Home > Clay County Savings Bank > Performance and Condition Ratios
Clay County Savings 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 | 3.9587% | 4,022 |
| Cost of funding earning assets | 1.2910% | 2,543 |
| Net interest margin | 2.6677% | 3,866 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.8377% | 1,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0101% | 4,320 |
| Return on assets (ROA) | 0.0101% | 4,346 |
| Pretax return on assets | -0.0526% | 4,383 |
| Return on Equity (ROE) | 0.1600% | 4,329 |
| Retained earnings to average equity (ytd only) | -1.0905% | 4,195 |
| Net charge-offs to loans | 0.1254% | 785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -0.6694% | 4,527 |
| Efficiency ratio | 101.8885% | 167 |
| Assets per employee ($millions) | 4.7632% | 3,796 |
| Cash dividends to net income (ytd only)* | 781.2500% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 2,791 |
| Loan loss allowance to noncurrent loans | 591.0526% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 2,711 |
| Noncurrent loans to loans | 0.1874% | 2,578 |
| Net loans and leases to total assets | 65.8000% | 2,276 |
| Net loans and leases to deposits | 86.8749% | 1,546 |
| Net loans and leases to core deposits | 88.8388% | 2,126 |
| Total domestic deposits to total assets | 75.7400% | 3,967 |
| Equity capital to assets | 6.8376% | 4,005 |
| Core capital (leverage) ratio | 7.7323% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3484% | 2,120 |
| Memoranda: | ||
| Average total assets | $157,803,800 | 3,297 |
| Average earning assets | $144,616,600 | 3,296 |
| Average equity | $9,995,200 | 3,719 |
| Average total loans | $98,911,400 | 3,189 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22,373.0000% | 28 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | -0.0628% | 4,447 |
| Pretax return on assets | -0.1458% | 4,461 |
| Return on Equity (ROE) | -1.0100% | 4,427 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 16.7729% | 4,559 |
| Assets per employee ($millions) | 0.1871% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 739.0000% | 12 |
| Equity capital to assets | 24,227.0000% | 16 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $6,541,000 | 4,602 |
| Average earning assets | $9,473 | 4,590 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8535% | 3,941 |
| Cost of funding earning assets | 1.1683% | 2,082 |
| Net interest margin | 2.6853% | 3,994 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.9640% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.0947% | 4,511 |
| Return on assets (ROA) | -0.0947% | 4,499 |
| Pretax return on assets | -0.1844% | 4,509 |
| Return on Equity (ROE) | -1.5200% | 4,484 |
| Retained earnings to average equity (ytd only) | -4.0224% | 4,391 |
| Net charge-offs to loans | 0.2543% | 328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -1.1935% | 4,613 |
| Efficiency ratio | 106.6338% | 113 |
| Assets per employee ($millions) | 4.8472% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 2,744 |
| Loan loss allowance to noncurrent loans | 399.6441% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 2,400 |
| Noncurrent loans to loans | 0.2858% | 2,122 |
| Net loans and leases to total assets | 57.2900% | 3,023 |
| Net loans and leases to deposits | 66.9562% | 2,997 |
| Net loans and leases to core deposits | 67.7044% | 3,247 |
| Total domestic deposits to total assets | 85.5600% | 2,378 |
| Equity capital to assets | 5.7801% | 4,205 |
| Core capital (leverage) ratio | 7.4925% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5986% | 2,434 |
| Memoranda: | ||
| Average total assets | $160,528,333 | 3,292 |
| Average earning assets | $147,397,667 | 3,300 |
| Average equity | $9,994,000 | 3,744 |
| Average total loans | $97,509,333 | 3,200 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8735% | 3,733 |
| Cost of funding earning assets | 1.1646% | 1,551 |
| Net interest margin | 2.7089% | 4,061 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.8416% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0359% | 4,460 |
| Return on assets (ROA) | 0.0359% | 4,445 |
| Pretax return on assets | -0.0539% | 4,488 |
| Return on Equity (ROE) | 0.5600% | 4,416 |
| Retained earnings to average equity (ytd only) | -4.4013% | 4,306 |
| Net charge-offs to loans | 0.5108% | 158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -0.1694% | 4,641 |
| Efficiency ratio | 101.9319% | 153 |
| Assets per employee ($millions) | 4.4109% | 4,071 |
| Cash dividends to net income (ytd only)* | 892.8571% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 2,765 |
| Loan loss allowance to noncurrent loans | 1,182.1053% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,184 |
| Noncurrent loans to loans | 0.0982% | 3,053 |
| Net loans and leases to total assets | 60.2200% | 2,624 |
| Net loans and leases to deposits | 64.4385% | 3,050 |
| Net loans and leases to core deposits | 65.1395% | 3,280 |
| Total domestic deposits to total assets | 93.4600% | 240 |
| Equity capital to assets | 6.4505% | 4,046 |
| Core capital (leverage) ratio | 7.4997% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6793% | 2,105 |
| Memoranda: | ||
| Average total assets | $155,966,500 | 3,376 |
| Average earning assets | $143,230,000 | 3,371 |
| Average equity | $10,088,000 | 3,776 |
| Average total loans | $97,108,000 | 3,241 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2657% | 3,675 |
| Cost of funding earning assets | 0.3772% | 2,282 |
| Net interest margin | 2.8885% | 3,706 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.7382% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3524% | 4,307 |
| Return on assets (ROA) | 0.3524% | 4,273 |
| Pretax return on assets | 0.3739% | 4,308 |
| Return on Equity (ROE) | 5.1200% | 3,998 |
| Retained earnings to average equity (ytd only) | 0.3789% | 4,289 |
| Net charge-offs to loans | -0.0219% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.9849% | 360 |
| Assets per employee ($millions) | 4.1389% | 4,230 |
| Cash dividends to net income (ytd only)* | 92.5926% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 1,992 |
| Loan loss allowance to noncurrent loans | 1,433.3333% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 3,236 |
| Noncurrent loans to loans | 0.0893% | 3,118 |
| Net loans and leases to total assets | 62.8300% | 2,346 |
| Net loans and leases to deposits | 69.7814% | 2,599 |
| Net loans and leases to core deposits | 70.8523% | 2,813 |
| Total domestic deposits to total assets | 90.0400% | 1,349 |
| Equity capital to assets | 6.4863% | 3,899 |
| Core capital (leverage) ratio | 8.0553% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7014% | 2,088 |
| Memoranda: | ||
| Average total assets | $153,240,200 | 3,412 |
| Average earning assets | $141,562,200 | 3,401 |
| Average equity | $10,557,000 | 3,804 |
| Average total loans | $91,283,200 | 3,274 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1447% | 3,568 |
| Cost of funding earning assets | 0.2967% | 2,206 |
| Net interest margin | 2.8479% | 3,631 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.7455% | 1,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3628% | 4,301 |
| Return on assets (ROA) | 0.3628% | 4,249 |
| Pretax return on assets | 0.3932% | 4,271 |
| Return on Equity (ROE) | 5.1900% | 3,945 |
| Retained earnings to average equity (ytd only) | 0.5227% | 4,269 |
| Net charge-offs to loans | -0.0297% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.4723% | 401 |
| Assets per employee ($millions) | 4.0833% | 4,281 |
| Cash dividends to net income (ytd only)* | 89.9281% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 1,758 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 59.8000% | 2,526 |
| Net loans and leases to deposits | 63.9357% | 2,871 |
| Net loans and leases to core deposits | 64.8899% | 3,042 |
| Total domestic deposits to total assets | 93.5300% | 452 |
| Equity capital to assets | 6.3469% | 3,820 |
| Core capital (leverage) ratio | 7.8510% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0551% | 1,693 |
| Memoranda: | ||
| Average total assets | $153,265,500 | 3,436 |
| Average earning assets | $141,993,750 | 3,423 |
| Average equity | $10,713,000 | 3,839 |
| Average total loans | $89,738,250 | 3,301 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0309% | 3,473 |
| Cost of funding earning assets | 0.2071% | 2,821 |
| Net interest margin | 2.8238% | 3,368 |
| Noninterest income to average assets | 0.5844% | 1,807 |
| Noninterest expense to average assets | 2.7131% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4065% | 4,096 |
| Return on assets (ROA) | 0.4065% | 4,046 |
| Pretax return on assets | 0.4922% | 4,012 |
| Return on Equity (ROE) | 5.6459% | 3,672 |
| Retained earnings to average equity (ytd only) | 1.1364% | 3,965 |
| Net charge-offs to loans | -0.0449% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6434% | 643 |
| Assets per employee ($millions) | 4.2240% | 4,257 |
| Cash dividends to net income (ytd only)* | 79.8722% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 1,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 54.9507% | 2,868 |
| Net loans and leases to deposits | 58.7554% | 3,158 |
| Net loans and leases to core deposits | 59.6954% | 3,293 |
| Total domestic deposits to total assets | 93.5245% | 385 |
| Equity capital to assets | 6.3658% | 4,075 |
| Core capital (leverage) ratio | 7.4643% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5281% | 1,855 |
| Memoranda: | ||
| Average total assets | $153,993,667 | 3,461 |
| Average earning assets | $142,929,000 | 3,466 |
| Average equity | $11,087,667 | 3,881 |
| Average total loans | $89,121,000 | 3,337 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9316% | 3,450 |
| Cost of funding earning assets | 0.1490% | 3,517 |
| Net interest margin | 2.7826% | 3,190 |
| Noninterest income to average assets | 0.8279% | 975 |
| Noninterest expense to average assets | 2.7784% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5015% | 3,714 |
| Return on assets (ROA) | 0.5015% | 3,678 |
| Pretax return on assets | 0.6263% | 3,563 |
| Return on Equity (ROE) | 6.5611% | 3,175 |
| Retained earnings to average equity (ytd only) | 2.2217% | 3,487 |
| Net charge-offs to loans | -0.0899% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6056% | 1,019 |
| Assets per employee ($millions) | 4.6233% | 4,059 |
| Cash dividends to net income (ytd only)* | 66.1376% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 1,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 54.5206% | 2,689 |
| Net loans and leases to deposits | 58.6010% | 3,024 |
| Net loans and leases to core deposits | 59.5350% | 3,185 |
| Total domestic deposits to total assets | 93.0371% | 264 |
| Equity capital to assets | 6.8461% | 4,282 |
| Core capital (leverage) ratio | 7.7617% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8119% | 1,868 |
| Memoranda: | ||
| Average total assets | $150,734,000 | 3,510 |
| Average earning assets | $139,583,000 | 3,507 |
| Average equity | $11,522,500 | 3,904 |
| Average total loans | $88,956,500 | 3,345 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1055% | 3,675 |
| Cost of funding earning assets | 0.1648% | 3,820 |
| Net interest margin | 2.9407% | 3,346 |
| Noninterest income to average assets | 0.5528% | 2,348 |
| Noninterest expense to average assets | 2.8139% | 1,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3168% | 4,404 |
| Return on assets (ROA) | 0.3168% | 4,425 |
| Pretax return on assets | 0.3989% | 4,390 |
| Return on Equity (ROE) | 3.8127% | 4,246 |
| Retained earnings to average equity (ytd only) | 1.1131% | 4,231 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5832% | 402 |
| Assets per employee ($millions) | 3.8793% | 4,460 |
| Cash dividends to net income (ytd only)* | 70.8061% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 1,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 62.4522% | 1,888 |
| Net loans and leases to deposits | 68.3476% | 2,276 |
| Net loans and leases to core deposits | 69.6354% | 2,485 |
| Total domestic deposits to total assets | 91.3744% | 358 |
| Equity capital to assets | 8.5690% | 4,007 |
| Core capital (leverage) ratio | 8.2361% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7491% | 1,599 |
| Memoranda: | ||
| Average total assets | $144,886,400 | 3,534 |
| Average earning assets | $131,057,200 | 3,562 |
| Average equity | $12,038,800 | 3,927 |
| Average total loans | $84,632,600 | 3,405 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0648% | 3,881 |
| Cost of funding earning assets | 0.1722% | 3,903 |
| Net interest margin | 2.8926% | 3,570 |
| Noninterest income to average assets | 0.5700% | 2,336 |
| Noninterest expense to average assets | 2.8017% | 1,336 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2955% | 4,525 |
| Return on assets (ROA) | 0.2955% | 4,546 |
| Pretax return on assets | 0.3730% | 4,524 |
| Return on Equity (ROE) | 3.5830% | 4,374 |
| Retained earnings to average equity (ytd only) | 1.3713% | 4,333 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2505% | 367 |
| Assets per employee ($millions) | 4.3250% | 4,248 |
| Cash dividends to net income (ytd only)* | 61.7284% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 2,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 58.0575% | 2,488 |
| Net loans and leases to deposits | 63.2013% | 2,937 |
| Net loans and leases to core deposits | 64.2911% | 3,110 |
| Total domestic deposits to total assets | 91.8612% | 156 |
| Equity capital to assets | 8.0080% | 4,520 |
| Core capital (leverage) ratio | 8.1602% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9980% | 1,616 |
| Memoranda: | ||
| Average total assets | $146,194,500 | 3,557 |
| Average earning assets | $131,642,250 | 3,600 |
| Average equity | $12,056,750 | 3,978 |
| Average total loans | $83,679,750 | 3,464 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0169% | 4,011 |
| Cost of funding earning assets | 0.1871% | 3,880 |
| Net interest margin | 2.8298% | 3,723 |
| Noninterest income to average assets | 0.5897% | 2,266 |
| Noninterest expense to average assets | 2.8283% | 1,296 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2533% | 4,576 |
| Return on assets (ROA) | 0.2533% | 4,596 |
| Pretax return on assets | 0.3156% | 4,573 |
| Return on Equity (ROE) | 3.0411% | 4,469 |
| Retained earnings to average equity (ytd only) | 0.9639% | 4,350 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9604% | 345 |
| Assets per employee ($millions) | 4.2671% | 4,281 |
| Cash dividends to net income (ytd only)* | 68.3060% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 1,735 |
| 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 | 55.5746% | 2,956 |
| Net loans and leases to deposits | 60.5390% | 3,346 |
| Net loans and leases to core deposits | 61.5003% | 3,506 |
| Total domestic deposits to total assets | 91.7996% | 166 |
| Equity capital to assets | 8.0892% | 4,483 |
| Core capital (leverage) ratio | 7.9320% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,468,000 | 3,580 |
| Average earning assets | $130,397,000 | 3,621 |
| Average equity | $12,035,000 | 3,982 |
| Average total loans | $81,869,333 | 3,517 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0482% | 3,990 |
| Cost of funding earning assets | 0.1972% | 3,940 |
| Net interest margin | 2.8510% | 3,635 |
| Noninterest income to average assets | 0.6111% | 2,162 |
| Noninterest expense to average assets | 2.8304% | 1,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2788% | 4,545 |
| Return on assets (ROA) | 0.2788% | 4,576 |
| Pretax return on assets | 0.3464% | 4,550 |
| Return on Equity (ROE) | 3.2967% | 4,415 |
| Retained earnings to average equity (ytd only) | -0.8658% | 4,449 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0957% | 406 |
| Assets per employee ($millions) | 4.4338% | 4,166 |
| Cash dividends to net income (ytd only)* | 126.2626% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 54.7765% | 3,163 |
| Net loans and leases to deposits | 59.5650% | 3,514 |
| Net loans and leases to core deposits | 60.7308% | 3,657 |
| Total domestic deposits to total assets | 91.9608% | 154 |
| Equity capital to assets | 7.9569% | 4,518 |
| Core capital (leverage) ratio | 8.2209% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,028,500 | 3,616 |
| Average earning assets | $127,813,500 | 3,650 |
| Average equity | $12,012,000 | 3,998 |
| Average total loans | $80,691,000 | 3,547 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7911% | 3,329 |
| Cost of funding earning assets | 0.3355% | 3,946 |
| Net interest margin | 3.4556% | 2,615 |
| Noninterest income to average assets | 0.7811% | 1,583 |
| Noninterest expense to average assets | 3.1182% | 1,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6179% | 3,684 |
| Return on assets (ROA) | 0.6179% | 3,812 |
| Pretax return on assets | 0.7379% | 3,794 |
| Return on Equity (ROE) | 6.5547% | 3,388 |
| Retained earnings to average equity (ytd only) | 3.3707% | 3,140 |
| Net charge-offs to loans | -0.0347% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8634% | 827 |
| Assets per employee ($millions) | 3.8088% | 4,500 |
| Cash dividends to net income (ytd only)* | 48.5751% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 1,348 |
| 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 | 57.2756% | 3,168 |
| Net loans and leases to deposits | 63.2622% | 3,497 |
| Net loans and leases to core deposits | 64.6829% | 3,650 |
| Total domestic deposits to total assets | 90.5370% | 360 |
| Equity capital to assets | 9.0235% | 4,030 |
| Core capital (leverage) ratio | 9.2756% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,945,800 | 3,687 |
| Average earning assets | $111,182,600 | 3,747 |
| Average equity | $11,777,800 | 3,996 |
| Average total loans | $77,704,800 | 3,599 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 3,450 |
| Cost of funding earning assets | 0.3758% | 3,933 |
| Net interest margin | 3.4595% | 2,723 |
| Noninterest income to average assets | 0.7739% | 1,588 |
| Noninterest expense to average assets | 3.1758% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5275% | 3,960 |
| Return on assets (ROA) | 0.5275% | 4,056 |
| Pretax return on assets | 0.6751% | 3,955 |
| Return on Equity (ROE) | 5.5378% | 3,710 |
| Retained earnings to average equity (ytd only) | 2.6892% | 3,653 |
| Net charge-offs to loans | -0.0463% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4690% | 707 |
| Assets per employee ($millions) | 3.5653% | 4,630 |
| Cash dividends to net income (ytd only)* | 51.4403% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5896% | 1,134 |
| 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 | 59.1819% | 3,307 |
| Net loans and leases to deposits | 66.0315% | 3,621 |
| Net loans and leases to core deposits | 67.5873% | 3,784 |
| Total domestic deposits to total assets | 89.6268% | 543 |
| Equity capital to assets | 9.2575% | 3,900 |
| Core capital (leverage) ratio | 8.9119% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,841,250 | 3,703 |
| Average earning assets | $109,262,000 | 3,769 |
| Average equity | $11,701,000 | 4,013 |
| Average total loans | $77,736,000 | 3,615 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0012% | 3,318 |
| Cost of funding earning assets | 0.4351% | 3,870 |
| Net interest margin | 3.5661% | 2,593 |
| Noninterest income to average assets | 0.6777% | 1,820 |
| Noninterest expense to average assets | 3.2147% | 1,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4942% | 4,037 |
| Return on assets (ROA) | 0.4942% | 4,108 |
| Pretax return on assets | 0.6330% | 3,997 |
| Return on Equity (ROE) | 5.1372% | 3,794 |
| Retained earnings to average equity (ytd only) | 0.8419% | 4,130 |
| Net charge-offs to loans | -0.0693% | 4,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5481% | 665 |
| Assets per employee ($millions) | 3.8082% | 4,459 |
| Cash dividends to net income (ytd only)* | 83.6120% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 1,245 |
| 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 | 60.2347% | 3,297 |
| Net loans and leases to deposits | 66.8028% | 3,657 |
| Net loans and leases to core deposits | 67.8834% | 3,869 |
| Total domestic deposits to total assets | 90.1678% | 358 |
| Equity capital to assets | 8.7743% | 4,289 |
| Core capital (leverage) ratio | 8.7856% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2826% | 1,417 |
| Memoranda: | ||
| Average total assets | $121,005,000 | 3,712 |
| Average earning assets | $107,567,000 | 3,777 |
| Average equity | $11,640,667 | 4,029 |
| Average total loans | $77,919,000 | 3,617 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 3,388 |
| Cost of funding earning assets | 0.6088% | 3,389 |
| Net interest margin | 3.5386% | 2,853 |
| Noninterest income to average assets | 0.6268% | 1,919 |
| Noninterest expense to average assets | 3.4127% | 1,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2821% | 4,381 |
| Return on assets (ROA) | 0.2821% | 4,401 |
| Pretax return on assets | 0.3517% | 4,376 |
| Return on Equity (ROE) | 2.7899% | 4,269 |
| Retained earnings to average equity (ytd only) | -1.5155% | 4,201 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6568% | 477 |
| Assets per employee ($millions) | 3.5049% | 4,476 |
| Cash dividends to net income (ytd only)* | 154.3210% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 1,180 |
| 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 | 60.2672% | 3,469 |
| Net loans and leases to deposits | 67.1672% | 3,779 |
| Net loans and leases to core deposits | 68.3155% | 3,971 |
| Total domestic deposits to total assets | 89.7272% | 405 |
| Equity capital to assets | 9.1957% | 4,469 |
| Core capital (leverage) ratio | 9.4209% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,864,000 | 3,777 |
| Average earning assets | $101,847,500 | 3,854 |
| Average equity | $11,613,500 | 4,046 |
| Average total loans | $76,122,500 | 3,642 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 3,172 |
| Cost of funding earning assets | 0.7850% | 2,747 |
| Net interest margin | 3.6405% | 2,994 |
| Noninterest income to average assets | 0.6123% | 2,165 |
| Noninterest expense to average assets | 3.3796% | 1,151 |
| Loan and lease loss provision to assets | -0.0813% | 5,054 |
| Net operating income to assets | 0.6656% | 3,970 |
| Return on assets (ROA) | 0.6656% | 4,043 |
| Pretax return on assets | 0.5726% | 4,460 |
| Return on Equity (ROE) | 6.4527% | 3,758 |
| Retained earnings to average equity (ytd only) | 3.1694% | 3,433 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3075% | 476 |
| Assets per employee ($millions) | 2.8764% | 4,874 |
| Cash dividends to net income (ytd only)* | 50.8820% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 977 |
| 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 | 71.2709% | 2,211 |
| Net loans and leases to deposits | 81.9074% | 2,568 |
| Net loans and leases to core deposits | 83.6661% | 2,984 |
| Total domestic deposits to total assets | 87.0140% | 1,600 |
| Equity capital to assets | 11.2255% | 2,788 |
| Core capital (leverage) ratio | 10.5052% | 2,947 |
| Tier 1 risk-based capital ratio | 15.2605% | 2,673 |
| Total risk-based capital ratio | 16.5154% | 2,607 |
| Memoranda: | ||
| Average total assets | $110,723,800 | 3,820 |
| Average earning assets | $99,107,200 | 3,888 |
| Average equity | $11,421,600 | 4,065 |
| Average total loans | $74,696,600 | 3,688 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 3,439 |
| Cost of funding earning assets | 0.8336% | 2,543 |
| Net interest margin | 3.5400% | 3,439 |
| Noninterest income to average assets | 0.6079% | 2,168 |
| Noninterest expense to average assets | 3.2919% | 1,289 |
| Loan and lease loss provision to assets | -0.1067% | 5,168 |
| Net operating income to assets | 0.6032% | 4,288 |
| Return on assets (ROA) | 0.6032% | 4,342 |
| Pretax return on assets | 0.6032% | 4,539 |
| Return on Equity (ROE) | 5.9683% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.0368% | 3,874 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8940% | 455 |
| Assets per employee ($millions) | 3.1848% | 4,767 |
| Cash dividends to net income (ytd only)* | 49.1166% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 994 |
| 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 | 66.1541% | 3,029 |
| Net loans and leases to deposits | 75.2280% | 3,369 |
| Net loans and leases to core deposits | 76.7030% | 3,647 |
| Total domestic deposits to total assets | 87.9381% | 1,060 |
| Equity capital to assets | 10.3439% | 3,678 |
| Core capital (leverage) ratio | 10.0848% | 3,547 |
| Tier 1 risk-based capital ratio | 15.5628% | 2,617 |
| Total risk-based capital ratio | 16.8180% | 2,556 |
| Memoranda: | ||
| Average total assets | $112,517,250 | 3,840 |
| Average earning assets | $101,090,750 | 3,892 |
| Average equity | $11,371,000 | 4,115 |
| Average total loans | $74,620,500 | 3,729 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 3,450 |
| Cost of funding earning assets | 0.8787% | 2,255 |
| Net interest margin | 3.4834% | 3,647 |
| Noninterest income to average assets | 0.5724% | 2,274 |
| Noninterest expense to average assets | 3.2569% | 1,371 |
| Loan and lease loss provision to assets | -0.1595% | 5,236 |
| Net operating income to assets | 0.6078% | 4,290 |
| Return on assets (ROA) | 0.6078% | 4,328 |
| Pretax return on assets | 0.6078% | 4,530 |
| Return on Equity (ROE) | 6.0611% | 4,032 |
| Retained earnings to average equity (ytd only) | 1.6434% | 4,232 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9005% | 445 |
| Assets per employee ($millions) | 3.2382% | 4,749 |
| Cash dividends to net income (ytd only)* | 72.8863% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 933 |
| 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 | 61.4983% | 3,601 |
| Net loans and leases to deposits | 69.3988% | 3,889 |
| Net loans and leases to core deposits | 70.6824% | 4,077 |
| Total domestic deposits to total assets | 88.6158% | 821 |
| Equity capital to assets | 9.7517% | 4,189 |
| Core capital (leverage) ratio | 9.6221% | 4,009 |
| Tier 1 risk-based capital ratio | 16.0844% | 2,370 |
| Total risk-based capital ratio | 17.3405% | 2,320 |
| Memoranda: | ||
| Average total assets | $112,867,330 | 3,860 |
| Average earning assets | $101,511,330 | 3,909 |
| Average equity | $11,318,000 | 4,127 |
| Average total loans | $74,514,000 | 3,755 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 3,047 |
| Cost of funding earning assets | 0.8902% | 2,053 |
| Net interest margin | 3.5608% | 3,400 |
| Noninterest income to average assets | 0.5765% | 2,156 |
| Noninterest expense to average assets | 3.2753% | 1,338 |
| Loan and lease loss provision to assets | -0.3243% | 5,323 |
| Net operating income to assets | 0.8251% | 3,529 |
| Return on assets (ROA) | 0.8251% | 3,572 |
| Pretax return on assets | 0.8251% | 3,982 |
| Return on Equity (ROE) | 8.1112% | 3,214 |
| Retained earnings to average equity (ytd only) | 3.6837% | 3,450 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7366% | 535 |
| Assets per employee ($millions) | 3.3861% | 4,664 |
| Cash dividends to net income (ytd only)* | 54.5852% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 1,047 |
| 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 | 62.0104% | 3,501 |
| Net loans and leases to deposits | 69.7900% | 3,776 |
| Net loans and leases to core deposits | 70.7243% | 4,033 |
| Total domestic deposits to total assets | 88.8528% | 935 |
| Equity capital to assets | 9.5769% | 4,186 |
| Core capital (leverage) ratio | 9.7586% | 3,859 |
| Tier 1 risk-based capital ratio | 15.6159% | 2,605 |
| Total risk-based capital ratio | 16.8707% | 2,526 |
| Memoranda: | ||
| Average total assets | $111,014,000 | 3,919 |
| Average earning assets | $99,753,500 | 3,974 |
| Average equity | $11,293,000 | 4,153 |
| Average total loans | $75,325,500 | 3,778 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 2,828 |
| Cost of funding earning assets | 0.5223% | 3,214 |
| Net interest margin | 3.8569% | 2,477 |
| Noninterest income to average assets | 0.6205% | 2,186 |
| Noninterest expense to average assets | 3.5384% | 951 |
| Loan and lease loss provision to assets | -0.2356% | 5,347 |
| Net operating income to assets | 0.7324% | 4,034 |
| Return on assets (ROA) | 0.7324% | 4,039 |
| Pretax return on assets | 0.7324% | 4,335 |
| Return on Equity (ROE) | 6.8478% | 3,879 |
| Retained earnings to average equity (ytd only) | 4.7824% | 2,901 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6886% | 449 |
| Assets per employee ($millions) | 3.1368% | 4,899 |
| Cash dividends to net income (ytd only)* | 30.1609% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 837 |
| Loan loss allowance to noncurrent loans | 1,791.6667% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 4,482 |
| Noncurrent loans to loans | 0.0948% | 4,321 |
| Net loans and leases to total assets | 72.1352% | 2,237 |
| Net loans and leases to deposits | 83.7164% | 2,542 |
| Net loans and leases to core deposits | 85.0368% | 3,000 |
| Total domestic deposits to total assets | 86.1661% | 2,147 |
| Equity capital to assets | 10.8546% | 2,842 |
| Core capital (leverage) ratio | 10.3763% | 3,165 |
| Tier 1 risk-based capital ratio | 15.5242% | 2,606 |
| Total risk-based capital ratio | 16.7817% | 2,527 |
| Memoranda: | ||
| Average total assets | $101,854,800 | 4,068 |
| Average earning assets | $90,175,800 | 4,140 |
| Average equity | $10,894,000 | 4,173 |
| Average total loans | $74,090,400 | 3,790 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 3,133 |
| Cost of funding earning assets | 0.4741% | 3,366 |
| Net interest margin | 3.7813% | 2,710 |
| Noninterest income to average assets | 0.6125% | 2,247 |
| Noninterest expense to average assets | 3.5567% | 910 |
| Loan and lease loss provision to assets | -0.1972% | 5,396 |
| Net operating income to assets | 0.5967% | 4,512 |
| Return on assets (ROA) | 0.5967% | 4,521 |
| Pretax return on assets | 0.5967% | 4,737 |
| Return on Equity (ROE) | 5.6004% | 4,387 |
| Retained earnings to average equity (ytd only) | 3.7500% | 3,899 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9003% | 328 |
| Assets per employee ($millions) | 3.2769% | 4,798 |
| Cash dividends to net income (ytd only)* | 33.0404% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 725 |
| 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 | 67.5543% | 3,004 |
| Net loans and leases to deposits | 77.9746% | 3,244 |
| Net loans and leases to core deposits | 78.8950% | 3,574 |
| Total domestic deposits to total assets | 86.6363% | 1,903 |
| Equity capital to assets | 9.8426% | 3,785 |
| Core capital (leverage) ratio | 10.0440% | 3,585 |
| Tier 1 risk-based capital ratio | 15.5938% | 2,607 |
| Total risk-based capital ratio | 16.8531% | 2,541 |
| Memoranda: | ||
| Average total assets | $101,440,000 | 4,117 |
| Average earning assets | $89,702,250 | 4,195 |
| Average equity | $10,808,500 | 4,227 |
| Average total loans | $73,623,000 | 3,837 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 3,003 |
| Cost of funding earning assets | 0.4031% | 3,698 |
| Net interest margin | 3.8298% | 2,456 |
| Noninterest income to average assets | 0.6462% | 2,111 |
| Noninterest expense to average assets | 3.6569% | 812 |
| Loan and lease loss provision to assets | -0.1223% | 5,444 |
| Net operating income to assets | 0.4811% | 4,791 |
| Return on assets (ROA) | 0.4811% | 4,796 |
| Pretax return on assets | 0.4811% | 4,936 |
| Return on Equity (ROE) | 4.3882% | 4,724 |
| Retained earnings to average equity (ytd only) | 2.5288% | 4,248 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0660% | 334 |
| Assets per employee ($millions) | 2.9648% | 5,121 |
| Cash dividends to net income (ytd only)* | 42.3729% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9244% | 608 |
| 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 | 76.5727% | 1,552 |
| Net loans and leases to deposits | 90.1237% | 1,824 |
| Net loans and leases to core deposits | 91.3578% | 2,450 |
| Total domestic deposits to total assets | 84.9641% | 2,691 |
| Equity capital to assets | 11.0621% | 2,577 |
| Core capital (leverage) ratio | 11.0501% | 2,481 |
| Tier 1 risk-based capital ratio | 15.5701% | 2,606 |
| Total risk-based capital ratio | 16.8312% | 2,543 |
| Memoranda: | ||
| Average total assets | $98,115,330 | 4,207 |
| Average earning assets | $86,324,000 | 4,289 |
| Average equity | $10,756,000 | 4,268 |
| Average total loans | $72,615,670 | 3,879 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 3,312 |
| Cost of funding earning assets | 0.3943% | 3,629 |
| Net interest margin | 3.6836% | 2,864 |
| Noninterest income to average assets | 0.6229% | 2,160 |
| Noninterest expense to average assets | 3.6314% | 834 |
| Loan and lease loss provision to assets | -0.1221% | 5,521 |
| Net operating income to assets | 0.3460% | 5,014 |
| Return on assets (ROA) | 0.3460% | 5,019 |
| Pretax return on assets | 0.3460% | 5,107 |
| Return on Equity (ROE) | 3.1709% | 4,981 |
| Retained earnings to average equity (ytd only) | 1.3057% | 4,543 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1922% | 296 |
| Assets per employee ($millions) | 2.9009% | 5,218 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1246% | 438 |
| 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 | 70.0636% | 2,477 |
| Net loans and leases to deposits | 82.2253% | 2,573 |
| Net loans and leases to core deposits | 83.6598% | 3,009 |
| Total domestic deposits to total assets | 85.2092% | 2,855 |
| Equity capital to assets | 10.8822% | 2,698 |
| Core capital (leverage) ratio | 11.1363% | 2,299 |
| Tier 1 risk-based capital ratio | 16.6875% | 2,215 |
| Total risk-based capital ratio | 17.9504% | 2,157 |
| Memoranda: | ||
| Average total assets | $98,253,500 | 4,246 |
| Average earning assets | $86,219,500 | 4,339 |
| Average equity | $10,722,500 | 4,318 |
| Average total loans | $70,729,500 | 3,957 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1904% | 2,722 |
| Cost of funding earning assets | 0.3412% | 3,789 |
| Net interest margin | 3.8492% | 2,259 |
| Noninterest income to average assets | 0.7593% | 1,737 |
| Noninterest expense to average assets | 3.6287% | 869 |
| Loan and lease loss provision to assets | -0.0115% | 5,308 |
| Net operating income to assets | 0.4791% | 4,428 |
| Return on assets (ROA) | 0.4801% | 4,463 |
| Pretax return on assets | 0.4801% | 4,955 |
| Return on Equity (ROE) | 4.3546% | 4,391 |
| Retained earnings to average equity (ytd only) | 2.4182% | 3,886 |
| Net charge-offs to loans | -0.0500% | 5,186 |
| Credit loss provision to net charge-offs | 31.4286% | 3,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5838% | 499 |
| Assets per employee ($millions) | 2.7965% | 5,325 |
| Cash dividends to net income (ytd only)* | 44.4685% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1593% | 402 |
| Loan loss allowance to noncurrent loans | 76,500.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,189 |
| Noncurrent loans to loans | 0.0028% | 5,054 |
| Net loans and leases to total assets | 70.8290% | 2,391 |
| Net loans and leases to deposits | 83.1945% | 2,583 |
| Net loans and leases to core deposits | 84.6544% | 3,011 |
| Total domestic deposits to total assets | 85.1366% | 2,785 |
| Equity capital to assets | 10.9442% | 2,681 |
| Core capital (leverage) ratio | 10.7944% | 2,541 |
| Tier 1 risk-based capital ratio | 16.8106% | 2,157 |
| Total risk-based capital ratio | 18.0745% | 2,105 |
| Memoranda: | ||
| Average total assets | $96,013,200 | 4,314 |
| Average earning assets | $83,237,000 | 4,415 |
| Average equity | $10,586,400 | 4,365 |
| Average total loans | $69,980,000 | 3,964 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 2,560 |
| Cost of funding earning assets | 0.3289% | 3,853 |
| Net interest margin | 3.8856% | 2,088 |
| Noninterest income to average assets | 0.7717% | 1,697 |
| Noninterest expense to average assets | 3.6100% | 861 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5247% | 4,667 |
| Return on assets (ROA) | 0.5261% | 4,692 |
| Pretax return on assets | 0.5261% | 4,979 |
| Return on Equity (ROE) | 4.7622% | 4,616 |
| Retained earnings to average equity (ytd only) | 3.1201% | 4,052 |
| Net charge-offs to loans | -0.0459% | 5,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3102% | 551 |
| Assets per employee ($millions) | 2.7397% | 5,416 |
| Cash dividends to net income (ytd only)* | 34.4832% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2219% | 390 |
| Loan loss allowance to noncurrent loans | 1,961.5385% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 4,830 |
| Noncurrent loans to loans | 0.1133% | 4,605 |
| Net loans and leases to total assets | 70.2176% | 2,522 |
| Net loans and leases to deposits | 82.8750% | 2,674 |
| Net loans and leases to core deposits | 84.3641% | 3,099 |
| Total domestic deposits to total assets | 84.7271% | 2,825 |
| Equity capital to assets | 11.1744% | 2,698 |
| Core capital (leverage) ratio | 11.0733% | 2,391 |
| Tier 1 risk-based capital ratio | 17.1971% | 2,098 |
| Total risk-based capital ratio | 18.4618% | 2,042 |
| Memoranda: | ||
| Average total assets | $95,547,000 | 4,361 |
| Average earning assets | $82,697,000 | 4,468 |
| Average equity | $10,555,000 | 4,410 |
| Average total loans | $69,761,000 | 4,001 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 2,914 |
| Cost of funding earning assets | 0.3133% | 3,944 |
| Net interest margin | 3.7617% | 2,431 |
| Noninterest income to average assets | 0.7461% | 1,787 |
| Noninterest expense to average assets | 3.6067% | 868 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3856% | 5,010 |
| Return on assets (ROA) | 0.3856% | 5,036 |
| Pretax return on assets | 0.3856% | 5,197 |
| Return on Equity (ROE) | 3.5042% | 4,976 |
| Retained earnings to average equity (ytd only) | 1.9806% | 4,465 |
| Net charge-offs to loans | -0.0457% | 5,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3412% | 436 |
| Assets per employee ($millions) | 2.7893% | 5,425 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1553% | 462 |
| Loan loss allowance to noncurrent loans | 310.6122% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 3,089 |
| Noncurrent loans to loans | 0.6939% | 2,675 |
| Net loans and leases to total assets | 70.7755% | 2,403 |
| Net loans and leases to deposits | 83.0820% | 2,592 |
| Net loans and leases to core deposits | 84.2686% | 3,037 |
| Total domestic deposits to total assets | 85.1875% | 2,738 |
| Equity capital to assets | 10.8290% | 3,002 |
| Core capital (leverage) ratio | 11.0365% | 2,367 |
| Tier 1 risk-based capital ratio | 16.7770% | 2,210 |
| Total risk-based capital ratio | 18.0423% | 2,166 |
| Memoranda: | ||
| Average total assets | $95,433,000 | 4,388 |
| Average earning assets | $82,356,330 | 4,501 |
| Average equity | $10,501,670 | 4,434 |
| Average total loans | $70,061,000 | 4,014 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 2,817 |
| Cost of funding earning assets | 0.2919% | 4,127 |
| Net interest margin | 3.7648% | 2,246 |
| Noninterest income to average assets | 0.6275% | 2,283 |
| Noninterest expense to average assets | 3.6169% | 879 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2374% | 5,333 |
| Return on assets (ROA) | 0.2374% | 5,345 |
| Pretax return on assets | 0.2374% | 5,394 |
| Return on Equity (ROE) | 2.1402% | 5,314 |
| Retained earnings to average equity (ytd only) | 0.2293% | 4,861 |
| Net charge-offs to loans | -0.0229% | 4,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8394% | 391 |
| Assets per employee ($millions) | 2.6882% | 5,545 |
| Cash dividends to net income (ytd only)* | 89.2857% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1251% | 527 |
| Loan loss allowance to noncurrent loans | 274.5455% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5846% | 2,897 |
| Noncurrent loans to loans | 0.7740% | 2,529 |
| Net loans and leases to total assets | 73.9170% | 1,757 |
| Net loans and leases to deposits | 87.1615% | 1,896 |
| Net loans and leases to core deposits | 88.1223% | 2,533 |
| Total domestic deposits to total assets | 84.8047% | 3,170 |
| Equity capital to assets | 11.1279% | 2,506 |
| Core capital (leverage) ratio | 11.1518% | 2,233 |
| Tier 1 risk-based capital ratio | 16.5729% | 2,329 |
| Total risk-based capital ratio | 17.8365% | 2,279 |
| Memoranda: | ||
| Average total assets | $94,336,000 | 4,454 |
| Average earning assets | $80,853,500 | 4,568 |
| Average equity | $10,466,500 | 4,471 |
| Average total loans | $69,782,500 | 4,058 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 3,140 |
| Cost of funding earning assets | 0.3236% | 3,807 |
| Net interest margin | 3.6915% | 2,731 |
| Noninterest income to average assets | 0.8124% | 1,706 |
| Noninterest expense to average assets | 3.6115% | 1,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3147% | 5,185 |
| Return on assets (ROA) | 0.3265% | 5,227 |
| Pretax return on assets | 0.3265% | 5,333 |
| Return on Equity (ROE) | 2.9406% | 5,174 |
| Retained earnings to average equity (ytd only) | 1.8801% | 4,463 |
| Net charge-offs to loans | 0.0407% | 3,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 10.8889% | 2,591 |
| Efficiency ratio | 91.9847% | 459 |
| Assets per employee ($millions) | 2.6273% | 5,602 |
| Cash dividends to net income (ytd only)* | 36.0656% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 471 |
| Loan loss allowance to noncurrent loans | 306.7210% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 3,185 |
| Noncurrent loans to loans | 0.7167% | 2,747 |
| Net loans and leases to total assets | 70.8386% | 2,363 |
| Net loans and leases to deposits | 84.2517% | 2,385 |
| Net loans and leases to core deposits | 85.1814% | 2,912 |
| Total domestic deposits to total assets | 84.0798% | 3,398 |
| Equity capital to assets | 11.0621% | 2,575 |
| Core capital (leverage) ratio | 11.0889% | 2,266 |
| Tier 1 risk-based capital ratio | 17.0550% | 2,136 |
| Total risk-based capital ratio | 18.3192% | 2,086 |
| Memoranda: | ||
| Average total assets | $93,423,800 | 4,483 |
| Average earning assets | $78,802,600 | 4,613 |
| Average equity | $10,372,000 | 4,512 |
| Average total loans | $66,351,400 | 4,134 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 3,233 |
| Cost of funding earning assets | 0.3298% | 3,779 |
| Net interest margin | 3.6702% | 2,826 |
| Noninterest income to average assets | 0.8346% | 1,627 |
| Noninterest expense to average assets | 3.6005% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3250% | 5,227 |
| Return on assets (ROA) | 0.3407% | 5,267 |
| Pretax return on assets | 0.3407% | 5,394 |
| Return on Equity (ROE) | 3.0662% | 5,202 |
| Retained earnings to average equity (ytd only) | 2.2932% | 4,550 |
| Net charge-offs to loans | 0.0567% | 2,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.1077% | 2,811 |
| Efficiency ratio | 91.7214% | 476 |
| Assets per employee ($millions) | 2.5927% | 5,680 |
| Cash dividends to net income (ytd only)* | 25.2103% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2204% | 496 |
| Loan loss allowance to noncurrent loans | 300.3992% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 3,315 |
| Noncurrent loans to loans | 0.7391% | 2,825 |
| Net loans and leases to total assets | 71.0080% | 2,346 |
| Net loans and leases to deposits | 84.7432% | 2,397 |
| Net loans and leases to core deposits | 85.3193% | 3,007 |
| Total domestic deposits to total assets | 83.7919% | 3,276 |
| Equity capital to assets | 11.2100% | 2,788 |
| Core capital (leverage) ratio | 11.0954% | 2,360 |
| Tier 1 risk-based capital ratio | 16.8251% | 2,286 |
| Total risk-based capital ratio | 18.0898% | 2,236 |
| Memoranda: | ||
| Average total assets | $93,133,750 | 4,526 |
| Average earning assets | $78,431,750 | 4,651 |
| Average equity | $10,349,250 | 4,559 |
| Average total loans | $65,812,250 | 4,173 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 3,343 |
| Cost of funding earning assets | 0.3324% | 3,770 |
| Net interest margin | 3.6381% | 2,941 |
| Noninterest income to average assets | 0.7092% | 2,101 |
| Noninterest expense to average assets | 3.5609% | 1,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2063% | 5,509 |
| Return on assets (ROA) | 0.2192% | 5,550 |
| Pretax return on assets | 0.2192% | 5,597 |
| Return on Equity (ROE) | 1.9784% | 5,512 |
| Retained earnings to average equity (ytd only) | 1.3965% | 4,819 |
| Net charge-offs to loans | 0.0921% | 1,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.2000% | 3,153 |
| Efficiency ratio | 94.5237% | 394 |
| Assets per employee ($millions) | 2.7436% | 5,649 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2454% | 512 |
| Loan loss allowance to noncurrent loans | 292.9825% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 3,175 |
| Noncurrent loans to loans | 0.7664% | 2,828 |
| Net loans and leases to total assets | 70.1483% | 2,457 |
| Net loans and leases to deposits | 84.6825% | 2,387 |
| Net loans and leases to core deposits | 85.2629% | 2,964 |
| Total domestic deposits to total assets | 82.8368% | 3,715 |
| Equity capital to assets | 11.1202% | 2,929 |
| Core capital (leverage) ratio | 11.0358% | 2,398 |
| Tier 1 risk-based capital ratio | 16.6737% | 2,366 |
| Total risk-based capital ratio | 17.9381% | 2,313 |
| Memoranda: | ||
| Average total assets | $93,066,330 | 4,557 |
| Average earning assets | $78,227,000 | 4,696 |
| Average equity | $10,311,330 | 4,597 |
| Average total loans | $65,156,000 | 4,214 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,167 |
| Cost of funding earning assets | 0.3334% | 3,791 |
| Net interest margin | 3.6828% | 2,744 |
| Noninterest income to average assets | 0.6799% | 2,138 |
| Noninterest expense to average assets | 3.5413% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2281% | 5,480 |
| Return on assets (ROA) | 0.2539% | 5,497 |
| Pretax return on assets | 0.2539% | 5,577 |
| Return on Equity (ROE) | 2.2956% | 5,434 |
| Retained earnings to average equity (ytd only) | 2.2956% | 4,339 |
| Net charge-offs to loans | 0.1992% | 1,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.6563% | 2,784 |
| Efficiency ratio | 93.9498% | 456 |
| Assets per employee ($millions) | 2.6774% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2760% | 533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 5,344 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 68.7739% | 2,531 |
| Net loans and leases to deposits | 82.8604% | 2,448 |
| Net loans and leases to core deposits | 83.1287% | 3,026 |
| Total domestic deposits to total assets | 82.9997% | 3,894 |
| Equity capital to assets | 11.0308% | 2,904 |
| Core capital (leverage) ratio | 11.3330% | 2,111 |
| Tier 1 risk-based capital ratio | 17.1066% | 2,249 |
| Total risk-based capital ratio | 18.3729% | 2,211 |
| Memoranda: | ||
| Average total assets | $92,959,000 | 4,598 |
| Average earning assets | $77,984,500 | 4,746 |
| Average equity | $10,280,500 | 4,620 |
| Average total loans | $64,265,000 | 4,255 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 3,557 |
| Cost of funding earning assets | 0.3663% | 3,522 |
| Net interest margin | 3.5760% | 3,223 |
| Noninterest income to average assets | 0.7715% | 1,894 |
| Noninterest expense to average assets | 3.7902% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0168% | 5,878 |
| Return on assets (ROA) | 0.1431% | 5,745 |
| Pretax return on assets | 0.1431% | 5,762 |
| Return on Equity (ROE) | 1.2593% | 5,728 |
| Retained earnings to average equity (ytd only) | 1.2593% | 4,998 |
| Net charge-offs to loans | 0.0422% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.5769% | 4,313 |
| Efficiency ratio | 100.4444% | 272 |
| Assets per employee ($millions) | 2.6345% | 5,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4496% | 427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 5,380 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 66.2068% | 2,955 |
| Net loans and leases to deposits | 78.3510% | 3,011 |
| Net loans and leases to core deposits | 78.6073% | 3,481 |
| Total domestic deposits to total assets | 84.5003% | 3,288 |
| Equity capital to assets | 11.0880% | 2,733 |
| Core capital (leverage) ratio | 11.1405% | 2,272 |
| Tier 1 risk-based capital ratio | 18.3785% | 1,865 |
| Total risk-based capital ratio | 19.6477% | 1,805 |
| Memoranda: | ||
| Average total assets | $89,441,200 | 4,690 |
| Average earning assets | $75,084,400 | 4,829 |
| Average equity | $10,164,400 | 4,629 |
| Average total loans | $61,612,200 | 4,333 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9731% | 3,453 |
| Cost of funding earning assets | 0.3762% | 3,478 |
| Net interest margin | 3.5969% | 3,174 |
| Noninterest income to average assets | 0.7797% | 1,886 |
| Noninterest expense to average assets | 3.8324% | 820 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0361% | 5,961 |
| Return on assets (ROA) | 0.1788% | 5,768 |
| Pretax return on assets | 0.1788% | 5,816 |
| Return on Equity (ROE) | 1.5632% | 5,764 |
| Retained earnings to average equity (ytd only) | 1.5632% | 5,084 |
| Net charge-offs to loans | 0.1390% | 1,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.3750% | 4,020 |
| Efficiency ratio | 100.9497% | 280 |
| Assets per employee ($millions) | 2.5253% | 5,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4396% | 476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 5,485 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 67.6416% | 2,744 |
| Net loans and leases to deposits | 79.2547% | 2,962 |
| Net loans and leases to core deposits | 79.7953% | 3,443 |
| Total domestic deposits to total assets | 85.3471% | 2,851 |
| Equity capital to assets | 11.5789% | 2,434 |
| Core capital (leverage) ratio | 11.4918% | 2,046 |
| Tier 1 risk-based capital ratio | 18.4340% | 1,921 |
| Total risk-based capital ratio | 19.7016% | 1,875 |
| Memoranda: | ||
| Average total assets | $88,749,500 | 4,753 |
| Average earning assets | $74,432,750 | 4,902 |
| Average equity | $10,149,500 | 4,690 |
| Average total loans | $61,370,000 | 4,384 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 3,457 |
| Cost of funding earning assets | 0.3923% | 3,351 |
| Net interest margin | 3.5654% | 3,226 |
| Noninterest income to average assets | 0.7336% | 2,066 |
| Noninterest expense to average assets | 3.8348% | 832 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1148% | 6,055 |
| Return on assets (ROA) | 0.2070% | 5,745 |
| Pretax return on assets | 0.2070% | 5,806 |
| Return on Equity (ROE) | 1.8179% | 5,721 |
| Retained earnings to average equity (ytd only) | 1.8179% | 4,787 |
| Net charge-offs to loans | 0.0912% | 2,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -1.8214% | 3,785 |
| Efficiency ratio | 103.0853% | 267 |
| Assets per employee ($millions) | 2.5549% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4601% | 505 |
| Loan loss allowance to noncurrent loans | 1,275.8333% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 5,067 |
| Noncurrent loans to loans | 0.1928% | 5,005 |
| Net loans and leases to total assets | 67.8830% | 2,661 |
| Net loans and leases to deposits | 79.2659% | 2,875 |
| Net loans and leases to core deposits | 80.0784% | 3,377 |
| Total domestic deposits to total assets | 85.6397% | 2,860 |
| Equity capital to assets | 11.3297% | 2,546 |
| Core capital (leverage) ratio | 11.3711% | 2,100 |
| Tier 1 risk-based capital ratio | 18.5936% | 1,899 |
| Total risk-based capital ratio | 19.8621% | 1,854 |
| Memoranda: | ||
| Average total assets | $88,871,000 | 4,793 |
| Average earning assets | $74,436,670 | 4,951 |
| Average equity | $10,121,330 | 4,722 |
| Average total loans | $61,400,000 | 4,427 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8767% | 3,716 |
| Cost of funding earning assets | 0.3990% | 3,317 |
| Net interest margin | 3.4777% | 3,519 |
| Noninterest income to average assets | 0.7133% | 2,109 |
| Noninterest expense to average assets | 3.9008% | 769 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2754% | 6,179 |
| Return on assets (ROA) | 0.3702% | 5,307 |
| Pretax return on assets | 0.3702% | 5,498 |
| Return on Equity (ROE) | 3.2422% | 5,286 |
| Retained earnings to average equity (ytd only) | 3.2422% | 4,043 |
| Net charge-offs to loans | 0.0656% | 2,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -6.1000% | 3,235 |
| Efficiency ratio | 107.5965% | 218 |
| Assets per employee ($millions) | 2.5779% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5616% | 491 |
| Loan loss allowance to noncurrent loans | 650.8403% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 4,887 |
| Noncurrent loans to loans | 0.3936% | 4,414 |
| Net loans and leases to total assets | 65.3012% | 2,879 |
| Net loans and leases to deposits | 76.1221% | 3,039 |
| Net loans and leases to core deposits | 76.8960% | 3,503 |
| Total domestic deposits to total assets | 85.7849% | 3,053 |
| Equity capital to assets | 11.2493% | 2,699 |
| Core capital (leverage) ratio | 11.6213% | 1,913 |
| Tier 1 risk-based capital ratio | 19.1045% | 1,840 |
| Total risk-based capital ratio | 20.3749% | 1,791 |
| Memoranda: | ||
| Average total assets | $88,596,500 | 4,847 |
| Average earning assets | $74,187,500 | 5,000 |
| Average equity | $10,116,500 | 4,758 |
| Average total loans | $60,984,000 | 4,464 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3471% | 2,425 |
| Cost of funding earning assets | 0.4787% | 2,892 |
| Net interest margin | 3.8684% | 2,365 |
| Noninterest income to average assets | 0.7684% | 1,998 |
| Noninterest expense to average assets | 3.7640% | 1,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2324% | 5,701 |
| Return on assets (ROA) | 0.2324% | 5,763 |
| Pretax return on assets | 0.2324% | 5,817 |
| Return on Equity (ROE) | 2.0768% | 5,748 |
| Retained earnings to average equity (ytd only) | 1.5727% | 5,046 |
| Net charge-offs to loans | 0.0657% | 3,546 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.9048% | 3,540 |
| Efficiency ratio | 94.1841% | 588 |
| Assets per employee ($millions) | 2.4157% | 6,206 |
| Cash dividends to net income (ytd only)* | 24.2718% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5350% | 528 |
| Loan loss allowance to noncurrent loans | 604.2636% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 3,325 |
| Noncurrent loans to loans | 0.4195% | 4,382 |
| Net loans and leases to total assets | 68.9243% | 2,409 |
| Net loans and leases to deposits | 80.7675% | 2,626 |
| Net loans and leases to core deposits | 81.6265% | 3,141 |
| Total domestic deposits to total assets | 85.3366% | 3,146 |
| Equity capital to assets | 11.5943% | 2,350 |
| Core capital (leverage) ratio | 11.0564% | 2,353 |
| Tier 1 risk-based capital ratio | 17.7517% | 2,220 |
| Total risk-based capital ratio | 19.0222% | 2,177 |
| Memoranda: | ||
| Average total assets | $88,629,800 | 4,873 |
| Average earning assets | $73,958,000 | 5,041 |
| Average equity | $9,919,200 | 4,766 |
| Average total loans | $63,955,600 | 4,366 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3229% | 2,530 |
| Cost of funding earning assets | 0.4929% | 2,837 |
| Net interest margin | 3.8300% | 2,510 |
| Noninterest income to average assets | 0.7786% | 1,974 |
| Noninterest expense to average assets | 3.7208% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2575% | 5,716 |
| Return on assets (ROA) | 0.2575% | 5,777 |
| Pretax return on assets | 0.2575% | 5,847 |
| Return on Equity (ROE) | 2.3216% | 5,756 |
| Retained earnings to average equity (ytd only) | 1.6466% | 5,224 |
| Net charge-offs to loans | 0.1012% | 2,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.5103% | 3,646 |
| Efficiency ratio | 93.5265% | 624 |
| Assets per employee ($millions) | 2.5540% | 6,188 |
| Cash dividends to net income (ytd only)* | 29.0716% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4526% | 685 |
| Loan loss allowance to noncurrent loans | 2,217.1429% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 4,248 |
| Noncurrent loans to loans | 0.1106% | 5,598 |
| Net loans and leases to total assets | 71.0849% | 2,012 |
| Net loans and leases to deposits | 83.3869% | 2,244 |
| Net loans and leases to core deposits | 84.5740% | 2,822 |
| Total domestic deposits to total assets | 85.2471% | 3,244 |
| Equity capital to assets | 11.5055% | 2,479 |
| Core capital (leverage) ratio | 10.9940% | 2,490 |
| Tier 1 risk-based capital ratio | 17.2547% | 2,499 |
| Total risk-based capital ratio | 18.5254% | 2,446 |
| Memoranda: | ||
| Average total assets | $89,046,000 | 4,914 |
| Average earning assets | $74,392,500 | 5,089 |
| Average equity | $9,878,250 | 4,814 |
| Average total loans | $64,569,750 | 4,387 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 2,366 |
| Cost of funding earning assets | 0.5087% | 2,742 |
| Net interest margin | 3.8461% | 2,396 |
| Noninterest income to average assets | 0.7596% | 2,007 |
| Noninterest expense to average assets | 3.6956% | 1,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2807% | 5,635 |
| Return on assets (ROA) | 0.2807% | 5,706 |
| Pretax return on assets | 0.2807% | 5,818 |
| Return on Equity (ROE) | 2.5608% | 5,669 |
| Retained earnings to average equity (ytd only) | 1.5446% | 5,123 |
| Net charge-offs to loans | -0.0462% | 5,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9412% | 696 |
| Assets per employee ($millions) | 2.7034% | 6,130 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5045% | 704 |
| Loan loss allowance to noncurrent loans | 1,179.5620% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.6019% | 4,177 |
| Noncurrent loans to loans | 0.2123% | 5,380 |
| Net loans and leases to total assets | 70.5133% | 1,998 |
| Net loans and leases to deposits | 82.2400% | 2,222 |
| Net loans and leases to core deposits | 83.6507% | 2,776 |
| Total domestic deposits to total assets | 85.7409% | 3,179 |
| Equity capital to assets | 11.1318% | 2,753 |
| Core capital (leverage) ratio | 10.6309% | 2,789 |
| Tier 1 risk-based capital ratio | 16.8863% | 2,670 |
| Total risk-based capital ratio | 18.1558% | 2,628 |
| Memoranda: | ||
| Average total assets | $89,782,330 | 4,936 |
| Average earning assets | $75,090,000 | 5,104 |
| Average equity | $9,840,670 | 4,839 |
| Average total loans | $64,999,670 | 4,393 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 2,394 |
| Cost of funding earning assets | 0.5258% | 2,649 |
| Net interest margin | 3.8084% | 2,439 |
| Noninterest income to average assets | 0.7639% | 1,896 |
| Noninterest expense to average assets | 3.6728% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2754% | 5,583 |
| Return on assets (ROA) | 0.2754% | 5,630 |
| Pretax return on assets | 0.2754% | 5,771 |
| Return on Equity (ROE) | 2.5318% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.5318% | 4,545 |
| Net charge-offs to loans | -0.0858% | 6,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0259% | 816 |
| Assets per employee ($millions) | 2.8095% | 6,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4821% | 824 |
| Loan loss allowance to noncurrent loans | 1,153.5714% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 4,350 |
| Noncurrent loans to loans | 0.2152% | 5,448 |
| Net loans and leases to total assets | 70.5745% | 1,790 |
| Net loans and leases to deposits | 82.0881% | 2,036 |
| Net loans and leases to core deposits | 83.2077% | 2,613 |
| Total domestic deposits to total assets | 85.9741% | 3,377 |
| Equity capital to assets | 10.9605% | 2,754 |
| Core capital (leverage) ratio | 10.4895% | 2,947 |
| Tier 1 risk-based capital ratio | 16.5339% | 2,884 |
| Total risk-based capital ratio | 17.8029% | 2,844 |
| Memoranda: | ||
| Average total assets | $90,067,000 | 4,969 |
| Average earning assets | $75,307,500 | 5,138 |
| Average equity | $9,795,500 | 4,869 |
| Average total loans | $65,238,000 | 4,423 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 1,454 |
| Cost of funding earning assets | 0.6174% | 2,510 |
| Net interest margin | 4.1297% | 1,572 |
| Noninterest income to average assets | 0.9389% | 1,551 |
| Noninterest expense to average assets | 3.9161% | 965 |
| Loan and lease loss provision to assets | 0.1290% | 2,700 |
| Net operating income to assets | 0.3462% | 5,349 |
| Return on assets (ROA) | 0.3745% | 5,360 |
| Pretax return on assets | 0.3745% | 5,550 |
| Return on Equity (ROE) | 3.7560% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.7560% | 3,541 |
| Net charge-offs to loans | 0.2288% | 2,630 |
| Credit loss provision to net charge-offs | 79.3548% | 3,064 |
| Earnings coverage of net charge-offs (x) | 2.9226% | 4,020 |
| Efficiency ratio | 89.1782% | 1,094 |
| Assets per employee ($millions) | 2.8197% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4476% | 879 |
| Loan loss allowance to noncurrent loans | 261.6013% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 1.1216% | 3,158 |
| Noncurrent loans to loans | 0.9356% | 3,648 |
| Net loans and leases to total assets | 70.7201% | 1,897 |
| Net loans and leases to deposits | 82.8906% | 2,079 |
| Net loans and leases to core deposits | 84.1354% | 2,662 |
| Total domestic deposits to total assets | 85.3174% | 3,586 |
| Equity capital to assets | 10.7914% | 2,826 |
| Core capital (leverage) ratio | 10.3413% | 3,102 |
| Tier 1 risk-based capital ratio | 16.2245% | 2,997 |
| Total risk-based capital ratio | 17.4933% | 2,941 |
| Memoranda: | ||
| Average total assets | $95,324,400 | 4,858 |
| Average earning assets | $79,690,600 | 5,042 |
| Average equity | $9,504,800 | 4,974 |
| Average total loans | $67,730,600 | 4,349 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 1,269 |
| Cost of funding earning assets | 0.6354% | 2,504 |
| Net interest margin | 4.2021% | 1,327 |
| Noninterest income to average assets | 0.7785% | 2,251 |
| Noninterest expense to average assets | 3.9241% | 934 |
| Loan and lease loss provision to assets | 0.1698% | 2,138 |
| Net operating income to assets | 0.1988% | 5,915 |
| Return on assets (ROA) | 0.2360% | 5,905 |
| Pretax return on assets | 0.2360% | 5,984 |
| Return on Equity (ROE) | 2.4134% | 5,818 |
| Retained earnings to average equity (ytd only) | 2.4134% | 4,882 |
| Net charge-offs to loans | 0.3045% | 2,013 |
| Credit loss provision to net charge-offs | 78.8462% | 2,876 |
| Earnings coverage of net charge-offs (x) | 1.7116% | 4,270 |
| Efficiency ratio | 91.4148% | 888 |
| Assets per employee ($millions) | 2.7170% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3554% | 1,101 |
| Loan loss allowance to noncurrent loans | 260.5863% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 1.6010% | 2,546 |
| Noncurrent loans to loans | 0.9039% | 4,014 |
| Net loans and leases to total assets | 71.8020% | 1,630 |
| Net loans and leases to deposits | 83.7955% | 1,903 |
| Net loans and leases to core deposits | 85.0308% | 2,539 |
| Total domestic deposits to total assets | 85.6872% | 3,412 |
| Equity capital to assets | 10.3573% | 3,439 |
| Core capital (leverage) ratio | 9.8960% | 3,821 |
| Tier 1 risk-based capital ratio | 15.2085% | 3,621 |
| Total risk-based capital ratio | 16.4760% | 3,564 |
| Memoranda: | ||
| Average total assets | $96,598,250 | 4,865 |
| Average earning assets | $80,782,000 | 5,067 |
| Average equity | $9,446,750 | 5,042 |
| Average total loans | $68,310,500 | 4,367 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 2,770 |
| Cost of funding earning assets | 0.6443% | 2,551 |
| Net interest margin | 3.7029% | 2,944 |
| Noninterest income to average assets | 0.7694% | 2,331 |
| Noninterest expense to average assets | 3.8753% | 1,009 |
| Loan and lease loss provision to assets | 0.1531% | 2,405 |
| Net operating income to assets | -0.1510% | 6,455 |
| Return on assets (ROA) | -0.1020% | 6,451 |
| Pretax return on assets | -0.1020% | 6,434 |
| Return on Equity (ROE) | -1.0631% | 6,461 |
| Retained earnings to average equity (ytd only) | -1.0631% | 6,063 |
| Net charge-offs to loans | 0.2893% | 2,036 |
| Credit loss provision to net charge-offs | 75.7576% | 2,707 |
| Earnings coverage of net charge-offs (x) | 0.0101% | 4,551 |
| Efficiency ratio | 99.9474% | 487 |
| Assets per employee ($millions) | 2.9348% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4119% | 1,079 |
| Loan loss allowance to noncurrent loans | 201.1250% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 1.4744% | 2,896 |
| Noncurrent loans to loans | 1.1992% | 3,557 |
| Net loans and leases to total assets | 67.2204% | 2,377 |
| Net loans and leases to deposits | 77.6172% | 2,620 |
| Net loans and leases to core deposits | 79.0651% | 3,158 |
| Total domestic deposits to total assets | 86.6051% | 3,056 |
| Equity capital to assets | 9.6531% | 4,384 |
| Core capital (leverage) ratio | 9.1974% | 4,701 |
| Tier 1 risk-based capital ratio | 14.8865% | 3,853 |
| Total risk-based capital ratio | 16.1547% | 3,807 |
| Memoranda: | ||
| Average total assets | $98,004,670 | 4,863 |
| Average earning assets | $82,259,670 | 5,045 |
| Average equity | $9,406,330 | 5,083 |
| Average total loans | $68,437,330 | 4,370 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 2,676 |
| Cost of funding earning assets | 0.6628% | 2,542 |
| Net interest margin | 3.6913% | 2,886 |
| Noninterest income to average assets | 0.7304% | 2,427 |
| Noninterest expense to average assets | 3.8871% | 1,010 |
| Loan and lease loss provision to assets | 0.1826% | 2,023 |
| Net operating income to assets | -0.2435% | 6,539 |
| Return on assets (ROA) | -0.1745% | 6,542 |
| Pretax return on assets | -0.1745% | 6,534 |
| Return on Equity (ROE) | -1.8230% | 6,551 |
| Retained earnings to average equity (ytd only) | -1.8230% | 6,061 |
| Net charge-offs to loans | 0.5426% | 1,117 |
| Credit loss provision to net charge-offs | 47.8723% | 2,633 |
| Earnings coverage of net charge-offs (x) | -0.1596% | 3,864 |
| Efficiency ratio | 101.5907% | 495 |
| Assets per employee ($millions) | 2.8829% | 6,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2906% | 1,425 |
| Loan loss allowance to noncurrent loans | 187.0130% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 1.6527% | 2,795 |
| Noncurrent loans to loans | 1.2248% | 3,729 |
| Net loans and leases to total assets | 68.9329% | 1,853 |
| Net loans and leases to deposits | 79.4581% | 2,155 |
| Net loans and leases to core deposits | 80.6426% | 2,730 |
| Total domestic deposits to total assets | 86.7537% | 3,101 |
| Equity capital to assets | 9.6072% | 4,701 |
| Core capital (leverage) ratio | 9.1223% | 4,686 |
| Tier 1 risk-based capital ratio | 14.2065% | 4,360 |
| Total risk-based capital ratio | 15.4716% | 4,309 |
| Memoranda: | ||
| Average total assets | $98,582,000 | 4,895 |
| Average earning assets | $82,681,000 | 5,070 |
| Average equity | $9,435,000 | 5,124 |
| Average total loans | $69,300,000 | 4,365 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5524% | 3,203 |
| Cost of funding earning assets | 0.8937% | 1,973 |
| Net interest margin | 3.6587% | 3,836 |
| Noninterest income to average assets | 0.9559% | 1,680 |
| Noninterest expense to average assets | 3.8057% | 1,242 |
| Loan and lease loss provision to assets | 0.8531% | 549 |
| Net operating income to assets | -0.6435% | 6,629 |
| Return on assets (ROA) | -0.6435% | 6,659 |
| Pretax return on assets | -0.6435% | 6,633 |
| Return on Equity (ROE) | -6.6699% | 6,645 |
| Retained earnings to average equity (ytd only) | -6.6699% | 6,512 |
| Net charge-offs to loans | 0.1923% | 3,835 |
| Credit loss provision to net charge-offs | 616.4286% | 397 |
| Earnings coverage of net charge-offs (x) | 1.5143% | 4,686 |
| Efficiency ratio | 94.7809% | 765 |
| Assets per employee ($millions) | 2.6796% | 6,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3514% | 1,303 |
| Loan loss allowance to noncurrent loans | 129.1930% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 2.0566% | 2,382 |
| Noncurrent loans to loans | 1.8201% | 2,888 |
| Net loans and leases to total assets | 68.4005% | 2,120 |
| Net loans and leases to deposits | 78.7128% | 2,437 |
| Net loans and leases to core deposits | 79.9611% | 3,006 |
| Total domestic deposits to total assets | 86.8989% | 2,889 |
| Equity capital to assets | 9.5346% | 4,826 |
| Core capital (leverage) ratio | 9.0982% | 4,741 |
| Tier 1 risk-based capital ratio | 14.1379% | 4,285 |
| Total risk-based capital ratio | 15.4041% | 4,231 |
| Memoranda: | ||
| Average total assets | $101,164,000 | 4,804 |
| Average earning assets | $84,593,200 | 4,998 |
| Average equity | $9,760,200 | 5,040 |
| Average total loans | $72,821,400 | 4,240 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5692% | 3,337 |
| Cost of funding earning assets | 0.9289% | 1,986 |
| Net interest margin | 3.6403% | 4,056 |
| Noninterest income to average assets | 0.9416% | 1,702 |
| Noninterest expense to average assets | 3.8149% | 1,185 |
| Loan and lease loss provision to assets | 1.0911% | 356 |
| Net operating income to assets | -0.9219% | 6,839 |
| Return on assets (ROA) | -0.9219% | 6,866 |
| Pretax return on assets | -0.9219% | 6,841 |
| Return on Equity (ROE) | -9.5284% | 6,852 |
| Retained earnings to average equity (ytd only) | -9.5284% | 6,802 |
| Net charge-offs to loans | 0.2570% | 3,186 |
| Credit loss provision to net charge-offs | 585.9155% | 452 |
| Earnings coverage of net charge-offs (x) | 0.9085% | 4,874 |
| Efficiency ratio | 95.7538% | 688 |
| Assets per employee ($millions) | 2.7834% | 6,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1955% | 1,713 |
| Loan loss allowance to noncurrent loans | 173.3478% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 1.6488% | 3,108 |
| Noncurrent loans to loans | 1.2665% | 3,936 |
| Net loans and leases to total assets | 69.2087% | 2,071 |
| Net loans and leases to deposits | 81.0470% | 2,245 |
| Net loans and leases to core deposits | 82.4916% | 2,895 |
| Total domestic deposits to total assets | 85.3933% | 3,568 |
| Equity capital to assets | 9.1079% | 5,699 |
| Core capital (leverage) ratio | 8.6574% | 5,540 |
| Tier 1 risk-based capital ratio | 13.5687% | 4,839 |
| Total risk-based capital ratio | 14.8335% | 4,790 |
| Memoranda: | ||
| Average total assets | $101,669,000 | 4,834 |
| Average earning assets | $84,973,500 | 5,044 |
| Average equity | $9,837,000 | 5,066 |
| Average total loans | $73,664,750 | 4,268 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 3,386 |
| Cost of funding earning assets | 0.9688% | 1,939 |
| Net interest margin | 3.6257% | 4,162 |
| Noninterest income to average assets | 0.8950% | 1,804 |
| Noninterest expense to average assets | 3.9040% | 1,071 |
| Loan and lease loss provision to assets | 0.1581% | 3,536 |
| Net operating income to assets | -0.1502% | 6,488 |
| Return on assets (ROA) | -0.1502% | 6,581 |
| Pretax return on assets | -0.1502% | 6,556 |
| Return on Equity (ROE) | -1.5216% | 6,584 |
| Retained earnings to average equity (ytd only) | -1.5216% | 6,292 |
| Net charge-offs to loans | 0.2814% | 2,915 |
| Credit loss provision to net charge-offs | 76.9231% | 3,407 |
| Earnings coverage of net charge-offs (x) | 0.0385% | 5,063 |
| Efficiency ratio | 99.7980% | 568 |
| Assets per employee ($millions) | 2.8891% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 5,251 |
| Loan loss allowance to noncurrent loans | 84.2205% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.7566% | 3,096 |
| Noncurrent loans to loans | 1.4516% | 3,738 |
| Net loans and leases to total assets | 68.8287% | 2,132 |
| Net loans and leases to deposits | 80.9861% | 2,230 |
| Net loans and leases to core deposits | 83.1380% | 2,809 |
| Total domestic deposits to total assets | 84.9884% | 3,873 |
| Equity capital to assets | 9.5793% | 4,939 |
| Core capital (leverage) ratio | 9.1539% | 4,682 |
| Tier 1 risk-based capital ratio | 14.7749% | 3,913 |
| Total risk-based capital ratio | 16.0269% | 3,881 |
| Memoranda: | ||
| Average total assets | $101,229,670 | 4,877 |
| Average earning assets | $84,231,000 | 5,092 |
| Average equity | $9,989,330 | 5,034 |
| Average total loans | $73,927,670 | 4,279 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 3,153 |
| Cost of funding earning assets | 1.0048% | 1,953 |
| Net interest margin | 3.6698% | 3,963 |
| Noninterest income to average assets | 0.9215% | 1,661 |
| Noninterest expense to average assets | 3.7580% | 1,282 |
| Loan and lease loss provision to assets | 0.1442% | 3,562 |
| Net operating income to assets | 0.0481% | 6,333 |
| Return on assets (ROA) | 0.0481% | 6,452 |
| Pretax return on assets | 0.0481% | 6,455 |
| Return on Equity (ROE) | 0.4799% | 6,447 |
| Retained earnings to average equity (ytd only) | 0.4799% | 5,845 |
| Net charge-offs to loans | 0.4608% | 1,942 |
| Credit loss provision to net charge-offs | 41.8605% | 3,426 |
| Earnings coverage of net charge-offs (x) | 0.5581% | 4,056 |
| Efficiency ratio | 95.1318% | 761 |
| Assets per employee ($millions) | 2.8443% | 6,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 5,749 |
| Loan loss allowance to noncurrent loans | 49.8551% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 3.5803% | 1,595 |
| Noncurrent loans to loans | 2.2897% | 2,813 |
| Net loans and leases to total assets | 72.7377% | 1,269 |
| Net loans and leases to deposits | 85.8706% | 1,438 |
| Net loans and leases to core deposits | 88.6655% | 1,983 |
| Total domestic deposits to total assets | 84.7061% | 4,161 |
| Equity capital to assets | 9.7818% | 4,410 |
| Core capital (leverage) ratio | 9.3622% | 4,260 |
| Tier 1 risk-based capital ratio | 13.9493% | 4,506 |
| Total risk-based capital ratio | 15.1992% | 4,472 |
| Memoranda: | ||
| Average total assets | $99,841,500 | 4,942 |
| Average earning assets | $82,403,000 | 5,183 |
| Average equity | $10,002,500 | 5,043 |
| Average total loans | $74,655,500 | 4,284 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7201% | 4,169 |
| Cost of funding earning assets | 1.0893% | 2,744 |
| Net interest margin | 3.6309% | 4,605 |
| Noninterest income to average assets | 0.7291% | 2,448 |
| Noninterest expense to average assets | 3.6711% | 1,593 |
| Loan and lease loss provision to assets | 1.4695% | 511 |
| Net operating income to assets | -1.0701% | 6,772 |
| Return on assets (ROA) | -1.0417% | 6,776 |
| Pretax return on assets | -1.3214% | 6,850 |
| Return on Equity (ROE) | -9.8746% | 6,737 |
| Retained earnings to average equity (ytd only) | -9.8746% | 6,700 |
| Net charge-offs to loans | 0.5683% | 2,748 |
| Credit loss provision to net charge-offs | 344.3373% | 669 |
| Earnings coverage of net charge-offs (x) | 0.2627% | 5,633 |
| Efficiency ratio | 97.0372% | 767 |
| Assets per employee ($millions) | 2.6294% | 6,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 5,257 |
| Loan loss allowance to noncurrent loans | 35.9116% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 4.5606% | 1,200 |
| Noncurrent loans to loans | 3.4256% | 1,883 |
| Net loans and leases to total assets | 75.0979% | 1,078 |
| Net loans and leases to deposits | 87.8128% | 1,408 |
| Net loans and leases to core deposits | 90.6207% | 2,033 |
| Total domestic deposits to total assets | 85.5205% | 3,583 |
| Equity capital to assets | 10.2673% | 3,822 |
| Core capital (leverage) ratio | 9.8280% | 3,550 |
| Tier 1 risk-based capital ratio | 14.1814% | 4,191 |
| Total risk-based capital ratio | 15.4319% | 4,145 |
| Memoranda: | ||
| Average total assets | $97,246,000 | 4,973 |
| Average earning assets | $81,798,400 | 5,177 |
| Average equity | $10,258,600 | 4,954 |
| Average total loans | $73,027,800 | 4,378 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7006% | 4,466 |
| Cost of funding earning assets | 1.1031% | 2,958 |
| Net interest margin | 3.5975% | 4,777 |
| Noninterest income to average assets | 0.5499% | 3,512 |
| Noninterest expense to average assets | 3.6735% | 1,556 |
| Loan and lease loss provision to assets | 1.9183% | 293 |
| Net operating income to assets | -1.6144% | 7,066 |
| Return on assets (ROA) | -1.5755% | 7,072 |
| Pretax return on assets | -1.9485% | 7,115 |
| Return on Equity (ROE) | -14.8359% | 7,011 |
| Retained earnings to average equity (ytd only) | -14.8359% | 6,986 |
| Net charge-offs to loans | 0.7876% | 1,984 |
| Credit loss provision to net charge-offs | 325.3488% | 859 |
| Earnings coverage of net charge-offs (x) | -0.1326% | 5,684 |
| Efficiency ratio | 102.1739% | 602 |
| Assets per employee ($millions) | 2.5102% | 6,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 4,777 |
| Loan loss allowance to noncurrent loans | 36.5230% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 4.0103% | 1,530 |
| Noncurrent loans to loans | 3.6950% | 1,847 |
| Net loans and leases to total assets | 74.6713% | 1,204 |
| Net loans and leases to deposits | 87.2587% | 1,525 |
| Net loans and leases to core deposits | 90.7062% | 2,163 |
| Total domestic deposits to total assets | 85.5746% | 3,457 |
| Equity capital to assets | 10.0350% | 4,291 |
| Core capital (leverage) ratio | 9.5908% | 4,010 |
| Tier 1 risk-based capital ratio | 14.1430% | 4,240 |
| Total risk-based capital ratio | 15.3964% | 4,212 |
| Memoranda: | ||
| Average total assets | $97,235,250 | 5,003 |
| Average earning assets | $82,314,500 | 5,207 |
| Average equity | $10,326,000 | 4,955 |
| Average total loans | $72,791,750 | 4,430 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 4,480 |
| Cost of funding earning assets | 1.1146% | 3,132 |
| Net interest margin | 3.5987% | 4,720 |
| Noninterest income to average assets | 0.4659% | 4,146 |
| Noninterest expense to average assets | 3.7417% | 1,460 |
| Loan and lease loss provision to assets | 1.7317% | 390 |
| Net operating income to assets | -1.4318% | 7,076 |
| Return on assets (ROA) | -1.3792% | 7,069 |
| Pretax return on assets | -1.8801% | 7,143 |
| Return on Equity (ROE) | -12.7510% | 7,006 |
| Retained earnings to average equity (ytd only) | -12.7510% | 6,967 |
| Net charge-offs to loans | 1.0642% | 1,480 |
| Credit loss provision to net charge-offs | 218.1818% | 1,368 |
| Earnings coverage of net charge-offs (x) | -0.2779% | 5,442 |
| Efficiency ratio | 106.2646% | 553 |
| Assets per employee ($millions) | 2.5132% | 6,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6514% | 7,084 |
| Loan loss allowance to noncurrent loans | 35.2429% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 2.6190% | 2,544 |
| Noncurrent loans to loans | 1.8483% | 3,683 |
| Net loans and leases to total assets | 75.6234% | 1,138 |
| Net loans and leases to deposits | 89.6678% | 1,312 |
| Net loans and leases to core deposits | 93.2975% | 1,986 |
| Total domestic deposits to total assets | 84.3373% | 4,199 |
| Equity capital to assets | 10.5003% | 3,501 |
| Core capital (leverage) ratio | 10.0460% | 3,207 |
| Tier 1 risk-based capital ratio | 14.4582% | 3,818 |
| Total risk-based capital ratio | 15.1754% | 4,195 |
| Memoranda: | ||
| Average total assets | $97,014,670 | 5,047 |
| Average earning assets | $82,363,000 | 5,251 |
| Average equity | $10,493,330 | 4,924 |
| Average total loans | $72,355,330 | 4,490 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 5,069 |
| Cost of funding earning assets | 1.1190% | 3,388 |
| Net interest margin | 3.4530% | 5,211 |
| Noninterest income to average assets | 0.2445% | 5,947 |
| Noninterest expense to average assets | 3.8171% | 1,307 |
| Loan and lease loss provision to assets | 3.3570% | 135 |
| Net operating income to assets | -2.9297% | 7,388 |
| Return on assets (ROA) | -2.8224% | 7,380 |
| Pretax return on assets | -3.8046% | 7,426 |
| Return on Equity (ROE) | -25.7127% | 7,284 |
| Retained earnings to average equity (ytd only) | -25.7127% | 7,249 |
| Net charge-offs to loans | 2.0497% | 621 |
| Credit loss provision to net charge-offs | 221.9178% | 1,368 |
| Earnings coverage of net charge-offs (x) | -0.3918% | 4,762 |
| Efficiency ratio | 118.3805% | 365 |
| Assets per employee ($millions) | 2.5348% | 6,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6587% | 7,129 |
| Loan loss allowance to noncurrent loans | 35.2593% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 2.9537% | 2,341 |
| Noncurrent loans to loans | 1.8683% | 3,735 |
| Net loans and leases to total assets | 74.5258% | 1,267 |
| Net loans and leases to deposits | 88.5468% | 1,404 |
| Net loans and leases to core deposits | 92.1927% | 2,108 |
| Total domestic deposits to total assets | 84.1654% | 4,423 |
| Equity capital to assets | 10.6373% | 3,052 |
| Core capital (leverage) ratio | 10.6206% | 2,492 |
| Tier 1 risk-based capital ratio | 14.8641% | 3,496 |
| Total risk-based capital ratio | 15.5559% | 3,824 |
| Memoranda: | ||
| Average total assets | $96,514,000 | 5,092 |
| Average earning assets | $83,290,000 | 5,260 |
| Average equity | $10,594,000 | 4,895 |
| Average total loans | $71,228,500 | 4,575 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 5,917 |
| Cost of funding earning assets | 1.3911% | 3,334 |
| Net interest margin | 3.2707% | 6,067 |
| Noninterest income to average assets | 0.8270% | 2,156 |
| Noninterest expense to average assets | 3.6431% | 1,816 |
| Loan and lease loss provision to assets | 0.1168% | 5,989 |
| Net operating income to assets | -0.0549% | 5,936 |
| Return on assets (ROA) | 0.0701% | 5,795 |
| Pretax return on assets | 0.0488% | 5,798 |
| Return on Equity (ROE) | 0.6331% | 5,802 |
| Retained earnings to average equity (ytd only) | 0.6331% | 5,262 |
| Net charge-offs to loans | 0.0853% | 5,982 |
| Credit loss provision to net charge-offs | 191.6667% | 1,676 |
| Earnings coverage of net charge-offs (x) | 0.6667% | 5,442 |
| Efficiency ratio | 98.8969% | 826 |
| Assets per employee ($millions) | 2.5449% | 6,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6653% | 7,182 |
| Loan loss allowance to noncurrent loans | 15.4176% | 6,972 |
| Noncurrent assets plus other real estate owned to assets | 3.5882% | 1,918 |
| Noncurrent loans to loans | 4.3150% | 1,673 |
| Net loans and leases to total assets | 72.1044% | 2,082 |
| Net loans and leases to deposits | 87.3536% | 1,886 |
| Net loans and leases to core deposits | 90.4152% | 2,708 |
| Total domestic deposits to total assets | 82.5431% | 4,999 |
| Equity capital to assets | 11.3146% | 2,399 |
| Core capital (leverage) ratio | 11.2687% | 1,971 |
| Tier 1 risk-based capital ratio | 16.3950% | 2,572 |
| Total risk-based capital ratio | 17.0979% | 2,780 |
| Memoranda: | ||
| Average total assets | $98,433,800 | 5,036 |
| Average earning assets | $85,974,600 | 5,146 |
| Average equity | $10,899,600 | 4,889 |
| Average total loans | $70,345,400 | 4,675 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 6,127 |
| Cost of funding earning assets | 1.4399% | 3,332 |
| Net interest margin | 3.2297% | 6,252 |
| Noninterest income to average assets | 0.8307% | 2,077 |
| Noninterest expense to average assets | 3.6129% | 1,763 |
| Loan and lease loss provision to assets | 0.0944% | 6,076 |
| Net operating income to assets | -0.0459% | 6,089 |
| Return on assets (ROA) | 0.1200% | 5,879 |
| Pretax return on assets | 0.1146% | 5,891 |
| Return on Equity (ROE) | 1.0897% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.0897% | 5,376 |
| Net charge-offs to loans | 0.0379% | 6,178 |
| Credit loss provision to net charge-offs | 350.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 1.5999% | 4,520 |
| Efficiency ratio | 98.8196% | 786 |
| Assets per employee ($millions) | 2.6635% | 6,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6673% | 7,256 |
| Loan loss allowance to noncurrent loans | 14.0940% | 7,094 |
| Noncurrent assets plus other real estate owned to assets | 3.5201% | 2,022 |
| Noncurrent loans to loans | 4.7348% | 1,491 |
| Net loans and leases to total assets | 69.7833% | 2,780 |
| Net loans and leases to deposits | 84.9023% | 2,536 |
| Net loans and leases to core deposits | 88.1147% | 3,354 |
| Total domestic deposits to total assets | 82.1924% | 4,918 |
| Equity capital to assets | 11.1215% | 2,837 |
| Core capital (leverage) ratio | 11.0619% | 2,216 |
| Tier 1 risk-based capital ratio | 16.5068% | 2,552 |
| Total risk-based capital ratio | 17.2068% | 2,733 |
| Memoranda: | ||
| Average total assets | $98,865,500 | 5,082 |
| Average earning assets | $86,486,750 | 5,190 |
| Average equity | $10,889,000 | 4,953 |
| Average total loans | $70,382,500 | 4,738 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7663% | 5,908 |
| Cost of funding earning assets | 1.4940% | 3,288 |
| Net interest margin | 3.2724% | 6,102 |
| Noninterest income to average assets | 0.7335% | 2,495 |
| Noninterest expense to average assets | 3.5970% | 1,792 |
| Loan and lease loss provision to assets | 0.0808% | 6,124 |
| Net operating income to assets | -0.0546% | 6,157 |
| Return on assets (ROA) | 0.1192% | 5,917 |
| Pretax return on assets | 0.0889% | 5,999 |
| Return on Equity (ROE) | 1.0860% | 5,928 |
| Retained earnings to average equity (ytd only) | 1.0860% | 5,330 |
| Net charge-offs to loans | -0.0622% | 7,478 |
| Credit loss provision to net charge-offs | -181.8182% | 6,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1125% | 796 |
| Assets per employee ($millions) | 2.5358% | 7,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6840% | 7,277 |
| Loan loss allowance to noncurrent loans | 14.0695% | 7,168 |
| Noncurrent assets plus other real estate owned to assets | 3.5997% | 1,950 |
| Noncurrent loans to loans | 4.8613% | 1,444 |
| Net loans and leases to total assets | 69.5949% | 2,996 |
| Net loans and leases to deposits | 85.6411% | 2,564 |
| Net loans and leases to core deposits | 89.9830% | 3,266 |
| Total domestic deposits to total assets | 81.2635% | 5,311 |
| Equity capital to assets | 11.0690% | 2,790 |
| Core capital (leverage) ratio | 10.9844% | 2,254 |
| Tier 1 risk-based capital ratio | 16.3080% | 2,550 |
| Total risk-based capital ratio | 17.0203% | 2,736 |
| Memoranda: | ||
| Average total assets | $98,971,330 | 5,114 |
| Average earning assets | $86,481,330 | 5,222 |
| Average equity | $10,865,330 | 4,953 |
| Average total loans | $70,766,000 | 4,765 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8819% | 5,552 |
| Cost of funding earning assets | 1.5626% | 3,185 |
| Net interest margin | 3.3193% | 5,902 |
| Noninterest income to average assets | 0.7232% | 2,441 |
| Noninterest expense to average assets | 3.5957% | 1,743 |
| Loan and lease loss provision to assets | 0.1212% | 5,368 |
| Net operating income to assets | -0.0364% | 6,356 |
| Return on assets (ROA) | -0.0364% | 6,441 |
| Pretax return on assets | -0.0929% | 6,458 |
| Return on Equity (ROE) | -0.3326% | 6,449 |
| Retained earnings to average equity (ytd only) | -0.3326% | 5,906 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2196% | 869 |
| Assets per employee ($millions) | 2.5596% | 7,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6292% | 7,458 |
| Loan loss allowance to noncurrent loans | 31.7301% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 1.5868% | 4,122 |
| Noncurrent loans to loans | 1.9829% | 3,809 |
| Net loans and leases to total assets | 69.9318% | 2,954 |
| Net loans and leases to deposits | 86.7525% | 2,463 |
| Net loans and leases to core deposits | 91.4603% | 3,175 |
| Total domestic deposits to total assets | 80.6107% | 5,583 |
| Equity capital to assets | 10.8823% | 2,863 |
| Core capital (leverage) ratio | 10.9064% | 2,291 |
| Tier 1 risk-based capital ratio | 16.1207% | 2,608 |
| Total risk-based capital ratio | 16.7750% | 2,802 |
| Memoranda: | ||
| Average total assets | $99,008,000 | 5,179 |
| Average earning assets | $86,524,500 | 5,290 |
| Average equity | $10,824,500 | 5,019 |
| Average total loans | $71,498,000 | 4,801 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2061% | 5,623 |
| Cost of funding earning assets | 1.9607% | 3,149 |
| Net interest margin | 3.2454% | 5,942 |
| Noninterest income to average assets | 0.7923% | 2,443 |
| Noninterest expense to average assets | 3.4779% | 2,431 |
| Loan and lease loss provision to assets | 0.0597% | 6,967 |
| Net operating income to assets | 0.0864% | 5,251 |
| Return on assets (ROA) | 0.1533% | 5,108 |
| Pretax return on assets | 0.1662% | 5,078 |
| Return on Equity (ROE) | 1.3925% | 5,120 |
| Retained earnings to average equity (ytd only) | 1.3925% | 4,086 |
| Net charge-offs to loans | 0.3022% | 4,742 |
| Credit loss provision to net charge-offs | 27.2727% | 6,909 |
| Earnings coverage of net charge-offs (x) | 0.7000% | 5,398 |
| Efficiency ratio | 95.7785% | 1,325 |
| Assets per employee ($millions) | 2.5178% | 7,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5664% | 7,604 |
| Loan loss allowance to noncurrent loans | 26.9634% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 1.5561% | 4,044 |
| Noncurrent loans to loans | 2.1005% | 3,519 |
| Net loans and leases to total assets | 73.6651% | 2,345 |
| Net loans and leases to deposits | 91.6189% | 1,942 |
| Net loans and leases to core deposits | 110.3645% | 2,855 |
| Total domestic deposits to total assets | 80.4039% | 5,550 |
| Equity capital to assets | 10.9845% | 2,718 |
| Core capital (leverage) ratio | 10.9482% | 2,252 |
| Tier 1 risk-based capital ratio | 15.1988% | 2,843 |
| Total risk-based capital ratio | 15.7815% | 3,141 |
| Memoranda: | ||
| Average total assets | $100,462,400 | 5,079 |
| Average earning assets | $87,877,800 | 5,201 |
| Average equity | $11,059,600 | 5,008 |
| Average total loans | $72,810,600 | 4,769 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2487% | 5,692 |
| Cost of funding earning assets | 2.0201% | 3,251 |
| Net interest margin | 3.2286% | 5,922 |
| Noninterest income to average assets | 0.8024% | 2,420 |
| Noninterest expense to average assets | 3.5157% | 2,240 |
| Loan and lease loss provision to assets | 0.0528% | 6,850 |
| Net operating income to assets | 0.0539% | 5,598 |
| Return on assets (ROA) | 0.1425% | 5,413 |
| Pretax return on assets | 0.1544% | 5,400 |
| Return on Equity (ROE) | 1.2940% | 5,408 |
| Retained earnings to average equity (ytd only) | 1.2940% | 4,601 |
| Net charge-offs to loans | 0.1318% | 5,379 |
| Credit loss provision to net charge-offs | 55.5556% | 6,234 |
| Earnings coverage of net charge-offs (x) | 1.1667% | 4,896 |
| Efficiency ratio | 96.9432% | 1,214 |
| Assets per employee ($millions) | 2.6743% | 6,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7395% | 7,287 |
| Loan loss allowance to noncurrent loans | 36.4555% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 1.4603% | 4,190 |
| Noncurrent loans to loans | 2.0286% | 3,600 |
| Net loans and leases to total assets | 71.4523% | 3,167 |
| Net loans and leases to deposits | 88.3175% | 2,902 |
| Net loans and leases to core deposits | 108.5819% | 3,400 |
| Total domestic deposits to total assets | 80.9039% | 5,118 |
| Equity capital to assets | 10.6069% | 3,393 |
| Core capital (leverage) ratio | 10.5919% | 2,722 |
| Tier 1 risk-based capital ratio | 15.4382% | 2,855 |
| Total risk-based capital ratio | 16.2143% | 2,994 |
| Memoranda: | ||
| Average total assets | $101,029,750 | 5,099 |
| Average earning assets | $88,375,000 | 5,221 |
| Average equity | $11,128,000 | 5,039 |
| Average total loans | $72,826,750 | 4,816 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3992% | 5,157 |
| Cost of funding earning assets | 2.0787% | 3,375 |
| Net interest margin | 3.3205% | 5,471 |
| Noninterest income to average assets | 0.7676% | 2,602 |
| Noninterest expense to average assets | 3.5663% | 2,152 |
| Loan and lease loss provision to assets | 0.0496% | 6,738 |
| Net operating income to assets | 0.0430% | 5,722 |
| Return on assets (ROA) | 0.1369% | 5,556 |
| Pretax return on assets | 0.1507% | 5,565 |
| Return on Equity (ROE) | 1.2273% | 5,562 |
| Retained earnings to average equity (ytd only) | 1.2273% | 4,663 |
| Net charge-offs to loans | 0.2310% | 4,052 |
| Credit loss provision to net charge-offs | 29.7619% | 6,037 |
| Earnings coverage of net charge-offs (x) | 0.5833% | 5,130 |
| Efficiency ratio | 97.3470% | 1,299 |
| Assets per employee ($millions) | 2.6168% | 7,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7007% | 7,423 |
| Loan loss allowance to noncurrent loans | 1,193.0233% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 7,499 |
| Noncurrent loans to loans | 0.0587% | 7,386 |
| Net loans and leases to total assets | 71.2305% | 3,414 |
| Net loans and leases to deposits | 89.0063% | 2,989 |
| Net loans and leases to core deposits | 107.4242% | 3,672 |
| Total domestic deposits to total assets | 80.0286% | 5,468 |
| Equity capital to assets | 10.5178% | 3,385 |
| Core capital (leverage) ratio | 10.4827% | 2,826 |
| Tier 1 risk-based capital ratio | 15.0178% | 3,014 |
| Total risk-based capital ratio | 15.7382% | 3,193 |
| Memoranda: | ||
| Average total assets | $100,832,000 | 5,141 |
| Average earning assets | $87,938,670 | 5,267 |
| Average equity | $11,244,330 | 5,015 |
| Average total loans | $72,718,000 | 4,855 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1719% | 6,406 |
| Cost of funding earning assets | 2.1112% | 3,598 |
| Net interest margin | 3.0608% | 6,302 |
| Noninterest income to average assets | 0.6466% | 3,219 |
| Noninterest expense to average assets | 3.4724% | 2,165 |
| Loan and lease loss provision to assets | 0.0279% | 6,576 |
| Net operating income to assets | -0.1876% | 6,540 |
| Return on assets (ROA) | 0.0200% | 6,363 |
| Pretax return on assets | 0.0040% | 6,364 |
| Return on Equity (ROE) | 0.1739% | 6,367 |
| Retained earnings to average equity (ytd only) | 0.1739% | 5,586 |
| Net charge-offs to loans | 0.1877% | 3,510 |
| Credit loss provision to net charge-offs | 20.5882% | 5,067 |
| Earnings coverage of net charge-offs (x) | -1.2941% | 5,408 |
| Efficiency ratio | 105.3269% | 942 |
| Assets per employee ($millions) | 2.7205% | 6,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7471% | 7,317 |
| Loan loss allowance to noncurrent loans | 13.7547% | 7,439 |
| Noncurrent assets plus other real estate owned to assets | 4.6663% | 1,010 |
| Noncurrent loans to loans | 5.4313% | 960 |
| Net loans and leases to total assets | 69.9110% | 3,690 |
| Net loans and leases to deposits | 88.6189% | 3,169 |
| Net loans and leases to core deposits | 110.0832% | 3,426 |
| Total domestic deposits to total assets | 78.8895% | 5,768 |
| Equity capital to assets | 11.1327% | 2,867 |
| Core capital (leverage) ratio | 11.2170% | 2,325 |
| Tier 1 risk-based capital ratio | 16.0903% | 2,658 |
| Total risk-based capital ratio | 16.8440% | 2,754 |
| Memoranda: | ||
| Average total assets | $100,220,000 | 5,175 |
| Average earning assets | $86,776,000 | 5,327 |
| Average equity | $11,499,500 | 4,977 |
| Average total loans | $72,473,000 | 4,889 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1797% | 4,619 |
| Cost of funding earning assets | 2.7174% | 3,078 |
| Net interest margin | 3.4623% | 5,429 |
| Noninterest income to average assets | 0.7233% | 2,956 |
| Noninterest expense to average assets | 3.7109% | 1,937 |
| Loan and lease loss provision to assets | 0.3466% | 3,625 |
| Net operating income to assets | -0.2535% | 6,685 |
| Return on assets (ROA) | -0.2190% | 6,486 |
| Pretax return on assets | -0.3217% | 6,485 |
| Return on Equity (ROE) | -1.8107% | 6,481 |
| Retained earnings to average equity (ytd only) | -2.3255% | 5,959 |
| Net charge-offs to loans | 0.1035% | 5,275 |
| Credit loss provision to net charge-offs | 457.5342% | 958 |
| Earnings coverage of net charge-offs (x) | -0.3425% | 6,439 |
| Efficiency ratio | 100.7040% | 956 |
| Assets per employee ($millions) | 2.4887% | 7,219 |
| Cash dividends to net income (ytd only)* | -28.4360% | 7,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 7,048 |
| Loan loss allowance to noncurrent loans | 20.9943% | 7,191 |
| Noncurrent assets plus other real estate owned to assets | 3.9893% | 1,031 |
| Noncurrent loans to loans | 3.8764% | 1,276 |
| Net loans and leases to total assets | 73.7080% | 3,181 |
| Net loans and leases to deposits | 95.1077% | 2,597 |
| Net loans and leases to core deposits | 117.8308% | 2,907 |
| Total domestic deposits to total assets | 77.4995% | 5,876 |
| Equity capital to assets | 11.8380% | 2,397 |
| Core capital (leverage) ratio | 11.9266% | 2,003 |
| Tier 1 risk-based capital ratio | 16.5806% | 2,456 |
| Total risk-based capital ratio | 17.4200% | 2,532 |
| Memoranda: | ||
| Average total assets | $96,364,000 | 5,159 |
| Average earning assets | $82,431,200 | 5,351 |
| Average equity | $11,653,200 | 4,929 |
| Average total loans | $70,519,200 | 4,848 |