Home > Brantley Bank and Trust Company > Performance and Condition Ratios
Brantley Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5002% | 1,160 |
| Cost of funding earning assets | 1.5413% | 1,839 |
| Net interest margin | 3.9589% | 1,268 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 3.4325% | 627 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5233% | 3,621 |
| Return on assets (ROA) | 0.5233% | 3,609 |
| Pretax return on assets | 0.6683% | 3,501 |
| Return on Equity (ROE) | 6.4600% | 3,428 |
| Retained earnings to average equity (ytd only) | 1.3631% | 3,746 |
| Net charge-offs to loans | 0.1623% | 645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 6.7573% | 2,448 |
| Efficiency ratio | 83.7041% | 676 |
| Assets per employee ($millions) | 4.7479% | 3,807 |
| Cash dividends to net income (ytd only)* | 78.8991% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 2,884 |
| Loan loss allowance to noncurrent loans | 151.3859% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 1,105 |
| Noncurrent loans to loans | 0.7206% | 1,083 |
| Net loans and leases to total assets | 58.9500% | 2,952 |
| Net loans and leases to deposits | 64.6672% | 3,257 |
| Net loans and leases to core deposits | 82.2454% | 2,570 |
| Total domestic deposits to total assets | 91.1500% | 464 |
| Equity capital to assets | 7.9019% | 3,481 |
| Core capital (leverage) ratio | 11.1491% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $104,151,200 | 3,796 |
| Average earning assets | $95,178,000 | 3,788 |
| Average equity | $8,436,800 | 3,888 |
| Average total loans | $63,467,600 | 3,656 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3776% | 1,166 |
| Cost of funding earning assets | 1.3773% | 1,927 |
| Net interest margin | 4.0003% | 1,214 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 3.3978% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6158% | 3,504 |
| Return on assets (ROA) | 0.6168% | 3,496 |
| Pretax return on assets | 0.7672% | 3,406 |
| Return on Equity (ROE) | 7.5700% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.5655% | 2,116 |
| Net charge-offs to loans | 0.2220% | 397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 5.6286% | 2,341 |
| Efficiency ratio | 81.6060% | 752 |
| Assets per employee ($millions) | 4.5734% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 2,712 |
| Loan loss allowance to noncurrent loans | 159.1011% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.6970% | 197 |
| Noncurrent loans to loans | 0.7121% | 1,161 |
| Net loans and leases to total assets | 58.7300% | 2,968 |
| Net loans and leases to deposits | 64.0407% | 3,264 |
| Net loans and leases to core deposits | 80.6101% | 2,555 |
| Total domestic deposits to total assets | 91.7100% | 517 |
| Equity capital to assets | 7.7870% | 3,190 |
| Core capital (leverage) ratio | 11.7838% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $102,888,750 | 3,819 |
| Average earning assets | $94,091,500 | 3,815 |
| Average equity | $8,388,750 | 3,891 |
| Average total loans | $63,064,250 | 3,669 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 1,186 |
| Cost of funding earning assets | 1.1982% | 2,001 |
| Net interest margin | 4.0217% | 1,204 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 3.4703% | 556 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5719% | 3,652 |
| Return on assets (ROA) | 0.5719% | 3,656 |
| Pretax return on assets | 0.7109% | 3,582 |
| Return on Equity (ROE) | 6.9100% | 3,498 |
| Retained earnings to average equity (ytd only) | 6.9074% | 2,313 |
| Net charge-offs to loans | 0.3288% | 254 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.4904% | 2,259 |
| Efficiency ratio | 82.9977% | 659 |
| Assets per employee ($millions) | 4.4861% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 2,916 |
| Loan loss allowance to noncurrent loans | 145.8848% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.7589% | 671 |
| Noncurrent loans to loans | 0.7604% | 998 |
| Net loans and leases to total assets | 61.2600% | 2,644 |
| Net loans and leases to deposits | 72.3830% | 2,620 |
| Net loans and leases to core deposits | 77.3326% | 2,667 |
| Total domestic deposits to total assets | 84.6300% | 2,651 |
| Equity capital to assets | 8.1750% | 3,101 |
| Core capital (leverage) ratio | 11.5513% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $102,122,333 | 3,843 |
| Average earning assets | $93,642,667 | 3,835 |
| Average equity | $8,454,667 | 3,908 |
| Average total loans | $63,255,667 | 3,669 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1684% | 997 |
| Cost of funding earning assets | 0.8657% | 2,487 |
| Net interest margin | 4.3027% | 801 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 3.3113% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8544% | 3,001 |
| Return on assets (ROA) | 0.8544% | 2,952 |
| Pretax return on assets | 1.1103% | 2,676 |
| Return on Equity (ROE) | 10.2500% | 2,712 |
| Retained earnings to average equity (ytd only) | 10.2546% | 1,637 |
| Net charge-offs to loans | 0.6929% | 113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2.5872% | 1,923 |
| Efficiency ratio | 74.8887% | 1,255 |
| Assets per employee ($millions) | 4.6995% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 3,024 |
| Loan loss allowance to noncurrent loans | 257.8755% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6945% | 709 |
| Noncurrent loans to loans | 0.4288% | 1,646 |
| Net loans and leases to total assets | 60.9000% | 2,568 |
| Net loans and leases to deposits | 71.9528% | 2,474 |
| Net loans and leases to core deposits | 76.1600% | 2,516 |
| Total domestic deposits to total assets | 84.6400% | 2,942 |
| Equity capital to assets | 8.3181% | 3,027 |
| Core capital (leverage) ratio | 11.5273% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $101,593,000 | 3,895 |
| Average earning assets | $93,337,000 | 3,890 |
| Average equity | $8,464,500 | 3,958 |
| Average total loans | $62,925,500 | 3,715 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 746 |
| Cost of funding earning assets | 0.3477% | 2,494 |
| Net interest margin | 4.1356% | 620 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.3513% | 580 |
| Loan and lease loss provision to assets | 0.4300% | 153 |
| Net operating income to assets | 0.3646% | 4,293 |
| Return on assets (ROA) | 0.3939% | 4,216 |
| Pretax return on assets | 0.4664% | 4,214 |
| Return on Equity (ROE) | 4.3600% | 4,108 |
| Retained earnings to average equity (ytd only) | 4.3646% | 3,280 |
| Net charge-offs to loans | 0.9099% | 72 |
| Credit loss provision to net charge-offs | 84.4530% | 1,661 |
| Earnings coverage of net charge-offs (x) | 1.7006% | 2,529 |
| Efficiency ratio | 78.0869% | 847 |
| Assets per employee ($millions) | 4.5362% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 3,815 |
| Loan loss allowance to noncurrent loans | 51.5858% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.0742% | 394 |
| Noncurrent loans to loans | 1.7239% | 356 |
| Net loans and leases to total assets | 61.7600% | 2,466 |
| Net loans and leases to deposits | 70.6624% | 2,527 |
| Net loans and leases to core deposits | 73.9362% | 2,566 |
| Total domestic deposits to total assets | 87.4000% | 2,270 |
| Equity capital to assets | 8.3459% | 2,817 |
| Core capital (leverage) ratio | 11.8514% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $103,334,400 | 3,899 |
| Average earning assets | $95,488,200 | 3,880 |
| Average equity | $9,325,000 | 3,961 |
| Average total loans | $57,261,400 | 3,787 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 795 |
| Cost of funding earning assets | 0.2756% | 2,427 |
| Net interest margin | 3.9809% | 663 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 3.3199% | 582 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.5591% | 3,947 |
| Return on assets (ROA) | 0.6051% | 3,780 |
| Pretax return on assets | 0.6051% | 3,979 |
| Return on Equity (ROE) | 6.5900% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.5871% | 2,526 |
| Net charge-offs to loans | 0.1785% | 377 |
| Credit loss provision to net charge-offs | 220.0000% | 937 |
| Earnings coverage of net charge-offs (x) | 8.0267% | 2,056 |
| Efficiency ratio | 79.1992% | 822 |
| Assets per employee ($millions) | 3.7392% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,525 |
| Loan loss allowance to noncurrent loans | 46.8608% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.5303% | 218 |
| Noncurrent loans to loans | 2.5613% | 204 |
| Net loans and leases to total assets | 59.0300% | 2,599 |
| Net loans and leases to deposits | 64.4755% | 2,826 |
| Net loans and leases to core deposits | 66.4630% | 2,917 |
| Total domestic deposits to total assets | 91.5500% | 1,027 |
| Equity capital to assets | 8.4024% | 2,603 |
| Core capital (leverage) ratio | 11.7607% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $104,218,750 | 3,916 |
| Average earning assets | $96,257,000 | 3,898 |
| Average equity | $9,574,000 | 3,969 |
| Average total loans | $56,030,750 | 3,821 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 696 |
| Cost of funding earning assets | 0.2757% | 1,946 |
| Net interest margin | 3.8790% | 638 |
| Noninterest income to average assets | 0.3381% | 3,130 |
| Noninterest expense to average assets | 3.1774% | 655 |
| Loan and lease loss provision to assets | 0.1235% | 799 |
| Net operating income to assets | 0.6173% | 3,581 |
| Return on assets (ROA) | 0.6116% | 3,544 |
| Pretax return on assets | 0.6116% | 3,791 |
| Return on Equity (ROE) | 6.4804% | 3,454 |
| Retained earnings to average equity (ytd only) | 6.4804% | 2,180 |
| Net charge-offs to loans | 0.3590% | 195 |
| Credit loss provision to net charge-offs | 66.3265% | 1,445 |
| Earnings coverage of net charge-offs (x) | 3.9796% | 1,973 |
| Efficiency ratio | 81.0955% | 866 |
| Assets per employee ($millions) | 3.9079% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,177 |
| Loan loss allowance to noncurrent loans | 67.4523% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.8444% | 614 |
| Noncurrent loans to loans | 1.6259% | 442 |
| Net loans and leases to total assets | 51.3671% | 3,228 |
| Net loans and leases to deposits | 56.0863% | 3,367 |
| Net loans and leases to core deposits | 58.6100% | 3,383 |
| Total domestic deposits to total assets | 91.5859% | 1,006 |
| Equity capital to assets | 8.2947% | 2,912 |
| Core capital (leverage) ratio | 10.9315% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,305,333 | 3,941 |
| Average earning assets | $97,191,000 | 3,941 |
| Average equity | $9,937,667 | 4,001 |
| Average total loans | $54,601,000 | 3,882 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 648 |
| Cost of funding earning assets | 0.2766% | 1,855 |
| Net interest margin | 3.8187% | 615 |
| Noninterest income to average assets | 0.3004% | 3,314 |
| Noninterest expense to average assets | 3.2509% | 565 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5665% | 3,503 |
| Return on assets (ROA) | 0.5665% | 3,480 |
| Pretax return on assets | 0.5665% | 3,715 |
| Return on Equity (ROE) | 5.6598% | 3,435 |
| Retained earnings to average equity (ytd only) | 5.6598% | 2,363 |
| Net charge-offs to loans | -0.1248% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1594% | 782 |
| Assets per employee ($millions) | 3.8051% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 3,040 |
| Loan loss allowance to noncurrent loans | 72.2531% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.8770% | 614 |
| Noncurrent loans to loans | 1.6094% | 500 |
| Net loans and leases to total assets | 53.8559% | 2,777 |
| Net loans and leases to deposits | 59.6252% | 2,937 |
| Net loans and leases to core deposits | 62.4229% | 2,937 |
| Total domestic deposits to total assets | 90.3240% | 1,372 |
| Equity capital to assets | 9.6166% | 2,198 |
| Core capital (leverage) ratio | 11.0878% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,201,500 | 3,966 |
| Average earning assets | $96,891,500 | 3,962 |
| Average equity | $10,530,500 | 4,003 |
| Average total loans | $54,501,500 | 3,891 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 1,530 |
| Cost of funding earning assets | 0.3338% | 2,080 |
| Net interest margin | 3.6003% | 1,469 |
| Noninterest income to average assets | 0.3427% | 3,366 |
| Noninterest expense to average assets | 3.0493% | 920 |
| Loan and lease loss provision to assets | 0.0759% | 1,598 |
| Net operating income to assets | 0.4893% | 4,115 |
| Return on assets (ROA) | 0.5933% | 3,933 |
| Pretax return on assets | 0.6854% | 3,959 |
| Return on Equity (ROE) | 5.5544% | 3,869 |
| Retained earnings to average equity (ytd only) | 5.5544% | 2,540 |
| Net charge-offs to loans | 0.0143% | 2,031 |
| Credit loss provision to net charge-offs | 1,142.8571% | 485 |
| Earnings coverage of net charge-offs (x) | 96.5714% | 898 |
| Efficiency ratio | 81.6101% | 710 |
| Assets per employee ($millions) | 3.9876% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,904 |
| Loan loss allowance to noncurrent loans | 64.4964% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 639 |
| Noncurrent loans to loans | 1.8540% | 441 |
| Net loans and leases to total assets | 48.6579% | 3,439 |
| Net loans and leases to deposits | 54.3338% | 3,572 |
| Net loans and leases to core deposits | 56.7813% | 3,563 |
| Total domestic deposits to total assets | 89.5536% | 1,203 |
| Equity capital to assets | 10.3851% | 2,287 |
| Core capital (leverage) ratio | 10.6172% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,335,200 | 3,939 |
| Average earning assets | $97,964,600 | 3,928 |
| Average equity | $11,252,400 | 4,009 |
| Average total loans | $48,983,600 | 4,021 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 1,735 |
| Cost of funding earning assets | 0.3382% | 2,219 |
| Net interest margin | 3.5695% | 1,676 |
| Noninterest income to average assets | 0.3335% | 3,437 |
| Noninterest expense to average assets | 2.9987% | 974 |
| Loan and lease loss provision to assets | 0.1021% | 1,180 |
| Net operating income to assets | 0.4966% | 4,213 |
| Return on assets (ROA) | 0.6135% | 4,031 |
| Pretax return on assets | 0.6809% | 4,099 |
| Return on Equity (ROE) | 5.7022% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.7022% | 2,954 |
| Net charge-offs to loans | -0.0389% | 4,244 |
| Credit loss provision to net charge-offs | -571.4286% | 3,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1192% | 627 |
| Assets per employee ($millions) | 4.0179% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,621 |
| Loan loss allowance to noncurrent loans | 66.0949% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.0048% | 655 |
| Noncurrent loans to loans | 1.9279% | 465 |
| Net loans and leases to total assets | 46.7783% | 3,732 |
| Net loans and leases to deposits | 52.8427% | 3,823 |
| Net loans and leases to core deposits | 54.9323% | 3,859 |
| Total domestic deposits to total assets | 88.5237% | 1,555 |
| Equity capital to assets | 10.5546% | 2,418 |
| Core capital (leverage) ratio | 10.4601% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,753,000 | 3,999 |
| Average earning assets | $97,378,500 | 3,983 |
| Average equity | $11,270,250 | 4,062 |
| Average total loans | $47,974,250 | 4,089 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 1,644 |
| Cost of funding earning assets | 0.3398% | 2,409 |
| Net interest margin | 3.6254% | 1,532 |
| Noninterest income to average assets | 0.3594% | 3,307 |
| Noninterest expense to average assets | 2.9717% | 1,030 |
| Loan and lease loss provision to assets | 0.0097% | 2,736 |
| Net operating income to assets | 0.6887% | 3,787 |
| Return on assets (ROA) | 0.6995% | 3,832 |
| Pretax return on assets | 0.7497% | 3,972 |
| Return on Equity (ROE) | 6.4583% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.4583% | 2,635 |
| Net charge-offs to loans | -0.0811% | 4,554 |
| Credit loss provision to net charge-offs | -26.3158% | 2,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8961% | 792 |
| Assets per employee ($millions) | 3.8827% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 3,250 |
| Loan loss allowance to noncurrent loans | 263.5135% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 2,381 |
| Noncurrent loans to loans | 0.4323% | 2,382 |
| Net loans and leases to total assets | 48.4304% | 3,685 |
| Net loans and leases to deposits | 54.8253% | 3,805 |
| Net loans and leases to core deposits | 57.0749% | 3,829 |
| Total domestic deposits to total assets | 88.3357% | 1,654 |
| Equity capital to assets | 10.8038% | 2,148 |
| Core capital (leverage) ratio | 10.8525% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,509,333 | 4,033 |
| Average earning assets | $95,935,000 | 4,021 |
| Average equity | $11,210,333 | 4,074 |
| Average total loans | $46,831,667 | 4,141 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 2,093 |
| Cost of funding earning assets | 0.3422% | 2,595 |
| Net interest margin | 3.4594% | 1,938 |
| Noninterest income to average assets | 0.3150% | 3,523 |
| Noninterest expense to average assets | 2.7964% | 1,379 |
| Loan and lease loss provision to assets | 0.0194% | 2,527 |
| Net operating income to assets | 0.6767% | 3,762 |
| Return on assets (ROA) | 0.6767% | 3,829 |
| Pretax return on assets | 0.7234% | 3,970 |
| Return on Equity (ROE) | 6.2408% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.2408% | 2,817 |
| Net charge-offs to loans | -0.1795% | 4,769 |
| Credit loss provision to net charge-offs | -25.0000% | 2,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0110% | 890 |
| Assets per employee ($millions) | 4.6950% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 2,465 |
| Loan loss allowance to noncurrent loans | 250.4274% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.5344% | 1,774 |
| Noncurrent loans to loans | 0.5169% | 2,302 |
| Net loans and leases to total assets | 43.2602% | 4,160 |
| Net loans and leases to deposits | 48.7460% | 4,230 |
| Net loans and leases to core deposits | 50.7658% | 4,257 |
| Total domestic deposits to total assets | 88.7461% | 1,469 |
| Equity capital to assets | 10.4793% | 2,289 |
| Core capital (leverage) ratio | 10.6666% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,847,500 | 4,038 |
| Average earning assets | $95,855,500 | 4,025 |
| Average equity | $11,152,500 | 4,092 |
| Average total loans | $44,569,500 | 4,198 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 1,497 |
| Cost of funding earning assets | 0.4572% | 3,241 |
| Net interest margin | 3.9733% | 1,036 |
| Noninterest income to average assets | 0.3216% | 3,535 |
| Noninterest expense to average assets | 2.7072% | 2,220 |
| Loan and lease loss provision to assets | 0.1863% | 2,089 |
| Net operating income to assets | 1.0073% | 2,263 |
| Return on assets (ROA) | 1.1465% | 1,866 |
| Pretax return on assets | 1.3860% | 1,701 |
| Return on Equity (ROE) | 8.9093% | 2,437 |
| Retained earnings to average equity (ytd only) | 4.8637% | 2,336 |
| Net charge-offs to loans | 0.0155% | 2,795 |
| Credit loss provision to net charge-offs | 2,683.3333% | 361 |
| Earnings coverage of net charge-offs (x) | 202.3333% | 466 |
| Efficiency ratio | 65.8413% | 2,556 |
| Assets per employee ($millions) | 6.0239% | 2,321 |
| Cash dividends to net income (ytd only)* | 45.4087% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 2,519 |
| Loan loss allowance to noncurrent loans | 73.7188% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 1,176 |
| Noncurrent loans to loans | 1.7347% | 727 |
| Net loans and leases to total assets | 42.2915% | 4,338 |
| Net loans and leases to deposits | 48.1934% | 4,387 |
| Net loans and leases to core deposits | 49.9395% | 4,425 |
| Total domestic deposits to total assets | 87.7536% | 1,585 |
| Equity capital to assets | 11.2113% | 2,091 |
| Core capital (leverage) ratio | 11.1170% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,434,800 | 4,170 |
| Average earning assets | $82,451,000 | 4,128 |
| Average equity | $11,123,200 | 4,063 |
| Average total loans | $38,717,800 | 4,335 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 1,153 |
| Cost of funding earning assets | 0.4938% | 3,263 |
| Net interest margin | 4.1688% | 781 |
| Noninterest income to average assets | 0.3736% | 3,212 |
| Noninterest expense to average assets | 2.7590% | 2,095 |
| Loan and lease loss provision to assets | 0.2026% | 1,977 |
| Net operating income to assets | 1.1172% | 1,926 |
| Return on assets (ROA) | 1.1677% | 1,875 |
| Pretax return on assets | 1.4620% | 1,540 |
| Return on Equity (ROE) | 8.7245% | 2,513 |
| Retained earnings to average equity (ytd only) | 8.7245% | 1,066 |
| Net charge-offs to loans | -0.0249% | 4,472 |
| Credit loss provision to net charge-offs | -1,785.7143% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2789% | 2,867 |
| Assets per employee ($millions) | 5.0458% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 2,130 |
| Loan loss allowance to noncurrent loans | 91.6525% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 1,632 |
| Noncurrent loans to loans | 1.4254% | 1,013 |
| Net loans and leases to total assets | 42.3939% | 4,484 |
| Net loans and leases to deposits | 48.6812% | 4,527 |
| Net loans and leases to core deposits | 50.2703% | 4,574 |
| Total domestic deposits to total assets | 87.0846% | 1,633 |
| Equity capital to assets | 12.2593% | 1,542 |
| Core capital (leverage) ratio | 11.8832% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,442,000 | 4,223 |
| Average earning assets | $78,838,000 | 4,182 |
| Average equity | $11,033,750 | 4,077 |
| Average total loans | $37,429,750 | 4,387 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9576% | 890 |
| Cost of funding earning assets | 0.5210% | 3,411 |
| Net interest margin | 4.4366% | 570 |
| Noninterest income to average assets | 0.4258% | 2,933 |
| Noninterest expense to average assets | 2.8474% | 1,983 |
| Loan and lease loss provision to assets | 0.2180% | 1,910 |
| Net operating income to assets | 1.2816% | 1,410 |
| Return on assets (ROA) | 1.2877% | 1,506 |
| Pretax return on assets | 1.6058% | 1,209 |
| Return on Equity (ROE) | 9.3015% | 2,251 |
| Retained earnings to average equity (ytd only) | 9.3015% | 935 |
| Net charge-offs to loans | -0.0387% | 4,615 |
| Credit loss provision to net charge-offs | -1,214.2857% | 3,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0561% | 3,268 |
| Assets per employee ($millions) | 4.9337% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,235 |
| Loan loss allowance to noncurrent loans | 174.1259% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 2,573 |
| Noncurrent loans to loans | 0.7204% | 2,075 |
| Net loans and leases to total assets | 44.1440% | 4,446 |
| Net loans and leases to deposits | 51.1241% | 4,479 |
| Net loans and leases to core deposits | 52.9448% | 4,527 |
| Total domestic deposits to total assets | 86.3468% | 1,870 |
| Equity capital to assets | 13.0035% | 1,162 |
| Core capital (leverage) ratio | 13.2482% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,966,000 | 4,276 |
| Average earning assets | $74,471,667 | 4,241 |
| Average equity | $10,794,000 | 4,119 |
| Average total loans | $36,179,333 | 4,425 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9218% | 1,139 |
| Cost of funding earning assets | 0.5507% | 3,686 |
| Net interest margin | 4.3711% | 662 |
| Noninterest income to average assets | 0.4852% | 2,634 |
| Noninterest expense to average assets | 3.0326% | 1,797 |
| Loan and lease loss provision to assets | 0.2481% | 1,248 |
| Net operating income to assets | 1.1445% | 1,705 |
| Return on assets (ROA) | 1.1579% | 1,773 |
| Pretax return on assets | 1.4226% | 1,498 |
| Return on Equity (ROE) | 8.0637% | 2,492 |
| Retained earnings to average equity (ytd only) | 8.0637% | 1,214 |
| Net charge-offs to loans | -0.1162% | 4,848 |
| Credit loss provision to net charge-offs | -450.0000% | 3,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7059% | 3,118 |
| Assets per employee ($millions) | 4.1736% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,209 |
| Loan loss allowance to noncurrent loans | 190.4959% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 2,645 |
| Noncurrent loans to loans | 0.6746% | 2,306 |
| Net loans and leases to total assets | 47.1381% | 4,379 |
| Net loans and leases to deposits | 54.7233% | 4,411 |
| Net loans and leases to core deposits | 57.0444% | 4,458 |
| Total domestic deposits to total assets | 86.1389% | 1,950 |
| Equity capital to assets | 13.5802% | 1,187 |
| Core capital (leverage) ratio | 13.7714% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,545,500 | 4,367 |
| Average earning assets | $69,730,500 | 4,317 |
| Average equity | $10,417,000 | 4,193 |
| Average total loans | $34,418,500 | 4,488 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7111% | 2,291 |
| Cost of funding earning assets | 0.4649% | 4,223 |
| Net interest margin | 4.2462% | 1,218 |
| Noninterest income to average assets | 0.5052% | 2,704 |
| Noninterest expense to average assets | 2.9291% | 2,213 |
| Loan and lease loss provision to assets | 0.1148% | 1,839 |
| Net operating income to assets | 1.2501% | 1,870 |
| Return on assets (ROA) | 1.2715% | 1,879 |
| Pretax return on assets | 1.5241% | 1,735 |
| Return on Equity (ROE) | 8.3457% | 3,021 |
| Retained earnings to average equity (ytd only) | 0.8101% | 4,457 |
| Net charge-offs to loans | 0.4394% | 436 |
| Credit loss provision to net charge-offs | 58.8235% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.2647% | 2,788 |
| Efficiency ratio | 64.4866% | 3,002 |
| Assets per employee ($millions) | 3.8871% | 4,041 |
| Cash dividends to net income (ytd only)* | 90.2935% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 2,280 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 3,745 |
| Noncurrent loans to loans | 0.0849% | 4,180 |
| Net loans and leases to total assets | 46.5334% | 4,500 |
| Net loans and leases to deposits | 55.9666% | 4,456 |
| Net loans and leases to core deposits | 58.6166% | 4,496 |
| Total domestic deposits to total assets | 83.1449% | 3,153 |
| Equity capital to assets | 15.1957% | 745 |
| Core capital (leverage) ratio | 14.4514% | 814 |
| Tier 1 risk-based capital ratio | 24.1460% | 814 |
| Total risk-based capital ratio | 25.0972% | 829 |
| Memoranda: | ||
| Average total assets | $69,680,600 | 4,434 |
| Average earning assets | $66,247,400 | 4,404 |
| Average equity | $10,616,200 | 4,166 |
| Average total loans | $30,947,800 | 4,622 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6668% | 2,512 |
| Cost of funding earning assets | 0.4467% | 4,341 |
| Net interest margin | 4.2201% | 1,326 |
| Noninterest income to average assets | 0.5287% | 2,561 |
| Noninterest expense to average assets | 2.9306% | 2,162 |
| Loan and lease loss provision to assets | 0.0766% | 2,363 |
| Net operating income to assets | 1.2809% | 1,919 |
| Return on assets (ROA) | 1.3082% | 1,907 |
| Pretax return on assets | 1.5534% | 1,802 |
| Return on Equity (ROE) | 8.5810% | 3,066 |
| Retained earnings to average equity (ytd only) | 8.5810% | 1,177 |
| Net charge-offs to loans | 0.2934% | 597 |
| Credit loss provision to net charge-offs | 59.7015% | 2,713 |
| Earnings coverage of net charge-offs (x) | 12.4479% | 2,359 |
| Efficiency ratio | 64.7208% | 2,906 |
| Assets per employee ($millions) | 3.6412% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,759 |
| Loan loss allowance to noncurrent loans | 174.0000% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 2,502 |
| Noncurrent loans to loans | 0.7771% | 2,025 |
| Net loans and leases to total assets | 45.8732% | 4,605 |
| Net loans and leases to deposits | 55.3644% | 4,577 |
| Net loans and leases to core deposits | 58.0236% | 4,606 |
| Total domestic deposits to total assets | 82.8568% | 3,209 |
| Equity capital to assets | 16.1617% | 607 |
| Core capital (leverage) ratio | 15.4740% | 649 |
| Tier 1 risk-based capital ratio | 26.0688% | 702 |
| Total risk-based capital ratio | 27.1088% | 701 |
| Memoranda: | ||
| Average total assets | $69,609,000 | 4,490 |
| Average earning assets | $65,967,750 | 4,460 |
| Average equity | $10,612,250 | 4,213 |
| Average total loans | $30,443,750 | 4,693 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 2,692 |
| Cost of funding earning assets | 0.4406% | 4,358 |
| Net interest margin | 4.1537% | 1,483 |
| Noninterest income to average assets | 0.5419% | 2,426 |
| Noninterest expense to average assets | 2.9275% | 2,203 |
| Loan and lease loss provision to assets | 0.0287% | 3,249 |
| Net operating income to assets | 1.2914% | 1,812 |
| Return on assets (ROA) | 1.3333% | 1,706 |
| Pretax return on assets | 1.5541% | 1,682 |
| Return on Equity (ROE) | 8.9229% | 2,886 |
| Retained earnings to average equity (ytd only) | 8.9229% | 1,050 |
| Net charge-offs to loans | 0.2812% | 601 |
| Credit loss provision to net charge-offs | 23.8095% | 2,633 |
| Earnings coverage of net charge-offs (x) | 12.7381% | 2,134 |
| Efficiency ratio | 65.6170% | 2,866 |
| Assets per employee ($millions) | 3.6734% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 1,429 |
| Loan loss allowance to noncurrent loans | 10,750.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 4,025 |
| Noncurrent loans to loans | 0.0135% | 4,658 |
| Net loans and leases to total assets | 41.9406% | 4,782 |
| Net loans and leases to deposits | 50.3890% | 4,791 |
| Net loans and leases to core deposits | 51.4736% | 4,830 |
| Total domestic deposits to total assets | 83.2335% | 3,136 |
| Equity capital to assets | 15.7449% | 665 |
| Core capital (leverage) ratio | 15.9520% | 552 |
| Tier 1 risk-based capital ratio | 26.9507% | 626 |
| Total risk-based capital ratio | 28.0182% | 629 |
| Memoranda: | ||
| Average total assets | $69,751,330 | 4,524 |
| Average earning assets | $65,820,330 | 4,499 |
| Average equity | $10,422,670 | 4,245 |
| Average total loans | $29,868,000 | 4,742 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 3,188 |
| Cost of funding earning assets | 0.4157% | 4,420 |
| Net interest margin | 3.9945% | 1,865 |
| Noninterest income to average assets | 0.5277% | 2,395 |
| Noninterest expense to average assets | 2.7420% | 2,771 |
| Loan and lease loss provision to assets | 0.0574% | 2,514 |
| Net operating income to assets | 1.2509% | 1,887 |
| Return on assets (ROA) | 1.3308% | 1,630 |
| Pretax return on assets | 1.6291% | 1,393 |
| Return on Equity (ROE) | 9.1523% | 2,738 |
| Retained earnings to average equity (ytd only) | 9.1523% | 1,262 |
| Net charge-offs to loans | -0.2805% | 5,211 |
| Credit loss provision to net charge-offs | -47.6190% | 3,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3113% | 3,347 |
| Assets per employee ($millions) | 3.5910% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 862 |
| Loan loss allowance to noncurrent loans | 4,930.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 4,793 |
| Noncurrent loans to loans | 0.0345% | 4,615 |
| Net loans and leases to total assets | 41.8004% | 4,836 |
| Net loans and leases to deposits | 49.8296% | 4,820 |
| Net loans and leases to core deposits | 50.4654% | 4,875 |
| Total domestic deposits to total assets | 83.8866% | 3,084 |
| Equity capital to assets | 15.2824% | 691 |
| Core capital (leverage) ratio | 15.1242% | 671 |
| Tier 1 risk-based capital ratio | 26.2468% | 670 |
| Total risk-based capital ratio | 27.4848% | 654 |
| Memoranda: | ||
| Average total assets | $69,730,000 | 4,576 |
| Average earning assets | $66,392,000 | 4,539 |
| Average equity | $10,139,500 | 4,309 |
| Average total loans | $29,951,000 | 4,789 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2342% | 3,341 |
| Cost of funding earning assets | 0.3346% | 4,379 |
| Net interest margin | 3.8996% | 2,329 |
| Noninterest income to average assets | 0.5766% | 2,413 |
| Noninterest expense to average assets | 2.7690% | 2,790 |
| Loan and lease loss provision to assets | 0.1658% | 1,222 |
| Net operating income to assets | 1.1490% | 2,389 |
| Return on assets (ROA) | 1.1056% | 2,570 |
| Pretax return on assets | 1.2872% | 2,550 |
| Return on Equity (ROE) | 7.8119% | 3,516 |
| Retained earnings to average equity (ytd only) | 2.7194% | 4,043 |
| Net charge-offs to loans | -0.1406% | 5,215 |
| Credit loss provision to net charge-offs | -302.6316% | 4,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8111% | 3,065 |
| Assets per employee ($millions) | 3.9573% | 3,951 |
| Cash dividends to net income (ytd only)* | 65.1890% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 1,308 |
| Loan loss allowance to noncurrent loans | 5,775.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,844 |
| Noncurrent loans to loans | 0.0259% | 4,659 |
| Net loans and leases to total assets | 42.7160% | 4,856 |
| Net loans and leases to deposits | 50.5911% | 4,868 |
| Net loans and leases to core deposits | 51.2041% | 4,912 |
| Total domestic deposits to total assets | 84.4337% | 2,858 |
| Equity capital to assets | 13.8311% | 1,023 |
| Core capital (leverage) ratio | 14.6311% | 769 |
| Tier 1 risk-based capital ratio | 24.5290% | 780 |
| Total risk-based capital ratio | 25.6378% | 769 |
| Memoranda: | ||
| Average total assets | $69,374,200 | 4,591 |
| Average earning assets | $65,751,000 | 4,562 |
| Average equity | $9,818,400 | 4,331 |
| Average total loans | $27,030,000 | 4,886 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 3,475 |
| Cost of funding earning assets | 0.3255% | 4,344 |
| Net interest margin | 3.8200% | 2,572 |
| Noninterest income to average assets | 0.5921% | 2,354 |
| Noninterest expense to average assets | 2.8384% | 2,501 |
| Loan and lease loss provision to assets | 0.2032% | 845 |
| Net operating income to assets | 1.0056% | 3,057 |
| Return on assets (ROA) | 0.9500% | 3,317 |
| Pretax return on assets | 1.0971% | 3,415 |
| Return on Equity (ROE) | 6.6733% | 4,044 |
| Retained earnings to average equity (ytd only) | 6.6733% | 2,292 |
| Net charge-offs to loans | -0.2813% | 5,349 |
| Credit loss provision to net charge-offs | -190.9091% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5414% | 2,621 |
| Assets per employee ($millions) | 3.9499% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 911 |
| Loan loss allowance to noncurrent loans | 5,862.5000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,955 |
| Noncurrent loans to loans | 0.0286% | 4,767 |
| Net loans and leases to total assets | 38.6658% | 5,067 |
| Net loans and leases to deposits | 45.4690% | 5,069 |
| Net loans and leases to core deposits | 46.2578% | 5,102 |
| Total domestic deposits to total assets | 85.0378% | 2,592 |
| Equity capital to assets | 13.8469% | 1,009 |
| Core capital (leverage) ratio | 14.7798% | 761 |
| Tier 1 risk-based capital ratio | 26.2256% | 665 |
| Total risk-based capital ratio | 27.4003% | 662 |
| Memoranda: | ||
| Average total assets | $68,910,000 | 4,643 |
| Average earning assets | $65,128,750 | 4,623 |
| Average equity | $9,810,000 | 4,366 |
| Average total loans | $26,065,250 | 4,963 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 3,416 |
| Cost of funding earning assets | 0.3212% | 4,265 |
| Net interest margin | 3.7884% | 2,601 |
| Noninterest income to average assets | 0.6277% | 2,192 |
| Noninterest expense to average assets | 2.9011% | 2,352 |
| Loan and lease loss provision to assets | 0.1907% | 913 |
| Net operating income to assets | 1.0160% | 2,945 |
| Return on assets (ROA) | 0.9270% | 3,338 |
| Pretax return on assets | 1.0032% | 3,653 |
| Return on Equity (ROE) | 6.4501% | 4,076 |
| Retained earnings to average equity (ytd only) | 6.4501% | 2,334 |
| Net charge-offs to loans | -1.0537% | 5,489 |
| Credit loss provision to net charge-offs | -48.5075% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2092% | 2,448 |
| Assets per employee ($millions) | 3.8215% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8518% | 688 |
| Loan loss allowance to noncurrent loans | 12,700.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 5,019 |
| Noncurrent loans to loans | 0.0146% | 4,881 |
| Net loans and leases to total assets | 39.1426% | 5,085 |
| Net loans and leases to deposits | 45.7729% | 5,106 |
| Net loans and leases to core deposits | 46.5903% | 5,132 |
| Total domestic deposits to total assets | 85.5147% | 2,488 |
| Equity capital to assets | 14.2280% | 875 |
| Core capital (leverage) ratio | 15.2044% | 630 |
| Tier 1 risk-based capital ratio | 26.6444% | 627 |
| Total risk-based capital ratio | 27.8945% | 622 |
| Memoranda: | ||
| Average total assets | $68,180,330 | 4,708 |
| Average earning assets | $64,143,330 | 4,690 |
| Average equity | $9,798,330 | 4,410 |
| Average total loans | $25,433,670 | 5,042 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9582% | 3,763 |
| Cost of funding earning assets | 0.3131% | 4,245 |
| Net interest margin | 3.6450% | 3,008 |
| Noninterest income to average assets | 0.6188% | 2,175 |
| Noninterest expense to average assets | 2.7992% | 2,692 |
| Loan and lease loss provision to assets | 0.2652% | 530 |
| Net operating income to assets | 0.8959% | 3,311 |
| Return on assets (ROA) | 0.7189% | 4,045 |
| Pretax return on assets | 0.7897% | 4,176 |
| Return on Equity (ROE) | 4.9776% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.9776% | 3,186 |
| Net charge-offs to loans | -1.5225% | 5,554 |
| Credit loss provision to net charge-offs | -48.3871% | 3,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1412% | 2,640 |
| Assets per employee ($millions) | 3.7120% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 862 |
| Loan loss allowance to noncurrent loans | 1,396.8750% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 4,859 |
| Noncurrent loans to loans | 0.1254% | 4,401 |
| Net loans and leases to total assets | 37.5180% | 5,157 |
| Net loans and leases to deposits | 43.9697% | 5,160 |
| Net loans and leases to core deposits | 45.9407% | 5,163 |
| Total domestic deposits to total assets | 85.3269% | 2,815 |
| Equity capital to assets | 14.4831% | 776 |
| Core capital (leverage) ratio | 14.7485% | 698 |
| Tier 1 risk-based capital ratio | 26.5216% | 646 |
| Total risk-based capital ratio | 27.6978% | 641 |
| Memoranda: | ||
| Average total assets | $67,877,000 | 4,775 |
| Average earning assets | $63,868,000 | 4,751 |
| Average equity | $9,804,000 | 4,455 |
| Average total loans | $24,434,000 | 5,129 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 4,139 |
| Cost of funding earning assets | 0.3176% | 3,979 |
| Net interest margin | 3.4542% | 3,677 |
| Noninterest income to average assets | 0.5421% | 2,763 |
| Noninterest expense to average assets | 2.5756% | 3,522 |
| Loan and lease loss provision to assets | 0.1498% | 1,510 |
| Net operating income to assets | 0.9004% | 2,703 |
| Return on assets (ROA) | 0.9153% | 2,650 |
| Pretax return on assets | 1.0937% | 3,213 |
| Return on Equity (ROE) | 6.5959% | 3,484 |
| Retained earnings to average equity (ytd only) | 0.7067% | 4,757 |
| Net charge-offs to loans | 1.7892% | 81 |
| Credit loss provision to net charge-offs | 25.0569% | 3,574 |
| Earnings coverage of net charge-offs (x) | 2.0501% | 3,810 |
| Efficiency ratio | 67.7535% | 2,941 |
| Assets per employee ($millions) | 3.8299% | 4,237 |
| Cash dividends to net income (ytd only)* | 89.2857% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 2,102 |
| Loan loss allowance to noncurrent loans | 201.9608% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 4,031 |
| Noncurrent loans to loans | 0.6552% | 2,579 |
| Net loans and leases to total assets | 33.4271% | 5,354 |
| Net loans and leases to deposits | 39.1572% | 5,360 |
| Net loans and leases to core deposits | 40.5526% | 5,373 |
| Total domestic deposits to total assets | 85.3666% | 2,702 |
| Equity capital to assets | 14.4057% | 806 |
| Core capital (leverage) ratio | 14.0128% | 831 |
| Tier 1 risk-based capital ratio | 27.5606% | 565 |
| Total risk-based capital ratio | 28.4167% | 579 |
| Memoranda: | ||
| Average total assets | $73,419,600 | 4,716 |
| Average earning assets | $69,278,600 | 4,674 |
| Average equity | $10,188,200 | 4,423 |
| Average total loans | $24,536,600 | 5,177 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 4,213 |
| Cost of funding earning assets | 0.3172% | 3,958 |
| Net interest margin | 3.4230% | 3,767 |
| Noninterest income to average assets | 0.5402% | 2,778 |
| Noninterest expense to average assets | 2.5525% | 3,557 |
| Loan and lease loss provision to assets | 0.0894% | 2,287 |
| Net operating income to assets | 0.9587% | 2,728 |
| Return on assets (ROA) | 0.9784% | 2,706 |
| Pretax return on assets | 1.1448% | 3,134 |
| Return on Equity (ROE) | 7.1136% | 3,592 |
| Retained earnings to average equity (ytd only) | 7.1136% | 1,635 |
| Net charge-offs to loans | 1.4765% | 108 |
| Credit loss provision to net charge-offs | 18.1818% | 3,170 |
| Earnings coverage of net charge-offs (x) | 2.4618% | 3,465 |
| Efficiency ratio | 67.8232% | 2,904 |
| Assets per employee ($millions) | 4.2968% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6877% | 1,056 |
| Loan loss allowance to noncurrent loans | 188.1818% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 3,866 |
| Noncurrent loans to loans | 0.8969% | 2,139 |
| Net loans and leases to total assets | 33.0148% | 5,430 |
| Net loans and leases to deposits | 38.9049% | 5,443 |
| Net loans and leases to core deposits | 40.5025% | 5,450 |
| Total domestic deposits to total assets | 84.8602% | 2,772 |
| Equity capital to assets | 14.5675% | 838 |
| Core capital (leverage) ratio | 13.9781% | 897 |
| Tier 1 risk-based capital ratio | 27.9232% | 573 |
| Total risk-based capital ratio | 29.0322% | 566 |
| Memoranda: | ||
| Average total assets | $74,540,000 | 4,748 |
| Average earning assets | $70,189,750 | 4,713 |
| Average equity | $10,252,500 | 4,451 |
| Average total loans | $24,832,500 | 5,217 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7014% | 4,228 |
| Cost of funding earning assets | 0.3144% | 3,937 |
| Net interest margin | 3.3871% | 3,819 |
| Noninterest income to average assets | 0.5491% | 2,723 |
| Noninterest expense to average assets | 2.4867% | 3,787 |
| Loan and lease loss provision to assets | 0.0533% | 2,913 |
| Net operating income to assets | 1.0151% | 2,355 |
| Return on assets (ROA) | 1.0128% | 2,406 |
| Pretax return on assets | 1.1941% | 2,788 |
| Return on Equity (ROE) | 7.5077% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.5077% | 1,347 |
| Net charge-offs to loans | 1.9572% | 84 |
| Credit loss provision to net charge-offs | 8.1967% | 2,865 |
| Earnings coverage of net charge-offs (x) | 1.9221% | 3,233 |
| Efficiency ratio | 66.5478% | 3,253 |
| Assets per employee ($millions) | 4.5394% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 1,203 |
| Loan loss allowance to noncurrent loans | 271.2418% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 4,180 |
| Noncurrent loans to loans | 0.5993% | 2,936 |
| Net loans and leases to total assets | 32.5429% | 5,487 |
| Net loans and leases to deposits | 37.8915% | 5,509 |
| Net loans and leases to core deposits | 40.0105% | 5,499 |
| Total domestic deposits to total assets | 85.8842% | 2,422 |
| Equity capital to assets | 13.6298% | 1,099 |
| Core capital (leverage) ratio | 13.7464% | 927 |
| Tier 1 risk-based capital ratio | 26.1059% | 665 |
| Total risk-based capital ratio | 27.3556% | 649 |
| Memoranda: | ||
| Average total assets | $75,038,000 | 4,767 |
| Average earning assets | $70,621,330 | 4,736 |
| Average equity | $10,123,000 | 4,492 |
| Average total loans | $24,933,330 | 5,250 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6586% | 4,246 |
| Cost of funding earning assets | 0.3174% | 3,879 |
| Net interest margin | 3.3412% | 3,875 |
| Noninterest income to average assets | 0.5191% | 2,846 |
| Noninterest expense to average assets | 2.4063% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0490% | 2,074 |
| Return on assets (ROA) | 1.0490% | 2,121 |
| Pretax return on assets | 1.2437% | 2,433 |
| Return on Equity (ROE) | 7.8182% | 3,014 |
| Retained earnings to average equity (ytd only) | 7.8182% | 1,541 |
| Net charge-offs to loans | -0.2111% | 5,630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9259% | 3,510 |
| Assets per employee ($millions) | 4.4220% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6550% | 265 |
| Loan loss allowance to noncurrent loans | 242.9104% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 3,600 |
| Noncurrent loans to loans | 1.0930% | 1,871 |
| Net loans and leases to total assets | 31.7517% | 5,547 |
| Net loans and leases to deposits | 36.8008% | 5,557 |
| Net loans and leases to core deposits | 38.9494% | 5,546 |
| Total domestic deposits to total assets | 86.2798% | 2,542 |
| Equity capital to assets | 13.4342% | 1,094 |
| Core capital (leverage) ratio | 13.6249% | 936 |
| Tier 1 risk-based capital ratio | 25.8463% | 698 |
| Total risk-based capital ratio | 27.1012% | 684 |
| Memoranda: | ||
| Average total assets | $73,972,500 | 4,830 |
| Average earning assets | $69,317,000 | 4,800 |
| Average equity | $9,925,500 | 4,554 |
| Average total loans | $24,636,000 | 5,314 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 4,051 |
| Cost of funding earning assets | 0.3210% | 3,836 |
| Net interest margin | 3.4291% | 3,715 |
| Noninterest income to average assets | 0.7126% | 2,114 |
| Noninterest expense to average assets | 2.3928% | 4,317 |
| Loan and lease loss provision to assets | 0.4562% | 312 |
| Net operating income to assets | 0.9018% | 2,813 |
| Return on assets (ROA) | 1.0810% | 2,081 |
| Pretax return on assets | 1.3091% | 2,249 |
| Return on Equity (ROE) | 7.7110% | 3,109 |
| Retained earnings to average equity (ytd only) | 1.9350% | 4,436 |
| Net charge-offs to loans | 0.7441% | 281 |
| Credit loss provision to net charge-offs | 175.1295% | 1,588 |
| Earnings coverage of net charge-offs (x) | 5.9482% | 3,250 |
| Efficiency ratio | 60.6984% | 4,468 |
| Assets per employee ($millions) | 4.2806% | 3,472 |
| Cash dividends to net income (ytd only)* | 74.9064% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5776% | 284 |
| Loan loss allowance to noncurrent loans | 155.6098% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 3,043 |
| Noncurrent loans to loans | 1.6564% | 1,170 |
| Net loans and leases to total assets | 33.1368% | 5,569 |
| Net loans and leases to deposits | 38.7125% | 5,584 |
| Net loans and leases to core deposits | 39.7776% | 5,601 |
| Total domestic deposits to total assets | 85.5973% | 2,781 |
| Equity capital to assets | 13.4064% | 1,086 |
| Core capital (leverage) ratio | 13.5546% | 955 |
| Tier 1 risk-based capital ratio | 25.7720% | 708 |
| Total risk-based capital ratio | 27.0266% | 694 |
| Memoranda: | ||
| Average total assets | $74,098,400 | 4,846 |
| Average earning assets | $69,786,000 | 4,810 |
| Average equity | $10,387,800 | 4,509 |
| Average total loans | $25,936,200 | 5,315 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 4,161 |
| Cost of funding earning assets | 0.3224% | 3,838 |
| Net interest margin | 3.4034% | 3,825 |
| Noninterest income to average assets | 0.7703% | 1,881 |
| Noninterest expense to average assets | 2.4022% | 4,277 |
| Loan and lease loss provision to assets | 0.4048% | 360 |
| Net operating income to assets | 0.9251% | 2,782 |
| Return on assets (ROA) | 1.1429% | 1,946 |
| Pretax return on assets | 1.4313% | 1,938 |
| Return on Equity (ROE) | 8.0663% | 2,971 |
| Retained earnings to average equity (ytd only) | 8.0663% | 1,147 |
| Net charge-offs to loans | 0.1677% | 1,367 |
| Credit loss provision to net charge-offs | 684.8485% | 572 |
| Earnings coverage of net charge-offs (x) | 26.4539% | 1,599 |
| Efficiency ratio | 60.5691% | 4,455 |
| Assets per employee ($millions) | 4.3413% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5952% | 296 |
| Loan loss allowance to noncurrent loans | 48.0056% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 1.9363% | 816 |
| Noncurrent loans to loans | 5.4061% | 144 |
| Net loans and leases to total assets | 34.8866% | 5,593 |
| Net loans and leases to deposits | 41.3274% | 5,601 |
| Net loans and leases to core deposits | 43.5725% | 5,594 |
| Total domestic deposits to total assets | 84.4151% | 3,058 |
| Equity capital to assets | 14.7245% | 809 |
| Core capital (leverage) ratio | 13.7641% | 926 |
| Tier 1 risk-based capital ratio | 25.7156% | 738 |
| Total risk-based capital ratio | 26.9724% | 722 |
| Memoranda: | ||
| Average total assets | $74,430,250 | 4,877 |
| Average earning assets | $69,889,500 | 4,847 |
| Average equity | $10,545,750 | 4,531 |
| Average total loans | $26,232,250 | 5,365 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 4,079 |
| Cost of funding earning assets | 0.3212% | 3,888 |
| Net interest margin | 3.4420% | 3,716 |
| Noninterest income to average assets | 0.5975% | 2,631 |
| Noninterest expense to average assets | 2.4062% | 4,315 |
| Loan and lease loss provision to assets | 0.2144% | 985 |
| Net operating income to assets | 0.9602% | 2,578 |
| Return on assets (ROA) | 1.2058% | 1,676 |
| Pretax return on assets | 1.5327% | 1,578 |
| Return on Equity (ROE) | 8.6218% | 2,683 |
| Retained earnings to average equity (ytd only) | 8.6218% | 962 |
| Net charge-offs to loans | -0.0153% | 4,844 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6220% | 4,248 |
| Assets per employee ($millions) | 3.9299% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0570% | 665 |
| Loan loss allowance to noncurrent loans | 87.9205% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.9241% | 2,307 |
| Noncurrent loans to loans | 2.3396% | 772 |
| Net loans and leases to total assets | 36.6672% | 5,579 |
| Net loans and leases to deposits | 43.2767% | 5,586 |
| Net loans and leases to core deposits | 44.5397% | 5,610 |
| Total domestic deposits to total assets | 84.7273% | 2,988 |
| Equity capital to assets | 14.4370% | 891 |
| Core capital (leverage) ratio | 13.6173% | 945 |
| Tier 1 risk-based capital ratio | 24.9415% | 813 |
| Total risk-based capital ratio | 26.1953% | 801 |
| Memoranda: | ||
| Average total assets | $74,639,670 | 4,920 |
| Average earning assets | $70,367,000 | 4,873 |
| Average equity | $10,438,670 | 4,579 |
| Average total loans | $26,165,330 | 5,426 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6395% | 4,507 |
| Cost of funding earning assets | 0.3252% | 3,896 |
| Net interest margin | 3.3143% | 4,169 |
| Noninterest income to average assets | 0.6003% | 2,530 |
| Noninterest expense to average assets | 2.4013% | 4,367 |
| Loan and lease loss provision to assets | 0.1608% | 1,288 |
| Net operating income to assets | 0.9378% | 2,570 |
| Return on assets (ROA) | 1.2543% | 1,491 |
| Pretax return on assets | 1.5384% | 1,477 |
| Return on Equity (ROE) | 9.1157% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.1157% | 1,077 |
| Net charge-offs to loans | 0.0317% | 2,318 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 122.5000% | 463 |
| Efficiency ratio | 64.6465% | 4,025 |
| Assets per employee ($millions) | 3.7511% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9303% | 924 |
| Loan loss allowance to noncurrent loans | 144.3213% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 3,486 |
| Noncurrent loans to loans | 1.3375% | 1,781 |
| Net loans and leases to total assets | 35.2821% | 5,663 |
| Net loans and leases to deposits | 41.2457% | 5,673 |
| Net loans and leases to core deposits | 43.6833% | 5,667 |
| Total domestic deposits to total assets | 85.5414% | 2,894 |
| Equity capital to assets | 13.8814% | 1,023 |
| Core capital (leverage) ratio | 13.1489% | 1,103 |
| Tier 1 risk-based capital ratio | 25.5341% | 769 |
| Total risk-based capital ratio | 26.7864% | 757 |
| Memoranda: | ||
| Average total assets | $74,625,000 | 4,961 |
| Average earning assets | $70,119,500 | 4,925 |
| Average equity | $10,268,000 | 4,621 |
| Average total loans | $25,271,000 | 5,501 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9689% | 3,434 |
| Cost of funding earning assets | 0.3314% | 3,892 |
| Net interest margin | 3.6375% | 2,990 |
| Noninterest income to average assets | 0.4812% | 3,456 |
| Noninterest expense to average assets | 2.5218% | 4,158 |
| Loan and lease loss provision to assets | 0.2864% | 620 |
| Net operating income to assets | 0.9455% | 2,637 |
| Return on assets (ROA) | 0.9566% | 2,662 |
| Pretax return on assets | 1.1127% | 2,985 |
| Return on Equity (ROE) | 6.6030% | 3,731 |
| Retained earnings to average equity (ytd only) | 1.6606% | 4,778 |
| Net charge-offs to loans | 1.6675% | 90 |
| Credit loss provision to net charge-offs | 48.5437% | 3,425 |
| Earnings coverage of net charge-offs (x) | 2.3495% | 3,925 |
| Efficiency ratio | 64.5291% | 4,161 |
| Assets per employee ($millions) | 3.7115% | 4,455 |
| Cash dividends to net income (ytd only)* | 74.8503% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0932% | 693 |
| Loan loss allowance to noncurrent loans | 174.8227% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 3,895 |
| Noncurrent loans to loans | 1.1974% | 1,969 |
| Net loans and leases to total assets | 31.0647% | 5,861 |
| Net loans and leases to deposits | 36.5118% | 5,877 |
| Net loans and leases to core deposits | 37.7305% | 5,885 |
| Total domestic deposits to total assets | 85.0813% | 3,052 |
| Equity capital to assets | 13.6362% | 1,067 |
| Core capital (leverage) ratio | 13.3590% | 1,013 |
| Tier 1 risk-based capital ratio | 28.2061% | 590 |
| Total risk-based capital ratio | 29.4570% | 582 |
| Memoranda: | ||
| Average total assets | $69,829,800 | 5,097 |
| Average earning assets | $65,786,600 | 5,048 |
| Average equity | $10,116,600 | 4,646 |
| Average total loans | $24,708,000 | 5,563 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 3,442 |
| Cost of funding earning assets | 0.3374% | 3,895 |
| Net interest margin | 3.6375% | 3,006 |
| Noninterest income to average assets | 0.5160% | 3,254 |
| Noninterest expense to average assets | 2.5781% | 3,951 |
| Loan and lease loss provision to assets | 0.3298% | 421 |
| Net operating income to assets | 0.9083% | 2,923 |
| Return on assets (ROA) | 0.9118% | 2,995 |
| Pretax return on assets | 1.0417% | 3,448 |
| Return on Equity (ROE) | 6.1951% | 4,058 |
| Retained earnings to average equity (ytd only) | 6.1951% | 2,121 |
| Net charge-offs to loans | 0.3254% | 815 |
| Credit loss provision to net charge-offs | 278.6885% | 1,034 |
| Earnings coverage of net charge-offs (x) | 11.5576% | 2,476 |
| Efficiency ratio | 65.3392% | 4,003 |
| Assets per employee ($millions) | 3.1974% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3993% | 164 |
| Loan loss allowance to noncurrent loans | 131.5024% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 2,532 |
| Noncurrent loans to loans | 2.5850% | 773 |
| Net loans and leases to total assets | 32.8850% | 5,898 |
| Net loans and leases to deposits | 38.8043% | 5,906 |
| Net loans and leases to core deposits | 40.0561% | 5,915 |
| Total domestic deposits to total assets | 84.7460% | 3,114 |
| Equity capital to assets | 14.7025% | 806 |
| Core capital (leverage) ratio | 14.1273% | 829 |
| Tier 1 risk-based capital ratio | 29.7413% | 541 |
| Total risk-based capital ratio | 31.0052% | 531 |
| Memoranda: | ||
| Average total assets | $68,730,000 | 5,181 |
| Average earning assets | $64,805,500 | 5,127 |
| Average equity | $10,115,250 | 4,696 |
| Average total loans | $24,997,000 | 5,617 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,295 |
| Cost of funding earning assets | 0.3353% | 3,980 |
| Net interest margin | 3.6635% | 2,863 |
| Noninterest income to average assets | 0.4341% | 3,824 |
| Noninterest expense to average assets | 2.5809% | 3,976 |
| Loan and lease loss provision to assets | 0.3519% | 378 |
| Net operating income to assets | 0.8424% | 3,158 |
| Return on assets (ROA) | 0.8476% | 3,239 |
| Pretax return on assets | 0.9678% | 3,705 |
| Return on Equity (ROE) | 5.7572% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.7572% | 2,375 |
| Net charge-offs to loans | 0.4498% | 569 |
| Credit loss provision to net charge-offs | 210.5263% | 1,180 |
| Earnings coverage of net charge-offs (x) | 7.8596% | 2,618 |
| Efficiency ratio | 66.2651% | 3,962 |
| Assets per employee ($millions) | 3.1891% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2409% | 208 |
| Loan loss allowance to noncurrent loans | 106.2241% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 2,352 |
| Noncurrent loans to loans | 3.0510% | 648 |
| Net loans and leases to total assets | 32.6810% | 5,941 |
| Net loans and leases to deposits | 38.2705% | 5,967 |
| Net loans and leases to core deposits | 39.4980% | 5,973 |
| Total domestic deposits to total assets | 85.3948% | 2,970 |
| Equity capital to assets | 14.2945% | 879 |
| Core capital (leverage) ratio | 14.1708% | 795 |
| Tier 1 risk-based capital ratio | 29.0020% | 589 |
| Total risk-based capital ratio | 30.2632% | 583 |
| Memoranda: | ||
| Average total assets | $68,192,670 | 5,249 |
| Average earning assets | $64,419,330 | 5,191 |
| Average equity | $10,039,670 | 4,742 |
| Average total loans | $25,347,330 | 5,654 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0439% | 3,072 |
| Cost of funding earning assets | 0.3454% | 3,922 |
| Net interest margin | 3.6985% | 2,621 |
| Noninterest income to average assets | 0.6666% | 2,328 |
| Noninterest expense to average assets | 2.5830% | 3,993 |
| Loan and lease loss provision to assets | 0.3571% | 358 |
| Net operating income to assets | 1.0661% | 1,981 |
| Return on assets (ROA) | 1.0713% | 2,089 |
| Pretax return on assets | 1.2379% | 2,517 |
| Return on Equity (ROE) | 7.1677% | 3,417 |
| Retained earnings to average equity (ytd only) | 7.1677% | 1,936 |
| Net charge-offs to loans | 0.1070% | 1,670 |
| Credit loss provision to net charge-offs | 857.1429% | 367 |
| Earnings coverage of net charge-offs (x) | 38.1429% | 1,003 |
| Efficiency ratio | 61.9116% | 4,811 |
| Assets per employee ($millions) | 3.2087% | 5,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8413% | 353 |
| Loan loss allowance to noncurrent loans | 116.4363% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.4381% | 1,838 |
| Noncurrent loans to loans | 2.4402% | 1,001 |
| Net loans and leases to total assets | 38.4672% | 5,700 |
| Net loans and leases to deposits | 45.6418% | 5,667 |
| Net loans and leases to core deposits | 47.5230% | 5,686 |
| Total domestic deposits to total assets | 84.2807% | 3,706 |
| Equity capital to assets | 15.1435% | 692 |
| Core capital (leverage) ratio | 14.2706% | 749 |
| Tier 1 risk-based capital ratio | 26.4788% | 755 |
| Total risk-based capital ratio | 26.4788% | 846 |
| Memoranda: | ||
| Average total assets | $67,209,000 | 5,324 |
| Average earning assets | $63,701,000 | 5,254 |
| Average equity | $10,045,000 | 4,766 |
| Average total loans | $26,172,500 | 5,670 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1982% | 2,962 |
| Cost of funding earning assets | 0.3764% | 3,953 |
| Net interest margin | 3.8218% | 2,542 |
| Noninterest income to average assets | 0.7146% | 2,237 |
| Noninterest expense to average assets | 2.5679% | 4,332 |
| Loan and lease loss provision to assets | 0.2725% | 792 |
| Net operating income to assets | 1.1742% | 1,661 |
| Return on assets (ROA) | 1.2037% | 1,630 |
| Pretax return on assets | 1.4929% | 1,569 |
| Return on Equity (ROE) | 8.0583% | 3,106 |
| Retained earnings to average equity (ytd only) | 0.7095% | 5,446 |
| Net charge-offs to loans | 1.0697% | 269 |
| Credit loss provision to net charge-offs | 65.6934% | 3,167 |
| Earnings coverage of net charge-offs (x) | 4.1679% | 3,719 |
| Efficiency ratio | 59.7604% | 5,253 |
| Assets per employee ($millions) | 2.9146% | 5,808 |
| Cash dividends to net income (ytd only)* | 91.1950% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7467% | 402 |
| Loan loss allowance to noncurrent loans | 89.3536% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.6514% | 1,633 |
| Noncurrent loans to loans | 3.0740% | 725 |
| Net loans and leases to total assets | 37.2367% | 5,892 |
| Net loans and leases to deposits | 44.4955% | 5,864 |
| Net loans and leases to core deposits | 46.0044% | 5,892 |
| Total domestic deposits to total assets | 83.6864% | 3,849 |
| Equity capital to assets | 14.7473% | 746 |
| Core capital (leverage) ratio | 14.1805% | 770 |
| Tier 1 risk-based capital ratio | 26.7101% | 703 |
| Total risk-based capital ratio | 27.9686% | 684 |
| Memoranda: | ||
| Average total assets | $66,047,400 | 5,390 |
| Average earning assets | $61,907,600 | 5,344 |
| Average equity | $9,865,600 | 4,780 |
| Average total loans | $25,615,800 | 5,751 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 3,023 |
| Cost of funding earning assets | 0.3860% | 3,947 |
| Net interest margin | 3.8053% | 2,603 |
| Noninterest income to average assets | 0.7173% | 2,248 |
| Noninterest expense to average assets | 2.5977% | 4,203 |
| Loan and lease loss provision to assets | 0.2432% | 901 |
| Net operating income to assets | 1.1622% | 1,818 |
| Return on assets (ROA) | 1.2016% | 1,745 |
| Pretax return on assets | 1.4812% | 1,707 |
| Return on Equity (ROE) | 8.0184% | 3,193 |
| Retained earnings to average equity (ytd only) | 8.0184% | 1,352 |
| Net charge-offs to loans | 1.3644% | 189 |
| Credit loss provision to net charge-offs | 45.8015% | 3,181 |
| Earnings coverage of net charge-offs (x) | 3.1565% | 3,721 |
| Efficiency ratio | 60.7871% | 5,076 |
| Assets per employee ($millions) | 2.8688% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5903% | 584 |
| Loan loss allowance to noncurrent loans | 87.8342% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.6171% | 1,875 |
| Noncurrent loans to loans | 2.9491% | 912 |
| Net loans and leases to total assets | 37.4451% | 5,969 |
| Net loans and leases to deposits | 44.5733% | 5,942 |
| Net loans and leases to core deposits | 47.7375% | 5,897 |
| Total domestic deposits to total assets | 84.0078% | 3,761 |
| Equity capital to assets | 15.6194% | 614 |
| Core capital (leverage) ratio | 15.1101% | 600 |
| Tier 1 risk-based capital ratio | 28.3939% | 620 |
| Total risk-based capital ratio | 29.6507% | 599 |
| Memoranda: | ||
| Average total assets | $65,800,250 | 5,458 |
| Average earning assets | $61,491,500 | 5,421 |
| Average equity | $9,860,500 | 4,817 |
| Average total loans | $25,603,000 | 5,806 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 3,119 |
| Cost of funding earning assets | 0.3880% | 4,019 |
| Net interest margin | 3.7688% | 2,673 |
| Noninterest income to average assets | 0.7849% | 1,901 |
| Noninterest expense to average assets | 2.4795% | 4,644 |
| Loan and lease loss provision to assets | 0.1825% | 1,343 |
| Net operating income to assets | 1.2901% | 1,341 |
| Return on assets (ROA) | 1.3477% | 1,233 |
| Pretax return on assets | 1.7128% | 993 |
| Return on Equity (ROE) | 9.1227% | 2,538 |
| Retained earnings to average equity (ytd only) | 9.1227% | 950 |
| Net charge-offs to loans | -0.0545% | 5,920 |
| Credit loss provision to net charge-offs | -857.1429% | 5,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6379% | 5,595 |
| Assets per employee ($millions) | 3.0075% | 5,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1947% | 307 |
| Loan loss allowance to noncurrent loans | 65.1618% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.5270% | 1,113 |
| Noncurrent loans to loans | 4.9028% | 413 |
| Net loans and leases to total assets | 39.6593% | 5,846 |
| Net loans and leases to deposits | 46.9932% | 5,827 |
| Net loans and leases to core deposits | 48.9735% | 5,851 |
| Total domestic deposits to total assets | 84.3938% | 3,780 |
| Equity capital to assets | 15.2858% | 642 |
| Core capital (leverage) ratio | 15.2122% | 570 |
| Tier 1 risk-based capital ratio | 26.8019% | 713 |
| Total risk-based capital ratio | 28.0661% | 699 |
| Memoranda: | ||
| Average total assets | $65,739,670 | 5,513 |
| Average earning assets | $61,346,330 | 5,472 |
| Average equity | $9,712,000 | 4,861 |
| Average total loans | $25,682,670 | 5,850 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 2,337 |
| Cost of funding earning assets | 0.3776% | 4,223 |
| Net interest margin | 3.9715% | 1,851 |
| Noninterest income to average assets | 0.7325% | 2,025 |
| Noninterest expense to average assets | 2.4296% | 4,846 |
| Loan and lease loss provision to assets | 0.1831% | 1,307 |
| Net operating income to assets | 1.3811% | 1,032 |
| Return on assets (ROA) | 1.4590% | 910 |
| Pretax return on assets | 1.9473% | 595 |
| Return on Equity (ROE) | 10.0515% | 2,018 |
| Retained earnings to average equity (ytd only) | 10.0515% | 948 |
| Net charge-offs to loans | -0.0801% | 6,034 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5205% | 5,972 |
| Assets per employee ($millions) | 3.0912% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1471% | 374 |
| Loan loss allowance to noncurrent loans | 94.9886% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.9117% | 1,797 |
| Noncurrent loans to loans | 3.3131% | 917 |
| Net loans and leases to total assets | 39.5388% | 5,840 |
| Net loans and leases to deposits | 46.5910% | 5,810 |
| Net loans and leases to core deposits | 48.7003% | 5,842 |
| Total domestic deposits to total assets | 84.8635% | 3,933 |
| Equity capital to assets | 14.9948% | 676 |
| Core capital (leverage) ratio | 14.7502% | 636 |
| Tier 1 risk-based capital ratio | 26.8726% | 720 |
| Total risk-based capital ratio | 28.1362% | 709 |
| Memoranda: | ||
| Average total assets | $65,526,500 | 5,579 |
| Average earning assets | $61,437,500 | 5,529 |
| Average equity | $9,511,000 | 4,931 |
| Average total loans | $24,970,500 | 5,937 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 3,231 |
| Cost of funding earning assets | 0.4470% | 4,145 |
| Net interest margin | 3.7830% | 2,717 |
| Noninterest income to average assets | 0.6786% | 2,656 |
| Noninterest expense to average assets | 2.3691% | 5,167 |
| Loan and lease loss provision to assets | 0.1826% | 2,021 |
| Net operating income to assets | 1.2851% | 1,290 |
| Return on assets (ROA) | 1.3314% | 1,220 |
| Pretax return on assets | 1.7422% | 869 |
| Return on Equity (ROE) | 8.8252% | 2,628 |
| Retained earnings to average equity (ytd only) | 0.7564% | 5,498 |
| Net charge-offs to loans | 0.9528% | 628 |
| Credit loss provision to net charge-offs | 51.7241% | 3,771 |
| Earnings coverage of net charge-offs (x) | 5.2802% | 3,339 |
| Efficiency ratio | 55.9669% | 5,950 |
| Assets per employee ($millions) | 3.4809% | 4,938 |
| Cash dividends to net income (ytd only)* | 91.4286% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4087% | 314 |
| Loan loss allowance to noncurrent loans | 150.4708% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3517% | 2,722 |
| Noncurrent loans to loans | 2.2654% | 1,706 |
| Net loans and leases to total assets | 34.2335% | 6,287 |
| Net loans and leases to deposits | 39.9207% | 6,305 |
| Net loans and leases to core deposits | 41.4860% | 6,321 |
| Total domestic deposits to total assets | 85.7538% | 3,388 |
| Equity capital to assets | 14.0436% | 884 |
| Core capital (leverage) ratio | 14.0662% | 807 |
| Tier 1 risk-based capital ratio | 28.0051% | 609 |
| Total risk-based capital ratio | 29.2662% | 594 |
| Memoranda: | ||
| Average total assets | $65,722,000 | 5,603 |
| Average earning assets | $61,749,800 | 5,543 |
| Average equity | $9,914,800 | 4,867 |
| Average total loans | $24,350,400 | 6,014 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 3,346 |
| Cost of funding earning assets | 0.4585% | 4,182 |
| Net interest margin | 3.7525% | 2,836 |
| Noninterest income to average assets | 0.6726% | 2,767 |
| Noninterest expense to average assets | 2.3489% | 5,185 |
| Loan and lease loss provision to assets | 0.1625% | 2,226 |
| Net operating income to assets | 1.2798% | 1,398 |
| Return on assets (ROA) | 1.3431% | 1,287 |
| Pretax return on assets | 1.7698% | 963 |
| Return on Equity (ROE) | 8.7505% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.7505% | 1,140 |
| Net charge-offs to loans | 1.1446% | 482 |
| Credit loss provision to net charge-offs | 37.9147% | 3,752 |
| Earnings coverage of net charge-offs (x) | 4.3127% | 3,473 |
| Efficiency ratio | 55.9535% | 5,907 |
| Assets per employee ($millions) | 3.6034% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2534% | 431 |
| Loan loss allowance to noncurrent loans | 47.2441% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 3.1036% | 1,179 |
| Noncurrent loans to loans | 6.8863% | 307 |
| Net loans and leases to total assets | 35.7611% | 6,291 |
| Net loans and leases to deposits | 42.3081% | 6,286 |
| Net loans and leases to core deposits | 44.5390% | 6,275 |
| Total domestic deposits to total assets | 84.5254% | 3,963 |
| Equity capital to assets | 15.2187% | 678 |
| Core capital (leverage) ratio | 15.7106% | 535 |
| Tier 1 risk-based capital ratio | 29.4226% | 543 |
| Total risk-based capital ratio | 30.6819% | 536 |
| Memoranda: | ||
| Average total assets | $65,618,250 | 5,662 |
| Average earning assets | $61,646,000 | 5,604 |
| Average equity | $10,071,500 | 4,880 |
| Average total loans | $24,578,000 | 6,059 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1905% | 3,413 |
| Cost of funding earning assets | 0.4710% | 4,195 |
| Net interest margin | 3.7195% | 2,885 |
| Noninterest income to average assets | 0.7014% | 2,631 |
| Noninterest expense to average assets | 2.2043% | 5,617 |
| Loan and lease loss provision to assets | 0.1822% | 2,088 |
| Net operating income to assets | 1.3471% | 1,205 |
| Return on assets (ROA) | 1.4392% | 1,086 |
| Pretax return on assets | 1.9402% | 683 |
| Return on Equity (ROE) | 9.3507% | 2,473 |
| Retained earnings to average equity (ytd only) | 9.3507% | 1,011 |
| Net charge-offs to loans | 0.2502% | 2,227 |
| Credit loss provision to net charge-offs | 193.5484% | 1,223 |
| Earnings coverage of net charge-offs (x) | 21.2258% | 1,422 |
| Efficiency ratio | 52.4566% | 6,258 |
| Assets per employee ($millions) | 3.5839% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7591% | 302 |
| Loan loss allowance to noncurrent loans | 136.0347% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.6571% | 2,621 |
| Noncurrent loans to loans | 2.7633% | 1,644 |
| Net loans and leases to total assets | 37.3058% | 6,218 |
| Net loans and leases to deposits | 44.5024% | 6,199 |
| Net loans and leases to core deposits | 46.9123% | 6,188 |
| Total domestic deposits to total assets | 83.8289% | 4,394 |
| Equity capital to assets | 15.6363% | 596 |
| Core capital (leverage) ratio | 15.0292% | 608 |
| Tier 1 risk-based capital ratio | 28.5077% | 602 |
| Total risk-based capital ratio | 29.7771% | 589 |
| Memoranda: | ||
| Average total assets | $65,870,670 | 5,695 |
| Average earning assets | $61,997,330 | 5,625 |
| Average equity | $10,138,330 | 4,901 |
| Average total loans | $24,779,000 | 6,079 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 3,494 |
| Cost of funding earning assets | 0.4829% | 4,263 |
| Net interest margin | 3.6724% | 2,977 |
| Noninterest income to average assets | 0.5349% | 3,532 |
| Noninterest expense to average assets | 2.3621% | 5,226 |
| Loan and lease loss provision to assets | 0.1803% | 2,056 |
| Net operating income to assets | 1.1420% | 1,712 |
| Return on assets (ROA) | 1.1420% | 1,824 |
| Pretax return on assets | 1.4665% | 1,663 |
| Return on Equity (ROE) | 7.4774% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.4774% | 1,949 |
| Net charge-offs to loans | 0.6325% | 966 |
| Credit loss provision to net charge-offs | 76.9231% | 2,196 |
| Earnings coverage of net charge-offs (x) | 7.0256% | 2,130 |
| Efficiency ratio | 58.9205% | 5,727 |
| Assets per employee ($millions) | 3.1333% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6801% | 367 |
| Loan loss allowance to noncurrent loans | 133.2349% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.6034% | 2,863 |
| Noncurrent loans to loans | 2.7621% | 1,840 |
| Net loans and leases to total assets | 35.8790% | 6,303 |
| Net loans and leases to deposits | 43.2761% | 6,254 |
| Net loans and leases to core deposits | 45.5982% | 6,234 |
| Total domestic deposits to total assets | 82.9070% | 4,882 |
| Equity capital to assets | 15.5261% | 630 |
| Core capital (leverage) ratio | 14.4010% | 694 |
| Tier 1 risk-based capital ratio | 28.0540% | 639 |
| Total risk-based capital ratio | 29.3200% | 625 |
| Memoranda: | ||
| Average total assets | $66,551,000 | 5,722 |
| Average earning assets | $62,956,000 | 5,644 |
| Average equity | $10,164,000 | 4,952 |
| Average total loans | $24,665,500 | 6,135 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 3,650 |
| Cost of funding earning assets | 0.5498% | 4,821 |
| Net interest margin | 3.8916% | 2,866 |
| Noninterest income to average assets | 0.7524% | 2,481 |
| Noninterest expense to average assets | 2.4215% | 5,351 |
| Loan and lease loss provision to assets | 0.4864% | 1,253 |
| Net operating income to assets | 1.0530% | 2,110 |
| Return on assets (ROA) | 1.0793% | 2,200 |
| Pretax return on assets | 1.4410% | 1,889 |
| Return on Equity (ROE) | 6.9129% | 3,692 |
| Retained earnings to average equity (ytd only) | 0.3408% | 5,681 |
| Net charge-offs to loans | 0.1696% | 4,019 |
| Credit loss provision to net charge-offs | 761.9048% | 319 |
| Earnings coverage of net charge-offs (x) | 29.6429% | 1,021 |
| Efficiency ratio | 56.1311% | 6,042 |
| Assets per employee ($millions) | 3.2049% | 5,610 |
| Cash dividends to net income (ytd only)* | 95.0704% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6703% | 369 |
| Loan loss allowance to noncurrent loans | 135.1632% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.7339% | 2,792 |
| Noncurrent loans to loans | 2.7154% | 1,947 |
| Net loans and leases to total assets | 35.5259% | 6,464 |
| Net loans and leases to deposits | 42.4780% | 6,444 |
| Net loans and leases to core deposits | 44.6690% | 6,433 |
| Total domestic deposits to total assets | 83.6337% | 4,481 |
| Equity capital to assets | 15.0246% | 727 |
| Core capital (leverage) ratio | 14.1139% | 768 |
| Tier 1 risk-based capital ratio | 27.1709% | 677 |
| Total risk-based capital ratio | 28.4392% | 659 |
| Memoranda: | ||
| Average total assets | $65,785,800 | 5,751 |
| Average earning assets | $60,206,200 | 5,737 |
| Average equity | $10,270,600 | 4,919 |
| Average total loans | $24,767,200 | 6,206 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 3,747 |
| Cost of funding earning assets | 0.5634% | 4,972 |
| Net interest margin | 3.9079% | 2,891 |
| Noninterest income to average assets | 0.7522% | 2,469 |
| Noninterest expense to average assets | 2.4421% | 5,264 |
| Loan and lease loss provision to assets | 0.5504% | 1,055 |
| Net operating income to assets | 0.9605% | 2,701 |
| Return on assets (ROA) | 0.9948% | 2,762 |
| Pretax return on assets | 1.3556% | 2,393 |
| Return on Equity (ROE) | 6.3107% | 4,169 |
| Retained earnings to average equity (ytd only) | 6.3107% | 2,477 |
| Net charge-offs to loans | 0.1885% | 3,609 |
| Credit loss provision to net charge-offs | 771.4286% | 362 |
| Earnings coverage of net charge-offs (x) | 26.0546% | 1,227 |
| Efficiency ratio | 56.7773% | 5,948 |
| Assets per employee ($millions) | 3.6741% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3855% | 515 |
| Loan loss allowance to noncurrent loans | 150.1730% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 3,157 |
| Noncurrent loans to loans | 2.2544% | 2,550 |
| Net loans and leases to total assets | 37.4558% | 6,449 |
| Net loans and leases to deposits | 45.3640% | 6,432 |
| Net loans and leases to core deposits | 47.8583% | 6,426 |
| Total domestic deposits to total assets | 82.5672% | 4,809 |
| Equity capital to assets | 16.1067% | 588 |
| Core capital (leverage) ratio | 14.9388% | 621 |
| Tier 1 risk-based capital ratio | 28.8282% | 598 |
| Total risk-based capital ratio | 30.0940% | 587 |
| Memoranda: | ||
| Average total assets | $65,406,500 | 5,833 |
| Average earning assets | $59,400,250 | 5,834 |
| Average equity | $10,310,250 | 4,958 |
| Average total loans | $24,753,750 | 6,291 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5421% | 3,596 |
| Cost of funding earning assets | 0.5818% | 5,056 |
| Net interest margin | 3.9603% | 2,679 |
| Noninterest income to average assets | 0.8256% | 2,077 |
| Noninterest expense to average assets | 2.5566% | 4,935 |
| Loan and lease loss provision to assets | 0.5525% | 1,112 |
| Net operating income to assets | 0.9313% | 2,758 |
| Return on assets (ROA) | 0.9821% | 2,772 |
| Pretax return on assets | 1.3596% | 2,353 |
| Return on Equity (ROE) | 6.2768% | 4,174 |
| Retained earnings to average equity (ytd only) | 6.2768% | 2,517 |
| Net charge-offs to loans | 0.4497% | 2,255 |
| Credit loss provision to net charge-offs | 327.2727% | 906 |
| Earnings coverage of net charge-offs (x) | 10.9091% | 2,010 |
| Efficiency ratio | 58.1298% | 5,852 |
| Assets per employee ($millions) | 3.6186% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1579% | 671 |
| Loan loss allowance to noncurrent loans | 167.6991% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 3,812 |
| Noncurrent loans to loans | 1.8831% | 3,098 |
| Net loans and leases to total assets | 35.6874% | 6,624 |
| Net loans and leases to deposits | 43.0654% | 6,598 |
| Net loans and leases to core deposits | 45.5472% | 6,592 |
| Total domestic deposits to total assets | 82.8679% | 4,799 |
| Equity capital to assets | 15.9760% | 584 |
| Core capital (leverage) ratio | 14.8126% | 637 |
| Tier 1 risk-based capital ratio | 29.4071% | 548 |
| Total risk-based capital ratio | 30.6691% | 535 |
| Memoranda: | ||
| Average total assets | $65,164,000 | 5,880 |
| Average earning assets | $58,784,000 | 5,880 |
| Average equity | $10,196,330 | 4,983 |
| Average total loans | $24,458,670 | 6,347 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 3,569 |
| Cost of funding earning assets | 0.5929% | 5,185 |
| Net interest margin | 3.9937% | 2,533 |
| Noninterest income to average assets | 0.6567% | 2,890 |
| Noninterest expense to average assets | 2.5898% | 4,858 |
| Loan and lease loss provision to assets | 0.5523% | 1,061 |
| Net operating income to assets | 0.8005% | 3,377 |
| Return on assets (ROA) | 0.9021% | 3,129 |
| Pretax return on assets | 1.2519% | 2,716 |
| Return on Equity (ROE) | 5.8267% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.8267% | 3,060 |
| Net charge-offs to loans | 0.9722% | 1,067 |
| Credit loss provision to net charge-offs | 150.0000% | 1,667 |
| Earnings coverage of net charge-offs (x) | 4.5167% | 2,558 |
| Efficiency ratio | 60.8947% | 5,470 |
| Assets per employee ($millions) | 3.6227% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7168% | 1,096 |
| Loan loss allowance to noncurrent loans | 171.7617% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 1.2054% | 4,113 |
| Noncurrent loans to loans | 1.5817% | 3,740 |
| Net loans and leases to total assets | 36.4076% | 6,599 |
| Net loans and leases to deposits | 43.6175% | 6,578 |
| Net loans and leases to core deposits | 46.1080% | 6,563 |
| Total domestic deposits to total assets | 83.4701% | 4,724 |
| Equity capital to assets | 15.5270% | 655 |
| Core capital (leverage) ratio | 14.6649% | 661 |
| Tier 1 risk-based capital ratio | 28.6921% | 590 |
| Total risk-based capital ratio | 29.9519% | 581 |
| Memoranda: | ||
| Average total assets | $65,178,500 | 5,912 |
| Average earning assets | $58,692,500 | 5,915 |
| Average equity | $10,091,500 | 5,020 |
| Average total loans | $24,686,500 | 6,389 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5779% | 4,760 |
| Cost of funding earning assets | 0.7058% | 5,499 |
| Net interest margin | 3.8720% | 3,462 |
| Noninterest income to average assets | 0.7501% | 2,338 |
| Noninterest expense to average assets | 2.4210% | 5,717 |
| Loan and lease loss provision to assets | 0.9056% | 1,061 |
| Net operating income to assets | 0.6858% | 3,552 |
| Return on assets (ROA) | 0.6913% | 3,717 |
| Pretax return on assets | 0.9418% | 3,459 |
| Return on Equity (ROE) | 4.5618% | 4,593 |
| Retained earnings to average equity (ytd only) | 0.0797% | 5,798 |
| Net charge-offs to loans | 2.5811% | 437 |
| Credit loss provision to net charge-offs | 93.4579% | 3,855 |
| Earnings coverage of net charge-offs (x) | 1.8988% | 4,353 |
| Efficiency ratio | 56.8190% | 6,209 |
| Assets per employee ($millions) | 3.1023% | 5,890 |
| Cash dividends to net income (ytd only)* | 98.2533% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5351% | 1,272 |
| Loan loss allowance to noncurrent loans | 90.5579% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.8604% | 3,170 |
| Noncurrent loans to loans | 2.7995% | 2,342 |
| Net loans and leases to total assets | 37.3549% | 6,674 |
| Net loans and leases to deposits | 45.1118% | 6,668 |
| Net loans and leases to core deposits | 47.5220% | 6,666 |
| Total domestic deposits to total assets | 82.8053% | 4,832 |
| Equity capital to assets | 15.4387% | 687 |
| Core capital (leverage) ratio | 14.5057% | 712 |
| Tier 1 risk-based capital ratio | 27.8526% | 634 |
| Total risk-based capital ratio | 29.1158% | 620 |
| Memoranda: | ||
| Average total assets | $66,254,200 | 5,858 |
| Average earning assets | $60,071,600 | 5,864 |
| Average equity | $10,040,000 | 5,002 |
| Average total loans | $24,873,400 | 6,425 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5458% | 5,100 |
| Cost of funding earning assets | 0.7309% | 5,588 |
| Net interest margin | 3.8150% | 3,800 |
| Noninterest income to average assets | 0.7375% | 2,378 |
| Noninterest expense to average assets | 2.4690% | 5,569 |
| Loan and lease loss provision to assets | 1.0221% | 835 |
| Net operating income to assets | 0.5752% | 4,196 |
| Return on assets (ROA) | 0.5752% | 4,381 |
| Pretax return on assets | 0.7195% | 4,404 |
| Return on Equity (ROE) | 3.8131% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.8131% | 4,015 |
| Net charge-offs to loans | 3.4608% | 230 |
| Credit loss provision to net charge-offs | 79.0698% | 4,168 |
| Earnings coverage of net charge-offs (x) | 1.3473% | 4,608 |
| Efficiency ratio | 58.6387% | 5,910 |
| Assets per employee ($millions) | 3.1999% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 2,017 |
| Loan loss allowance to noncurrent loans | 107.7844% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.5090% | 3,849 |
| Noncurrent loans to loans | 1.9681% | 3,408 |
| Net loans and leases to total assets | 37.0785% | 6,819 |
| Net loans and leases to deposits | 44.4921% | 6,809 |
| Net loans and leases to core deposits | 46.7862% | 6,809 |
| Total domestic deposits to total assets | 83.3373% | 4,540 |
| Equity capital to assets | 15.4796% | 727 |
| Core capital (leverage) ratio | 14.6152% | 743 |
| Tier 1 risk-based capital ratio | 28.0443% | 654 |
| Total risk-based capital ratio | 29.2996% | 642 |
| Memoranda: | ||
| Average total assets | $66,530,750 | 5,895 |
| Average earning assets | $60,566,500 | 5,886 |
| Average equity | $10,035,500 | 5,028 |
| Average total loans | $24,849,500 | 6,485 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 5,358 |
| Cost of funding earning assets | 0.7499% | 5,668 |
| Net interest margin | 3.7495% | 4,035 |
| Noninterest income to average assets | 0.7299% | 2,374 |
| Noninterest expense to average assets | 2.5246% | 5,444 |
| Loan and lease loss provision to assets | 0.7842% | 1,182 |
| Net operating income to assets | 0.6575% | 3,759 |
| Return on assets (ROA) | 0.6575% | 3,883 |
| Pretax return on assets | 0.8596% | 3,794 |
| Return on Equity (ROE) | 4.3981% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.3981% | 3,391 |
| Net charge-offs to loans | 3.1890% | 306 |
| Credit loss provision to net charge-offs | 66.1578% | 4,168 |
| Earnings coverage of net charge-offs (x) | 1.3868% | 4,237 |
| Efficiency ratio | 60.5644% | 5,789 |
| Assets per employee ($millions) | 2.9211% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2420% | 1,836 |
| Loan loss allowance to noncurrent loans | 49.7704% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.9751% | 3,268 |
| Noncurrent loans to loans | 4.5047% | 1,473 |
| Net loans and leases to total assets | 35.1755% | 7,003 |
| Net loans and leases to deposits | 42.0217% | 6,991 |
| Net loans and leases to core deposits | 44.9690% | 6,980 |
| Total domestic deposits to total assets | 83.7079% | 4,473 |
| Equity capital to assets | 15.1430% | 788 |
| Core capital (leverage) ratio | 14.4399% | 774 |
| Tier 1 risk-based capital ratio | 29.4674% | 563 |
| Total risk-based capital ratio | 30.7217% | 547 |
| Memoranda: | ||
| Average total assets | $66,308,330 | 5,949 |
| Average earning assets | $60,808,330 | 5,923 |
| Average equity | $9,913,330 | 5,070 |
| Average total loans | $24,647,330 | 6,554 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 5,339 |
| Cost of funding earning assets | 0.7719% | 5,742 |
| Net interest margin | 3.7277% | 3,960 |
| Noninterest income to average assets | 0.7348% | 2,359 |
| Noninterest expense to average assets | 2.7084% | 4,805 |
| Loan and lease loss provision to assets | 0.5465% | 1,584 |
| Net operating income to assets | 0.6801% | 3,607 |
| Return on assets (ROA) | 0.6801% | 3,673 |
| Pretax return on assets | 0.9109% | 3,459 |
| Return on Equity (ROE) | 4.5794% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.5794% | 3,432 |
| Net charge-offs to loans | 4.6778% | 171 |
| Credit loss provision to net charge-offs | 30.9278% | 4,104 |
| Earnings coverage of net charge-offs (x) | 0.8247% | 4,022 |
| Efficiency ratio | 65.0146% | 5,186 |
| Assets per employee ($millions) | 3.3553% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9131% | 2,647 |
| Loan loss allowance to noncurrent loans | 46.6535% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 1.9715% | 3,352 |
| Noncurrent loans to loans | 4.1007% | 1,754 |
| Net loans and leases to total assets | 36.2143% | 6,992 |
| Net loans and leases to deposits | 42.9539% | 6,989 |
| Net loans and leases to core deposits | 45.9473% | 6,977 |
| Total domestic deposits to total assets | 84.3099% | 4,364 |
| Equity capital to assets | 14.7304% | 828 |
| Core capital (leverage) ratio | 14.4009% | 760 |
| Tier 1 risk-based capital ratio | 28.5649% | 600 |
| Total risk-based capital ratio | 29.8158% | 589 |
| Memoranda: | ||
| Average total assets | $65,869,500 | 5,996 |
| Average earning assets | $60,626,500 | 5,974 |
| Average equity | $9,783,000 | 5,100 |
| Average total loans | $24,883,500 | 6,592 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9468% | 4,800 |
| Cost of funding earning assets | 1.0652% | 5,340 |
| Net interest margin | 3.8816% | 3,576 |
| Noninterest income to average assets | 0.6354% | 3,241 |
| Noninterest expense to average assets | 2.4156% | 6,059 |
| Loan and lease loss provision to assets | 0.8441% | 1,941 |
| Net operating income to assets | 0.6700% | 3,344 |
| Return on assets (ROA) | 0.6768% | 3,451 |
| Pretax return on assets | 0.9193% | 3,206 |
| Return on Equity (ROE) | 4.4152% | 4,337 |
| Retained earnings to average equity (ytd only) | 0.4105% | 5,372 |
| Net charge-offs to loans | 1.9379% | 1,059 |
| Credit loss provision to net charge-offs | 110.4418% | 3,983 |
| Earnings coverage of net charge-offs (x) | 2.2952% | 4,007 |
| Efficiency ratio | 57.9315% | 6,344 |
| Assets per employee ($millions) | 3.4017% | 5,163 |
| Cash dividends to net income (ytd only)* | 90.7029% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7010% | 1,165 |
| Loan loss allowance to noncurrent loans | 54.9674% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 2.1243% | 3,186 |
| Noncurrent loans to loans | 4.9138% | 1,383 |
| Net loans and leases to total assets | 37.6216% | 7,092 |
| Net loans and leases to deposits | 44.6476% | 7,094 |
| Net loans and leases to core deposits | 47.2651% | 7,107 |
| Total domestic deposits to total assets | 84.2635% | 4,237 |
| Equity capital to assets | 14.9784% | 793 |
| Core capital (leverage) ratio | 14.2397% | 802 |
| Tier 1 risk-based capital ratio | 28.1881% | 592 |
| Total risk-based capital ratio | 29.4465% | 577 |
| Memoranda: | ||
| Average total assets | $65,159,800 | 6,025 |
| Average earning assets | $59,331,400 | 6,015 |
| Average equity | $9,988,200 | 5,142 |
| Average total loans | $25,697,600 | 6,627 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0473% | 4,599 |
| Cost of funding earning assets | 1.1168% | 5,333 |
| Net interest margin | 3.9304% | 3,404 |
| Noninterest income to average assets | 0.6310% | 3,248 |
| Noninterest expense to average assets | 2.4587% | 5,860 |
| Loan and lease loss provision to assets | 0.7351% | 2,082 |
| Net operating income to assets | 0.7271% | 3,290 |
| Return on assets (ROA) | 0.7331% | 3,428 |
| Pretax return on assets | 1.0027% | 3,174 |
| Return on Equity (ROE) | 4.7556% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.7556% | 3,151 |
| Net charge-offs to loans | 1.5356% | 1,307 |
| Credit loss provision to net charge-offs | 120.8054% | 3,411 |
| Earnings coverage of net charge-offs (x) | 2.8423% | 3,714 |
| Efficiency ratio | 58.7031% | 6,164 |
| Assets per employee ($millions) | 3.2758% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5985% | 1,209 |
| Loan loss allowance to noncurrent loans | 113.9767% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 1.1387% | 4,843 |
| Noncurrent loans to loans | 2.2799% | 3,351 |
| Net loans and leases to total assets | 39.1904% | 7,121 |
| Net loans and leases to deposits | 47.3081% | 7,115 |
| Net loans and leases to core deposits | 50.8325% | 7,088 |
| Total domestic deposits to total assets | 82.8408% | 4,658 |
| Equity capital to assets | 15.7427% | 721 |
| Core capital (leverage) ratio | 14.7871% | 760 |
| Tier 1 risk-based capital ratio | 28.2105% | 616 |
| Total risk-based capital ratio | 29.4431% | 600 |
| Memoranda: | ||
| Average total assets | $65,291,500 | 6,090 |
| Average earning assets | $59,093,250 | 6,093 |
| Average equity | $10,065,000 | 5,174 |
| Average total loans | $25,874,250 | 6,706 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1051% | 4,426 |
| Cost of funding earning assets | 1.1492% | 5,410 |
| Net interest margin | 3.9559% | 3,221 |
| Noninterest income to average assets | 0.5796% | 3,483 |
| Noninterest expense to average assets | 2.4687% | 5,842 |
| Loan and lease loss provision to assets | 0.4600% | 3,016 |
| Net operating income to assets | 0.8574% | 2,704 |
| Return on assets (ROA) | 0.8617% | 2,826 |
| Pretax return on assets | 1.2144% | 2,366 |
| Return on Equity (ROE) | 5.6301% | 3,978 |
| Retained earnings to average equity (ytd only) | 5.6301% | 2,540 |
| Net charge-offs to loans | 0.7078% | 2,446 |
| Credit loss provision to net charge-offs | 164.8352% | 2,385 |
| Earnings coverage of net charge-offs (x) | 5.9780% | 2,553 |
| Efficiency ratio | 59.6738% | 6,104 |
| Assets per employee ($millions) | 4.1550% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6019% | 1,191 |
| Loan loss allowance to noncurrent loans | 140.3292% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 5,550 |
| Noncurrent loans to loans | 1.8541% | 3,930 |
| Net loans and leases to total assets | 38.4025% | 7,247 |
| Net loans and leases to deposits | 45.9751% | 7,249 |
| Net loans and leases to core deposits | 49.5459% | 7,226 |
| Total domestic deposits to total assets | 83.5289% | 4,322 |
| Equity capital to assets | 15.3490% | 807 |
| Core capital (leverage) ratio | 14.8318% | 759 |
| Tier 1 risk-based capital ratio | 28.1287% | 619 |
| Total risk-based capital ratio | 29.3943% | 605 |
| Memoranda: | ||
| Average total assets | $65,216,670 | 6,130 |
| Average earning assets | $58,647,000 | 6,154 |
| Average equity | $9,982,000 | 5,205 |
| Average total loans | $25,712,000 | 6,759 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8912% | 5,501 |
| Cost of funding earning assets | 1.1799% | 5,510 |
| Net interest margin | 3.7113% | 4,184 |
| Noninterest income to average assets | 0.3221% | 5,572 |
| Noninterest expense to average assets | 2.5641% | 5,495 |
| Loan and lease loss provision to assets | 0.3716% | 3,140 |
| Net operating income to assets | 0.5760% | 4,001 |
| Return on assets (ROA) | 0.5760% | 4,144 |
| Pretax return on assets | 0.7370% | 4,103 |
| Return on Equity (ROE) | 3.7686% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.7686% | 3,885 |
| Net charge-offs to loans | 0.5813% | 2,354 |
| Credit loss provision to net charge-offs | 162.1622% | 2,229 |
| Earnings coverage of net charge-offs (x) | 4.8378% | 2,533 |
| Efficiency ratio | 69.8145% | 4,344 |
| Assets per employee ($millions) | 3.2751% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5721% | 1,213 |
| Loan loss allowance to noncurrent loans | 58.5145% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.8244% | 3,747 |
| Noncurrent loans to loans | 4.3956% | 1,712 |
| Net loans and leases to total assets | 37.3582% | 7,372 |
| Net loans and leases to deposits | 44.4319% | 7,387 |
| Net loans and leases to core deposits | 47.7361% | 7,373 |
| Total domestic deposits to total assets | 84.0796% | 4,109 |
| Equity capital to assets | 15.1860% | 837 |
| Core capital (leverage) ratio | 14.7599% | 798 |
| Tier 1 risk-based capital ratio | 28.3497% | 614 |
| Total risk-based capital ratio | 28.4072% | 682 |
| Memoranda: | ||
| Average total assets | $64,585,000 | 6,223 |
| Average earning assets | $58,309,000 | 6,234 |
| Average equity | $9,871,000 | 5,275 |
| Average total loans | $25,462,000 | 6,850 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4794% | 4,258 |
| Cost of funding earning assets | 1.4205% | 5,843 |
| Net interest margin | 4.0589% | 2,614 |
| Noninterest income to average assets | 0.7792% | 2,516 |
| Noninterest expense to average assets | 2.4979% | 6,135 |
| Loan and lease loss provision to assets | 1.3095% | 1,760 |
| Net operating income to assets | 0.4945% | 3,749 |
| Return on assets (ROA) | 0.3356% | 4,480 |
| Pretax return on assets | 0.4583% | 4,326 |
| Return on Equity (ROE) | 2.1140% | 4,856 |
| Retained earnings to average equity (ytd only) | -0.9590% | 5,243 |
| Net charge-offs to loans | 3.0542% | 684 |
| Credit loss provision to net charge-offs | 98.7654% | 5,639 |
| Earnings coverage of net charge-offs (x) | 1.4975% | 4,628 |
| Efficiency ratio | 55.7138% | 7,050 |
| Assets per employee ($millions) | 3.1835% | 5,760 |
| Cash dividends to net income (ytd only)* | 145.3659% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4140% | 1,339 |
| Loan loss allowance to noncurrent loans | 39.7575% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 2.8554% | 2,458 |
| Noncurrent loans to loans | 6.0718% | 1,030 |
| Net loans and leases to total assets | 39.5561% | 7,373 |
| Net loans and leases to deposits | 47.1974% | 7,385 |
| Net loans and leases to core deposits | 63.5824% | 7,115 |
| Total domestic deposits to total assets | 83.8100% | 4,120 |
| Equity capital to assets | 15.3843% | 823 |
| Core capital (leverage) ratio | 14.7340% | 834 |
| Tier 1 risk-based capital ratio | 27.1875% | 690 |
| Total risk-based capital ratio | 28.4446% | 676 |
| Memoranda: | ||
| Average total assets | $61,091,800 | 6,309 |
| Average earning assets | $55,754,600 | 6,305 |
| Average equity | $9,697,400 | 5,382 |
| Average total loans | $26,521,000 | 6,828 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5396% | 4,215 |
| Cost of funding earning assets | 1.4705% | 5,956 |
| Net interest margin | 4.0691% | 2,514 |
| Noninterest income to average assets | 0.7941% | 2,462 |
| Noninterest expense to average assets | 2.5035% | 6,058 |
| Loan and lease loss provision to assets | 1.5197% | 1,257 |
| Net operating income to assets | 0.2892% | 4,825 |
| Return on assets (ROA) | 0.1015% | 5,509 |
| Pretax return on assets | 0.2007% | 5,303 |
| Return on Equity (ROE) | 0.6340% | 5,602 |
| Retained earnings to average equity (ytd only) | -2.1089% | 5,745 |
| Net charge-offs to loans | 3.6504% | 401 |
| Credit loss provision to net charge-offs | 94.2544% | 5,364 |
| Earnings coverage of net charge-offs (x) | 1.2490% | 4,837 |
| Efficiency ratio | 55.4199% | 7,075 |
| Assets per employee ($millions) | 3.8951% | 3,960 |
| Cash dividends to net income (ytd only)* | 432.6268% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2401% | 1,364 |
| Loan loss allowance to noncurrent loans | 39.5318% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 2.5448% | 2,727 |
| Noncurrent loans to loans | 5.6665% | 1,093 |
| Net loans and leases to total assets | 41.3851% | 7,397 |
| Net loans and leases to deposits | 49.5905% | 7,427 |
| Net loans and leases to core deposits | 67.2139% | 7,101 |
| Total domestic deposits to total assets | 83.4537% | 3,989 |
| Equity capital to assets | 15.5884% | 869 |
| Core capital (leverage) ratio | 15.0406% | 847 |
| Tier 1 risk-based capital ratio | 26.9388% | 753 |
| Total risk-based capital ratio | 28.1953% | 732 |
| Memoranda: | ||
| Average total assets | $60,447,500 | 6,375 |
| Average earning assets | $55,309,750 | 6,367 |
| Average equity | $9,673,000 | 5,434 |
| Average total loans | $26,699,250 | 6,874 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7663% | 3,214 |
| Cost of funding earning assets | 1.5074% | 6,112 |
| Net interest margin | 4.2589% | 1,784 |
| Noninterest income to average assets | 0.7957% | 2,434 |
| Noninterest expense to average assets | 2.5141% | 6,077 |
| Loan and lease loss provision to assets | 0.5015% | 3,028 |
| Net operating income to assets | 1.2172% | 1,432 |
| Return on assets (ROA) | 0.8926% | 2,593 |
| Pretax return on assets | 1.2270% | 2,225 |
| Return on Equity (ROE) | 5.5285% | 3,848 |
| Retained earnings to average equity (ytd only) | 1.4080% | 4,552 |
| Net charge-offs to loans | 0.4701% | 2,951 |
| Credit loss provision to net charge-offs | 238.0952% | 1,957 |
| Earnings coverage of net charge-offs (x) | 10.3175% | 2,008 |
| Efficiency ratio | 53.6377% | 7,371 |
| Assets per employee ($millions) | 3.7748% | 4,165 |
| Cash dividends to net income (ytd only)* | 74.5318% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6518% | 782 |
| Loan loss allowance to noncurrent loans | 64.9234% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.9869% | 3,212 |
| Noncurrent loans to loans | 4.0846% | 1,642 |
| Net loans and leases to total assets | 43.7628% | 7,347 |
| Net loans and leases to deposits | 52.7155% | 7,346 |
| Net loans and leases to core deposits | 72.0446% | 6,893 |
| Total domestic deposits to total assets | 83.0171% | 4,225 |
| Equity capital to assets | 16.0607% | 809 |
| Core capital (leverage) ratio | 15.9069% | 756 |
| Tier 1 risk-based capital ratio | 27.3103% | 759 |
| Total risk-based capital ratio | 28.5718% | 737 |
| Memoranda: | ||
| Average total assets | $59,822,670 | 6,454 |
| Average earning assets | $54,662,330 | 6,442 |
| Average equity | $9,659,000 | 5,470 |
| Average total loans | $26,804,670 | 6,928 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7876% | 3,366 |
| Cost of funding earning assets | 1.5273% | 6,318 |
| Net interest margin | 4.2603% | 1,702 |
| Noninterest income to average assets | 0.7794% | 2,430 |
| Noninterest expense to average assets | 2.6673% | 5,158 |
| Loan and lease loss provision to assets | 0.5039% | 2,456 |
| Net operating income to assets | 1.0723% | 2,055 |
| Return on assets (ROA) | 1.0817% | 2,156 |
| Pretax return on assets | 1.5386% | 1,568 |
| Return on Equity (ROE) | 6.6815% | 3,727 |
| Retained earnings to average equity (ytd only) | 2.5730% | 4,446 |
| Net charge-offs to loans | -0.0601% | 7,755 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7954% | 6,857 |
| Assets per employee ($millions) | 3.1200% | 5,839 |
| Cash dividends to net income (ytd only)* | 61.4907% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6543% | 647 |
| Loan loss allowance to noncurrent loans | 110.0464% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.2028% | 4,266 |
| Noncurrent loans to loans | 2.4120% | 2,733 |
| Net loans and leases to total assets | 44.0486% | 7,335 |
| Net loans and leases to deposits | 53.5257% | 7,316 |
| Net loans and leases to core deposits | 70.9295% | 6,965 |
| Total domestic deposits to total assets | 82.2942% | 4,441 |
| Equity capital to assets | 16.3816% | 813 |
| Core capital (leverage) ratio | 15.9911% | 786 |
| Tier 1 risk-based capital ratio | 27.8800% | 765 |
| Total risk-based capital ratio | 29.1394% | 744 |
| Memoranda: | ||
| Average total assets | $59,536,000 | 6,487 |
| Average earning assets | $54,737,500 | 6,471 |
| Average equity | $9,638,500 | 5,496 |
| Average total loans | $26,631,500 | 6,967 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4460% | 3,201 |
| Cost of funding earning assets | 2.2547% | 5,350 |
| Net interest margin | 4.1913% | 2,348 |
| Noninterest income to average assets | 0.7543% | 2,758 |
| Noninterest expense to average assets | 2.3782% | 6,475 |
| Loan and lease loss provision to assets | 0.7749% | 1,929 |
| Net operating income to assets | 1.0045% | 2,540 |
| Return on assets (ROA) | 1.1142% | 2,006 |
| Pretax return on assets | 1.5929% | 1,404 |
| Return on Equity (ROE) | 6.9127% | 3,578 |
| Retained earnings to average equity (ytd only) | 1.7736% | 4,140 |
| Net charge-offs to loans | 1.0562% | 1,164 |
| Credit loss provision to net charge-offs | 153.5836% | 3,407 |
| Earnings coverage of net charge-offs (x) | 4.3823% | 4,003 |
| Efficiency ratio | 51.3696% | 7,553 |
| Assets per employee ($millions) | 2.9896% | 6,076 |
| Cash dividends to net income (ytd only)* | 74.3431% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3942% | 767 |
| Loan loss allowance to noncurrent loans | 125.3465% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.9550% | 4,440 |
| Noncurrent loans to loans | 1.9101% | 2,882 |
| Net loans and leases to total assets | 43.1596% | 7,520 |
| Net loans and leases to deposits | 52.1354% | 7,528 |
| Net loans and leases to core deposits | 69.1183% | 7,239 |
| Total domestic deposits to total assets | 82.7836% | 3,863 |
| Equity capital to assets | 15.9988% | 931 |
| Core capital (leverage) ratio | 15.8115% | 863 |
| Tier 1 risk-based capital ratio | 28.2234% | 749 |
| Total risk-based capital ratio | 29.4763% | 733 |
| Memoranda: | ||
| Average total assets | $58,069,000 | 6,449 |
| Average earning assets | $53,133,800 | 6,460 |
| Average equity | $9,359,600 | 5,615 |
| Average total loans | $27,742,200 | 6,860 |