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 | 3.8144% | 4,164 |
| Cost of funding earning assets | 0.4420% | 4,254 |
| Net interest margin | 3.3723% | 2,465 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 3.4484% | 619 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0485% | 4,288 |
| Return on assets (ROA) | 0.0503% | 4,317 |
| Pretax return on assets | 0.0468% | 4,314 |
| Return on Equity (ROE) | 1.1200% | 4,248 |
| Retained earnings to average equity (ytd only) | 1.1188% | 3,806 |
| 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 | 98.7103% | 208 |
| Assets per employee ($millions) | 3.6577% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0708% | 335 |
| Loan loss allowance to noncurrent loans | 131.2925% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 1,887 |
| Noncurrent loans to loans | 1.5773% | 417 |
| Net loans and leases to total assets | 16.6400% | 4,424 |
| Net loans and leases to deposits | 17.6231% | 4,433 |
| Net loans and leases to core deposits | 18.4201% | 4,458 |
| Total domestic deposits to total assets | 94.3900% | 87 |
| Equity capital to assets | 5.1015% | 4,397 |
| Core capital (leverage) ratio | 9.5813% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6395% | 229 |
| Memoranda: | ||
| Average total assets | $57,707,400 | 4,238 |
| Average earning assets | $54,294,600 | 4,207 |
| Average equity | $2,592,000 | 4,453 |
| Average total loans | $9,163,600 | 4,420 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7659% | 4,143 |
| Cost of funding earning assets | 0.3829% | 4,275 |
| Net interest margin | 3.3830% | 2,492 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 3.4304% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0730% | 4,337 |
| Return on assets (ROA) | 0.0753% | 4,356 |
| Pretax return on assets | 0.0753% | 4,353 |
| Return on Equity (ROE) | 1.7300% | 4,235 |
| Retained earnings to average equity (ytd only) | 1.7321% | 3,786 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 97.9153% | 202 |
| Assets per employee ($millions) | 3.7860% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2265% | 283 |
| Loan loss allowance to noncurrent loans | 140.5405% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 1,961 |
| Noncurrent loans to loans | 1.5842% | 445 |
| Net loans and leases to total assets | 16.0800% | 4,453 |
| Net loans and leases to deposits | 16.7719% | 4,464 |
| Net loans and leases to core deposits | 17.4880% | 4,451 |
| Total domestic deposits to total assets | 95.9000% | 84 |
| Equity capital to assets | 3.6080% | 4,447 |
| Core capital (leverage) ratio | 9.5739% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6595% | 235 |
| Memoranda: | ||
| Average total assets | $58,417,750 | 4,243 |
| Average earning assets | $55,018,500 | 4,215 |
| Average equity | $2,540,250 | 4,478 |
| Average total loans | $9,124,500 | 4,444 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7203% | 4,121 |
| Cost of funding earning assets | 0.3447% | 4,247 |
| Net interest margin | 3.3755% | 2,585 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 3.3887% | 608 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0988% | 4,361 |
| Return on assets (ROA) | 0.1018% | 4,391 |
| Pretax return on assets | 0.1153% | 4,386 |
| Return on Equity (ROE) | 2.2200% | 4,243 |
| Retained earnings to average equity (ytd only) | 2.2189% | 3,669 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 96.8023% | 210 |
| Assets per employee ($millions) | 3.7547% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1971% | 307 |
| Loan loss allowance to noncurrent loans | 144.4444% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 1,922 |
| Noncurrent loans to loans | 1.5211% | 432 |
| Net loans and leases to total assets | 16.4400% | 4,478 |
| Net loans and leases to deposits | 17.2933% | 4,489 |
| Net loans and leases to core deposits | 17.8387% | 4,477 |
| Total domestic deposits to total assets | 95.0600% | 92 |
| Equity capital to assets | 4.4513% | 4,451 |
| Core capital (leverage) ratio | 9.3613% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9681% | 242 |
| Memoranda: | ||
| Average total assets | $58,960,333 | 4,258 |
| Average earning assets | $55,694,667 | 4,233 |
| Average equity | $2,704,000 | 4,496 |
| Average total loans | $9,052,000 | 4,477 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 4,111 |
| Cost of funding earning assets | 0.3152% | 4,152 |
| Net interest margin | 3.3274% | 2,808 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 3.2515% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1792% | 4,376 |
| Return on assets (ROA) | 0.1792% | 4,346 |
| Pretax return on assets | 0.2123% | 4,325 |
| Return on Equity (ROE) | 3.8500% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.8537% | 3,308 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.8697% | 263 |
| Assets per employee ($millions) | 3.9801% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3129% | 274 |
| Loan loss allowance to noncurrent loans | 142.4658% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 1,898 |
| Noncurrent loans to loans | 1.6235% | 395 |
| Net loans and leases to total assets | 14.7100% | 4,553 |
| Net loans and leases to deposits | 15.5201% | 4,561 |
| Net loans and leases to core deposits | 16.1320% | 4,550 |
| Total domestic deposits to total assets | 94.8100% | 108 |
| Equity capital to assets | 4.7855% | 4,449 |
| Core capital (leverage) ratio | 8.9343% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5808% | 254 |
| Memoranda: | ||
| Average total assets | $60,280,000 | 4,308 |
| Average earning assets | $57,101,000 | 4,273 |
| Average equity | $2,802,500 | 4,553 |
| Average total loans | $8,844,500 | 4,548 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7795% | 4,345 |
| Cost of funding earning assets | 0.2026% | 3,737 |
| Net interest margin | 2.5769% | 4,202 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.6761% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0697% | 4,529 |
| Return on assets (ROA) | -0.0126% | 4,569 |
| Pretax return on assets | -0.0269% | 4,564 |
| Return on Equity (ROE) | -0.2000% | 4,552 |
| Retained earnings to average equity (ytd only) | -0.2037% | 4,378 |
| Net charge-offs to loans | 0.0496% | 1,176 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 12.2500% | 2,118 |
| Efficiency ratio | 97.1888% | 180 |
| Assets per employee ($millions) | 3.8037% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 1,658 |
| Loan loss allowance to noncurrent loans | 78.1457% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 1,912 |
| Noncurrent loans to loans | 1.7364% | 352 |
| Net loans and leases to total assets | 14.0900% | 4,590 |
| Net loans and leases to deposits | 14.8239% | 4,597 |
| Net loans and leases to core deposits | 15.2878% | 4,585 |
| Total domestic deposits to total assets | 95.0800% | 131 |
| Equity capital to assets | 4.5154% | 4,459 |
| Core capital (leverage) ratio | 8.7248% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1284% | 281 |
| Memoranda: | ||
| Average total assets | $63,302,200 | 4,302 |
| Average earning assets | $59,723,200 | 4,267 |
| Average equity | $3,928,200 | 4,538 |
| Average total loans | $8,072,400 | 4,585 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5504% | 4,426 |
| Cost of funding earning assets | 0.1993% | 3,285 |
| Net interest margin | 2.3512% | 4,369 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.6056% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.0498% | 4,614 |
| Return on assets (ROA) | -0.1585% | 4,618 |
| Pretax return on assets | -0.2107% | 4,618 |
| Return on Equity (ROE) | -2.4000% | 4,626 |
| Retained earnings to average equity (ytd only) | -2.3994% | 4,511 |
| Net charge-offs to loans | 0.0168% | 1,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -35.0000% | 4,751 |
| Efficiency ratio | 102.8830% | 138 |
| Assets per employee ($millions) | 4.1799% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 1,768 |
| Loan loss allowance to noncurrent loans | 66.4835% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 1,791 |
| Noncurrent loans to loans | 2.0429% | 295 |
| Net loans and leases to total assets | 14.0200% | 4,627 |
| Net loans and leases to deposits | 14.7366% | 4,638 |
| Net loans and leases to core deposits | 15.1834% | 4,622 |
| Total domestic deposits to total assets | 95.1100% | 203 |
| Equity capital to assets | 4.4945% | 4,400 |
| Core capital (leverage) ratio | 8.5123% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5220% | 279 |
| Memoranda: | ||
| Average total assets | $63,913,000 | 4,330 |
| Average earning assets | $60,224,250 | 4,294 |
| Average equity | $4,223,250 | 4,555 |
| Average total loans | $7,916,500 | 4,622 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1966% | 4,567 |
| Cost of funding earning assets | 0.1973% | 2,950 |
| Net interest margin | 1.9993% | 4,560 |
| Noninterest income to average assets | 0.3265% | 3,213 |
| Noninterest expense to average assets | 2.5840% | 1,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.2820% | 4,652 |
| Return on assets (ROA) | -0.2550% | 4,622 |
| Pretax return on assets | -0.3327% | 4,628 |
| Return on Equity (ROE) | -3.4956% | 4,654 |
| Retained earnings to average equity (ytd only) | -3.4956% | 4,480 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5498% | 89 |
| Assets per employee ($millions) | 4.4792% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 1,176 |
| Loan loss allowance to noncurrent loans | 62.5641% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 1,765 |
| Noncurrent loans to loans | 2.5394% | 220 |
| Net loans and leases to total assets | 12.0509% | 4,699 |
| Net loans and leases to deposits | 12.7323% | 4,705 |
| Net loans and leases to core deposits | 13.1795% | 4,699 |
| Total domestic deposits to total assets | 94.6483% | 185 |
| Equity capital to assets | 4.9371% | 4,488 |
| Core capital (leverage) ratio | 8.4947% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3045% | 220 |
| Memoranda: | ||
| Average total assets | $64,317,667 | 4,365 |
| Average earning assets | $60,821,000 | 4,340 |
| Average equity | $4,691,667 | 4,551 |
| Average total loans | $7,585,667 | 4,691 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7608% | 4,670 |
| Cost of funding earning assets | 0.1813% | 3,074 |
| Net interest margin | 1.5796% | 4,678 |
| Noninterest income to average assets | 0.3255% | 3,155 |
| Noninterest expense to average assets | 2.5122% | 1,856 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.5344% | 4,706 |
| Return on assets (ROA) | -0.5344% | 4,694 |
| Pretax return on assets | -0.6879% | 4,708 |
| Return on Equity (ROE) | -6.3394% | 4,718 |
| Retained earnings to average equity (ytd only) | -6.3394% | 4,470 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.7104% | 59 |
| Assets per employee ($millions) | 4.6989% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 1,047 |
| Loan loss allowance to noncurrent loans | 254.1667% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 3,342 |
| Noncurrent loans to loans | 0.6708% | 1,415 |
| Net loans and leases to total assets | 10.6926% | 4,736 |
| Net loans and leases to deposits | 11.6023% | 4,741 |
| Net loans and leases to core deposits | 12.0005% | 4,732 |
| Total domestic deposits to total assets | 92.1592% | 516 |
| Equity capital to assets | 7.5033% | 3,936 |
| Core capital (leverage) ratio | 8.3999% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.7301% | 143 |
| Memoranda: | ||
| Average total assets | $65,122,000 | 4,372 |
| Average earning assets | $61,789,500 | 4,350 |
| Average equity | $5,489,500 | 4,519 |
| Average total loans | $7,539,000 | 4,719 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8315% | 4,710 |
| Cost of funding earning assets | 0.2077% | 3,392 |
| Net interest margin | 1.6238% | 4,706 |
| Noninterest income to average assets | 0.3001% | 3,601 |
| Noninterest expense to average assets | 2.5023% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.5133% | 4,763 |
| Return on assets (ROA) | -0.4534% | 4,765 |
| Pretax return on assets | -0.5873% | 4,770 |
| Return on Equity (ROE) | -4.9847% | 4,776 |
| Retained earnings to average equity (ytd only) | -4.9847% | 4,709 |
| Net charge-offs to loans | 0.0751% | 1,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | -68.5000% | 2,695 |
| Efficiency ratio | 136.0526% | 49 |
| Assets per employee ($millions) | 4.6043% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 1,425 |
| Loan loss allowance to noncurrent loans | 214.0351% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 3,319 |
| Noncurrent loans to loans | 0.7195% | 1,414 |
| Net loans and leases to total assets | 12.1005% | 4,772 |
| Net loans and leases to deposits | 13.3915% | 4,776 |
| Net loans and leases to core deposits | 13.8701% | 4,769 |
| Total domestic deposits to total assets | 90.3599% | 781 |
| Equity capital to assets | 9.3748% | 3,250 |
| Core capital (leverage) ratio | 8.9794% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4386% | 129 |
| Memoranda: | ||
| Average total assets | $61,982,800 | 4,427 |
| Average earning assets | $58,751,000 | 4,395 |
| Average equity | $5,637,200 | 4,567 |
| Average total loans | $7,989,000 | 4,754 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8410% | 4,789 |
| Cost of funding earning assets | 0.2109% | 3,506 |
| Net interest margin | 1.6301% | 4,786 |
| Noninterest income to average assets | 0.2933% | 3,693 |
| Noninterest expense to average assets | 2.5335% | 2,024 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.5370% | 4,832 |
| Return on assets (ROA) | -0.4563% | 4,831 |
| Pretax return on assets | -0.5932% | 4,841 |
| Return on Equity (ROE) | -5.0579% | 4,846 |
| Retained earnings to average equity (ytd only) | -5.0579% | 4,783 |
| Net charge-offs to loans | 0.0333% | 1,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | -160.0000% | 2,456 |
| Efficiency ratio | 137.8251% | 47 |
| Assets per employee ($millions) | 4.1470% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 1,292 |
| Loan loss allowance to noncurrent loans | 213.5593% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 3,470 |
| Noncurrent loans to loans | 0.7578% | 1,487 |
| Net loans and leases to total assets | 12.3141% | 4,847 |
| Net loans and leases to deposits | 13.5912% | 4,851 |
| Net loans and leases to core deposits | 14.0933% | 4,841 |
| Total domestic deposits to total assets | 90.6036% | 507 |
| Equity capital to assets | 9.0523% | 3,778 |
| Core capital (leverage) ratio | 8.0118% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7699% | 217 |
| Memoranda: | ||
| Average total assets | $61,363,500 | 4,494 |
| Average earning assets | $58,155,250 | 4,466 |
| Average equity | $5,535,750 | 4,645 |
| Average total loans | $8,005,750 | 4,822 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8699% | 4,828 |
| Cost of funding earning assets | 0.2178% | 3,575 |
| Net interest margin | 1.6522% | 4,819 |
| Noninterest income to average assets | 0.2914% | 3,684 |
| Noninterest expense to average assets | 2.5637% | 1,953 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.5497% | 4,872 |
| Return on assets (ROA) | -0.5239% | 4,873 |
| Pretax return on assets | -0.6745% | 4,879 |
| Return on Equity (ROE) | -5.8140% | 4,883 |
| Retained earnings to average equity (ytd only) | -5.8140% | 4,799 |
| Net charge-offs to loans | 0.0248% | 1,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -216.0000% | 2,239 |
| Efficiency ratio | 138.0952% | 45 |
| Assets per employee ($millions) | 3.8417% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 1,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 13.0167% | 4,879 |
| Net loans and leases to deposits | 14.3828% | 4,887 |
| Net loans and leases to core deposits | 14.9192% | 4,881 |
| Total domestic deposits to total assets | 90.5022% | 554 |
| Equity capital to assets | 9.1382% | 3,668 |
| Core capital (leverage) ratio | 8.0162% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4262% | 221 |
| Memoranda: | ||
| Average total assets | $61,083,000 | 4,524 |
| Average earning assets | $57,863,667 | 4,499 |
| Average equity | $5,504,000 | 4,675 |
| Average total loans | $8,079,000 | 4,859 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9192% | 4,851 |
| Cost of funding earning assets | 0.2217% | 3,715 |
| Net interest margin | 1.6975% | 4,838 |
| Noninterest income to average assets | 0.3285% | 3,458 |
| Noninterest expense to average assets | 2.5751% | 1,947 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.4927% | 4,893 |
| Return on assets (ROA) | -0.4927% | 4,893 |
| Pretax return on assets | -0.6372% | 4,900 |
| Return on Equity (ROE) | -5.5071% | 4,906 |
| Retained earnings to average equity (ytd only) | -5.5071% | 4,716 |
| Net charge-offs to loans | 0.0497% | 1,000 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | -97.0000% | 1,925 |
| Efficiency ratio | 132.8814% | 46 |
| Assets per employee ($millions) | 4.6855% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 1,495 |
| Loan loss allowance to noncurrent loans | 211.6667% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 3,697 |
| Noncurrent loans to loans | 0.7240% | 1,794 |
| Net loans and leases to total assets | 13.3964% | 4,906 |
| Net loans and leases to deposits | 14.7631% | 4,908 |
| Net loans and leases to core deposits | 15.3182% | 4,905 |
| Total domestic deposits to total assets | 90.7424% | 495 |
| Equity capital to assets | 8.8849% | 3,803 |
| Core capital (leverage) ratio | 8.0121% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5907% | 281 |
| Memoranda: | ||
| Average total assets | $60,891,000 | 4,547 |
| Average earning assets | $57,732,500 | 4,522 |
| Average equity | $5,447,500 | 4,696 |
| Average total loans | $8,054,500 | 4,887 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2464% | 4,888 |
| Cost of funding earning assets | 0.3140% | 4,064 |
| Net interest margin | 1.9325% | 4,850 |
| Noninterest income to average assets | 0.3117% | 3,607 |
| Noninterest expense to average assets | 2.6473% | 2,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.3884% | 4,860 |
| Return on assets (ROA) | -0.3884% | 4,874 |
| Pretax return on assets | -0.5111% | 4,880 |
| Return on Equity (ROE) | -4.3688% | 4,888 |
| Retained earnings to average equity (ytd only) | -4.3688% | 4,820 |
| Net charge-offs to loans | -0.0674% | 4,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.9234% | 69 |
| Assets per employee ($millions) | 4.3479% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 1,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 12.6401% | 4,931 |
| Net loans and leases to deposits | 13.9407% | 4,937 |
| Net loans and leases to core deposits | 14.5354% | 4,931 |
| Total domestic deposits to total assets | 90.6703% | 311 |
| Equity capital to assets | 9.0077% | 4,044 |
| Core capital (leverage) ratio | 7.6226% | 4,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5800% | 236 |
| Memoranda: | ||
| Average total assets | $58,701,200 | 4,530 |
| Average earning assets | $55,421,200 | 4,504 |
| Average equity | $5,218,800 | 4,725 |
| Average total loans | $8,897,600 | 4,904 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3842% | 4,919 |
| Cost of funding earning assets | 0.3302% | 4,153 |
| Net interest margin | 2.0540% | 4,866 |
| Noninterest income to average assets | 0.3049% | 3,665 |
| Noninterest expense to average assets | 2.7464% | 2,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.3806% | 4,878 |
| Return on assets (ROA) | -0.3806% | 4,887 |
| Pretax return on assets | -0.5021% | 4,899 |
| Return on Equity (ROE) | -4.2953% | 4,904 |
| Retained earnings to average equity (ytd only) | -4.2953% | 4,821 |
| Net charge-offs to loans | -0.0873% | 4,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.3698% | 72 |
| Assets per employee ($millions) | 4.3591% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 1,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 15.1635% | 4,957 |
| Net loans and leases to deposits | 16.7900% | 4,964 |
| Net loans and leases to core deposits | 17.5056% | 4,961 |
| Total domestic deposits to total assets | 90.3126% | 326 |
| Equity capital to assets | 9.2105% | 3,945 |
| Core capital (leverage) ratio | 8.0102% | 4,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0242% | 276 |
| Memoranda: | ||
| Average total assets | $58,159,000 | 4,553 |
| Average earning assets | $54,914,750 | 4,528 |
| Average equity | $5,152,750 | 4,755 |
| Average total loans | $9,166,500 | 4,932 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5640% | 4,952 |
| Cost of funding earning assets | 0.3483% | 4,275 |
| Net interest margin | 2.2157% | 4,873 |
| Noninterest income to average assets | 0.3042% | 3,641 |
| Noninterest expense to average assets | 2.8740% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.3601% | 4,892 |
| Return on assets (ROA) | -0.3601% | 4,891 |
| Pretax return on assets | -0.4790% | 4,897 |
| Return on Equity (ROE) | -4.1227% | 4,917 |
| Retained earnings to average equity (ytd only) | -4.1227% | 4,734 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.0000% | 91 |
| Assets per employee ($millions) | 4.4934% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 16.0133% | 4,984 |
| Net loans and leases to deposits | 17.7022% | 4,993 |
| Net loans and leases to core deposits | 18.4865% | 4,986 |
| Total domestic deposits to total assets | 90.4595% | 283 |
| Equity capital to assets | 9.0543% | 4,039 |
| Core capital (leverage) ratio | 7.6997% | 4,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7707% | 374 |
| Memoranda: | ||
| Average total assets | $57,202,667 | 4,579 |
| Average earning assets | $53,977,333 | 4,550 |
| Average equity | $4,996,667 | 4,798 |
| Average total loans | $9,094,667 | 4,966 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7820% | 5,003 |
| Cost of funding earning assets | 0.3824% | 4,419 |
| Net interest margin | 2.3995% | 4,878 |
| Noninterest income to average assets | 0.3534% | 3,404 |
| Noninterest expense to average assets | 2.9047% | 2,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.2050% | 4,853 |
| Return on assets (ROA) | -0.2050% | 4,828 |
| Pretax return on assets | -0.2898% | 4,846 |
| Return on Equity (ROE) | -2.3915% | 4,850 |
| Retained earnings to average equity (ytd only) | -2.3915% | 4,293 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0811% | 143 |
| Assets per employee ($millions) | 3.7959% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 1,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 15.3272% | 5,033 |
| Net loans and leases to deposits | 16.9089% | 5,041 |
| Net loans and leases to core deposits | 17.7917% | 5,040 |
| Total domestic deposits to total assets | 90.6460% | 160 |
| Equity capital to assets | 8.9589% | 4,625 |
| Core capital (leverage) ratio | 8.0586% | 4,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1576% | 354 |
| Memoranda: | ||
| Average total assets | $56,597,000 | 4,598 |
| Average earning assets | $53,343,500 | 4,577 |
| Average equity | $4,850,500 | 4,857 |
| Average total loans | $8,904,000 | 5,011 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9834% | 5,058 |
| Cost of funding earning assets | 0.3782% | 4,514 |
| Net interest margin | 2.6052% | 4,903 |
| Noninterest income to average assets | 0.3527% | 3,589 |
| Noninterest expense to average assets | 2.8091% | 2,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0252% | 4,959 |
| Return on assets (ROA) | 0.0252% | 4,978 |
| Pretax return on assets | -0.0018% | 4,982 |
| Return on Equity (ROE) | 0.3317% | 4,970 |
| Retained earnings to average equity (ytd only) | 0.3317% | 4,597 |
| Net charge-offs to loans | 0.0949% | 1,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -0.1111% | 3,638 |
| Efficiency ratio | 100.0641% | 158 |
| Assets per employee ($millions) | 3.7504% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 1,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 15.7085% | 5,094 |
| Net loans and leases to deposits | 17.1649% | 5,104 |
| Net loans and leases to core deposits | 17.8778% | 5,102 |
| Total domestic deposits to total assets | 91.5156% | 66 |
| Equity capital to assets | 8.1769% | 5,018 |
| Core capital (leverage) ratio | 8.0202% | 5,031 |
| Tier 1 risk-based capital ratio | 25.0659% | 744 |
| Total risk-based capital ratio | 25.7498% | 770 |
| Memoranda: | ||
| Average total assets | $55,568,600 | 4,656 |
| Average earning assets | $52,356,000 | 4,635 |
| Average equity | $4,221,200 | 4,964 |
| Average total loans | $9,481,600 | 5,061 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0146% | 5,149 |
| Cost of funding earning assets | 0.3781% | 4,569 |
| Net interest margin | 2.6366% | 4,978 |
| Noninterest income to average assets | 0.3490% | 3,639 |
| Noninterest expense to average assets | 2.8304% | 2,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0289% | 5,056 |
| Return on assets (ROA) | 0.0289% | 5,071 |
| Pretax return on assets | 0.0024% | 5,070 |
| Return on Equity (ROE) | 0.3877% | 5,063 |
| Retained earnings to average equity (ytd only) | 0.3877% | 4,691 |
| Net charge-offs to loans | 0.0694% | 1,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 0.1994% | 3,371 |
| Efficiency ratio | 99.9150% | 151 |
| Assets per employee ($millions) | 3.9718% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 1,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 16.7323% | 5,171 |
| Net loans and leases to deposits | 18.2851% | 5,179 |
| Net loans and leases to core deposits | 19.0511% | 5,178 |
| Total domestic deposits to total assets | 91.5080% | 61 |
| Equity capital to assets | 8.1575% | 5,100 |
| Core capital (leverage) ratio | 8.1496% | 5,074 |
| Tier 1 risk-based capital ratio | 24.7318% | 783 |
| Total risk-based capital ratio | 25.4285% | 816 |
| Memoranda: | ||
| Average total assets | $55,396,750 | 4,728 |
| Average earning assets | $52,188,250 | 4,707 |
| Average equity | $4,126,500 | 5,050 |
| Average total loans | $9,612,250 | 5,140 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0421% | 5,201 |
| Cost of funding earning assets | 0.3803% | 4,582 |
| Net interest margin | 2.6618% | 5,031 |
| Noninterest income to average assets | 0.3362% | 3,684 |
| Noninterest expense to average assets | 2.8883% | 2,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.0108% | 5,101 |
| Return on assets (ROA) | -0.0108% | 5,110 |
| Pretax return on assets | -0.0470% | 5,119 |
| Return on Equity (ROE) | -0.1504% | 5,111 |
| Retained earnings to average equity (ytd only) | -0.1504% | 4,706 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6539% | 147 |
| Assets per employee ($millions) | 3.9246% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 1,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 16.7662% | 5,219 |
| Net loans and leases to deposits | 18.3320% | 5,228 |
| Net loans and leases to core deposits | 19.0067% | 5,226 |
| Total domestic deposits to total assets | 91.4586% | 62 |
| Equity capital to assets | 8.1519% | 5,147 |
| Core capital (leverage) ratio | 8.1040% | 5,136 |
| Tier 1 risk-based capital ratio | 25.0281% | 756 |
| Total risk-based capital ratio | 25.7634% | 780 |
| Memoranda: | ||
| Average total assets | $55,327,330 | 4,764 |
| Average earning assets | $52,070,000 | 4,743 |
| Average equity | $3,990,000 | 5,105 |
| Average total loans | $9,673,000 | 5,186 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0217% | 5,264 |
| Cost of funding earning assets | 0.3758% | 4,587 |
| Net interest margin | 2.6459% | 5,107 |
| Noninterest income to average assets | 0.3386% | 3,593 |
| Noninterest expense to average assets | 2.8819% | 2,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.0216% | 5,154 |
| Return on assets (ROA) | -0.0216% | 5,158 |
| Pretax return on assets | -0.0576% | 5,161 |
| Return on Equity (ROE) | -0.3204% | 5,162 |
| Retained earnings to average equity (ytd only) | -0.3204% | 4,574 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0408% | 153 |
| Assets per employee ($millions) | 3.9504% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 1,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 17.4433% | 5,277 |
| Net loans and leases to deposits | 18.8473% | 5,286 |
| Net loans and leases to core deposits | 19.5260% | 5,284 |
| Total domestic deposits to total assets | 92.5504% | 36 |
| Equity capital to assets | 7.1187% | 5,301 |
| Core capital (leverage) ratio | 8.0619% | 5,191 |
| Tier 1 risk-based capital ratio | 23.1997% | 917 |
| Total risk-based capital ratio | 23.8808% | 952 |
| Memoranda: | ||
| Average total assets | $55,519,000 | 4,815 |
| Average earning assets | $52,156,000 | 4,792 |
| Average equity | $3,745,500 | 5,174 |
| Average total loans | $9,838,000 | 5,245 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8382% | 5,280 |
| Cost of funding earning assets | 0.3946% | 4,014 |
| Net interest margin | 2.4437% | 5,234 |
| Noninterest income to average assets | 0.3392% | 3,845 |
| Noninterest expense to average assets | 2.9510% | 2,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.2332% | 5,276 |
| Return on assets (ROA) | -0.2389% | 5,274 |
| Pretax return on assets | -0.3374% | 5,293 |
| Return on Equity (ROE) | -3.6346% | 5,303 |
| Retained earnings to average equity (ytd only) | -3.6346% | 5,207 |
| Net charge-offs to loans | -0.0102% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5957% | 73 |
| Assets per employee ($millions) | 3.2784% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 1,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 17.5246% | 5,322 |
| Net loans and leases to deposits | 18.7693% | 5,330 |
| Net loans and leases to core deposits | 19.5301% | 5,329 |
| Total domestic deposits to total assets | 93.3684% | 24 |
| Equity capital to assets | 6.3768% | 5,368 |
| Core capital (leverage) ratio | 8.0548% | 5,224 |
| Tier 1 risk-based capital ratio | 23.5986% | 858 |
| Total risk-based capital ratio | 24.2901% | 886 |
| Memoranda: | ||
| Average total assets | $54,829,400 | 4,863 |
| Average earning assets | $51,193,600 | 4,832 |
| Average equity | $3,604,200 | 5,221 |
| Average total loans | $9,846,200 | 5,293 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7899% | 5,357 |
| Cost of funding earning assets | 0.4004% | 3,857 |
| Net interest margin | 2.3895% | 5,323 |
| Noninterest income to average assets | 0.3321% | 3,934 |
| Noninterest expense to average assets | 2.9814% | 2,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.3043% | 5,366 |
| Return on assets (ROA) | -0.3101% | 5,367 |
| Pretax return on assets | -0.4273% | 5,372 |
| Return on Equity (ROE) | -4.6818% | 5,389 |
| Retained earnings to average equity (ytd only) | -4.6818% | 5,305 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3966% | 68 |
| Assets per employee ($millions) | 3.3218% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 1,798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 17.5453% | 5,396 |
| Net loans and leases to deposits | 18.7898% | 5,404 |
| Net loans and leases to core deposits | 19.5879% | 5,402 |
| Total domestic deposits to total assets | 93.3770% | 23 |
| Equity capital to assets | 6.2825% | 5,437 |
| Core capital (leverage) ratio | 8.2231% | 5,238 |
| Tier 1 risk-based capital ratio | 23.7555% | 864 |
| Total risk-based capital ratio | 24.4484% | 891 |
| Memoranda: | ||
| Average total assets | $54,603,500 | 4,916 |
| Average earning assets | $50,944,750 | 4,890 |
| Average equity | $3,616,750 | 5,288 |
| Average total loans | $9,833,250 | 5,358 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7109% | 5,433 |
| Cost of funding earning assets | 0.3961% | 3,750 |
| Net interest margin | 2.3147% | 5,411 |
| Noninterest income to average assets | 0.3267% | 4,008 |
| Noninterest expense to average assets | 2.9516% | 2,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.3376% | 5,418 |
| Return on assets (ROA) | -0.3376% | 5,413 |
| Pretax return on assets | -0.4611% | 5,432 |
| Return on Equity (ROE) | -5.0144% | 5,438 |
| Retained earnings to average equity (ytd only) | -5.0144% | 5,293 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.5131% | 66 |
| Assets per employee ($millions) | 3.3501% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 1,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 17.1340% | 5,459 |
| Net loans and leases to deposits | 18.3706% | 5,469 |
| Net loans and leases to core deposits | 19.1401% | 5,469 |
| Total domestic deposits to total assets | 93.2688% | 27 |
| Equity capital to assets | 6.4103% | 5,490 |
| Core capital (leverage) ratio | 8.1530% | 5,291 |
| Tier 1 risk-based capital ratio | 24.0314% | 834 |
| Total risk-based capital ratio | 24.7252% | 864 |
| Memoranda: | ||
| Average total assets | $55,088,670 | 4,961 |
| Average earning assets | $51,496,670 | 4,940 |
| Average equity | $3,709,330 | 5,341 |
| Average total loans | $9,959,330 | 5,416 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6609% | 5,493 |
| Cost of funding earning assets | 0.3747% | 3,780 |
| Net interest margin | 2.2862% | 5,478 |
| Noninterest income to average assets | 0.3224% | 3,998 |
| Noninterest expense to average assets | 2.9015% | 2,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.3152% | 5,472 |
| Return on assets (ROA) | -0.3152% | 5,467 |
| Pretax return on assets | -0.4370% | 5,488 |
| Return on Equity (ROE) | -4.5762% | 5,494 |
| Retained earnings to average equity (ytd only) | -4.5762% | 5,182 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7326% | 71 |
| Assets per employee ($millions) | 3.4359% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 2,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 17.4243% | 5,517 |
| Net loans and leases to deposits | 18.7072% | 5,527 |
| Net loans and leases to core deposits | 19.5890% | 5,524 |
| Total domestic deposits to total assets | 93.1423% | 36 |
| Equity capital to assets | 6.5739% | 5,536 |
| Core capital (leverage) ratio | 8.2542% | 5,286 |
| Tier 1 risk-based capital ratio | 23.6775% | 869 |
| Total risk-based capital ratio | 24.3511% | 909 |
| Memoranda: | ||
| Average total assets | $55,832,500 | 5,006 |
| Average earning assets | $52,314,000 | 4,986 |
| Average equity | $3,846,000 | 5,380 |
| Average total loans | $10,282,000 | 5,471 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4302% | 5,571 |
| Cost of funding earning assets | 0.3700% | 3,516 |
| Net interest margin | 2.0601% | 5,565 |
| Noninterest income to average assets | 0.3076% | 4,257 |
| Noninterest expense to average assets | 2.7220% | 3,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.3117% | 5,483 |
| Return on assets (ROA) | -0.2679% | 5,465 |
| Pretax return on assets | -0.4131% | 5,535 |
| Return on Equity (ROE) | -3.5567% | 5,504 |
| Retained earnings to average equity (ytd only) | -3.5567% | 5,375 |
| Net charge-offs to loans | 0.0285% | 3,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -92.6667% | 4,119 |
| Efficiency ratio | 121.4341% | 64 |
| Assets per employee ($millions) | 3.5431% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 2,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 18.9187% | 5,577 |
| Net loans and leases to deposits | 20.4301% | 5,590 |
| Net loans and leases to core deposits | 21.3671% | 5,587 |
| Total domestic deposits to total assets | 92.6019% | 45 |
| Equity capital to assets | 7.1935% | 5,571 |
| Core capital (leverage) ratio | 8.1271% | 5,392 |
| Tier 1 risk-based capital ratio | 21.8908% | 1,032 |
| Total risk-based capital ratio | 22.5053% | 1,081 |
| Memoranda: | ||
| Average total assets | $57,861,600 | 5,006 |
| Average earning assets | $54,317,400 | 4,989 |
| Average equity | $4,358,000 | 5,367 |
| Average total loans | $10,510,400 | 5,528 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3919% | 5,644 |
| Cost of funding earning assets | 0.3637% | 3,516 |
| Net interest margin | 2.0283% | 5,637 |
| Noninterest income to average assets | 0.3118% | 4,295 |
| Noninterest expense to average assets | 2.7122% | 3,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.2888% | 5,601 |
| Return on assets (ROA) | -0.2316% | 5,588 |
| Pretax return on assets | -0.4058% | 5,611 |
| Return on Equity (ROE) | -3.0411% | 5,608 |
| Retained earnings to average equity (ytd only) | -3.0411% | 5,490 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.3371% | 58 |
| Assets per employee ($millions) | 3.5199% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 2,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 18.2869% | 5,647 |
| Net loans and leases to deposits | 19.9249% | 5,658 |
| Net loans and leases to core deposits | 20.7474% | 5,656 |
| Total domestic deposits to total assets | 91.7790% | 77 |
| Equity capital to assets | 7.9440% | 5,533 |
| Core capital (leverage) ratio | 8.3118% | 5,362 |
| Tier 1 risk-based capital ratio | 23.2653% | 923 |
| Total risk-based capital ratio | 23.9245% | 957 |
| Memoranda: | ||
| Average total assets | $58,154,500 | 5,059 |
| Average earning assets | $54,626,750 | 5,037 |
| Average equity | $4,428,000 | 5,411 |
| Average total loans | $10,424,250 | 5,589 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4024% | 5,682 |
| Cost of funding earning assets | 0.3582% | 3,501 |
| Net interest margin | 2.0442% | 5,682 |
| Noninterest income to average assets | 0.3097% | 4,322 |
| Noninterest expense to average assets | 2.6682% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.2552% | 5,636 |
| Return on assets (ROA) | -0.2552% | 5,637 |
| Pretax return on assets | -0.4356% | 5,658 |
| Return on Equity (ROE) | -3.3993% | 5,663 |
| Retained earnings to average equity (ytd only) | -3.3993% | 5,460 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.5122% | 67 |
| Assets per employee ($millions) | 3.3861% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 2,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 17.5078% | 5,699 |
| Net loans and leases to deposits | 19.0748% | 5,709 |
| Net loans and leases to core deposits | 19.7438% | 5,707 |
| Total domestic deposits to total assets | 91.7847% | 90 |
| Equity capital to assets | 7.9287% | 5,563 |
| Core capital (leverage) ratio | 8.0537% | 5,502 |
| Tier 1 risk-based capital ratio | 24.3513% | 820 |
| Total risk-based capital ratio | 25.0360% | 858 |
| Memoranda: | ||
| Average total assets | $58,766,330 | 5,083 |
| Average earning assets | $55,277,330 | 5,060 |
| Average equity | $4,412,670 | 5,456 |
| Average total loans | $10,421,670 | 5,637 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2948% | 5,769 |
| Cost of funding earning assets | 0.3514% | 3,513 |
| Net interest margin | 1.9434% | 5,762 |
| Noninterest income to average assets | 0.3369% | 4,150 |
| Noninterest expense to average assets | 2.8231% | 2,710 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.4177% | 5,725 |
| Return on assets (ROA) | -0.4177% | 5,722 |
| Pretax return on assets | -0.6603% | 5,752 |
| Return on Equity (ROE) | -5.7182% | 5,743 |
| Retained earnings to average equity (ytd only) | -5.7182% | 5,431 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.5296% | 51 |
| Assets per employee ($millions) | 3.4831% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 2,665 |
| 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 | 17.4117% | 5,767 |
| Net loans and leases to deposits | 18.8490% | 5,775 |
| Net loans and leases to core deposits | 19.4856% | 5,774 |
| Total domestic deposits to total assets | 92.3750% | 70 |
| Equity capital to assets | 7.3126% | 5,718 |
| Core capital (leverage) ratio | 8.0492% | 5,541 |
| Tier 1 risk-based capital ratio | 23.5245% | 912 |
| Total risk-based capital ratio | 24.1841% | 966 |
| Memoranda: | ||
| Average total assets | $59,368,000 | 5,124 |
| Average earning assets | $55,779,000 | 5,111 |
| Average equity | $4,337,000 | 5,520 |
| Average total loans | $10,527,000 | 5,695 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2463% | 5,811 |
| Cost of funding earning assets | 0.3305% | 3,743 |
| Net interest margin | 1.9157% | 5,820 |
| Noninterest income to average assets | 0.3376% | 4,323 |
| Noninterest expense to average assets | 2.5627% | 3,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.2675% | 5,730 |
| Return on assets (ROA) | -0.2467% | 5,738 |
| Pretax return on assets | -0.3960% | 5,762 |
| Return on Equity (ROE) | -3.4615% | 5,767 |
| Retained earnings to average equity (ytd only) | -3.4615% | 5,609 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.0760% | 85 |
| Assets per employee ($millions) | 3.5014% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,795 |
| 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 | 17.6033% | 5,823 |
| Net loans and leases to deposits | 19.0419% | 5,835 |
| Net loans and leases to core deposits | 19.9676% | 5,833 |
| Total domestic deposits to total assets | 92.4449% | 70 |
| Equity capital to assets | 7.2980% | 5,758 |
| Core capital (leverage) ratio | 8.1159% | 5,550 |
| Tier 1 risk-based capital ratio | 23.8381% | 883 |
| Total risk-based capital ratio | 24.4978% | 928 |
| Memoranda: | ||
| Average total assets | $61,614,400 | 5,102 |
| Average earning assets | $57,784,400 | 5,078 |
| Average equity | $4,391,200 | 5,573 |
| Average total loans | $9,557,400 | 5,778 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2635% | 5,877 |
| Cost of funding earning assets | 0.3296% | 3,780 |
| Net interest margin | 1.9340% | 5,881 |
| Noninterest income to average assets | 0.3455% | 4,312 |
| Noninterest expense to average assets | 2.5341% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2344% | 5,808 |
| Return on assets (ROA) | -0.2124% | 5,807 |
| Pretax return on assets | -0.3412% | 5,825 |
| Return on Equity (ROE) | -2.9980% | 5,834 |
| Retained earnings to average equity (ytd only) | -2.9980% | 5,649 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.3956% | 90 |
| Assets per employee ($millions) | 3.8453% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 2,660 |
| 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 | 16.3497% | 5,901 |
| Net loans and leases to deposits | 17.8700% | 5,909 |
| Net loans and leases to core deposits | 18.7169% | 5,908 |
| Total domestic deposits to total assets | 91.4928% | 117 |
| Equity capital to assets | 7.9286% | 5,762 |
| Core capital (leverage) ratio | 7.8188% | 5,755 |
| Tier 1 risk-based capital ratio | 24.0110% | 905 |
| Total risk-based capital ratio | 24.6855% | 935 |
| Memoranda: | ||
| Average total assets | $62,137,250 | 5,138 |
| Average earning assets | $58,255,000 | 5,109 |
| Average equity | $4,403,000 | 5,634 |
| Average total loans | $9,294,000 | 5,845 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3831% | 5,936 |
| Cost of funding earning assets | 0.3287% | 3,809 |
| Net interest margin | 2.0544% | 5,943 |
| Noninterest income to average assets | 0.3529% | 4,254 |
| Noninterest expense to average assets | 2.5055% | 4,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1378% | 5,831 |
| Return on assets (ROA) | -0.1091% | 5,835 |
| Pretax return on assets | -0.1829% | 5,854 |
| Return on Equity (ROE) | -1.6020% | 5,860 |
| Retained earnings to average equity (ytd only) | -1.6020% | 5,503 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0000% | 143 |
| Assets per employee ($millions) | 4.0923% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 2,130 |
| 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 | 14.8801% | 5,987 |
| Net loans and leases to deposits | 16.3075% | 5,995 |
| Net loans and leases to core deposits | 16.8823% | 5,992 |
| Total domestic deposits to total assets | 91.2469% | 148 |
| Equity capital to assets | 8.0917% | 5,775 |
| Core capital (leverage) ratio | 7.8285% | 5,812 |
| Tier 1 risk-based capital ratio | 23.5913% | 949 |
| Total risk-based capital ratio | 24.2453% | 998 |
| Memoranda: | ||
| Average total assets | $62,341,670 | 5,193 |
| Average earning assets | $58,410,330 | 5,151 |
| Average equity | $4,244,670 | 5,721 |
| Average total loans | $8,994,670 | 5,926 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4596% | 5,978 |
| Cost of funding earning assets | 0.3329% | 3,800 |
| Net interest margin | 2.1267% | 5,983 |
| Noninterest income to average assets | 0.3757% | 4,033 |
| Noninterest expense to average assets | 2.5278% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0955% | 5,846 |
| Return on assets (ROA) | -0.0955% | 5,863 |
| Pretax return on assets | -0.1592% | 5,881 |
| Return on Equity (ROE) | -1.5450% | 5,890 |
| Retained earnings to average equity (ytd only) | -1.5450% | 5,339 |
| Net charge-offs to loans | 0.0903% | 1,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -12.5000% | 3,067 |
| Efficiency ratio | 106.7204% | 189 |
| Assets per employee ($millions) | 3.8909% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 1,797 |
| 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 | 13.3839% | 6,057 |
| Net loans and leases to deposits | 14.3549% | 6,064 |
| Net loans and leases to core deposits | 14.9533% | 6,056 |
| Total domestic deposits to total assets | 93.2358% | 39 |
| Equity capital to assets | 6.3257% | 6,053 |
| Core capital (leverage) ratio | 6.4195% | 6,037 |
| Tier 1 risk-based capital ratio | 19.6105% | 1,586 |
| Total risk-based capital ratio | 20.2499% | 1,698 |
| Memoranda: | ||
| Average total assets | $62,820,500 | 5,226 |
| Average earning assets | $58,871,000 | 5,190 |
| Average equity | $3,883,500 | 5,830 |
| Average total loans | $8,858,500 | 5,985 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3959% | 6,032 |
| Cost of funding earning assets | 0.3481% | 3,719 |
| Net interest margin | 2.0478% | 6,037 |
| Noninterest income to average assets | 0.3279% | 4,555 |
| Noninterest expense to average assets | 2.4257% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1035% | 5,924 |
| Return on assets (ROA) | -0.1035% | 5,946 |
| Pretax return on assets | -0.1687% | 5,955 |
| Return on Equity (ROE) | -1.6561% | 5,968 |
| Retained earnings to average equity (ytd only) | -1.6561% | 5,728 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4753% | 164 |
| Assets per employee ($millions) | 3.9617% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 2,261 |
| Loan loss allowance to noncurrent loans | 6,650.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 5,714 |
| Noncurrent loans to loans | 0.0216% | 5,430 |
| Net loans and leases to total assets | 14.3894% | 6,110 |
| Net loans and leases to deposits | 15.3596% | 6,120 |
| Net loans and leases to core deposits | 16.0547% | 6,111 |
| Total domestic deposits to total assets | 93.6832% | 31 |
| Equity capital to assets | 6.0407% | 6,117 |
| Core capital (leverage) ratio | 6.3452% | 6,103 |
| Tier 1 risk-based capital ratio | 19.1653% | 1,665 |
| Total risk-based capital ratio | 19.7975% | 1,761 |
| Memoranda: | ||
| Average total assets | $62,828,200 | 5,244 |
| Average earning assets | $59,185,400 | 5,208 |
| Average equity | $3,924,800 | 5,864 |
| Average total loans | $8,244,000 | 6,057 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3859% | 6,124 |
| Cost of funding earning assets | 0.3544% | 3,703 |
| Net interest margin | 2.0315% | 6,133 |
| Noninterest income to average assets | 0.3297% | 4,582 |
| Noninterest expense to average assets | 2.4182% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1085% | 6,003 |
| Return on assets (ROA) | -0.1085% | 6,026 |
| Pretax return on assets | -0.1744% | 6,041 |
| Return on Equity (ROE) | -1.7221% | 6,054 |
| Retained earnings to average equity (ytd only) | -1.7221% | 5,827 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7725% | 168 |
| Assets per employee ($millions) | 3.9675% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 1,808 |
| 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 | 12.9301% | 6,205 |
| Net loans and leases to deposits | 13.8571% | 6,214 |
| Net loans and leases to core deposits | 14.4874% | 6,205 |
| Total domestic deposits to total assets | 93.3097% | 38 |
| Equity capital to assets | 6.2445% | 6,192 |
| Core capital (leverage) ratio | 6.4096% | 6,177 |
| Tier 1 risk-based capital ratio | 20.8697% | 1,365 |
| Total risk-based capital ratio | 21.5557% | 1,444 |
| Memoranda: | ||
| Average total assets | $62,688,500 | 5,319 |
| Average earning assets | $59,068,750 | 5,271 |
| Average equity | $3,948,750 | 5,939 |
| Average total loans | $7,991,500 | 6,146 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3886% | 6,200 |
| Cost of funding earning assets | 0.3539% | 3,767 |
| Net interest margin | 2.0347% | 6,203 |
| Noninterest income to average assets | 0.3268% | 4,609 |
| Noninterest expense to average assets | 2.4157% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1121% | 6,053 |
| Return on assets (ROA) | -0.1121% | 6,082 |
| Pretax return on assets | -0.1730% | 6,097 |
| Return on Equity (ROE) | -1.7750% | 6,118 |
| Retained earnings to average equity (ytd only) | -1.7750% | 5,805 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7143% | 202 |
| Assets per employee ($millions) | 3.8533% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 1,791 |
| 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 | 12.9485% | 6,281 |
| Net loans and leases to deposits | 13.8454% | 6,287 |
| Net loans and leases to core deposits | 14.4921% | 6,277 |
| Total domestic deposits to total assets | 93.5217% | 41 |
| Equity capital to assets | 6.1344% | 6,266 |
| Core capital (leverage) ratio | 6.4128% | 6,250 |
| Tier 1 risk-based capital ratio | 20.7412% | 1,418 |
| Total risk-based capital ratio | 21.4202% | 1,486 |
| Memoranda: | ||
| Average total assets | $62,424,670 | 5,383 |
| Average earning assets | $58,780,000 | 5,337 |
| Average equity | $3,943,670 | 6,001 |
| Average total loans | $7,875,000 | 6,221 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3993% | 6,258 |
| Cost of funding earning assets | 0.3582% | 3,770 |
| Net interest margin | 2.0411% | 6,258 |
| Noninterest income to average assets | 0.3312% | 4,542 |
| Noninterest expense to average assets | 2.3563% | 4,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0637% | 6,068 |
| Return on assets (ROA) | -0.0637% | 6,102 |
| Pretax return on assets | -0.1019% | 6,120 |
| Return on Equity (ROE) | -0.9939% | 6,127 |
| Retained earnings to average equity (ytd only) | -0.9939% | 5,557 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5198% | 264 |
| Assets per employee ($millions) | 3.7366% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6662% | 1,830 |
| 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 | 12.3563% | 6,351 |
| Net loans and leases to deposits | 13.2838% | 6,361 |
| Net loans and leases to core deposits | 13.8140% | 6,351 |
| Total domestic deposits to total assets | 93.0182% | 59 |
| Equity capital to assets | 6.4403% | 6,313 |
| Core capital (leverage) ratio | 6.5298% | 6,295 |
| Tier 1 risk-based capital ratio | 21.2972% | 1,370 |
| Total risk-based capital ratio | 21.9901% | 1,442 |
| Memoranda: | ||
| Average total assets | $62,811,000 | 5,430 |
| Average earning assets | $59,185,000 | 5,381 |
| Average equity | $4,024,500 | 6,047 |
| Average total loans | $7,754,500 | 6,289 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4811% | 6,330 |
| Cost of funding earning assets | 0.3872% | 3,829 |
| Net interest margin | 2.0939% | 6,341 |
| Noninterest income to average assets | 0.3137% | 4,878 |
| Noninterest expense to average assets | 2.3728% | 4,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0600% | 6,129 |
| Return on assets (ROA) | -0.0569% | 6,136 |
| Pretax return on assets | -0.0943% | 6,137 |
| Return on Equity (ROE) | -1.0303% | 6,167 |
| Retained earnings to average equity (ytd only) | -1.0303% | 5,921 |
| Net charge-offs to loans | 0.0437% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -20.3333% | 4,936 |
| Efficiency ratio | 104.3603% | 285 |
| Assets per employee ($millions) | 3.8813% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 1,607 |
| 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 | 11.9066% | 6,446 |
| Net loans and leases to deposits | 12.7725% | 6,453 |
| Net loans and leases to core deposits | 13.3531% | 6,442 |
| Total domestic deposits to total assets | 93.2206% | 56 |
| Equity capital to assets | 6.3736% | 6,387 |
| Core capital (leverage) ratio | 6.5980% | 6,357 |
| Tier 1 risk-based capital ratio | 24.6882% | 867 |
| Total risk-based capital ratio | 25.4895% | 905 |
| Memoranda: | ||
| Average total assets | $61,529,800 | 5,511 |
| Average earning assets | $57,595,000 | 5,470 |
| Average equity | $3,397,200 | 6,200 |
| Average total loans | $6,863,800 | 6,397 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4798% | 6,413 |
| Cost of funding earning assets | 0.3904% | 3,893 |
| Net interest margin | 2.0893% | 6,422 |
| Noninterest income to average assets | 0.3128% | 4,940 |
| Noninterest expense to average assets | 2.3696% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0630% | 6,196 |
| Return on assets (ROA) | -0.0630% | 6,199 |
| Pretax return on assets | -0.1043% | 6,207 |
| Return on Equity (ROE) | -1.1873% | 6,240 |
| Retained earnings to average equity (ytd only) | -1.1873% | 5,990 |
| Net charge-offs to loans | 0.0597% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -16.0000% | 4,646 |
| Efficiency ratio | 104.6021% | 284 |
| Assets per employee ($millions) | 3.8352% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9539% | 1,342 |
| 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 | 10.8763% | 6,529 |
| Net loans and leases to deposits | 11.5786% | 6,537 |
| Net loans and leases to core deposits | 12.1664% | 6,524 |
| Total domestic deposits to total assets | 93.9345% | 42 |
| Equity capital to assets | 5.8081% | 6,493 |
| Core capital (leverage) ratio | 6.6294% | 6,427 |
| Tier 1 risk-based capital ratio | 25.4418% | 839 |
| Total risk-based capital ratio | 26.2665% | 866 |
| Memoranda: | ||
| Average total assets | $61,387,250 | 5,581 |
| Average earning assets | $57,369,750 | 5,532 |
| Average equity | $3,257,000 | 6,292 |
| Average total loans | $6,698,000 | 6,474 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5045% | 6,475 |
| Cost of funding earning assets | 0.3912% | 3,980 |
| Net interest margin | 2.1133% | 6,488 |
| Noninterest income to average assets | 0.3095% | 4,938 |
| Noninterest expense to average assets | 2.3455% | 5,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0391% | 6,213 |
| Return on assets (ROA) | -0.0391% | 6,229 |
| Pretax return on assets | -0.0652% | 6,234 |
| Return on Equity (ROE) | -0.7608% | 6,256 |
| Retained earnings to average equity (ytd only) | -0.7608% | 5,815 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8571% | 339 |
| Assets per employee ($millions) | 3.8248% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9837% | 1,392 |
| 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 | 10.9811% | 6,598 |
| Net loans and leases to deposits | 11.6819% | 6,603 |
| Net loans and leases to core deposits | 12.2749% | 6,593 |
| Total domestic deposits to total assets | 94.0012% | 50 |
| Equity capital to assets | 5.7308% | 6,552 |
| Core capital (leverage) ratio | 6.6416% | 6,482 |
| Tier 1 risk-based capital ratio | 25.6552% | 809 |
| Total risk-based capital ratio | 26.5019% | 828 |
| Memoranda: | ||
| Average total assets | $61,395,330 | 5,625 |
| Average earning assets | $57,257,000 | 5,576 |
| Average equity | $3,154,670 | 6,355 |
| Average total loans | $6,661,670 | 6,538 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5369% | 6,539 |
| Cost of funding earning assets | 0.3914% | 4,073 |
| Net interest margin | 2.1455% | 6,549 |
| Noninterest income to average assets | 0.3187% | 4,826 |
| Noninterest expense to average assets | 2.3612% | 5,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0260% | 6,234 |
| Return on assets (ROA) | -0.0260% | 6,240 |
| Pretax return on assets | -0.0455% | 6,246 |
| Return on Equity (ROE) | -0.5372% | 6,259 |
| Retained earnings to average equity (ytd only) | -0.5372% | 5,651 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9663% | 430 |
| Assets per employee ($millions) | 4.1419% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0399% | 1,443 |
| 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 | 10.5120% | 6,667 |
| Net loans and leases to deposits | 11.1083% | 6,675 |
| Net loans and leases to core deposits | 11.6579% | 6,665 |
| Total domestic deposits to total assets | 94.6321% | 42 |
| Equity capital to assets | 5.1136% | 6,626 |
| Core capital (leverage) ratio | 6.6123% | 6,529 |
| Tier 1 risk-based capital ratio | 25.5255% | 831 |
| Total risk-based capital ratio | 26.3662% | 861 |
| Memoranda: | ||
| Average total assets | $61,495,000 | 5,671 |
| Average earning assets | $57,235,000 | 5,635 |
| Average equity | $2,978,500 | 6,451 |
| Average total loans | $6,564,500 | 6,610 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3772% | 6,654 |
| Cost of funding earning assets | 0.3849% | 4,805 |
| Net interest margin | 1.9923% | 6,647 |
| Noninterest income to average assets | 0.3345% | 4,939 |
| Noninterest expense to average assets | 2.3660% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.1100% | 6,311 |
| Return on assets (ROA) | -0.0614% | 6,295 |
| Pretax return on assets | -0.0986% | 6,287 |
| Return on Equity (ROE) | -1.0024% | 6,324 |
| Retained earnings to average equity (ytd only) | -1.0024% | 6,062 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9646% | 304 |
| Assets per employee ($millions) | 4.0574% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1046% | 1,324 |
| 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 | 10.3942% | 6,746 |
| Net loans and leases to deposits | 10.9191% | 6,754 |
| Net loans and leases to core deposits | 11.2626% | 6,747 |
| Total domestic deposits to total assets | 95.1923% | 44 |
| Equity capital to assets | 4.5678% | 6,719 |
| Core capital (leverage) ratio | 6.6512% | 6,574 |
| Tier 1 risk-based capital ratio | 25.8749% | 781 |
| Total risk-based capital ratio | 26.7264% | 801 |
| Memoranda: | ||
| Average total assets | $61,876,600 | 5,708 |
| Average earning assets | $57,673,000 | 5,662 |
| Average equity | $3,791,000 | 6,373 |
| Average total loans | $6,629,800 | 6,696 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3262% | 6,746 |
| Cost of funding earning assets | 0.3816% | 4,986 |
| Net interest margin | 1.9446% | 6,740 |
| Noninterest income to average assets | 0.3219% | 5,111 |
| Noninterest expense to average assets | 2.3928% | 5,048 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1633% | 6,443 |
| Return on assets (ROA) | -0.0987% | 6,418 |
| Pretax return on assets | -0.1545% | 6,445 |
| Return on Equity (ROE) | -1.5167% | 6,455 |
| Retained earnings to average equity (ytd only) | -1.5167% | 6,199 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9478% | 240 |
| Assets per employee ($millions) | 4.6568% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 2,019 |
| 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 | 11.6305% | 6,825 |
| Net loans and leases to deposits | 12.2429% | 6,831 |
| Net loans and leases to core deposits | 12.5737% | 6,824 |
| Total domestic deposits to total assets | 94.9983% | 39 |
| Equity capital to assets | 4.7474% | 6,789 |
| Core capital (leverage) ratio | 6.7638% | 6,632 |
| Tier 1 risk-based capital ratio | 25.6576% | 813 |
| Total risk-based capital ratio | 26.5033% | 837 |
| Memoranda: | ||
| Average total assets | $62,130,500 | 5,762 |
| Average earning assets | $58,004,250 | 5,718 |
| Average equity | $4,043,750 | 6,393 |
| Average total loans | $6,671,750 | 6,776 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2750% | 6,805 |
| Cost of funding earning assets | 0.3752% | 5,185 |
| Net interest margin | 1.8998% | 6,791 |
| Noninterest income to average assets | 0.3224% | 5,132 |
| Noninterest expense to average assets | 2.3938% | 5,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1873% | 6,488 |
| Return on assets (ROA) | -0.1117% | 6,460 |
| Pretax return on assets | -0.1755% | 6,480 |
| Return on Equity (ROE) | -1.5788% | 6,498 |
| Retained earnings to average equity (ytd only) | -1.5788% | 6,135 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.9818% | 231 |
| Assets per employee ($millions) | 4.0643% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0684% | 1,705 |
| 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 | 10.5620% | 6,879 |
| Net loans and leases to deposits | 11.3060% | 6,885 |
| Net loans and leases to core deposits | 11.5618% | 6,876 |
| Total domestic deposits to total assets | 93.4191% | 91 |
| Equity capital to assets | 6.2709% | 6,720 |
| Core capital (leverage) ratio | 6.7051% | 6,669 |
| Tier 1 risk-based capital ratio | 26.5213% | 728 |
| Total risk-based capital ratio | 27.3934% | 742 |
| Memoranda: | ||
| Average total assets | $62,661,000 | 5,786 |
| Average earning assets | $58,636,670 | 5,737 |
| Average equity | $4,433,670 | 6,347 |
| Average total loans | $6,503,330 | 6,825 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1829% | 6,896 |
| Cost of funding earning assets | 0.3706% | 5,363 |
| Net interest margin | 1.8123% | 6,888 |
| Noninterest income to average assets | 0.3023% | 5,280 |
| Noninterest expense to average assets | 2.4626% | 4,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3026% | 6,578 |
| Return on assets (ROA) | -0.1512% | 6,529 |
| Pretax return on assets | -0.2330% | 6,560 |
| Return on Equity (ROE) | -2.0257% | 6,559 |
| Retained earnings to average equity (ytd only) | -2.0257% | 6,080 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.3438% | 192 |
| Assets per employee ($millions) | 4.5481% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1283% | 1,735 |
| 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 | 9.8219% | 6,955 |
| Net loans and leases to deposits | 10.7025% | 6,962 |
| Net loans and leases to core deposits | 10.9870% | 6,952 |
| Total domestic deposits to total assets | 91.7722% | 292 |
| Equity capital to assets | 7.2855% | 6,650 |
| Core capital (leverage) ratio | 6.7041% | 6,713 |
| Tier 1 risk-based capital ratio | 27.1679% | 692 |
| Total risk-based capital ratio | 28.0587% | 719 |
| Memoranda: | ||
| Average total assets | $63,509,500 | 5,819 |
| Average earning assets | $59,370,500 | 5,764 |
| Average equity | $4,739,000 | 6,323 |
| Average total loans | $6,467,500 | 6,899 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6181% | 6,900 |
| Cost of funding earning assets | 0.4221% | 5,773 |
| Net interest margin | 2.1960% | 6,877 |
| Noninterest income to average assets | 0.3875% | 4,707 |
| Noninterest expense to average assets | 2.2875% | 5,722 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1042% | 6,007 |
| Return on assets (ROA) | 0.1042% | 6,144 |
| Pretax return on assets | 0.1498% | 6,068 |
| Return on Equity (ROE) | 1.2992% | 6,063 |
| Retained earnings to average equity (ytd only) | 0.8932% | 5,425 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8544% | 807 |
| Assets per employee ($millions) | 3.9591% | 4,034 |
| Cash dividends to net income (ytd only)* | 31.2500% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0779% | 1,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 10.1176% | 7,011 |
| Net loans and leases to deposits | 11.0842% | 7,020 |
| Net loans and leases to core deposits | 11.3835% | 7,012 |
| Total domestic deposits to total assets | 91.2795% | 409 |
| Equity capital to assets | 7.6391% | 6,575 |
| Core capital (leverage) ratio | 6.6413% | 6,770 |
| Tier 1 risk-based capital ratio | 26.6093% | 724 |
| Total risk-based capital ratio | 27.4769% | 743 |
| Memoranda: | ||
| Average total assets | $61,420,600 | 5,885 |
| Average earning assets | $57,331,400 | 5,829 |
| Average equity | $4,926,000 | 6,313 |
| Average total loans | $6,098,000 | 6,973 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6874% | 7,002 |
| Cost of funding earning assets | 0.4335% | 5,910 |
| Net interest margin | 2.2539% | 6,965 |
| Noninterest income to average assets | 0.3960% | 4,668 |
| Noninterest expense to average assets | 2.2864% | 5,725 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1466% | 6,038 |
| Return on assets (ROA) | 0.1466% | 6,194 |
| Pretax return on assets | 0.2144% | 6,097 |
| Return on Equity (ROE) | 1.8055% | 6,077 |
| Retained earnings to average equity (ytd only) | 1.8055% | 5,433 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4261% | 926 |
| Assets per employee ($millions) | 5.4941% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3469% | 1,439 |
| Loan loss allowance to noncurrent loans | 971.4286% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 6,717 |
| Noncurrent loans to loans | 0.2416% | 6,003 |
| Net loans and leases to total assets | 8.5835% | 7,122 |
| Net loans and leases to deposits | 9.4091% | 7,129 |
| Net loans and leases to core deposits | 9.6524% | 7,123 |
| Total domestic deposits to total assets | 91.2254% | 349 |
| Equity capital to assets | 7.5687% | 6,757 |
| Core capital (leverage) ratio | 6.9933% | 6,796 |
| Tier 1 risk-based capital ratio | 26.6303% | 766 |
| Total risk-based capital ratio | 27.4938% | 785 |
| Memoranda: | ||
| Average total assets | $60,939,500 | 5,969 |
| Average earning assets | $56,906,000 | 5,909 |
| Average equity | $4,947,750 | 6,375 |
| Average total loans | $5,986,250 | 7,072 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8353% | 7,033 |
| Cost of funding earning assets | 0.4538% | 5,947 |
| Net interest margin | 2.3815% | 6,968 |
| Noninterest income to average assets | 0.4285% | 4,442 |
| Noninterest expense to average assets | 2.3652% | 5,578 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1889% | 5,949 |
| Return on assets (ROA) | 0.1889% | 6,125 |
| Pretax return on assets | 0.2767% | 6,001 |
| Return on Equity (ROE) | 2.2701% | 5,959 |
| Retained earnings to average equity (ytd only) | 2.2701% | 5,060 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5275% | 1,111 |
| Assets per employee ($millions) | 4.4820% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4421% | 1,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 9.3245% | 7,186 |
| Net loans and leases to deposits | 10.3450% | 7,191 |
| Net loans and leases to core deposits | 10.7164% | 7,185 |
| Total domestic deposits to total assets | 90.1349% | 849 |
| Equity capital to assets | 8.5556% | 6,159 |
| Core capital (leverage) ratio | 7.0934% | 6,792 |
| Tier 1 risk-based capital ratio | 29.9728% | 521 |
| Total risk-based capital ratio | 30.9473% | 522 |
| Memoranda: | ||
| Average total assets | $59,276,330 | 6,041 |
| Average earning assets | $55,090,330 | 5,994 |
| Average equity | $4,933,670 | 6,408 |
| Average total loans | $6,050,000 | 7,129 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8629% | 7,090 |
| Cost of funding earning assets | 0.4532% | 6,127 |
| Net interest margin | 2.4097% | 7,008 |
| Noninterest income to average assets | 0.4015% | 4,659 |
| Noninterest expense to average assets | 2.3084% | 5,746 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2275% | 5,895 |
| Return on assets (ROA) | 0.2275% | 6,040 |
| Pretax return on assets | 0.3346% | 5,897 |
| Return on Equity (ROE) | 2.7710% | 5,796 |
| Retained earnings to average equity (ytd only) | 2.7710% | 4,869 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3418% | 1,349 |
| Assets per employee ($millions) | 4.9106% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1858% | 1,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 10.3280% | 7,236 |
| Net loans and leases to deposits | 11.4457% | 7,245 |
| Net loans and leases to core deposits | 11.8527% | 7,238 |
| Total domestic deposits to total assets | 90.2354% | 950 |
| Equity capital to assets | 8.2543% | 6,310 |
| Core capital (leverage) ratio | 7.0432% | 6,825 |
| Tier 1 risk-based capital ratio | 29.9460% | 525 |
| Total risk-based capital ratio | 30.9248% | 527 |
| Memoranda: | ||
| Average total assets | $59,781,500 | 6,073 |
| Average earning assets | $55,607,500 | 6,013 |
| Average equity | $4,908,000 | 6,451 |
| Average total loans | $6,290,500 | 7,184 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2682% | 7,099 |
| Cost of funding earning assets | 0.5565% | 6,306 |
| Net interest margin | 2.7117% | 6,911 |
| Noninterest income to average assets | 0.9447% | 1,518 |
| Noninterest expense to average assets | 2.5767% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6249% | 3,860 |
| Return on assets (ROA) | 0.8244% | 3,100 |
| Pretax return on assets | 1.2324% | 2,347 |
| Return on Equity (ROE) | 10.3943% | 1,922 |
| Retained earnings to average equity (ytd only) | 8.9184% | 829 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3810% | 3,329 |
| Assets per employee ($millions) | 4.6643% | 2,660 |
| Cash dividends to net income (ytd only)* | 14.1988% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1387% | 1,914 |
| 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 | 10.2629% | 7,290 |
| Net loans and leases to deposits | 11.3672% | 7,296 |
| Net loans and leases to core deposits | 11.6974% | 7,287 |
| Total domestic deposits to total assets | 90.2846% | 826 |
| Equity capital to assets | 8.1668% | 6,467 |
| Core capital (leverage) ratio | 7.0223% | 6,857 |
| Tier 1 risk-based capital ratio | 31.5882% | 443 |
| Total risk-based capital ratio | 32.6292% | 447 |
| Memoranda: | ||
| Average total assets | $59,804,200 | 6,045 |
| Average earning assets | $56,606,800 | 5,957 |
| Average equity | $4,743,000 | 6,522 |
| Average total loans | $7,236,600 | 7,205 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3725% | 7,149 |
| Cost of funding earning assets | 0.5872% | 6,341 |
| Net interest margin | 2.7852% | 6,901 |
| Noninterest income to average assets | 1.0962% | 1,109 |
| Noninterest expense to average assets | 2.6489% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7296% | 3,465 |
| Return on assets (ROA) | 0.8300% | 3,183 |
| Pretax return on assets | 1.2394% | 2,490 |
| Return on Equity (ROE) | 10.5452% | 2,014 |
| Retained earnings to average equity (ytd only) | 8.5556% | 1,296 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8558% | 3,774 |
| Assets per employee ($millions) | 5.0071% | 2,184 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0923% | 2,078 |
| 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 | 10.5917% | 7,363 |
| Net loans and leases to deposits | 11.7686% | 7,372 |
| Net loans and leases to core deposits | 12.1138% | 7,362 |
| Total domestic deposits to total assets | 89.9992% | 867 |
| Equity capital to assets | 8.4530% | 6,346 |
| Core capital (leverage) ratio | 6.8551% | 6,992 |
| Tier 1 risk-based capital ratio | 31.3995% | 478 |
| Total risk-based capital ratio | 32.4657% | 475 |
| Memoranda: | ||
| Average total assets | $59,596,250 | 6,103 |
| Average earning assets | $56,534,750 | 6,011 |
| Average equity | $4,690,750 | 6,587 |
| Average total loans | $7,456,000 | 7,270 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3817% | 7,220 |
| Cost of funding earning assets | 0.6065% | 6,424 |
| Net interest margin | 2.7751% | 6,956 |
| Noninterest income to average assets | 1.4302% | 619 |
| Noninterest expense to average assets | 2.7022% | 4,815 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9220% | 2,549 |
| Return on assets (ROA) | 0.9220% | 2,652 |
| Pretax return on assets | 1.3763% | 1,872 |
| Return on Equity (ROE) | 12.0140% | 1,486 |
| Retained earnings to average equity (ytd only) | 8.9448% | 1,124 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2541% | 4,827 |
| Assets per employee ($millions) | 4.6109% | 2,670 |
| Cash dividends to net income (ytd only)* | 25.5474% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8824% | 2,722 |
| Loan loss allowance to noncurrent loans | 95.1049% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 6,535 |
| Noncurrent loans to loans | 1.9792% | 3,513 |
| Net loans and leases to total assets | 11.8264% | 7,433 |
| Net loans and leases to deposits | 13.0776% | 7,445 |
| Net loans and leases to core deposits | 13.4590% | 7,436 |
| Total domestic deposits to total assets | 90.4324% | 745 |
| Equity capital to assets | 8.1379% | 6,559 |
| Core capital (leverage) ratio | 6.6075% | 7,103 |
| Tier 1 risk-based capital ratio | 29.1751% | 584 |
| Total risk-based capital ratio | 30.1904% | 592 |
| Memoranda: | ||
| Average total assets | $59,433,330 | 6,160 |
| Average earning assets | $56,717,670 | 6,066 |
| Average equity | $4,561,330 | 6,665 |
| Average total loans | $7,774,670 | 7,338 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3407% | 7,295 |
| Cost of funding earning assets | 0.6340% | 6,460 |
| Net interest margin | 2.7068% | 7,010 |
| Noninterest income to average assets | 2.4130% | 283 |
| Noninterest expense to average assets | 2.8050% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4465% | 995 |
| Return on assets (ROA) | 1.4465% | 1,031 |
| Pretax return on assets | 2.1764% | 415 |
| Return on Equity (ROE) | 19.4413% | 367 |
| Retained earnings to average equity (ytd only) | 19.4413% | 179 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3094% | 6,468 |
| Assets per employee ($millions) | 4.5385% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7890% | 3,046 |
| Loan loss allowance to noncurrent loans | 95.1049% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 6,569 |
| Noncurrent loans to loans | 1.8811% | 3,722 |
| Net loans and leases to total assets | 12.6542% | 7,486 |
| Net loans and leases to deposits | 13.8675% | 7,499 |
| Net loans and leases to core deposits | 14.1651% | 7,487 |
| Total domestic deposits to total assets | 91.2508% | 511 |
| Equity capital to assets | 7.6390% | 6,792 |
| Core capital (leverage) ratio | 6.7822% | 7,085 |
| Tier 1 risk-based capital ratio | 27.6305% | 658 |
| Total risk-based capital ratio | 28.5896% | 665 |
| Memoranda: | ||
| Average total assets | $59,179,000 | 6,210 |
| Average earning assets | $56,155,500 | 6,126 |
| Average equity | $4,403,000 | 6,743 |
| Average total loans | $8,049,500 | 7,382 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 7,253 |
| Cost of funding earning assets | 0.8413% | 6,397 |
| Net interest margin | 2.9575% | 6,810 |
| Noninterest income to average assets | 0.3939% | 4,951 |
| Noninterest expense to average assets | 2.7661% | 4,723 |
| Loan and lease loss provision to assets | 0.0121% | 6,972 |
| Net operating income to assets | 0.2833% | 4,987 |
| Return on assets (ROA) | 0.2833% | 5,156 |
| Pretax return on assets | 0.3974% | 4,950 |
| Return on Equity (ROE) | 3.7202% | 4,648 |
| Retained earnings to average equity (ytd only) | 2.5860% | 4,050 |
| Net charge-offs to loans | 0.0324% | 6,480 |
| Credit loss provision to net charge-offs | 233.3333% | 1,258 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 307 |
| Efficiency ratio | 87.1055% | 1,563 |
| Assets per employee ($millions) | 4.5660% | 2,765 |
| Cash dividends to net income (ytd only)* | 30.4878% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 3,567 |
| Loan loss allowance to noncurrent loans | 93.1507% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 6,621 |
| Noncurrent loans to loans | 1.7183% | 3,926 |
| Net loans and leases to total assets | 14.0857% | 7,569 |
| Net loans and leases to deposits | 15.3469% | 7,582 |
| Net loans and leases to core deposits | 16.0369% | 7,568 |
| Total domestic deposits to total assets | 91.7821% | 331 |
| Equity capital to assets | 7.2425% | 7,017 |
| Core capital (leverage) ratio | 6.3156% | 7,241 |
| Tier 1 risk-based capital ratio | 23.2328% | 1,008 |
| Total risk-based capital ratio | 24.0858% | 1,042 |
| Memoranda: | ||
| Average total assets | $57,880,200 | 6,280 |
| Average earning assets | $54,438,200 | 6,197 |
| Average equity | $4,408,400 | 6,850 |
| Average total loans | $9,265,400 | 7,422 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 7,312 |
| Cost of funding earning assets | 0.8686% | 6,511 |
| Net interest margin | 3.0859% | 6,648 |
| Noninterest income to average assets | 0.3964% | 4,984 |
| Noninterest expense to average assets | 2.7959% | 4,504 |
| Loan and lease loss provision to assets | 0.0162% | 6,881 |
| Net operating income to assets | 0.3385% | 5,013 |
| Return on assets (ROA) | 0.3385% | 5,189 |
| Pretax return on assets | 0.4753% | 5,005 |
| Return on Equity (ROE) | 4.3884% | 4,601 |
| Retained earnings to average equity (ytd only) | 2.8856% | 4,404 |
| Net charge-offs to loans | 0.0423% | 6,120 |
| Credit loss provision to net charge-offs | 233.3333% | 1,456 |
| Earnings coverage of net charge-offs (x) | 70.6650% | 426 |
| Efficiency ratio | 85.0494% | 1,725 |
| Assets per employee ($millions) | 4.2483% | 3,357 |
| Cash dividends to net income (ytd only)* | 34.2495% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 3,732 |
| 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 | 14.4075% | 7,670 |
| Net loans and leases to deposits | 15.8377% | 7,686 |
| Net loans and leases to core deposits | 16.7783% | 7,671 |
| Total domestic deposits to total assets | 90.9695% | 462 |
| Equity capital to assets | 7.7342% | 6,979 |
| Core capital (leverage) ratio | 6.3777% | 7,365 |
| Tier 1 risk-based capital ratio | 23.0361% | 1,065 |
| Total risk-based capital ratio | 23.8860% | 1,085 |
| Memoranda: | ||
| Average total assets | $57,510,750 | 6,371 |
| Average earning assets | $53,878,750 | 6,281 |
| Average equity | $4,435,750 | 6,931 |
| Average total loans | $9,457,500 | 7,512 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 7,334 |
| Cost of funding earning assets | 0.8876% | 6,632 |
| Net interest margin | 3.1441% | 6,479 |
| Noninterest income to average assets | 0.4116% | 4,816 |
| Noninterest expense to average assets | 2.8423% | 4,303 |
| Loan and lease loss provision to assets | 0.0141% | 6,772 |
| Net operating income to assets | 0.3694% | 4,896 |
| Return on assets (ROA) | 0.3694% | 5,057 |
| Pretax return on assets | 0.5206% | 4,842 |
| Return on Equity (ROE) | 4.7934% | 4,389 |
| Retained earnings to average equity (ytd only) | 2.5108% | 4,557 |
| Net charge-offs to loans | 0.0412% | 5,800 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 413 |
| Efficiency ratio | 84.1667% | 1,902 |
| Assets per employee ($millions) | 3.8067% | 4,207 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 4,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 17.1103% | 7,716 |
| Net loans and leases to deposits | 18.8905% | 7,738 |
| Net loans and leases to core deposits | 19.7994% | 7,728 |
| Total domestic deposits to total assets | 90.5762% | 655 |
| Equity capital to assets | 8.1086% | 6,647 |
| Core capital (leverage) ratio | 6.5437% | 7,370 |
| Tier 1 risk-based capital ratio | 21.8861% | 1,221 |
| Total risk-based capital ratio | 22.6904% | 1,255 |
| Memoranda: | ||
| Average total assets | $56,855,670 | 6,438 |
| Average earning assets | $53,625,000 | 6,341 |
| Average equity | $4,381,000 | 6,984 |
| Average total loans | $9,708,670 | 7,565 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 7,385 |
| Cost of funding earning assets | 0.9332% | 6,642 |
| Net interest margin | 3.1532% | 6,444 |
| Noninterest income to average assets | 0.4019% | 4,905 |
| Noninterest expense to average assets | 2.8414% | 4,314 |
| Loan and lease loss provision to assets | 0.0141% | 6,478 |
| Net operating income to assets | 0.3455% | 5,101 |
| Return on assets (ROA) | 0.3455% | 5,224 |
| Pretax return on assets | 0.5006% | 4,957 |
| Return on Equity (ROE) | 4.6047% | 4,588 |
| Retained earnings to average equity (ytd only) | -0.0940% | 5,854 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6639% | 1,955 |
| Assets per employee ($millions) | 3.5378% | 4,951 |
| Cash dividends to net income (ytd only)* | 102.0408% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 4,132 |
| 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 | 15.9809% | 7,824 |
| Net loans and leases to deposits | 17.5012% | 7,846 |
| Net loans and leases to core deposits | 18.2438% | 7,830 |
| Total domestic deposits to total assets | 91.3135% | 437 |
| Equity capital to assets | 7.6265% | 6,978 |
| Core capital (leverage) ratio | 6.4361% | 7,487 |
| Tier 1 risk-based capital ratio | 21.5219% | 1,267 |
| Total risk-based capital ratio | 22.3255% | 1,303 |
| Memoranda: | ||
| Average total assets | $56,733,500 | 6,515 |
| Average earning assets | $53,152,500 | 6,433 |
| Average equity | $4,256,500 | 7,096 |
| Average total loans | $9,611,000 | 7,667 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 7,342 |
| Cost of funding earning assets | 1.1698% | 6,766 |
| Net interest margin | 3.3765% | 5,462 |
| Noninterest income to average assets | 0.4338% | 4,920 |
| Noninterest expense to average assets | 3.3250% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1828% | 4,955 |
| Return on assets (ROA) | 0.1828% | 5,024 |
| Pretax return on assets | 0.2492% | 4,892 |
| Return on Equity (ROE) | 2.4996% | 4,708 |
| Retained earnings to average equity (ytd only) | 2.4996% | 3,393 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0291% | 1,482 |
| Assets per employee ($millions) | 3.5539% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 4,676 |
| 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 | 17.4282% | 7,888 |
| Net loans and leases to deposits | 19.0047% | 7,917 |
| Net loans and leases to core deposits | 22.8236% | 7,908 |
| Total domestic deposits to total assets | 91.7045% | 327 |
| Equity capital to assets | 7.3793% | 7,135 |
| Core capital (leverage) ratio | 6.4811% | 7,501 |
| Tier 1 risk-based capital ratio | 19.9234% | 1,475 |
| Total risk-based capital ratio | 20.6560% | 1,533 |
| Memoranda: | ||
| Average total assets | $55,789,000 | 6,500 |
| Average earning assets | $51,888,400 | 6,465 |
| Average equity | $4,080,600 | 7,257 |
| Average total loans | $9,018,600 | 7,739 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 7,421 |
| Cost of funding earning assets | 1.2104% | 6,860 |
| Net interest margin | 3.3861% | 5,328 |
| Noninterest income to average assets | 0.4443% | 4,939 |
| Noninterest expense to average assets | 3.3692% | 2,669 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1681% | 5,259 |
| Return on assets (ROA) | 0.1681% | 5,327 |
| Pretax return on assets | 0.2257% | 5,240 |
| Return on Equity (ROE) | 2.3034% | 5,061 |
| Retained earnings to average equity (ytd only) | 2.3034% | 4,036 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7208% | 1,420 |
| Assets per employee ($millions) | 3.2313% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 4,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 17.5617% | 7,972 |
| Net loans and leases to deposits | 19.2563% | 8,001 |
| Net loans and leases to core deposits | 23.4932% | 7,977 |
| Total domestic deposits to total assets | 91.2000% | 346 |
| Equity capital to assets | 7.6604% | 7,182 |
| Core capital (leverage) ratio | 6.6217% | 7,621 |
| Tier 1 risk-based capital ratio | 19.8593% | 1,590 |
| Total risk-based capital ratio | 20.5963% | 1,643 |
| Memoranda: | ||
| Average total assets | $55,520,750 | 6,561 |
| Average earning assets | $51,660,250 | 6,512 |
| Average equity | $4,051,750 | 7,339 |
| Average total loans | $8,762,750 | 7,830 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6743% | 7,419 |
| Cost of funding earning assets | 1.2547% | 6,943 |
| Net interest margin | 3.4195% | 5,097 |
| Noninterest income to average assets | 0.4307% | 5,021 |
| Noninterest expense to average assets | 3.5070% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0826% | 5,616 |
| Return on assets (ROA) | 0.0826% | 5,710 |
| Pretax return on assets | 0.0933% | 5,693 |
| Return on Equity (ROE) | 1.1501% | 5,592 |
| Retained earnings to average equity (ytd only) | 1.1501% | 4,694 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4078% | 1,297 |
| Assets per employee ($millions) | 3.1875% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 3,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 15.8045% | 8,074 |
| Net loans and leases to deposits | 17.1871% | 8,096 |
| Net loans and leases to core deposits | 21.2196% | 8,081 |
| Total domestic deposits to total assets | 91.9556% | 224 |
| Equity capital to assets | 7.1179% | 7,543 |
| Core capital (leverage) ratio | 6.5584% | 7,767 |
| Tier 1 risk-based capital ratio | 21.0004% | 1,394 |
| Total risk-based capital ratio | 21.7901% | 1,439 |
| Memoranda: | ||
| Average total assets | $55,717,000 | 6,606 |
| Average earning assets | $51,644,330 | 6,572 |
| Average equity | $3,999,670 | 7,417 |
| Average total loans | $8,424,000 | 7,931 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7599% | 7,424 |
| Cost of funding earning assets | 1.2912% | 7,040 |
| Net interest margin | 3.4687% | 4,855 |
| Noninterest income to average assets | 0.4249% | 5,005 |
| Noninterest expense to average assets | 3.6189% | 1,828 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0212% | 6,202 |
| Return on assets (ROA) | 0.0212% | 6,362 |
| Pretax return on assets | 0.0212% | 6,341 |
| Return on Equity (ROE) | 0.2948% | 6,337 |
| Retained earnings to average equity (ytd only) | 0.2948% | 5,539 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4163% | 1,160 |
| Assets per employee ($millions) | 2.8667% | 6,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 2,409 |
| 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 | 14.6382% | 8,134 |
| Net loans and leases to deposits | 15.9978% | 8,158 |
| Net loans and leases to core deposits | 19.3322% | 8,144 |
| Total domestic deposits to total assets | 91.5013% | 276 |
| Equity capital to assets | 7.5036% | 7,352 |
| Core capital (leverage) ratio | 6.3865% | 7,916 |
| Tier 1 risk-based capital ratio | 21.6563% | 1,346 |
| Total risk-based capital ratio | 22.4752% | 1,381 |
| Memoranda: | ||
| Average total assets | $56,482,000 | 6,609 |
| Average earning assets | $52,353,500 | 6,558 |
| Average equity | $4,071,000 | 7,431 |
| Average total loans | $8,288,000 | 7,985 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7846% | 7,947 |
| Cost of funding earning assets | 1.8808% | 6,787 |
| Net interest margin | 2.9038% | 7,147 |
| Noninterest income to average assets | 0.4892% | 4,698 |
| Noninterest expense to average assets | 3.0884% | 3,745 |
| Loan and lease loss provision to assets | -0.1029% | 8,256 |
| Net operating income to assets | 0.1949% | 5,864 |
| Return on assets (ROA) | 0.1949% | 5,680 |
| Pretax return on assets | 0.2653% | 5,587 |
| Return on Equity (ROE) | 3.1216% | 5,186 |
| Retained earnings to average equity (ytd only) | 0.2312% | 5,090 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0028% | 1,220 |
| Assets per employee ($millions) | 3.4410% | 4,822 |
| Cash dividends to net income (ytd only)* | 92.5926% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 2,411 |
| 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% | 7,569 |
| Net loans and leases to total assets | 14.2554% | 8,195 |
| Net loans and leases to deposits | 15.4727% | 8,212 |
| Net loans and leases to core deposits | 18.2245% | 8,208 |
| Total domestic deposits to total assets | 92.1329% | 115 |
| Equity capital to assets | 6.9320% | 7,767 |
| Core capital (leverage) ratio | 6.2156% | 8,016 |
| Tier 1 risk-based capital ratio | 20.5733% | 1,526 |
| Total risk-based capital ratio | 21.3519% | 1,566 |
| Memoranda: | ||
| Average total assets | $55,401,000 | 6,557 |
| Average earning assets | $52,689,600 | 6,477 |
| Average equity | $3,459,800 | 7,697 |
| Average total loans | $8,767,800 | 8,000 |