Home > Atkins Savings Bank & Trust > Performance and Condition Ratios
Atkins Savings Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 2,946 |
| Cost of funding earning assets | 2.0577% | 838 |
| Net interest margin | 2.5218% | 4,074 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.3443% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0733% | 2,000 |
| Return on assets (ROA) | 1.0539% | 2,022 |
| Pretax return on assets | 1.3436% | 1,754 |
| Return on Equity (ROE) | 13.0600% | 1,714 |
| Retained earnings to average equity (ytd only) | 7.6733% | 1,643 |
| Net charge-offs to loans | -0.0146% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.5594% | 4,012 |
| Assets per employee ($millions) | 13.3122% | 303 |
| Cash dividends to net income (ytd only)* | 41.2371% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 3,418 |
| Loan loss allowance to noncurrent loans | 264.3059% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 2,006 |
| Noncurrent loans to loans | 0.3703% | 1,876 |
| Net loans and leases to total assets | 64.4700% | 2,421 |
| Net loans and leases to deposits | 76.6114% | 2,392 |
| Net loans and leases to core deposits | 87.3531% | 2,218 |
| Total domestic deposits to total assets | 84.1500% | 2,581 |
| Equity capital to assets | 8.4885% | 3,063 |
| Core capital (leverage) ratio | 12.5591% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $138,060,200 | 3,481 |
| Average earning assets | $131,651,200 | 3,435 |
| Average equity | $11,142,600 | 3,606 |
| Average total loans | $89,262,800 | 3,298 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5307% | 2,843 |
| Cost of funding earning assets | 1.9295% | 817 |
| Net interest margin | 2.6012% | 4,030 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.2650% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2243% | 1,720 |
| Return on assets (ROA) | 1.1856% | 1,817 |
| Pretax return on assets | 1.4925% | 1,571 |
| Return on Equity (ROE) | 14.9000% | 1,460 |
| Retained earnings to average equity (ytd only) | 14.8969% | 570 |
| Net charge-offs to loans | -0.0198% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.0734% | 4,186 |
| Assets per employee ($millions) | 12.3673% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 3,198 |
| Loan loss allowance to noncurrent loans | 380.8163% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 2,386 |
| Noncurrent loans to loans | 0.2710% | 2,268 |
| Net loans and leases to total assets | 65.7700% | 2,267 |
| Net loans and leases to deposits | 80.1850% | 2,030 |
| Net loans and leases to core deposits | 87.4336% | 2,095 |
| Total domestic deposits to total assets | 82.0300% | 3,204 |
| Equity capital to assets | 7.2361% | 3,494 |
| Core capital (leverage) ratio | 13.0700% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $135,966,750 | 3,501 |
| Average earning assets | $129,630,000 | 3,457 |
| Average equity | $10,820,750 | 3,637 |
| Average total loans | $87,745,500 | 3,324 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4296% | 2,811 |
| Cost of funding earning assets | 1.7952% | 741 |
| Net interest margin | 2.6343% | 4,064 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.2535% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2569% | 1,675 |
| Return on assets (ROA) | 1.2035% | 1,813 |
| Pretax return on assets | 1.5359% | 1,528 |
| Return on Equity (ROE) | 14.6800% | 1,531 |
| Retained earnings to average equity (ytd only) | 14.6775% | 600 |
| Net charge-offs to loans | -0.0046% | 3,696 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.8723% | 4,257 |
| Assets per employee ($millions) | 12.2320% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,178 |
| Loan loss allowance to noncurrent loans | 319.0311% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 2,122 |
| Noncurrent loans to loans | 0.3296% | 1,946 |
| Net loans and leases to total assets | 64.4800% | 2,338 |
| Net loans and leases to deposits | 73.5872% | 2,532 |
| Net loans and leases to core deposits | 84.7564% | 2,161 |
| Total domestic deposits to total assets | 87.6200% | 1,739 |
| Equity capital to assets | 8.6576% | 2,742 |
| Core capital (leverage) ratio | 13.9442% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $135,942,333 | 3,507 |
| Average earning assets | $129,899,333 | 3,459 |
| Average equity | $11,146,333 | 3,620 |
| Average total loans | $86,857,667 | 3,338 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 2,814 |
| Cost of funding earning assets | 1.7439% | 505 |
| Net interest margin | 2.5498% | 4,259 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.5603% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3115% | 1,641 |
| Return on assets (ROA) | 1.1768% | 1,960 |
| Pretax return on assets | 1.1768% | 2,488 |
| Return on Equity (ROE) | 14.7600% | 1,607 |
| Retained earnings to average equity (ytd only) | 14.7591% | 838 |
| Net charge-offs to loans | -0.0093% | 3,826 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.3323% | 3,571 |
| Assets per employee ($millions) | 12.3355% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 3,251 |
| Loan loss allowance to noncurrent loans | 395.7082% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 2,301 |
| Noncurrent loans to loans | 0.2679% | 2,186 |
| Net loans and leases to total assets | 63.4200% | 2,304 |
| Net loans and leases to deposits | 72.2244% | 2,453 |
| Net loans and leases to core deposits | 86.6663% | 1,827 |
| Total domestic deposits to total assets | 87.8100% | 1,984 |
| Equity capital to assets | 8.5342% | 2,862 |
| Core capital (leverage) ratio | 13.6456% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $136,637,500 | 3,549 |
| Average earning assets | $130,050,500 | 3,504 |
| Average equity | $10,895,000 | 3,683 |
| Average total loans | $86,445,500 | 3,382 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8588% | 2,102 |
| Cost of funding earning assets | 0.7475% | 476 |
| Net interest margin | 3.1114% | 3,148 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.5626% | 4,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4206% | 1,076 |
| Return on assets (ROA) | 1.4213% | 1,035 |
| Pretax return on assets | 1.6191% | 1,115 |
| Return on Equity (ROE) | 15.7400% | 1,096 |
| Retained earnings to average equity (ytd only) | 10.5275% | 999 |
| Net charge-offs to loans | -0.0156% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.1241% | 4,181 |
| Assets per employee ($millions) | 17.1981% | 137 |
| Cash dividends to net income (ytd only)* | 33.1309% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 3,035 |
| Loan loss allowance to noncurrent loans | 351.1450% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 2,226 |
| Noncurrent loans to loans | 0.3049% | 2,048 |
| Net loans and leases to total assets | 61.7800% | 2,464 |
| Net loans and leases to deposits | 73.1997% | 2,317 |
| Net loans and leases to core deposits | 81.6166% | 2,036 |
| Total domestic deposits to total assets | 84.4000% | 3,127 |
| Equity capital to assets | 7.4209% | 3,421 |
| Core capital (leverage) ratio | 14.2320% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $127,416,800 | 3,656 |
| Average earning assets | $121,746,800 | 3,597 |
| Average equity | $11,503,200 | 3,716 |
| Average total loans | $76,681,800 | 3,460 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 1,777 |
| Cost of funding earning assets | 0.6691% | 308 |
| Net interest margin | 3.1263% | 2,846 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.2855% | 4,586 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6903% | 540 |
| Return on assets (ROA) | 1.7019% | 517 |
| Pretax return on assets | 1.8802% | 615 |
| Return on Equity (ROE) | 17.9700% | 644 |
| Retained earnings to average equity (ytd only) | 17.9705% | 166 |
| Net charge-offs to loans | 0.0197% | 1,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 721 |
| Efficiency ratio | 40.7721% | 4,554 |
| Assets per employee ($millions) | 15.4478% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 2,698 |
| Loan loss allowance to noncurrent loans | 435.4369% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 2,455 |
| Noncurrent loans to loans | 0.2686% | 2,301 |
| Net loans and leases to total assets | 61.3400% | 2,370 |
| Net loans and leases to deposits | 70.8828% | 2,298 |
| Net loans and leases to core deposits | 75.5976% | 2,229 |
| Total domestic deposits to total assets | 86.5400% | 2,905 |
| Equity capital to assets | 7.4566% | 3,245 |
| Core capital (leverage) ratio | 13.6406% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $124,874,750 | 3,715 |
| Average earning assets | $119,756,750 | 3,649 |
| Average equity | $11,826,500 | 3,725 |
| Average total loans | $74,372,750 | 3,514 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6789% | 1,597 |
| Cost of funding earning assets | 0.6096% | 251 |
| Net interest margin | 3.0693% | 2,652 |
| Noninterest income to average assets | 0.1580% | 4,229 |
| Noninterest expense to average assets | 1.3375% | 4,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6281% | 513 |
| Return on assets (ROA) | 1.6839% | 437 |
| Pretax return on assets | 1.8387% | 544 |
| Return on Equity (ROE) | 16.6181% | 622 |
| Retained earnings to average equity (ytd only) | 16.6181% | 165 |
| Net charge-offs to loans | 0.0408% | 980 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 74.2667% | 972 |
| Efficiency ratio | 42.9303% | 4,541 |
| Assets per employee ($millions) | 15.5415% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,619 |
| Loan loss allowance to noncurrent loans | 380.0000% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.1890% | 2,402 |
| Noncurrent loans to loans | 0.3195% | 2,200 |
| Net loans and leases to total assets | 58.4387% | 2,478 |
| Net loans and leases to deposits | 63.9781% | 2,724 |
| Net loans and leases to core deposits | 71.2969% | 2,391 |
| Total domestic deposits to total assets | 91.3417% | 1,085 |
| Equity capital to assets | 8.3325% | 2,881 |
| Core capital (leverage) ratio | 14.4942% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,305,667 | 3,753 |
| Average earning assets | $120,743,000 | 3,692 |
| Average equity | $12,697,000 | 3,711 |
| Average total loans | $73,595,667 | 3,559 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6021% | 1,502 |
| Cost of funding earning assets | 0.6086% | 246 |
| Net interest margin | 2.9935% | 2,524 |
| Noninterest income to average assets | 0.1813% | 4,078 |
| Noninterest expense to average assets | 1.3928% | 4,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6319% | 473 |
| Return on assets (ROA) | 1.7553% | 366 |
| Pretax return on assets | 1.8093% | 539 |
| Return on Equity (ROE) | 15.9244% | 545 |
| Retained earnings to average equity (ytd only) | 15.9244% | 238 |
| Net charge-offs to loans | -0.0163% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2947% | 4,521 |
| Assets per employee ($millions) | 15.3059% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,678 |
| Loan loss allowance to noncurrent loans | 259.5442% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 1,974 |
| Noncurrent loans to loans | 0.4760% | 1,831 |
| Net loans and leases to total assets | 59.4731% | 2,119 |
| Net loans and leases to deposits | 66.2346% | 2,315 |
| Net loans and leases to core deposits | 74.0847% | 1,931 |
| Total domestic deposits to total assets | 89.7915% | 1,677 |
| Equity capital to assets | 9.8688% | 1,992 |
| Core capital (leverage) ratio | 13.5675% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,792,500 | 3,763 |
| Average earning assets | $121,595,500 | 3,696 |
| Average equity | $13,865,500 | 3,671 |
| Average total loans | $73,618,000 | 3,560 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0560% | 1,236 |
| Cost of funding earning assets | 0.7664% | 241 |
| Net interest margin | 3.2896% | 2,343 |
| Noninterest income to average assets | 0.2369% | 3,959 |
| Noninterest expense to average assets | 1.3551% | 4,651 |
| Loan and lease loss provision to assets | 0.0483% | 2,091 |
| Net operating income to assets | 1.7637% | 551 |
| Return on assets (ROA) | 1.9046% | 426 |
| Pretax return on assets | 2.1906% | 422 |
| Return on Equity (ROE) | 15.3746% | 865 |
| Retained earnings to average equity (ytd only) | 10.4969% | 806 |
| Net charge-offs to loans | 0.2520% | 361 |
| Credit loss provision to net charge-offs | 34.2857% | 2,220 |
| Earnings coverage of net charge-offs (x) | 14.7314% | 2,024 |
| Efficiency ratio | 39.4836% | 4,697 |
| Assets per employee ($millions) | 16.1423% | 172 |
| Cash dividends to net income (ytd only)* | 31.7259% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,698 |
| Loan loss allowance to noncurrent loans | 231.2977% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 2,014 |
| Noncurrent loans to loans | 0.5347% | 1,792 |
| Net loans and leases to total assets | 56.2135% | 2,578 |
| Net loans and leases to deposits | 66.7264% | 2,437 |
| Net loans and leases to core deposits | 73.4509% | 2,120 |
| Total domestic deposits to total assets | 84.2448% | 3,490 |
| Equity capital to assets | 12.1165% | 1,207 |
| Core capital (leverage) ratio | 12.1733% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,123,000 | 3,758 |
| Average earning assets | $120,561,600 | 3,682 |
| Average equity | $15,376,000 | 3,598 |
| Average total loans | $69,434,800 | 3,661 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 1,064 |
| Cost of funding earning assets | 0.8034% | 238 |
| Net interest margin | 3.4259% | 2,084 |
| Noninterest income to average assets | 0.1639% | 4,383 |
| Noninterest expense to average assets | 1.2729% | 4,767 |
| Loan and lease loss provision to assets | 0.0651% | 1,697 |
| Net operating income to assets | 1.8192% | 642 |
| Return on assets (ROA) | 2.0042% | 486 |
| Pretax return on assets | 2.3732% | 408 |
| Return on Equity (ROE) | 16.0868% | 932 |
| Retained earnings to average equity (ytd only) | 16.0868% | 293 |
| Net charge-offs to loans | 0.3001% | 262 |
| Credit loss provision to net charge-offs | 38.9610% | 1,925 |
| Earnings coverage of net charge-offs (x) | 13.2727% | 1,931 |
| Efficiency ratio | 36.4625% | 4,805 |
| Assets per employee ($millions) | 15.3174% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 2,432 |
| Loan loss allowance to noncurrent loans | 221.9570% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 2,072 |
| Noncurrent loans to loans | 0.5910% | 1,831 |
| Net loans and leases to total assets | 57.0928% | 2,600 |
| Net loans and leases to deposits | 65.9972% | 2,627 |
| Net loans and leases to core deposits | 72.8472% | 2,334 |
| Total domestic deposits to total assets | 86.5080% | 2,551 |
| Equity capital to assets | 12.8384% | 1,039 |
| Core capital (leverage) ratio | 12.7100% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,869,250 | 3,812 |
| Average earning assets | $119,324,000 | 3,733 |
| Average equity | $15,308,250 | 3,648 |
| Average total loans | $68,418,000 | 3,733 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 653 |
| Cost of funding earning assets | 0.8323% | 248 |
| Net interest margin | 3.7377% | 1,249 |
| Noninterest income to average assets | 0.1610% | 4,394 |
| Noninterest expense to average assets | 1.2734% | 4,800 |
| Loan and lease loss provision to assets | 0.0976% | 1,294 |
| Net operating income to assets | 2.3537% | 265 |
| Return on assets (ROA) | 2.7370% | 167 |
| Pretax return on assets | 2.8151% | 230 |
| Return on Equity (ROE) | 22.1929% | 304 |
| Retained earnings to average equity (ytd only) | 22.1929% | 106 |
| Net charge-offs to loans | 0.4912% | 170 |
| Credit loss provision to net charge-offs | 36.1446% | 1,677 |
| Earnings coverage of net charge-offs (x) | 9.3253% | 1,842 |
| Efficiency ratio | 33.5907% | 4,876 |
| Assets per employee ($millions) | 15.3185% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 2,184 |
| Loan loss allowance to noncurrent loans | 43.5484% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.7201% | 283 |
| Noncurrent loans to loans | 3.1028% | 228 |
| Net loans and leases to total assets | 54.6888% | 3,051 |
| Net loans and leases to deposits | 64.2452% | 2,974 |
| Net loans and leases to core deposits | 68.2902% | 2,935 |
| Total domestic deposits to total assets | 85.1250% | 3,046 |
| Equity capital to assets | 12.9517% | 963 |
| Core capital (leverage) ratio | 12.2805% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,979,333 | 3,822 |
| Average earning assets | $119,431,333 | 3,741 |
| Average equity | $15,167,000 | 3,661 |
| Average total loans | $67,593,667 | 3,769 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4610% | 3,041 |
| Cost of funding earning assets | 0.8602% | 268 |
| Net interest margin | 2.6008% | 4,148 |
| Noninterest income to average assets | 1.6299% | 529 |
| Noninterest expense to average assets | 1.2533% | 4,842 |
| Loan and lease loss provision to assets | 0.0974% | 1,381 |
| Net operating income to assets | 2.7548% | 188 |
| Return on assets (ROA) | 3.4612% | 120 |
| Pretax return on assets | 3.5229% | 145 |
| Return on Equity (ROE) | 28.7826% | 162 |
| Retained earnings to average equity (ytd only) | 28.7826% | 84 |
| Net charge-offs to loans | 0.1483% | 518 |
| Credit loss provision to net charge-offs | 120.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 35.7200% | 1,020 |
| Efficiency ratio | 30.1798% | 4,907 |
| Assets per employee ($millions) | 15.3676% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 1,717 |
| Loan loss allowance to noncurrent loans | 131.2500% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 1,487 |
| Noncurrent loans to loans | 1.1167% | 1,199 |
| Net loans and leases to total assets | 56.2709% | 3,002 |
| Net loans and leases to deposits | 64.3242% | 3,096 |
| Net loans and leases to core deposits | 69.1544% | 2,950 |
| Total domestic deposits to total assets | 87.4802% | 2,100 |
| Equity capital to assets | 12.0993% | 1,244 |
| Core capital (leverage) ratio | 12.0858% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,195,000 | 3,828 |
| Average earning assets | $119,502,500 | 3,749 |
| Average equity | $14,814,500 | 3,705 |
| Average total loans | $67,421,500 | 3,785 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0676% | 2,523 |
| Cost of funding earning assets | 1.1518% | 334 |
| Net interest margin | 2.9159% | 4,082 |
| Noninterest income to average assets | 0.3598% | 3,310 |
| Noninterest expense to average assets | 1.3273% | 4,864 |
| Loan and lease loss provision to assets | 0.1110% | 2,958 |
| Net operating income to assets | 1.4372% | 938 |
| Return on assets (ROA) | 1.5585% | 762 |
| Pretax return on assets | 1.8822% | 575 |
| Return on Equity (ROE) | 12.1482% | 1,287 |
| Retained earnings to average equity (ytd only) | 9.3364% | 709 |
| Net charge-offs to loans | 0.5092% | 312 |
| Credit loss provision to net charge-offs | 34.7826% | 3,202 |
| Earnings coverage of net charge-offs (x) | 5.7884% | 2,833 |
| Efficiency ratio | 41.8124% | 4,840 |
| Assets per employee ($millions) | 15.4311% | 165 |
| Cash dividends to net income (ytd only)* | 23.1454% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 1,340 |
| Loan loss allowance to noncurrent loans | 99.3210% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.8352% | 1,202 |
| Noncurrent loans to loans | 1.5951% | 827 |
| Net loans and leases to total assets | 51.5274% | 3,700 |
| Net loans and leases to deposits | 58.8556% | 3,841 |
| Net loans and leases to core deposits | 64.0474% | 3,688 |
| Total domestic deposits to total assets | 87.5487% | 1,688 |
| Equity capital to assets | 11.9515% | 1,598 |
| Core capital (leverage) ratio | 11.5087% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,115,600 | 3,897 |
| Average earning assets | $104,360,600 | 3,844 |
| Average equity | $13,870,400 | 3,777 |
| Average total loans | $67,751,600 | 3,780 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 2,348 |
| Cost of funding earning assets | 1.2272% | 334 |
| Net interest margin | 2.9893% | 4,001 |
| Noninterest income to average assets | 0.3388% | 3,449 |
| Noninterest expense to average assets | 1.4627% | 4,833 |
| Loan and lease loss provision to assets | 0.1151% | 2,882 |
| Net operating income to assets | 1.5435% | 824 |
| Return on assets (ROA) | 1.6685% | 691 |
| Pretax return on assets | 1.7810% | 810 |
| Return on Equity (ROE) | 12.7474% | 1,183 |
| Retained earnings to average equity (ytd only) | 12.7474% | 352 |
| Net charge-offs to loans | 0.6829% | 205 |
| Credit loss provision to net charge-offs | 25.6410% | 2,965 |
| Earnings coverage of net charge-offs (x) | 3.9288% | 2,867 |
| Efficiency ratio | 45.3428% | 4,744 |
| Assets per employee ($millions) | 13.9428% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,610 |
| Loan loss allowance to noncurrent loans | 64.1975% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.3797% | 655 |
| Noncurrent loans to loans | 2.2260% | 518 |
| Net loans and leases to total assets | 61.0972% | 3,103 |
| Net loans and leases to deposits | 70.6529% | 3,250 |
| Net loans and leases to core deposits | 78.3880% | 2,975 |
| Total domestic deposits to total assets | 86.4750% | 1,872 |
| Equity capital to assets | 12.9942% | 1,182 |
| Core capital (leverage) ratio | 12.5341% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,282,250 | 3,936 |
| Average earning assets | $100,713,750 | 3,879 |
| Average equity | $13,649,500 | 3,799 |
| Average total loans | $68,531,000 | 3,781 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 2,436 |
| Cost of funding earning assets | 1.2976% | 363 |
| Net interest margin | 3.0168% | 4,085 |
| Noninterest income to average assets | 0.3966% | 3,099 |
| Noninterest expense to average assets | 1.1270% | 4,987 |
| Loan and lease loss provision to assets | 0.1178% | 2,843 |
| Net operating income to assets | 1.5766% | 795 |
| Return on assets (ROA) | 1.6355% | 767 |
| Pretax return on assets | 2.1343% | 410 |
| Return on Equity (ROE) | 12.4626% | 1,224 |
| Retained earnings to average equity (ytd only) | 12.4626% | 403 |
| Net charge-offs to loans | 0.4098% | 386 |
| Credit loss provision to net charge-offs | 42.8571% | 2,658 |
| Earnings coverage of net charge-offs (x) | 7.9214% | 2,329 |
| Efficiency ratio | 34.1058% | 4,991 |
| Assets per employee ($millions) | 11.7112% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 899 |
| Loan loss allowance to noncurrent loans | 66.3451% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.6717% | 506 |
| Noncurrent loans to loans | 2.4956% | 470 |
| Net loans and leases to total assets | 65.8779% | 2,648 |
| Net loans and leases to deposits | 76.4554% | 2,807 |
| Net loans and leases to core deposits | 87.5336% | 2,299 |
| Total domestic deposits to total assets | 86.1652% | 1,940 |
| Equity capital to assets | 13.2323% | 1,067 |
| Core capital (leverage) ratio | 12.8082% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,862,333 | 3,968 |
| Average earning assets | $98,184,333 | 3,905 |
| Average equity | $13,368,000 | 3,835 |
| Average total loans | $68,329,000 | 3,788 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 2,601 |
| Cost of funding earning assets | 1.3301% | 515 |
| Net interest margin | 3.0759% | 4,142 |
| Noninterest income to average assets | 0.1918% | 4,403 |
| Noninterest expense to average assets | 1.6225% | 4,839 |
| Loan and lease loss provision to assets | 0.1199% | 2,194 |
| Net operating income to assets | 1.4067% | 962 |
| Return on assets (ROA) | 1.4866% | 880 |
| Pretax return on assets | 1.4866% | 1,340 |
| Return on Equity (ROE) | 11.3775% | 1,295 |
| Retained earnings to average equity (ytd only) | 11.3775% | 504 |
| Net charge-offs to loans | 0.7441% | 205 |
| Credit loss provision to net charge-offs | 24.0000% | 2,183 |
| Earnings coverage of net charge-offs (x) | 3.0560% | 2,238 |
| Efficiency ratio | 51.5228% | 4,578 |
| Assets per employee ($millions) | 11.0771% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7005% | 878 |
| Loan loss allowance to noncurrent loans | 43.9619% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 2.6331% | 252 |
| Noncurrent loans to loans | 3.8682% | 207 |
| Net loans and leases to total assets | 66.9117% | 2,708 |
| Net loans and leases to deposits | 80.6595% | 2,609 |
| Net loans and leases to core deposits | 89.1709% | 2,428 |
| Total domestic deposits to total assets | 82.9558% | 3,126 |
| Equity capital to assets | 13.3378% | 1,291 |
| Core capital (leverage) ratio | 12.7806% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,093,000 | 3,992 |
| Average earning assets | $96,233,500 | 3,921 |
| Average equity | $13,078,500 | 3,875 |
| Average total loans | $67,191,000 | 3,818 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 3,173 |
| Cost of funding earning assets | 1.3357% | 688 |
| Net interest margin | 3.0897% | 4,386 |
| Noninterest income to average assets | 0.2342% | 4,277 |
| Noninterest expense to average assets | 1.2812% | 5,073 |
| Loan and lease loss provision to assets | 0.3851% | 379 |
| Net operating income to assets | 1.1933% | 2,085 |
| Return on assets (ROA) | 1.2426% | 1,978 |
| Pretax return on assets | 1.6059% | 1,474 |
| Return on Equity (ROE) | 9.5009% | 2,519 |
| Retained earnings to average equity (ytd only) | 4.7266% | 2,566 |
| Net charge-offs to loans | 0.0249% | 2,904 |
| Credit loss provision to net charge-offs | 2,312.5000% | 171 |
| Earnings coverage of net charge-offs (x) | 115.8125% | 602 |
| Efficiency ratio | 39.9157% | 5,067 |
| Assets per employee ($millions) | 11.1658% | 282 |
| Cash dividends to net income (ytd only)* | 50.2513% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 579 |
| Loan loss allowance to noncurrent loans | 95.1257% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.3066% | 848 |
| Noncurrent loans to loans | 1.9738% | 654 |
| Net loans and leases to total assets | 64.9524% | 3,074 |
| Net loans and leases to deposits | 75.6347% | 3,213 |
| Net loans and leases to core deposits | 83.0422% | 3,036 |
| Total domestic deposits to total assets | 85.8765% | 2,111 |
| Equity capital to assets | 12.7970% | 1,643 |
| Core capital (leverage) ratio | 12.5527% | 1,458 |
| Tier 1 risk-based capital ratio | 16.7166% | 2,152 |
| Total risk-based capital ratio | 17.9723% | 2,080 |
| Memoranda: | ||
| Average total assets | $96,085,200 | 4,060 |
| Average earning assets | $92,533,400 | 4,004 |
| Average equity | $12,567,200 | 3,928 |
| Average total loans | $64,233,600 | 3,901 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 3,063 |
| Cost of funding earning assets | 1.3294% | 719 |
| Net interest margin | 3.1707% | 4,359 |
| Noninterest income to average assets | 0.1741% | 4,672 |
| Noninterest expense to average assets | 1.2872% | 5,151 |
| Loan and lease loss provision to assets | 0.1263% | 1,535 |
| Net operating income to assets | 1.5408% | 1,086 |
| Return on assets (ROA) | 1.5778% | 1,034 |
| Pretax return on assets | 1.8641% | 950 |
| Return on Equity (ROE) | 11.9948% | 1,622 |
| Retained earnings to average equity (ytd only) | 11.9948% | 384 |
| Net charge-offs to loans | -0.0042% | 4,161 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8003% | 5,135 |
| Assets per employee ($millions) | 10.7671% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 1,190 |
| Loan loss allowance to noncurrent loans | 90.8004% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.1217% | 1,164 |
| Noncurrent loans to loans | 1.6764% | 873 |
| Net loans and leases to total assets | 65.8951% | 3,063 |
| Net loans and leases to deposits | 77.2801% | 3,172 |
| Net loans and leases to core deposits | 86.9438% | 2,823 |
| Total domestic deposits to total assets | 85.2679% | 2,314 |
| Equity capital to assets | 13.9096% | 1,191 |
| Core capital (leverage) ratio | 13.4134% | 1,162 |
| Tier 1 risk-based capital ratio | 17.8006% | 1,879 |
| Total risk-based capital ratio | 19.0634% | 1,817 |
| Memoranda: | ||
| Average total assets | $94,983,500 | 4,119 |
| Average earning assets | $91,670,000 | 4,064 |
| Average equity | $12,494,000 | 3,971 |
| Average total loans | $63,661,750 | 3,957 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 3,046 |
| Cost of funding earning assets | 1.2897% | 764 |
| Net interest margin | 3.2001% | 4,370 |
| Noninterest income to average assets | 0.1760% | 4,692 |
| Noninterest expense to average assets | 1.3737% | 5,172 |
| Loan and lease loss provision to assets | 0.1272% | 1,468 |
| Net operating income to assets | 1.5844% | 942 |
| Return on assets (ROA) | 1.6302% | 888 |
| Pretax return on assets | 1.8189% | 993 |
| Return on Equity (ROE) | 12.6421% | 1,353 |
| Retained earnings to average equity (ytd only) | 12.6421% | 336 |
| Net charge-offs to loans | -0.0126% | 4,397 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0233% | 5,116 |
| Assets per employee ($millions) | 11.8679% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 1,269 |
| Loan loss allowance to noncurrent loans | 112.4267% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.8984% | 1,545 |
| Noncurrent loans to loans | 1.3363% | 1,164 |
| Net loans and leases to total assets | 66.2218% | 3,078 |
| Net loans and leases to deposits | 77.2747% | 3,219 |
| Net loans and leases to core deposits | 86.4697% | 2,927 |
| Total domestic deposits to total assets | 85.6967% | 2,181 |
| Equity capital to assets | 13.6113% | 1,277 |
| Core capital (leverage) ratio | 13.2621% | 1,200 |
| Tier 1 risk-based capital ratio | 17.9323% | 1,827 |
| Total risk-based capital ratio | 19.1837% | 1,779 |
| Memoranda: | ||
| Average total assets | $94,343,330 | 4,156 |
| Average earning assets | $91,185,000 | 4,093 |
| Average equity | $12,165,670 | 4,018 |
| Average total loans | $63,268,330 | 3,990 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4230% | 3,139 |
| Cost of funding earning assets | 1.2379% | 800 |
| Net interest margin | 3.1851% | 4,419 |
| Noninterest income to average assets | 0.2212% | 4,422 |
| Noninterest expense to average assets | 1.2803% | 5,265 |
| Loan and lease loss provision to assets | 0.1276% | 1,368 |
| Net operating income to assets | 1.5710% | 962 |
| Return on assets (ROA) | 1.5993% | 929 |
| Pretax return on assets | 1.9225% | 754 |
| Return on Equity (ROE) | 12.7598% | 1,296 |
| Retained earnings to average equity (ytd only) | 12.7598% | 497 |
| Net charge-offs to loans | -0.0191% | 4,475 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8387% | 5,229 |
| Assets per employee ($millions) | 11.8025% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 1,568 |
| Loan loss allowance to noncurrent loans | 51.2707% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.9170% | 531 |
| Noncurrent loans to loans | 2.7908% | 424 |
| Net loans and leases to total assets | 67.7060% | 2,797 |
| Net loans and leases to deposits | 79.4897% | 2,891 |
| Net loans and leases to core deposits | 89.0387% | 2,596 |
| Total domestic deposits to total assets | 85.1758% | 2,611 |
| Equity capital to assets | 12.9665% | 1,475 |
| Core capital (leverage) ratio | 13.2285% | 1,177 |
| Tier 1 risk-based capital ratio | 16.9649% | 2,114 |
| Total risk-based capital ratio | 18.2156% | 2,067 |
| Memoranda: | ||
| Average total assets | $94,043,500 | 4,197 |
| Average earning assets | $90,799,000 | 4,132 |
| Average equity | $11,787,000 | 4,090 |
| Average total loans | $62,986,500 | 4,029 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 2,866 |
| Cost of funding earning assets | 1.0870% | 522 |
| Net interest margin | 3.2817% | 4,300 |
| Noninterest income to average assets | 0.2429% | 4,465 |
| Noninterest expense to average assets | 1.4893% | 5,232 |
| Loan and lease loss provision to assets | 0.3870% | 361 |
| Net operating income to assets | 1.2834% | 1,866 |
| Return on assets (ROA) | 1.2853% | 1,854 |
| Pretax return on assets | 1.5259% | 1,692 |
| Return on Equity (ROE) | 10.5868% | 2,253 |
| Retained earnings to average equity (ytd only) | 7.4354% | 1,491 |
| Net charge-offs to loans | 0.1500% | 1,281 |
| Credit loss provision to net charge-offs | 387.7778% | 846 |
| Earnings coverage of net charge-offs (x) | 19.1444% | 2,085 |
| Efficiency ratio | 43.8030% | 5,186 |
| Assets per employee ($millions) | 11.7084% | 217 |
| Cash dividends to net income (ytd only)* | 29.7670% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 1,403 |
| Loan loss allowance to noncurrent loans | 79.1335% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.2075% | 1,080 |
| Noncurrent loans to loans | 1.8505% | 758 |
| Net loans and leases to total assets | 64.2937% | 3,326 |
| Net loans and leases to deposits | 73.6561% | 3,529 |
| Net loans and leases to core deposits | 79.5998% | 3,458 |
| Total domestic deposits to total assets | 87.2890% | 1,646 |
| Equity capital to assets | 12.0971% | 1,823 |
| Core capital (leverage) ratio | 13.0044% | 1,249 |
| Tier 1 risk-based capital ratio | 17.4106% | 1,918 |
| Total risk-based capital ratio | 18.6690% | 1,876 |
| Memoranda: | ||
| Average total assets | $90,176,000 | 4,267 |
| Average earning assets | $86,754,800 | 4,207 |
| Average equity | $10,947,600 | 4,165 |
| Average total loans | $60,008,000 | 4,092 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,831 |
| Cost of funding earning assets | 1.0682% | 454 |
| Net interest margin | 3.2665% | 4,363 |
| Noninterest income to average assets | 0.1717% | 4,928 |
| Noninterest expense to average assets | 1.2959% | 5,371 |
| Loan and lease loss provision to assets | 0.4763% | 245 |
| Net operating income to assets | 1.2464% | 2,060 |
| Return on assets (ROA) | 1.2452% | 2,071 |
| Pretax return on assets | 1.5438% | 1,753 |
| Return on Equity (ROE) | 10.2469% | 2,503 |
| Retained earnings to average equity (ytd only) | 10.2469% | 840 |
| Net charge-offs to loans | 0.2031% | 835 |
| Credit loss provision to net charge-offs | 350.5495% | 893 |
| Earnings coverage of net charge-offs (x) | 14.8792% | 2,261 |
| Efficiency ratio | 39.0639% | 5,352 |
| Assets per employee ($millions) | 11.0676% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,695 |
| Loan loss allowance to noncurrent loans | 1,416.3934% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 4,637 |
| Noncurrent loans to loans | 0.0989% | 4,448 |
| Net loans and leases to total assets | 68.7015% | 2,840 |
| Net loans and leases to deposits | 80.2525% | 3,010 |
| Net loans and leases to core deposits | 85.7737% | 3,011 |
| Total domestic deposits to total assets | 85.6067% | 2,353 |
| Equity capital to assets | 12.4146% | 1,641 |
| Core capital (leverage) ratio | 13.4335% | 1,128 |
| Tier 1 risk-based capital ratio | 17.1876% | 2,027 |
| Total risk-based capital ratio | 18.4293% | 1,977 |
| Memoranda: | ||
| Average total assets | $89,303,250 | 4,319 |
| Average earning assets | $86,002,750 | 4,265 |
| Average equity | $10,851,750 | 4,219 |
| Average total loans | $59,730,750 | 4,143 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 2,927 |
| Cost of funding earning assets | 1.0311% | 407 |
| Net interest margin | 3.2233% | 4,452 |
| Noninterest income to average assets | 0.1675% | 4,988 |
| Noninterest expense to average assets | 1.2595% | 5,443 |
| Loan and lease loss provision to assets | 0.6454% | 154 |
| Net operating income to assets | 1.0170% | 2,939 |
| Return on assets (ROA) | 1.0206% | 2,932 |
| Pretax return on assets | 1.3667% | 2,265 |
| Return on Equity (ROE) | 8.4590% | 3,284 |
| Retained earnings to average equity (ytd only) | 8.4590% | 1,423 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5509% | 5,425 |
| Assets per employee ($millions) | 11.0981% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 1,304 |
| Loan loss allowance to noncurrent loans | 138.6807% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 1,984 |
| Noncurrent loans to loans | 1.1020% | 1,601 |
| Net loans and leases to total assets | 67.1307% | 2,995 |
| Net loans and leases to deposits | 77.1967% | 3,238 |
| Net loans and leases to core deposits | 82.3812% | 3,207 |
| Total domestic deposits to total assets | 86.9606% | 1,856 |
| Equity capital to assets | 12.2498% | 1,696 |
| Core capital (leverage) ratio | 12.2470% | 1,573 |
| Tier 1 risk-based capital ratio | 16.0173% | 2,430 |
| Total risk-based capital ratio | 17.2694% | 2,369 |
| Memoranda: | ||
| Average total assets | $89,557,330 | 4,357 |
| Average earning assets | $86,123,670 | 4,292 |
| Average equity | $10,805,000 | 4,262 |
| Average total loans | $59,076,670 | 4,188 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 3,035 |
| Cost of funding earning assets | 1.0119% | 351 |
| Net interest margin | 3.1461% | 4,606 |
| Noninterest income to average assets | 0.1688% | 5,013 |
| Noninterest expense to average assets | 1.3458% | 5,475 |
| Loan and lease loss provision to assets | 0.1332% | 1,417 |
| Net operating income to assets | 1.5466% | 961 |
| Return on assets (ROA) | 1.5901% | 882 |
| Pretax return on assets | 1.7766% | 954 |
| Return on Equity (ROE) | 13.1569% | 1,214 |
| Retained earnings to average equity (ytd only) | 13.1569% | 498 |
| Net charge-offs to loans | 0.0069% | 2,490 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 419.0000% | 158 |
| Efficiency ratio | 41.9668% | 5,400 |
| Assets per employee ($millions) | 11.1220% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,348 |
| Loan loss allowance to noncurrent loans | 70.5196% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0598% | 1,474 |
| Noncurrent loans to loans | 1.5661% | 1,115 |
| Net loans and leases to total assets | 66.9248% | 2,899 |
| Net loans and leases to deposits | 76.7012% | 3,142 |
| Net loans and leases to core deposits | 80.9095% | 3,251 |
| Total domestic deposits to total assets | 87.2539% | 2,023 |
| Equity capital to assets | 12.1359% | 1,697 |
| Core capital (leverage) ratio | 12.0848% | 1,603 |
| Tier 1 risk-based capital ratio | 15.8880% | 2,523 |
| Total risk-based capital ratio | 16.8675% | 2,569 |
| Memoranda: | ||
| Average total assets | $90,058,000 | 4,395 |
| Average earning assets | $86,964,500 | 4,325 |
| Average equity | $10,884,000 | 4,288 |
| Average total loans | $58,351,500 | 4,240 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 2,633 |
| Cost of funding earning assets | 0.9948% | 221 |
| Net interest margin | 3.2190% | 4,399 |
| Noninterest income to average assets | 0.2274% | 4,777 |
| Noninterest expense to average assets | 1.2775% | 5,563 |
| Loan and lease loss provision to assets | 0.1392% | 1,645 |
| Net operating income to assets | 1.4289% | 954 |
| Return on assets (ROA) | 1.5072% | 804 |
| Pretax return on assets | 2.0201% | 470 |
| Return on Equity (ROE) | 12.4401% | 1,095 |
| Retained earnings to average equity (ytd only) | 9.2798% | 458 |
| Net charge-offs to loans | 0.3581% | 709 |
| Credit loss provision to net charge-offs | 60.9137% | 3,202 |
| Earnings coverage of net charge-offs (x) | 8.9898% | 2,839 |
| Efficiency ratio | 38.3357% | 5,556 |
| Assets per employee ($millions) | 10.1267% | 306 |
| Cash dividends to net income (ytd only)* | 25.4042% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,214 |
| Loan loss allowance to noncurrent loans | 82.2768% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 1,834 |
| Noncurrent loans to loans | 1.3684% | 1,268 |
| Net loans and leases to total assets | 61.2848% | 3,704 |
| Net loans and leases to deposits | 70.1520% | 3,858 |
| Net loans and leases to core deposits | 75.7890% | 3,758 |
| Total domestic deposits to total assets | 87.3601% | 1,830 |
| Equity capital to assets | 12.0364% | 1,807 |
| Core capital (leverage) ratio | 12.1418% | 1,534 |
| Tier 1 risk-based capital ratio | 16.7246% | 2,185 |
| Total risk-based capital ratio | 17.7022% | 2,218 |
| Memoranda: | ||
| Average total assets | $86,185,400 | 4,483 |
| Average earning assets | $83,131,200 | 4,417 |
| Average equity | $10,442,000 | 4,386 |
| Average total loans | $55,017,400 | 4,327 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 2,401 |
| Cost of funding earning assets | 0.9913% | 205 |
| Net interest margin | 3.2668% | 4,271 |
| Noninterest income to average assets | 0.1711% | 5,163 |
| Noninterest expense to average assets | 1.2918% | 5,620 |
| Loan and lease loss provision to assets | 0.1413% | 1,497 |
| Net operating income to assets | 1.3972% | 1,094 |
| Return on assets (ROA) | 1.4785% | 954 |
| Pretax return on assets | 1.9981% | 554 |
| Return on Equity (ROE) | 12.1821% | 1,283 |
| Retained earnings to average equity (ytd only) | 12.1821% | 281 |
| Net charge-offs to loans | 0.4709% | 441 |
| Credit loss provision to net charge-offs | 46.6321% | 2,949 |
| Earnings coverage of net charge-offs (x) | 6.6994% | 2,953 |
| Efficiency ratio | 38.8941% | 5,605 |
| Assets per employee ($millions) | 10.6064% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 3,604 |
| Loan loss allowance to noncurrent loans | 139.5881% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5150% | 3,000 |
| Noncurrent loans to loans | 0.7734% | 2,432 |
| Net loans and leases to total assets | 65.8743% | 3,122 |
| Net loans and leases to deposits | 76.2416% | 3,348 |
| Net loans and leases to core deposits | 82.0188% | 3,278 |
| Total domestic deposits to total assets | 86.4020% | 2,130 |
| Equity capital to assets | 12.9639% | 1,403 |
| Core capital (leverage) ratio | 12.8217% | 1,278 |
| Tier 1 risk-based capital ratio | 16.7633% | 2,228 |
| Total risk-based capital ratio | 17.6988% | 2,290 |
| Memoranda: | ||
| Average total assets | $84,946,750 | 4,546 |
| Average earning assets | $81,913,000 | 4,477 |
| Average equity | $10,310,000 | 4,444 |
| Average total loans | $54,649,000 | 4,374 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 2,295 |
| Cost of funding earning assets | 0.9743% | 196 |
| Net interest margin | 3.2746% | 4,194 |
| Noninterest income to average assets | 0.1695% | 5,206 |
| Noninterest expense to average assets | 1.2897% | 5,676 |
| Loan and lease loss provision to assets | 0.1412% | 1,449 |
| Net operating income to assets | 1.4105% | 1,043 |
| Return on assets (ROA) | 1.5063% | 881 |
| Pretax return on assets | 2.0240% | 510 |
| Return on Equity (ROE) | 12.6984% | 1,114 |
| Retained earnings to average equity (ytd only) | 12.6984% | 267 |
| Net charge-offs to loans | 0.1296% | 1,386 |
| Credit loss provision to net charge-offs | 171.4286% | 1,399 |
| Earnings coverage of net charge-offs (x) | 24.7143% | 1,634 |
| Efficiency ratio | 38.7827% | 5,651 |
| Assets per employee ($millions) | 9.3810% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 2,183 |
| Loan loss allowance to noncurrent loans | 848.2759% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 4,788 |
| Noncurrent loans to loans | 0.1589% | 4,484 |
| Net loans and leases to total assets | 63.9626% | 3,390 |
| Net loans and leases to deposits | 73.7363% | 3,571 |
| Net loans and leases to core deposits | 79.3182% | 3,480 |
| Total domestic deposits to total assets | 86.7451% | 2,069 |
| Equity capital to assets | 12.6734% | 1,533 |
| Core capital (leverage) ratio | 12.4611% | 1,387 |
| Tier 1 risk-based capital ratio | 16.7088% | 2,237 |
| Total risk-based capital ratio | 17.8672% | 2,224 |
| Memoranda: | ||
| Average total assets | $84,978,670 | 4,570 |
| Average earning assets | $81,903,670 | 4,506 |
| Average equity | $10,080,000 | 4,500 |
| Average total loans | $54,030,330 | 4,419 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 2,181 |
| Cost of funding earning assets | 0.9495% | 214 |
| Net interest margin | 3.2770% | 4,091 |
| Noninterest income to average assets | 0.1924% | 5,120 |
| Noninterest expense to average assets | 1.2903% | 5,740 |
| Loan and lease loss provision to assets | 0.1408% | 1,340 |
| Net operating income to assets | 1.4357% | 925 |
| Return on assets (ROA) | 1.5342% | 787 |
| Pretax return on assets | 2.0504% | 462 |
| Return on Equity (ROE) | 13.3879% | 926 |
| Retained earnings to average equity (ytd only) | 13.3879% | 343 |
| Net charge-offs to loans | 0.0522% | 1,820 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 62.7143% | 781 |
| Efficiency ratio | 38.5154% | 5,717 |
| Assets per employee ($millions) | 10.5451% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,494 |
| Loan loss allowance to noncurrent loans | 865.8824% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 4,862 |
| Noncurrent loans to loans | 0.1512% | 4,585 |
| Net loans and leases to total assets | 65.7591% | 3,009 |
| Net loans and leases to deposits | 75.1969% | 3,282 |
| Net loans and leases to core deposits | 81.2975% | 3,162 |
| Total domestic deposits to total assets | 87.4492% | 2,016 |
| Equity capital to assets | 11.8704% | 1,928 |
| Core capital (leverage) ratio | 11.6741% | 1,841 |
| Tier 1 risk-based capital ratio | 15.2864% | 2,841 |
| Total risk-based capital ratio | 16.4131% | 2,824 |
| Memoranda: | ||
| Average total assets | $85,253,500 | 4,620 |
| Average earning assets | $82,148,500 | 4,551 |
| Average equity | $9,770,000 | 4,576 |
| Average total loans | $53,675,000 | 4,466 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,018 |
| Cost of funding earning assets | 0.8973% | 304 |
| Net interest margin | 3.1533% | 4,580 |
| Noninterest income to average assets | 0.1941% | 5,246 |
| Noninterest expense to average assets | 1.3585% | 5,795 |
| Loan and lease loss provision to assets | 0.1391% | 1,793 |
| Net operating income to assets | 1.3272% | 1,151 |
| Return on assets (ROA) | 1.4183% | 997 |
| Pretax return on assets | 1.8516% | 686 |
| Return on Equity (ROE) | 11.6251% | 1,357 |
| Retained earnings to average equity (ytd only) | 8.6238% | 662 |
| Net charge-offs to loans | 0.0472% | 3,094 |
| Credit loss provision to net charge-offs | 475.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 63.9167% | 848 |
| Efficiency ratio | 42.0476% | 5,745 |
| Assets per employee ($millions) | 10.7683% | 241 |
| Cash dividends to net income (ytd only)* | 25.8176% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 2,105 |
| Loan loss allowance to noncurrent loans | 6,481.8182% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 5,349 |
| Noncurrent loans to loans | 0.0215% | 5,184 |
| Net loans and leases to total assets | 58.5355% | 4,020 |
| Net loans and leases to deposits | 66.3884% | 4,214 |
| Net loans and leases to core deposits | 70.9296% | 4,157 |
| Total domestic deposits to total assets | 88.1712% | 1,549 |
| Equity capital to assets | 11.0580% | 2,581 |
| Core capital (leverage) ratio | 11.0022% | 2,335 |
| Tier 1 risk-based capital ratio | 15.3552% | 2,816 |
| Total risk-based capital ratio | 16.5163% | 2,786 |
| Memoranda: | ||
| Average total assets | $81,927,400 | 4,695 |
| Average earning assets | $78,900,400 | 4,610 |
| Average equity | $9,995,600 | 4,577 |
| Average total loans | $50,846,400 | 4,557 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0848% | 2,933 |
| Cost of funding earning assets | 0.8823% | 316 |
| Net interest margin | 3.2026% | 4,484 |
| Noninterest income to average assets | 0.1863% | 5,343 |
| Noninterest expense to average assets | 1.3123% | 5,859 |
| Loan and lease loss provision to assets | 0.1385% | 1,698 |
| Net operating income to assets | 1.4824% | 911 |
| Return on assets (ROA) | 1.5679% | 812 |
| Pretax return on assets | 1.9289% | 662 |
| Return on Equity (ROE) | 12.5380% | 1,161 |
| Retained earnings to average equity (ytd only) | 12.5380% | 246 |
| Net charge-offs to loans | 0.0525% | 2,614 |
| Credit loss provision to net charge-offs | 420.0000% | 811 |
| Earnings coverage of net charge-offs (x) | 59.4912% | 968 |
| Efficiency ratio | 40.0806% | 5,830 |
| Assets per employee ($millions) | 10.2556% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 2,424 |
| Loan loss allowance to noncurrent loans | 1,526.6667% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 5,241 |
| Noncurrent loans to loans | 0.0886% | 4,989 |
| Net loans and leases to total assets | 61.0616% | 3,734 |
| Net loans and leases to deposits | 70.7669% | 3,909 |
| Net loans and leases to core deposits | 77.3595% | 3,716 |
| Total domestic deposits to total assets | 86.2856% | 2,225 |
| Equity capital to assets | 12.9429% | 1,513 |
| Core capital (leverage) ratio | 12.8250% | 1,255 |
| Tier 1 risk-based capital ratio | 17.6499% | 2,027 |
| Total risk-based capital ratio | 18.7987% | 2,023 |
| Memoranda: | ||
| Average total assets | $80,872,750 | 4,758 |
| Average earning assets | $77,977,250 | 4,665 |
| Average equity | $10,113,000 | 4,594 |
| Average total loans | $50,773,250 | 4,592 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 2,963 |
| Cost of funding earning assets | 0.8516% | 374 |
| Net interest margin | 3.2257% | 4,466 |
| Noninterest income to average assets | 0.1789% | 5,420 |
| Noninterest expense to average assets | 1.3171% | 5,935 |
| Loan and lease loss provision to assets | 0.1342% | 1,699 |
| Net operating income to assets | 1.5017% | 891 |
| Return on assets (ROA) | 1.5954% | 776 |
| Pretax return on assets | 1.9483% | 635 |
| Return on Equity (ROE) | 12.9119% | 1,051 |
| Retained earnings to average equity (ytd only) | 12.9119% | 240 |
| Net charge-offs to loans | 0.0670% | 2,235 |
| Credit loss provision to net charge-offs | 317.6471% | 922 |
| Earnings coverage of net charge-offs (x) | 46.5882% | 1,041 |
| Efficiency ratio | 40.0908% | 5,905 |
| Assets per employee ($millions) | 8.9872% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 2,839 |
| Loan loss allowance to noncurrent loans | 1,178.5714% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 5,275 |
| Noncurrent loans to loans | 0.1096% | 5,009 |
| Net loans and leases to total assets | 62.3725% | 3,581 |
| Net loans and leases to deposits | 72.3484% | 3,755 |
| Net loans and leases to core deposits | 78.4372% | 3,612 |
| Total domestic deposits to total assets | 86.2113% | 2,323 |
| Equity capital to assets | 12.9468% | 1,534 |
| Core capital (leverage) ratio | 12.9284% | 1,179 |
| Tier 1 risk-based capital ratio | 17.6517% | 2,029 |
| Total risk-based capital ratio | 18.7692% | 2,030 |
| Memoranda: | ||
| Average total assets | $80,482,000 | 4,805 |
| Average earning assets | $77,503,000 | 4,715 |
| Average equity | $9,944,330 | 4,655 |
| Average total loans | $50,769,330 | 4,618 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 2,855 |
| Cost of funding earning assets | 0.8151% | 450 |
| Net interest margin | 3.2810% | 4,299 |
| Noninterest income to average assets | 0.2142% | 5,207 |
| Noninterest expense to average assets | 1.3004% | 6,008 |
| Loan and lease loss provision to assets | 0.1196% | 1,761 |
| Net operating income to assets | 1.6697% | 614 |
| Return on assets (ROA) | 1.7040% | 609 |
| Pretax return on assets | 1.9830% | 589 |
| Return on Equity (ROE) | 14.1315% | 810 |
| Retained earnings to average equity (ytd only) | 14.1315% | 310 |
| Net charge-offs to loans | 0.1423% | 1,257 |
| Credit loss provision to net charge-offs | 133.3333% | 1,346 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,383 |
| Efficiency ratio | 38.6667% | 5,992 |
| Assets per employee ($millions) | 9.8414% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 3,327 |
| Loan loss allowance to noncurrent loans | 875.0000% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 5,219 |
| Noncurrent loans to loans | 0.1402% | 4,917 |
| Net loans and leases to total assets | 64.4206% | 3,181 |
| Net loans and leases to deposits | 74.3038% | 3,401 |
| Net loans and leases to core deposits | 80.0022% | 3,319 |
| Total domestic deposits to total assets | 86.6990% | 2,357 |
| Equity capital to assets | 12.5719% | 1,638 |
| Core capital (leverage) ratio | 12.3062% | 1,430 |
| Tier 1 risk-based capital ratio | 16.8183% | 2,358 |
| Total risk-based capital ratio | 17.8896% | 2,372 |
| Memoranda: | ||
| Average total assets | $80,280,500 | 4,849 |
| Average earning assets | $77,049,500 | 4,770 |
| Average equity | $9,680,500 | 4,731 |
| Average total loans | $50,599,000 | 4,653 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0797% | 3,001 |
| Cost of funding earning assets | 0.8146% | 453 |
| Net interest margin | 3.2650% | 4,423 |
| Noninterest income to average assets | 0.2058% | 5,363 |
| Noninterest expense to average assets | 1.5040% | 5,982 |
| Loan and lease loss provision to assets | 0.2444% | 779 |
| Net operating income to assets | 1.1884% | 1,594 |
| Return on assets (ROA) | 1.2558% | 1,426 |
| Pretax return on assets | 1.6973% | 999 |
| Return on Equity (ROE) | 11.1596% | 1,560 |
| Retained earnings to average equity (ytd only) | 8.0012% | 915 |
| Net charge-offs to loans | 0.0484% | 3,237 |
| Credit loss provision to net charge-offs | 852.1739% | 404 |
| Earnings coverage of net charge-offs (x) | 64.5217% | 829 |
| Efficiency ratio | 44.8327% | 5,958 |
| Assets per employee ($millions) | 10.2286% | 249 |
| Cash dividends to net income (ytd only)* | 28.3019% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 3,173 |
| Loan loss allowance to noncurrent loans | 4,450.0000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 5,630 |
| Noncurrent loans to loans | 0.0281% | 5,402 |
| Net loans and leases to total assets | 60.1572% | 3,817 |
| Net loans and leases to deposits | 69.1211% | 4,017 |
| Net loans and leases to core deposits | 75.0396% | 3,845 |
| Total domestic deposits to total assets | 87.0315% | 2,112 |
| Equity capital to assets | 11.4446% | 2,401 |
| Core capital (leverage) ratio | 11.2730% | 2,139 |
| Tier 1 risk-based capital ratio | 15.7190% | 2,822 |
| Total risk-based capital ratio | 16.7730% | 2,854 |
| Memoranda: | ||
| Average total assets | $80,186,800 | 4,867 |
| Average earning assets | $77,335,000 | 4,778 |
| Average equity | $9,023,600 | 4,845 |
| Average total loans | $47,547,400 | 4,739 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0671% | 3,074 |
| Cost of funding earning assets | 0.8117% | 462 |
| Net interest margin | 3.2554% | 4,503 |
| Noninterest income to average assets | 0.1872% | 5,539 |
| Noninterest expense to average assets | 1.2702% | 6,156 |
| Loan and lease loss provision to assets | 0.2875% | 537 |
| Net operating income to assets | 1.3888% | 1,136 |
| Return on assets (ROA) | 1.4540% | 1,043 |
| Pretax return on assets | 1.8702% | 767 |
| Return on Equity (ROE) | 12.9776% | 1,127 |
| Retained earnings to average equity (ytd only) | 12.9776% | 279 |
| Net charge-offs to loans | 0.0596% | 2,752 |
| Credit loss provision to net charge-offs | 819.0476% | 433 |
| Earnings coverage of net charge-offs (x) | 59.0939% | 931 |
| Efficiency ratio | 37.9810% | 6,163 |
| Assets per employee ($millions) | 8.7129% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 3,347 |
| Loan loss allowance to noncurrent loans | 326.6304% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 4,821 |
| Noncurrent loans to loans | 0.3836% | 4,237 |
| Net loans and leases to total assets | 60.3997% | 3,825 |
| Net loans and leases to deposits | 69.6453% | 4,029 |
| Net loans and leases to core deposits | 76.2125% | 3,780 |
| Total domestic deposits to total assets | 86.7246% | 2,172 |
| Equity capital to assets | 12.0167% | 2,088 |
| Core capital (leverage) ratio | 11.7053% | 1,880 |
| Tier 1 risk-based capital ratio | 15.3913% | 3,097 |
| Total risk-based capital ratio | 16.3782% | 3,164 |
| Memoranda: | ||
| Average total assets | $79,776,250 | 4,930 |
| Average earning assets | $77,367,750 | 4,835 |
| Average equity | $8,938,250 | 4,921 |
| Average total loans | $46,972,000 | 4,810 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,067 |
| Cost of funding earning assets | 0.8050% | 483 |
| Net interest margin | 3.2457% | 4,515 |
| Noninterest income to average assets | 0.1895% | 5,551 |
| Noninterest expense to average assets | 1.2489% | 6,237 |
| Loan and lease loss provision to assets | 0.3689% | 345 |
| Net operating income to assets | 1.3345% | 1,230 |
| Return on assets (ROA) | 1.4434% | 1,041 |
| Pretax return on assets | 1.8572% | 808 |
| Return on Equity (ROE) | 13.1941% | 1,079 |
| Retained earnings to average equity (ytd only) | 13.1941% | 293 |
| Net charge-offs to loans | 0.1501% | 1,591 |
| Credit loss provision to net charge-offs | 422.8571% | 711 |
| Earnings coverage of net charge-offs (x) | 23.9143% | 1,587 |
| Efficiency ratio | 37.4439% | 6,247 |
| Assets per employee ($millions) | 8.9451% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 3,788 |
| Loan loss allowance to noncurrent loans | 190.2027% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 4,424 |
| Noncurrent loans to loans | 0.6309% | 3,581 |
| Net loans and leases to total assets | 57.5796% | 4,158 |
| Net loans and leases to deposits | 64.9648% | 4,444 |
| Net loans and leases to core deposits | 70.7678% | 4,251 |
| Total domestic deposits to total assets | 88.6319% | 1,340 |
| Equity capital to assets | 10.7930% | 3,119 |
| Core capital (leverage) ratio | 10.7584% | 2,670 |
| Tier 1 risk-based capital ratio | 14.3900% | 3,704 |
| Total risk-based capital ratio | 15.3285% | 3,811 |
| Memoranda: | ||
| Average total assets | $80,229,670 | 4,973 |
| Average earning assets | $77,764,330 | 4,875 |
| Average equity | $8,776,670 | 4,995 |
| Average total loans | $46,641,330 | 4,865 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 3,210 |
| Cost of funding earning assets | 0.7952% | 519 |
| Net interest margin | 3.2115% | 4,567 |
| Noninterest income to average assets | 0.1948% | 5,545 |
| Noninterest expense to average assets | 1.3634% | 6,254 |
| Loan and lease loss provision to assets | 0.1199% | 1,728 |
| Net operating income to assets | 1.5488% | 776 |
| Return on assets (ROA) | 1.6831% | 641 |
| Pretax return on assets | 1.9977% | 588 |
| Return on Equity (ROE) | 15.2826% | 672 |
| Retained earnings to average equity (ytd only) | 15.2826% | 260 |
| Net charge-offs to loans | 0.2322% | 1,023 |
| Credit loss provision to net charge-offs | 88.8889% | 1,750 |
| Earnings coverage of net charge-offs (x) | 14.5185% | 1,668 |
| Efficiency ratio | 41.0526% | 6,247 |
| Assets per employee ($millions) | 9.9011% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 5,226 |
| Loan loss allowance to noncurrent loans | 366.3934% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 5,338 |
| Noncurrent loans to loans | 0.2608% | 4,849 |
| Net loans and leases to total assets | 58.4921% | 3,872 |
| Net loans and leases to deposits | 66.5293% | 4,104 |
| Net loans and leases to core deposits | 72.0208% | 3,958 |
| Total domestic deposits to total assets | 87.9193% | 1,877 |
| Equity capital to assets | 11.3421% | 2,606 |
| Core capital (leverage) ratio | 9.9113% | 3,728 |
| Tier 1 risk-based capital ratio | 13.0081% | 4,600 |
| Total risk-based capital ratio | 13.7448% | 4,822 |
| Memoranda: | ||
| Average total assets | $80,091,500 | 5,021 |
| Average earning assets | $77,970,500 | 4,916 |
| Average equity | $8,820,500 | 5,028 |
| Average total loans | $46,503,000 | 4,898 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 3,614 |
| Cost of funding earning assets | 0.8228% | 576 |
| Net interest margin | 3.2034% | 4,908 |
| Noninterest income to average assets | 0.1884% | 5,730 |
| Noninterest expense to average assets | 1.4177% | 6,342 |
| Loan and lease loss provision to assets | 0.1231% | 2,130 |
| Net operating income to assets | 1.4492% | 980 |
| Return on assets (ROA) | 1.5907% | 756 |
| Pretax return on assets | 1.9125% | 619 |
| Return on Equity (ROE) | 15.6479% | 670 |
| Retained earnings to average equity (ytd only) | 12.4325% | 266 |
| Net charge-offs to loans | -0.0451% | 5,895 |
| Credit loss provision to net charge-offs | -505.2632% | 5,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1863% | 6,342 |
| Assets per employee ($millions) | 10.1218% | 242 |
| Cash dividends to net income (ytd only)* | 20.5479% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 5,184 |
| Loan loss allowance to noncurrent loans | 1,323.5294% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 5,869 |
| Noncurrent loans to loans | 0.0735% | 5,584 |
| Net loans and leases to total assets | 56.5342% | 4,258 |
| Net loans and leases to deposits | 63.8599% | 4,539 |
| Net loans and leases to core deposits | 68.6522% | 4,434 |
| Total domestic deposits to total assets | 88.5284% | 1,509 |
| Equity capital to assets | 10.6911% | 3,249 |
| Core capital (leverage) ratio | 10.4893% | 2,957 |
| Tier 1 risk-based capital ratio | 14.0273% | 4,067 |
| Total risk-based capital ratio | 14.7741% | 4,338 |
| Memoranda: | ||
| Average total assets | $78,013,800 | 5,109 |
| Average earning assets | $75,356,600 | 5,010 |
| Average equity | $7,930,800 | 5,218 |
| Average total loans | $42,161,200 | 5,099 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0334% | 3,627 |
| Cost of funding earning assets | 0.8238% | 613 |
| Net interest margin | 3.2096% | 4,934 |
| Noninterest income to average assets | 0.1691% | 5,911 |
| Noninterest expense to average assets | 1.2596% | 6,470 |
| Loan and lease loss provision to assets | 0.1242% | 2,011 |
| Net operating income to assets | 1.5824% | 783 |
| Return on assets (ROA) | 1.7013% | 638 |
| Pretax return on assets | 2.0256% | 535 |
| Return on Equity (ROE) | 16.9646% | 551 |
| Retained earnings to average equity (ytd only) | 16.9646% | 140 |
| Net charge-offs to loans | -0.0454% | 5,868 |
| Credit loss provision to net charge-offs | -514.2857% | 5,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5428% | 6,482 |
| Assets per employee ($millions) | 9.7494% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 5,250 |
| Loan loss allowance to noncurrent loans | 3,007.1429% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 6,100 |
| Noncurrent loans to loans | 0.0330% | 5,901 |
| Net loans and leases to total assets | 53.8291% | 4,596 |
| Net loans and leases to deposits | 61.0295% | 4,846 |
| Net loans and leases to core deposits | 66.0687% | 4,705 |
| Total domestic deposits to total assets | 88.2018% | 1,655 |
| Equity capital to assets | 11.0815% | 2,876 |
| Core capital (leverage) ratio | 10.8347% | 2,657 |
| Tier 1 risk-based capital ratio | 14.9407% | 3,626 |
| Total risk-based capital ratio | 15.6848% | 3,871 |
| Memoranda: | ||
| Average total assets | $77,273,750 | 5,179 |
| Average earning assets | $74,608,500 | 5,084 |
| Average equity | $7,749,250 | 5,303 |
| Average total loans | $41,144,500 | 5,186 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 3,827 |
| Cost of funding earning assets | 0.8149% | 657 |
| Net interest margin | 3.1628% | 5,059 |
| Noninterest income to average assets | 0.1740% | 5,908 |
| Noninterest expense to average assets | 1.2774% | 6,532 |
| Loan and lease loss provision to assets | 0.1246% | 1,979 |
| Net operating income to assets | 1.5297% | 828 |
| Return on assets (ROA) | 1.6824% | 633 |
| Pretax return on assets | 2.0069% | 546 |
| Return on Equity (ROE) | 17.3929% | 513 |
| Retained earnings to average equity (ytd only) | 17.3929% | 135 |
| Net charge-offs to loans | -0.0982% | 6,135 |
| Credit loss provision to net charge-offs | -240.0000% | 5,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5817% | 6,530 |
| Assets per employee ($millions) | 9.7913% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 5,543 |
| Loan loss allowance to noncurrent loans | 40,300.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,280 |
| Noncurrent loans to loans | 0.0024% | 6,110 |
| Net loans and leases to total assets | 53.3665% | 4,609 |
| Net loans and leases to deposits | 59.9991% | 4,870 |
| Net loans and leases to core deposits | 64.3771% | 4,783 |
| Total domestic deposits to total assets | 88.9455% | 1,385 |
| Equity capital to assets | 10.4481% | 3,504 |
| Core capital (leverage) ratio | 10.3067% | 3,208 |
| Tier 1 risk-based capital ratio | 14.4385% | 3,967 |
| Total risk-based capital ratio | 15.1555% | 4,265 |
| Memoranda: | ||
| Average total assets | $77,033,330 | 5,223 |
| Average earning assets | $74,363,670 | 5,127 |
| Average equity | $7,451,330 | 5,388 |
| Average total loans | $40,724,330 | 5,240 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,936 |
| Cost of funding earning assets | 0.8159% | 691 |
| Net interest margin | 3.1222% | 5,167 |
| Noninterest income to average assets | 0.2042% | 5,723 |
| Noninterest expense to average assets | 1.2882% | 6,601 |
| Loan and lease loss provision to assets | 0.1257% | 1,929 |
| Net operating income to assets | 1.4800% | 848 |
| Return on assets (ROA) | 1.5186% | 821 |
| Pretax return on assets | 1.8433% | 744 |
| Return on Equity (ROE) | 16.3726% | 603 |
| Retained earnings to average equity (ytd only) | 16.3726% | 254 |
| Net charge-offs to loans | -0.1701% | 6,339 |
| Credit loss provision to net charge-offs | -141.1765% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1305% | 6,589 |
| Assets per employee ($millions) | 9.6209% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 5,813 |
| Loan loss allowance to noncurrent loans | 817.3913% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 6,093 |
| Noncurrent loans to loans | 0.1123% | 5,789 |
| Net loans and leases to total assets | 52.7174% | 4,574 |
| Net loans and leases to deposits | 58.8470% | 4,859 |
| Net loans and leases to core deposits | 63.1803% | 4,772 |
| Total domestic deposits to total assets | 89.5838% | 1,318 |
| Equity capital to assets | 9.7652% | 4,146 |
| Core capital (leverage) ratio | 10.3150% | 3,158 |
| Tier 1 risk-based capital ratio | 14.1172% | 4,252 |
| Total risk-based capital ratio | 14.8015% | 4,588 |
| Memoranda: | ||
| Average total assets | $76,385,000 | 5,292 |
| Average earning assets | $73,538,500 | 5,192 |
| Average equity | $7,085,000 | 5,496 |
| Average total loans | $39,984,000 | 5,324 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 4,299 |
| Cost of funding earning assets | 0.9157% | 679 |
| Net interest margin | 3.0303% | 5,506 |
| Noninterest income to average assets | 0.3147% | 5,095 |
| Noninterest expense to average assets | 1.3898% | 6,633 |
| Loan and lease loss provision to assets | 0.0810% | 3,492 |
| Net operating income to assets | 1.4778% | 862 |
| Return on assets (ROA) | 1.6843% | 610 |
| Pretax return on assets | 2.0084% | 469 |
| Return on Equity (ROE) | 18.0129% | 407 |
| Retained earnings to average equity (ytd only) | 14.5461% | 184 |
| Net charge-offs to loans | 0.0774% | 4,132 |
| Credit loss provision to net charge-offs | 222.2222% | 1,028 |
| Earnings coverage of net charge-offs (x) | 50.5556% | 785 |
| Efficiency ratio | 42.9825% | 6,637 |
| Assets per employee ($millions) | 9.4754% | 274 |
| Cash dividends to net income (ytd only)* | 19.2462% | 3,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 6,036 |
| Loan loss allowance to noncurrent loans | 1,861.1111% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 6,330 |
| Noncurrent loans to loans | 0.0461% | 6,099 |
| Net loans and leases to total assets | 51.0296% | 4,966 |
| Net loans and leases to deposits | 56.7193% | 5,236 |
| Net loans and leases to core deposits | 58.4541% | 5,352 |
| Total domestic deposits to total assets | 89.9687% | 1,095 |
| Equity capital to assets | 8.7780% | 5,281 |
| Core capital (leverage) ratio | 10.0611% | 3,481 |
| Tier 1 risk-based capital ratio | 13.7191% | 4,507 |
| Total risk-based capital ratio | 14.3357% | 4,873 |
| Memoranda: | ||
| Average total assets | $74,037,200 | 5,375 |
| Average earning assets | $71,313,400 | 5,272 |
| Average equity | $6,922,800 | 5,588 |
| Average total loans | $34,869,400 | 5,543 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 4,373 |
| Cost of funding earning assets | 0.9284% | 714 |
| Net interest margin | 3.0060% | 5,577 |
| Noninterest income to average assets | 0.3207% | 5,125 |
| Noninterest expense to average assets | 1.2881% | 6,749 |
| Loan and lease loss provision to assets | 0.0815% | 3,429 |
| Net operating income to assets | 1.6084% | 739 |
| Return on assets (ROA) | 1.8732% | 470 |
| Pretax return on assets | 2.1685% | 417 |
| Return on Equity (ROE) | 19.7229% | 318 |
| Retained earnings to average equity (ytd only) | 19.7229% | 84 |
| Net charge-offs to loans | 0.0788% | 3,822 |
| Credit loss provision to net charge-offs | 225.0000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 53.5921% | 822 |
| Efficiency ratio | 39.8766% | 6,757 |
| Assets per employee ($millions) | 9.0766% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 6,055 |
| Loan loss allowance to noncurrent loans | 2,972.7273% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 6,454 |
| Noncurrent loans to loans | 0.0302% | 6,257 |
| Net loans and leases to total assets | 49.6481% | 5,181 |
| Net loans and leases to deposits | 55.2879% | 5,435 |
| Net loans and leases to core deposits | 55.9451% | 5,627 |
| Total domestic deposits to total assets | 89.7993% | 1,105 |
| Equity capital to assets | 9.4928% | 4,564 |
| Core capital (leverage) ratio | 10.2780% | 3,276 |
| Tier 1 risk-based capital ratio | 14.5096% | 4,067 |
| Total risk-based capital ratio | 15.1439% | 4,458 |
| Memoranda: | ||
| Average total assets | $73,595,750 | 5,438 |
| Average earning assets | $71,233,000 | 5,329 |
| Average equity | $6,990,000 | 5,638 |
| Average total loans | $33,832,500 | 5,641 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 4,445 |
| Cost of funding earning assets | 0.9364% | 758 |
| Net interest margin | 2.9715% | 5,641 |
| Noninterest income to average assets | 0.3815% | 4,662 |
| Noninterest expense to average assets | 1.3095% | 6,785 |
| Loan and lease loss provision to assets | 0.0812% | 3,440 |
| Net operating income to assets | 1.6186% | 726 |
| Return on assets (ROA) | 1.9128% | 450 |
| Pretax return on assets | 2.2050% | 409 |
| Return on Equity (ROE) | 20.1358% | 292 |
| Retained earnings to average equity (ytd only) | 20.1358% | 86 |
| Net charge-offs to loans | 0.0606% | 3,838 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 623 |
| Efficiency ratio | 40.1993% | 6,795 |
| Assets per employee ($millions) | 9.0554% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 6,001 |
| Loan loss allowance to noncurrent loans | 3,577.7778% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 6,515 |
| Noncurrent loans to loans | 0.0265% | 6,335 |
| Net loans and leases to total assets | 46.4890% | 5,481 |
| Net loans and leases to deposits | 51.5608% | 5,723 |
| Net loans and leases to core deposits | 52.1687% | 5,876 |
| Total domestic deposits to total assets | 90.1633% | 944 |
| Equity capital to assets | 9.1534% | 5,044 |
| Core capital (leverage) ratio | 9.7643% | 3,844 |
| Tier 1 risk-based capital ratio | 14.3608% | 4,184 |
| Total risk-based capital ratio | 15.0072% | 4,572 |
| Memoranda: | ||
| Average total assets | $73,923,330 | 5,465 |
| Average earning assets | $71,547,330 | 5,347 |
| Average equity | $7,022,330 | 5,677 |
| Average total loans | $32,984,000 | 5,715 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9904% | 4,160 |
| Cost of funding earning assets | 0.9340% | 833 |
| Net interest margin | 3.0563% | 5,407 |
| Noninterest income to average assets | 0.1875% | 6,132 |
| Noninterest expense to average assets | 1.3393% | 6,857 |
| Loan and lease loss provision to assets | 0.0804% | 3,306 |
| Net operating income to assets | 1.5138% | 835 |
| Return on assets (ROA) | 1.9287% | 421 |
| Pretax return on assets | 2.2019% | 422 |
| Return on Equity (ROE) | 19.9501% | 299 |
| Retained earnings to average equity (ytd only) | 19.9501% | 145 |
| Net charge-offs to loans | 0.0616% | 3,201 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 67.6000% | 528 |
| Efficiency ratio | 42.5170% | 6,819 |
| Assets per employee ($millions) | 9.0043% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 6,120 |
| Loan loss allowance to noncurrent loans | 176.2712% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 5,839 |
| Noncurrent loans to loans | 0.5417% | 5,093 |
| Net loans and leases to total assets | 44.9274% | 5,562 |
| Net loans and leases to deposits | 50.4545% | 5,751 |
| Net loans and leases to core deposits | 51.0562% | 5,894 |
| Total domestic deposits to total assets | 89.0455% | 1,656 |
| Equity capital to assets | 10.0175% | 4,128 |
| Core capital (leverage) ratio | 9.3183% | 4,368 |
| Tier 1 risk-based capital ratio | 14.0272% | 4,487 |
| Total risk-based capital ratio | 14.6702% | 4,879 |
| Memoranda: | ||
| Average total assets | $74,663,500 | 5,498 |
| Average earning assets | $72,374,000 | 5,377 |
| Average equity | $7,218,000 | 5,682 |
| Average total loans | $32,476,000 | 5,776 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 5,268 |
| Cost of funding earning assets | 1.2265% | 510 |
| Net interest margin | 2.7836% | 6,402 |
| Noninterest income to average assets | 0.1646% | 6,214 |
| Noninterest expense to average assets | 1.5176% | 6,861 |
| Loan and lease loss provision to assets | 0.0837% | 4,655 |
| Net operating income to assets | 0.9877% | 2,391 |
| Return on assets (ROA) | 1.4186% | 1,178 |
| Pretax return on assets | 1.7868% | 941 |
| Return on Equity (ROE) | 14.7824% | 854 |
| Retained earnings to average equity (ytd only) | 12.1661% | 311 |
| Net charge-offs to loans | 0.4381% | 2,481 |
| Credit loss provision to net charge-offs | 45.4545% | 4,797 |
| Earnings coverage of net charge-offs (x) | 7.1970% | 2,657 |
| Efficiency ratio | 53.3857% | 6,336 |
| Assets per employee ($millions) | 9.6616% | 272 |
| Cash dividends to net income (ytd only)* | 17.6991% | 3,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 6,175 |
| Loan loss allowance to noncurrent loans | 7,550.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 6,688 |
| Noncurrent loans to loans | 0.0124% | 6,518 |
| Net loans and leases to total assets | 41.3686% | 6,062 |
| Net loans and leases to deposits | 46.2528% | 6,238 |
| Net loans and leases to core deposits | 46.8890% | 6,333 |
| Total domestic deposits to total assets | 89.4402% | 1,279 |
| Equity capital to assets | 9.3411% | 5,094 |
| Core capital (leverage) ratio | 8.7903% | 5,194 |
| Tier 1 risk-based capital ratio | 13.0506% | 5,072 |
| Total risk-based capital ratio | 13.6619% | 5,484 |
| Memoranda: | ||
| Average total assets | $71,691,600 | 5,586 |
| Average earning assets | $68,974,800 | 5,466 |
| Average equity | $6,879,800 | 5,795 |
| Average total loans | $30,130,000 | 5,942 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1350% | 5,060 |
| Cost of funding earning assets | 1.2849% | 469 |
| Net interest margin | 2.8501% | 6,435 |
| Noninterest income to average assets | 0.1593% | 6,345 |
| Noninterest expense to average assets | 1.3543% | 7,016 |
| Loan and lease loss provision to assets | 0.0854% | 4,540 |
| Net operating income to assets | 1.1808% | 1,803 |
| Return on assets (ROA) | 1.5971% | 951 |
| Pretax return on assets | 1.9727% | 745 |
| Return on Equity (ROE) | 16.5222% | 667 |
| Retained earnings to average equity (ytd only) | 16.5222% | 172 |
| Net charge-offs to loans | -0.0180% | 6,479 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7277% | 6,783 |
| Assets per employee ($millions) | 8.7933% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 4,210 |
| Loan loss allowance to noncurrent loans | 333.0709% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 6,254 |
| Noncurrent loans to loans | 0.4313% | 5,583 |
| Net loans and leases to total assets | 41.2603% | 6,180 |
| Net loans and leases to deposits | 46.8879% | 6,326 |
| Net loans and leases to core deposits | 47.6101% | 6,443 |
| Total domestic deposits to total assets | 87.9979% | 2,046 |
| Equity capital to assets | 10.5081% | 3,835 |
| Core capital (leverage) ratio | 9.0446% | 4,992 |
| Tier 1 risk-based capital ratio | 14.0008% | 4,518 |
| Total risk-based capital ratio | 14.9187% | 4,727 |
| Memoranda: | ||
| Average total assets | $70,291,250 | 5,686 |
| Average earning assets | $67,551,500 | 5,566 |
| Average equity | $6,794,750 | 5,885 |
| Average total loans | $29,593,250 | 6,045 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1663% | 5,065 |
| Cost of funding earning assets | 1.3166% | 486 |
| Net interest margin | 2.8497% | 6,497 |
| Noninterest income to average assets | 0.1537% | 6,432 |
| Noninterest expense to average assets | 1.3433% | 7,082 |
| Loan and lease loss provision to assets | 0.0854% | 4,519 |
| Net operating income to assets | 1.1714% | 1,812 |
| Return on assets (ROA) | 1.5198% | 1,083 |
| Pretax return on assets | 1.8955% | 854 |
| Return on Equity (ROE) | 16.1924% | 740 |
| Retained earnings to average equity (ytd only) | 16.1924% | 214 |
| Net charge-offs to loans | 0.0337% | 4,907 |
| Credit loss provision to net charge-offs | 600.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 108.6000% | 396 |
| Efficiency ratio | 46.5025% | 6,860 |
| Assets per employee ($millions) | 8.8339% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 4,646 |
| Loan loss allowance to noncurrent loans | 297.7612% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 6,315 |
| Noncurrent loans to loans | 0.4549% | 5,625 |
| Net loans and leases to total assets | 41.1159% | 6,262 |
| Net loans and leases to deposits | 46.2448% | 6,419 |
| Net loans and leases to core deposits | 46.9472% | 6,519 |
| Total domestic deposits to total assets | 88.9092% | 1,571 |
| Equity capital to assets | 9.8060% | 4,617 |
| Core capital (leverage) ratio | 8.5883% | 5,534 |
| Tier 1 risk-based capital ratio | 13.3440% | 4,933 |
| Total risk-based capital ratio | 14.2106% | 5,184 |
| Memoranda: | ||
| Average total assets | $70,273,000 | 5,727 |
| Average earning assets | $67,445,670 | 5,607 |
| Average equity | $6,595,670 | 5,957 |
| Average total loans | $29,641,670 | 6,080 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1610% | 5,241 |
| Cost of funding earning assets | 1.3631% | 484 |
| Net interest margin | 2.7979% | 6,643 |
| Noninterest income to average assets | 0.1598% | 6,427 |
| Noninterest expense to average assets | 1.3700% | 7,134 |
| Loan and lease loss provision to assets | 0.0856% | 4,308 |
| Net operating income to assets | 1.1117% | 2,025 |
| Return on assets (ROA) | 1.5926% | 977 |
| Pretax return on assets | 1.9693% | 780 |
| Return on Equity (ROE) | 17.3602% | 621 |
| Retained earnings to average equity (ytd only) | 17.3602% | 290 |
| Net charge-offs to loans | 0.0673% | 3,813 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 51.2000% | 626 |
| Efficiency ratio | 48.3871% | 6,772 |
| Assets per employee ($millions) | 10.0497% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 5,196 |
| Loan loss allowance to noncurrent loans | 2,742.8571% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 6,860 |
| Noncurrent loans to loans | 0.0460% | 6,635 |
| Net loans and leases to total assets | 42.7318% | 6,122 |
| Net loans and leases to deposits | 47.7234% | 6,303 |
| Net loans and leases to core deposits | 48.6432% | 6,420 |
| Total domestic deposits to total assets | 89.5406% | 1,344 |
| Equity capital to assets | 9.3037% | 5,089 |
| Core capital (leverage) ratio | 8.4384% | 5,693 |
| Tier 1 risk-based capital ratio | 12.7836% | 5,377 |
| Total risk-based capital ratio | 13.6171% | 5,669 |
| Memoranda: | ||
| Average total assets | $70,074,000 | 5,774 |
| Average earning assets | $66,907,000 | 5,663 |
| Average equity | $6,428,500 | 6,036 |
| Average total loans | $29,734,500 | 6,125 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5442% | 4,900 |
| Cost of funding earning assets | 1.5197% | 663 |
| Net interest margin | 3.0245% | 6,491 |
| Noninterest income to average assets | 0.1933% | 6,119 |
| Noninterest expense to average assets | 1.7338% | 7,028 |
| Loan and lease loss provision to assets | 0.2475% | 3,736 |
| Net operating income to assets | 0.9882% | 2,243 |
| Return on assets (ROA) | 1.1801% | 1,684 |
| Pretax return on assets | 1.2605% | 2,272 |
| Return on Equity (ROE) | 13.7601% | 992 |
| Retained earnings to average equity (ytd only) | 10.5140% | 472 |
| Net charge-offs to loans | 0.2292% | 4,351 |
| Credit loss provision to net charge-offs | 250.0000% | 958 |
| Earnings coverage of net charge-offs (x) | 13.1719% | 1,560 |
| Efficiency ratio | 57.0774% | 6,177 |
| Assets per employee ($millions) | 9.9714% | 237 |
| Cash dividends to net income (ytd only)* | 23.5911% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 4,968 |
| Loan loss allowance to noncurrent loans | 4,675.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 6,961 |
| Noncurrent loans to loans | 0.0276% | 6,756 |
| Net loans and leases to total assets | 41.0458% | 6,456 |
| Net loans and leases to deposits | 45.7033% | 6,639 |
| Net loans and leases to core deposits | 46.1167% | 6,730 |
| Total domestic deposits to total assets | 89.8095% | 1,092 |
| Equity capital to assets | 9.0430% | 5,503 |
| Core capital (leverage) ratio | 8.1980% | 6,002 |
| Tier 1 risk-based capital ratio | 12.6480% | 5,334 |
| Total risk-based capital ratio | 13.4912% | 5,627 |
| Memoranda: | ||
| Average total assets | $64,655,200 | 5,908 |
| Average earning assets | $60,802,800 | 5,844 |
| Average equity | $5,545,000 | 6,279 |
| Average total loans | $27,929,000 | 6,252 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6648% | 4,612 |
| Cost of funding earning assets | 1.5497% | 719 |
| Net interest margin | 3.1151% | 6,360 |
| Noninterest income to average assets | 0.1894% | 6,240 |
| Noninterest expense to average assets | 1.5128% | 7,219 |
| Loan and lease loss provision to assets | 0.0947% | 5,280 |
| Net operating income to assets | 1.4366% | 1,086 |
| Return on assets (ROA) | 1.6285% | 810 |
| Pretax return on assets | 1.7106% | 1,121 |
| Return on Equity (ROE) | 19.2774% | 357 |
| Retained earnings to average equity (ytd only) | 19.2774% | 86 |
| Net charge-offs to loans | 0.2121% | 4,107 |
| Credit loss provision to net charge-offs | 102.2727% | 3,261 |
| Earnings coverage of net charge-offs (x) | 17.3167% | 1,353 |
| Efficiency ratio | 48.5483% | 6,920 |
| Assets per employee ($millions) | 9.3029% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 6,400 |
| Loan loss allowance to noncurrent loans | 9,300.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 7,073 |
| Noncurrent loans to loans | 0.0104% | 6,933 |
| Net loans and leases to total assets | 43.9051% | 6,343 |
| Net loans and leases to deposits | 49.2244% | 6,542 |
| Net loans and leases to core deposits | 49.7010% | 6,684 |
| Total domestic deposits to total assets | 89.1938% | 1,307 |
| Equity capital to assets | 9.7896% | 4,636 |
| Core capital (leverage) ratio | 8.9699% | 4,984 |
| Tier 1 risk-based capital ratio | 13.6395% | 4,624 |
| Total risk-based capital ratio | 14.2955% | 5,034 |
| Memoranda: | ||
| Average total assets | $63,369,000 | 5,986 |
| Average earning assets | $59,536,750 | 5,922 |
| Average equity | $5,353,250 | 6,386 |
| Average total loans | $27,655,250 | 6,321 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6775% | 4,632 |
| Cost of funding earning assets | 1.5830% | 753 |
| Net interest margin | 3.0944% | 6,420 |
| Noninterest income to average assets | 0.1975% | 6,259 |
| Noninterest expense to average assets | 1.5035% | 7,303 |
| Loan and lease loss provision to assets | 0.0956% | 5,133 |
| Net operating income to assets | 1.4065% | 1,068 |
| Return on assets (ROA) | 1.4398% | 1,057 |
| Pretax return on assets | 1.5226% | 1,459 |
| Return on Equity (ROE) | 18.0343% | 462 |
| Retained earnings to average equity (ytd only) | 18.0343% | 140 |
| Net charge-offs to loans | 0.3083% | 3,332 |
| Credit loss provision to net charge-offs | 71.4286% | 4,019 |
| Earnings coverage of net charge-offs (x) | 11.8333% | 1,668 |
| Efficiency ratio | 48.7100% | 7,021 |
| Assets per employee ($millions) | 8.0826% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 6,383 |
| Loan loss allowance to noncurrent loans | 436.0656% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 6,858 |
| Noncurrent loans to loans | 0.2263% | 6,452 |
| Net loans and leases to total assets | 41.2753% | 6,645 |
| Net loans and leases to deposits | 45.7003% | 6,840 |
| Net loans and leases to core deposits | 46.1380% | 6,930 |
| Total domestic deposits to total assets | 90.3172% | 804 |
| Equity capital to assets | 8.9111% | 5,697 |
| Core capital (leverage) ratio | 8.6307% | 5,346 |
| Tier 1 risk-based capital ratio | 13.6358% | 4,428 |
| Total risk-based capital ratio | 14.2978% | 4,865 |
| Memoranda: | ||
| Average total assets | $62,785,330 | 6,059 |
| Average earning assets | $58,621,670 | 6,008 |
| Average equity | $5,012,670 | 6,524 |
| Average total loans | $27,250,330 | 6,401 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7659% | 4,226 |
| Cost of funding earning assets | 1.6094% | 787 |
| Net interest margin | 3.1565% | 6,202 |
| Noninterest income to average assets | 0.2070% | 6,255 |
| Noninterest expense to average assets | 1.5522% | 7,340 |
| Loan and lease loss provision to assets | 0.0970% | 4,802 |
| Net operating income to assets | 1.4193% | 1,032 |
| Return on assets (ROA) | 1.4746% | 964 |
| Pretax return on assets | 1.5587% | 1,284 |
| Return on Equity (ROE) | 19.6636% | 350 |
| Retained earnings to average equity (ytd only) | 19.6636% | 172 |
| Net charge-offs to loans | 0.0730% | 4,212 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 49.4000% | 587 |
| Efficiency ratio | 49.2813% | 7,046 |
| Assets per employee ($millions) | 7.7064% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 6,145 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 6,593 |
| Noncurrent loans to loans | 0.5367% | 5,954 |
| Net loans and leases to total assets | 43.0520% | 6,542 |
| Net loans and leases to deposits | 47.1975% | 6,784 |
| Net loans and leases to core deposits | 47.6628% | 6,893 |
| Total domestic deposits to total assets | 91.2167% | 524 |
| Equity capital to assets | 7.9155% | 6,579 |
| Core capital (leverage) ratio | 8.5054% | 5,442 |
| Tier 1 risk-based capital ratio | 13.1332% | 4,720 |
| Total risk-based capital ratio | 13.8530% | 5,145 |
| Memoranda: | ||
| Average total assets | $61,847,500 | 6,129 |
| Average earning assets | $57,659,500 | 6,079 |
| Average equity | $4,638,000 | 6,672 |
| Average total loans | $27,398,000 | 6,442 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0721% | 4,222 |
| Cost of funding earning assets | 1.8961% | 854 |
| Net interest margin | 3.1760% | 6,326 |
| Noninterest income to average assets | 0.2172% | 6,254 |
| Noninterest expense to average assets | 1.5956% | 7,408 |
| Loan and lease loss provision to assets | 0.1026% | 6,116 |
| Net operating income to assets | 1.5067% | 759 |
| Return on assets (ROA) | 1.2143% | 1,455 |
| Pretax return on assets | 1.2143% | 2,177 |
| Return on Equity (ROE) | 15.4281% | 657 |
| Retained earnings to average equity (ytd only) | 11.5167% | 326 |
| Net charge-offs to loans | 0.1133% | 5,752 |
| Credit loss provision to net charge-offs | 193.5484% | 1,641 |
| Earnings coverage of net charge-offs (x) | 30.3548% | 724 |
| Efficiency ratio | 49.7866% | 7,139 |
| Assets per employee ($millions) | 8.8634% | 357 |
| Cash dividends to net income (ytd only)* | 25.3521% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 6,416 |
| Loan loss allowance to noncurrent loans | 414.9254% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 6,963 |
| Noncurrent loans to loans | 0.2396% | 6,582 |
| Net loans and leases to total assets | 44.6264% | 6,665 |
| Net loans and leases to deposits | 48.4793% | 6,931 |
| Net loans and leases to core deposits | 48.7302% | 7,036 |
| Total domestic deposits to total assets | 92.0524% | 272 |
| Equity capital to assets | 7.0853% | 7,084 |
| Core capital (leverage) ratio | 8.1011% | 6,012 |
| Tier 1 risk-based capital ratio | 12.2228% | 5,281 |
| Total risk-based capital ratio | 12.8988% | 5,777 |
| Memoranda: | ||
| Average total assets | $58,471,800 | 6,260 |
| Average earning assets | $55,006,400 | 6,175 |
| Average equity | $4,602,000 | 6,787 |
| Average total loans | $27,370,600 | 6,535 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1733% | 3,969 |
| Cost of funding earning assets | 1.9640% | 848 |
| Net interest margin | 3.2093% | 6,307 |
| Noninterest income to average assets | 0.2154% | 6,371 |
| Noninterest expense to average assets | 1.4774% | 7,558 |
| Loan and lease loss provision to assets | 0.1042% | 5,993 |
| Net operating income to assets | 1.6233% | 713 |
| Return on assets (ROA) | 1.7390% | 629 |
| Pretax return on assets | 1.7715% | 974 |
| Return on Equity (ROE) | 21.5174% | 218 |
| Retained earnings to average equity (ytd only) | 21.5174% | 61 |
| Net charge-offs to loans | 0.0686% | 5,831 |
| Credit loss provision to net charge-offs | 321.4286% | 984 |
| Earnings coverage of net charge-offs (x) | 54.2030% | 537 |
| Efficiency ratio | 45.6693% | 7,395 |
| Assets per employee ($millions) | 8.5654% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 6,393 |
| Loan loss allowance to noncurrent loans | 243.4783% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 6,885 |
| Noncurrent loans to loans | 0.4110% | 6,376 |
| Net loans and leases to total assets | 46.2023% | 6,680 |
| Net loans and leases to deposits | 51.1910% | 6,933 |
| Net loans and leases to core deposits | 51.4764% | 7,067 |
| Total domestic deposits to total assets | 90.2548% | 749 |
| Equity capital to assets | 8.8745% | 5,740 |
| Core capital (leverage) ratio | 8.6651% | 5,252 |
| Tier 1 risk-based capital ratio | 13.0081% | 4,572 |
| Total risk-based capital ratio | 13.7022% | 5,002 |
| Memoranda: | ||
| Average total assets | $57,578,750 | 6,367 |
| Average earning assets | $54,174,750 | 6,272 |
| Average equity | $4,653,500 | 6,855 |
| Average total loans | $27,221,750 | 6,630 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2973% | 3,485 |
| Cost of funding earning assets | 2.0052% | 904 |
| Net interest margin | 3.2921% | 6,039 |
| Noninterest income to average assets | 0.2325% | 6,247 |
| Noninterest expense to average assets | 1.5462% | 7,595 |
| Loan and lease loss provision to assets | 0.1057% | 5,858 |
| Net operating income to assets | 1.6499% | 644 |
| Return on assets (ROA) | 1.9019% | 438 |
| Pretax return on assets | 1.9371% | 691 |
| Return on Equity (ROE) | 24.3737% | 140 |
| Retained earnings to average equity (ytd only) | 24.3737% | 50 |
| Net charge-offs to loans | 0.0593% | 5,564 |
| Credit loss provision to net charge-offs | 375.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 63.3750% | 491 |
| Efficiency ratio | 46.4059% | 7,420 |
| Assets per employee ($millions) | 8.5050% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 6,471 |
| Loan loss allowance to noncurrent loans | 188.1944% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 6,793 |
| Noncurrent loans to loans | 0.5225% | 6,213 |
| Net loans and leases to total assets | 45.8352% | 6,787 |
| Net loans and leases to deposits | 50.4110% | 7,050 |
| Net loans and leases to core deposits | 50.9247% | 7,174 |
| Total domestic deposits to total assets | 90.9230% | 516 |
| Equity capital to assets | 8.2069% | 6,534 |
| Core capital (leverage) ratio | 8.5827% | 5,264 |
| Tier 1 risk-based capital ratio | 12.3559% | 4,984 |
| Total risk-based capital ratio | 13.0207% | 5,486 |
| Memoranda: | ||
| Average total assets | $56,785,670 | 6,440 |
| Average earning assets | $53,461,670 | 6,348 |
| Average equity | $4,431,000 | 6,963 |
| Average total loans | $26,968,330 | 6,693 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3496% | 3,301 |
| Cost of funding earning assets | 2.0376% | 986 |
| Net interest margin | 3.3120% | 5,922 |
| Noninterest income to average assets | 0.2021% | 6,517 |
| Noninterest expense to average assets | 1.6748% | 7,597 |
| Loan and lease loss provision to assets | 0.1083% | 5,542 |
| Net operating income to assets | 1.5250% | 857 |
| Return on assets (ROA) | 1.9707% | 396 |
| Pretax return on assets | 2.0068% | 599 |
| Return on Equity (ROE) | 25.9784% | 136 |
| Retained earnings to average equity (ytd only) | 25.9784% | 94 |
| Net charge-offs to loans | 0.1050% | 4,372 |
| Credit loss provision to net charge-offs | 214.2857% | 1,738 |
| Earnings coverage of net charge-offs (x) | 32.8571% | 816 |
| Efficiency ratio | 50.2165% | 7,302 |
| Assets per employee ($millions) | 7.8630% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 6,696 |
| Loan loss allowance to noncurrent loans | 1,835.7143% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 7,428 |
| Noncurrent loans to loans | 0.0514% | 7,274 |
| Net loans and leases to total assets | 49.0362% | 6,575 |
| Net loans and leases to deposits | 53.8250% | 6,925 |
| Net loans and leases to core deposits | 54.1392% | 7,093 |
| Total domestic deposits to total assets | 91.1030% | 501 |
| Equity capital to assets | 7.9741% | 6,684 |
| Core capital (leverage) ratio | 8.5653% | 5,264 |
| Tier 1 risk-based capital ratio | 12.1362% | 5,050 |
| Total risk-based capital ratio | 12.7900% | 5,608 |
| Memoranda: | ||
| Average total assets | $55,411,000 | 6,557 |
| Average earning assets | $52,415,500 | 6,462 |
| Average equity | $4,203,500 | 7,111 |
| Average total loans | $26,673,000 | 6,798 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6378% | 3,403 |
| Cost of funding earning assets | 2.4344% | 1,196 |
| Net interest margin | 3.2034% | 6,078 |
| Noninterest income to average assets | 0.2312% | 6,458 |
| Noninterest expense to average assets | 1.6660% | 7,725 |
| Loan and lease loss provision to assets | 0.1700% | 5,990 |
| Net operating income to assets | 1.3888% | 870 |
| Return on assets (ROA) | 1.4348% | 848 |
| Pretax return on assets | 1.4723% | 1,257 |
| Return on Equity (ROE) | 20.4484% | 228 |
| Retained earnings to average equity (ytd only) | 15.8010% | 80 |
| Net charge-offs to loans | 0.2875% | 4,836 |
| Credit loss provision to net charge-offs | 124.6377% | 4,208 |
| Earnings coverage of net charge-offs (x) | 11.6957% | 1,574 |
| Efficiency ratio | 51.0909% | 7,467 |
| Assets per employee ($millions) | 7.9687% | 522 |
| Cash dividends to net income (ytd only)* | 22.7273% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 6,620 |
| Loan loss allowance to noncurrent loans | 8,300.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 7,529 |
| Noncurrent loans to loans | 0.0115% | 7,412 |
| Net loans and leases to total assets | 46.3419% | 6,944 |
| Net loans and leases to deposits | 50.4607% | 7,238 |
| Net loans and leases to core deposits | 56.8607% | 7,376 |
| Total domestic deposits to total assets | 91.8377% | 294 |
| Equity capital to assets | 7.2032% | 7,260 |
| Core capital (leverage) ratio | 8.1513% | 5,905 |
| Tier 1 risk-based capital ratio | 11.6403% | 5,256 |
| Total risk-based capital ratio | 12.2848% | 5,855 |
| Memoranda: | ||
| Average total assets | $50,600,800 | 6,682 |
| Average earning assets | $47,855,400 | 6,603 |
| Average equity | $3,550,400 | 7,430 |
| Average total loans | $24,001,000 | 6,972 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7165% | 3,261 |
| Cost of funding earning assets | 2.4976% | 1,312 |
| Net interest margin | 3.2189% | 5,951 |
| Noninterest income to average assets | 0.2325% | 6,561 |
| Noninterest expense to average assets | 1.5684% | 7,854 |
| Loan and lease loss provision to assets | 0.0730% | 6,627 |
| Net operating income to assets | 1.6066% | 657 |
| Return on assets (ROA) | 1.6252% | 684 |
| Pretax return on assets | 1.6631% | 1,037 |
| Return on Equity (ROE) | 23.3380% | 157 |
| Retained earnings to average equity (ytd only) | 23.3380% | 37 |
| Net charge-offs to loans | 0.3180% | 4,051 |
| Credit loss provision to net charge-offs | 48.2143% | 6,338 |
| Earnings coverage of net charge-offs (x) | 11.3401% | 1,864 |
| Efficiency ratio | 47.7366% | 7,675 |
| Assets per employee ($millions) | 7.5236% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 7,141 |
| Loan loss allowance to noncurrent loans | 110.9290% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 6,614 |
| Noncurrent loans to loans | 0.7166% | 5,871 |
| Net loans and leases to total assets | 48.1079% | 6,943 |
| Net loans and leases to deposits | 53.0175% | 7,258 |
| Net loans and leases to core deposits | 59.0844% | 7,432 |
| Total domestic deposits to total assets | 90.7396% | 500 |
| Equity capital to assets | 8.2123% | 6,625 |
| Core capital (leverage) ratio | 8.6692% | 5,186 |
| Tier 1 risk-based capital ratio | 12.0294% | 4,947 |
| Total risk-based capital ratio | 12.5676% | 5,567 |
| Memoranda: | ||
| Average total assets | $49,305,750 | 6,790 |
| Average earning assets | $46,763,750 | 6,699 |
| Average equity | $3,433,500 | 7,535 |
| Average total loans | $23,476,500 | 7,064 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7948% | 3,071 |
| Cost of funding earning assets | 2.5394% | 1,483 |
| Net interest margin | 3.2555% | 5,713 |
| Noninterest income to average assets | 0.2366% | 6,588 |
| Noninterest expense to average assets | 1.5565% | 7,940 |
| Loan and lease loss provision to assets | 0.0747% | 6,443 |
| Net operating income to assets | 1.6433% | 626 |
| Return on assets (ROA) | 1.8304% | 474 |
| Pretax return on assets | 1.8719% | 739 |
| Return on Equity (ROE) | 28.1220% | 89 |
| Retained earnings to average equity (ytd only) | 28.1220% | 35 |
| Net charge-offs to loans | 0.5617% | 2,642 |
| Credit loss provision to net charge-offs | 28.1250% | 6,050 |
| Earnings coverage of net charge-offs (x) | 6.6094% | 2,586 |
| Efficiency ratio | 46.9925% | 7,806 |
| Assets per employee ($millions) | 7.1974% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 7,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 46.0879% | 7,186 |
| Net loans and leases to deposits | 50.1025% | 7,481 |
| Net loans and leases to core deposits | 55.6754% | 7,608 |
| Total domestic deposits to total assets | 91.9872% | 218 |
| Equity capital to assets | 6.9172% | 7,654 |
| Core capital (leverage) ratio | 8.9261% | 4,745 |
| Tier 1 risk-based capital ratio | 12.4198% | 4,583 |
| Total risk-based capital ratio | 12.9476% | 5,131 |
| Memoranda: | ||
| Average total assets | $48,186,000 | 6,896 |
| Average earning assets | $45,523,330 | 6,817 |
| Average equity | $3,136,330 | 7,688 |
| Average total loans | $22,789,000 | 7,156 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9372% | 2,617 |
| Cost of funding earning assets | 2.5716% | 1,652 |
| Net interest margin | 3.3656% | 5,267 |
| Noninterest income to average assets | 0.2718% | 6,254 |
| Noninterest expense to average assets | 1.6565% | 7,861 |
| Loan and lease loss provision to assets | 0.0765% | 6,002 |
| Net operating income to assets | 1.6719% | 687 |
| Return on assets (ROA) | 2.0133% | 389 |
| Pretax return on assets | 2.0557% | 597 |
| Return on Equity (ROE) | 32.0054% | 79 |
| Retained earnings to average equity (ytd only) | 32.0054% | 43 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1481% | 7,723 |
| Assets per employee ($millions) | 6.7020% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 5,810 |
| Loan loss allowance to noncurrent loans | 2,677.7778% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 7,574 |
| Noncurrent loans to loans | 0.0392% | 7,434 |
| Net loans and leases to total assets | 48.3864% | 6,992 |
| Net loans and leases to deposits | 52.5086% | 7,367 |
| Net loans and leases to core deposits | 57.7065% | 7,537 |
| Total domestic deposits to total assets | 92.1495% | 161 |
| Equity capital to assets | 6.7165% | 7,801 |
| Core capital (leverage) ratio | 8.8163% | 4,954 |
| Tier 1 risk-based capital ratio | 12.3370% | 4,669 |
| Total risk-based capital ratio | 13.0495% | 5,042 |
| Memoranda: | ||
| Average total assets | $47,088,000 | 6,984 |
| Average earning assets | $44,330,500 | 6,912 |
| Average equity | $2,962,000 | 7,796 |
| Average total loans | $22,480,500 | 7,218 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0798% | 5,146 |
| Cost of funding earning assets | 2.9085% | 2,230 |
| Net interest margin | 3.1713% | 6,461 |
| Noninterest income to average assets | 0.3037% | 6,274 |
| Noninterest expense to average assets | 1.9787% | 7,481 |
| Loan and lease loss provision to assets | 0.0841% | 6,335 |
| Net operating income to assets | 1.1566% | 1,920 |
| Return on assets (ROA) | 1.1611% | 1,832 |
| Pretax return on assets | 1.2055% | 2,614 |
| Return on Equity (ROE) | 15.1626% | 899 |
| Retained earnings to average equity (ytd only) | 10.5864% | 379 |
| Net charge-offs to loans | 0.0191% | 6,595 |
| Credit loss provision to net charge-offs | 900.0000% | 493 |
| Earnings coverage of net charge-offs (x) | 137.5000% | 331 |
| Efficiency ratio | 60.6299% | 6,237 |
| Assets per employee ($millions) | 6.7517% | 790 |
| Cash dividends to net income (ytd only)* | 30.1811% | 4,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 5,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 46.1005% | 7,322 |
| Net loans and leases to deposits | 49.6208% | 7,642 |
| Net loans and leases to core deposits | 54.1545% | 7,798 |
| Total domestic deposits to total assets | 92.9055% | 60 |
| Equity capital to assets | 5.8673% | 8,083 |
| Core capital (leverage) ratio | 8.3998% | 5,764 |
| Tier 1 risk-based capital ratio | 11.9486% | 4,862 |
| Total risk-based capital ratio | 12.6529% | 5,234 |
| Memoranda: | ||
| Average total assets | $42,805,200 | 7,086 |
| Average earning assets | $39,952,200 | 7,044 |
| Average equity | $3,277,800 | 7,755 |
| Average total loans | $20,969,200 | 7,263 |