Home > The Citizens Bank of Cochran > Performance and Condition Ratios
The Citizens Bank of Cochran, 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 | 6.4642% | 362 |
| Cost of funding earning assets | 1.4797% | 1,991 |
| Net interest margin | 4.9845% | 320 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.6163% | 1,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7965% | 616 |
| Return on assets (ROA) | 1.7835% | 604 |
| Pretax return on assets | 2.4319% | 362 |
| Return on Equity (ROE) | 16.5800% | 1,004 |
| Retained earnings to average equity (ytd only) | 16.5770% | 238 |
| Net charge-offs to loans | -0.0197% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.6576% | 3,863 |
| Assets per employee ($millions) | 5.9738% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 1,267 |
| Loan loss allowance to noncurrent loans | 315.9129% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 1,534 |
| Noncurrent loans to loans | 0.4536% | 1,647 |
| Net loans and leases to total assets | 77.5500% | 908 |
| Net loans and leases to deposits | 88.3978% | 1,392 |
| Net loans and leases to core deposits | 102.9262% | 1,283 |
| Total domestic deposits to total assets | 87.7300% | 1,444 |
| Equity capital to assets | 11.4387% | 1,310 |
| Core capital (leverage) ratio | 11.8979% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6955% | 720 |
| Memoranda: | ||
| Average total assets | $163,782,000 | 3,247 |
| Average earning assets | $154,899,200 | 3,214 |
| Average equity | $17,620,800 | 3,043 |
| Average total loans | $127,009,400 | 2,883 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1921% | 425 |
| Cost of funding earning assets | 1.3625% | 1,966 |
| Net interest margin | 4.8296% | 395 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.5641% | 2,049 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7252% | 762 |
| Return on assets (ROA) | 1.7252% | 749 |
| Pretax return on assets | 2.3521% | 450 |
| Return on Equity (ROE) | 16.3000% | 1,201 |
| Retained earnings to average equity (ytd only) | 16.3002% | 442 |
| Net charge-offs to loans | -0.0106% | 3,948 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.1558% | 3,746 |
| Assets per employee ($millions) | 6.7718% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 1,327 |
| Loan loss allowance to noncurrent loans | 862.2120% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 2,744 |
| Noncurrent loans to loans | 0.1660% | 2,711 |
| Net loans and leases to total assets | 73.1900% | 1,448 |
| Net loans and leases to deposits | 82.7712% | 1,846 |
| Net loans and leases to core deposits | 95.7271% | 1,568 |
| Total domestic deposits to total assets | 88.4200% | 1,438 |
| Equity capital to assets | 10.2046% | 1,702 |
| Core capital (leverage) ratio | 12.0705% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7979% | 840 |
| Memoranda: | ||
| Average total assets | $162,911,250 | 3,260 |
| Average earning assets | $153,439,750 | 3,232 |
| Average equity | $17,242,750 | 3,063 |
| Average total loans | $125,859,750 | 2,895 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0495% | 421 |
| Cost of funding earning assets | 1.1710% | 2,075 |
| Net interest margin | 4.8785% | 358 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.6254% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8054% | 652 |
| Return on assets (ROA) | 1.8054% | 652 |
| Pretax return on assets | 2.4602% | 374 |
| Return on Equity (ROE) | 16.8300% | 1,129 |
| Retained earnings to average equity (ytd only) | 16.8340% | 401 |
| Net charge-offs to loans | -0.0161% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.6249% | 3,804 |
| Assets per employee ($millions) | 5.9778% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 1,364 |
| Loan loss allowance to noncurrent loans | 5,846.8750% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 3,629 |
| Noncurrent loans to loans | 0.0248% | 3,581 |
| Net loans and leases to total assets | 78.9300% | 745 |
| Net loans and leases to deposits | 89.7195% | 1,208 |
| Net loans and leases to core deposits | 106.0562% | 986 |
| Total domestic deposits to total assets | 87.9800% | 1,607 |
| Equity capital to assets | 10.8048% | 1,461 |
| Core capital (leverage) ratio | 12.0501% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4373% | 898 |
| Memoranda: | ||
| Average total assets | $158,526,000 | 3,309 |
| Average earning assets | $152,343,000 | 3,251 |
| Average equity | $17,001,333 | 3,104 |
| Average total loans | $124,234,667 | 2,904 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9015% | 354 |
| Cost of funding earning assets | 1.1178% | 1,703 |
| Net interest margin | 4.7837% | 384 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.5616% | 2,072 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7672% | 715 |
| Return on assets (ROA) | 1.7672% | 710 |
| Pretax return on assets | 2.4088% | 405 |
| Return on Equity (ROE) | 16.5400% | 1,253 |
| Retained earnings to average equity (ytd only) | 16.5410% | 637 |
| Net charge-offs to loans | 0.0066% | 1,705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 473.0000% | 243 |
| Efficiency ratio | 51.5369% | 3,816 |
| Assets per employee ($millions) | 5.8793% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 1,302 |
| Loan loss allowance to noncurrent loans | 2,581.9444% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 3,331 |
| Noncurrent loans to loans | 0.0577% | 3,322 |
| Net loans and leases to total assets | 77.3700% | 836 |
| Net loans and leases to deposits | 87.4716% | 1,254 |
| Net loans and leases to core deposits | 95.8896% | 1,291 |
| Total domestic deposits to total assets | 88.4600% | 1,752 |
| Equity capital to assets | 10.5273% | 1,551 |
| Core capital (leverage) ratio | 11.6315% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0166% | 989 |
| Memoranda: | ||
| Average total assets | $157,089,000 | 3,362 |
| Average earning assets | $151,012,500 | 3,310 |
| Average equity | $16,782,500 | 3,149 |
| Average total loans | $121,717,000 | 2,956 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 288 |
| Cost of funding earning assets | 0.4239% | 1,913 |
| Net interest margin | 4.6036% | 246 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.8793% | 1,159 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5313% | 817 |
| Return on assets (ROA) | 1.5313% | 793 |
| Pretax return on assets | 2.1147% | 370 |
| Return on Equity (ROE) | 13.4800% | 1,662 |
| Retained earnings to average equity (ytd only) | 9.0717% | 1,460 |
| Net charge-offs to loans | 0.0124% | 1,920 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 224.4615% | 598 |
| Efficiency ratio | 57.6549% | 3,388 |
| Assets per employee ($millions) | 5.3599% | 3,360 |
| Cash dividends to net income (ytd only)* | 32.7023% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,100 |
| Loan loss allowance to noncurrent loans | 985.8268% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 2,982 |
| Noncurrent loans to loans | 0.1069% | 2,999 |
| Net loans and leases to total assets | 75.5900% | 1,051 |
| Net loans and leases to deposits | 85.1737% | 1,378 |
| Net loans and leases to core deposits | 93.9360% | 1,301 |
| Total domestic deposits to total assets | 88.7500% | 1,796 |
| Equity capital to assets | 10.8429% | 1,324 |
| Core capital (leverage) ratio | 12.1509% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3386% | 923 |
| Memoranda: | ||
| Average total assets | $137,985,800 | 3,551 |
| Average earning assets | $132,330,200 | 3,504 |
| Average equity | $15,675,200 | 3,312 |
| Average total loans | $105,157,600 | 3,083 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8792% | 253 |
| Cost of funding earning assets | 0.3268% | 1,892 |
| Net interest margin | 4.5523% | 215 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.8837% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5576% | 727 |
| Return on assets (ROA) | 1.5576% | 705 |
| Pretax return on assets | 2.1343% | 355 |
| Return on Equity (ROE) | 13.5300% | 1,556 |
| Retained earnings to average equity (ytd only) | 7.5418% | 2,171 |
| Net charge-offs to loans | 0.0197% | 1,443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 142.6000% | 764 |
| Efficiency ratio | 57.4667% | 3,449 |
| Assets per employee ($millions) | 4.9711% | 3,694 |
| Cash dividends to net income (ytd only)* | 44.2665% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 2,861 |
| Loan loss allowance to noncurrent loans | 2,976.1905% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,622 |
| Noncurrent loans to loans | 0.0381% | 3,616 |
| Net loans and leases to total assets | 78.2700% | 682 |
| Net loans and leases to deposits | 89.2564% | 945 |
| Net loans and leases to core deposits | 99.7081% | 826 |
| Total domestic deposits to total assets | 87.7000% | 2,521 |
| Equity capital to assets | 11.6201% | 963 |
| Core capital (leverage) ratio | 12.7650% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4116% | 801 |
| Memoranda: | ||
| Average total assets | $133,622,750 | 3,623 |
| Average earning assets | $128,106,500 | 3,573 |
| Average equity | $15,380,500 | 3,375 |
| Average total loans | $101,759,500 | 3,128 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 240 |
| Cost of funding earning assets | 0.3242% | 1,491 |
| Net interest margin | 4.4212% | 217 |
| Noninterest income to average assets | 0.6876% | 1,395 |
| Noninterest expense to average assets | 2.8626% | 1,048 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5102% | 693 |
| Return on assets (ROA) | 1.5102% | 670 |
| Pretax return on assets | 2.0688% | 325 |
| Return on Equity (ROE) | 13.1649% | 1,336 |
| Retained earnings to average equity (ytd only) | 4.0222% | 3,073 |
| Net charge-offs to loans | 0.0445% | 942 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 61.9545% | 1,067 |
| Efficiency ratio | 58.0486% | 3,552 |
| Assets per employee ($millions) | 4.9731% | 3,699 |
| Cash dividends to net income (ytd only)* | 69.4472% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 2,762 |
| Loan loss allowance to noncurrent loans | 5,650.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 3,852 |
| Noncurrent loans to loans | 0.0210% | 3,808 |
| Net loans and leases to total assets | 77.1466% | 626 |
| Net loans and leases to deposits | 88.2756% | 818 |
| Net loans and leases to core deposits | 99.7122% | 680 |
| Total domestic deposits to total assets | 87.3928% | 2,800 |
| Equity capital to assets | 11.8207% | 936 |
| Core capital (leverage) ratio | 12.5585% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5163% | 784 |
| Memoranda: | ||
| Average total assets | $131,767,000 | 3,684 |
| Average earning assets | $126,482,667 | 3,639 |
| Average equity | $15,116,000 | 3,480 |
| Average total loans | $98,946,333 | 3,201 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 269 |
| Cost of funding earning assets | 0.3325% | 1,351 |
| Net interest margin | 4.2488% | 261 |
| Noninterest income to average assets | 0.4812% | 2,228 |
| Noninterest expense to average assets | 2.8349% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2566% | 1,101 |
| Return on assets (ROA) | 1.2566% | 1,087 |
| Pretax return on assets | 1.7194% | 658 |
| Return on Equity (ROE) | 11.1277% | 1,571 |
| Retained earnings to average equity (ytd only) | -7.6265% | 4,516 |
| Net charge-offs to loans | 0.0333% | 970 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 70.1250% | 792 |
| Efficiency ratio | 62.2476% | 3,234 |
| Assets per employee ($millions) | 5.1108% | 3,654 |
| Cash dividends to net income (ytd only)* | 168.5366% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 2,383 |
| Loan loss allowance to noncurrent loans | 4,190.0000% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,820 |
| Noncurrent loans to loans | 0.0309% | 3,769 |
| Net loans and leases to total assets | 72.0835% | 824 |
| Net loans and leases to deposits | 82.3873% | 985 |
| Net loans and leases to core deposits | 93.1716% | 768 |
| Total domestic deposits to total assets | 87.4934% | 2,749 |
| Equity capital to assets | 11.9091% | 991 |
| Core capital (leverage) ratio | 12.5312% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0987% | 743 |
| Memoranda: | ||
| Average total assets | $130,514,000 | 3,712 |
| Average earning assets | $125,118,000 | 3,666 |
| Average equity | $14,738,000 | 3,586 |
| Average total loans | $96,004,500 | 3,248 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 494 |
| Cost of funding earning assets | 0.4580% | 1,144 |
| Net interest margin | 4.1578% | 532 |
| Noninterest income to average assets | 1.1240% | 830 |
| Noninterest expense to average assets | 2.9882% | 998 |
| Loan and lease loss provision to assets | 0.5298% | 102 |
| Net operating income to assets | 1.1273% | 2,184 |
| Return on assets (ROA) | 1.1273% | 2,238 |
| Pretax return on assets | 1.5430% | 1,592 |
| Return on Equity (ROE) | 11.1958% | 2,099 |
| Retained earnings to average equity (ytd only) | 7.9739% | 1,555 |
| Net charge-offs to loans | -0.0392% | 4,216 |
| Credit loss provision to net charge-offs | -1,911.7647% | 4,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0433% | 3,290 |
| Assets per employee ($millions) | 5.1258% | 3,621 |
| Cash dividends to net income (ytd only)* | 28.7780% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 2,227 |
| Loan loss allowance to noncurrent loans | 2,875.0000% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,785 |
| Noncurrent loans to loans | 0.0463% | 3,750 |
| Net loans and leases to total assets | 73.1205% | 737 |
| Net loans and leases to deposits | 82.2285% | 1,044 |
| Net loans and leases to core deposits | 93.0026% | 827 |
| Total domestic deposits to total assets | 88.9236% | 1,550 |
| Equity capital to assets | 10.6527% | 2,046 |
| Core capital (leverage) ratio | 10.6490% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4849% | 1,167 |
| Memoranda: | ||
| Average total assets | $122,682,000 | 3,771 |
| Average earning assets | $116,166,400 | 3,737 |
| Average equity | $12,352,800 | 3,895 |
| Average total loans | $86,750,000 | 3,381 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5756% | 594 |
| Cost of funding earning assets | 0.4791% | 1,164 |
| Net interest margin | 4.0965% | 661 |
| Noninterest income to average assets | 0.5165% | 2,551 |
| Noninterest expense to average assets | 2.9300% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0584% | 2,697 |
| Return on assets (ROA) | 1.0584% | 2,767 |
| Pretax return on assets | 1.4485% | 2,156 |
| Return on Equity (ROE) | 10.6746% | 2,488 |
| Retained earnings to average equity (ytd only) | 6.2629% | 2,716 |
| Net charge-offs to loans | -0.0567% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9177% | 1,981 |
| Assets per employee ($millions) | 5.0682% | 3,634 |
| Cash dividends to net income (ytd only)* | 41.3292% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6627% | 4,562 |
| Loan loss allowance to noncurrent loans | 1,504.8780% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 1,394 |
| Noncurrent loans to loans | 0.0440% | 3,893 |
| Net loans and leases to total assets | 72.9958% | 776 |
| Net loans and leases to deposits | 82.1462% | 1,107 |
| Net loans and leases to core deposits | 94.6257% | 806 |
| Total domestic deposits to total assets | 88.8608% | 1,363 |
| Equity capital to assets | 10.5259% | 2,439 |
| Core capital (leverage) ratio | 10.6969% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6961% | 1,426 |
| Memoranda: | ||
| Average total assets | $121,316,000 | 3,830 |
| Average earning assets | $114,372,250 | 3,798 |
| Average equity | $12,028,250 | 3,980 |
| Average total loans | $84,696,000 | 3,456 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5446% | 683 |
| Cost of funding earning assets | 0.5095% | 1,146 |
| Net interest margin | 4.0351% | 774 |
| Noninterest income to average assets | 0.5137% | 2,569 |
| Noninterest expense to average assets | 2.9200% | 1,115 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0208% | 2,824 |
| Return on assets (ROA) | 1.0208% | 2,901 |
| Pretax return on assets | 1.3973% | 2,348 |
| Return on Equity (ROE) | 10.5245% | 2,579 |
| Retained earnings to average equity (ytd only) | 10.5245% | 1,246 |
| Net charge-offs to loans | -0.0049% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6357% | 1,923 |
| Assets per employee ($millions) | 4.8356% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 4,570 |
| Loan loss allowance to noncurrent loans | 2,534.7826% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.5617% | 1,486 |
| Noncurrent loans to loans | 0.0267% | 4,082 |
| Net loans and leases to total assets | 70.8377% | 1,105 |
| Net loans and leases to deposits | 78.9612% | 1,522 |
| Net loans and leases to core deposits | 90.7343% | 1,088 |
| Total domestic deposits to total assets | 89.7120% | 917 |
| Equity capital to assets | 9.7991% | 3,059 |
| Core capital (leverage) ratio | 9.6238% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7049% | 1,719 |
| Memoranda: | ||
| Average total assets | $119,519,333 | 3,860 |
| Average earning assets | $112,662,333 | 3,829 |
| Average equity | $11,592,000 | 4,038 |
| Average total loans | $81,892,333 | 3,516 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3980% | 914 |
| Cost of funding earning assets | 0.5172% | 1,286 |
| Net interest margin | 3.8808% | 1,017 |
| Noninterest income to average assets | 0.4712% | 2,746 |
| Noninterest expense to average assets | 2.9150% | 1,124 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8920% | 3,149 |
| Return on assets (ROA) | 0.8920% | 3,231 |
| Pretax return on assets | 1.2185% | 2,796 |
| Return on Equity (ROE) | 9.2455% | 2,944 |
| Retained earnings to average equity (ytd only) | 9.2455% | 1,872 |
| Net charge-offs to loans | -0.1706% | 4,762 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5212% | 1,645 |
| Assets per employee ($millions) | 4.8437% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7699% | 4,459 |
| Loan loss allowance to noncurrent loans | 516.8067% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 1,471 |
| Noncurrent loans to loans | 0.1490% | 3,581 |
| Net loans and leases to total assets | 65.4580% | 1,871 |
| Net loans and leases to deposits | 72.6522% | 2,251 |
| Net loans and leases to core deposits | 85.8339% | 1,535 |
| Total domestic deposits to total assets | 90.0977% | 776 |
| Equity capital to assets | 9.5563% | 3,141 |
| Core capital (leverage) ratio | 9.6147% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2352% | 1,498 |
| Memoranda: | ||
| Average total assets | $118,834,500 | 3,878 |
| Average earning assets | $112,142,500 | 3,841 |
| Average equity | $11,465,000 | 4,059 |
| Average total loans | $79,729,500 | 3,567 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8939% | 605 |
| Cost of funding earning assets | 0.7191% | 1,626 |
| Net interest margin | 4.1749% | 681 |
| Noninterest income to average assets | 0.3949% | 3,119 |
| Noninterest expense to average assets | 3.3348% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7032% | 3,425 |
| Return on assets (ROA) | 0.7032% | 3,556 |
| Pretax return on assets | 0.9735% | 3,136 |
| Return on Equity (ROE) | 7.1824% | 3,134 |
| Retained earnings to average equity (ytd only) | 4.9086% | 2,309 |
| Net charge-offs to loans | -0.0304% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4041% | 1,092 |
| Assets per employee ($millions) | 4.4837% | 3,925 |
| Cash dividends to net income (ytd only)* | 31.6583% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7301% | 4,542 |
| Loan loss allowance to noncurrent loans | 645.5556% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 1,549 |
| Noncurrent loans to loans | 0.1131% | 3,836 |
| Net loans and leases to total assets | 67.7652% | 1,853 |
| Net loans and leases to deposits | 75.2004% | 2,362 |
| Net loans and leases to core deposits | 89.1434% | 1,594 |
| Total domestic deposits to total assets | 90.1129% | 521 |
| Equity capital to assets | 9.7430% | 3,374 |
| Core capital (leverage) ratio | 9.5125% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9836% | 1,534 |
| Memoranda: | ||
| Average total assets | $113,200,800 | 3,839 |
| Average earning assets | $106,111,000 | 3,825 |
| Average equity | $11,082,600 | 4,066 |
| Average total loans | $79,057,200 | 3,570 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0024% | 602 |
| Cost of funding earning assets | 0.7632% | 1,661 |
| Net interest margin | 4.2392% | 675 |
| Noninterest income to average assets | 0.4177% | 2,993 |
| Noninterest expense to average assets | 3.3761% | 820 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7369% | 3,329 |
| Return on assets (ROA) | 0.7369% | 3,432 |
| Pretax return on assets | 1.0099% | 3,034 |
| Return on Equity (ROE) | 7.5177% | 3,003 |
| Retained earnings to average equity (ytd only) | 7.5177% | 1,490 |
| Net charge-offs to loans | 0.0084% | 2,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 170.2000% | 547 |
| Efficiency ratio | 76.9751% | 1,121 |
| Assets per employee ($millions) | 4.6999% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7049% | 4,576 |
| Loan loss allowance to noncurrent loans | 600.0000% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.6417% | 1,814 |
| Noncurrent loans to loans | 0.1175% | 3,906 |
| Net loans and leases to total assets | 66.1773% | 2,498 |
| Net loans and leases to deposits | 73.7362% | 2,985 |
| Net loans and leases to core deposits | 88.9994% | 2,064 |
| Total domestic deposits to total assets | 89.7488% | 513 |
| Equity capital to assets | 9.7219% | 3,497 |
| Core capital (leverage) ratio | 9.6466% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2471% | 1,436 |
| Memoranda: | ||
| Average total assets | $112,357,000 | 3,845 |
| Average earning assets | $105,173,250 | 3,835 |
| Average equity | $11,013,750 | 4,081 |
| Average total loans | $78,926,750 | 3,594 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1607% | 617 |
| Cost of funding earning assets | 0.8311% | 1,673 |
| Net interest margin | 4.3296% | 706 |
| Noninterest income to average assets | 0.4537% | 2,790 |
| Noninterest expense to average assets | 3.3712% | 894 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8207% | 2,970 |
| Return on assets (ROA) | 0.8207% | 3,089 |
| Pretax return on assets | 1.1225% | 2,642 |
| Return on Equity (ROE) | 8.3476% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.3476% | 1,208 |
| Net charge-offs to loans | 0.0076% | 2,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 430 |
| Efficiency ratio | 75.0201% | 1,368 |
| Assets per employee ($millions) | 4.4972% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6942% | 4,575 |
| Loan loss allowance to noncurrent loans | 1,846.6667% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 2,052 |
| Noncurrent loans to loans | 0.0376% | 4,327 |
| Net loans and leases to total assets | 67.7796% | 2,395 |
| Net loans and leases to deposits | 75.3239% | 2,938 |
| Net loans and leases to core deposits | 90.9156% | 1,994 |
| Total domestic deposits to total assets | 89.9843% | 406 |
| Equity capital to assets | 9.5804% | 3,580 |
| Core capital (leverage) ratio | 9.7097% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4180% | 1,657 |
| Memoranda: | ||
| Average total assets | $110,643,333 | 3,858 |
| Average earning assets | $103,241,667 | 3,852 |
| Average equity | $10,877,333 | 4,104 |
| Average total loans | $79,132,667 | 3,592 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4126% | 452 |
| Cost of funding earning assets | 0.9314% | 1,733 |
| Net interest margin | 4.4812% | 528 |
| Noninterest income to average assets | 0.5172% | 2,462 |
| Noninterest expense to average assets | 3.4418% | 1,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9079% | 2,497 |
| Return on assets (ROA) | 0.9079% | 2,603 |
| Pretax return on assets | 1.2465% | 2,044 |
| Return on Equity (ROE) | 9.1087% | 2,067 |
| Retained earnings to average equity (ytd only) | 9.1087% | 948 |
| Net charge-offs to loans | -0.0102% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4127% | 1,890 |
| Assets per employee ($millions) | 4.1627% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6921% | 4,622 |
| Loan loss allowance to noncurrent loans | 481.8966% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 1,836 |
| Noncurrent loans to loans | 0.1436% | 3,946 |
| Net loans and leases to total assets | 74.1086% | 1,583 |
| Net loans and leases to deposits | 82.6910% | 2,359 |
| Net loans and leases to core deposits | 103.9005% | 1,193 |
| Total domestic deposits to total assets | 89.6211% | 438 |
| Equity capital to assets | 10.0047% | 3,781 |
| Core capital (leverage) ratio | 10.1283% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2429% | 1,829 |
| Memoranda: | ||
| Average total assets | $107,502,000 | 3,876 |
| Average earning assets | $100,063,000 | 3,874 |
| Average equity | $10,715,000 | 4,142 |
| Average total loans | $78,796,000 | 3,604 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 638 |
| Cost of funding earning assets | 1.0374% | 1,569 |
| Net interest margin | 4.3868% | 917 |
| Noninterest income to average assets | 0.3955% | 3,323 |
| Noninterest expense to average assets | 3.7681% | 701 |
| Loan and lease loss provision to assets | -0.0092% | 4,932 |
| Net operating income to assets | 0.5215% | 4,357 |
| Return on assets (ROA) | 0.5135% | 4,429 |
| Pretax return on assets | 0.7066% | 4,198 |
| Return on Equity (ROE) | 4.9280% | 4,225 |
| Retained earnings to average equity (ytd only) | 4.9280% | 2,456 |
| Net charge-offs to loans | 0.0068% | 3,430 |
| Credit loss provision to net charge-offs | -180.0000% | 4,289 |
| Earnings coverage of net charge-offs (x) | 139.2000% | 525 |
| Efficiency ratio | 84.1890% | 643 |
| Assets per employee ($millions) | 3.9546% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 4,521 |
| Loan loss allowance to noncurrent loans | 687.6543% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.7108% | 1,822 |
| Noncurrent loans to loans | 0.1054% | 4,104 |
| Net loans and leases to total assets | 71.4296% | 2,183 |
| Net loans and leases to deposits | 79.5272% | 2,830 |
| Net loans and leases to core deposits | 99.7672% | 1,582 |
| Total domestic deposits to total assets | 89.8178% | 383 |
| Equity capital to assets | 9.9293% | 3,986 |
| Core capital (leverage) ratio | 10.0768% | 3,432 |
| Tier 1 risk-based capital ratio | 14.9399% | 2,804 |
| Total risk-based capital ratio | 15.7198% | 2,931 |
| Memoranda: | ||
| Average total assets | $98,352,800 | 4,025 |
| Average earning assets | $91,479,800 | 4,023 |
| Average equity | $10,247,600 | 4,210 |
| Average total loans | $73,373,000 | 3,711 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4197% | 674 |
| Cost of funding earning assets | 1.0210% | 1,677 |
| Net interest margin | 4.3988% | 948 |
| Noninterest income to average assets | 0.4003% | 3,319 |
| Noninterest expense to average assets | 3.7430% | 703 |
| Loan and lease loss provision to assets | 0.0083% | 3,724 |
| Net operating income to assets | 0.5332% | 4,445 |
| Return on assets (ROA) | 0.5222% | 4,515 |
| Pretax return on assets | 0.7176% | 4,306 |
| Return on Equity (ROE) | 4.9478% | 4,340 |
| Retained earnings to average equity (ytd only) | 4.9478% | 2,912 |
| Net charge-offs to loans | 0.0074% | 3,116 |
| Credit loss provision to net charge-offs | 150.0000% | 1,631 |
| Earnings coverage of net charge-offs (x) | 133.5797% | 597 |
| Efficiency ratio | 83.4981% | 650 |
| Assets per employee ($millions) | 4.5757% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 4,517 |
| Loan loss allowance to noncurrent loans | 427.6119% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 1,826 |
| Noncurrent loans to loans | 0.1782% | 3,899 |
| Net loans and leases to total assets | 70.9094% | 2,338 |
| Net loans and leases to deposits | 79.0812% | 3,004 |
| Net loans and leases to core deposits | 99.8688% | 1,663 |
| Total domestic deposits to total assets | 89.6665% | 385 |
| Equity capital to assets | 9.9297% | 4,090 |
| Core capital (leverage) ratio | 10.4217% | 3,170 |
| Tier 1 risk-based capital ratio | 14.8916% | 2,905 |
| Total risk-based capital ratio | 15.7011% | 3,019 |
| Memoranda: | ||
| Average total assets | $96,247,250 | 4,105 |
| Average earning assets | $89,325,750 | 4,100 |
| Average equity | $10,159,000 | 4,260 |
| Average total loans | $72,509,750 | 3,767 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4144% | 661 |
| Cost of funding earning assets | 0.9482% | 1,924 |
| Net interest margin | 4.4663% | 828 |
| Noninterest income to average assets | 0.4054% | 3,241 |
| Noninterest expense to average assets | 3.6933% | 760 |
| Loan and lease loss provision to assets | 0.0129% | 3,511 |
| Net operating income to assets | 0.6196% | 4,251 |
| Return on assets (ROA) | 0.6027% | 4,342 |
| Pretax return on assets | 0.8300% | 4,024 |
| Return on Equity (ROE) | 5.5854% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.5854% | 2,480 |
| Net charge-offs to loans | -0.0112% | 4,355 |
| Credit loss provision to net charge-offs | -150.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0353% | 882 |
| Assets per employee ($millions) | 3.5655% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 4,365 |
| Loan loss allowance to noncurrent loans | 1,001.7241% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.7392% | 1,877 |
| Noncurrent loans to loans | 0.0818% | 4,311 |
| Net loans and leases to total assets | 70.3982% | 2,474 |
| Net loans and leases to deposits | 78.8702% | 3,074 |
| Net loans and leases to core deposits | 100.4416% | 1,682 |
| Total domestic deposits to total assets | 89.2583% | 567 |
| Equity capital to assets | 10.3330% | 3,662 |
| Core capital (leverage) ratio | 10.9519% | 2,641 |
| Tier 1 risk-based capital ratio | 15.6320% | 2,571 |
| Total risk-based capital ratio | 16.5015% | 2,670 |
| Memoranda: | ||
| Average total assets | $93,249,670 | 4,168 |
| Average earning assets | $86,694,330 | 4,161 |
| Average equity | $10,062,000 | 4,294 |
| Average total loans | $71,613,670 | 3,806 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4438% | 574 |
| Cost of funding earning assets | 0.8699% | 2,156 |
| Net interest margin | 4.5739% | 646 |
| Noninterest income to average assets | 0.3602% | 3,447 |
| Noninterest expense to average assets | 3.7707% | 678 |
| Loan and lease loss provision to assets | 0.0267% | 3,076 |
| Net operating income to assets | 0.5732% | 4,323 |
| Return on assets (ROA) | 0.5380% | 4,442 |
| Pretax return on assets | 0.7737% | 4,111 |
| Return on Equity (ROE) | 4.8717% | 4,358 |
| Retained earnings to average equity (ytd only) | 4.8717% | 2,963 |
| Net charge-offs to loans | -0.0056% | 4,054 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6956% | 901 |
| Assets per employee ($millions) | 3.2625% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 4,554 |
| Loan loss allowance to noncurrent loans | 2,890.0000% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.7663% | 1,836 |
| Noncurrent loans to loans | 0.0273% | 4,658 |
| Net loans and leases to total assets | 79.5678% | 895 |
| Net loans and leases to deposits | 89.7103% | 1,666 |
| Net loans and leases to core deposits | 113.3629% | 767 |
| Total domestic deposits to total assets | 88.6942% | 998 |
| Equity capital to assets | 10.9840% | 2,871 |
| Core capital (leverage) ratio | 11.5431% | 2,107 |
| Tier 1 risk-based capital ratio | 15.2447% | 2,778 |
| Total risk-based capital ratio | 16.1014% | 2,872 |
| Memoranda: | ||
| Average total assets | $89,957,000 | 4,267 |
| Average earning assets | $83,692,000 | 4,255 |
| Average equity | $9,935,000 | 4,336 |
| Average total loans | $71,989,000 | 3,839 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3658% | 511 |
| Cost of funding earning assets | 0.7444% | 1,825 |
| Net interest margin | 4.6214% | 576 |
| Noninterest income to average assets | 0.3686% | 3,629 |
| Noninterest expense to average assets | 3.9572% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4817% | 4,698 |
| Return on assets (ROA) | 0.4817% | 4,699 |
| Pretax return on assets | 0.6512% | 4,531 |
| Return on Equity (ROE) | 4.4447% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.4447% | 3,087 |
| Net charge-offs to loans | -0.0250% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8685% | 533 |
| Assets per employee ($millions) | 3.8506% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 4,509 |
| Loan loss allowance to noncurrent loans | 1,841.9355% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.8231% | 1,699 |
| Noncurrent loans to loans | 0.0438% | 4,553 |
| Net loans and leases to total assets | 79.2012% | 1,062 |
| Net loans and leases to deposits | 90.1708% | 1,777 |
| Net loans and leases to core deposits | 115.2000% | 724 |
| Total domestic deposits to total assets | 87.8346% | 1,378 |
| Equity capital to assets | 11.1062% | 2,587 |
| Core capital (leverage) ratio | 11.4516% | 2,139 |
| Tier 1 risk-based capital ratio | 15.2969% | 2,701 |
| Total risk-based capital ratio | 16.1562% | 2,808 |
| Memoranda: | ||
| Average total assets | $88,445,800 | 4,298 |
| Average earning assets | $81,143,600 | 4,299 |
| Average equity | $9,584,400 | 4,376 |
| Average total loans | $68,085,600 | 3,917 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 522 |
| Cost of funding earning assets | 0.7035% | 1,824 |
| Net interest margin | 4.6001% | 595 |
| Noninterest income to average assets | 0.3529% | 3,774 |
| Noninterest expense to average assets | 3.9690% | 546 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4599% | 4,838 |
| Return on assets (ROA) | 0.4599% | 4,847 |
| Pretax return on assets | 0.5941% | 4,743 |
| Return on Equity (ROE) | 4.2710% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.2710% | 3,633 |
| Net charge-offs to loans | 0.0040% | 3,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 196.7491% | 444 |
| Efficiency ratio | 86.9795% | 462 |
| Assets per employee ($millions) | 3.7215% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 4,514 |
| Loan loss allowance to noncurrent loans | 353.8462% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 1,553 |
| Noncurrent loans to loans | 0.2355% | 3,860 |
| Net loans and leases to total assets | 73.5599% | 2,060 |
| Net loans and leases to deposits | 84.5930% | 2,526 |
| Net loans and leases to core deposits | 107.1953% | 1,217 |
| Total domestic deposits to total assets | 86.9574% | 1,751 |
| Equity capital to assets | 10.7776% | 2,870 |
| Core capital (leverage) ratio | 11.2063% | 2,408 |
| Tier 1 risk-based capital ratio | 15.8201% | 2,519 |
| Total risk-based capital ratio | 16.6895% | 2,608 |
| Memoranda: | ||
| Average total assets | $88,416,500 | 4,341 |
| Average earning assets | $80,923,250 | 4,350 |
| Average equity | $9,521,500 | 4,420 |
| Average total loans | $67,428,500 | 3,960 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1643% | 593 |
| Cost of funding earning assets | 0.6468% | 1,941 |
| Net interest margin | 4.5175% | 674 |
| Noninterest income to average assets | 0.3495% | 3,828 |
| Noninterest expense to average assets | 4.0310% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3972% | 4,964 |
| Return on assets (ROA) | 0.3972% | 4,972 |
| Pretax return on assets | 0.5198% | 4,867 |
| Return on Equity (ROE) | 3.6894% | 4,889 |
| Retained earnings to average equity (ytd only) | 3.6894% | 3,752 |
| Net charge-offs to loans | 0.1533% | 1,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.4038% | 2,793 |
| Efficiency ratio | 88.5786% | 430 |
| Assets per employee ($millions) | 3.3802% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 4,863 |
| Loan loss allowance to noncurrent loans | 1,521.2121% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 1,833 |
| Noncurrent loans to loans | 0.0480% | 4,703 |
| Net loans and leases to total assets | 77.5812% | 1,381 |
| Net loans and leases to deposits | 89.7605% | 1,868 |
| Net loans and leases to core deposits | 106.6493% | 1,199 |
| Total domestic deposits to total assets | 86.4313% | 2,082 |
| Equity capital to assets | 10.8368% | 2,795 |
| Core capital (leverage) ratio | 12.4832% | 1,449 |
| Tier 1 risk-based capital ratio | 14.7592% | 2,988 |
| Total risk-based capital ratio | 15.5066% | 3,148 |
| Memoranda: | ||
| Average total assets | $88,117,000 | 4,382 |
| Average earning assets | $81,948,000 | 4,365 |
| Average equity | $9,486,670 | 4,462 |
| Average total loans | $67,820,670 | 3,979 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9798% | 730 |
| Cost of funding earning assets | 0.6310% | 1,839 |
| Net interest margin | 4.3488% | 858 |
| Noninterest income to average assets | 0.3672% | 3,682 |
| Noninterest expense to average assets | 4.0303% | 509 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2947% | 5,103 |
| Return on assets (ROA) | 0.2947% | 5,104 |
| Pretax return on assets | 0.3989% | 5,039 |
| Return on Equity (ROE) | 2.7461% | 5,067 |
| Retained earnings to average equity (ytd only) | 2.7461% | 4,085 |
| Net charge-offs to loans | 0.2018% | 730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.5882% | 2,449 |
| Efficiency ratio | 90.9928% | 400 |
| Assets per employee ($millions) | 3.2895% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7604% | 4,889 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 1,939 |
| Noncurrent loans to loans | 0.0585% | 4,712 |
| Net loans and leases to total assets | 76.4074% | 1,480 |
| Net loans and leases to deposits | 85.7731% | 2,192 |
| Net loans and leases to core deposits | 104.7447% | 1,324 |
| Total domestic deposits to total assets | 89.0808% | 1,058 |
| Equity capital to assets | 10.6141% | 2,958 |
| Core capital (leverage) ratio | 11.0855% | 2,344 |
| Tier 1 risk-based capital ratio | 14.8622% | 2,943 |
| Total risk-based capital ratio | 15.6505% | 3,085 |
| Memoranda: | ||
| Average total assets | $88,232,500 | 4,427 |
| Average earning assets | $82,413,000 | 4,404 |
| Average equity | $9,468,000 | 4,509 |
| Average total loans | $67,388,500 | 4,029 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 889 |
| Cost of funding earning assets | 0.4316% | 2,946 |
| Net interest margin | 4.4197% | 731 |
| Noninterest income to average assets | 0.3415% | 4,024 |
| Noninterest expense to average assets | 4.2325% | 404 |
| Loan and lease loss provision to assets | -0.0918% | 5,467 |
| Net operating income to assets | -0.3065% | 5,479 |
| Return on assets (ROA) | -0.2987% | 5,474 |
| Pretax return on assets | 0.2485% | 5,265 |
| Return on Equity (ROE) | -2.4925% | 5,472 |
| Retained earnings to average equity (ytd only) | -2.4925% | 5,315 |
| Net charge-offs to loans | 0.2549% | 1,025 |
| Credit loss provision to net charge-offs | -51.0204% | 4,649 |
| Earnings coverage of net charge-offs (x) | 0.8027% | 3,963 |
| Efficiency ratio | 96.7002% | 239 |
| Assets per employee ($millions) | 3.5060% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8344% | 4,720 |
| Loan loss allowance to noncurrent loans | 748.6486% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 1,795 |
| Noncurrent loans to loans | 0.1115% | 4,484 |
| Net loans and leases to total assets | 75.1189% | 1,735 |
| Net loans and leases to deposits | 84.3975% | 2,447 |
| Net loans and leases to core deposits | 102.9731% | 1,487 |
| Total domestic deposits to total assets | 89.0061% | 1,003 |
| Equity capital to assets | 10.8490% | 2,780 |
| Core capital (leverage) ratio | 11.2553% | 2,124 |
| Tier 1 risk-based capital ratio | 14.3928% | 3,141 |
| Total risk-based capital ratio | 15.2116% | 3,289 |
| Memoranda: | ||
| Average total assets | $81,700,800 | 4,556 |
| Average earning assets | $74,598,200 | 4,573 |
| Average equity | $9,789,200 | 4,486 |
| Average total loans | $57,664,400 | 4,254 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 990 |
| Cost of funding earning assets | 0.3855% | 3,330 |
| Net interest margin | 4.3826% | 755 |
| Noninterest income to average assets | 0.3557% | 3,990 |
| Noninterest expense to average assets | 4.1122% | 454 |
| Loan and lease loss provision to assets | -0.1080% | 5,592 |
| Net operating income to assets | 0.2884% | 5,237 |
| Return on assets (ROA) | 0.3025% | 5,232 |
| Pretax return on assets | 0.3557% | 5,248 |
| Return on Equity (ROE) | 2.4612% | 5,237 |
| Retained earnings to average equity (ytd only) | 2.4612% | 4,420 |
| Net charge-offs to loans | 0.4662% | 446 |
| Credit loss provision to net charge-offs | -33.5052% | 4,416 |
| Earnings coverage of net charge-offs (x) | 0.7165% | 3,639 |
| Efficiency ratio | 94.6804% | 274 |
| Assets per employee ($millions) | 3.4112% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 4,827 |
| Loan loss allowance to noncurrent loans | 297.1264% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9733% | 1,742 |
| Noncurrent loans to loans | 0.2775% | 3,957 |
| Net loans and leases to total assets | 72.9174% | 2,112 |
| Net loans and leases to deposits | 82.9828% | 2,661 |
| Net loans and leases to core deposits | 102.1302% | 1,537 |
| Total domestic deposits to total assets | 87.8705% | 1,432 |
| Equity capital to assets | 11.7437% | 2,157 |
| Core capital (leverage) ratio | 12.1828% | 1,579 |
| Tier 1 risk-based capital ratio | 15.5031% | 2,704 |
| Total risk-based capital ratio | 16.2936% | 2,828 |
| Memoranda: | ||
| Average total assets | $80,213,750 | 4,630 |
| Average earning assets | $72,983,750 | 4,647 |
| Average equity | $9,859,250 | 4,521 |
| Average total loans | $55,481,750 | 4,345 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 1,126 |
| Cost of funding earning assets | 0.3334% | 3,761 |
| Net interest margin | 4.3339% | 792 |
| Noninterest income to average assets | 0.3795% | 3,836 |
| Noninterest expense to average assets | 4.1414% | 447 |
| Loan and lease loss provision to assets | -0.1656% | 5,694 |
| Net operating income to assets | 0.2491% | 5,323 |
| Return on assets (ROA) | 0.2674% | 5,312 |
| Pretax return on assets | 0.3693% | 5,235 |
| Return on Equity (ROE) | 2.1413% | 5,324 |
| Retained earnings to average equity (ytd only) | 2.1413% | 4,396 |
| Net charge-offs to loans | 0.3731% | 550 |
| Credit loss provision to net charge-offs | -65.6566% | 4,312 |
| Earnings coverage of net charge-offs (x) | 0.7071% | 3,353 |
| Efficiency ratio | 95.8726% | 265 |
| Assets per employee ($millions) | 3.2374% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 3,989 |
| Loan loss allowance to noncurrent loans | 765.0000% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.8744% | 2,028 |
| Noncurrent loans to loans | 0.1340% | 4,580 |
| Net loans and leases to total assets | 70.1864% | 2,499 |
| Net loans and leases to deposits | 79.8880% | 2,922 |
| Net loans and leases to core deposits | 98.5783% | 1,759 |
| Total domestic deposits to total assets | 87.8560% | 1,529 |
| Equity capital to assets | 11.8019% | 2,071 |
| Core capital (leverage) ratio | 13.0612% | 1,155 |
| Tier 1 risk-based capital ratio | 16.0733% | 2,469 |
| Total risk-based capital ratio | 17.0508% | 2,522 |
| Memoranda: | ||
| Average total assets | $78,525,000 | 4,693 |
| Average earning assets | $71,391,000 | 4,711 |
| Average equity | $9,807,330 | 4,540 |
| Average total loans | $53,075,330 | 4,447 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6050% | 1,130 |
| Cost of funding earning assets | 0.3335% | 3,716 |
| Net interest margin | 4.2714% | 846 |
| Noninterest income to average assets | 0.3963% | 3,689 |
| Noninterest expense to average assets | 4.0951% | 482 |
| Loan and lease loss provision to assets | -0.2378% | 5,801 |
| Net operating income to assets | 0.3910% | 4,964 |
| Return on assets (ROA) | 0.3910% | 4,993 |
| Pretax return on assets | 0.3963% | 5,162 |
| Return on Equity (ROE) | 3.0378% | 5,089 |
| Retained earnings to average equity (ytd only) | 3.0378% | 3,894 |
| Net charge-offs to loans | 0.6992% | 250 |
| Credit loss provision to net charge-offs | -51.7241% | 3,873 |
| Earnings coverage of net charge-offs (x) | 0.3448% | 2,824 |
| Efficiency ratio | 96.2733% | 311 |
| Assets per employee ($millions) | 2.9129% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,671 |
| Loan loss allowance to noncurrent loans | 1,370.2128% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.9282% | 1,996 |
| Noncurrent loans to loans | 0.0929% | 4,818 |
| Net loans and leases to total assets | 65.9686% | 2,975 |
| Net loans and leases to deposits | 75.9913% | 3,194 |
| Net loans and leases to core deposits | 86.4574% | 2,678 |
| Total domestic deposits to total assets | 86.8108% | 2,303 |
| Equity capital to assets | 12.9436% | 1,277 |
| Core capital (leverage) ratio | 12.7702% | 1,228 |
| Tier 1 risk-based capital ratio | 17.5628% | 2,019 |
| Total risk-based capital ratio | 18.7310% | 1,991 |
| Memoranda: | ||
| Average total assets | $75,701,000 | 4,801 |
| Average earning assets | $68,361,000 | 4,821 |
| Average equity | $9,744,000 | 4,580 |
| Average total loans | $49,768,000 | 4,571 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9904% | 602 |
| Cost of funding earning assets | 0.3721% | 3,296 |
| Net interest margin | 4.6183% | 493 |
| Noninterest income to average assets | 0.5438% | 2,954 |
| Noninterest expense to average assets | 4.1927% | 491 |
| Loan and lease loss provision to assets | -2.7054% | 5,913 |
| Net operating income to assets | 2.2468% | 214 |
| Return on assets (ROA) | 2.3070% | 207 |
| Pretax return on assets | 3.2680% | 92 |
| Return on Equity (ROE) | 17.9053% | 334 |
| Retained earnings to average equity (ytd only) | 17.9053% | 67 |
| Net charge-offs to loans | -3.1029% | 5,871 |
| Credit loss provision to net charge-offs | 142.7557% | 1,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7695% | 572 |
| Assets per employee ($millions) | 2.6092% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 1,409 |
| Loan loss allowance to noncurrent loans | 241.7445% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 1.2912% | 1,366 |
| Noncurrent loans to loans | 0.6560% | 2,889 |
| Net loans and leases to total assets | 63.6402% | 3,405 |
| Net loans and leases to deposits | 73.0868% | 3,608 |
| Net loans and leases to core deposits | 83.1230% | 3,116 |
| Total domestic deposits to total assets | 87.0748% | 2,104 |
| Equity capital to assets | 12.7997% | 1,349 |
| Core capital (leverage) ratio | 12.7660% | 1,225 |
| Tier 1 risk-based capital ratio | 17.4679% | 2,016 |
| Total risk-based capital ratio | 18.7236% | 1,974 |
| Memoranda: | ||
| Average total assets | $74,296,000 | 4,844 |
| Average earning assets | $66,387,400 | 4,884 |
| Average equity | $9,572,600 | 4,652 |
| Average total loans | $45,376,200 | 4,699 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0782% | 520 |
| Cost of funding earning assets | 0.3756% | 3,274 |
| Net interest margin | 4.7026% | 428 |
| Noninterest income to average assets | 0.5373% | 2,995 |
| Noninterest expense to average assets | 4.1557% | 505 |
| Loan and lease loss provision to assets | -3.5156% | 5,980 |
| Net operating income to assets | 2.8451% | 101 |
| Return on assets (ROA) | 2.9297% | 98 |
| Pretax return on assets | 4.2188% | 64 |
| Return on Equity (ROE) | 22.7001% | 136 |
| Retained earnings to average equity (ytd only) | 22.7001% | 40 |
| Net charge-offs to loans | -4.2647% | 5,939 |
| Credit loss provision to net charge-offs | 137.0344% | 1,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7427% | 689 |
| Assets per employee ($millions) | 2.6775% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8267% | 962 |
| Loan loss allowance to noncurrent loans | 1,289.3939% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.9631% | 2,149 |
| Noncurrent loans to loans | 0.1417% | 4,775 |
| Net loans and leases to total assets | 61.0079% | 3,743 |
| Net loans and leases to deposits | 70.6723% | 3,918 |
| Net loans and leases to core deposits | 80.1588% | 3,431 |
| Total domestic deposits to total assets | 86.3250% | 2,204 |
| Equity capital to assets | 13.1961% | 1,391 |
| Core capital (leverage) ratio | 13.2520% | 1,088 |
| Tier 1 risk-based capital ratio | 19.2149% | 1,626 |
| Total risk-based capital ratio | 20.4708% | 1,579 |
| Memoranda: | ||
| Average total assets | $73,953,500 | 4,889 |
| Average earning assets | $66,032,500 | 4,931 |
| Average equity | $9,544,500 | 4,699 |
| Average total loans | $44,487,750 | 4,772 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3205% | 342 |
| Cost of funding earning assets | 0.3872% | 3,181 |
| Net interest margin | 4.9333% | 297 |
| Noninterest income to average assets | 0.5053% | 3,159 |
| Noninterest expense to average assets | 4.0073% | 584 |
| Loan and lease loss provision to assets | -5.2435% | 6,058 |
| Net operating income to assets | 5.6171% | 27 |
| Return on assets (ROA) | 5.7896% | 27 |
| Pretax return on assets | 6.3248% | 40 |
| Return on Equity (ROE) | 45.2042% | 14 |
| Retained earnings to average equity (ytd only) | 45.2042% | 4 |
| Net charge-offs to loans | -6.4767% | 6,017 |
| Credit loss provision to net charge-offs | 136.1072% | 1,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7627% | 1,297 |
| Assets per employee ($millions) | 2.6556% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 918 |
| Loan loss allowance to noncurrent loans | 2,706.2500% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.9253% | 2,301 |
| Noncurrent loans to loans | 0.0697% | 5,171 |
| Net loans and leases to total assets | 60.6143% | 3,802 |
| Net loans and leases to deposits | 70.7429% | 3,917 |
| Net loans and leases to core deposits | 80.3734% | 3,426 |
| Total domestic deposits to total assets | 85.6826% | 2,567 |
| Equity capital to assets | 13.9355% | 1,050 |
| Core capital (leverage) ratio | 13.8753% | 858 |
| Tier 1 risk-based capital ratio | 20.5527% | 1,337 |
| Total risk-based capital ratio | 21.8086% | 1,316 |
| Memoranda: | ||
| Average total assets | $73,615,000 | 4,942 |
| Average earning assets | $65,595,670 | 4,991 |
| Average equity | $9,428,330 | 4,749 |
| Average total loans | $43,787,670 | 4,837 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0954% | 110 |
| Cost of funding earning assets | 0.3966% | 3,110 |
| Net interest margin | 5.6988% | 90 |
| Noninterest income to average assets | 0.4041% | 3,800 |
| Noninterest expense to average assets | 4.0249% | 585 |
| Loan and lease loss provision to assets | -10.3763% | 6,122 |
| Net operating income to assets | 8.2792% | 25 |
| Return on assets (ROA) | 8.2792% | 24 |
| Pretax return on assets | 11.8563% | 20 |
| Return on Equity (ROE) | 67.6672% | 11 |
| Retained earnings to average equity (ytd only) | 67.6672% | 6 |
| Net charge-offs to loans | -13.2793% | 6,079 |
| Credit loss provision to net charge-offs | 133.9915% | 1,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1151% | 2,619 |
| Assets per employee ($millions) | 2.8698% | 5,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0518% | 753 |
| Loan loss allowance to noncurrent loans | 2,133.3333% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.9355% | 2,372 |
| Noncurrent loans to loans | 0.0962% | 5,087 |
| Net loans and leases to total assets | 57.3257% | 4,112 |
| Net loans and leases to deposits | 67.0066% | 4,155 |
| Net loans and leases to core deposits | 74.8159% | 3,811 |
| Total domestic deposits to total assets | 85.5523% | 2,886 |
| Equity capital to assets | 13.1302% | 1,350 |
| Core capital (leverage) ratio | 11.9455% | 1,644 |
| Tier 1 risk-based capital ratio | 17.4958% | 2,123 |
| Total risk-based capital ratio | 18.7673% | 2,086 |
| Memoranda: | ||
| Average total assets | $73,244,000 | 4,994 |
| Average earning assets | $65,557,500 | 5,033 |
| Average equity | $8,961,500 | 4,868 |
| Average total loans | $42,713,000 | 4,909 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 1,279 |
| Cost of funding earning assets | 0.6130% | 1,296 |
| Net interest margin | 4.0091% | 1,689 |
| Noninterest income to average assets | 0.4249% | 3,854 |
| Noninterest expense to average assets | 3.7707% | 894 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2260% | 5,523 |
| Return on assets (ROA) | 0.2273% | 5,587 |
| Pretax return on assets | 0.2353% | 5,638 |
| Return on Equity (ROE) | 2.1535% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.1535% | 4,491 |
| Net charge-offs to loans | -0.2966% | 6,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1572% | 477 |
| Assets per employee ($millions) | 2.7644% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3000% | 159 |
| Loan loss allowance to noncurrent loans | 447.4026% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 1.3412% | 1,574 |
| Noncurrent loans to loans | 0.7376% | 2,963 |
| Net loans and leases to total assets | 56.1803% | 4,285 |
| Net loans and leases to deposits | 63.4960% | 4,505 |
| Net loans and leases to core deposits | 71.4888% | 4,178 |
| Total domestic deposits to total assets | 88.4784% | 1,392 |
| Equity capital to assets | 11.3059% | 2,535 |
| Core capital (leverage) ratio | 9.8063% | 3,758 |
| Tier 1 risk-based capital ratio | 14.2139% | 3,601 |
| Total risk-based capital ratio | 15.5029% | 3,492 |
| Memoranda: | ||
| Average total assets | $74,363,400 | 4,982 |
| Average earning assets | $66,398,200 | 5,032 |
| Average equity | $7,847,600 | 5,089 |
| Average total loans | $40,454,000 | 4,993 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5838% | 1,373 |
| Cost of funding earning assets | 0.6659% | 998 |
| Net interest margin | 3.9178% | 1,973 |
| Noninterest income to average assets | 0.3983% | 4,096 |
| Noninterest expense to average assets | 3.6575% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2223% | 5,636 |
| Return on assets (ROA) | 0.2240% | 5,697 |
| Pretax return on assets | 0.2365% | 5,744 |
| Return on Equity (ROE) | 2.1599% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.1599% | 4,805 |
| Net charge-offs to loans | -0.3090% | 6,089 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9698% | 489 |
| Assets per employee ($millions) | 2.9715% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3171% | 176 |
| Loan loss allowance to noncurrent loans | 267.5248% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 1.6280% | 1,357 |
| Noncurrent loans to loans | 1.2399% | 2,063 |
| Net loans and leases to total assets | 55.2148% | 4,444 |
| Net loans and leases to deposits | 62.3656% | 4,695 |
| Net loans and leases to core deposits | 71.2500% | 4,252 |
| Total domestic deposits to total assets | 88.5341% | 1,285 |
| Equity capital to assets | 11.0228% | 2,999 |
| Core capital (leverage) ratio | 8.9782% | 5,016 |
| Tier 1 risk-based capital ratio | 14.3350% | 3,662 |
| Total risk-based capital ratio | 15.6307% | 3,554 |
| Memoranda: | ||
| Average total assets | $74,985,750 | 5,028 |
| Average earning assets | $66,871,750 | 5,080 |
| Average equity | $7,778,000 | 5,165 |
| Average total loans | $40,128,250 | 5,059 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 1,703 |
| Cost of funding earning assets | 0.6803% | 928 |
| Net interest margin | 3.7639% | 2,462 |
| Noninterest income to average assets | 0.3805% | 4,230 |
| Noninterest expense to average assets | 3.5219% | 1,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2099% | 5,670 |
| Return on assets (ROA) | 0.2099% | 5,736 |
| Pretax return on assets | 0.2126% | 5,795 |
| Return on Equity (ROE) | 2.0644% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.0644% | 4,669 |
| Net charge-offs to loans | -0.1102% | 5,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3078% | 505 |
| Assets per employee ($millions) | 2.9027% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1401% | 234 |
| Loan loss allowance to noncurrent loans | 248.5437% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 1.5516% | 1,572 |
| Noncurrent loans to loans | 1.2634% | 2,133 |
| Net loans and leases to total assets | 52.3168% | 4,727 |
| Net loans and leases to deposits | 58.5471% | 4,951 |
| Net loans and leases to core deposits | 66.2778% | 4,631 |
| Total domestic deposits to total assets | 89.3585% | 971 |
| Equity capital to assets | 10.2042% | 3,803 |
| Core capital (leverage) ratio | 7.9808% | 5,941 |
| Tier 1 risk-based capital ratio | 13.2768% | 4,360 |
| Total risk-based capital ratio | 14.5793% | 4,255 |
| Memoranda: | ||
| Average total assets | $76,209,000 | 5,050 |
| Average earning assets | $67,909,000 | 5,104 |
| Average equity | $7,750,330 | 5,209 |
| Average total loans | $39,928,330 | 5,107 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 1,841 |
| Cost of funding earning assets | 0.6683% | 1,006 |
| Net interest margin | 3.7110% | 2,580 |
| Noninterest income to average assets | 0.3656% | 4,287 |
| Noninterest expense to average assets | 3.5519% | 1,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1515% | 5,783 |
| Return on assets (ROA) | 0.1515% | 5,856 |
| Pretax return on assets | 0.1201% | 5,929 |
| Return on Equity (ROE) | 1.4920% | 5,809 |
| Retained earnings to average equity (ytd only) | 1.4920% | 4,891 |
| Net charge-offs to loans | -0.1417% | 5,963 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7283% | 475 |
| Assets per employee ($millions) | 3.6878% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1566% | 255 |
| Loan loss allowance to noncurrent loans | 237.7570% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 1.7703% | 1,385 |
| Noncurrent loans to loans | 1.3277% | 2,168 |
| Net loans and leases to total assets | 50.3900% | 4,804 |
| Net loans and leases to deposits | 56.6674% | 5,009 |
| Net loans and leases to core deposits | 64.2296% | 4,674 |
| Total domestic deposits to total assets | 88.9223% | 1,321 |
| Equity capital to assets | 10.3081% | 3,767 |
| Core capital (leverage) ratio | 8.3274% | 5,699 |
| Tier 1 risk-based capital ratio | 13.4537% | 4,347 |
| Total risk-based capital ratio | 14.7204% | 4,257 |
| Memoranda: | ||
| Average total assets | $76,579,000 | 5,097 |
| Average earning assets | $68,230,000 | 5,138 |
| Average equity | $7,775,000 | 5,248 |
| Average total loans | $39,511,000 | 5,154 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 2,521 |
| Cost of funding earning assets | 0.8006% | 650 |
| Net interest margin | 3.5212% | 3,711 |
| Noninterest income to average assets | -1.0913% | 6,504 |
| Noninterest expense to average assets | 3.8263% | 951 |
| Loan and lease loss provision to assets | 1.4293% | 58 |
| Net operating income to assets | -2.0191% | 6,455 |
| Return on assets (ROA) | -2.0156% | 6,454 |
| Pretax return on assets | -3.2671% | 6,481 |
| Return on Equity (ROE) | -18.6680% | 6,435 |
| Retained earnings to average equity (ytd only) | -18.6680% | 6,416 |
| Net charge-offs to loans | 3.8932% | 17 |
| Credit loss provision to net charge-offs | 71.4383% | 3,033 |
| Earnings coverage of net charge-offs (x) | -0.9213% | 4,792 |
| Efficiency ratio | 192.9500% | 23 |
| Assets per employee ($millions) | 3.6054% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2485% | 229 |
| Loan loss allowance to noncurrent loans | 117.9007% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 2.5134% | 917 |
| Noncurrent loans to loans | 2.7553% | 871 |
| Net loans and leases to total assets | 49.4862% | 5,019 |
| Net loans and leases to deposits | 55.6624% | 5,201 |
| Net loans and leases to core deposits | 62.7489% | 4,940 |
| Total domestic deposits to total assets | 88.9043% | 1,289 |
| Equity capital to assets | 9.9942% | 4,120 |
| Core capital (leverage) ratio | 8.1446% | 5,896 |
| Tier 1 risk-based capital ratio | 13.3716% | 4,483 |
| Total risk-based capital ratio | 14.6416% | 4,410 |
| Memoranda: | ||
| Average total assets | $73,674,800 | 5,193 |
| Average earning assets | $64,324,200 | 5,270 |
| Average equity | $7,954,800 | 5,213 |
| Average total loans | $37,861,200 | 5,262 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 2,417 |
| Cost of funding earning assets | 0.8384% | 563 |
| Net interest margin | 3.5129% | 3,775 |
| Noninterest income to average assets | -1.6091% | 6,587 |
| Noninterest expense to average assets | 3.5262% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.7789% | 6,519 |
| Return on assets (ROA) | -1.7804% | 6,518 |
| Pretax return on assets | -2.0829% | 6,525 |
| Return on Equity (ROE) | -16.1782% | 6,490 |
| Retained earnings to average equity (ytd only) | -16.1782% | 6,455 |
| Net charge-offs to loans | 1.6398% | 134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -2.4665% | 4,580 |
| Efficiency ratio | 244.0101% | 16 |
| Assets per employee ($millions) | 3.3744% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1686% | 299 |
| Loan loss allowance to noncurrent loans | 51.9897% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 4.2741% | 440 |
| Noncurrent loans to loans | 6.0947% | 226 |
| Net loans and leases to total assets | 50.0155% | 5,007 |
| Net loans and leases to deposits | 56.1623% | 5,227 |
| Net loans and leases to core deposits | 63.3986% | 4,937 |
| Total domestic deposits to total assets | 89.0553% | 1,206 |
| Equity capital to assets | 10.5689% | 3,471 |
| Core capital (leverage) ratio | 9.6264% | 4,194 |
| Tier 1 risk-based capital ratio | 15.6131% | 3,253 |
| Total risk-based capital ratio | 16.8808% | 3,184 |
| Memoranda: | ||
| Average total assets | $73,165,000 | 5,260 |
| Average earning assets | $63,612,000 | 5,351 |
| Average equity | $8,051,750 | 5,236 |
| Average total loans | $37,645,000 | 5,317 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 2,340 |
| Cost of funding earning assets | 0.8450% | 572 |
| Net interest margin | 3.5139% | 3,726 |
| Noninterest income to average assets | -0.0192% | 6,578 |
| Noninterest expense to average assets | 3.4996% | 1,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0467% | 6,219 |
| Return on assets (ROA) | -0.0467% | 6,237 |
| Pretax return on assets | -0.4917% | 6,419 |
| Return on Equity (ROE) | -0.4187% | 6,233 |
| Retained earnings to average equity (ytd only) | -0.4187% | 5,756 |
| Net charge-offs to loans | 2.3789% | 84 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.4022% | 4,171 |
| Efficiency ratio | 116.3470% | 174 |
| Assets per employee ($millions) | 3.7405% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2161% | 299 |
| Loan loss allowance to noncurrent loans | 50.5945% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 5.6530% | 289 |
| Noncurrent loans to loans | 6.3567% | 228 |
| Net loans and leases to total assets | 49.6391% | 5,000 |
| Net loans and leases to deposits | 56.2916% | 5,170 |
| Net loans and leases to core deposits | 63.2861% | 4,883 |
| Total domestic deposits to total assets | 88.1821% | 1,802 |
| Equity capital to assets | 11.5305% | 2,394 |
| Core capital (leverage) ratio | 11.0002% | 2,429 |
| Tier 1 risk-based capital ratio | 16.6291% | 2,770 |
| Total risk-based capital ratio | 17.8942% | 2,731 |
| Memoranda: | ||
| Average total assets | $72,807,670 | 5,317 |
| Average earning assets | $62,722,000 | 5,431 |
| Average equity | $8,120,330 | 5,238 |
| Average total loans | $37,411,670 | 5,357 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3274% | 2,421 |
| Cost of funding earning assets | 0.8733% | 523 |
| Net interest margin | 3.4541% | 3,884 |
| Noninterest income to average assets | -0.5403% | 6,718 |
| Noninterest expense to average assets | 3.3813% | 1,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4512% | 6,454 |
| Return on assets (ROA) | -0.4512% | 6,458 |
| Pretax return on assets | -0.9693% | 6,554 |
| Return on Equity (ROE) | -4.1182% | 6,446 |
| Retained earnings to average equity (ytd only) | -4.1182% | 6,071 |
| Net charge-offs to loans | 5.0037% | 24 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.3766% | 3,466 |
| Efficiency ratio | 140.1848% | 87 |
| Assets per employee ($millions) | 2.9236% | 5,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3008% | 327 |
| Loan loss allowance to noncurrent loans | 23.5249% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 9.5443% | 123 |
| Noncurrent loans to loans | 14.0313% | 47 |
| Net loans and leases to total assets | 48.7379% | 5,032 |
| Net loans and leases to deposits | 54.9746% | 5,202 |
| Net loans and leases to core deposits | 62.1932% | 4,860 |
| Total domestic deposits to total assets | 88.6552% | 1,861 |
| Equity capital to assets | 11.0725% | 2,662 |
| Core capital (leverage) ratio | 10.8001% | 2,600 |
| Tier 1 risk-based capital ratio | 16.7001% | 2,814 |
| Total risk-based capital ratio | 17.9665% | 2,770 |
| Memoranda: | ||
| Average total assets | $71,806,500 | 5,391 |
| Average earning assets | $61,376,000 | 5,531 |
| Average equity | $7,867,500 | 5,333 |
| Average total loans | $36,933,000 | 5,430 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 3,391 |
| Cost of funding earning assets | 1.0627% | 335 |
| Net interest margin | 3.1240% | 5,244 |
| Noninterest income to average assets | 0.4392% | 4,170 |
| Noninterest expense to average assets | 3.4767% | 1,712 |
| Loan and lease loss provision to assets | -2.1591% | 6,809 |
| Net operating income to assets | 1.5375% | 769 |
| Return on assets (ROA) | 1.4497% | 959 |
| Pretax return on assets | 1.7405% | 873 |
| Return on Equity (ROE) | 12.2150% | 1,350 |
| Retained earnings to average equity (ytd only) | 12.2150% | 296 |
| Net charge-offs to loans | 1.0710% | 529 |
| Credit loss provision to net charge-offs | -393.0481% | 6,101 |
| Earnings coverage of net charge-offs (x) | -0.5695% | 5,212 |
| Efficiency ratio | 109.8886% | 271 |
| Assets per employee ($millions) | 3.2055% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5345% | 132 |
| Loan loss allowance to noncurrent loans | 29.4200% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 10.9001% | 108 |
| Noncurrent loans to loans | 15.4131% | 36 |
| Net loans and leases to total assets | 50.1234% | 5,070 |
| Net loans and leases to deposits | 56.4385% | 5,260 |
| Net loans and leases to core deposits | 63.8454% | 4,883 |
| Total domestic deposits to total assets | 88.8106% | 1,745 |
| Equity capital to assets | 10.8363% | 2,780 |
| Core capital (leverage) ratio | 11.5339% | 1,940 |
| Tier 1 risk-based capital ratio | 17.3015% | 2,491 |
| Total risk-based capital ratio | 18.5796% | 2,455 |
| Memoranda: | ||
| Average total assets | $68,082,600 | 5,537 |
| Average earning assets | $59,378,200 | 5,610 |
| Average equity | $8,080,200 | 5,313 |
| Average total loans | $34,921,400 | 5,540 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 3,616 |
| Cost of funding earning assets | 1.1144% | 292 |
| Net interest margin | 3.0219% | 5,538 |
| Noninterest income to average assets | 0.4604% | 4,075 |
| Noninterest expense to average assets | 3.3949% | 1,836 |
| Loan and lease loss provision to assets | -2.9048% | 6,891 |
| Net operating income to assets | 1.7710% | 561 |
| Return on assets (ROA) | 1.6757% | 681 |
| Pretax return on assets | 2.4859% | 249 |
| Return on Equity (ROE) | 13.8055% | 1,036 |
| Retained earnings to average equity (ytd only) | 13.8055% | 265 |
| Net charge-offs to loans | 1.4769% | 320 |
| Credit loss provision to net charge-offs | -385.8268% | 6,008 |
| Earnings coverage of net charge-offs (x) | -0.3674% | 4,937 |
| Efficiency ratio | 108.8720% | 286 |
| Assets per employee ($millions) | 3.3627% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6257% | 149 |
| Loan loss allowance to noncurrent loans | 29.0429% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 11.5043% | 98 |
| Noncurrent loans to loans | 15.9271% | 40 |
| Net loans and leases to total assets | 51.2602% | 4,975 |
| Net loans and leases to deposits | 58.4315% | 5,145 |
| Net loans and leases to core deposits | 67.0844% | 4,614 |
| Total domestic deposits to total assets | 87.7269% | 2,283 |
| Equity capital to assets | 11.5712% | 2,245 |
| Core capital (leverage) ratio | 11.4952% | 2,048 |
| Tier 1 risk-based capital ratio | 17.3796% | 2,548 |
| Total risk-based capital ratio | 18.6600% | 2,511 |
| Memoranda: | ||
| Average total assets | $67,472,750 | 5,611 |
| Average earning assets | $59,342,250 | 5,670 |
| Average equity | $8,189,750 | 5,339 |
| Average total loans | $34,395,000 | 5,614 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9274% | 4,367 |
| Cost of funding earning assets | 1.1312% | 289 |
| Net interest margin | 2.7962% | 6,005 |
| Noninterest income to average assets | 0.4708% | 4,022 |
| Noninterest expense to average assets | 3.5117% | 1,579 |
| Loan and lease loss provision to assets | -4.3526% | 6,940 |
| Net operating income to assets | 2.5146% | 172 |
| Return on assets (ROA) | 2.3717% | 209 |
| Pretax return on assets | 3.5650% | 103 |
| Return on Equity (ROE) | 19.2417% | 364 |
| Retained earnings to average equity (ytd only) | 19.2417% | 102 |
| Net charge-offs to loans | 2.3187% | 170 |
| Credit loss provision to net charge-offs | -375.0000% | 5,854 |
| Earnings coverage of net charge-offs (x) | -0.4949% | 4,661 |
| Efficiency ratio | 119.5565% | 185 |
| Assets per employee ($millions) | 3.5558% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7342% | 145 |
| Loan loss allowance to noncurrent loans | 28.0859% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 11.1003% | 123 |
| Noncurrent loans to loans | 16.8562% | 35 |
| Net loans and leases to total assets | 46.9999% | 5,425 |
| Net loans and leases to deposits | 53.2951% | 5,579 |
| Net loans and leases to core deposits | 60.3757% | 5,231 |
| Total domestic deposits to total assets | 88.1881% | 2,118 |
| Equity capital to assets | 11.3408% | 2,428 |
| Core capital (leverage) ratio | 12.0822% | 1,575 |
| Tier 1 risk-based capital ratio | 18.3518% | 2,193 |
| Total risk-based capital ratio | 19.6349% | 2,145 |
| Memoranda: | ||
| Average total assets | $67,546,000 | 5,647 |
| Average earning assets | $59,581,330 | 5,708 |
| Average equity | $8,325,670 | 5,358 |
| Average total loans | $33,811,330 | 5,677 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8817% | 4,542 |
| Cost of funding earning assets | 1.1534% | 286 |
| Net interest margin | 2.7282% | 6,170 |
| Noninterest income to average assets | 0.4379% | 4,195 |
| Noninterest expense to average assets | 3.7408% | 1,187 |
| Loan and lease loss provision to assets | 0.1825% | 2,028 |
| Net operating income to assets | -0.5521% | 6,696 |
| Return on assets (ROA) | -0.7117% | 6,755 |
| Pretax return on assets | -1.3321% | 6,863 |
| Return on Equity (ROE) | -5.5345% | 6,710 |
| Retained earnings to average equity (ytd only) | -5.5345% | 6,401 |
| Net charge-offs to loans | 4.7265% | 51 |
| Credit loss provision to net charge-offs | 7.6531% | 3,173 |
| Earnings coverage of net charge-offs (x) | -0.3776% | 3,909 |
| Efficiency ratio | 131.6916% | 139 |
| Assets per employee ($millions) | 3.4375% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7809% | 16 |
| Loan loss allowance to noncurrent loans | 52.6658% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 12.2489% | 125 |
| Noncurrent loans to loans | 18.5717% | 37 |
| Net loans and leases to total assets | 44.6426% | 5,595 |
| Net loans and leases to deposits | 51.3382% | 5,680 |
| Net loans and leases to core deposits | 58.9519% | 5,251 |
| Total domestic deposits to total assets | 86.9580% | 2,986 |
| Equity capital to assets | 12.6546% | 1,614 |
| Core capital (leverage) ratio | 10.8354% | 2,419 |
| Tier 1 risk-based capital ratio | 18.4185% | 2,221 |
| Total risk-based capital ratio | 19.7578% | 2,158 |
| Memoranda: | ||
| Average total assets | $65,761,500 | 5,745 |
| Average earning assets | $57,913,500 | 5,799 |
| Average equity | $8,456,000 | 5,370 |
| Average total loans | $33,174,500 | 5,740 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8006% | 2,192 |
| Cost of funding earning assets | 1.1861% | 623 |
| Net interest margin | 3.6145% | 4,023 |
| Noninterest income to average assets | 0.0549% | 6,667 |
| Noninterest expense to average assets | 3.4968% | 1,819 |
| Loan and lease loss provision to assets | 1.3727% | 248 |
| Net operating income to assets | -0.7162% | 6,656 |
| Return on assets (ROA) | -0.4110% | 6,566 |
| Pretax return on assets | -1.1154% | 6,764 |
| Return on Equity (ROE) | -3.0330% | 6,500 |
| Retained earnings to average equity (ytd only) | -3.0330% | 6,269 |
| Net charge-offs to loans | 0.2329% | 3,542 |
| Credit loss provision to net charge-offs | 1,054.2169% | 248 |
| Earnings coverage of net charge-offs (x) | -1.6867% | 5,819 |
| Efficiency ratio | 106.7018% | 394 |
| Assets per employee ($millions) | 3.4848% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.3523% | 13 |
| Loan loss allowance to noncurrent loans | 66.1224% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 10.7384% | 190 |
| Noncurrent loans to loans | 15.6563% | 69 |
| Net loans and leases to total assets | 46.0769% | 5,606 |
| Net loans and leases to deposits | 53.2826% | 5,719 |
| Net loans and leases to core deposits | 61.1052% | 5,262 |
| Total domestic deposits to total assets | 86.4766% | 3,111 |
| Equity capital to assets | 13.0598% | 1,413 |
| Core capital (leverage) ratio | 11.1466% | 2,129 |
| Tier 1 risk-based capital ratio | 19.2636% | 1,876 |
| Total risk-based capital ratio | 20.6148% | 1,819 |
| Memoranda: | ||
| Average total assets | $63,743,800 | 5,828 |
| Average earning assets | $56,826,200 | 5,842 |
| Average equity | $8,638,200 | 5,323 |
| Average total loans | $35,641,800 | 5,694 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7978% | 2,397 |
| Cost of funding earning assets | 1.1812% | 753 |
| Net interest margin | 3.6165% | 4,164 |
| Noninterest income to average assets | -0.0613% | 6,998 |
| Noninterest expense to average assets | 3.5209% | 1,709 |
| Loan and lease loss provision to assets | 1.8481% | 144 |
| Net operating income to assets | -1.2980% | 6,926 |
| Return on assets (ROA) | -0.8871% | 6,856 |
| Pretax return on assets | -1.5418% | 6,965 |
| Return on Equity (ROE) | -6.4844% | 6,771 |
| Retained earnings to average equity (ytd only) | -6.4844% | 6,695 |
| Net charge-offs to loans | 0.2441% | 3,254 |
| Credit loss provision to net charge-offs | 1,325.7576% | 209 |
| Earnings coverage of net charge-offs (x) | -2.4090% | 5,667 |
| Efficiency ratio | 110.5438% | 298 |
| Assets per employee ($millions) | 3.4503% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4284% | 18 |
| Loan loss allowance to noncurrent loans | 67.0709% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 10.7694% | 201 |
| Noncurrent loans to loans | 14.0574% | 108 |
| Net loans and leases to total assets | 51.8732% | 5,068 |
| Net loans and leases to deposits | 59.9320% | 5,214 |
| Net loans and leases to core deposits | 68.8158% | 4,636 |
| Total domestic deposits to total assets | 86.5535% | 2,947 |
| Equity capital to assets | 12.9203% | 1,636 |
| Core capital (leverage) ratio | 11.8688% | 1,735 |
| Tier 1 risk-based capital ratio | 18.9774% | 2,018 |
| Total risk-based capital ratio | 20.3209% | 1,960 |
| Memoranda: | ||
| Average total assets | $63,127,000 | 5,910 |
| Average earning assets | $56,664,000 | 5,917 |
| Average equity | $8,636,000 | 5,368 |
| Average total loans | $36,044,500 | 5,752 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 1,805 |
| Cost of funding earning assets | 1.1927% | 845 |
| Net interest margin | 3.8008% | 3,355 |
| Noninterest income to average assets | 0.3562% | 4,980 |
| Noninterest expense to average assets | 3.5688% | 1,644 |
| Loan and lease loss provision to assets | 2.4070% | 93 |
| Net operating income to assets | -0.8941% | 6,883 |
| Return on assets (ROA) | -0.6066% | 6,807 |
| Pretax return on assets | -1.7748% | 7,046 |
| Return on Equity (ROE) | -4.3492% | 6,743 |
| Retained earnings to average equity (ytd only) | -4.3492% | 6,578 |
| Net charge-offs to loans | 0.3151% | 2,769 |
| Credit loss provision to net charge-offs | 1,339.2857% | 244 |
| Earnings coverage of net charge-offs (x) | 1.0179% | 4,516 |
| Efficiency ratio | 95.1240% | 745 |
| Assets per employee ($millions) | 3.5078% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.6896% | 17 |
| Loan loss allowance to noncurrent loans | 111.5635% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 8.0582% | 424 |
| Noncurrent loans to loans | 8.6853% | 371 |
| Net loans and leases to total assets | 50.5567% | 5,289 |
| Net loans and leases to deposits | 59.0601% | 5,331 |
| Net loans and leases to core deposits | 69.0609% | 4,658 |
| Total domestic deposits to total assets | 85.6021% | 3,565 |
| Equity capital to assets | 13.8420% | 1,168 |
| Core capital (leverage) ratio | 12.6626% | 1,288 |
| Tier 1 risk-based capital ratio | 19.5305% | 1,844 |
| Total risk-based capital ratio | 20.8722% | 1,778 |
| Memoranda: | ||
| Average total assets | $62,317,330 | 5,965 |
| Average earning assets | $55,672,000 | 5,976 |
| Average equity | $8,691,330 | 5,360 |
| Average total loans | $35,544,000 | 5,810 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2586% | 1,194 |
| Cost of funding earning assets | 1.2348% | 827 |
| Net interest margin | 4.0239% | 2,405 |
| Noninterest income to average assets | 0.2972% | 5,496 |
| Noninterest expense to average assets | 3.7283% | 1,337 |
| Loan and lease loss provision to assets | 2.4230% | 107 |
| Net operating income to assets | -0.8304% | 6,963 |
| Return on assets (ROA) | -0.5492% | 6,879 |
| Pretax return on assets | -1.8351% | 7,119 |
| Return on Equity (ROE) | -3.9229% | 6,804 |
| Retained earnings to average equity (ytd only) | -3.9229% | 6,487 |
| Net charge-offs to loans | 0.3142% | 2,389 |
| Credit loss provision to net charge-offs | 1,339.2857% | 259 |
| Earnings coverage of net charge-offs (x) | 0.8214% | 3,917 |
| Efficiency ratio | 96.1667% | 713 |
| Assets per employee ($millions) | 3.4683% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6456% | 22 |
| Loan loss allowance to noncurrent loans | 54.8859% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 12.2315% | 196 |
| Noncurrent loans to loans | 15.7519% | 112 |
| Net loans and leases to total assets | 52.0976% | 5,012 |
| Net loans and leases to deposits | 60.6271% | 5,076 |
| Net loans and leases to core deposits | 70.1886% | 4,384 |
| Total domestic deposits to total assets | 85.9312% | 3,568 |
| Equity capital to assets | 13.6747% | 1,160 |
| Core capital (leverage) ratio | 12.9886% | 1,132 |
| Tier 1 risk-based capital ratio | 19.5250% | 1,831 |
| Total risk-based capital ratio | 20.8535% | 1,787 |
| Memoranda: | ||
| Average total assets | $61,905,500 | 6,012 |
| Average earning assets | $55,071,500 | 6,028 |
| Average equity | $8,667,000 | 5,374 |
| Average total loans | $35,642,500 | 5,840 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2823% | 1,763 |
| Cost of funding earning assets | 1.4258% | 936 |
| Net interest margin | 3.8566% | 3,533 |
| Noninterest income to average assets | 0.7859% | 2,138 |
| Noninterest expense to average assets | 3.3154% | 2,476 |
| Loan and lease loss provision to assets | 2.3863% | 196 |
| Net operating income to assets | -0.8177% | 6,666 |
| Return on assets (ROA) | -0.4359% | 6,493 |
| Pretax return on assets | -0.8336% | 6,663 |
| Return on Equity (ROE) | -3.0810% | 6,417 |
| Retained earnings to average equity (ytd only) | -3.0810% | 6,284 |
| Net charge-offs to loans | 1.4658% | 1,101 |
| Credit loss provision to net charge-offs | 259.9653% | 928 |
| Earnings coverage of net charge-offs (x) | 1.0416% | 5,010 |
| Efficiency ratio | 77.6164% | 2,642 |
| Assets per employee ($millions) | 3.6107% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6535% | 38 |
| Loan loss allowance to noncurrent loans | 87.5882% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 8.6703% | 426 |
| Noncurrent loans to loans | 8.7381% | 416 |
| Net loans and leases to total assets | 53.6835% | 5,087 |
| Net loans and leases to deposits | 63.4192% | 5,076 |
| Net loans and leases to core deposits | 73.7742% | 4,274 |
| Total domestic deposits to total assets | 84.6486% | 4,020 |
| Equity capital to assets | 14.3316% | 956 |
| Core capital (leverage) ratio | 13.3350% | 1,027 |
| Tier 1 risk-based capital ratio | 19.5454% | 1,742 |
| Total risk-based capital ratio | 20.8623% | 1,691 |
| Memoranda: | ||
| Average total assets | $62,858,400 | 5,962 |
| Average earning assets | $56,812,000 | 5,953 |
| Average equity | $8,893,200 | 5,308 |
| Average total loans | $39,365,000 | 5,721 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 1,410 |
| Cost of funding earning assets | 1.4764% | 938 |
| Net interest margin | 3.9636% | 3,083 |
| Noninterest income to average assets | 0.9552% | 1,467 |
| Noninterest expense to average assets | 3.2369% | 2,711 |
| Loan and lease loss provision to assets | 2.3723% | 198 |
| Net operating income to assets | -0.5679% | 6,677 |
| Return on assets (ROA) | -0.4829% | 6,675 |
| Pretax return on assets | -0.9321% | 6,846 |
| Return on Equity (ROE) | -3.4240% | 6,593 |
| Retained earnings to average equity (ytd only) | -3.4240% | 6,466 |
| Net charge-offs to loans | 0.4435% | 2,950 |
| Credit loss provision to net charge-offs | 839.5522% | 318 |
| Earnings coverage of net charge-offs (x) | 4.6269% | 3,004 |
| Efficiency ratio | 71.2297% | 3,700 |
| Assets per employee ($millions) | 3.5692% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4870% | 37 |
| Loan loss allowance to noncurrent loans | 154.1300% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 6.3929% | 816 |
| Noncurrent loans to loans | 4.8576% | 1,309 |
| Net loans and leases to total assets | 57.0002% | 4,687 |
| Net loans and leases to deposits | 67.7851% | 4,649 |
| Net loans and leases to core deposits | 79.0989% | 3,759 |
| Total domestic deposits to total assets | 84.0895% | 4,186 |
| Equity capital to assets | 15.1375% | 818 |
| Core capital (leverage) ratio | 13.3761% | 1,085 |
| Tier 1 risk-based capital ratio | 19.7263% | 1,752 |
| Total risk-based capital ratio | 21.0442% | 1,709 |
| Memoranda: | ||
| Average total assets | $63,227,500 | 5,992 |
| Average earning assets | $57,253,500 | 5,999 |
| Average equity | $8,917,250 | 5,331 |
| Average total loans | $40,285,500 | 5,731 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3332% | 1,774 |
| Cost of funding earning assets | 1.5292% | 900 |
| Net interest margin | 3.8040% | 3,763 |
| Noninterest income to average assets | 1.2142% | 863 |
| Noninterest expense to average assets | 3.4739% | 2,053 |
| Loan and lease loss provision to assets | 2.3409% | 229 |
| Net operating income to assets | -0.6159% | 6,768 |
| Return on assets (ROA) | -0.4900% | 6,707 |
| Pretax return on assets | -0.9488% | 6,883 |
| Return on Equity (ROE) | -3.5569% | 6,626 |
| Retained earnings to average equity (ytd only) | -3.5569% | 6,426 |
| Net charge-offs to loans | 0.6594% | 2,195 |
| Credit loss provision to net charge-offs | 551.4706% | 560 |
| Earnings coverage of net charge-offs (x) | 2.8162% | 3,440 |
| Efficiency ratio | 74.3984% | 3,290 |
| Assets per employee ($millions) | 3.5139% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4582% | 75 |
| Loan loss allowance to noncurrent loans | 150.3414% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 5.9003% | 955 |
| Noncurrent loans to loans | 4.2957% | 1,571 |
| Net loans and leases to total assets | 55.4632% | 5,076 |
| Net loans and leases to deposits | 65.1071% | 5,132 |
| Net loans and leases to core deposits | 76.5376% | 4,246 |
| Total domestic deposits to total assets | 85.1876% | 3,790 |
| Equity capital to assets | 14.1990% | 1,030 |
| Core capital (leverage) ratio | 13.3397% | 1,050 |
| Tier 1 risk-based capital ratio | 19.6092% | 1,689 |
| Total risk-based capital ratio | 20.9143% | 1,650 |
| Memoranda: | ||
| Average total assets | $64,077,670 | 6,012 |
| Average earning assets | $58,201,330 | 6,016 |
| Average equity | $8,828,000 | 5,368 |
| Average total loans | $41,252,330 | 5,748 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3100% | 1,840 |
| Cost of funding earning assets | 1.5917% | 844 |
| Net interest margin | 3.7184% | 4,005 |
| Noninterest income to average assets | 1.9786% | 359 |
| Noninterest expense to average assets | 3.4734% | 2,079 |
| Loan and lease loss provision to assets | 2.3259% | 226 |
| Net operating income to assets | -0.1427% | 6,500 |
| Return on assets (ROA) | -0.1427% | 6,519 |
| Pretax return on assets | -0.4156% | 6,695 |
| Return on Equity (ROE) | -1.0512% | 6,489 |
| Retained earnings to average equity (ytd only) | -1.0512% | 5,996 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5161% | 5,273 |
| Assets per employee ($millions) | 3.3939% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3417% | 154 |
| Loan loss allowance to noncurrent loans | 65.6937% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 5.6540% | 1,054 |
| Noncurrent loans to loans | 8.1313% | 599 |
| Net loans and leases to total assets | 59.9891% | 4,261 |
| Net loans and leases to deposits | 69.8166% | 4,370 |
| Net loans and leases to core deposits | 81.6704% | 3,499 |
| Total domestic deposits to total assets | 85.9239% | 3,564 |
| Equity capital to assets | 13.5923% | 1,152 |
| Core capital (leverage) ratio | 13.6079% | 937 |
| Tier 1 risk-based capital ratio | 19.6197% | 1,671 |
| Total risk-based capital ratio | 20.9161% | 1,630 |
| Memoranda: | ||
| Average total assets | $64,491,000 | 6,044 |
| Average earning assets | $59,058,000 | 6,028 |
| Average equity | $8,751,500 | 5,394 |
| Average total loans | $43,127,000 | 5,699 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3889% | 2,728 |
| Cost of funding earning assets | 1.7255% | 1,482 |
| Net interest margin | 3.6634% | 4,518 |
| Noninterest income to average assets | 0.5311% | 3,948 |
| Noninterest expense to average assets | 3.5406% | 2,071 |
| Loan and lease loss provision to assets | 3.3185% | 254 |
| Net operating income to assets | -1.7660% | 6,986 |
| Return on assets (ROA) | -1.6278% | 6,971 |
| Pretax return on assets | -2.6974% | 7,221 |
| Return on Equity (ROE) | -10.9594% | 6,768 |
| Retained earnings to average equity (ytd only) | -10.9594% | 6,710 |
| Net charge-offs to loans | 3.8791% | 339 |
| Credit loss provision to net charge-offs | 113.4359% | 3,838 |
| Earnings coverage of net charge-offs (x) | 0.1385% | 5,980 |
| Efficiency ratio | 89.7338% | 1,340 |
| Assets per employee ($millions) | 3.5832% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9835% | 411 |
| Loan loss allowance to noncurrent loans | 26.0181% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 13.3634% | 214 |
| Noncurrent loans to loans | 15.3106% | 156 |
| Net loans and leases to total assets | 67.5675% | 3,089 |
| Net loans and leases to deposits | 78.6951% | 3,393 |
| Net loans and leases to core deposits | 93.0797% | 2,372 |
| Total domestic deposits to total assets | 85.8598% | 3,428 |
| Equity capital to assets | 13.5479% | 1,168 |
| Core capital (leverage) ratio | 13.6271% | 947 |
| Tier 1 risk-based capital ratio | 18.0944% | 1,969 |
| Total risk-based capital ratio | 19.3753% | 1,927 |
| Memoranda: | ||
| Average total assets | $66,655,800 | 5,976 |
| Average earning assets | $62,127,400 | 5,917 |
| Average equity | $9,900,200 | 5,163 |
| Average total loans | $50,270,000 | 5,476 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4309% | 2,739 |
| Cost of funding earning assets | 1.7200% | 1,774 |
| Net interest margin | 3.7109% | 4,352 |
| Noninterest income to average assets | 0.4961% | 4,219 |
| Noninterest expense to average assets | 3.4942% | 2,043 |
| Loan and lease loss provision to assets | 1.4683% | 912 |
| Net operating income to assets | -0.5579% | 6,636 |
| Return on assets (ROA) | -0.3750% | 6,542 |
| Pretax return on assets | -0.7004% | 6,680 |
| Return on Equity (ROE) | -2.4727% | 6,449 |
| Retained earnings to average equity (ytd only) | -2.4727% | 6,277 |
| Net charge-offs to loans | -0.2512% | 7,638 |
| Credit loss provision to net charge-offs | -762.8866% | 7,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8743% | 1,455 |
| Assets per employee ($millions) | 3.2376% | 5,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5696% | 238 |
| Loan loss allowance to noncurrent loans | 50.2319% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 7.6200% | 681 |
| Noncurrent loans to loans | 9.0970% | 520 |
| Net loans and leases to total assets | 76.8575% | 1,247 |
| Net loans and leases to deposits | 91.6298% | 1,498 |
| Net loans and leases to core deposits | 109.9267% | 1,035 |
| Total domestic deposits to total assets | 83.8782% | 4,195 |
| Equity capital to assets | 15.4237% | 789 |
| Core capital (leverage) ratio | 15.1033% | 697 |
| Tier 1 risk-based capital ratio | 19.1484% | 1,718 |
| Total risk-based capital ratio | 20.4409% | 1,680 |
| Memoranda: | ||
| Average total assets | $67,195,500 | 6,023 |
| Average earning assets | $63,020,500 | 5,955 |
| Average equity | $10,190,750 | 5,137 |
| Average total loans | $51,490,750 | 5,504 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3077% | 3,437 |
| Cost of funding earning assets | 1.7326% | 1,954 |
| Net interest margin | 3.5751% | 4,922 |
| Noninterest income to average assets | 0.5234% | 3,930 |
| Noninterest expense to average assets | 3.5377% | 1,935 |
| Loan and lease loss provision to assets | 1.0734% | 1,346 |
| Net operating income to assets | -0.3911% | 6,557 |
| Return on assets (ROA) | -0.3911% | 6,598 |
| Pretax return on assets | -0.7381% | 6,747 |
| Return on Equity (ROE) | -2.5929% | 6,473 |
| Retained earnings to average equity (ytd only) | -2.5929% | 6,236 |
| Net charge-offs to loans | -0.4213% | 7,718 |
| Credit loss provision to net charge-offs | -337.9630% | 6,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3440% | 1,231 |
| Assets per employee ($millions) | 3.5058% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8830% | 404 |
| Loan loss allowance to noncurrent loans | 37.7454% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 8.2165% | 590 |
| Noncurrent loans to loans | 10.2873% | 424 |
| Net loans and leases to total assets | 75.0293% | 1,686 |
| Net loans and leases to deposits | 89.5404% | 1,929 |
| Net loans and leases to core deposits | 104.1991% | 1,618 |
| Total domestic deposits to total assets | 83.7937% | 4,203 |
| Equity capital to assets | 15.2740% | 825 |
| Core capital (leverage) ratio | 14.8831% | 746 |
| Tier 1 risk-based capital ratio | 19.4198% | 1,625 |
| Total risk-based capital ratio | 20.7034% | 1,590 |
| Memoranda: | ||
| Average total assets | $68,010,330 | 6,037 |
| Average earning assets | $63,718,330 | 5,966 |
| Average equity | $10,258,670 | 5,126 |
| Average total loans | $51,271,330 | 5,555 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5541% | 2,347 |
| Cost of funding earning assets | 1.7310% | 2,225 |
| Net interest margin | 3.8231% | 3,694 |
| Noninterest income to average assets | 0.4657% | 4,332 |
| Noninterest expense to average assets | 3.4522% | 2,103 |
| Loan and lease loss provision to assets | 0.3493% | 3,285 |
| Net operating income to assets | 0.2503% | 5,493 |
| Return on assets (ROA) | 0.2503% | 5,617 |
| Pretax return on assets | 0.2387% | 5,770 |
| Return on Equity (ROE) | 1.6697% | 5,896 |
| Retained earnings to average equity (ytd only) | 1.6697% | 5,102 |
| Net charge-offs to loans | -0.9586% | 7,849 |
| Credit loss provision to net charge-offs | -49.1803% | 6,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4467% | 1,856 |
| Assets per employee ($millions) | 3.4650% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3511% | 605 |
| Loan loss allowance to noncurrent loans | 58.4970% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 4.5960% | 1,462 |
| Noncurrent loans to loans | 5.7287% | 1,184 |
| Net loans and leases to total assets | 71.9149% | 2,466 |
| Net loans and leases to deposits | 85.2600% | 2,718 |
| Net loans and leases to core deposits | 102.0059% | 1,907 |
| Total domestic deposits to total assets | 84.3478% | 3,974 |
| Equity capital to assets | 14.9134% | 900 |
| Core capital (leverage) ratio | 14.9049% | 767 |
| Tier 1 risk-based capital ratio | 19.4314% | 1,629 |
| Total risk-based capital ratio | 20.7068% | 1,603 |
| Memoranda: | ||
| Average total assets | $68,710,500 | 6,082 |
| Average earning assets | $64,241,000 | 6,026 |
| Average equity | $10,301,000 | 5,149 |
| Average total loans | $50,909,000 | 5,630 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0372% | 1,723 |
| Cost of funding earning assets | 2.1590% | 2,195 |
| Net interest margin | 3.8782% | 3,359 |
| Noninterest income to average assets | 0.2970% | 5,983 |
| Noninterest expense to average assets | 3.8327% | 1,628 |
| Loan and lease loss provision to assets | 0.3908% | 4,450 |
| Net operating income to assets | -0.2422% | 5,888 |
| Return on assets (ROA) | -0.2785% | 5,941 |
| Pretax return on assets | -0.5244% | 6,030 |
| Return on Equity (ROE) | -1.6209% | 5,797 |
| Retained earnings to average equity (ytd only) | -1.6209% | 5,420 |
| Net charge-offs to loans | 0.7857% | 2,864 |
| Credit loss provision to net charge-offs | 66.7476% | 6,546 |
| Earnings coverage of net charge-offs (x) | -0.1311% | 6,368 |
| Efficiency ratio | 84.5252% | 2,287 |
| Assets per employee ($millions) | 3.4061% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0764% | 731 |
| Loan loss allowance to noncurrent loans | 59.8529% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 4.1309% | 1,587 |
| Noncurrent loans to loans | 5.1400% | 1,299 |
| Net loans and leases to total assets | 71.5007% | 2,885 |
| Net loans and leases to deposits | 84.9605% | 3,098 |
| Net loans and leases to core deposits | 122.3118% | 1,755 |
| Total domestic deposits to total assets | 84.1576% | 3,962 |
| Equity capital to assets | 15.0717% | 889 |
| Core capital (leverage) ratio | 14.4460% | 892 |
| Tier 1 risk-based capital ratio | 19.2992% | 1,592 |
| Total risk-based capital ratio | 20.5694% | 1,550 |
| Memoranda: | ||
| Average total assets | $70,367,400 | 5,991 |
| Average earning assets | $62,760,600 | 6,041 |
| Average equity | $12,092,200 | 4,727 |
| Average total loans | $52,440,000 | 5,570 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0075% | 2,004 |
| Cost of funding earning assets | 2.2227% | 2,300 |
| Net interest margin | 3.7848% | 3,717 |
| Noninterest income to average assets | 0.4173% | 5,154 |
| Noninterest expense to average assets | 3.7125% | 1,790 |
| Loan and lease loss provision to assets | 0.5169% | 3,318 |
| Net operating income to assets | -0.2409% | 6,126 |
| Return on assets (ROA) | -0.2782% | 6,184 |
| Pretax return on assets | -0.5320% | 6,337 |
| Return on Equity (ROE) | -1.5725% | 6,031 |
| Retained earnings to average equity (ytd only) | -1.5725% | 5,627 |
| Net charge-offs to loans | 0.0906% | 5,780 |
| Credit loss provision to net charge-offs | 763.8889% | 500 |
| Earnings coverage of net charge-offs (x) | 0.6390% | 5,389 |
| Efficiency ratio | 82.5826% | 2,500 |
| Assets per employee ($millions) | 3.6435% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5107% | 418 |
| Loan loss allowance to noncurrent loans | 681.9149% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.7356% | 5,658 |
| Noncurrent loans to loans | 0.5148% | 6,276 |
| Net loans and leases to total assets | 72.5302% | 2,911 |
| Net loans and leases to deposits | 88.5753% | 2,855 |
| Net loans and leases to core deposits | 128.9860% | 1,501 |
| Total domestic deposits to total assets | 81.8853% | 4,720 |
| Equity capital to assets | 17.2474% | 597 |
| Core capital (leverage) ratio | 16.8253% | 578 |
| Tier 1 risk-based capital ratio | 20.6070% | 1,439 |
| Total risk-based capital ratio | 21.8815% | 1,387 |
| Memoranda: | ||
| Average total assets | $70,929,000 | 6,016 |
| Average earning assets | $62,564,250 | 6,083 |
| Average equity | $12,548,500 | 4,649 |
| Average total loans | $52,986,750 | 5,595 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6415% | 3,858 |
| Cost of funding earning assets | 2.2307% | 2,662 |
| Net interest margin | 3.4108% | 5,122 |
| Noninterest income to average assets | 0.3927% | 5,352 |
| Noninterest expense to average assets | 3.7335% | 1,771 |
| Loan and lease loss provision to assets | 0.5691% | 2,740 |
| Net operating income to assets | -0.5309% | 6,581 |
| Return on assets (ROA) | -0.5691% | 6,628 |
| Pretax return on assets | -0.9675% | 6,795 |
| Return on Equity (ROE) | -3.1893% | 6,385 |
| Retained earnings to average equity (ytd only) | -3.1893% | 6,002 |
| Net charge-offs to loans | 0.1832% | 4,421 |
| Credit loss provision to net charge-offs | 416.6667% | 1,110 |
| Earnings coverage of net charge-offs (x) | -2.4792% | 6,381 |
| Efficiency ratio | 91.8692% | 1,646 |
| Assets per employee ($millions) | 3.3556% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5964% | 347 |
| Loan loss allowance to noncurrent loans | 54.3839% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 5.1513% | 1,008 |
| Noncurrent loans to loans | 6.6130% | 784 |
| Net loans and leases to total assets | 69.8412% | 3,743 |
| Net loans and leases to deposits | 85.6882% | 3,601 |
| Net loans and leases to core deposits | 122.3888% | 2,170 |
| Total domestic deposits to total assets | 81.5062% | 4,895 |
| Equity capital to assets | 17.6210% | 591 |
| Core capital (leverage) ratio | 18.0596% | 508 |
| Tier 1 risk-based capital ratio | 21.5893% | 1,319 |
| Total risk-based capital ratio | 22.8640% | 1,281 |
| Memoranda: | ||
| Average total assets | $70,282,330 | 6,073 |
| Average earning assets | $61,862,670 | 6,152 |
| Average equity | $12,542,000 | 4,665 |
| Average total loans | $52,390,670 | 5,661 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3473% | 5,671 |
| Cost of funding earning assets | 2.2542% | 2,905 |
| Net interest margin | 3.0931% | 6,222 |
| Noninterest income to average assets | 0.4445% | 4,839 |
| Noninterest expense to average assets | 3.7669% | 1,533 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2097% | 6,569 |
| Return on assets (ROA) | -0.2280% | 6,672 |
| Pretax return on assets | -0.5984% | 6,904 |
| Return on Equity (ROE) | -1.2694% | 6,585 |
| Retained earnings to average equity (ytd only) | -1.2694% | 5,951 |
| Net charge-offs to loans | 0.4599% | 2,297 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.6393% | 5,444 |
| Efficiency ratio | 98.5740% | 1,190 |
| Assets per employee ($millions) | 3.3103% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0327% | 465 |
| Loan loss allowance to noncurrent loans | 45.6259% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 5.5369% | 768 |
| Noncurrent loans to loans | 6.6470% | 639 |
| Net loans and leases to total assets | 74.6030% | 2,598 |
| Net loans and leases to deposits | 91.9163% | 2,616 |
| Net loans and leases to core deposits | 124.2894% | 2,061 |
| Total domestic deposits to total assets | 81.1640% | 4,902 |
| Equity capital to assets | 18.1268% | 595 |
| Core capital (leverage) ratio | 18.4432% | 504 |
| Tier 1 risk-based capital ratio | 21.1219% | 1,433 |
| Total risk-based capital ratio | 22.3915% | 1,397 |
| Memoranda: | ||
| Average total assets | $70,190,000 | 6,108 |
| Average earning assets | $62,461,500 | 6,158 |
| Average equity | $12,604,500 | 4,680 |
| Average total loans | $53,060,500 | 5,667 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7727% | 1,781 |
| Cost of funding earning assets | 2.5595% | 3,905 |
| Net interest margin | 4.2132% | 2,267 |
| Noninterest income to average assets | 0.5144% | 4,515 |
| Noninterest expense to average assets | 4.6311% | 797 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.1662% | 6,580 |
| Return on assets (ROA) | -0.1690% | 6,429 |
| Pretax return on assets | -0.3862% | 6,536 |
| Return on Equity (ROE) | -0.9136% | 6,353 |
| Retained earnings to average equity (ytd only) | -0.9136% | 5,571 |
| Net charge-offs to loans | -0.0135% | 7,886 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6008% | 2,825 |
| Assets per employee ($millions) | 3.2211% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1973% | 369 |
| Loan loss allowance to noncurrent loans | 253.8462% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 1.2940% | 3,637 |
| Noncurrent loans to loans | 1.2595% | 3,993 |
| Net loans and leases to total assets | 71.9053% | 3,610 |
| Net loans and leases to deposits | 88.3408% | 3,750 |
| Net loans and leases to core deposits | 117.8777% | 2,902 |
| Total domestic deposits to total assets | 81.3953% | 4,467 |
| Equity capital to assets | 17.7918% | 675 |
| Core capital (leverage) ratio | 18.2027% | 585 |
| Tier 1 risk-based capital ratio | 21.3410% | 1,416 |
| Total risk-based capital ratio | 22.6115% | 1,374 |
| Memoranda: | ||
| Average total assets | $68,622,800 | 6,073 |
| Average earning assets | $60,832,200 | 6,139 |
| Average equity | $12,697,200 | 4,646 |
| Average total loans | $44,410,400 | 5,953 |