Home > Pulaski Savings Bank > Performance and Condition Ratios
Pulaski Savings 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 | 4.2413% | 3,546 |
| Cost of funding earning assets | 0.9893% | 3,322 |
| Net interest margin | 3.2520% | 2,750 |
| Noninterest income to average assets | 0.9200% | 737 |
| Noninterest expense to average assets | 3.4419% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4835% | 3,701 |
| Return on assets (ROA) | 0.4835% | 3,700 |
| Pretax return on assets | 0.4835% | 3,838 |
| Return on Equity (ROE) | 4.5900% | 3,800 |
| Retained earnings to average equity (ytd only) | 4.5896% | 2,758 |
| 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 | 87.6823% | 493 |
| Assets per employee ($millions) | 8.2388% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2965% | 4,426 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 84.3500% | 248 |
| Net loans and leases to deposits | 99.9760% | 539 |
| Net loans and leases to core deposits | 103.8426% | 1,226 |
| Total domestic deposits to total assets | 84.3700% | 2,512 |
| Equity capital to assets | 11.1707% | 1,411 |
| Core capital (leverage) ratio | 11.1359% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6715% | 501 |
| Memoranda: | ||
| Average total assets | $50,669,000 | 4,318 |
| Average earning assets | $46,801,600 | 4,285 |
| Average equity | $5,338,200 | 4,228 |
| Average total loans | $42,938,600 | 3,950 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 4,146 |
| Cost of funding earning assets | 0.7437% | 3,664 |
| Net interest margin | 3.0202% | 3,306 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 2.7541% | 1,532 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0706% | 4,338 |
| Return on assets (ROA) | 0.0706% | 4,359 |
| Pretax return on assets | 0.0706% | 4,356 |
| Return on Equity (ROE) | 0.6800% | 4,345 |
| Retained earnings to average equity (ytd only) | 0.6802% | 4,016 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 97.5000% | 208 |
| Assets per employee ($millions) | 8.3260% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2877% | 4,449 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 86.0100% | 155 |
| Net loans and leases to deposits | 101.3133% | 459 |
| Net loans and leases to core deposits | 104.5144% | 1,092 |
| Total domestic deposits to total assets | 84.9000% | 2,528 |
| Equity capital to assets | 10.6254% | 1,504 |
| Core capital (leverage) ratio | 10.6126% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2558% | 421 |
| Memoranda: | ||
| Average total assets | $50,978,000 | 4,330 |
| Average earning assets | $46,794,500 | 4,303 |
| Average equity | $5,292,250 | 4,246 |
| Average total loans | $43,217,750 | 3,957 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 3,376 |
| Cost of funding earning assets | 0.8371% | 3,108 |
| Net interest margin | 3.3231% | 2,704 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 3.0048% | 1,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1169% | 4,351 |
| Return on assets (ROA) | 0.1169% | 4,381 |
| Pretax return on assets | 0.1169% | 4,385 |
| Return on Equity (ROE) | 1.1300% | 4,360 |
| Retained earnings to average equity (ytd only) | 1.1349% | 3,887 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 96.2547% | 216 |
| Assets per employee ($millions) | 8.2423% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2849% | 4,486 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 87.7700% | 87 |
| Net loans and leases to deposits | 103.1707% | 394 |
| Net loans and leases to core deposits | 106.4471% | 963 |
| Total domestic deposits to total assets | 85.0800% | 2,525 |
| Equity capital to assets | 10.7393% | 1,496 |
| Core capital (leverage) ratio | 10.5188% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5584% | 456 |
| Memoranda: | ||
| Average total assets | $51,318,667 | 4,345 |
| Average earning assets | $47,304,667 | 4,319 |
| Average equity | $5,287,000 | 4,271 |
| Average total loans | $43,259,333 | 3,972 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 3,627 |
| Cost of funding earning assets | 0.7094% | 3,027 |
| Net interest margin | 3.2130% | 3,085 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 3.0621% | 979 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.0612% | 4,518 |
| Return on assets (ROA) | -0.0612% | 4,502 |
| Pretax return on assets | -0.0612% | 4,490 |
| Return on Equity (ROE) | -0.6100% | 4,476 |
| Retained earnings to average equity (ytd only) | -0.6066% | 4,099 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 102.0408% | 150 |
| Assets per employee ($millions) | 8.6452% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2889% | 4,542 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 82.5000% | 324 |
| Net loans and leases to deposits | 101.6919% | 371 |
| Net loans and leases to core deposits | 104.2889% | 910 |
| Total domestic deposits to total assets | 81.1300% | 3,618 |
| Equity capital to assets | 10.1656% | 1,737 |
| Core capital (leverage) ratio | 10.1987% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5663% | 466 |
| Memoranda: | ||
| Average total assets | $52,251,000 | 4,393 |
| Average earning assets | $47,930,000 | 4,374 |
| Average equity | $5,275,000 | 4,324 |
| Average total loans | $43,123,500 | 4,015 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8052% | 2,264 |
| Cost of funding earning assets | 0.4617% | 1,639 |
| Net interest margin | 3.3435% | 2,439 |
| Noninterest income to average assets | 1.9500% | 256 |
| Noninterest expense to average assets | 3.3017% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6682% | 584 |
| Return on assets (ROA) | 1.6682% | 556 |
| Pretax return on assets | 1.7068% | 905 |
| Return on Equity (ROE) | 16.7900% | 900 |
| Retained earnings to average equity (ytd only) | 16.7891% | 185 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.9214% | 2,235 |
| Assets per employee ($millions) | 8.7718% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2862% | 4,557 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 82.0900% | 398 |
| Net loans and leases to deposits | 100.9274% | 404 |
| Net loans and leases to core deposits | 101.6135% | 914 |
| Total domestic deposits to total assets | 81.3300% | 3,719 |
| Equity capital to assets | 10.0264% | 1,692 |
| Core capital (leverage) ratio | 10.1911% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5315% | 447 |
| Memoranda: | ||
| Average total assets | $51,792,000 | 4,427 |
| Average earning assets | $47,435,200 | 4,403 |
| Average equity | $5,146,200 | 4,411 |
| Average total loans | $43,678,600 | 3,999 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 1,624 |
| Cost of funding earning assets | 0.4235% | 1,130 |
| Net interest margin | 3.4248% | 1,896 |
| Noninterest income to average assets | 2.5500% | 208 |
| Noninterest expense to average assets | 3.2362% | 650 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.4013% | 165 |
| Return on assets (ROA) | 2.4013% | 163 |
| Pretax return on assets | 2.4530% | 224 |
| Return on Equity (ROE) | 24.2200% | 213 |
| Retained earnings to average equity (ytd only) | 24.2229% | 51 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.8832% | 3,533 |
| Assets per employee ($millions) | 8.8665% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2802% | 4,594 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 82.9500% | 321 |
| Net loans and leases to deposits | 101.8675% | 307 |
| Net loans and leases to core deposits | 102.5516% | 717 |
| Total domestic deposits to total assets | 81.4300% | 3,912 |
| Equity capital to assets | 10.0434% | 1,598 |
| Core capital (leverage) ratio | 10.3803% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9075% | 495 |
| Memoranda: | ||
| Average total assets | $51,582,250 | 4,456 |
| Average earning assets | $47,222,750 | 4,438 |
| Average equity | $5,113,500 | 4,457 |
| Average total loans | $43,766,500 | 4,022 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8778% | 1,153 |
| Cost of funding earning assets | 0.3994% | 924 |
| Net interest margin | 3.4784% | 1,374 |
| Noninterest income to average assets | 3.9692% | 117 |
| Noninterest expense to average assets | 3.3305% | 527 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 3.8124% | 47 |
| Return on assets (ROA) | 3.8124% | 45 |
| Pretax return on assets | 3.8124% | 58 |
| Return on Equity (ROE) | 38.6341% | 30 |
| Retained earnings to average equity (ytd only) | 38.6341% | 13 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6264% | 4,422 |
| Assets per employee ($millions) | 8.8562% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2758% | 4,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 2,172 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 84.3781% | 172 |
| Net loans and leases to deposits | 103.8495% | 173 |
| Net loans and leases to core deposits | 106.4103% | 436 |
| Total domestic deposits to total assets | 81.2504% | 4,096 |
| Equity capital to assets | 10.1474% | 1,628 |
| Core capital (leverage) ratio | 10.5394% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1774% | 469 |
| Memoranda: | ||
| Average total assets | $51,043,333 | 4,502 |
| Average earning assets | $46,572,667 | 4,502 |
| Average equity | $5,037,000 | 4,517 |
| Average total loans | $43,604,000 | 4,078 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6954% | 1,281 |
| Cost of funding earning assets | 0.3553% | 1,164 |
| Net interest margin | 3.3401% | 1,472 |
| Noninterest income to average assets | 6.6725% | 80 |
| Noninterest expense to average assets | 2.8882% | 979 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 6.7925% | 29 |
| Return on assets (ROA) | 6.7925% | 28 |
| Pretax return on assets | 6.7925% | 32 |
| Return on Equity (ROE) | 69.8837% | 9 |
| Retained earnings to average equity (ytd only) | 69.8837% | 6 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.8347% | 4,744 |
| Assets per employee ($millions) | 8.4293% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2856% | 4,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 1,706 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 85.5860% | 59 |
| Net loans and leases to deposits | 97.7420% | 238 |
| Net loans and leases to core deposits | 100.1018% | 511 |
| Total domestic deposits to total assets | 87.5633% | 2,719 |
| Equity capital to assets | 10.4358% | 1,618 |
| Core capital (leverage) ratio | 10.6653% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8523% | 442 |
| Memoranda: | ||
| Average total assets | $49,996,500 | 4,538 |
| Average earning assets | $45,028,500 | 4,548 |
| Average equity | $4,859,500 | 4,573 |
| Average total loans | $42,926,000 | 4,105 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 2,189 |
| Cost of funding earning assets | 0.5394% | 752 |
| Net interest margin | 3.1336% | 2,793 |
| Noninterest income to average assets | 2.0753% | 298 |
| Noninterest expense to average assets | 3.0798% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5108% | 984 |
| Return on assets (ROA) | 1.5108% | 1,027 |
| Pretax return on assets | 1.8081% | 899 |
| Return on Equity (ROE) | 18.5826% | 412 |
| Retained earnings to average equity (ytd only) | 18.5826% | 85 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0086% | 2,715 |
| Assets per employee ($millions) | 8.2362% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2922% | 4,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 1,795 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 85.6345% | 72 |
| Net loans and leases to deposits | 98.2745% | 242 |
| Net loans and leases to core deposits | 100.7092% | 507 |
| Total domestic deposits to total assets | 87.1380% | 2,455 |
| Equity capital to assets | 8.9868% | 3,630 |
| Core capital (leverage) ratio | 9.0692% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5339% | 697 |
| Memoranda: | ||
| Average total assets | $49,775,400 | 4,562 |
| Average earning assets | $44,676,400 | 4,564 |
| Average equity | $4,046,800 | 4,701 |
| Average total loans | $39,988,200 | 4,188 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7849% | 2,045 |
| Cost of funding earning assets | 0.5910% | 666 |
| Net interest margin | 3.1939% | 2,748 |
| Noninterest income to average assets | 2.7353% | 222 |
| Noninterest expense to average assets | 3.0321% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.5642% | 197 |
| Return on assets (ROA) | 2.5642% | 199 |
| Pretax return on assets | 2.5642% | 301 |
| Return on Equity (ROE) | 32.3848% | 73 |
| Retained earnings to average equity (ytd only) | 32.3848% | 22 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1806% | 3,785 |
| Assets per employee ($millions) | 7.1681% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3068% | 4,811 |
| Loan loss allowance to noncurrent loans | 84.9315% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 2,318 |
| Noncurrent loans to loans | 0.3612% | 2,486 |
| Net loans and leases to total assets | 80.3057% | 272 |
| Net loans and leases to deposits | 92.4430% | 473 |
| Net loans and leases to core deposits | 94.7026% | 800 |
| Total domestic deposits to total assets | 86.8705% | 2,400 |
| Equity capital to assets | 9.2811% | 3,581 |
| Core capital (leverage) ratio | 9.5407% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9479% | 607 |
| Memoranda: | ||
| Average total assets | $49,865,000 | 4,625 |
| Average earning assets | $44,667,750 | 4,630 |
| Average equity | $3,948,250 | 4,774 |
| Average total loans | $39,374,750 | 4,263 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8731% | 1,891 |
| Cost of funding earning assets | 0.6851% | 499 |
| Net interest margin | 3.1880% | 2,787 |
| Noninterest income to average assets | 0.0643% | 4,804 |
| Noninterest expense to average assets | 2.8215% | 1,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1045% | 4,706 |
| Return on assets (ROA) | 0.1045% | 4,722 |
| Pretax return on assets | 0.1045% | 4,728 |
| Return on Equity (ROE) | 1.4009% | 4,656 |
| Retained earnings to average equity (ytd only) | 1.4009% | 4,259 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4286% | 210 |
| Assets per employee ($millions) | 6.8289% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3275% | 4,834 |
| Loan loss allowance to noncurrent loans | 84.9315% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 2,385 |
| Noncurrent loans to loans | 0.3856% | 2,518 |
| Net loans and leases to total assets | 78.9528% | 381 |
| Net loans and leases to deposits | 87.6902% | 793 |
| Net loans and leases to core deposits | 89.8574% | 1,150 |
| Total domestic deposits to total assets | 90.0360% | 759 |
| Equity capital to assets | 7.7947% | 4,634 |
| Core capital (leverage) ratio | 7.6751% | 4,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5650% | 1,021 |
| Memoranda: | ||
| Average total assets | $49,761,000 | 4,656 |
| Average earning assets | $44,667,333 | 4,656 |
| Average equity | $3,712,000 | 4,828 |
| Average total loans | $39,026,667 | 4,304 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 2,001 |
| Cost of funding earning assets | 0.7510% | 448 |
| Net interest margin | 3.0824% | 3,046 |
| Noninterest income to average assets | 0.0552% | 4,837 |
| Noninterest expense to average assets | 2.7670% | 1,445 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0709% | 4,736 |
| Return on assets (ROA) | 0.0709% | 4,745 |
| Pretax return on assets | 0.0709% | 4,747 |
| Return on Equity (ROE) | 0.9717% | 4,714 |
| Retained earnings to average equity (ytd only) | 0.9717% | 4,224 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5000% | 223 |
| Assets per employee ($millions) | 6.4180% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3182% | 4,866 |
| Loan loss allowance to noncurrent loans | 32.7177% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 1,250 |
| Noncurrent loans to loans | 0.9725% | 1,390 |
| Net loans and leases to total assets | 75.6603% | 662 |
| Net loans and leases to deposits | 91.1559% | 639 |
| Net loans and leases to core deposits | 92.3170% | 1,097 |
| Total domestic deposits to total assets | 83.0009% | 3,687 |
| Equity capital to assets | 7.2238% | 4,793 |
| Core capital (leverage) ratio | 7.5091% | 4,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6907% | 1,125 |
| Memoranda: | ||
| Average total assets | $50,740,500 | 4,665 |
| Average earning assets | $45,808,000 | 4,660 |
| Average equity | $3,705,000 | 4,851 |
| Average total loans | $39,607,500 | 4,314 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 2,356 |
| Cost of funding earning assets | 1.0337% | 523 |
| Net interest margin | 3.0898% | 3,656 |
| Noninterest income to average assets | 0.4802% | 2,725 |
| Noninterest expense to average assets | 2.9332% | 1,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3737% | 4,295 |
| Return on assets (ROA) | 0.3737% | 4,377 |
| Pretax return on assets | 0.3737% | 4,456 |
| Return on Equity (ROE) | 5.0064% | 3,900 |
| Retained earnings to average equity (ytd only) | 5.0064% | 2,265 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6995% | 421 |
| Assets per employee ($millions) | 6.2671% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3081% | 4,896 |
| Loan loss allowance to noncurrent loans | 84.9315% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 2,830 |
| Noncurrent loans to loans | 0.3628% | 2,897 |
| Net loans and leases to total assets | 80.0207% | 425 |
| Net loans and leases to deposits | 96.9926% | 504 |
| Net loans and leases to core deposits | 97.6655% | 1,022 |
| Total domestic deposits to total assets | 82.5019% | 3,535 |
| Equity capital to assets | 7.3818% | 4,861 |
| Core capital (leverage) ratio | 7.5690% | 4,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5177% | 1,150 |
| Memoranda: | ||
| Average total assets | $47,899,200 | 4,680 |
| Average earning assets | $43,821,600 | 4,675 |
| Average equity | $3,575,400 | 4,874 |
| Average total loans | $38,932,800 | 4,329 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 2,419 |
| Cost of funding earning assets | 1.1038% | 533 |
| Net interest margin | 3.0875% | 3,766 |
| Noninterest income to average assets | 0.0535% | 4,880 |
| Noninterest expense to average assets | 2.7686% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1211% | 4,682 |
| Return on assets (ROA) | 0.1211% | 4,710 |
| Pretax return on assets | 0.1211% | 4,709 |
| Return on Equity (ROE) | 1.6177% | 4,607 |
| Retained earnings to average equity (ytd only) | 1.6177% | 4,050 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8090% | 229 |
| Assets per employee ($millions) | 6.0660% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3066% | 4,929 |
| Loan loss allowance to noncurrent loans | 84.9315% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 2,951 |
| Noncurrent loans to loans | 0.3610% | 2,990 |
| Net loans and leases to total assets | 83.0758% | 356 |
| Net loans and leases to deposits | 101.9497% | 458 |
| Net loans and leases to core deposits | 102.6846% | 998 |
| Total domestic deposits to total assets | 81.4870% | 3,542 |
| Equity capital to assets | 7.3483% | 4,890 |
| Core capital (leverage) ratio | 7.4664% | 4,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1119% | 1,226 |
| Memoranda: | ||
| Average total assets | $47,339,750 | 4,709 |
| Average earning assets | $43,486,750 | 4,701 |
| Average equity | $3,544,000 | 4,901 |
| Average total loans | $38,605,000 | 4,364 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 2,565 |
| Cost of funding earning assets | 1.1796% | 544 |
| Net interest margin | 3.0838% | 3,934 |
| Noninterest income to average assets | 0.0511% | 4,911 |
| Noninterest expense to average assets | 2.7948% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0852% | 4,701 |
| Return on assets (ROA) | 0.0852% | 4,730 |
| Pretax return on assets | 0.0852% | 4,736 |
| Return on Equity (ROE) | 1.1310% | 4,668 |
| Retained earnings to average equity (ytd only) | 1.1310% | 4,065 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0414% | 224 |
| Assets per employee ($millions) | 6.0205% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3272% | 4,948 |
| Loan loss allowance to noncurrent loans | 84.9315% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 3,098 |
| Noncurrent loans to loans | 0.3853% | 3,026 |
| Net loans and leases to total assets | 78.4258% | 800 |
| Net loans and leases to deposits | 95.4611% | 836 |
| Net loans and leases to core deposits | 96.1414% | 1,572 |
| Total domestic deposits to total assets | 82.1547% | 3,327 |
| Equity capital to assets | 7.3603% | 4,912 |
| Core capital (leverage) ratio | 7.5285% | 4,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5958% | 1,115 |
| Memoranda: | ||
| Average total assets | $46,943,667 | 4,732 |
| Average earning assets | $43,064,333 | 4,725 |
| Average equity | $3,536,667 | 4,934 |
| Average total loans | $37,993,667 | 4,386 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4424% | 2,469 |
| Cost of funding earning assets | 1.0458% | 1,236 |
| Net interest margin | 3.3966% | 3,304 |
| Noninterest income to average assets | 0.0518% | 4,969 |
| Noninterest expense to average assets | 2.9266% | 2,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2935% | 4,359 |
| Return on assets (ROA) | 0.2935% | 4,381 |
| Pretax return on assets | 0.2935% | 4,463 |
| Return on Equity (ROE) | 3.8500% | 3,994 |
| Retained earnings to average equity (ytd only) | 3.8500% | 2,736 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8847% | 463 |
| Assets per employee ($millions) | 5.7811% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3274% | 4,977 |
| Loan loss allowance to noncurrent loans | 84.9315% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 3,173 |
| Noncurrent loans to loans | 0.3855% | 3,109 |
| Net loans and leases to total assets | 81.6126% | 483 |
| Net loans and leases to deposits | 100.1858% | 546 |
| Net loans and leases to core deposits | 100.9306% | 1,402 |
| Total domestic deposits to total assets | 81.4612% | 3,557 |
| Equity capital to assets | 7.6975% | 5,016 |
| Core capital (leverage) ratio | 7.6331% | 5,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8374% | 1,168 |
| Memoranda: | ||
| Average total assets | $46,333,500 | 4,763 |
| Average earning assets | $43,219,500 | 4,753 |
| Average equity | $3,532,500 | 4,978 |
| Average total loans | $38,042,000 | 4,412 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7248% | 4,654 |
| Cost of funding earning assets | 1.2551% | 876 |
| Net interest margin | 2.4697% | 4,980 |
| Noninterest income to average assets | 0.9476% | 1,074 |
| Noninterest expense to average assets | 3.0999% | 1,762 |
| Loan and lease loss provision to assets | 0.0552% | 2,923 |
| Net operating income to assets | 0.1254% | 4,910 |
| Return on assets (ROA) | 0.1254% | 4,925 |
| Pretax return on assets | 0.1254% | 4,931 |
| Return on Equity (ROE) | 1.7260% | 4,830 |
| Retained earnings to average equity (ytd only) | 1.7260% | 4,115 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4948% | 237 |
| Assets per employee ($millions) | 5.8023% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3245% | 5,030 |
| Loan loss allowance to noncurrent loans | 84.9315% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 3,162 |
| Noncurrent loans to loans | 0.3820% | 3,069 |
| Net loans and leases to total assets | 82.0608% | 551 |
| Net loans and leases to deposits | 100.8152% | 536 |
| Net loans and leases to core deposits | 102.9375% | 1,318 |
| Total domestic deposits to total assets | 81.3973% | 3,677 |
| Equity capital to assets | 7.5510% | 5,106 |
| Core capital (leverage) ratio | 7.4916% | 5,104 |
| Tier 1 risk-based capital ratio | 16.8288% | 2,111 |
| Total risk-based capital ratio | 17.4201% | 2,292 |
| Memoranda: | ||
| Average total assets | $47,066,400 | 4,799 |
| Average earning assets | $44,458,200 | 4,775 |
| Average equity | $3,418,400 | 5,046 |
| Average total loans | $33,421,400 | 4,568 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7146% | 4,768 |
| Cost of funding earning assets | 1.1733% | 1,101 |
| Net interest margin | 2.5412% | 5,041 |
| Noninterest income to average assets | 0.5449% | 2,490 |
| Noninterest expense to average assets | 2.9981% | 1,987 |
| Loan and lease loss provision to assets | 0.0028% | 3,808 |
| Net operating income to assets | -0.0593% | 5,080 |
| Return on assets (ROA) | -0.0593% | 5,087 |
| Pretax return on assets | -0.0593% | 5,081 |
| Return on Equity (ROE) | -0.8243% | 5,095 |
| Retained earnings to average equity (ytd only) | -0.8243% | 4,845 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9194% | 138 |
| Assets per employee ($millions) | 6.1200% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2835% | 5,123 |
| Loan loss allowance to noncurrent loans | 68.7500% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 3,371 |
| Noncurrent loans to loans | 0.4124% | 3,071 |
| Net loans and leases to total assets | 71.1213% | 2,305 |
| Net loans and leases to deposits | 90.4959% | 1,635 |
| Net loans and leases to core deposits | 92.9800% | 2,269 |
| Total domestic deposits to total assets | 78.5907% | 4,253 |
| Equity capital to assets | 6.9853% | 5,225 |
| Core capital (leverage) ratio | 7.2021% | 5,209 |
| Tier 1 risk-based capital ratio | 16.5929% | 2,231 |
| Total risk-based capital ratio | 17.0692% | 2,447 |
| Memoranda: | ||
| Average total assets | $47,228,500 | 4,866 |
| Average earning assets | $44,544,250 | 4,843 |
| Average equity | $3,396,750 | 5,121 |
| Average total loans | $32,223,000 | 4,662 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6134% | 4,921 |
| Cost of funding earning assets | 1.1306% | 1,193 |
| Net interest margin | 2.4828% | 5,137 |
| Noninterest income to average assets | 0.7974% | 1,357 |
| Noninterest expense to average assets | 3.0524% | 1,857 |
| Loan and lease loss provision to assets | 0.1243% | 1,496 |
| Net operating income to assets | -0.0257% | 5,110 |
| Return on assets (ROA) | -0.0257% | 5,115 |
| Pretax return on assets | -0.0257% | 5,116 |
| Return on Equity (ROE) | -0.3541% | 5,121 |
| Retained earnings to average equity (ytd only) | -0.3541% | 4,743 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8707% | 192 |
| Assets per employee ($millions) | 6.1304% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3784% | 5,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 68.1749% | 2,789 |
| Net loans and leases to deposits | 87.2977% | 2,085 |
| Net loans and leases to core deposits | 89.0484% | 2,689 |
| Total domestic deposits to total assets | 78.0947% | 4,380 |
| Equity capital to assets | 6.9857% | 5,266 |
| Core capital (leverage) ratio | 7.3518% | 5,242 |
| Tier 1 risk-based capital ratio | 16.9414% | 2,108 |
| Total risk-based capital ratio | 17.5625% | 2,248 |
| Memoranda: | ||
| Average total assets | $46,651,330 | 4,917 |
| Average earning assets | $44,223,670 | 4,894 |
| Average equity | $3,389,000 | 5,159 |
| Average total loans | $31,324,000 | 4,710 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5126% | 5,040 |
| Cost of funding earning assets | 0.8966% | 2,022 |
| Net interest margin | 2.6160% | 5,127 |
| Noninterest income to average assets | 1.5752% | 352 |
| Noninterest expense to average assets | 3.2383% | 1,410 |
| Loan and lease loss provision to assets | 0.2200% | 710 |
| Net operating income to assets | 0.6072% | 4,216 |
| Return on assets (ROA) | 0.6072% | 4,255 |
| Pretax return on assets | 0.6072% | 4,498 |
| Return on Equity (ROE) | 8.1887% | 3,173 |
| Retained earnings to average equity (ytd only) | 8.1887% | 1,593 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6537% | 1,092 |
| Assets per employee ($millions) | 5.0841% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4111% | 5,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 65.1135% | 3,161 |
| Net loans and leases to deposits | 79.1488% | 2,935 |
| Net loans and leases to core deposits | 80.2186% | 3,347 |
| Total domestic deposits to total assets | 82.2672% | 3,654 |
| Equity capital to assets | 7.5158% | 5,266 |
| Core capital (leverage) ratio | 7.8310% | 5,242 |
| Tier 1 risk-based capital ratio | 18.8245% | 1,582 |
| Total risk-based capital ratio | 19.4787% | 1,685 |
| Memoranda: | ||
| Average total assets | $45,455,500 | 4,986 |
| Average earning assets | $43,272,500 | 4,956 |
| Average equity | $3,370,500 | 5,213 |
| Average total loans | $30,205,000 | 4,784 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3186% | 5,066 |
| Cost of funding earning assets | 0.7509% | 1,784 |
| Net interest margin | 2.5677% | 5,176 |
| Noninterest income to average assets | 0.1012% | 5,145 |
| Noninterest expense to average assets | 3.2866% | 1,353 |
| Loan and lease loss provision to assets | 0.1260% | 1,742 |
| Net operating income to assets | -0.9268% | 5,338 |
| Return on assets (ROA) | -0.9268% | 5,332 |
| Pretax return on assets | -0.9268% | 5,330 |
| Return on Equity (ROE) | -11.8004% | 5,360 |
| Retained earnings to average equity (ytd only) | -11.8004% | 5,335 |
| Net charge-offs to loans | 0.1309% | 1,443 |
| Credit loss provision to net charge-offs | 155.5556% | 1,783 |
| Earnings coverage of net charge-offs (x) | -9.8889% | 3,756 |
| Efficiency ratio | 132.2172% | 39 |
| Assets per employee ($millions) | 5.0171% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3214% | 5,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 67.3141% | 2,964 |
| Net loans and leases to deposits | 80.6597% | 2,884 |
| Net loans and leases to core deposits | 81.8015% | 3,279 |
| Total domestic deposits to total assets | 83.4544% | 3,173 |
| Equity capital to assets | 7.3128% | 5,298 |
| Core capital (leverage) ratio | 7.7526% | 5,287 |
| Tier 1 risk-based capital ratio | 18.3978% | 1,647 |
| Total risk-based capital ratio | 18.9173% | 1,807 |
| Memoranda: | ||
| Average total assets | $44,453,400 | 5,039 |
| Average earning assets | $41,282,400 | 5,028 |
| Average equity | $3,491,400 | 5,240 |
| Average total loans | $27,504,200 | 4,877 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3170% | 5,110 |
| Cost of funding earning assets | 0.6340% | 2,249 |
| Net interest margin | 2.6830% | 5,178 |
| Noninterest income to average assets | 0.1776% | 4,895 |
| Noninterest expense to average assets | 3.3484% | 1,202 |
| Loan and lease loss provision to assets | 0.1536% | 1,279 |
| Net operating income to assets | -0.8522% | 5,415 |
| Return on assets (ROA) | -0.8522% | 5,409 |
| Pretax return on assets | -0.8522% | 5,407 |
| Return on Equity (ROE) | -10.6625% | 5,422 |
| Retained earnings to average equity (ytd only) | -10.6625% | 5,396 |
| Net charge-offs to loans | 0.1794% | 931 |
| Credit loss provision to net charge-offs | 141.6667% | 1,783 |
| Earnings coverage of net charge-offs (x) | -6.4444% | 3,459 |
| Efficiency ratio | 126.3636% | 46 |
| Assets per employee ($millions) | 5.1168% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3277% | 5,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 3,859 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 61.4254% | 3,706 |
| Net loans and leases to deposits | 72.3342% | 3,748 |
| Net loans and leases to core deposits | 72.3342% | 4,060 |
| Total domestic deposits to total assets | 84.9189% | 2,635 |
| Equity capital to assets | 7.3115% | 5,342 |
| Core capital (leverage) ratio | 8.1156% | 5,290 |
| Tier 1 risk-based capital ratio | 20.2009% | 1,299 |
| Total risk-based capital ratio | 20.7227% | 1,412 |
| Memoranda: | ||
| Average total assets | $44,278,250 | 5,103 |
| Average earning assets | $40,798,750 | 5,097 |
| Average equity | $3,538,750 | 5,301 |
| Average total loans | $26,757,000 | 4,948 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2181% | 5,212 |
| Cost of funding earning assets | 0.5661% | 2,465 |
| Net interest margin | 2.6519% | 5,249 |
| Noninterest income to average assets | 0.2381% | 4,588 |
| Noninterest expense to average assets | 3.1725% | 1,604 |
| Loan and lease loss provision to assets | 0.2014% | 851 |
| Net operating income to assets | -0.6913% | 5,458 |
| Return on assets (ROA) | -0.6913% | 5,451 |
| Pretax return on assets | -0.6913% | 5,448 |
| Return on Equity (ROE) | -8.3982% | 5,463 |
| Retained earnings to average equity (ytd only) | -8.3982% | 5,389 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.2594% | 67 |
| Assets per employee ($millions) | 5.1294% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4265% | 5,334 |
| Loan loss allowance to noncurrent loans | 92.4242% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 3,619 |
| Noncurrent loans to loans | 0.4615% | 3,051 |
| Net loans and leases to total assets | 61.6983% | 3,638 |
| Net loans and leases to deposits | 72.8726% | 3,645 |
| Net loans and leases to core deposits | 72.8726% | 3,954 |
| Total domestic deposits to total assets | 84.6659% | 2,812 |
| Equity capital to assets | 7.5945% | 5,347 |
| Core capital (leverage) ratio | 8.4659% | 5,131 |
| Tier 1 risk-based capital ratio | 20.3236% | 1,267 |
| Total risk-based capital ratio | 20.9881% | 1,344 |
| Memoranda: | ||
| Average total assets | $43,687,330 | 5,171 |
| Average earning assets | $40,272,670 | 5,163 |
| Average equity | $3,596,000 | 5,355 |
| Average total loans | $26,216,000 | 5,017 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1249% | 5,295 |
| Cost of funding earning assets | 0.6168% | 1,933 |
| Net interest margin | 2.5081% | 5,387 |
| Noninterest income to average assets | 0.0565% | 5,458 |
| Noninterest expense to average assets | 3.1285% | 1,745 |
| Loan and lease loss provision to assets | 0.2733% | 504 |
| Net operating income to assets | -1.0460% | 5,532 |
| Return on assets (ROA) | -1.0460% | 5,531 |
| Pretax return on assets | -1.0460% | 5,533 |
| Return on Equity (ROE) | -12.1945% | 5,545 |
| Retained earnings to average equity (ytd only) | -12.1945% | 5,410 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.8000% | 48 |
| Assets per employee ($millions) | 4.8343% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4213% | 5,413 |
| Loan loss allowance to noncurrent loans | 34.9673% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 2,215 |
| Noncurrent loans to loans | 1.2048% | 1,509 |
| Net loans and leases to total assets | 58.1282% | 3,927 |
| Net loans and leases to deposits | 63.3844% | 4,245 |
| Net loans and leases to core deposits | 63.3844% | 4,459 |
| Total domestic deposits to total assets | 91.7075% | 148 |
| Equity capital to assets | 8.1776% | 5,188 |
| Core capital (leverage) ratio | 8.9052% | 4,797 |
| Tier 1 risk-based capital ratio | 21.9717% | 1,054 |
| Total risk-based capital ratio | 22.5951% | 1,123 |
| Memoranda: | ||
| Average total assets | $42,448,500 | 5,246 |
| Average earning assets | $38,913,500 | 5,237 |
| Average equity | $3,641,000 | 5,403 |
| Average total loans | $25,021,500 | 5,105 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0421% | 5,331 |
| Cost of funding earning assets | 0.6642% | 1,222 |
| Net interest margin | 2.3779% | 5,474 |
| Noninterest income to average assets | 0.0634% | 5,502 |
| Noninterest expense to average assets | 3.6758% | 821 |
| Loan and lease loss provision to assets | -0.0493% | 5,394 |
| Net operating income to assets | -1.3614% | 5,621 |
| Return on assets (ROA) | -1.3614% | 5,620 |
| Pretax return on assets | -1.3614% | 5,625 |
| Return on Equity (ROE) | -14.2780% | 5,622 |
| Retained earnings to average equity (ytd only) | -14.2780% | 5,588 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.2798% | 21 |
| Assets per employee ($millions) | 4.5987% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3165% | 5,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 59.3578% | 3,898 |
| Net loans and leases to deposits | 65.5172% | 4,221 |
| Net loans and leases to core deposits | 65.5172% | 4,441 |
| Total domestic deposits to total assets | 90.5987% | 363 |
| Equity capital to assets | 8.9978% | 4,723 |
| Core capital (leverage) ratio | 9.2345% | 4,361 |
| Tier 1 risk-based capital ratio | 24.1015% | 807 |
| Total risk-based capital ratio | 24.5857% | 863 |
| Memoranda: | ||
| Average total assets | $42,602,600 | 5,297 |
| Average earning assets | $39,446,400 | 5,285 |
| Average equity | $4,062,200 | 5,412 |
| Average total loans | $23,919,800 | 5,195 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0724% | 5,362 |
| Cost of funding earning assets | 0.6768% | 1,086 |
| Net interest margin | 2.3956% | 5,529 |
| Noninterest income to average assets | 0.0590% | 5,583 |
| Noninterest expense to average assets | 3.5891% | 885 |
| Loan and lease loss provision to assets | -0.0590% | 5,536 |
| Net operating income to assets | -1.2492% | 5,687 |
| Return on assets (ROA) | -1.2492% | 5,689 |
| Pretax return on assets | -1.2492% | 5,684 |
| Return on Equity (ROE) | -12.9255% | 5,687 |
| Retained earnings to average equity (ytd only) | -12.9255% | 5,639 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.3569% | 22 |
| Assets per employee ($millions) | 4.6944% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3199% | 5,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 58.9941% | 3,964 |
| Net loans and leases to deposits | 65.2829% | 4,297 |
| Net loans and leases to core deposits | 65.2829% | 4,529 |
| Total domestic deposits to total assets | 90.3669% | 361 |
| Equity capital to assets | 9.3751% | 4,570 |
| Core capital (leverage) ratio | 9.4498% | 4,228 |
| Tier 1 risk-based capital ratio | 24.3074% | 817 |
| Total risk-based capital ratio | 24.7892% | 877 |
| Memoranda: | ||
| Average total assets | $42,906,250 | 5,348 |
| Average earning assets | $39,794,750 | 5,337 |
| Average equity | $4,146,750 | 5,461 |
| Average total loans | $23,738,500 | 5,254 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0383% | 5,405 |
| Cost of funding earning assets | 0.6257% | 1,297 |
| Net interest margin | 2.4127% | 5,562 |
| Noninterest income to average assets | 0.0557% | 5,639 |
| Noninterest expense to average assets | 3.5988% | 875 |
| Loan and lease loss provision to assets | -0.0788% | 5,629 |
| Net operating income to assets | -1.2290% | 5,728 |
| Return on assets (ROA) | -1.2290% | 5,728 |
| Pretax return on assets | -1.2290% | 5,727 |
| Return on Equity (ROE) | -12.5931% | 5,731 |
| Retained earnings to average equity (ytd only) | -12.5931% | 5,682 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.0850% | 20 |
| Assets per employee ($millions) | 4.3068% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3357% | 5,648 |
| 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 | 56.5292% | 4,166 |
| Net loans and leases to deposits | 62.6538% | 4,462 |
| Net loans and leases to core deposits | 62.6538% | 4,684 |
| Total domestic deposits to total assets | 90.2248% | 456 |
| Equity capital to assets | 9.5523% | 4,359 |
| Core capital (leverage) ratio | 9.6664% | 3,939 |
| Tier 1 risk-based capital ratio | 25.3817% | 715 |
| Total risk-based capital ratio | 25.8804% | 767 |
| Memoranda: | ||
| Average total assets | $43,125,000 | 5,390 |
| Average earning assets | $39,956,000 | 5,371 |
| Average equity | $4,208,670 | 5,491 |
| Average total loans | $23,316,330 | 5,305 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0563% | 5,406 |
| Cost of funding earning assets | 0.6113% | 1,291 |
| Net interest margin | 2.4451% | 5,586 |
| Noninterest income to average assets | 0.0556% | 5,717 |
| Noninterest expense to average assets | 3.5223% | 1,012 |
| Loan and lease loss provision to assets | -0.0185% | 5,672 |
| Net operating income to assets | -1.1865% | 5,790 |
| Return on assets (ROA) | -1.1865% | 5,791 |
| Pretax return on assets | -1.1865% | 5,784 |
| Return on Equity (ROE) | -12.0301% | 5,789 |
| Retained earnings to average equity (ytd only) | -12.0301% | 5,621 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.0000% | 36 |
| Assets per employee ($millions) | 4.3614% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4250% | 5,665 |
| 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 | 52.1025% | 4,508 |
| Net loans and leases to deposits | 57.7484% | 4,720 |
| Net loans and leases to core deposits | 57.7484% | 4,890 |
| Total domestic deposits to total assets | 90.2233% | 570 |
| Equity capital to assets | 9.6506% | 4,123 |
| Core capital (leverage) ratio | 9.4911% | 4,132 |
| Tier 1 risk-based capital ratio | 24.3594% | 834 |
| Total risk-based capital ratio | 24.9348% | 881 |
| Memoranda: | ||
| Average total assets | $43,153,500 | 5,442 |
| Average earning assets | $39,917,000 | 5,435 |
| Average equity | $4,256,000 | 5,534 |
| Average total loans | $22,760,500 | 5,383 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0486% | 5,463 |
| Cost of funding earning assets | 0.6254% | 1,172 |
| Net interest margin | 2.4233% | 5,633 |
| Noninterest income to average assets | 0.4773% | 3,364 |
| Noninterest expense to average assets | 3.5109% | 1,147 |
| Loan and lease loss provision to assets | -0.0186% | 5,520 |
| Net operating income to assets | -0.7776% | 5,817 |
| Return on assets (ROA) | -0.7776% | 5,822 |
| Pretax return on assets | -0.7776% | 5,812 |
| Return on Equity (ROE) | -7.3271% | 5,815 |
| Retained earnings to average equity (ytd only) | -7.3271% | 5,740 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.3310% | 60 |
| Assets per employee ($millions) | 4.2693% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4361% | 5,711 |
| 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 | 52.9384% | 4,537 |
| Net loans and leases to deposits | 59.0428% | 4,734 |
| Net loans and leases to core deposits | 59.0428% | 4,902 |
| Total domestic deposits to total assets | 89.6611% | 787 |
| Equity capital to assets | 10.0789% | 3,634 |
| Core capital (leverage) ratio | 10.3378% | 3,060 |
| Tier 1 risk-based capital ratio | 25.5087% | 725 |
| Total risk-based capital ratio | 26.0777% | 773 |
| Memoranda: | ||
| Average total assets | $42,951,400 | 5,489 |
| Average earning assets | $39,657,200 | 5,479 |
| Average equity | $4,558,400 | 5,546 |
| Average total loans | $21,325,800 | 5,473 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1257% | 5,446 |
| Cost of funding earning assets | 0.6319% | 1,129 |
| Net interest margin | 2.4938% | 5,659 |
| Noninterest income to average assets | 0.6168% | 2,581 |
| Noninterest expense to average assets | 3.5273% | 1,101 |
| Loan and lease loss provision to assets | -0.0186% | 5,663 |
| Net operating income to assets | -0.5920% | 5,868 |
| Return on assets (ROA) | -0.5920% | 5,870 |
| Pretax return on assets | -0.5920% | 5,864 |
| Return on Equity (ROE) | -5.5094% | 5,868 |
| Retained earnings to average equity (ytd only) | -5.5094% | 5,747 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.9352% | 82 |
| Assets per employee ($millions) | 4.3288% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4642% | 5,756 |
| 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 | 50.0323% | 4,820 |
| Net loans and leases to deposits | 56.0522% | 4,992 |
| Net loans and leases to core deposits | 56.0522% | 5,147 |
| Total domestic deposits to total assets | 89.2603% | 773 |
| Equity capital to assets | 10.6311% | 3,424 |
| Core capital (leverage) ratio | 10.7073% | 2,782 |
| Tier 1 risk-based capital ratio | 26.6413% | 670 |
| Total risk-based capital ratio | 27.2235% | 699 |
| Memoranda: | ||
| Average total assets | $43,016,000 | 5,544 |
| Average earning assets | $39,670,750 | 5,532 |
| Average equity | $4,622,250 | 5,592 |
| Average total loans | $20,982,250 | 5,539 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3282% | 5,231 |
| Cost of funding earning assets | 0.6445% | 1,077 |
| Net interest margin | 2.6837% | 5,592 |
| Noninterest income to average assets | 0.0652% | 5,872 |
| Noninterest expense to average assets | 3.4758% | 1,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.9272% | 5,975 |
| Return on assets (ROA) | -0.9272% | 5,978 |
| Pretax return on assets | -0.9272% | 5,969 |
| Return on Equity (ROE) | -8.5980% | 5,967 |
| Retained earnings to average equity (ytd only) | -8.5980% | 5,850 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.3803% | 57 |
| Assets per employee ($millions) | 4.3275% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5174% | 5,782 |
| 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 | 47.5378% | 5,031 |
| Net loans and leases to deposits | 53.2953% | 5,174 |
| Net loans and leases to core deposits | 53.2953% | 5,311 |
| Total domestic deposits to total assets | 89.1970% | 814 |
| Equity capital to assets | 10.6205% | 3,508 |
| Core capital (leverage) ratio | 10.7283% | 2,718 |
| Tier 1 risk-based capital ratio | 27.3351% | 627 |
| Total risk-based capital ratio | 27.9685% | 655 |
| Memoranda: | ||
| Average total assets | $42,925,330 | 5,607 |
| Average earning assets | $39,721,670 | 5,593 |
| Average equity | $4,629,000 | 5,654 |
| Average total loans | $20,723,330 | 5,611 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5378% | 4,791 |
| Cost of funding earning assets | 0.6201% | 1,218 |
| Net interest margin | 2.9177% | 5,295 |
| Noninterest income to average assets | 0.0561% | 5,943 |
| Noninterest expense to average assets | 3.6023% | 1,014 |
| Loan and lease loss provision to assets | 0.0374% | 3,158 |
| Net operating income to assets | -0.8982% | 6,018 |
| Return on assets (ROA) | -0.8982% | 6,020 |
| Pretax return on assets | -0.8982% | 6,013 |
| Return on Equity (ROE) | -8.2661% | 6,011 |
| Retained earnings to average equity (ytd only) | -8.2661% | 5,761 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.3993% | 69 |
| Assets per employee ($millions) | 4.2862% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5274% | 5,836 |
| 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 | 48.8405% | 4,903 |
| Net loans and leases to deposits | 54.8844% | 5,046 |
| Net loans and leases to core deposits | 54.8844% | 5,192 |
| Total domestic deposits to total assets | 88.9879% | 1,107 |
| Equity capital to assets | 10.9001% | 3,043 |
| Core capital (leverage) ratio | 10.9214% | 2,474 |
| Tier 1 risk-based capital ratio | 27.0336% | 670 |
| Total risk-based capital ratio | 27.6753% | 693 |
| Memoranda: | ||
| Average total assets | $42,750,500 | 5,661 |
| Average earning assets | $39,346,000 | 5,650 |
| Average equity | $4,645,500 | 5,694 |
| Average total loans | $20,745,500 | 5,655 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6889% | 4,398 |
| Cost of funding earning assets | 0.6354% | 1,150 |
| Net interest margin | 3.0535% | 5,019 |
| Noninterest income to average assets | 0.0593% | 5,984 |
| Noninterest expense to average assets | 3.6201% | 1,091 |
| Loan and lease loss provision to assets | 0.3972% | 345 |
| Net operating income to assets | -1.1390% | 6,108 |
| Return on assets (ROA) | -1.1390% | 6,110 |
| Pretax return on assets | -1.1390% | 6,108 |
| Return on Equity (ROE) | -10.4450% | 6,105 |
| Retained earnings to average equity (ytd only) | -10.4450% | 6,042 |
| Net charge-offs to loans | 0.8341% | 262 |
| Credit loss provision to net charge-offs | 99.4286% | 2,565 |
| Earnings coverage of net charge-offs (x) | -1.8571% | 4,354 |
| Efficiency ratio | 125.7732% | 80 |
| Assets per employee ($millions) | 4.2639% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5233% | 5,904 |
| 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 | 47.7005% | 5,044 |
| Net loans and leases to deposits | 53.6578% | 5,182 |
| Net loans and leases to core deposits | 53.6578% | 5,338 |
| Total domestic deposits to total assets | 88.8975% | 1,171 |
| Equity capital to assets | 10.8328% | 2,995 |
| Core capital (leverage) ratio | 11.1602% | 2,255 |
| Tier 1 risk-based capital ratio | 29.6294% | 523 |
| Total risk-based capital ratio | 30.2936% | 542 |
| Memoranda: | ||
| Average total assets | $43,811,200 | 5,687 |
| Average earning assets | $40,445,600 | 5,664 |
| Average equity | $4,777,400 | 5,707 |
| Average total loans | $20,980,600 | 5,682 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 4,460 |
| Cost of funding earning assets | 0.6467% | 1,111 |
| Net interest margin | 3.0378% | 5,108 |
| Noninterest income to average assets | 0.0605% | 6,066 |
| Noninterest expense to average assets | 3.4826% | 1,318 |
| Loan and lease loss provision to assets | 0.5381% | 185 |
| Net operating income to assets | -1.1488% | 6,202 |
| Return on assets (ROA) | -1.1488% | 6,201 |
| Pretax return on assets | -1.1488% | 6,198 |
| Return on Equity (ROE) | -10.5180% | 6,185 |
| Retained earnings to average equity (ytd only) | -10.5180% | 6,133 |
| Net charge-offs to loans | 1.1051% | 163 |
| Credit loss provision to net charge-offs | 101.7143% | 2,225 |
| Earnings coverage of net charge-offs (x) | -1.1543% | 4,058 |
| Efficiency ratio | 121.2632% | 93 |
| Assets per employee ($millions) | 4.2562% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5376% | 5,982 |
| 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 | 48.2543% | 5,062 |
| Net loans and leases to deposits | 54.4442% | 5,223 |
| Net loans and leases to core deposits | 54.4442% | 5,381 |
| Total domestic deposits to total assets | 88.6307% | 1,219 |
| Equity capital to assets | 11.0709% | 2,938 |
| Core capital (leverage) ratio | 11.4043% | 2,118 |
| Tier 1 risk-based capital ratio | 30.7190% | 487 |
| Total risk-based capital ratio | 31.4160% | 508 |
| Memoranda: | ||
| Average total assets | $44,104,250 | 5,757 |
| Average earning assets | $40,818,500 | 5,731 |
| Average equity | $4,817,000 | 5,772 |
| Average total loans | $21,114,250 | 5,746 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6651% | 4,526 |
| Cost of funding earning assets | 0.6562% | 1,069 |
| Net interest margin | 3.0088% | 5,203 |
| Noninterest income to average assets | 0.0583% | 6,146 |
| Noninterest expense to average assets | 3.5456% | 1,228 |
| Loan and lease loss provision to assets | 0.8203% | 98 |
| Net operating income to assets | -1.5330% | 6,292 |
| Return on assets (ROA) | -1.5330% | 6,290 |
| Pretax return on assets | -1.5330% | 6,286 |
| Return on Equity (ROE) | -14.0973% | 6,276 |
| Retained earnings to average equity (ytd only) | -14.0973% | 6,225 |
| Net charge-offs to loans | 1.6456% | 97 |
| Credit loss provision to net charge-offs | 104.5714% | 1,989 |
| Earnings coverage of net charge-offs (x) | -0.9086% | 3,765 |
| Efficiency ratio | 125.1582% | 90 |
| Assets per employee ($millions) | 4.3229% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5573% | 6,035 |
| 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 | 47.8822% | 5,116 |
| Net loans and leases to deposits | 53.6605% | 5,279 |
| Net loans and leases to core deposits | 53.6605% | 5,443 |
| Total domestic deposits to total assets | 89.2318% | 1,033 |
| Equity capital to assets | 10.5045% | 3,435 |
| Core capital (leverage) ratio | 11.1236% | 2,311 |
| Tier 1 risk-based capital ratio | 29.8372% | 555 |
| Total risk-based capital ratio | 30.5392% | 568 |
| Memoranda: | ||
| Average total assets | $44,618,330 | 5,803 |
| Average earning assets | $41,145,330 | 5,784 |
| Average equity | $4,852,000 | 5,817 |
| Average total loans | $21,269,330 | 5,799 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6240% | 4,613 |
| Cost of funding earning assets | 0.6885% | 901 |
| Net interest margin | 2.9356% | 5,376 |
| Noninterest income to average assets | 0.0617% | 6,199 |
| Noninterest expense to average assets | 3.3119% | 1,694 |
| Loan and lease loss provision to assets | -0.0264% | 6,124 |
| Net operating income to assets | -0.5197% | 6,250 |
| Return on assets (ROA) | -0.5197% | 6,258 |
| Pretax return on assets | -0.5197% | 6,245 |
| Return on Equity (ROE) | -4.6324% | 6,252 |
| Retained earnings to average equity (ytd only) | -4.6324% | 5,909 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7452% | 131 |
| Assets per employee ($millions) | 4.5508% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4913% | 6,174 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 4,483 |
| Noncurrent loans to loans | 0.8188% | 3,201 |
| Net loans and leases to total assets | 46.7324% | 5,139 |
| Net loans and leases to deposits | 52.9966% | 5,266 |
| Net loans and leases to core deposits | 53.4213% | 5,400 |
| Total domestic deposits to total assets | 88.1801% | 1,718 |
| Equity capital to assets | 11.3277% | 2,620 |
| Core capital (leverage) ratio | 11.3541% | 2,116 |
| Tier 1 risk-based capital ratio | 31.1955% | 488 |
| Total risk-based capital ratio | 31.8308% | 510 |
| Memoranda: | ||
| Average total assets | $45,412,500 | 5,836 |
| Average earning assets | $41,832,000 | 5,821 |
| Average equity | $5,094,500 | 5,813 |
| Average total loans | $21,568,500 | 5,836 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 4,578 |
| Cost of funding earning assets | 0.6926% | 1,143 |
| Net interest margin | 3.0780% | 5,257 |
| Noninterest income to average assets | 0.0486% | 6,296 |
| Noninterest expense to average assets | 3.6439% | 1,224 |
| Loan and lease loss provision to assets | 0.0066% | 4,494 |
| Net operating income to assets | -0.7769% | 6,343 |
| Return on assets (ROA) | -0.7769% | 6,341 |
| Pretax return on assets | -0.7769% | 6,332 |
| Return on Equity (ROE) | -7.6376% | 6,335 |
| Retained earnings to average equity (ytd only) | -7.6376% | 6,262 |
| Net charge-offs to loans | 0.1579% | 2,456 |
| Credit loss provision to net charge-offs | 8.3333% | 4,119 |
| Earnings coverage of net charge-offs (x) | -9.6944% | 4,914 |
| Efficiency ratio | 126.8049% | 99 |
| Assets per employee ($millions) | 4.5317% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4962% | 6,261 |
| Loan loss allowance to noncurrent loans | 61.7143% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 4,541 |
| Noncurrent loans to loans | 0.8040% | 3,300 |
| Net loans and leases to total assets | 47.7900% | 5,177 |
| Net loans and leases to deposits | 54.2062% | 5,319 |
| Net loans and leases to core deposits | 54.6425% | 5,467 |
| Total domestic deposits to total assets | 88.1634% | 1,678 |
| Equity capital to assets | 11.1084% | 2,796 |
| Core capital (leverage) ratio | 11.7519% | 1,792 |
| Tier 1 risk-based capital ratio | 31.8473% | 436 |
| Total risk-based capital ratio | 32.4997% | 456 |
| Memoranda: | ||
| Average total assets | $45,309,000 | 5,899 |
| Average earning assets | $41,585,400 | 5,884 |
| Average equity | $4,608,800 | 5,959 |
| Average total loans | $22,800,800 | 5,863 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8026% | 4,536 |
| Cost of funding earning assets | 0.7033% | 1,133 |
| Net interest margin | 3.0992% | 5,261 |
| Noninterest income to average assets | 0.0530% | 6,376 |
| Noninterest expense to average assets | 3.5843% | 1,321 |
| Loan and lease loss provision to assets | -0.0883% | 6,252 |
| Net operating income to assets | -0.6033% | 6,396 |
| Return on assets (ROA) | -0.6033% | 6,396 |
| Pretax return on assets | -0.6033% | 6,385 |
| Return on Equity (ROE) | -6.0706% | 6,385 |
| Retained earnings to average equity (ytd only) | -6.0706% | 6,291 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.9064% | 115 |
| Assets per employee ($millions) | 4.4408% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5025% | 6,337 |
| Loan loss allowance to noncurrent loans | 64.9123% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 4,772 |
| Noncurrent loans to loans | 0.7741% | 3,649 |
| Net loans and leases to total assets | 49.4956% | 5,056 |
| Net loans and leases to deposits | 55.5696% | 5,274 |
| Net loans and leases to core deposits | 56.0200% | 5,445 |
| Total domestic deposits to total assets | 89.0695% | 1,197 |
| Equity capital to assets | 10.6287% | 3,401 |
| Core capital (leverage) ratio | 12.0454% | 1,675 |
| Tier 1 risk-based capital ratio | 32.6840% | 421 |
| Total risk-based capital ratio | 33.3534% | 428 |
| Memoranda: | ||
| Average total assets | $45,307,000 | 5,964 |
| Average earning assets | $41,514,750 | 5,956 |
| Average equity | $4,502,500 | 6,052 |
| Average total loans | $23,059,750 | 5,913 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 4,453 |
| Cost of funding earning assets | 0.7139% | 1,121 |
| Net interest margin | 3.1048% | 5,243 |
| Noninterest income to average assets | 0.0570% | 6,426 |
| Noninterest expense to average assets | 3.6354% | 1,231 |
| Loan and lease loss provision to assets | -0.1140% | 6,395 |
| Net operating income to assets | -0.6227% | 6,465 |
| Return on assets (ROA) | -0.6227% | 6,469 |
| Pretax return on assets | -0.6227% | 6,452 |
| Return on Equity (ROE) | -6.4108% | 6,469 |
| Retained earnings to average equity (ytd only) | -6.4108% | 6,319 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.4160% | 120 |
| Assets per employee ($millions) | 4.5318% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4994% | 6,410 |
| Loan loss allowance to noncurrent loans | 67.2515% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 4,889 |
| Noncurrent loans to loans | 0.7426% | 3,845 |
| Net loans and leases to total assets | 50.5605% | 4,903 |
| Net loans and leases to deposits | 56.4693% | 5,156 |
| Net loans and leases to core deposits | 56.9168% | 5,352 |
| Total domestic deposits to total assets | 89.5362% | 1,062 |
| Equity capital to assets | 10.1748% | 3,865 |
| Core capital (leverage) ratio | 12.0306% | 1,634 |
| Tier 1 risk-based capital ratio | 32.4667% | 425 |
| Total risk-based capital ratio | 33.1478% | 438 |
| Memoranda: | ||
| Average total assets | $45,606,670 | 6,013 |
| Average earning assets | $41,742,330 | 6,010 |
| Average equity | $4,430,000 | 6,112 |
| Average total loans | $23,382,670 | 5,954 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 4,196 |
| Cost of funding earning assets | 0.7692% | 886 |
| Net interest margin | 3.1058% | 5,229 |
| Noninterest income to average assets | 0.0612% | 6,457 |
| Noninterest expense to average assets | 3.5759% | 1,354 |
| Loan and lease loss provision to assets | -0.1749% | 6,550 |
| Net operating income to assets | -0.5158% | 6,477 |
| Return on assets (ROA) | -0.5158% | 6,475 |
| Pretax return on assets | -0.5158% | 6,459 |
| Return on Equity (ROE) | -5.4384% | 6,478 |
| Retained earnings to average equity (ytd only) | -5.4384% | 6,149 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.9394% | 152 |
| Assets per employee ($millions) | 4.5733% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5216% | 6,483 |
| Loan loss allowance to noncurrent loans | 70.7602% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 5,033 |
| Noncurrent loans to loans | 0.7371% | 4,019 |
| Net loans and leases to total assets | 50.4647% | 4,855 |
| Net loans and leases to deposits | 56.1670% | 5,103 |
| Net loans and leases to core deposits | 57.3235% | 5,256 |
| Total domestic deposits to total assets | 89.8476% | 1,155 |
| Equity capital to assets | 9.7042% | 4,221 |
| Core capital (leverage) ratio | 12.1467% | 1,577 |
| Tier 1 risk-based capital ratio | 31.7275% | 455 |
| Total risk-based capital ratio | 32.4173% | 476 |
| Memoranda: | ||
| Average total assets | $45,751,000 | 6,076 |
| Average earning assets | $41,600,000 | 6,067 |
| Average equity | $4,339,500 | 6,173 |
| Average total loans | $23,560,000 | 6,001 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8160% | 4,757 |
| Cost of funding earning assets | 0.7302% | 1,621 |
| Net interest margin | 3.0858% | 5,356 |
| Noninterest income to average assets | 0.0474% | 6,554 |
| Noninterest expense to average assets | 3.2957% | 2,161 |
| Loan and lease loss provision to assets | -0.6100% | 6,763 |
| Net operating income to assets | 0.1660% | 5,904 |
| Return on assets (ROA) | 0.1660% | 5,972 |
| Pretax return on assets | 0.1854% | 5,971 |
| Return on Equity (ROE) | 1.5252% | 5,982 |
| Retained earnings to average equity (ytd only) | 1.5252% | 5,134 |
| Net charge-offs to loans | 0.8086% | 771 |
| Credit loss provision to net charge-offs | -138.7255% | 5,932 |
| Earnings coverage of net charge-offs (x) | -0.9657% | 5,259 |
| Efficiency ratio | 114.7898% | 217 |
| Assets per employee ($millions) | 4.5769% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5895% | 6,487 |
| Loan loss allowance to noncurrent loans | 69.8020% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.1842% | 3,032 |
| Noncurrent loans to loans | 0.8445% | 3,870 |
| Net loans and leases to total assets | 51.9544% | 4,855 |
| Net loans and leases to deposits | 57.5400% | 5,162 |
| Net loans and leases to core deposits | 59.5681% | 5,248 |
| Total domestic deposits to total assets | 90.2926% | 920 |
| Equity capital to assets | 9.2661% | 4,725 |
| Core capital (leverage) ratio | 12.2557% | 1,467 |
| Tier 1 risk-based capital ratio | 31.3983% | 450 |
| Total risk-based capital ratio | 32.1853% | 458 |
| Memoranda: | ||
| Average total assets | $46,394,000 | 6,106 |
| Average earning assets | $42,452,800 | 6,093 |
| Average equity | $5,048,600 | 6,051 |
| Average total loans | $25,229,600 | 5,972 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8414% | 4,692 |
| Cost of funding earning assets | 0.7295% | 1,743 |
| Net interest margin | 3.1119% | 5,288 |
| Noninterest income to average assets | 0.0430% | 6,654 |
| Noninterest expense to average assets | 3.1793% | 2,421 |
| Loan and lease loss provision to assets | -0.9051% | 6,869 |
| Net operating income to assets | 0.6158% | 4,279 |
| Return on assets (ROA) | 0.6158% | 4,405 |
| Pretax return on assets | 0.6158% | 4,964 |
| Return on Equity (ROE) | 5.4597% | 4,484 |
| Retained earnings to average equity (ytd only) | 5.4597% | 2,748 |
| Net charge-offs to loans | 0.8556% | 686 |
| Credit loss provision to net charge-offs | -192.6829% | 5,894 |
| Earnings coverage of net charge-offs (x) | -0.6158% | 4,965 |
| Efficiency ratio | 110.0099% | 268 |
| Assets per employee ($millions) | 4.6080% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6036% | 6,555 |
| Loan loss allowance to noncurrent loans | 66.0714% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.2565% | 3,124 |
| Noncurrent loans to loans | 0.9135% | 3,987 |
| Net loans and leases to total assets | 52.8906% | 4,766 |
| Net loans and leases to deposits | 59.2445% | 5,066 |
| Net loans and leases to core deposits | 61.3441% | 5,179 |
| Total domestic deposits to total assets | 89.2752% | 1,422 |
| Equity capital to assets | 10.4123% | 3,377 |
| Core capital (leverage) ratio | 12.5014% | 1,426 |
| Tier 1 risk-based capital ratio | 31.7451% | 446 |
| Total risk-based capital ratio | 32.5603% | 454 |
| Memoranda: | ||
| Average total assets | $46,550,250 | 6,175 |
| Average earning assets | $42,588,000 | 6,160 |
| Average equity | $5,250,500 | 6,075 |
| Average total loans | $25,557,000 | 6,009 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 4,659 |
| Cost of funding earning assets | 0.7463% | 1,732 |
| Net interest margin | 3.1017% | 5,273 |
| Noninterest income to average assets | 0.0343% | 6,714 |
| Noninterest expense to average assets | 3.0574% | 2,804 |
| Loan and lease loss provision to assets | -1.1861% | 6,921 |
| Net operating income to assets | 1.0106% | 2,288 |
| Return on assets (ROA) | 1.0106% | 2,415 |
| Pretax return on assets | 1.0106% | 3,463 |
| Return on Equity (ROE) | 8.7386% | 2,741 |
| Retained earnings to average equity (ytd only) | 8.7386% | 1,209 |
| Net charge-offs to loans | 1.2586% | 453 |
| Credit loss provision to net charge-offs | -169.9387% | 5,703 |
| Earnings coverage of net charge-offs (x) | -0.2515% | 4,629 |
| Efficiency ratio | 106.0921% | 349 |
| Assets per employee ($millions) | 4.6118% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7418% | 6,444 |
| Loan loss allowance to noncurrent loans | 33.4520% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 3,316 |
| Noncurrent loans to loans | 2.2175% | 2,153 |
| Net loans and leases to total assets | 54.5470% | 4,515 |
| Net loans and leases to deposits | 61.4250% | 4,810 |
| Net loans and leases to core deposits | 63.6088% | 4,939 |
| Total domestic deposits to total assets | 88.8026% | 1,731 |
| Equity capital to assets | 11.0521% | 2,703 |
| Core capital (leverage) ratio | 12.4615% | 1,376 |
| Tier 1 risk-based capital ratio | 31.9009% | 443 |
| Total risk-based capital ratio | 32.9380% | 443 |
| Memoranda: | ||
| Average total assets | $46,707,000 | 6,219 |
| Average earning assets | $42,879,670 | 6,194 |
| Average equity | $5,401,330 | 6,079 |
| Average total loans | $25,902,670 | 6,029 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 4,294 |
| Cost of funding earning assets | 0.7403% | 1,922 |
| Net interest margin | 3.2112% | 4,891 |
| Noninterest income to average assets | 0.0340% | 6,782 |
| Noninterest expense to average assets | 2.9276% | 3,243 |
| Loan and lease loss provision to assets | 0.0255% | 4,149 |
| Net operating income to assets | 0.0340% | 6,290 |
| Return on assets (ROA) | 0.0340% | 6,372 |
| Pretax return on assets | 0.0340% | 6,367 |
| Return on Equity (ROE) | 0.2881% | 6,378 |
| Retained earnings to average equity (ytd only) | 0.2881% | 5,697 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0057% | 634 |
| Assets per employee ($millions) | 4.7402% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4178% | 1,223 |
| Loan loss allowance to noncurrent loans | 76.9512% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.7299% | 2,695 |
| Noncurrent loans to loans | 3.1420% | 1,578 |
| Net loans and leases to total assets | 53.7256% | 4,459 |
| Net loans and leases to deposits | 60.9025% | 4,693 |
| Net loans and leases to core deposits | 63.4154% | 4,798 |
| Total domestic deposits to total assets | 88.2157% | 2,185 |
| Equity capital to assets | 11.6577% | 2,286 |
| Core capital (leverage) ratio | 11.8426% | 1,660 |
| Tier 1 risk-based capital ratio | 35.6909% | 328 |
| Total risk-based capital ratio | 36.9254% | 320 |
| Memoranda: | ||
| Average total assets | $47,001,500 | 6,270 |
| Average earning assets | $43,224,000 | 6,239 |
| Average equity | $5,553,500 | 6,085 |
| Average total loans | $26,182,000 | 6,063 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 5,057 |
| Cost of funding earning assets | 0.8189% | 2,519 |
| Net interest margin | 3.2505% | 5,429 |
| Noninterest income to average assets | -0.1113% | 6,924 |
| Noninterest expense to average assets | 3.2228% | 2,541 |
| Loan and lease loss provision to assets | 0.9868% | 429 |
| Net operating income to assets | -1.5516% | 6,871 |
| Return on assets (ROA) | -1.5516% | 6,883 |
| Pretax return on assets | -1.3458% | 6,814 |
| Return on Equity (ROE) | -12.2692% | 6,773 |
| Retained earnings to average equity (ytd only) | -12.2692% | 6,708 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5367% | 298 |
| Assets per employee ($millions) | 4.6601% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3909% | 1,248 |
| Loan loss allowance to noncurrent loans | 135.0538% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.9978% | 4,039 |
| Noncurrent loans to loans | 1.7703% | 2,963 |
| Net loans and leases to total assets | 55.0160% | 4,449 |
| Net loans and leases to deposits | 63.4164% | 4,613 |
| Net loans and leases to core deposits | 65.2549% | 4,813 |
| Total domestic deposits to total assets | 86.7535% | 2,960 |
| Equity capital to assets | 11.9761% | 2,058 |
| Core capital (leverage) ratio | 11.7652% | 1,694 |
| Tier 1 risk-based capital ratio | 37.1278% | 290 |
| Total risk-based capital ratio | 38.4126% | 283 |
| Memoranda: | ||
| Average total assets | $47,628,800 | 6,274 |
| Average earning assets | $43,593,400 | 6,247 |
| Average equity | $6,023,200 | 6,017 |
| Average total loans | $27,269,400 | 6,067 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1563% | 4,961 |
| Cost of funding earning assets | 0.8245% | 2,741 |
| Net interest margin | 3.3318% | 5,274 |
| Noninterest income to average assets | -0.1587% | 7,058 |
| Noninterest expense to average assets | 3.2020% | 2,560 |
| Loan and lease loss provision to assets | 0.7518% | 658 |
| Net operating income to assets | -1.0747% | 6,880 |
| Return on assets (ROA) | -1.0747% | 6,903 |
| Pretax return on assets | -1.0747% | 6,883 |
| Return on Equity (ROE) | -8.3905% | 6,826 |
| Retained earnings to average equity (ytd only) | -8.3905% | 6,765 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.2186% | 286 |
| Assets per employee ($millions) | 4.7419% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 3,486 |
| Loan loss allowance to noncurrent loans | 98.3908% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.0333% | 4,230 |
| Noncurrent loans to loans | 1.6345% | 3,346 |
| Net loans and leases to total assets | 55.2226% | 4,566 |
| Net loans and leases to deposits | 63.4044% | 4,788 |
| Net loans and leases to core deposits | 65.1393% | 5,041 |
| Total domestic deposits to total assets | 87.0959% | 2,609 |
| Equity capital to assets | 12.4887% | 1,898 |
| Core capital (leverage) ratio | 12.3695% | 1,460 |
| Tier 1 risk-based capital ratio | 38.2001% | 280 |
| Total risk-based capital ratio | 39.4626% | 274 |
| Memoranda: | ||
| Average total assets | $47,885,750 | 6,340 |
| Average earning assets | $43,659,500 | 6,320 |
| Average equity | $6,133,750 | 6,058 |
| Average total loans | $27,520,250 | 6,132 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 4,744 |
| Cost of funding earning assets | 0.8177% | 3,055 |
| Net interest margin | 3.4362% | 4,943 |
| Noninterest income to average assets | -0.1166% | 7,105 |
| Noninterest expense to average assets | 3.1681% | 2,700 |
| Loan and lease loss provision to assets | 1.0657% | 409 |
| Net operating income to assets | -1.2364% | 6,965 |
| Return on assets (ROA) | -1.2364% | 6,979 |
| Pretax return on assets | -1.2364% | 6,951 |
| Return on Equity (ROE) | -9.5740% | 6,900 |
| Retained earnings to average equity (ytd only) | -9.5740% | 6,826 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6944% | 402 |
| Assets per employee ($millions) | 4.7817% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 3,868 |
| Loan loss allowance to noncurrent loans | 95.1724% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.0917% | 4,195 |
| Noncurrent loans to loans | 1.6083% | 3,494 |
| Net loans and leases to total assets | 55.6978% | 4,513 |
| Net loans and leases to deposits | 64.0771% | 4,757 |
| Net loans and leases to core deposits | 65.7832% | 5,030 |
| Total domestic deposits to total assets | 86.9231% | 2,817 |
| Equity capital to assets | 12.6461% | 1,727 |
| Core capital (leverage) ratio | 12.4831% | 1,361 |
| Tier 1 risk-based capital ratio | 37.3915% | 292 |
| Total risk-based capital ratio | 38.6589% | 283 |
| Memoranda: | ||
| Average total assets | $48,041,330 | 6,381 |
| Average earning assets | $43,536,330 | 6,360 |
| Average equity | $6,204,330 | 6,061 |
| Average total loans | $27,822,330 | 6,159 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 4,886 |
| Cost of funding earning assets | 0.8466% | 3,091 |
| Net interest margin | 3.4140% | 5,062 |
| Noninterest income to average assets | 0.0415% | 6,968 |
| Noninterest expense to average assets | 2.9904% | 3,285 |
| Loan and lease loss provision to assets | -0.1329% | 7,195 |
| Net operating income to assets | 0.2658% | 5,764 |
| Return on assets (ROA) | 0.2658% | 5,924 |
| Pretax return on assets | 0.2658% | 6,046 |
| Return on Equity (ROE) | 2.0372% | 6,065 |
| Retained earnings to average equity (ytd only) | 2.0372% | 5,252 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7447% | 733 |
| Assets per employee ($millions) | 4.7766% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5079% | 7,061 |
| Loan loss allowance to noncurrent loans | 38.1720% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 4,410 |
| Noncurrent loans to loans | 1.3306% | 4,120 |
| Net loans and leases to total assets | 58.2339% | 3,996 |
| Net loans and leases to deposits | 67.1349% | 4,208 |
| Net loans and leases to core deposits | 69.5052% | 4,499 |
| Total domestic deposits to total assets | 86.7416% | 3,096 |
| Equity capital to assets | 13.0574% | 1,416 |
| Core capital (leverage) ratio | 13.1250% | 1,079 |
| Tier 1 risk-based capital ratio | 37.9756% | 270 |
| Total risk-based capital ratio | 38.8291% | 270 |
| Memoranda: | ||
| Average total assets | $48,153,500 | 6,426 |
| Average earning assets | $43,468,500 | 6,410 |
| Average equity | $6,283,000 | 6,077 |
| Average total loans | $28,210,000 | 6,192 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 5,019 |
| Cost of funding earning assets | 1.0459% | 3,057 |
| Net interest margin | 3.4678% | 5,264 |
| Noninterest income to average assets | -0.1027% | 7,101 |
| Noninterest expense to average assets | 3.0999% | 3,195 |
| Loan and lease loss provision to assets | 0.2075% | 4,112 |
| Net operating income to assets | -0.2201% | 6,278 |
| Return on assets (ROA) | -0.2424% | 6,356 |
| Pretax return on assets | -0.3574% | 6,388 |
| Return on Equity (ROE) | -1.9210% | 6,328 |
| Retained earnings to average equity (ytd only) | -1.9210% | 6,144 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9256% | 568 |
| Assets per employee ($millions) | 4.8541% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5551% | 7,060 |
| Loan loss allowance to noncurrent loans | 27.7193% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 1.4318% | 3,840 |
| Noncurrent loans to loans | 2.0027% | 3,200 |
| Net loans and leases to total assets | 58.3095% | 4,315 |
| Net loans and leases to deposits | 67.3071% | 4,537 |
| Net loans and leases to core deposits | 69.6474% | 4,829 |
| Total domestic deposits to total assets | 86.6319% | 2,956 |
| Equity capital to assets | 13.0385% | 1,464 |
| Core capital (leverage) ratio | 12.6752% | 1,277 |
| Tier 1 risk-based capital ratio | 37.3455% | 284 |
| Total risk-based capital ratio | 38.2842% | 283 |
| Memoranda: | ||
| Average total assets | $48,679,000 | 6,403 |
| Average earning assets | $43,313,200 | 6,409 |
| Average equity | $6,142,600 | 6,117 |
| Average total loans | $29,176,800 | 6,196 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 4,819 |
| Cost of funding earning assets | 1.1038% | 2,955 |
| Net interest margin | 3.5088% | 5,152 |
| Noninterest income to average assets | 0.0465% | 6,966 |
| Noninterest expense to average assets | 3.0791% | 3,235 |
| Loan and lease loss provision to assets | 1.0866% | 762 |
| Net operating income to assets | -1.0045% | 6,886 |
| Return on assets (ROA) | -1.0483% | 6,929 |
| Pretax return on assets | -1.0483% | 6,889 |
| Return on Equity (ROE) | -8.3768% | 6,832 |
| Retained earnings to average equity (ytd only) | -8.3768% | 6,784 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4026% | 757 |
| Assets per employee ($millions) | 5.0490% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 3,792 |
| Loan loss allowance to noncurrent loans | 121.7158% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 1.1250% | 4,528 |
| Noncurrent loans to loans | 1.2918% | 4,375 |
| Net loans and leases to total assets | 56.2904% | 4,797 |
| Net loans and leases to deposits | 64.3053% | 5,127 |
| Net loans and leases to core deposits | 68.8777% | 5,075 |
| Total domestic deposits to total assets | 87.5361% | 2,335 |
| Equity capital to assets | 12.0578% | 2,208 |
| Core capital (leverage) ratio | 12.1327% | 1,633 |
| Tier 1 risk-based capital ratio | 35.0204% | 355 |
| Total risk-based capital ratio | 36.2827% | 343 |
| Memoranda: | ||
| Average total assets | $48,713,500 | 6,461 |
| Average earning assets | $43,242,500 | 6,471 |
| Average equity | $6,096,000 | 6,176 |
| Average total loans | $29,355,500 | 6,250 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 5,035 |
| Cost of funding earning assets | 1.1414% | 2,961 |
| Net interest margin | 3.4429% | 5,394 |
| Noninterest income to average assets | 0.0499% | 7,046 |
| Noninterest expense to average assets | 3.0174% | 3,570 |
| Loan and lease loss provision to assets | 1.7040% | 396 |
| Net operating income to assets | -1.5877% | 7,120 |
| Return on assets (ROA) | -1.6375% | 7,143 |
| Pretax return on assets | -1.6375% | 7,105 |
| Return on Equity (ROE) | -12.9208% | 7,014 |
| Retained earnings to average equity (ytd only) | -12.9208% | 6,975 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2865% | 866 |
| Assets per employee ($millions) | 4.8867% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 3,689 |
| Loan loss allowance to noncurrent loans | 125.2011% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1623% | 4,569 |
| Noncurrent loans to loans | 1.2789% | 4,528 |
| Net loans and leases to total assets | 58.7288% | 4,509 |
| Net loans and leases to deposits | 67.4081% | 4,798 |
| Net loans and leases to core deposits | 71.7314% | 4,848 |
| Total domestic deposits to total assets | 87.1242% | 2,667 |
| Equity capital to assets | 12.2189% | 1,953 |
| Core capital (leverage) ratio | 12.4171% | 1,403 |
| Tier 1 risk-based capital ratio | 34.7803% | 356 |
| Total risk-based capital ratio | 36.0479% | 348 |
| Memoranda: | ||
| Average total assets | $48,121,330 | 6,536 |
| Average earning assets | $43,103,330 | 6,540 |
| Average equity | $6,098,670 | 6,208 |
| Average total loans | $29,515,670 | 6,308 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 4,591 |
| Cost of funding earning assets | 1.1873% | 2,901 |
| Net interest margin | 3.4969% | 5,029 |
| Noninterest income to average assets | 0.0670% | 7,055 |
| Noninterest expense to average assets | 2.9739% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2513% | 5,612 |
| Return on assets (ROA) | 0.2513% | 5,677 |
| Pretax return on assets | 0.2513% | 5,804 |
| Return on Equity (ROE) | 1.9473% | 5,806 |
| Retained earnings to average equity (ytd only) | 1.9473% | 4,958 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2078% | 1,149 |
| Assets per employee ($millions) | 4.7919% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1927% | 7,449 |
| Loan loss allowance to noncurrent loans | 12.9841% | 6,961 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 4,320 |
| Noncurrent loans to loans | 1.4840% | 4,247 |
| Net loans and leases to total assets | 61.6165% | 3,944 |
| Net loans and leases to deposits | 71.0939% | 4,187 |
| Net loans and leases to core deposits | 75.7543% | 4,331 |
| Total domestic deposits to total assets | 86.6692% | 3,137 |
| Equity capital to assets | 12.9656% | 1,396 |
| Core capital (leverage) ratio | 13.4518% | 983 |
| Tier 1 risk-based capital ratio | 37.0059% | 302 |
| Total risk-based capital ratio | 37.3343% | 318 |
| Memoranda: | ||
| Average total assets | $47,748,500 | 6,592 |
| Average earning assets | $43,124,000 | 6,583 |
| Average equity | $6,162,500 | 6,192 |
| Average total loans | $29,690,500 | 6,349 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 4,805 |
| Cost of funding earning assets | 1.5041% | 2,616 |
| Net interest margin | 3.4411% | 5,470 |
| Noninterest income to average assets | 0.0410% | 7,153 |
| Noninterest expense to average assets | 3.2709% | 2,830 |
| Loan and lease loss provision to assets | 0.0086% | 6,991 |
| Net operating income to assets | -0.1144% | 6,011 |
| Return on assets (ROA) | -0.1144% | 6,065 |
| Pretax return on assets | -0.1317% | 6,023 |
| Return on Equity (ROE) | -0.8258% | 6,050 |
| Retained earnings to average equity (ytd only) | -0.8258% | 5,774 |
| Net charge-offs to loans | 0.3832% | 4,122 |
| Credit loss provision to net charge-offs | 3.3333% | 6,625 |
| Earnings coverage of net charge-offs (x) | -0.4750% | 6,439 |
| Efficiency ratio | 103.9095% | 677 |
| Assets per employee ($millions) | 4.7578% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1913% | 7,531 |
| Loan loss allowance to noncurrent loans | 12.9252% | 7,043 |
| Noncurrent assets plus other real estate owned to assets | 1.3368% | 4,350 |
| Noncurrent loans to loans | 1.4800% | 4,263 |
| Net loans and leases to total assets | 62.5100% | 4,168 |
| Net loans and leases to deposits | 72.0418% | 4,509 |
| Net loans and leases to core deposits | 76.2903% | 4,663 |
| Total domestic deposits to total assets | 86.7691% | 2,942 |
| Equity capital to assets | 12.8463% | 1,466 |
| Core capital (leverage) ratio | 13.2698% | 1,038 |
| Tier 1 risk-based capital ratio | 36.2846% | 313 |
| Total risk-based capital ratio | 36.6084% | 330 |
| Memoranda: | ||
| Average total assets | $46,317,000 | 6,658 |
| Average earning assets | $41,817,800 | 6,644 |
| Average equity | $6,417,800 | 6,228 |
| Average total loans | $31,314,600 | 6,346 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0422% | 4,618 |
| Cost of funding earning assets | 1.5319% | 2,760 |
| Net interest margin | 3.5103% | 5,252 |
| Noninterest income to average assets | 0.0493% | 7,272 |
| Noninterest expense to average assets | 3.1882% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0290% | 5,935 |
| Return on assets (ROA) | 0.0290% | 6,064 |
| Pretax return on assets | 0.0290% | 6,046 |
| Return on Equity (ROE) | 0.2053% | 6,069 |
| Retained earnings to average equity (ytd only) | 0.2053% | 5,695 |
| Net charge-offs to loans | 0.5048% | 3,266 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.0833% | 5,949 |
| Efficiency ratio | 99.0991% | 772 |
| Assets per employee ($millions) | 4.7280% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1713% | 7,648 |
| Loan loss allowance to noncurrent loans | 12.0181% | 7,145 |
| Noncurrent assets plus other real estate owned to assets | 1.3452% | 4,478 |
| Noncurrent loans to loans | 1.4253% | 4,475 |
| Net loans and leases to total assets | 65.3299% | 3,839 |
| Net loans and leases to deposits | 76.1689% | 4,154 |
| Net loans and leases to core deposits | 81.4922% | 4,318 |
| Total domestic deposits to total assets | 85.7699% | 3,208 |
| Equity capital to assets | 13.7606% | 1,253 |
| Core capital (leverage) ratio | 13.6957% | 995 |
| Tier 1 risk-based capital ratio | 35.7151% | 329 |
| Total risk-based capital ratio | 36.0084% | 348 |
| Memoranda: | ||
| Average total assets | $46,001,750 | 6,740 |
| Average earning assets | $41,515,000 | 6,740 |
| Average equity | $6,494,250 | 6,278 |
| Average total loans | $31,693,750 | 6,410 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 4,456 |
| Cost of funding earning assets | 1.5765% | 2,793 |
| Net interest margin | 3.5228% | 5,145 |
| Noninterest income to average assets | 0.0483% | 7,339 |
| Noninterest expense to average assets | 3.1684% | 3,024 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0570% | 5,976 |
| Return on assets (ROA) | 0.0570% | 6,076 |
| Pretax return on assets | 0.0570% | 6,062 |
| Return on Equity (ROE) | 0.4006% | 6,111 |
| Retained earnings to average equity (ytd only) | 0.4006% | 5,606 |
| Net charge-offs to loans | 0.7513% | 2,359 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.1083% | 5,615 |
| Efficiency ratio | 98.2313% | 871 |
| Assets per employee ($millions) | 4.6654% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1699% | 7,719 |
| Loan loss allowance to noncurrent loans | 12.9902% | 7,194 |
| Noncurrent assets plus other real estate owned to assets | 1.2925% | 4,564 |
| Noncurrent loans to loans | 1.3078% | 4,766 |
| Net loans and leases to total assets | 66.7574% | 3,677 |
| Net loans and leases to deposits | 77.9756% | 3,967 |
| Net loans and leases to core deposits | 83.5099% | 4,212 |
| Total domestic deposits to total assets | 85.6132% | 3,309 |
| Equity capital to assets | 13.9645% | 1,168 |
| Core capital (leverage) ratio | 13.7518% | 986 |
| Tier 1 risk-based capital ratio | 35.3402% | 341 |
| Total risk-based capital ratio | 35.6302% | 361 |
| Memoranda: | ||
| Average total assets | $45,575,670 | 6,803 |
| Average earning assets | $41,104,000 | 6,809 |
| Average equity | $6,490,330 | 6,302 |
| Average total loans | $31,944,670 | 6,439 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2694% | 3,690 |
| Cost of funding earning assets | 1.6282% | 2,783 |
| Net interest margin | 3.6412% | 4,534 |
| Noninterest income to average assets | 0.0266% | 7,574 |
| Noninterest expense to average assets | 3.2063% | 2,834 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0977% | 6,027 |
| Return on assets (ROA) | 0.0977% | 6,132 |
| Pretax return on assets | 0.0977% | 6,144 |
| Return on Equity (ROE) | 0.6792% | 6,215 |
| Retained earnings to average equity (ytd only) | 0.6792% | 5,551 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0430% | 965 |
| Assets per employee ($millions) | 4.6558% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5427% | 7,557 |
| Loan loss allowance to noncurrent loans | 26.7388% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 1.3897% | 4,424 |
| Noncurrent loans to loans | 2.0297% | 3,744 |
| Net loans and leases to total assets | 68.0957% | 3,363 |
| Net loans and leases to deposits | 79.8791% | 3,676 |
| Net loans and leases to core deposits | 85.5524% | 3,965 |
| Total domestic deposits to total assets | 85.2485% | 3,534 |
| Equity capital to assets | 13.9332% | 1,165 |
| Core capital (leverage) ratio | 14.1127% | 933 |
| Tier 1 risk-based capital ratio | 34.4482% | 372 |
| Total risk-based capital ratio | 35.3909% | 376 |
| Memoranda: | ||
| Average total assets | $45,036,500 | 6,911 |
| Average earning assets | $40,536,000 | 6,911 |
| Average equity | $6,478,000 | 6,352 |
| Average total loans | $32,318,000 | 6,495 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3686% | 4,841 |
| Cost of funding earning assets | 2.0687% | 2,638 |
| Net interest margin | 3.2999% | 5,750 |
| Noninterest income to average assets | 0.3211% | 5,792 |
| Noninterest expense to average assets | 3.3989% | 2,683 |
| Loan and lease loss provision to assets | 0.2836% | 5,154 |
| Net operating income to assets | -0.2813% | 5,949 |
| Return on assets (ROA) | -0.2813% | 5,947 |
| Pretax return on assets | -0.4149% | 5,933 |
| Return on Equity (ROE) | -1.8393% | 5,831 |
| Retained earnings to average equity (ytd only) | -1.8393% | 5,475 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0172% | 956 |
| Assets per employee ($millions) | 4.3515% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5281% | 7,647 |
| Loan loss allowance to noncurrent loans | 32.8273% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 1.2111% | 4,674 |
| Noncurrent loans to loans | 1.6087% | 4,244 |
| Net loans and leases to total assets | 74.8845% | 2,057 |
| Net loans and leases to deposits | 88.2755% | 2,516 |
| Net loans and leases to core deposits | 114.6305% | 2,449 |
| Total domestic deposits to total assets | 84.8305% | 3,628 |
| Equity capital to assets | 14.8661% | 938 |
| Core capital (leverage) ratio | 14.8823% | 809 |
| Tier 1 risk-based capital ratio | 33.7004% | 385 |
| Total risk-based capital ratio | 34.6294% | 386 |
| Memoranda: | ||
| Average total assets | $42,661,000 | 7,004 |
| Average earning assets | $38,092,000 | 7,010 |
| Average equity | $6,524,200 | 6,415 |
| Average total loans | $34,039,200 | 6,394 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4794% | 4,522 |
| Cost of funding earning assets | 2.0882% | 2,940 |
| Net interest margin | 3.3912% | 5,305 |
| Noninterest income to average assets | 0.0346% | 7,712 |
| Noninterest expense to average assets | 3.2667% | 3,048 |
| Loan and lease loss provision to assets | 0.3141% | 4,460 |
| Net operating income to assets | -0.5120% | 6,436 |
| Return on assets (ROA) | -0.5120% | 6,437 |
| Pretax return on assets | -0.5214% | 6,322 |
| Return on Equity (ROE) | -3.3241% | 6,281 |
| Retained earnings to average equity (ytd only) | -3.3241% | 5,993 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7762% | 841 |
| Assets per employee ($millions) | 4.3226% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4586% | 7,758 |
| Loan loss allowance to noncurrent loans | 49.8361% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 5,468 |
| Noncurrent loans to loans | 0.9203% | 5,448 |
| Net loans and leases to total assets | 76.3221% | 1,929 |
| Net loans and leases to deposits | 90.2824% | 2,522 |
| Net loans and leases to core deposits | 115.3895% | 2,680 |
| Total domestic deposits to total assets | 84.5371% | 3,458 |
| Equity capital to assets | 14.9054% | 1,030 |
| Core capital (leverage) ratio | 14.7499% | 906 |
| Tier 1 risk-based capital ratio | 33.1936% | 434 |
| Total risk-based capital ratio | 34.0216% | 437 |
| Memoranda: | ||
| Average total assets | $42,447,500 | 7,057 |
| Average earning assets | $37,862,250 | 7,077 |
| Average equity | $6,538,000 | 6,473 |
| Average total loans | $34,359,250 | 6,433 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5328% | 4,427 |
| Cost of funding earning assets | 2.1313% | 3,126 |
| Net interest margin | 3.4015% | 5,161 |
| Noninterest income to average assets | 0.0332% | 7,825 |
| Noninterest expense to average assets | 3.1810% | 3,389 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0996% | 6,007 |
| Return on assets (ROA) | -0.0996% | 6,057 |
| Pretax return on assets | -0.1138% | 6,007 |
| Return on Equity (ROE) | -0.6393% | 6,019 |
| Retained earnings to average equity (ytd only) | -0.6393% | 5,385 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7094% | 1,043 |
| Assets per employee ($millions) | 4.3372% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1510% | 8,084 |
| Loan loss allowance to noncurrent loans | 16.9935% | 7,282 |
| Noncurrent assets plus other real estate owned to assets | 0.8139% | 5,357 |
| Noncurrent loans to loans | 0.8888% | 5,438 |
| Net loans and leases to total assets | 79.2631% | 1,467 |
| Net loans and leases to deposits | 93.8418% | 2,112 |
| Net loans and leases to core deposits | 119.3515% | 2,422 |
| Total domestic deposits to total assets | 84.4646% | 3,518 |
| Equity capital to assets | 15.1204% | 1,008 |
| Core capital (leverage) ratio | 15.2639% | 866 |
| Tier 1 risk-based capital ratio | 33.2034% | 464 |
| Total risk-based capital ratio | 33.4667% | 480 |
| Memoranda: | ||
| Average total assets | $42,188,000 | 7,126 |
| Average earning assets | $37,630,000 | 7,152 |
| Average equity | $6,569,670 | 6,509 |
| Average total loans | $34,764,670 | 6,469 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6390% | 4,115 |
| Cost of funding earning assets | 2.0515% | 3,861 |
| Net interest margin | 3.5875% | 4,372 |
| Noninterest income to average assets | 0.0288% | 7,937 |
| Noninterest expense to average assets | 3.3753% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1058% | 6,419 |
| Return on assets (ROA) | -0.1058% | 6,533 |
| Pretax return on assets | -0.1346% | 6,507 |
| Return on Equity (ROE) | -0.6692% | 6,489 |
| Retained earnings to average equity (ytd only) | -0.6692% | 5,802 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1543% | 979 |
| Assets per employee ($millions) | 4.2486% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1502% | 8,137 |
| Loan loss allowance to noncurrent loans | 16.9935% | 7,312 |
| Noncurrent assets plus other real estate owned to assets | 0.8356% | 5,099 |
| Noncurrent loans to loans | 0.8841% | 5,236 |
| Net loans and leases to total assets | 81.3444% | 1,130 |
| Net loans and leases to deposits | 96.5552% | 1,863 |
| Net loans and leases to core deposits | 119.8834% | 2,423 |
| Total domestic deposits to total assets | 84.2466% | 3,582 |
| Equity capital to assets | 15.4686% | 970 |
| Core capital (leverage) ratio | 15.7988% | 810 |
| Tier 1 risk-based capital ratio | 32.9589% | 494 |
| Total risk-based capital ratio | 33.2197% | 519 |
| Memoranda: | ||
| Average total assets | $41,596,000 | 7,187 |
| Average earning assets | $37,240,500 | 7,210 |
| Average equity | $6,575,500 | 6,558 |
| Average total loans | $34,932,000 | 6,498 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6568% | 6,916 |
| Cost of funding earning assets | 2.4453% | 4,505 |
| Net interest margin | 3.2115% | 6,335 |
| Noninterest income to average assets | 0.2539% | 6,632 |
| Noninterest expense to average assets | 3.2056% | 3,319 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.0380% | 6,422 |
| Return on assets (ROA) | -0.0380% | 6,274 |
| Pretax return on assets | -0.0475% | 6,208 |
| Return on Equity (ROE) | -0.2360% | 6,265 |
| Retained earnings to average equity (ytd only) | -0.2360% | 5,356 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5026% | 925 |
| Assets per employee ($millions) | 4.0706% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1475% | 8,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 7,088 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 86.4737% | 543 |
| Net loans and leases to deposits | 103.6422% | 1,380 |
| Net loans and leases to core deposits | 124.7608% | 2,267 |
| Total domestic deposits to total assets | 83.4349% | 3,593 |
| Equity capital to assets | 16.1622% | 901 |
| Core capital (leverage) ratio | 15.9747% | 832 |
| Tier 1 risk-based capital ratio | 32.9459% | 509 |
| Total risk-based capital ratio | 33.2064% | 540 |
| Memoranda: | ||
| Average total assets | $42,145,200 | 7,120 |
| Average earning assets | $38,113,400 | 7,128 |
| Average equity | $6,780,200 | 6,535 |
| Average total loans | $35,555,400 | 6,388 |