Home > Bank of Moundville > Performance and Condition Ratios
Bank of Moundville, 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 | 3.8487% | 4,125 |
| Cost of funding earning assets | 1.6433% | 1,589 |
| Net interest margin | 2.2054% | 4,315 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.0628% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4860% | 3,693 |
| Return on assets (ROA) | 0.0763% | 4,300 |
| Pretax return on assets | 0.0891% | 4,284 |
| Return on Equity (ROE) | 0.8500% | 4,275 |
| Retained earnings to average equity (ytd only) | 0.8490% | 3,866 |
| Net charge-offs to loans | 0.0112% | 2,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 142.2000% | 736 |
| Efficiency ratio | 78.4871% | 1,029 |
| Assets per employee ($millions) | 9.0253% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 3,515 |
| Loan loss allowance to noncurrent loans | 2,705.8824% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,661 |
| Noncurrent loans to loans | 0.0353% | 3,482 |
| Net loans and leases to total assets | 40.6900% | 4,016 |
| Net loans and leases to deposits | 47.3146% | 4,012 |
| Net loans and leases to core deposits | 55.0432% | 3,942 |
| Total domestic deposits to total assets | 85.9900% | 2,021 |
| Equity capital to assets | 11.1788% | 1,406 |
| Core capital (leverage) ratio | 17.6546% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $125,754,200 | 3,591 |
| Average earning assets | $115,805,200 | 3,585 |
| Average equity | $11,307,200 | 3,589 |
| Average total loans | $44,744,600 | 3,916 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7549% | 4,153 |
| Cost of funding earning assets | 1.6525% | 1,272 |
| Net interest margin | 2.1024% | 4,407 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.0230% | 3,535 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.1804% | 4,251 |
| Return on assets (ROA) | -0.4442% | 4,516 |
| Pretax return on assets | -0.4275% | 4,506 |
| Return on Equity (ROE) | -5.2300% | 4,503 |
| Retained earnings to average equity (ytd only) | -5.2325% | 4,427 |
| Net charge-offs to loans | 0.0304% | 1,469 |
| Credit loss provision to net charge-offs | 350.0000% | 793 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,761 |
| Efficiency ratio | 89.6488% | 387 |
| Assets per employee ($millions) | 9.9804% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 3,086 |
| Loan loss allowance to noncurrent loans | 276.8362% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 2,589 |
| Noncurrent loans to loans | 0.3818% | 1,870 |
| Net loans and leases to total assets | 38.3000% | 4,119 |
| Net loans and leases to deposits | 42.3078% | 4,155 |
| Net loans and leases to core deposits | 47.2686% | 4,103 |
| Total domestic deposits to total assets | 90.5200% | 801 |
| Equity capital to assets | 9.0310% | 2,393 |
| Core capital (leverage) ratio | 15.7455% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $127,860,500 | 3,587 |
| Average earning assets | $117,640,250 | 3,584 |
| Average equity | $10,855,000 | 3,633 |
| Average total loans | $43,881,000 | 3,947 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5771% | 4,275 |
| Cost of funding earning assets | 1.5226% | 1,203 |
| Net interest margin | 2.0545% | 4,479 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.9302% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2074% | 4,268 |
| Return on assets (ROA) | 0.1578% | 4,352 |
| Pretax return on assets | 0.2512% | 4,274 |
| Return on Equity (ROE) | 1.9000% | 4,282 |
| Retained earnings to average equity (ytd only) | 1.8955% | 3,744 |
| Net charge-offs to loans | 0.0325% | 1,243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 29.2857% | 1,565 |
| Efficiency ratio | 86.0068% | 497 |
| Assets per employee ($millions) | 9.9790% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,378 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,712 |
| Noncurrent loans to loans | 0.0375% | 3,465 |
| Net loans and leases to total assets | 34.6100% | 4,224 |
| Net loans and leases to deposits | 43.1647% | 4,131 |
| Net loans and leases to core deposits | 48.7936% | 4,048 |
| Total domestic deposits to total assets | 80.1700% | 3,550 |
| Equity capital to assets | 9.4722% | 2,174 |
| Core capital (leverage) ratio | 16.0228% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $130,559,000 | 3,564 |
| Average earning assets | $120,711,667 | 3,556 |
| Average equity | $10,868,000 | 3,643 |
| Average total loans | $43,055,333 | 3,975 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5044% | 4,258 |
| Cost of funding earning assets | 1.3504% | 1,131 |
| Net interest margin | 2.1540% | 4,510 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.9393% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3768% | 4,124 |
| Return on assets (ROA) | 0.2779% | 4,243 |
| Pretax return on assets | 0.3726% | 4,167 |
| Return on Equity (ROE) | 3.5800% | 4,104 |
| Retained earnings to average equity (ytd only) | 3.5834% | 3,373 |
| Net charge-offs to loans | 0.0191% | 1,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 885 |
| Efficiency ratio | 79.5739% | 865 |
| Assets per employee ($millions) | 10.8038% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 3,153 |
| Loan loss allowance to noncurrent loans | 1,929.1667% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 3,623 |
| Noncurrent loans to loans | 0.0560% | 3,340 |
| Net loans and leases to total assets | 32.7200% | 4,302 |
| Net loans and leases to deposits | 40.9314% | 4,199 |
| Net loans and leases to core deposits | 46.2528% | 4,100 |
| Total domestic deposits to total assets | 79.9400% | 3,768 |
| Equity capital to assets | 9.7404% | 1,969 |
| Core capital (leverage) ratio | 15.5768% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8472% | 220 |
| Memoranda: | ||
| Average total assets | $130,975,000 | 3,606 |
| Average earning assets | $121,448,500 | 3,586 |
| Average equity | $10,158,000 | 3,765 |
| Average total loans | $41,907,000 | 4,038 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9990% | 4,135 |
| Cost of funding earning assets | 0.4892% | 1,474 |
| Net interest margin | 2.5098% | 4,281 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.9935% | 3,591 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.5613% | 3,964 |
| Return on assets (ROA) | 0.5620% | 3,932 |
| Pretax return on assets | 0.6535% | 3,940 |
| Return on Equity (ROE) | 8.6600% | 3,213 |
| Retained earnings to average equity (ytd only) | 5.2539% | 2,949 |
| Net charge-offs to loans | 0.4352% | 175 |
| Credit loss provision to net charge-offs | 62.1118% | 1,763 |
| Earnings coverage of net charge-offs (x) | 5.5404% | 2,371 |
| Efficiency ratio | 73.0595% | 1,315 |
| Assets per employee ($millions) | 10.1773% | 643 |
| Cash dividends to net income (ytd only)* | 39.2962% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 2,715 |
| Loan loss allowance to noncurrent loans | 220.3791% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 2,418 |
| Noncurrent loans to loans | 0.5155% | 1,412 |
| Net loans and leases to total assets | 30.5900% | 4,378 |
| Net loans and leases to deposits | 37.0400% | 4,321 |
| Net loans and leases to core deposits | 40.1763% | 4,276 |
| Total domestic deposits to total assets | 82.5800% | 3,519 |
| Equity capital to assets | 5.8108% | 4,151 |
| Core capital (leverage) ratio | 12.0830% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4140% | 398 |
| Memoranda: | ||
| Average total assets | $121,346,800 | 3,718 |
| Average earning assets | $113,236,800 | 3,693 |
| Average equity | $7,879,800 | 4,113 |
| Average total loans | $36,996,600 | 4,119 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8407% | 4,144 |
| Cost of funding earning assets | 0.3979% | 1,304 |
| Net interest margin | 2.4428% | 4,270 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.8829% | 3,789 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.6308% | 3,746 |
| Return on assets (ROA) | 0.6318% | 3,698 |
| Pretax return on assets | 0.7228% | 3,758 |
| Return on Equity (ROE) | 9.4500% | 2,889 |
| Retained earnings to average equity (ytd only) | 9.4518% | 1,498 |
| Net charge-offs to loans | 0.6664% | 87 |
| Credit loss provision to net charge-offs | 55.5556% | 1,506 |
| Earnings coverage of net charge-offs (x) | 4.1222% | 2,185 |
| Efficiency ratio | 69.3008% | 1,848 |
| Assets per employee ($millions) | 9.1955% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 2,442 |
| Loan loss allowance to noncurrent loans | 543.9024% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 3,252 |
| Noncurrent loans to loans | 0.2237% | 2,493 |
| Net loans and leases to total assets | 28.1300% | 4,458 |
| Net loans and leases to deposits | 31.2402% | 4,481 |
| Net loans and leases to core deposits | 34.2674% | 4,439 |
| Total domestic deposits to total assets | 90.0300% | 1,647 |
| Equity capital to assets | 5.7132% | 4,070 |
| Core capital (leverage) ratio | 12.3396% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4590% | 281 |
| Memoranda: | ||
| Average total assets | $118,607,250 | 3,768 |
| Average earning assets | $110,581,500 | 3,744 |
| Average equity | $7,927,750 | 4,143 |
| Average total loans | $36,012,500 | 4,155 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7028% | 4,136 |
| Cost of funding earning assets | 0.3877% | 1,003 |
| Net interest margin | 2.3151% | 4,325 |
| Noninterest income to average assets | 0.5415% | 1,987 |
| Noninterest expense to average assets | 1.8606% | 3,810 |
| Loan and lease loss provision to assets | 0.1736% | 514 |
| Net operating income to assets | 0.5851% | 3,669 |
| Return on assets (ROA) | 0.5866% | 3,615 |
| Pretax return on assets | 0.6752% | 3,642 |
| Return on Equity (ROE) | 8.3265% | 2,925 |
| Retained earnings to average equity (ytd only) | 8.3265% | 1,501 |
| Net charge-offs to loans | 0.9945% | 65 |
| Credit loss provision to net charge-offs | 56.1798% | 1,466 |
| Earnings coverage of net charge-offs (x) | 2.7416% | 2,019 |
| Efficiency ratio | 68.7179% | 2,137 |
| Assets per employee ($millions) | 9.0345% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,721 |
| Loan loss allowance to noncurrent loans | 933.3333% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,603 |
| Noncurrent loans to loans | 0.1277% | 3,080 |
| Net loans and leases to total assets | 29.3541% | 4,481 |
| Net loans and leases to deposits | 31.4266% | 4,515 |
| Net loans and leases to core deposits | 32.8174% | 4,513 |
| Total domestic deposits to total assets | 93.4054% | 413 |
| Equity capital to assets | 6.2767% | 4,107 |
| Core capital (leverage) ratio | 13.0221% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6259% | 336 |
| Memoranda: | ||
| Average total assets | $115,230,667 | 3,842 |
| Average earning assets | $107,816,000 | 3,823 |
| Average equity | $8,118,667 | 4,190 |
| Average total loans | $35,798,333 | 4,215 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6576% | 4,016 |
| Cost of funding earning assets | 0.3969% | 890 |
| Net interest margin | 2.2607% | 4,286 |
| Noninterest income to average assets | 0.2555% | 3,613 |
| Noninterest expense to average assets | 1.9306% | 3,607 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3686% | 4,025 |
| Return on assets (ROA) | 0.3686% | 3,988 |
| Pretax return on assets | 0.4452% | 3,957 |
| Return on Equity (ROE) | 4.9217% | 3,642 |
| Retained earnings to average equity (ytd only) | 4.9217% | 2,611 |
| Net charge-offs to loans | 1.7989% | 43 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 0.7771% | 1,759 |
| Efficiency ratio | 81.2596% | 1,049 |
| Assets per employee ($millions) | 8.4172% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,448 |
| Loan loss allowance to noncurrent loans | 723.5294% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 3,574 |
| Noncurrent loans to loans | 0.1482% | 3,065 |
| Net loans and leases to total assets | 31.1147% | 4,417 |
| Net loans and leases to deposits | 33.6180% | 4,448 |
| Net loans and leases to core deposits | 34.9171% | 4,461 |
| Total domestic deposits to total assets | 92.5537% | 391 |
| Equity capital to assets | 6.0873% | 4,565 |
| Core capital (leverage) ratio | 9.1900% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5912% | 685 |
| Memoranda: | ||
| Average total assets | $109,604,500 | 3,920 |
| Average earning assets | $102,801,000 | 3,902 |
| Average equity | $8,208,500 | 4,250 |
| Average total loans | $34,909,500 | 4,250 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8614% | 4,117 |
| Cost of funding earning assets | 0.5228% | 830 |
| Net interest margin | 2.3386% | 4,383 |
| Noninterest income to average assets | 2.0596% | 305 |
| Noninterest expense to average assets | 2.2517% | 2,944 |
| Loan and lease loss provision to assets | 0.0947% | 1,323 |
| Net operating income to assets | 1.3660% | 1,392 |
| Return on assets (ROA) | 1.3384% | 1,519 |
| Pretax return on assets | 1.8249% | 868 |
| Return on Equity (ROE) | 14.4209% | 1,082 |
| Retained earnings to average equity (ytd only) | 11.1777% | 673 |
| Net charge-offs to loans | 0.0339% | 1,554 |
| Credit loss provision to net charge-offs | 833.3333% | 590 |
| Earnings coverage of net charge-offs (x) | 172.0833% | 599 |
| Efficiency ratio | 53.5329% | 3,981 |
| Assets per employee ($millions) | 8.4450% | 1,102 |
| Cash dividends to net income (ytd only)* | 22.4894% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,610 |
| Loan loss allowance to noncurrent loans | 56.5591% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 694 |
| Noncurrent loans to loans | 2.6269% | 253 |
| Net loans and leases to total assets | 31.7685% | 4,455 |
| Net loans and leases to deposits | 36.2351% | 4,466 |
| Net loans and leases to core deposits | 37.7073% | 4,466 |
| Total domestic deposits to total assets | 87.6732% | 2,216 |
| Equity capital to assets | 8.8865% | 3,730 |
| Core capital (leverage) ratio | 9.1725% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4818% | 700 |
| Memoranda: | ||
| Average total assets | $105,652,400 | 3,938 |
| Average earning assets | $96,979,800 | 3,941 |
| Average equity | $9,805,200 | 4,148 |
| Average total loans | $35,382,600 | 4,280 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9411% | 4,104 |
| Cost of funding earning assets | 0.5483% | 841 |
| Net interest margin | 2.3928% | 4,404 |
| Noninterest income to average assets | 2.5960% | 236 |
| Noninterest expense to average assets | 2.1971% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9372% | 519 |
| Return on assets (ROA) | 1.8989% | 582 |
| Pretax return on assets | 2.5361% | 326 |
| Return on Equity (ROE) | 20.2355% | 414 |
| Retained earnings to average equity (ytd only) | 20.2355% | 127 |
| Net charge-offs to loans | 0.0151% | 1,786 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 507.0000% | 296 |
| Efficiency ratio | 45.9488% | 4,506 |
| Assets per employee ($millions) | 8.5679% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 2,911 |
| Loan loss allowance to noncurrent loans | 47.3799% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 858 |
| Noncurrent loans to loans | 2.5680% | 284 |
| Net loans and leases to total assets | 31.6350% | 4,547 |
| Net loans and leases to deposits | 35.3640% | 4,591 |
| Net loans and leases to core deposits | 36.8454% | 4,596 |
| Total domestic deposits to total assets | 89.4553% | 1,038 |
| Equity capital to assets | 9.7555% | 3,145 |
| Core capital (leverage) ratio | 9.8946% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5383% | 744 |
| Memoranda: | ||
| Average total assets | $104,619,250 | 4,001 |
| Average earning assets | $95,564,000 | 4,005 |
| Average equity | $9,817,500 | 4,208 |
| Average total loans | $35,377,500 | 4,338 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1119% | 3,839 |
| Cost of funding earning assets | 0.5735% | 847 |
| Net interest margin | 2.5384% | 4,260 |
| Noninterest income to average assets | 0.2774% | 3,752 |
| Noninterest expense to average assets | 1.9909% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5687% | 4,050 |
| Return on assets (ROA) | 0.5705% | 4,100 |
| Pretax return on assets | 0.6233% | 4,198 |
| Return on Equity (ROE) | 6.1681% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.1681% | 2,737 |
| Net charge-offs to loans | 0.0340% | 1,308 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 1,031 |
| Efficiency ratio | 76.2154% | 1,063 |
| Assets per employee ($millions) | 8.1378% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 2,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 32.8210% | 4,568 |
| Net loans and leases to deposits | 36.1793% | 4,629 |
| Net loans and leases to core deposits | 38.5894% | 4,610 |
| Total domestic deposits to total assets | 90.7176% | 476 |
| Equity capital to assets | 8.9610% | 3,827 |
| Core capital (leverage) ratio | 8.9016% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5066% | 757 |
| Memoranda: | ||
| Average total assets | $102,364,667 | 4,045 |
| Average earning assets | $94,154,333 | 4,039 |
| Average equity | $9,468,000 | 4,265 |
| Average total loans | $35,280,000 | 4,367 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0561% | 3,975 |
| Cost of funding earning assets | 0.5990% | 877 |
| Net interest margin | 2.4571% | 4,357 |
| Noninterest income to average assets | 0.2941% | 3,641 |
| Noninterest expense to average assets | 2.0189% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4531% | 4,267 |
| Return on assets (ROA) | 0.4531% | 4,303 |
| Pretax return on assets | 0.5087% | 4,334 |
| Return on Equity (ROE) | 4.8193% | 4,129 |
| Retained earnings to average equity (ytd only) | 4.8193% | 3,283 |
| Net charge-offs to loans | 0.0340% | 1,139 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 42.6667% | 965 |
| Efficiency ratio | 79.8742% | 828 |
| Assets per employee ($millions) | 8.0628% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,742 |
| Loan loss allowance to noncurrent loans | 639.7059% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 3,913 |
| Noncurrent loans to loans | 0.1929% | 3,415 |
| Net loans and leases to total assets | 33.2246% | 4,595 |
| Net loans and leases to deposits | 36.5306% | 4,662 |
| Net loans and leases to core deposits | 39.4233% | 4,637 |
| Total domestic deposits to total assets | 90.9499% | 417 |
| Equity capital to assets | 8.7429% | 3,920 |
| Core capital (leverage) ratio | 8.9875% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4028% | 1,009 |
| Memoranda: | ||
| Average total assets | $100,651,000 | 4,067 |
| Average earning assets | $91,488,500 | 4,079 |
| Average equity | $9,462,000 | 4,278 |
| Average total loans | $35,343,000 | 4,392 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9926% | 4,641 |
| Cost of funding earning assets | 0.7220% | 1,605 |
| Net interest margin | 2.2706% | 4,735 |
| Noninterest income to average assets | 0.5101% | 2,586 |
| Noninterest expense to average assets | 2.1869% | 3,700 |
| Loan and lease loss provision to assets | 0.1950% | 2,007 |
| Net operating income to assets | 0.1291% | 4,647 |
| Return on assets (ROA) | 0.4722% | 4,172 |
| Pretax return on assets | 0.6471% | 3,983 |
| Return on Equity (ROE) | 4.5269% | 4,021 |
| Retained earnings to average equity (ytd only) | 1.2631% | 4,122 |
| Net charge-offs to loans | 0.0198% | 2,673 |
| Credit loss provision to net charge-offs | 3,083.3333% | 321 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 1,035 |
| Efficiency ratio | 84.2811% | 608 |
| Assets per employee ($millions) | 6.9050% | 1,639 |
| Cash dividends to net income (ytd only)* | 72.0982% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,767 |
| Loan loss allowance to noncurrent loans | 1,684.6154% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 4,061 |
| Noncurrent loans to loans | 0.0734% | 4,001 |
| Net loans and leases to total assets | 36.1932% | 4,584 |
| Net loans and leases to deposits | 40.5526% | 4,648 |
| Net loans and leases to core deposits | 43.6336% | 4,617 |
| Total domestic deposits to total assets | 89.2500% | 875 |
| Equity capital to assets | 10.4789% | 2,692 |
| Core capital (leverage) ratio | 9.3462% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3871% | 987 |
| Memoranda: | ||
| Average total assets | $94,884,200 | 4,057 |
| Average earning assets | $87,115,400 | 4,065 |
| Average equity | $9,896,400 | 4,205 |
| Average total loans | $30,269,200 | 4,512 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9559% | 4,763 |
| Cost of funding earning assets | 0.7497% | 1,749 |
| Net interest margin | 2.2062% | 4,818 |
| Noninterest income to average assets | 0.2781% | 3,815 |
| Noninterest expense to average assets | 2.0697% | 4,009 |
| Loan and lease loss provision to assets | 0.1059% | 2,995 |
| Net operating income to assets | 0.1101% | 4,691 |
| Return on assets (ROA) | 0.3995% | 4,333 |
| Pretax return on assets | 0.4871% | 4,304 |
| Return on Equity (ROE) | 3.8354% | 4,195 |
| Retained earnings to average equity (ytd only) | 3.8354% | 3,121 |
| Net charge-offs to loans | 0.0092% | 2,779 |
| Credit loss provision to net charge-offs | 3,750.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 887 |
| Efficiency ratio | 89.6088% | 375 |
| Assets per employee ($millions) | 7.2054% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 4,147 |
| Loan loss allowance to noncurrent loans | 1,844.4444% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 4,216 |
| Noncurrent loans to loans | 0.0474% | 4,191 |
| Net loans and leases to total assets | 37.3468% | 4,632 |
| Net loans and leases to deposits | 41.8340% | 4,701 |
| Net loans and leases to core deposits | 45.9495% | 4,664 |
| Total domestic deposits to total assets | 89.2740% | 661 |
| Equity capital to assets | 10.4653% | 2,821 |
| Core capital (leverage) ratio | 9.5078% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4330% | 548 |
| Memoranda: | ||
| Average total assets | $94,437,750 | 4,064 |
| Average earning assets | $86,965,750 | 4,070 |
| Average equity | $9,838,000 | 4,223 |
| Average total loans | $28,980,000 | 4,557 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0693% | 4,803 |
| Cost of funding earning assets | 0.7914% | 1,866 |
| Net interest margin | 2.2779% | 4,844 |
| Noninterest income to average assets | 0.3034% | 3,649 |
| Noninterest expense to average assets | 2.1519% | 3,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2153% | 4,554 |
| Return on assets (ROA) | 0.4356% | 4,217 |
| Pretax return on assets | 0.5158% | 4,223 |
| Return on Equity (ROE) | 4.1882% | 4,053 |
| Retained earnings to average equity (ytd only) | 4.1882% | 2,825 |
| Net charge-offs to loans | 0.0154% | 2,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 982 |
| Efficiency ratio | 89.4595% | 398 |
| Assets per employee ($millions) | 6.8901% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 3,830 |
| Loan loss allowance to noncurrent loans | 1,028.0000% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 3,417 |
| Noncurrent loans to loans | 0.0916% | 4,097 |
| Net loans and leases to total assets | 28.0318% | 4,889 |
| Net loans and leases to deposits | 31.5501% | 4,915 |
| Net loans and leases to core deposits | 34.1617% | 4,901 |
| Total domestic deposits to total assets | 88.8485% | 804 |
| Equity capital to assets | 10.8747% | 2,444 |
| Core capital (leverage) ratio | 9.7086% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6138% | 534 |
| Memoranda: | ||
| Average total assets | $92,291,667 | 4,092 |
| Average earning assets | $85,164,667 | 4,098 |
| Average equity | $9,598,333 | 4,264 |
| Average total loans | $25,971,333 | 4,650 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2884% | 4,821 |
| Cost of funding earning assets | 0.8412% | 2,163 |
| Net interest margin | 2.4472% | 4,851 |
| Noninterest income to average assets | 0.3725% | 3,284 |
| Noninterest expense to average assets | 2.1994% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4246% | 4,078 |
| Return on assets (ROA) | 0.6563% | 3,486 |
| Pretax return on assets | 0.6873% | 3,722 |
| Return on Equity (ROE) | 6.4682% | 3,140 |
| Retained earnings to average equity (ytd only) | 6.4682% | 1,721 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2215% | 884 |
| Assets per employee ($millions) | 6.7498% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,573 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 3,216 |
| Noncurrent loans to loans | 0.0831% | 4,181 |
| Net loans and leases to total assets | 28.4987% | 4,930 |
| Net loans and leases to deposits | 32.4543% | 4,949 |
| Net loans and leases to core deposits | 36.1347% | 4,925 |
| Total domestic deposits to total assets | 87.8117% | 1,180 |
| Equity capital to assets | 10.8367% | 3,007 |
| Core capital (leverage) ratio | 9.9575% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6656% | 465 |
| Memoranda: | ||
| Average total assets | $90,206,500 | 4,118 |
| Average earning assets | $83,687,000 | 4,112 |
| Average equity | $9,152,500 | 4,350 |
| Average total loans | $25,308,500 | 4,688 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3089% | 4,965 |
| Cost of funding earning assets | 0.7721% | 2,822 |
| Net interest margin | 2.5368% | 4,954 |
| Noninterest income to average assets | 0.3504% | 3,608 |
| Noninterest expense to average assets | 2.4656% | 3,536 |
| Loan and lease loss provision to assets | 0.0110% | 3,794 |
| Net operating income to assets | 0.1449% | 4,895 |
| Return on assets (ROA) | 0.3097% | 4,766 |
| Pretax return on assets | 0.4064% | 4,701 |
| Return on Equity (ROE) | 3.3692% | 4,601 |
| Retained earnings to average equity (ytd only) | 0.4421% | 4,563 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1971% | 287 |
| Assets per employee ($millions) | 7.1281% | 993 |
| Cash dividends to net income (ytd only)* | 86.8794% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,371 |
| Loan loss allowance to noncurrent loans | 563.0435% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 2,878 |
| Noncurrent loans to loans | 0.1815% | 3,808 |
| Net loans and leases to total assets | 27.0782% | 5,013 |
| Net loans and leases to deposits | 32.1940% | 5,020 |
| Net loans and leases to core deposits | 35.7849% | 4,995 |
| Total domestic deposits to total assets | 84.1094% | 2,817 |
| Equity capital to assets | 9.4923% | 4,358 |
| Core capital (leverage) ratio | 9.6606% | 3,893 |
| Tier 1 risk-based capital ratio | 22.9604% | 917 |
| Total risk-based capital ratio | 23.6255% | 956 |
| Memoranda: | ||
| Average total assets | $91,051,400 | 4,131 |
| Average earning assets | $83,411,800 | 4,136 |
| Average equity | $8,370,000 | 4,463 |
| Average total loans | $24,719,000 | 4,761 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3363% | 5,049 |
| Cost of funding earning assets | 0.7673% | 2,880 |
| Net interest margin | 2.5690% | 5,023 |
| Noninterest income to average assets | 0.3559% | 3,595 |
| Noninterest expense to average assets | 2.2622% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3910% | 4,736 |
| Return on assets (ROA) | 0.6148% | 4,306 |
| Pretax return on assets | 0.6942% | 4,355 |
| Return on Equity (ROE) | 6.7444% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.7444% | 1,986 |
| Net charge-offs to loans | 0.0054% | 3,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 301.7444% | 312 |
| Efficiency ratio | 83.6324% | 640 |
| Assets per employee ($millions) | 7.1910% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 3,713 |
| Loan loss allowance to noncurrent loans | 393.6508% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 2,146 |
| Noncurrent loans to loans | 0.2474% | 3,658 |
| Net loans and leases to total assets | 26.9792% | 5,101 |
| Net loans and leases to deposits | 29.9082% | 5,126 |
| Net loans and leases to core deposits | 31.9152% | 5,119 |
| Total domestic deposits to total assets | 90.2068% | 238 |
| Equity capital to assets | 9.5151% | 4,436 |
| Core capital (leverage) ratio | 10.2118% | 3,411 |
| Tier 1 risk-based capital ratio | 21.7784% | 1,099 |
| Total risk-based capital ratio | 22.3584% | 1,162 |
| Memoranda: | ||
| Average total assets | $90,648,000 | 4,187 |
| Average earning assets | $82,884,500 | 4,193 |
| Average equity | $8,263,500 | 4,529 |
| Average total loans | $24,561,000 | 4,834 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3444% | 5,110 |
| Cost of funding earning assets | 0.7836% | 2,721 |
| Net interest margin | 2.5608% | 5,096 |
| Noninterest income to average assets | 0.3567% | 3,544 |
| Noninterest expense to average assets | 2.2764% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3781% | 4,765 |
| Return on assets (ROA) | 0.4905% | 4,576 |
| Pretax return on assets | 0.5440% | 4,640 |
| Return on Equity (ROE) | 5.4638% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.4638% | 2,536 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4500% | 622 |
| Assets per employee ($millions) | 7.3593% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 3,651 |
| Loan loss allowance to noncurrent loans | 28.8528% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.5423% | 713 |
| Noncurrent loans to loans | 3.4530% | 245 |
| Net loans and leases to total assets | 28.0192% | 5,122 |
| Net loans and leases to deposits | 31.1775% | 5,160 |
| Net loans and leases to core deposits | 32.5168% | 5,161 |
| Total domestic deposits to total assets | 89.8699% | 372 |
| Equity capital to assets | 9.9365% | 4,025 |
| Core capital (leverage) ratio | 10.1684% | 3,418 |
| Tier 1 risk-based capital ratio | 24.1092% | 837 |
| Total risk-based capital ratio | 24.7679% | 869 |
| Memoranda: | ||
| Average total assets | $89,703,000 | 4,227 |
| Average earning assets | $81,928,670 | 4,237 |
| Average equity | $8,053,000 | 4,575 |
| Average total loans | $24,258,330 | 4,880 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3715% | 5,137 |
| Cost of funding earning assets | 0.7762% | 2,658 |
| Net interest margin | 2.5953% | 5,141 |
| Noninterest income to average assets | 0.3850% | 3,294 |
| Noninterest expense to average assets | 2.2345% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4646% | 4,612 |
| Return on assets (ROA) | 0.5443% | 4,422 |
| Pretax return on assets | 0.6062% | 4,502 |
| Return on Equity (ROE) | 6.3963% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.3963% | 2,280 |
| Net charge-offs to loans | -0.0502% | 4,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1897% | 952 |
| Assets per employee ($millions) | 6.9058% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,515 |
| Loan loss allowance to noncurrent loans | 327.2727% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.8365% | 1,696 |
| Noncurrent loans to loans | 0.3153% | 3,436 |
| Net loans and leases to total assets | 26.9229% | 5,196 |
| Net loans and leases to deposits | 29.9041% | 5,223 |
| Net loans and leases to core deposits | 31.2747% | 5,224 |
| Total domestic deposits to total assets | 90.0306% | 434 |
| Equity capital to assets | 8.9568% | 4,715 |
| Core capital (leverage) ratio | 9.8994% | 3,715 |
| Tier 1 risk-based capital ratio | 23.8994% | 850 |
| Total risk-based capital ratio | 24.5673% | 882 |
| Memoranda: | ||
| Average total assets | $90,399,000 | 4,258 |
| Average earning assets | $82,455,500 | 4,272 |
| Average equity | $7,692,000 | 4,660 |
| Average total loans | $23,891,000 | 4,945 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2213% | 5,133 |
| Cost of funding earning assets | 0.6106% | 2,641 |
| Net interest margin | 2.6107% | 5,152 |
| Noninterest income to average assets | 0.4005% | 3,441 |
| Noninterest expense to average assets | 2.3452% | 4,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3522% | 4,939 |
| Return on assets (ROA) | 0.3765% | 4,893 |
| Pretax return on assets | 0.4680% | 4,844 |
| Return on Equity (ROE) | 4.5633% | 4,573 |
| Retained earnings to average equity (ytd only) | 0.3825% | 4,882 |
| Net charge-offs to loans | -0.0256% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2785% | 638 |
| Assets per employee ($millions) | 7.5853% | 768 |
| Cash dividends to net income (ytd only)* | 91.6185% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 3,292 |
| Loan loss allowance to noncurrent loans | 415.0000% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 1,700 |
| Noncurrent loans to loans | 0.2568% | 3,660 |
| Net loans and leases to total assets | 25.3903% | 5,262 |
| Net loans and leases to deposits | 29.0661% | 5,281 |
| Net loans and leases to core deposits | 30.4156% | 5,272 |
| Total domestic deposits to total assets | 87.3537% | 1,612 |
| Equity capital to assets | 8.0672% | 5,136 |
| Core capital (leverage) ratio | 9.6945% | 3,907 |
| Tier 1 risk-based capital ratio | 23.9145% | 833 |
| Total risk-based capital ratio | 24.5839% | 855 |
| Memoranda: | ||
| Average total assets | $91,889,200 | 4,236 |
| Average earning assets | $83,848,400 | 4,253 |
| Average equity | $7,582,200 | 4,666 |
| Average total loans | $23,408,000 | 4,987 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1553% | 5,220 |
| Cost of funding earning assets | 0.5781% | 2,644 |
| Net interest margin | 2.5771% | 5,234 |
| Noninterest income to average assets | 0.4169% | 3,375 |
| Noninterest expense to average assets | 2.1207% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5614% | 4,615 |
| Return on assets (ROA) | 0.5689% | 4,595 |
| Pretax return on assets | 0.6601% | 4,622 |
| Return on Equity (ROE) | 6.8567% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.8567% | 2,203 |
| Net charge-offs to loans | -0.0342% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5013% | 1,288 |
| Assets per employee ($millions) | 7.6873% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,458 |
| Loan loss allowance to noncurrent loans | 1,245.0000% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 1,580 |
| Noncurrent loans to loans | 0.0844% | 4,502 |
| Net loans and leases to total assets | 25.4220% | 5,330 |
| Net loans and leases to deposits | 28.0337% | 5,362 |
| Net loans and leases to core deposits | 29.1766% | 5,356 |
| Total domestic deposits to total assets | 90.6837% | 297 |
| Equity capital to assets | 8.0848% | 5,144 |
| Core capital (leverage) ratio | 10.0747% | 3,555 |
| Tier 1 risk-based capital ratio | 24.4225% | 802 |
| Total risk-based capital ratio | 24.4225% | 895 |
| Memoranda: | ||
| Average total assets | $92,105,750 | 4,279 |
| Average earning assets | $84,173,750 | 4,295 |
| Average equity | $7,642,000 | 4,707 |
| Average total loans | $23,420,000 | 5,048 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1757% | 5,250 |
| Cost of funding earning assets | 0.5713% | 2,422 |
| Net interest margin | 2.6044% | 5,272 |
| Noninterest income to average assets | 0.3563% | 3,776 |
| Noninterest expense to average assets | 2.1160% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5271% | 4,686 |
| Return on assets (ROA) | 0.5344% | 4,677 |
| Pretax return on assets | 0.6257% | 4,691 |
| Return on Equity (ROE) | 6.3868% | 4,106 |
| Retained earnings to average equity (ytd only) | 6.3868% | 2,366 |
| Net charge-offs to loans | -0.0600% | 4,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4245% | 1,257 |
| Assets per employee ($millions) | 7.6853% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 3,415 |
| Loan loss allowance to noncurrent loans | 555.5556% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9585% | 1,570 |
| Noncurrent loans to loans | 0.1931% | 4,036 |
| Net loans and leases to total assets | 24.9959% | 5,399 |
| Net loans and leases to deposits | 27.6019% | 5,420 |
| Net loans and leases to core deposits | 28.7252% | 5,415 |
| Total domestic deposits to total assets | 90.5588% | 383 |
| Equity capital to assets | 8.0403% | 5,212 |
| Core capital (leverage) ratio | 9.8979% | 3,684 |
| Tier 1 risk-based capital ratio | 25.0722% | 727 |
| Total risk-based capital ratio | 25.7600% | 763 |
| Memoranda: | ||
| Average total assets | $92,058,670 | 4,317 |
| Average earning assets | $84,013,000 | 4,331 |
| Average equity | $7,703,330 | 4,746 |
| Average total loans | $23,326,670 | 5,110 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0921% | 5,318 |
| Cost of funding earning assets | 0.5476% | 2,423 |
| Net interest margin | 2.5445% | 5,360 |
| Noninterest income to average assets | 0.3784% | 3,599 |
| Noninterest expense to average assets | 2.1614% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4711% | 4,762 |
| Return on assets (ROA) | 0.4784% | 4,747 |
| Pretax return on assets | 0.5697% | 4,752 |
| Return on Equity (ROE) | 5.6069% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.6069% | 2,896 |
| Net charge-offs to loans | -0.2057% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3930% | 1,209 |
| Assets per employee ($millions) | 5.7922% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 3,403 |
| Loan loss allowance to noncurrent loans | 637.5000% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.9485% | 1,667 |
| Noncurrent loans to loans | 0.1721% | 4,207 |
| Net loans and leases to total assets | 24.8050% | 5,452 |
| Net loans and leases to deposits | 27.0428% | 5,480 |
| Net loans and leases to core deposits | 29.2625% | 5,469 |
| Total domestic deposits to total assets | 91.7248% | 145 |
| Equity capital to assets | 8.1036% | 5,230 |
| Core capital (leverage) ratio | 9.7075% | 3,837 |
| Tier 1 risk-based capital ratio | 23.7877% | 855 |
| Total risk-based capital ratio | 24.4634% | 895 |
| Memoranda: | ||
| Average total assets | $91,976,500 | 4,370 |
| Average earning assets | $84,732,000 | 4,365 |
| Average equity | $7,847,500 | 4,769 |
| Average total loans | $23,339,000 | 5,164 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1729% | 5,221 |
| Cost of funding earning assets | 0.5375% | 2,053 |
| Net interest margin | 2.6354% | 5,329 |
| Noninterest income to average assets | 0.3316% | 4,100 |
| Noninterest expense to average assets | 2.2791% | 4,391 |
| Loan and lease loss provision to assets | 0.1138% | 1,997 |
| Net operating income to assets | 0.1872% | 5,136 |
| Return on assets (ROA) | 0.2330% | 5,057 |
| Pretax return on assets | 0.4281% | 5,048 |
| Return on Equity (ROE) | 2.5480% | 4,936 |
| Retained earnings to average equity (ytd only) | -0.9481% | 5,180 |
| Net charge-offs to loans | 0.0293% | 3,220 |
| Credit loss provision to net charge-offs | 1,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 934 |
| Efficiency ratio | 82.8932% | 861 |
| Assets per employee ($millions) | 5.3693% | 2,085 |
| Cash dividends to net income (ytd only)* | 137.2093% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,701 |
| Loan loss allowance to noncurrent loans | 276.1364% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 1.0156% | 1,511 |
| Noncurrent loans to loans | 0.3755% | 3,412 |
| Net loans and leases to total assets | 25.4081% | 5,512 |
| Net loans and leases to deposits | 29.0328% | 5,529 |
| Net loans and leases to core deposits | 31.5744% | 5,511 |
| Total domestic deposits to total assets | 87.5151% | 1,756 |
| Equity capital to assets | 8.9671% | 4,754 |
| Core capital (leverage) ratio | 9.5705% | 3,947 |
| Tier 1 risk-based capital ratio | 23.3201% | 880 |
| Total risk-based capital ratio | 23.9592% | 924 |
| Memoranda: | ||
| Average total assets | $92,274,600 | 4,387 |
| Average earning assets | $84,653,800 | 4,385 |
| Average equity | $8,438,000 | 4,712 |
| Average total loans | $23,861,800 | 5,198 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1584% | 5,283 |
| Cost of funding earning assets | 0.5335% | 2,002 |
| Net interest margin | 2.6249% | 5,386 |
| Noninterest income to average assets | 0.3257% | 4,208 |
| Noninterest expense to average assets | 2.1990% | 4,524 |
| Loan and lease loss provision to assets | 0.1513% | 1,372 |
| Net operating income to assets | 0.3466% | 5,122 |
| Return on assets (ROA) | 0.3545% | 5,116 |
| Pretax return on assets | 0.3876% | 5,205 |
| Return on Equity (ROE) | 3.8581% | 4,897 |
| Retained earnings to average equity (ytd only) | 3.8581% | 3,629 |
| Net charge-offs to loans | 0.0445% | 2,549 |
| Credit loss provision to net charge-offs | 1,312.5000% | 278 |
| Earnings coverage of net charge-offs (x) | 45.9841% | 1,181 |
| Efficiency ratio | 80.5702% | 1,039 |
| Assets per employee ($millions) | 5.6849% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 4,083 |
| Loan loss allowance to noncurrent loans | 366.6667% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9364% | 1,825 |
| Noncurrent loans to loans | 0.2719% | 3,982 |
| Net loans and leases to total assets | 24.8686% | 5,592 |
| Net loans and leases to deposits | 27.4323% | 5,616 |
| Net loans and leases to core deposits | 29.5019% | 5,609 |
| Total domestic deposits to total assets | 90.6544% | 273 |
| Equity capital to assets | 9.1304% | 4,798 |
| Core capital (leverage) ratio | 9.6631% | 3,974 |
| Tier 1 risk-based capital ratio | 23.2338% | 926 |
| Total risk-based capital ratio | 23.8530% | 969 |
| Memoranda: | ||
| Average total assets | $92,523,750 | 4,418 |
| Average earning assets | $84,723,750 | 4,425 |
| Average equity | $8,501,250 | 4,749 |
| Average total loans | $23,968,500 | 5,244 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2280% | 5,202 |
| Cost of funding earning assets | 0.5332% | 1,890 |
| Net interest margin | 2.6947% | 5,364 |
| Noninterest income to average assets | 0.3335% | 4,160 |
| Noninterest expense to average assets | 2.4706% | 3,846 |
| Loan and lease loss provision to assets | -0.0219% | 5,566 |
| Net operating income to assets | 0.3365% | 5,134 |
| Return on assets (ROA) | 0.3445% | 5,133 |
| Pretax return on assets | 0.3774% | 5,217 |
| Return on Equity (ROE) | 3.7409% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.7409% | 3,472 |
| Net charge-offs to loans | 0.0838% | 1,773 |
| Credit loss provision to net charge-offs | -100.0000% | 4,346 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 2,010 |
| Efficiency ratio | 87.6947% | 565 |
| Assets per employee ($millions) | 5.4759% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5945% | 5,389 |
| Loan loss allowance to noncurrent loans | 42.7326% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.2708% | 1,310 |
| Noncurrent loans to loans | 1.3912% | 1,385 |
| Net loans and leases to total assets | 26.4043% | 5,603 |
| Net loans and leases to deposits | 29.2163% | 5,639 |
| Net loans and leases to core deposits | 31.6231% | 5,631 |
| Total domestic deposits to total assets | 90.3750% | 402 |
| Equity capital to assets | 9.4714% | 4,429 |
| Core capital (leverage) ratio | 10.0611% | 3,453 |
| Tier 1 risk-based capital ratio | 23.7056% | 881 |
| Total risk-based capital ratio | 24.0794% | 948 |
| Memoranda: | ||
| Average total assets | $91,150,330 | 4,477 |
| Average earning assets | $84,015,330 | 4,465 |
| Average equity | $8,393,670 | 4,785 |
| Average total loans | $23,866,000 | 5,288 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2152% | 5,220 |
| Cost of funding earning assets | 0.5223% | 1,922 |
| Net interest margin | 2.6929% | 5,403 |
| Noninterest income to average assets | 0.3593% | 3,963 |
| Noninterest expense to average assets | 2.2178% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4649% | 4,724 |
| Return on assets (ROA) | 0.4746% | 4,717 |
| Pretax return on assets | 0.6476% | 4,606 |
| Return on Equity (ROE) | 5.2310% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.2310% | 2,768 |
| Net charge-offs to loans | 0.0853% | 1,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 28.6000% | 1,249 |
| Efficiency ratio | 77.7605% | 1,664 |
| Assets per employee ($millions) | 5.4264% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5804% | 5,514 |
| Loan loss allowance to noncurrent loans | 40.5797% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.2846% | 1,326 |
| Noncurrent loans to loans | 1.4302% | 1,412 |
| Net loans and leases to total assets | 25.9970% | 5,668 |
| Net loans and leases to deposits | 28.6794% | 5,695 |
| Net loans and leases to core deposits | 31.0503% | 5,679 |
| Total domestic deposits to total assets | 90.6471% | 409 |
| Equity capital to assets | 8.9855% | 4,817 |
| Core capital (leverage) ratio | 9.7136% | 3,857 |
| Tier 1 risk-based capital ratio | 22.9003% | 989 |
| Total risk-based capital ratio | 23.2615% | 1,065 |
| Memoranda: | ||
| Average total assets | $90,180,000 | 4,538 |
| Average earning assets | $83,479,000 | 4,517 |
| Average equity | $8,182,000 | 4,865 |
| Average total loans | $23,435,500 | 5,353 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2584% | 5,224 |
| Cost of funding earning assets | 0.5733% | 1,523 |
| Net interest margin | 2.6851% | 5,435 |
| Noninterest income to average assets | 0.3084% | 4,529 |
| Noninterest expense to average assets | 2.4413% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2187% | 5,383 |
| Return on assets (ROA) | 0.3903% | 5,059 |
| Pretax return on assets | 0.4317% | 5,155 |
| Return on Equity (ROE) | 3.9021% | 4,869 |
| Retained earnings to average equity (ytd only) | 0.9419% | 4,945 |
| Net charge-offs to loans | 0.0362% | 3,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 26.8750% | 1,535 |
| Efficiency ratio | 91.0117% | 501 |
| Assets per employee ($millions) | 5.1830% | 2,204 |
| Cash dividends to net income (ytd only)* | 75.8621% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6374% | 5,470 |
| Loan loss allowance to noncurrent loans | 38.6667% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 1.3880% | 1,237 |
| Noncurrent loans to loans | 1.6484% | 1,179 |
| Net loans and leases to total assets | 25.6540% | 5,736 |
| Net loans and leases to deposits | 28.2744% | 5,757 |
| Net loans and leases to core deposits | 31.0367% | 5,742 |
| Total domestic deposits to total assets | 90.7321% | 376 |
| Equity capital to assets | 9.1646% | 4,628 |
| Core capital (leverage) ratio | 9.7752% | 3,776 |
| Tier 1 risk-based capital ratio | 23.5795% | 909 |
| Total risk-based capital ratio | 23.9665% | 977 |
| Memoranda: | ||
| Average total assets | $89,172,400 | 4,559 |
| Average earning assets | $78,842,400 | 4,612 |
| Average equity | $8,918,200 | 4,778 |
| Average total loans | $22,126,800 | 5,441 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2636% | 5,259 |
| Cost of funding earning assets | 0.5737% | 1,523 |
| Net interest margin | 2.6898% | 5,503 |
| Noninterest income to average assets | 0.2445% | 5,011 |
| Noninterest expense to average assets | 2.3271% | 4,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2728% | 5,340 |
| Return on assets (ROA) | 0.4830% | 4,844 |
| Pretax return on assets | 0.4830% | 5,162 |
| Return on Equity (ROE) | 4.7321% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.7321% | 2,990 |
| Net charge-offs to loans | 0.0486% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 22.8669% | 1,734 |
| Efficiency ratio | 89.5069% | 592 |
| Assets per employee ($millions) | 5.4136% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 5,528 |
| Loan loss allowance to noncurrent loans | 36.9898% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 1.3821% | 1,353 |
| Noncurrent loans to loans | 1.7569% | 1,184 |
| Net loans and leases to total assets | 24.0862% | 5,822 |
| Net loans and leases to deposits | 26.9017% | 5,841 |
| Net loans and leases to core deposits | 29.3350% | 5,832 |
| Total domestic deposits to total assets | 89.5341% | 657 |
| Equity capital to assets | 10.2062% | 3,905 |
| Core capital (leverage) ratio | 10.0531% | 3,499 |
| Tier 1 risk-based capital ratio | 24.1697% | 891 |
| Total risk-based capital ratio | 24.5559% | 950 |
| Memoranda: | ||
| Average total assets | $89,437,750 | 4,591 |
| Average earning assets | $78,317,500 | 4,655 |
| Average equity | $9,129,000 | 4,782 |
| Average total loans | $21,971,250 | 5,502 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3195% | 5,247 |
| Cost of funding earning assets | 0.5776% | 1,483 |
| Net interest margin | 2.7419% | 5,517 |
| Noninterest income to average assets | 0.2371% | 5,066 |
| Noninterest expense to average assets | 2.4974% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1513% | 5,610 |
| Return on assets (ROA) | 0.3206% | 5,347 |
| Pretax return on assets | 0.3206% | 5,468 |
| Return on Equity (ROE) | 3.1412% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.1412% | 3,902 |
| Net charge-offs to loans | 0.0915% | 1,932 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.7000% | 2,713 |
| Efficiency ratio | 94.2882% | 404 |
| Assets per employee ($millions) | 5.2818% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6355% | 5,637 |
| Loan loss allowance to noncurrent loans | 35.3960% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.3621% | 1,451 |
| Noncurrent loans to loans | 1.7955% | 1,150 |
| Net loans and leases to total assets | 24.9000% | 5,885 |
| Net loans and leases to deposits | 27.8834% | 5,908 |
| Net loans and leases to core deposits | 30.4916% | 5,886 |
| Total domestic deposits to total assets | 89.3007% | 764 |
| Equity capital to assets | 10.4186% | 3,718 |
| Core capital (leverage) ratio | 9.9673% | 3,602 |
| Tier 1 risk-based capital ratio | 22.9827% | 1,020 |
| Total risk-based capital ratio | 23.3523% | 1,109 |
| Memoranda: | ||
| Average total assets | $88,573,000 | 4,647 |
| Average earning assets | $77,902,330 | 4,703 |
| Average equity | $9,041,000 | 4,831 |
| Average total loans | $21,857,670 | 5,564 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3330% | 5,255 |
| Cost of funding earning assets | 0.5787% | 1,487 |
| Net interest margin | 2.7542% | 5,537 |
| Noninterest income to average assets | 0.2546% | 4,919 |
| Noninterest expense to average assets | 2.5329% | 3,971 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1455% | 5,617 |
| Return on assets (ROA) | 0.4820% | 4,801 |
| Pretax return on assets | 0.4820% | 5,136 |
| Return on Equity (ROE) | 4.7726% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.7726% | 3,081 |
| Net charge-offs to loans | -0.1114% | 5,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5671% | 429 |
| Assets per employee ($millions) | 5.9591% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7294% | 5,543 |
| Loan loss allowance to noncurrent loans | 407.6923% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.9610% | 2,305 |
| Noncurrent loans to loans | 0.1789% | 4,767 |
| Net loans and leases to total assets | 24.2096% | 5,940 |
| Net loans and leases to deposits | 26.9869% | 5,963 |
| Net loans and leases to core deposits | 29.5774% | 5,949 |
| Total domestic deposits to total assets | 89.7087% | 730 |
| Equity capital to assets | 10.1381% | 3,909 |
| Core capital (leverage) ratio | 9.9058% | 3,654 |
| Tier 1 risk-based capital ratio | 23.2789% | 988 |
| Total risk-based capital ratio | 23.6969% | 1,069 |
| Memoranda: | ||
| Average total assets | $87,964,000 | 4,696 |
| Average earning assets | $77,408,500 | 4,761 |
| Average equity | $8,884,000 | 4,893 |
| Average total loans | $21,536,000 | 5,627 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4106% | 5,131 |
| Cost of funding earning assets | 0.5979% | 1,366 |
| Net interest margin | 2.8127% | 5,485 |
| Noninterest income to average assets | 0.3296% | 4,542 |
| Noninterest expense to average assets | 2.5502% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2989% | 5,365 |
| Return on assets (ROA) | 0.3472% | 5,313 |
| Pretax return on assets | 0.2780% | 5,564 |
| Return on Equity (ROE) | 3.6459% | 5,087 |
| Retained earnings to average equity (ytd only) | 1.8345% | 4,678 |
| Net charge-offs to loans | 0.1204% | 2,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 8.3600% | 2,963 |
| Efficiency ratio | 91.7391% | 584 |
| Assets per employee ($millions) | 5.4089% | 1,897 |
| Cash dividends to net income (ytd only)* | 49.6835% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7192% | 5,600 |
| Loan loss allowance to noncurrent loans | 425.0000% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.9891% | 2,224 |
| Noncurrent loans to loans | 0.1692% | 4,811 |
| Net loans and leases to total assets | 24.4043% | 5,997 |
| Net loans and leases to deposits | 27.1605% | 6,021 |
| Net loans and leases to core deposits | 29.9540% | 6,005 |
| Total domestic deposits to total assets | 89.8523% | 693 |
| Equity capital to assets | 10.0599% | 3,893 |
| Core capital (leverage) ratio | 9.9451% | 3,584 |
| Tier 1 risk-based capital ratio | 22.6402% | 1,060 |
| Total risk-based capital ratio | 23.0361% | 1,156 |
| Memoranda: | ||
| Average total assets | $91,012,600 | 4,649 |
| Average earning assets | $79,283,200 | 4,734 |
| Average equity | $8,667,200 | 4,918 |
| Average total loans | $20,765,200 | 5,690 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4004% | 5,202 |
| Cost of funding earning assets | 0.6039% | 1,382 |
| Net interest margin | 2.7964% | 5,582 |
| Noninterest income to average assets | 0.4124% | 3,996 |
| Noninterest expense to average assets | 2.3879% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4371% | 5,020 |
| Return on assets (ROA) | 0.4371% | 5,119 |
| Pretax return on assets | 0.4371% | 5,382 |
| Return on Equity (ROE) | 4.6510% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.6510% | 3,168 |
| Net charge-offs to loans | 0.1163% | 1,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 16.7775% | 2,093 |
| Efficiency ratio | 84.5287% | 1,121 |
| Assets per employee ($millions) | 5.7281% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7628% | 5,606 |
| Loan loss allowance to noncurrent loans | 530.0000% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 2,544 |
| Noncurrent loans to loans | 0.1439% | 5,065 |
| Net loans and leases to total assets | 22.5709% | 6,112 |
| Net loans and leases to deposits | 25.0363% | 6,133 |
| Net loans and leases to core deposits | 27.3541% | 6,121 |
| Total domestic deposits to total assets | 90.1526% | 512 |
| Equity capital to assets | 9.6400% | 4,587 |
| Core capital (leverage) ratio | 9.9619% | 3,688 |
| Tier 1 risk-based capital ratio | 22.7224% | 1,095 |
| Total risk-based capital ratio | 23.1286% | 1,191 |
| Memoranda: | ||
| Average total assets | $92,130,250 | 4,677 |
| Average earning assets | $79,480,000 | 4,791 |
| Average equity | $8,657,500 | 4,985 |
| Average total loans | $20,638,250 | 5,764 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4463% | 5,117 |
| Cost of funding earning assets | 0.6000% | 1,418 |
| Net interest margin | 2.8463% | 5,534 |
| Noninterest income to average assets | 0.3944% | 4,118 |
| Noninterest expense to average assets | 2.3556% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4638% | 4,927 |
| Return on assets (ROA) | 0.5461% | 4,683 |
| Pretax return on assets | 0.5721% | 5,042 |
| Return on Equity (ROE) | 5.8616% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.8616% | 2,321 |
| Net charge-offs to loans | 0.0194% | 3,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 560 |
| Efficiency ratio | 82.9138% | 1,384 |
| Assets per employee ($millions) | 4.6871% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 5,456 |
| Loan loss allowance to noncurrent loans | 293.3333% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.9870% | 2,552 |
| Noncurrent loans to loans | 0.2909% | 4,642 |
| Net loans and leases to total assets | 22.9656% | 6,175 |
| Net loans and leases to deposits | 25.4670% | 6,205 |
| Net loans and leases to core deposits | 27.8911% | 6,182 |
| Total domestic deposits to total assets | 90.1780% | 587 |
| Equity capital to assets | 9.6278% | 4,496 |
| Core capital (leverage) ratio | 9.8530% | 3,796 |
| Tier 1 risk-based capital ratio | 22.6726% | 1,117 |
| Total risk-based capital ratio | 23.1239% | 1,208 |
| Memoranda: | ||
| Average total assets | $92,290,670 | 4,718 |
| Average earning assets | $79,331,000 | 4,841 |
| Average equity | $8,598,330 | 5,037 |
| Average total loans | $20,569,330 | 5,823 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 4,806 |
| Cost of funding earning assets | 0.6132% | 1,345 |
| Net interest margin | 2.9446% | 5,360 |
| Noninterest income to average assets | 0.5367% | 3,045 |
| Noninterest expense to average assets | 2.2405% | 5,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7282% | 3,653 |
| Return on assets (ROA) | 0.8860% | 2,940 |
| Pretax return on assets | 0.9371% | 3,756 |
| Return on Equity (ROE) | 9.6626% | 2,148 |
| Retained earnings to average equity (ytd only) | 9.6626% | 1,002 |
| Net charge-offs to loans | 0.0195% | 2,768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 307 |
| Efficiency ratio | 74.3989% | 2,743 |
| Assets per employee ($millions) | 5.5044% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 5,530 |
| Loan loss allowance to noncurrent loans | 114.2857% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.0409% | 2,537 |
| Noncurrent loans to loans | 0.7579% | 3,358 |
| Net loans and leases to total assets | 21.5271% | 6,252 |
| Net loans and leases to deposits | 23.8509% | 6,274 |
| Net loans and leases to core deposits | 25.9949% | 6,259 |
| Total domestic deposits to total assets | 90.2570% | 627 |
| Equity capital to assets | 9.5015% | 4,752 |
| Core capital (leverage) ratio | 8.3838% | 5,653 |
| Tier 1 risk-based capital ratio | 19.8307% | 1,667 |
| Total risk-based capital ratio | 20.2741% | 1,823 |
| Memoranda: | ||
| Average total assets | $93,908,500 | 4,721 |
| Average earning assets | $78,924,500 | 4,892 |
| Average equity | $8,610,500 | 5,077 |
| Average total loans | $20,540,000 | 5,875 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 5,544 |
| Cost of funding earning assets | 0.7857% | 698 |
| Net interest margin | 2.6067% | 6,060 |
| Noninterest income to average assets | 0.2867% | 5,073 |
| Noninterest expense to average assets | 2.7204% | 3,788 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0843% | 5,975 |
| Return on assets (ROA) | 0.0278% | 6,078 |
| Pretax return on assets | -0.2212% | 6,203 |
| Return on Equity (ROE) | 0.3756% | 6,060 |
| Retained earnings to average equity (ytd only) | -1.9717% | 6,009 |
| Net charge-offs to loans | 0.1110% | 2,928 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -5.8261% | 4,895 |
| Efficiency ratio | 105.1380% | 273 |
| Assets per employee ($millions) | 5.5436% | 1,734 |
| Cash dividends to net income (ytd only)* | 625.0000% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 5,614 |
| Loan loss allowance to noncurrent loans | 301.6949% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 2,730 |
| Noncurrent loans to loans | 0.2842% | 4,831 |
| Net loans and leases to total assets | 21.8395% | 6,346 |
| Net loans and leases to deposits | 23.9967% | 6,371 |
| Net loans and leases to core deposits | 26.1133% | 6,355 |
| Total domestic deposits to total assets | 91.0104% | 361 |
| Equity capital to assets | 8.8389% | 5,439 |
| Core capital (leverage) ratio | 9.2017% | 4,680 |
| Tier 1 risk-based capital ratio | 20.7453% | 1,456 |
| Total risk-based capital ratio | 21.1752% | 1,581 |
| Memoranda: | ||
| Average total assets | $100,792,600 | 4,581 |
| Average earning assets | $88,961,800 | 4,677 |
| Average equity | $7,455,400 | 5,313 |
| Average total loans | $20,726,000 | 5,932 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3699% | 5,640 |
| Cost of funding earning assets | 0.8280% | 600 |
| Net interest margin | 2.5420% | 6,194 |
| Noninterest income to average assets | 0.2981% | 5,070 |
| Noninterest expense to average assets | 2.6632% | 3,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0911% | 6,214 |
| Return on assets (ROA) | -0.0989% | 6,224 |
| Pretax return on assets | -0.0950% | 6,201 |
| Return on Equity (ROE) | -1.4002% | 6,253 |
| Retained earnings to average equity (ytd only) | -4.6245% | 6,240 |
| Net charge-offs to loans | 0.1416% | 2,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -3.0457% | 4,593 |
| Efficiency ratio | 103.3855% | 305 |
| Assets per employee ($millions) | 6.3191% | 1,137 |
| Cash dividends to net income (ytd only)* | -230.2674% | 6,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 5,739 |
| Loan loss allowance to noncurrent loans | 201.1236% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.1004% | 2,749 |
| Noncurrent loans to loans | 0.4238% | 4,635 |
| Net loans and leases to total assets | 21.9671% | 6,421 |
| Net loans and leases to deposits | 24.0314% | 6,448 |
| Net loans and leases to core deposits | 26.1317% | 6,432 |
| Total domestic deposits to total assets | 91.4102% | 255 |
| Equity capital to assets | 8.2575% | 5,974 |
| Core capital (leverage) ratio | 8.5987% | 5,553 |
| Tier 1 risk-based capital ratio | 20.1899% | 1,625 |
| Total risk-based capital ratio | 20.6157% | 1,786 |
| Memoranda: | ||
| Average total assets | $102,430,250 | 4,587 |
| Average earning assets | $91,790,500 | 4,649 |
| Average equity | $7,236,750 | 5,407 |
| Average total loans | $20,717,500 | 5,992 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3360% | 5,746 |
| Cost of funding earning assets | 0.8991% | 434 |
| Net interest margin | 2.4369% | 6,328 |
| Noninterest income to average assets | 0.2686% | 5,285 |
| Noninterest expense to average assets | 2.7491% | 3,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3124% | 6,377 |
| Return on assets (ROA) | -0.3258% | 6,389 |
| Pretax return on assets | -0.3201% | 6,371 |
| Return on Equity (ROE) | -4.8580% | 6,433 |
| Retained earnings to average equity (ytd only) | -9.8295% | 6,415 |
| Net charge-offs to loans | 0.1261% | 2,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -12.3846% | 4,322 |
| Efficiency ratio | 112.5585% | 202 |
| Assets per employee ($millions) | 6.0293% | 1,260 |
| Cash dividends to net income (ytd only)* | -102.3392% | 6,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 5,726 |
| Loan loss allowance to noncurrent loans | 34.3013% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 1.6693% | 1,943 |
| Noncurrent loans to loans | 2.6214% | 1,164 |
| Net loans and leases to total assets | 20.3223% | 6,502 |
| Net loans and leases to deposits | 22.0127% | 6,535 |
| Net loans and leases to core deposits | 24.9838% | 6,507 |
| Total domestic deposits to total assets | 92.3208% | 133 |
| Equity capital to assets | 7.4431% | 6,362 |
| Core capital (leverage) ratio | 8.2155% | 5,914 |
| Tier 1 risk-based capital ratio | 18.9644% | 1,933 |
| Total risk-based capital ratio | 19.3916% | 2,159 |
| Memoranda: | ||
| Average total assets | $104,978,000 | 4,555 |
| Average earning assets | $93,645,000 | 4,644 |
| Average equity | $7,040,000 | 5,479 |
| Average total loans | $20,623,000 | 6,051 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4049% | 5,634 |
| Cost of funding earning assets | 0.9233% | 402 |
| Net interest margin | 2.4816% | 6,346 |
| Noninterest income to average assets | 0.2975% | 4,980 |
| Noninterest expense to average assets | 2.6813% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1469% | 6,317 |
| Return on assets (ROA) | -0.1469% | 6,324 |
| Pretax return on assets | -0.1469% | 6,313 |
| Return on Equity (ROE) | -2.3127% | 6,368 |
| Retained earnings to average equity (ytd only) | -2.3127% | 5,887 |
| Net charge-offs to loans | -0.0783% | 6,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7949% | 341 |
| Assets per employee ($millions) | 6.1968% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 5,502 |
| Loan loss allowance to noncurrent loans | 34.1667% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 1.8862% | 1,827 |
| Noncurrent loans to loans | 2.9429% | 1,094 |
| Net loans and leases to total assets | 19.1590% | 6,589 |
| Net loans and leases to deposits | 20.6164% | 6,614 |
| Net loans and leases to core deposits | 23.2848% | 6,592 |
| Total domestic deposits to total assets | 92.9308% | 121 |
| Equity capital to assets | 6.8432% | 6,481 |
| Core capital (leverage) ratio | 8.0108% | 6,110 |
| Tier 1 risk-based capital ratio | 19.0238% | 1,960 |
| Total risk-based capital ratio | 19.4721% | 2,165 |
| Memoranda: | ||
| Average total assets | $106,218,000 | 4,582 |
| Average earning assets | $95,744,000 | 4,636 |
| Average equity | $6,745,500 | 5,580 |
| Average total loans | $20,425,000 | 6,119 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4992% | 5,649 |
| Cost of funding earning assets | 0.9656% | 537 |
| Net interest margin | 2.5336% | 6,342 |
| Noninterest income to average assets | 0.2406% | 5,623 |
| Noninterest expense to average assets | 2.2523% | 5,499 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3034% | 5,509 |
| Return on assets (ROA) | 0.5032% | 4,852 |
| Pretax return on assets | 0.5307% | 5,100 |
| Return on Equity (ROE) | 6.6819% | 3,730 |
| Retained earnings to average equity (ytd only) | 1.8290% | 4,933 |
| Net charge-offs to loans | 0.1977% | 2,885 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.5122% | 2,658 |
| Efficiency ratio | 87.5446% | 1,261 |
| Assets per employee ($millions) | 6.2995% | 1,084 |
| Cash dividends to net income (ytd only)* | 72.6277% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 5,646 |
| Loan loss allowance to noncurrent loans | 35.7651% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 1.8956% | 1,915 |
| Noncurrent loans to loans | 2.7466% | 1,304 |
| Net loans and leases to total assets | 18.9194% | 6,681 |
| Net loans and leases to deposits | 20.4522% | 6,699 |
| Net loans and leases to core deposits | 24.6712% | 6,663 |
| Total domestic deposits to total assets | 92.5054% | 192 |
| Equity capital to assets | 5.8660% | 6,630 |
| Core capital (leverage) ratio | 7.7749% | 6,258 |
| Tier 1 risk-based capital ratio | 17.4403% | 2,435 |
| Total risk-based capital ratio | 17.8477% | 2,769 |
| Memoranda: | ||
| Average total assets | $108,909,200 | 4,521 |
| Average earning assets | $100,252,800 | 4,511 |
| Average equity | $8,201,200 | 5,287 |
| Average total loans | $20,737,600 | 6,160 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4590% | 5,773 |
| Cost of funding earning assets | 0.9722% | 567 |
| Net interest margin | 2.4868% | 6,437 |
| Noninterest income to average assets | 0.2585% | 5,595 |
| Noninterest expense to average assets | 1.9872% | 6,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5571% | 4,544 |
| Return on assets (ROA) | 0.7400% | 3,774 |
| Pretax return on assets | 0.7400% | 4,535 |
| Return on Equity (ROE) | 9.3228% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.3228% | 957 |
| Net charge-offs to loans | -0.0513% | 6,319 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1025% | 2,406 |
| Assets per employee ($millions) | 7.1584% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 4,794 |
| Loan loss allowance to noncurrent loans | 44.9640% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 1.8815% | 2,157 |
| Noncurrent loans to loans | 2.7084% | 1,559 |
| Net loans and leases to total assets | 17.7055% | 6,775 |
| Net loans and leases to deposits | 19.0949% | 6,796 |
| Net loans and leases to core deposits | 22.7137% | 6,771 |
| Total domestic deposits to total assets | 92.7236% | 147 |
| Equity capital to assets | 6.5203% | 6,642 |
| Core capital (leverage) ratio | 8.2117% | 6,048 |
| Tier 1 risk-based capital ratio | 18.3122% | 2,210 |
| Total risk-based capital ratio | 18.8100% | 2,457 |
| Memoranda: | ||
| Average total assets | $109,363,750 | 4,546 |
| Average earning assets | $100,527,500 | 4,546 |
| Average equity | $8,681,000 | 5,221 |
| Average total loans | $20,806,500 | 6,221 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4926% | 5,716 |
| Cost of funding earning assets | 0.9805% | 598 |
| Net interest margin | 2.5121% | 6,439 |
| Noninterest income to average assets | 0.2824% | 5,427 |
| Noninterest expense to average assets | 1.9342% | 6,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6522% | 4,050 |
| Return on assets (ROA) | 0.9309% | 2,792 |
| Pretax return on assets | 0.9309% | 3,778 |
| Return on Equity (ROE) | 11.0288% | 1,803 |
| Retained earnings to average equity (ytd only) | 11.0288% | 637 |
| Net charge-offs to loans | -0.0478% | 6,251 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7845% | 2,976 |
| Assets per employee ($millions) | 6.7714% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 4,884 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 1.5995% | 2,717 |
| Noncurrent loans to loans | 0.5135% | 4,985 |
| Net loans and leases to total assets | 18.4664% | 6,816 |
| Net loans and leases to deposits | 19.9039% | 6,838 |
| Net loans and leases to core deposits | 23.8514% | 6,810 |
| Total domestic deposits to total assets | 92.7776% | 147 |
| Equity capital to assets | 6.9917% | 6,605 |
| Core capital (leverage) ratio | 8.1618% | 6,050 |
| Tier 1 risk-based capital ratio | 18.6703% | 2,092 |
| Total risk-based capital ratio | 19.1776% | 2,308 |
| Memoranda: | ||
| Average total assets | $107,640,000 | 4,621 |
| Average earning assets | $98,723,330 | 4,631 |
| Average equity | $9,085,330 | 5,152 |
| Average total loans | $20,899,000 | 6,258 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4453% | 5,846 |
| Cost of funding earning assets | 0.9670% | 720 |
| Net interest margin | 2.4784% | 6,532 |
| Noninterest income to average assets | 0.3020% | 5,285 |
| Noninterest expense to average assets | 1.8492% | 6,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7270% | 3,555 |
| Return on assets (ROA) | 0.7829% | 3,396 |
| Pretax return on assets | 0.7829% | 4,238 |
| Return on Equity (ROE) | 8.5362% | 2,699 |
| Retained earnings to average equity (ytd only) | 8.5362% | 1,548 |
| Net charge-offs to loans | 0.0188% | 3,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 195.0000% | 207 |
| Efficiency ratio | 71.7800% | 3,655 |
| Assets per employee ($millions) | 6.9239% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 5,375 |
| Loan loss allowance to noncurrent loans | 136.9318% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.6555% | 2,791 |
| Noncurrent loans to loans | 0.8448% | 4,427 |
| Net loans and leases to total assets | 18.5877% | 6,883 |
| Net loans and leases to deposits | 20.6285% | 6,900 |
| Net loans and leases to core deposits | 24.7429% | 6,854 |
| Total domestic deposits to total assets | 90.1068% | 979 |
| Equity capital to assets | 8.8985% | 5,617 |
| Core capital (leverage) ratio | 8.0101% | 6,133 |
| Tier 1 risk-based capital ratio | 18.1202% | 2,310 |
| Total risk-based capital ratio | 18.6165% | 2,582 |
| Memoranda: | ||
| Average total assets | $107,288,500 | 4,671 |
| Average earning assets | $98,452,500 | 4,670 |
| Average equity | $9,840,500 | 5,023 |
| Average total loans | $21,221,500 | 6,301 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7658% | 5,913 |
| Cost of funding earning assets | 1.0280% | 1,214 |
| Net interest margin | 2.7378% | 6,470 |
| Noninterest income to average assets | 0.4318% | 4,372 |
| Noninterest expense to average assets | 2.4225% | 5,348 |
| Loan and lease loss provision to assets | 0.0512% | 5,172 |
| Net operating income to assets | 0.3679% | 5,226 |
| Return on assets (ROA) | 0.7250% | 3,869 |
| Pretax return on assets | 0.8227% | 4,216 |
| Return on Equity (ROE) | 7.8238% | 3,175 |
| Retained earnings to average equity (ytd only) | 4.0575% | 3,363 |
| Net charge-offs to loans | 0.3275% | 3,008 |
| Credit loss provision to net charge-offs | 76.3889% | 3,950 |
| Earnings coverage of net charge-offs (x) | 6.9861% | 2,698 |
| Efficiency ratio | 83.8055% | 1,651 |
| Assets per employee ($millions) | 6.1055% | 1,217 |
| Cash dividends to net income (ytd only)* | 48.1386% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 5,471 |
| Loan loss allowance to noncurrent loans | 355.8824% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 1.6928% | 2,857 |
| Noncurrent loans to loans | 0.3147% | 5,697 |
| Net loans and leases to total assets | 20.5869% | 6,917 |
| Net loans and leases to deposits | 23.0336% | 6,943 |
| Net loans and leases to core deposits | 26.7280% | 6,901 |
| Total domestic deposits to total assets | 89.3780% | 1,315 |
| Equity capital to assets | 9.4639% | 4,918 |
| Core capital (leverage) ratio | 8.2696% | 5,919 |
| Tier 1 risk-based capital ratio | 18.0775% | 2,234 |
| Total risk-based capital ratio | 18.5869% | 2,484 |
| Memoranda: | ||
| Average total assets | $107,450,800 | 4,651 |
| Average earning assets | $96,501,000 | 4,677 |
| Average equity | $9,956,800 | 4,989 |
| Average total loans | $21,982,800 | 6,341 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 6,043 |
| Cost of funding earning assets | 1.0393% | 1,346 |
| Net interest margin | 2.7528% | 6,575 |
| Noninterest income to average assets | 0.4958% | 3,957 |
| Noninterest expense to average assets | 1.9501% | 6,445 |
| Loan and lease loss provision to assets | 0.0677% | 4,837 |
| Net operating income to assets | 0.8952% | 3,004 |
| Return on assets (ROA) | 1.3534% | 1,464 |
| Pretax return on assets | 1.4272% | 2,153 |
| Return on Equity (ROE) | 14.6806% | 960 |
| Retained earnings to average equity (ytd only) | 14.6806% | 257 |
| Net charge-offs to loans | 0.2053% | 3,503 |
| Credit loss provision to net charge-offs | 161.7647% | 1,719 |
| Earnings coverage of net charge-offs (x) | 24.2071% | 1,288 |
| Efficiency ratio | 65.8223% | 4,476 |
| Assets per employee ($millions) | 6.5253% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 4,856 |
| Loan loss allowance to noncurrent loans | 206.6176% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.8705% | 2,828 |
| Noncurrent loans to loans | 0.6246% | 5,188 |
| Net loans and leases to total assets | 19.3753% | 7,037 |
| Net loans and leases to deposits | 21.7272% | 7,059 |
| Net loans and leases to core deposits | 24.9070% | 7,033 |
| Total domestic deposits to total assets | 89.1752% | 1,325 |
| Equity capital to assets | 9.5925% | 5,078 |
| Core capital (leverage) ratio | 8.6993% | 5,477 |
| Tier 1 risk-based capital ratio | 18.9573% | 2,025 |
| Total risk-based capital ratio | 19.5309% | 2,217 |
| Memoranda: | ||
| Average total assets | $108,365,000 | 4,679 |
| Average earning assets | $97,112,250 | 4,712 |
| Average equity | $9,990,250 | 5,028 |
| Average total loans | $22,076,000 | 6,419 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 5,886 |
| Cost of funding earning assets | 1.0660% | 1,376 |
| Net interest margin | 2.8446% | 6,509 |
| Noninterest income to average assets | 0.3162% | 5,293 |
| Noninterest expense to average assets | 1.8454% | 6,689 |
| Loan and lease loss provision to assets | 0.0465% | 5,094 |
| Net operating income to assets | 0.9583% | 2,621 |
| Return on assets (ROA) | 1.5385% | 1,051 |
| Pretax return on assets | 1.5571% | 1,687 |
| Return on Equity (ROE) | 16.9236% | 647 |
| Retained earnings to average equity (ytd only) | 16.9236% | 186 |
| Net charge-offs to loans | 0.3247% | 2,735 |
| Credit loss provision to net charge-offs | 69.4444% | 3,575 |
| Earnings coverage of net charge-offs (x) | 15.1944% | 1,658 |
| Efficiency ratio | 64.4574% | 4,807 |
| Assets per employee ($millions) | 6.7949% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 5,693 |
| Loan loss allowance to noncurrent loans | 233.9623% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 1.9049% | 2,898 |
| Noncurrent loans to loans | 0.4791% | 5,569 |
| Net loans and leases to total assets | 20.1209% | 7,081 |
| Net loans and leases to deposits | 22.7084% | 7,103 |
| Net loans and leases to core deposits | 26.1266% | 7,080 |
| Total domestic deposits to total assets | 88.6054% | 1,755 |
| Equity capital to assets | 9.5320% | 5,017 |
| Core capital (leverage) ratio | 8.2631% | 5,974 |
| Tier 1 risk-based capital ratio | 18.5734% | 2,112 |
| Total risk-based capital ratio | 19.0845% | 2,315 |
| Memoranda: | ||
| Average total assets | $107,510,000 | 4,728 |
| Average earning assets | $96,252,000 | 4,758 |
| Average equity | $9,773,330 | 5,081 |
| Average total loans | $22,176,670 | 6,455 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0235% | 5,690 |
| Cost of funding earning assets | 1.0928% | 1,438 |
| Net interest margin | 2.9308% | 6,436 |
| Noninterest income to average assets | 0.3218% | 5,297 |
| Noninterest expense to average assets | 1.6800% | 6,917 |
| Loan and lease loss provision to assets | 0.0561% | 4,704 |
| Net operating income to assets | 1.2048% | 1,719 |
| Return on assets (ROA) | 1.9456% | 532 |
| Pretax return on assets | 1.9456% | 812 |
| Return on Equity (ROE) | 21.9444% | 275 |
| Retained earnings to average equity (ytd only) | 21.9444% | 134 |
| Net charge-offs to loans | 0.4864% | 1,873 |
| Credit loss provision to net charge-offs | 55.5556% | 3,190 |
| Earnings coverage of net charge-offs (x) | 12.4815% | 1,597 |
| Efficiency ratio | 57.1247% | 6,027 |
| Assets per employee ($millions) | 6.7243% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 5,872 |
| Loan loss allowance to noncurrent loans | 175.8865% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 1.9844% | 2,922 |
| Noncurrent loans to loans | 0.6308% | 5,381 |
| Net loans and leases to total assets | 20.5467% | 7,135 |
| Net loans and leases to deposits | 22.9511% | 7,155 |
| Net loans and leases to core deposits | 26.4116% | 7,124 |
| Total domestic deposits to total assets | 89.5240% | 1,357 |
| Equity capital to assets | 8.9219% | 5,607 |
| Core capital (leverage) ratio | 7.9684% | 6,284 |
| Tier 1 risk-based capital ratio | 17.9126% | 2,330 |
| Total risk-based capital ratio | 18.4229% | 2,575 |
| Memoranda: | ||
| Average total assets | $106,906,000 | 4,772 |
| Average earning assets | $95,538,000 | 4,803 |
| Average equity | $9,478,500 | 5,176 |
| Average total loans | $22,203,500 | 6,496 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 6,154 |
| Cost of funding earning assets | 1.3246% | 1,367 |
| Net interest margin | 2.8400% | 6,773 |
| Noninterest income to average assets | 0.3342% | 5,146 |
| Noninterest expense to average assets | 2.1750% | 6,321 |
| Loan and lease loss provision to assets | 0.0192% | 6,329 |
| Net operating income to assets | 0.6672% | 3,647 |
| Return on assets (ROA) | 0.8287% | 3,079 |
| Pretax return on assets | 0.8690% | 3,712 |
| Return on Equity (ROE) | 10.3938% | 1,923 |
| Retained earnings to average equity (ytd only) | 5.9135% | 2,066 |
| Net charge-offs to loans | 0.1267% | 5,128 |
| Credit loss provision to net charge-offs | 68.9655% | 4,890 |
| Earnings coverage of net charge-offs (x) | 25.7931% | 963 |
| Efficiency ratio | 75.1742% | 3,038 |
| Assets per employee ($millions) | 6.6389% | 885 |
| Cash dividends to net income (ytd only)* | 43.1054% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 5,494 |
| Loan loss allowance to noncurrent loans | 135.4167% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 2.0768% | 2,868 |
| Noncurrent loans to loans | 0.8706% | 4,946 |
| Net loans and leases to total assets | 20.5163% | 7,198 |
| Net loans and leases to deposits | 22.8995% | 7,223 |
| Net loans and leases to core deposits | 26.3105% | 7,193 |
| Total domestic deposits to total assets | 89.5926% | 1,207 |
| Equity capital to assets | 8.8098% | 5,784 |
| Core capital (leverage) ratio | 7.8001% | 6,439 |
| Tier 1 risk-based capital ratio | 16.6969% | 2,736 |
| Total risk-based capital ratio | 17.2273% | 3,018 |
| Memoranda: | ||
| Average total assets | $104,140,200 | 4,788 |
| Average earning assets | $93,839,600 | 4,813 |
| Average equity | $8,303,000 | 5,476 |
| Average total loans | $22,886,600 | 6,513 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 6,169 |
| Cost of funding earning assets | 1.3933% | 1,260 |
| Net interest margin | 2.8224% | 6,862 |
| Noninterest income to average assets | 0.3526% | 5,034 |
| Noninterest expense to average assets | 2.1205% | 6,470 |
| Loan and lease loss provision to assets | 0.0257% | 6,127 |
| Net operating income to assets | 0.7101% | 3,559 |
| Return on assets (ROA) | 0.9264% | 2,788 |
| Pretax return on assets | 0.9753% | 3,496 |
| Return on Equity (ROE) | 11.9412% | 1,567 |
| Retained earnings to average equity (ytd only) | 11.9412% | 504 |
| Net charge-offs to loans | 0.1674% | 4,452 |
| Credit loss provision to net charge-offs | 68.9655% | 4,514 |
| Earnings coverage of net charge-offs (x) | 20.7217% | 1,209 |
| Efficiency ratio | 73.2770% | 3,319 |
| Assets per employee ($millions) | 6.9294% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 5,700 |
| Loan loss allowance to noncurrent loans | 137.0370% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 1.9663% | 3,184 |
| Noncurrent loans to loans | 0.8360% | 5,201 |
| Net loans and leases to total assets | 20.1569% | 7,282 |
| Net loans and leases to deposits | 22.4919% | 7,306 |
| Net loans and leases to core deposits | 25.5909% | 7,283 |
| Total domestic deposits to total assets | 89.6185% | 1,083 |
| Equity capital to assets | 8.6380% | 6,160 |
| Core capital (leverage) ratio | 7.7152% | 6,626 |
| Tier 1 risk-based capital ratio | 16.7968% | 2,722 |
| Total risk-based capital ratio | 17.3138% | 3,047 |
| Memoranda: | ||
| Average total assets | $103,619,500 | 4,826 |
| Average earning assets | $93,299,750 | 4,865 |
| Average equity | $8,039,250 | 5,586 |
| Average total loans | $23,095,000 | 6,573 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2954% | 6,038 |
| Cost of funding earning assets | 1.4647% | 1,143 |
| Net interest margin | 2.8307% | 6,887 |
| Noninterest income to average assets | 0.3636% | 4,966 |
| Noninterest expense to average assets | 2.1660% | 6,469 |
| Loan and lease loss provision to assets | 0.0395% | 5,817 |
| Net operating income to assets | 0.7095% | 3,494 |
| Return on assets (ROA) | 0.9822% | 2,399 |
| Pretax return on assets | 0.9822% | 3,301 |
| Return on Equity (ROE) | 13.2064% | 1,155 |
| Retained earnings to average equity (ytd only) | 13.2064% | 374 |
| Net charge-offs to loans | 0.1118% | 4,579 |
| Credit loss provision to net charge-offs | 153.8462% | 1,980 |
| Earnings coverage of net charge-offs (x) | 29.1538% | 945 |
| Efficiency ratio | 74.3051% | 3,308 |
| Assets per employee ($millions) | 6.0573% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 5,433 |
| Loan loss allowance to noncurrent loans | 107.8431% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 2.2103% | 2,966 |
| Noncurrent loans to loans | 1.1373% | 4,759 |
| Net loans and leases to total assets | 21.5074% | 7,351 |
| Net loans and leases to deposits | 23.6775% | 7,378 |
| Net loans and leases to core deposits | 27.2542% | 7,354 |
| Total domestic deposits to total assets | 90.8346% | 570 |
| Equity capital to assets | 8.3778% | 6,328 |
| Core capital (leverage) ratio | 7.9270% | 6,385 |
| Tier 1 risk-based capital ratio | 17.0291% | 2,506 |
| Total risk-based capital ratio | 17.6008% | 2,772 |
| Memoranda: | ||
| Average total assets | $101,202,670 | 4,927 |
| Average earning assets | $91,214,000 | 4,960 |
| Average equity | $7,526,670 | 5,758 |
| Average total loans | $23,257,670 | 6,629 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3146% | 5,978 |
| Cost of funding earning assets | 1.5482% | 984 |
| Net interest margin | 2.7664% | 6,954 |
| Noninterest income to average assets | 0.4785% | 4,060 |
| Noninterest expense to average assets | 2.1093% | 6,615 |
| Loan and lease loss provision to assets | 0.0399% | 5,496 |
| Net operating income to assets | 0.8373% | 2,842 |
| Return on assets (ROA) | 1.0088% | 2,206 |
| Pretax return on assets | 1.0088% | 3,107 |
| Return on Equity (ROE) | 14.5058% | 908 |
| Retained earnings to average equity (ytd only) | 14.5058% | 436 |
| Net charge-offs to loans | 0.0676% | 4,247 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 534 |
| Efficiency ratio | 70.6275% | 4,127 |
| Assets per employee ($millions) | 5.9803% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 5,822 |
| Loan loss allowance to noncurrent loans | 30.4444% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 2.4217% | 2,809 |
| Noncurrent loans to loans | 3.7960% | 1,931 |
| Net loans and leases to total assets | 23.0512% | 7,385 |
| Net loans and leases to deposits | 24.8880% | 7,417 |
| Net loans and leases to core deposits | 29.8095% | 7,378 |
| Total domestic deposits to total assets | 92.6199% | 170 |
| Equity capital to assets | 7.1018% | 7,051 |
| Core capital (leverage) ratio | 7.7690% | 6,494 |
| Tier 1 risk-based capital ratio | 16.1757% | 2,821 |
| Total risk-based capital ratio | 16.7335% | 3,118 |
| Memoranda: | ||
| Average total assets | $100,317,000 | 4,998 |
| Average earning assets | $90,947,000 | 5,009 |
| Average equity | $6,976,500 | 5,933 |
| Average total loans | $23,675,500 | 6,659 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4988% | 6,406 |
| Cost of funding earning assets | 1.9033% | 835 |
| Net interest margin | 2.5955% | 7,209 |
| Noninterest income to average assets | 0.3118% | 5,567 |
| Noninterest expense to average assets | 2.2358% | 6,528 |
| Loan and lease loss provision to assets | 0.2176% | 5,087 |
| Net operating income to assets | 0.1681% | 5,381 |
| Return on assets (ROA) | 0.5344% | 4,098 |
| Pretax return on assets | 0.5404% | 4,499 |
| Return on Equity (ROE) | 6.9739% | 3,136 |
| Retained earnings to average equity (ytd only) | 2.6168% | 4,030 |
| Net charge-offs to loans | 0.7531% | 2,761 |
| Credit loss provision to net charge-offs | 120.5556% | 3,492 |
| Earnings coverage of net charge-offs (x) | 2.1500% | 4,107 |
| Efficiency ratio | 85.2121% | 1,780 |
| Assets per employee ($millions) | 5.8217% | 1,339 |
| Cash dividends to net income (ytd only)* | 62.4765% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 5,809 |
| Loan loss allowance to noncurrent loans | 23.1034% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 2.5846% | 2,693 |
| Noncurrent loans to loans | 4.9065% | 1,394 |
| Net loans and leases to total assets | 23.6175% | 7,479 |
| Net loans and leases to deposits | 25.4137% | 7,518 |
| Net loans and leases to core deposits | 30.5654% | 7,466 |
| Total domestic deposits to total assets | 92.9321% | 144 |
| Equity capital to assets | 6.8031% | 7,174 |
| Core capital (leverage) ratio | 7.6491% | 6,582 |
| Tier 1 risk-based capital ratio | 15.7715% | 2,857 |
| Total risk-based capital ratio | 16.3209% | 3,152 |
| Memoranda: | ||
| Average total assets | $99,741,600 | 4,993 |
| Average earning assets | $88,846,000 | 5,056 |
| Average equity | $7,642,800 | 5,829 |
| Average total loans | $23,901,000 | 6,735 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 6,425 |
| Cost of funding earning assets | 1.9441% | 895 |
| Net interest margin | 2.6222% | 7,297 |
| Noninterest income to average assets | 0.3322% | 5,504 |
| Noninterest expense to average assets | 2.1320% | 6,779 |
| Loan and lease loss provision to assets | 0.2762% | 4,377 |
| Net operating income to assets | 0.2432% | 5,380 |
| Return on assets (ROA) | 0.5403% | 4,302 |
| Pretax return on assets | 0.5604% | 4,721 |
| Return on Equity (ROE) | 6.8612% | 3,414 |
| Retained earnings to average equity (ytd only) | 6.8612% | 1,920 |
| Net charge-offs to loans | 0.9569% | 2,082 |
| Credit loss provision to net charge-offs | 120.3488% | 3,426 |
| Earnings coverage of net charge-offs (x) | 2.2965% | 4,016 |
| Efficiency ratio | 80.1806% | 2,314 |
| Assets per employee ($millions) | 6.0729% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 5,772 |
| Loan loss allowance to noncurrent loans | 21.2510% | 6,849 |
| Noncurrent assets plus other real estate owned to assets | 2.6937% | 2,679 |
| Noncurrent loans to loans | 5.3501% | 1,260 |
| Net loans and leases to total assets | 22.3201% | 7,590 |
| Net loans and leases to deposits | 24.8046% | 7,628 |
| Net loans and leases to core deposits | 27.7416% | 7,599 |
| Total domestic deposits to total assets | 89.9834% | 890 |
| Equity capital to assets | 8.4919% | 6,284 |
| Core capital (leverage) ratio | 7.7535% | 6,621 |
| Tier 1 risk-based capital ratio | 16.4930% | 2,558 |
| Total risk-based capital ratio | 17.0464% | 2,811 |
| Memoranda: | ||
| Average total assets | $99,934,750 | 5,046 |
| Average earning assets | $88,678,000 | 5,123 |
| Average equity | $7,870,250 | 5,834 |
| Average total loans | $23,965,750 | 6,826 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 5,926 |
| Cost of funding earning assets | 2.0064% | 897 |
| Net interest margin | 2.7543% | 7,198 |
| Noninterest income to average assets | 0.3481% | 5,369 |
| Noninterest expense to average assets | 2.1632% | 6,738 |
| Loan and lease loss provision to assets | 0.2975% | 4,008 |
| Net operating income to assets | 0.3086% | 5,143 |
| Return on assets (ROA) | 0.4027% | 4,904 |
| Pretax return on assets | 0.4331% | 5,111 |
| Return on Equity (ROE) | 5.2567% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.2567% | 2,747 |
| Net charge-offs to loans | 0.2067% | 4,373 |
| Credit loss provision to net charge-offs | 588.0000% | 639 |
| Earnings coverage of net charge-offs (x) | 12.4400% | 1,679 |
| Efficiency ratio | 77.4638% | 2,821 |
| Assets per employee ($millions) | 6.0566% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 4,011 |
| Loan loss allowance to noncurrent loans | 30.7155% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 2.7656% | 2,615 |
| Noncurrent loans to loans | 4.8210% | 1,465 |
| Net loans and leases to total assets | 24.1670% | 7,638 |
| Net loans and leases to deposits | 26.6522% | 7,682 |
| Net loans and leases to core deposits | 29.9032% | 7,657 |
| Total domestic deposits to total assets | 90.6754% | 613 |
| Equity capital to assets | 8.4041% | 6,295 |
| Core capital (leverage) ratio | 7.9337% | 6,347 |
| Tier 1 risk-based capital ratio | 16.4887% | 2,475 |
| Total risk-based capital ratio | 17.2433% | 2,637 |
| Memoranda: | ||
| Average total assets | $98,833,330 | 5,116 |
| Average earning assets | $87,717,330 | 5,189 |
| Average equity | $7,571,330 | 5,937 |
| Average total loans | $24,185,000 | 6,850 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8273% | 5,776 |
| Cost of funding earning assets | 2.0409% | 967 |
| Net interest margin | 2.7863% | 7,196 |
| Noninterest income to average assets | 0.4008% | 4,913 |
| Noninterest expense to average assets | 2.3608% | 6,209 |
| Loan and lease loss provision to assets | 0.1403% | 5,145 |
| Net operating income to assets | 0.3584% | 5,034 |
| Return on assets (ROA) | 0.3687% | 5,104 |
| Pretax return on assets | 0.4289% | 5,198 |
| Return on Equity (ROE) | 5.0515% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.0515% | 3,128 |
| Net charge-offs to loans | 0.0984% | 4,436 |
| Credit loss provision to net charge-offs | 583.3333% | 746 |
| Earnings coverage of net charge-offs (x) | 23.1667% | 1,062 |
| Efficiency ratio | 80.9066% | 2,423 |
| Assets per employee ($millions) | 5.5101% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 6,257 |
| Loan loss allowance to noncurrent loans | 26.3747% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 2.4460% | 2,970 |
| Noncurrent loans to loans | 3.9626% | 1,983 |
| Net loans and leases to total assets | 24.7253% | 7,721 |
| Net loans and leases to deposits | 28.3104% | 7,750 |
| Net loans and leases to core deposits | 31.8063% | 7,721 |
| Total domestic deposits to total assets | 87.3364% | 2,442 |
| Equity capital to assets | 7.5538% | 7,029 |
| Core capital (leverage) ratio | 7.6181% | 6,717 |
| Tier 1 risk-based capital ratio | 15.7106% | 2,775 |
| Total risk-based capital ratio | 16.2469% | 3,079 |
| Memoranda: | ||
| Average total assets | $99,797,500 | 5,157 |
| Average earning assets | $90,154,500 | 5,162 |
| Average equity | $7,285,000 | 6,088 |
| Average total loans | $24,392,000 | 6,913 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8780% | 6,763 |
| Cost of funding earning assets | 2.4626% | 1,112 |
| Net interest margin | 2.4154% | 7,500 |
| Noninterest income to average assets | 0.2974% | 5,976 |
| Noninterest expense to average assets | 2.2337% | 6,907 |
| Loan and lease loss provision to assets | -0.0563% | 7,977 |
| Net operating income to assets | 0.2597% | 4,685 |
| Return on assets (ROA) | 0.6718% | 3,107 |
| Pretax return on assets | 0.7617% | 3,368 |
| Return on Equity (ROE) | 9.4665% | 1,864 |
| Retained earnings to average equity (ytd only) | 4.8446% | 1,904 |
| Net charge-offs to loans | 0.7900% | 2,851 |
| Credit loss provision to net charge-offs | -29.2308% | 7,363 |
| Earnings coverage of net charge-offs (x) | 1.2308% | 4,891 |
| Efficiency ratio | 90.4038% | 1,676 |
| Assets per employee ($millions) | 4.7816% | 2,501 |
| Cash dividends to net income (ytd only)* | 48.8235% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 6,589 |
| Loan loss allowance to noncurrent loans | 21.6777% | 6,974 |
| Noncurrent assets plus other real estate owned to assets | 2.2487% | 3,071 |
| Noncurrent loans to loans | 4.4205% | 1,616 |
| Net loans and leases to total assets | 23.6742% | 7,813 |
| Net loans and leases to deposits | 25.5811% | 7,867 |
| Net loans and leases to core deposits | 38.7217% | 7,780 |
| Total domestic deposits to total assets | 92.5458% | 171 |
| Equity capital to assets | 7.0489% | 7,348 |
| Core capital (leverage) ratio | 7.2429% | 7,034 |
| Tier 1 risk-based capital ratio | 15.2312% | 2,832 |
| Total risk-based capital ratio | 15.6987% | 3,189 |
| Memoranda: | ||
| Average total assets | $101,221,800 | 5,055 |
| Average earning assets | $91,081,600 | 5,089 |
| Average equity | $7,183,200 | 6,207 |
| Average total loans | $24,683,800 | 6,933 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8707% | 6,957 |
| Cost of funding earning assets | 2.5143% | 1,254 |
| Net interest margin | 2.3564% | 7,598 |
| Noninterest income to average assets | 0.3063% | 6,028 |
| Noninterest expense to average assets | 2.1217% | 7,149 |
| Loan and lease loss provision to assets | -0.0749% | 8,061 |
| Net operating income to assets | 0.3443% | 4,624 |
| Return on assets (ROA) | 0.7362% | 3,141 |
| Pretax return on assets | 0.8045% | 3,526 |
| Return on Equity (ROE) | 10.3565% | 1,800 |
| Retained earnings to average equity (ytd only) | 10.3565% | 569 |
| Net charge-offs to loans | 0.8637% | 2,240 |
| Credit loss provision to net charge-offs | -35.4037% | 7,184 |
| Earnings coverage of net charge-offs (x) | 1.4348% | 4,704 |
| Efficiency ratio | 87.4797% | 1,921 |
| Assets per employee ($millions) | 5.0691% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 5,836 |
| Loan loss allowance to noncurrent loans | 46.8917% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 1.6533% | 3,886 |
| Noncurrent loans to loans | 2.3052% | 3,258 |
| Net loans and leases to total assets | 22.6949% | 7,920 |
| Net loans and leases to deposits | 24.8465% | 7,960 |
| Net loans and leases to core deposits | 39.6407% | 7,854 |
| Total domestic deposits to total assets | 91.3406% | 292 |
| Equity capital to assets | 7.4663% | 7,323 |
| Core capital (leverage) ratio | 7.2689% | 7,212 |
| Tier 1 risk-based capital ratio | 15.6109% | 2,769 |
| Total risk-based capital ratio | 16.1457% | 3,029 |
| Memoranda: | ||
| Average total assets | $101,424,000 | 5,086 |
| Average earning assets | $91,210,250 | 5,119 |
| Average equity | $7,209,500 | 6,254 |
| Average total loans | $24,854,250 | 6,988 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0036% | 6,757 |
| Cost of funding earning assets | 2.5875% | 1,321 |
| Net interest margin | 2.4161% | 7,557 |
| Noninterest income to average assets | 0.3469% | 5,730 |
| Noninterest expense to average assets | 2.1654% | 7,135 |
| Loan and lease loss provision to assets | -0.1143% | 8,166 |
| Net operating income to assets | 0.4250% | 4,400 |
| Return on assets (ROA) | 0.9524% | 2,362 |
| Pretax return on assets | 0.9925% | 3,045 |
| Return on Equity (ROE) | 13.6429% | 1,050 |
| Retained earnings to average equity (ytd only) | 13.6429% | 275 |
| Net charge-offs to loans | 1.4321% | 1,318 |
| Credit loss provision to net charge-offs | -31.8436% | 6,906 |
| Earnings coverage of net charge-offs (x) | 0.9162% | 4,849 |
| Efficiency ratio | 86.8167% | 2,141 |
| Assets per employee ($millions) | 4.9315% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 6,134 |
| Loan loss allowance to noncurrent loans | 112.7854% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.3673% | 4,227 |
| Noncurrent loans to loans | 0.8981% | 5,415 |
| Net loans and leases to total assets | 23.3070% | 8,001 |
| Net loans and leases to deposits | 25.0704% | 8,036 |
| Net loans and leases to core deposits | 39.3836% | 7,936 |
| Total domestic deposits to total assets | 92.9665% | 101 |
| Equity capital to assets | 6.5671% | 7,802 |
| Core capital (leverage) ratio | 7.4135% | 7,123 |
| Tier 1 risk-based capital ratio | 15.6814% | 2,739 |
| Total risk-based capital ratio | 16.1896% | 2,988 |
| Memoranda: | ||
| Average total assets | $99,748,330 | 5,170 |
| Average earning assets | $88,656,670 | 5,241 |
| Average equity | $6,963,330 | 6,383 |
| Average total loans | $24,998,000 | 7,030 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0448% | 6,816 |
| Cost of funding earning assets | 2.5857% | 1,608 |
| Net interest margin | 2.4591% | 7,551 |
| Noninterest income to average assets | 0.3025% | 6,017 |
| Noninterest expense to average assets | 2.0850% | 7,154 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4167% | 4,788 |
| Return on assets (ROA) | 1.1733% | 1,842 |
| Pretax return on assets | 1.2551% | 2,434 |
| Return on Equity (ROE) | 16.2964% | 777 |
| Retained earnings to average equity (ytd only) | 16.2964% | 314 |
| Net charge-offs to loans | 0.0158% | 5,356 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 407 |
| Efficiency ratio | 82.5243% | 2,474 |
| Assets per employee ($millions) | 4.7500% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8888% | 1,642 |
| Loan loss allowance to noncurrent loans | 84.6561% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.7945% | 3,227 |
| Noncurrent loans to loans | 2.2311% | 2,949 |
| Net loans and leases to total assets | 24.9957% | 8,025 |
| Net loans and leases to deposits | 26.9823% | 8,076 |
| Net loans and leases to core deposits | 42.0108% | 7,944 |
| Total domestic deposits to total assets | 92.6375% | 109 |
| Equity capital to assets | 6.9484% | 7,704 |
| Core capital (leverage) ratio | 7.4699% | 7,192 |
| Tier 1 risk-based capital ratio | 15.5774% | 2,821 |
| Total risk-based capital ratio | 16.5835% | 2,862 |
| Memoranda: | ||
| Average total assets | $97,842,000 | 5,242 |
| Average earning assets | $88,488,000 | 5,272 |
| Average equity | $7,044,500 | 6,388 |
| Average total loans | $25,305,000 | 7,045 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6281% | 6,992 |
| Cost of funding earning assets | 2.9955% | 1,883 |
| Net interest margin | 2.6326% | 7,606 |
| Noninterest income to average assets | 0.4013% | 5,458 |
| Noninterest expense to average assets | 2.3821% | 6,459 |
| Loan and lease loss provision to assets | 0.0296% | 7,030 |
| Net operating income to assets | 0.2516% | 5,704 |
| Return on assets (ROA) | 0.2626% | 5,490 |
| Pretax return on assets | 0.3790% | 5,317 |
| Return on Equity (ROE) | 3.8874% | 4,866 |
| Retained earnings to average equity (ytd only) | 1.4107% | 4,372 |
| Net charge-offs to loans | 0.0378% | 6,272 |
| Credit loss provision to net charge-offs | 280.0000% | 1,628 |
| Earnings coverage of net charge-offs (x) | 37.1000% | 997 |
| Efficiency ratio | 85.8451% | 1,866 |
| Assets per employee ($millions) | 4.5683% | 2,516 |
| Cash dividends to net income (ytd only)* | 63.7097% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9129% | 1,390 |
| Loan loss allowance to noncurrent loans | 85.4610% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.8627% | 2,647 |
| Noncurrent loans to loans | 2.2384% | 2,459 |
| Net loans and leases to total assets | 25.7622% | 8,074 |
| Net loans and leases to deposits | 27.9898% | 8,137 |
| Net loans and leases to core deposits | 43.8699% | 8,001 |
| Total domestic deposits to total assets | 92.0415% | 129 |
| Equity capital to assets | 7.4613% | 7,415 |
| Core capital (leverage) ratio | 7.5216% | 7,186 |
| Tier 1 risk-based capital ratio | 15.6582% | 2,797 |
| Total risk-based capital ratio | 16.7153% | 2,793 |
| Memoranda: | ||
| Average total assets | $94,454,200 | 5,212 |
| Average earning assets | $85,162,000 | 5,266 |
| Average equity | $6,379,600 | 6,683 |
| Average total loans | $26,486,000 | 6,931 |