Home > Transact Bank > Performance and Condition Ratios
Transact Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8936% | 731 |
| Cost of funding earning assets | 0.4366% | 4,258 |
| Net interest margin | 5.4570% | 193 |
| Noninterest income to average assets | 6.4700% | 109 |
| Noninterest expense to average assets | 17.0391% | 79 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -6.6157% | 4,598 |
| Return on assets (ROA) | -6.6157% | 4,596 |
| Pretax return on assets | -6.6157% | 4,595 |
| Return on Equity (ROE) | -49.3300% | 4,571 |
| Retained earnings to average equity (ytd only) | -49.3290% | 4,557 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 163.4692% | 33 |
| Assets per employee ($millions) | 0.9284% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 33.9300% | 4,212 |
| Net loans and leases to deposits | 43.6137% | 4,111 |
| Net loans and leases to core deposits | 45.7350% | 4,164 |
| Total domestic deposits to total assets | 77.8000% | 3,755 |
| Equity capital to assets | 16.2650% | 438 |
| Core capital (leverage) ratio | 12.0916% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.8126% | 136 |
| Memoranda: | ||
| Average total assets | $12,001,800 | 4,559 |
| Average earning assets | $8,704,400 | 4,522 |
| Average equity | $1,609,600 | 4,507 |
| Average total loans | $2,567,600 | 4,469 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4720% | 1,048 |
| Cost of funding earning assets | 0.3639% | 4,297 |
| Net interest margin | 5.1081% | 279 |
| Noninterest income to average assets | 6.7100% | 108 |
| Noninterest expense to average assets | 15.5994% | 84 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -5.0409% | 4,618 |
| Return on assets (ROA) | -5.0409% | 4,616 |
| Pretax return on assets | -5.0409% | 4,615 |
| Return on Equity (ROE) | -38.7500% | 4,595 |
| Retained earnings to average equity (ytd only) | -38.7515% | 4,582 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 147.7426% | 44 |
| Assets per employee ($millions) | 1.3050% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 21.6600% | 4,423 |
| Net loans and leases to deposits | 25.9010% | 4,417 |
| Net loans and leases to core deposits | 26.6276% | 4,411 |
| Total domestic deposits to total assets | 83.6300% | 2,873 |
| Equity capital to assets | 12.2776% | 973 |
| Core capital (leverage) ratio | 13.7663% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.5950% | 105 |
| Memoranda: | ||
| Average total assets | $13,145,500 | 4,579 |
| Average earning assets | $9,892,500 | 4,545 |
| Average equity | $1,710,000 | 4,531 |
| Average total loans | $2,579,500 | 4,495 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6465% | 691 |
| Cost of funding earning assets | 0.3094% | 4,300 |
| Net interest margin | 5.3371% | 202 |
| Noninterest income to average assets | 8.0700% | 95 |
| Noninterest expense to average assets | 15.3537% | 81 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -3.2324% | 4,637 |
| Return on assets (ROA) | -3.2324% | 4,637 |
| Pretax return on assets | -3.2324% | 4,634 |
| Return on Equity (ROE) | -24.4500% | 4,616 |
| Retained earnings to average equity (ytd only) | -24.4535% | 4,591 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 126.6667% | 62 |
| Assets per employee ($millions) | 1.4041% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 20.3100% | 4,455 |
| Net loans and leases to deposits | 24.7924% | 4,447 |
| Net loans and leases to core deposits | 25.4486% | 4,446 |
| Total domestic deposits to total assets | 81.9300% | 3,243 |
| Equity capital to assets | 13.2706% | 757 |
| Core capital (leverage) ratio | 13.1700% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.8813% | 82 |
| Memoranda: | ||
| Average total assets | $13,612,333 | 4,602 |
| Average earning assets | $10,342,667 | 4,571 |
| Average equity | $1,799,333 | 4,553 |
| Average total loans | $2,591,333 | 4,528 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6479% | 487 |
| Cost of funding earning assets | 0.2915% | 4,218 |
| Net interest margin | 5.3564% | 184 |
| Noninterest income to average assets | 12.1700% | 87 |
| Noninterest expense to average assets | 15.0355% | 83 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3050% | 1,653 |
| Return on assets (ROA) | 1.3050% | 1,626 |
| Pretax return on assets | 1.3050% | 2,157 |
| Return on Equity (ROE) | 9.8900% | 2,817 |
| Retained earnings to average equity (ytd only) | 9.8898% | 1,729 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 92.0139% | 307 |
| Assets per employee ($millions) | 1.5036% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 19.1500% | 4,525 |
| Net loans and leases to deposits | 23.5374% | 4,514 |
| Net loans and leases to core deposits | 24.1180% | 4,505 |
| Total domestic deposits to total assets | 81.3500% | 3,579 |
| Equity capital to assets | 14.0630% | 591 |
| Core capital (leverage) ratio | 13.5321% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.7350% | 77 |
| Memoranda: | ||
| Average total assets | $14,100,000 | 4,664 |
| Average earning assets | $10,977,500 | 4,636 |
| Average equity | $1,860,500 | 4,617 |
| Average total loans | $2,603,500 | 4,599 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6316% | 4,441 |
| Cost of funding earning assets | 0.1303% | 4,229 |
| Net interest margin | 2.5013% | 4,289 |
| Noninterest income to average assets | 2.3900% | 210 |
| Noninterest expense to average assets | 13.6252% | 86 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | -9.2416% | 4,716 |
| Return on assets (ROA) | -9.2416% | 4,716 |
| Pretax return on assets | -9.2416% | 4,716 |
| Return on Equity (ROE) | -63.2900% | 4,707 |
| Retained earnings to average equity (ytd only) | -63.2888% | 4,722 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 313.7285% | 21 |
| Assets per employee ($millions) | 1.6298% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 17.8300% | 4,562 |
| Net loans and leases to deposits | 21.4585% | 4,565 |
| Net loans and leases to core deposits | 21.9334% | 4,554 |
| Total domestic deposits to total assets | 83.1100% | 3,395 |
| Equity capital to assets | 12.3943% | 827 |
| Core capital (leverage) ratio | 12.1904% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 68.9528% | 78 |
| Memoranda: | ||
| Average total assets | $14,759,400 | 4,695 |
| Average earning assets | $11,514,000 | 4,670 |
| Average equity | $2,155,200 | 4,669 |
| Average total loans | $2,718,400 | 4,631 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9845% | 4,613 |
| Cost of funding earning assets | 0.1161% | 4,152 |
| Net interest margin | 1.8685% | 4,592 |
| Noninterest income to average assets | 1.7700% | 305 |
| Noninterest expense to average assets | 14.0886% | 86 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | -10.8145% | 4,760 |
| Return on assets (ROA) | -10.8145% | 4,760 |
| Pretax return on assets | -10.8145% | 4,759 |
| Return on Equity (ROE) | -71.3800% | 4,745 |
| Retained earnings to average equity (ytd only) | -71.3832% | 4,760 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 437.5350% | 15 |
| Assets per employee ($millions) | 1.3939% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 21.0800% | 4,582 |
| Net loans and leases to deposits | 26.0031% | 4,560 |
| Net loans and leases to core deposits | 26.6936% | 4,555 |
| Total domestic deposits to total assets | 81.0500% | 3,972 |
| Equity capital to assets | 15.2252% | 437 |
| Core capital (leverage) ratio | 13.5775% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 79.4249% | 72 |
| Memoranda: | ||
| Average total assets | $14,782,250 | 4,732 |
| Average earning assets | $11,488,500 | 4,709 |
| Average equity | $2,239,500 | 4,703 |
| Average total loans | $2,744,000 | 4,669 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4919% | 4,708 |
| Cost of funding earning assets | 0.0995% | 4,196 |
| Net interest margin | 1.3925% | 4,694 |
| Noninterest income to average assets | 0.1030% | 4,470 |
| Noninterest expense to average assets | 14.0263% | 54 |
| Loan and lease loss provision to assets | -0.0773% | 4,567 |
| Net operating income to assets | -12.7640% | 4,765 |
| Return on assets (ROA) | -12.7640% | 4,765 |
| Pretax return on assets | -12.7640% | 4,765 |
| Return on Equity (ROE) | -84.3644% | 4,768 |
| Retained earnings to average equity (ytd only) | -84.3644% | 4,766 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,183.6957% | 7 |
| Assets per employee ($millions) | 1.5920% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 18.6628% | 4,665 |
| Net loans and leases to deposits | 22.5921% | 4,659 |
| Net loans and leases to core deposits | 23.1055% | 4,657 |
| Total domestic deposits to total assets | 82.6075% | 3,931 |
| Equity capital to assets | 13.6655% | 564 |
| Core capital (leverage) ratio | 13.3964% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 82.8047% | 35 |
| Memoranda: | ||
| Average total assets | $15,528,000 | 4,759 |
| Average earning assets | $12,065,000 | 4,751 |
| Average equity | $2,349,333 | 4,721 |
| Average total loans | $2,777,333 | 4,731 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4483% | 4,726 |
| Cost of funding earning assets | 0.0966% | 4,178 |
| Net interest margin | 1.3518% | 4,716 |
| Noninterest income to average assets | 3.9187% | 125 |
| Noninterest expense to average assets | 14.0873% | 50 |
| Loan and lease loss provision to assets | -0.1488% | 4,646 |
| Net operating income to assets | -8.9782% | 4,789 |
| Return on assets (ROA) | -8.9782% | 4,789 |
| Pretax return on assets | -8.9782% | 4,789 |
| Return on Equity (ROE) | -56.8959% | 4,791 |
| Retained earnings to average equity (ytd only) | -56.8959% | 4,782 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 284.0000% | 16 |
| Assets per employee ($millions) | 1.7337% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 17.3492% | 4,694 |
| Net loans and leases to deposits | 21.2664% | 4,688 |
| Net loans and leases to core deposits | 21.7116% | 4,687 |
| Total domestic deposits to total assets | 81.5805% | 4,136 |
| Equity capital to assets | 15.0292% | 391 |
| Core capital (leverage) ratio | 14.6006% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 84.4556% | 35 |
| Memoranda: | ||
| Average total assets | $16,128,000 | 4,779 |
| Average earning assets | $12,428,000 | 4,775 |
| Average equity | $2,545,000 | 4,739 |
| Average total loans | $2,829,000 | 4,760 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6381% | 4,804 |
| Cost of funding earning assets | 0.0846% | 4,499 |
| Net interest margin | 0.5534% | 4,805 |
| Noninterest income to average assets | 4.2130% | 130 |
| Noninterest expense to average assets | 13.3346% | 52 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -8.6963% | 4,835 |
| Return on assets (ROA) | -8.6963% | 4,835 |
| Pretax return on assets | -8.6963% | 4,835 |
| Return on Equity (ROE) | -55.6089% | 4,837 |
| Retained earnings to average equity (ytd only) | -55.6089% | 4,834 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 287.4865% | 14 |
| Assets per employee ($millions) | 1.8503% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2033% | 4,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 17.6845% | 4,737 |
| Net loans and leases to deposits | 21.9858% | 4,727 |
| Net loans and leases to core deposits | 22.4210% | 4,725 |
| Total domestic deposits to total assets | 80.4360% | 4,172 |
| Equity capital to assets | 16.4835% | 334 |
| Core capital (leverage) ratio | 14.4075% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 93.0058% | 34 |
| Memoranda: | ||
| Average total assets | $19,985,600 | 4,804 |
| Average earning assets | $15,359,200 | 4,807 |
| Average equity | $3,125,400 | 4,759 |
| Average total loans | $3,807,600 | 4,801 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1141% | 4,867 |
| Cost of funding earning assets | 0.0915% | 4,566 |
| Net interest margin | 1.0227% | 4,861 |
| Noninterest income to average assets | 4.2525% | 129 |
| Noninterest expense to average assets | 12.9688% | 55 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -7.9286% | 4,910 |
| Return on assets (ROA) | -7.9286% | 4,910 |
| Pretax return on assets | -7.9286% | 4,910 |
| Return on Equity (ROE) | -51.2537% | 4,909 |
| Retained earnings to average equity (ytd only) | -51.2537% | 4,904 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 257.3062% | 16 |
| Assets per employee ($millions) | 2.3755% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1520% | 4,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 20.7430% | 4,787 |
| Net loans and leases to deposits | 25.8018% | 4,771 |
| Net loans and leases to core deposits | 26.2485% | 4,774 |
| Total domestic deposits to total assets | 80.3936% | 4,181 |
| Equity capital to assets | 17.1069% | 330 |
| Core capital (leverage) ratio | 15.3100% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 94.3551% | 29 |
| Memoranda: | ||
| Average total assets | $20,818,750 | 4,874 |
| Average earning assets | $16,035,750 | 4,876 |
| Average equity | $3,220,500 | 4,830 |
| Average total loans | $4,021,750 | 4,870 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1075% | 4,904 |
| Cost of funding earning assets | 0.0834% | 4,678 |
| Net interest margin | 1.0241% | 4,896 |
| Noninterest income to average assets | 4.3223% | 130 |
| Noninterest expense to average assets | 12.4255% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -7.3003% | 4,947 |
| Return on assets (ROA) | -7.3003% | 4,946 |
| Pretax return on assets | -7.3003% | 4,945 |
| Return on Equity (ROE) | -48.7177% | 4,946 |
| Retained earnings to average equity (ytd only) | -48.7177% | 4,940 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 242.4408% | 16 |
| Assets per employee ($millions) | 1.9842% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1500% | 4,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 18.2947% | 4,846 |
| Net loans and leases to deposits | 21.5500% | 4,849 |
| Net loans and leases to core deposits | 22.1809% | 4,847 |
| Total domestic deposits to total assets | 84.8942% | 3,141 |
| Equity capital to assets | 12.9524% | 962 |
| Core capital (leverage) ratio | 10.7106% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 82.9731% | 38 |
| Memoranda: | ||
| Average total assets | $21,423,667 | 4,907 |
| Average earning assets | $16,794,667 | 4,908 |
| Average equity | $3,210,333 | 4,862 |
| Average total loans | $4,046,333 | 4,912 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2530% | 4,924 |
| Cost of funding earning assets | 0.0964% | 4,673 |
| Net interest margin | 1.1567% | 4,915 |
| Noninterest income to average assets | 3.8073% | 156 |
| Noninterest expense to average assets | 12.5339% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -7.8219% | 4,971 |
| Return on assets (ROA) | -7.8219% | 4,971 |
| Pretax return on assets | -7.8219% | 4,971 |
| Return on Equity (ROE) | -48.7948% | 4,974 |
| Retained earnings to average equity (ytd only) | -48.7948% | 4,963 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 266.0000% | 13 |
| Assets per employee ($millions) | 1.7743% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1483% | 4,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 18.9743% | 4,868 |
| Net loans and leases to deposits | 22.8921% | 4,863 |
| Net loans and leases to core deposits | 23.5940% | 4,866 |
| Total domestic deposits to total assets | 82.8856% | 3,711 |
| Equity capital to assets | 15.0009% | 493 |
| Core capital (leverage) ratio | 15.6213% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 93.2059% | 33 |
| Memoranda: | ||
| Average total assets | $21,222,500 | 4,935 |
| Average earning assets | $16,599,500 | 4,939 |
| Average equity | $3,402,000 | 4,876 |
| Average total loans | $4,070,000 | 4,937 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3800% | 4,953 |
| Cost of funding earning assets | 0.0859% | 4,895 |
| Net interest margin | 1.2940% | 4,936 |
| Noninterest income to average assets | 3.8264% | 142 |
| Noninterest expense to average assets | 15.5492% | 45 |
| Loan and lease loss provision to assets | -0.0256% | 4,918 |
| Net operating income to assets | -10.6679% | 4,999 |
| Return on assets (ROA) | -10.6679% | 4,999 |
| Pretax return on assets | -10.6679% | 4,999 |
| Return on Equity (ROE) | -51.8408% | 4,997 |
| Retained earnings to average equity (ytd only) | -51.8408% | 4,992 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 320.2287% | 9 |
| Assets per employee ($millions) | 1.5109% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1466% | 4,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 19.3259% | 4,887 |
| Net loans and leases to deposits | 23.9218% | 4,885 |
| Net loans and leases to core deposits | 24.6770% | 4,882 |
| Total domestic deposits to total assets | 80.7876% | 3,912 |
| Equity capital to assets | 17.0661% | 332 |
| Core capital (leverage) ratio | 16.0211% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 104.1558% | 29 |
| Memoranda: | ||
| Average total assets | $23,416,000 | 4,933 |
| Average earning assets | $18,623,800 | 4,937 |
| Average equity | $4,818,600 | 4,771 |
| Average total loans | $4,472,400 | 4,955 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4850% | 4,995 |
| Cost of funding earning assets | 0.0837% | 4,956 |
| Net interest margin | 1.4013% | 4,974 |
| Noninterest income to average assets | 3.7861% | 141 |
| Noninterest expense to average assets | 15.9840% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -11.0804% | 5,031 |
| Return on assets (ROA) | -11.0804% | 5,031 |
| Pretax return on assets | -11.0804% | 5,031 |
| Return on Equity (ROE) | -51.8921% | 5,025 |
| Retained earnings to average equity (ytd only) | -51.8921% | 5,016 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 325.9637% | 10 |
| Assets per employee ($millions) | 1.4643% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2670% | 4,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 20.4097% | 4,924 |
| Net loans and leases to deposits | 25.8714% | 4,919 |
| Net loans and leases to core deposits | 26.6734% | 4,914 |
| Total domestic deposits to total assets | 78.8891% | 4,071 |
| Equity capital to assets | 18.7389% | 252 |
| Core capital (leverage) ratio | 17.4294% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 105.5140% | 31 |
| Memoranda: | ||
| Average total assets | $23,981,750 | 4,957 |
| Average earning assets | $19,124,250 | 4,964 |
| Average equity | $5,120,750 | 4,758 |
| Average total loans | $4,567,000 | 4,986 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6484% | 5,033 |
| Cost of funding earning assets | 0.0899% | 4,991 |
| Net interest margin | 1.5585% | 5,011 |
| Noninterest income to average assets | 3.5288% | 138 |
| Noninterest expense to average assets | 15.3890% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -10.5946% | 5,063 |
| Return on assets (ROA) | -10.5946% | 5,063 |
| Pretax return on assets | -10.5946% | 5,063 |
| Return on Equity (ROE) | -47.8768% | 5,057 |
| Retained earnings to average equity (ytd only) | -47.8768% | 5,048 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 320.9814% | 8 |
| Assets per employee ($millions) | 1.7491% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2639% | 4,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 18.5200% | 4,972 |
| Net loans and leases to deposits | 23.6186% | 4,965 |
| Net loans and leases to core deposits | 24.2747% | 4,963 |
| Total domestic deposits to total assets | 78.4130% | 4,130 |
| Equity capital to assets | 19.6186% | 225 |
| Core capital (leverage) ratio | 19.5100% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 135.6981% | 25 |
| Memoranda: | ||
| Average total assets | $24,654,000 | 4,974 |
| Average earning assets | $20,019,333 | 4,985 |
| Average equity | $5,455,667 | 4,751 |
| Average total loans | $4,591,000 | 5,017 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3073% | 5,066 |
| Cost of funding earning assets | 0.0995% | 5,041 |
| Net interest margin | 2.2078% | 4,957 |
| Noninterest income to average assets | 3.5088% | 126 |
| Noninterest expense to average assets | 15.4745% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -10.1708% | 5,107 |
| Return on assets (ROA) | -10.1708% | 5,106 |
| Pretax return on assets | -10.1708% | 5,105 |
| Return on Equity (ROE) | -43.5181% | 5,096 |
| Retained earnings to average equity (ytd only) | -43.5181% | 5,075 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 291.7683% | 13 |
| Assets per employee ($millions) | 1.7329% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2613% | 5,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 18.8780% | 5,016 |
| Net loans and leases to deposits | 25.0890% | 5,009 |
| Net loans and leases to core deposits | 25.8203% | 5,006 |
| Total domestic deposits to total assets | 75.2442% | 4,562 |
| Equity capital to assets | 22.5918% | 160 |
| Core capital (leverage) ratio | 23.0815% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 156.0160% | 25 |
| Memoranda: | ||
| Average total assets | $24,737,500 | 5,020 |
| Average earning assets | $20,110,500 | 5,029 |
| Average equity | $5,781,500 | 4,752 |
| Average total loans | $4,613,000 | 5,064 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7032% | 5,152 |
| Cost of funding earning assets | 0.1560% | 5,039 |
| Net interest margin | 1.5472% | 5,134 |
| Noninterest income to average assets | 8.4032% | 68 |
| Noninterest expense to average assets | 10.7620% | 63 |
| Loan and lease loss provision to assets | -0.1450% | 5,104 |
| Net operating income to assets | -0.8838% | 5,085 |
| Return on assets (ROA) | -0.8838% | 5,090 |
| Pretax return on assets | -0.8838% | 5,083 |
| Return on Equity (ROE) | -5.0702% | 5,079 |
| Retained earnings to average equity (ytd only) | -5.0702% | 4,985 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8398% | 104 |
| Assets per employee ($millions) | 1.9395% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2590% | 5,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 18.3311% | 5,084 |
| Net loans and leases to deposits | 24.7669% | 5,072 |
| Net loans and leases to core deposits | 25.4698% | 5,069 |
| Total domestic deposits to total assets | 74.0144% | 4,770 |
| Equity capital to assets | 24.1215% | 132 |
| Core capital (leverage) ratio | 23.7845% | 141 |
| Tier 1 risk-based capital ratio | 171.3480% | 28 |
| Total risk-based capital ratio | 171.6864% | 28 |
| Memoranda: | ||
| Average total assets | $36,545,400 | 4,947 |
| Average earning assets | $31,410,600 | 4,970 |
| Average equity | $6,370,600 | 4,712 |
| Average total loans | $12,366,800 | 5,023 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3761% | 5,221 |
| Cost of funding earning assets | 0.1641% | 5,098 |
| Net interest margin | 2.2120% | 5,143 |
| Noninterest income to average assets | 9.6396% | 59 |
| Noninterest expense to average assets | 10.6689% | 65 |
| Loan and lease loss provision to assets | -0.1794% | 5,203 |
| Net operating income to assets | 1.0666% | 2,709 |
| Return on assets (ROA) | 1.0666% | 2,795 |
| Pretax return on assets | 1.0666% | 3,395 |
| Return on Equity (ROE) | 6.5188% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.5188% | 2,104 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5617% | 282 |
| Assets per employee ($millions) | 2.0633% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1898% | 5,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 23.5209% | 5,132 |
| Net loans and leases to deposits | 32.0987% | 5,106 |
| Net loans and leases to core deposits | 32.9589% | 5,113 |
| Total domestic deposits to total assets | 73.2767% | 4,848 |
| Equity capital to assets | 25.0457% | 125 |
| Core capital (leverage) ratio | 24.6865% | 124 |
| Tier 1 risk-based capital ratio | 176.9636% | 28 |
| Total risk-based capital ratio | 177.2799% | 28 |
| Memoranda: | ||
| Average total assets | $39,378,250 | 4,973 |
| Average earning assets | $34,116,500 | 5,004 |
| Average equity | $6,442,750 | 4,765 |
| Average total loans | $14,300,000 | 5,056 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8571% | 5,237 |
| Cost of funding earning assets | 0.1887% | 5,099 |
| Net interest margin | 2.6683% | 5,026 |
| Noninterest income to average assets | 11.9321% | 53 |
| Noninterest expense to average assets | 10.6971% | 65 |
| Loan and lease loss provision to assets | -0.2433% | 5,263 |
| Net operating income to assets | 3.8151% | 58 |
| Return on assets (ROA) | 3.8151% | 62 |
| Pretax return on assets | 3.8151% | 75 |
| Return on Equity (ROE) | 26.1691% | 76 |
| Retained earnings to average equity (ytd only) | 26.1691% | 21 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1313% | 1,628 |
| Assets per employee ($millions) | 1.9464% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1650% | 5,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 28.6962% | 5,116 |
| Net loans and leases to deposits | 41.2089% | 5,023 |
| Net loans and leases to core deposits | 42.4397% | 5,037 |
| Total domestic deposits to total assets | 69.6360% | 5,058 |
| Equity capital to assets | 28.3010% | 83 |
| Core capital (leverage) ratio | 21.0878% | 190 |
| Tier 1 risk-based capital ratio | 185.5737% | 27 |
| Total risk-based capital ratio | 185.8845% | 27 |
| Memoranda: | ||
| Average total assets | $43,563,330 | 4,957 |
| Average earning assets | $38,151,000 | 4,978 |
| Average equity | $6,351,000 | 4,806 |
| Average total loans | $16,959,670 | 5,047 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2586% | 5,189 |
| Cost of funding earning assets | 0.1729% | 5,172 |
| Net interest margin | 3.0857% | 4,609 |
| Noninterest income to average assets | 2.8998% | 154 |
| Noninterest expense to average assets | 9.1624% | 70 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -3.5526% | 5,337 |
| Return on assets (ROA) | -3.5526% | 5,336 |
| Pretax return on assets | -3.5526% | 5,334 |
| Return on Equity (ROE) | -31.4834% | 5,345 |
| Retained earnings to average equity (ytd only) | -31.4834% | 5,308 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.7578% | 34 |
| Assets per employee ($millions) | 2.4635% | 5,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3122% | 5,237 |
| Loan loss allowance to noncurrent loans | 6.3230% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.9871% | 499 |
| Noncurrent loans to loans | 4.9376% | 117 |
| Net loans and leases to total assets | 40.1195% | 4,886 |
| Net loans and leases to deposits | 45.6234% | 4,940 |
| Net loans and leases to core deposits | 46.7434% | 4,966 |
| Total domestic deposits to total assets | 87.9361% | 1,372 |
| Equity capital to assets | 11.0432% | 2,806 |
| Core capital (leverage) ratio | 10.4996% | 3,052 |
| Tier 1 risk-based capital ratio | 33.9540% | 351 |
| Total risk-based capital ratio | 34.3965% | 368 |
| Memoranda: | ||
| Average total assets | $52,693,500 | 4,860 |
| Average earning assets | $46,277,500 | 4,898 |
| Average equity | $5,946,000 | 4,897 |
| Average total loans | $21,803,000 | 5,001 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 3,376 |
| Cost of funding earning assets | 0.1756% | 5,093 |
| Net interest margin | 4.0489% | 1,830 |
| Noninterest income to average assets | 2.0510% | 258 |
| Noninterest expense to average assets | 7.1115% | 106 |
| Loan and lease loss provision to assets | 0.6947% | 148 |
| Net operating income to assets | -2.2049% | 5,378 |
| Return on assets (ROA) | -2.2049% | 5,376 |
| Pretax return on assets | -2.2049% | 5,373 |
| Return on Equity (ROE) | -20.5283% | 5,380 |
| Retained earnings to average equity (ytd only) | -20.5283% | 5,375 |
| Net charge-offs to loans | 2.7087% | 38 |
| Credit loss provision to net charge-offs | 53.7589% | 3,153 |
| Earnings coverage of net charge-offs (x) | -1.1688% | 3,733 |
| Efficiency ratio | 123.9529% | 52 |
| Assets per employee ($millions) | 2.4388% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2853% | 5,289 |
| Loan loss allowance to noncurrent loans | 6.1437% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.9719% | 489 |
| Noncurrent loans to loans | 4.6432% | 128 |
| Net loans and leases to total assets | 42.3473% | 4,869 |
| Net loans and leases to deposits | 48.7251% | 4,918 |
| Net loans and leases to core deposits | 49.8858% | 4,946 |
| Total domestic deposits to total assets | 86.9106% | 1,816 |
| Equity capital to assets | 11.5164% | 2,245 |
| Core capital (leverage) ratio | 10.7224% | 2,817 |
| Tier 1 risk-based capital ratio | 34.9140% | 318 |
| Total risk-based capital ratio | 35.3350% | 333 |
| Memoranda: | ||
| Average total assets | $54,559,800 | 4,865 |
| Average earning assets | $47,840,600 | 4,896 |
| Average equity | $5,860,200 | 4,922 |
| Average total loans | $26,027,600 | 4,906 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 3,559 |
| Cost of funding earning assets | 0.1772% | 5,107 |
| Net interest margin | 3.9475% | 2,136 |
| Noninterest income to average assets | 3.2100% | 152 |
| Noninterest expense to average assets | 6.7436% | 111 |
| Loan and lease loss provision to assets | 0.1338% | 1,501 |
| Net operating income to assets | -0.1971% | 5,344 |
| Return on assets (ROA) | -0.1971% | 5,344 |
| Pretax return on assets | -0.1971% | 5,341 |
| Return on Equity (ROE) | -1.8684% | 5,349 |
| Retained earnings to average equity (ytd only) | -1.8684% | 5,188 |
| Net charge-offs to loans | 0.3428% | 484 |
| Credit loss provision to net charge-offs | 79.7101% | 2,533 |
| Earnings coverage of net charge-offs (x) | -0.3768% | 3,428 |
| Efficiency ratio | 98.4335% | 170 |
| Assets per employee ($millions) | 2.4440% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 1,283 |
| Loan loss allowance to noncurrent loans | 31.9763% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 2.0974% | 493 |
| Noncurrent loans to loans | 4.7485% | 140 |
| Net loans and leases to total assets | 43.4988% | 4,901 |
| Net loans and leases to deposits | 50.7114% | 4,931 |
| Net loans and leases to core deposits | 52.1632% | 4,964 |
| Total domestic deposits to total assets | 85.7773% | 2,294 |
| Equity capital to assets | 12.9774% | 1,354 |
| Core capital (leverage) ratio | 12.7986% | 1,370 |
| Tier 1 risk-based capital ratio | 36.0101% | 301 |
| Total risk-based capital ratio | 37.2672% | 300 |
| Memoranda: | ||
| Average total assets | $54,786,250 | 4,914 |
| Average earning assets | $48,165,000 | 4,948 |
| Average equity | $5,780,500 | 4,985 |
| Average total loans | $26,838,000 | 4,947 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 4,060 |
| Cost of funding earning assets | 0.1764% | 5,122 |
| Net interest margin | 3.7306% | 2,823 |
| Noninterest income to average assets | 3.3106% | 148 |
| Noninterest expense to average assets | 6.9195% | 114 |
| Loan and lease loss provision to assets | 0.1105% | 1,785 |
| Net operating income to assets | -0.4493% | 5,437 |
| Return on assets (ROA) | -0.4493% | 5,431 |
| Pretax return on assets | -0.4493% | 5,427 |
| Return on Equity (ROE) | -4.6250% | 5,432 |
| Retained earnings to average equity (ytd only) | -4.6250% | 5,272 |
| Net charge-offs to loans | 0.2690% | 595 |
| Credit loss provision to net charge-offs | 81.0811% | 2,244 |
| Earnings coverage of net charge-offs (x) | -2.4865% | 3,162 |
| Efficiency ratio | 102.5741% | 144 |
| Assets per employee ($millions) | 1.9840% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,563 |
| Loan loss allowance to noncurrent loans | 116.3636% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 2,376 |
| Noncurrent loans to loans | 1.2455% | 1,383 |
| Net loans and leases to total assets | 48.7437% | 4,669 |
| Net loans and leases to deposits | 54.8919% | 4,805 |
| Net loans and leases to core deposits | 56.4794% | 4,846 |
| Total domestic deposits to total assets | 88.7993% | 1,013 |
| Equity capital to assets | 9.7745% | 3,849 |
| Core capital (leverage) ratio | 8.8822% | 4,809 |
| Tier 1 risk-based capital ratio | 23.0895% | 927 |
| Total risk-based capital ratio | 24.3543% | 910 |
| Memoranda: | ||
| Average total assets | $54,310,670 | 4,973 |
| Average earning assets | $47,606,670 | 5,012 |
| Average equity | $5,275,670 | 5,117 |
| Average total loans | $27,507,670 | 4,980 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3664% | 5,061 |
| Cost of funding earning assets | 0.1754% | 5,133 |
| Net interest margin | 3.1909% | 4,495 |
| Noninterest income to average assets | 3.1162% | 154 |
| Noninterest expense to average assets | 6.8322% | 117 |
| Loan and lease loss provision to assets | 0.2195% | 721 |
| Net operating income to assets | -1.1411% | 5,542 |
| Return on assets (ROA) | -1.1411% | 5,540 |
| Pretax return on assets | -1.1411% | 5,540 |
| Return on Equity (ROE) | -11.7836% | 5,542 |
| Retained earnings to average equity (ytd only) | -11.7836% | 5,404 |
| Net charge-offs to loans | 0.5283% | 281 |
| Credit loss provision to net charge-offs | 81.0811% | 1,738 |
| Earnings coverage of net charge-offs (x) | -3.4054% | 2,683 |
| Efficiency ratio | 112.7475% | 87 |
| Assets per employee ($millions) | 1.9876% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 1,833 |
| Loan loss allowance to noncurrent loans | 112.6100% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6354% | 2,411 |
| Noncurrent loans to loans | 1.2453% | 1,458 |
| Net loans and leases to total assets | 50.3112% | 4,536 |
| Net loans and leases to deposits | 56.5981% | 4,668 |
| Net loans and leases to core deposits | 58.2251% | 4,741 |
| Total domestic deposits to total assets | 88.8920% | 1,152 |
| Equity capital to assets | 9.7030% | 3,878 |
| Core capital (leverage) ratio | 8.8235% | 4,871 |
| Tier 1 risk-based capital ratio | 21.5095% | 1,118 |
| Total risk-based capital ratio | 22.7712% | 1,097 |
| Memoranda: | ||
| Average total assets | $54,682,000 | 5,027 |
| Average earning assets | $47,885,500 | 5,064 |
| Average equity | $5,295,500 | 5,169 |
| Average total loans | $28,014,000 | 5,023 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 3,388 |
| Cost of funding earning assets | 0.1876% | 5,043 |
| Net interest margin | 3.8179% | 2,363 |
| Noninterest income to average assets | 3.2777% | 162 |
| Noninterest expense to average assets | 7.0315% | 114 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.3781% | 5,496 |
| Return on assets (ROA) | -0.3781% | 5,495 |
| Pretax return on assets | -0.3781% | 5,528 |
| Return on Equity (ROE) | -3.8564% | 5,517 |
| Retained earnings to average equity (ytd only) | -3.8564% | 5,390 |
| Net charge-offs to loans | -0.0031% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7875% | 143 |
| Assets per employee ($millions) | 2.1423% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 1,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 50.7253% | 4,609 |
| Net loans and leases to deposits | 57.0097% | 4,746 |
| Net loans and leases to core deposits | 58.5794% | 4,825 |
| Total domestic deposits to total assets | 88.9767% | 1,012 |
| Equity capital to assets | 9.6661% | 4,071 |
| Core capital (leverage) ratio | 8.4668% | 5,168 |
| Tier 1 risk-based capital ratio | 22.0035% | 1,015 |
| Total risk-based capital ratio | 23.2676% | 996 |
| Memoranda: | ||
| Average total assets | $56,076,400 | 5,045 |
| Average earning assets | $49,582,600 | 5,071 |
| Average equity | $5,497,400 | 5,185 |
| Average total loans | $31,772,200 | 4,976 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9014% | 3,675 |
| Cost of funding earning assets | 0.1906% | 5,051 |
| Net interest margin | 3.7108% | 2,717 |
| Noninterest income to average assets | 3.3255% | 167 |
| Noninterest expense to average assets | 7.0522% | 117 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.4462% | 5,627 |
| Return on assets (ROA) | -0.4462% | 5,628 |
| Pretax return on assets | -0.4462% | 5,622 |
| Return on Equity (ROE) | -4.5362% | 5,629 |
| Retained earnings to average equity (ytd only) | -4.5362% | 5,532 |
| Net charge-offs to loans | -0.0041% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8807% | 136 |
| Assets per employee ($millions) | 2.3304% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 48.5501% | 4,795 |
| Net loans and leases to deposits | 54.1082% | 4,960 |
| Net loans and leases to core deposits | 55.4588% | 5,018 |
| Total domestic deposits to total assets | 89.7278% | 563 |
| Equity capital to assets | 8.9419% | 4,962 |
| Core capital (leverage) ratio | 9.0367% | 4,700 |
| Tier 1 risk-based capital ratio | 20.5139% | 1,277 |
| Total risk-based capital ratio | 21.7796% | 1,244 |
| Memoranda: | ||
| Average total assets | $56,170,500 | 5,097 |
| Average earning assets | $49,655,500 | 5,126 |
| Average equity | $5,525,750 | 5,235 |
| Average total loans | $32,554,000 | 4,988 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7593% | 4,035 |
| Cost of funding earning assets | 0.1992% | 4,993 |
| Net interest margin | 3.5601% | 3,183 |
| Noninterest income to average assets | 3.7370% | 156 |
| Noninterest expense to average assets | 7.4666% | 111 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.5924% | 5,693 |
| Return on assets (ROA) | -0.5924% | 5,691 |
| Pretax return on assets | -0.5924% | 5,687 |
| Return on Equity (ROE) | -5.8256% | 5,692 |
| Retained earnings to average equity (ytd only) | -5.8256% | 5,564 |
| Net charge-offs to loans | -0.0060% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7447% | 133 |
| Assets per employee ($millions) | 2.1166% | 5,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 58.0108% | 4,034 |
| Net loans and leases to deposits | 65.7986% | 4,234 |
| Net loans and leases to core deposits | 67.7130% | 4,364 |
| Total domestic deposits to total assets | 88.1643% | 1,375 |
| Equity capital to assets | 10.2842% | 3,585 |
| Core capital (leverage) ratio | 9.0785% | 4,636 |
| Tier 1 risk-based capital ratio | 18.9173% | 1,605 |
| Total risk-based capital ratio | 20.1827% | 1,565 |
| Memoranda: | ||
| Average total assets | $54,697,000 | 5,159 |
| Average earning assets | $48,201,000 | 5,193 |
| Average equity | $5,561,670 | 5,263 |
| Average total loans | $33,469,330 | 4,995 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 3,264 |
| Cost of funding earning assets | 0.1967% | 5,007 |
| Net interest margin | 3.7374% | 2,365 |
| Noninterest income to average assets | 4.3103% | 134 |
| Noninterest expense to average assets | 7.4837% | 114 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1079% | 5,503 |
| Return on assets (ROA) | 0.1079% | 5,508 |
| Pretax return on assets | 0.1079% | 5,506 |
| Return on Equity (ROE) | 1.0673% | 5,482 |
| Retained earnings to average equity (ytd only) | 1.0673% | 4,628 |
| Net charge-offs to loans | -0.0115% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0190% | 319 |
| Assets per employee ($millions) | 1.8882% | 5,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 3,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 59.9474% | 3,792 |
| Net loans and leases to deposits | 67.9135% | 3,999 |
| Net loans and leases to core deposits | 69.8128% | 4,159 |
| Total domestic deposits to total assets | 88.2702% | 1,547 |
| Equity capital to assets | 10.2780% | 3,430 |
| Core capital (leverage) ratio | 9.1120% | 4,604 |
| Tier 1 risk-based capital ratio | 18.2385% | 1,793 |
| Total risk-based capital ratio | 19.5041% | 1,756 |
| Memoranda: | ||
| Average total assets | $55,587,500 | 5,200 |
| Average earning assets | $48,804,000 | 5,233 |
| Average equity | $5,621,500 | 5,300 |
| Average total loans | $34,660,000 | 5,010 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 2,767 |
| Cost of funding earning assets | 0.1958% | 5,058 |
| Net interest margin | 3.9253% | 1,879 |
| Noninterest income to average assets | 4.3692% | 136 |
| Noninterest expense to average assets | 8.6971% | 93 |
| Loan and lease loss provision to assets | 0.0414% | 3,554 |
| Net operating income to assets | -0.9198% | 5,830 |
| Return on assets (ROA) | -0.9198% | 5,835 |
| Pretax return on assets | -0.9198% | 5,826 |
| Return on Equity (ROE) | -9.5681% | 5,832 |
| Retained earnings to average equity (ytd only) | -9.5681% | 5,779 |
| Net charge-offs to loans | 0.0049% | 4,077 |
| Credit loss provision to net charge-offs | 1,250.0000% | 314 |
| Earnings coverage of net charge-offs (x) | -265.5000% | 4,277 |
| Efficiency ratio | 108.6331% | 137 |
| Assets per employee ($millions) | 2.0895% | 5,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 63.3018% | 3,436 |
| Net loans and leases to deposits | 71.7114% | 3,738 |
| Net loans and leases to core deposits | 74.4160% | 3,890 |
| Total domestic deposits to total assets | 88.2730% | 1,501 |
| Equity capital to assets | 10.0342% | 3,689 |
| Core capital (leverage) ratio | 8.9988% | 4,748 |
| Tier 1 risk-based capital ratio | 18.7541% | 1,665 |
| Total risk-based capital ratio | 20.0124% | 1,632 |
| Memoranda: | ||
| Average total assets | $60,445,200 | 5,128 |
| Average earning assets | $53,117,200 | 5,185 |
| Average equity | $5,811,000 | 5,309 |
| Average total loans | $40,697,000 | 4,848 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 3,084 |
| Cost of funding earning assets | 0.1960% | 5,115 |
| Net interest margin | 3.8414% | 2,190 |
| Noninterest income to average assets | 4.3002% | 144 |
| Noninterest expense to average assets | 9.1147% | 84 |
| Loan and lease loss provision to assets | 0.0542% | 3,177 |
| Net operating income to assets | -1.5101% | 5,929 |
| Return on assets (ROA) | -1.5101% | 5,929 |
| Pretax return on assets | -1.5101% | 5,926 |
| Return on Equity (ROE) | -15.8670% | 5,929 |
| Retained earnings to average equity (ytd only) | -15.8670% | 5,895 |
| Net charge-offs to loans | 0.0064% | 3,688 |
| Credit loss provision to net charge-offs | 1,250.0000% | 335 |
| Earnings coverage of net charge-offs (x) | -335.0712% | 3,949 |
| Efficiency ratio | 116.4023% | 94 |
| Assets per employee ($millions) | 2.3727% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 4,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 64.9619% | 3,274 |
| Net loans and leases to deposits | 72.6167% | 3,741 |
| Net loans and leases to core deposits | 74.7236% | 3,947 |
| Total domestic deposits to total assets | 89.4586% | 693 |
| Equity capital to assets | 8.9820% | 5,195 |
| Core capital (leverage) ratio | 8.6778% | 5,176 |
| Tier 1 risk-based capital ratio | 16.9192% | 2,251 |
| Total risk-based capital ratio | 18.1738% | 2,209 |
| Memoranda: | ||
| Average total assets | $61,452,250 | 5,154 |
| Average earning assets | $53,729,250 | 5,220 |
| Average equity | $5,848,500 | 5,359 |
| Average total loans | $41,845,500 | 4,862 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 2,723 |
| Cost of funding earning assets | 0.2080% | 5,067 |
| Net interest margin | 3.9299% | 1,881 |
| Noninterest income to average assets | 5.1293% | 120 |
| Noninterest expense to average assets | 10.0924% | 69 |
| Loan and lease loss provision to assets | 0.0815% | 2,507 |
| Net operating income to assets | -1.6587% | 6,002 |
| Return on assets (ROA) | -1.6587% | 6,003 |
| Pretax return on assets | -1.6587% | 6,000 |
| Return on Equity (ROE) | -17.1064% | 6,002 |
| Retained earnings to average equity (ytd only) | -17.1064% | 5,952 |
| Net charge-offs to loans | 0.0095% | 3,378 |
| Credit loss provision to net charge-offs | 1,250.0000% | 310 |
| Earnings coverage of net charge-offs (x) | -242.0000% | 3,686 |
| Efficiency ratio | 116.1500% | 109 |
| Assets per employee ($millions) | 1.7550% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 4,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 70.7382% | 2,360 |
| Net loans and leases to deposits | 80.2476% | 2,899 |
| Net loans and leases to core deposits | 82.7636% | 3,198 |
| Total domestic deposits to total assets | 88.1499% | 1,355 |
| Equity capital to assets | 9.8921% | 4,347 |
| Core capital (leverage) ratio | 8.8775% | 4,965 |
| Tier 1 risk-based capital ratio | 16.3570% | 2,479 |
| Total risk-based capital ratio | 17.6126% | 2,425 |
| Memoranda: | ||
| Average total assets | $61,373,000 | 5,213 |
| Average earning assets | $52,876,670 | 5,291 |
| Average equity | $5,951,000 | 5,395 |
| Average total loans | $42,305,670 | 4,891 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3806% | 5,167 |
| Cost of funding earning assets | 0.2169% | 5,036 |
| Net interest margin | 3.1637% | 4,693 |
| Noninterest income to average assets | 5.9523% | 97 |
| Noninterest expense to average assets | 10.3705% | 67 |
| Loan and lease loss provision to assets | 0.1585% | 1,321 |
| Net operating income to assets | -1.8953% | 6,071 |
| Return on assets (ROA) | -1.8953% | 6,071 |
| Pretax return on assets | -1.8953% | 6,071 |
| Return on Equity (ROE) | -19.7295% | 6,068 |
| Retained earnings to average equity (ytd only) | -19.7295% | 5,964 |
| Net charge-offs to loans | -0.0094% | 4,499 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.8414% | 113 |
| Assets per employee ($millions) | 1.8422% | 6,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 5,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 4,989 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 69.6719% | 2,396 |
| Net loans and leases to deposits | 86.0628% | 2,056 |
| Net loans and leases to core deposits | 88.7729% | 2,483 |
| Total domestic deposits to total assets | 80.9547% | 4,506 |
| Equity capital to assets | 9.4739% | 4,687 |
| Core capital (leverage) ratio | 9.1499% | 4,654 |
| Tier 1 risk-based capital ratio | 15.5039% | 2,914 |
| Total risk-based capital ratio | 16.7262% | 2,863 |
| Memoranda: | ||
| Average total assets | $63,102,000 | 5,220 |
| Average earning assets | $53,481,000 | 5,331 |
| Average equity | $6,062,000 | 5,408 |
| Average total loans | $42,779,500 | 4,908 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9989% | 5,727 |
| Cost of funding earning assets | 0.4487% | 2,636 |
| Net interest margin | 2.5502% | 5,796 |
| Noninterest income to average assets | 4.0377% | 155 |
| Noninterest expense to average assets | 9.4290% | 79 |
| Loan and lease loss provision to assets | 0.1462% | 1,618 |
| Net operating income to assets | -3.3486% | 6,167 |
| Return on assets (ROA) | -3.3211% | 6,168 |
| Pretax return on assets | -3.3211% | 6,166 |
| Return on Equity (ROE) | -31.0857% | 6,155 |
| Retained earnings to average equity (ytd only) | -31.0857% | 6,147 |
| Net charge-offs to loans | 0.0025% | 4,384 |
| Credit loss provision to net charge-offs | 10,100.0000% | 33 |
| Earnings coverage of net charge-offs (x) | -2,212.0000% | 4,461 |
| Efficiency ratio | 148.2213% | 40 |
| Assets per employee ($millions) | 1.5892% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 5,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 5,011 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 64.7485% | 3,157 |
| Net loans and leases to deposits | 73.3193% | 3,573 |
| Net loans and leases to core deposits | 76.1165% | 3,745 |
| Total domestic deposits to total assets | 88.3103% | 1,470 |
| Equity capital to assets | 9.7375% | 4,250 |
| Core capital (leverage) ratio | 9.0658% | 4,802 |
| Tier 1 risk-based capital ratio | 18.0331% | 1,956 |
| Total risk-based capital ratio | 19.2474% | 1,922 |
| Memoranda: | ||
| Average total assets | $69,074,400 | 5,109 |
| Average earning assets | $59,288,800 | 5,206 |
| Average equity | $7,379,600 | 5,173 |
| Average total loans | $39,957,000 | 5,020 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8214% | 5,943 |
| Cost of funding earning assets | 0.4945% | 2,267 |
| Net interest margin | 2.3269% | 6,018 |
| Noninterest income to average assets | 3.9289% | 160 |
| Noninterest expense to average assets | 8.7283% | 98 |
| Loan and lease loss provision to assets | 0.1628% | 1,312 |
| Net operating income to assets | -2.9675% | 6,244 |
| Return on assets (ROA) | -2.9315% | 6,244 |
| Pretax return on assets | -2.9315% | 6,243 |
| Return on Equity (ROE) | -26.9022% | 6,237 |
| Retained earnings to average equity (ytd only) | -26.9022% | 6,226 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.0256% | 46 |
| Assets per employee ($millions) | 1.7729% | 6,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 5,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 5,220 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 60.0263% | 3,881 |
| Net loans and leases to deposits | 68.2800% | 4,163 |
| Net loans and leases to core deposits | 70.6716% | 4,309 |
| Total domestic deposits to total assets | 87.9120% | 1,612 |
| Equity capital to assets | 10.0748% | 4,072 |
| Core capital (leverage) ratio | 9.6847% | 4,048 |
| Tier 1 risk-based capital ratio | 19.6665% | 1,630 |
| Total risk-based capital ratio | 20.7970% | 1,622 |
| Memoranda: | ||
| Average total assets | $70,450,750 | 5,144 |
| Average earning assets | $60,393,500 | 5,240 |
| Average equity | $7,677,000 | 5,184 |
| Average total loans | $39,564,500 | 5,084 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5174% | 6,158 |
| Cost of funding earning assets | 0.4556% | 2,652 |
| Net interest margin | 2.0618% | 6,187 |
| Noninterest income to average assets | 2.9540% | 220 |
| Noninterest expense to average assets | 7.8238% | 116 |
| Loan and lease loss provision to assets | 0.1524% | 1,396 |
| Net operating income to assets | -3.2474% | 6,327 |
| Return on assets (ROA) | -3.2474% | 6,328 |
| Pretax return on assets | -3.2474% | 6,326 |
| Return on Equity (ROE) | -29.0877% | 6,315 |
| Retained earnings to average equity (ytd only) | -29.0877% | 6,300 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.3365% | 34 |
| Assets per employee ($millions) | 1.7709% | 6,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 5,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 5,204 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 64.1464% | 3,247 |
| Net loans and leases to deposits | 73.7110% | 3,524 |
| Net loans and leases to core deposits | 80.5296% | 3,331 |
| Total domestic deposits to total assets | 87.0242% | 2,160 |
| Equity capital to assets | 11.1642% | 2,707 |
| Core capital (leverage) ratio | 10.1038% | 3,454 |
| Tier 1 risk-based capital ratio | 22.4706% | 1,140 |
| Total risk-based capital ratio | 23.6122% | 1,135 |
| Memoranda: | ||
| Average total assets | $70,886,670 | 5,187 |
| Average earning assets | $61,014,670 | 5,278 |
| Average equity | $7,914,000 | 5,189 |
| Average total loans | $38,800,330 | 5,150 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5012% | 6,224 |
| Cost of funding earning assets | 0.4725% | 2,537 |
| Net interest margin | 2.0287% | 6,266 |
| Noninterest income to average assets | 2.2890% | 306 |
| Noninterest expense to average assets | 7.1661% | 142 |
| Loan and lease loss provision to assets | 0.0489% | 2,951 |
| Net operating income to assets | -3.1753% | 6,389 |
| Return on assets (ROA) | -3.1753% | 6,389 |
| Pretax return on assets | -3.1753% | 6,387 |
| Return on Equity (ROE) | -28.4410% | 6,379 |
| Retained earnings to average equity (ytd only) | -28.4410% | 6,335 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.6783% | 29 |
| Assets per employee ($millions) | 2.0328% | 6,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 5,784 |
| Loan loss allowance to noncurrent loans | 138.6935% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 4,300 |
| Noncurrent loans to loans | 0.5486% | 3,936 |
| Net loans and leases to total assets | 50.5952% | 4,785 |
| Net loans and leases to deposits | 58.0678% | 4,911 |
| Net loans and leases to core deposits | 63.2443% | 4,765 |
| Total domestic deposits to total assets | 87.1312% | 2,303 |
| Equity capital to assets | 11.1681% | 2,791 |
| Core capital (leverage) ratio | 10.4616% | 3,019 |
| Tier 1 risk-based capital ratio | 28.8455% | 602 |
| Total risk-based capital ratio | 29.9874% | 597 |
| Memoranda: | ||
| Average total assets | $73,569,000 | 5,162 |
| Average earning assets | $63,488,500 | 5,264 |
| Average equity | $8,213,500 | 5,161 |
| Average total loans | $37,025,000 | 5,247 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8906% | 6,146 |
| Cost of funding earning assets | 0.5243% | 2,446 |
| Net interest margin | 2.3663% | 6,240 |
| Noninterest income to average assets | 3.0079% | 189 |
| Noninterest expense to average assets | 7.3580% | 128 |
| Loan and lease loss provision to assets | 0.1398% | 1,900 |
| Net operating income to assets | -2.3590% | 6,465 |
| Return on assets (ROA) | -2.3590% | 6,466 |
| Pretax return on assets | -2.3590% | 6,459 |
| Return on Equity (ROE) | -21.8390% | 6,447 |
| Retained earnings to average equity (ytd only) | -21.8390% | 6,434 |
| Net charge-offs to loans | 0.0025% | 4,918 |
| Credit loss provision to net charge-offs | 9,800.0000% | 26 |
| Earnings coverage of net charge-offs (x) | -1,556.0000% | 4,969 |
| Efficiency ratio | 138.9120% | 71 |
| Assets per employee ($millions) | 2.3747% | 6,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 5,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 5,452 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 49.3611% | 5,032 |
| Net loans and leases to deposits | 56.5405% | 5,148 |
| Net loans and leases to core deposits | 61.8297% | 5,008 |
| Total domestic deposits to total assets | 87.3021% | 2,127 |
| Equity capital to assets | 11.1608% | 2,739 |
| Core capital (leverage) ratio | 10.6636% | 2,761 |
| Tier 1 risk-based capital ratio | 32.5905% | 411 |
| Total risk-based capital ratio | 33.7905% | 405 |
| Memoranda: | ||
| Average total assets | $70,114,600 | 5,283 |
| Average earning assets | $63,136,600 | 5,306 |
| Average equity | $7,573,600 | 5,297 |
| Average total loans | $39,418,400 | 5,207 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7260% | 6,320 |
| Cost of funding earning assets | 0.5285% | 2,480 |
| Net interest margin | 2.1975% | 6,393 |
| Noninterest income to average assets | 2.5619% | 234 |
| Noninterest expense to average assets | 7.3943% | 129 |
| Loan and lease loss provision to assets | 0.0971% | 2,422 |
| Net operating income to assets | -2.9348% | 6,557 |
| Return on assets (ROA) | -2.9348% | 6,557 |
| Pretax return on assets | -2.9348% | 6,556 |
| Return on Equity (ROE) | -27.4219% | 6,533 |
| Retained earnings to average equity (ytd only) | -27.4219% | 6,523 |
| Net charge-offs to loans | 0.0033% | 4,588 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | -1,464.6241% | 4,695 |
| Efficiency ratio | 157.3743% | 44 |
| Assets per employee ($millions) | 2.4218% | 6,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6001% | 6,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 5,628 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 49.9257% | 5,021 |
| Net loans and leases to deposits | 56.6023% | 5,200 |
| Net loans and leases to core deposits | 62.0932% | 5,026 |
| Total domestic deposits to total assets | 88.2044% | 1,652 |
| Equity capital to assets | 10.4371% | 3,638 |
| Core capital (leverage) ratio | 10.0488% | 3,603 |
| Tier 1 risk-based capital ratio | 31.6047% | 455 |
| Total risk-based capital ratio | 32.8279% | 446 |
| Memoranda: | ||
| Average total assets | $68,646,000 | 5,388 |
| Average earning assets | $62,312,250 | 5,396 |
| Average equity | $7,346,750 | 5,372 |
| Average total loans | $39,829,000 | 5,250 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9649% | 6,214 |
| Cost of funding earning assets | 0.5300% | 2,538 |
| Net interest margin | 2.4349% | 6,329 |
| Noninterest income to average assets | 1.6758% | 459 |
| Noninterest expense to average assets | 7.5323% | 116 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -3.6042% | 6,635 |
| Return on assets (ROA) | -3.6042% | 6,636 |
| Pretax return on assets | -3.6042% | 6,636 |
| Return on Equity (ROE) | -33.3792% | 6,616 |
| Retained earnings to average equity (ytd only) | -33.3792% | 6,598 |
| Net charge-offs to loans | 0.0049% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1,213.0000% | 4,374 |
| Efficiency ratio | 185.9304% | 29 |
| Assets per employee ($millions) | 2.0800% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4878% | 6,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 5,828 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.7984% | 4,761 |
| Net loans and leases to deposits | 59.2816% | 4,925 |
| Net loans and leases to core deposits | 65.8914% | 4,652 |
| Total domestic deposits to total assets | 87.3768% | 2,260 |
| Equity capital to assets | 11.2245% | 2,675 |
| Core capital (leverage) ratio | 10.1571% | 3,406 |
| Tier 1 risk-based capital ratio | 38.8699% | 264 |
| Total risk-based capital ratio | 40.1084% | 261 |
| Memoranda: | ||
| Average total assets | $67,310,000 | 5,464 |
| Average earning assets | $62,261,670 | 5,449 |
| Average equity | $7,268,000 | 5,418 |
| Average total loans | $40,941,330 | 5,231 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0689% | 6,161 |
| Cost of funding earning assets | 0.5318% | 2,584 |
| Net interest margin | 2.5372% | 6,304 |
| Noninterest income to average assets | 0.8274% | 1,645 |
| Noninterest expense to average assets | 7.6176% | 122 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -4.4500% | 6,706 |
| Return on assets (ROA) | -4.4500% | 6,706 |
| Pretax return on assets | -4.4500% | 6,704 |
| Return on Equity (ROE) | -42.0289% | 6,683 |
| Retained earnings to average equity (ytd only) | -42.0289% | 6,655 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 233.2090% | 19 |
| Assets per employee ($millions) | 2.0744% | 6,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3917% | 6,566 |
| Loan loss allowance to noncurrent loans | 131.7829% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 5,657 |
| Noncurrent loans to loans | 0.2972% | 5,224 |
| Net loans and leases to total assets | 63.1568% | 3,043 |
| Net loans and leases to deposits | 72.3521% | 3,292 |
| Net loans and leases to core deposits | 79.9253% | 2,980 |
| Total domestic deposits to total assets | 87.2909% | 2,642 |
| Equity capital to assets | 11.1971% | 2,527 |
| Core capital (leverage) ratio | 10.6051% | 2,804 |
| Tier 1 risk-based capital ratio | 34.0589% | 380 |
| Total risk-based capital ratio | 35.0972% | 379 |
| Memoranda: | ||
| Average total assets | $67,685,000 | 5,515 |
| Average earning assets | $62,432,000 | 5,488 |
| Average equity | $7,166,500 | 5,474 |
| Average total loans | $44,089,000 | 5,160 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3935% | 5,848 |
| Cost of funding earning assets | 0.5230% | 3,371 |
| Net interest margin | 2.8705% | 5,852 |
| Noninterest income to average assets | -0.3791% | 6,784 |
| Noninterest expense to average assets | 5.9716% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -3.8493% | 6,784 |
| Return on assets (ROA) | -3.8379% | 6,783 |
| Pretax return on assets | -3.7342% | 6,780 |
| Return on Equity (ROE) | -37.0422% | 6,748 |
| Retained earnings to average equity (ytd only) | -37.0422% | 6,745 |
| Net charge-offs to loans | 0.0342% | 4,756 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -177.8462% | 5,469 |
| Efficiency ratio | 255.9680% | 14 |
| Assets per employee ($millions) | 2.3898% | 6,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3797% | 6,651 |
| Loan loss allowance to noncurrent loans | 131.7829% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 5,728 |
| Noncurrent loans to loans | 0.2881% | 5,324 |
| Net loans and leases to total assets | 66.6577% | 2,586 |
| Net loans and leases to deposits | 75.0618% | 3,090 |
| Net loans and leases to core deposits | 81.6385% | 2,939 |
| Total domestic deposits to total assets | 88.8037% | 1,749 |
| Equity capital to assets | 9.9649% | 3,822 |
| Core capital (leverage) ratio | 9.2528% | 4,628 |
| Tier 1 risk-based capital ratio | 27.8385% | 621 |
| Total risk-based capital ratio | 28.8102% | 624 |
| Memoranda: | ||
| Average total assets | $61,726,000 | 5,713 |
| Average earning assets | $56,018,800 | 5,701 |
| Average equity | $6,395,400 | 5,717 |
| Average total loans | $38,021,400 | 5,423 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4550% | 5,779 |
| Cost of funding earning assets | 0.5180% | 3,584 |
| Net interest margin | 2.9370% | 5,722 |
| Noninterest income to average assets | -0.6685% | 6,874 |
| Noninterest expense to average assets | 5.6087% | 237 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -3.7663% | 6,867 |
| Return on assets (ROA) | -3.7509% | 6,867 |
| Pretax return on assets | -3.6097% | 6,860 |
| Return on Equity (ROE) | -35.8230% | 6,833 |
| Retained earnings to average equity (ytd only) | -35.8230% | 6,829 |
| Net charge-offs to loans | 0.0404% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -149.3258% | 5,204 |
| Efficiency ratio | 268.6318% | 10 |
| Assets per employee ($millions) | 2.6472% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4949% | 6,658 |
| Loan loss allowance to noncurrent loans | 168.4615% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 5,847 |
| Noncurrent loans to loans | 0.2938% | 5,497 |
| Net loans and leases to total assets | 66.5382% | 2,554 |
| Net loans and leases to deposits | 74.3006% | 3,191 |
| Net loans and leases to core deposits | 80.4527% | 3,073 |
| Total domestic deposits to total assets | 89.5527% | 1,262 |
| Equity capital to assets | 9.1704% | 4,974 |
| Core capital (leverage) ratio | 8.7613% | 5,461 |
| Tier 1 risk-based capital ratio | 22.4230% | 1,244 |
| Total risk-based capital ratio | 23.3202% | 1,293 |
| Memoranda: | ||
| Average total assets | $60,428,750 | 5,809 |
| Average earning assets | $54,566,500 | 5,811 |
| Average equity | $6,327,250 | 5,804 |
| Average total loans | $36,333,250 | 5,535 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5116% | 5,668 |
| Cost of funding earning assets | 0.5027% | 3,874 |
| Net interest margin | 3.0089% | 5,553 |
| Noninterest income to average assets | -1.2784% | 6,931 |
| Noninterest expense to average assets | 5.0862% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -3.8625% | 6,917 |
| Return on assets (ROA) | -3.8386% | 6,916 |
| Pretax return on assets | -3.6198% | 6,909 |
| Return on Equity (ROE) | -35.0208% | 6,874 |
| Retained earnings to average equity (ytd only) | -35.0208% | 6,866 |
| Net charge-offs to loans | 0.0712% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -88.8333% | 4,902 |
| Efficiency ratio | 332.4645% | 7 |
| Assets per employee ($millions) | 3.4269% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5126% | 6,697 |
| Loan loss allowance to noncurrent loans | 162.6866% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 5,847 |
| Noncurrent loans to loans | 0.3151% | 5,508 |
| Net loans and leases to total assets | 68.5872% | 2,130 |
| Net loans and leases to deposits | 77.0553% | 2,717 |
| Net loans and leases to core deposits | 83.9828% | 2,565 |
| Total domestic deposits to total assets | 89.0103% | 1,629 |
| Equity capital to assets | 9.8760% | 4,086 |
| Core capital (leverage) ratio | 8.6459% | 5,488 |
| Tier 1 risk-based capital ratio | 22.4167% | 1,217 |
| Total risk-based capital ratio | 23.3206% | 1,248 |
| Memoranda: | ||
| Average total assets | $58,511,670 | 5,895 |
| Average earning assets | $52,909,670 | 5,902 |
| Average equity | $6,413,330 | 5,826 |
| Average total loans | $33,693,000 | 5,679 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5721% | 5,525 |
| Cost of funding earning assets | 0.4368% | 4,736 |
| Net interest margin | 3.1353% | 5,141 |
| Noninterest income to average assets | 0.7800% | 2,213 |
| Noninterest expense to average assets | 5.1506% | 334 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.7216% | 6,902 |
| Return on assets (ROA) | -1.6864% | 6,902 |
| Pretax return on assets | -1.5108% | 6,879 |
| Return on Equity (ROE) | -14.6030% | 6,862 |
| Retained earnings to average equity (ytd only) | -14.6030% | 6,736 |
| Net charge-offs to loans | 0.1776% | 2,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -16.9231% | 4,116 |
| Efficiency ratio | 134.6979% | 129 |
| Assets per employee ($millions) | 3.6534% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 6,460 |
| Loan loss allowance to noncurrent loans | 168.9922% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 5,945 |
| Noncurrent loans to loans | 0.4718% | 5,244 |
| Net loans and leases to total assets | 43.6762% | 5,696 |
| Net loans and leases to deposits | 49.5334% | 5,820 |
| Net loans and leases to core deposits | 53.7276% | 5,691 |
| Total domestic deposits to total assets | 88.1752% | 2,211 |
| Equity capital to assets | 10.7605% | 3,244 |
| Core capital (leverage) ratio | 10.0363% | 3,329 |
| Tier 1 risk-based capital ratio | 26.5741% | 738 |
| Total risk-based capital ratio | 27.6000% | 744 |
| Memoranda: | ||
| Average total assets | $56,925,000 | 5,999 |
| Average earning assets | $51,287,000 | 6,012 |
| Average equity | $6,574,000 | 5,846 |
| Average total loans | $29,276,500 | 5,920 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 4,461 |
| Cost of funding earning assets | 0.2586% | 6,638 |
| Net interest margin | 3.9752% | 2,491 |
| Noninterest income to average assets | 0.5573% | 3,525 |
| Noninterest expense to average assets | 15.0565% | 50 |
| Loan and lease loss provision to assets | -0.2222% | 6,989 |
| Net operating income to assets | -10.4513% | 7,081 |
| Return on assets (ROA) | -10.2981% | 7,081 |
| Pretax return on assets | -10.8980% | 7,081 |
| Return on Equity (ROE) | -52.0173% | 7,024 |
| Retained earnings to average equity (ytd only) | -52.0173% | 7,019 |
| Net charge-offs to loans | -0.5333% | 7,006 |
| Credit loss provision to net charge-offs | 97.5610% | 3,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.1335% | 78 |
| Assets per employee ($millions) | 3.2339% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7402% | 6,581 |
| Loan loss allowance to noncurrent loans | 135.0877% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 5,682 |
| Noncurrent loans to loans | 0.5479% | 5,160 |
| Net loans and leases to total assets | 59.8690% | 3,625 |
| Net loans and leases to deposits | 69.3719% | 3,783 |
| Net loans and leases to core deposits | 70.9609% | 4,173 |
| Total domestic deposits to total assets | 86.3015% | 3,201 |
| Equity capital to assets | 12.4944% | 1,718 |
| Core capital (leverage) ratio | 10.3022% | 3,013 |
| Tier 1 risk-based capital ratio | 22.5147% | 1,181 |
| Total risk-based capital ratio | 23.4878% | 1,196 |
| Memoranda: | ||
| Average total assets | $54,009,800 | 6,088 |
| Average earning assets | $43,696,400 | 6,246 |
| Average equity | $10,692,600 | 4,816 |
| Average total loans | $23,064,000 | 6,291 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 4,123 |
| Cost of funding earning assets | 0.2507% | 6,807 |
| Net interest margin | 4.1317% | 1,970 |
| Noninterest income to average assets | 0.5570% | 3,561 |
| Noninterest expense to average assets | 6.2174% | 194 |
| Loan and lease loss provision to assets | -0.2932% | 7,114 |
| Net operating income to assets | -1.3087% | 6,928 |
| Return on assets (ROA) | -1.2117% | 6,930 |
| Pretax return on assets | -1.9544% | 7,025 |
| Return on Equity (ROE) | -5.6285% | 6,741 |
| Retained earnings to average equity (ytd only) | -5.6285% | 6,654 |
| Net charge-offs to loans | -0.7799% | 7,113 |
| Credit loss provision to net charge-offs | 97.5610% | 3,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.9347% | 80 |
| Assets per employee ($millions) | 3.1162% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 4,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 28.7331% | 6,856 |
| Net loans and leases to deposits | 36.2559% | 6,809 |
| Net loans and leases to core deposits | 37.0454% | 6,834 |
| Total domestic deposits to total assets | 79.2508% | 5,811 |
| Equity capital to assets | 19.6936% | 248 |
| Core capital (leverage) ratio | 10.9349% | 2,455 |
| Tier 1 risk-based capital ratio | 26.3718% | 796 |
| Total risk-based capital ratio | 27.4551% | 790 |
| Memoranda: | ||
| Average total assets | $54,576,500 | 6,134 |
| Average earning assets | $43,080,250 | 6,338 |
| Average equity | $11,749,500 | 4,664 |
| Average total loans | $21,027,750 | 6,461 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 3,736 |
| Cost of funding earning assets | 0.2346% | 6,959 |
| Net interest margin | 4.2716% | 1,541 |
| Noninterest income to average assets | 0.5845% | 3,357 |
| Noninterest expense to average assets | 6.5393% | 172 |
| Loan and lease loss provision to assets | 0.0377% | 5,203 |
| Net operating income to assets | -1.6292% | 7,034 |
| Return on assets (ROA) | -1.6292% | 7,045 |
| Pretax return on assets | -2.6286% | 7,128 |
| Return on Equity (ROE) | -7.3349% | 6,840 |
| Retained earnings to average equity (ytd only) | -7.3349% | 6,732 |
| Net charge-offs to loans | 0.0090% | 5,342 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | -687.0000% | 5,505 |
| Efficiency ratio | 156.9245% | 91 |
| Assets per employee ($millions) | 2.3635% | 6,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 5,709 |
| Loan loss allowance to noncurrent loans | 113.4615% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 5,824 |
| Noncurrent loans to loans | 0.9853% | 4,536 |
| Net loans and leases to total assets | 38.4014% | 6,448 |
| Net loans and leases to deposits | 49.4868% | 6,208 |
| Net loans and leases to core deposits | 51.2132% | 6,286 |
| Total domestic deposits to total assets | 77.5993% | 6,231 |
| Equity capital to assets | 21.4073% | 181 |
| Core capital (leverage) ratio | 11.8365% | 1,694 |
| Tier 1 risk-based capital ratio | 22.4680% | 1,203 |
| Total risk-based capital ratio | 23.4120% | 1,241 |
| Memoranda: | ||
| Average total assets | $53,033,000 | 6,228 |
| Average earning assets | $41,764,670 | 6,417 |
| Average equity | $11,779,330 | 4,655 |
| Average total loans | $22,289,670 | 6,449 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 4,020 |
| Cost of funding earning assets | 0.1958% | 7,114 |
| Net interest margin | 4.2774% | 1,539 |
| Noninterest income to average assets | 0.5958% | 3,257 |
| Noninterest expense to average assets | 6.5076% | 169 |
| Loan and lease loss provision to assets | 0.0764% | 4,441 |
| Net operating income to assets | -1.6422% | 7,117 |
| Return on assets (ROA) | -1.6422% | 7,119 |
| Pretax return on assets | -2.6504% | 7,188 |
| Return on Equity (ROE) | -7.2571% | 6,928 |
| Retained earnings to average equity (ytd only) | -7.2571% | 6,727 |
| Net charge-offs to loans | 0.0175% | 4,444 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | -337.0000% | 4,728 |
| Efficiency ratio | 156.5049% | 89 |
| Assets per employee ($millions) | 4.3813% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 6,097 |
| Loan loss allowance to noncurrent loans | 83.6879% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 5,535 |
| Noncurrent loans to loans | 1.2494% | 4,247 |
| Net loans and leases to total assets | 42.4795% | 6,149 |
| Net loans and leases to deposits | 55.5420% | 5,658 |
| Net loans and leases to core deposits | 57.5752% | 5,752 |
| Total domestic deposits to total assets | 76.4817% | 6,491 |
| Equity capital to assets | 22.3543% | 138 |
| Core capital (leverage) ratio | 12.8817% | 1,170 |
| Tier 1 risk-based capital ratio | 22.9947% | 1,135 |
| Total risk-based capital ratio | 23.9323% | 1,156 |
| Memoranda: | ||
| Average total assets | $52,369,500 | 6,295 |
| Average earning assets | $40,866,000 | 6,495 |
| Average equity | $11,850,500 | 4,645 |
| Average total loans | $22,879,000 | 6,468 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3631% | 1,520 |
| Cost of funding earning assets | 0.1837% | 7,252 |
| Net interest margin | 5.1794% | 297 |
| Noninterest income to average assets | 0.6977% | 2,610 |
| Noninterest expense to average assets | 3.9559% | 1,104 |
| Loan and lease loss provision to assets | 0.4360% | 2,413 |
| Net operating income to assets | 0.3577% | 5,043 |
| Return on assets (ROA) | 0.7923% | 3,237 |
| Pretax return on assets | 1.2747% | 2,221 |
| Return on Equity (ROE) | 3.9384% | 4,879 |
| Retained earnings to average equity (ytd only) | 3.9384% | 3,397 |
| Net charge-offs to loans | 0.0473% | 5,835 |
| Credit loss provision to net charge-offs | 2,937.5000% | 77 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 431 |
| Efficiency ratio | 71.8750% | 3,596 |
| Assets per employee ($millions) | 5.7959% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 6,307 |
| Loan loss allowance to noncurrent loans | 78.2759% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 5,583 |
| Noncurrent loans to loans | 1.2506% | 4,277 |
| Net loans and leases to total assets | 44.0178% | 6,210 |
| Net loans and leases to deposits | 58.3211% | 5,669 |
| Net loans and leases to core deposits | 58.9454% | 5,942 |
| Total domestic deposits to total assets | 75.4750% | 6,542 |
| Equity capital to assets | 22.9051% | 133 |
| Core capital (leverage) ratio | 12.3648% | 1,407 |
| Tier 1 risk-based capital ratio | 23.4685% | 1,037 |
| Total risk-based capital ratio | 24.3628% | 1,070 |
| Memoranda: | ||
| Average total assets | $53,894,400 | 6,232 |
| Average earning assets | $44,638,400 | 6,372 |
| Average equity | $10,842,000 | 4,817 |
| Average total loans | $16,923,800 | 6,805 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5016% | 5,248 |
| Cost of funding earning assets | 0.1818% | 7,343 |
| Net interest margin | 4.3198% | 1,642 |
| Noninterest income to average assets | 0.6700% | 2,773 |
| Noninterest expense to average assets | 3.4874% | 1,973 |
| Loan and lease loss provision to assets | 0.0933% | 5,298 |
| Net operating income to assets | 0.7044% | 3,596 |
| Return on assets (ROA) | 0.7044% | 3,763 |
| Pretax return on assets | 0.7044% | 4,463 |
| Return on Equity (ROE) | 3.6218% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.6218% | 4,173 |
| Net charge-offs to loans | 0.0521% | 5,457 |
| Credit loss provision to net charge-offs | 633.3333% | 428 |
| Earnings coverage of net charge-offs (x) | 54.1650% | 602 |
| Efficiency ratio | 76.0023% | 2,836 |
| Assets per employee ($millions) | 6.4027% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2517% | 7,313 |
| Loan loss allowance to noncurrent loans | 10.7383% | 6,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 5,795 |
| Noncurrent loans to loans | 2.3442% | 2,956 |
| Net loans and leases to total assets | 22.0047% | 7,258 |
| Net loans and leases to deposits | 28.1321% | 7,238 |
| Net loans and leases to core deposits | 28.3936% | 7,250 |
| Total domestic deposits to total assets | 78.2191% | 6,150 |
| Equity capital to assets | 20.9791% | 210 |
| Core capital (leverage) ratio | 12.4890% | 1,440 |
| Tier 1 risk-based capital ratio | 35.6108% | 330 |
| Total risk-based capital ratio | 35.7978% | 361 |
| Memoranda: | ||
| Average total assets | $54,327,250 | 6,270 |
| Average earning assets | $45,464,000 | 6,402 |
| Average equity | $10,565,500 | 4,909 |
| Average total loans | $15,357,750 | 6,956 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9539% | 7,348 |
| Cost of funding earning assets | 0.1753% | 7,427 |
| Net interest margin | 2.7786% | 6,951 |
| Noninterest income to average assets | 0.6688% | 2,721 |
| Noninterest expense to average assets | 3.5207% | 1,933 |
| Loan and lease loss provision to assets | 0.0150% | 6,095 |
| Net operating income to assets | -0.5448% | 6,727 |
| Return on assets (ROA) | -0.5448% | 6,747 |
| Pretax return on assets | -0.5448% | 6,685 |
| Return on Equity (ROE) | -2.8834% | 6,583 |
| Retained earnings to average equity (ytd only) | -2.8834% | 6,361 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7990% | 477 |
| Assets per employee ($millions) | 6.5664% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0287% | 7,439 |
| Loan loss allowance to noncurrent loans | 1.4035% | 7,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5425% | 5,835 |
| Noncurrent loans to loans | 2.0415% | 3,425 |
| Net loans and leases to total assets | 26.5672% | 7,273 |
| Net loans and leases to deposits | 34.1139% | 7,213 |
| Net loans and leases to core deposits | 34.4610% | 7,251 |
| Total domestic deposits to total assets | 77.8778% | 6,308 |
| Equity capital to assets | 21.5815% | 190 |
| Core capital (leverage) ratio | 11.7316% | 1,762 |
| Tier 1 risk-based capital ratio | 30.6495% | 506 |
| Total risk-based capital ratio | 30.6712% | 551 |
| Memoranda: | ||
| Average total assets | $53,228,330 | 6,361 |
| Average earning assets | $44,483,000 | 6,493 |
| Average equity | $10,057,670 | 5,035 |
| Average total loans | $16,239,670 | 6,969 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5376% | 7,478 |
| Cost of funding earning assets | 0.1508% | 7,506 |
| Net interest margin | 2.3867% | 7,263 |
| Noninterest income to average assets | 0.6495% | 2,852 |
| Noninterest expense to average assets | 3.5986% | 1,774 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.9407% | 7,023 |
| Return on assets (ROA) | -0.9407% | 7,023 |
| Pretax return on assets | -0.9407% | 6,979 |
| Return on Equity (ROE) | -5.3515% | 6,829 |
| Retained earnings to average equity (ytd only) | -5.3515% | 6,548 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.6854% | 285 |
| Assets per employee ($millions) | 4.5346% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 6,964 |
| Noncurrent loans to loans | 0.2947% | 6,396 |
| Net loans and leases to total assets | 26.8180% | 7,323 |
| Net loans and leases to deposits | 34.1981% | 7,268 |
| Net loans and leases to core deposits | 34.5298% | 7,299 |
| Total domestic deposits to total assets | 78.4196% | 6,315 |
| Equity capital to assets | 20.9501% | 210 |
| Core capital (leverage) ratio | 11.6764% | 1,757 |
| Tier 1 risk-based capital ratio | 38.5799% | 260 |
| Total risk-based capital ratio | 38.5799% | 282 |
| Memoranda: | ||
| Average total assets | $53,577,000 | 6,390 |
| Average earning assets | $45,082,500 | 6,522 |
| Average equity | $9,418,000 | 5,199 |
| Average total loans | $17,379,500 | 6,975 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2630% | 6,843 |
| Cost of funding earning assets | 0.3844% | 7,440 |
| Net interest margin | 3.8785% | 3,599 |
| Noninterest income to average assets | 0.7747% | 2,404 |
| Noninterest expense to average assets | 4.4092% | 715 |
| Loan and lease loss provision to assets | 0.4747% | 3,289 |
| Net operating income to assets | -0.5203% | 6,399 |
| Return on assets (ROA) | -0.5203% | 6,432 |
| Pretax return on assets | -0.8716% | 6,558 |
| Return on Equity (ROE) | -3.6303% | 6,334 |
| Retained earnings to average equity (ytd only) | -3.6303% | 6,172 |
| Net charge-offs to loans | 1.5791% | 1,381 |
| Credit loss provision to net charge-offs | 60.2410% | 6,078 |
| Earnings coverage of net charge-offs (x) | -0.5036% | 6,457 |
| Efficiency ratio | 97.6337% | 884 |
| Assets per employee ($millions) | 3.7671% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 4,432 |
| Loan loss allowance to noncurrent loans | 16.4841% | 6,931 |
| Noncurrent assets plus other real estate owned to assets | 4.0729% | 1,662 |
| Noncurrent loans to loans | 8.6036% | 567 |
| Net loans and leases to total assets | 37.6951% | 7,089 |
| Net loans and leases to deposits | 44.8546% | 7,088 |
| Net loans and leases to core deposits | 45.2713% | 7,163 |
| Total domestic deposits to total assets | 84.0384% | 4,346 |
| Equity capital to assets | 14.0996% | 1,006 |
| Core capital (leverage) ratio | 8.8744% | 4,741 |
| Tier 1 risk-based capital ratio | 21.4808% | 1,249 |
| Total risk-based capital ratio | 22.7323% | 1,228 |
| Memoranda: | ||
| Average total assets | $52,662,200 | 6,438 |
| Average earning assets | $43,959,800 | 6,581 |
| Average equity | $7,547,600 | 5,859 |
| Average total loans | $26,280,000 | 6,599 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4226% | 6,782 |
| Cost of funding earning assets | 0.4237% | 7,543 |
| Net interest margin | 3.9989% | 3,110 |
| Noninterest income to average assets | 0.7801% | 2,321 |
| Noninterest expense to average assets | 4.3715% | 681 |
| Loan and lease loss provision to assets | 0.6332% | 2,408 |
| Net operating income to assets | -0.5420% | 6,621 |
| Return on assets (ROA) | -0.5420% | 6,678 |
| Pretax return on assets | -0.9017% | 6,807 |
| Return on Equity (ROE) | -3.7665% | 6,554 |
| Retained earnings to average equity (ytd only) | -3.7665% | 6,433 |
| Net charge-offs to loans | 1.1363% | 1,796 |
| Credit loss provision to net charge-offs | 105.4852% | 4,060 |
| Earnings coverage of net charge-offs (x) | -0.4473% | 6,305 |
| Efficiency ratio | 94.5679% | 972 |
| Assets per employee ($millions) | 4.1271% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1462% | 1,898 |
| Loan loss allowance to noncurrent loans | 24.0539% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 4.5102% | 1,501 |
| Noncurrent loans to loans | 8.9223% | 544 |
| Net loans and leases to total assets | 36.6147% | 7,238 |
| Net loans and leases to deposits | 42.9276% | 7,276 |
| Net loans and leases to core deposits | 43.2833% | 7,344 |
| Total domestic deposits to total assets | 85.2942% | 3,468 |
| Equity capital to assets | 12.9803% | 1,582 |
| Core capital (leverage) ratio | 9.2448% | 4,287 |
| Tier 1 risk-based capital ratio | 20.1615% | 1,518 |
| Total risk-based capital ratio | 21.4216% | 1,481 |
| Memoranda: | ||
| Average total assets | $52,643,000 | 6,515 |
| Average earning assets | $43,744,250 | 6,669 |
| Average equity | $7,575,500 | 5,919 |
| Average total loans | $27,808,500 | 6,602 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7198% | 6,077 |
| Cost of funding earning assets | 0.4672% | 7,586 |
| Net interest margin | 4.2526% | 1,954 |
| Noninterest income to average assets | 0.8443% | 1,902 |
| Noninterest expense to average assets | 4.5552% | 541 |
| Loan and lease loss provision to assets | 0.9817% | 1,476 |
| Net operating income to assets | -0.7226% | 6,818 |
| Return on assets (ROA) | -0.7226% | 6,832 |
| Pretax return on assets | -1.1899% | 6,970 |
| Return on Equity (ROE) | -4.8417% | 6,686 |
| Retained earnings to average equity (ytd only) | -4.8417% | 6,538 |
| Net charge-offs to loans | 0.9374% | 1,961 |
| Credit loss provision to net charge-offs | 178.5714% | 2,191 |
| Earnings coverage of net charge-offs (x) | -0.3786% | 5,969 |
| Efficiency ratio | 93.0443% | 1,122 |
| Assets per employee ($millions) | 3.1686% | 5,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 2,944 |
| Loan loss allowance to noncurrent loans | 28.7840% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 4.7695% | 1,360 |
| Noncurrent loans to loans | 6.0314% | 1,057 |
| Net loans and leases to total assets | 62.6329% | 4,550 |
| Net loans and leases to deposits | 75.2566% | 4,474 |
| Net loans and leases to core deposits | 75.9823% | 5,198 |
| Total domestic deposits to total assets | 83.2258% | 4,478 |
| Equity capital to assets | 14.8707% | 909 |
| Core capital (leverage) ratio | 10.0017% | 3,161 |
| Tier 1 risk-based capital ratio | 13.8895% | 3,806 |
| Total risk-based capital ratio | 15.1434% | 3,768 |
| Memoranda: | ||
| Average total assets | $50,930,670 | 6,618 |
| Average earning assets | $41,951,000 | 6,781 |
| Average equity | $7,600,670 | 5,922 |
| Average total loans | $29,871,330 | 6,535 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9778% | 5,126 |
| Cost of funding earning assets | 0.4950% | 7,678 |
| Net interest margin | 4.4828% | 1,181 |
| Noninterest income to average assets | 0.8698% | 1,736 |
| Noninterest expense to average assets | 4.5683% | 532 |
| Loan and lease loss provision to assets | 1.9590% | 570 |
| Net operating income to assets | -1.1675% | 7,202 |
| Return on assets (ROA) | -1.1675% | 7,217 |
| Pretax return on assets | -1.8963% | 7,382 |
| Return on Equity (ROE) | -7.8097% | 7,046 |
| Retained earnings to average equity (ytd only) | -7.8097% | 6,816 |
| Net charge-offs to loans | 0.7120% | 2,074 |
| Credit loss provision to net charge-offs | 490.1961% | 867 |
| Earnings coverage of net charge-offs (x) | 0.1569% | 4,892 |
| Efficiency ratio | 87.6481% | 1,627 |
| Assets per employee ($millions) | 2.9718% | 6,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3204% | 1,542 |
| Loan loss allowance to noncurrent loans | 26.6831% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 4.8219% | 1,364 |
| Noncurrent loans to loans | 8.6963% | 580 |
| Net loans and leases to total assets | 54.1607% | 6,009 |
| Net loans and leases to deposits | 65.1678% | 5,917 |
| Net loans and leases to core deposits | 65.7946% | 6,303 |
| Total domestic deposits to total assets | 83.1097% | 4,566 |
| Equity capital to assets | 14.9703% | 888 |
| Core capital (leverage) ratio | 9.8761% | 3,311 |
| Tier 1 risk-based capital ratio | 16.2008% | 2,565 |
| Total risk-based capital ratio | 17.4656% | 2,517 |
| Memoranda: | ||
| Average total assets | $51,047,500 | 6,698 |
| Average earning assets | $42,830,000 | 6,828 |
| Average equity | $7,631,500 | 5,968 |
| Average total loans | $28,650,000 | 6,681 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7912% | 2,694 |
| Cost of funding earning assets | 0.5728% | 7,787 |
| Net interest margin | 5.2183% | 281 |
| Noninterest income to average assets | 0.7611% | 2,611 |
| Noninterest expense to average assets | 4.3665% | 912 |
| Loan and lease loss provision to assets | 0.6009% | 3,388 |
| Net operating income to assets | 0.1335% | 5,097 |
| Return on assets (ROA) | 0.1335% | 5,160 |
| Pretax return on assets | 0.2251% | 4,948 |
| Return on Equity (ROE) | 0.8958% | 5,262 |
| Retained earnings to average equity (ytd only) | -5.5028% | 6,088 |
| Net charge-offs to loans | 0.6991% | 3,087 |
| Credit loss provision to net charge-offs | 142.5339% | 3,387 |
| Earnings coverage of net charge-offs (x) | 1.9593% | 4,254 |
| Efficiency ratio | 74.5775% | 3,783 |
| Assets per employee ($millions) | 3.0338% | 6,138 |
| Cash dividends to net income (ytd only)* | 714.2857% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 3,528 |
| Loan loss allowance to noncurrent loans | 26.6391% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 3.2826% | 2,092 |
| Noncurrent loans to loans | 5.7805% | 1,096 |
| Net loans and leases to total assets | 55.9127% | 5,961 |
| Net loans and leases to deposits | 67.1847% | 5,923 |
| Net loans and leases to core deposits | 70.7379% | 6,728 |
| Total domestic deposits to total assets | 83.2225% | 4,413 |
| Equity capital to assets | 14.9297% | 928 |
| Core capital (leverage) ratio | 9.5301% | 3,683 |
| Tier 1 risk-based capital ratio | 14.9242% | 2,984 |
| Total risk-based capital ratio | 16.1779% | 2,929 |
| Memoranda: | ||
| Average total assets | $52,421,400 | 6,619 |
| Average earning assets | $44,516,200 | 6,740 |
| Average equity | $7,814,200 | 5,994 |
| Average total loans | $31,613,600 | 6,546 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9395% | 2,276 |
| Cost of funding earning assets | 0.5749% | 7,899 |
| Net interest margin | 5.3646% | 225 |
| Noninterest income to average assets | 0.7676% | 2,608 |
| Noninterest expense to average assets | 4.3216% | 888 |
| Loan and lease loss provision to assets | 0.4661% | 3,573 |
| Net operating income to assets | 0.2508% | 4,987 |
| Return on assets (ROA) | 0.2508% | 5,071 |
| Pretax return on assets | 0.5421% | 4,395 |
| Return on Equity (ROE) | 1.6831% | 5,272 |
| Retained earnings to average equity (ytd only) | -6.8171% | 6,488 |
| Net charge-offs to loans | 0.2485% | 4,496 |
| Credit loss provision to net charge-offs | 306.6667% | 1,346 |
| Earnings coverage of net charge-offs (x) | 6.6331% | 2,563 |
| Efficiency ratio | 71.8631% | 4,268 |
| Assets per employee ($millions) | 3.0679% | 5,992 |
| Cash dividends to net income (ytd only)* | 505.0379% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 3,069 |
| Loan loss allowance to noncurrent loans | 34.6792% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 2.5117% | 2,762 |
| Noncurrent loans to loans | 4.5592% | 1,523 |
| Net loans and leases to total assets | 54.2193% | 6,358 |
| Net loans and leases to deposits | 64.3077% | 6,467 |
| Net loans and leases to core deposits | 67.8888% | 7,078 |
| Total domestic deposits to total assets | 84.3124% | 3,571 |
| Equity capital to assets | 13.9962% | 1,305 |
| Core capital (leverage) ratio | 9.5593% | 3,835 |
| Tier 1 risk-based capital ratio | 14.5182% | 3,272 |
| Total risk-based capital ratio | 15.7704% | 3,214 |
| Memoranda: | ||
| Average total assets | $52,633,000 | 6,653 |
| Average earning assets | $44,761,250 | 6,783 |
| Average equity | $7,842,750 | 6,035 |
| Average total loans | $32,195,000 | 6,560 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2694% | 1,282 |
| Cost of funding earning assets | 0.5741% | 8,003 |
| Net interest margin | 5.6953% | 142 |
| Noninterest income to average assets | 0.7997% | 2,413 |
| Noninterest expense to average assets | 4.3500% | 899 |
| Loan and lease loss provision to assets | 0.1932% | 5,119 |
| Net operating income to assets | 0.7070% | 3,221 |
| Return on assets (ROA) | 0.7070% | 3,328 |
| Pretax return on assets | 1.0856% | 2,687 |
| Return on Equity (ROE) | 4.6443% | 4,236 |
| Retained earnings to average equity (ytd only) | -8.0450% | 6,672 |
| Net charge-offs to loans | 0.2745% | 3,823 |
| Credit loss provision to net charge-offs | 111.1111% | 4,162 |
| Earnings coverage of net charge-offs (x) | 7.3556% | 2,451 |
| Efficiency ratio | 68.3596% | 5,096 |
| Assets per employee ($millions) | 3.0064% | 6,111 |
| Cash dividends to net income (ytd only)* | 273.2240% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 5,247 |
| Loan loss allowance to noncurrent loans | 92.5831% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.7650% | 5,486 |
| Noncurrent loans to loans | 1.2465% | 4,715 |
| Net loans and leases to total assets | 60.6676% | 5,572 |
| Net loans and leases to deposits | 73.1256% | 5,593 |
| Net loans and leases to core deposits | 77.3622% | 6,586 |
| Total domestic deposits to total assets | 82.9635% | 4,252 |
| Equity capital to assets | 15.2461% | 975 |
| Core capital (leverage) ratio | 10.1941% | 3,099 |
| Tier 1 risk-based capital ratio | 14.2619% | 3,373 |
| Total risk-based capital ratio | 15.3201% | 3,417 |
| Memoranda: | ||
| Average total assets | $51,770,000 | 6,760 |
| Average earning assets | $43,896,000 | 6,886 |
| Average equity | $7,880,670 | 6,061 |
| Average total loans | $32,786,000 | 6,565 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5564% | 776 |
| Cost of funding earning assets | 0.5697% | 8,070 |
| Net interest margin | 5.9867% | 101 |
| Noninterest income to average assets | 0.7831% | 2,409 |
| Noninterest expense to average assets | 4.1688% | 976 |
| Loan and lease loss provision to assets | 0.3301% | 3,340 |
| Net operating income to assets | 0.8906% | 2,737 |
| Return on assets (ROA) | 0.8906% | 2,885 |
| Pretax return on assets | 1.3666% | 2,063 |
| Return on Equity (ROE) | 5.8549% | 4,093 |
| Retained earnings to average equity (ytd only) | -19.3817% | 7,625 |
| Net charge-offs to loans | 0.4657% | 2,284 |
| Credit loss provision to net charge-offs | 110.2564% | 3,500 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,630 |
| Efficiency ratio | 62.5654% | 5,958 |
| Assets per employee ($millions) | 2.8529% | 6,525 |
| Cash dividends to net income (ytd only)* | 431.0345% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 5,474 |
| Loan loss allowance to noncurrent loans | 925.6410% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 7,366 |
| Noncurrent loans to loans | 0.1188% | 7,182 |
| Net loans and leases to total assets | 63.2283% | 5,119 |
| Net loans and leases to deposits | 76.1022% | 5,209 |
| Net loans and leases to core deposits | 80.1506% | 6,370 |
| Total domestic deposits to total assets | 83.0834% | 4,101 |
| Equity capital to assets | 15.0724% | 1,083 |
| Core capital (leverage) ratio | 9.9325% | 3,479 |
| Tier 1 risk-based capital ratio | 13.5853% | 3,809 |
| Total risk-based capital ratio | 14.6137% | 3,862 |
| Memoranda: | ||
| Average total assets | $52,101,000 | 6,777 |
| Average earning assets | $44,231,500 | 6,920 |
| Average equity | $7,925,000 | 6,085 |
| Average total loans | $33,495,000 | 6,563 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2362% | 679 |
| Cost of funding earning assets | 0.8480% | 8,109 |
| Net interest margin | 6.3882% | 78 |
| Noninterest income to average assets | 0.8511% | 2,220 |
| Noninterest expense to average assets | 4.1690% | 1,181 |
| Loan and lease loss provision to assets | 0.2442% | 4,471 |
| Net operating income to assets | 1.1479% | 1,954 |
| Return on assets (ROA) | 1.1479% | 1,878 |
| Pretax return on assets | 1.7736% | 991 |
| Return on Equity (ROE) | 7.2934% | 3,374 |
| Retained earnings to average equity (ytd only) | -4.6434% | 6,449 |
| Net charge-offs to loans | 0.2993% | 3,395 |
| Credit loss provision to net charge-offs | 125.0000% | 4,278 |
| Earnings coverage of net charge-offs (x) | 10.3269% | 2,530 |
| Efficiency ratio | 59.5202% | 6,431 |
| Assets per employee ($millions) | 2.7816% | 6,607 |
| Cash dividends to net income (ytd only)* | 163.6661% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 5,667 |
| Loan loss allowance to noncurrent loans | 915.3846% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 7,278 |
| Noncurrent loans to loans | 0.1142% | 7,077 |
| Net loans and leases to total assets | 63.9603% | 5,280 |
| Net loans and leases to deposits | 77.0983% | 5,456 |
| Net loans and leases to core deposits | 80.8104% | 6,550 |
| Total domestic deposits to total assets | 82.9593% | 3,789 |
| Equity capital to assets | 15.3453% | 1,076 |
| Core capital (leverage) ratio | 9.8463% | 3,591 |
| Tier 1 risk-based capital ratio | 14.1965% | 3,448 |
| Total risk-based capital ratio | 15.1879% | 3,494 |
| Memoranda: | ||
| Average total assets | $53,226,400 | 6,648 |
| Average earning assets | $44,457,200 | 6,839 |
| Average equity | $8,377,400 | 5,953 |
| Average total loans | $34,750,800 | 6,443 |