Home > South Coast Bank & Trust > Performance and Condition Ratios
South Coast Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2695% | 1,540 |
| Cost of funding earning assets | 1.9456% | 1,001 |
| Net interest margin | 3.3239% | 2,566 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.3591% | 2,700 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1130% | 1,881 |
| Return on assets (ROA) | 1.1139% | 1,856 |
| Pretax return on assets | 1.1139% | 2,369 |
| Return on Equity (ROE) | 18.2800% | 781 |
| Retained earnings to average equity (ytd only) | 10.2347% | 955 |
| 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 | 66.2948% | 2,314 |
| Assets per employee ($millions) | 8.9910% | 985 |
| Cash dividends to net income (ytd only)* | 44.0252% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 655 |
| Loan loss allowance to noncurrent loans | 371.8121% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 1,582 |
| Noncurrent loans to loans | 0.4579% | 1,636 |
| Net loans and leases to total assets | 74.1100% | 1,352 |
| Net loans and leases to deposits | 80.8776% | 2,040 |
| Net loans and leases to core deposits | 90.2906% | 2,031 |
| Total domestic deposits to total assets | 91.6300% | 370 |
| Equity capital to assets | 6.4536% | 4,132 |
| Core capital (leverage) ratio | 8.9756% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6993% | 1,982 |
| Memoranda: | ||
| Average total assets | $214,110,600 | 2,881 |
| Average earning assets | $202,410,400 | 2,840 |
| Average equity | $13,043,800 | 3,422 |
| Average total loans | $162,712,200 | 2,576 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1594% | 1,527 |
| Cost of funding earning assets | 1.7685% | 1,062 |
| Net interest margin | 3.3910% | 2,473 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.3697% | 2,597 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.2603% | 1,633 |
| Return on assets (ROA) | 1.2616% | 1,618 |
| Pretax return on assets | 1.2616% | 2,140 |
| Return on Equity (ROE) | 21.0200% | 637 |
| Retained earnings to average equity (ytd only) | 17.7382% | 352 |
| Net charge-offs to loans | -0.0008% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.6138% | 2,429 |
| Assets per employee ($millions) | 8.7666% | 1,017 |
| Cash dividends to net income (ytd only)* | 15.6281% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 830 |
| Loan loss allowance to noncurrent loans | 1,478.2123% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 3,025 |
| Noncurrent loans to loans | 0.1103% | 3,025 |
| Net loans and leases to total assets | 75.8700% | 1,139 |
| Net loans and leases to deposits | 82.5372% | 1,866 |
| Net loans and leases to core deposits | 91.8868% | 1,804 |
| Total domestic deposits to total assets | 91.9200% | 467 |
| Equity capital to assets | 6.1213% | 3,948 |
| Core capital (leverage) ratio | 9.2022% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9907% | 1,901 |
| Memoranda: | ||
| Average total assets | $213,692,000 | 2,895 |
| Average earning assets | $201,825,500 | 2,863 |
| Average equity | $12,823,250 | 3,438 |
| Average total loans | $162,717,750 | 2,586 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0235% | 1,527 |
| Cost of funding earning assets | 1.5315% | 1,187 |
| Net interest margin | 3.4921% | 2,285 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.3577% | 2,631 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.2086% | 1,814 |
| Return on assets (ROA) | 1.2105% | 1,791 |
| Pretax return on assets | 1.2105% | 2,330 |
| Return on Equity (ROE) | 20.3100% | 679 |
| Retained earnings to average equity (ytd only) | 17.8372% | 349 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.1570% | 2,352 |
| Assets per employee ($millions) | 8.4676% | 1,113 |
| Cash dividends to net income (ytd only)* | 12.1538% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6692% | 801 |
| Loan loss allowance to noncurrent loans | 1,459.1160% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 2,937 |
| Noncurrent loans to loans | 0.1144% | 2,907 |
| Net loans and leases to total assets | 73.5000% | 1,347 |
| Net loans and leases to deposits | 80.0942% | 1,967 |
| Net loans and leases to core deposits | 88.4281% | 1,902 |
| Total domestic deposits to total assets | 91.7600% | 463 |
| Equity capital to assets | 6.3342% | 4,055 |
| Core capital (leverage) ratio | 8.9340% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6896% | 2,023 |
| Memoranda: | ||
| Average total assets | $214,790,000 | 2,898 |
| Average earning assets | $203,204,333 | 2,869 |
| Average equity | $12,804,667 | 3,457 |
| Average total loans | $162,867,667 | 2,573 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 1,655 |
| Cost of funding earning assets | 1.3750% | 1,078 |
| Net interest margin | 3.4130% | 2,599 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.3056% | 2,797 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1519% | 2,057 |
| Return on assets (ROA) | 1.1519% | 2,026 |
| Pretax return on assets | 1.1519% | 2,553 |
| Return on Equity (ROE) | 19.9300% | 774 |
| Retained earnings to average equity (ytd only) | 19.9320% | 383 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.0835% | 2,316 |
| Assets per employee ($millions) | 8.7170% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6398% | 927 |
| 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 | 72.4200% | 1,382 |
| Net loans and leases to deposits | 78.6999% | 1,912 |
| Net loans and leases to core deposits | 87.5615% | 1,770 |
| Total domestic deposits to total assets | 92.0200% | 510 |
| Equity capital to assets | 5.9552% | 4,218 |
| Core capital (leverage) ratio | 8.7830% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4553% | 2,198 |
| Memoranda: | ||
| Average total assets | $216,339,500 | 2,930 |
| Average earning assets | $204,511,000 | 2,904 |
| Average equity | $12,502,500 | 3,522 |
| Average total loans | $165,189,500 | 2,588 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 1,020 |
| Cost of funding earning assets | 0.4331% | 1,839 |
| Net interest margin | 3.8841% | 993 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.4049% | 2,410 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.5945% | 702 |
| Return on assets (ROA) | 1.5886% | 676 |
| Pretax return on assets | 1.5886% | 1,192 |
| Return on Equity (ROE) | 23.8300% | 253 |
| Retained earnings to average equity (ytd only) | 12.2104% | 628 |
| Net charge-offs to loans | 0.0148% | 1,829 |
| Credit loss provision to net charge-offs | 1,321.7391% | 356 |
| Earnings coverage of net charge-offs (x) | 154.6087% | 773 |
| Efficiency ratio | 57.9719% | 3,344 |
| Assets per employee ($millions) | 8.2597% | 1,204 |
| Cash dividends to net income (ytd only)* | 48.7654% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 1,087 |
| 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 | 77.9000% | 804 |
| Net loans and leases to deposits | 84.3919% | 1,434 |
| Net loans and leases to core deposits | 92.1129% | 1,385 |
| Total domestic deposits to total assets | 92.3100% | 559 |
| Equity capital to assets | 5.6004% | 4,210 |
| Core capital (leverage) ratio | 8.9687% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4217% | 2,601 |
| Memoranda: | ||
| Average total assets | $203,954,600 | 3,028 |
| Average earning assets | $193,507,600 | 2,982 |
| Average equity | $13,595,000 | 3,517 |
| Average total loans | $155,006,600 | 2,592 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1877% | 912 |
| Cost of funding earning assets | 0.2870% | 2,310 |
| Net interest margin | 3.9006% | 807 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.4234% | 2,249 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.6582% | 582 |
| Return on assets (ROA) | 1.6582% | 567 |
| Pretax return on assets | 1.6582% | 984 |
| Return on Equity (ROE) | 23.8600% | 225 |
| Retained earnings to average equity (ytd only) | 19.3413% | 123 |
| Net charge-offs to loans | 0.0185% | 1,470 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 129.1905% | 813 |
| Efficiency ratio | 57.4164% | 3,454 |
| Assets per employee ($millions) | 7.8017% | 1,424 |
| Cash dividends to net income (ytd only)* | 18.9373% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 974 |
| 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 | 74.6500% | 1,047 |
| Net loans and leases to deposits | 82.8153% | 1,375 |
| Net loans and leases to core deposits | 90.5878% | 1,263 |
| Total domestic deposits to total assets | 90.1500% | 1,597 |
| Equity capital to assets | 6.1861% | 3,887 |
| Core capital (leverage) ratio | 9.4818% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6472% | 2,203 |
| Memoranda: | ||
| Average total assets | $201,255,000 | 3,058 |
| Average earning assets | $190,905,250 | 3,015 |
| Average equity | $13,987,000 | 3,513 |
| Average total loans | $151,276,250 | 2,626 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 858 |
| Cost of funding earning assets | 0.2508% | 2,258 |
| Net interest margin | 3.7993% | 753 |
| Noninterest income to average assets | 0.4713% | 2,345 |
| Noninterest expense to average assets | 2.3764% | 2,313 |
| Loan and lease loss provision to assets | 0.1255% | 775 |
| Net operating income to assets | 1.5773% | 578 |
| Return on assets (ROA) | 1.5773% | 567 |
| Pretax return on assets | 1.5773% | 993 |
| Return on Equity (ROE) | 21.8848% | 199 |
| Retained earnings to average equity (ytd only) | 17.5161% | 130 |
| Net charge-offs to loans | 0.0093% | 1,641 |
| Credit loss provision to net charge-offs | 1,800.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 244.1429% | 481 |
| Efficiency ratio | 58.2560% | 3,524 |
| Assets per employee ($millions) | 7.8128% | 1,407 |
| Cash dividends to net income (ytd only)* | 19.9621% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 1,079 |
| Loan loss allowance to noncurrent loans | 18,961.5385% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 3,980 |
| Noncurrent loans to loans | 0.0086% | 3,929 |
| Net loans and leases to total assets | 72.9915% | 1,007 |
| Net loans and leases to deposits | 77.8990% | 1,549 |
| Net loans and leases to core deposits | 85.5227% | 1,373 |
| Total domestic deposits to total assets | 93.7002% | 340 |
| Equity capital to assets | 6.1418% | 4,157 |
| Core capital (leverage) ratio | 8.9234% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5192% | 2,286 |
| Memoranda: | ||
| Average total assets | $200,725,667 | 3,092 |
| Average earning assets | $190,613,333 | 3,060 |
| Average equity | $14,466,667 | 3,545 |
| Average total loans | $150,379,333 | 2,640 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9176% | 897 |
| Cost of funding earning assets | 0.2342% | 2,335 |
| Net interest margin | 3.6834% | 768 |
| Noninterest income to average assets | 0.3468% | 3,016 |
| Noninterest expense to average assets | 2.3957% | 2,183 |
| Loan and lease loss provision to assets | 0.1263% | 656 |
| Net operating income to assets | 1.3252% | 949 |
| Return on assets (ROA) | 1.3252% | 937 |
| Pretax return on assets | 1.3252% | 1,441 |
| Return on Equity (ROE) | 17.1000% | 411 |
| Retained earnings to average equity (ytd only) | 17.1000% | 175 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2720% | 3,232 |
| Assets per employee ($millions) | 8.1199% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 1,288 |
| Loan loss allowance to noncurrent loans | 40,150.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 4,078 |
| Noncurrent loans to loans | 0.0040% | 4,013 |
| Net loans and leases to total assets | 73.2717% | 721 |
| Net loans and leases to deposits | 80.8132% | 1,092 |
| Net loans and leases to core deposits | 88.1913% | 1,011 |
| Total domestic deposits to total assets | 90.6679% | 1,201 |
| Equity capital to assets | 7.1823% | 4,109 |
| Core capital (leverage) ratio | 8.7098% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7925% | 2,683 |
| Memoranda: | ||
| Average total assets | $199,522,500 | 3,109 |
| Average earning assets | $189,605,500 | 3,083 |
| Average equity | $15,462,000 | 3,521 |
| Average total loans | $150,202,000 | 2,627 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 1,440 |
| Cost of funding earning assets | 0.3322% | 2,099 |
| Net interest margin | 3.6354% | 1,376 |
| Noninterest income to average assets | 0.5500% | 2,364 |
| Noninterest expense to average assets | 2.4876% | 2,217 |
| Loan and lease loss provision to assets | 0.0975% | 1,274 |
| Net operating income to assets | 1.4111% | 1,242 |
| Return on assets (ROA) | 1.4431% | 1,227 |
| Pretax return on assets | 1.4431% | 1,904 |
| Return on Equity (ROE) | 16.7670% | 627 |
| Retained earnings to average equity (ytd only) | 7.4795% | 1,729 |
| Net charge-offs to loans | 0.0043% | 2,449 |
| Credit loss provision to net charge-offs | 3,050.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 471.8333% | 287 |
| Efficiency ratio | 62.2483% | 2,834 |
| Assets per employee ($millions) | 7.8419% | 1,423 |
| Cash dividends to net income (ytd only)* | 55.3914% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5718% | 1,326 |
| Loan loss allowance to noncurrent loans | 1,847.2441% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 3,521 |
| Noncurrent loans to loans | 0.0851% | 3,509 |
| Net loans and leases to total assets | 74.9356% | 591 |
| Net loans and leases to deposits | 83.8718% | 909 |
| Net loans and leases to core deposits | 91.5207% | 904 |
| Total domestic deposits to total assets | 89.3454% | 1,330 |
| Equity capital to assets | 8.3368% | 4,153 |
| Core capital (leverage) ratio | 8.5077% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6263% | 2,744 |
| Memoranda: | ||
| Average total assets | $187,653,200 | 3,147 |
| Average earning assets | $177,887,200 | 3,111 |
| Average equity | $16,150,800 | 3,527 |
| Average total loans | $139,303,400 | 2,734 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9979% | 1,534 |
| Cost of funding earning assets | 0.3566% | 2,049 |
| Net interest margin | 3.6414% | 1,489 |
| Noninterest income to average assets | 0.6072% | 2,187 |
| Noninterest expense to average assets | 2.4833% | 2,174 |
| Loan and lease loss provision to assets | 0.0970% | 1,234 |
| Net operating income to assets | 1.4759% | 1,327 |
| Return on assets (ROA) | 1.5190% | 1,274 |
| Pretax return on assets | 1.5190% | 1,945 |
| Return on Equity (ROE) | 17.5041% | 689 |
| Retained earnings to average equity (ytd only) | 13.6870% | 543 |
| Net charge-offs to loans | 0.0010% | 2,417 |
| Credit loss provision to net charge-offs | 13,500.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 2,189.0000% | 65 |
| Efficiency ratio | 61.2223% | 2,801 |
| Assets per employee ($millions) | 8.1973% | 1,177 |
| Cash dividends to net income (ytd only)* | 21.8070% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 1,325 |
| Loan loss allowance to noncurrent loans | 1,265.3846% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 3,478 |
| Noncurrent loans to loans | 0.1269% | 3,470 |
| Net loans and leases to total assets | 71.7183% | 895 |
| Net loans and leases to deposits | 79.0648% | 1,374 |
| Net loans and leases to core deposits | 86.9781% | 1,216 |
| Total domestic deposits to total assets | 90.7083% | 466 |
| Equity capital to assets | 8.7204% | 4,055 |
| Core capital (leverage) ratio | 9.0771% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7311% | 2,457 |
| Memoranda: | ||
| Average total assets | $185,554,750 | 3,198 |
| Average earning assets | $175,753,000 | 3,161 |
| Average equity | $16,102,500 | 3,577 |
| Average total loans | $136,815,500 | 2,797 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 1,509 |
| Cost of funding earning assets | 0.3963% | 1,914 |
| Net interest margin | 3.6297% | 1,522 |
| Noninterest income to average assets | 0.4367% | 2,923 |
| Noninterest expense to average assets | 2.5101% | 2,111 |
| Loan and lease loss provision to assets | 0.0968% | 1,302 |
| Net operating income to assets | 1.2649% | 1,976 |
| Return on assets (ROA) | 1.2968% | 1,951 |
| Pretax return on assets | 1.2968% | 2,637 |
| Return on Equity (ROE) | 14.9702% | 1,165 |
| Retained earnings to average equity (ytd only) | 10.6658% | 1,203 |
| Net charge-offs to loans | 0.0015% | 2,171 |
| Credit loss provision to net charge-offs | 8,800.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 1,238.0000% | 103 |
| Efficiency ratio | 64.8295% | 2,321 |
| Assets per employee ($millions) | 7.3205% | 1,586 |
| Cash dividends to net income (ytd only)* | 28.7532% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 1,325 |
| Loan loss allowance to noncurrent loans | 1,671.1111% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 3,715 |
| Noncurrent loans to loans | 0.0946% | 3,704 |
| Net loans and leases to total assets | 76.7465% | 524 |
| Net loans and leases to deposits | 84.3195% | 1,039 |
| Net loans and leases to core deposits | 92.6723% | 966 |
| Total domestic deposits to total assets | 91.0187% | 369 |
| Equity capital to assets | 8.8125% | 3,962 |
| Core capital (leverage) ratio | 8.9199% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2287% | 2,637 |
| Memoranda: | ||
| Average total assets | $181,828,000 | 3,241 |
| Average earning assets | $172,080,000 | 3,198 |
| Average equity | $15,751,333 | 3,608 |
| Average total loans | $134,621,333 | 2,835 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0204% | 1,571 |
| Cost of funding earning assets | 0.4726% | 1,576 |
| Net interest margin | 3.5478% | 1,703 |
| Noninterest income to average assets | 0.4679% | 2,766 |
| Noninterest expense to average assets | 2.5249% | 2,105 |
| Loan and lease loss provision to assets | 0.1104% | 1,255 |
| Net operating income to assets | 1.1962% | 2,163 |
| Return on assets (ROA) | 1.2006% | 2,221 |
| Pretax return on assets | 1.2006% | 2,848 |
| Return on Equity (ROE) | 13.9819% | 1,431 |
| Retained earnings to average equity (ytd only) | 11.5659% | 1,258 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8986% | 2,249 |
| Assets per employee ($millions) | 7.4765% | 1,465 |
| Cash dividends to net income (ytd only)* | 17.2794% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 1,139 |
| Loan loss allowance to noncurrent loans | 1,607.9710% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 3,843 |
| Noncurrent loans to loans | 0.1034% | 3,790 |
| Net loans and leases to total assets | 70.1988% | 1,261 |
| Net loans and leases to deposits | 77.0527% | 1,795 |
| Net loans and leases to core deposits | 81.3791% | 1,885 |
| Total domestic deposits to total assets | 91.1049% | 364 |
| Equity capital to assets | 8.2049% | 4,361 |
| Core capital (leverage) ratio | 8.8557% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5236% | 2,482 |
| Memoranda: | ||
| Average total assets | $181,235,500 | 3,244 |
| Average earning assets | $171,824,000 | 3,197 |
| Average equity | $15,563,000 | 3,630 |
| Average total loans | $130,576,000 | 2,892 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 1,533 |
| Cost of funding earning assets | 0.8187% | 1,135 |
| Net interest margin | 3.5983% | 2,149 |
| Noninterest income to average assets | 0.3721% | 3,256 |
| Noninterest expense to average assets | 2.6052% | 2,533 |
| Loan and lease loss provision to assets | 0.1366% | 2,654 |
| Net operating income to assets | 1.0210% | 2,211 |
| Return on assets (ROA) | 1.1314% | 1,917 |
| Pretax return on assets | 1.1314% | 2,580 |
| Return on Equity (ROE) | 12.2653% | 1,242 |
| Retained earnings to average equity (ytd only) | 8.4949% | 909 |
| Net charge-offs to loans | 0.0024% | 3,306 |
| Credit loss provision to net charge-offs | 7,500.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 635.6667% | 184 |
| Efficiency ratio | 69.2370% | 2,059 |
| Assets per employee ($millions) | 7.3150% | 1,389 |
| Cash dividends to net income (ytd only)* | 30.7403% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6982% | 1,040 |
| Loan loss allowance to noncurrent loans | 1,485.6164% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 3,915 |
| Noncurrent loans to loans | 0.1143% | 3,831 |
| Net loans and leases to total assets | 71.5167% | 1,361 |
| Net loans and leases to deposits | 79.5355% | 1,922 |
| Net loans and leases to core deposits | 88.0290% | 1,694 |
| Total domestic deposits to total assets | 89.9179% | 601 |
| Equity capital to assets | 8.9941% | 4,057 |
| Core capital (leverage) ratio | 8.7090% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6628% | 2,379 |
| Memoranda: | ||
| Average total assets | $164,746,000 | 3,243 |
| Average earning assets | $155,241,800 | 3,210 |
| Average equity | $15,197,400 | 3,634 |
| Average total loans | $123,840,200 | 2,939 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 1,641 |
| Cost of funding earning assets | 0.8835% | 1,124 |
| Net interest margin | 3.5901% | 2,308 |
| Noninterest income to average assets | 0.3530% | 3,339 |
| Noninterest expense to average assets | 2.6470% | 2,393 |
| Loan and lease loss provision to assets | 0.1605% | 2,395 |
| Net operating income to assets | 0.9224% | 2,615 |
| Return on assets (ROA) | 1.0713% | 2,207 |
| Pretax return on assets | 1.0713% | 2,851 |
| Return on Equity (ROE) | 11.5352% | 1,501 |
| Retained earnings to average equity (ytd only) | 11.5352% | 491 |
| Net charge-offs to loans | 0.0022% | 3,115 |
| Credit loss provision to net charge-offs | 9,750.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 658.0000% | 185 |
| Efficiency ratio | 70.9685% | 1,754 |
| Assets per employee ($millions) | 7.4281% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 918 |
| Loan loss allowance to noncurrent loans | 566.1376% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 3,383 |
| Noncurrent loans to loans | 0.2976% | 3,209 |
| Net loans and leases to total assets | 70.0523% | 1,945 |
| Net loans and leases to deposits | 79.2649% | 2,394 |
| Net loans and leases to core deposits | 87.6644% | 2,176 |
| Total domestic deposits to total assets | 88.3774% | 1,022 |
| Equity capital to assets | 8.8482% | 4,218 |
| Core capital (leverage) ratio | 8.8615% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4764% | 2,430 |
| Memoranda: | ||
| Average total assets | $162,042,750 | 3,255 |
| Average earning assets | $152,415,250 | 3,218 |
| Average equity | $15,049,250 | 3,648 |
| Average total loans | $122,869,500 | 2,961 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 1,390 |
| Cost of funding earning assets | 0.9431% | 1,176 |
| Net interest margin | 3.7641% | 1,944 |
| Noninterest income to average assets | 0.3524% | 3,368 |
| Noninterest expense to average assets | 2.7363% | 2,268 |
| Loan and lease loss provision to assets | 0.1724% | 2,287 |
| Net operating income to assets | 0.9704% | 2,423 |
| Return on assets (ROA) | 1.1109% | 2,055 |
| Pretax return on assets | 1.1109% | 2,682 |
| Return on Equity (ROE) | 11.7507% | 1,406 |
| Retained earnings to average equity (ytd only) | 11.7507% | 490 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5398% | 1,879 |
| Assets per employee ($millions) | 7.0610% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 855 |
| Loan loss allowance to noncurrent loans | 603.4783% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 3,553 |
| Noncurrent loans to loans | 0.2781% | 3,385 |
| Net loans and leases to total assets | 69.0994% | 2,170 |
| Net loans and leases to deposits | 78.0583% | 2,646 |
| Net loans and leases to core deposits | 88.0904% | 2,239 |
| Total domestic deposits to total assets | 88.5228% | 935 |
| Equity capital to assets | 8.6900% | 4,361 |
| Core capital (leverage) ratio | 9.4871% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9247% | 2,210 |
| Memoranda: | ||
| Average total assets | $156,632,333 | 3,286 |
| Average earning assets | $146,755,333 | 3,257 |
| Average equity | $14,807,667 | 3,680 |
| Average total loans | $121,484,333 | 2,962 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 1,124 |
| Cost of funding earning assets | 1.0567% | 1,196 |
| Net interest margin | 3.8697% | 1,758 |
| Noninterest income to average assets | 0.3872% | 3,188 |
| Noninterest expense to average assets | 2.9123% | 2,089 |
| Loan and lease loss provision to assets | 0.1909% | 1,573 |
| Net operating income to assets | 0.8890% | 2,556 |
| Return on assets (ROA) | 1.0417% | 2,131 |
| Pretax return on assets | 1.0417% | 2,695 |
| Return on Equity (ROE) | 10.5079% | 1,572 |
| Retained earnings to average equity (ytd only) | 10.5079% | 641 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9508% | 1,946 |
| Assets per employee ($millions) | 5.9172% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 899 |
| Loan loss allowance to noncurrent loans | 600.5952% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 3,563 |
| Noncurrent loans to loans | 0.2805% | 3,486 |
| Net loans and leases to total assets | 79.6147% | 741 |
| Net loans and leases to deposits | 91.7715% | 1,311 |
| Net loans and leases to core deposits | 103.4194% | 1,220 |
| Total domestic deposits to total assets | 86.7532% | 1,667 |
| Equity capital to assets | 9.9500% | 3,838 |
| Core capital (leverage) ratio | 10.2320% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3277% | 2,135 |
| Memoranda: | ||
| Average total assets | $146,686,500 | 3,369 |
| Average earning assets | $136,652,500 | 3,358 |
| Average equity | $14,541,500 | 3,711 |
| Average total loans | $120,197,000 | 2,952 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1484% | 1,110 |
| Cost of funding earning assets | 1.1109% | 1,284 |
| Net interest margin | 4.0375% | 1,720 |
| Noninterest income to average assets | 0.5388% | 2,538 |
| Noninterest expense to average assets | 2.9850% | 2,054 |
| Loan and lease loss provision to assets | 0.1544% | 1,365 |
| Net operating income to assets | 1.1717% | 2,171 |
| Return on assets (ROA) | 1.1775% | 2,244 |
| Pretax return on assets | 1.1775% | 2,922 |
| Return on Equity (ROE) | 11.5478% | 1,670 |
| Retained earnings to average equity (ytd only) | 6.0838% | 1,822 |
| Net charge-offs to loans | 0.0136% | 3,209 |
| Credit loss provision to net charge-offs | 1,400.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 120.2667% | 589 |
| Efficiency ratio | 69.2413% | 2,283 |
| Assets per employee ($millions) | 5.8177% | 1,779 |
| Cash dividends to net income (ytd only)* | 47.3159% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6144% | 954 |
| Loan loss allowance to noncurrent loans | 600.9259% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 3,561 |
| Noncurrent loans to loans | 0.2687% | 3,485 |
| Net loans and leases to total assets | 81.5818% | 603 |
| Net loans and leases to deposits | 94.1781% | 1,138 |
| Net loans and leases to core deposits | 106.5795% | 1,077 |
| Total domestic deposits to total assets | 86.6250% | 1,792 |
| Equity capital to assets | 9.8760% | 4,033 |
| Core capital (leverage) ratio | 10.2348% | 3,264 |
| Tier 1 risk-based capital ratio | 12.6323% | 3,990 |
| Total risk-based capital ratio | 13.8874% | 3,873 |
| Memoranda: | ||
| Average total assets | $136,046,600 | 3,495 |
| Average earning assets | $127,107,400 | 3,469 |
| Average equity | $13,872,800 | 3,769 |
| Average total loans | $110,051,000 | 3,088 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1758% | 1,091 |
| Cost of funding earning assets | 1.1081% | 1,316 |
| Net interest margin | 4.0677% | 1,709 |
| Noninterest income to average assets | 0.5445% | 2,492 |
| Noninterest expense to average assets | 3.0207% | 1,917 |
| Loan and lease loss provision to assets | 0.1496% | 1,268 |
| Net operating income to assets | 1.1778% | 2,268 |
| Return on assets (ROA) | 1.1778% | 2,352 |
| Pretax return on assets | 1.1778% | 3,053 |
| Return on Equity (ROE) | 11.4519% | 1,821 |
| Retained earnings to average equity (ytd only) | 8.0289% | 1,378 |
| Net charge-offs to loans | 0.0161% | 2,828 |
| Credit loss provision to net charge-offs | 1,153.8462% | 310 |
| Earnings coverage of net charge-offs (x) | 102.4016% | 739 |
| Efficiency ratio | 69.4725% | 2,193 |
| Assets per employee ($millions) | 5.7324% | 1,817 |
| Cash dividends to net income (ytd only)* | 29.8896% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 76.7556% | 1,353 |
| Net loans and leases to deposits | 85.9030% | 2,199 |
| Net loans and leases to core deposits | 97.0472% | 1,898 |
| Total domestic deposits to total assets | 89.3514% | 498 |
| Equity capital to assets | 10.4094% | 3,625 |
| Core capital (leverage) ratio | 10.5530% | 3,054 |
| Tier 1 risk-based capital ratio | 14.5443% | 3,052 |
| Total risk-based capital ratio | 15.8025% | 2,976 |
| Memoranda: | ||
| Average total assets | $133,697,500 | 3,554 |
| Average earning assets | $125,015,500 | 3,528 |
| Average equity | $13,750,000 | 3,822 |
| Average total loans | $107,413,250 | 3,161 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1691% | 1,046 |
| Cost of funding earning assets | 1.1000% | 1,306 |
| Net interest margin | 4.0692% | 1,703 |
| Noninterest income to average assets | 0.4562% | 2,925 |
| Noninterest expense to average assets | 3.0422% | 1,879 |
| Loan and lease loss provision to assets | 0.1813% | 983 |
| Net operating income to assets | 1.0438% | 2,753 |
| Return on assets (ROA) | 1.0438% | 2,824 |
| Pretax return on assets | 1.0438% | 3,406 |
| Return on Equity (ROE) | 10.1920% | 2,296 |
| Retained earnings to average equity (ytd only) | 6.5636% | 2,023 |
| Net charge-offs to loans | 0.0149% | 2,606 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 101.3750% | 690 |
| Efficiency ratio | 71.2920% | 2,016 |
| Assets per employee ($millions) | 5.8893% | 1,619 |
| Cash dividends to net income (ytd only)* | 35.6006% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 824 |
| Loan loss allowance to noncurrent loans | 37,280.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,803 |
| Noncurrent loans to loans | 0.0046% | 4,716 |
| Net loans and leases to total assets | 79.7165% | 929 |
| Net loans and leases to deposits | 89.0858% | 1,850 |
| Net loans and leases to core deposits | 106.5922% | 1,206 |
| Total domestic deposits to total assets | 89.4829% | 484 |
| Equity capital to assets | 10.2875% | 3,709 |
| Core capital (leverage) ratio | 10.4388% | 3,156 |
| Tier 1 risk-based capital ratio | 13.4854% | 3,592 |
| Total risk-based capital ratio | 14.7419% | 3,484 |
| Memoranda: | ||
| Average total assets | $132,404,330 | 3,594 |
| Average earning assets | $124,005,330 | 3,559 |
| Average equity | $13,559,670 | 3,851 |
| Average total loans | $107,388,670 | 3,175 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1165% | 1,066 |
| Cost of funding earning assets | 1.0658% | 1,307 |
| Net interest margin | 4.0507% | 1,683 |
| Noninterest income to average assets | 0.4248% | 3,012 |
| Noninterest expense to average assets | 3.0715% | 1,801 |
| Loan and lease loss provision to assets | 0.1834% | 896 |
| Net operating income to assets | 0.9566% | 3,019 |
| Return on assets (ROA) | 0.9566% | 3,062 |
| Pretax return on assets | 0.9566% | 3,599 |
| Return on Equity (ROE) | 9.3628% | 2,646 |
| Retained earnings to average equity (ytd only) | 9.3628% | 1,204 |
| Net charge-offs to loans | 0.0226% | 1,991 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 62.1667% | 900 |
| Efficiency ratio | 72.9318% | 1,891 |
| Assets per employee ($millions) | 5.9821% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 837 |
| Loan loss allowance to noncurrent loans | 180,600.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,898 |
| Noncurrent loans to loans | 0.0009% | 4,809 |
| Net loans and leases to total assets | 78.7929% | 1,017 |
| Net loans and leases to deposits | 88.1118% | 1,856 |
| Net loans and leases to core deposits | 105.4378% | 1,210 |
| Total domestic deposits to total assets | 89.4238% | 679 |
| Equity capital to assets | 10.3406% | 3,485 |
| Core capital (leverage) ratio | 10.6158% | 2,927 |
| Tier 1 risk-based capital ratio | 13.4027% | 3,665 |
| Total risk-based capital ratio | 14.6585% | 3,568 |
| Memoranda: | ||
| Average total assets | $130,879,000 | 3,648 |
| Average earning assets | $122,348,500 | 3,626 |
| Average equity | $13,372,000 | 3,894 |
| Average total loans | $106,161,000 | 3,223 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 1,063 |
| Cost of funding earning assets | 0.8341% | 1,365 |
| Net interest margin | 4.1571% | 1,509 |
| Noninterest income to average assets | 1.1379% | 708 |
| Noninterest expense to average assets | 3.1278% | 1,732 |
| Loan and lease loss provision to assets | 0.3311% | 475 |
| Net operating income to assets | 1.5528% | 987 |
| Return on assets (ROA) | 1.5528% | 979 |
| Pretax return on assets | 1.5528% | 1,615 |
| Return on Equity (ROE) | 15.1433% | 795 |
| Retained earnings to average equity (ytd only) | 9.3984% | 755 |
| Net charge-offs to loans | 0.0454% | 2,526 |
| Credit loss provision to net charge-offs | 895.5556% | 404 |
| Earnings coverage of net charge-offs (x) | 50.9556% | 1,122 |
| Efficiency ratio | 62.4098% | 3,451 |
| Assets per employee ($millions) | 5.9160% | 1,580 |
| Cash dividends to net income (ytd only)* | 37.9365% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 941 |
| Loan loss allowance to noncurrent loans | 175,200.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,933 |
| Noncurrent loans to loans | 0.0009% | 4,832 |
| Net loans and leases to total assets | 80.7270% | 836 |
| Net loans and leases to deposits | 90.0888% | 1,787 |
| Net loans and leases to core deposits | 110.9355% | 948 |
| Total domestic deposits to total assets | 89.6082% | 622 |
| Equity capital to assets | 10.0921% | 3,582 |
| Core capital (leverage) ratio | 10.4312% | 3,108 |
| Tier 1 risk-based capital ratio | 13.0548% | 3,819 |
| Total risk-based capital ratio | 14.3103% | 3,703 |
| Memoranda: | ||
| Average total assets | $121,714,400 | 3,760 |
| Average earning assets | $113,420,200 | 3,749 |
| Average equity | $12,480,800 | 3,961 |
| Average total loans | $99,114,400 | 3,311 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 1,078 |
| Cost of funding earning assets | 0.7587% | 1,543 |
| Net interest margin | 4.1779% | 1,424 |
| Noninterest income to average assets | 0.4883% | 2,929 |
| Noninterest expense to average assets | 3.0678% | 1,841 |
| Loan and lease loss provision to assets | 0.2218% | 741 |
| Net operating income to assets | 1.0902% | 2,708 |
| Return on assets (ROA) | 1.0902% | 2,722 |
| Pretax return on assets | 1.0902% | 3,439 |
| Return on Equity (ROE) | 10.5865% | 2,356 |
| Retained earnings to average equity (ytd only) | 7.7504% | 1,771 |
| Net charge-offs to loans | 0.0041% | 3,312 |
| Credit loss provision to net charge-offs | 6,633.3333% | 61 |
| Earnings coverage of net charge-offs (x) | 392.3225% | 239 |
| Efficiency ratio | 70.0433% | 2,181 |
| Assets per employee ($millions) | 5.7633% | 1,675 |
| Cash dividends to net income (ytd only)* | 26.7890% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 1,335 |
| Loan loss allowance to noncurrent loans | 4,297.2973% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 4,841 |
| Noncurrent loans to loans | 0.0350% | 4,739 |
| Net loans and leases to total assets | 82.2112% | 678 |
| Net loans and leases to deposits | 91.5300% | 1,686 |
| Net loans and leases to core deposits | 111.6505% | 932 |
| Total domestic deposits to total assets | 89.8188% | 566 |
| Equity capital to assets | 9.9240% | 3,722 |
| Core capital (leverage) ratio | 10.2864% | 3,306 |
| Tier 1 risk-based capital ratio | 12.7963% | 4,025 |
| Total risk-based capital ratio | 14.0503% | 3,922 |
| Memoranda: | ||
| Average total assets | $119,605,250 | 3,836 |
| Average earning assets | $111,408,250 | 3,823 |
| Average equity | $12,317,250 | 4,021 |
| Average total loans | $97,188,250 | 3,382 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8294% | 1,177 |
| Cost of funding earning assets | 0.6910% | 1,673 |
| Net interest margin | 4.1384% | 1,450 |
| Noninterest income to average assets | 0.3993% | 3,491 |
| Noninterest expense to average assets | 3.0561% | 1,892 |
| Loan and lease loss provision to assets | 0.1979% | 870 |
| Net operating income to assets | 0.9982% | 3,029 |
| Return on assets (ROA) | 0.9982% | 3,030 |
| Pretax return on assets | 0.9982% | 3,666 |
| Return on Equity (ROE) | 9.5677% | 2,766 |
| Retained earnings to average equity (ytd only) | 6.7873% | 2,172 |
| Net charge-offs to loans | 0.0021% | 3,132 |
| Credit loss provision to net charge-offs | 11,600.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 701.0000% | 119 |
| Efficiency ratio | 71.8700% | 2,027 |
| Assets per employee ($millions) | 6.1929% | 1,334 |
| Cash dividends to net income (ytd only)* | 29.0598% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 1,406 |
| Loan loss allowance to noncurrent loans | 3,869.2308% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 4,873 |
| Noncurrent loans to loans | 0.0387% | 4,740 |
| Net loans and leases to total assets | 80.1279% | 996 |
| Net loans and leases to deposits | 89.1937% | 1,951 |
| Net loans and leases to core deposits | 103.4913% | 1,435 |
| Total domestic deposits to total assets | 89.8359% | 623 |
| Equity capital to assets | 9.9437% | 3,680 |
| Core capital (leverage) ratio | 10.2992% | 3,237 |
| Tier 1 risk-based capital ratio | 12.8129% | 3,997 |
| Total risk-based capital ratio | 14.0660% | 3,910 |
| Memoranda: | ||
| Average total assets | $117,209,330 | 3,910 |
| Average earning assets | $109,124,000 | 3,890 |
| Average equity | $12,228,670 | 4,052 |
| Average total loans | $94,308,330 | 3,442 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7463% | 1,197 |
| Cost of funding earning assets | 0.6402% | 1,779 |
| Net interest margin | 4.1062% | 1,421 |
| Noninterest income to average assets | 0.3688% | 3,671 |
| Noninterest expense to average assets | 3.1259% | 1,752 |
| Loan and lease loss provision to assets | 0.2037% | 811 |
| Net operating income to assets | 0.8465% | 3,519 |
| Return on assets (ROA) | 0.8465% | 3,535 |
| Pretax return on assets | 0.8465% | 4,026 |
| Return on Equity (ROE) | 7.9114% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.9114% | 1,875 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8528% | 1,771 |
| Assets per employee ($millions) | 5.9529% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 1,364 |
| Loan loss allowance to noncurrent loans | 3,723.0769% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 4,945 |
| Noncurrent loans to loans | 0.0410% | 4,786 |
| Net loans and leases to total assets | 78.6800% | 1,129 |
| Net loans and leases to deposits | 87.8933% | 1,943 |
| Net loans and leases to core deposits | 100.4698% | 1,652 |
| Total domestic deposits to total assets | 89.5176% | 878 |
| Equity capital to assets | 10.2682% | 3,315 |
| Core capital (leverage) ratio | 10.9453% | 2,494 |
| Tier 1 risk-based capital ratio | 13.3290% | 3,756 |
| Total risk-based capital ratio | 14.5829% | 3,669 |
| Memoranda: | ||
| Average total assets | $113,885,500 | 3,997 |
| Average earning assets | $105,597,500 | 3,995 |
| Average equity | $12,185,000 | 4,089 |
| Average total loans | $91,086,000 | 3,521 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6046% | 1,413 |
| Cost of funding earning assets | 0.4930% | 2,398 |
| Net interest margin | 4.1117% | 1,399 |
| Noninterest income to average assets | 0.3972% | 3,653 |
| Noninterest expense to average assets | 3.2449% | 1,517 |
| Loan and lease loss provision to assets | 0.1236% | 1,854 |
| Net operating income to assets | 0.8379% | 2,999 |
| Return on assets (ROA) | 0.8407% | 3,024 |
| Pretax return on assets | 0.8407% | 4,120 |
| Return on Equity (ROE) | 7.3755% | 3,087 |
| Retained earnings to average equity (ytd only) | 3.0297% | 3,488 |
| Net charge-offs to loans | 0.0048% | 3,915 |
| Credit loss provision to net charge-offs | 3,275.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 254.7500% | 329 |
| Efficiency ratio | 77.1422% | 1,465 |
| Assets per employee ($millions) | 5.4357% | 2,005 |
| Cash dividends to net income (ytd only)* | 58.9226% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 1,142 |
| Loan loss allowance to noncurrent loans | 46,466.6667% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 5,182 |
| Noncurrent loans to loans | 0.0034% | 5,047 |
| Net loans and leases to total assets | 78.7865% | 1,161 |
| Net loans and leases to deposits | 88.9512% | 1,898 |
| Net loans and leases to core deposits | 96.0472% | 2,018 |
| Total domestic deposits to total assets | 88.5728% | 1,212 |
| Equity capital to assets | 11.1715% | 2,461 |
| Core capital (leverage) ratio | 11.2050% | 2,155 |
| Tier 1 risk-based capital ratio | 14.1142% | 3,300 |
| Total risk-based capital ratio | 15.3684% | 3,200 |
| Memoranda: | ||
| Average total assets | $105,982,800 | 4,136 |
| Average earning assets | $98,183,800 | 4,126 |
| Average equity | $12,080,600 | 4,122 |
| Average total loans | $83,481,000 | 3,669 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5293% | 1,562 |
| Cost of funding earning assets | 0.4735% | 2,489 |
| Net interest margin | 4.0558% | 1,519 |
| Noninterest income to average assets | 0.3254% | 4,210 |
| Noninterest expense to average assets | 3.2820% | 1,391 |
| Loan and lease loss provision to assets | 0.1456% | 1,442 |
| Net operating income to assets | 0.6609% | 4,153 |
| Return on assets (ROA) | 0.6647% | 4,193 |
| Pretax return on assets | 0.6647% | 4,692 |
| Return on Equity (ROE) | 5.8020% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.8020% | 2,378 |
| Net charge-offs to loans | 0.0048% | 3,564 |
| Credit loss provision to net charge-offs | 3,833.3333% | 119 |
| Earnings coverage of net charge-offs (x) | 212.3275% | 405 |
| Efficiency ratio | 80.2725% | 1,069 |
| Assets per employee ($millions) | 5.9413% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 1,170 |
| Loan loss allowance to noncurrent loans | 456.6225% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 3,937 |
| Noncurrent loans to loans | 0.3575% | 3,671 |
| Net loans and leases to total assets | 77.7059% | 1,313 |
| Net loans and leases to deposits | 88.1624% | 2,036 |
| Net loans and leases to core deposits | 95.1934% | 2,155 |
| Total domestic deposits to total assets | 88.1395% | 1,287 |
| Equity capital to assets | 11.5931% | 2,284 |
| Core capital (leverage) ratio | 11.5638% | 1,977 |
| Tier 1 risk-based capital ratio | 14.8490% | 2,987 |
| Total risk-based capital ratio | 16.1043% | 2,911 |
| Memoranda: | ||
| Average total assets | $105,300,000 | 4,192 |
| Average earning assets | $97,701,250 | 4,171 |
| Average equity | $12,064,500 | 4,163 |
| Average total loans | $82,589,750 | 3,713 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 1,626 |
| Cost of funding earning assets | 0.4688% | 2,420 |
| Net interest margin | 3.9910% | 1,633 |
| Noninterest income to average assets | 0.3169% | 4,278 |
| Noninterest expense to average assets | 3.2763% | 1,417 |
| Loan and lease loss provision to assets | 0.2005% | 919 |
| Net operating income to assets | 0.5460% | 4,540 |
| Return on assets (ROA) | 0.5518% | 4,557 |
| Pretax return on assets | 0.5518% | 4,903 |
| Return on Equity (ROE) | 4.8355% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.8355% | 2,821 |
| Net charge-offs to loans | 0.0049% | 3,299 |
| Credit loss provision to net charge-offs | 5,250.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 195.5000% | 419 |
| Efficiency ratio | 81.4428% | 1,058 |
| Assets per employee ($millions) | 5.9716% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 1,057 |
| Loan loss allowance to noncurrent loans | 681.5920% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 4,427 |
| Noncurrent loans to loans | 0.2499% | 4,140 |
| Net loans and leases to total assets | 73.5543% | 1,949 |
| Net loans and leases to deposits | 83.1505% | 2,584 |
| Net loans and leases to core deposits | 90.1382% | 2,513 |
| Total domestic deposits to total assets | 88.4592% | 1,226 |
| Equity capital to assets | 11.3250% | 2,473 |
| Core capital (leverage) ratio | 11.5191% | 1,956 |
| Tier 1 risk-based capital ratio | 15.3736% | 2,769 |
| Total risk-based capital ratio | 16.6293% | 2,702 |
| Memoranda: | ||
| Average total assets | $104,752,330 | 4,233 |
| Average earning assets | $97,268,670 | 4,211 |
| Average equity | $11,953,330 | 4,196 |
| Average total loans | $81,959,670 | 3,747 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 1,739 |
| Cost of funding earning assets | 0.4757% | 2,300 |
| Net interest margin | 3.8974% | 1,787 |
| Noninterest income to average assets | 0.3289% | 4,195 |
| Noninterest expense to average assets | 3.3003% | 1,390 |
| Loan and lease loss provision to assets | 0.2438% | 631 |
| Net operating income to assets | 0.3985% | 4,945 |
| Return on assets (ROA) | 0.4063% | 4,950 |
| Pretax return on assets | 0.4063% | 5,153 |
| Return on Equity (ROE) | 3.5462% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.5462% | 3,671 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7095% | 998 |
| Assets per employee ($millions) | 5.9602% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 1,398 |
| Loan loss allowance to noncurrent loans | 471.6312% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 4,163 |
| Noncurrent loans to loans | 0.3381% | 3,888 |
| Net loans and leases to total assets | 76.4958% | 1,329 |
| Net loans and leases to deposits | 86.2474% | 2,011 |
| Net loans and leases to core deposits | 92.1614% | 2,145 |
| Total domestic deposits to total assets | 88.6935% | 1,325 |
| Equity capital to assets | 11.1089% | 2,522 |
| Core capital (leverage) ratio | 11.7343% | 1,800 |
| Tier 1 risk-based capital ratio | 14.6264% | 3,147 |
| Total risk-based capital ratio | 15.8804% | 3,073 |
| Memoranda: | ||
| Average total assets | $103,384,500 | 4,297 |
| Average earning assets | $95,859,500 | 4,275 |
| Average equity | $11,843,500 | 4,241 |
| Average total loans | $82,723,500 | 3,748 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 1,667 |
| Cost of funding earning assets | 0.4876% | 2,189 |
| Net interest margin | 3.9684% | 1,736 |
| Noninterest income to average assets | 1.0495% | 1,025 |
| Noninterest expense to average assets | 3.4937% | 1,168 |
| Loan and lease loss provision to assets | 0.3991% | 391 |
| Net operating income to assets | 0.8172% | 3,222 |
| Return on assets (ROA) | 0.8373% | 3,231 |
| Pretax return on assets | 0.8373% | 4,056 |
| Return on Equity (ROE) | 7.9999% | 2,935 |
| Retained earnings to average equity (ytd only) | 7.9999% | 855 |
| Net charge-offs to loans | 0.1682% | 1,612 |
| Credit loss provision to net charge-offs | 297.6378% | 994 |
| Earnings coverage of net charge-offs (x) | 9.0709% | 2,791 |
| Efficiency ratio | 74.1762% | 2,267 |
| Assets per employee ($millions) | 5.2361% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 1,520 |
| Loan loss allowance to noncurrent loans | 1,218.2692% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 4,902 |
| Noncurrent loans to loans | 0.1268% | 4,730 |
| Net loans and leases to total assets | 81.2004% | 713 |
| Net loans and leases to deposits | 92.4016% | 1,392 |
| Net loans and leases to core deposits | 108.6596% | 979 |
| Total domestic deposits to total assets | 87.8777% | 1,688 |
| Equity capital to assets | 11.8298% | 1,916 |
| Core capital (leverage) ratio | 11.9082% | 1,662 |
| Tier 1 risk-based capital ratio | 14.7123% | 3,096 |
| Total risk-based capital ratio | 15.9663% | 3,042 |
| Memoranda: | ||
| Average total assets | $94,713,600 | 4,451 |
| Average earning assets | $87,365,000 | 4,449 |
| Average equity | $9,912,600 | 4,596 |
| Average total loans | $75,490,000 | 3,912 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 1,822 |
| Cost of funding earning assets | 0.4829% | 2,233 |
| Net interest margin | 3.9297% | 1,879 |
| Noninterest income to average assets | 0.9538% | 1,248 |
| Noninterest expense to average assets | 3.5742% | 1,035 |
| Loan and lease loss provision to assets | 0.2310% | 862 |
| Net operating income to assets | 0.7684% | 3,521 |
| Return on assets (ROA) | 0.7784% | 3,610 |
| Pretax return on assets | 0.7784% | 4,381 |
| Return on Equity (ROE) | 7.7047% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.7047% | 1,312 |
| Net charge-offs to loans | 0.0650% | 2,414 |
| Credit loss provision to net charge-offs | 450.0000% | 775 |
| Earnings coverage of net charge-offs (x) | 19.4717% | 1,933 |
| Efficiency ratio | 78.1484% | 1,671 |
| Assets per employee ($millions) | 5.0299% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 2,073 |
| Loan loss allowance to noncurrent loans | 1,177.3196% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 5,054 |
| Noncurrent loans to loans | 0.1213% | 4,856 |
| Net loans and leases to total assets | 78.3694% | 1,133 |
| Net loans and leases to deposits | 87.1784% | 2,123 |
| Net loans and leases to core deposits | 101.9185% | 1,491 |
| Total domestic deposits to total assets | 89.8954% | 523 |
| Equity capital to assets | 9.7666% | 4,402 |
| Core capital (leverage) ratio | 9.9941% | 3,578 |
| Tier 1 risk-based capital ratio | 12.0317% | 4,773 |
| Total risk-based capital ratio | 13.2834% | 4,672 |
| Memoranda: | ||
| Average total assets | $93,520,500 | 4,517 |
| Average earning assets | $86,144,500 | 4,507 |
| Average equity | $9,448,500 | 4,710 |
| Average total loans | $73,850,000 | 3,976 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4153% | 1,786 |
| Cost of funding earning assets | 0.4766% | 2,302 |
| Net interest margin | 3.9388% | 1,842 |
| Noninterest income to average assets | 0.8249% | 1,629 |
| Noninterest expense to average assets | 3.7253% | 848 |
| Loan and lease loss provision to assets | 0.2369% | 842 |
| Net operating income to assets | 0.4892% | 4,722 |
| Return on assets (ROA) | 0.5046% | 4,770 |
| Pretax return on assets | 0.5046% | 5,118 |
| Return on Equity (ROE) | 4.9340% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.9340% | 2,780 |
| Net charge-offs to loans | 0.0056% | 3,502 |
| Credit loss provision to net charge-offs | 5,400.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 165.5000% | 384 |
| Efficiency ratio | 83.6865% | 1,079 |
| Assets per employee ($millions) | 4.8180% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 1,732 |
| Loan loss allowance to noncurrent loans | 656.1404% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 4,789 |
| Noncurrent loans to loans | 0.2342% | 4,503 |
| Net loans and leases to total assets | 74.6178% | 1,714 |
| Net loans and leases to deposits | 83.0985% | 2,580 |
| Net loans and leases to core deposits | 97.9351% | 1,813 |
| Total domestic deposits to total assets | 89.7944% | 564 |
| Equity capital to assets | 9.8507% | 4,388 |
| Core capital (leverage) ratio | 10.1438% | 3,394 |
| Tier 1 risk-based capital ratio | 12.6521% | 4,419 |
| Total risk-based capital ratio | 13.9049% | 4,318 |
| Memoranda: | ||
| Average total assets | $91,161,330 | 4,599 |
| Average earning assets | $83,935,000 | 4,592 |
| Average equity | $9,323,000 | 4,772 |
| Average total loans | $71,806,670 | 4,046 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 1,596 |
| Cost of funding earning assets | 0.4656% | 2,418 |
| Net interest margin | 4.0039% | 1,601 |
| Noninterest income to average assets | 1.2285% | 715 |
| Noninterest expense to average assets | 3.8481% | 728 |
| Loan and lease loss provision to assets | 0.2439% | 731 |
| Net operating income to assets | 0.8265% | 3,116 |
| Return on assets (ROA) | 0.8265% | 3,243 |
| Pretax return on assets | 0.8265% | 4,116 |
| Return on Equity (ROE) | 7.9234% | 2,956 |
| Retained earnings to average equity (ytd only) | 7.9234% | 1,489 |
| Net charge-offs to loans | 0.0056% | 2,922 |
| Credit loss provision to net charge-offs | 5,400.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 262 |
| Efficiency ratio | 78.2369% | 1,864 |
| Assets per employee ($millions) | 4.4943% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 1,946 |
| Loan loss allowance to noncurrent loans | 26,725.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 5,661 |
| Noncurrent loans to loans | 0.0056% | 5,504 |
| Net loans and leases to total assets | 77.6370% | 1,148 |
| Net loans and leases to deposits | 86.9344% | 1,949 |
| Net loans and leases to core deposits | 99.7784% | 1,498 |
| Total domestic deposits to total assets | 89.3052% | 944 |
| Equity capital to assets | 10.4089% | 3,602 |
| Core capital (leverage) ratio | 10.5377% | 2,917 |
| Tier 1 risk-based capital ratio | 12.8256% | 4,378 |
| Total risk-based capital ratio | 14.0789% | 4,288 |
| Memoranda: | ||
| Average total assets | $88,562,500 | 4,685 |
| Average earning assets | $81,621,000 | 4,669 |
| Average equity | $9,238,500 | 4,805 |
| Average total loans | $71,198,500 | 4,089 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 786 |
| Cost of funding earning assets | 0.4718% | 2,420 |
| Net interest margin | 4.4195% | 762 |
| Noninterest income to average assets | 1.2270% | 794 |
| Noninterest expense to average assets | 4.3099% | 483 |
| Loan and lease loss provision to assets | 0.2752% | 667 |
| Net operating income to assets | 0.6767% | 3,919 |
| Return on assets (ROA) | 0.6767% | 4,020 |
| Pretax return on assets | 0.6767% | 4,595 |
| Return on Equity (ROE) | 6.4980% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.4980% | 1,546 |
| Net charge-offs to loans | 0.0389% | 3,448 |
| Credit loss provision to net charge-offs | 940.9091% | 364 |
| Earnings coverage of net charge-offs (x) | 32.5455% | 1,372 |
| Efficiency ratio | 81.9101% | 1,424 |
| Assets per employee ($millions) | 4.5916% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 2,326 |
| Loan loss allowance to noncurrent loans | 932.1101% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 5,099 |
| Noncurrent loans to loans | 0.1524% | 4,886 |
| Net loans and leases to total assets | 80.8436% | 731 |
| Net loans and leases to deposits | 90.6704% | 1,539 |
| Net loans and leases to core deposits | 113.8320% | 689 |
| Total domestic deposits to total assets | 89.1621% | 1,037 |
| Equity capital to assets | 10.4551% | 3,413 |
| Core capital (leverage) ratio | 10.4372% | 3,005 |
| Tier 1 risk-based capital ratio | 12.4911% | 4,640 |
| Total risk-based capital ratio | 13.7427% | 4,528 |
| Memoranda: | ||
| Average total assets | $75,222,800 | 4,965 |
| Average earning assets | $68,672,600 | 4,965 |
| Average equity | $7,833,200 | 5,092 |
| Average total loans | $56,603,200 | 4,480 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 653 |
| Cost of funding earning assets | 0.4846% | 2,369 |
| Net interest margin | 4.4951% | 662 |
| Noninterest income to average assets | 1.0837% | 1,025 |
| Noninterest expense to average assets | 4.3312% | 470 |
| Loan and lease loss provision to assets | 0.2363% | 756 |
| Net operating income to assets | 0.6092% | 4,340 |
| Return on assets (ROA) | 0.6092% | 4,443 |
| Pretax return on assets | 0.6092% | 4,955 |
| Return on Equity (ROE) | 5.8577% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.8577% | 2,336 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6662% | 1,205 |
| Assets per employee ($millions) | 4.8068% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 2,821 |
| Loan loss allowance to noncurrent loans | 2,737.1429% | 255 |
| Noncurrent assets plus other real estate owned to assets | 1.0552% | 2,244 |
| Noncurrent loans to loans | 0.0495% | 5,416 |
| Net loans and leases to total assets | 80.5714% | 738 |
| Net loans and leases to deposits | 90.1720% | 1,623 |
| Net loans and leases to core deposits | 113.7505% | 681 |
| Total domestic deposits to total assets | 89.3530% | 836 |
| Equity capital to assets | 10.3569% | 3,751 |
| Core capital (leverage) ratio | 10.1459% | 3,442 |
| Tier 1 risk-based capital ratio | 12.5028% | 4,758 |
| Total risk-based capital ratio | 13.7542% | 4,655 |
| Memoranda: | ||
| Average total assets | $72,218,500 | 5,096 |
| Average earning assets | $65,758,750 | 5,108 |
| Average equity | $7,511,250 | 5,207 |
| Average total loans | $52,868,000 | 4,636 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1223% | 480 |
| Cost of funding earning assets | 0.5015% | 2,239 |
| Net interest margin | 4.6208% | 515 |
| Noninterest income to average assets | 0.5515% | 3,031 |
| Noninterest expense to average assets | 4.4803% | 429 |
| Loan and lease loss provision to assets | 0.2520% | 692 |
| Net operating income to assets | 0.0267% | 5,964 |
| Return on assets (ROA) | 0.0267% | 6,004 |
| Pretax return on assets | 0.0267% | 5,995 |
| Return on Equity (ROE) | 0.2561% | 5,995 |
| Retained earnings to average equity (ytd only) | 0.2561% | 5,426 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1433% | 513 |
| Assets per employee ($millions) | 4.8442% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 2,978 |
| Loan loss allowance to noncurrent loans | 99.3492% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0574% | 2,390 |
| Noncurrent loans to loans | 1.3600% | 1,986 |
| Net loans and leases to total assets | 76.6985% | 1,274 |
| Net loans and leases to deposits | 85.1450% | 2,157 |
| Net loans and leases to core deposits | 110.0293% | 832 |
| Total domestic deposits to total assets | 90.0798% | 626 |
| Equity capital to assets | 9.8651% | 4,194 |
| Core capital (leverage) ratio | 9.9743% | 3,642 |
| Tier 1 risk-based capital ratio | 12.4757% | 4,827 |
| Total risk-based capital ratio | 13.7260% | 4,738 |
| Memoranda: | ||
| Average total assets | $67,450,670 | 5,265 |
| Average earning assets | $61,418,000 | 5,266 |
| Average equity | $7,028,000 | 5,352 |
| Average total loans | $46,934,000 | 4,856 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8974% | 145 |
| Cost of funding earning assets | 0.5108% | 2,194 |
| Net interest margin | 5.3866% | 140 |
| Noninterest income to average assets | 0.4932% | 3,326 |
| Noninterest expense to average assets | 5.2728% | 249 |
| Loan and lease loss provision to assets | 0.2987% | 490 |
| Net operating income to assets | -0.2431% | 6,167 |
| Return on assets (ROA) | -0.2431% | 6,188 |
| Pretax return on assets | -0.2431% | 6,173 |
| Return on Equity (ROE) | -2.2432% | 6,182 |
| Retained earnings to average equity (ytd only) | -2.2432% | 5,710 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9570% | 397 |
| Assets per employee ($millions) | 4.8341% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 3,136 |
| Loan loss allowance to noncurrent loans | 50.0573% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 2.0066% | 1,178 |
| Noncurrent loans to loans | 2.7022% | 871 |
| Net loans and leases to total assets | 73.2537% | 1,608 |
| Net loans and leases to deposits | 81.3978% | 2,396 |
| Net loans and leases to core deposits | 105.2440% | 989 |
| Total domestic deposits to total assets | 89.9947% | 749 |
| Equity capital to assets | 9.9053% | 4,263 |
| Core capital (leverage) ratio | 11.5682% | 1,949 |
| Tier 1 risk-based capital ratio | 12.9784% | 4,616 |
| Total risk-based capital ratio | 14.2285% | 4,533 |
| Memoranda: | ||
| Average total assets | $57,578,000 | 5,553 |
| Average earning assets | $51,683,500 | 5,574 |
| Average equity | $6,241,000 | 5,544 |
| Average total loans | $36,504,000 | 5,274 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4654% | 6,490 |
| Cost of funding earning assets | 0.0345% | 6,450 |
| Net interest margin | 0.4310% | 6,490 |
| Noninterest income to average assets | 0.2438% | 5,380 |
| Noninterest expense to average assets | 0.4322% | 6,488 |
| Loan and lease loss provision to assets | 0.1773% | 1,454 |
| Net operating income to assets | 0.0037% | 6,086 |
| Return on assets (ROA) | 0.0037% | 6,108 |
| Pretax return on assets | 0.0037% | 6,092 |
| Return on Equity (ROE) | 0.0422% | 6,108 |
| Retained earnings to average equity (ytd only) | 0.0422% | 5,747 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4819% | 3,459 |
| Assets per employee ($millions) | 4.6903% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5719% | 6,182 |
| Loan loss allowance to noncurrent loans | 96.0000% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.6772% | 1,605 |
| Noncurrent loans to loans | 0.5957% | 3,883 |
| Net loans and leases to total assets | 29.6532% | 6,185 |
| Net loans and leases to deposits | 34.4251% | 6,212 |
| Net loans and leases to core deposits | 35.4037% | 6,213 |
| Total domestic deposits to total assets | 86.1382% | 2,760 |
| Equity capital to assets | 13.7268% | 1,061 |
| Core capital (leverage) ratio | 14.2549% | 759 |
| Tier 1 risk-based capital ratio | 42.0638% | 210 |
| Total risk-based capital ratio | 42.5814% | 215 |
| Memoranda: | ||
| Average total assets | $27,071,800 | 6,312 |
| Average earning assets | $23,203,600 | 6,312 |
| Average equity | $2,372,000 | 6,363 |
| Average total loans | $9,389,800 | 6,332 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9822% | 6,150 |
| Cost of funding earning assets | 0.1918% | 5,895 |
| Net interest margin | 2.7904% | 5,883 |
| Noninterest income to average assets | 0.4626% | 3,792 |
| Noninterest expense to average assets | 2.8055% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0448% | 6,094 |
| Return on assets (ROA) | 0.0448% | 6,121 |
| Pretax return on assets | 0.0448% | 6,116 |
| Return on Equity (ROE) | 0.6002% | 6,087 |
| Retained earnings to average equity (ytd only) | 0.6002% | 5,626 |
| Net charge-offs to loans | 0.0277% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.4944% | 3,445 |
| Efficiency ratio | 98.4293% | 419 |
| Assets per employee ($millions) | 3.3204% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3939% | 249 |
| Loan loss allowance to noncurrent loans | 48.1250% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 6.6408% | 193 |
| Noncurrent loans to loans | 7.0523% | 162 |
| Net loans and leases to total assets | 33.0046% | 6,151 |
| Net loans and leases to deposits | 35.8144% | 6,248 |
| Net loans and leases to core deposits | 36.8207% | 6,264 |
| Total domestic deposits to total assets | 92.1545% | 139 |
| Equity capital to assets | 7.6949% | 6,247 |
| Core capital (leverage) ratio | 7.7645% | 6,182 |
| Tier 1 risk-based capital ratio | 19.9110% | 1,697 |
| Total risk-based capital ratio | 21.1778% | 1,665 |
| Memoranda: | ||
| Average total assets | $26,804,250 | 6,391 |
| Average earning assets | $22,935,250 | 6,392 |
| Average equity | $1,999,250 | 6,475 |
| Average total loans | $9,639,000 | 6,396 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9874% | 6,191 |
| Cost of funding earning assets | 0.1905% | 5,997 |
| Net interest margin | 2.7969% | 5,916 |
| Noninterest income to average assets | 0.4910% | 3,542 |
| Noninterest expense to average assets | 2.8566% | 3,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0372% | 6,151 |
| Return on assets (ROA) | 0.0372% | 6,177 |
| Pretax return on assets | 0.0372% | 6,164 |
| Return on Equity (ROE) | 0.5039% | 6,150 |
| Retained earnings to average equity (ytd only) | 0.5039% | 5,540 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7147% | 436 |
| Assets per employee ($millions) | 3.9043% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1831% | 312 |
| Loan loss allowance to noncurrent loans | 49.5208% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 6.4032% | 219 |
| Noncurrent loans to loans | 6.4278% | 221 |
| Net loans and leases to total assets | 34.5005% | 6,130 |
| Net loans and leases to deposits | 37.3381% | 6,247 |
| Net loans and leases to core deposits | 38.3527% | 6,263 |
| Total domestic deposits to total assets | 92.4003% | 127 |
| Equity capital to assets | 7.5009% | 6,348 |
| Core capital (leverage) ratio | 7.5767% | 6,287 |
| Tier 1 risk-based capital ratio | 18.8313% | 1,962 |
| Total risk-based capital ratio | 20.1044% | 1,924 |
| Memoranda: | ||
| Average total assets | $26,884,670 | 6,452 |
| Average earning assets | $23,097,000 | 6,457 |
| Average equity | $1,984,330 | 6,537 |
| Average total loans | $9,827,000 | 6,456 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9798% | 6,260 |
| Cost of funding earning assets | 0.2091% | 5,928 |
| Net interest margin | 2.7707% | 5,997 |
| Noninterest income to average assets | 0.4801% | 3,565 |
| Noninterest expense to average assets | 3.0755% | 2,599 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2100% | 6,361 |
| Return on assets (ROA) | -0.2100% | 6,364 |
| Pretax return on assets | -0.2100% | 6,350 |
| Return on Equity (ROE) | -2.8696% | 6,402 |
| Retained earnings to average equity (ytd only) | -2.8696% | 5,952 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.3298% | 309 |
| Assets per employee ($millions) | 3.4258% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1893% | 362 |
| Loan loss allowance to noncurrent loans | 50.5710% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 6.8160% | 227 |
| Noncurrent loans to loans | 6.3066% | 273 |
| Net loans and leases to total assets | 34.3355% | 6,163 |
| Net loans and leases to deposits | 37.0400% | 6,283 |
| Net loans and leases to core deposits | 38.0417% | 6,312 |
| Total domestic deposits to total assets | 92.6987% | 147 |
| Equity capital to assets | 7.2137% | 6,401 |
| Core capital (leverage) ratio | 7.6392% | 6,292 |
| Tier 1 risk-based capital ratio | 18.9872% | 1,976 |
| Total risk-based capital ratio | 20.2555% | 1,932 |
| Memoranda: | ||
| Average total assets | $26,662,000 | 6,524 |
| Average earning assets | $22,954,500 | 6,529 |
| Average equity | $1,951,500 | 6,607 |
| Average total loans | $9,871,000 | 6,522 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0880% | 6,257 |
| Cost of funding earning assets | 0.2796% | 5,763 |
| Net interest margin | 2.8084% | 5,966 |
| Noninterest income to average assets | -0.0571% | 6,699 |
| Noninterest expense to average assets | 2.7543% | 3,892 |
| Loan and lease loss provision to assets | 0.4032% | 738 |
| Net operating income to assets | -0.7778% | 6,562 |
| Return on assets (ROA) | -1.0917% | 6,622 |
| Pretax return on assets | -1.0917% | 6,610 |
| Return on Equity (ROE) | -14.1131% | 6,630 |
| Retained earnings to average equity (ytd only) | -14.1131% | 6,602 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.7421% | 207 |
| Assets per employee ($millions) | 3.2398% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0932% | 422 |
| Loan loss allowance to noncurrent loans | 50.5710% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 7.2073% | 229 |
| Noncurrent loans to loans | 6.1165% | 331 |
| Net loans and leases to total assets | 37.4720% | 6,130 |
| Net loans and leases to deposits | 40.5291% | 6,282 |
| Net loans and leases to core deposits | 41.6878% | 6,318 |
| Total domestic deposits to total assets | 92.4570% | 202 |
| Equity capital to assets | 7.4311% | 6,315 |
| Core capital (leverage) ratio | 7.6433% | 6,325 |
| Tier 1 risk-based capital ratio | 18.4918% | 2,084 |
| Total risk-based capital ratio | 19.7637% | 2,046 |
| Memoranda: | ||
| Average total assets | $28,028,600 | 6,559 |
| Average earning assets | $24,320,200 | 6,570 |
| Average equity | $2,168,200 | 6,665 |
| Average total loans | $9,938,600 | 6,594 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0496% | 6,372 |
| Cost of funding earning assets | 0.2899% | 5,813 |
| Net interest margin | 2.7597% | 6,080 |
| Noninterest income to average assets | -0.1541% | 6,822 |
| Noninterest expense to average assets | 2.5913% | 4,419 |
| Loan and lease loss provision to assets | 0.4809% | 579 |
| Net operating income to assets | -0.8264% | 6,682 |
| Return on assets (ROA) | -1.2373% | 6,736 |
| Pretax return on assets | -1.2373% | 6,727 |
| Return on Equity (ROE) | -15.8528% | 6,739 |
| Retained earnings to average equity (ytd only) | -15.8528% | 6,716 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.3846% | 210 |
| Assets per employee ($millions) | 3.0569% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9857% | 561 |
| Loan loss allowance to noncurrent loans | 48.9396% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 6.8479% | 308 |
| Noncurrent loans to loans | 6.1007% | 412 |
| Net loans and leases to total assets | 35.4318% | 6,305 |
| Net loans and leases to deposits | 38.3071% | 6,435 |
| Net loans and leases to core deposits | 39.3334% | 6,469 |
| Total domestic deposits to total assets | 92.4942% | 184 |
| Equity capital to assets | 7.3532% | 6,441 |
| Core capital (leverage) ratio | 7.4735% | 6,454 |
| Tier 1 risk-based capital ratio | 18.5702% | 2,119 |
| Total risk-based capital ratio | 19.8401% | 2,085 |
| Memoranda: | ||
| Average total assets | $28,556,250 | 6,625 |
| Average earning assets | $24,833,000 | 6,632 |
| Average equity | $2,228,750 | 6,739 |
| Average total loans | $9,917,750 | 6,665 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0194% | 6,430 |
| Cost of funding earning assets | 0.3004% | 5,828 |
| Net interest margin | 2.7190% | 6,149 |
| Noninterest income to average assets | -0.4359% | 6,901 |
| Noninterest expense to average assets | 2.5117% | 4,683 |
| Loan and lease loss provision to assets | 0.7127% | 318 |
| Net operating income to assets | -1.2801% | 6,785 |
| Return on assets (ROA) | -1.4116% | 6,806 |
| Pretax return on assets | -1.4116% | 6,796 |
| Return on Equity (ROE) | -17.7597% | 6,813 |
| Retained earnings to average equity (ytd only) | -17.7597% | 6,783 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.1815% | 133 |
| Assets per employee ($millions) | 3.3231% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1078% | 526 |
| Loan loss allowance to noncurrent loans | 44.1176% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 6.5267% | 383 |
| Noncurrent loans to loans | 7.0444% | 340 |
| Net loans and leases to total assets | 31.2726% | 6,534 |
| Net loans and leases to deposits | 33.5257% | 6,627 |
| Net loans and leases to core deposits | 34.3444% | 6,643 |
| Total domestic deposits to total assets | 93.2794% | 103 |
| Equity capital to assets | 6.5802% | 6,670 |
| Core capital (leverage) ratio | 7.4217% | 6,488 |
| Tier 1 risk-based capital ratio | 19.2538% | 1,923 |
| Total risk-based capital ratio | 20.5243% | 1,885 |
| Memoranda: | ||
| Average total assets | $28,904,330 | 6,672 |
| Average earning assets | $25,303,000 | 6,671 |
| Average equity | $2,297,330 | 6,779 |
| Average total loans | $9,874,330 | 6,715 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1099% | 6,391 |
| Cost of funding earning assets | 0.3094% | 5,898 |
| Net interest margin | 2.8006% | 6,035 |
| Noninterest income to average assets | -0.3098% | 6,970 |
| Noninterest expense to average assets | 2.8026% | 3,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.6901% | 6,734 |
| Return on assets (ROA) | -0.6337% | 6,739 |
| Pretax return on assets | -0.6337% | 6,713 |
| Return on Equity (ROE) | -7.3111% | 6,748 |
| Retained earnings to average equity (ytd only) | -7.3111% | 6,492 |
| Net charge-offs to loans | -0.1202% | 6,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.6667% | 135 |
| Assets per employee ($millions) | 3.2570% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0379% | 1,948 |
| Loan loss allowance to noncurrent loans | 29.4118% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 6.9218% | 411 |
| Noncurrent loans to loans | 6.9289% | 431 |
| Net loans and leases to total assets | 32.7977% | 6,476 |
| Net loans and leases to deposits | 35.8277% | 6,578 |
| Net loans and leases to core deposits | 36.7381% | 6,600 |
| Total domestic deposits to total assets | 91.5430% | 344 |
| Equity capital to assets | 8.2625% | 6,212 |
| Core capital (leverage) ratio | 8.1276% | 6,019 |
| Tier 1 risk-based capital ratio | 20.1993% | 1,720 |
| Total risk-based capital ratio | 21.4579% | 1,692 |
| Memoranda: | ||
| Average total assets | $28,402,500 | 6,749 |
| Average earning assets | $24,566,500 | 6,758 |
| Average equity | $2,462,000 | 6,821 |
| Average total loans | $9,985,000 | 6,772 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3495% | 6,541 |
| Cost of funding earning assets | 0.3842% | 6,021 |
| Net interest margin | 2.9654% | 6,107 |
| Noninterest income to average assets | -0.2040% | 6,961 |
| Noninterest expense to average assets | 2.8105% | 3,982 |
| Loan and lease loss provision to assets | 0.6437% | 831 |
| Net operating income to assets | -1.0518% | 6,759 |
| Return on assets (ROA) | -1.0518% | 6,777 |
| Pretax return on assets | -1.0518% | 6,746 |
| Return on Equity (ROE) | -11.7044% | 6,758 |
| Retained earnings to average equity (ytd only) | -11.7044% | 6,689 |
| Net charge-offs to loans | 3.8500% | 80 |
| Credit loss provision to net charge-offs | 44.3099% | 4,831 |
| Earnings coverage of net charge-offs (x) | -0.2809% | 5,609 |
| Efficiency ratio | 116.9839% | 237 |
| Assets per employee ($millions) | 3.0547% | 5,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9397% | 2,174 |
| Loan loss allowance to noncurrent loans | 28.9706% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 7.5767% | 393 |
| Noncurrent loans to loans | 6.6955% | 486 |
| Net loans and leases to total assets | 36.2251% | 6,418 |
| Net loans and leases to deposits | 39.9639% | 6,551 |
| Net loans and leases to core deposits | 41.0511% | 6,576 |
| Total domestic deposits to total assets | 90.6446% | 639 |
| Equity capital to assets | 9.1008% | 5,400 |
| Core capital (leverage) ratio | 8.5757% | 5,497 |
| Tier 1 risk-based capital ratio | 20.3472% | 1,595 |
| Total risk-based capital ratio | 21.5994% | 1,567 |
| Memoranda: | ||
| Average total assets | $28,428,600 | 6,794 |
| Average earning assets | $24,988,600 | 6,787 |
| Average equity | $2,554,600 | 6,870 |
| Average total loans | $10,727,400 | 6,817 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3572% | 6,670 |
| Cost of funding earning assets | 0.3978% | 6,134 |
| Net interest margin | 2.9594% | 6,254 |
| Noninterest income to average assets | -0.4187% | 7,118 |
| Noninterest expense to average assets | 2.8096% | 3,952 |
| Loan and lease loss provision to assets | 0.8512% | 542 |
| Net operating income to assets | -1.4839% | 6,966 |
| Return on assets (ROA) | -1.4839% | 6,976 |
| Pretax return on assets | -1.4839% | 6,954 |
| Return on Equity (ROE) | -16.5639% | 6,952 |
| Retained earnings to average equity (ytd only) | -16.5639% | 6,932 |
| Net charge-offs to loans | 5.2006% | 34 |
| Credit loss provision to net charge-offs | 43.1604% | 4,549 |
| Earnings coverage of net charge-offs (x) | -0.3208% | 5,453 |
| Efficiency ratio | 129.0598% | 155 |
| Assets per employee ($millions) | 3.1313% | 5,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 2,735 |
| Loan loss allowance to noncurrent loans | 27.2727% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 7.3983% | 458 |
| Noncurrent loans to loans | 6.6654% | 566 |
| Net loans and leases to total assets | 35.6469% | 6,570 |
| Net loans and leases to deposits | 39.2407% | 6,709 |
| Net loans and leases to core deposits | 40.2791% | 6,729 |
| Total domestic deposits to total assets | 90.8417% | 457 |
| Equity capital to assets | 8.8745% | 5,950 |
| Core capital (leverage) ratio | 8.4026% | 5,890 |
| Tier 1 risk-based capital ratio | 19.8319% | 1,801 |
| Total risk-based capital ratio | 21.0884% | 1,773 |
| Memoranda: | ||
| Average total assets | $28,662,750 | 6,869 |
| Average earning assets | $25,139,750 | 6,874 |
| Average equity | $2,567,750 | 6,955 |
| Average total loans | $10,870,250 | 6,904 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3824% | 6,740 |
| Cost of funding earning assets | 0.4168% | 6,182 |
| Net interest margin | 2.9657% | 6,306 |
| Noninterest income to average assets | 0.5065% | 3,886 |
| Noninterest expense to average assets | 4.2952% | 654 |
| Loan and lease loss provision to assets | 0.4094% | 1,602 |
| Net operating income to assets | -1.6306% | 7,035 |
| Return on assets (ROA) | -1.6306% | 7,046 |
| Pretax return on assets | -1.6306% | 7,024 |
| Return on Equity (ROE) | -18.1467% | 7,015 |
| Retained earnings to average equity (ytd only) | -18.1467% | 6,989 |
| Net charge-offs to loans | 2.0031% | 416 |
| Credit loss provision to net charge-offs | 53.1532% | 3,974 |
| Earnings coverage of net charge-offs (x) | -1.5856% | 5,358 |
| Efficiency ratio | 139.7291% | 123 |
| Assets per employee ($millions) | 3.2317% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5559% | 474 |
| Loan loss allowance to noncurrent loans | 27.4123% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 8.1898% | 412 |
| Noncurrent loans to loans | 12.9717% | 142 |
| Net loans and leases to total assets | 34.9699% | 6,669 |
| Net loans and leases to deposits | 38.4479% | 6,785 |
| Net loans and leases to core deposits | 39.4301% | 6,815 |
| Total domestic deposits to total assets | 90.9541% | 465 |
| Equity capital to assets | 8.8052% | 5,906 |
| Core capital (leverage) ratio | 8.3699% | 5,828 |
| Tier 1 risk-based capital ratio | 20.8837% | 1,506 |
| Total risk-based capital ratio | 22.1609% | 1,470 |
| Memoranda: | ||
| Average total assets | $28,823,000 | 6,919 |
| Average earning assets | $24,952,330 | 6,932 |
| Average equity | $2,590,000 | 6,995 |
| Average total loans | $11,083,000 | 6,959 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 6,664 |
| Cost of funding earning assets | 0.4470% | 6,164 |
| Net interest margin | 3.0790% | 6,110 |
| Noninterest income to average assets | 0.5576% | 3,516 |
| Noninterest expense to average assets | 6.0226% | 207 |
| Loan and lease loss provision to assets | 0.8225% | 586 |
| Net operating income to assets | -3.6944% | 7,249 |
| Return on assets (ROA) | -3.6944% | 7,250 |
| Pretax return on assets | -3.6944% | 7,239 |
| Return on Equity (ROE) | -40.6988% | 7,203 |
| Retained earnings to average equity (ytd only) | -40.6988% | 7,188 |
| Net charge-offs to loans | 7.3294% | 41 |
| Credit loss provision to net charge-offs | 28.3654% | 3,650 |
| Earnings coverage of net charge-offs (x) | -0.9904% | 4,551 |
| Efficiency ratio | 191.1504% | 46 |
| Assets per employee ($millions) | 3.3464% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6086% | 1,213 |
| Loan loss allowance to noncurrent loans | 21.4011% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 7.6798% | 520 |
| Noncurrent loans to loans | 12.1892% | 195 |
| Net loans and leases to total assets | 34.4611% | 6,714 |
| Net loans and leases to deposits | 37.6187% | 6,838 |
| Net loans and leases to core deposits | 38.5407% | 6,866 |
| Total domestic deposits to total assets | 91.6063% | 345 |
| Equity capital to assets | 8.1845% | 6,371 |
| Core capital (leverage) ratio | 8.1866% | 6,044 |
| Tier 1 risk-based capital ratio | 20.4186% | 1,613 |
| Total risk-based capital ratio | 21.6830% | 1,581 |
| Memoranda: | ||
| Average total assets | $28,692,000 | 6,985 |
| Average earning assets | $24,163,500 | 7,013 |
| Average equity | $2,604,500 | 7,043 |
| Average total loans | $11,351,500 | 7,007 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 5,342 |
| Cost of funding earning assets | 0.7885% | 4,948 |
| Net interest margin | 3.6319% | 4,604 |
| Noninterest income to average assets | 0.7528% | 2,326 |
| Noninterest expense to average assets | 3.4751% | 2,053 |
| Loan and lease loss provision to assets | 1.0418% | 900 |
| Net operating income to assets | -1.0525% | 6,764 |
| Return on assets (ROA) | -1.0276% | 6,771 |
| Pretax return on assets | -1.0276% | 6,742 |
| Return on Equity (ROE) | -10.0474% | 6,744 |
| Retained earnings to average equity (ytd only) | -10.0474% | 6,706 |
| Net charge-offs to loans | 1.0613% | 1,631 |
| Credit loss provision to net charge-offs | 211.5942% | 1,165 |
| Earnings coverage of net charge-offs (x) | -0.0217% | 5,841 |
| Efficiency ratio | 100.3090% | 660 |
| Assets per employee ($millions) | 3.0296% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5447% | 517 |
| Loan loss allowance to noncurrent loans | 23.0437% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 11.7032% | 226 |
| Noncurrent loans to loans | 15.3827% | 123 |
| Net loans and leases to total assets | 42.6135% | 6,329 |
| Net loans and leases to deposits | 47.5001% | 6,530 |
| Net loans and leases to core deposits | 48.2978% | 6,622 |
| Total domestic deposits to total assets | 89.7125% | 1,152 |
| Equity capital to assets | 10.0638% | 4,082 |
| Core capital (leverage) ratio | 9.7363% | 3,695 |
| Tier 1 risk-based capital ratio | 21.4286% | 1,336 |
| Total risk-based capital ratio | 22.7119% | 1,297 |
| Memoranda: | ||
| Average total assets | $28,027,800 | 7,025 |
| Average earning assets | $20,925,600 | 7,127 |
| Average equity | $2,866,400 | 7,037 |
| Average total loans | $13,002,800 | 6,995 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 5,569 |
| Cost of funding earning assets | 0.8369% | 4,883 |
| Net interest margin | 3.5759% | 4,865 |
| Noninterest income to average assets | 0.5717% | 3,369 |
| Noninterest expense to average assets | 3.4445% | 2,091 |
| Loan and lease loss provision to assets | 0.4630% | 2,140 |
| Net operating income to assets | -0.6709% | 6,744 |
| Return on assets (ROA) | -0.6709% | 6,777 |
| Pretax return on assets | -0.6709% | 6,723 |
| Return on Equity (ROE) | -6.5354% | 6,744 |
| Retained earnings to average equity (ytd only) | -6.5354% | 6,673 |
| Net charge-offs to loans | 1.3895% | 1,088 |
| Credit loss provision to net charge-offs | 71.0145% | 4,452 |
| Earnings coverage of net charge-offs (x) | -0.3189% | 5,773 |
| Efficiency ratio | 106.4234% | 494 |
| Assets per employee ($millions) | 3.0651% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 2,724 |
| Loan loss allowance to noncurrent loans | 12.5539% | 6,861 |
| Noncurrent assets plus other real estate owned to assets | 12.6368% | 202 |
| Noncurrent loans to loans | 14.8766% | 140 |
| Net loans and leases to total assets | 44.3812% | 6,299 |
| Net loans and leases to deposits | 49.7663% | 6,514 |
| Net loans and leases to core deposits | 50.5972% | 6,643 |
| Total domestic deposits to total assets | 89.1793% | 1,314 |
| Equity capital to assets | 10.5525% | 3,641 |
| Core capital (leverage) ratio | 10.0716% | 3,345 |
| Tier 1 risk-based capital ratio | 20.7928% | 1,497 |
| Total risk-based capital ratio | 22.0474% | 1,471 |
| Memoranda: | ||
| Average total assets | $28,218,250 | 7,090 |
| Average earning assets | $21,029,250 | 7,200 |
| Average equity | $2,897,000 | 7,095 |
| Average total loans | $13,242,000 | 7,051 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 5,834 |
| Cost of funding earning assets | 0.9017% | 4,652 |
| Net interest margin | 3.4550% | 5,343 |
| Noninterest income to average assets | 0.5909% | 3,193 |
| Noninterest expense to average assets | 3.7497% | 1,446 |
| Loan and lease loss provision to assets | 0.6894% | 1,380 |
| Net operating income to assets | -1.2874% | 7,031 |
| Return on assets (ROA) | -1.2874% | 7,039 |
| Pretax return on assets | -1.2874% | 6,991 |
| Return on Equity (ROE) | -12.6542% | 7,002 |
| Retained earnings to average equity (ytd only) | -12.6542% | 6,963 |
| Net charge-offs to loans | 2.0448% | 649 |
| Credit loss provision to net charge-offs | 71.0145% | 4,035 |
| Earnings coverage of net charge-offs (x) | -0.6159% | 5,558 |
| Efficiency ratio | 118.9732% | 354 |
| Assets per employee ($millions) | 3.2057% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 2,940 |
| Loan loss allowance to noncurrent loans | 15.0907% | 6,859 |
| Noncurrent assets plus other real estate owned to assets | 11.0014% | 310 |
| Noncurrent loans to loans | 12.0230% | 253 |
| Net loans and leases to total assets | 43.7039% | 6,460 |
| Net loans and leases to deposits | 48.6196% | 6,691 |
| Net loans and leases to core deposits | 49.3890% | 6,790 |
| Total domestic deposits to total assets | 89.8894% | 1,024 |
| Equity capital to assets | 9.8333% | 4,354 |
| Core capital (leverage) ratio | 9.6968% | 3,662 |
| Tier 1 risk-based capital ratio | 20.1622% | 1,581 |
| Total risk-based capital ratio | 21.4187% | 1,556 |
| Memoranda: | ||
| Average total assets | $28,429,000 | 7,149 |
| Average earning assets | $21,070,670 | 7,269 |
| Average equity | $2,892,330 | 7,156 |
| Average total loans | $13,497,330 | 7,109 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 5,800 |
| Cost of funding earning assets | 0.9831% | 4,323 |
| Net interest margin | 3.3843% | 5,489 |
| Noninterest income to average assets | 0.6095% | 3,098 |
| Noninterest expense to average assets | 3.6431% | 1,668 |
| Loan and lease loss provision to assets | 0.4253% | 2,060 |
| Net operating income to assets | -0.9214% | 7,020 |
| Return on assets (ROA) | -0.9214% | 7,020 |
| Pretax return on assets | -0.9214% | 6,969 |
| Return on Equity (ROE) | -8.9041% | 6,992 |
| Retained earnings to average equity (ytd only) | -8.9041% | 6,812 |
| Net charge-offs to loans | 1.5624% | 868 |
| Credit loss provision to net charge-offs | 55.5556% | 3,635 |
| Earnings coverage of net charge-offs (x) | -0.6481% | 4,833 |
| Efficiency ratio | 115.7658% | 398 |
| Assets per employee ($millions) | 3.2389% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 2,829 |
| Loan loss allowance to noncurrent loans | 11.7647% | 6,985 |
| Noncurrent assets plus other real estate owned to assets | 13.0943% | 207 |
| Noncurrent loans to loans | 15.8028% | 132 |
| Net loans and leases to total assets | 45.2727% | 6,352 |
| Net loans and leases to deposits | 50.4164% | 6,595 |
| Net loans and leases to core deposits | 51.2067% | 6,721 |
| Total domestic deposits to total assets | 89.7976% | 1,287 |
| Equity capital to assets | 9.9108% | 3,887 |
| Core capital (leverage) ratio | 9.7431% | 3,461 |
| Tier 1 risk-based capital ratio | 20.9583% | 1,404 |
| Total risk-based capital ratio | 22.2182% | 1,380 |
| Memoranda: | ||
| Average total assets | $28,218,000 | 7,207 |
| Average earning assets | $21,156,500 | 7,317 |
| Average equity | $2,920,000 | 7,191 |
| Average total loans | $13,825,000 | 7,148 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 6,853 |
| Cost of funding earning assets | 1.0720% | 5,301 |
| Net interest margin | 3.1819% | 6,307 |
| Noninterest income to average assets | 0.7350% | 2,622 |
| Noninterest expense to average assets | 2.6576% | 5,186 |
| Loan and lease loss provision to assets | 0.5395% | 2,992 |
| Net operating income to assets | 0.2462% | 5,120 |
| Return on assets (ROA) | 0.2462% | 5,274 |
| Pretax return on assets | 0.2462% | 5,367 |
| Return on Equity (ROE) | 2.3112% | 5,258 |
| Retained earnings to average equity (ytd only) | 2.3112% | 4,258 |
| Net charge-offs to loans | 0.8650% | 2,466 |
| Credit loss provision to net charge-offs | 118.2540% | 3,601 |
| Earnings coverage of net charge-offs (x) | 1.7222% | 4,430 |
| Efficiency ratio | 77.1819% | 2,843 |
| Assets per employee ($millions) | 3.0318% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 2,494 |
| Loan loss allowance to noncurrent loans | 12.5691% | 7,049 |
| Noncurrent assets plus other real estate owned to assets | 12.3690% | 260 |
| Noncurrent loans to loans | 15.2925% | 157 |
| Net loans and leases to total assets | 51.0518% | 6,040 |
| Net loans and leases to deposits | 57.4765% | 6,309 |
| Net loans and leases to core deposits | 58.4337% | 6,522 |
| Total domestic deposits to total assets | 88.8221% | 1,757 |
| Equity capital to assets | 10.8151% | 2,843 |
| Core capital (leverage) ratio | 10.6165% | 2,448 |
| Tier 1 risk-based capital ratio | 20.8369% | 1,343 |
| Total risk-based capital ratio | 22.0971% | 1,322 |
| Memoranda: | ||
| Average total assets | $27,618,800 | 7,272 |
| Average earning assets | $23,508,200 | 7,306 |
| Average equity | $2,942,200 | 7,289 |
| Average total loans | $14,566,400 | 7,182 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2775% | 6,993 |
| Cost of funding earning assets | 1.0861% | 5,510 |
| Net interest margin | 3.1915% | 6,372 |
| Noninterest income to average assets | 0.7364% | 2,600 |
| Noninterest expense to average assets | 2.6760% | 4,979 |
| Loan and lease loss provision to assets | 0.7171% | 2,130 |
| Net operating income to assets | 0.1011% | 5,776 |
| Return on assets (ROA) | 0.1011% | 5,922 |
| Pretax return on assets | 0.1011% | 5,912 |
| Return on Equity (ROE) | 0.9524% | 5,904 |
| Retained earnings to average equity (ytd only) | 0.9524% | 5,424 |
| Net charge-offs to loans | 1.1735% | 1,740 |
| Credit loss provision to net charge-offs | 115.5039% | 3,611 |
| Earnings coverage of net charge-offs (x) | 1.3178% | 4,759 |
| Efficiency ratio | 76.5840% | 2,837 |
| Assets per employee ($millions) | 3.0172% | 6,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 2,609 |
| Loan loss allowance to noncurrent loans | 16.5543% | 7,026 |
| Noncurrent assets plus other real estate owned to assets | 10.3922% | 372 |
| Noncurrent loans to loans | 11.2119% | 334 |
| Net loans and leases to total assets | 52.5760% | 6,030 |
| Net loans and leases to deposits | 59.2628% | 6,366 |
| Net loans and leases to core deposits | 60.2558% | 6,582 |
| Total domestic deposits to total assets | 88.7166% | 1,553 |
| Equity capital to assets | 10.9041% | 3,048 |
| Core capital (leverage) ratio | 10.4439% | 2,749 |
| Tier 1 risk-based capital ratio | 17.7953% | 2,078 |
| Total risk-based capital ratio | 19.0488% | 2,044 |
| Memoranda: | ||
| Average total assets | $27,702,000 | 7,365 |
| Average earning assets | $23,938,250 | 7,381 |
| Average equity | $2,940,000 | 7,389 |
| Average total loans | $14,657,250 | 7,277 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 7,222 |
| Cost of funding earning assets | 1.0952% | 5,699 |
| Net interest margin | 3.0632% | 6,696 |
| Noninterest income to average assets | 0.7961% | 2,138 |
| Noninterest expense to average assets | 2.6825% | 4,982 |
| Loan and lease loss provision to assets | 1.0687% | 1,350 |
| Net operating income to assets | -0.2869% | 6,461 |
| Return on assets (ROA) | -0.2869% | 6,509 |
| Pretax return on assets | -0.2869% | 6,417 |
| Return on Equity (ROE) | -2.7276% | 6,491 |
| Retained earnings to average equity (ytd only) | -2.7276% | 6,257 |
| Net charge-offs to loans | 1.7558% | 1,066 |
| Credit loss provision to net charge-offs | 115.5039% | 3,513 |
| Earnings coverage of net charge-offs (x) | 0.8450% | 4,928 |
| Efficiency ratio | 77.4327% | 2,826 |
| Assets per employee ($millions) | 3.1243% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 2,512 |
| Loan loss allowance to noncurrent loans | 16.5037% | 7,092 |
| Noncurrent assets plus other real estate owned to assets | 9.8794% | 418 |
| Noncurrent loans to loans | 11.3194% | 338 |
| Net loans and leases to total assets | 50.4392% | 6,383 |
| Net loans and leases to deposits | 56.4587% | 6,686 |
| Net loans and leases to core deposits | 57.3653% | 6,866 |
| Total domestic deposits to total assets | 89.3382% | 1,266 |
| Equity capital to assets | 10.3062% | 3,643 |
| Core capital (leverage) ratio | 9.7517% | 3,468 |
| Tier 1 risk-based capital ratio | 17.2782% | 2,175 |
| Total risk-based capital ratio | 18.5336% | 2,138 |
| Memoranda: | ||
| Average total assets | $27,884,330 | 7,418 |
| Average earning assets | $24,288,000 | 7,430 |
| Average equity | $2,933,000 | 7,435 |
| Average total loans | $14,694,000 | 7,330 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1755% | 7,291 |
| Cost of funding earning assets | 1.1329% | 5,745 |
| Net interest margin | 3.0426% | 6,734 |
| Noninterest income to average assets | 1.0372% | 1,185 |
| Noninterest expense to average assets | 2.5786% | 5,438 |
| Loan and lease loss provision to assets | 0.7059% | 1,804 |
| Net operating income to assets | 0.4610% | 4,567 |
| Return on assets (ROA) | 0.4610% | 4,694 |
| Pretax return on assets | 0.4610% | 5,081 |
| Return on Equity (ROE) | 4.3382% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.3382% | 3,551 |
| Net charge-offs to loans | -0.0270% | 7,155 |
| Credit loss provision to net charge-offs | -4,900.0000% | 6,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8462% | 4,541 |
| Assets per employee ($millions) | 3.2003% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0371% | 2,087 |
| Loan loss allowance to noncurrent loans | 14.8957% | 7,207 |
| Noncurrent assets plus other real estate owned to assets | 9.5025% | 435 |
| Noncurrent loans to loans | 13.6756% | 223 |
| Net loans and leases to total assets | 50.0885% | 6,457 |
| Net loans and leases to deposits | 56.0490% | 6,770 |
| Net loans and leases to core deposits | 56.9270% | 6,939 |
| Total domestic deposits to total assets | 89.3657% | 1,323 |
| Equity capital to assets | 10.3149% | 3,454 |
| Core capital (leverage) ratio | 10.6730% | 2,467 |
| Tier 1 risk-based capital ratio | 17.3801% | 2,113 |
| Total risk-based capital ratio | 18.6357% | 2,082 |
| Memoranda: | ||
| Average total assets | $27,767,000 | 7,512 |
| Average earning assets | $24,715,500 | 7,507 |
| Average equity | $2,950,500 | 7,508 |
| Average total loans | $14,814,500 | 7,414 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8864% | 6,742 |
| Cost of funding earning assets | 1.4554% | 5,696 |
| Net interest margin | 3.4310% | 5,251 |
| Noninterest income to average assets | 0.6042% | 3,597 |
| Noninterest expense to average assets | 2.7595% | 5,126 |
| Loan and lease loss provision to assets | 1.1826% | 1,950 |
| Net operating income to assets | -0.3242% | 6,004 |
| Return on assets (ROA) | -0.3242% | 5,991 |
| Pretax return on assets | -0.3242% | 5,856 |
| Return on Equity (ROE) | -2.9102% | 5,969 |
| Retained earnings to average equity (ytd only) | -2.9102% | 5,680 |
| Net charge-offs to loans | 1.6336% | 1,549 |
| Credit loss provision to net charge-offs | 127.8884% | 4,043 |
| Earnings coverage of net charge-offs (x) | 0.9283% | 5,185 |
| Efficiency ratio | 76.2729% | 3,481 |
| Assets per employee ($millions) | 2.9701% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 2,975 |
| Loan loss allowance to noncurrent loans | 16.4150% | 7,203 |
| Noncurrent assets plus other real estate owned to assets | 8.4022% | 508 |
| Noncurrent loans to loans | 10.2201% | 392 |
| Net loans and leases to total assets | 54.8128% | 6,104 |
| Net loans and leases to deposits | 61.9378% | 6,476 |
| Net loans and leases to core deposits | 76.5917% | 6,366 |
| Total domestic deposits to total assets | 88.4965% | 1,729 |
| Equity capital to assets | 10.9611% | 2,736 |
| Core capital (leverage) ratio | 11.0280% | 2,212 |
| Tier 1 risk-based capital ratio | 17.7228% | 1,965 |
| Total risk-based capital ratio | 18.9619% | 1,921 |
| Memoranda: | ||
| Average total assets | $27,142,800 | 7,579 |
| Average earning assets | $23,841,600 | 7,591 |
| Average equity | $3,023,800 | 7,580 |
| Average total loans | $15,364,400 | 7,430 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1315% | 6,166 |
| Cost of funding earning assets | 1.5030% | 5,808 |
| Net interest margin | 3.6285% | 4,382 |
| Noninterest income to average assets | 0.6068% | 3,645 |
| Noninterest expense to average assets | 2.7894% | 4,936 |
| Loan and lease loss provision to assets | 0.6019% | 2,987 |
| Net operating income to assets | 0.3817% | 4,474 |
| Return on assets (ROA) | 0.3817% | 4,575 |
| Pretax return on assets | 0.3817% | 4,842 |
| Return on Equity (ROE) | 3.4129% | 4,618 |
| Retained earnings to average equity (ytd only) | 3.4129% | 3,387 |
| Net charge-offs to loans | 0.0603% | 6,099 |
| Credit loss provision to net charge-offs | 1,757.1429% | 222 |
| Earnings coverage of net charge-offs (x) | 28.7235% | 961 |
| Efficiency ratio | 73.9300% | 3,871 |
| Assets per employee ($millions) | 2.9532% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9770% | 1,854 |
| Loan loss allowance to noncurrent loans | 38.3420% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 5.6247% | 1,002 |
| Noncurrent loans to loans | 5.1563% | 1,251 |
| Net loans and leases to total assets | 55.2165% | 6,244 |
| Net loans and leases to deposits | 63.0656% | 6,583 |
| Net loans and leases to core deposits | 78.2887% | 6,459 |
| Total domestic deposits to total assets | 87.5541% | 1,861 |
| Equity capital to assets | 11.7950% | 2,356 |
| Core capital (leverage) ratio | 11.9857% | 1,807 |
| Tier 1 risk-based capital ratio | 18.8134% | 1,792 |
| Total risk-based capital ratio | 20.0693% | 1,748 |
| Memoranda: | ||
| Average total assets | $27,245,750 | 7,642 |
| Average earning assets | $23,774,000 | 7,661 |
| Average equity | $3,047,250 | 7,648 |
| Average total loans | $15,480,000 | 7,493 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1019% | 6,429 |
| Cost of funding earning assets | 1.5440% | 5,952 |
| Net interest margin | 3.5579% | 4,545 |
| Noninterest income to average assets | 0.6116% | 3,589 |
| Noninterest expense to average assets | 2.7596% | 5,133 |
| Loan and lease loss provision to assets | 0.6844% | 2,377 |
| Net operating income to assets | 0.2548% | 5,069 |
| Return on assets (ROA) | 0.2548% | 5,164 |
| Pretax return on assets | 0.2548% | 5,316 |
| Return on Equity (ROE) | 2.3194% | 5,171 |
| Retained earnings to average equity (ytd only) | 2.3194% | 4,045 |
| Net charge-offs to loans | 0.1022% | 5,139 |
| Credit loss provision to net charge-offs | 1,175.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 16.1250% | 1,547 |
| Efficiency ratio | 74.6063% | 3,937 |
| Assets per employee ($millions) | 3.0713% | 5,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 2,370 |
| Loan loss allowance to noncurrent loans | 17.7689% | 7,243 |
| Noncurrent assets plus other real estate owned to assets | 5.4157% | 936 |
| Noncurrent loans to loans | 9.5442% | 381 |
| Net loans and leases to total assets | 55.7811% | 6,230 |
| Net loans and leases to deposits | 63.1124% | 6,645 |
| Net loans and leases to core deposits | 77.4279% | 6,581 |
| Total domestic deposits to total assets | 88.3836% | 1,582 |
| Equity capital to assets | 10.8965% | 3,024 |
| Core capital (leverage) ratio | 10.8848% | 2,501 |
| Tier 1 risk-based capital ratio | 18.0374% | 2,011 |
| Total risk-based capital ratio | 19.2889% | 1,945 |
| Memoranda: | ||
| Average total assets | $27,468,000 | 7,706 |
| Average earning assets | $23,834,330 | 7,726 |
| Average equity | $3,018,000 | 7,724 |
| Average total loans | $15,649,330 | 7,557 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2076% | 6,266 |
| Cost of funding earning assets | 1.5856% | 6,087 |
| Net interest margin | 3.6219% | 4,229 |
| Noninterest income to average assets | 0.6136% | 3,447 |
| Noninterest expense to average assets | 2.6880% | 5,067 |
| Loan and lease loss provision to assets | 0.5697% | 2,209 |
| Net operating income to assets | 0.5259% | 4,310 |
| Return on assets (ROA) | 0.5259% | 4,497 |
| Pretax return on assets | 0.5259% | 4,996 |
| Return on Equity (ROE) | 4.7666% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.7666% | 3,252 |
| Net charge-offs to loans | -1.0236% | 8,161 |
| Credit loss provision to net charge-offs | -97.5000% | 6,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0425% | 4,363 |
| Assets per employee ($millions) | 3.1758% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 2,268 |
| Loan loss allowance to noncurrent loans | 51.0848% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 1.7738% | 3,259 |
| Noncurrent loans to loans | 3.2490% | 1,984 |
| Net loans and leases to total assets | 53.6911% | 6,503 |
| Net loans and leases to deposits | 60.5126% | 6,854 |
| Net loans and leases to core deposits | 75.2919% | 6,728 |
| Total domestic deposits to total assets | 88.7272% | 1,369 |
| Equity capital to assets | 10.6536% | 3,324 |
| Core capital (leverage) ratio | 10.9605% | 2,530 |
| Tier 1 risk-based capital ratio | 17.8014% | 2,099 |
| Total risk-based capital ratio | 19.0538% | 2,049 |
| Memoranda: | ||
| Average total assets | $27,381,000 | 7,753 |
| Average earning assets | $23,965,000 | 7,766 |
| Average equity | $3,021,000 | 7,777 |
| Average total loans | $15,631,500 | 7,598 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9593% | 5,758 |
| Cost of funding earning assets | 2.1479% | 5,842 |
| Net interest margin | 3.8114% | 3,972 |
| Noninterest income to average assets | 0.5950% | 3,869 |
| Noninterest expense to average assets | 2.9602% | 4,227 |
| Loan and lease loss provision to assets | 1.0254% | 1,432 |
| Net operating income to assets | 0.2021% | 5,842 |
| Return on assets (ROA) | 0.2058% | 5,650 |
| Pretax return on assets | 0.2058% | 5,720 |
| Return on Equity (ROE) | 1.7988% | 5,671 |
| Retained earnings to average equity (ytd only) | -2.2894% | 5,949 |
| Net charge-offs to loans | 1.4302% | 815 |
| Credit loss provision to net charge-offs | 117.0940% | 4,603 |
| Earnings coverage of net charge-offs (x) | 1.4017% | 5,423 |
| Efficiency ratio | 70.6881% | 4,203 |
| Assets per employee ($millions) | 2.9089% | 6,270 |
| Cash dividends to net income (ytd only)* | 227.2727% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 4,924 |
| Loan loss allowance to noncurrent loans | 44.5545% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 2.3071% | 2,111 |
| Noncurrent loans to loans | 2.5802% | 2,100 |
| Net loans and leases to total assets | 59.1215% | 6,038 |
| Net loans and leases to deposits | 67.3601% | 6,519 |
| Net loans and leases to core deposits | 85.2688% | 6,186 |
| Total domestic deposits to total assets | 87.7693% | 1,568 |
| Equity capital to assets | 11.4477% | 2,668 |
| Core capital (leverage) ratio | 11.0448% | 2,559 |
| Tier 1 risk-based capital ratio | 17.6233% | 2,141 |
| Total risk-based capital ratio | 18.6939% | 2,139 |
| Memoranda: | ||
| Average total assets | $26,721,000 | 7,774 |
| Average earning assets | $25,187,400 | 7,730 |
| Average equity | $3,057,600 | 7,818 |
| Average total loans | $16,360,800 | 7,561 |