Home > Old Glory Bank > Performance and Condition Ratios
Old Glory Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 3,115 |
| Cost of funding earning assets | 0.4424% | 4,253 |
| Net interest margin | 4.0481% | 1,136 |
| Noninterest income to average assets | 4.1200% | 144 |
| Noninterest expense to average assets | 27.7872% | 62 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | -20.0100% | 4,609 |
| Return on assets (ROA) | -20.0100% | 4,609 |
| Pretax return on assets | -20.0100% | 4,609 |
| Return on Equity (ROE) | -114.6500% | 4,580 |
| Retained earnings to average equity (ytd only) | -114.6523% | 4,566 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 355.3958% | 9 |
| Assets per employee ($millions) | 1.3216% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4967% | 4,337 |
| Loan loss allowance to noncurrent loans | 14.1176% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 2,389 |
| Noncurrent loans to loans | 3.5182% | 111 |
| Net loans and leases to total assets | 4.8500% | 4,462 |
| Net loans and leases to deposits | 5.5726% | 4,465 |
| Net loans and leases to core deposits | 5.5726% | 4,485 |
| Total domestic deposits to total assets | 87.0400% | 1,667 |
| Equity capital to assets | 10.9753% | 1,493 |
| Core capital (leverage) ratio | 10.8450% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 93.1749% | 68 |
| Memoranda: | ||
| Average total assets | $57,836,000 | 4,235 |
| Average earning assets | $52,889,600 | 4,219 |
| Average equity | $10,094,000 | 3,709 |
| Average total loans | $5,986,800 | 4,452 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7285% | 4,182 |
| Cost of funding earning assets | 0.2851% | 4,376 |
| Net interest margin | 3.4433% | 2,355 |
| Noninterest income to average assets | 4.7100% | 130 |
| Noninterest expense to average assets | 30.3396% | 58 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | -22.5779% | 4,639 |
| Return on assets (ROA) | -22.5779% | 4,639 |
| Pretax return on assets | -22.5779% | 4,638 |
| Return on Equity (ROE) | -108.3900% | 4,605 |
| Retained earnings to average equity (ytd only) | -108.3856% | 4,592 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 389.2009% | 8 |
| Assets per employee ($millions) | 1.2571% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1723% | 4,469 |
| Loan loss allowance to noncurrent loans | 12.5000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 2,846 |
| Noncurrent loans to loans | 1.3781% | 551 |
| Net loans and leases to total assets | 7.9000% | 4,481 |
| Net loans and leases to deposits | 9.1451% | 4,485 |
| Net loans and leases to core deposits | 9.1451% | 4,470 |
| Total domestic deposits to total assets | 86.4100% | 2,066 |
| Equity capital to assets | 9.4821% | 2,109 |
| Core capital (leverage) ratio | 11.8191% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.3066% | 96 |
| Memoranda: | ||
| Average total assets | $47,514,250 | 4,352 |
| Average earning assets | $42,554,500 | 4,340 |
| Average equity | $9,897,750 | 3,734 |
| Average total loans | $6,275,500 | 4,472 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 4,292 |
| Cost of funding earning assets | 0.0766% | 4,531 |
| Net interest margin | 3.4840% | 2,302 |
| Noninterest income to average assets | 5.7000% | 112 |
| Noninterest expense to average assets | 34.7854% | 51 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | -26.2140% | 4,667 |
| Return on assets (ROA) | -26.2140% | 4,667 |
| Pretax return on assets | -26.2140% | 4,666 |
| Return on Equity (ROE) | -85.6200% | 4,634 |
| Retained earnings to average equity (ytd only) | -85.6210% | 4,617 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 402.5170% | 5 |
| Assets per employee ($millions) | 0.8081% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1828% | 4,505 |
| Loan loss allowance to noncurrent loans | 5.8252% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 1,398 |
| Noncurrent loans to loans | 3.1383% | 132 |
| Net loans and leases to total assets | 12.1000% | 4,498 |
| Net loans and leases to deposits | 15.3861% | 4,495 |
| Net loans and leases to core deposits | 15.3861% | 4,487 |
| Total domestic deposits to total assets | 78.6500% | 3,765 |
| Equity capital to assets | 14.8583% | 539 |
| Core capital (leverage) ratio | 19.4731% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.6097% | 114 |
| Memoranda: | ||
| Average total assets | $34,020,000 | 4,489 |
| Average earning assets | $28,703,000 | 4,477 |
| Average equity | $10,415,667 | 3,684 |
| Average total loans | $6,045,333 | 4,508 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4033% | 2,541 |
| Cost of funding earning assets | 0.0201% | 4,607 |
| Net interest margin | 4.3832% | 707 |
| Noninterest income to average assets | 6.4600% | 113 |
| Noninterest expense to average assets | 39.1694% | 53 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | -29.2685% | 4,691 |
| Return on assets (ROA) | -29.2685% | 4,690 |
| Pretax return on assets | -29.2685% | 4,690 |
| Return on Equity (ROE) | -60.4400% | 4,656 |
| Retained earnings to average equity (ytd only) | -60.4431% | 4,677 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 387.7686% | 6 |
| Assets per employee ($millions) | 0.4170% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3050% | 4,536 |
| Loan loss allowance to noncurrent loans | 5.7143% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 449 |
| Noncurrent loans to loans | 5.3381% | 50 |
| Net loans and leases to total assets | 17.7500% | 4,536 |
| Net loans and leases to deposits | 36.5245% | 4,313 |
| Net loans and leases to core deposits | 36.5245% | 4,356 |
| Total domestic deposits to total assets | 48.5800% | 4,580 |
| Equity capital to assets | 48.3802% | 89 |
| Core capital (leverage) ratio | 39.5119% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 122.4502% | 53 |
| Memoranda: | ||
| Average total assets | $23,957,500 | 4,615 |
| Average earning assets | $19,894,000 | 4,601 |
| Average equity | $11,601,000 | 3,607 |
| Average total loans | $5,786,000 | 4,581 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3337% | 4,699 |
| Cost of funding earning assets | 0.0000% | 4,648 |
| Net interest margin | 0.3337% | 4,697 |
| Noninterest income to average assets | 1.3200% | 401 |
| Noninterest expense to average assets | 4.4676% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -2.8705% | 4,696 |
| Return on assets (ROA) | -2.8705% | 4,695 |
| Pretax return on assets | -2.8705% | 4,696 |
| Return on Equity (ROE) | -11.6700% | 4,667 |
| Retained earnings to average equity (ytd only) | -11.6738% | 4,646 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 279.7386% | 23 |
| Assets per employee ($millions) | 0.7592% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.8213% | 574 |
| Noncurrent loans to loans | 2.7756% | 160 |
| Net loans and leases to total assets | 29.5900% | 4,398 |
| Net loans and leases to deposits | 72.6391% | 2,355 |
| Net loans and leases to core deposits | 72.6391% | 2,670 |
| Total domestic deposits to total assets | 40.7400% | 4,621 |
| Equity capital to assets | 48.4601% | 87 |
| Core capital (leverage) ratio | 61.7877% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 122.5280% | 57 |
| Memoranda: | ||
| Average total assets | $19,160,200 | 4,672 |
| Average earning assets | $16,180,800 | 4,648 |
| Average equity | $4,711,400 | 4,459 |
| Average total loans | $8,955,200 | 4,578 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3113% | 4,528 |
| Cost of funding earning assets | 0.0360% | 4,625 |
| Net interest margin | 2.2753% | 4,421 |
| Noninterest income to average assets | 21.1200% | 73 |
| Noninterest expense to average assets | 21.9918% | 67 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0135% | 2,432 |
| Return on assets (ROA) | 1.0135% | 2,401 |
| Pretax return on assets | 1.0135% | 2,979 |
| Return on Equity (ROE) | 6.4200% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.4203% | 2,585 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 95.4050% | 207 |
| Assets per employee ($millions) | 0.7251% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 1,301 |
| Loan loss allowance to noncurrent loans | 70.8333% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.2412% | 319 |
| Noncurrent loans to loans | 2.1110% | 281 |
| Net loans and leases to total assets | 57.9200% | 2,708 |
| Net loans and leases to deposits | 103.5656% | 246 |
| Net loans and leases to core deposits | 103.5656% | 669 |
| Total domestic deposits to total assets | 55.9200% | 4,640 |
| Equity capital to assets | 16.6992% | 339 |
| Core capital (leverage) ratio | 15.1012% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4986% | 187 |
| Memoranda: | ||
| Average total assets | $17,497,000 | 4,717 |
| Average earning assets | $14,825,500 | 4,693 |
| Average equity | $2,762,000 | 4,670 |
| Average total loans | $9,284,500 | 4,606 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9171% | 4,640 |
| Cost of funding earning assets | 0.0405% | 4,648 |
| Net interest margin | 1.8766% | 4,605 |
| Noninterest income to average assets | 20.4465% | 36 |
| Noninterest expense to average assets | 21.7815% | 35 |
| Loan and lease loss provision to assets | 0.0685% | 1,386 |
| Net operating income to assets | 0.1826% | 4,444 |
| Return on assets (ROA) | 0.1826% | 4,406 |
| Pretax return on assets | 0.1826% | 4,425 |
| Return on Equity (ROE) | 1.1577% | 4,445 |
| Retained earnings to average equity (ytd only) | 1.1577% | 3,957 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8607% | 205 |
| Assets per employee ($millions) | 0.7257% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,434 |
| Loan loss allowance to noncurrent loans | 54.4484% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.4893% | 239 |
| Noncurrent loans to loans | 2.7388% | 193 |
| Net loans and leases to total assets | 53.5669% | 3,007 |
| Net loans and leases to deposits | 100.4772% | 255 |
| Net loans and leases to core deposits | 100.4772% | 655 |
| Total domestic deposits to total assets | 53.3125% | 4,714 |
| Equity capital to assets | 14.8293% | 418 |
| Core capital (leverage) ratio | 14.2879% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4827% | 200 |
| Memoranda: | ||
| Average total assets | $17,528,667 | 4,751 |
| Average earning assets | $14,814,000 | 4,740 |
| Average equity | $2,764,000 | 4,704 |
| Average total loans | $8,968,667 | 4,679 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8760% | 4,649 |
| Cost of funding earning assets | 0.0284% | 4,712 |
| Net interest margin | 1.8476% | 4,601 |
| Noninterest income to average assets | 20.1673% | 36 |
| Noninterest expense to average assets | 21.8518% | 33 |
| Loan and lease loss provision to assets | 0.1424% | 565 |
| Net operating income to assets | -0.2847% | 4,662 |
| Return on assets (ROA) | -0.2847% | 4,649 |
| Pretax return on assets | -0.2847% | 4,634 |
| Return on Equity (ROE) | -1.7474% | 4,628 |
| Retained earnings to average equity (ytd only) | -1.7474% | 4,225 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6557% | 234 |
| Assets per employee ($millions) | 0.7822% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 892 |
| Loan loss allowance to noncurrent loans | 52.7586% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.6853% | 201 |
| Noncurrent loans to loans | 3.3990% | 134 |
| Net loans and leases to total assets | 48.6925% | 3,312 |
| Net loans and leases to deposits | 82.6657% | 961 |
| Net loans and leases to core deposits | 82.6657% | 1,318 |
| Total domestic deposits to total assets | 58.9028% | 4,732 |
| Equity capital to assets | 16.5911% | 289 |
| Core capital (leverage) ratio | 13.9650% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3982% | 155 |
| Memoranda: | ||
| Average total assets | $16,859,000 | 4,777 |
| Average earning assets | $14,072,500 | 4,769 |
| Average equity | $2,747,000 | 4,731 |
| Average total loans | $8,323,000 | 4,708 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0385% | 25 |
| Cost of funding earning assets | 0.0355% | 4,741 |
| Net interest margin | 8.0031% | 22 |
| Noninterest income to average assets | 24.6022% | 35 |
| Noninterest expense to average assets | 29.1165% | 28 |
| Loan and lease loss provision to assets | 0.3133% | 254 |
| Net operating income to assets | 0.6325% | 3,798 |
| Return on assets (ROA) | 0.6325% | 3,850 |
| Pretax return on assets | 1.7175% | 1,102 |
| Return on Equity (ROE) | 4.2104% | 4,171 |
| Retained earnings to average equity (ytd only) | 4.2104% | 3,126 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4799% | 241 |
| Assets per employee ($millions) | 0.7505% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8117% | 844 |
| Loan loss allowance to noncurrent loans | 49.4949% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.7989% | 199 |
| Noncurrent loans to loans | 3.6603% | 132 |
| Net loans and leases to total assets | 48.2556% | 3,478 |
| Net loans and leases to deposits | 78.8110% | 1,316 |
| Net loans and leases to core deposits | 78.8110% | 1,695 |
| Total domestic deposits to total assets | 61.2296% | 4,764 |
| Equity capital to assets | 15.9843% | 383 |
| Core capital (leverage) ratio | 13.4855% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2109% | 175 |
| Memoranda: | ||
| Average total assets | $17,234,200 | 4,818 |
| Average earning assets | $14,094,600 | 4,813 |
| Average equity | $2,588,800 | 4,780 |
| Average total loans | $9,549,200 | 4,734 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9742% | 26 |
| Cost of funding earning assets | 0.0374% | 4,823 |
| Net interest margin | 7.9368% | 22 |
| Noninterest income to average assets | 22.1792% | 37 |
| Noninterest expense to average assets | 27.1556% | 29 |
| Loan and lease loss provision to assets | 0.2986% | 268 |
| Net operating income to assets | 0.2833% | 4,543 |
| Return on assets (ROA) | 0.2833% | 4,566 |
| Pretax return on assets | 1.2173% | 2,874 |
| Return on Equity (ROE) | 1.9149% | 4,604 |
| Retained earnings to average equity (ytd only) | 1.9149% | 4,214 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7130% | 218 |
| Assets per employee ($millions) | 0.6913% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 1,305 |
| Loan loss allowance to noncurrent loans | 43.7086% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.8203% | 227 |
| Noncurrent loans to loans | 3.6928% | 152 |
| Net loans and leases to total assets | 48.4962% | 3,576 |
| Net loans and leases to deposits | 80.3074% | 1,260 |
| Net loans and leases to core deposits | 80.3074% | 1,702 |
| Total domestic deposits to total assets | 60.3882% | 4,838 |
| Equity capital to assets | 15.5024% | 469 |
| Core capital (leverage) ratio | 14.4283% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9195% | 214 |
| Memoranda: | ||
| Average total assets | $17,415,250 | 4,891 |
| Average earning assets | $14,245,500 | 4,885 |
| Average equity | $2,576,250 | 4,855 |
| Average total loans | $9,908,000 | 4,801 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2768% | 24 |
| Cost of funding earning assets | 0.0276% | 4,883 |
| Net interest margin | 8.2492% | 20 |
| Noninterest income to average assets | 23.7875% | 35 |
| Noninterest expense to average assets | 27.1114% | 29 |
| Loan and lease loss provision to assets | 0.2713% | 342 |
| Net operating income to assets | 2.3403% | 270 |
| Return on assets (ROA) | 2.3403% | 287 |
| Pretax return on assets | 3.1656% | 156 |
| Return on Equity (ROE) | 16.0610% | 947 |
| Retained earnings to average equity (ytd only) | 16.0610% | 334 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7491% | 377 |
| Assets per employee ($millions) | 0.6214% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 2,540 |
| Loan loss allowance to noncurrent loans | 37.8641% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.7761% | 263 |
| Noncurrent loans to loans | 3.3800% | 192 |
| Net loans and leases to total assets | 51.8738% | 3,354 |
| Net loans and leases to deposits | 91.6151% | 562 |
| Net loans and leases to core deposits | 91.6151% | 1,033 |
| Total domestic deposits to total assets | 56.6215% | 4,884 |
| Equity capital to assets | 15.7489% | 438 |
| Core capital (leverage) ratio | 14.2872% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3846% | 198 |
| Memoranda: | ||
| Average total assets | $17,690,000 | 4,925 |
| Average earning assets | $14,498,333 | 4,920 |
| Average equity | $2,577,667 | 4,890 |
| Average total loans | $10,484,667 | 4,830 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3766% | 4,723 |
| Cost of funding earning assets | 0.0273% | 4,920 |
| Net interest margin | 2.3493% | 4,469 |
| Noninterest income to average assets | 26.9119% | 32 |
| Noninterest expense to average assets | 28.4369% | 28 |
| Loan and lease loss provision to assets | 0.2018% | 599 |
| Net operating income to assets | -1.4802% | 4,942 |
| Return on assets (ROA) | -1.4802% | 4,941 |
| Pretax return on assets | 0.2018% | 4,673 |
| Return on Equity (ROE) | -10.5748% | 4,937 |
| Retained earnings to average equity (ytd only) | -10.5748% | 4,820 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6003% | 210 |
| Assets per employee ($millions) | 0.5729% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 2,743 |
| Loan loss allowance to noncurrent loans | 32.4841% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 2.0299% | 245 |
| Noncurrent loans to loans | 3.7969% | 152 |
| Net loans and leases to total assets | 52.8024% | 3,369 |
| Net loans and leases to deposits | 87.5831% | 857 |
| Net loans and leases to core deposits | 87.5831% | 1,402 |
| Total domestic deposits to total assets | 60.2883% | 4,884 |
| Equity capital to assets | 15.9416% | 392 |
| Core capital (leverage) ratio | 12.9776% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8476% | 237 |
| Memoranda: | ||
| Average total assets | $17,836,000 | 4,951 |
| Average earning assets | $14,642,500 | 4,947 |
| Average equity | $2,496,500 | 4,918 |
| Average total loans | $11,156,000 | 4,842 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5214% | 4,838 |
| Cost of funding earning assets | 0.0468% | 4,942 |
| Net interest margin | 2.4746% | 4,612 |
| Noninterest income to average assets | 34.6592% | 28 |
| Noninterest expense to average assets | 32.9482% | 25 |
| Loan and lease loss provision to assets | 0.1299% | 2,738 |
| Net operating income to assets | 3.0774% | 90 |
| Return on assets (ROA) | 3.0774% | 92 |
| Pretax return on assets | 3.6703% | 79 |
| Return on Equity (ROE) | 23.9560% | 125 |
| Retained earnings to average equity (ytd only) | 23.9560% | 42 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6589% | 387 |
| Assets per employee ($millions) | 0.8784% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6623% | 4,649 |
| Loan loss allowance to noncurrent loans | 72.0930% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 1,646 |
| Noncurrent loans to loans | 0.9187% | 1,532 |
| Net loans and leases to total assets | 69.0442% | 1,679 |
| Net loans and leases to deposits | 148.6150% | 21 |
| Net loans and leases to core deposits | 148.6150% | 91 |
| Total domestic deposits to total assets | 46.4584% | 4,953 |
| Equity capital to assets | 12.5080% | 1,319 |
| Core capital (leverage) ratio | 11.2212% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3091% | 489 |
| Memoranda: | ||
| Average total assets | $17,709,600 | 4,969 |
| Average earning assets | $14,951,800 | 4,967 |
| Average equity | $2,275,000 | 4,950 |
| Average total loans | $12,444,200 | 4,855 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6065% | 4,880 |
| Cost of funding earning assets | 0.0461% | 4,988 |
| Net interest margin | 2.5605% | 4,609 |
| Noninterest income to average assets | 34.2099% | 29 |
| Noninterest expense to average assets | 32.0952% | 25 |
| Loan and lease loss provision to assets | 0.1346% | 2,667 |
| Net operating income to assets | 3.5349% | 69 |
| Return on assets (ROA) | 3.5349% | 71 |
| Pretax return on assets | 4.1514% | 61 |
| Return on Equity (ROE) | 27.3049% | 87 |
| Retained earnings to average equity (ytd only) | 27.3049% | 39 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2239% | 410 |
| Assets per employee ($millions) | 0.6273% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6010% | 4,720 |
| Loan loss allowance to noncurrent loans | 152.6316% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 2,985 |
| Noncurrent loans to loans | 0.3938% | 2,880 |
| Net loans and leases to total assets | 73.9933% | 1,370 |
| Net loans and leases to deposits | 161.3185% | 18 |
| Net loans and leases to core deposits | 161.3185% | 78 |
| Total domestic deposits to total assets | 45.8678% | 4,982 |
| Equity capital to assets | 12.5225% | 1,413 |
| Core capital (leverage) ratio | 10.8471% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1633% | 506 |
| Memoranda: | ||
| Average total assets | $17,086,250 | 5,004 |
| Average earning assets | $14,476,000 | 5,001 |
| Average equity | $2,212,000 | 4,987 |
| Average total loans | $12,044,750 | 4,886 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7368% | 4,928 |
| Cost of funding earning assets | 0.0573% | 5,017 |
| Net interest margin | 2.6795% | 4,574 |
| Noninterest income to average assets | 28.9939% | 32 |
| Noninterest expense to average assets | 27.1288% | 30 |
| Loan and lease loss provision to assets | 0.1472% | 2,542 |
| Net operating income to assets | 3.3742% | 65 |
| Return on assets (ROA) | 3.3742% | 69 |
| Pretax return on assets | 4.0123% | 63 |
| Return on Equity (ROE) | 25.7290% | 104 |
| Retained earnings to average equity (ytd only) | 25.7290% | 44 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7059% | 510 |
| Assets per employee ($millions) | 0.8228% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6234% | 4,708 |
| Loan loss allowance to noncurrent loans | 138.9831% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 3,066 |
| Noncurrent loans to loans | 0.4485% | 2,810 |
| Net loans and leases to total assets | 69.0727% | 2,174 |
| Net loans and leases to deposits | 142.5363% | 33 |
| Net loans and leases to core deposits | 142.5363% | 146 |
| Total domestic deposits to total assets | 48.4597% | 5,010 |
| Equity capital to assets | 11.9260% | 1,710 |
| Core capital (leverage) ratio | 11.4923% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0643% | 572 |
| Memoranda: | ||
| Average total assets | $16,300,000 | 5,040 |
| Average earning assets | $13,958,000 | 5,033 |
| Average equity | $2,137,667 | 5,022 |
| Average total loans | $11,234,667 | 4,937 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0053% | 4,954 |
| Cost of funding earning assets | 0.0939% | 5,049 |
| Net interest margin | 2.9114% | 4,420 |
| Noninterest income to average assets | 27.3561% | 30 |
| Noninterest expense to average assets | 27.1693% | 28 |
| Loan and lease loss provision to assets | 0.1601% | 1,806 |
| Net operating income to assets | 2.5088% | 109 |
| Return on assets (ROA) | 2.5088% | 113 |
| Pretax return on assets | 2.5088% | 160 |
| Return on Equity (ROE) | 18.0943% | 259 |
| Retained earnings to average equity (ytd only) | 18.0943% | 88 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0555% | 458 |
| Assets per employee ($millions) | 1.0844% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6644% | 4,663 |
| Loan loss allowance to noncurrent loans | 126.6667% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 2,967 |
| Noncurrent loans to loans | 0.5245% | 2,689 |
| Net loans and leases to total assets | 69.8574% | 2,272 |
| Net loans and leases to deposits | 137.9340% | 22 |
| Net loans and leases to core deposits | 137.9340% | 187 |
| Total domestic deposits to total assets | 50.6455% | 5,068 |
| Equity capital to assets | 12.7628% | 1,577 |
| Core capital (leverage) ratio | 13.5265% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8845% | 502 |
| Memoranda: | ||
| Average total assets | $14,987,500 | 5,093 |
| Average earning assets | $12,777,500 | 5,088 |
| Average equity | $2,078,000 | 5,072 |
| Average total loans | $10,275,000 | 4,995 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 4,739 |
| Cost of funding earning assets | 0.1081% | 5,095 |
| Net interest margin | 3.5252% | 3,360 |
| Noninterest income to average assets | 28.3317% | 32 |
| Noninterest expense to average assets | 28.4845% | 30 |
| Loan and lease loss provision to assets | 0.1019% | 2,025 |
| Net operating income to assets | 2.6345% | 114 |
| Return on assets (ROA) | 2.6345% | 121 |
| Pretax return on assets | 2.8310% | 121 |
| Return on Equity (ROE) | 18.7954% | 283 |
| Retained earnings to average equity (ytd only) | 18.7954% | 42 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6648% | 328 |
| Assets per employee ($millions) | 0.5712% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 4,398 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 2,644 |
| Noncurrent loans to loans | 0.6585% | 2,245 |
| Net loans and leases to total assets | 65.9494% | 2,959 |
| Net loans and leases to deposits | 111.0415% | 170 |
| Net loans and leases to core deposits | 111.0415% | 800 |
| Total domestic deposits to total assets | 59.3916% | 5,091 |
| Equity capital to assets | 15.1725% | 755 |
| Core capital (leverage) ratio | 14.3999% | 828 |
| Tier 1 risk-based capital ratio | 25.0457% | 746 |
| Total risk-based capital ratio | 25.8997% | 756 |
| Memoranda: | ||
| Average total assets | $13,740,800 | 5,157 |
| Average earning assets | $12,027,800 | 5,150 |
| Average equity | $1,926,000 | 5,146 |
| Average total loans | $9,858,200 | 5,057 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6746% | 4,808 |
| Cost of funding earning assets | 0.0987% | 5,184 |
| Net interest margin | 3.5758% | 3,312 |
| Noninterest income to average assets | 29.3256% | 32 |
| Noninterest expense to average assets | 28.8504% | 30 |
| Loan and lease loss provision to assets | 0.0776% | 2,349 |
| Net operating income to assets | 3.3845% | 66 |
| Return on assets (ROA) | 3.3845% | 68 |
| Pretax return on assets | 3.5590% | 79 |
| Return on Equity (ROE) | 24.6527% | 97 |
| Retained earnings to average equity (ytd only) | 24.6527% | 27 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8060% | 365 |
| Assets per employee ($millions) | 0.8496% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6065% | 4,807 |
| Loan loss allowance to noncurrent loans | 106.6667% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 2,851 |
| Noncurrent loans to loans | 0.5686% | 2,595 |
| Net loans and leases to total assets | 72.6184% | 2,067 |
| Net loans and leases to deposits | 129.5258% | 43 |
| Net loans and leases to core deposits | 129.5258% | 296 |
| Total domestic deposits to total assets | 56.0648% | 5,182 |
| Equity capital to assets | 14.3174% | 1,036 |
| Core capital (leverage) ratio | 14.0256% | 978 |
| Tier 1 risk-based capital ratio | 23.5681% | 890 |
| Total risk-based capital ratio | 24.3072% | 923 |
| Memoranda: | ||
| Average total assets | $13,748,750 | 5,235 |
| Average earning assets | $12,155,500 | 5,225 |
| Average equity | $1,887,500 | 5,224 |
| Average total loans | $10,045,000 | 5,135 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8513% | 4,634 |
| Cost of funding earning assets | 0.1000% | 5,227 |
| Net interest margin | 3.7513% | 2,750 |
| Noninterest income to average assets | 29.4592% | 32 |
| Noninterest expense to average assets | 29.1781% | 29 |
| Loan and lease loss provision to assets | 0.0296% | 3,227 |
| Net operating income to assets | 3.5363% | 63 |
| Return on assets (ROA) | 3.5363% | 67 |
| Pretax return on assets | 3.5807% | 82 |
| Return on Equity (ROE) | 26.1584% | 77 |
| Retained earnings to average equity (ytd only) | 26.1584% | 22 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9892% | 387 |
| Assets per employee ($millions) | 0.5918% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5544% | 4,946 |
| Loan loss allowance to noncurrent loans | 95.0820% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4295% | 2,800 |
| Noncurrent loans to loans | 0.5831% | 2,512 |
| Net loans and leases to total assets | 73.2399% | 2,016 |
| Net loans and leases to deposits | 124.5570% | 62 |
| Net loans and leases to core deposits | 124.5570% | 417 |
| Total domestic deposits to total assets | 58.8003% | 5,220 |
| Equity capital to assets | 13.7778% | 1,206 |
| Core capital (leverage) ratio | 12.2516% | 1,674 |
| Tier 1 risk-based capital ratio | 22.1280% | 1,041 |
| Total risk-based capital ratio | 22.7929% | 1,089 |
| Memoranda: | ||
| Average total assets | $13,517,000 | 5,282 |
| Average earning assets | $11,996,000 | 5,273 |
| Average equity | $1,827,330 | 5,271 |
| Average total loans | $9,875,670 | 5,182 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 4,127 |
| Cost of funding earning assets | 0.1033% | 5,276 |
| Net interest margin | 3.9954% | 1,864 |
| Noninterest income to average assets | 24.8681% | 33 |
| Noninterest expense to average assets | 25.5058% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.8846% | 93 |
| Return on assets (ROA) | 2.8846% | 101 |
| Pretax return on assets | 2.8846% | 145 |
| Return on Equity (ROE) | 21.5603% | 191 |
| Retained earnings to average equity (ytd only) | 21.5603% | 78 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8396% | 398 |
| Assets per employee ($millions) | 0.7158% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6185% | 4,902 |
| Loan loss allowance to noncurrent loans | 94.9153% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 2,763 |
| Noncurrent loans to loans | 0.6516% | 2,385 |
| Net loans and leases to total assets | 69.8331% | 2,511 |
| Net loans and leases to deposits | 102.3896% | 477 |
| Net loans and leases to core deposits | 102.3896% | 1,426 |
| Total domestic deposits to total assets | 68.2033% | 5,169 |
| Equity capital to assets | 14.0629% | 1,013 |
| Core capital (leverage) ratio | 17.6424% | 354 |
| Tier 1 risk-based capital ratio | 22.6748% | 975 |
| Total risk-based capital ratio | 23.3854% | 1,013 |
| Memoranda: | ||
| Average total assets | $13,173,500 | 5,341 |
| Average earning assets | $11,613,500 | 5,335 |
| Average equity | $1,762,500 | 5,327 |
| Average total loans | $9,583,000 | 5,248 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5345% | 4,879 |
| Cost of funding earning assets | 0.0971% | 5,293 |
| Net interest margin | 3.4374% | 3,889 |
| Noninterest income to average assets | 23.5159% | 36 |
| Noninterest expense to average assets | 25.4535% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3257% | 1,696 |
| Return on assets (ROA) | 1.3257% | 1,688 |
| Pretax return on assets | 1.1897% | 2,917 |
| Return on Equity (ROE) | 13.7324% | 1,120 |
| Retained earnings to average equity (ytd only) | 13.7324% | 185 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5346% | 220 |
| Assets per employee ($millions) | 0.7431% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5538% | 5,054 |
| Loan loss allowance to noncurrent loans | 34.3558% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 1,072 |
| Noncurrent loans to loans | 1.6119% | 908 |
| Net loans and leases to total assets | 75.1794% | 1,740 |
| Net loans and leases to deposits | 115.1099% | 155 |
| Net loans and leases to core deposits | 115.1099% | 731 |
| Total domestic deposits to total assets | 65.3110% | 5,255 |
| Equity capital to assets | 12.5449% | 1,561 |
| Core capital (leverage) ratio | 12.1486% | 1,643 |
| Tier 1 risk-based capital ratio | 22.4529% | 976 |
| Total risk-based capital ratio | 23.2126% | 1,020 |
| Memoranda: | ||
| Average total assets | $14,709,200 | 5,380 |
| Average earning assets | $13,382,400 | 5,370 |
| Average equity | $1,420,000 | 5,387 |
| Average total loans | $11,162,600 | 5,263 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6160% | 4,776 |
| Cost of funding earning assets | 0.0967% | 5,359 |
| Net interest margin | 3.5194% | 3,633 |
| Noninterest income to average assets | 23.8341% | 36 |
| Noninterest expense to average assets | 26.3691% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8686% | 3,669 |
| Return on assets (ROA) | 0.8686% | 3,673 |
| Pretax return on assets | 0.6913% | 4,555 |
| Return on Equity (ROE) | 9.6392% | 2,782 |
| Retained earnings to average equity (ytd only) | 9.6392% | 1,013 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4451% | 183 |
| Assets per employee ($millions) | 0.7647% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5332% | 5,145 |
| Loan loss allowance to noncurrent loans | 34.1463% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 1.1915% | 1,177 |
| Noncurrent loans to loans | 1.5615% | 1,021 |
| Net loans and leases to total assets | 75.9009% | 1,671 |
| Net loans and leases to deposits | 118.8104% | 116 |
| Net loans and leases to core deposits | 118.8104% | 614 |
| Total domestic deposits to total assets | 63.8840% | 5,350 |
| Equity capital to assets | 11.4938% | 2,265 |
| Core capital (leverage) ratio | 9.7834% | 3,859 |
| Tier 1 risk-based capital ratio | 18.2158% | 1,737 |
| Total risk-based capital ratio | 18.8706% | 1,852 |
| Memoranda: | ||
| Average total assets | $15,042,500 | 5,449 |
| Average earning assets | $13,790,000 | 5,435 |
| Average equity | $1,355,500 | 5,460 |
| Average total loans | $11,425,250 | 5,327 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8244% | 4,289 |
| Cost of funding earning assets | 0.0853% | 5,431 |
| Net interest margin | 3.7391% | 2,793 |
| Noninterest income to average assets | 21.1783% | 40 |
| Noninterest expense to average assets | 24.2813% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5560% | 4,616 |
| Return on assets (ROA) | 0.5560% | 4,616 |
| Pretax return on assets | 0.2974% | 5,167 |
| Return on Equity (ROE) | 6.7188% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.7188% | 2,201 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7901% | 187 |
| Assets per employee ($millions) | 0.8331% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4785% | 5,285 |
| Loan loss allowance to noncurrent loans | 33.7349% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 1.0488% | 1,422 |
| Noncurrent loans to loans | 1.4184% | 1,193 |
| Net loans and leases to total assets | 73.5848% | 2,015 |
| Net loans and leases to deposits | 114.1080% | 194 |
| Net loans and leases to core deposits | 114.1080% | 789 |
| Total domestic deposits to total assets | 64.4870% | 5,408 |
| Equity capital to assets | 8.2007% | 5,132 |
| Core capital (leverage) ratio | 8.2965% | 5,215 |
| Tier 1 risk-based capital ratio | 13.6700% | 3,522 |
| Total risk-based capital ratio | 14.2704% | 3,800 |
| Memoranda: | ||
| Average total assets | $15,468,670 | 5,513 |
| Average earning assets | $14,067,670 | 5,499 |
| Average equity | $1,280,000 | 5,524 |
| Average total loans | $11,732,670 | 5,379 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5982% | 1,578 |
| Cost of funding earning assets | 0.1613% | 5,219 |
| Net interest margin | 4.4368% | 708 |
| Noninterest income to average assets | 26.4280% | 34 |
| Noninterest expense to average assets | 29.9728% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0178% | 2,787 |
| Return on assets (ROA) | 1.0178% | 2,806 |
| Pretax return on assets | 0.3159% | 5,151 |
| Return on Equity (ROE) | 9.1267% | 2,844 |
| Retained earnings to average equity (ytd only) | 9.1267% | 1,417 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9571% | 189 |
| Assets per employee ($millions) | 0.6411% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 4,975 |
| Loan loss allowance to noncurrent loans | 33.5329% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.4471% | 986 |
| Noncurrent loans to loans | 2.1601% | 706 |
| Net loans and leases to total assets | 66.5078% | 2,966 |
| Net loans and leases to deposits | 76.6045% | 3,149 |
| Net loans and leases to core deposits | 76.6045% | 3,614 |
| Total domestic deposits to total assets | 86.8198% | 2,195 |
| Equity capital to assets | 11.1352% | 2,446 |
| Core capital (leverage) ratio | 11.4374% | 2,058 |
| Tier 1 risk-based capital ratio | 15.2674% | 2,758 |
| Total risk-based capital ratio | 15.9448% | 2,941 |
| Memoranda: | ||
| Average total assets | $11,397,000 | 5,595 |
| Average earning assets | $9,917,000 | 5,584 |
| Average equity | $1,271,000 | 5,586 |
| Average total loans | $7,855,500 | 5,519 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5782% | 1,492 |
| Cost of funding earning assets | 0.1056% | 5,475 |
| Net interest margin | 4.4726% | 658 |
| Noninterest income to average assets | 18.1205% | 40 |
| Noninterest expense to average assets | 22.9543% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.8750% | 5,573 |
| Return on assets (ROA) | -0.8750% | 5,572 |
| Pretax return on assets | -0.8750% | 5,583 |
| Return on Equity (ROE) | -7.9932% | 5,576 |
| Retained earnings to average equity (ytd only) | -7.9932% | 5,503 |
| Net charge-offs to loans | -0.0237% | 4,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9631% | 134 |
| Assets per employee ($millions) | 0.6252% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7018% | 5,070 |
| Loan loss allowance to noncurrent loans | 46.2810% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0752% | 1,419 |
| Noncurrent loans to loans | 1.5163% | 1,118 |
| Net loans and leases to total assets | 70.4105% | 2,465 |
| Net loans and leases to deposits | 81.3719% | 2,774 |
| Net loans and leases to core deposits | 81.3719% | 3,299 |
| Total domestic deposits to total assets | 86.5292% | 2,216 |
| Equity capital to assets | 11.1694% | 2,466 |
| Core capital (leverage) ratio | 10.8872% | 2,436 |
| Tier 1 risk-based capital ratio | 12.9140% | 3,958 |
| Total risk-based capital ratio | 13.5010% | 4,268 |
| Memoranda: | ||
| Average total assets | $11,771,200 | 5,658 |
| Average earning assets | $10,419,000 | 5,647 |
| Average equity | $1,288,600 | 5,652 |
| Average total loans | $8,445,600 | 5,567 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 1,459 |
| Cost of funding earning assets | 0.1009% | 5,555 |
| Net interest margin | 4.4654% | 646 |
| Noninterest income to average assets | 16.5367% | 47 |
| Noninterest expense to average assets | 21.3207% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.8179% | 5,661 |
| Return on assets (ROA) | -0.8179% | 5,662 |
| Pretax return on assets | -0.8179% | 5,655 |
| Return on Equity (ROE) | -7.5071% | 5,650 |
| Retained earnings to average equity (ytd only) | -7.5071% | 5,583 |
| Net charge-offs to loans | -0.0312% | 5,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9891% | 133 |
| Assets per employee ($millions) | 0.6513% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7432% | 5,037 |
| Loan loss allowance to noncurrent loans | 294.7368% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 4,464 |
| Noncurrent loans to loans | 0.2522% | 4,053 |
| Net loans and leases to total assets | 63.7922% | 3,440 |
| Net loans and leases to deposits | 73.6484% | 3,611 |
| Net loans and leases to core deposits | 73.6484% | 4,005 |
| Total domestic deposits to total assets | 86.6172% | 2,037 |
| Equity capital to assets | 10.9945% | 2,873 |
| Core capital (leverage) ratio | 10.8628% | 2,585 |
| Tier 1 risk-based capital ratio | 13.1639% | 3,898 |
| Total risk-based capital ratio | 13.7471% | 4,234 |
| Memoranda: | ||
| Average total assets | $11,900,500 | 5,721 |
| Average earning assets | $10,570,000 | 5,711 |
| Average equity | $1,296,500 | 5,719 |
| Average total loans | $8,562,000 | 5,625 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5878% | 1,278 |
| Cost of funding earning assets | 0.0564% | 5,711 |
| Net interest margin | 4.5314% | 532 |
| Noninterest income to average assets | 13.3118% | 54 |
| Noninterest expense to average assets | 19.3155% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.9734% | 5,759 |
| Return on assets (ROA) | -1.9734% | 5,758 |
| Pretax return on assets | -1.9734% | 5,755 |
| Return on Equity (ROE) | -18.1678% | 5,750 |
| Retained earnings to average equity (ytd only) | -18.1678% | 5,717 |
| Net charge-offs to loans | -0.0449% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3790% | 99 |
| Assets per employee ($millions) | 0.7059% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7008% | 5,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 66.1250% | 3,082 |
| Net loans and leases to deposits | 75.5714% | 3,393 |
| Net loans and leases to core deposits | 75.5714% | 3,814 |
| Total domestic deposits to total assets | 87.5000% | 1,722 |
| Equity capital to assets | 10.3667% | 3,497 |
| Core capital (leverage) ratio | 10.4626% | 2,956 |
| Tier 1 risk-based capital ratio | 12.4185% | 4,345 |
| Total risk-based capital ratio | 12.9890% | 4,697 |
| Memoranda: | ||
| Average total assets | $11,959,330 | 5,769 |
| Average earning assets | $10,637,000 | 5,759 |
| Average equity | $1,299,000 | 5,769 |
| Average total loans | $8,904,330 | 5,671 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6206% | 1,090 |
| Cost of funding earning assets | 0.0751% | 5,728 |
| Net interest margin | 4.5455% | 485 |
| Noninterest income to average assets | 13.6025% | 54 |
| Noninterest expense to average assets | 19.7671% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -2.1107% | 5,820 |
| Return on assets (ROA) | -2.1107% | 5,820 |
| Pretax return on assets | -2.1107% | 5,816 |
| Return on Equity (ROE) | -18.9974% | 5,812 |
| Retained earnings to average equity (ytd only) | -18.9974% | 5,714 |
| Net charge-offs to loans | -0.0855% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9545% | 108 |
| Assets per employee ($millions) | 0.4728% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5852% | 5,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 80.4890% | 770 |
| Net loans and leases to deposits | 93.0185% | 1,222 |
| Net loans and leases to core deposits | 93.0185% | 2,064 |
| Total domestic deposits to total assets | 86.5302% | 2,426 |
| Equity capital to assets | 10.9823% | 2,642 |
| Core capital (leverage) ratio | 10.7444% | 2,644 |
| Tier 1 risk-based capital ratio | 13.0217% | 4,067 |
| Total risk-based capital ratio | 13.5945% | 4,388 |
| Memoranda: | ||
| Average total assets | $11,939,000 | 5,840 |
| Average earning assets | $10,648,000 | 5,828 |
| Average equity | $1,326,500 | 5,834 |
| Average total loans | $9,361,000 | 5,723 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8588% | 789 |
| Cost of funding earning assets | 0.0992% | 5,707 |
| Net interest margin | 4.7596% | 377 |
| Noninterest income to average assets | 10.2331% | 63 |
| Noninterest expense to average assets | 11.1784% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.2201% | 219 |
| Return on assets (ROA) | 2.2201% | 228 |
| Pretax return on assets | 3.2174% | 97 |
| Return on Equity (ROE) | 21.0457% | 178 |
| Retained earnings to average equity (ytd only) | 21.0457% | 41 |
| Net charge-offs to loans | 0.0231% | 3,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 185.5000% | 359 |
| Efficiency ratio | 77.6506% | 1,748 |
| Assets per employee ($millions) | 1.5074% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5900% | 5,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 75.4540% | 1,609 |
| Net loans and leases to deposits | 86.7811% | 2,075 |
| Net loans and leases to core deposits | 86.7811% | 2,785 |
| Total domestic deposits to total assets | 86.9475% | 2,177 |
| Equity capital to assets | 11.2364% | 2,381 |
| Core capital (leverage) ratio | 11.4016% | 2,005 |
| Tier 1 risk-based capital ratio | 13.3293% | 3,882 |
| Total risk-based capital ratio | 13.8705% | 4,203 |
| Memoranda: | ||
| Average total assets | $11,531,200 | 5,897 |
| Average earning assets | $10,084,800 | 5,885 |
| Average equity | $1,216,400 | 5,900 |
| Average total loans | $8,671,200 | 5,793 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 718 |
| Cost of funding earning assets | 0.1075% | 5,737 |
| Net interest margin | 4.7953% | 369 |
| Noninterest income to average assets | 9.3454% | 68 |
| Noninterest expense to average assets | 10.4331% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.0878% | 80 |
| Return on assets (ROA) | 3.0878% | 82 |
| Pretax return on assets | 3.0878% | 116 |
| Return on Equity (ROE) | 29.7855% | 42 |
| Retained earnings to average equity (ytd only) | 29.7855% | 13 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1626% | 1,814 |
| Assets per employee ($millions) | 1.9715% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6021% | 5,608 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 78.1554% | 1,167 |
| Net loans and leases to deposits | 88.8942% | 1,907 |
| Net loans and leases to core deposits | 88.8942% | 2,672 |
| Total domestic deposits to total assets | 87.9195% | 1,437 |
| Equity capital to assets | 11.5310% | 2,489 |
| Core capital (leverage) ratio | 11.7415% | 1,850 |
| Tier 1 risk-based capital ratio | 13.0126% | 4,152 |
| Total risk-based capital ratio | 13.5569% | 4,502 |
| Memoranda: | ||
| Average total assets | $11,399,250 | 5,963 |
| Average earning assets | $9,926,250 | 5,952 |
| Average equity | $1,181,750 | 5,967 |
| Average total loans | $8,550,750 | 5,859 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 771 |
| Cost of funding earning assets | 0.0822% | 5,916 |
| Net interest margin | 4.7870% | 379 |
| Noninterest income to average assets | 6.2544% | 96 |
| Noninterest expense to average assets | 9.4350% | 79 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9595% | 2,583 |
| Return on assets (ROA) | 0.9595% | 2,727 |
| Pretax return on assets | 0.9595% | 3,746 |
| Return on Equity (ROE) | 9.6343% | 2,212 |
| Retained earnings to average equity (ytd only) | 9.6343% | 675 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7692% | 559 |
| Assets per employee ($millions) | 1.9247% | 5,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6096% | 5,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 79.0613% | 1,056 |
| Net loans and leases to deposits | 88.2211% | 1,963 |
| Net loans and leases to core deposits | 88.2211% | 2,706 |
| Total domestic deposits to total assets | 89.6172% | 629 |
| Equity capital to assets | 9.9844% | 4,246 |
| Core capital (leverage) ratio | 9.7317% | 3,891 |
| Tier 1 risk-based capital ratio | 12.3184% | 4,633 |
| Total risk-based capital ratio | 12.9300% | 4,941 |
| Memoranda: | ||
| Average total assets | $11,256,000 | 6,043 |
| Average earning assets | $9,734,670 | 6,032 |
| Average equity | $1,121,000 | 6,046 |
| Average total loans | $8,300,670 | 5,943 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6285% | 1,188 |
| Cost of funding earning assets | 0.0849% | 5,971 |
| Net interest margin | 4.5435% | 561 |
| Noninterest income to average assets | 3.8884% | 157 |
| Noninterest expense to average assets | 7.3087% | 127 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4320% | 4,893 |
| Return on assets (ROA) | 0.4320% | 4,971 |
| Pretax return on assets | 0.4320% | 5,240 |
| Return on Equity (ROE) | 4.3439% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.3439% | 3,310 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4186% | 432 |
| Assets per employee ($millions) | 1.8617% | 6,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7100% | 5,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 70.1074% | 2,324 |
| Net loans and leases to deposits | 78.2161% | 2,983 |
| Net loans and leases to core deposits | 78.2161% | 3,475 |
| Total domestic deposits to total assets | 89.6329% | 763 |
| Equity capital to assets | 9.9463% | 4,148 |
| Core capital (leverage) ratio | 9.9178% | 3,639 |
| Tier 1 risk-based capital ratio | 11.9301% | 4,953 |
| Total risk-based capital ratio | 12.5453% | 5,250 |
| Memoranda: | ||
| Average total assets | $11,110,000 | 6,105 |
| Average earning assets | $9,420,000 | 6,096 |
| Average equity | $1,105,000 | 6,110 |
| Average total loans | $7,858,000 | 6,012 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 2,161 |
| Cost of funding earning assets | 0.0800% | 6,034 |
| Net interest margin | 4.2385% | 1,084 |
| Noninterest income to average assets | 3.1305% | 195 |
| Noninterest expense to average assets | 6.5432% | 158 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3263% | 5,283 |
| Return on assets (ROA) | 0.3263% | 5,366 |
| Pretax return on assets | 0.3263% | 5,466 |
| Return on Equity (ROE) | 3.8768% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.8768% | 3,278 |
| Net charge-offs to loans | -0.0564% | 5,590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2503% | 432 |
| Assets per employee ($millions) | 1.8417% | 6,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7153% | 5,608 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 70.3439% | 2,317 |
| Net loans and leases to deposits | 78.4359% | 3,002 |
| Net loans and leases to core deposits | 78.4359% | 3,497 |
| Total domestic deposits to total assets | 89.6833% | 762 |
| Equity capital to assets | 9.9457% | 4,026 |
| Core capital (leverage) ratio | 9.7063% | 3,896 |
| Tier 1 risk-based capital ratio | 11.9214% | 5,008 |
| Total risk-based capital ratio | 12.5430% | 5,274 |
| Memoranda: | ||
| Average total assets | $11,340,000 | 6,165 |
| Average earning assets | $10,003,600 | 6,152 |
| Average equity | $954,400 | 6,175 |
| Average total loans | $7,096,000 | 6,084 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 2,698 |
| Cost of funding earning assets | 0.0786% | 6,127 |
| Net interest margin | 4.0859% | 1,441 |
| Noninterest income to average assets | 2.5118% | 261 |
| Noninterest expense to average assets | 6.3905% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2337% | 6,056 |
| Return on assets (ROA) | -0.2337% | 6,074 |
| Pretax return on assets | -0.2337% | 6,063 |
| Return on Equity (ROE) | -2.9044% | 6,097 |
| Retained earnings to average equity (ytd only) | -2.9044% | 5,924 |
| Net charge-offs to loans | -0.0771% | 5,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7951% | 213 |
| Assets per employee ($millions) | 1.8628% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7253% | 5,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 68.5783% | 2,594 |
| Net loans and leases to deposits | 76.0266% | 3,301 |
| Net loans and leases to core deposits | 76.0266% | 3,801 |
| Total domestic deposits to total assets | 90.2031% | 498 |
| Equity capital to assets | 9.3227% | 4,978 |
| Core capital (leverage) ratio | 9.1622% | 4,784 |
| Tier 1 risk-based capital ratio | 11.5385% | 5,351 |
| Total risk-based capital ratio | 12.1738% | 5,608 |
| Memoranda: | ||
| Average total assets | $11,412,500 | 6,251 |
| Average earning assets | $10,181,000 | 6,240 |
| Average equity | $918,250 | 6,262 |
| Average total loans | $6,912,750 | 6,170 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 3,201 |
| Cost of funding earning assets | 0.0962% | 6,146 |
| Net interest margin | 3.9243% | 1,895 |
| Noninterest income to average assets | 2.7674% | 240 |
| Noninterest expense to average assets | 6.4398% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1218% | 6,058 |
| Return on assets (ROA) | -0.1218% | 6,088 |
| Pretax return on assets | -0.1218% | 6,077 |
| Return on Equity (ROE) | -1.5964% | 6,110 |
| Retained earnings to average equity (ytd only) | -1.5964% | 5,784 |
| Net charge-offs to loans | -0.0602% | 5,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9284% | 285 |
| Assets per employee ($millions) | 2.2138% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7840% | 5,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 61.7400% | 3,590 |
| Net loans and leases to deposits | 68.5456% | 4,080 |
| Net loans and leases to core deposits | 68.5456% | 4,452 |
| Total domestic deposits to total assets | 90.0714% | 631 |
| Equity capital to assets | 9.5311% | 4,614 |
| Core capital (leverage) ratio | 9.1353% | 4,767 |
| Tier 1 risk-based capital ratio | 13.5884% | 4,166 |
| Total risk-based capital ratio | 14.3008% | 4,403 |
| Memoranda: | ||
| Average total assets | $11,491,000 | 6,328 |
| Average earning assets | $10,396,670 | 6,313 |
| Average equity | $877,000 | 6,339 |
| Average total loans | $6,643,330 | 6,249 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1682% | 2,573 |
| Cost of funding earning assets | 0.0758% | 6,282 |
| Net interest margin | 4.0925% | 1,295 |
| Noninterest income to average assets | 2.4611% | 278 |
| Noninterest expense to average assets | 6.0844% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0684% | 5,928 |
| Return on assets (ROA) | 0.0684% | 5,980 |
| Pretax return on assets | 0.0684% | 5,980 |
| Return on Equity (ROE) | 1.0152% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.0152% | 5,065 |
| Net charge-offs to loans | -0.0613% | 5,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8889% | 399 |
| Assets per employee ($millions) | 2.3466% | 6,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 5,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 56.2431% | 4,171 |
| Net loans and leases to deposits | 60.5413% | 4,701 |
| Net loans and leases to core deposits | 60.5413% | 4,952 |
| Total domestic deposits to total assets | 92.9004% | 65 |
| Equity capital to assets | 6.7246% | 6,285 |
| Core capital (leverage) ratio | 6.6056% | 6,282 |
| Tier 1 risk-based capital ratio | 10.1515% | 6,127 |
| Total risk-based capital ratio | 10.8557% | 6,223 |
| Memoranda: | ||
| Average total assets | $11,702,000 | 6,397 |
| Average earning assets | $10,556,000 | 6,381 |
| Average equity | $788,000 | 6,410 |
| Average total loans | $6,521,000 | 6,318 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5255% | 302 |
| Cost of funding earning assets | 0.0742% | 6,386 |
| Net interest margin | 5.4513% | 144 |
| Noninterest income to average assets | 0.9709% | 1,286 |
| Noninterest expense to average assets | 6.0367% | 179 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1250% | 6,172 |
| Return on assets (ROA) | -0.1250% | 6,175 |
| Pretax return on assets | -0.1250% | 6,153 |
| Return on Equity (ROE) | -1.7668% | 6,199 |
| Retained earnings to average equity (ytd only) | -1.7668% | 5,987 |
| Net charge-offs to loans | -0.0158% | 5,658 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1138% | 328 |
| Assets per employee ($millions) | 2.3342% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 5,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 54.3055% | 4,546 |
| Net loans and leases to deposits | 58.4902% | 5,031 |
| Net loans and leases to core deposits | 58.4902% | 5,231 |
| Total domestic deposits to total assets | 92.8455% | 75 |
| Equity capital to assets | 6.7432% | 6,357 |
| Core capital (leverage) ratio | 6.7983% | 6,338 |
| Tier 1 risk-based capital ratio | 10.1130% | 6,231 |
| Total risk-based capital ratio | 10.8040% | 6,321 |
| Memoranda: | ||
| Average total assets | $10,403,000 | 6,493 |
| Average earning assets | $9,429,000 | 6,479 |
| Average equity | $735,800 | 6,503 |
| Average total loans | $6,318,200 | 6,413 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5343% | 302 |
| Cost of funding earning assets | 0.0729% | 6,474 |
| Net interest margin | 5.4615% | 144 |
| Noninterest income to average assets | 1.0575% | 1,095 |
| Noninterest expense to average assets | 5.9487% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0661% | 6,064 |
| Return on assets (ROA) | 0.0661% | 6,095 |
| Pretax return on assets | 0.0661% | 6,099 |
| Return on Equity (ROE) | 0.9225% | 6,041 |
| Retained earnings to average equity (ytd only) | 0.9225% | 5,514 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9011% | 404 |
| Assets per employee ($millions) | 2.1564% | 6,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 5,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 61.0276% | 3,624 |
| Net loans and leases to deposits | 66.0444% | 4,325 |
| Net loans and leases to core deposits | 66.0444% | 4,708 |
| Total domestic deposits to total assets | 92.4040% | 116 |
| Equity capital to assets | 7.0952% | 6,367 |
| Core capital (leverage) ratio | 7.0522% | 6,373 |
| Tier 1 risk-based capital ratio | 10.0517% | 6,333 |
| Total risk-based capital ratio | 10.7454% | 6,410 |
| Memoranda: | ||
| Average total assets | $10,086,000 | 6,573 |
| Average earning assets | $9,154,750 | 6,560 |
| Average equity | $723,000 | 6,581 |
| Average total loans | $6,300,250 | 6,489 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3358% | 412 |
| Cost of funding earning assets | 0.0675% | 6,552 |
| Net interest margin | 5.2683% | 177 |
| Noninterest income to average assets | 1.1975% | 814 |
| Noninterest expense to average assets | 5.8859% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0609% | 6,114 |
| Return on assets (ROA) | 0.0609% | 6,133 |
| Pretax return on assets | 0.0609% | 6,134 |
| Return on Equity (ROE) | 0.8463% | 6,080 |
| Retained earnings to average equity (ytd only) | 0.8463% | 5,408 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9761% | 432 |
| Assets per employee ($millions) | 2.4918% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7645% | 6,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 66.4192% | 2,690 |
| Net loans and leases to deposits | 71.9096% | 3,577 |
| Net loans and leases to core deposits | 71.9096% | 4,059 |
| Total domestic deposits to total assets | 92.3648% | 129 |
| Equity capital to assets | 7.1536% | 6,420 |
| Core capital (leverage) ratio | 6.9394% | 6,442 |
| Tier 1 risk-based capital ratio | 9.0969% | 6,531 |
| Total risk-based capital ratio | 9.7722% | 6,561 |
| Memoranda: | ||
| Average total assets | $9,854,000 | 6,643 |
| Average earning assets | $8,883,330 | 6,630 |
| Average equity | $709,000 | 6,650 |
| Average total loans | $6,190,000 | 6,554 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6890% | 1,279 |
| Cost of funding earning assets | 0.0455% | 6,667 |
| Net interest margin | 4.6435% | 520 |
| Noninterest income to average assets | 0.7349% | 2,015 |
| Noninterest expense to average assets | 5.1442% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2450% | 6,377 |
| Return on assets (ROA) | -0.2450% | 6,380 |
| Pretax return on assets | -0.2450% | 6,367 |
| Return on Equity (ROE) | -3.3946% | 6,418 |
| Retained earnings to average equity (ytd only) | -3.3946% | 6,005 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0000% | 348 |
| Assets per employee ($millions) | 2.4825% | 6,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 5,924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 57.7845% | 3,879 |
| Net loans and leases to deposits | 62.4986% | 4,490 |
| Net loans and leases to core deposits | 62.4986% | 4,829 |
| Total domestic deposits to total assets | 92.4572% | 172 |
| Equity capital to assets | 7.0896% | 6,425 |
| Core capital (leverage) ratio | 6.9534% | 6,480 |
| Tier 1 risk-based capital ratio | 10.2801% | 6,398 |
| Total risk-based capital ratio | 11.0522% | 6,491 |
| Memoranda: | ||
| Average total assets | $9,797,500 | 6,717 |
| Average earning assets | $8,786,500 | 6,703 |
| Average equity | $707,000 | 6,720 |
| Average total loans | $5,949,500 | 6,630 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9309% | 1,037 |
| Cost of funding earning assets | 0.0812% | 6,704 |
| Net interest margin | 4.8496% | 394 |
| Noninterest income to average assets | 0.7071% | 2,504 |
| Noninterest expense to average assets | 5.5423% | 239 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.4887% | 6,492 |
| Return on assets (ROA) | -0.4887% | 6,499 |
| Pretax return on assets | -0.4887% | 6,482 |
| Return on Equity (ROE) | -6.2801% | 6,516 |
| Retained earnings to average equity (ytd only) | -6.2801% | 6,424 |
| Net charge-offs to loans | 0.0807% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -9.4000% | 5,421 |
| Efficiency ratio | 109.6708% | 275 |
| Assets per employee ($millions) | 1.9330% | 6,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 6,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 62.6901% | 3,254 |
| Net loans and leases to deposits | 67.9946% | 4,058 |
| Net loans and leases to core deposits | 67.9946% | 4,516 |
| Total domestic deposits to total assets | 92.1987% | 248 |
| Equity capital to assets | 7.3461% | 6,348 |
| Core capital (leverage) ratio | 7.0294% | 6,522 |
| Tier 1 risk-based capital ratio | 10.7238% | 6,292 |
| Total risk-based capital ratio | 11.5210% | 6,396 |
| Memoranda: | ||
| Average total assets | $9,617,000 | 6,799 |
| Average earning assets | $8,619,200 | 6,787 |
| Average equity | $748,400 | 6,806 |
| Average total loans | $6,198,800 | 6,708 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0593% | 836 |
| Cost of funding earning assets | 0.0776% | 6,802 |
| Net interest margin | 4.9817% | 328 |
| Noninterest income to average assets | 0.6525% | 2,873 |
| Noninterest expense to average assets | 5.2888% | 283 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1804% | 6,454 |
| Return on assets (ROA) | -0.1804% | 6,474 |
| Pretax return on assets | -0.1804% | 6,459 |
| Return on Equity (ROE) | -2.2863% | 6,498 |
| Retained earnings to average equity (ytd only) | -2.2863% | 6,295 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5326% | 367 |
| Assets per employee ($millions) | 1.9808% | 6,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 5,973 |
| Loan loss allowance to noncurrent loans | 1,120.0000% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 6,307 |
| Noncurrent loans to loans | 0.0831% | 6,083 |
| Net loans and leases to total assets | 60.1575% | 3,674 |
| Net loans and leases to deposits | 65.4510% | 4,360 |
| Net loans and leases to core deposits | 65.4510% | 4,758 |
| Total domestic deposits to total assets | 91.9124% | 256 |
| Equity capital to assets | 7.5323% | 6,381 |
| Core capital (leverage) ratio | 7.2917% | 6,516 |
| Tier 1 risk-based capital ratio | 10.8002% | 6,362 |
| Total risk-based capital ratio | 11.6473% | 6,449 |
| Memoranda: | ||
| Average total assets | $9,605,000 | 6,878 |
| Average earning assets | $8,591,250 | 6,866 |
| Average equity | $758,000 | 6,884 |
| Average total loans | $6,221,000 | 6,787 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2456% | 586 |
| Cost of funding earning assets | 0.0941% | 6,829 |
| Net interest margin | 5.1515% | 226 |
| Noninterest income to average assets | 0.6523% | 2,903 |
| Noninterest expense to average assets | 5.1550% | 320 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1052% | 6,121 |
| Return on assets (ROA) | 0.1052% | 6,211 |
| Pretax return on assets | 0.1052% | 6,224 |
| Return on Equity (ROE) | 1.3123% | 6,141 |
| Retained earnings to average equity (ytd only) | 1.3123% | 5,366 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0000% | 565 |
| Assets per employee ($millions) | 1.9200% | 6,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 6,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 62.9479% | 3,110 |
| Net loans and leases to deposits | 68.7799% | 3,894 |
| Net loans and leases to core deposits | 68.7799% | 4,421 |
| Total domestic deposits to total assets | 91.5208% | 373 |
| Equity capital to assets | 7.9583% | 6,227 |
| Core capital (leverage) ratio | 7.7460% | 6,341 |
| Tier 1 risk-based capital ratio | 11.1943% | 6,250 |
| Total risk-based capital ratio | 12.0495% | 6,383 |
| Memoranda: | ||
| Average total assets | $9,505,330 | 6,928 |
| Average earning assets | $8,502,330 | 6,915 |
| Average equity | $762,000 | 6,933 |
| Average total loans | $6,290,000 | 6,833 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1531% | 674 |
| Cost of funding earning assets | 0.0946% | 6,914 |
| Net interest margin | 5.0585% | 263 |
| Noninterest income to average assets | 0.5921% | 3,182 |
| Noninterest expense to average assets | 4.9482% | 384 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1692% | 5,983 |
| Return on assets (ROA) | 0.1692% | 6,085 |
| Pretax return on assets | 0.1692% | 6,137 |
| Return on Equity (ROE) | 2.1025% | 5,903 |
| Retained earnings to average equity (ytd only) | 2.1025% | 4,951 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6942% | 694 |
| Assets per employee ($millions) | 1.9022% | 6,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8003% | 6,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 72.9787% | 1,206 |
| Net loans and leases to deposits | 79.8000% | 2,101 |
| Net loans and leases to core deposits | 79.8000% | 2,832 |
| Total domestic deposits to total assets | 91.4520% | 366 |
| Equity capital to assets | 8.0223% | 6,366 |
| Core capital (leverage) ratio | 7.9479% | 6,189 |
| Tier 1 risk-based capital ratio | 10.9237% | 6,439 |
| Total risk-based capital ratio | 11.7594% | 6,556 |
| Memoranda: | ||
| Average total assets | $9,458,000 | 7,006 |
| Average earning assets | $8,461,000 | 6,995 |
| Average equity | $761,000 | 7,005 |
| Average total loans | $6,385,500 | 6,901 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 4,055 |
| Cost of funding earning assets | 0.0998% | 6,999 |
| Net interest margin | 4.2410% | 1,538 |
| Noninterest income to average assets | 0.8105% | 2,215 |
| Noninterest expense to average assets | 5.5607% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.9230% | 6,720 |
| Return on assets (ROA) | -0.9230% | 6,737 |
| Pretax return on assets | -0.9230% | 6,711 |
| Return on Equity (ROE) | -10.9509% | 6,747 |
| Retained earnings to average equity (ytd only) | -10.9509% | 6,671 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.9029% | 212 |
| Assets per employee ($millions) | 1.8810% | 6,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 6,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 60.7974% | 3,457 |
| Net loans and leases to deposits | 66.4420% | 4,219 |
| Net loans and leases to core deposits | 66.4420% | 4,696 |
| Total domestic deposits to total assets | 91.5045% | 337 |
| Equity capital to assets | 8.0702% | 6,372 |
| Core capital (leverage) ratio | 7.9763% | 6,221 |
| Tier 1 risk-based capital ratio | 10.9113% | 6,382 |
| Total risk-based capital ratio | 11.7506% | 6,523 |
| Memoranda: | ||
| Average total assets | $8,883,800 | 7,074 |
| Average earning assets | $8,017,000 | 7,063 |
| Average equity | $748,800 | 7,074 |
| Average total loans | $4,750,200 | 7,009 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 4,713 |
| Cost of funding earning assets | 0.1174% | 7,091 |
| Net interest margin | 4.1118% | 2,050 |
| Noninterest income to average assets | 0.8529% | 2,015 |
| Noninterest expense to average assets | 5.3463% | 295 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.7616% | 6,797 |
| Return on assets (ROA) | -0.7616% | 6,824 |
| Pretax return on assets | -0.7616% | 6,797 |
| Return on Equity (ROE) | -8.9340% | 6,840 |
| Retained earnings to average equity (ytd only) | -8.9340% | 6,786 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6113% | 221 |
| Assets per employee ($millions) | 1.7552% | 7,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 6,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 65.3715% | 2,759 |
| Net loans and leases to deposits | 72.3364% | 3,557 |
| Net loans and leases to core deposits | 72.3364% | 4,206 |
| Total domestic deposits to total assets | 90.3715% | 643 |
| Equity capital to assets | 9.0246% | 5,802 |
| Core capital (leverage) ratio | 8.8788% | 5,226 |
| Tier 1 risk-based capital ratio | 11.6969% | 6,116 |
| Total risk-based capital ratio | 12.5576% | 6,315 |
| Memoranda: | ||
| Average total assets | $8,753,500 | 7,172 |
| Average earning assets | $7,944,500 | 7,158 |
| Average equity | $746,250 | 7,172 |
| Average total loans | $4,494,250 | 7,106 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 5,651 |
| Cost of funding earning assets | 0.1012% | 7,175 |
| Net interest margin | 3.8950% | 2,926 |
| Noninterest income to average assets | 0.8461% | 1,984 |
| Noninterest expense to average assets | 5.3739% | 294 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.0062% | 6,911 |
| Return on assets (ROA) | -1.0062% | 6,930 |
| Pretax return on assets | -1.0062% | 6,893 |
| Return on Equity (ROE) | -12.0383% | 6,942 |
| Retained earnings to average equity (ytd only) | -12.0383% | 6,887 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.0366% | 205 |
| Assets per employee ($millions) | 1.4277% | 7,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 5,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 53.2454% | 4,928 |
| Net loans and leases to deposits | 59.0497% | 5,334 |
| Net loans and leases to core deposits | 59.0497% | 5,687 |
| Total domestic deposits to total assets | 90.1704% | 829 |
| Equity capital to assets | 9.3276% | 5,282 |
| Core capital (leverage) ratio | 9.3002% | 4,457 |
| Tier 1 risk-based capital ratio | 13.1985% | 5,037 |
| Total risk-based capital ratio | 14.1270% | 5,246 |
| Memoranda: | ||
| Average total assets | $8,746,000 | 7,233 |
| Average earning assets | $7,907,670 | 7,220 |
| Average equity | $731,000 | 7,233 |
| Average total loans | $4,061,330 | 7,172 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 5,716 |
| Cost of funding earning assets | 0.0991% | 7,250 |
| Net interest margin | 3.9140% | 2,867 |
| Noninterest income to average assets | 0.8601% | 1,905 |
| Noninterest expense to average assets | 5.0702% | 347 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.6338% | 6,889 |
| Return on assets (ROA) | -0.6338% | 6,909 |
| Pretax return on assets | -0.6338% | 6,878 |
| Return on Equity (ROE) | -8.0344% | 6,952 |
| Retained earnings to average equity (ytd only) | -8.0344% | 6,766 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.2857% | 282 |
| Assets per employee ($millions) | 1.5115% | 7,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 4,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 44.2055% | 5,992 |
| Net loans and leases to deposits | 48.8188% | 6,244 |
| Net loans and leases to core deposits | 48.8188% | 6,409 |
| Total domestic deposits to total assets | 90.5502% | 776 |
| Equity capital to assets | 9.0859% | 5,379 |
| Core capital (leverage) ratio | 9.4431% | 4,131 |
| Tier 1 risk-based capital ratio | 13.9482% | 4,508 |
| Total risk-based capital ratio | 14.9282% | 4,678 |
| Memoranda: | ||
| Average total assets | $8,836,000 | 7,295 |
| Average earning assets | $8,073,500 | 7,279 |
| Average equity | $697,000 | 7,294 |
| Average total loans | $3,783,500 | 7,238 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 6,562 |
| Cost of funding earning assets | 0.1585% | 7,273 |
| Net interest margin | 3.7786% | 3,931 |
| Noninterest income to average assets | 0.9887% | 1,399 |
| Noninterest expense to average assets | 5.5295% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -1.0498% | 6,763 |
| Return on assets (ROA) | -1.0498% | 6,784 |
| Pretax return on assets | -1.0498% | 6,753 |
| Return on Equity (ROE) | -14.0477% | 6,864 |
| Retained earnings to average equity (ytd only) | -14.0477% | 6,841 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.4332% | 280 |
| Assets per employee ($millions) | 1.7206% | 7,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 3,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 40.0558% | 6,542 |
| Net loans and leases to deposits | 43.1451% | 6,751 |
| Net loans and leases to core deposits | 43.1451% | 6,847 |
| Total domestic deposits to total assets | 92.8397% | 145 |
| Equity capital to assets | 6.6256% | 7,035 |
| Core capital (leverage) ratio | 6.5548% | 6,970 |
| Tier 1 risk-based capital ratio | 14.7880% | 3,768 |
| Total risk-based capital ratio | 16.2909% | 3,575 |
| Memoranda: | ||
| Average total assets | $8,192,400 | 7,345 |
| Average earning assets | $7,569,000 | 7,335 |
| Average equity | $612,200 | 7,352 |
| Average total loans | $3,050,800 | 7,302 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9796% | 6,618 |
| Cost of funding earning assets | 0.1776% | 7,347 |
| Net interest margin | 3.8020% | 3,875 |
| Noninterest income to average assets | 1.0053% | 1,326 |
| Noninterest expense to average assets | 5.6202% | 244 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -1.0878% | 6,917 |
| Return on assets (ROA) | -1.0878% | 6,944 |
| Pretax return on assets | -1.0878% | 6,904 |
| Return on Equity (ROE) | -14.1309% | 6,995 |
| Retained earnings to average equity (ytd only) | -14.1309% | 6,969 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.0000% | 266 |
| Assets per employee ($millions) | 1.6738% | 7,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 3,103 |
| Loan loss allowance to noncurrent loans | 622.2222% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 6,790 |
| Noncurrent loans to loans | 0.2813% | 6,295 |
| Net loans and leases to total assets | 37.5672% | 6,798 |
| Net loans and leases to deposits | 40.6780% | 6,957 |
| Net loans and leases to core deposits | 40.6780% | 7,019 |
| Total domestic deposits to total assets | 92.3527% | 173 |
| Equity capital to assets | 7.1215% | 7,030 |
| Core capital (leverage) ratio | 6.7073% | 7,032 |
| Tier 1 risk-based capital ratio | 11.0960% | 6,478 |
| Total risk-based capital ratio | 12.1823% | 6,561 |
| Memoranda: | ||
| Average total assets | $8,089,750 | 7,424 |
| Average earning assets | $7,504,750 | 7,413 |
| Average equity | $622,750 | 7,428 |
| Average total loans | $2,938,000 | 7,376 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 6,427 |
| Cost of funding earning assets | 0.2173% | 7,400 |
| Net interest margin | 3.9106% | 3,259 |
| Noninterest income to average assets | 0.9754% | 1,393 |
| Noninterest expense to average assets | 5.7524% | 232 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.1755% | 6,996 |
| Return on assets (ROA) | -1.1755% | 7,008 |
| Pretax return on assets | -1.1755% | 6,957 |
| Return on Equity (ROE) | -14.8812% | 7,062 |
| Retained earnings to average equity (ytd only) | -14.8812% | 7,033 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.6831% | 290 |
| Assets per employee ($millions) | 2.0730% | 7,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 2,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 33.7192% | 7,053 |
| Net loans and leases to deposits | 36.6256% | 7,164 |
| Net loans and leases to core deposits | 36.6256% | 7,204 |
| Total domestic deposits to total assets | 92.0646% | 224 |
| Equity capital to assets | 7.4047% | 6,992 |
| Core capital (leverage) ratio | 7.2400% | 6,897 |
| Tier 1 risk-based capital ratio | 18.3769% | 2,054 |
| Total risk-based capital ratio | 19.6206% | 2,002 |
| Memoranda: | ||
| Average total assets | $7,996,670 | 7,500 |
| Average earning assets | $7,364,670 | 7,488 |
| Average equity | $631,670 | 7,504 |
| Average total loans | $2,850,670 | 7,452 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 6,249 |
| Cost of funding earning assets | 0.2219% | 7,465 |
| Net interest margin | 3.9936% | 2,711 |
| Noninterest income to average assets | 1.0192% | 1,271 |
| Noninterest expense to average assets | 5.8097% | 215 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.1212% | 7,075 |
| Return on assets (ROA) | -1.1212% | 7,082 |
| Pretax return on assets | -1.1212% | 7,033 |
| Return on Equity (ROE) | -13.7393% | 7,121 |
| Retained earnings to average equity (ytd only) | -13.7393% | 7,003 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.9130% | 309 |
| Assets per employee ($millions) | 1.9818% | 7,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 2,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 35.8774% | 7,008 |
| Net loans and leases to deposits | 39.1843% | 7,128 |
| Net loans and leases to core deposits | 39.1843% | 7,185 |
| Total domestic deposits to total assets | 91.5605% | 400 |
| Equity capital to assets | 7.9728% | 6,524 |
| Core capital (leverage) ratio | 7.7699% | 6,491 |
| Tier 1 risk-based capital ratio | 17.3326% | 2,366 |
| Total risk-based capital ratio | 18.5988% | 2,332 |
| Memoranda: | ||
| Average total assets | $7,849,000 | 7,560 |
| Average earning assets | $7,211,500 | 7,548 |
| Average equity | $640,500 | 7,558 |
| Average total loans | $2,850,000 | 7,510 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 5,922 |
| Cost of funding earning assets | 0.2757% | 7,522 |
| Net interest margin | 4.3839% | 1,537 |
| Noninterest income to average assets | 1.2350% | 990 |
| Noninterest expense to average assets | 5.6637% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.4616% | 6,361 |
| Return on assets (ROA) | -0.4616% | 6,392 |
| Pretax return on assets | -0.4616% | 6,295 |
| Return on Equity (ROE) | -5.3253% | 6,459 |
| Retained earnings to average equity (ytd only) | -8.4917% | 6,562 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8729% | 560 |
| Assets per employee ($millions) | 1.9428% | 7,440 |
| Cash dividends to net income (ytd only)* | -59.4595% | 7,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 2,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 35.3108% | 7,187 |
| Net loans and leases to deposits | 38.7790% | 7,289 |
| Net loans and leases to core deposits | 38.7790% | 7,329 |
| Total domestic deposits to total assets | 91.0565% | 577 |
| Equity capital to assets | 8.3516% | 6,074 |
| Core capital (leverage) ratio | 8.0943% | 6,028 |
| Tier 1 risk-based capital ratio | 18.0057% | 1,997 |
| Total risk-based capital ratio | 19.2593% | 1,957 |
| Memoranda: | ||
| Average total assets | $8,016,000 | 7,642 |
| Average earning assets | $7,253,800 | 7,631 |
| Average equity | $694,800 | 7,653 |
| Average total loans | $2,619,800 | 7,599 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 5,983 |
| Cost of funding earning assets | 0.2932% | 7,640 |
| Net interest margin | 4.4166% | 1,479 |
| Noninterest income to average assets | 1.2215% | 929 |
| Noninterest expense to average assets | 5.2492% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.0495% | 6,099 |
| Return on assets (ROA) | -0.0495% | 6,213 |
| Pretax return on assets | -0.0495% | 6,167 |
| Return on Equity (ROE) | -0.5664% | 6,229 |
| Retained earnings to average equity (ytd only) | -4.7193% | 6,535 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9524% | 714 |
| Assets per employee ($millions) | 1.5244% | 7,648 |
| Cash dividends to net income (ytd only)* | -733.2500% | 7,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1293% | 1,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 33.7707% | 7,351 |
| Net loans and leases to deposits | 37.4618% | 7,436 |
| Net loans and leases to core deposits | 37.4618% | 7,475 |
| Total domestic deposits to total assets | 90.1469% | 806 |
| Equity capital to assets | 9.1183% | 5,421 |
| Core capital (leverage) ratio | 8.4453% | 5,617 |
| Tier 1 risk-based capital ratio | 19.5079% | 1,641 |
| Total risk-based capital ratio | 20.7674% | 1,605 |
| Memoranda: | ||
| Average total assets | $8,077,250 | 7,744 |
| Average earning assets | $7,275,500 | 7,732 |
| Average equity | $706,250 | 7,755 |
| Average total loans | $2,574,750 | 7,701 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7201% | 6,075 |
| Cost of funding earning assets | 0.2984% | 7,714 |
| Net interest margin | 4.4217% | 1,389 |
| Noninterest income to average assets | 1.2152% | 875 |
| Noninterest expense to average assets | 5.1039% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0729% | 5,940 |
| Return on assets (ROA) | 0.0729% | 6,040 |
| Pretax return on assets | 0.0729% | 6,028 |
| Return on Equity (ROE) | 0.8451% | 5,994 |
| Retained earnings to average equity (ytd only) | -5.3521% | 6,593 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5915% | 856 |
| Assets per employee ($millions) | 1.6420% | 7,695 |
| Cash dividends to net income (ytd only)* | 733.3333% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2187% | 1,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 30.0609% | 7,534 |
| Net loans and leases to deposits | 33.0964% | 7,596 |
| Net loans and leases to core deposits | 33.0964% | 7,617 |
| Total domestic deposits to total assets | 90.8283% | 557 |
| Equity capital to assets | 8.5018% | 6,162 |
| Core capital (leverage) ratio | 8.1571% | 6,025 |
| Tier 1 risk-based capital ratio | 18.2585% | 1,883 |
| Total risk-based capital ratio | 19.5102% | 1,857 |
| Memoranda: | ||
| Average total assets | $8,229,000 | 7,812 |
| Average earning assets | $7,372,670 | 7,798 |
| Average equity | $710,000 | 7,822 |
| Average total loans | $2,556,330 | 7,770 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 5,476 |
| Cost of funding earning assets | 0.3301% | 7,807 |
| Net interest margin | 4.5664% | 1,010 |
| Noninterest income to average assets | 1.2624% | 771 |
| Noninterest expense to average assets | 5.0009% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2913% | 5,331 |
| Return on assets (ROA) | 0.2913% | 5,463 |
| Pretax return on assets | 0.2913% | 5,629 |
| Return on Equity (ROE) | 3.3520% | 5,188 |
| Retained earnings to average equity (ytd only) | -8.9385% | 6,894 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4954% | 1,107 |
| Assets per employee ($millions) | 1.6412% | 7,800 |
| Cash dividends to net income (ytd only)* | 366.6667% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2082% | 1,735 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 30.2218% | 7,618 |
| Net loans and leases to deposits | 33.3244% | 7,675 |
| Net loans and leases to core deposits | 33.3244% | 7,697 |
| Total domestic deposits to total assets | 90.6897% | 660 |
| Equity capital to assets | 8.5669% | 5,916 |
| Core capital (leverage) ratio | 8.2295% | 5,869 |
| Tier 1 risk-based capital ratio | 19.4069% | 1,638 |
| Total risk-based capital ratio | 20.6738% | 1,612 |
| Memoranda: | ||
| Average total assets | $8,238,500 | 7,914 |
| Average earning assets | $7,270,500 | 7,900 |
| Average equity | $716,000 | 7,914 |
| Average total loans | $2,572,500 | 7,870 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1770% | 5,755 |
| Cost of funding earning assets | 0.4314% | 7,864 |
| Net interest margin | 4.7456% | 771 |
| Noninterest income to average assets | 1.1098% | 1,246 |
| Noninterest expense to average assets | 5.0113% | 514 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3776% | 4,221 |
| Return on assets (ROA) | 0.3776% | 4,320 |
| Pretax return on assets | 0.3776% | 4,558 |
| Return on Equity (ROE) | 4.4971% | 3,885 |
| Retained earnings to average equity (ytd only) | 2.5893% | 3,331 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9936% | 1,485 |
| Assets per employee ($millions) | 1.6542% | 7,863 |
| Cash dividends to net income (ytd only)* | 42.4242% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1464% | 1,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 30.8669% | 7,693 |
| Net loans and leases to deposits | 34.1538% | 7,761 |
| Net loans and leases to core deposits | 35.5968% | 7,811 |
| Total domestic deposits to total assets | 90.3760% | 792 |
| Equity capital to assets | 8.8139% | 5,412 |
| Core capital (leverage) ratio | 8.4104% | 5,419 |
| Tier 1 risk-based capital ratio | 19.8051% | 1,490 |
| Total risk-based capital ratio | 21.0662% | 1,453 |
| Memoranda: | ||
| Average total assets | $8,740,200 | 7,983 |
| Average earning assets | $7,881,000 | 7,972 |
| Average equity | $733,800 | 8,000 |
| Average total loans | $2,687,000 | 7,943 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1663% | 6,031 |
| Cost of funding earning assets | 0.4485% | 7,960 |
| Net interest margin | 4.7178% | 805 |
| Noninterest income to average assets | 1.0988% | 1,317 |
| Noninterest expense to average assets | 4.8320% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5419% | 3,824 |
| Return on assets (ROA) | 0.5419% | 3,908 |
| Pretax return on assets | 0.5419% | 4,397 |
| Return on Equity (ROE) | 6.5306% | 3,287 |
| Retained earnings to average equity (ytd only) | 3.9905% | 3,050 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9160% | 1,696 |
| Assets per employee ($millions) | 1.6632% | 7,946 |
| Cash dividends to net income (ytd only)* | 38.8958% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1037% | 1,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 31.3372% | 7,773 |
| Net loans and leases to deposits | 35.9349% | 7,825 |
| Net loans and leases to core deposits | 37.5018% | 7,884 |
| Total domestic deposits to total assets | 87.2054% | 2,075 |
| Equity capital to assets | 8.9105% | 5,618 |
| Core capital (leverage) ratio | 8.1561% | 6,092 |
| Tier 1 risk-based capital ratio | 20.0462% | 1,549 |
| Total risk-based capital ratio | 21.2883% | 1,498 |
| Memoranda: | ||
| Average total assets | $8,857,500 | 8,068 |
| Average earning assets | $8,026,250 | 8,053 |
| Average equity | $735,000 | 8,085 |
| Average total loans | $2,706,500 | 8,023 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1253% | 6,338 |
| Cost of funding earning assets | 0.4881% | 8,044 |
| Net interest margin | 4.6372% | 893 |
| Noninterest income to average assets | 1.0843% | 1,357 |
| Noninterest expense to average assets | 4.6692% | 658 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6196% | 3,595 |
| Return on assets (ROA) | 0.6196% | 3,706 |
| Pretax return on assets | 0.6196% | 4,272 |
| Return on Equity (ROE) | 7.6398% | 2,908 |
| Retained earnings to average equity (ytd only) | 3.8199% | 3,168 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2845% | 1,979 |
| Assets per employee ($millions) | 1.7562% | 7,998 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2240% | 1,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 28.0378% | 7,929 |
| Net loans and leases to deposits | 31.6493% | 7,971 |
| Net loans and leases to core deposits | 32.9276% | 8,012 |
| Total domestic deposits to total assets | 88.5890% | 1,483 |
| Equity capital to assets | 8.3931% | 6,208 |
| Core capital (leverage) ratio | 7.7001% | 6,758 |
| Tier 1 risk-based capital ratio | 19.4720% | 1,683 |
| Total risk-based capital ratio | 20.7210% | 1,640 |
| Memoranda: | ||
| Average total assets | $9,038,000 | 8,160 |
| Average earning assets | $8,194,670 | 8,145 |
| Average equity | $733,000 | 8,177 |
| Average total loans | $2,721,330 | 8,114 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9045% | 7,166 |
| Cost of funding earning assets | 0.5238% | 8,090 |
| Net interest margin | 4.3807% | 1,390 |
| Noninterest income to average assets | 1.0473% | 1,360 |
| Noninterest expense to average assets | 4.5383% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5236% | 4,322 |
| Return on assets (ROA) | 0.5236% | 4,509 |
| Pretax return on assets | 0.5236% | 5,008 |
| Return on Equity (ROE) | 6.5663% | 3,797 |
| Retained earnings to average equity (ytd only) | -1.0944% | 5,911 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6552% | 1,749 |
| Assets per employee ($millions) | 1.5617% | 8,099 |
| Cash dividends to net income (ytd only)* | 116.6667% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9574% | 1,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 29.9360% | 7,917 |
| Net loans and leases to deposits | 32.7763% | 7,999 |
| Net loans and leases to core deposits | 33.9753% | 8,047 |
| Total domestic deposits to total assets | 91.3340% | 315 |
| Equity capital to assets | 7.7588% | 7,121 |
| Core capital (leverage) ratio | 7.3683% | 7,303 |
| Tier 1 risk-based capital ratio | 17.5807% | 2,162 |
| Total risk-based capital ratio | 18.8402% | 2,099 |
| Memoranda: | ||
| Average total assets | $9,166,500 | 8,205 |
| Average earning assets | $8,400,500 | 8,189 |
| Average equity | $731,000 | 8,230 |
| Average total loans | $2,823,000 | 8,167 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6337% | 6,977 |
| Cost of funding earning assets | 0.8935% | 8,090 |
| Net interest margin | 4.7403% | 885 |
| Noninterest income to average assets | 1.1193% | 1,248 |
| Noninterest expense to average assets | 4.7381% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3338% | 5,425 |
| Return on assets (ROA) | 0.3478% | 5,172 |
| Pretax return on assets | 0.5542% | 4,843 |
| Return on Equity (ROE) | 4.5147% | 4,596 |
| Retained earnings to average equity (ytd only) | 0.5643% | 4,901 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8969% | 1,524 |
| Assets per employee ($millions) | 1.4938% | 8,164 |
| Cash dividends to net income (ytd only)* | 87.5000% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0108% | 1,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 30.4474% | 7,978 |
| Net loans and leases to deposits | 33.5547% | 8,067 |
| Net loans and leases to core deposits | 34.8442% | 8,118 |
| Total domestic deposits to total assets | 90.7397% | 411 |
| Equity capital to assets | 8.2004% | 6,551 |
| Core capital (leverage) ratio | 7.3862% | 7,319 |
| Tier 1 risk-based capital ratio | 18.2510% | 1,973 |
| Total risk-based capital ratio | 19.5003% | 1,926 |
| Memoranda: | ||
| Average total assets | $9,202,000 | 8,259 |
| Average earning assets | $8,058,600 | 8,250 |
| Average equity | $708,800 | 8,294 |
| Average total loans | $2,696,200 | 8,222 |