Home > Bristol Morgan Bank > Performance and Condition Ratios
Bristol Morgan Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 1,457 |
| Cost of funding earning assets | 1.4174% | 2,182 |
| Net interest margin | 3.9035% | 1,367 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.8551% | 1,384 |
| Loan and lease loss provision to assets | 1.4100% | 46 |
| Net operating income to assets | -0.3413% | 4,492 |
| Return on assets (ROA) | -0.1736% | 4,436 |
| Pretax return on assets | -0.1252% | 4,411 |
| Return on Equity (ROE) | -1.6200% | 4,408 |
| Retained earnings to average equity (ytd only) | -4.3753% | 4,376 |
| Net charge-offs to loans | 2.3674% | 37 |
| Credit loss provision to net charge-offs | 73.4566% | 2,065 |
| Earnings coverage of net charge-offs (x) | 0.5939% | 2,807 |
| Efficiency ratio | 71.7533% | 1,682 |
| Assets per employee ($millions) | 5.4181% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,099 |
| Loan loss allowance to noncurrent loans | 44.4320% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 2.1332% | 121 |
| Noncurrent loans to loans | 2.7743% | 160 |
| Net loans and leases to total assets | 75.9500% | 1,121 |
| Net loans and leases to deposits | 96.3888% | 750 |
| Net loans and leases to core deposits | 119.5660% | 638 |
| Total domestic deposits to total assets | 78.7900% | 3,636 |
| Equity capital to assets | 10.3523% | 1,810 |
| Core capital (leverage) ratio | 10.7601% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6021% | 1,371 |
| Memoranda: | ||
| Average total assets | $169,344,200 | 3,195 |
| Average earning assets | $157,473,200 | 3,186 |
| Average equity | $18,147,400 | 2,998 |
| Average total loans | $134,788,600 | 2,815 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3910% | 1,144 |
| Cost of funding earning assets | 1.3213% | 2,089 |
| Net interest margin | 4.0696% | 1,122 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.8435% | 1,334 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 0.7820% | 3,080 |
| Return on assets (ROA) | 0.9602% | 2,474 |
| Pretax return on assets | 1.2800% | 2,097 |
| Return on Equity (ROE) | 8.8900% | 2,958 |
| Retained earnings to average equity (ytd only) | 5.2497% | 2,856 |
| Net charge-offs to loans | 1.2530% | 75 |
| Credit loss provision to net charge-offs | 26.1719% | 1,987 |
| Earnings coverage of net charge-offs (x) | 1.3297% | 2,541 |
| Efficiency ratio | 67.9384% | 2,023 |
| Assets per employee ($millions) | 5.5797% | 3,116 |
| Cash dividends to net income (ytd only)* | 40.9165% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 2,720 |
| Loan loss allowance to noncurrent loans | 59.8078% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.5438% | 236 |
| Noncurrent loans to loans | 1.8918% | 336 |
| Net loans and leases to total assets | 80.6800% | 573 |
| Net loans and leases to deposits | 105.5522% | 302 |
| Net loans and leases to core deposits | 137.4986% | 251 |
| Total domestic deposits to total assets | 76.4300% | 3,976 |
| Equity capital to assets | 11.3996% | 1,213 |
| Core capital (leverage) ratio | 11.3579% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3890% | 1,224 |
| Memoranda: | ||
| Average total assets | $169,689,750 | 3,203 |
| Average earning assets | $157,814,750 | 3,194 |
| Average equity | $18,337,250 | 2,976 |
| Average total loans | $136,198,000 | 2,813 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1775% | 1,240 |
| Cost of funding earning assets | 1.0798% | 2,353 |
| Net interest margin | 4.0977% | 1,090 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.7867% | 1,444 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 0.8766% | 2,835 |
| Return on assets (ROA) | 1.1351% | 2,014 |
| Pretax return on assets | 1.5216% | 1,553 |
| Return on Equity (ROE) | 10.6900% | 2,505 |
| Retained earnings to average equity (ytd only) | 10.6879% | 1,252 |
| Net charge-offs to loans | 0.0015% | 2,344 |
| Credit loss provision to net charge-offs | 24,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,269.0000% | 115 |
| Efficiency ratio | 65.3406% | 2,330 |
| Assets per employee ($millions) | 6.0315% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9714% | 437 |
| Loan loss allowance to noncurrent loans | 57.5543% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 2.7552% | 85 |
| Noncurrent loans to loans | 3.4253% | 115 |
| Net loans and leases to total assets | 78.8500% | 753 |
| Net loans and leases to deposits | 102.3300% | 419 |
| Net loans and leases to core deposits | 119.6100% | 523 |
| Total domestic deposits to total assets | 77.0500% | 3,948 |
| Equity capital to assets | 11.0633% | 1,370 |
| Core capital (leverage) ratio | 11.4010% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3653% | 1,247 |
| Memoranda: | ||
| Average total assets | $172,315,667 | 3,199 |
| Average earning assets | $159,846,000 | 3,192 |
| Average equity | $18,301,000 | 2,999 |
| Average total loans | $137,583,333 | 2,799 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0037% | 1,221 |
| Cost of funding earning assets | 0.9057% | 2,352 |
| Net interest margin | 4.0981% | 1,099 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.7351% | 1,584 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 0.8947% | 2,876 |
| Return on assets (ROA) | 1.4158% | 1,336 |
| Pretax return on assets | 1.9100% | 899 |
| Return on Equity (ROE) | 13.6100% | 1,859 |
| Retained earnings to average equity (ytd only) | 13.6061% | 994 |
| Net charge-offs to loans | 0.0029% | 1,912 |
| Credit loss provision to net charge-offs | 12,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 664.0000% | 175 |
| Efficiency ratio | 64.1316% | 2,438 |
| Assets per employee ($millions) | 5.7268% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 576 |
| Loan loss allowance to noncurrent loans | 57.3929% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 2.5942% | 73 |
| Noncurrent loans to loans | 3.2539% | 128 |
| Net loans and leases to total assets | 78.2400% | 742 |
| Net loans and leases to deposits | 99.6124% | 462 |
| Net loans and leases to core deposits | 130.8217% | 266 |
| Total domestic deposits to total assets | 78.5400% | 3,938 |
| Equity capital to assets | 10.7337% | 1,442 |
| Core capital (leverage) ratio | 11.0518% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8183% | 1,414 |
| Memoranda: | ||
| Average total assets | $174,032,500 | 3,231 |
| Average earning assets | $159,880,500 | 3,234 |
| Average equity | $18,109,500 | 3,042 |
| Average total loans | $138,454,500 | 2,813 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7953% | 435 |
| Cost of funding earning assets | 0.6232% | 818 |
| Net interest margin | 4.1721% | 573 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.8179% | 1,282 |
| Loan and lease loss provision to assets | 0.4600% | 135 |
| Net operating income to assets | 0.5887% | 3,909 |
| Return on assets (ROA) | 0.5865% | 3,874 |
| Pretax return on assets | 0.7675% | 3,699 |
| Return on Equity (ROE) | 5.9000% | 3,847 |
| Retained earnings to average equity (ytd only) | 5.9001% | 2,681 |
| Net charge-offs to loans | -0.0171% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.5414% | 1,754 |
| Assets per employee ($millions) | 6.5282% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7430% | 743 |
| Loan loss allowance to noncurrent loans | 95.1991% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.4535% | 227 |
| Noncurrent loans to loans | 1.8309% | 323 |
| Net loans and leases to total assets | 78.0100% | 796 |
| Net loans and leases to deposits | 94.6661% | 740 |
| Net loans and leases to core deposits | 121.0526% | 354 |
| Total domestic deposits to total assets | 82.4000% | 3,550 |
| Equity capital to assets | 10.0862% | 1,672 |
| Core capital (leverage) ratio | 10.6872% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4573% | 1,487 |
| Memoranda: | ||
| Average total assets | $175,627,000 | 3,226 |
| Average earning assets | $161,116,400 | 3,232 |
| Average equity | $17,457,400 | 3,166 |
| Average total loans | $146,019,400 | 2,666 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 479 |
| Cost of funding earning assets | 0.5846% | 472 |
| Net interest margin | 3.9399% | 721 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.8099% | 1,230 |
| Loan and lease loss provision to assets | 0.5100% | 101 |
| Net operating income to assets | 0.4209% | 4,206 |
| Return on assets (ROA) | 0.4179% | 4,154 |
| Pretax return on assets | 0.5334% | 4,097 |
| Return on Equity (ROE) | 4.2200% | 4,114 |
| Retained earnings to average equity (ytd only) | 4.2200% | 3,369 |
| Net charge-offs to loans | -0.0018% | 3,247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.8456% | 1,403 |
| Assets per employee ($millions) | 5.3199% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 1,146 |
| Loan loss allowance to noncurrent loans | 48.7679% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 2.7415% | 66 |
| Noncurrent loans to loans | 3.2010% | 141 |
| Net loans and leases to total assets | 84.3100% | 218 |
| Net loans and leases to deposits | 102.5846% | 280 |
| Net loans and leases to core deposits | 135.5202% | 122 |
| Total domestic deposits to total assets | 82.1800% | 3,814 |
| Equity capital to assets | 10.0948% | 1,572 |
| Core capital (leverage) ratio | 10.2557% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8345% | 1,758 |
| Memoranda: | ||
| Average total assets | $175,468,500 | 3,253 |
| Average earning assets | $162,166,000 | 3,251 |
| Average equity | $17,377,250 | 3,212 |
| Average total loans | $147,541,000 | 2,661 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 418 |
| Cost of funding earning assets | 0.5990% | 274 |
| Net interest margin | 3.8308% | 702 |
| Noninterest income to average assets | 0.2167% | 3,904 |
| Noninterest expense to average assets | 2.7504% | 1,266 |
| Loan and lease loss provision to assets | 0.2709% | 251 |
| Net operating income to assets | 0.5509% | 3,758 |
| Return on assets (ROA) | 0.5474% | 3,723 |
| Pretax return on assets | 0.7133% | 3,543 |
| Return on Equity (ROE) | 5.5615% | 3,689 |
| Retained earnings to average equity (ytd only) | 5.5615% | 2,488 |
| Net charge-offs to loans | -0.0068% | 3,442 |
| Credit loss provision to net charge-offs | -4,800.0000% | 3,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4682% | 1,575 |
| Assets per employee ($millions) | 5.4519% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,497 |
| Loan loss allowance to noncurrent loans | 93.0688% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.1412% | 380 |
| Noncurrent loans to loans | 1.3270% | 590 |
| Net loans and leases to total assets | 84.9369% | 138 |
| Net loans and leases to deposits | 104.4558% | 157 |
| Net loans and leases to core deposits | 138.5322% | 82 |
| Total domestic deposits to total assets | 81.3138% | 4,092 |
| Equity capital to assets | 9.9226% | 1,752 |
| Core capital (leverage) ratio | 10.0236% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1493% | 1,997 |
| Memoranda: | ||
| Average total assets | $177,212,333 | 3,267 |
| Average earning assets | $162,942,000 | 3,291 |
| Average equity | $17,441,333 | 3,279 |
| Average total loans | $148,122,667 | 2,667 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3854% | 389 |
| Cost of funding earning assets | 0.6574% | 196 |
| Net interest margin | 3.7280% | 711 |
| Noninterest income to average assets | 0.2352% | 3,733 |
| Noninterest expense to average assets | 2.7034% | 1,356 |
| Loan and lease loss provision to assets | 0.2688% | 234 |
| Net operating income to assets | 0.5030% | 3,708 |
| Return on assets (ROA) | 0.4995% | 3,683 |
| Pretax return on assets | 0.6495% | 3,517 |
| Return on Equity (ROE) | 5.0953% | 3,596 |
| Retained earnings to average equity (ytd only) | 5.0953% | 2,556 |
| Net charge-offs to loans | -0.0082% | 3,507 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4904% | 1,690 |
| Assets per employee ($millions) | 5.7613% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 3,021 |
| Loan loss allowance to noncurrent loans | 238.4298% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 1,490 |
| Noncurrent loans to loans | 0.4890% | 1,805 |
| Net loans and leases to total assets | 82.1544% | 158 |
| Net loans and leases to deposits | 104.0514% | 116 |
| Net loans and leases to core deposits | 140.9116% | 61 |
| Total domestic deposits to total assets | 78.9556% | 4,349 |
| Equity capital to assets | 9.7027% | 2,128 |
| Core capital (leverage) ratio | 10.0061% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0477% | 2,181 |
| Memoranda: | ||
| Average total assets | $178,588,500 | 3,267 |
| Average earning assets | $162,448,500 | 3,303 |
| Average equity | $17,506,500 | 3,359 |
| Average total loans | $147,167,000 | 2,666 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 661 |
| Cost of funding earning assets | 0.7130% | 307 |
| Net interest margin | 3.7287% | 1,147 |
| Noninterest income to average assets | 0.3574% | 3,296 |
| Noninterest expense to average assets | 2.6651% | 1,724 |
| Loan and lease loss provision to assets | 0.3238% | 236 |
| Net operating income to assets | 0.5931% | 3,890 |
| Return on assets (ROA) | 0.5990% | 3,922 |
| Pretax return on assets | 0.7790% | 3,766 |
| Return on Equity (ROE) | 6.1903% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.1903% | 2,276 |
| Net charge-offs to loans | -0.0023% | 3,391 |
| Credit loss provision to net charge-offs | -17,333.3333% | 4,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7733% | 1,648 |
| Assets per employee ($millions) | 6.3778% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 3,345 |
| Loan loss allowance to noncurrent loans | 2,061.5385% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 3,691 |
| Noncurrent loans to loans | 0.0535% | 3,700 |
| Net loans and leases to total assets | 80.7871% | 233 |
| Net loans and leases to deposits | 104.6125% | 124 |
| Net loans and leases to core deposits | 142.3000% | 62 |
| Total domestic deposits to total assets | 77.2251% | 4,453 |
| Equity capital to assets | 9.9027% | 2,749 |
| Core capital (leverage) ratio | 10.2030% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8797% | 2,285 |
| Memoranda: | ||
| Average total assets | $160,595,000 | 3,386 |
| Average earning assets | $146,565,000 | 3,408 |
| Average equity | $15,540,400 | 3,580 |
| Average total loans | $128,810,400 | 2,867 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4375% | 762 |
| Cost of funding earning assets | 0.7220% | 343 |
| Net interest margin | 3.7155% | 1,306 |
| Noninterest income to average assets | 0.4014% | 3,076 |
| Noninterest expense to average assets | 2.7119% | 1,559 |
| Loan and lease loss provision to assets | 0.3414% | 215 |
| Net operating income to assets | 0.5744% | 4,053 |
| Return on assets (ROA) | 0.5791% | 4,089 |
| Pretax return on assets | 0.7516% | 3,980 |
| Return on Equity (ROE) | 6.0247% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.0247% | 2,809 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2905% | 1,461 |
| Assets per employee ($millions) | 5.6314% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 3,510 |
| Loan loss allowance to noncurrent loans | 1,903.8462% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 3,834 |
| Noncurrent loans to loans | 0.0569% | 3,819 |
| Net loans and leases to total assets | 82.9687% | 141 |
| Net loans and leases to deposits | 106.1215% | 135 |
| Net loans and leases to core deposits | 144.2424% | 69 |
| Total domestic deposits to total assets | 78.1827% | 4,405 |
| Equity capital to assets | 10.6674% | 2,297 |
| Core capital (leverage) ratio | 10.6076% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5676% | 2,143 |
| Memoranda: | ||
| Average total assets | $156,099,250 | 3,464 |
| Average earning assets | $142,748,000 | 3,481 |
| Average equity | $15,004,500 | 3,686 |
| Average total loans | $124,544,000 | 2,948 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 750 |
| Cost of funding earning assets | 0.7373% | 385 |
| Net interest margin | 3.7413% | 1,238 |
| Noninterest income to average assets | 0.4242% | 2,984 |
| Noninterest expense to average assets | 2.7184% | 1,539 |
| Loan and lease loss provision to assets | 0.3644% | 202 |
| Net operating income to assets | 0.5586% | 4,080 |
| Return on assets (ROA) | 0.5648% | 4,115 |
| Pretax return on assets | 0.7300% | 4,007 |
| Return on Equity (ROE) | 6.1131% | 3,880 |
| Retained earnings to average equity (ytd only) | 6.1131% | 2,758 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3406% | 1,492 |
| Assets per employee ($millions) | 5.6945% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 3,539 |
| Loan loss allowance to noncurrent loans | 1,727.8481% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 3,923 |
| Noncurrent loans to loans | 0.0620% | 3,874 |
| Net loans and leases to total assets | 79.0787% | 371 |
| Net loans and leases to deposits | 100.4293% | 241 |
| Net loans and leases to core deposits | 135.7453% | 97 |
| Total domestic deposits to total assets | 78.7406% | 4,365 |
| Equity capital to assets | 10.8044% | 2,147 |
| Core capital (leverage) ratio | 10.8337% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1548% | 1,922 |
| Memoranda: | ||
| Average total assets | $153,695,333 | 3,495 |
| Average earning assets | $138,883,333 | 3,525 |
| Average equity | $14,199,000 | 3,773 |
| Average total loans | $120,398,000 | 3,003 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 809 |
| Cost of funding earning assets | 0.7379% | 472 |
| Net interest margin | 3.7363% | 1,256 |
| Noninterest income to average assets | 0.5808% | 2,289 |
| Noninterest expense to average assets | 2.8484% | 1,262 |
| Loan and lease loss provision to assets | 0.4243% | 174 |
| Net operating income to assets | 0.5336% | 4,110 |
| Return on assets (ROA) | 0.5357% | 4,143 |
| Pretax return on assets | 0.6816% | 4,055 |
| Return on Equity (ROE) | 6.3697% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.3697% | 2,771 |
| Net charge-offs to loans | 0.0103% | 1,557 |
| Credit loss provision to net charge-offs | 5,333.3333% | 107 |
| Earnings coverage of net charge-offs (x) | 138.6667% | 511 |
| Efficiency ratio | 72.0134% | 1,497 |
| Assets per employee ($millions) | 6.1649% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 3,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 76.3142% | 604 |
| Net loans and leases to deposits | 94.6928% | 455 |
| Net loans and leases to core deposits | 127.5700% | 168 |
| Total domestic deposits to total assets | 80.5913% | 4,129 |
| Equity capital to assets | 8.2616% | 4,319 |
| Core capital (leverage) ratio | 8.4025% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9772% | 2,935 |
| Memoranda: | ||
| Average total assets | $150,820,500 | 3,519 |
| Average earning assets | $136,069,000 | 3,563 |
| Average equity | $12,685,000 | 3,930 |
| Average total loans | $116,871,000 | 3,041 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 1,483 |
| Cost of funding earning assets | 0.8754% | 926 |
| Net interest margin | 3.5583% | 2,282 |
| Noninterest income to average assets | 1.0262% | 999 |
| Noninterest expense to average assets | 3.1055% | 1,215 |
| Loan and lease loss provision to assets | 0.3970% | 799 |
| Net operating income to assets | 0.7188% | 3,367 |
| Return on assets (ROA) | 0.7623% | 3,355 |
| Pretax return on assets | 0.8511% | 3,498 |
| Return on Equity (ROE) | 8.1090% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.1090% | 1,023 |
| Net charge-offs to loans | 0.0347% | 2,354 |
| Credit loss provision to net charge-offs | 1,565.6250% | 532 |
| Earnings coverage of net charge-offs (x) | 47.3125% | 1,253 |
| Efficiency ratio | 72.0228% | 1,677 |
| Assets per employee ($millions) | 6.1466% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 4,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 4,145 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 77.1412% | 683 |
| Net loans and leases to deposits | 94.0635% | 656 |
| Net loans and leases to core deposits | 120.9935% | 299 |
| Total domestic deposits to total assets | 82.0098% | 3,661 |
| Equity capital to assets | 8.5664% | 4,399 |
| Core capital (leverage) ratio | 8.7623% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6023% | 3,006 |
| Memoranda: | ||
| Average total assets | $126,194,200 | 3,674 |
| Average earning assets | $116,292,800 | 3,679 |
| Average equity | $11,863,400 | 3,990 |
| Average total loans | $92,340,800 | 3,365 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5023% | 1,564 |
| Cost of funding earning assets | 0.9153% | 1,018 |
| Net interest margin | 3.5870% | 2,316 |
| Noninterest income to average assets | 0.6156% | 2,119 |
| Noninterest expense to average assets | 3.1815% | 1,097 |
| Loan and lease loss provision to assets | 0.4170% | 816 |
| Net operating income to assets | 0.2767% | 4,483 |
| Return on assets (ROA) | 0.3320% | 4,446 |
| Pretax return on assets | 0.3894% | 4,445 |
| Return on Equity (ROE) | 3.4389% | 4,311 |
| Retained earnings to average equity (ytd only) | 3.4389% | 3,342 |
| Net charge-offs to loans | 0.0492% | 1,907 |
| Credit loss provision to net charge-offs | 1,181.2500% | 744 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,882 |
| Efficiency ratio | 80.8493% | 810 |
| Assets per employee ($millions) | 5.8686% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 4,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 4,182 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 79.8514% | 629 |
| Net loans and leases to deposits | 98.6861% | 585 |
| Net loans and leases to core deposits | 125.7493% | 309 |
| Total domestic deposits to total assets | 80.9145% | 3,679 |
| Equity capital to assets | 8.8600% | 4,211 |
| Core capital (leverage) ratio | 8.6401% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5188% | 3,027 |
| Memoranda: | ||
| Average total assets | $120,863,000 | 3,726 |
| Average earning assets | $111,435,500 | 3,730 |
| Average equity | $11,670,000 | 4,016 |
| Average total loans | $86,705,250 | 3,473 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5762% | 1,703 |
| Cost of funding earning assets | 0.9517% | 1,139 |
| Net interest margin | 3.6245% | 2,401 |
| Noninterest income to average assets | 0.6302% | 2,014 |
| Noninterest expense to average assets | 3.3454% | 928 |
| Loan and lease loss provision to assets | 0.4304% | 912 |
| Net operating income to assets | 0.1654% | 4,613 |
| Return on assets (ROA) | 0.2583% | 4,536 |
| Pretax return on assets | 0.2789% | 4,560 |
| Return on Equity (ROE) | 2.5921% | 4,431 |
| Retained earnings to average equity (ytd only) | 2.5921% | 3,551 |
| Net charge-offs to loans | 0.0857% | 1,393 |
| Credit loss provision to net charge-offs | 735.2941% | 965 |
| Earnings coverage of net charge-offs (x) | 10.4118% | 2,155 |
| Efficiency ratio | 84.3274% | 621 |
| Assets per employee ($millions) | 5.4637% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 4,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 4,266 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 70.7156% | 1,919 |
| Net loans and leases to deposits | 89.2027% | 1,426 |
| Net loans and leases to core deposits | 114.9730% | 564 |
| Total domestic deposits to total assets | 79.2752% | 3,980 |
| Equity capital to assets | 8.9912% | 4,098 |
| Core capital (leverage) ratio | 9.6167% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3974% | 2,859 |
| Memoranda: | ||
| Average total assets | $116,158,333 | 3,771 |
| Average earning assets | $106,551,667 | 3,798 |
| Average equity | $11,573,667 | 4,036 |
| Average total loans | $79,359,333 | 3,588 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 2,664 |
| Cost of funding earning assets | 1.0362% | 1,276 |
| Net interest margin | 3.3505% | 3,447 |
| Noninterest income to average assets | 0.5521% | 2,270 |
| Noninterest expense to average assets | 3.5151% | 916 |
| Loan and lease loss provision to assets | 0.3055% | 1,018 |
| Net operating income to assets | -0.1039% | 4,805 |
| Return on assets (ROA) | 0.0037% | 4,741 |
| Pretax return on assets | -0.0736% | 4,766 |
| Return on Equity (ROE) | 0.0349% | 4,738 |
| Retained earnings to average equity (ytd only) | 0.0349% | 3,982 |
| Net charge-offs to loans | 0.0221% | 1,924 |
| Credit loss provision to net charge-offs | 2,075.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 1,981 |
| Efficiency ratio | 97.0438% | 297 |
| Assets per employee ($millions) | 4.2037% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8855% | 4,168 |
| Loan loss allowance to noncurrent loans | 889.7436% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 3,943 |
| Noncurrent loans to loans | 0.0995% | 4,109 |
| Net loans and leases to total assets | 73.9174% | 1,618 |
| Net loans and leases to deposits | 92.9222% | 1,189 |
| Net loans and leases to core deposits | 109.0335% | 900 |
| Total domestic deposits to total assets | 79.5476% | 3,942 |
| Equity capital to assets | 10.9160% | 2,927 |
| Core capital (leverage) ratio | 10.3317% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5113% | 2,476 |
| Memoranda: | ||
| Average total assets | $108,673,500 | 3,858 |
| Average earning assets | $99,208,000 | 3,887 |
| Average equity | $11,465,500 | 4,072 |
| Average total loans | $72,259,000 | 3,719 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 2,917 |
| Cost of funding earning assets | 1.1100% | 1,287 |
| Net interest margin | 3.3967% | 3,753 |
| Noninterest income to average assets | 0.5748% | 2,337 |
| Noninterest expense to average assets | 3.4984% | 965 |
| Loan and lease loss provision to assets | 0.1123% | 1,866 |
| Net operating income to assets | 0.1045% | 4,925 |
| Return on assets (ROA) | 0.1190% | 4,933 |
| Pretax return on assets | 0.0794% | 4,951 |
| Return on Equity (ROE) | 1.0926% | 4,906 |
| Retained earnings to average equity (ytd only) | 1.0926% | 4,357 |
| Net charge-offs to loans | 0.6219% | 295 |
| Credit loss provision to net charge-offs | 27.4882% | 3,288 |
| Earnings coverage of net charge-offs (x) | 0.4336% | 3,614 |
| Efficiency ratio | 95.0237% | 226 |
| Assets per employee ($millions) | 4.8806% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 3,837 |
| Loan loss allowance to noncurrent loans | 977.7778% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 4,045 |
| Noncurrent loans to loans | 0.0952% | 4,143 |
| Net loans and leases to total assets | 58.3730% | 3,740 |
| Net loans and leases to deposits | 71.0247% | 3,588 |
| Net loans and leases to core deposits | 81.2182% | 3,198 |
| Total domestic deposits to total assets | 82.1868% | 3,459 |
| Equity capital to assets | 10.2081% | 3,723 |
| Core capital (leverage) ratio | 10.7508% | 2,717 |
| Tier 1 risk-based capital ratio | 13.7600% | 3,385 |
| Total risk-based capital ratio | 14.5230% | 3,528 |
| Memoranda: | ||
| Average total assets | $103,333,200 | 3,947 |
| Average earning assets | $94,327,000 | 3,959 |
| Average equity | $11,257,400 | 4,084 |
| Average total loans | $67,855,800 | 3,816 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6523% | 2,555 |
| Cost of funding earning assets | 1.1429% | 1,201 |
| Net interest margin | 3.5095% | 3,533 |
| Noninterest income to average assets | 0.5697% | 2,355 |
| Noninterest expense to average assets | 3.5672% | 882 |
| Loan and lease loss provision to assets | 0.0870% | 2,175 |
| Net operating income to assets | 0.0833% | 5,031 |
| Return on assets (ROA) | 0.0989% | 5,032 |
| Pretax return on assets | 0.1385% | 5,020 |
| Return on Equity (ROE) | 0.8923% | 5,024 |
| Retained earnings to average equity (ytd only) | 0.8923% | 4,594 |
| Net charge-offs to loans | 0.0664% | 1,879 |
| Credit loss provision to net charge-offs | 194.1176% | 1,348 |
| Earnings coverage of net charge-offs (x) | 4.5884% | 2,994 |
| Efficiency ratio | 94.4075% | 224 |
| Assets per employee ($millions) | 4.6468% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 1,366 |
| Loan loss allowance to noncurrent loans | 246.1340% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 2,731 |
| Noncurrent loans to loans | 0.5929% | 2,506 |
| Net loans and leases to total assets | 63.0842% | 3,379 |
| Net loans and leases to deposits | 77.4918% | 3,153 |
| Net loans and leases to core deposits | 88.3874% | 2,696 |
| Total domestic deposits to total assets | 81.4076% | 3,638 |
| Equity capital to assets | 11.1533% | 2,967 |
| Core capital (leverage) ratio | 10.9051% | 2,733 |
| Tier 1 risk-based capital ratio | 14.4590% | 3,095 |
| Total risk-based capital ratio | 15.7090% | 3,015 |
| Memoranda: | ||
| Average total assets | $101,103,000 | 4,028 |
| Average earning assets | $92,281,500 | 4,050 |
| Average equity | $11,207,000 | 4,130 |
| Average total loans | $68,284,250 | 3,845 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7195% | 2,306 |
| Cost of funding earning assets | 1.1216% | 1,221 |
| Net interest margin | 3.5979% | 3,260 |
| Noninterest income to average assets | 0.5123% | 2,612 |
| Noninterest expense to average assets | 3.6256% | 829 |
| Loan and lease loss provision to assets | 0.0993% | 1,880 |
| Net operating income to assets | 0.0278% | 5,090 |
| Return on assets (ROA) | 0.0278% | 5,099 |
| Pretax return on assets | 0.0675% | 5,085 |
| Return on Equity (ROE) | 0.2513% | 5,100 |
| Retained earnings to average equity (ytd only) | 0.2513% | 4,623 |
| Net charge-offs to loans | 0.0953% | 1,409 |
| Credit loss provision to net charge-offs | 151.5152% | 1,476 |
| Earnings coverage of net charge-offs (x) | 2.5455% | 2,930 |
| Efficiency ratio | 95.4450% | 212 |
| Assets per employee ($millions) | 4.0232% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 1,543 |
| Loan loss allowance to noncurrent loans | 239.5408% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6592% | 2,063 |
| Noncurrent loans to loans | 0.5910% | 2,500 |
| Net loans and leases to total assets | 65.0093% | 3,240 |
| Net loans and leases to deposits | 79.9665% | 2,960 |
| Net loans and leases to core deposits | 91.2462% | 2,483 |
| Total domestic deposits to total assets | 81.2957% | 3,723 |
| Equity capital to assets | 11.2317% | 2,833 |
| Core capital (leverage) ratio | 10.8450% | 2,749 |
| Tier 1 risk-based capital ratio | 13.7875% | 3,433 |
| Total risk-based capital ratio | 14.9659% | 3,366 |
| Memoranda: | ||
| Average total assets | $100,727,330 | 4,060 |
| Average earning assets | $91,832,000 | 4,078 |
| Average equity | $11,142,000 | 4,150 |
| Average total loans | $69,230,330 | 3,849 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7235% | 2,143 |
| Cost of funding earning assets | 1.0361% | 1,424 |
| Net interest margin | 3.6874% | 2,942 |
| Noninterest income to average assets | 0.4841% | 2,653 |
| Noninterest expense to average assets | 3.6032% | 845 |
| Loan and lease loss provision to assets | 0.1310% | 1,331 |
| Net operating income to assets | 0.0714% | 5,106 |
| Return on assets (ROA) | 0.0714% | 5,111 |
| Pretax return on assets | 0.1111% | 5,096 |
| Return on Equity (ROE) | 0.6507% | 5,105 |
| Retained earnings to average equity (ytd only) | 0.6507% | 4,398 |
| Net charge-offs to loans | 0.1188% | 1,029 |
| Credit loss provision to net charge-offs | 157.1429% | 1,207 |
| Earnings coverage of net charge-offs (x) | 2.9048% | 2,448 |
| Efficiency ratio | 93.6017% | 285 |
| Assets per employee ($millions) | 3.8651% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 1,938 |
| Loan loss allowance to noncurrent loans | 1,245.3333% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 3,509 |
| Noncurrent loans to loans | 0.1072% | 4,254 |
| Net loans and leases to total assets | 68.6920% | 2,661 |
| Net loans and leases to deposits | 85.1350% | 2,237 |
| Net loans and leases to core deposits | 96.6509% | 1,883 |
| Total domestic deposits to total assets | 80.6860% | 4,024 |
| Equity capital to assets | 11.1123% | 2,736 |
| Core capital (leverage) ratio | 10.9898% | 2,582 |
| Tier 1 risk-based capital ratio | 13.5117% | 3,595 |
| Total risk-based capital ratio | 14.6602% | 3,565 |
| Memoranda: | ||
| Average total assets | $100,800,500 | 4,094 |
| Average earning assets | $91,880,500 | 4,112 |
| Average equity | $11,064,500 | 4,181 |
| Average total loans | $70,682,500 | 3,853 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 2,419 |
| Cost of funding earning assets | 0.8541% | 1,287 |
| Net interest margin | 3.6605% | 3,189 |
| Noninterest income to average assets | 0.6424% | 2,077 |
| Noninterest expense to average assets | 3.5335% | 957 |
| Loan and lease loss provision to assets | 0.2219% | 809 |
| Net operating income to assets | 0.2087% | 5,099 |
| Return on assets (ROA) | 0.2087% | 5,096 |
| Pretax return on assets | 0.2464% | 5,089 |
| Return on Equity (ROE) | 1.8577% | 5,064 |
| Retained earnings to average equity (ytd only) | 0.3444% | 4,895 |
| Net charge-offs to loans | 0.0360% | 2,682 |
| Credit loss provision to net charge-offs | 872.0000% | 409 |
| Earnings coverage of net charge-offs (x) | 18.4000% | 2,135 |
| Efficiency ratio | 88.1964% | 423 |
| Assets per employee ($millions) | 4.0444% | 3,836 |
| Cash dividends to net income (ytd only)* | 81.4634% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 2,093 |
| Loan loss allowance to noncurrent loans | 251.2262% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 2,364 |
| Noncurrent loans to loans | 0.5140% | 2,739 |
| Net loans and leases to total assets | 69.7060% | 2,611 |
| Net loans and leases to deposits | 85.9217% | 2,284 |
| Net loans and leases to core deposits | 94.3456% | 2,199 |
| Total domestic deposits to total assets | 81.1273% | 3,860 |
| Equity capital to assets | 10.8418% | 2,852 |
| Core capital (leverage) ratio | 10.8293% | 2,697 |
| Tier 1 risk-based capital ratio | 13.2924% | 3,663 |
| Total risk-based capital ratio | 14.4099% | 3,637 |
| Memoranda: | ||
| Average total assets | $98,232,200 | 4,122 |
| Average earning assets | $90,152,800 | 4,142 |
| Average equity | $11,035,000 | 4,151 |
| Average total loans | $69,444,600 | 3,878 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 2,514 |
| Cost of funding earning assets | 0.8003% | 1,336 |
| Net interest margin | 3.6349% | 3,250 |
| Noninterest income to average assets | 0.6700% | 1,977 |
| Noninterest expense to average assets | 3.5099% | 971 |
| Loan and lease loss provision to assets | 0.2311% | 702 |
| Net operating income to assets | 0.2379% | 5,170 |
| Return on assets (ROA) | 0.2379% | 5,164 |
| Pretax return on assets | 0.2762% | 5,161 |
| Return on Equity (ROE) | 2.0988% | 5,120 |
| Retained earnings to average equity (ytd only) | 2.0988% | 4,544 |
| Net charge-offs to loans | 0.0464% | 2,168 |
| Credit loss provision to net charge-offs | 704.1667% | 527 |
| Earnings coverage of net charge-offs (x) | 15.4578% | 2,224 |
| Efficiency ratio | 87.2703% | 446 |
| Assets per employee ($millions) | 3.7464% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 2,647 |
| Loan loss allowance to noncurrent loans | 238.5246% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 2,522 |
| Noncurrent loans to loans | 0.5011% | 2,886 |
| Net loans and leases to total assets | 71.3474% | 2,435 |
| Net loans and leases to deposits | 87.1050% | 2,252 |
| Net loans and leases to core deposits | 97.4796% | 1,979 |
| Total domestic deposits to total assets | 81.9096% | 3,642 |
| Equity capital to assets | 10.9092% | 2,742 |
| Core capital (leverage) ratio | 11.3522% | 2,285 |
| Tier 1 risk-based capital ratio | 14.2468% | 3,248 |
| Total risk-based capital ratio | 15.3587% | 3,232 |
| Memoranda: | ||
| Average total assets | $97,513,000 | 4,179 |
| Average earning assets | $89,793,750 | 4,192 |
| Average equity | $11,053,250 | 4,191 |
| Average total loans | $68,955,500 | 3,931 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 2,487 |
| Cost of funding earning assets | 0.7472% | 1,378 |
| Net interest margin | 3.6325% | 3,191 |
| Noninterest income to average assets | 0.7020% | 1,863 |
| Noninterest expense to average assets | 3.5140% | 981 |
| Loan and lease loss provision to assets | 0.2471% | 621 |
| Net operating income to assets | 0.2534% | 5,180 |
| Return on assets (ROA) | 0.2534% | 5,176 |
| Pretax return on assets | 0.2928% | 5,172 |
| Return on Equity (ROE) | 2.2063% | 5,153 |
| Retained earnings to average equity (ytd only) | 2.2063% | 4,398 |
| Net charge-offs to loans | 0.0533% | 1,841 |
| Credit loss provision to net charge-offs | 661.1111% | 587 |
| Earnings coverage of net charge-offs (x) | 14.4444% | 2,101 |
| Efficiency ratio | 86.6803% | 537 |
| Assets per employee ($millions) | 3.5181% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 2,831 |
| Loan loss allowance to noncurrent loans | 243.4018% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 2,588 |
| Noncurrent loans to loans | 0.4853% | 2,981 |
| Net loans and leases to total assets | 70.4843% | 2,506 |
| Net loans and leases to deposits | 83.4279% | 2,599 |
| Net loans and leases to core deposits | 94.5669% | 2,177 |
| Total domestic deposits to total assets | 84.4854% | 2,878 |
| Equity capital to assets | 11.2144% | 2,444 |
| Core capital (leverage) ratio | 11.7296% | 1,885 |
| Tier 1 risk-based capital ratio | 14.5755% | 3,082 |
| Total risk-based capital ratio | 15.6622% | 3,073 |
| Memoranda: | ||
| Average total assets | $96,299,670 | 4,240 |
| Average earning assets | $88,864,330 | 4,242 |
| Average equity | $11,059,330 | 4,224 |
| Average total loans | $67,593,000 | 3,985 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3522% | 2,346 |
| Cost of funding earning assets | 0.7004% | 1,441 |
| Net interest margin | 3.6518% | 2,979 |
| Noninterest income to average assets | 0.7059% | 1,800 |
| Noninterest expense to average assets | 3.3489% | 1,253 |
| Loan and lease loss provision to assets | 0.2101% | 771 |
| Net operating income to assets | 0.4370% | 4,846 |
| Return on assets (ROA) | 0.4370% | 4,850 |
| Pretax return on assets | 0.5210% | 4,842 |
| Return on Equity (ROE) | 3.7594% | 4,831 |
| Retained earnings to average equity (ytd only) | 3.7594% | 3,691 |
| Net charge-offs to loans | 0.0845% | 1,302 |
| Credit loss provision to net charge-offs | 357.1429% | 728 |
| Earnings coverage of net charge-offs (x) | 12.4286% | 1,800 |
| Efficiency ratio | 82.0803% | 939 |
| Assets per employee ($millions) | 3.7698% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 3,021 |
| Loan loss allowance to noncurrent loans | 1,175.3846% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 3,745 |
| Noncurrent loans to loans | 0.0989% | 4,527 |
| Net loans and leases to total assets | 68.9052% | 2,647 |
| Net loans and leases to deposits | 83.3096% | 2,469 |
| Net loans and leases to core deposits | 89.4009% | 2,502 |
| Total domestic deposits to total assets | 82.7098% | 3,755 |
| Equity capital to assets | 11.7291% | 1,971 |
| Core capital (leverage) ratio | 11.9096% | 1,708 |
| Tier 1 risk-based capital ratio | 15.8008% | 2,554 |
| Total risk-based capital ratio | 16.8788% | 2,562 |
| Memoranda: | ||
| Average total assets | $95,196,000 | 4,300 |
| Average earning assets | $87,956,000 | 4,302 |
| Average equity | $11,065,500 | 4,264 |
| Average total loans | $66,258,500 | 4,051 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 1,821 |
| Cost of funding earning assets | 0.6638% | 1,228 |
| Net interest margin | 3.8040% | 2,416 |
| Noninterest income to average assets | 0.6943% | 1,989 |
| Noninterest expense to average assets | 3.0167% | 2,125 |
| Loan and lease loss provision to assets | 0.1563% | 1,438 |
| Net operating income to assets | 0.6814% | 3,675 |
| Return on assets (ROA) | 0.6814% | 3,727 |
| Pretax return on assets | 1.0739% | 3,282 |
| Return on Equity (ROE) | 5.7887% | 3,843 |
| Retained earnings to average equity (ytd only) | 4.2591% | 2,606 |
| Net charge-offs to loans | 0.2323% | 1,117 |
| Credit loss provision to net charge-offs | 96.0265% | 2,685 |
| Earnings coverage of net charge-offs (x) | 7.5563% | 3,026 |
| Efficiency ratio | 71.0333% | 2,392 |
| Assets per employee ($millions) | 4.1803% | 3,688 |
| Cash dividends to net income (ytd only)* | 26.4241% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 3,401 |
| Loan loss allowance to noncurrent loans | 149.6920% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 2,871 |
| Noncurrent loans to loans | 0.7289% | 2,389 |
| Net loans and leases to total assets | 68.7326% | 2,717 |
| Net loans and leases to deposits | 82.6869% | 2,645 |
| Net loans and leases to core deposits | 89.6627% | 2,597 |
| Total domestic deposits to total assets | 83.1239% | 3,517 |
| Equity capital to assets | 11.5208% | 2,190 |
| Core capital (leverage) ratio | 11.4061% | 2,009 |
| Tier 1 risk-based capital ratio | 15.4506% | 2,641 |
| Total risk-based capital ratio | 16.4659% | 2,670 |
| Memoranda: | ||
| Average total assets | $92,750,000 | 4,376 |
| Average earning assets | $86,618,400 | 4,353 |
| Average equity | $10,917,800 | 4,312 |
| Average total loans | $65,008,200 | 4,072 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 1,843 |
| Cost of funding earning assets | 0.6368% | 1,324 |
| Net interest margin | 3.7989% | 2,407 |
| Noninterest income to average assets | 0.6224% | 2,349 |
| Noninterest expense to average assets | 2.9945% | 2,124 |
| Loan and lease loss provision to assets | 0.1668% | 1,213 |
| Net operating income to assets | 0.7240% | 3,855 |
| Return on assets (ROA) | 0.7240% | 3,917 |
| Pretax return on assets | 1.0185% | 3,614 |
| Return on Equity (ROE) | 6.1162% | 4,072 |
| Retained earnings to average equity (ytd only) | 6.1162% | 2,159 |
| Net charge-offs to loans | 0.2272% | 952 |
| Credit loss provision to net charge-offs | 104.5455% | 2,214 |
| Earnings coverage of net charge-offs (x) | 7.4275% | 2,874 |
| Efficiency ratio | 71.6418% | 2,253 |
| Assets per employee ($millions) | 4.2861% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,600 |
| Loan loss allowance to noncurrent loans | 83.4459% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.9417% | 1,811 |
| Noncurrent loans to loans | 1.2941% | 1,477 |
| Net loans and leases to total assets | 71.9876% | 2,258 |
| Net loans and leases to deposits | 87.1318% | 2,166 |
| Net loans and leases to core deposits | 95.1353% | 2,158 |
| Total domestic deposits to total assets | 82.6193% | 3,581 |
| Equity capital to assets | 11.8555% | 2,067 |
| Core capital (leverage) ratio | 12.0629% | 1,645 |
| Tier 1 risk-based capital ratio | 15.5784% | 2,680 |
| Total risk-based capital ratio | 16.6160% | 2,705 |
| Memoranda: | ||
| Average total assets | $91,900,500 | 4,432 |
| Average earning assets | $86,058,750 | 4,403 |
| Average equity | $10,878,000 | 4,365 |
| Average total loans | $64,556,750 | 4,111 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 1,863 |
| Cost of funding earning assets | 0.6055% | 1,406 |
| Net interest margin | 3.7811% | 2,358 |
| Noninterest income to average assets | 0.6103% | 2,409 |
| Noninterest expense to average assets | 3.0713% | 1,907 |
| Loan and lease loss provision to assets | 0.1866% | 1,015 |
| Net operating income to assets | 0.6454% | 4,105 |
| Return on assets (ROA) | 0.6454% | 4,154 |
| Pretax return on assets | 0.8891% | 3,963 |
| Return on Equity (ROE) | 5.4557% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.4557% | 2,435 |
| Net charge-offs to loans | 0.2563% | 798 |
| Credit loss provision to net charge-offs | 104.9383% | 1,951 |
| Earnings coverage of net charge-offs (x) | 6.0494% | 2,751 |
| Efficiency ratio | 74.0603% | 2,008 |
| Assets per employee ($millions) | 4.1951% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,502 |
| Loan loss allowance to noncurrent loans | 80.6557% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.9914% | 1,772 |
| Noncurrent loans to loans | 1.3814% | 1,401 |
| Net loans and leases to total assets | 70.9671% | 2,382 |
| Net loans and leases to deposits | 86.4327% | 2,173 |
| Net loans and leases to core deposits | 91.1567% | 2,408 |
| Total domestic deposits to total assets | 82.1068% | 3,855 |
| Equity capital to assets | 11.9089% | 1,992 |
| Core capital (leverage) ratio | 12.1781% | 1,545 |
| Tier 1 risk-based capital ratio | 15.9192% | 2,536 |
| Total risk-based capital ratio | 16.9952% | 2,539 |
| Memoranda: | ||
| Average total assets | $91,102,670 | 4,478 |
| Average earning assets | $85,214,000 | 4,442 |
| Average equity | $10,777,670 | 4,395 |
| Average total loans | $63,202,000 | 4,169 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2403% | 2,136 |
| Cost of funding earning assets | 0.6145% | 1,274 |
| Net interest margin | 3.6258% | 2,798 |
| Noninterest income to average assets | 0.6541% | 2,157 |
| Noninterest expense to average assets | 3.0848% | 1,906 |
| Loan and lease loss provision to assets | 0.1989% | 831 |
| Net operating income to assets | 0.5657% | 4,302 |
| Return on assets (ROA) | 0.5657% | 4,348 |
| Pretax return on assets | 0.7602% | 4,249 |
| Return on Equity (ROE) | 4.7981% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.7981% | 3,012 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2842% | 1,869 |
| Assets per employee ($millions) | 4.0802% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,821 |
| Loan loss allowance to noncurrent loans | 87.4439% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 1,838 |
| Noncurrent loans to loans | 1.4294% | 1,413 |
| Net loans and leases to total assets | 68.6489% | 2,577 |
| Net loans and leases to deposits | 82.1550% | 2,489 |
| Net loans and leases to core deposits | 84.2061% | 2,880 |
| Total domestic deposits to total assets | 83.5602% | 3,635 |
| Equity capital to assets | 11.9848% | 1,860 |
| Core capital (leverage) ratio | 11.9045% | 1,686 |
| Tier 1 risk-based capital ratio | 16.8709% | 2,227 |
| Total risk-based capital ratio | 18.0948% | 2,201 |
| Memoranda: | ||
| Average total assets | $90,508,000 | 4,532 |
| Average earning assets | $84,616,500 | 4,501 |
| Average equity | $10,671,000 | 4,440 |
| Average total loans | $61,685,500 | 4,252 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 1,849 |
| Cost of funding earning assets | 0.5596% | 1,609 |
| Net interest margin | 3.8311% | 2,208 |
| Noninterest income to average assets | 0.6566% | 2,388 |
| Noninterest expense to average assets | 2.7806% | 3,087 |
| Loan and lease loss provision to assets | 0.1484% | 1,677 |
| Net operating income to assets | 0.8875% | 2,891 |
| Return on assets (ROA) | 0.8883% | 3,003 |
| Pretax return on assets | 1.2930% | 2,305 |
| Return on Equity (ROE) | 7.5467% | 3,195 |
| Retained earnings to average equity (ytd only) | 5.9514% | 1,734 |
| Net charge-offs to loans | 0.1533% | 1,731 |
| Credit loss provision to net charge-offs | 140.4255% | 1,948 |
| Earnings coverage of net charge-offs (x) | 13.6277% | 2,353 |
| Efficiency ratio | 65.8764% | 3,607 |
| Assets per employee ($millions) | 5.0696% | 2,314 |
| Cash dividends to net income (ytd only)* | 21.1392% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 3,094 |
| Loan loss allowance to noncurrent loans | 53.8462% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.4959% | 1,117 |
| Noncurrent loans to loans | 2.2388% | 754 |
| Net loans and leases to total assets | 66.0084% | 3,074 |
| Net loans and leases to deposits | 78.5924% | 3,031 |
| Net loans and leases to core deposits | 82.1365% | 3,202 |
| Total domestic deposits to total assets | 83.9883% | 3,422 |
| Equity capital to assets | 11.5986% | 2,080 |
| Core capital (leverage) ratio | 11.9549% | 1,631 |
| Tier 1 risk-based capital ratio | 17.1801% | 2,095 |
| Total risk-based capital ratio | 18.3687% | 2,076 |
| Memoranda: | ||
| Average total assets | $88,938,800 | 4,562 |
| Average earning assets | $82,743,800 | 4,543 |
| Average equity | $10,468,200 | 4,499 |
| Average total loans | $61,302,000 | 4,250 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 1,667 |
| Cost of funding earning assets | 0.5581% | 1,624 |
| Net interest margin | 3.9016% | 1,975 |
| Noninterest income to average assets | 0.6594% | 2,367 |
| Noninterest expense to average assets | 2.8443% | 2,847 |
| Loan and lease loss provision to assets | 0.1494% | 1,569 |
| Net operating income to assets | 0.8907% | 2,958 |
| Return on assets (ROA) | 0.8918% | 3,079 |
| Pretax return on assets | 1.2962% | 2,443 |
| Return on Equity (ROE) | 7.5482% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.5482% | 1,380 |
| Net charge-offs to loans | 0.0456% | 2,738 |
| Credit loss provision to net charge-offs | 471.4286% | 744 |
| Earnings coverage of net charge-offs (x) | 45.5704% | 1,145 |
| Efficiency ratio | 66.3265% | 3,537 |
| Assets per employee ($millions) | 4.8616% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 2,677 |
| Loan loss allowance to noncurrent loans | 158.3673% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 3,230 |
| Noncurrent loans to loans | 0.8227% | 2,613 |
| Net loans and leases to total assets | 67.1790% | 2,927 |
| Net loans and leases to deposits | 80.9203% | 2,865 |
| Net loans and leases to core deposits | 85.6504% | 2,976 |
| Total domestic deposits to total assets | 83.0187% | 3,592 |
| Equity capital to assets | 12.2914% | 1,901 |
| Core capital (leverage) ratio | 12.1263% | 1,587 |
| Tier 1 risk-based capital ratio | 16.9992% | 2,225 |
| Total risk-based capital ratio | 18.2449% | 2,188 |
| Memoranda: | ||
| Average total assets | $88,360,500 | 4,612 |
| Average earning assets | $82,186,750 | 4,580 |
| Average equity | $10,439,250 | 4,549 |
| Average total loans | $61,385,250 | 4,276 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 1,796 |
| Cost of funding earning assets | 0.5599% | 1,617 |
| Net interest margin | 3.8512% | 2,132 |
| Noninterest income to average assets | 0.5866% | 2,687 |
| Noninterest expense to average assets | 2.8360% | 2,890 |
| Loan and lease loss provision to assets | 0.1489% | 1,545 |
| Net operating income to assets | 0.8280% | 3,180 |
| Return on assets (ROA) | 0.8280% | 3,315 |
| Pretax return on assets | 1.1868% | 2,835 |
| Return on Equity (ROE) | 7.1030% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.1030% | 1,552 |
| Net charge-offs to loans | 0.0032% | 3,595 |
| Credit loss provision to net charge-offs | 6,600.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 592.0000% | 109 |
| Efficiency ratio | 67.9827% | 3,350 |
| Assets per employee ($millions) | 3.9828% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 3,023 |
| Loan loss allowance to noncurrent loans | 80.8263% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 1,971 |
| Noncurrent loans to loans | 1.5572% | 1,387 |
| Net loans and leases to total assets | 68.3135% | 2,740 |
| Net loans and leases to deposits | 82.1489% | 2,693 |
| Net loans and leases to core deposits | 86.3177% | 2,870 |
| Total domestic deposits to total assets | 83.1581% | 3,592 |
| Equity capital to assets | 12.0553% | 2,091 |
| Core capital (leverage) ratio | 12.2302% | 1,507 |
| Tier 1 risk-based capital ratio | 16.6803% | 2,361 |
| Total risk-based capital ratio | 17.9085% | 2,320 |
| Memoranda: | ||
| Average total assets | $88,644,670 | 4,646 |
| Average earning assets | $82,519,330 | 4,612 |
| Average equity | $10,333,670 | 4,594 |
| Average total loans | $61,992,670 | 4,284 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 1,681 |
| Cost of funding earning assets | 0.5605% | 1,621 |
| Net interest margin | 3.8799% | 1,995 |
| Noninterest income to average assets | 0.5563% | 2,770 |
| Noninterest expense to average assets | 2.7412% | 3,269 |
| Loan and lease loss provision to assets | 0.1481% | 1,429 |
| Net operating income to assets | 0.8883% | 2,812 |
| Return on assets (ROA) | 0.8883% | 2,940 |
| Pretax return on assets | 1.2697% | 2,421 |
| Return on Equity (ROE) | 7.7503% | 3,062 |
| Retained earnings to average equity (ytd only) | 7.7503% | 1,566 |
| Net charge-offs to loans | 0.0128% | 2,698 |
| Credit loss provision to net charge-offs | 1,650.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 381 |
| Efficiency ratio | 65.9115% | 3,820 |
| Assets per employee ($millions) | 4.6944% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 3,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 68.2097% | 2,618 |
| Net loans and leases to deposits | 79.5250% | 2,862 |
| Net loans and leases to core deposits | 85.3893% | 2,801 |
| Total domestic deposits to total assets | 85.7715% | 2,776 |
| Equity capital to assets | 11.5972% | 2,354 |
| Core capital (leverage) ratio | 11.4771% | 1,990 |
| Tier 1 risk-based capital ratio | 16.1510% | 2,606 |
| Total risk-based capital ratio | 17.3060% | 2,610 |
| Memoranda: | ||
| Average total assets | $89,156,500 | 4,674 |
| Average earning assets | $82,785,500 | 4,650 |
| Average equity | $10,219,000 | 4,630 |
| Average total loans | $62,679,000 | 4,297 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 1,073 |
| Cost of funding earning assets | 0.5883% | 1,447 |
| Net interest margin | 4.1269% | 1,343 |
| Noninterest income to average assets | 0.5664% | 2,922 |
| Noninterest expense to average assets | 2.9929% | 2,573 |
| Loan and lease loss provision to assets | 0.1949% | 1,125 |
| Net operating income to assets | 0.8141% | 3,281 |
| Return on assets (ROA) | 0.8309% | 3,263 |
| Pretax return on assets | 1.1922% | 2,689 |
| Return on Equity (ROE) | 7.3991% | 3,307 |
| Retained earnings to average equity (ytd only) | 5.8969% | 1,844 |
| Net charge-offs to loans | 0.1693% | 1,672 |
| Credit loss provision to net charge-offs | 164.4231% | 1,636 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,570 |
| Efficiency ratio | 68.7075% | 3,448 |
| Assets per employee ($millions) | 4.4560% | 3,112 |
| Cash dividends to net income (ytd only)* | 20.3018% | 3,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 4,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 70.7952% | 2,248 |
| Net loans and leases to deposits | 82.1126% | 2,575 |
| Net loans and leases to core deposits | 87.5269% | 2,647 |
| Total domestic deposits to total assets | 86.2173% | 2,526 |
| Equity capital to assets | 11.3264% | 2,519 |
| Core capital (leverage) ratio | 11.3165% | 2,113 |
| Tier 1 risk-based capital ratio | 15.5196% | 2,919 |
| Total risk-based capital ratio | 16.6033% | 2,951 |
| Memoranda: | ||
| Average total assets | $87,740,600 | 4,715 |
| Average earning assets | $80,568,400 | 4,700 |
| Average equity | $9,852,600 | 4,677 |
| Average total loans | $61,444,800 | 4,338 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7715% | 981 |
| Cost of funding earning assets | 0.5894% | 1,473 |
| Net interest margin | 4.1821% | 1,208 |
| Noninterest income to average assets | 0.5446% | 3,077 |
| Noninterest expense to average assets | 3.1000% | 2,221 |
| Loan and lease loss provision to assets | 0.2136% | 899 |
| Net operating income to assets | 0.7449% | 3,701 |
| Return on assets (ROA) | 0.7674% | 3,693 |
| Pretax return on assets | 1.0954% | 3,246 |
| Return on Equity (ROE) | 6.8488% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.8488% | 1,760 |
| Net charge-offs to loans | 0.1205% | 1,916 |
| Credit loss provision to net charge-offs | 254.5455% | 1,121 |
| Earnings coverage of net charge-offs (x) | 15.2185% | 2,197 |
| Efficiency ratio | 70.8261% | 3,076 |
| Assets per employee ($millions) | 4.3432% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 3,887 |
| Loan loss allowance to noncurrent loans | 210.5882% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 4,032 |
| Noncurrent loans to loans | 0.5496% | 3,694 |
| Net loans and leases to total assets | 70.3971% | 2,333 |
| Net loans and leases to deposits | 84.8055% | 2,306 |
| Net loans and leases to core deposits | 91.1257% | 2,345 |
| Total domestic deposits to total assets | 83.0100% | 3,817 |
| Equity capital to assets | 11.5642% | 2,451 |
| Core capital (leverage) ratio | 11.2342% | 2,260 |
| Tier 1 risk-based capital ratio | 15.8456% | 2,869 |
| Total risk-based capital ratio | 16.9897% | 2,860 |
| Memoranda: | ||
| Average total assets | $87,396,000 | 4,778 |
| Average earning assets | $80,085,000 | 4,774 |
| Average equity | $9,792,250 | 4,755 |
| Average total loans | $60,858,500 | 4,404 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7969% | 897 |
| Cost of funding earning assets | 0.5912% | 1,480 |
| Net interest margin | 4.2058% | 1,101 |
| Noninterest income to average assets | 0.5595% | 2,981 |
| Noninterest expense to average assets | 3.0237% | 2,489 |
| Loan and lease loss provision to assets | 0.2124% | 905 |
| Net operating income to assets | 0.8046% | 3,361 |
| Return on assets (ROA) | 0.8382% | 3,293 |
| Pretax return on assets | 1.2058% | 2,759 |
| Return on Equity (ROE) | 7.5608% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.5608% | 1,444 |
| Net charge-offs to loans | 0.0496% | 2,717 |
| Credit loss provision to net charge-offs | 620.0000% | 536 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,131 |
| Efficiency ratio | 68.8150% | 3,529 |
| Assets per employee ($millions) | 4.2048% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 4,204 |
| Loan loss allowance to noncurrent loans | 510.0719% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 5,248 |
| Noncurrent loans to loans | 0.2205% | 4,899 |
| Net loans and leases to total assets | 70.5957% | 2,224 |
| Net loans and leases to deposits | 85.0562% | 2,177 |
| Net loans and leases to core deposits | 92.0387% | 2,157 |
| Total domestic deposits to total assets | 82.9989% | 3,961 |
| Equity capital to assets | 11.1778% | 2,689 |
| Core capital (leverage) ratio | 11.1513% | 2,289 |
| Tier 1 risk-based capital ratio | 15.4324% | 3,139 |
| Total risk-based capital ratio | 16.5515% | 3,137 |
| Memoranda: | ||
| Average total assets | $87,573,670 | 4,822 |
| Average earning assets | $79,843,000 | 4,830 |
| Average equity | $9,708,000 | 4,803 |
| Average total loans | $60,523,000 | 4,444 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 1,104 |
| Cost of funding earning assets | 0.5974% | 1,455 |
| Net interest margin | 4.0655% | 1,371 |
| Noninterest income to average assets | 0.5504% | 2,942 |
| Noninterest expense to average assets | 3.0088% | 2,555 |
| Loan and lease loss provision to assets | 0.2110% | 850 |
| Net operating income to assets | 0.7201% | 3,696 |
| Return on assets (ROA) | 0.7201% | 3,824 |
| Pretax return on assets | 1.0136% | 3,442 |
| Return on Equity (ROE) | 6.5233% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.5233% | 2,229 |
| Net charge-offs to loans | 0.0202% | 2,746 |
| Credit loss provision to net charge-offs | 1,533.3333% | 242 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 536 |
| Efficiency ratio | 71.0726% | 3,311 |
| Assets per employee ($millions) | 4.1585% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 4,395 |
| Loan loss allowance to noncurrent loans | 522.4806% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 5,364 |
| Noncurrent loans to loans | 0.2154% | 5,011 |
| Net loans and leases to total assets | 67.8057% | 2,476 |
| Net loans and leases to deposits | 79.5353% | 2,615 |
| Net loans and leases to core deposits | 84.7949% | 2,681 |
| Total domestic deposits to total assets | 85.2523% | 3,281 |
| Equity capital to assets | 11.1315% | 2,827 |
| Core capital (leverage) ratio | 11.0396% | 2,379 |
| Tier 1 risk-based capital ratio | 15.5094% | 3,139 |
| Total risk-based capital ratio | 16.6018% | 3,158 |
| Memoranda: | ||
| Average total assets | $87,210,500 | 4,876 |
| Average earning assets | $79,005,500 | 4,889 |
| Average equity | $9,627,000 | 4,861 |
| Average total loans | $59,262,000 | 4,512 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8232% | 1,064 |
| Cost of funding earning assets | 0.5780% | 1,973 |
| Net interest margin | 4.2451% | 1,178 |
| Noninterest income to average assets | 0.5025% | 3,484 |
| Noninterest expense to average assets | 2.8089% | 3,447 |
| Loan and lease loss provision to assets | 0.2679% | 814 |
| Net operating income to assets | 0.8705% | 3,015 |
| Return on assets (ROA) | 0.8996% | 2,965 |
| Pretax return on assets | 1.2883% | 2,281 |
| Return on Equity (ROE) | 8.4689% | 2,860 |
| Retained earnings to average equity (ytd only) | 6.8956% | 1,450 |
| Net charge-offs to loans | 0.1247% | 2,784 |
| Credit loss provision to net charge-offs | 327.5362% | 801 |
| Earnings coverage of net charge-offs (x) | 18.5217% | 1,842 |
| Efficiency ratio | 64.9671% | 4,407 |
| Assets per employee ($millions) | 3.9587% | 4,045 |
| Cash dividends to net income (ytd only)* | 18.5771% | 3,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 4,658 |
| Loan loss allowance to noncurrent loans | 485.3846% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 5,432 |
| Noncurrent loans to loans | 0.2217% | 5,029 |
| Net loans and leases to total assets | 66.6020% | 2,792 |
| Net loans and leases to deposits | 76.9614% | 3,096 |
| Net loans and leases to core deposits | 81.9778% | 3,111 |
| Total domestic deposits to total assets | 86.5395% | 2,545 |
| Equity capital to assets | 10.9459% | 2,950 |
| Core capital (leverage) ratio | 11.0712% | 2,340 |
| Tier 1 risk-based capital ratio | 15.3297% | 3,299 |
| Total risk-based capital ratio | 16.3575% | 3,382 |
| Memoranda: | ||
| Average total assets | $84,373,800 | 4,950 |
| Average earning assets | $75,946,200 | 4,989 |
| Average equity | $8,962,200 | 4,984 |
| Average total loans | $55,338,600 | 4,634 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 996 |
| Cost of funding earning assets | 0.5708% | 2,098 |
| Net interest margin | 4.2973% | 1,056 |
| Noninterest income to average assets | 0.4699% | 3,738 |
| Noninterest expense to average assets | 2.8102% | 3,423 |
| Loan and lease loss provision to assets | 0.2645% | 803 |
| Net operating income to assets | 0.8770% | 3,036 |
| Return on assets (ROA) | 0.9160% | 2,940 |
| Pretax return on assets | 1.3127% | 2,327 |
| Return on Equity (ROE) | 8.6927% | 2,849 |
| Retained earnings to average equity (ytd only) | 8.6927% | 1,099 |
| Net charge-offs to loans | 0.1052% | 2,745 |
| Credit loss provision to net charge-offs | 386.0465% | 730 |
| Earnings coverage of net charge-offs (x) | 22.2100% | 1,639 |
| Efficiency ratio | 64.8768% | 4,396 |
| Assets per employee ($millions) | 3.4226% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 4,856 |
| Loan loss allowance to noncurrent loans | 132.0796% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 4,204 |
| Noncurrent loans to loans | 0.8141% | 3,543 |
| Net loans and leases to total assets | 66.8651% | 2,709 |
| Net loans and leases to deposits | 77.4475% | 3,013 |
| Net loans and leases to core deposits | 82.7271% | 3,032 |
| Total domestic deposits to total assets | 86.3360% | 2,681 |
| Equity capital to assets | 11.0916% | 2,867 |
| Core capital (leverage) ratio | 10.8656% | 2,614 |
| Tier 1 risk-based capital ratio | 15.2476% | 3,443 |
| Total risk-based capital ratio | 16.2620% | 3,512 |
| Memoranda: | ||
| Average total assets | $83,694,250 | 5,023 |
| Average earning assets | $75,208,750 | 5,061 |
| Average equity | $8,819,500 | 5,059 |
| Average total loans | $54,514,250 | 4,708 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9162% | 886 |
| Cost of funding earning assets | 0.5863% | 2,015 |
| Net interest margin | 4.3299% | 970 |
| Noninterest income to average assets | 0.4441% | 3,909 |
| Noninterest expense to average assets | 2.7835% | 3,566 |
| Loan and lease loss provision to assets | 0.2517% | 865 |
| Net operating income to assets | 0.8906% | 2,860 |
| Return on assets (ROA) | 0.8906% | 2,956 |
| Pretax return on assets | 1.2849% | 2,317 |
| Return on Equity (ROE) | 8.5986% | 2,789 |
| Retained earnings to average equity (ytd only) | 8.5986% | 1,115 |
| Net charge-offs to loans | 0.0221% | 3,767 |
| Credit loss provision to net charge-offs | 1,766.6667% | 211 |
| Earnings coverage of net charge-offs (x) | 107.8333% | 528 |
| Efficiency ratio | 64.4310% | 4,624 |
| Assets per employee ($millions) | 3.9773% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 5,144 |
| Loan loss allowance to noncurrent loans | 91.4013% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 3,569 |
| Noncurrent loans to loans | 1.1429% | 2,945 |
| Net loans and leases to total assets | 65.1018% | 2,894 |
| Net loans and leases to deposits | 77.0938% | 2,915 |
| Net loans and leases to core deposits | 82.2779% | 2,939 |
| Total domestic deposits to total assets | 84.4450% | 3,751 |
| Equity capital to assets | 10.6988% | 3,199 |
| Core capital (leverage) ratio | 10.5012% | 2,948 |
| Tier 1 risk-based capital ratio | 14.8697% | 3,702 |
| Total risk-based capital ratio | 15.8422% | 3,826 |
| Memoranda: | ||
| Average total assets | $84,211,330 | 5,056 |
| Average earning assets | $75,383,670 | 5,095 |
| Average equity | $8,722,330 | 5,103 |
| Average total loans | $54,178,330 | 4,741 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 1,045 |
| Cost of funding earning assets | 0.6172% | 1,837 |
| Net interest margin | 4.1821% | 1,265 |
| Noninterest income to average assets | 0.5204% | 3,265 |
| Noninterest expense to average assets | 2.8762% | 3,296 |
| Loan and lease loss provision to assets | 0.2838% | 711 |
| Net operating income to assets | 0.7664% | 3,328 |
| Return on assets (ROA) | 0.7664% | 3,411 |
| Pretax return on assets | 1.0786% | 3,003 |
| Return on Equity (ROE) | 7.5213% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.5213% | 1,806 |
| Net charge-offs to loans | 0.0372% | 2,866 |
| Credit loss provision to net charge-offs | 1,200.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 57.6000% | 676 |
| Efficiency ratio | 67.8571% | 4,206 |
| Assets per employee ($millions) | 4.4227% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 5,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 6,045 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 63.5694% | 2,971 |
| Net loans and leases to deposits | 73.1613% | 3,177 |
| Net loans and leases to core deposits | 79.1495% | 3,069 |
| Total domestic deposits to total assets | 86.8894% | 2,882 |
| Equity capital to assets | 10.3533% | 3,397 |
| Core capital (leverage) ratio | 10.2217% | 3,260 |
| Tier 1 risk-based capital ratio | 14.8136% | 3,804 |
| Total risk-based capital ratio | 15.7270% | 3,973 |
| Memoranda: | ||
| Average total assets | $84,555,500 | 5,099 |
| Average earning assets | $75,178,000 | 5,144 |
| Average equity | $8,615,500 | 5,143 |
| Average total loans | $53,793,000 | 4,799 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 1,241 |
| Cost of funding earning assets | 0.6994% | 1,818 |
| Net interest margin | 4.1358% | 1,557 |
| Noninterest income to average assets | 0.5372% | 3,501 |
| Noninterest expense to average assets | 2.7783% | 3,802 |
| Loan and lease loss provision to assets | 0.2361% | 1,531 |
| Net operating income to assets | 0.8635% | 2,955 |
| Return on assets (ROA) | 0.8643% | 3,033 |
| Pretax return on assets | 1.2315% | 2,449 |
| Return on Equity (ROE) | 8.3951% | 2,833 |
| Retained earnings to average equity (ytd only) | 7.0762% | 1,408 |
| Net charge-offs to loans | 0.6933% | 935 |
| Credit loss provision to net charge-offs | 54.4959% | 3,718 |
| Earnings coverage of net charge-offs (x) | 3.3842% | 3,868 |
| Efficiency ratio | 65.4520% | 4,663 |
| Assets per employee ($millions) | 4.0514% | 3,759 |
| Cash dividends to net income (ytd only)* | 15.7104% | 3,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 5,971 |
| Loan loss allowance to noncurrent loans | 718.1818% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 6,114 |
| Noncurrent loans to loans | 0.1230% | 5,833 |
| Net loans and leases to total assets | 62.4882% | 3,300 |
| Net loans and leases to deposits | 71.3921% | 3,608 |
| Net loans and leases to core deposits | 77.1021% | 3,476 |
| Total domestic deposits to total assets | 87.5282% | 2,459 |
| Equity capital to assets | 10.0270% | 3,736 |
| Core capital (leverage) ratio | 10.0957% | 3,437 |
| Tier 1 risk-based capital ratio | 14.8116% | 3,775 |
| Total risk-based capital ratio | 15.6442% | 3,965 |
| Memoranda: | ||
| Average total assets | $84,693,200 | 5,123 |
| Average earning assets | $75,922,600 | 5,158 |
| Average equity | $8,719,400 | 5,156 |
| Average total loans | $52,938,200 | 4,844 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8149% | 1,315 |
| Cost of funding earning assets | 0.7189% | 1,818 |
| Net interest margin | 4.0960% | 1,647 |
| Noninterest income to average assets | 0.5595% | 3,393 |
| Noninterest expense to average assets | 2.7313% | 3,898 |
| Loan and lease loss provision to assets | 0.2128% | 1,709 |
| Net operating income to assets | 0.9051% | 2,809 |
| Return on assets (ROA) | 0.9062% | 2,912 |
| Pretax return on assets | 1.2987% | 2,335 |
| Return on Equity (ROE) | 8.7452% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.7452% | 1,143 |
| Net charge-offs to loans | 0.7025% | 847 |
| Credit loss provision to net charge-offs | 48.5612% | 3,543 |
| Earnings coverage of net charge-offs (x) | 3.4460% | 3,698 |
| Efficiency ratio | 64.3999% | 4,735 |
| Assets per employee ($millions) | 4.3884% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 5,893 |
| Loan loss allowance to noncurrent loans | 80.4523% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 4,249 |
| Noncurrent loans to loans | 1.1903% | 3,438 |
| Net loans and leases to total assets | 61.7738% | 3,404 |
| Net loans and leases to deposits | 71.0667% | 3,633 |
| Net loans and leases to core deposits | 77.4134% | 3,438 |
| Total domestic deposits to total assets | 86.9237% | 2,736 |
| Equity capital to assets | 10.6980% | 3,074 |
| Core capital (leverage) ratio | 10.5929% | 2,900 |
| Tier 1 risk-based capital ratio | 15.9832% | 3,201 |
| Total risk-based capital ratio | 16.8872% | 3,342 |
| Memoranda: | ||
| Average total assets | $84,596,500 | 5,173 |
| Average earning assets | $76,039,750 | 5,198 |
| Average equity | $8,766,500 | 5,198 |
| Average total loans | $52,763,000 | 4,893 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 1,293 |
| Cost of funding earning assets | 0.7216% | 1,911 |
| Net interest margin | 4.0936% | 1,560 |
| Noninterest income to average assets | 0.5976% | 3,211 |
| Noninterest expense to average assets | 2.6729% | 4,132 |
| Loan and lease loss provision to assets | 0.2118% | 1,791 |
| Net operating income to assets | 0.9819% | 2,406 |
| Return on assets (ROA) | 0.9835% | 2,544 |
| Pretax return on assets | 1.4258% | 1,850 |
| Return on Equity (ROE) | 9.5923% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.5923% | 944 |
| Net charge-offs to loans | 0.5093% | 1,288 |
| Credit loss provision to net charge-offs | 66.6667% | 2,897 |
| Earnings coverage of net charge-offs (x) | 5.1481% | 2,956 |
| Efficiency ratio | 62.0426% | 5,166 |
| Assets per employee ($millions) | 4.4994% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 5,240 |
| Loan loss allowance to noncurrent loans | 73.0392% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.3323% | 3,108 |
| Noncurrent loans to loans | 1.5750% | 2,947 |
| Net loans and leases to total assets | 59.9060% | 3,671 |
| Net loans and leases to deposits | 68.6014% | 3,920 |
| Net loans and leases to core deposits | 74.5242% | 3,725 |
| Total domestic deposits to total assets | 87.3247% | 2,640 |
| Equity capital to assets | 10.2867% | 3,561 |
| Core capital (leverage) ratio | 10.3588% | 3,034 |
| Tier 1 risk-based capital ratio | 15.5332% | 3,465 |
| Total risk-based capital ratio | 16.6038% | 3,522 |
| Memoranda: | ||
| Average total assets | $85,002,000 | 5,192 |
| Average earning assets | $77,046,330 | 5,193 |
| Average equity | $8,715,330 | 5,241 |
| Average total loans | $53,015,670 | 4,912 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8699% | 1,156 |
| Cost of funding earning assets | 0.7333% | 1,974 |
| Net interest margin | 4.1365% | 1,356 |
| Noninterest income to average assets | 0.7787% | 2,220 |
| Noninterest expense to average assets | 2.7183% | 3,987 |
| Loan and lease loss provision to assets | 0.2124% | 1,746 |
| Net operating income to assets | 1.1090% | 1,822 |
| Return on assets (ROA) | 1.1090% | 1,929 |
| Pretax return on assets | 1.6282% | 1,244 |
| Return on Equity (ROE) | 10.8345% | 1,754 |
| Retained earnings to average equity (ytd only) | 10.8345% | 908 |
| Net charge-offs to loans | 0.0075% | 4,004 |
| Credit loss provision to net charge-offs | 4,500.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 390.0000% | 90 |
| Efficiency ratio | 59.6273% | 5,640 |
| Assets per employee ($millions) | 4.2112% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,655 |
| Loan loss allowance to noncurrent loans | 71.6527% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.5281% | 2,966 |
| Noncurrent loans to loans | 1.8262% | 2,832 |
| Net loans and leases to total assets | 61.3400% | 3,201 |
| Net loans and leases to deposits | 70.8586% | 3,345 |
| Net loans and leases to core deposits | 76.5537% | 3,254 |
| Total domestic deposits to total assets | 86.5668% | 3,202 |
| Equity capital to assets | 10.4258% | 3,637 |
| Core capital (leverage) ratio | 10.1198% | 3,251 |
| Tier 1 risk-based capital ratio | 15.1385% | 3,747 |
| Total risk-based capital ratio | 16.3638% | 3,717 |
| Memoranda: | ||
| Average total assets | $84,758,500 | 5,240 |
| Average earning assets | $77,456,000 | 5,223 |
| Average equity | $8,676,000 | 5,312 |
| Average total loans | $53,619,000 | 4,926 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3518% | 821 |
| Cost of funding earning assets | 0.8355% | 2,389 |
| Net interest margin | 4.5163% | 914 |
| Noninterest income to average assets | 0.8932% | 1,881 |
| Noninterest expense to average assets | 3.1475% | 2,782 |
| Loan and lease loss provision to assets | 0.1978% | 3,159 |
| Net operating income to assets | 1.1321% | 1,833 |
| Return on assets (ROA) | 1.1321% | 2,002 |
| Pretax return on assets | 1.6434% | 1,276 |
| Return on Equity (ROE) | 11.1057% | 1,775 |
| Retained earnings to average equity (ytd only) | 9.6046% | 677 |
| Net charge-offs to loans | 0.1972% | 3,800 |
| Credit loss provision to net charge-offs | 151.4286% | 1,799 |
| Earnings coverage of net charge-offs (x) | 14.0952% | 1,767 |
| Efficiency ratio | 63.0923% | 5,061 |
| Assets per employee ($millions) | 4.0616% | 3,832 |
| Cash dividends to net income (ytd only)* | 13.5165% | 3,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 5,273 |
| Loan loss allowance to noncurrent loans | 362.1469% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 4,964 |
| Noncurrent loans to loans | 0.3225% | 5,679 |
| Net loans and leases to total assets | 63.6031% | 2,968 |
| Net loans and leases to deposits | 73.5560% | 3,162 |
| Net loans and leases to core deposits | 79.0952% | 3,137 |
| Total domestic deposits to total assets | 86.4690% | 3,114 |
| Equity capital to assets | 10.0489% | 4,106 |
| Core capital (leverage) ratio | 10.1420% | 3,221 |
| Tier 1 risk-based capital ratio | 14.0077% | 4,380 |
| Total risk-based capital ratio | 15.0990% | 4,449 |
| Memoranda: | ||
| Average total assets | $80,382,200 | 5,343 |
| Average earning assets | $72,891,800 | 5,342 |
| Average equity | $8,194,000 | 5,444 |
| Average total loans | $53,245,400 | 4,974 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 1,133 |
| Cost of funding earning assets | 0.8584% | 2,469 |
| Net interest margin | 4.3756% | 1,261 |
| Noninterest income to average assets | 0.8574% | 1,990 |
| Noninterest expense to average assets | 3.0825% | 2,938 |
| Loan and lease loss provision to assets | 0.2072% | 3,002 |
| Net operating income to assets | 1.0713% | 2,204 |
| Return on assets (ROA) | 1.0713% | 2,417 |
| Pretax return on assets | 1.5429% | 1,745 |
| Return on Equity (ROE) | 10.4692% | 2,147 |
| Retained earnings to average equity (ytd only) | 10.4692% | 793 |
| Net charge-offs to loans | 0.2700% | 3,106 |
| Credit loss provision to net charge-offs | 114.9533% | 2,535 |
| Earnings coverage of net charge-offs (x) | 9.7105% | 2,282 |
| Efficiency ratio | 63.7853% | 4,843 |
| Assets per employee ($millions) | 4.0139% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,746 |
| Loan loss allowance to noncurrent loans | 147.6773% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 2.4204% | 2,194 |
| Noncurrent loans to loans | 0.7403% | 4,937 |
| Net loans and leases to total assets | 68.0681% | 2,284 |
| Net loans and leases to deposits | 81.0246% | 2,247 |
| Net loans and leases to core deposits | 87.7320% | 2,243 |
| Total domestic deposits to total assets | 84.0091% | 4,215 |
| Equity capital to assets | 10.5535% | 3,777 |
| Core capital (leverage) ratio | 10.2816% | 3,189 |
| Tier 1 risk-based capital ratio | 13.7101% | 4,749 |
| Total risk-based capital ratio | 14.7356% | 4,842 |
| Memoranda: | ||
| Average total assets | $79,154,500 | 5,433 |
| Average earning assets | $71,913,000 | 5,434 |
| Average equity | $8,099,750 | 5,530 |
| Average total loans | $52,834,250 | 5,040 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 1,235 |
| Cost of funding earning assets | 0.8853% | 2,521 |
| Net interest margin | 4.3203% | 1,429 |
| Noninterest income to average assets | 0.8403% | 2,004 |
| Noninterest expense to average assets | 3.0668% | 3,026 |
| Loan and lease loss provision to assets | 0.2031% | 3,047 |
| Net operating income to assets | 1.0434% | 2,276 |
| Return on assets (ROA) | 1.0434% | 2,506 |
| Pretax return on assets | 1.4978% | 1,849 |
| Return on Equity (ROE) | 10.3063% | 2,235 |
| Retained earnings to average equity (ytd only) | 10.3063% | 889 |
| Net charge-offs to loans | 0.3306% | 2,706 |
| Credit loss provision to net charge-offs | 93.0233% | 2,953 |
| Earnings coverage of net charge-offs (x) | 7.7907% | 2,420 |
| Efficiency ratio | 64.3237% | 4,830 |
| Assets per employee ($millions) | 3.7229% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 5,702 |
| Loan loss allowance to noncurrent loans | 237.5510% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 2.0926% | 2,672 |
| Noncurrent loans to loans | 0.4712% | 5,593 |
| Net loans and leases to total assets | 65.7559% | 2,719 |
| Net loans and leases to deposits | 75.9126% | 3,009 |
| Net loans and leases to core deposits | 82.8226% | 2,852 |
| Total domestic deposits to total assets | 86.6206% | 2,998 |
| Equity capital to assets | 10.4988% | 3,691 |
| Core capital (leverage) ratio | 10.1883% | 3,161 |
| Tier 1 risk-based capital ratio | 14.1027% | 4,368 |
| Total risk-based capital ratio | 15.1483% | 4,500 |
| Memoranda: | ||
| Average total assets | $78,780,330 | 5,473 |
| Average earning assets | $71,614,670 | 5,474 |
| Average equity | $7,975,670 | 5,581 |
| Average total loans | $52,030,000 | 5,106 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 1,330 |
| Cost of funding earning assets | 0.9316% | 2,430 |
| Net interest margin | 4.2617% | 1,584 |
| Noninterest income to average assets | 0.9003% | 1,743 |
| Noninterest expense to average assets | 2.9995% | 3,252 |
| Loan and lease loss provision to assets | 0.1821% | 3,150 |
| Net operating income to assets | 1.0976% | 2,094 |
| Return on assets (ROA) | 1.0976% | 2,289 |
| Pretax return on assets | 1.5832% | 1,623 |
| Return on Equity (ROE) | 11.0440% | 2,000 |
| Retained earnings to average equity (ytd only) | 11.0440% | 1,014 |
| Net charge-offs to loans | 0.2920% | 2,500 |
| Credit loss provision to net charge-offs | 94.7368% | 2,462 |
| Earnings coverage of net charge-offs (x) | 9.1842% | 1,873 |
| Efficiency ratio | 62.9512% | 5,116 |
| Assets per employee ($millions) | 3.8937% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 5,851 |
| Loan loss allowance to noncurrent loans | 113.5922% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 2.4604% | 2,404 |
| Noncurrent loans to loans | 0.9804% | 4,712 |
| Net loans and leases to total assets | 66.7060% | 2,349 |
| Net loans and leases to deposits | 76.6244% | 2,711 |
| Net loans and leases to core deposits | 83.2388% | 2,648 |
| Total domestic deposits to total assets | 87.0558% | 2,929 |
| Equity capital to assets | 10.2282% | 3,818 |
| Core capital (leverage) ratio | 9.7329% | 3,733 |
| Tier 1 risk-based capital ratio | 13.6034% | 4,748 |
| Total risk-based capital ratio | 14.6429% | 4,897 |
| Memoranda: | ||
| Average total assets | $79,080,500 | 5,506 |
| Average earning assets | $71,708,000 | 5,506 |
| Average equity | $7,859,500 | 5,641 |
| Average total loans | $52,050,000 | 5,144 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4486% | 1,301 |
| Cost of funding earning assets | 1.1393% | 2,416 |
| Net interest margin | 4.3093% | 1,671 |
| Noninterest income to average assets | 0.5517% | 3,490 |
| Noninterest expense to average assets | 3.3416% | 2,386 |
| Loan and lease loss provision to assets | 0.2949% | 3,304 |
| Net operating income to assets | 0.6160% | 3,912 |
| Return on assets (ROA) | 0.6945% | 3,701 |
| Pretax return on assets | 0.9422% | 3,457 |
| Return on Equity (ROE) | 7.4213% | 3,191 |
| Retained earnings to average equity (ytd only) | 6.5251% | 1,727 |
| Net charge-offs to loans | 0.7188% | 2,358 |
| Credit loss provision to net charge-offs | 60.0000% | 5,170 |
| Earnings coverage of net charge-offs (x) | 2.3013% | 4,070 |
| Efficiency ratio | 74.7143% | 3,102 |
| Assets per employee ($millions) | 3.6495% | 4,665 |
| Cash dividends to net income (ytd only)* | 12.0755% | 3,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 5,667 |
| Loan loss allowance to noncurrent loans | 158.0645% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 2.2232% | 2,709 |
| Noncurrent loans to loans | 0.7214% | 5,252 |
| Net loans and leases to total assets | 63.4977% | 3,292 |
| Net loans and leases to deposits | 72.4285% | 3,740 |
| Net loans and leases to core deposits | 78.0959% | 3,673 |
| Total domestic deposits to total assets | 87.6694% | 2,361 |
| Equity capital to assets | 9.6577% | 4,665 |
| Core capital (leverage) ratio | 9.5312% | 3,974 |
| Tier 1 risk-based capital ratio | 13.2167% | 4,901 |
| Total risk-based capital ratio | 14.2613% | 5,034 |
| Memoranda: | ||
| Average total assets | $76,309,800 | 5,555 |
| Average earning assets | $69,430,600 | 5,555 |
| Average equity | $7,141,600 | 5,827 |
| Average total loans | $52,169,400 | 5,182 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5338% | 1,175 |
| Cost of funding earning assets | 1.1812% | 2,440 |
| Net interest margin | 4.3526% | 1,554 |
| Noninterest income to average assets | 0.5169% | 3,746 |
| Noninterest expense to average assets | 3.3618% | 2,305 |
| Loan and lease loss provision to assets | 0.3647% | 2,672 |
| Net operating income to assets | 0.5687% | 4,228 |
| Return on assets (ROA) | 0.6763% | 3,910 |
| Pretax return on assets | 0.9064% | 3,736 |
| Return on Equity (ROE) | 7.2880% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.2880% | 1,814 |
| Net charge-offs to loans | 0.9021% | 1,772 |
| Credit loss provision to net charge-offs | 58.1921% | 4,846 |
| Earnings coverage of net charge-offs (x) | 1.7994% | 4,314 |
| Efficiency ratio | 74.8817% | 3,025 |
| Assets per employee ($millions) | 3.4804% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 5,747 |
| Loan loss allowance to noncurrent loans | 52.0282% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 3.3225% | 1,914 |
| Noncurrent loans to loans | 2.1829% | 3,136 |
| Net loans and leases to total assets | 67.0763% | 2,659 |
| Net loans and leases to deposits | 76.8054% | 3,192 |
| Net loans and leases to core deposits | 84.6112% | 2,970 |
| Total domestic deposits to total assets | 87.3328% | 2,453 |
| Equity capital to assets | 9.9454% | 4,418 |
| Core capital (leverage) ratio | 9.6970% | 3,853 |
| Tier 1 risk-based capital ratio | 13.0360% | 5,073 |
| Total risk-based capital ratio | 14.0819% | 5,200 |
| Memoranda: | ||
| Average total assets | $75,315,250 | 5,633 |
| Average earning assets | $68,739,500 | 5,627 |
| Average equity | $6,988,500 | 5,905 |
| Average total loans | $52,319,500 | 5,221 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6478% | 970 |
| Cost of funding earning assets | 1.2075% | 2,530 |
| Net interest margin | 4.4403% | 1,268 |
| Noninterest income to average assets | 0.4353% | 4,383 |
| Noninterest expense to average assets | 3.3406% | 2,428 |
| Loan and lease loss provision to assets | 0.5020% | 1,952 |
| Net operating income to assets | 0.4845% | 4,568 |
| Return on assets (ROA) | 0.6489% | 3,931 |
| Pretax return on assets | 0.8545% | 3,815 |
| Return on Equity (ROE) | 7.1685% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.1685% | 1,801 |
| Net charge-offs to loans | 1.2127% | 1,292 |
| Credit loss provision to net charge-offs | 59.1195% | 4,360 |
| Earnings coverage of net charge-offs (x) | 1.3428% | 4,281 |
| Efficiency ratio | 74.5530% | 3,262 |
| Assets per employee ($millions) | 3.2842% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 5,651 |
| Loan loss allowance to noncurrent loans | 52.1926% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 2.4346% | 2,725 |
| Noncurrent loans to loans | 2.2508% | 3,160 |
| Net loans and leases to total assets | 67.6000% | 2,692 |
| Net loans and leases to deposits | 76.7080% | 3,341 |
| Net loans and leases to core deposits | 85.5957% | 2,978 |
| Total domestic deposits to total assets | 88.1263% | 2,061 |
| Equity capital to assets | 9.2074% | 5,274 |
| Core capital (leverage) ratio | 8.9605% | 4,785 |
| Tier 1 risk-based capital ratio | 12.1846% | 5,624 |
| Total risk-based capital ratio | 13.2754% | 5,731 |
| Memoranda: | ||
| Average total assets | $74,897,670 | 5,696 |
| Average earning assets | $68,239,330 | 5,688 |
| Average equity | $6,779,670 | 5,994 |
| Average total loans | $52,443,000 | 5,265 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7077% | 866 |
| Cost of funding earning assets | 1.2319% | 2,616 |
| Net interest margin | 4.4758% | 1,121 |
| Noninterest income to average assets | 0.3540% | 5,067 |
| Noninterest expense to average assets | 3.3576% | 2,388 |
| Loan and lease loss provision to assets | 0.3004% | 2,756 |
| Net operating income to assets | 0.6114% | 3,979 |
| Return on assets (ROA) | 0.6114% | 4,046 |
| Pretax return on assets | 0.7884% | 3,946 |
| Return on Equity (ROE) | 6.8141% | 3,482 |
| Retained earnings to average equity (ytd only) | 6.8141% | 2,231 |
| Net charge-offs to loans | 0.3861% | 2,531 |
| Credit loss provision to net charge-offs | 109.8039% | 2,432 |
| Earnings coverage of net charge-offs (x) | 3.9804% | 2,588 |
| Efficiency ratio | 75.5127% | 3,241 |
| Assets per employee ($millions) | 3.2391% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 4,594 |
| Loan loss allowance to noncurrent loans | 39.7642% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 3.4712% | 1,965 |
| Noncurrent loans to loans | 3.5545% | 2,091 |
| Net loans and leases to total assets | 69.4707% | 2,229 |
| Net loans and leases to deposits | 78.7651% | 2,932 |
| Net loans and leases to core deposits | 89.5446% | 2,403 |
| Total domestic deposits to total assets | 88.1998% | 2,265 |
| Equity capital to assets | 9.1088% | 5,028 |
| Core capital (leverage) ratio | 8.8568% | 4,840 |
| Tier 1 risk-based capital ratio | 11.5998% | 6,022 |
| Total risk-based capital ratio | 12.8497% | 6,007 |
| Memoranda: | ||
| Average total assets | $74,578,000 | 5,741 |
| Average earning assets | $68,189,000 | 5,730 |
| Average equity | $6,692,000 | 6,028 |
| Average total loans | $52,829,500 | 5,294 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8327% | 1,192 |
| Cost of funding earning assets | 1.4578% | 2,907 |
| Net interest margin | 4.3749% | 1,573 |
| Noninterest income to average assets | 0.5812% | 3,583 |
| Noninterest expense to average assets | 3.5874% | 1,958 |
| Loan and lease loss provision to assets | 0.4574% | 3,381 |
| Net operating income to assets | 0.4289% | 4,416 |
| Return on assets (ROA) | 0.5953% | 3,857 |
| Pretax return on assets | 0.7332% | 3,857 |
| Return on Equity (ROE) | 6.5099% | 3,342 |
| Retained earnings to average equity (ytd only) | 6.5099% | 1,549 |
| Net charge-offs to loans | 0.2211% | 4,963 |
| Credit loss provision to net charge-offs | 298.1651% | 900 |
| Earnings coverage of net charge-offs (x) | 6.4220% | 2,363 |
| Efficiency ratio | 78.4549% | 2,627 |
| Assets per employee ($millions) | 3.3935% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 4,582 |
| Loan loss allowance to noncurrent loans | 59.0545% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 2.2275% | 3,059 |
| Noncurrent loans to loans | 2.3475% | 3,174 |
| Net loans and leases to total assets | 70.2211% | 2,491 |
| Net loans and leases to deposits | 79.3921% | 3,277 |
| Net loans and leases to core deposits | 89.0900% | 2,878 |
| Total domestic deposits to total assets | 88.4485% | 1,980 |
| Equity capital to assets | 8.8378% | 5,378 |
| Core capital (leverage) ratio | 8.7542% | 4,934 |
| Tier 1 risk-based capital ratio | 11.7044% | 5,722 |
| Total risk-based capital ratio | 12.9555% | 5,724 |
| Memoranda: | ||
| Average total assets | $71,054,000 | 5,855 |
| Average earning assets | $64,824,200 | 5,834 |
| Average equity | $6,497,800 | 6,202 |
| Average total loans | $49,303,400 | 5,513 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8581% | 1,235 |
| Cost of funding earning assets | 1.4859% | 3,060 |
| Net interest margin | 4.3722% | 1,606 |
| Noninterest income to average assets | 0.5246% | 3,991 |
| Noninterest expense to average assets | 3.3564% | 2,411 |
| Loan and lease loss provision to assets | 0.5227% | 2,842 |
| Net operating income to assets | 0.5398% | 4,135 |
| Return on assets (ROA) | 0.5398% | 4,307 |
| Pretax return on assets | 0.6329% | 4,477 |
| Return on Equity (ROE) | 5.8501% | 3,884 |
| Retained earnings to average equity (ytd only) | 5.8501% | 2,441 |
| Net charge-offs to loans | 0.1572% | 5,057 |
| Credit loss provision to net charge-offs | 482.4561% | 613 |
| Earnings coverage of net charge-offs (x) | 10.6664% | 1,868 |
| Efficiency ratio | 74.3892% | 3,243 |
| Assets per employee ($millions) | 3.6547% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 4,238 |
| Loan loss allowance to noncurrent loans | 53.2805% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 2.4038% | 2,974 |
| Noncurrent loans to loans | 2.7096% | 2,929 |
| Net loans and leases to total assets | 69.0203% | 2,981 |
| Net loans and leases to deposits | 78.3649% | 3,762 |
| Net loans and leases to core deposits | 92.0921% | 2,784 |
| Total domestic deposits to total assets | 88.0755% | 1,919 |
| Equity capital to assets | 9.2800% | 5,174 |
| Core capital (leverage) ratio | 8.6598% | 5,257 |
| Tier 1 risk-based capital ratio | 11.4548% | 5,973 |
| Total risk-based capital ratio | 12.7061% | 5,957 |
| Memoranda: | ||
| Average total assets | $70,153,250 | 5,942 |
| Average earning assets | $63,978,750 | 5,921 |
| Average equity | $6,472,750 | 6,289 |
| Average total loans | $48,338,750 | 5,631 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8098% | 1,400 |
| Cost of funding earning assets | 1.5073% | 3,215 |
| Net interest margin | 4.3025% | 1,769 |
| Noninterest income to average assets | 0.3816% | 5,072 |
| Noninterest expense to average assets | 3.3684% | 2,346 |
| Loan and lease loss provision to assets | 0.6274% | 2,287 |
| Net operating income to assets | 0.3354% | 5,047 |
| Return on assets (ROA) | 0.3354% | 5,202 |
| Pretax return on assets | 0.2978% | 5,504 |
| Return on Equity (ROE) | 3.6425% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.6425% | 3,783 |
| Net charge-offs to loans | 0.1688% | 4,606 |
| Credit loss provision to net charge-offs | 542.5000% | 685 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,207 |
| Efficiency ratio | 78.4512% | 2,654 |
| Assets per employee ($millions) | 3.4478% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 4,332 |
| Loan loss allowance to noncurrent loans | 99.7147% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 1.4792% | 4,244 |
| Noncurrent loans to loans | 1.4255% | 4,575 |
| Net loans and leases to total assets | 66.9549% | 3,631 |
| Net loans and leases to deposits | 75.7492% | 4,374 |
| Net loans and leases to core deposits | 89.8556% | 3,292 |
| Total domestic deposits to total assets | 88.3901% | 1,787 |
| Equity capital to assets | 8.9926% | 5,459 |
| Core capital (leverage) ratio | 8.9970% | 4,605 |
| Tier 1 risk-based capital ratio | 11.4875% | 5,782 |
| Total risk-based capital ratio | 12.7371% | 5,753 |
| Memoranda: | ||
| Average total assets | $69,173,330 | 6,003 |
| Average earning assets | $62,894,000 | 5,989 |
| Average equity | $6,369,330 | 6,346 |
| Average total loans | $47,389,000 | 5,702 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8001% | 1,457 |
| Cost of funding earning assets | 1.5563% | 3,228 |
| Net interest margin | 4.2438% | 1,874 |
| Noninterest income to average assets | 0.1954% | 6,562 |
| Noninterest expense to average assets | 3.4578% | 2,082 |
| Loan and lease loss provision to assets | 1.1072% | 1,106 |
| Net operating income to assets | -0.1599% | 6,496 |
| Return on assets (ROA) | -0.1599% | 6,568 |
| Pretax return on assets | -0.5270% | 6,805 |
| Return on Equity (ROE) | -1.7147% | 6,608 |
| Retained earnings to average equity (ytd only) | -1.7147% | 6,162 |
| Net charge-offs to loans | 0.0430% | 4,991 |
| Credit loss provision to net charge-offs | 3,740.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 19.6000% | 1,191 |
| Efficiency ratio | 85.6305% | 1,833 |
| Assets per employee ($millions) | 3.0410% | 6,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 3,926 |
| Loan loss allowance to noncurrent loans | 67.9191% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.7772% | 3,820 |
| Noncurrent loans to loans | 2.2047% | 3,519 |
| Net loans and leases to total assets | 69.3183% | 3,087 |
| Net loans and leases to deposits | 79.7976% | 3,695 |
| Net loans and leases to core deposits | 95.2886% | 2,668 |
| Total domestic deposits to total assets | 86.8676% | 2,697 |
| Equity capital to assets | 9.4226% | 4,652 |
| Core capital (leverage) ratio | 9.0144% | 4,539 |
| Tier 1 risk-based capital ratio | 11.5107% | 5,661 |
| Total risk-based capital ratio | 12.7612% | 5,638 |
| Memoranda: | ||
| Average total assets | $67,558,000 | 6,120 |
| Average earning assets | $61,171,500 | 6,124 |
| Average equity | $6,298,500 | 6,415 |
| Average total loans | $46,495,000 | 5,819 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0186% | 1,793 |
| Cost of funding earning assets | 1.8907% | 3,512 |
| Net interest margin | 4.1279% | 2,328 |
| Noninterest income to average assets | 0.4600% | 4,717 |
| Noninterest expense to average assets | 3.5830% | 2,187 |
| Loan and lease loss provision to assets | 0.7588% | 2,832 |
| Net operating income to assets | 0.0516% | 5,332 |
| Return on assets (ROA) | 0.2175% | 4,903 |
| Pretax return on assets | 0.0110% | 5,414 |
| Return on Equity (ROE) | 2.2202% | 4,821 |
| Retained earnings to average equity (ytd only) | 2.2202% | 3,557 |
| Net charge-offs to loans | 1.1345% | 2,157 |
| Credit loss provision to net charge-offs | 98.5772% | 5,653 |
| Earnings coverage of net charge-offs (x) | 0.7846% | 5,324 |
| Efficiency ratio | 85.5755% | 2,161 |
| Assets per employee ($millions) | 3.2482% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,708 |
| Loan loss allowance to noncurrent loans | 64.2857% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.8501% | 3,596 |
| Noncurrent loans to loans | 1.7687% | 3,984 |
| Net loans and leases to total assets | 66.5372% | 4,026 |
| Net loans and leases to deposits | 75.0558% | 4,867 |
| Net loans and leases to core deposits | 85.6698% | 5,549 |
| Total domestic deposits to total assets | 88.6503% | 1,655 |
| Equity capital to assets | 9.2255% | 4,809 |
| Core capital (leverage) ratio | 9.3399% | 3,915 |
| Tier 1 risk-based capital ratio | 11.7483% | 5,155 |
| Total risk-based capital ratio | 12.7509% | 5,355 |
| Memoranda: | ||
| Average total assets | $63,912,600 | 6,206 |
| Average earning assets | $57,704,200 | 6,228 |
| Average equity | $6,260,800 | 6,512 |
| Average total loans | $43,368,200 | 5,965 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0918% | 1,678 |
| Cost of funding earning assets | 1.9555% | 3,591 |
| Net interest margin | 4.1363% | 2,263 |
| Noninterest income to average assets | 0.4095% | 5,216 |
| Noninterest expense to average assets | 3.5328% | 2,187 |
| Loan and lease loss provision to assets | 0.8127% | 2,340 |
| Net operating income to assets | 0.0212% | 5,664 |
| Return on assets (ROA) | 0.2461% | 5,084 |
| Pretax return on assets | 0.0276% | 5,653 |
| Return on Equity (ROE) | 2.4735% | 5,004 |
| Retained earnings to average equity (ytd only) | 2.4735% | 3,943 |
| Net charge-offs to loans | 1.0078% | 1,954 |
| Credit loss provision to net charge-offs | 118.5759% | 4,273 |
| Earnings coverage of net charge-offs (x) | 0.8978% | 5,160 |
| Efficiency ratio | 85.1662% | 2,163 |
| Assets per employee ($millions) | 2.9952% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 4,100 |
| Loan loss allowance to noncurrent loans | 88.3408% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.8188% | 3,625 |
| Noncurrent loans to loans | 1.5538% | 4,310 |
| Net loans and leases to total assets | 67.5103% | 4,070 |
| Net loans and leases to deposits | 75.7461% | 5,088 |
| Net loans and leases to core deposits | 89.8177% | 5,452 |
| Total domestic deposits to total assets | 89.1272% | 1,139 |
| Equity capital to assets | 10.1208% | 3,939 |
| Core capital (leverage) ratio | 9.6117% | 3,773 |
| Tier 1 risk-based capital ratio | 12.5332% | 4,515 |
| Total risk-based capital ratio | 13.7482% | 4,494 |
| Memoranda: | ||
| Average total assets | $62,837,500 | 6,283 |
| Average earning assets | $56,795,750 | 6,301 |
| Average equity | $6,252,750 | 6,572 |
| Average total loans | $42,733,000 | 6,035 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1761% | 1,540 |
| Cost of funding earning assets | 1.9763% | 3,885 |
| Net interest margin | 4.1997% | 2,003 |
| Noninterest income to average assets | 0.3502% | 5,697 |
| Noninterest expense to average assets | 3.5309% | 2,246 |
| Loan and lease loss provision to assets | 0.9201% | 1,833 |
| Net operating income to assets | -0.2165% | 6,216 |
| Return on assets (ROA) | 0.1210% | 5,602 |
| Pretax return on assets | 0.0255% | 5,819 |
| Return on Equity (ROE) | 1.2228% | 5,564 |
| Retained earnings to average equity (ytd only) | 1.2228% | 4,665 |
| Net charge-offs to loans | 1.1542% | 1,577 |
| Credit loss provision to net charge-offs | 117.4797% | 3,959 |
| Earnings coverage of net charge-offs (x) | 0.7764% | 4,953 |
| Efficiency ratio | 85.3077% | 2,323 |
| Assets per employee ($millions) | 3.0076% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 4,260 |
| Loan loss allowance to noncurrent loans | 84.7633% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.8224% | 3,445 |
| Noncurrent loans to loans | 1.5360% | 4,194 |
| Net loans and leases to total assets | 68.7714% | 4,003 |
| Net loans and leases to deposits | 77.0033% | 5,028 |
| Net loans and leases to core deposits | 92.6279% | 5,280 |
| Total domestic deposits to total assets | 89.3097% | 1,120 |
| Equity capital to assets | 9.7546% | 4,279 |
| Core capital (leverage) ratio | 9.5413% | 3,824 |
| Tier 1 risk-based capital ratio | 12.1345% | 4,814 |
| Total risk-based capital ratio | 13.2900% | 4,806 |
| Memoranda: | ||
| Average total assets | $62,816,670 | 6,339 |
| Average earning assets | $56,670,330 | 6,358 |
| Average equity | $6,215,000 | 6,635 |
| Average total loans | $42,625,670 | 6,084 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1998% | 1,604 |
| Cost of funding earning assets | 2.0311% | 3,983 |
| Net interest margin | 4.1687% | 2,014 |
| Noninterest income to average assets | 0.4853% | 4,457 |
| Noninterest expense to average assets | 3.4544% | 2,217 |
| Loan and lease loss provision to assets | 0.2363% | 4,090 |
| Net operating income to assets | 0.4789% | 4,527 |
| Return on assets (ROA) | 0.4789% | 4,713 |
| Pretax return on assets | 0.5427% | 4,940 |
| Return on Equity (ROE) | 4.8062% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.8062% | 3,233 |
| Net charge-offs to loans | 0.9920% | 1,357 |
| Credit loss provision to net charge-offs | 35.5769% | 4,880 |
| Earnings coverage of net charge-offs (x) | 1.1731% | 4,165 |
| Efficiency ratio | 81.5988% | 2,595 |
| Assets per employee ($millions) | 3.1765% | 5,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 5,683 |
| Loan loss allowance to noncurrent loans | 42.9898% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 2.3344% | 2,456 |
| Noncurrent loans to loans | 2.4910% | 2,642 |
| Net loans and leases to total assets | 67.3283% | 4,285 |
| Net loans and leases to deposits | 78.4768% | 4,852 |
| Net loans and leases to core deposits | 96.8723% | 4,859 |
| Total domestic deposits to total assets | 85.7939% | 2,827 |
| Equity capital to assets | 9.9372% | 4,069 |
| Core capital (leverage) ratio | 9.5871% | 3,885 |
| Tier 1 risk-based capital ratio | 12.0273% | 4,941 |
| Total risk-based capital ratio | 12.9469% | 5,130 |
| Memoranda: | ||
| Average total assets | $62,645,000 | 6,374 |
| Average earning assets | $56,324,000 | 6,403 |
| Average equity | $6,242,000 | 6,674 |
| Average total loans | $41,934,000 | 6,147 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6943% | 2,042 |
| Cost of funding earning assets | 2.4732% | 4,347 |
| Net interest margin | 4.2211% | 2,226 |
| Noninterest income to average assets | 0.4755% | 4,832 |
| Noninterest expense to average assets | 3.5897% | 2,178 |
| Loan and lease loss provision to assets | 0.3743% | 3,440 |
| Net operating income to assets | 0.3777% | 5,239 |
| Return on assets (ROA) | 0.3777% | 5,053 |
| Pretax return on assets | 0.3382% | 5,421 |
| Return on Equity (ROE) | 3.6762% | 4,962 |
| Retained earnings to average equity (ytd only) | 2.3728% | 3,724 |
| Net charge-offs to loans | -0.0207% | 7,931 |
| Credit loss provision to net charge-offs | -2,725.0000% | 7,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4397% | 2,121 |
| Assets per employee ($millions) | 3.0881% | 5,812 |
| Cash dividends to net income (ytd only)* | 35.4545% | 3,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 3,750 |
| Loan loss allowance to noncurrent loans | 50.4282% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 2.0547% | 2,389 |
| Noncurrent loans to loans | 2.5866% | 2,094 |
| Net loans and leases to total assets | 64.9309% | 5,076 |
| Net loans and leases to deposits | 77.6809% | 5,382 |
| Net loans and leases to core deposits | 93.5542% | 5,487 |
| Total domestic deposits to total assets | 83.5867% | 3,539 |
| Equity capital to assets | 9.9917% | 4,046 |
| Core capital (leverage) ratio | 9.9960% | 3,453 |
| Tier 1 risk-based capital ratio | 12.1944% | 4,671 |
| Total risk-based capital ratio | 13.2768% | 4,682 |
| Memoranda: | ||
| Average total assets | $58,249,200 | 6,442 |
| Average earning assets | $52,806,400 | 6,471 |
| Average equity | $5,984,400 | 6,813 |
| Average total loans | $38,664,400 | 6,238 |