724 |
| Total risk-based capital ratio | 27.6631% | 712 |
| Memoranda: | ||
| Average total assets | $59,717,800 | 5,557 |
| Average earning assets | $57,048,400 | 5,486 |
| Average equity | $5,459,200 | 5,750 |
| Average total loans | $49,332,400 | 4,842 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 945 |
| Cost of funding earning assets | 0.3360% | 4,510 |
| Net interest margin | 4.5558% | 679 |
| Noninterest income to average assets | 1.7168% | 444 |
| Noninterest expense to average assets | 6.1348% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0816% | 6,207 |
| Return on assets (ROA) | -0.0816% | 6,210 |
| Pretax return on assets | -0.0816% | 6,189 |
| Return on Equity (ROE) | -0.9329% | 6,219 |
| Retained earnings to average equity (ytd only) | -0.9329% | 5,952 |
| Net charge-offs to loans | 0.1943% | 1,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 4,499 |
| Efficiency ratio | 101.3488% | 339 |
| Assets per employee ($millions) | 2.6156% | 6,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2015% | 948 |
| Loan loss allowance to noncurrent loans | 34.2226% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 5.1947% | 315 |
| Noncurrent loans to loans | 6.4328% | 200 |
| Net loans and leases to total assets | 78.9757% | 840 |
| Net loans and leases to deposits | 86.7064% | 1,829 |
| Net loans and leases to core deposits | 117.3420% | 455 |
| Total domestic deposits to total assets | 91.0840% | 339 |
| Equity capital to assets | 8.3441% | 5,910 |
| Core capital (leverage) ratio | 8.8760% | 5,223 |
| Tier 1 risk-based capital ratio | 18.7911% | 1,962 |
| Total risk-based capital ratio | 20.0740% | 1,920 |
| Memoranda: | ||
| Average total assets | $58,788,750 | 5,640 |
| Average earning assets | $55,956,250 | 5,582 |
| Average equity | $5,145,000 | 5,887 |
| Average total loans | $49,403,000 | 4,885 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 1,103 |
| Cost of funding earning assets | 0.3282% | 4,664 |
| Net interest margin | 4.4528% | 773 |
| Noninterest income to average assets | 0.9990% | 1,202 |
| Noninterest expense to average assets | 6.2513% | 166 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.0024% | 6,526 |
| Return on assets (ROA) | -1.0024% | 6,526 |
| Pretax return on assets | -1.0024% | 6,508 |
| Return on Equity (ROE) | -11.2632% | 6,527 |
| Retained earnings to average equity (ytd only) | -11.2632% | 6,447 |
| Net charge-offs to loans | -0.2491% | 6,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.0981% | 149 |
| Assets per employee ($millions) | 2.3955% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5554% | 663 |
| Loan loss allowance to noncurrent loans | 36.8111% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 5.9016% | 261 |
| Noncurrent loans to loans | 6.9421% | 179 |
| Net loans and leases to total assets | 82.8397% | 388 |
| Net loans and leases to deposits | 95.9023% | 812 |
| Net loans and leases to core deposits | 132.3377% | 208 |
| Total domestic deposits to total assets | 86.3792% | 2,833 |
| Equity capital to assets | 8.7089% | 5,606 |
| Core capital (leverage) ratio | 8.8791% | 5,193 |
| Tier 1 risk-based capital ratio | 21.5240% | 1,340 |
| Total risk-based capital ratio | 22.8258% | 1,307 |
| Memoranda: | ||
| Average total assets | $57,460,000 | 5,727 |
| Average earning assets | $54,842,000 | 5,668 |
| Average equity | $5,114,000 | 5,931 |
| Average total loans | $48,973,000 | 4,928 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 734 |
| Cost of funding earning assets | 0.3208% | 4,851 |
| Net interest margin | 4.6668% | 493 |
| Noninterest income to average assets | 0.9540% | 1,248 |
| Noninterest expense to average assets | 6.4620% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.0515% | 6,579 |
| Return on assets (ROA) | -1.0515% | 6,575 |
| Pretax return on assets | -1.0515% | 6,566 |
| Return on Equity (ROE) | -11.6884% | 6,580 |
| Retained earnings to average equity (ytd only) | -11.6884% | 6,408 |
| Net charge-offs to loans | -0.3835% | 6,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.4337% | 177 |
| Assets per employee ($millions) | 2.1711% | 6,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5718% | 746 |
| Loan loss allowance to noncurrent loans | 32.7673% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 6.6769% | 238 |
| Noncurrent loans to loans | 7.8486% | 172 |
| Net loans and leases to total assets | 82.8834% | 304 |
| Net loans and leases to deposits | 91.4843% | 994 |
| Net loans and leases to core deposits | 124.8692% | 243 |
| Total domestic deposits to total assets | 90.5984% | 742 |
| Equity capital to assets | 8.9923% | 5,125 |
| Core capital (leverage) ratio | 8.9956% | 5,016 |
| Tier 1 risk-based capital ratio | 22.0085% | 1,294 |
| Total risk-based capital ratio | 23.3079% | 1,261 |
| Memoranda: | ||
| Average total assets | $57,443,500 | 5,780 |
| Average earning assets | $54,855,500 | 5,709 |
| Average equity | $5,167,500 | 5,955 |
| Average total loans | $49,021,500 | 4,969 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 1,544 |
| Cost of funding earning assets | 0.3387% | 5,255 |
| Net interest margin | 4.3707% | 956 |
| Noninterest income to average assets | 0.9743% | 1,451 |
| Noninterest expense to average assets | 8.6717% | 99 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -3.6072% | 6,781 |
| Return on assets (ROA) | -3.6072% | 6,780 |
| Pretax return on assets | -3.6072% | 6,777 |
| Return on Equity (ROE) | -31.6920% | 6,731 |
| Retained earnings to average equity (ytd only) | -31.6920% | 6,727 |
| Net charge-offs to loans | -0.1386% | 6,551 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.6887% | 139 |
| Assets per employee ($millions) | 2.4350% | 6,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3750% | 956 |
| Loan loss allowance to noncurrent loans | 30.6343% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 6.6360% | 266 |
| Noncurrent loans to loans | 7.7526% | 204 |
| Net loans and leases to total assets | 83.5641% | 285 |
| Net loans and leases to deposits | 92.3644% | 1,017 |
| Net loans and leases to core deposits | 123.7808% | 270 |
| Total domestic deposits to total assets | 90.4721% | 831 |
| Equity capital to assets | 8.9991% | 5,036 |
| Core capital (leverage) ratio | 8.7683% | 5,335 |
| Tier 1 risk-based capital ratio | 21.6337% | 1,312 |
| Total risk-based capital ratio | 22.9281% | 1,285 |
| Memoranda: | ||
| Average total assets | $59,631,000 | 5,767 |
| Average earning assets | $55,802,800 | 5,709 |
| Average equity | $6,787,200 | 5,622 |
| Average total loans | $47,610,200 | 5,045 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 1,708 |
| Cost of funding earning assets | 0.3346% | 5,434 |
| Net interest margin | 4.3289% | 1,028 |
| Noninterest income to average assets | 0.9389% | 1,637 |
| Noninterest expense to average assets | 6.1115% | 195 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.1436% | 6,727 |
| Return on assets (ROA) | -1.1436% | 6,723 |
| Pretax return on assets | -1.1436% | 6,716 |
| Return on Equity (ROE) | -9.5592% | 6,683 |
| Retained earnings to average equity (ytd only) | -9.5592% | 6,630 |
| Net charge-offs to loans | -0.5276% | 6,784 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.0184% | 153 |
| Assets per employee ($millions) | 2.7144% | 6,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6329% | 805 |
| Loan loss allowance to noncurrent loans | 70.6645% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 2.9648% | 1,250 |
| Noncurrent loans to loans | 3.7258% | 992 |
| Net loans and leases to total assets | 77.4795% | 806 |
| Net loans and leases to deposits | 87.5892% | 1,418 |
| Net loans and leases to core deposits | 121.6538% | 298 |
| Total domestic deposits to total assets | 88.4578% | 1,862 |
| Equity capital to assets | 11.0889% | 2,681 |
| Core capital (leverage) ratio | 9.4288% | 4,506 |
| Tier 1 risk-based capital ratio | 23.6440% | 1,051 |
| Total risk-based capital ratio | 24.9330% | 1,027 |
| Memoranda: | ||
| Average total assets | $59,929,000 | 5,823 |
| Average earning assets | $55,778,750 | 5,765 |
| Average equity | $7,169,250 | 5,590 |
| Average total loans | $47,007,250 | 5,113 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5739% | 1,928 |
| Cost of funding earning assets | 0.3348% | 5,527 |
| Net interest margin | 4.2392% | 1,168 |
| Noninterest income to average assets | 0.8766% | 1,906 |
| Noninterest expense to average assets | 6.1562% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.3368% | 6,792 |
| Return on assets (ROA) | -1.3368% | 6,795 |
| Pretax return on assets | -1.3368% | 6,785 |
| Return on Equity (ROE) | -10.8946% | 6,752 |
| Retained earnings to average equity (ytd only) | -10.8946% | 6,684 |
| Net charge-offs to loans | -0.5117% | 6,827 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.7388% | 143 |
| Assets per employee ($millions) | 2.3750% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6149% | 870 |
| Loan loss allowance to noncurrent loans | 55.2139% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 3.9368% | 891 |
| Noncurrent loans to loans | 4.7359% | 707 |
| Net loans and leases to total assets | 80.9530% | 445 |
| Net loans and leases to deposits | 98.6404% | 508 |
| Net loans and leases to core deposits | 142.0777% | 122 |
| Total domestic deposits to total assets | 82.0687% | 5,038 |
| Equity capital to assets | 12.3612% | 1,667 |
| Core capital (leverage) ratio | 10.2889% | 3,113 |
| Tier 1 risk-based capital ratio | 23.5783% | 1,052 |
| Total risk-based capital ratio | 24.8702% | 1,025 |
| Memoranda: | ||
| Average total assets | $59,094,670 | 5,872 |
| Average earning assets | $54,963,670 | 5,825 |
| Average equity | $7,251,330 | 5,611 |
| Average total loans | $46,116,330 | 5,182 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4498% | 2,348 |
| Cost of funding earning assets | 0.3428% | 5,619 |
| Net interest margin | 4.1070% | 1,438 |
| Noninterest income to average assets | 0.6318% | 2,966 |
| Noninterest expense to average assets | 6.0923% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.6361% | 6,892 |
| Return on assets (ROA) | -1.6361% | 6,896 |
| Pretax return on assets | -1.6361% | 6,886 |
| Return on Equity (ROE) | -13.3805% | 6,848 |
| Retained earnings to average equity (ytd only) | -13.3805% | 6,705 |
| Net charge-offs to loans | -0.8267% | 6,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.7164% | 117 |
| Assets per employee ($millions) | 2.4435% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7246% | 888 |
| Loan loss allowance to noncurrent loans | 53.6155% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 3.8674% | 1,059 |
| Noncurrent loans to loans | 5.0818% | 738 |
| Net loans and leases to total assets | 74.0297% | 1,073 |
| Net loans and leases to deposits | 84.8974% | 1,485 |
| Net loans and leases to core deposits | 113.2490% | 410 |
| Total domestic deposits to total assets | 87.1990% | 2,835 |
| Equity capital to assets | 12.3269% | 1,823 |
| Core capital (leverage) ratio | 9.8829% | 3,551 |
| Tier 1 risk-based capital ratio | 28.3111% | 624 |
| Total risk-based capital ratio | 29.6185% | 611 |
| Memoranda: | ||
| Average total assets | $60,141,500 | 5,903 |
| Average earning assets | $56,002,000 | 5,850 |
| Average equity | $7,354,000 | 5,649 |
| Average total loans | $45,483,000 | 5,236 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7173% | 2,529 |
| Cost of funding earning assets | 0.5155% | 5,109 |
| Net interest margin | 4.2018% | 1,660 |
| Noninterest income to average assets | 0.9779% | 1,601 |
| Noninterest expense to average assets | 6.1177% | 212 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -1.2641% | 6,808 |
| Return on assets (ROA) | -1.2641% | 6,823 |
| Pretax return on assets | -1.2641% | 6,793 |
| Return on Equity (ROE) | -10.6557% | 6,737 |
| Retained earnings to average equity (ytd only) | -10.6557% | 6,658 |
| Net charge-offs to loans | 0.7541% | 1,554 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -2.2316% | 5,843 |
| Efficiency ratio | 126.0442% | 170 |
| Assets per employee ($millions) | 2.3707% | 6,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4214% | 1,206 |
| Loan loss allowance to noncurrent loans | 49.1243% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 3.8077% | 1,152 |
| Noncurrent loans to loans | 4.9292% | 821 |
| Net loans and leases to total assets | 73.3529% | 1,279 |
| Net loans and leases to deposits | 84.0409% | 1,751 |
| Net loans and leases to core deposits | 111.4496% | 489 |
| Total domestic deposits to total assets | 87.2824% | 2,655 |
| Equity capital to assets | 12.1336% | 1,956 |
| Core capital (leverage) ratio | 10.3040% | 3,008 |
| Tier 1 risk-based capital ratio | 27.9950% | 628 |
| Total risk-based capital ratio | 29.2954% | 610 |
| Memoranda: | ||
| Average total assets | $67,083,600 | 5,709 |
| Average earning assets | $61,878,200 | 5,678 |
| Average equity | $7,958,200 | 5,518 |
| Average total loans | $50,393,600 | 5,090 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 2,592 |
| Cost of funding earning assets | 0.5500% | 5,089 |
| Net interest margin | 4.1971% | 1,744 |
| Noninterest income to average assets | 0.8805% | 1,906 |
| Noninterest expense to average assets | 5.9316% | 218 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -1.1863% | 6,905 |
| Return on assets (ROA) | -1.1863% | 6,927 |
| Pretax return on assets | -1.1863% | 6,910 |
| Return on Equity (ROE) | -10.0517% | 6,863 |
| Retained earnings to average equity (ytd only) | -10.0517% | 6,817 |
| Net charge-offs to loans | 0.2308% | 3,339 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -6.8429% | 5,729 |
| Efficiency ratio | 125.0000% | 169 |
| Assets per employee ($millions) | 2.6786% | 6,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8786% | 822 |
| Loan loss allowance to noncurrent loans | 45.7430% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 5.1162% | 861 |
| Noncurrent loans to loans | 6.2930% | 623 |
| Net loans and leases to total assets | 77.3812% | 809 |
| Net loans and leases to deposits | 89.1284% | 1,243 |
| Net loans and leases to core deposits | 119.6732% | 318 |
| Total domestic deposits to total assets | 86.8199% | 2,789 |
| Equity capital to assets | 12.5714% | 1,845 |
| Core capital (leverage) ratio | 9.7607% | 3,855 |
| Tier 1 risk-based capital ratio | 26.5793% | 775 |
| Total risk-based capital ratio | 27.8892% | 753 |
| Memoranda: | ||
| Average total assets | $68,444,750 | 5,729 |
| Average earning assets | $63,026,000 | 5,698 |
| Average equity | $8,078,000 | 5,537 |
| Average total loans | $51,408,000 | 5,108 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 3,181 |
| Cost of funding earning assets | 0.5600% | 5,230 |
| Net interest margin | 4.0803% | 2,164 |
| Noninterest income to average assets | 0.7098% | 2,614 |
| Noninterest expense to average assets | 5.5342% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.0746% | 6,930 |
| Return on assets (ROA) | -1.0746% | 6,946 |
| Pretax return on assets | -1.0746% | 6,918 |
| Return on Equity (ROE) | -9.2807% | 6,892 |
| Retained earnings to average equity (ytd only) | -9.2807% | 6,815 |
| Net charge-offs to loans | -0.1763% | 6,972 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.0964% | 201 |
| Assets per employee ($millions) | 3.0428% | 5,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0311% | 757 |
| Loan loss allowance to noncurrent loans | 46.8381% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 4.6121% | 1,060 |
| Noncurrent loans to loans | 6.4715% | 650 |
| Net loans and leases to total assets | 67.8142% | 2,310 |
| Net loans and leases to deposits | 76.5433% | 2,909 |
| Net loans and leases to core deposits | 98.9213% | 1,178 |
| Total domestic deposits to total assets | 88.5958% | 1,757 |
| Equity capital to assets | 10.9304% | 3,195 |
| Core capital (leverage) ratio | 9.9889% | 3,433 |
| Tier 1 risk-based capital ratio | 26.8341% | 737 |
| Total risk-based capital ratio | 28.1471% | 720 |
| Memoranda: | ||
| Average total assets | $70,723,670 | 5,711 |
| Average earning assets | $64,995,000 | 5,674 |
| Average equity | $8,189,000 | 5,515 |
| Average total loans | $52,182,000 | 5,104 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 3,012 |
| Cost of funding earning assets | 0.5921% | 5,194 |
| Net interest margin | 4.1198% | 2,030 |
| Noninterest income to average assets | 1.0406% | 1,333 |
| Noninterest expense to average assets | 5.8299% | 223 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.9487% | 6,989 |
| Return on assets (ROA) | -0.9487% | 7,005 |
| Pretax return on assets | -0.9487% | 6,968 |
| Return on Equity (ROE) | -7.9590% | 6,951 |
| Retained earnings to average equity (ytd only) | -7.9590% | 6,763 |
| Net charge-offs to loans | -0.1593% | 6,936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.4346% | 223 |
| Assets per employee ($millions) | 2.6758% | 6,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9518% | 874 |
| Loan loss allowance to noncurrent loans | 44.4153% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 5.2436% | 972 |
| Noncurrent loans to loans | 6.6459% | 711 |
| Net loans and leases to total assets | 71.9740% | 1,405 |
| Net loans and leases to deposits | 82.0896% | 1,927 |
| Net loans and leases to core deposits | 114.1473% | 425 |
| Total domestic deposits to total assets | 87.6773% | 2,538 |
| Equity capital to assets | 11.8023% | 2,183 |
| Core capital (leverage) ratio | 9.9605% | 3,406 |
| Tier 1 risk-based capital ratio | 27.0330% | 728 |
| Total risk-based capital ratio | 28.3416% | 705 |
| Memoranda: | ||
| Average total assets | $69,572,500 | 5,789 |
| Average earning assets | $64,858,000 | 5,728 |
| Average equity | $8,292,500 | 5,502 |
| Average total loans | $52,738,000 | 5,115 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 2,449 |
| Cost of funding earning assets | 0.8303% | 4,623 |
| Net interest margin | 4.2720% | 1,799 |
| Noninterest income to average assets | 0.7694% | 2,236 |
| Noninterest expense to average assets | 5.1969% | 331 |
| Loan and lease loss provision to assets | 0.0835% | 5,567 |
| Net operating income to assets | -0.4997% | 6,488 |
| Return on assets (ROA) | -0.4997% | 6,535 |
| Pretax return on assets | -0.4997% | 6,495 |
| Return on Equity (ROE) | -5.0728% | 6,532 |
| Retained earnings to average equity (ytd only) | -5.0728% | 6,453 |
| Net charge-offs to loans | 1.5190% | 1,055 |
| Credit loss provision to net charge-offs | 7.3864% | 6,027 |
| Earnings coverage of net charge-offs (x) | -0.3682% | 6,033 |
| Efficiency ratio | 108.7050% | 458 |
| Assets per employee ($millions) | 2.4848% | 6,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7877% | 993 |
| Loan loss allowance to noncurrent loans | 45.7091% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 5.0378% | 1,058 |
| Noncurrent loans to loans | 6.0987% | 802 |
| Net loans and leases to total assets | 75.2839% | 1,054 |
| Net loans and leases to deposits | 86.0532% | 1,662 |
| Net loans and leases to core deposits | 106.3254% | 783 |
| Total domestic deposits to total assets | 87.4853% | 2,478 |
| Equity capital to assets | 12.0361% | 2,098 |
| Core capital (leverage) ratio | 9.4891% | 4,040 |
| Tier 1 risk-based capital ratio | 25.9955% | 778 |
| Total risk-based capital ratio | 27.2953% | 763 |
| Memoranda: | ||
| Average total assets | $77,853,800 | 5,511 |
| Average earning assets | $73,103,800 | 5,439 |
| Average equity | $7,668,400 | 5,672 |
| Average total loans | $57,933,000 | 4,953 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1661% | 2,323 |
| Cost of funding earning assets | 0.8690% | 4,644 |
| Net interest margin | 4.2971% | 1,726 |
| Noninterest income to average assets | 0.6990% | 2,615 |
| Noninterest expense to average assets | 4.9479% | 389 |
| Loan and lease loss provision to assets | 0.1084% | 5,082 |
| Net operating income to assets | -0.3153% | 6,513 |
| Return on assets (ROA) | -0.3153% | 6,567 |
| Pretax return on assets | -0.3153% | 6,504 |
| Return on Equity (ROE) | -3.3635% | 6,587 |
| Retained earnings to average equity (ytd only) | -3.3635% | 6,458 |
| Net charge-offs to loans | 1.8276% | 727 |
| Credit loss provision to net charge-offs | 8.0446% | 5,680 |
| Earnings coverage of net charge-offs (x) | -0.1535% | 5,697 |
| Efficiency ratio | 104.3631% | 541 |
| Assets per employee ($millions) | 2.8927% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7549% | 1,071 |
| Loan loss allowance to noncurrent loans | 160.1221% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 1.4840% | 3,891 |
| Noncurrent loans to loans | 1.7205% | 3,734 |
| Net loans and leases to total assets | 68.5960% | 2,353 |
| Net loans and leases to deposits | 77.1945% | 3,135 |
| Net loans and leases to core deposits | 100.8989% | 1,170 |
| Total domestic deposits to total assets | 88.8612% | 1,510 |
| Equity capital to assets | 10.6203% | 3,551 |
| Core capital (leverage) ratio | 9.0629% | 4,835 |
| Tier 1 risk-based capital ratio | 25.2196% | 895 |
| Total risk-based capital ratio | 26.5231% | 882 |
| Memoranda: | ||
| Average total assets | $79,923,750 | 5,509 |
| Average earning assets | $75,181,000 | 5,413 |
| Average equity | $7,492,000 | 5,747 |
| Average total loans | $58,946,250 | 4,944 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2668% | 2,000 |
| Cost of funding earning assets | 0.9019% | 4,650 |
| Net interest margin | 4.3649% | 1,478 |
| Noninterest income to average assets | 0.6008% | 3,139 |
| Noninterest expense to average assets | 4.9418% | 388 |
| Loan and lease loss provision to assets | -0.3393% | 7,466 |
| Net operating income to assets | 0.0980% | 6,026 |
| Return on assets (ROA) | 0.0980% | 6,105 |
| Pretax return on assets | 0.0980% | 6,106 |
| Return on Equity (ROE) | 1.0952% | 6,060 |
| Retained earnings to average equity (ytd only) | 1.0952% | 5,423 |
| Net charge-offs to loans | 2.4920% | 478 |
| Credit loss provision to net charge-offs | -18.1941% | 6,197 |
| Earnings coverage of net charge-offs (x) | -0.1294% | 5,366 |
| Efficiency ratio | 105.1337% | 582 |
| Assets per employee ($millions) | 2.7545% | 6,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4570% | 1,515 |
| Loan loss allowance to noncurrent loans | 135.8491% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 1.6907% | 3,654 |
| Noncurrent loans to loans | 1.8086% | 3,741 |
| Net loans and leases to total assets | 74.1242% | 1,393 |
| Net loans and leases to deposits | 82.1760% | 2,425 |
| Net loans and leases to core deposits | 109.0512% | 754 |
| Total domestic deposits to total assets | 90.2017% | 864 |
| Equity capital to assets | 9.2278% | 5,234 |
| Core capital (leverage) ratio | 7.4547% | 6,774 |
| Tier 1 risk-based capital ratio | 19.0824% | 1,815 |
| Total risk-based capital ratio | 20.3753% | 1,767 |
| Memoranda: | ||
| Average total assets | $79,566,330 | 5,563 |
| Average earning assets | $74,732,330 | 5,474 |
| Average equity | $7,122,000 | 5,888 |
| Average total loans | $59,550,330 | 4,976 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1650% | 2,372 |
| Cost of funding earning assets | 0.9338% | 4,696 |
| Net interest margin | 4.2312% | 1,802 |
| Noninterest income to average assets | 0.7377% | 2,332 |
| Noninterest expense to average assets | 5.2732% | 296 |
| Loan and lease loss provision to assets | -1.1636% | 7,559 |
| Net operating income to assets | 0.5991% | 4,030 |
| Return on assets (ROA) | 0.5991% | 4,097 |
| Pretax return on assets | 0.5991% | 4,687 |
| Return on Equity (ROE) | 6.7935% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.7935% | 2,238 |
| Net charge-offs to loans | 2.2459% | 538 |
| Credit loss provision to net charge-offs | -69.7329% | 5,676 |
| Earnings coverage of net charge-offs (x) | -0.3383% | 4,743 |
| Efficiency ratio | 111.9874% | 459 |
| Assets per employee ($millions) | 2.7118% | 6,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9612% | 948 |
| Loan loss allowance to noncurrent loans | 72.4668% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 3.4918% | 1,954 |
| Noncurrent loans to loans | 4.0863% | 1,762 |
| Net loans and leases to total assets | 72.7131% | 1,571 |
| Net loans and leases to deposits | 80.4386% | 2,629 |
| Net loans and leases to core deposits | 109.5439% | 751 |
| Total domestic deposits to total assets | 90.3957% | 901 |
| Equity capital to assets | 9.1325% | 4,982 |
| Core capital (leverage) ratio | 7.2244% | 6,907 |
| Tier 1 risk-based capital ratio | 18.1937% | 2,056 |
| Total risk-based capital ratio | 19.4980% | 1,994 |
| Memoranda: | ||
| Average total assets | $80,786,500 | 5,568 |
| Average earning assets | $75,818,000 | 5,481 |
| Average equity | $7,124,500 | 5,891 |
| Average total loans | $60,021,000 | 4,999 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 1,894 |
| Cost of funding earning assets | 1.2141% | 4,463 |
| Net interest margin | 4.3837% | 1,539 |
| Noninterest income to average assets | 1.3916% | 750 |
| Noninterest expense to average assets | 5.2460% | 354 |
| Loan and lease loss provision to assets | -1.1939% | 7,655 |
| Net operating income to assets | 1.4468% | 861 |
| Return on assets (ROA) | 1.4435% | 934 |
| Pretax return on assets | 1.4435% | 1,528 |
| Return on Equity (ROE) | 20.7348% | 212 |
| Retained earnings to average equity (ytd only) | 20.7348% | 52 |
| Net charge-offs to loans | 0.2206% | 4,967 |
| Credit loss provision to net charge-offs | -745.5172% | 7,134 |
| Earnings coverage of net charge-offs (x) | 1.5793% | 4,553 |
| Efficiency ratio | 95.4007% | 991 |
| Assets per employee ($millions) | 2.8597% | 6,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7913% | 475 |
| Loan loss allowance to noncurrent loans | 88.9443% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 3.6126% | 1,904 |
| Noncurrent loans to loans | 4.2625% | 1,701 |
| Net loans and leases to total assets | 70.8987% | 2,333 |
| Net loans and leases to deposits | 77.9863% | 3,514 |
| Net loans and leases to core deposits | 104.2389% | 1,297 |
| Total domestic deposits to total assets | 90.9117% | 643 |
| Equity capital to assets | 8.5215% | 5,824 |
| Core capital (leverage) ratio | 6.8183% | 7,102 |
| Tier 1 risk-based capital ratio | 16.2241% | 2,649 |
| Total risk-based capital ratio | 17.5431% | 2,576 |
| Memoranda: | ||
| Average total assets | $90,545,600 | 5,274 |
| Average earning assets | $84,836,600 | 5,185 |
| Average equity | $6,303,400 | 6,273 |
| Average total loans | $65,744,400 | 4,836 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6200% | 1,994 |
| Cost of funding earning assets | 1.2645% | 4,467 |
| Net interest margin | 4.3555% | 1,662 |
| Noninterest income to average assets | 1.7465% | 470 |
| Noninterest expense to average assets | 5.1760% | 327 |
| Loan and lease loss provision to assets | -0.4687% | 7,748 |
| Net operating income to assets | 1.1177% | 1,832 |
| Return on assets (ROA) | 1.1177% | 1,941 |
| Pretax return on assets | 1.1177% | 2,772 |
| Return on Equity (ROE) | 16.9049% | 595 |
| Retained earnings to average equity (ytd only) | 16.9049% | 139 |
| Net charge-offs to loans | 0.6138% | 2,904 |
| Credit loss provision to net charge-offs | -105.5195% | 6,913 |
| Earnings coverage of net charge-offs (x) | 1.4610% | 4,633 |
| Efficiency ratio | 88.8586% | 1,378 |
| Assets per employee ($millions) | 2.9344% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6358% | 232 |
| Loan loss allowance to noncurrent loans | 75.7813% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 4.9471% | 1,309 |
| Noncurrent loans to loans | 6.1174% | 1,010 |
| Net loans and leases to total assets | 68.0003% | 3,216 |
| Net loans and leases to deposits | 73.8928% | 4,530 |
| Net loans and leases to core deposits | 110.7120% | 999 |
| Total domestic deposits to total assets | 92.0256% | 190 |
| Equity capital to assets | 7.4348% | 7,162 |
| Core capital (leverage) ratio | 5.7911% | 7,463 |
| Tier 1 risk-based capital ratio | 13.9566% | 3,874 |
| Total risk-based capital ratio | 15.2909% | 3,775 |
| Memoranda: | ||
| Average total assets | $92,449,250 | 5,273 |
| Average earning assets | $86,570,000 | 5,188 |
| Average equity | $6,112,500 | 6,413 |
| Average total loans | $66,902,000 | 4,872 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5444% | 2,353 |
| Cost of funding earning assets | 1.3004% | 4,538 |
| Net interest margin | 4.2440% | 1,991 |
| Noninterest income to average assets | 2.1720% | 314 |
| Noninterest expense to average assets | 5.2448% | 318 |
| Loan and lease loss provision to assets | -0.6921% | 7,817 |
| Net operating income to assets | 1.6013% | 726 |
| Return on assets (ROA) | 1.6013% | 779 |
| Pretax return on assets | 1.6013% | 1,296 |
| Return on Equity (ROE) | 25.1997% | 119 |
| Retained earnings to average equity (ytd only) | 25.1997% | 46 |
| Net charge-offs to loans | -0.2695% | 7,677 |
| Credit loss provision to net charge-offs | 353.2609% | 1,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2249% | 1,796 |
| Assets per employee ($millions) | 2.9522% | 6,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0690% | 168 |
| Loan loss allowance to noncurrent loans | 99.5788% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 4.0319% | 1,710 |
| Noncurrent loans to loans | 5.0904% | 1,349 |
| Net loans and leases to total assets | 67.7335% | 3,448 |
| Net loans and leases to deposits | 73.5984% | 4,739 |
| Net loans and leases to core deposits | 124.5159% | 557 |
| Total domestic deposits to total assets | 92.0312% | 214 |
| Equity capital to assets | 7.1734% | 7,286 |
| Core capital (leverage) ratio | 5.5377% | 7,547 |
| Tier 1 risk-based capital ratio | 13.0793% | 4,373 |
| Total risk-based capital ratio | 14.3771% | 4,301 |
| Memoranda: | ||
| Average total assets | $93,921,670 | 5,252 |
| Average earning assets | $88,124,670 | 5,168 |
| Average equity | $5,968,330 | 6,477 |
| Average total loans | $68,278,670 | 4,852 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2731% | 3,675 |
| Cost of funding earning assets | 1.3396% | 4,566 |
| Net interest margin | 3.9335% | 3,183 |
| Noninterest income to average assets | 1.2910% | 726 |
| Noninterest expense to average assets | 5.5675% | 266 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.5845% | 6,884 |
| Return on assets (ROA) | -0.5845% | 6,917 |
| Pretax return on assets | -0.5845% | 6,839 |
| Return on Equity (ROE) | -9.8060% | 7,132 |
| Retained earnings to average equity (ytd only) | -9.8060% | 6,955 |
| Net charge-offs to loans | 0.4013% | 2,837 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -1.9857% | 5,471 |
| Efficiency ratio | 111.7300% | 566 |
| Assets per employee ($millions) | 2.6817% | 6,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0030% | 174 |
| Loan loss allowance to noncurrent loans | 78.6102% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 5.2897% | 1,186 |
| Noncurrent loans to loans | 6.3643% | 990 |
| Net loans and leases to total assets | 72.3256% | 2,380 |
| Net loans and leases to deposits | 77.5149% | 4,130 |
| Net loans and leases to core deposits | 153.6499% | 219 |
| Total domestic deposits to total assets | 93.3054% | 104 |
| Equity capital to assets | 6.1331% | 7,604 |
| Core capital (leverage) ratio | 4.4345% | 7,746 |
| Tier 1 risk-based capital ratio | 10.3548% | 6,755 |
| Total risk-based capital ratio | 11.6961% | 6,680 |
| Memoranda: | ||
| Average total assets | $95,123,000 | 5,283 |
| Average earning assets | $89,283,500 | 5,185 |
| Average equity | $5,670,000 | 6,629 |
| Average total loans | $69,768,500 | 4,871 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8699% | 2,373 |
| Cost of funding earning assets | 2.0858% | 2,538 |
| Net interest margin | 3.7841% | 3,779 |
| Noninterest income to average assets | 0.7962% | 2,422 |
| Noninterest expense to average assets | 5.6658% | 359 |
| Loan and lease loss provision to assets | 4.7022% | 235 |
| Net operating income to assets | -6.4551% | 7,860 |
| Return on assets (ROA) | -6.4551% | 7,852 |
| Pretax return on assets | -6.0412% | 7,807 |
| Return on Equity (ROE) | -68.4175% | 7,801 |
| Retained earnings to average equity (ytd only) | -68.4175% | 7,798 |
| Net charge-offs to loans | 4.3325% | 348 |
| Credit loss provision to net charge-offs | 133.4833% | 3,735 |
| Earnings coverage of net charge-offs (x) | -0.3801% | 6,609 |
| Efficiency ratio | 130.9453% | 471 |
| Assets per employee ($millions) | 2.6071% | 7,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0528% | 169 |
| Loan loss allowance to noncurrent loans | 89.5375% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 4.7079% | 1,346 |
| Noncurrent loans to loans | 5.6433% | 1,136 |
| Net loans and leases to total assets | 67.2023% | 3,877 |
| Net loans and leases to deposits | 71.6241% | 5,380 |
| Net loans and leases to core deposits | 158.2693% | 360 |
| Total domestic deposits to total assets | 93.8265% | 81 |
| Equity capital to assets | 5.8021% | 7,691 |
| Core capital (leverage) ratio | 4.1722% | 7,835 |
| Tier 1 risk-based capital ratio | 10.0303% | 6,847 |
| Total risk-based capital ratio | 11.3107% | 6,787 |
| Memoranda: | ||
| Average total assets | $100,974,000 | 5,068 |
| Average earning assets | $94,210,200 | 5,004 |
| Average equity | $9,526,800 | 5,439 |
| Average total loans | $82,100,400 | 4,442 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9599% | 2,197 |
| Cost of funding earning assets | 2.2082% | 2,373 |
| Net interest margin | 3.7518% | 3,858 |
| Noninterest income to average assets | 0.7820% | 2,533 |
| Noninterest expense to average assets | 5.6644% | 352 |
| Loan and lease loss provision to assets | 4.2095% | 260 |
| Net operating income to assets | -5.5973% | 7,896 |
| Return on assets (ROA) | -5.5973% | 7,894 |
| Pretax return on assets | -5.5973% | 7,876 |
| Return on Equity (ROE) | -54.2283% | 7,865 |
| Retained earnings to average equity (ytd only) | -54.2283% | 7,858 |
| Net charge-offs to loans | 2.7498% | 648 |
| Credit loss provision to net charge-offs | 182.5071% | 2,500 |
| Earnings coverage of net charge-offs (x) | -0.6017% | 6,522 |
| Efficiency ratio | 132.4524% | 449 |
| Assets per employee ($millions) | 2.5968% | 7,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4357% | 219 |
| Loan loss allowance to noncurrent loans | 97.6864% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 4.1648% | 1,509 |
| Noncurrent loans to loans | 4.5407% | 1,530 |
| Net loans and leases to total assets | 78.8180% | 1,420 |
| Net loans and leases to deposits | 86.1579% | 3,286 |
| Net loans and leases to core deposits | 145.6329% | 705 |
| Total domestic deposits to total assets | 91.4808% | 260 |
| Equity capital to assets | 7.7182% | 7,133 |
| Core capital (leverage) ratio | 6.4260% | 7,695 |
| Tier 1 risk-based capital ratio | 13.8445% | 3,631 |
| Total risk-based capital ratio | 15.0478% | 3,613 |
| Memoranda: | ||
| Average total assets | $101,450,500 | 5,083 |
| Average earning assets | $94,495,250 | 5,023 |
| Average equity | $10,471,500 | 5,214 |
| Average total loans | $85,095,750 | 4,393 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8372% | 2,864 |
| Cost of funding earning assets | 2.3379% | 2,210 |
| Net interest margin | 3.4993% | 4,803 |
| Noninterest income to average assets | 0.7671% | 2,608 |
| Noninterest expense to average assets | 5.7569% | 346 |
| Loan and lease loss provision to assets | 0.0954% | 6,211 |
| Net operating income to assets | -1.8163% | 7,373 |
| Return on assets (ROA) | -1.8163% | 7,366 |
| Pretax return on assets | -1.8163% | 7,221 |
| Return on Equity (ROE) | -16.1918% | 7,388 |
| Retained earnings to average equity (ytd only) | -16.1918% | 7,311 |
| Net charge-offs to loans | 1.3686% | 1,369 |
| Credit loss provision to net charge-offs | 8.2616% | 6,201 |
| Earnings coverage of net charge-offs (x) | -1.4905% | 6,311 |
| Efficiency ratio | 142.6391% | 411 |
| Assets per employee ($millions) | 2.4980% | 7,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1124% | 1,374 |
| Loan loss allowance to noncurrent loans | 28.5154% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 6.5723% | 686 |
| Noncurrent loans to loans | 7.4081% | 636 |
| Net loans and leases to total assets | 84.3583% | 584 |
| Net loans and leases to deposits | 95.6623% | 1,849 |
| Net loans and leases to core deposits | 135.8070% | 1,224 |
| Total domestic deposits to total assets | 88.1834% | 1,682 |
| Equity capital to assets | 10.9749% | 2,944 |
| Core capital (leverage) ratio | 9.4847% | 3,912 |
| Tier 1 risk-based capital ratio | 18.4619% | 1,885 |
| Total risk-based capital ratio | 19.7404% | 1,829 |
| Memoranda: | ||
| Average total assets | $100,643,670 | 5,144 |
| Average earning assets | $94,018,000 | 5,068 |
| Average equity | $11,289,670 | 5,003 |
| Average total loans | $84,904,670 | 4,432 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6027% | 4,335 |
| Cost of funding earning assets | 2.4211% | 2,202 |
| Net interest margin | 3.1816% | 5,920 |
| Noninterest income to average assets | 0.7207% | 2,759 |
| Noninterest expense to average assets | 5.4531% | 371 |
| Loan and lease loss provision to assets | 1.2078% | 1,071 |
| Net operating income to assets | -2.9582% | 7,840 |
| Return on assets (ROA) | -2.9582% | 7,841 |
| Pretax return on assets | -2.9582% | 7,744 |
| Return on Equity (ROE) | -26.0927% | 7,860 |
| Retained earnings to average equity (ytd only) | -26.0927% | 7,791 |
| Net charge-offs to loans | 2.9038% | 441 |
| Credit loss provision to net charge-offs | 49.8366% | 4,692 |
| Earnings coverage of net charge-offs (x) | -0.7222% | 5,310 |
| Efficiency ratio | 147.2727% | 368 |
| Assets per employee ($millions) | 2.6368% | 7,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4295% | 819 |
| Loan loss allowance to noncurrent loans | 46.9360% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 4.2941% | 1,155 |
| Noncurrent loans to loans | 5.1762% | 1,034 |
| Net loans and leases to total assets | 77.8688% | 1,852 |
| Net loans and leases to deposits | 87.6304% | 3,349 |
| Net loans and leases to core deposits | 132.1911% | 1,522 |
| Total domestic deposits to total assets | 88.8604% | 1,300 |
| Equity capital to assets | 10.5147% | 3,448 |
| Core capital (leverage) ratio | 9.2468% | 4,329 |
| Tier 1 risk-based capital ratio | 19.3115% | 1,753 |
| Total risk-based capital ratio | 20.5381% | 1,715 |
| Memoranda: | ||
| Average total assets | $101,006,000 | 5,150 |
| Average earning assets | $94,669,000 | 5,067 |
| Average equity | $11,451,500 | 4,993 |
| Average total loans | $84,302,500 | 4,485 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5695% | 359 |
| Cost of funding earning assets | 3.0000% | 1,861 |
| Net interest margin | 4.5695% | 1,252 |
| Noninterest income to average assets | 0.5609% | 4,152 |
| Noninterest expense to average assets | 4.8082% | 707 |
| Loan and lease loss provision to assets | 2.8358% | 332 |
| Net operating income to assets | -2.8514% | 7,787 |
| Return on assets (ROA) | -2.8514% | 7,758 |
| Pretax return on assets | -2.8514% | 7,670 |
| Return on Equity (ROE) | -24.0043% | 7,845 |
| Retained earnings to average equity (ytd only) | -24.0043% | 7,785 |
| Net charge-offs to loans | 1.5337% | 752 |
| Credit loss provision to net charge-offs | 215.4930% | 2,239 |
| Earnings coverage of net charge-offs (x) | -0.0119% | 6,250 |
| Efficiency ratio | 100.3257% | 968 |
| Assets per employee ($millions) | 2.4754% | 7,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7857% | 520 |
| Loan loss allowance to noncurrent loans | 60.2922% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 4.2189% | 943 |
| Noncurrent loans to loans | 4.6203% | 1,024 |
| Net loans and leases to total assets | 85.0198% | 734 |
| Net loans and leases to deposits | 97.5551% | 2,185 |
| Net loans and leases to core deposits | 124.2191% | 2,307 |
| Total domestic deposits to total assets | 87.1505% | 1,865 |
| Equity capital to assets | 12.2363% | 2,145 |
| Core capital (leverage) ratio | 9.9539% | 3,489 |
| Tier 1 risk-based capital ratio | 21.6687% | 1,360 |
| Total risk-based capital ratio | 22.9630% | 1,316 |
| Memoranda: | ||
| Average total assets | $102,511,800 | 4,977 |
| Average earning assets | $94,933,400 | 4,950 |
| Average equity | $12,177,000 | 4,783 |
| Average total loans | $87,959,200 | 4,289 |