Home > Beardstown Savings s.b. > Performance and Condition Ratios
Beardstown Savings s.b., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 2,917 |
| Cost of funding earning assets | 1.3733% | 2,300 |
| Net interest margin | 3.2160% | 2,840 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.8539% | 1,388 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4484% | 3,771 |
| Return on assets (ROA) | 0.4319% | 3,803 |
| Pretax return on assets | 0.4844% | 3,836 |
| Return on Equity (ROE) | 5.0300% | 3,718 |
| Retained earnings to average equity (ytd only) | 5.0318% | 2,600 |
| Net charge-offs to loans | 0.1428% | 715 |
| Credit loss provision to net charge-offs | 81.8182% | 2,007 |
| Earnings coverage of net charge-offs (x) | 6.7455% | 2,450 |
| Efficiency ratio | 83.2958% | 702 |
| Assets per employee ($millions) | 5.4183% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,181 |
| Loan loss allowance to noncurrent loans | 73.5614% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.9889% | 501 |
| Noncurrent loans to loans | 1.6580% | 384 |
| Net loans and leases to total assets | 58.9200% | 2,957 |
| Net loans and leases to deposits | 74.7770% | 2,558 |
| Net loans and leases to core deposits | 85.5723% | 2,337 |
| Total domestic deposits to total assets | 78.7900% | 3,636 |
| Equity capital to assets | 9.2987% | 2,487 |
| Core capital (leverage) ratio | 11.7288% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4384% | 576 |
| Memoranda: | ||
| Average total assets | $64,822,600 | 4,169 |
| Average earning assets | $60,292,800 | 4,134 |
| Average equity | $5,564,600 | 4,206 |
| Average total loans | $38,525,400 | 4,016 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5332% | 2,839 |
| Cost of funding earning assets | 1.2645% | 2,240 |
| Net interest margin | 3.2687% | 2,754 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.8036% | 1,430 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.4239% | 3,922 |
| Return on assets (ROA) | 0.4014% | 3,957 |
| Pretax return on assets | 0.4405% | 4,004 |
| Return on Equity (ROE) | 4.7800% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.7756% | 3,015 |
| Net charge-offs to loans | 0.1595% | 529 |
| Credit loss provision to net charge-offs | 97.8261% | 1,644 |
| Earnings coverage of net charge-offs (x) | 5.8913% | 2,326 |
| Efficiency ratio | 83.4048% | 650 |
| Assets per employee ($millions) | 5.3616% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 2,050 |
| Loan loss allowance to noncurrent loans | 74.0798% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.1641% | 391 |
| Noncurrent loans to loans | 1.7019% | 396 |
| Net loans and leases to total assets | 58.7900% | 2,963 |
| Net loans and leases to deposits | 73.1602% | 2,636 |
| Net loans and leases to core deposits | 82.9609% | 2,399 |
| Total domestic deposits to total assets | 80.3600% | 3,480 |
| Equity capital to assets | 8.0837% | 3,001 |
| Core capital (leverage) ratio | 11.6880% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1038% | 619 |
| Memoranda: | ||
| Average total assets | $64,773,250 | 4,183 |
| Average earning assets | $60,206,500 | 4,157 |
| Average equity | $5,444,250 | 4,226 |
| Average total loans | $38,461,250 | 4,029 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 2,777 |
| Cost of funding earning assets | 1.1014% | 2,277 |
| Net interest margin | 3.3471% | 2,653 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.7851% | 1,449 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.4995% | 3,810 |
| Return on assets (ROA) | 0.4683% | 3,880 |
| Pretax return on assets | 0.5114% | 3,949 |
| Return on Equity (ROE) | 5.5000% | 3,798 |
| Retained earnings to average equity (ytd only) | 5.5019% | 2,782 |
| Net charge-offs to loans | 0.2389% | 346 |
| Credit loss provision to net charge-offs | 65.2174% | 1,608 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,214 |
| Efficiency ratio | 81.3681% | 754 |
| Assets per employee ($millions) | 5.3425% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 2,395 |
| Loan loss allowance to noncurrent loans | 75.3226% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.1184% | 388 |
| Noncurrent loans to loans | 1.6055% | 409 |
| Net loans and leases to total assets | 59.5100% | 2,819 |
| Net loans and leases to deposits | 72.8026% | 2,591 |
| Net loans and leases to core deposits | 81.9285% | 2,341 |
| Total domestic deposits to total assets | 81.7400% | 3,282 |
| Equity capital to assets | 8.5790% | 2,799 |
| Core capital (leverage) ratio | 11.1927% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0512% | 632 |
| Memoranda: | ||
| Average total assets | $64,918,000 | 4,195 |
| Average earning assets | $60,470,333 | 4,172 |
| Average equity | $5,525,333 | 4,242 |
| Average total loans | $38,512,000 | 4,044 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3463% | 2,689 |
| Cost of funding earning assets | 1.0355% | 1,931 |
| Net interest margin | 3.3109% | 2,850 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.8352% | 1,361 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.4286% | 4,040 |
| Return on assets (ROA) | 0.4286% | 3,988 |
| Pretax return on assets | 0.4654% | 4,036 |
| Return on Equity (ROE) | 5.0600% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.0560% | 3,012 |
| Net charge-offs to loans | 0.4888% | 169 |
| Credit loss provision to net charge-offs | 31.9149% | 1,347 |
| Earnings coverage of net charge-offs (x) | 1.9362% | 1,950 |
| Efficiency ratio | 83.5740% | 612 |
| Assets per employee ($millions) | 5.1379% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 2,644 |
| Loan loss allowance to noncurrent loans | 87.0656% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9208% | 475 |
| Noncurrent loans to loans | 1.3592% | 486 |
| Net loans and leases to total assets | 56.3800% | 3,017 |
| Net loans and leases to deposits | 69.0231% | 2,689 |
| Net loans and leases to core deposits | 75.8627% | 2,543 |
| Total domestic deposits to total assets | 81.6900% | 3,536 |
| Equity capital to assets | 8.2928% | 3,043 |
| Core capital (leverage) ratio | 10.9995% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6175% | 693 |
| Memoranda: | ||
| Average total assets | $65,322,000 | 4,251 |
| Average earning assets | $60,649,000 | 4,226 |
| Average equity | $5,538,000 | 4,295 |
| Average total loans | $38,459,500 | 4,097 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9981% | 1,724 |
| Cost of funding earning assets | 0.7168% | 544 |
| Net interest margin | 3.2813% | 2,619 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.6306% | 1,731 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.4748% | 4,122 |
| Return on assets (ROA) | 0.4497% | 4,132 |
| Pretax return on assets | 0.5294% | 4,132 |
| Return on Equity (ROE) | 5.2100% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.2099% | 2,959 |
| Net charge-offs to loans | 0.1185% | 642 |
| Credit loss provision to net charge-offs | 97.8261% | 1,578 |
| Earnings coverage of net charge-offs (x) | 9.2174% | 2,233 |
| Efficiency ratio | 80.7971% | 660 |
| Assets per employee ($millions) | 4.9116% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 3,905 |
| Loan loss allowance to noncurrent loans | 71.7063% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8770% | 514 |
| Noncurrent loans to loans | 1.1930% | 591 |
| Net loans and leases to total assets | 60.2600% | 2,611 |
| Net loans and leases to deposits | 74.7126% | 2,196 |
| Net loans and leases to core deposits | 82.4766% | 1,970 |
| Total domestic deposits to total assets | 80.6600% | 3,797 |
| Equity capital to assets | 8.6718% | 2,581 |
| Core capital (leverage) ratio | 11.2402% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5426% | 668 |
| Memoranda: | ||
| Average total assets | $67,817,800 | 4,249 |
| Average earning assets | $61,804,600 | 4,240 |
| Average equity | $5,854,200 | 4,344 |
| Average total loans | $38,823,000 | 4,084 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 1,499 |
| Cost of funding earning assets | 0.6292% | 374 |
| Net interest margin | 3.2636% | 2,410 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.5655% | 1,805 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.5057% | 4,061 |
| Return on assets (ROA) | 0.5057% | 4,010 |
| Pretax return on assets | 0.5929% | 4,000 |
| Return on Equity (ROE) | 5.8600% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.8649% | 2,800 |
| Net charge-offs to loans | 0.0962% | 642 |
| Credit loss provision to net charge-offs | 107.1429% | 1,285 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,931 |
| Efficiency ratio | 79.7590% | 786 |
| Assets per employee ($millions) | 5.4823% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 3,983 |
| Loan loss allowance to noncurrent loans | 69.3582% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.8816% | 548 |
| Noncurrent loans to loans | 1.2254% | 597 |
| Net loans and leases to total assets | 59.4100% | 2,568 |
| Net loans and leases to deposits | 74.5806% | 1,993 |
| Net loans and leases to core deposits | 80.9248% | 1,839 |
| Total domestic deposits to total assets | 79.6500% | 4,130 |
| Equity capital to assets | 7.7553% | 3,052 |
| Core capital (leverage) ratio | 10.7025% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8051% | 750 |
| Memoranda: | ||
| Average total assets | $68,809,500 | 4,272 |
| Average earning assets | $62,301,750 | 4,267 |
| Average equity | $5,933,500 | 4,375 |
| Average total loans | $38,826,500 | 4,107 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7439% | 1,433 |
| Cost of funding earning assets | 0.5938% | 288 |
| Net interest margin | 3.1501% | 2,363 |
| Noninterest income to average assets | 0.2664% | 3,577 |
| Noninterest expense to average assets | 2.4521% | 2,075 |
| Loan and lease loss provision to assets | 0.0430% | 1,795 |
| Net operating income to assets | 0.5070% | 3,874 |
| Return on assets (ROA) | 0.5070% | 3,830 |
| Pretax return on assets | 0.6130% | 3,788 |
| Return on Equity (ROE) | 5.6999% | 3,654 |
| Retained earnings to average equity (ytd only) | 5.6999% | 2,434 |
| Net charge-offs to loans | 0.1553% | 410 |
| Credit loss provision to net charge-offs | 50.0000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 7.6333% | 1,850 |
| Efficiency ratio | 78.8940% | 1,026 |
| Assets per employee ($millions) | 5.6677% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 4,130 |
| Loan loss allowance to noncurrent loans | 58.2418% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.9454% | 514 |
| Noncurrent loans to loans | 1.4202% | 532 |
| Net loans and leases to total assets | 56.0592% | 2,746 |
| Net loans and leases to deposits | 68.1752% | 2,379 |
| Net loans and leases to core deposits | 71.3267% | 2,389 |
| Total domestic deposits to total assets | 82.2281% | 3,977 |
| Equity capital to assets | 7.8677% | 3,224 |
| Core capital (leverage) ratio | 10.0099% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6693% | 760 |
| Memoranda: | ||
| Average total assets | $69,817,000 | 4,311 |
| Average earning assets | $62,982,667 | 4,315 |
| Average equity | $6,210,667 | 4,396 |
| Average total loans | $38,630,000 | 4,161 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5640% | 1,606 |
| Cost of funding earning assets | 0.5454% | 387 |
| Net interest margin | 3.0185% | 2,444 |
| Noninterest income to average assets | 0.2489% | 3,655 |
| Noninterest expense to average assets | 2.4155% | 2,108 |
| Loan and lease loss provision to assets | 0.0453% | 1,550 |
| Net operating income to assets | 0.4469% | 3,853 |
| Return on assets (ROA) | 0.4469% | 3,819 |
| Pretax return on assets | 0.5431% | 3,772 |
| Return on Equity (ROE) | 4.7648% | 3,679 |
| Retained earnings to average equity (ytd only) | 4.7648% | 2,677 |
| Net charge-offs to loans | 0.1963% | 315 |
| Credit loss provision to net charge-offs | 42.1053% | 1,222 |
| Earnings coverage of net charge-offs (x) | 5.4737% | 1,598 |
| Efficiency ratio | 80.4143% | 1,120 |
| Assets per employee ($millions) | 6.0593% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8248% | 4,204 |
| Loan loss allowance to noncurrent loans | 58.5766% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 606 |
| Noncurrent loans to loans | 1.4081% | 605 |
| Net loans and leases to total assets | 53.0814% | 2,864 |
| Net loans and leases to deposits | 67.9806% | 2,156 |
| Net loans and leases to core deposits | 71.0700% | 2,204 |
| Total domestic deposits to total assets | 78.0831% | 4,400 |
| Equity capital to assets | 8.5874% | 3,092 |
| Core capital (leverage) ratio | 9.7487% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3719% | 846 |
| Memoranda: | ||
| Average total assets | $70,711,000 | 4,328 |
| Average earning assets | $64,535,000 | 4,321 |
| Average equity | $6,632,000 | 4,398 |
| Average total loans | $38,726,000 | 4,178 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 1,418 |
| Cost of funding earning assets | 0.6542% | 411 |
| Net interest margin | 3.3217% | 2,255 |
| Noninterest income to average assets | 0.3553% | 3,313 |
| Noninterest expense to average assets | 2.6503% | 1,750 |
| Loan and lease loss provision to assets | 0.0758% | 1,604 |
| Net operating income to assets | 0.5226% | 4,032 |
| Return on assets (ROA) | 0.5321% | 4,064 |
| Pretax return on assets | 0.6674% | 4,000 |
| Return on Equity (ROE) | 5.1610% | 3,961 |
| Retained earnings to average equity (ytd only) | 5.1610% | 2,722 |
| Net charge-offs to loans | 0.1926% | 508 |
| Credit loss provision to net charge-offs | 67.1053% | 2,031 |
| Earnings coverage of net charge-offs (x) | 6.4737% | 2,394 |
| Efficiency ratio | 78.3736% | 918 |
| Assets per employee ($millions) | 5.2855% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 4,155 |
| Loan loss allowance to noncurrent loans | 55.8923% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.0697% | 493 |
| Noncurrent loans to loans | 1.5415% | 577 |
| Net loans and leases to total assets | 55.5995% | 2,665 |
| Net loans and leases to deposits | 73.6472% | 1,752 |
| Net loans and leases to core deposits | 76.8734% | 1,850 |
| Total domestic deposits to total assets | 75.4945% | 4,535 |
| Equity capital to assets | 10.2167% | 2,452 |
| Core capital (leverage) ratio | 10.0807% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5452% | 815 |
| Memoranda: | ||
| Average total assets | $67,276,000 | 4,368 |
| Average earning assets | $61,294,600 | 4,372 |
| Average equity | $6,936,600 | 4,429 |
| Average total loans | $39,458,400 | 4,201 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0785% | 1,354 |
| Cost of funding earning assets | 0.6900% | 402 |
| Net interest margin | 3.3885% | 2,186 |
| Noninterest income to average assets | 0.3766% | 3,223 |
| Noninterest expense to average assets | 2.6520% | 1,701 |
| Loan and lease loss provision to assets | 0.0717% | 1,598 |
| Net operating income to assets | 0.5732% | 4,058 |
| Return on assets (ROA) | 0.5858% | 4,077 |
| Pretax return on assets | 0.7412% | 3,999 |
| Return on Equity (ROE) | 5.6681% | 3,992 |
| Retained earnings to average equity (ytd only) | 5.6681% | 2,971 |
| Net charge-offs to loans | 0.1848% | 462 |
| Credit loss provision to net charge-offs | 65.4545% | 1,778 |
| Earnings coverage of net charge-offs (x) | 7.2727% | 2,144 |
| Efficiency ratio | 76.8920% | 968 |
| Assets per employee ($millions) | 5.6917% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 4,240 |
| Loan loss allowance to noncurrent loans | 44.9468% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.3646% | 394 |
| Noncurrent loans to loans | 1.9243% | 467 |
| Net loans and leases to total assets | 56.7218% | 2,646 |
| Net loans and leases to deposits | 75.4891% | 1,715 |
| Net loans and leases to core deposits | 78.4040% | 1,864 |
| Total domestic deposits to total assets | 75.1391% | 4,595 |
| Equity capital to assets | 10.3309% | 2,587 |
| Core capital (leverage) ratio | 9.9665% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0359% | 948 |
| Memoranda: | ||
| Average total assets | $66,917,250 | 4,429 |
| Average earning assets | $60,674,500 | 4,436 |
| Average equity | $6,915,750 | 4,493 |
| Average total loans | $39,689,250 | 4,249 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 1,159 |
| Cost of funding earning assets | 0.7493% | 365 |
| Net interest margin | 3.4670% | 1,955 |
| Noninterest income to average assets | 0.4183% | 3,015 |
| Noninterest expense to average assets | 2.6514% | 1,721 |
| Loan and lease loss provision to assets | 0.1083% | 1,161 |
| Net operating income to assets | 0.6163% | 3,945 |
| Return on assets (ROA) | 0.6139% | 4,007 |
| Pretax return on assets | 0.7885% | 3,893 |
| Return on Equity (ROE) | 5.9397% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.9397% | 2,826 |
| Net charge-offs to loans | -0.0551% | 4,421 |
| Credit loss provision to net charge-offs | -327.2727% | 3,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6610% | 1,190 |
| Assets per employee ($millions) | 5.7303% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 3,829 |
| Loan loss allowance to noncurrent loans | 48.2100% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.3699% | 454 |
| Noncurrent loans to loans | 2.0691% | 457 |
| Net loans and leases to total assets | 58.3110% | 2,628 |
| Net loans and leases to deposits | 77.3357% | 1,695 |
| Net loans and leases to core deposits | 79.1352% | 1,950 |
| Total domestic deposits to total assets | 75.3999% | 4,592 |
| Equity capital to assets | 10.1667% | 2,707 |
| Core capital (leverage) ratio | 10.0318% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9934% | 962 |
| Memoranda: | ||
| Average total assets | $66,456,333 | 4,461 |
| Average earning assets | $60,052,667 | 4,472 |
| Average equity | $6,869,000 | 4,519 |
| Average total loans | $39,892,667 | 4,282 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 1,283 |
| Cost of funding earning assets | 0.8086% | 334 |
| Net interest margin | 3.3439% | 2,266 |
| Noninterest income to average assets | 0.2205% | 4,060 |
| Noninterest expense to average assets | 2.6890% | 1,644 |
| Loan and lease loss provision to assets | 0.1286% | 1,069 |
| Net operating income to assets | 0.3236% | 4,485 |
| Return on assets (ROA) | 0.3185% | 4,528 |
| Pretax return on assets | 0.3859% | 4,502 |
| Return on Equity (ROE) | 3.0552% | 4,464 |
| Retained earnings to average equity (ytd only) | 3.0552% | 3,765 |
| Net charge-offs to loans | 0.0202% | 1,336 |
| Credit loss provision to net charge-offs | 1,050.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 966 |
| Efficiency ratio | 83.7786% | 608 |
| Assets per employee ($millions) | 4.8346% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 4,055 |
| Loan loss allowance to noncurrent loans | 41.8527% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.5144% | 417 |
| Noncurrent loans to loans | 2.2415% | 445 |
| Net loans and leases to total assets | 58.5042% | 2,740 |
| Net loans and leases to deposits | 76.0988% | 1,896 |
| Net loans and leases to core deposits | 77.0344% | 2,263 |
| Total domestic deposits to total assets | 76.8793% | 4,526 |
| Equity capital to assets | 10.0009% | 2,706 |
| Core capital (leverage) ratio | 9.8245% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2534% | 1,031 |
| Memoranda: | ||
| Average total assets | $65,302,500 | 4,492 |
| Average earning assets | $58,374,500 | 4,511 |
| Average equity | $6,808,000 | 4,543 |
| Average total loans | $39,588,500 | 4,315 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 1,111 |
| Cost of funding earning assets | 0.8835% | 903 |
| Net interest margin | 3.7096% | 1,765 |
| Noninterest income to average assets | 0.3731% | 3,250 |
| Noninterest expense to average assets | 2.7449% | 2,101 |
| Loan and lease loss provision to assets | 0.2208% | 1,772 |
| Net operating income to assets | 0.6056% | 3,740 |
| Return on assets (ROA) | 0.6178% | 3,813 |
| Pretax return on assets | 0.8214% | 3,577 |
| Return on Equity (ROE) | 5.5074% | 3,741 |
| Retained earnings to average equity (ytd only) | 5.5074% | 2,038 |
| Net charge-offs to loans | 0.3425% | 509 |
| Credit loss provision to net charge-offs | 94.8529% | 2,890 |
| Earnings coverage of net charge-offs (x) | 4.4118% | 2,988 |
| Efficiency ratio | 72.7768% | 1,599 |
| Assets per employee ($millions) | 4.8401% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 4,159 |
| Loan loss allowance to noncurrent loans | 37.4214% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.7737% | 354 |
| Noncurrent loans to loans | 2.4334% | 421 |
| Net loans and leases to total assets | 61.7393% | 2,645 |
| Net loans and leases to deposits | 82.4549% | 1,608 |
| Net loans and leases to core deposits | 83.5725% | 2,074 |
| Total domestic deposits to total assets | 74.8764% | 4,580 |
| Equity capital to assets | 10.8819% | 2,360 |
| Core capital (leverage) ratio | 9.7250% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8002% | 930 |
| Memoranda: | ||
| Average total assets | $58,436,200 | 4,533 |
| Average earning assets | $53,537,000 | 4,531 |
| Average equity | $6,554,800 | 4,578 |
| Average total loans | $39,711,000 | 4,313 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7359% | 993 |
| Cost of funding earning assets | 0.9072% | 1,044 |
| Net interest margin | 3.8288% | 1,545 |
| Noninterest income to average assets | 0.3815% | 3,176 |
| Noninterest expense to average assets | 2.8171% | 1,929 |
| Loan and lease loss provision to assets | 0.1466% | 2,554 |
| Net operating income to assets | 0.7325% | 3,346 |
| Return on assets (ROA) | 0.7491% | 3,392 |
| Pretax return on assets | 0.9538% | 3,216 |
| Return on Equity (ROE) | 6.6236% | 3,333 |
| Retained earnings to average equity (ytd only) | 6.6236% | 1,839 |
| Net charge-offs to loans | 0.2644% | 583 |
| Credit loss provision to net charge-offs | 79.7468% | 2,760 |
| Earnings coverage of net charge-offs (x) | 5.8734% | 2,700 |
| Efficiency ratio | 72.2985% | 1,610 |
| Assets per employee ($millions) | 4.6422% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 4,111 |
| Loan loss allowance to noncurrent loans | 31.6652% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 2.0149% | 326 |
| Noncurrent loans to loans | 2.8011% | 354 |
| Net loans and leases to total assets | 64.4352% | 2,715 |
| Net loans and leases to deposits | 87.2255% | 1,567 |
| Net loans and leases to core deposits | 89.1635% | 2,044 |
| Total domestic deposits to total assets | 73.8720% | 4,575 |
| Equity capital to assets | 11.2512% | 2,190 |
| Core capital (leverage) ratio | 10.7089% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9408% | 923 |
| Memoranda: | ||
| Average total assets | $57,315,000 | 4,563 |
| Average earning assets | $52,617,500 | 4,566 |
| Average equity | $6,481,750 | 4,610 |
| Average total loans | $39,837,750 | 4,335 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9854% | 844 |
| Cost of funding earning assets | 0.9568% | 1,123 |
| Net interest margin | 4.0286% | 1,259 |
| Noninterest income to average assets | 0.3623% | 3,315 |
| Noninterest expense to average assets | 2.8311% | 2,018 |
| Loan and lease loss provision to assets | 0.1492% | 2,515 |
| Net operating income to assets | 0.8312% | 2,935 |
| Return on assets (ROA) | 0.8312% | 3,050 |
| Pretax return on assets | 1.0763% | 2,786 |
| Return on Equity (ROE) | 7.3366% | 2,993 |
| Retained earnings to average equity (ytd only) | 7.3366% | 1,524 |
| Net charge-offs to loans | 0.2847% | 559 |
| Credit loss provision to net charge-offs | 73.6842% | 2,533 |
| Earnings coverage of net charge-offs (x) | 6.0526% | 2,466 |
| Efficiency ratio | 69.7898% | 1,984 |
| Assets per employee ($millions) | 5.5205% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 4,023 |
| Loan loss allowance to noncurrent loans | 32.5864% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.9234% | 396 |
| Noncurrent loans to loans | 2.7421% | 391 |
| Net loans and leases to total assets | 63.7448% | 2,912 |
| Net loans and leases to deposits | 87.6781% | 1,591 |
| Net loans and leases to core deposits | 89.6394% | 2,101 |
| Total domestic deposits to total assets | 72.7032% | 4,672 |
| Equity capital to assets | 10.9741% | 2,365 |
| Core capital (leverage) ratio | 10.8896% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5425% | 969 |
| Memoranda: | ||
| Average total assets | $56,303,667 | 4,592 |
| Average earning assets | $51,631,000 | 4,597 |
| Average equity | $6,379,000 | 4,643 |
| Average total loans | $40,039,000 | 4,353 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9324% | 1,113 |
| Cost of funding earning assets | 1.0283% | 1,301 |
| Net interest margin | 3.9042% | 1,662 |
| Noninterest income to average assets | 0.3697% | 3,301 |
| Noninterest expense to average assets | 2.9283% | 2,048 |
| Loan and lease loss provision to assets | 0.1553% | 1,849 |
| Net operating income to assets | 0.6729% | 3,357 |
| Return on assets (ROA) | 0.6729% | 3,426 |
| Pretax return on assets | 0.8800% | 3,192 |
| Return on Equity (ROE) | 5.8366% | 3,375 |
| Retained earnings to average equity (ytd only) | 5.8366% | 1,942 |
| Net charge-offs to loans | 0.1382% | 907 |
| Credit loss provision to net charge-offs | 150.0000% | 1,583 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,792 |
| Efficiency ratio | 73.8806% | 1,837 |
| Assets per employee ($millions) | 4.5276% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 4,028 |
| Loan loss allowance to noncurrent loans | 31.5745% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 2.4130% | 295 |
| Noncurrent loans to loans | 2.9204% | 376 |
| Net loans and leases to total assets | 73.3706% | 1,718 |
| Net loans and leases to deposits | 99.9774% | 560 |
| Net loans and leases to core deposits | 103.3282% | 1,225 |
| Total domestic deposits to total assets | 73.3872% | 4,697 |
| Equity capital to assets | 11.4539% | 2,483 |
| Core capital (leverage) ratio | 11.4783% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6358% | 1,046 |
| Memoranda: | ||
| Average total assets | $54,093,000 | 4,641 |
| Average earning assets | $49,793,000 | 4,641 |
| Average equity | $6,236,500 | 4,691 |
| Average total loans | $40,529,500 | 4,364 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 1,660 |
| Cost of funding earning assets | 1.1113% | 1,281 |
| Net interest margin | 3.8191% | 2,444 |
| Noninterest income to average assets | 0.3469% | 3,628 |
| Noninterest expense to average assets | 3.0465% | 1,891 |
| Loan and lease loss provision to assets | 0.1460% | 1,466 |
| Net operating income to assets | 0.5023% | 4,396 |
| Return on assets (ROA) | 0.5232% | 4,401 |
| Pretax return on assets | 0.6730% | 4,277 |
| Return on Equity (ROE) | 4.5855% | 4,325 |
| Retained earnings to average equity (ytd only) | 4.5855% | 2,658 |
| Net charge-offs to loans | 0.1856% | 1,090 |
| Credit loss provision to net charge-offs | 108.4507% | 2,299 |
| Earnings coverage of net charge-offs (x) | 5.8873% | 3,035 |
| Efficiency ratio | 79.3580% | 994 |
| Assets per employee ($millions) | 4.8955% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 3,993 |
| Loan loss allowance to noncurrent loans | 27.5549% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.7057% | 217 |
| Noncurrent loans to loans | 3.2358% | 270 |
| Net loans and leases to total assets | 75.1365% | 1,562 |
| Net loans and leases to deposits | 105.1454% | 329 |
| Net loans and leases to core deposits | 108.7866% | 926 |
| Total domestic deposits to total assets | 71.4596% | 4,883 |
| Equity capital to assets | 11.5747% | 2,466 |
| Core capital (leverage) ratio | 11.0302% | 2,480 |
| Tier 1 risk-based capital ratio | 17.4392% | 1,913 |
| Total risk-based capital ratio | 18.4610% | 1,931 |
| Memoranda: | ||
| Average total assets | $52,748,400 | 4,707 |
| Average earning assets | $48,230,800 | 4,705 |
| Average equity | $6,019,000 | 4,753 |
| Average total loans | $38,245,200 | 4,443 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 1,582 |
| Cost of funding earning assets | 1.1421% | 1,204 |
| Net interest margin | 3.8415% | 2,464 |
| Noninterest income to average assets | 0.3735% | 3,478 |
| Noninterest expense to average assets | 2.9907% | 2,009 |
| Loan and lease loss provision to assets | 0.1423% | 1,354 |
| Net operating income to assets | 0.5868% | 4,326 |
| Return on assets (ROA) | 0.6149% | 4,305 |
| Pretax return on assets | 0.7801% | 4,175 |
| Return on Equity (ROE) | 5.4088% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.4088% | 2,672 |
| Net charge-offs to loans | 0.2589% | 682 |
| Credit loss provision to net charge-offs | 76.7123% | 2,545 |
| Earnings coverage of net charge-offs (x) | 4.7808% | 2,975 |
| Efficiency ratio | 77.1298% | 1,200 |
| Assets per employee ($millions) | 4.0099% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 4,105 |
| Loan loss allowance to noncurrent loans | 29.4883% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.5111% | 272 |
| Noncurrent loans to loans | 3.0043% | 325 |
| Net loans and leases to total assets | 72.9690% | 2,005 |
| Net loans and leases to deposits | 97.2366% | 899 |
| Net loans and leases to core deposits | 99.8740% | 1,661 |
| Total domestic deposits to total assets | 75.0427% | 4,743 |
| Equity capital to assets | 11.8590% | 2,370 |
| Core capital (leverage) ratio | 10.8143% | 2,822 |
| Tier 1 risk-based capital ratio | 18.7631% | 1,620 |
| Total risk-based capital ratio | 19.7959% | 1,645 |
| Memoranda: | ||
| Average total assets | $52,473,000 | 4,781 |
| Average earning assets | $47,861,750 | 4,777 |
| Average equity | $5,965,500 | 4,822 |
| Average total loans | $37,600,250 | 4,520 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0151% | 1,447 |
| Cost of funding earning assets | 1.1776% | 1,056 |
| Net interest margin | 3.8375% | 2,447 |
| Noninterest income to average assets | 0.4298% | 3,071 |
| Noninterest expense to average assets | 2.9779% | 2,065 |
| Loan and lease loss provision to assets | 0.1331% | 1,400 |
| Net operating income to assets | 0.6235% | 4,241 |
| Return on assets (ROA) | 0.6656% | 4,166 |
| Pretax return on assets | 0.8671% | 3,937 |
| Return on Equity (ROE) | 5.9389% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.9389% | 2,307 |
| Net charge-offs to loans | 0.3535% | 472 |
| Credit loss provision to net charge-offs | 53.0303% | 2,449 |
| Earnings coverage of net charge-offs (x) | 3.7727% | 2,797 |
| Efficiency ratio | 75.8721% | 1,411 |
| Assets per employee ($millions) | 4.0271% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 4,140 |
| Loan loss allowance to noncurrent loans | 32.9970% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 2.3266% | 341 |
| Noncurrent loans to loans | 2.6973% | 404 |
| Net loans and leases to total assets | 69.5542% | 2,595 |
| Net loans and leases to deposits | 87.2481% | 2,095 |
| Net loans and leases to core deposits | 88.7451% | 2,728 |
| Total domestic deposits to total assets | 79.7200% | 4,092 |
| Equity capital to assets | 11.5927% | 2,531 |
| Core capital (leverage) ratio | 11.1466% | 2,459 |
| Tier 1 risk-based capital ratio | 19.5433% | 1,428 |
| Total risk-based capital ratio | 20.5891% | 1,443 |
| Memoranda: | ||
| Average total assets | $52,587,670 | 4,811 |
| Average earning assets | $47,895,670 | 4,810 |
| Average equity | $5,893,330 | 4,861 |
| Average total loans | $37,341,000 | 4,563 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9637% | 1,430 |
| Cost of funding earning assets | 1.0345% | 1,432 |
| Net interest margin | 3.9293% | 2,097 |
| Noninterest income to average assets | 0.2277% | 4,379 |
| Noninterest expense to average assets | 2.8232% | 2,487 |
| Loan and lease loss provision to assets | 0.1518% | 1,108 |
| Net operating income to assets | 0.6375% | 4,126 |
| Return on assets (ROA) | 0.6375% | 4,167 |
| Pretax return on assets | 0.8272% | 3,975 |
| Return on Equity (ROE) | 5.7876% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.7876% | 2,549 |
| Net charge-offs to loans | 0.2869% | 514 |
| Credit loss provision to net charge-offs | 74.0741% | 1,823 |
| Earnings coverage of net charge-offs (x) | 4.7778% | 2,304 |
| Efficiency ratio | 74.2515% | 1,723 |
| Assets per employee ($millions) | 4.1058% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 4,061 |
| Loan loss allowance to noncurrent loans | 34.0798% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 2.3831% | 342 |
| Noncurrent loans to loans | 2.7090% | 443 |
| Net loans and leases to total assets | 70.3706% | 2,424 |
| Net loans and leases to deposits | 90.9049% | 1,519 |
| Net loans and leases to core deposits | 97.2604% | 1,835 |
| Total domestic deposits to total assets | 77.4112% | 4,604 |
| Equity capital to assets | 11.0330% | 2,816 |
| Core capital (leverage) ratio | 11.3449% | 2,246 |
| Tier 1 risk-based capital ratio | 18.1642% | 1,752 |
| Total risk-based capital ratio | 19.2266% | 1,761 |
| Memoranda: | ||
| Average total assets | $52,705,500 | 4,859 |
| Average earning assets | $47,948,000 | 4,859 |
| Average equity | $5,805,500 | 4,917 |
| Average total loans | $37,641,500 | 4,600 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 1,977 |
| Cost of funding earning assets | 0.8916% | 1,129 |
| Net interest margin | 3.7629% | 2,809 |
| Noninterest income to average assets | 0.3043% | 4,074 |
| Noninterest expense to average assets | 2.9098% | 2,314 |
| Loan and lease loss provision to assets | 0.1414% | 1,520 |
| Net operating income to assets | 0.5682% | 4,506 |
| Return on assets (ROA) | 0.5713% | 4,503 |
| Pretax return on assets | 0.7127% | 4,383 |
| Return on Equity (ROE) | 5.2203% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.2203% | 2,653 |
| Net charge-offs to loans | 0.1676% | 1,149 |
| Credit loss provision to net charge-offs | 122.0339% | 2,137 |
| Earnings coverage of net charge-offs (x) | 7.3390% | 3,001 |
| Efficiency ratio | 77.3890% | 1,192 |
| Assets per employee ($millions) | 4.3363% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 3,924 |
| Loan loss allowance to noncurrent loans | 32.3982% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 2.5963% | 281 |
| Noncurrent loans to loans | 2.9568% | 350 |
| Net loans and leases to total assets | 71.1329% | 2,406 |
| Net loans and leases to deposits | 97.5285% | 938 |
| Net loans and leases to core deposits | 103.9602% | 1,420 |
| Total domestic deposits to total assets | 72.9355% | 5,011 |
| Equity capital to assets | 10.9964% | 2,691 |
| Core capital (leverage) ratio | 10.6669% | 2,873 |
| Tier 1 risk-based capital ratio | 18.0432% | 1,746 |
| Total risk-based capital ratio | 19.1461% | 1,745 |
| Memoranda: | ||
| Average total assets | $50,932,200 | 4,917 |
| Average earning assets | $46,772,200 | 4,918 |
| Average equity | $5,574,400 | 4,958 |
| Average total loans | $35,202,200 | 4,681 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6522% | 1,825 |
| Cost of funding earning assets | 0.8737% | 1,023 |
| Net interest margin | 3.7785% | 2,718 |
| Noninterest income to average assets | 0.2922% | 4,199 |
| Noninterest expense to average assets | 3.0769% | 1,822 |
| Loan and lease loss provision to assets | 0.1395% | 1,434 |
| Net operating income to assets | 0.4562% | 4,845 |
| Return on assets (ROA) | 0.4606% | 4,844 |
| Pretax return on assets | 0.5527% | 4,813 |
| Return on Equity (ROE) | 4.2136% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.2136% | 3,667 |
| Net charge-offs to loans | 0.1462% | 1,129 |
| Credit loss provision to net charge-offs | 139.4737% | 1,811 |
| Earnings coverage of net charge-offs (x) | 6.8678% | 2,845 |
| Efficiency ratio | 81.7483% | 795 |
| Assets per employee ($millions) | 4.2293% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 3,636 |
| Loan loss allowance to noncurrent loans | 21.7260% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 3.7753% | 139 |
| Noncurrent loans to loans | 4.7007% | 149 |
| Net loans and leases to total assets | 68.7474% | 2,830 |
| Net loans and leases to deposits | 92.4410% | 1,571 |
| Net loans and leases to core deposits | 93.3062% | 2,369 |
| Total domestic deposits to total assets | 74.3690% | 4,946 |
| Equity capital to assets | 10.9220% | 2,730 |
| Core capital (leverage) ratio | 10.3730% | 3,209 |
| Tier 1 risk-based capital ratio | 18.2590% | 1,727 |
| Total risk-based capital ratio | 19.4218% | 1,702 |
| Memoranda: | ||
| Average total assets | $50,656,500 | 4,978 |
| Average earning assets | $46,542,750 | 4,975 |
| Average equity | $5,537,500 | 5,020 |
| Average total loans | $34,659,750 | 4,746 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6492% | 1,644 |
| Cost of funding earning assets | 0.8492% | 924 |
| Net interest margin | 3.8000% | 2,566 |
| Noninterest income to average assets | 0.3081% | 4,108 |
| Noninterest expense to average assets | 3.1131% | 1,747 |
| Loan and lease loss provision to assets | 0.1304% | 1,522 |
| Net operating income to assets | 0.4715% | 4,819 |
| Return on assets (ROA) | 0.4780% | 4,805 |
| Pretax return on assets | 0.5728% | 4,780 |
| Return on Equity (ROE) | 4.3716% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.3716% | 3,413 |
| Net charge-offs to loans | 0.1393% | 1,081 |
| Credit loss provision to net charge-offs | 137.5000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 2,555 |
| Efficiency ratio | 81.7427% | 853 |
| Assets per employee ($millions) | 4.5779% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 3,740 |
| Loan loss allowance to noncurrent loans | 49.0305% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.9679% | 552 |
| Noncurrent loans to loans | 2.0704% | 706 |
| Net loans and leases to total assets | 68.5486% | 2,787 |
| Net loans and leases to deposits | 89.6574% | 1,889 |
| Net loans and leases to core deposits | 90.4799% | 2,530 |
| Total domestic deposits to total assets | 76.4561% | 4,804 |
| Equity capital to assets | 11.0332% | 2,608 |
| Core capital (leverage) ratio | 11.0324% | 2,491 |
| Tier 1 risk-based capital ratio | 18.9069% | 1,570 |
| Total risk-based capital ratio | 20.0946% | 1,549 |
| Memoranda: | ||
| Average total assets | $50,625,000 | 5,035 |
| Average earning assets | $46,631,670 | 5,030 |
| Average equity | $5,535,670 | 5,073 |
| Average total loans | $34,463,000 | 4,798 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 1,745 |
| Cost of funding earning assets | 0.8482% | 774 |
| Net interest margin | 3.6925% | 2,829 |
| Noninterest income to average assets | 0.3861% | 3,561 |
| Noninterest expense to average assets | 3.0970% | 1,836 |
| Loan and lease loss provision to assets | 0.1024% | 1,816 |
| Net operating income to assets | 0.4525% | 4,807 |
| Return on assets (ROA) | 0.4649% | 4,784 |
| Pretax return on assets | 0.5989% | 4,687 |
| Return on Equity (ROE) | 4.2711% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.2711% | 3,477 |
| Net charge-offs to loans | 0.1868% | 785 |
| Credit loss provision to net charge-offs | 81.2500% | 1,736 |
| Earnings coverage of net charge-offs (x) | 5.4375% | 2,238 |
| Efficiency ratio | 81.8750% | 957 |
| Assets per employee ($millions) | 5.1886% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 4,095 |
| Loan loss allowance to noncurrent loans | 39.9533% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.9890% | 576 |
| Noncurrent loans to loans | 2.4374% | 567 |
| Net loans and leases to total assets | 67.0258% | 2,888 |
| Net loans and leases to deposits | 84.4779% | 2,342 |
| Net loans and leases to core deposits | 85.2022% | 2,871 |
| Total domestic deposits to total assets | 79.3412% | 4,523 |
| Equity capital to assets | 10.6137% | 2,959 |
| Core capital (leverage) ratio | 10.9520% | 2,488 |
| Tier 1 risk-based capital ratio | 18.9666% | 1,556 |
| Total risk-based capital ratio | 20.1284% | 1,543 |
| Memoranda: | ||
| Average total assets | $50,759,000 | 5,096 |
| Average earning assets | $46,689,500 | 5,086 |
| Average equity | $5,525,500 | 5,132 |
| Average total loans | $34,258,000 | 4,853 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5238% | 1,638 |
| Cost of funding earning assets | 0.8530% | 475 |
| Net interest margin | 3.6708% | 2,913 |
| Noninterest income to average assets | 0.2254% | 4,792 |
| Noninterest expense to average assets | 3.0935% | 1,878 |
| Loan and lease loss provision to assets | 0.0946% | 2,313 |
| Net operating income to assets | 0.3115% | 4,907 |
| Return on assets (ROA) | 0.3864% | 4,748 |
| Pretax return on assets | 0.5052% | 4,922 |
| Return on Equity (ROE) | 3.5071% | 4,686 |
| Retained earnings to average equity (ytd only) | 3.5071% | 3,180 |
| Net charge-offs to loans | 0.2118% | 1,226 |
| Credit loss provision to net charge-offs | 68.1159% | 3,115 |
| Earnings coverage of net charge-offs (x) | 3.6087% | 3,581 |
| Efficiency ratio | 86.0582% | 642 |
| Assets per employee ($millions) | 4.5120% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 3,720 |
| Loan loss allowance to noncurrent loans | 38.9391% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 2.2083% | 466 |
| Noncurrent loans to loans | 2.6529% | 483 |
| Net loans and leases to total assets | 66.5941% | 3,019 |
| Net loans and leases to deposits | 85.9744% | 2,262 |
| Net loans and leases to core deposits | 86.7643% | 2,849 |
| Total domestic deposits to total assets | 77.4581% | 4,799 |
| Equity capital to assets | 11.1702% | 2,465 |
| Core capital (leverage) ratio | 10.1994% | 3,190 |
| Tier 1 risk-based capital ratio | 19.5387% | 1,408 |
| Total risk-based capital ratio | 20.7667% | 1,385 |
| Memoranda: | ||
| Average total assets | $49,684,200 | 5,163 |
| Average earning assets | $45,603,600 | 5,156 |
| Average equity | $5,474,600 | 5,188 |
| Average total loans | $32,575,200 | 4,947 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 1,542 |
| Cost of funding earning assets | 0.8508% | 452 |
| Net interest margin | 3.6869% | 2,795 |
| Noninterest income to average assets | 0.1958% | 5,030 |
| Noninterest expense to average assets | 3.0531% | 1,948 |
| Loan and lease loss provision to assets | 0.0483% | 3,130 |
| Net operating income to assets | 0.3665% | 5,070 |
| Return on assets (ROA) | 0.4346% | 4,949 |
| Pretax return on assets | 0.5661% | 4,900 |
| Return on Equity (ROE) | 3.9579% | 4,866 |
| Retained earnings to average equity (ytd only) | 3.9579% | 3,565 |
| Net charge-offs to loans | 0.1442% | 1,384 |
| Credit loss provision to net charge-offs | 51.4286% | 2,898 |
| Earnings coverage of net charge-offs (x) | 5.5995% | 3,083 |
| Efficiency ratio | 85.3073% | 668 |
| Assets per employee ($millions) | 4.4685% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,675 |
| Loan loss allowance to noncurrent loans | 42.3030% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.9897% | 653 |
| Noncurrent loans to loans | 2.5260% | 598 |
| Net loans and leases to total assets | 65.7356% | 3,140 |
| Net loans and leases to deposits | 85.4517% | 2,370 |
| Net loans and leases to core deposits | 86.2501% | 2,942 |
| Total domestic deposits to total assets | 76.9271% | 4,908 |
| Equity capital to assets | 11.3604% | 2,507 |
| Core capital (leverage) ratio | 10.1295% | 3,407 |
| Tier 1 risk-based capital ratio | 20.0563% | 1,349 |
| Total risk-based capital ratio | 21.3069% | 1,317 |
| Memoranda: | ||
| Average total assets | $49,697,250 | 5,219 |
| Average earning assets | $45,602,000 | 5,215 |
| Average equity | $5,457,250 | 5,249 |
| Average total loans | $32,369,750 | 4,999 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4979% | 1,513 |
| Cost of funding earning assets | 0.8357% | 433 |
| Net interest margin | 3.6622% | 2,784 |
| Noninterest income to average assets | 0.1844% | 5,129 |
| Noninterest expense to average assets | 3.1075% | 1,824 |
| Loan and lease loss provision to assets | 0.0481% | 3,030 |
| Net operating income to assets | 0.3063% | 5,206 |
| Return on assets (ROA) | 0.3609% | 5,090 |
| Pretax return on assets | 0.4531% | 5,081 |
| Return on Equity (ROE) | 3.3241% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.3241% | 3,736 |
| Net charge-offs to loans | 0.1363% | 1,341 |
| Credit loss provision to net charge-offs | 54.5455% | 2,510 |
| Earnings coverage of net charge-offs (x) | 4.9091% | 2,878 |
| Efficiency ratio | 87.7690% | 562 |
| Assets per employee ($millions) | 4.1918% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 3,607 |
| Loan loss allowance to noncurrent loans | 51.1461% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.6839% | 865 |
| Noncurrent loans to loans | 2.1421% | 763 |
| Net loans and leases to total assets | 64.0703% | 3,377 |
| Net loans and leases to deposits | 82.4267% | 2,659 |
| Net loans and leases to core deposits | 83.1712% | 3,158 |
| Total domestic deposits to total assets | 77.7301% | 4,859 |
| Equity capital to assets | 10.9918% | 2,814 |
| Core capital (leverage) ratio | 10.7847% | 2,618 |
| Tier 1 risk-based capital ratio | 20.3720% | 1,294 |
| Total risk-based capital ratio | 21.6231% | 1,269 |
| Memoranda: | ||
| Average total assets | $49,878,670 | 5,251 |
| Average earning assets | $45,710,670 | 5,245 |
| Average equity | $5,415,000 | 5,292 |
| Average total loans | $32,273,000 | 5,032 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 1,418 |
| Cost of funding earning assets | 0.8142% | 447 |
| Net interest margin | 3.6683% | 2,615 |
| Noninterest income to average assets | 0.1933% | 5,114 |
| Noninterest expense to average assets | 3.0765% | 1,930 |
| Loan and lease loss provision to assets | 0.0483% | 2,845 |
| Net operating income to assets | 0.3544% | 5,064 |
| Return on assets (ROA) | 0.3544% | 5,084 |
| Pretax return on assets | 0.4429% | 5,073 |
| Return on Equity (ROE) | 3.2848% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.2848% | 3,791 |
| Net charge-offs to loans | 0.0996% | 1,376 |
| Credit loss provision to net charge-offs | 75.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 7.6250% | 2,118 |
| Efficiency ratio | 86.2302% | 792 |
| Assets per employee ($millions) | 4.1568% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 3,490 |
| Loan loss allowance to noncurrent loans | 51.9203% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.6900% | 890 |
| Noncurrent loans to loans | 2.1866% | 778 |
| Net loans and leases to total assets | 63.7224% | 3,310 |
| Net loans and leases to deposits | 81.2090% | 2,602 |
| Net loans and leases to core deposits | 82.4925% | 3,040 |
| Total domestic deposits to total assets | 78.4672% | 4,914 |
| Equity capital to assets | 10.8255% | 2,830 |
| Core capital (leverage) ratio | 10.8109% | 2,587 |
| Tier 1 risk-based capital ratio | 20.0889% | 1,373 |
| Total risk-based capital ratio | 21.3395% | 1,344 |
| Memoranda: | ||
| Average total assets | $49,667,500 | 5,318 |
| Average earning assets | $45,688,500 | 5,298 |
| Average equity | $5,358,000 | 5,349 |
| Average total loans | $32,117,000 | 5,089 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 1,263 |
| Cost of funding earning assets | 0.7885% | 536 |
| Net interest margin | 3.8192% | 2,250 |
| Noninterest income to average assets | 0.1338% | 5,517 |
| Noninterest expense to average assets | 3.1992% | 1,790 |
| Loan and lease loss provision to assets | 0.1066% | 2,269 |
| Net operating income to assets | 0.2560% | 5,312 |
| Return on assets (ROA) | 0.4956% | 4,724 |
| Pretax return on assets | 0.6252% | 4,722 |
| Return on Equity (ROE) | 4.4374% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.4374% | 2,755 |
| Net charge-offs to loans | 0.1827% | 1,516 |
| Credit loss provision to net charge-offs | 91.0714% | 2,776 |
| Earnings coverage of net charge-offs (x) | 3.6607% | 3,625 |
| Efficiency ratio | 87.9539% | 683 |
| Assets per employee ($millions) | 4.4957% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 3,469 |
| Loan loss allowance to noncurrent loans | 47.2938% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 1.8523% | 780 |
| Noncurrent loans to loans | 2.4187% | 658 |
| Net loans and leases to total assets | 64.1336% | 3,341 |
| Net loans and leases to deposits | 82.8137% | 2,572 |
| Net loans and leases to core deposits | 84.7229% | 2,952 |
| Total domestic deposits to total assets | 77.4432% | 5,057 |
| Equity capital to assets | 10.7496% | 2,869 |
| Core capital (leverage) ratio | 10.7732% | 2,559 |
| Tier 1 risk-based capital ratio | 20.2725% | 1,329 |
| Total risk-based capital ratio | 21.5273% | 1,303 |
| Memoranda: | ||
| Average total assets | $47,824,800 | 5,389 |
| Average earning assets | $43,752,400 | 5,381 |
| Average equity | $5,341,000 | 5,402 |
| Average total loans | $30,644,800 | 5,169 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 1,162 |
| Cost of funding earning assets | 0.7747% | 562 |
| Net interest margin | 3.8860% | 2,020 |
| Noninterest income to average assets | 0.1659% | 5,437 |
| Noninterest expense to average assets | 3.2083% | 1,757 |
| Loan and lease loss provision to assets | 0.1265% | 1,849 |
| Net operating income to assets | 0.2765% | 5,329 |
| Return on assets (ROA) | 0.3655% | 5,211 |
| Pretax return on assets | 0.5089% | 5,103 |
| Return on Equity (ROE) | 3.2415% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.2415% | 3,966 |
| Net charge-offs to loans | 0.1013% | 1,933 |
| Credit loss provision to net charge-offs | 195.6522% | 1,464 |
| Earnings coverage of net charge-offs (x) | 7.9120% | 2,829 |
| Efficiency ratio | 86.0922% | 813 |
| Assets per employee ($millions) | 4.4256% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,853 |
| Loan loss allowance to noncurrent loans | 44.8747% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 2.3130% | 620 |
| Noncurrent loans to loans | 2.8260% | 566 |
| Net loans and leases to total assets | 63.0110% | 3,523 |
| Net loans and leases to deposits | 82.1439% | 2,714 |
| Net loans and leases to core deposits | 84.0826% | 3,111 |
| Total domestic deposits to total assets | 76.7080% | 5,134 |
| Equity capital to assets | 11.1540% | 2,849 |
| Core capital (leverage) ratio | 10.7212% | 2,761 |
| Tier 1 risk-based capital ratio | 20.8922% | 1,291 |
| Total risk-based capital ratio | 22.1471% | 1,267 |
| Memoranda: | ||
| Average total assets | $47,417,750 | 5,452 |
| Average earning assets | $43,367,750 | 5,446 |
| Average equity | $5,347,250 | 5,464 |
| Average total loans | $30,285,250 | 5,228 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 1,052 |
| Cost of funding earning assets | 0.7604% | 596 |
| Net interest margin | 3.9373% | 1,851 |
| Noninterest income to average assets | 0.1489% | 5,556 |
| Noninterest expense to average assets | 3.1705% | 1,887 |
| Loan and lease loss provision to assets | 0.1277% | 1,784 |
| Net operating income to assets | 0.3123% | 5,287 |
| Return on assets (ROA) | 0.3788% | 5,179 |
| Pretax return on assets | 0.5362% | 5,058 |
| Return on Equity (ROE) | 3.3461% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.3461% | 3,769 |
| Net charge-offs to loans | 0.1332% | 1,530 |
| Credit loss provision to net charge-offs | 150.0000% | 1,584 |
| Earnings coverage of net charge-offs (x) | 6.7000% | 2,713 |
| Efficiency ratio | 84.5279% | 1,003 |
| Assets per employee ($millions) | 4.4059% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 3,038 |
| Loan loss allowance to noncurrent loans | 57.8788% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.0489% | 794 |
| Noncurrent loans to loans | 2.1706% | 876 |
| Net loans and leases to total assets | 61.9499% | 3,634 |
| Net loans and leases to deposits | 80.8836% | 2,829 |
| Net loans and leases to core deposits | 82.8043% | 3,195 |
| Total domestic deposits to total assets | 76.5914% | 5,208 |
| Equity capital to assets | 11.1709% | 2,880 |
| Core capital (leverage) ratio | 10.7275% | 2,719 |
| Tier 1 risk-based capital ratio | 21.3063% | 1,223 |
| Total risk-based capital ratio | 22.5605% | 1,204 |
| Memoranda: | ||
| Average total assets | $46,996,330 | 5,521 |
| Average earning assets | $42,872,330 | 5,522 |
| Average equity | $5,319,670 | 5,519 |
| Average total loans | $30,024,000 | 5,294 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 849 |
| Cost of funding earning assets | 0.7221% | 724 |
| Net interest margin | 4.0762% | 1,410 |
| Noninterest income to average assets | 0.1643% | 5,511 |
| Noninterest expense to average assets | 3.1559% | 1,941 |
| Loan and lease loss provision to assets | 0.1297% | 1,628 |
| Net operating income to assets | 0.4124% | 4,958 |
| Return on assets (ROA) | 0.4064% | 5,053 |
| Pretax return on assets | 0.5793% | 4,881 |
| Return on Equity (ROE) | 3.5657% | 5,040 |
| Retained earnings to average equity (ytd only) | 3.5657% | 3,712 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2500% | 1,454 |
| Assets per employee ($millions) | 3.8891% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,967 |
| Loan loss allowance to noncurrent loans | 55.2068% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 2.4470% | 618 |
| Noncurrent loans to loans | 2.3357% | 848 |
| Net loans and leases to total assets | 63.4790% | 3,324 |
| Net loans and leases to deposits | 84.7518% | 2,221 |
| Net loans and leases to core deposits | 86.8870% | 2,666 |
| Total domestic deposits to total assets | 74.8998% | 5,529 |
| Equity capital to assets | 11.3566% | 2,572 |
| Core capital (leverage) ratio | 11.0335% | 2,377 |
| Tier 1 risk-based capital ratio | 21.2657% | 1,269 |
| Total risk-based capital ratio | 22.5206% | 1,243 |
| Memoranda: | ||
| Average total assets | $46,262,000 | 5,588 |
| Average earning assets | $42,098,000 | 5,592 |
| Average equity | $5,272,500 | 5,562 |
| Average total loans | $29,833,000 | 5,344 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8131% | 904 |
| Cost of funding earning assets | 0.7527% | 631 |
| Net interest margin | 4.0605% | 1,526 |
| Noninterest income to average assets | 0.1424% | 5,700 |
| Noninterest expense to average assets | 3.3103% | 1,697 |
| Loan and lease loss provision to assets | 0.2069% | 1,026 |
| Net operating income to assets | 0.1973% | 5,579 |
| Return on assets (ROA) | 0.2069% | 5,621 |
| Pretax return on assets | 0.2870% | 5,543 |
| Return on Equity (ROE) | 1.7846% | 5,626 |
| Retained earnings to average equity (ytd only) | 1.7846% | 4,714 |
| Net charge-offs to loans | 0.6084% | 396 |
| Credit loss provision to net charge-offs | 52.8409% | 3,366 |
| Earnings coverage of net charge-offs (x) | 1.2273% | 4,123 |
| Efficiency ratio | 86.9131% | 917 |
| Assets per employee ($millions) | 3.8213% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 3,138 |
| Loan loss allowance to noncurrent loans | 47.0886% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 2.9790% | 440 |
| Noncurrent loans to loans | 2.6641% | 664 |
| Net loans and leases to total assets | 63.8578% | 3,307 |
| Net loans and leases to deposits | 85.6299% | 2,171 |
| Net loans and leases to core deposits | 87.8337% | 2,618 |
| Total domestic deposits to total assets | 74.5742% | 5,593 |
| Equity capital to assets | 11.4382% | 2,406 |
| Core capital (leverage) ratio | 11.0857% | 2,322 |
| Tier 1 risk-based capital ratio | 21.3218% | 1,245 |
| Total risk-based capital ratio | 22.5757% | 1,228 |
| Memoranda: | ||
| Average total assets | $44,950,000 | 5,659 |
| Average earning assets | $40,389,400 | 5,666 |
| Average equity | $5,211,200 | 5,601 |
| Average total loans | $28,929,200 | 5,406 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 899 |
| Cost of funding earning assets | 0.7540% | 634 |
| Net interest margin | 4.0690% | 1,495 |
| Noninterest income to average assets | 0.1968% | 5,467 |
| Noninterest expense to average assets | 3.2793% | 1,748 |
| Loan and lease loss provision to assets | 0.2295% | 802 |
| Net operating income to assets | 0.2197% | 5,640 |
| Return on assets (ROA) | 0.2236% | 5,701 |
| Pretax return on assets | 0.3458% | 5,564 |
| Return on Equity (ROE) | 1.9221% | 5,683 |
| Retained earnings to average equity (ytd only) | 1.9221% | 4,921 |
| Net charge-offs to loans | 0.7421% | 280 |
| Credit loss provision to net charge-offs | 48.1250% | 3,063 |
| Earnings coverage of net charge-offs (x) | 1.1937% | 3,870 |
| Efficiency ratio | 84.8180% | 1,097 |
| Assets per employee ($millions) | 3.7923% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 3,174 |
| Loan loss allowance to noncurrent loans | 46.3263% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 3.1709% | 451 |
| Noncurrent loans to loans | 2.7750% | 680 |
| Net loans and leases to total assets | 62.7692% | 3,493 |
| Net loans and leases to deposits | 84.4194% | 2,353 |
| Net loans and leases to core deposits | 86.6131% | 2,789 |
| Total domestic deposits to total assets | 74.3540% | 5,681 |
| Equity capital to assets | 11.5167% | 2,496 |
| Core capital (leverage) ratio | 11.2016% | 2,297 |
| Tier 1 risk-based capital ratio | 20.8732% | 1,362 |
| Total risk-based capital ratio | 22.1289% | 1,335 |
| Memoranda: | ||
| Average total assets | $44,723,750 | 5,738 |
| Average earning assets | $40,140,000 | 5,746 |
| Average equity | $5,202,750 | 5,674 |
| Average total loans | $28,748,000 | 5,478 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7603% | 969 |
| Cost of funding earning assets | 0.7574% | 619 |
| Net interest margin | 4.0028% | 1,630 |
| Noninterest income to average assets | 0.1934% | 5,520 |
| Noninterest expense to average assets | 3.3062% | 1,688 |
| Loan and lease loss provision to assets | 0.1304% | 1,697 |
| Net operating income to assets | 0.2535% | 5,572 |
| Return on assets (ROA) | 0.2699% | 5,616 |
| Pretax return on assets | 0.3689% | 5,541 |
| Return on Equity (ROE) | 2.3121% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.3121% | 4,570 |
| Net charge-offs to loans | 0.7948% | 276 |
| Credit loss provision to net charge-offs | 25.4386% | 2,971 |
| Earnings coverage of net charge-offs (x) | 0.9298% | 3,600 |
| Efficiency ratio | 87.0392% | 974 |
| Assets per employee ($millions) | 3.7474% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 3,280 |
| Loan loss allowance to noncurrent loans | 37.7800% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 3.2222% | 478 |
| Noncurrent loans to loans | 3.4226% | 526 |
| Net loans and leases to total assets | 62.9789% | 3,414 |
| Net loans and leases to deposits | 81.1490% | 2,649 |
| Net loans and leases to core deposits | 83.1894% | 3,062 |
| Total domestic deposits to total assets | 77.6090% | 5,357 |
| Equity capital to assets | 11.5613% | 2,363 |
| Core capital (leverage) ratio | 11.2471% | 2,209 |
| Tier 1 risk-based capital ratio | 21.0400% | 1,353 |
| Total risk-based capital ratio | 22.2925% | 1,326 |
| Memoranda: | ||
| Average total assets | $44,462,330 | 5,807 |
| Average earning assets | $39,871,670 | 5,817 |
| Average equity | $5,190,000 | 5,732 |
| Average total loans | $28,685,000 | 5,531 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 777 |
| Cost of funding earning assets | 0.7631% | 612 |
| Net interest margin | 4.0900% | 1,306 |
| Noninterest income to average assets | 0.1176% | 6,009 |
| Noninterest expense to average assets | 3.3115% | 1,695 |
| Loan and lease loss provision to assets | 0.0995% | 2,036 |
| Net operating income to assets | 0.2479% | 5,569 |
| Return on assets (ROA) | 0.2805% | 5,577 |
| Pretax return on assets | 0.3891% | 5,451 |
| Return on Equity (ROE) | 2.3913% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.3913% | 4,496 |
| Net charge-offs to loans | 1.6596% | 109 |
| Credit loss provision to net charge-offs | 9.2437% | 2,436 |
| Earnings coverage of net charge-offs (x) | 0.4118% | 3,060 |
| Efficiency ratio | 87.7108% | 1,040 |
| Assets per employee ($millions) | 3.4152% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 3,856 |
| Loan loss allowance to noncurrent loans | 37.6764% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 3.1849% | 560 |
| Noncurrent loans to loans | 3.2326% | 635 |
| Net loans and leases to total assets | 63.3917% | 3,177 |
| Net loans and leases to deposits | 79.6536% | 2,599 |
| Net loans and leases to core deposits | 81.6289% | 2,994 |
| Total domestic deposits to total assets | 79.5842% | 5,148 |
| Equity capital to assets | 11.7373% | 2,254 |
| Core capital (leverage) ratio | 11.1732% | 2,247 |
| Tier 1 risk-based capital ratio | 21.1701% | 1,385 |
| Total risk-based capital ratio | 22.4202% | 1,363 |
| Memoranda: | ||
| Average total assets | $44,209,000 | 5,861 |
| Average earning assets | $39,315,000 | 5,885 |
| Average equity | $5,185,500 | 5,785 |
| Average total loans | $28,681,500 | 5,570 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 1,036 |
| Cost of funding earning assets | 0.7402% | 895 |
| Net interest margin | 4.0975% | 1,587 |
| Noninterest income to average assets | 0.2529% | 5,322 |
| Noninterest expense to average assets | 3.3126% | 1,899 |
| Loan and lease loss provision to assets | 0.1477% | 1,784 |
| Net operating income to assets | 0.8886% | 2,929 |
| Return on assets (ROA) | 0.9334% | 2,798 |
| Pretax return on assets | 0.5170% | 5,206 |
| Return on Equity (ROE) | 8.5493% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.5493% | 815 |
| Net charge-offs to loans | 0.1887% | 2,163 |
| Credit loss provision to net charge-offs | 124.5283% | 1,923 |
| Earnings coverage of net charge-offs (x) | 5.2264% | 3,478 |
| Efficiency ratio | 83.8361% | 1,429 |
| Assets per employee ($millions) | 3.3862% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 2,173 |
| Loan loss allowance to noncurrent loans | 40.1589% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 3.8868% | 441 |
| Noncurrent loans to loans | 3.9242% | 484 |
| Net loans and leases to total assets | 64.5533% | 3,136 |
| Net loans and leases to deposits | 82.3371% | 2,432 |
| Net loans and leases to core deposits | 86.4501% | 2,649 |
| Total domestic deposits to total assets | 78.4012% | 5,365 |
| Equity capital to assets | 11.7217% | 2,238 |
| Core capital (leverage) ratio | 11.4717% | 1,987 |
| Tier 1 risk-based capital ratio | 21.7378% | 1,260 |
| Total risk-based capital ratio | 22.9968% | 1,238 |
| Memoranda: | ||
| Average total assets | $44,677,400 | 5,914 |
| Average earning assets | $40,122,400 | 5,916 |
| Average equity | $4,877,600 | 5,886 |
| Average total loans | $28,091,200 | 5,648 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8554% | 1,015 |
| Cost of funding earning assets | 0.7267% | 1,009 |
| Net interest margin | 4.1287% | 1,492 |
| Noninterest income to average assets | 0.2676% | 5,292 |
| Noninterest expense to average assets | 3.1428% | 2,342 |
| Loan and lease loss provision to assets | 0.1338% | 1,869 |
| Net operating income to assets | 1.3231% | 1,305 |
| Return on assets (ROA) | 1.3231% | 1,364 |
| Pretax return on assets | 0.7077% | 4,683 |
| Return on Equity (ROE) | 12.3428% | 1,385 |
| Retained earnings to average equity (ytd only) | 12.3428% | 387 |
| Net charge-offs to loans | 0.2294% | 1,670 |
| Credit loss provision to net charge-offs | 93.7500% | 2,360 |
| Earnings coverage of net charge-offs (x) | 5.8956% | 3,177 |
| Efficiency ratio | 78.5075% | 2,110 |
| Assets per employee ($millions) | 3.4402% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 2,544 |
| Loan loss allowance to noncurrent loans | 48.0306% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 3.4837% | 621 |
| Noncurrent loans to loans | 3.2072% | 789 |
| Net loans and leases to total assets | 62.7395% | 3,380 |
| Net loans and leases to deposits | 80.1984% | 2,661 |
| Net loans and leases to core deposits | 84.8011% | 2,800 |
| Total domestic deposits to total assets | 78.2304% | 5,479 |
| Equity capital to assets | 11.5198% | 2,462 |
| Core capital (leverage) ratio | 11.4636% | 2,091 |
| Tier 1 risk-based capital ratio | 21.7906% | 1,292 |
| Total risk-based capital ratio | 23.0502% | 1,273 |
| Memoranda: | ||
| Average total assets | $44,841,500 | 5,981 |
| Average earning assets | $40,366,750 | 5,983 |
| Average equity | $4,807,000 | 5,966 |
| Average total loans | $27,896,000 | 5,708 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 1,085 |
| Cost of funding earning assets | 0.6963% | 1,207 |
| Net interest margin | 4.0937% | 1,537 |
| Noninterest income to average assets | 0.2228% | 5,612 |
| Noninterest expense to average assets | 3.1238% | 2,415 |
| Loan and lease loss provision to assets | 0.0668% | 2,928 |
| Net operating income to assets | 0.5053% | 4,787 |
| Return on assets (ROA) | 0.5303% | 4,777 |
| Pretax return on assets | 0.7620% | 4,412 |
| Return on Equity (ROE) | 5.0725% | 4,638 |
| Retained earnings to average equity (ytd only) | 5.0725% | 2,915 |
| Net charge-offs to loans | 0.2744% | 1,445 |
| Credit loss provision to net charge-offs | 39.4737% | 2,934 |
| Earnings coverage of net charge-offs (x) | 4.6842% | 3,064 |
| Efficiency ratio | 79.4084% | 2,105 |
| Assets per employee ($millions) | 3.8043% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 2,886 |
| Loan loss allowance to noncurrent loans | 47.2379% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 3.5486% | 644 |
| Noncurrent loans to loans | 3.1802% | 893 |
| Net loans and leases to total assets | 60.1770% | 3,683 |
| Net loans and leases to deposits | 74.2607% | 3,289 |
| Net loans and leases to core deposits | 78.2767% | 3,407 |
| Total domestic deposits to total assets | 81.0348% | 4,970 |
| Equity capital to assets | 10.4902% | 3,452 |
| Core capital (leverage) ratio | 10.5612% | 2,875 |
| Tier 1 risk-based capital ratio | 20.4707% | 1,573 |
| Total risk-based capital ratio | 21.7262% | 1,541 |
| Memoranda: | ||
| Average total assets | $44,881,000 | 6,035 |
| Average earning assets | $40,501,330 | 6,034 |
| Average equity | $4,692,000 | 6,038 |
| Average total loans | $27,695,330 | 5,764 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8268% | 992 |
| Cost of funding earning assets | 0.6768% | 1,394 |
| Net interest margin | 4.1501% | 1,345 |
| Noninterest income to average assets | 0.2158% | 5,630 |
| Noninterest expense to average assets | 3.0385% | 2,735 |
| Loan and lease loss provision to assets | 0.0719% | 2,699 |
| Net operating income to assets | 0.5401% | 4,502 |
| Return on assets (ROA) | 0.5574% | 4,501 |
| Pretax return on assets | 0.8810% | 3,773 |
| Return on Equity (ROE) | 5.3408% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.3408% | 2,893 |
| Net charge-offs to loans | 0.2754% | 1,247 |
| Credit loss provision to net charge-offs | 42.1053% | 2,282 |
| Earnings coverage of net charge-offs (x) | 5.4211% | 2,372 |
| Efficiency ratio | 76.1905% | 2,767 |
| Assets per employee ($millions) | 3.7593% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 2,865 |
| Loan loss allowance to noncurrent loans | 65.0075% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 3.0214% | 946 |
| Noncurrent loans to loans | 2.4061% | 1,458 |
| Net loans and leases to total assets | 60.1272% | 3,544 |
| Net loans and leases to deposits | 73.1638% | 3,175 |
| Net loans and leases to core deposits | 77.1094% | 3,295 |
| Total domestic deposits to total assets | 82.1817% | 4,890 |
| Equity capital to assets | 10.4520% | 3,296 |
| Core capital (leverage) ratio | 10.5056% | 2,925 |
| Tier 1 risk-based capital ratio | 20.4854% | 1,589 |
| Total risk-based capital ratio | 21.7442% | 1,558 |
| Memoranda: | ||
| Average total assets | $44,495,500 | 6,103 |
| Average earning assets | $40,192,000 | 6,096 |
| Average equity | $4,643,500 | 6,085 |
| Average total loans | $27,597,500 | 5,825 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7724% | 1,380 |
| Cost of funding earning assets | 0.8390% | 1,002 |
| Net interest margin | 3.9335% | 2,163 |
| Noninterest income to average assets | 0.1731% | 6,048 |
| Noninterest expense to average assets | 3.3475% | 2,008 |
| Loan and lease loss provision to assets | 0.1843% | 1,998 |
| Net operating income to assets | 0.1805% | 5,876 |
| Return on assets (ROA) | 0.5081% | 4,829 |
| Pretax return on assets | 0.5418% | 5,066 |
| Return on Equity (ROE) | 4.9505% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.9505% | 2,625 |
| Net charge-offs to loans | 0.2598% | 2,409 |
| Credit loss provision to net charge-offs | 115.4930% | 2,093 |
| Earnings coverage of net charge-offs (x) | 2.3662% | 4,220 |
| Efficiency ratio | 89.4387% | 1,071 |
| Assets per employee ($millions) | 3.6567% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 2,766 |
| Loan loss allowance to noncurrent loans | 69.6063% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 3.2748% | 922 |
| Noncurrent loans to loans | 2.2974% | 1,678 |
| Net loans and leases to total assets | 61.9827% | 3,364 |
| Net loans and leases to deposits | 77.6487% | 2,771 |
| Net loans and leases to core deposits | 81.4775% | 2,957 |
| Total domestic deposits to total assets | 79.8245% | 5,485 |
| Equity capital to assets | 10.4193% | 3,264 |
| Core capital (leverage) ratio | 10.6096% | 2,772 |
| Tier 1 risk-based capital ratio | 20.2436% | 1,602 |
| Total risk-based capital ratio | 21.5005% | 1,567 |
| Memoranda: | ||
| Average total assets | $44,480,800 | 6,165 |
| Average earning assets | $40,168,200 | 6,163 |
| Average equity | $4,565,200 | 6,182 |
| Average total loans | $27,327,400 | 5,879 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7252% | 1,534 |
| Cost of funding earning assets | 0.8688% | 954 |
| Net interest margin | 3.8564% | 2,436 |
| Noninterest income to average assets | 0.2330% | 5,767 |
| Noninterest expense to average assets | 3.2294% | 2,271 |
| Loan and lease loss provision to assets | 0.2241% | 1,622 |
| Net operating income to assets | 0.1807% | 5,961 |
| Return on assets (ROA) | 0.5049% | 4,936 |
| Pretax return on assets | 0.7170% | 4,629 |
| Return on Equity (ROE) | 4.9377% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.9377% | 3,127 |
| Net charge-offs to loans | 0.3425% | 1,833 |
| Credit loss provision to net charge-offs | 107.1429% | 2,189 |
| Earnings coverage of net charge-offs (x) | 2.2858% | 4,081 |
| Efficiency ratio | 86.7043% | 1,295 |
| Assets per employee ($millions) | 3.6404% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 3,070 |
| Loan loss allowance to noncurrent loans | 62.4642% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 3.5687% | 939 |
| Noncurrent loans to loans | 2.5374% | 1,700 |
| Net loans and leases to total assets | 61.9709% | 3,366 |
| Net loans and leases to deposits | 75.5125% | 3,022 |
| Net loans and leases to core deposits | 79.1417% | 3,215 |
| Total domestic deposits to total assets | 82.0671% | 4,906 |
| Equity capital to assets | 10.2987% | 3,515 |
| Core capital (leverage) ratio | 10.5171% | 2,988 |
| Tier 1 risk-based capital ratio | 20.1331% | 1,706 |
| Total risk-based capital ratio | 21.3900% | 1,675 |
| Memoranda: | ||
| Average total assets | $44,631,000 | 6,233 |
| Average earning assets | $40,209,250 | 6,232 |
| Average equity | $4,563,500 | 6,265 |
| Average total loans | $27,249,250 | 5,938 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 1,590 |
| Cost of funding earning assets | 0.9017% | 888 |
| Net interest margin | 3.7903% | 2,592 |
| Noninterest income to average assets | 0.2225% | 5,853 |
| Noninterest expense to average assets | 3.2127% | 2,318 |
| Loan and lease loss provision to assets | 0.2225% | 1,702 |
| Net operating income to assets | 0.1148% | 6,099 |
| Return on assets (ROA) | 0.5562% | 4,697 |
| Pretax return on assets | 0.8811% | 3,976 |
| Return on Equity (ROE) | 5.4526% | 4,488 |
| Retained earnings to average equity (ytd only) | 5.4526% | 2,772 |
| Net charge-offs to loans | 0.2430% | 2,264 |
| Credit loss provision to net charge-offs | 151.5152% | 1,522 |
| Earnings coverage of net charge-offs (x) | 2.8182% | 3,577 |
| Efficiency ratio | 88.0982% | 1,211 |
| Assets per employee ($millions) | 4.0630% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 3,068 |
| Loan loss allowance to noncurrent loans | 60.5691% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 3.3965% | 1,144 |
| Noncurrent loans to loans | 2.6845% | 1,697 |
| Net loans and leases to total assets | 60.5106% | 3,576 |
| Net loans and leases to deposits | 72.5312% | 3,375 |
| Net loans and leases to core deposits | 75.8768% | 3,557 |
| Total domestic deposits to total assets | 83.4269% | 4,532 |
| Equity capital to assets | 10.1313% | 3,749 |
| Core capital (leverage) ratio | 10.2615% | 3,154 |
| Tier 1 risk-based capital ratio | 19.9244% | 1,739 |
| Total risk-based capital ratio | 21.1849% | 1,701 |
| Memoranda: | ||
| Average total assets | $44,946,330 | 6,260 |
| Average earning assets | $40,366,330 | 6,271 |
| Average equity | $4,585,000 | 6,305 |
| Average total loans | $27,163,000 | 5,973 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6476% | 1,684 |
| Cost of funding earning assets | 0.9414% | 815 |
| Net interest margin | 3.7062% | 2,826 |
| Noninterest income to average assets | 0.3550% | 4,835 |
| Noninterest expense to average assets | 3.3368% | 1,991 |
| Loan and lease loss provision to assets | 0.2219% | 1,668 |
| Net operating income to assets | 0.0387% | 6,281 |
| Return on assets (ROA) | 0.4703% | 4,984 |
| Pretax return on assets | 0.7898% | 4,205 |
| Return on Equity (ROE) | 4.5952% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.5952% | 3,480 |
| Net charge-offs to loans | 0.4741% | 1,262 |
| Credit loss provision to net charge-offs | 78.1250% | 2,179 |
| Earnings coverage of net charge-offs (x) | 1.1875% | 3,430 |
| Efficiency ratio | 90.3382% | 1,116 |
| Assets per employee ($millions) | 3.7505% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 3,513 |
| Loan loss allowance to noncurrent loans | 56.3830% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 3.9506% | 1,019 |
| Noncurrent loans to loans | 2.7900% | 1,817 |
| Net loans and leases to total assets | 58.9455% | 3,617 |
| Net loans and leases to deposits | 68.9083% | 3,649 |
| Net loans and leases to core deposits | 71.9762% | 3,815 |
| Total domestic deposits to total assets | 85.5419% | 3,776 |
| Equity capital to assets | 10.3142% | 3,784 |
| Core capital (leverage) ratio | 9.9411% | 3,472 |
| Tier 1 risk-based capital ratio | 19.5466% | 1,895 |
| Total risk-based capital ratio | 20.8037% | 1,867 |
| Memoranda: | ||
| Average total assets | $45,073,000 | 6,314 |
| Average earning assets | $40,364,500 | 6,327 |
| Average equity | $4,613,500 | 6,362 |
| Average total loans | $26,999,000 | 6,027 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9674% | 1,645 |
| Cost of funding earning assets | 1.1299% | 806 |
| Net interest margin | 3.8376% | 3,071 |
| Noninterest income to average assets | 0.1074% | 6,477 |
| Noninterest expense to average assets | 3.1149% | 2,886 |
| Loan and lease loss provision to assets | 0.1723% | 3,466 |
| Net operating income to assets | 0.2947% | 5,490 |
| Return on assets (ROA) | 0.5370% | 4,789 |
| Pretax return on assets | 0.5639% | 5,095 |
| Return on Equity (ROE) | 5.3516% | 4,501 |
| Retained earnings to average equity (ytd only) | 5.3516% | 2,467 |
| Net charge-offs to loans | 0.6591% | 1,786 |
| Credit loss provision to net charge-offs | 43.0168% | 4,862 |
| Earnings coverage of net charge-offs (x) | 1.2011% | 4,858 |
| Efficiency ratio | 86.1854% | 1,414 |
| Assets per employee ($millions) | 3.7617% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 3,354 |
| Loan loss allowance to noncurrent loans | 54.0100% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 4.3288% | 968 |
| Noncurrent loans to loans | 2.9506% | 1,770 |
| Net loans and leases to total assets | 58.9588% | 3,804 |
| Net loans and leases to deposits | 70.6373% | 3,615 |
| Net loans and leases to core deposits | 73.8539% | 3,802 |
| Total domestic deposits to total assets | 83.4670% | 4,549 |
| Equity capital to assets | 10.1573% | 3,952 |
| Core capital (leverage) ratio | 9.8651% | 3,586 |
| Tier 1 risk-based capital ratio | 18.6899% | 2,051 |
| Total risk-based capital ratio | 19.9488% | 2,013 |
| Memoranda: | ||
| Average total assets | $44,688,800 | 6,355 |
| Average earning assets | $40,624,600 | 6,341 |
| Average equity | $4,484,600 | 6,446 |
| Average total loans | $27,159,800 | 6,073 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0157% | 1,662 |
| Cost of funding earning assets | 1.1678% | 804 |
| Net interest margin | 3.8479% | 3,132 |
| Noninterest income to average assets | 0.0060% | 6,917 |
| Noninterest expense to average assets | 3.0389% | 3,100 |
| Loan and lease loss provision to assets | 0.1047% | 4,265 |
| Net operating income to assets | 0.3383% | 5,481 |
| Return on assets (ROA) | 0.5833% | 4,740 |
| Pretax return on assets | 0.6371% | 5,060 |
| Return on Equity (ROE) | 5.8300% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.8300% | 2,810 |
| Net charge-offs to loans | 0.4070% | 2,467 |
| Credit loss provision to net charge-offs | 42.1687% | 4,569 |
| Earnings coverage of net charge-offs (x) | 1.9157% | 4,304 |
| Efficiency ratio | 86.0426% | 1,373 |
| Assets per employee ($millions) | 4.4802% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 2,918 |
| Loan loss allowance to noncurrent loans | 56.1993% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 4.1873% | 1,139 |
| Noncurrent loans to loans | 3.1404% | 1,767 |
| Net loans and leases to total assets | 60.2562% | 3,725 |
| Net loans and leases to deposits | 71.3595% | 3,694 |
| Net loans and leases to core deposits | 73.0767% | 4,109 |
| Total domestic deposits to total assets | 84.4404% | 4,008 |
| Equity capital to assets | 10.1826% | 4,230 |
| Core capital (leverage) ratio | 9.8498% | 3,752 |
| Tier 1 risk-based capital ratio | 19.1062% | 1,979 |
| Total risk-based capital ratio | 20.3676% | 1,946 |
| Memoranda: | ||
| Average total assets | $44,576,000 | 6,433 |
| Average earning assets | $40,644,500 | 6,411 |
| Average equity | $4,459,500 | 6,524 |
| Average total loans | $27,188,500 | 6,152 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1475% | 1,384 |
| Cost of funding earning assets | 1.2031% | 803 |
| Net interest margin | 3.9445% | 2,732 |
| Noninterest income to average assets | 0.0854% | 6,733 |
| Noninterest expense to average assets | 3.1056% | 2,911 |
| Loan and lease loss provision to assets | 0.1573% | 3,543 |
| Net operating income to assets | 0.3781% | 5,312 |
| Return on assets (ROA) | 0.6562% | 4,344 |
| Pretax return on assets | 0.7236% | 4,760 |
| Return on Equity (ROE) | 6.5984% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.5984% | 2,331 |
| Net charge-offs to loans | 0.6275% | 1,753 |
| Credit loss provision to net charge-offs | 41.1765% | 4,239 |
| Earnings coverage of net charge-offs (x) | 1.5059% | 4,239 |
| Efficiency ratio | 83.8828% | 1,649 |
| Assets per employee ($millions) | 4.4889% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7888% | 2,889 |
| Loan loss allowance to noncurrent loans | 71.8750% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 3.8317% | 1,353 |
| Noncurrent loans to loans | 2.4887% | 2,422 |
| Net loans and leases to total assets | 59.0768% | 3,982 |
| Net loans and leases to deposits | 67.0061% | 4,364 |
| Net loans and leases to core deposits | 68.5458% | 4,722 |
| Total domestic deposits to total assets | 88.1664% | 2,033 |
| Equity capital to assets | 9.9646% | 4,391 |
| Core capital (leverage) ratio | 9.6536% | 3,919 |
| Tier 1 risk-based capital ratio | 19.1241% | 1,932 |
| Total risk-based capital ratio | 20.3835% | 1,910 |
| Memoranda: | ||
| Average total assets | $44,500,670 | 6,476 |
| Average earning assets | $40,563,000 | 6,460 |
| Average equity | $4,425,330 | 6,564 |
| Average total loans | $27,091,000 | 6,199 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 1,457 |
| Cost of funding earning assets | 1.2312% | 843 |
| Net interest margin | 3.9103% | 2,882 |
| Noninterest income to average assets | -0.0181% | 7,120 |
| Noninterest expense to average assets | 2.9973% | 3,259 |
| Loan and lease loss provision to assets | 0.0542% | 4,730 |
| Net operating income to assets | 0.5146% | 4,759 |
| Return on assets (ROA) | 0.8757% | 3,257 |
| Pretax return on assets | 0.8757% | 4,127 |
| Return on Equity (ROE) | 8.8152% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.8152% | 1,657 |
| Net charge-offs to loans | 0.0884% | 3,631 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,748 |
| Efficiency ratio | 83.5443% | 1,732 |
| Assets per employee ($millions) | 4.5142% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9514% | 2,520 |
| Loan loss allowance to noncurrent loans | 57.9348% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 4.3042% | 1,262 |
| Noncurrent loans to loans | 3.3682% | 1,882 |
| Net loans and leases to total assets | 59.3261% | 3,802 |
| Net loans and leases to deposits | 66.3241% | 4,326 |
| Net loans and leases to core deposits | 67.8137% | 4,702 |
| Total domestic deposits to total assets | 89.4489% | 1,398 |
| Equity capital to assets | 9.8113% | 4,356 |
| Core capital (leverage) ratio | 9.5473% | 3,986 |
| Tier 1 risk-based capital ratio | 18.8128% | 2,045 |
| Total risk-based capital ratio | 20.0751% | 2,010 |
| Memoranda: | ||
| Average total assets | $44,306,500 | 6,526 |
| Average earning assets | $40,610,500 | 6,504 |
| Average equity | $4,401,500 | 6,608 |
| Average total loans | $27,135,500 | 6,240 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 1,858 |
| Cost of funding earning assets | 1.6244% | 434 |
| Net interest margin | 3.6283% | 4,618 |
| Noninterest income to average assets | 0.3520% | 4,987 |
| Noninterest expense to average assets | 3.1638% | 2,989 |
| Loan and lease loss provision to assets | 0.2415% | 3,795 |
| Net operating income to assets | 0.2439% | 5,444 |
| Return on assets (ROA) | 0.4852% | 4,696 |
| Pretax return on assets | 0.4919% | 5,017 |
| Return on Equity (ROE) | 5.0970% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.0970% | 2,562 |
| Net charge-offs to loans | 0.1188% | 5,197 |
| Credit loss provision to net charge-offs | 334.3750% | 697 |
| Earnings coverage of net charge-offs (x) | 6.7813% | 2,449 |
| Efficiency ratio | 86.1643% | 1,546 |
| Assets per employee ($millions) | 4.3471% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9772% | 2,348 |
| Loan loss allowance to noncurrent loans | 63.3769% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 4.0901% | 1,400 |
| Noncurrent loans to loans | 3.1198% | 2,072 |
| Net loans and leases to total assets | 60.7854% | 3,831 |
| Net loans and leases to deposits | 68.0855% | 4,443 |
| Net loans and leases to core deposits | 69.1655% | 4,891 |
| Total domestic deposits to total assets | 89.2779% | 1,382 |
| Equity capital to assets | 10.0619% | 4,085 |
| Core capital (leverage) ratio | 9.6145% | 3,843 |
| Tier 1 risk-based capital ratio | 19.4023% | 1,792 |
| Total risk-based capital ratio | 20.6660% | 1,759 |
| Memoranda: | ||
| Average total assets | $44,313,600 | 6,526 |
| Average earning assets | $40,322,000 | 6,515 |
| Average equity | $4,218,200 | 6,692 |
| Average total loans | $26,945,000 | 6,302 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2447% | 2,052 |
| Cost of funding earning assets | 1.6834% | 424 |
| Net interest margin | 3.5612% | 4,937 |
| Noninterest income to average assets | 0.3743% | 4,873 |
| Noninterest expense to average assets | 3.1084% | 3,127 |
| Loan and lease loss provision to assets | 0.2276% | 3,737 |
| Net operating income to assets | 0.2729% | 5,495 |
| Return on assets (ROA) | 0.5839% | 4,344 |
| Pretax return on assets | 0.5929% | 4,834 |
| Return on Equity (ROE) | 6.2210% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.2210% | 2,421 |
| Net charge-offs to loans | 0.0297% | 5,729 |
| Credit loss provision to net charge-offs | 1,266.6667% | 218 |
| Earnings coverage of net charge-offs (x) | 27.9988% | 973 |
| Efficiency ratio | 85.6551% | 1,572 |
| Assets per employee ($millions) | 4.3795% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9685% | 2,423 |
| Loan loss allowance to noncurrent loans | 67.5192% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 4.3544% | 1,387 |
| Noncurrent loans to loans | 2.9155% | 2,392 |
| Net loans and leases to total assets | 60.0388% | 4,120 |
| Net loans and leases to deposits | 67.3877% | 4,707 |
| Net loans and leases to core deposits | 68.4508% | 5,126 |
| Total domestic deposits to total assets | 89.0946% | 1,376 |
| Equity capital to assets | 9.9737% | 4,379 |
| Core capital (leverage) ratio | 9.4158% | 4,282 |
| Tier 1 risk-based capital ratio | 19.1220% | 1,889 |
| Total risk-based capital ratio | 20.3874% | 1,864 |
| Memoranda: | ||
| Average total assets | $44,524,250 | 6,575 |
| Average earning assets | $40,471,750 | 6,563 |
| Average equity | $4,179,250 | 6,757 |
| Average total loans | $26,942,000 | 6,356 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2619% | 2,019 |
| Cost of funding earning assets | 1.7359% | 413 |
| Net interest margin | 3.5259% | 5,036 |
| Noninterest income to average assets | 0.4423% | 4,332 |
| Noninterest expense to average assets | 3.0201% | 3,563 |
| Loan and lease loss provision to assets | 0.3395% | 2,750 |
| Net operating income to assets | 0.2794% | 5,453 |
| Return on assets (ROA) | 0.6165% | 4,106 |
| Pretax return on assets | 0.6299% | 4,648 |
| Return on Equity (ROE) | 6.7050% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.7050% | 2,016 |
| Net charge-offs to loans | 0.0074% | 5,760 |
| Credit loss provision to net charge-offs | 7,600.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 257 |
| Efficiency ratio | 82.3529% | 2,056 |
| Assets per employee ($millions) | 4.4741% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9872% | 2,407 |
| Loan loss allowance to noncurrent loans | 78.0059% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 4.0343% | 1,583 |
| Noncurrent loans to loans | 2.5475% | 2,836 |
| Net loans and leases to total assets | 58.6464% | 4,522 |
| Net loans and leases to deposits | 65.4029% | 5,088 |
| Net loans and leases to core deposits | 66.4060% | 5,457 |
| Total domestic deposits to total assets | 89.6694% | 1,137 |
| Equity capital to assets | 9.5237% | 4,781 |
| Core capital (leverage) ratio | 9.1919% | 4,418 |
| Tier 1 risk-based capital ratio | 19.0202% | 1,840 |
| Total risk-based capital ratio | 20.2784% | 1,797 |
| Memoranda: | ||
| Average total assets | $44,767,330 | 6,628 |
| Average earning assets | $40,670,000 | 6,613 |
| Average equity | $4,116,330 | 6,815 |
| Average total loans | $26,982,000 | 6,414 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 1,952 |
| Cost of funding earning assets | 1.8242% | 342 |
| Net interest margin | 3.4512% | 5,218 |
| Noninterest income to average assets | 0.3930% | 4,762 |
| Noninterest expense to average assets | 3.1532% | 3,061 |
| Loan and lease loss provision to assets | 0.0625% | 5,209 |
| Net operating income to assets | 0.3037% | 5,386 |
| Return on assets (ROA) | 0.8307% | 2,939 |
| Pretax return on assets | 0.8307% | 3,785 |
| Return on Equity (ROE) | 9.1988% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.1988% | 1,318 |
| Net charge-offs to loans | -0.0738% | 6,999 |
| Credit loss provision to net charge-offs | -140.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0863% | 1,412 |
| Assets per employee ($millions) | 4.4866% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 3,229 |
| Loan loss allowance to noncurrent loans | 107.5515% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 4.4354% | 1,468 |
| Noncurrent loans to loans | 1.6132% | 4,058 |
| Net loans and leases to total assets | 59.3300% | 4,399 |
| Net loans and leases to deposits | 65.9555% | 4,985 |
| Net loans and leases to core deposits | 67.3830% | 5,374 |
| Total domestic deposits to total assets | 89.9545% | 1,174 |
| Equity capital to assets | 9.2052% | 4,864 |
| Core capital (leverage) ratio | 9.0502% | 4,529 |
| Tier 1 risk-based capital ratio | 18.2216% | 2,046 |
| Total risk-based capital ratio | 19.4855% | 2,000 |
| Memoranda: | ||
| Average total assets | $44,780,500 | 6,676 |
| Average earning assets | $40,566,000 | 6,663 |
| Average equity | $4,044,000 | 6,876 |
| Average total loans | $27,087,500 | 6,466 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3749% | 2,786 |
| Cost of funding earning assets | 2.3021% | 208 |
| Net interest margin | 3.0728% | 6,590 |
| Noninterest income to average assets | 0.0441% | 7,137 |
| Noninterest expense to average assets | 4.2336% | 871 |
| Loan and lease loss provision to assets | 0.6202% | 2,654 |
| Net operating income to assets | -2.0815% | 7,078 |
| Return on assets (ROA) | -2.0815% | 7,088 |
| Pretax return on assets | -2.0815% | 7,049 |
| Return on Equity (ROE) | -20.1608% | 7,040 |
| Retained earnings to average equity (ytd only) | -20.1608% | 7,014 |
| Net charge-offs to loans | 0.8363% | 2,540 |
| Credit loss provision to net charge-offs | 122.1739% | 3,426 |
| Earnings coverage of net charge-offs (x) | -2.8783% | 6,737 |
| Efficiency ratio | 125.3981% | 354 |
| Assets per employee ($millions) | 4.0632% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 3,247 |
| Loan loss allowance to noncurrent loans | 84.5018% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 4.7298% | 1,389 |
| Noncurrent loans to loans | 2.0010% | 3,562 |
| Net loans and leases to total assets | 59.5771% | 4,750 |
| Net loans and leases to deposits | 65.9664% | 5,406 |
| Net loans and leases to core deposits | 67.3922% | 5,727 |
| Total domestic deposits to total assets | 90.3144% | 928 |
| Equity capital to assets | 8.8556% | 5,344 |
| Core capital (leverage) ratio | 8.7846% | 4,880 |
| Tier 1 risk-based capital ratio | 18.1636% | 1,948 |
| Total risk-based capital ratio | 19.4213% | 1,911 |
| Memoranda: | ||
| Average total assets | $45,304,400 | 6,689 |
| Average earning assets | $40,224,200 | 6,703 |
| Average equity | $4,677,400 | 6,764 |
| Average total loans | $27,501,200 | 6,527 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4296% | 2,743 |
| Cost of funding earning assets | 2.3298% | 245 |
| Net interest margin | 3.0998% | 6,615 |
| Noninterest income to average assets | 0.1115% | 6,987 |
| Noninterest expense to average assets | 3.1238% | 3,222 |
| Loan and lease loss provision to assets | 0.2112% | 4,953 |
| Net operating income to assets | -0.4840% | 6,580 |
| Return on assets (ROA) | -0.4840% | 6,623 |
| Pretax return on assets | -0.4840% | 6,538 |
| Return on Equity (ROE) | -4.5291% | 6,610 |
| Retained earnings to average equity (ytd only) | -4.5291% | 6,517 |
| Net charge-offs to loans | 0.7921% | 2,464 |
| Credit loss provision to net charge-offs | 43.9024% | 5,971 |
| Earnings coverage of net charge-offs (x) | -0.5671% | 6,353 |
| Efficiency ratio | 107.2016% | 576 |
| Assets per employee ($millions) | 4.5507% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 5,792 |
| Loan loss allowance to noncurrent loans | 57.0652% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 4.8366% | 1,354 |
| Noncurrent loans to loans | 1.9868% | 3,699 |
| Net loans and leases to total assets | 60.3621% | 4,838 |
| Net loans and leases to deposits | 68.1275% | 5,400 |
| Net loans and leases to core deposits | 68.7240% | 5,873 |
| Total domestic deposits to total assets | 88.6018% | 1,623 |
| Equity capital to assets | 10.5522% | 3,462 |
| Core capital (leverage) ratio | 9.8837% | 3,380 |
| Tier 1 risk-based capital ratio | 19.3621% | 1,672 |
| Total risk-based capital ratio | 20.6126% | 1,639 |
| Memoranda: | ||
| Average total assets | $45,456,750 | 6,764 |
| Average earning assets | $40,173,750 | 6,790 |
| Average equity | $4,857,250 | 6,795 |
| Average total loans | $27,605,000 | 6,610 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3811% | 3,058 |
| Cost of funding earning assets | 2.3431% | 292 |
| Net interest margin | 3.0381% | 6,750 |
| Noninterest income to average assets | 0.0836% | 7,165 |
| Noninterest expense to average assets | 3.1866% | 2,954 |
| Loan and lease loss provision to assets | 0.3169% | 3,844 |
| Net operating income to assets | -0.7262% | 6,822 |
| Return on assets (ROA) | -0.7262% | 6,835 |
| Pretax return on assets | -0.7262% | 6,741 |
| Return on Equity (ROE) | -6.7683% | 6,822 |
| Retained earnings to average equity (ytd only) | -6.7683% | 6,721 |
| Net charge-offs to loans | 0.7551% | 2,355 |
| Credit loss provision to net charge-offs | 69.2308% | 4,990 |
| Earnings coverage of net charge-offs (x) | -0.8942% | 6,099 |
| Efficiency ratio | 112.2029% | 512 |
| Assets per employee ($millions) | 4.1568% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 4,571 |
| Loan loss allowance to noncurrent loans | 57.8704% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 5.0847% | 1,254 |
| Noncurrent loans to loans | 2.3703% | 3,292 |
| Net loans and leases to total assets | 58.9677% | 5,255 |
| Net loans and leases to deposits | 66.3901% | 5,759 |
| Net loans and leases to core deposits | 66.9672% | 6,158 |
| Total domestic deposits to total assets | 88.8201% | 1,537 |
| Equity capital to assets | 10.5019% | 3,404 |
| Core capital (leverage) ratio | 9.8305% | 3,365 |
| Tier 1 risk-based capital ratio | 19.5505% | 1,596 |
| Total risk-based capital ratio | 20.8065% | 1,566 |
| Memoranda: | ||
| Average total assets | $45,440,000 | 6,811 |
| Average earning assets | $40,289,000 | 6,834 |
| Average equity | $4,875,670 | 6,823 |
| Average total loans | $27,545,330 | 6,659 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4960% | 2,594 |
| Cost of funding earning assets | 2.3697% | 336 |
| Net interest margin | 3.1264% | 6,528 |
| Noninterest income to average assets | 0.0265% | 7,575 |
| Noninterest expense to average assets | 3.2055% | 2,840 |
| Loan and lease loss provision to assets | 0.5740% | 2,199 |
| Net operating income to assets | -0.9802% | 7,094 |
| Return on assets (ROA) | -0.9802% | 7,121 |
| Pretax return on assets | -0.9802% | 7,038 |
| Return on Equity (ROE) | -9.0382% | 7,097 |
| Retained earnings to average equity (ytd only) | -9.0382% | 6,900 |
| Net charge-offs to loans | 1.4612% | 1,182 |
| Credit loss provision to net charge-offs | 64.3564% | 4,219 |
| Earnings coverage of net charge-offs (x) | -0.4554% | 5,266 |
| Efficiency ratio | 111.9874% | 560 |
| Assets per employee ($millions) | 3.2697% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 4,645 |
| Loan loss allowance to noncurrent loans | 44.7527% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 4.9786% | 1,296 |
| Noncurrent loans to loans | 3.0310% | 2,646 |
| Net loans and leases to total assets | 58.9392% | 5,293 |
| Net loans and leases to deposits | 66.5877% | 5,761 |
| Net loans and leases to core deposits | 67.1612% | 6,188 |
| Total domestic deposits to total assets | 88.5136% | 1,780 |
| Equity capital to assets | 10.6104% | 3,135 |
| Core capital (leverage) ratio | 9.9895% | 3,173 |
| Tier 1 risk-based capital ratio | 19.8389% | 1,553 |
| Total risk-based capital ratio | 21.0957% | 1,517 |
| Memoranda: | ||
| Average total assets | $45,297,500 | 6,900 |
| Average earning assets | $40,174,500 | 6,922 |
| Average equity | $4,912,500 | 6,874 |
| Average total loans | $27,649,000 | 6,739 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6890% | 3,160 |
| Cost of funding earning assets | 2.8216% | 415 |
| Net interest margin | 2.8674% | 6,924 |
| Noninterest income to average assets | -0.2157% | 7,863 |
| Noninterest expense to average assets | 3.4053% | 2,664 |
| Loan and lease loss provision to assets | 0.2372% | 5,477 |
| Net operating income to assets | -0.7979% | 6,435 |
| Return on assets (ROA) | -0.7979% | 6,432 |
| Pretax return on assets | -1.2940% | 6,592 |
| Return on Equity (ROE) | -7.2809% | 6,408 |
| Retained earnings to average equity (ytd only) | -7.2809% | 6,270 |
| Net charge-offs to loans | 0.5028% | 3,764 |
| Credit loss provision to net charge-offs | 79.7101% | 6,284 |
| Earnings coverage of net charge-offs (x) | -3.5507% | 7,076 |
| Efficiency ratio | 141.4141% | 371 |
| Assets per employee ($millions) | 3.4476% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 3,942 |
| Loan loss allowance to noncurrent loans | 54.3391% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 4.9666% | 1,245 |
| Noncurrent loans to loans | 2.6801% | 2,863 |
| Net loans and leases to total assets | 61.4472% | 5,119 |
| Net loans and leases to deposits | 69.7498% | 5,637 |
| Net loans and leases to core deposits | 79.5931% | 6,138 |
| Total domestic deposits to total assets | 88.0966% | 1,924 |
| Equity capital to assets | 11.0846% | 2,641 |
| Core capital (leverage) ratio | 10.3765% | 2,711 |
| Tier 1 risk-based capital ratio | 20.1337% | 1,437 |
| Total risk-based capital ratio | 21.3921% | 1,399 |
| Memoranda: | ||
| Average total assets | $46,369,000 | 6,854 |
| Average earning assets | $41,466,200 | 6,889 |
| Average equity | $5,081,800 | 6,912 |
| Average total loans | $27,446,600 | 6,775 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6782% | 3,444 |
| Cost of funding earning assets | 2.9060% | 446 |
| Net interest margin | 2.7722% | 7,097 |
| Noninterest income to average assets | -0.2680% | 8,004 |
| Noninterest expense to average assets | 3.4162% | 2,527 |
| Loan and lease loss provision to assets | 0.0513% | 6,862 |
| Net operating income to assets | -1.2547% | 6,990 |
| Return on assets (ROA) | -1.2547% | 6,996 |
| Pretax return on assets | -1.2547% | 6,839 |
| Return on Equity (ROE) | -11.4799% | 6,988 |
| Retained earnings to average equity (ytd only) | -11.4799% | 6,917 |
| Net charge-offs to loans | 0.4929% | 3,258 |
| Credit loss provision to net charge-offs | 17.8218% | 6,588 |
| Earnings coverage of net charge-offs (x) | -4.1783% | 6,834 |
| Efficiency ratio | 150.6443% | 313 |
| Assets per employee ($millions) | 3.2629% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 4,856 |
| Loan loss allowance to noncurrent loans | 41.9048% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 5.2516% | 1,104 |
| Noncurrent loans to loans | 2.9761% | 2,539 |
| Net loans and leases to total assets | 61.0166% | 5,422 |
| Net loans and leases to deposits | 68.9329% | 6,033 |
| Net loans and leases to core deposits | 79.2545% | 6,402 |
| Total domestic deposits to total assets | 88.5160% | 1,428 |
| Equity capital to assets | 10.7222% | 3,270 |
| Core capital (leverage) ratio | 9.8718% | 3,433 |
| Tier 1 risk-based capital ratio | 19.5632% | 1,637 |
| Total risk-based capital ratio | 20.8180% | 1,593 |
| Memoranda: | ||
| Average total assets | $46,756,500 | 6,886 |
| Average earning assets | $41,843,500 | 6,916 |
| Average equity | $5,110,250 | 6,964 |
| Average total loans | $27,321,500 | 6,840 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7426% | 3,329 |
| Cost of funding earning assets | 3.0044% | 472 |
| Net interest margin | 2.7382% | 7,126 |
| Noninterest income to average assets | -0.5051% | 8,118 |
| Noninterest expense to average assets | 3.6082% | 2,048 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -1.6683% | 7,316 |
| Return on assets (ROA) | -1.6683% | 7,311 |
| Pretax return on assets | -1.6683% | 7,157 |
| Return on Equity (ROE) | -15.1708% | 7,337 |
| Retained earnings to average equity (ytd only) | -15.1708% | 7,246 |
| Net charge-offs to loans | 0.3997% | 3,201 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -7.2778% | 6,497 |
| Efficiency ratio | 181.6193% | 247 |
| Assets per employee ($millions) | 3.5884% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 3,806 |
| Loan loss allowance to noncurrent loans | 106.7227% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 4.4031% | 1,287 |
| Noncurrent loans to loans | 1.2985% | 4,607 |
| Net loans and leases to total assets | 58.1213% | 5,946 |
| Net loans and leases to deposits | 65.5394% | 6,434 |
| Net loans and leases to core deposits | 74.7800% | 6,745 |
| Total domestic deposits to total assets | 88.6814% | 1,445 |
| Equity capital to assets | 10.6026% | 3,295 |
| Core capital (leverage) ratio | 9.8519% | 3,448 |
| Tier 1 risk-based capital ratio | 19.7086% | 1,632 |
| Total risk-based capital ratio | 20.9618% | 1,593 |
| Memoranda: | ||
| Average total assets | $47,115,000 | 6,939 |
| Average earning assets | $42,071,670 | 6,967 |
| Average equity | $5,181,000 | 7,004 |
| Average total loans | $27,020,330 | 6,919 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8295% | 3,145 |
| Cost of funding earning assets | 3.1565% | 391 |
| Net interest margin | 2.6730% | 7,261 |
| Noninterest income to average assets | 0.1774% | 7,036 |
| Noninterest expense to average assets | 3.2272% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.6674% | 7,025 |
| Return on assets (ROA) | -0.6674% | 7,064 |
| Pretax return on assets | -0.6674% | 6,947 |
| Return on Equity (ROE) | -5.9640% | 7,061 |
| Retained earnings to average equity (ytd only) | -5.9640% | 6,678 |
| Net charge-offs to loans | 0.9110% | 1,449 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.2951% | 5,410 |
| Efficiency ratio | 122.7723% | 594 |
| Assets per employee ($millions) | 3.6632% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 3,378 |
| Loan loss allowance to noncurrent loans | 102.1858% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 5.1511% | 863 |
| Noncurrent loans to loans | 1.3913% | 4,225 |
| Net loans and leases to total assets | 54.4571% | 6,418 |
| Net loans and leases to deposits | 61.6792% | 6,761 |
| Net loans and leases to core deposits | 69.7968% | 7,032 |
| Total domestic deposits to total assets | 88.2909% | 1,583 |
| Equity capital to assets | 11.0434% | 2,927 |
| Core capital (leverage) ratio | 10.4079% | 3,022 |
| Tier 1 risk-based capital ratio | 20.8597% | 1,471 |
| Total risk-based capital ratio | 22.1161% | 1,441 |
| Memoranda: | ||
| Average total assets | $47,348,000 | 6,966 |
| Average earning assets | $42,199,000 | 7,008 |
| Average equity | $5,298,500 | 7,010 |
| Average total loans | $26,783,500 | 6,954 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2173% | 4,426 |
| Cost of funding earning assets | 3.6994% | 268 |
| Net interest margin | 2.5179% | 7,736 |
| Noninterest income to average assets | 0.3190% | 6,175 |
| Noninterest expense to average assets | 3.2207% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.4453% | 6,874 |
| Return on assets (ROA) | -0.4453% | 6,752 |
| Pretax return on assets | -0.6814% | 6,798 |
| Return on Equity (ROE) | -3.9824% | 6,742 |
| Retained earnings to average equity (ytd only) | -3.9824% | 6,321 |
| Net charge-offs to loans | 0.3324% | 3,178 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -3.4632% | 6,792 |
| Efficiency ratio | 123.6542% | 535 |
| Assets per employee ($millions) | 3.6212% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 2,261 |
| Loan loss allowance to noncurrent loans | 74.3590% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 6.0690% | 488 |
| Noncurrent loans to loans | 2.1460% | 2,568 |
| Net loans and leases to total assets | 56.9835% | 6,336 |
| Net loans and leases to deposits | 64.7321% | 6,733 |
| Net loans and leases to core deposits | 73.3204% | 7,007 |
| Total domestic deposits to total assets | 88.0297% | 1,461 |
| Equity capital to assets | 11.3394% | 2,759 |
| Core capital (leverage) ratio | 10.4499% | 3,019 |
| Tier 1 risk-based capital ratio | 20.5948% | 1,523 |
| Total risk-based capital ratio | 21.8513% | 1,488 |
| Memoranda: | ||
| Average total assets | $48,281,200 | 6,848 |
| Average earning assets | $42,574,800 | 6,923 |
| Average equity | $5,398,800 | 7,018 |
| Average total loans | $28,580,600 | 6,790 |