Home > Citizens State Bank > Performance and Condition Ratios
Citizens State 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 | 6.9557% | 234 |
| Cost of funding earning assets | 1.3239% | 2,447 |
| Net interest margin | 5.6319% | 159 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 3.1414% | 893 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.8690% | 551 |
| Return on assets (ROA) | 1.8690% | 534 |
| Pretax return on assets | 2.3380% | 408 |
| Return on Equity (ROE) | 11.7400% | 2,027 |
| Retained earnings to average equity (ytd only) | 11.7420% | 666 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.9781% | 3,602 |
| Assets per employee ($millions) | 4.9123% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 3,654 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.9900% | 1,808 |
| Net loans and leases to deposits | 83.8889% | 1,787 |
| Net loans and leases to core deposits | 98.1568% | 1,535 |
| Total domestic deposits to total assets | 83.4300% | 2,772 |
| Equity capital to assets | 15.4639% | 513 |
| Core capital (leverage) ratio | 15.9512% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $72,069,400 | 4,096 |
| Average earning assets | $69,266,600 | 4,041 |
| Average equity | $11,471,600 | 3,579 |
| Average total loans | $52,362,200 | 3,805 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9604% | 204 |
| Cost of funding earning assets | 1.2158% | 2,382 |
| Net interest margin | 5.7446% | 137 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 3.1895% | 834 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.9118% | 556 |
| Return on assets (ROA) | 1.9118% | 550 |
| Pretax return on assets | 2.4096% | 422 |
| Return on Equity (ROE) | 11.9200% | 2,142 |
| Retained earnings to average equity (ytd only) | 11.9161% | 986 |
| Net charge-offs to loans | 0.0388% | 1,335 |
| Credit loss provision to net charge-offs | 820.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 93.0667% | 957 |
| Efficiency ratio | 54.6900% | 3,527 |
| Assets per employee ($millions) | 4.9869% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 3,924 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.9200% | 1,583 |
| Net loans and leases to deposits | 86.5373% | 1,507 |
| Net loans and leases to core deposits | 96.3468% | 1,536 |
| Total domestic deposits to total assets | 83.1100% | 2,996 |
| Equity capital to assets | 15.7973% | 460 |
| Core capital (leverage) ratio | 15.8492% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $70,437,750 | 4,125 |
| Average earning assets | $67,771,750 | 4,080 |
| Average equity | $11,301,000 | 3,596 |
| Average total loans | $51,572,500 | 3,833 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7369% | 210 |
| Cost of funding earning assets | 1.0427% | 2,473 |
| Net interest margin | 5.6942% | 137 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 3.2646% | 726 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.9280% | 532 |
| Return on assets (ROA) | 1.9280% | 529 |
| Pretax return on assets | 2.4209% | 393 |
| Return on Equity (ROE) | 11.9500% | 2,173 |
| Retained earnings to average equity (ytd only) | 11.9508% | 995 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.0199% | 3,413 |
| Assets per employee ($millions) | 5.3137% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7040% | 4,172 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 3,625 |
| Noncurrent loans to loans | 0.0271% | 3,562 |
| Net loans and leases to total assets | 73.9400% | 1,297 |
| Net loans and leases to deposits | 88.2013% | 1,327 |
| Net loans and leases to core deposits | 100.3283% | 1,218 |
| Total domestic deposits to total assets | 83.8300% | 2,865 |
| Equity capital to assets | 15.4224% | 486 |
| Core capital (leverage) ratio | 15.9458% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $68,982,333 | 4,157 |
| Average earning assets | $66,558,667 | 4,110 |
| Average equity | $11,129,000 | 3,623 |
| Average total loans | $50,679,667 | 3,852 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4881% | 184 |
| Cost of funding earning assets | 0.8514% | 2,530 |
| Net interest margin | 5.6367% | 128 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 3.5004% | 536 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.8106% | 653 |
| Return on assets (ROA) | 1.8106% | 644 |
| Pretax return on assets | 2.2753% | 512 |
| Return on Equity (ROE) | 10.9500% | 2,507 |
| Retained earnings to average equity (ytd only) | 10.9519% | 1,475 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.1036% | 2,949 |
| Assets per employee ($millions) | 5.6926% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 4,263 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 74.0300% | 1,203 |
| Net loans and leases to deposits | 88.9563% | 1,139 |
| Net loans and leases to core deposits | 99.0558% | 1,133 |
| Total domestic deposits to total assets | 83.2200% | 3,253 |
| Equity capital to assets | 16.2595% | 384 |
| Core capital (leverage) ratio | 16.4084% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $66,277,500 | 4,241 |
| Average earning assets | $64,363,500 | 4,192 |
| Average equity | $10,957,000 | 3,678 |
| Average total loans | $48,322,000 | 3,930 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5969% | 616 |
| Cost of funding earning assets | 0.2680% | 3,177 |
| Net interest margin | 4.3289% | 397 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 3.0431% | 906 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.0951% | 2,195 |
| Return on assets (ROA) | 1.0951% | 2,137 |
| Pretax return on assets | 1.3625% | 1,894 |
| Return on Equity (ROE) | 7.7800% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.7776% | 1,924 |
| Net charge-offs to loans | -0.1910% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.4824% | 2,149 |
| Assets per employee ($millions) | 5.3537% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7457% | 4,145 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.6400% | 1,569 |
| Net loans and leases to deposits | 85.3102% | 1,368 |
| Net loans and leases to core deposits | 94.7712% | 1,261 |
| Total domestic deposits to total assets | 82.8100% | 3,461 |
| Equity capital to assets | 16.8218% | 344 |
| Core capital (leverage) ratio | 17.1899% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $55,338,600 | 4,383 |
| Average earning assets | $52,230,600 | 4,349 |
| Average equity | $7,791,600 | 4,119 |
| Average total loans | $36,133,800 | 4,134 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 1,022 |
| Cost of funding earning assets | 0.1819% | 3,495 |
| Net interest margin | 3.9413% | 716 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 3.0902% | 802 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.7958% | 3,281 |
| Return on assets (ROA) | 0.7958% | 3,233 |
| Pretax return on assets | 0.9765% | 3,087 |
| Return on Equity (ROE) | 6.0100% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.0056% | 2,758 |
| Net charge-offs to loans | -0.2608% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.9339% | 1,280 |
| Assets per employee ($millions) | 5.1635% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6892% | 4,269 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 1,005 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 66.9800% | 1,788 |
| Net loans and leases to deposits | 81.0950% | 1,517 |
| Net loans and leases to core deposits | 88.8770% | 1,365 |
| Total domestic deposits to total assets | 82.5900% | 3,742 |
| Equity capital to assets | 16.9765% | 324 |
| Core capital (leverage) ratio | 18.0767% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8350% | 319 |
| Memoranda: | ||
| Average total assets | $53,112,250 | 4,439 |
| Average earning assets | $49,830,000 | 4,406 |
| Average equity | $7,037,750 | 4,250 |
| Average total loans | $33,735,750 | 4,196 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6891% | 1,565 |
| Cost of funding earning assets | 0.1450% | 3,634 |
| Net interest margin | 3.5441% | 1,197 |
| Noninterest income to average assets | 0.4505% | 2,445 |
| Noninterest expense to average assets | 3.1617% | 669 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4984% | 3,895 |
| Return on assets (ROA) | 0.4984% | 3,850 |
| Pretax return on assets | 0.6020% | 3,816 |
| Return on Equity (ROE) | 4.2536% | 3,974 |
| Retained earnings to average equity (ytd only) | 4.2536% | 2,994 |
| Net charge-offs to loans | -0.4187% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0042% | 680 |
| Assets per employee ($millions) | 4.8771% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 4,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 63.5345% | 1,962 |
| Net loans and leases to deposits | 71.6855% | 2,055 |
| Net loans and leases to core deposits | 72.8421% | 2,251 |
| Total domestic deposits to total assets | 88.6296% | 2,323 |
| Equity capital to assets | 11.0684% | 1,178 |
| Core capital (leverage) ratio | 11.5990% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9735% | 996 |
| Memoranda: | ||
| Average total assets | $50,162,333 | 4,510 |
| Average earning assets | $46,895,333 | 4,493 |
| Average equity | $5,877,333 | 4,431 |
| Average total loans | $31,051,000 | 4,292 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4084% | 2,064 |
| Cost of funding earning assets | 0.1623% | 3,336 |
| Net interest margin | 3.2461% | 1,731 |
| Noninterest income to average assets | 0.5700% | 1,824 |
| Noninterest expense to average assets | 2.8666% | 1,028 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5618% | 3,517 |
| Return on assets (ROA) | 0.5618% | 3,494 |
| Pretax return on assets | 0.6774% | 3,453 |
| Return on Equity (ROE) | 4.6520% | 3,711 |
| Retained earnings to average equity (ytd only) | 4.6520% | 2,719 |
| Net charge-offs to loans | -0.6528% | 4,722 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8858% | 1,083 |
| Assets per employee ($millions) | 5.1219% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 4,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 59.6244% | 2,103 |
| Net loans and leases to deposits | 67.4985% | 2,201 |
| Net loans and leases to core deposits | 69.9393% | 2,296 |
| Total domestic deposits to total assets | 88.3344% | 2,371 |
| Equity capital to assets | 11.4821% | 1,130 |
| Core capital (leverage) ratio | 11.8583% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9647% | 762 |
| Memoranda: | ||
| Average total assets | $48,419,500 | 4,556 |
| Average earning assets | $44,361,500 | 4,557 |
| Average equity | $5,847,000 | 4,481 |
| Average total loans | $29,413,000 | 4,342 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9018% | 4,052 |
| Cost of funding earning assets | 0.3273% | 2,141 |
| Net interest margin | 2.5745% | 4,090 |
| Noninterest income to average assets | 0.3359% | 3,408 |
| Noninterest expense to average assets | 2.8847% | 1,185 |
| Loan and lease loss provision to assets | 0.3124% | 257 |
| Net operating income to assets | -0.5337% | 4,767 |
| Return on assets (ROA) | -0.5337% | 4,772 |
| Pretax return on assets | -0.5676% | 4,769 |
| Return on Equity (ROE) | -5.1836% | 4,779 |
| Retained earnings to average equity (ytd only) | -5.1836% | 4,712 |
| Net charge-offs to loans | 0.9858% | 65 |
| Credit loss provision to net charge-offs | 69.3642% | 2,019 |
| Earnings coverage of net charge-offs (x) | -0.5665% | 2,656 |
| Efficiency ratio | 109.7030% | 99 |
| Assets per employee ($millions) | 4.1555% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3100% | 4,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 61.2011% | 2,044 |
| Net loans and leases to deposits | 70.3367% | 2,100 |
| Net loans and leases to core deposits | 74.1020% | 2,068 |
| Total domestic deposits to total assets | 87.0116% | 2,515 |
| Equity capital to assets | 12.9140% | 927 |
| Core capital (leverage) ratio | 14.2388% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1847% | 736 |
| Memoranda: | ||
| Average total assets | $38,409,400 | 4,676 |
| Average earning assets | $34,220,400 | 4,677 |
| Average equity | $3,954,800 | 4,707 |
| Average total loans | $17,549,400 | 4,606 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5419% | 4,546 |
| Cost of funding earning assets | 0.3527% | 2,094 |
| Net interest margin | 2.1892% | 4,577 |
| Noninterest income to average assets | 0.2916% | 3,706 |
| Noninterest expense to average assets | 2.9156% | 1,100 |
| Loan and lease loss provision to assets | 0.4373% | 141 |
| Net operating income to assets | -1.0460% | 4,863 |
| Return on assets (ROA) | -1.0460% | 4,866 |
| Pretax return on assets | -1.0933% | 4,864 |
| Return on Equity (ROE) | -11.0347% | 4,886 |
| Retained earnings to average equity (ytd only) | -11.0347% | 4,856 |
| Net charge-offs to loans | 1.0276% | 63 |
| Credit loss provision to net charge-offs | 104.3478% | 1,553 |
| Earnings coverage of net charge-offs (x) | -1.5652% | 2,424 |
| Efficiency ratio | 129.0323% | 59 |
| Assets per employee ($millions) | 3.4509% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 4,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 53.9357% | 2,977 |
| Net loans and leases to deposits | 61.6575% | 3,077 |
| Net loans and leases to core deposits | 65.0712% | 3,036 |
| Total domestic deposits to total assets | 87.4763% | 2,118 |
| Equity capital to assets | 12.2655% | 1,277 |
| Core capital (leverage) ratio | 13.5239% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5838% | 736 |
| Memoranda: | ||
| Average total assets | $36,584,250 | 4,764 |
| Average earning assets | $32,888,250 | 4,761 |
| Average equity | $3,467,750 | 4,815 |
| Average total loans | $14,921,250 | 4,721 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4194% | 4,666 |
| Cost of funding earning assets | 0.3807% | 2,045 |
| Net interest margin | 2.0387% | 4,689 |
| Noninterest income to average assets | 0.3599% | 3,303 |
| Noninterest expense to average assets | 2.8954% | 1,153 |
| Loan and lease loss provision to assets | 0.3322% | 236 |
| Net operating income to assets | -1.0297% | 4,899 |
| Return on assets (ROA) | -1.0297% | 4,901 |
| Pretax return on assets | -1.0297% | 4,898 |
| Return on Equity (ROE) | -12.1107% | 4,920 |
| Retained earnings to average equity (ytd only) | -12.1107% | 4,882 |
| Net charge-offs to loans | 0.9215% | 88 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | -2.1000% | 2,218 |
| Efficiency ratio | 131.7380% | 54 |
| Assets per employee ($millions) | 3.8001% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 4,073 |
| Loan loss allowance to noncurrent loans | 247.3684% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 3,151 |
| Noncurrent loans to loans | 0.3745% | 2,561 |
| Net loans and leases to total assets | 44.0864% | 4,038 |
| Net loans and leases to deposits | 48.4512% | 4,186 |
| Net loans and leases to core deposits | 52.4781% | 4,109 |
| Total domestic deposits to total assets | 90.9915% | 381 |
| Equity capital to assets | 8.7220% | 4,029 |
| Core capital (leverage) ratio | 8.3860% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6442% | 1,742 |
| Memoranda: | ||
| Average total assets | $36,125,667 | 4,800 |
| Average earning assets | $32,570,333 | 4,797 |
| Average equity | $3,071,667 | 4,867 |
| Average total loans | $13,021,667 | 4,787 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1716% | 4,800 |
| Cost of funding earning assets | 0.4125% | 1,995 |
| Net interest margin | 1.7591% | 4,825 |
| Noninterest income to average assets | 0.4098% | 3,040 |
| Noninterest expense to average assets | 3.1061% | 832 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -1.1324% | 4,933 |
| Return on assets (ROA) | -1.1324% | 4,933 |
| Pretax return on assets | -1.1324% | 4,933 |
| Return on Equity (ROE) | -13.4788% | 4,949 |
| Retained earnings to average equity (ytd only) | -13.4788% | 4,866 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.3770% | 29 |
| Assets per employee ($millions) | 4.0054% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,942 |
| Loan loss allowance to noncurrent loans | 238.9831% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 3,346 |
| Noncurrent loans to loans | 0.5017% | 2,351 |
| Net loans and leases to total assets | 32.2284% | 4,623 |
| Net loans and leases to deposits | 35.2809% | 4,697 |
| Net loans and leases to core deposits | 38.1581% | 4,666 |
| Total domestic deposits to total assets | 91.3479% | 282 |
| Equity capital to assets | 8.4995% | 4,117 |
| Core capital (leverage) ratio | 8.2771% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2289% | 1,037 |
| Memoranda: | ||
| Average total assets | $37,088,000 | 4,813 |
| Average earning assets | $32,970,500 | 4,810 |
| Average equity | $3,116,000 | 4,889 |
| Average total loans | $11,923,000 | 4,831 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0636% | 4,590 |
| Cost of funding earning assets | 0.6357% | 2,084 |
| Net interest margin | 2.4280% | 4,639 |
| Noninterest income to average assets | 0.2316% | 4,113 |
| Noninterest expense to average assets | 2.7506% | 2,075 |
| Loan and lease loss provision to assets | 0.0565% | 3,662 |
| Net operating income to assets | -0.3445% | 4,849 |
| Return on assets (ROA) | -0.3445% | 4,866 |
| Pretax return on assets | -0.3643% | 4,855 |
| Return on Equity (ROE) | -3.7862% | 4,883 |
| Retained earnings to average equity (ytd only) | -3.7862% | 4,805 |
| Net charge-offs to loans | 0.2636% | 658 |
| Credit loss provision to net charge-offs | 54.0541% | 3,123 |
| Earnings coverage of net charge-offs (x) | -2.9459% | 3,368 |
| Efficiency ratio | 112.6012% | 110 |
| Assets per employee ($millions) | 4.2364% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 3,208 |
| Loan loss allowance to noncurrent loans | 235.5932% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 3,504 |
| Noncurrent loans to loans | 0.4881% | 2,503 |
| Net loans and leases to total assets | 31.3366% | 4,723 |
| Net loans and leases to deposits | 34.2301% | 4,780 |
| Net loans and leases to core deposits | 36.1404% | 4,776 |
| Total domestic deposits to total assets | 91.5469% | 127 |
| Equity capital to assets | 8.3089% | 4,566 |
| Core capital (leverage) ratio | 8.4007% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2320% | 1,206 |
| Memoranda: | ||
| Average total assets | $35,410,400 | 4,824 |
| Average earning assets | $32,249,200 | 4,821 |
| Average equity | $3,222,200 | 4,899 |
| Average total loans | $14,036,400 | 4,821 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1479% | 4,637 |
| Cost of funding earning assets | 0.6907% | 2,082 |
| Net interest margin | 2.4572% | 4,684 |
| Noninterest income to average assets | 0.2687% | 3,859 |
| Noninterest expense to average assets | 2.8792% | 1,747 |
| Loan and lease loss provision to assets | 0.0777% | 3,346 |
| Net operating income to assets | -0.4146% | 4,884 |
| Return on assets (ROA) | -0.4146% | 4,891 |
| Pretax return on assets | -0.4338% | 4,885 |
| Return on Equity (ROE) | -4.4502% | 4,907 |
| Retained earnings to average equity (ytd only) | -4.4502% | 4,828 |
| Net charge-offs to loans | 0.3580% | 444 |
| Credit loss provision to net charge-offs | 51.2821% | 2,880 |
| Earnings coverage of net charge-offs (x) | -2.3846% | 3,171 |
| Efficiency ratio | 114.1553% | 97 |
| Assets per employee ($millions) | 4.4545% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 4,172 |
| Loan loss allowance to noncurrent loans | 172.5000% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 3,324 |
| Noncurrent loans to loans | 0.5025% | 2,546 |
| Net loans and leases to total assets | 44.2895% | 4,407 |
| Net loans and leases to deposits | 48.8109% | 4,522 |
| Net loans and leases to core deposits | 51.7883% | 4,533 |
| Total domestic deposits to total assets | 90.7369% | 227 |
| Equity capital to assets | 8.9292% | 4,163 |
| Core capital (leverage) ratio | 9.0629% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7757% | 1,565 |
| Memoranda: | ||
| Average total assets | $34,731,000 | 4,859 |
| Average earning assets | $31,851,500 | 4,852 |
| Average equity | $3,235,750 | 4,926 |
| Average total loans | $14,523,750 | 4,845 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1159% | 4,782 |
| Cost of funding earning assets | 0.7443% | 2,157 |
| Net interest margin | 2.3716% | 4,808 |
| Noninterest income to average assets | 0.2440% | 4,018 |
| Noninterest expense to average assets | 2.9045% | 1,818 |
| Loan and lease loss provision to assets | 0.1162% | 2,860 |
| Net operating income to assets | -0.5402% | 4,919 |
| Return on assets (ROA) | -0.5402% | 4,917 |
| Pretax return on assets | -0.5925% | 4,914 |
| Return on Equity (ROE) | -5.7166% | 4,936 |
| Retained earnings to average equity (ytd only) | -5.7166% | 4,802 |
| Net charge-offs to loans | 0.6402% | 249 |
| Credit loss provision to net charge-offs | 44.4444% | 2,648 |
| Earnings coverage of net charge-offs (x) | -1.8222% | 2,959 |
| Efficiency ratio | 119.6172% | 94 |
| Assets per employee ($millions) | 4.3350% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 3,936 |
| Loan loss allowance to noncurrent loans | 140.8602% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 3,245 |
| Noncurrent loans to loans | 0.6501% | 2,238 |
| Net loans and leases to total assets | 40.8708% | 4,572 |
| Net loans and leases to deposits | 45.1646% | 4,672 |
| Net loans and leases to core deposits | 48.0051% | 4,665 |
| Total domestic deposits to total assets | 90.4931% | 270 |
| Equity capital to assets | 9.2186% | 3,910 |
| Core capital (leverage) ratio | 9.4886% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2219% | 1,201 |
| Memoranda: | ||
| Average total assets | $34,429,333 | 4,888 |
| Average earning assets | $31,708,333 | 4,878 |
| Average equity | $3,253,667 | 4,957 |
| Average total loans | $14,058,000 | 4,883 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5731% | 4,558 |
| Cost of funding earning assets | 0.7502% | 2,668 |
| Net interest margin | 2.8229% | 4,546 |
| Noninterest income to average assets | 0.2332% | 4,153 |
| Noninterest expense to average assets | 3.0084% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.1866% | 4,845 |
| Return on assets (ROA) | -0.1866% | 4,818 |
| Pretax return on assets | -0.1866% | 4,804 |
| Return on Equity (ROE) | -1.9500% | 4,837 |
| Retained earnings to average equity (ytd only) | -1.9500% | 4,248 |
| Net charge-offs to loans | -0.1148% | 4,846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6116% | 168 |
| Assets per employee ($millions) | 4.2174% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 2,828 |
| Loan loss allowance to noncurrent loans | 146.3636% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 3,142 |
| Noncurrent loans to loans | 0.7990% | 2,012 |
| Net loans and leases to total assets | 40.3272% | 4,653 |
| Net loans and leases to deposits | 44.7787% | 4,750 |
| Net loans and leases to core deposits | 48.5616% | 4,713 |
| Total domestic deposits to total assets | 90.0590% | 304 |
| Equity capital to assets | 9.7039% | 4,037 |
| Core capital (leverage) ratio | 9.5069% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3474% | 1,094 |
| Memoranda: | ||
| Average total assets | $34,304,000 | 4,924 |
| Average earning assets | $31,457,500 | 4,914 |
| Average equity | $3,282,000 | 5,002 |
| Average total loans | $13,934,500 | 4,928 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 2,561 |
| Cost of funding earning assets | 0.7903% | 2,728 |
| Net interest margin | 3.8235% | 2,429 |
| Noninterest income to average assets | 0.2949% | 3,924 |
| Noninterest expense to average assets | 3.0241% | 1,956 |
| Loan and lease loss provision to assets | 0.3822% | 388 |
| Net operating income to assets | 0.3310% | 4,712 |
| Return on assets (ROA) | 0.3310% | 4,736 |
| Pretax return on assets | 0.3972% | 4,712 |
| Return on Equity (ROE) | 3.4094% | 4,593 |
| Retained earnings to average equity (ytd only) | 3.4094% | 3,306 |
| Net charge-offs to loans | 1.5626% | 86 |
| Credit loss provision to net charge-offs | 50.3968% | 3,122 |
| Earnings coverage of net charge-offs (x) | 1.0278% | 3,572 |
| Efficiency ratio | 79.5095% | 980 |
| Assets per employee ($millions) | 4.3586% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 2,868 |
| Loan loss allowance to noncurrent loans | 142.7273% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 3,157 |
| Noncurrent loans to loans | 0.7800% | 1,948 |
| Net loans and leases to total assets | 39.9925% | 4,730 |
| Net loans and leases to deposits | 44.2614% | 4,823 |
| Net loans and leases to core deposits | 47.6768% | 4,801 |
| Total domestic deposits to total assets | 90.3553% | 225 |
| Equity capital to assets | 9.4353% | 4,399 |
| Core capital (leverage) ratio | 9.5966% | 3,966 |
| Tier 1 risk-based capital ratio | 16.5852% | 2,194 |
| Total risk-based capital ratio | 17.3766% | 2,307 |
| Memoranda: | ||
| Average total assets | $33,232,600 | 4,991 |
| Average earning assets | $30,496,000 | 4,980 |
| Average equity | $3,226,400 | 5,060 |
| Average total loans | $16,126,800 | 4,946 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6129% | 2,682 |
| Cost of funding earning assets | 0.8057% | 2,688 |
| Net interest margin | 3.8072% | 2,572 |
| Noninterest income to average assets | 0.2843% | 4,038 |
| Noninterest expense to average assets | 2.9247% | 2,183 |
| Loan and lease loss provision to assets | 0.5159% | 233 |
| Net operating income to assets | 0.2843% | 4,863 |
| Return on assets (ROA) | 0.2843% | 4,878 |
| Pretax return on assets | 0.3371% | 4,868 |
| Return on Equity (ROE) | 2.9070% | 4,777 |
| Retained earnings to average equity (ytd only) | 2.9070% | 3,932 |
| Net charge-offs to loans | 1.8998% | 60 |
| Credit loss provision to net charge-offs | 53.5865% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.8861% | 3,336 |
| Efficiency ratio | 77.4194% | 1,164 |
| Assets per employee ($millions) | 4.0074% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 3,767 |
| Loan loss allowance to noncurrent loans | 21.4732% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 2.4985% | 276 |
| Noncurrent loans to loans | 4.4839% | 130 |
| Net loans and leases to total assets | 55.1858% | 4,093 |
| Net loans and leases to deposits | 61.6704% | 4,308 |
| Net loans and leases to core deposits | 66.9492% | 4,227 |
| Total domestic deposits to total assets | 89.4850% | 452 |
| Equity capital to assets | 10.1407% | 3,878 |
| Core capital (leverage) ratio | 10.1151% | 3,516 |
| Tier 1 risk-based capital ratio | 14.7064% | 2,989 |
| Total risk-based capital ratio | 15.4845% | 3,107 |
| Memoranda: | ||
| Average total assets | $32,823,500 | 5,073 |
| Average earning assets | $30,117,500 | 5,061 |
| Average equity | $3,210,500 | 5,138 |
| Average total loans | $16,633,000 | 5,011 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 3,146 |
| Cost of funding earning assets | 0.7972% | 2,658 |
| Net interest margin | 3.6630% | 3,059 |
| Noninterest income to average assets | 0.2539% | 4,238 |
| Noninterest expense to average assets | 2.9203% | 2,227 |
| Loan and lease loss provision to assets | 0.5865% | 191 |
| Net operating income to assets | 0.1028% | 5,057 |
| Return on assets (ROA) | 0.1028% | 5,067 |
| Pretax return on assets | 0.1088% | 5,067 |
| Return on Equity (ROE) | 1.0635% | 5,041 |
| Retained earnings to average equity (ytd only) | 1.0635% | 4,418 |
| Net charge-offs to loans | 2.4657% | 40 |
| Credit loss provision to net charge-offs | 48.5000% | 2,483 |
| Earnings coverage of net charge-offs (x) | 0.5750% | 3,084 |
| Efficiency ratio | 80.7692% | 903 |
| Assets per employee ($millions) | 4.0081% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 3,159 |
| Loan loss allowance to noncurrent loans | 21.7129% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 2.5854% | 280 |
| Noncurrent loans to loans | 4.9859% | 106 |
| Net loans and leases to total assets | 51.2927% | 4,400 |
| Net loans and leases to deposits | 57.1434% | 4,552 |
| Net loans and leases to core deposits | 62.6004% | 4,474 |
| Total domestic deposits to total assets | 89.7614% | 400 |
| Equity capital to assets | 9.9704% | 3,997 |
| Core capital (leverage) ratio | 9.8318% | 3,786 |
| Tier 1 risk-based capital ratio | 14.7715% | 2,930 |
| Total risk-based capital ratio | 15.6032% | 3,058 |
| Memoranda: | ||
| Average total assets | $33,078,330 | 5,109 |
| Average earning assets | $30,357,670 | 5,096 |
| Average equity | $3,197,000 | 5,177 |
| Average total loans | $16,222,670 | 5,062 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 3,654 |
| Cost of funding earning assets | 0.7759% | 2,662 |
| Net interest margin | 3.4917% | 3,612 |
| Noninterest income to average assets | 0.2739% | 4,050 |
| Noninterest expense to average assets | 3.0252% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3811% | 4,764 |
| Return on assets (ROA) | 0.3811% | 4,776 |
| Pretax return on assets | 0.4645% | 4,756 |
| Return on Equity (ROE) | 4.0038% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.0038% | 3,313 |
| Net charge-offs to loans | -0.0499% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6894% | 537 |
| Assets per employee ($millions) | 4.2043% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 533 |
| Loan loss allowance to noncurrent loans | 39.8601% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 2.1258% | 425 |
| Noncurrent loans to loans | 4.9454% | 115 |
| Net loans and leases to total assets | 42.1389% | 4,822 |
| Net loans and leases to deposits | 46.6770% | 4,910 |
| Net loans and leases to core deposits | 50.9967% | 4,862 |
| Total domestic deposits to total assets | 90.2777% | 361 |
| Equity capital to assets | 9.5528% | 4,205 |
| Core capital (leverage) ratio | 9.6091% | 4,011 |
| Tier 1 risk-based capital ratio | 17.8144% | 1,850 |
| Total risk-based capital ratio | 19.0674% | 1,806 |
| Memoranda: | ||
| Average total assets | $33,585,000 | 5,152 |
| Average earning assets | $30,930,500 | 5,139 |
| Average equity | $3,197,000 | 5,233 |
| Average total loans | $16,020,500 | 5,126 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 2,682 |
| Cost of funding earning assets | 0.7074% | 2,048 |
| Net interest margin | 3.7178% | 2,967 |
| Noninterest income to average assets | 0.3359% | 3,866 |
| Noninterest expense to average assets | 2.9993% | 2,043 |
| Loan and lease loss provision to assets | 1.2120% | 61 |
| Net operating income to assets | -0.4322% | 5,313 |
| Return on assets (ROA) | -0.4322% | 5,306 |
| Pretax return on assets | -0.4527% | 5,308 |
| Return on Equity (ROE) | -4.7131% | 5,313 |
| Retained earnings to average equity (ytd only) | -4.7131% | 5,236 |
| Net charge-offs to loans | 1.5855% | 72 |
| Credit loss provision to net charge-offs | 148.2143% | 1,853 |
| Earnings coverage of net charge-offs (x) | 0.9286% | 3,667 |
| Efficiency ratio | 79.7980% | 976 |
| Assets per employee ($millions) | 3.7262% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 1,024 |
| Loan loss allowance to noncurrent loans | 110.1563% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.7634% | 1,832 |
| Noncurrent loans to loans | 1.4560% | 1,056 |
| Net loans and leases to total assets | 51.5893% | 4,427 |
| Net loans and leases to deposits | 57.1047% | 4,614 |
| Net loans and leases to core deposits | 61.6857% | 4,555 |
| Total domestic deposits to total assets | 90.3417% | 365 |
| Equity capital to assets | 9.4853% | 4,145 |
| Core capital (leverage) ratio | 9.6059% | 3,996 |
| Tier 1 risk-based capital ratio | 16.4512% | 2,259 |
| Total risk-based capital ratio | 17.7027% | 2,190 |
| Memoranda: | ||
| Average total assets | $34,240,800 | 5,187 |
| Average earning assets | $31,523,600 | 5,175 |
| Average equity | $3,140,200 | 5,270 |
| Average total loans | $17,660,200 | 5,129 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0531% | 3,781 |
| Cost of funding earning assets | 0.6818% | 1,969 |
| Net interest margin | 3.3713% | 4,101 |
| Noninterest income to average assets | 0.3293% | 3,948 |
| Noninterest expense to average assets | 2.8590% | 2,437 |
| Loan and lease loss provision to assets | 1.6077% | 41 |
| Net operating income to assets | -1.0343% | 5,425 |
| Return on assets (ROA) | -1.0343% | 5,419 |
| Pretax return on assets | -1.0343% | 5,418 |
| Return on Equity (ROE) | -11.3735% | 5,425 |
| Retained earnings to average equity (ytd only) | -11.3735% | 5,399 |
| Net charge-offs to loans | 2.1418% | 42 |
| Credit loss provision to net charge-offs | 146.1268% | 1,745 |
| Earnings coverage of net charge-offs (x) | 0.5211% | 3,402 |
| Efficiency ratio | 83.2957% | 683 |
| Assets per employee ($millions) | 3.2860% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 1,413 |
| Loan loss allowance to noncurrent loans | 27.7168% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 3.0523% | 233 |
| Noncurrent loans to loans | 5.3391% | 107 |
| Net loans and leases to total assets | 56.3238% | 4,187 |
| Net loans and leases to deposits | 62.3858% | 4,429 |
| Net loans and leases to core deposits | 67.4908% | 4,323 |
| Total domestic deposits to total assets | 90.2830% | 417 |
| Equity capital to assets | 9.3214% | 4,253 |
| Core capital (leverage) ratio | 9.2242% | 4,490 |
| Tier 1 risk-based capital ratio | 15.5230% | 2,644 |
| Total risk-based capital ratio | 16.7748% | 2,574 |
| Memoranda: | ||
| Average total assets | $34,417,000 | 5,253 |
| Average earning assets | $31,678,500 | 5,240 |
| Average equity | $3,130,000 | 5,341 |
| Average total loans | $17,679,500 | 5,190 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7053% | 4,569 |
| Cost of funding earning assets | 0.6403% | 1,987 |
| Net interest margin | 3.0650% | 4,788 |
| Noninterest income to average assets | 0.3311% | 3,970 |
| Noninterest expense to average assets | 2.7286% | 2,913 |
| Loan and lease loss provision to assets | 1.5127% | 47 |
| Net operating income to assets | -1.0960% | 5,479 |
| Return on assets (ROA) | -1.0960% | 5,472 |
| Pretax return on assets | -1.0960% | 5,469 |
| Return on Equity (ROE) | -11.8057% | 5,479 |
| Retained earnings to average equity (ytd only) | -11.8057% | 5,435 |
| Net charge-offs to loans | 3.4661% | 26 |
| Credit loss provision to net charge-offs | 88.3333% | 2,176 |
| Earnings coverage of net charge-offs (x) | 0.2433% | 3,134 |
| Efficiency ratio | 86.7514% | 533 |
| Assets per employee ($millions) | 3.7603% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6382% | 5,041 |
| Loan loss allowance to noncurrent loans | 5.2410% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 6.3145% | 52 |
| Noncurrent loans to loans | 12.1766% | 19 |
| Net loans and leases to total assets | 51.5262% | 4,504 |
| Net loans and leases to deposits | 56.9962% | 4,701 |
| Net loans and leases to core deposits | 61.4967% | 4,628 |
| Total domestic deposits to total assets | 90.4027% | 431 |
| Equity capital to assets | 9.2693% | 4,317 |
| Core capital (leverage) ratio | 9.0310% | 4,665 |
| Tier 1 risk-based capital ratio | 16.5454% | 2,247 |
| Total risk-based capital ratio | 17.1361% | 2,423 |
| Memoranda: | ||
| Average total assets | $35,036,330 | 5,304 |
| Average earning assets | $32,170,000 | 5,293 |
| Average equity | $3,252,670 | 5,392 |
| Average total loans | $17,310,670 | 5,260 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6513% | 4,590 |
| Cost of funding earning assets | 0.6126% | 1,959 |
| Net interest margin | 3.0387% | 4,820 |
| Noninterest income to average assets | 0.3143% | 4,052 |
| Noninterest expense to average assets | 2.7278% | 2,950 |
| Loan and lease loss provision to assets | 0.7858% | 115 |
| Net operating income to assets | 1.8185% | 544 |
| Return on assets (ROA) | 1.8185% | 548 |
| Pretax return on assets | -0.4153% | 5,484 |
| Return on Equity (ROE) | 20.1806% | 236 |
| Retained earnings to average equity (ytd only) | 20.1806% | 100 |
| Net charge-offs to loans | 0.9075% | 155 |
| Credit loss provision to net charge-offs | 179.4872% | 1,120 |
| Earnings coverage of net charge-offs (x) | 0.8462% | 2,609 |
| Efficiency ratio | 88.0435% | 539 |
| Assets per employee ($millions) | 4.4684% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,546 |
| Loan loss allowance to noncurrent loans | 13.6680% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 3.6227% | 197 |
| Noncurrent loans to loans | 9.1095% | 33 |
| Net loans and leases to total assets | 39.2732% | 5,097 |
| Net loans and leases to deposits | 43.3664% | 5,175 |
| Net loans and leases to core deposits | 46.9485% | 5,123 |
| Total domestic deposits to total assets | 90.5614% | 454 |
| Equity capital to assets | 9.2092% | 4,355 |
| Core capital (leverage) ratio | 9.1761% | 4,470 |
| Tier 1 risk-based capital ratio | 18.3041% | 1,743 |
| Total risk-based capital ratio | 19.2883% | 1,772 |
| Memoranda: | ||
| Average total assets | $35,633,000 | 5,352 |
| Average earning assets | $32,645,500 | 5,340 |
| Average equity | $3,211,000 | 5,452 |
| Average total loans | $17,191,000 | 5,323 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9938% | 3,422 |
| Cost of funding earning assets | 0.5463% | 1,981 |
| Net interest margin | 3.4475% | 3,693 |
| Noninterest income to average assets | 0.3193% | 4,179 |
| Noninterest expense to average assets | 2.5946% | 3,464 |
| Loan and lease loss provision to assets | 0.6037% | 210 |
| Net operating income to assets | 0.1708% | 5,161 |
| Return on assets (ROA) | 0.1690% | 5,172 |
| Pretax return on assets | 0.2844% | 5,221 |
| Return on Equity (ROE) | 1.9985% | 5,057 |
| Retained earnings to average equity (ytd only) | 1.9985% | 4,124 |
| Net charge-offs to loans | 1.2953% | 127 |
| Credit loss provision to net charge-offs | 84.2697% | 2,878 |
| Earnings coverage of net charge-offs (x) | 1.2434% | 3,912 |
| Efficiency ratio | 74.4419% | 1,836 |
| Assets per employee ($millions) | 4.4399% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 5,019 |
| Loan loss allowance to noncurrent loans | 14.0115% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 2.9336% | 281 |
| Noncurrent loans to loans | 5.1671% | 127 |
| Net loans and leases to total assets | 56.3642% | 4,153 |
| Net loans and leases to deposits | 62.2010% | 4,427 |
| Net loans and leases to core deposits | 65.1523% | 4,465 |
| Total domestic deposits to total assets | 90.6163% | 359 |
| Equity capital to assets | 8.8122% | 4,890 |
| Core capital (leverage) ratio | 8.8254% | 4,835 |
| Tier 1 risk-based capital ratio | 15.5528% | 2,605 |
| Total risk-based capital ratio | 16.2783% | 2,768 |
| Memoranda: | ||
| Average total assets | $37,270,400 | 5,372 |
| Average earning assets | $34,227,800 | 5,361 |
| Average equity | $3,152,400 | 5,517 |
| Average total loans | $20,613,200 | 5,296 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 3,316 |
| Cost of funding earning assets | 0.5331% | 2,007 |
| Net interest margin | 3.4782% | 3,575 |
| Noninterest income to average assets | 0.3112% | 4,301 |
| Noninterest expense to average assets | 2.4397% | 3,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7521% | 3,728 |
| Return on assets (ROA) | 0.7496% | 3,799 |
| Pretax return on assets | 1.0749% | 3,403 |
| Return on Equity (ROE) | 8.9506% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.9506% | 859 |
| Net charge-offs to loans | 0.3602% | 584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 5.4468% | 3,108 |
| Efficiency ratio | 69.3467% | 2,644 |
| Assets per employee ($millions) | 4.3389% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6087% | 5,308 |
| Loan loss allowance to noncurrent loans | 10.4549% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 3.6098% | 203 |
| Noncurrent loans to loans | 5.8225% | 110 |
| Net loans and leases to total assets | 61.6202% | 3,699 |
| Net loans and leases to deposits | 68.7086% | 4,065 |
| Net loans and leases to core deposits | 72.8037% | 4,082 |
| Total domestic deposits to total assets | 89.6834% | 583 |
| Equity capital to assets | 9.4466% | 4,492 |
| Core capital (leverage) ratio | 9.4186% | 4,266 |
| Tier 1 risk-based capital ratio | 13.8156% | 3,525 |
| Total risk-based capital ratio | 14.3676% | 3,835 |
| Memoranda: | ||
| Average total assets | $37,708,250 | 5,425 |
| Average earning assets | $34,767,500 | 5,416 |
| Average equity | $3,158,000 | 5,579 |
| Average total loans | $20,725,000 | 5,351 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4601% | 4,852 |
| Cost of funding earning assets | 0.5207% | 2,008 |
| Net interest margin | 2.9394% | 5,020 |
| Noninterest income to average assets | 0.3255% | 4,219 |
| Noninterest expense to average assets | 2.3871% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5261% | 4,626 |
| Return on assets (ROA) | 0.5219% | 4,679 |
| Pretax return on assets | 0.6459% | 4,700 |
| Return on Equity (ROE) | 6.4792% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.4792% | 1,860 |
| Net charge-offs to loans | 0.0196% | 2,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 919 |
| Efficiency ratio | 78.5714% | 1,386 |
| Assets per employee ($millions) | 4.4441% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 4,757 |
| Loan loss allowance to noncurrent loans | 29.5707% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.7692% | 789 |
| Noncurrent loans to loans | 2.9357% | 445 |
| Net loans and leases to total assets | 59.7418% | 3,868 |
| Net loans and leases to deposits | 66.1950% | 4,211 |
| Net loans and leases to core deposits | 70.6516% | 4,186 |
| Total domestic deposits to total assets | 90.2512% | 444 |
| Equity capital to assets | 8.9106% | 4,977 |
| Core capital (leverage) ratio | 8.5707% | 5,169 |
| Tier 1 risk-based capital ratio | 15.5325% | 2,693 |
| Total risk-based capital ratio | 16.4444% | 2,779 |
| Memoranda: | ||
| Average total assets | $38,707,330 | 5,450 |
| Average earning assets | $35,721,670 | 5,438 |
| Average equity | $3,117,670 | 5,629 |
| Average total loans | $20,460,000 | 5,396 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3363% | 5,052 |
| Cost of funding earning assets | 0.4843% | 2,217 |
| Net interest margin | 2.8520% | 5,160 |
| Noninterest income to average assets | 0.3277% | 4,201 |
| Noninterest expense to average assets | 2.3632% | 4,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5239% | 4,497 |
| Return on assets (ROA) | 0.5064% | 4,602 |
| Pretax return on assets | 0.5759% | 4,786 |
| Return on Equity (ROE) | 6.5966% | 3,607 |
| Retained earnings to average equity (ytd only) | 6.5966% | 2,027 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8658% | 1,400 |
| Assets per employee ($millions) | 4.8860% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 3,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 44.3896% | 5,015 |
| Net loans and leases to deposits | 48.6254% | 5,190 |
| Net loans and leases to core deposits | 51.4439% | 5,165 |
| Total domestic deposits to total assets | 91.2889% | 216 |
| Equity capital to assets | 7.9769% | 5,532 |
| Core capital (leverage) ratio | 7.7717% | 5,641 |
| Tier 1 risk-based capital ratio | 15.9488% | 2,572 |
| Total risk-based capital ratio | 16.9105% | 2,623 |
| Memoranda: | ||
| Average total assets | $40,284,500 | 5,495 |
| Average earning assets | $37,166,500 | 5,480 |
| Average equity | $3,092,500 | 5,690 |
| Average total loans | $19,977,000 | 5,465 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 3,036 |
| Cost of funding earning assets | 0.5168% | 1,962 |
| Net interest margin | 3.5300% | 3,318 |
| Noninterest income to average assets | 0.4530% | 3,521 |
| Noninterest expense to average assets | 2.5106% | 3,972 |
| Loan and lease loss provision to assets | 0.1969% | 1,185 |
| Net operating income to assets | 0.7119% | 3,732 |
| Return on assets (ROA) | 0.7119% | 3,846 |
| Pretax return on assets | 1.0059% | 3,457 |
| Return on Equity (ROE) | 9.0349% | 2,402 |
| Retained earnings to average equity (ytd only) | 9.0349% | 582 |
| Net charge-offs to loans | 0.1126% | 2,139 |
| Credit loss provision to net charge-offs | 304.1667% | 972 |
| Earnings coverage of net charge-offs (x) | 18.5833% | 1,960 |
| Efficiency ratio | 67.6107% | 3,321 |
| Assets per employee ($millions) | 5.1851% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 53.5836% | 4,474 |
| Net loans and leases to deposits | 58.2789% | 4,770 |
| Net loans and leases to core deposits | 62.1908% | 4,747 |
| Total domestic deposits to total assets | 91.9433% | 108 |
| Equity capital to assets | 7.3937% | 5,738 |
| Core capital (leverage) ratio | 7.7284% | 5,701 |
| Tier 1 risk-based capital ratio | 13.9498% | 3,491 |
| Total risk-based capital ratio | 14.8049% | 3,644 |
| Memoranda: | ||
| Average total assets | $37,082,400 | 5,592 |
| Average earning assets | $34,249,200 | 5,582 |
| Average equity | $2,922,000 | 5,765 |
| Average total loans | $21,310,400 | 5,474 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 3,659 |
| Cost of funding earning assets | 0.4798% | 2,266 |
| Net interest margin | 3.3985% | 3,842 |
| Noninterest income to average assets | 0.4928% | 3,304 |
| Noninterest expense to average assets | 2.3752% | 4,340 |
| Loan and lease loss provision to assets | 0.2705% | 659 |
| Net operating income to assets | 0.7337% | 3,678 |
| Return on assets (ROA) | 0.7337% | 3,814 |
| Pretax return on assets | 0.9967% | 3,645 |
| Return on Equity (ROE) | 9.1481% | 2,426 |
| Retained earnings to average equity (ytd only) | 9.1481% | 774 |
| Net charge-offs to loans | 0.1268% | 1,690 |
| Credit loss provision to net charge-offs | 365.0000% | 903 |
| Earnings coverage of net charge-offs (x) | 17.0975% | 2,070 |
| Efficiency ratio | 65.2085% | 3,730 |
| Assets per employee ($millions) | 4.6811% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7255% | 5,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 69.7856% | 2,524 |
| Net loans and leases to deposits | 76.4510% | 3,356 |
| Net loans and leases to core deposits | 82.4052% | 3,253 |
| Total domestic deposits to total assets | 91.2815% | 145 |
| Equity capital to assets | 8.0136% | 5,732 |
| Core capital (leverage) ratio | 7.8920% | 5,726 |
| Tier 1 risk-based capital ratio | 10.2560% | 5,717 |
| Total risk-based capital ratio | 10.9087% | 5,839 |
| Memoranda: | ||
| Average total assets | $35,982,750 | 5,678 |
| Average earning assets | $33,347,750 | 5,659 |
| Average equity | $2,885,750 | 5,831 |
| Average total loans | $21,034,250 | 5,535 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4326% | 5,016 |
| Cost of funding earning assets | 0.4321% | 2,719 |
| Net interest margin | 3.0005% | 5,080 |
| Noninterest income to average assets | 0.5466% | 2,922 |
| Noninterest expense to average assets | 2.3891% | 4,366 |
| Loan and lease loss provision to assets | 0.2817% | 653 |
| Net operating income to assets | 0.4564% | 4,845 |
| Return on assets (ROA) | 0.4564% | 4,936 |
| Pretax return on assets | 0.6536% | 4,753 |
| Return on Equity (ROE) | 5.6895% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.6895% | 2,310 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8644% | 2,679 |
| Assets per employee ($millions) | 4.7585% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8147% | 5,238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 60.4445% | 3,822 |
| Net loans and leases to deposits | 65.7993% | 4,362 |
| Net loans and leases to core deposits | 70.9113% | 4,256 |
| Total domestic deposits to total assets | 91.8619% | 97 |
| Equity capital to assets | 7.5733% | 5,901 |
| Core capital (leverage) ratio | 7.9164% | 5,773 |
| Tier 1 risk-based capital ratio | 10.7426% | 5,558 |
| Total risk-based capital ratio | 11.4469% | 5,725 |
| Memoranda: | ||
| Average total assets | $35,494,000 | 5,752 |
| Average earning assets | $32,861,330 | 5,737 |
| Average equity | $2,847,330 | 5,906 |
| Average total loans | $19,270,670 | 5,660 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1233% | 5,582 |
| Cost of funding earning assets | 0.3920% | 3,168 |
| Net interest margin | 2.7313% | 5,570 |
| Noninterest income to average assets | 0.7484% | 1,823 |
| Noninterest expense to average assets | 2.5843% | 3,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6198% | 4,095 |
| Return on assets (ROA) | 0.6198% | 4,215 |
| Pretax return on assets | 0.6899% | 4,556 |
| Return on Equity (ROE) | 7.4925% | 3,189 |
| Retained earnings to average equity (ytd only) | 7.4925% | 1,665 |
| Net charge-offs to loans | 0.1156% | 1,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.8000% | 1,842 |
| Efficiency ratio | 78.9286% | 1,764 |
| Assets per employee ($millions) | 4.1470% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 5,229 |
| 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 | 47.1365% | 5,037 |
| Net loans and leases to deposits | 51.9224% | 5,235 |
| Net loans and leases to core deposits | 54.6229% | 5,205 |
| Total domestic deposits to total assets | 90.7825% | 334 |
| Equity capital to assets | 8.6086% | 5,484 |
| Core capital (leverage) ratio | 8.5038% | 5,390 |
| Tier 1 risk-based capital ratio | 13.3371% | 4,075 |
| Total risk-based capital ratio | 13.9628% | 4,363 |
| Memoranda: | ||
| Average total assets | $34,207,000 | 5,833 |
| Average earning assets | $31,633,500 | 5,821 |
| Average equity | $2,829,500 | 5,960 |
| Average total loans | $17,306,500 | 5,778 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5142% | 4,884 |
| Cost of funding earning assets | 0.4112% | 3,040 |
| Net interest margin | 3.1030% | 4,892 |
| Noninterest income to average assets | 0.3664% | 4,287 |
| Noninterest expense to average assets | 2.6832% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4376% | 4,928 |
| Return on assets (ROA) | 0.4137% | 5,092 |
| Pretax return on assets | 0.5083% | 5,092 |
| Return on Equity (ROE) | 5.1676% | 4,417 |
| Retained earnings to average equity (ytd only) | 4.9830% | 2,431 |
| Net charge-offs to loans | 0.1164% | 2,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 9.1000% | 2,864 |
| Efficiency ratio | 83.3028% | 1,246 |
| Assets per employee ($millions) | 4.4048% | 3,206 |
| Cash dividends to net income (ytd only)* | 3.5714% | 4,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7378% | 5,564 |
| 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 | 53.0734% | 4,591 |
| Net loans and leases to deposits | 58.0141% | 4,909 |
| Net loans and leases to core deposits | 61.3080% | 4,908 |
| Total domestic deposits to total assets | 91.4836% | 180 |
| Equity capital to assets | 7.9545% | 5,868 |
| Core capital (leverage) ratio | 8.4129% | 5,513 |
| Tier 1 risk-based capital ratio | 12.9571% | 4,355 |
| Total risk-based capital ratio | 13.5996% | 4,625 |
| Memoranda: | ||
| Average total assets | $33,840,800 | 5,893 |
| Average earning assets | $31,131,200 | 5,877 |
| Average equity | $2,709,200 | 6,030 |
| Average total loans | $17,183,600 | 5,824 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3702% | 5,276 |
| Cost of funding earning assets | 0.4115% | 3,105 |
| Net interest margin | 2.9586% | 5,289 |
| Noninterest income to average assets | 0.3702% | 4,283 |
| Noninterest expense to average assets | 2.4603% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5143% | 4,739 |
| Return on assets (ROA) | 0.4817% | 4,952 |
| Pretax return on assets | 0.5892% | 4,999 |
| Return on Equity (ROE) | 6.0069% | 4,148 |
| Retained earnings to average equity (ytd only) | 6.0069% | 2,242 |
| Net charge-offs to loans | 0.1590% | 1,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 7.8988% | 2,865 |
| Efficiency ratio | 79.6392% | 1,715 |
| Assets per employee ($millions) | 3.9269% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6766% | 5,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 64.9562% | 3,164 |
| Net loans and leases to deposits | 71.8876% | 3,783 |
| Net loans and leases to core deposits | 74.9311% | 3,915 |
| Total domestic deposits to total assets | 90.3581% | 444 |
| Equity capital to assets | 8.8779% | 5,419 |
| Core capital (leverage) ratio | 8.7512% | 5,299 |
| Tier 1 risk-based capital ratio | 12.7456% | 4,580 |
| Total risk-based capital ratio | 13.3809% | 4,913 |
| Memoranda: | ||
| Average total assets | $33,491,500 | 5,980 |
| Average earning assets | $30,779,000 | 5,964 |
| Average equity | $2,685,750 | 6,117 |
| Average total loans | $16,769,250 | 5,914 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9786% | 5,880 |
| Cost of funding earning assets | 0.4065% | 3,205 |
| Net interest margin | 2.5722% | 5,910 |
| Noninterest income to average assets | 0.3335% | 4,570 |
| Noninterest expense to average assets | 2.4515% | 4,391 |
| Loan and lease loss provision to assets | 0.4915% | 203 |
| Net operating income to assets | -0.2574% | 6,125 |
| Return on assets (ROA) | -0.3159% | 6,155 |
| Pretax return on assets | -0.2984% | 6,138 |
| Return on Equity (ROE) | -4.0734% | 6,178 |
| Retained earnings to average equity (ytd only) | -4.0734% | 5,979 |
| Net charge-offs to loans | 0.0129% | 3,471 |
| Credit loss provision to net charge-offs | 8,400.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,072 |
| Efficiency ratio | 90.6926% | 705 |
| Assets per employee ($millions) | 4.1309% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 3,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 54.0382% | 4,551 |
| Net loans and leases to deposits | 59.0796% | 4,929 |
| Net loans and leases to core deposits | 62.2295% | 4,931 |
| Total domestic deposits to total assets | 91.4667% | 186 |
| Equity capital to assets | 7.9130% | 6,017 |
| Core capital (leverage) ratio | 7.6299% | 6,059 |
| Tier 1 risk-based capital ratio | 12.4340% | 4,856 |
| Total risk-based capital ratio | 13.5847% | 4,814 |
| Memoranda: | ||
| Average total assets | $34,183,670 | 6,031 |
| Average earning assets | $31,491,000 | 6,012 |
| Average equity | $2,651,330 | 6,186 |
| Average total loans | $15,510,670 | 6,018 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7313% | 6,109 |
| Cost of funding earning assets | 0.3866% | 3,448 |
| Net interest margin | 2.3447% | 6,133 |
| Noninterest income to average assets | 0.3683% | 4,268 |
| Noninterest expense to average assets | 2.4747% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0230% | 5,984 |
| Return on assets (ROA) | 0.0230% | 6,024 |
| Pretax return on assets | 0.0576% | 5,990 |
| Return on Equity (ROE) | 0.2997% | 6,012 |
| Retained earnings to average equity (ytd only) | 0.2997% | 5,274 |
| Net charge-offs to loans | 0.0563% | 2,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 2,742 |
| Efficiency ratio | 97.7273% | 442 |
| Assets per employee ($millions) | 4.3693% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 3,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 36.9743% | 5,775 |
| Net loans and leases to deposits | 40.3119% | 5,903 |
| Net loans and leases to core deposits | 42.3307% | 5,896 |
| Total domestic deposits to total assets | 91.7205% | 188 |
| Equity capital to assets | 7.6386% | 6,143 |
| Core capital (leverage) ratio | 7.4928% | 6,140 |
| Tier 1 risk-based capital ratio | 13.9849% | 4,033 |
| Total risk-based capital ratio | 14.8072% | 4,212 |
| Memoranda: | ||
| Average total assets | $34,752,000 | 6,083 |
| Average earning assets | $32,072,500 | 6,056 |
| Average equity | $2,669,500 | 6,246 |
| Average total loans | $14,216,000 | 6,105 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1872% | 5,850 |
| Cost of funding earning assets | 0.4317% | 3,366 |
| Net interest margin | 2.7555% | 5,867 |
| Noninterest income to average assets | 0.3643% | 4,486 |
| Noninterest expense to average assets | 2.4375% | 4,735 |
| Loan and lease loss provision to assets | -0.0592% | 6,063 |
| Net operating income to assets | 0.4383% | 5,074 |
| Return on assets (ROA) | 0.4383% | 5,166 |
| Pretax return on assets | 0.5005% | 5,252 |
| Return on Equity (ROE) | 5.7387% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.0795% | 2,542 |
| Net charge-offs to loans | -0.0421% | 5,874 |
| Credit loss provision to net charge-offs | 333.3333% | 786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6708% | 1,326 |
| Assets per employee ($millions) | 4.3188% | 3,331 |
| Cash dividends to net income (ytd only)* | 11.4865% | 4,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 4,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 43.9711% | 5,467 |
| Net loans and leases to deposits | 47.9576% | 5,688 |
| Net loans and leases to core deposits | 49.4419% | 5,738 |
| Total domestic deposits to total assets | 91.6874% | 189 |
| Equity capital to assets | 7.7250% | 6,170 |
| Core capital (leverage) ratio | 8.1310% | 5,904 |
| Tier 1 risk-based capital ratio | 14.3975% | 3,835 |
| Total risk-based capital ratio | 15.2552% | 4,016 |
| Memoranda: | ||
| Average total assets | $33,764,400 | 6,178 |
| Average earning assets | $30,810,800 | 6,166 |
| Average equity | $2,579,000 | 6,338 |
| Average total loans | $14,247,200 | 6,179 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0463% | 6,086 |
| Cost of funding earning assets | 0.4315% | 3,449 |
| Net interest margin | 2.6148% | 6,118 |
| Noninterest income to average assets | 0.3813% | 4,390 |
| Noninterest expense to average assets | 2.3752% | 4,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3654% | 5,380 |
| Return on assets (ROA) | 0.3654% | 5,453 |
| Pretax return on assets | 0.3892% | 5,604 |
| Return on Equity (ROE) | 4.7980% | 4,819 |
| Retained earnings to average equity (ytd only) | 3.9116% | 3,862 |
| Net charge-offs to loans | -0.0477% | 5,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9195% | 1,189 |
| Assets per employee ($millions) | 3.9134% | 4,059 |
| Cash dividends to net income (ytd only)* | 18.4820% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 5,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 58.2745% | 4,033 |
| Net loans and leases to deposits | 64.0432% | 4,532 |
| Net loans and leases to core deposits | 66.8646% | 4,620 |
| Total domestic deposits to total assets | 90.9924% | 362 |
| Equity capital to assets | 8.3464% | 5,907 |
| Core capital (leverage) ratio | 8.3852% | 5,773 |
| Tier 1 risk-based capital ratio | 13.2606% | 4,689 |
| Total risk-based capital ratio | 14.1639% | 4,831 |
| Memoranda: | ||
| Average total assets | $33,568,000 | 6,262 |
| Average earning assets | $30,593,750 | 6,246 |
| Average equity | $2,556,500 | 6,413 |
| Average total loans | $13,971,250 | 6,261 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6732% | 6,411 |
| Cost of funding earning assets | 0.4295% | 3,556 |
| Net interest margin | 2.2437% | 6,432 |
| Noninterest income to average assets | 0.3555% | 4,580 |
| Noninterest expense to average assets | 2.3600% | 4,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0699% | 6,101 |
| Return on assets (ROA) | 0.0699% | 6,122 |
| Pretax return on assets | 0.0350% | 6,167 |
| Return on Equity (ROE) | 0.9457% | 6,066 |
| Retained earnings to average equity (ytd only) | 0.6305% | 5,480 |
| Net charge-offs to loans | -0.0801% | 6,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5401% | 444 |
| Assets per employee ($millions) | 4.0458% | 3,744 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 4,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 46.5550% | 5,308 |
| Net loans and leases to deposits | 50.8350% | 5,571 |
| Net loans and leases to core deposits | 53.1687% | 5,603 |
| Total domestic deposits to total assets | 91.5807% | 242 |
| Equity capital to assets | 7.8694% | 6,227 |
| Core capital (leverage) ratio | 7.6189% | 6,268 |
| Tier 1 risk-based capital ratio | 14.3018% | 4,060 |
| Total risk-based capital ratio | 15.2956% | 4,161 |
| Memoranda: | ||
| Average total assets | $34,321,670 | 6,302 |
| Average earning assets | $31,199,000 | 6,293 |
| Average equity | $2,537,670 | 6,471 |
| Average total loans | $12,487,670 | 6,370 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3785% | 6,579 |
| Cost of funding earning assets | 0.4006% | 3,961 |
| Net interest margin | 1.9779% | 6,594 |
| Noninterest income to average assets | 0.3286% | 4,744 |
| Noninterest expense to average assets | 2.2663% | 5,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1246% | 6,300 |
| Return on assets (ROA) | -0.1246% | 6,310 |
| Pretax return on assets | -0.1473% | 6,314 |
| Return on Equity (ROE) | -1.7371% | 6,346 |
| Retained earnings to average equity (ytd only) | -1.7371% | 5,829 |
| Net charge-offs to loans | -0.0720% | 5,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9519% | 318 |
| Assets per employee ($millions) | 4.3699% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 2,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 30.0209% | 6,351 |
| Net loans and leases to deposits | 32.5215% | 6,418 |
| Net loans and leases to core deposits | 34.3333% | 6,402 |
| Total domestic deposits to total assets | 92.3110% | 194 |
| Equity capital to assets | 7.2285% | 6,397 |
| Core capital (leverage) ratio | 7.1193% | 6,446 |
| Tier 1 risk-based capital ratio | 16.0659% | 3,144 |
| Total risk-based capital ratio | 17.1785% | 3,158 |
| Memoranda: | ||
| Average total assets | $35,299,500 | 6,349 |
| Average earning assets | $31,952,500 | 6,339 |
| Average equity | $2,533,000 | 6,530 |
| Average total loans | $11,109,000 | 6,481 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7175% | 6,537 |
| Cost of funding earning assets | 0.4892% | 3,721 |
| Net interest margin | 2.2283% | 6,562 |
| Noninterest income to average assets | 0.3068% | 5,146 |
| Noninterest expense to average assets | 2.1271% | 5,775 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2605% | 5,656 |
| Return on assets (ROA) | 0.1678% | 5,963 |
| Pretax return on assets | 0.1302% | 6,047 |
| Return on Equity (ROE) | 2.2887% | 5,739 |
| Retained earnings to average equity (ytd only) | 1.6179% | 5,066 |
| Net charge-offs to loans | 0.0256% | 4,911 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,319 |
| Efficiency ratio | 90.5172% | 983 |
| Assets per employee ($millions) | 4.4550% | 2,982 |
| Cash dividends to net income (ytd only)* | 29.3103% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 3,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 31.9164% | 6,388 |
| Net loans and leases to deposits | 34.5409% | 6,474 |
| Net loans and leases to core deposits | 35.8482% | 6,477 |
| Total domestic deposits to total assets | 92.4018% | 215 |
| Equity capital to assets | 7.1240% | 6,424 |
| Core capital (leverage) ratio | 7.5089% | 6,366 |
| Tier 1 risk-based capital ratio | 15.2667% | 3,504 |
| Total risk-based capital ratio | 16.3069% | 3,576 |
| Memoranda: | ||
| Average total assets | $34,554,800 | 6,427 |
| Average earning assets | $31,684,000 | 6,406 |
| Average equity | $2,534,200 | 6,622 |
| Average total loans | $11,701,200 | 6,529 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6631% | 6,637 |
| Cost of funding earning assets | 0.5107% | 3,668 |
| Net interest margin | 2.1524% | 6,673 |
| Noninterest income to average assets | 0.5406% | 3,518 |
| Noninterest expense to average assets | 2.0923% | 5,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4278% | 5,122 |
| Return on assets (ROA) | 0.4278% | 5,269 |
| Pretax return on assets | 0.4317% | 5,548 |
| Return on Equity (ROE) | 5.7900% | 4,292 |
| Retained earnings to average equity (ytd only) | 4.8954% | 3,155 |
| Net charge-offs to loans | 0.0454% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 27.7674% | 1,299 |
| Efficiency ratio | 82.8968% | 1,719 |
| Assets per employee ($millions) | 4.0021% | 3,825 |
| Cash dividends to net income (ytd only)* | 15.4575% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 4,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 42.2307% | 5,886 |
| Net loans and leases to deposits | 46.2699% | 6,079 |
| Net loans and leases to core deposits | 48.2514% | 6,112 |
| Total domestic deposits to total assets | 91.2703% | 435 |
| Equity capital to assets | 8.0895% | 6,084 |
| Core capital (leverage) ratio | 8.1959% | 6,066 |
| Tier 1 risk-based capital ratio | 15.6184% | 3,389 |
| Total risk-based capital ratio | 16.6556% | 3,471 |
| Memoranda: | ||
| Average total assets | $34,283,500 | 6,498 |
| Average earning assets | $31,591,250 | 6,478 |
| Average equity | $2,533,000 | 6,700 |
| Average total loans | $11,739,500 | 6,600 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3961% | 6,772 |
| Cost of funding earning assets | 0.5236% | 3,668 |
| Net interest margin | 1.8725% | 6,798 |
| Noninterest income to average assets | 0.6279% | 3,028 |
| Noninterest expense to average assets | 2.1005% | 5,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3368% | 5,461 |
| Return on assets (ROA) | 0.3368% | 5,626 |
| Pretax return on assets | 0.2626% | 5,974 |
| Return on Equity (ROE) | 4.6937% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.6937% | 3,267 |
| Net charge-offs to loans | 0.1984% | 2,573 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.1818% | 3,197 |
| Efficiency ratio | 88.8889% | 1,141 |
| Assets per employee ($millions) | 4.0383% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 4,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 36.0738% | 6,295 |
| Net loans and leases to deposits | 39.4142% | 6,431 |
| Net loans and leases to core deposits | 41.7901% | 6,410 |
| Total domestic deposits to total assets | 91.5248% | 371 |
| Equity capital to assets | 7.9118% | 6,259 |
| Core capital (leverage) ratio | 7.5922% | 6,420 |
| Tier 1 risk-based capital ratio | 15.7729% | 3,328 |
| Total risk-based capital ratio | 16.7911% | 3,411 |
| Memoranda: | ||
| Average total assets | $35,039,000 | 6,530 |
| Average earning assets | $32,469,330 | 6,503 |
| Average equity | $2,514,000 | 6,749 |
| Average total loans | $11,088,330 | 6,667 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1966% | 6,892 |
| Cost of funding earning assets | 0.5314% | 3,762 |
| Net interest margin | 1.6651% | 6,915 |
| Noninterest income to average assets | 0.3736% | 4,682 |
| Noninterest expense to average assets | 2.1096% | 5,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0879% | 6,429 |
| Return on assets (ROA) | -0.0879% | 6,484 |
| Pretax return on assets | -0.1868% | 6,540 |
| Return on Equity (ROE) | -1.2836% | 6,517 |
| Retained earnings to average equity (ytd only) | -1.2836% | 5,992 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7143% | 328 |
| Assets per employee ($millions) | 4.4319% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9019% | 2,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 25.6043% | 6,738 |
| Net loans and leases to deposits | 27.6676% | 6,788 |
| Net loans and leases to core deposits | 29.4444% | 6,776 |
| Total domestic deposits to total assets | 92.5427% | 170 |
| Equity capital to assets | 7.0202% | 6,707 |
| Core capital (leverage) ratio | 6.7374% | 6,704 |
| Tier 1 risk-based capital ratio | 13.9401% | 4,551 |
| Total risk-based capital ratio | 14.9258% | 4,706 |
| Memoranda: | ||
| Average total assets | $36,405,500 | 6,564 |
| Average earning assets | $33,871,000 | 6,530 |
| Average equity | $2,493,000 | 6,814 |
| Average total loans | $10,723,000 | 6,742 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1533% | 6,687 |
| Cost of funding earning assets | 0.7876% | 2,761 |
| Net interest margin | 2.3657% | 6,804 |
| Noninterest income to average assets | 0.3714% | 4,819 |
| Noninterest expense to average assets | 2.4449% | 5,274 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1941% | 5,796 |
| Return on assets (ROA) | 0.1941% | 5,971 |
| Pretax return on assets | 0.1322% | 6,098 |
| Return on Equity (ROE) | 2.8369% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.0969% | 4,754 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8690% | 757 |
| Assets per employee ($millions) | 4.6695% | 2,680 |
| Cash dividends to net income (ytd only)* | 26.0870% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 3,968 |
| Loan loss allowance to noncurrent loans | 47.4394% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 0.9931% | 4,047 |
| Noncurrent loans to loans | 3.0430% | 1,709 |
| Net loans and leases to total assets | 32.1662% | 6,618 |
| Net loans and leases to deposits | 34.6442% | 6,723 |
| Net loans and leases to core deposits | 36.6990% | 6,709 |
| Total domestic deposits to total assets | 92.8472% | 147 |
| Equity capital to assets | 6.6843% | 6,820 |
| Core capital (leverage) ratio | 7.0277% | 6,693 |
| Tier 1 risk-based capital ratio | 13.4995% | 4,752 |
| Total risk-based capital ratio | 14.4510% | 4,909 |
| Memoranda: | ||
| Average total assets | $35,543,600 | 6,615 |
| Average earning assets | $33,139,600 | 6,580 |
| Average equity | $2,432,200 | 6,895 |
| Average total loans | $13,036,200 | 6,738 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1394% | 6,834 |
| Cost of funding earning assets | 0.8551% | 2,500 |
| Net interest margin | 2.2843% | 6,948 |
| Noninterest income to average assets | 0.3762% | 4,813 |
| Noninterest expense to average assets | 2.4773% | 5,157 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1178% | 6,097 |
| Return on assets (ROA) | 0.1178% | 6,232 |
| Pretax return on assets | 0.0304% | 6,364 |
| Return on Equity (ROE) | 1.7107% | 6,099 |
| Retained earnings to average equity (ytd only) | 0.6623% | 5,888 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7879% | 573 |
| Assets per employee ($millions) | 4.3730% | 3,120 |
| Cash dividends to net income (ytd only)* | 61.2872% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 6,034 |
| Loan loss allowance to noncurrent loans | 37.6874% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 1.3349% | 3,629 |
| Noncurrent loans to loans | 2.6824% | 2,114 |
| Net loans and leases to total assets | 49.2625% | 5,409 |
| Net loans and leases to deposits | 53.3214% | 5,865 |
| Net loans and leases to core deposits | 56.7281% | 5,835 |
| Total domestic deposits to total assets | 92.3879% | 161 |
| Equity capital to assets | 7.0261% | 6,877 |
| Core capital (leverage) ratio | 7.1578% | 6,762 |
| Tier 1 risk-based capital ratio | 12.2325% | 5,816 |
| Total risk-based capital ratio | 13.1084% | 6,003 |
| Memoranda: | ||
| Average total assets | $35,090,500 | 6,716 |
| Average earning assets | $32,744,000 | 6,673 |
| Average equity | $2,416,000 | 6,987 |
| Average total loans | $13,247,250 | 6,817 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7884% | 7,046 |
| Cost of funding earning assets | 0.9315% | 2,174 |
| Net interest margin | 1.8569% | 7,140 |
| Noninterest income to average assets | 0.3701% | 4,872 |
| Noninterest expense to average assets | 2.5337% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3245% | 6,635 |
| Return on assets (ROA) | -0.3245% | 6,690 |
| Pretax return on assets | -0.4270% | 6,714 |
| Return on Equity (ROE) | -4.7460% | 6,761 |
| Retained earnings to average equity (ytd only) | -5.1624% | 6,626 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.2703% | 228 |
| Assets per employee ($millions) | 4.2280% | 3,407 |
| Cash dividends to net income (ytd only)* | -8.7719% | 7,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 5,203 |
| Loan loss allowance to noncurrent loans | 38.1779% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 1.3629% | 3,708 |
| Noncurrent loans to loans | 3.2242% | 1,804 |
| Net loans and leases to total assets | 41.7514% | 6,202 |
| Net loans and leases to deposits | 45.2049% | 6,495 |
| Net loans and leases to core deposits | 48.1947% | 6,450 |
| Total domestic deposits to total assets | 92.3605% | 178 |
| Equity capital to assets | 7.0482% | 6,904 |
| Core capital (leverage) ratio | 6.9033% | 6,844 |
| Tier 1 risk-based capital ratio | 12.2187% | 5,779 |
| Total risk-based capital ratio | 13.1208% | 5,984 |
| Memoranda: | ||
| Average total assets | $35,126,000 | 6,764 |
| Average earning assets | $32,850,670 | 6,714 |
| Average equity | $2,402,000 | 7,035 |
| Average total loans | $11,859,670 | 6,932 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4019% | 7,193 |
| Cost of funding earning assets | 0.9679% | 2,176 |
| Net interest margin | 1.4340% | 7,244 |
| Noninterest income to average assets | 0.3578% | 5,009 |
| Noninterest expense to average assets | 2.6274% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.7267% | 6,926 |
| Return on assets (ROA) | -0.7267% | 6,945 |
| Pretax return on assets | -0.9280% | 6,960 |
| Return on Equity (ROE) | -10.7839% | 7,002 |
| Retained earnings to average equity (ytd only) | -11.6134% | 6,887 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.6053% | 92 |
| Assets per employee ($millions) | 4.4445% | 3,092 |
| Cash dividends to net income (ytd only)* | -7.6923% | 7,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 3,191 |
| Loan loss allowance to noncurrent loans | 38.0952% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 1.2994% | 3,964 |
| Noncurrent loans to loans | 4.5688% | 1,263 |
| Net loans and leases to total assets | 27.9447% | 6,981 |
| Net loans and leases to deposits | 30.1054% | 7,055 |
| Net loans and leases to core deposits | 32.0082% | 7,037 |
| Total domestic deposits to total assets | 92.8226% | 153 |
| Equity capital to assets | 6.6824% | 6,982 |
| Core capital (leverage) ratio | 6.6129% | 6,950 |
| Tier 1 risk-based capital ratio | 12.6182% | 5,502 |
| Total risk-based capital ratio | 13.5528% | 5,714 |
| Memoranda: | ||
| Average total assets | $35,777,000 | 6,802 |
| Average earning assets | $33,473,000 | 6,757 |
| Average equity | $2,411,000 | 7,087 |
| Average total loans | $10,640,500 | 7,037 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 6,925 |
| Cost of funding earning assets | 1.1182% | 2,548 |
| Net interest margin | 2.4943% | 7,060 |
| Noninterest income to average assets | 0.4064% | 4,567 |
| Noninterest expense to average assets | 2.6089% | 5,060 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2179% | 5,534 |
| Return on assets (ROA) | 0.2179% | 5,671 |
| Pretax return on assets | 0.1620% | 5,867 |
| Return on Equity (ROE) | 3.0443% | 5,265 |
| Retained earnings to average equity (ytd only) | 0.3702% | 5,663 |
| Net charge-offs to loans | -0.4131% | 7,268 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1552% | 911 |
| Assets per employee ($millions) | 4.4998% | 2,913 |
| Cash dividends to net income (ytd only)* | 87.8378% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 3,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 30.5378% | 6,993 |
| Net loans and leases to deposits | 32.9526% | 7,072 |
| Net loans and leases to core deposits | 35.2249% | 7,051 |
| Total domestic deposits to total assets | 92.6718% | 161 |
| Equity capital to assets | 6.7948% | 7,008 |
| Core capital (leverage) ratio | 7.1279% | 6,821 |
| Tier 1 risk-based capital ratio | 14.4358% | 4,016 |
| Total risk-based capital ratio | 15.4745% | 4,117 |
| Memoranda: | ||
| Average total assets | $33,960,200 | 6,861 |
| Average earning assets | $32,194,000 | 6,803 |
| Average equity | $2,430,800 | 7,134 |
| Average total loans | $13,798,000 | 6,955 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6491% | 6,978 |
| Cost of funding earning assets | 1.1464% | 2,654 |
| Net interest margin | 2.5028% | 7,135 |
| Noninterest income to average assets | 0.4265% | 4,467 |
| Noninterest expense to average assets | 2.5629% | 5,224 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3149% | 5,339 |
| Return on assets (ROA) | 0.3149% | 5,515 |
| Pretax return on assets | 0.2392% | 5,823 |
| Return on Equity (ROE) | 4.3399% | 4,844 |
| Retained earnings to average equity (ytd only) | 0.7693% | 5,705 |
| Net charge-offs to loans | -0.5165% | 7,346 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4651% | 1,073 |
| Assets per employee ($millions) | 4.1465% | 3,549 |
| Cash dividends to net income (ytd only)* | 82.2748% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 5,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 47.3080% | 6,026 |
| Net loans and leases to deposits | 51.4575% | 6,414 |
| Net loans and leases to core deposits | 56.8155% | 6,238 |
| Total domestic deposits to total assets | 91.9360% | 219 |
| Equity capital to assets | 7.3888% | 6,957 |
| Core capital (leverage) ratio | 7.4737% | 6,778 |
| Tier 1 risk-based capital ratio | 12.7656% | 5,277 |
| Total risk-based capital ratio | 13.6771% | 5,541 |
| Memoranda: | ||
| Average total assets | $33,450,750 | 6,944 |
| Average earning assets | $31,751,000 | 6,880 |
| Average equity | $2,427,000 | 7,202 |
| Average total loans | $14,455,250 | 6,999 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3508% | 7,232 |
| Cost of funding earning assets | 1.1693% | 2,780 |
| Net interest margin | 2.1815% | 7,323 |
| Noninterest income to average assets | 0.4233% | 4,483 |
| Noninterest expense to average assets | 2.5996% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0715% | 6,079 |
| Return on assets (ROA) | 0.0715% | 6,160 |
| Pretax return on assets | -0.1073% | 6,374 |
| Return on Equity (ROE) | 0.9921% | 6,092 |
| Retained earnings to average equity (ytd only) | -3.1418% | 6,389 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3062% | 609 |
| Assets per employee ($millions) | 4.1849% | 3,379 |
| Cash dividends to net income (ytd only)* | 416.6667% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7227% | 6,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 48.8306% | 5,970 |
| Net loans and leases to deposits | 52.9490% | 6,399 |
| Net loans and leases to core deposits | 58.6981% | 6,214 |
| Total domestic deposits to total assets | 92.2220% | 195 |
| Equity capital to assets | 7.1687% | 7,065 |
| Core capital (leverage) ratio | 7.0151% | 6,991 |
| Tier 1 risk-based capital ratio | 11.3411% | 6,290 |
| Total risk-based capital ratio | 11.9034% | 6,720 |
| Memoranda: | ||
| Average total assets | $33,543,670 | 6,997 |
| Average earning assets | $31,813,330 | 6,941 |
| Average equity | $2,419,000 | 7,267 |
| Average total loans | $13,984,330 | 7,087 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0274% | 7,390 |
| Cost of funding earning assets | 1.1808% | 2,941 |
| Net interest margin | 1.8466% | 7,445 |
| Noninterest income to average assets | 0.4170% | 4,570 |
| Noninterest expense to average assets | 2.6805% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2144% | 6,578 |
| Return on assets (ROA) | -0.2144% | 6,591 |
| Pretax return on assets | -0.5123% | 6,758 |
| Return on Equity (ROE) | -2.9648% | 6,664 |
| Retained earnings to average equity (ytd only) | -2.9648% | 6,290 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6264% | 313 |
| Assets per employee ($millions) | 4.1956% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 6,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 35.2063% | 7,041 |
| Net loans and leases to deposits | 38.1538% | 7,162 |
| Net loans and leases to core deposits | 42.2111% | 7,105 |
| Total domestic deposits to total assets | 92.2747% | 220 |
| Equity capital to assets | 7.2099% | 7,005 |
| Core capital (leverage) ratio | 7.0009% | 7,007 |
| Tier 1 risk-based capital ratio | 11.1423% | 6,405 |
| Total risk-based capital ratio | 11.6902% | 6,829 |
| Memoranda: | ||
| Average total assets | $33,576,000 | 7,051 |
| Average earning assets | $31,842,000 | 6,992 |
| Average equity | $2,428,500 | 7,310 |
| Average total loans | $12,743,000 | 7,189 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 6,000 |
| Cost of funding earning assets | 1.4635% | 2,874 |
| Net interest margin | 3.1720% | 6,331 |
| Noninterest income to average assets | 0.5053% | 4,127 |
| Noninterest expense to average assets | 3.0414% | 3,690 |
| Loan and lease loss provision to assets | 0.1296% | 5,871 |
| Net operating income to assets | 0.3077% | 4,912 |
| Return on assets (ROA) | 0.3077% | 5,081 |
| Pretax return on assets | 0.3109% | 5,204 |
| Return on Equity (ROE) | 3.9544% | 4,550 |
| Retained earnings to average equity (ytd only) | 3.3300% | 3,537 |
| Net charge-offs to loans | 0.1225% | 5,665 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 2,269 |
| Efficiency ratio | 87.3488% | 1,535 |
| Assets per employee ($millions) | 4.1984% | 3,384 |
| Cash dividends to net income (ytd only)* | 15.7895% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 6,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 39.9887% | 6,964 |
| Net loans and leases to deposits | 43.4365% | 7,140 |
| Net loans and leases to core deposits | 48.0021% | 7,068 |
| Total domestic deposits to total assets | 92.0624% | 269 |
| Equity capital to assets | 7.2558% | 7,014 |
| Core capital (leverage) ratio | 7.6892% | 6,551 |
| Tier 1 risk-based capital ratio | 12.0787% | 5,402 |
| Total risk-based capital ratio | 12.6685% | 5,974 |
| Memoranda: | ||
| Average total assets | $30,874,000 | 7,175 |
| Average earning assets | $28,972,200 | 7,127 |
| Average equity | $2,402,400 | 7,418 |
| Average total loans | $16,327,800 | 7,101 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 6,184 |
| Cost of funding earning assets | 1.5223% | 2,827 |
| Net interest margin | 3.1295% | 6,540 |
| Noninterest income to average assets | 0.5387% | 3,874 |
| Noninterest expense to average assets | 2.9010% | 4,087 |
| Loan and lease loss provision to assets | 0.1766% | 5,272 |
| Net operating income to assets | 0.3797% | 4,839 |
| Return on assets (ROA) | 0.3797% | 5,028 |
| Pretax return on assets | 0.3930% | 5,238 |
| Return on Equity (ROE) | 4.7900% | 4,411 |
| Retained earnings to average equity (ytd only) | 4.7900% | 3,137 |
| Net charge-offs to loans | 0.3525% | 3,892 |
| Credit loss provision to net charge-offs | 88.8889% | 4,812 |
| Earnings coverage of net charge-offs (x) | 2.8667% | 3,698 |
| Efficiency ratio | 83.5878% | 1,882 |
| Assets per employee ($millions) | 3.8003% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4567% | 7,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 67.3870% | 3,357 |
| Net loans and leases to deposits | 73.8989% | 4,529 |
| Net loans and leases to core deposits | 82.6589% | 4,139 |
| Total domestic deposits to total assets | 91.1881% | 388 |
| Equity capital to assets | 8.0357% | 6,770 |
| Core capital (leverage) ratio | 8.3194% | 5,831 |
| Tier 1 risk-based capital ratio | 11.7390% | 5,698 |
| Total risk-based capital ratio | 12.1907% | 6,414 |
| Memoranda: | ||
| Average total assets | $30,195,750 | 7,287 |
| Average earning assets | $28,289,500 | 7,234 |
| Average equity | $2,393,750 | 7,520 |
| Average total loans | $17,022,250 | 7,167 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 7,108 |
| Cost of funding earning assets | 1.5148% | 3,174 |
| Net interest margin | 2.7407% | 7,211 |
| Noninterest income to average assets | 0.5510% | 3,705 |
| Noninterest expense to average assets | 3.1068% | 3,286 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1859% | 5,614 |
| Return on assets (ROA) | 0.1859% | 5,732 |
| Pretax return on assets | 0.0266% | 6,109 |
| Return on Equity (ROE) | 2.3556% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.3556% | 4,662 |
| Net charge-offs to loans | -0.1137% | 7,574 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1525% | 833 |
| Assets per employee ($millions) | 3.7000% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5921% | 7,424 |
| Loan loss allowance to noncurrent loans | 109.0909% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 6,586 |
| Noncurrent loans to loans | 0.5428% | 6,165 |
| Net loans and leases to total assets | 61.2534% | 4,832 |
| Net loans and leases to deposits | 67.1220% | 5,668 |
| Net loans and leases to core deposits | 76.0752% | 5,182 |
| Total domestic deposits to total assets | 91.2568% | 397 |
| Equity capital to assets | 8.0608% | 6,685 |
| Core capital (leverage) ratio | 7.8787% | 6,412 |
| Tier 1 risk-based capital ratio | 10.6513% | 6,566 |
| Total risk-based capital ratio | 11.1334% | 7,068 |
| Memoranda: | ||
| Average total assets | $30,127,000 | 7,343 |
| Average earning assets | $28,386,670 | 7,279 |
| Average equity | $2,377,330 | 7,582 |
| Average total loans | $15,836,000 | 7,269 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 7,450 |
| Cost of funding earning assets | 1.4978% | 3,577 |
| Net interest margin | 2.5057% | 7,474 |
| Noninterest income to average assets | 0.6055% | 3,246 |
| Noninterest expense to average assets | 3.2642% | 2,661 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4080% | 4,804 |
| Return on assets (ROA) | 0.4080% | 4,951 |
| Pretax return on assets | -0.3027% | 6,641 |
| Return on Equity (ROE) | 5.2255% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.2255% | 3,030 |
| Net charge-offs to loans | -0.2187% | 7,691 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2222% | 593 |
| Assets per employee ($millions) | 3.7794% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 7,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 45.5102% | 6,870 |
| Net loans and leases to deposits | 49.6410% | 7,142 |
| Net loans and leases to core deposits | 56.7563% | 6,950 |
| Total domestic deposits to total assets | 91.6785% | 328 |
| Equity capital to assets | 7.8981% | 6,759 |
| Core capital (leverage) ratio | 7.7940% | 6,514 |
| Tier 1 risk-based capital ratio | 12.3334% | 4,876 |
| Total risk-based capital ratio | 12.8861% | 5,504 |
| Memoranda: | ||
| Average total assets | $30,390,500 | 7,428 |
| Average earning assets | $28,574,500 | 7,369 |
| Average equity | $2,373,000 | 7,673 |
| Average total loans | $14,634,500 | 7,422 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0560% | 6,241 |
| Cost of funding earning assets | 1.6459% | 4,817 |
| Net interest margin | 3.4101% | 5,329 |
| Noninterest income to average assets | 0.6097% | 3,554 |
| Noninterest expense to average assets | 3.0729% | 3,861 |
| Loan and lease loss provision to assets | 0.4850% | 3,943 |
| Net operating income to assets | 0.2286% | 4,808 |
| Return on assets (ROA) | 0.2286% | 4,873 |
| Pretax return on assets | 0.2460% | 4,899 |
| Return on Equity (ROE) | 2.8859% | 4,557 |
| Retained earnings to average equity (ytd only) | 2.8859% | 3,158 |
| Net charge-offs to loans | 0.8852% | 2,623 |
| Credit loss provision to net charge-offs | 96.5517% | 5,753 |
| Earnings coverage of net charge-offs (x) | 1.4552% | 4,670 |
| Efficiency ratio | 80.7832% | 2,776 |
| Assets per employee ($millions) | 3.8183% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6428% | 7,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 50.0982% | 6,628 |
| Net loans and leases to deposits | 54.5639% | 7,018 |
| Net loans and leases to core deposits | 93.6823% | 4,707 |
| Total domestic deposits to total assets | 91.8156% | 300 |
| Equity capital to assets | 7.7195% | 6,837 |
| Core capital (leverage) ratio | 8.0884% | 6,014 |
| Tier 1 risk-based capital ratio | 13.0449% | 4,115 |
| Total risk-based capital ratio | 13.5926% | 4,608 |
| Memoranda: | ||
| Average total assets | $28,865,400 | 7,511 |
| Average earning assets | $27,037,000 | 7,459 |
| Average equity | $2,287,000 | 7,776 |
| Average total loans | $16,380,400 | 7,389 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 6,533 |
| Cost of funding earning assets | 1.6735% | 5,042 |
| Net interest margin | 3.3520% | 5,437 |
| Noninterest income to average assets | 0.6000% | 3,700 |
| Noninterest expense to average assets | 2.9905% | 4,081 |
| Loan and lease loss provision to assets | 0.6562% | 2,782 |
| Net operating income to assets | 0.1125% | 5,427 |
| Return on assets (ROA) | 0.1125% | 5,483 |
| Pretax return on assets | 0.0984% | 5,529 |
| Return on Equity (ROE) | 1.4102% | 5,370 |
| Retained earnings to average equity (ytd only) | 1.4102% | 4,530 |
| Net charge-offs to loans | -0.1684% | 7,960 |
| Credit loss provision to net charge-offs | -666.6667% | 7,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8498% | 2,869 |
| Assets per employee ($millions) | 3.4819% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 4,201 |
| Loan loss allowance to noncurrent loans | 1,766.6667% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 7,426 |
| Noncurrent loans to loans | 0.0764% | 7,302 |
| Net loans and leases to total assets | 69.5136% | 3,615 |
| Net loans and leases to deposits | 76.2954% | 4,986 |
| Net loans and leases to core deposits | 138.3664% | 996 |
| Total domestic deposits to total assets | 91.1111% | 380 |
| Equity capital to assets | 8.3181% | 6,481 |
| Core capital (leverage) ratio | 8.2561% | 5,910 |
| Tier 1 risk-based capital ratio | 11.3290% | 5,613 |
| Total risk-based capital ratio | 12.5807% | 5,550 |
| Memoranda: | ||
| Average total assets | $28,445,250 | 7,592 |
| Average earning assets | $26,689,500 | 7,542 |
| Average equity | $2,269,250 | 7,858 |
| Average total loans | $16,625,000 | 7,441 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7315% | 7,350 |
| Cost of funding earning assets | 1.6835% | 5,350 |
| Net interest margin | 3.0480% | 6,410 |
| Noninterest income to average assets | 0.5935% | 3,748 |
| Noninterest expense to average assets | 2.8559% | 4,701 |
| Loan and lease loss provision to assets | 0.9776% | 1,727 |
| Net operating income to assets | -0.2933% | 6,320 |
| Return on assets (ROA) | -0.2933% | 6,335 |
| Pretax return on assets | -0.3701% | 6,297 |
| Return on Equity (ROE) | -3.7278% | 6,448 |
| Retained earnings to average equity (ytd only) | -3.7278% | 6,086 |
| Net charge-offs to loans | -0.0896% | 7,936 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4597% | 2,670 |
| Assets per employee ($millions) | 3.5319% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 3,621 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 7,361 |
| Noncurrent loans to loans | 0.1420% | 7,163 |
| Net loans and leases to total assets | 61.4405% | 5,446 |
| Net loans and leases to deposits | 67.2165% | 6,271 |
| Net loans and leases to core deposits | 113.6498% | 2,952 |
| Total domestic deposits to total assets | 91.4068% | 339 |
| Equity capital to assets | 7.9632% | 6,795 |
| Core capital (leverage) ratio | 7.9323% | 6,441 |
| Tier 1 risk-based capital ratio | 10.6012% | 6,290 |
| Total risk-based capital ratio | 11.7791% | 6,300 |
| Memoranda: | ||
| Average total assets | $28,642,000 | 7,657 |
| Average earning assets | $26,968,330 | 7,598 |
| Average equity | $2,253,330 | 7,943 |
| Average total loans | $15,624,000 | 7,558 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6346% | 7,588 |
| Cost of funding earning assets | 1.7803% | 5,208 |
| Net interest margin | 2.8543% | 6,867 |
| Noninterest income to average assets | 0.6104% | 3,476 |
| Noninterest expense to average assets | 2.7466% | 4,797 |
| Loan and lease loss provision to assets | 1.9421% | 626 |
| Net operating income to assets | -1.0126% | 7,263 |
| Return on assets (ROA) | -1.0126% | 7,277 |
| Pretax return on assets | -1.3872% | 7,332 |
| Return on Equity (ROE) | -12.9490% | 7,519 |
| Retained earnings to average equity (ytd only) | -12.9490% | 7,323 |
| Net charge-offs to loans | -0.1367% | 7,953 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1933% | 2,391 |
| Assets per employee ($millions) | 3.5738% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8877% | 1,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 45.2676% | 7,241 |
| Net loans and leases to deposits | 49.3649% | 7,524 |
| Net loans and leases to core deposits | 77.4784% | 6,574 |
| Total domestic deposits to total assets | 91.6999% | 228 |
| Equity capital to assets | 7.7615% | 7,117 |
| Core capital (leverage) ratio | 7.5623% | 7,074 |
| Tier 1 risk-based capital ratio | 10.5863% | 6,305 |
| Total risk-based capital ratio | 11.7742% | 6,283 |
| Memoranda: | ||
| Average total assets | $28,835,500 | 7,699 |
| Average earning assets | $27,187,000 | 7,636 |
| Average equity | $2,255,000 | 7,990 |
| Average total loans | $14,631,000 | 7,658 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1215% | 4,931 |
| Cost of funding earning assets | 2.6098% | 3,636 |
| Net interest margin | 3.5118% | 5,258 |
| Noninterest income to average assets | 0.5363% | 4,346 |
| Noninterest expense to average assets | 2.9832% | 4,145 |
| Loan and lease loss provision to assets | 1.2570% | 1,137 |
| Net operating income to assets | -0.2447% | 6,673 |
| Return on assets (ROA) | -0.2447% | 6,518 |
| Pretax return on assets | -0.4022% | 6,546 |
| Return on Equity (ROE) | -2.9398% | 6,614 |
| Retained earnings to average equity (ytd only) | -10.5106% | 7,113 |
| Net charge-offs to loans | 2.4963% | 385 |
| Credit loss provision to net charge-offs | 84.6501% | 5,791 |
| Earnings coverage of net charge-offs (x) | 0.5756% | 5,878 |
| Efficiency ratio | 77.7293% | 2,964 |
| Assets per employee ($millions) | 3.6351% | 4,327 |
| Cash dividends to net income (ytd only)* | -257.5342% | 8,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 7,553 |
| Loan loss allowance to noncurrent loans | 5,200.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 7,616 |
| Noncurrent loans to loans | 0.0124% | 7,496 |
| Net loans and leases to total assets | 54.9053% | 6,559 |
| Net loans and leases to deposits | 60.2074% | 7,069 |
| Net loans and leases to core deposits | 94.3007% | 5,422 |
| Total domestic deposits to total assets | 91.1936% | 275 |
| Equity capital to assets | 7.8780% | 7,000 |
| Core capital (leverage) ratio | 7.9518% | 6,568 |
| Tier 1 risk-based capital ratio | 11.7965% | 4,985 |
| Total risk-based capital ratio | 12.3320% | 5,539 |
| Memoranda: | ||
| Average total assets | $29,834,000 | 7,657 |
| Average earning assets | $28,048,600 | 7,615 |
| Average equity | $2,483,200 | 7,995 |
| Average total loans | $17,746,600 | 7,479 |