Home > Commodore Bank > Performance and Condition Ratios
Commodore 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 | 3.9031% | 4,081 |
| Cost of funding earning assets | 0.6331% | 4,026 |
| Net interest margin | 3.2700% | 2,707 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 3.7481% | 442 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | -0.8286% | 4,528 |
| Return on assets (ROA) | -0.8297% | 4,517 |
| Pretax return on assets | -0.4204% | 4,476 |
| Return on Equity (ROE) | -17.6900% | 4,538 |
| Retained earnings to average equity (ytd only) | -17.6908% | 4,510 |
| Net charge-offs to loans | 0.1076% | 861 |
| Credit loss provision to net charge-offs | 37.5000% | 2,253 |
| Earnings coverage of net charge-offs (x) | -6.4464% | 4,547 |
| Efficiency ratio | 111.8206% | 101 |
| Assets per employee ($millions) | 5.5821% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 4,047 |
| Loan loss allowance to noncurrent loans | 29.1056% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.5272% | 243 |
| Noncurrent loans to loans | 2.5895% | 185 |
| Net loans and leases to total assets | 58.5300% | 2,987 |
| Net loans and leases to deposits | 62.8261% | 3,359 |
| Net loans and leases to core deposits | 63.7167% | 3,601 |
| Total domestic deposits to total assets | 93.1600% | 157 |
| Equity capital to assets | 4.6118% | 4,455 |
| Core capital (leverage) ratio | 6.6257% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5665% | 2,392 |
| Memoranda: | ||
| Average total assets | $91,112,600 | 3,909 |
| Average earning assets | $80,551,600 | 3,927 |
| Average equity | $4,273,400 | 4,331 |
| Average total loans | $52,047,400 | 3,811 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 4,126 |
| Cost of funding earning assets | 0.5708% | 4,025 |
| Net interest margin | 3.2205% | 2,868 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 3.7001% | 449 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | -0.3233% | 4,515 |
| Return on assets (ROA) | -0.3233% | 4,504 |
| Pretax return on assets | -0.4325% | 4,507 |
| Return on Equity (ROE) | -6.8600% | 4,517 |
| Retained earnings to average equity (ytd only) | -6.8644% | 4,464 |
| Net charge-offs to loans | 0.1413% | 581 |
| Credit loss provision to net charge-offs | 30.9091% | 1,966 |
| Earnings coverage of net charge-offs (x) | -5.0909% | 4,584 |
| Efficiency ratio | 112.3839% | 96 |
| Assets per employee ($millions) | 5.3259% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7541% | 4,062 |
| Loan loss allowance to noncurrent loans | 35.1159% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.2392% | 352 |
| Noncurrent loans to loans | 2.1474% | 262 |
| Net loans and leases to total assets | 57.2700% | 3,095 |
| Net loans and leases to deposits | 60.6127% | 3,470 |
| Net loans and leases to core deposits | 61.5509% | 3,630 |
| Total domestic deposits to total assets | 94.4900% | 147 |
| Equity capital to assets | 4.3461% | 4,359 |
| Core capital (leverage) ratio | 6.5593% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4178% | 2,473 |
| Memoranda: | ||
| Average total assets | $91,562,250 | 3,914 |
| Average earning assets | $80,814,500 | 3,940 |
| Average equity | $4,312,000 | 4,329 |
| Average total loans | $51,890,750 | 3,825 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6795% | 4,165 |
| Cost of funding earning assets | 0.4717% | 4,033 |
| Net interest margin | 3.2078% | 2,971 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 3.5712% | 491 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | -0.2677% | 4,544 |
| Return on assets (ROA) | -0.2677% | 4,532 |
| Pretax return on assets | -0.3634% | 4,537 |
| Return on Equity (ROE) | -5.5400% | 4,552 |
| Retained earnings to average equity (ytd only) | -5.5435% | 4,442 |
| Net charge-offs to loans | 0.0425% | 1,084 |
| Credit loss provision to net charge-offs | 136.3636% | 1,255 |
| Earnings coverage of net charge-offs (x) | -12.4545% | 4,636 |
| Efficiency ratio | 109.1090% | 103 |
| Assets per employee ($millions) | 4.6025% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 3,986 |
| Loan loss allowance to noncurrent loans | 27.0859% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.7447% | 176 |
| Noncurrent loans to loans | 3.0069% | 140 |
| Net loans and leases to total assets | 57.5500% | 3,000 |
| Net loans and leases to deposits | 63.5623% | 3,225 |
| Net loans and leases to core deposits | 63.8534% | 3,459 |
| Total domestic deposits to total assets | 90.5400% | 768 |
| Equity capital to assets | 4.6714% | 4,422 |
| Core capital (leverage) ratio | 6.6846% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8010% | 2,370 |
| Memoranda: | ||
| Average total assets | $91,903,000 | 3,924 |
| Average earning assets | $80,990,000 | 3,955 |
| Average equity | $4,437,667 | 4,347 |
| Average total loans | $51,771,000 | 3,836 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6554% | 4,092 |
| Cost of funding earning assets | 0.3502% | 4,074 |
| Net interest margin | 3.3051% | 2,865 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 3.3497% | 651 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | -0.0218% | 4,505 |
| Return on assets (ROA) | -0.0218% | 4,487 |
| Pretax return on assets | -0.0523% | 4,486 |
| Return on Equity (ROE) | -0.4400% | 4,466 |
| Retained earnings to average equity (ytd only) | -0.4438% | 4,077 |
| Net charge-offs to loans | 0.0942% | 614 |
| Credit loss provision to net charge-offs | 125.0000% | 1,020 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 2,005 |
| Efficiency ratio | 99.6114% | 180 |
| Assets per employee ($millions) | 5.3399% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 4,041 |
| Loan loss allowance to noncurrent loans | 25.9701% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.8451% | 145 |
| Noncurrent loans to loans | 3.1861% | 135 |
| Net loans and leases to total assets | 57.4300% | 2,916 |
| Net loans and leases to deposits | 61.3983% | 3,265 |
| Net loans and leases to core deposits | 61.6743% | 3,464 |
| Total domestic deposits to total assets | 93.5400% | 223 |
| Equity capital to assets | 5.0012% | 4,420 |
| Core capital (leverage) ratio | 6.8099% | 4,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1387% | 2,338 |
| Memoranda: | ||
| Average total assets | $91,829,500 | 3,979 |
| Average earning assets | $81,086,000 | 4,006 |
| Average equity | $4,506,500 | 4,401 |
| Average total loans | $50,951,000 | 3,894 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3704% | 3,418 |
| Cost of funding earning assets | 0.2432% | 3,379 |
| Net interest margin | 3.1272% | 3,094 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 3.2369% | 682 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.0434% | 4,541 |
| Return on assets (ROA) | 0.0434% | 4,528 |
| Pretax return on assets | 0.0290% | 4,530 |
| Return on Equity (ROE) | 0.8000% | 4,505 |
| Retained earnings to average equity (ytd only) | 0.8020% | 4,234 |
| Net charge-offs to loans | -0.0791% | 4,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 99.2703% | 153 |
| Assets per employee ($millions) | 6.1920% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 3,854 |
| Loan loss allowance to noncurrent loans | 25.4417% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.8282% | 142 |
| Noncurrent loans to loans | 3.4421% | 113 |
| Net loans and leases to total assets | 52.6500% | 3,312 |
| Net loans and leases to deposits | 56.0403% | 3,576 |
| Net loans and leases to core deposits | 56.5622% | 3,699 |
| Total domestic deposits to total assets | 93.9400% | 249 |
| Equity capital to assets | 4.8159% | 4,409 |
| Core capital (leverage) ratio | 6.4087% | 4,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8952% | 2,015 |
| Memoranda: | ||
| Average total assets | $96,667,200 | 3,956 |
| Average earning assets | $85,924,600 | 3,967 |
| Average equity | $5,237,200 | 4,408 |
| Average total loans | $49,277,200 | 3,906 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2419% | 3,329 |
| Cost of funding earning assets | 0.2209% | 3,026 |
| Net interest margin | 3.0209% | 3,165 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 3.1197% | 760 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.0833% | 4,556 |
| Return on assets (ROA) | 0.0833% | 4,527 |
| Pretax return on assets | 0.0792% | 4,525 |
| Return on Equity (ROE) | 1.5000% | 4,453 |
| Retained earnings to average equity (ytd only) | 1.4983% | 4,139 |
| Net charge-offs to loans | -0.1434% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 97.9417% | 179 |
| Assets per employee ($millions) | 7.8583% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 3,839 |
| Loan loss allowance to noncurrent loans | 22.0280% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.9597% | 138 |
| Noncurrent loans to loans | 4.1030% | 89 |
| Net loans and leases to total assets | 47.3300% | 3,679 |
| Net loans and leases to deposits | 49.9587% | 3,858 |
| Net loans and leases to core deposits | 50.3772% | 3,927 |
| Total domestic deposits to total assets | 94.7400% | 254 |
| Equity capital to assets | 4.1426% | 4,463 |
| Core capital (leverage) ratio | 6.3743% | 4,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9529% | 2,070 |
| Memoranda: | ||
| Average total assets | $97,614,000 | 3,977 |
| Average earning assets | $86,902,250 | 3,985 |
| Average equity | $5,428,250 | 4,422 |
| Average total loans | $49,264,000 | 3,923 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2115% | 3,004 |
| Cost of funding earning assets | 0.1730% | 3,280 |
| Net interest margin | 3.0385% | 2,766 |
| Noninterest income to average assets | 0.5303% | 2,041 |
| Noninterest expense to average assets | 3.2214% | 607 |
| Loan and lease loss provision to assets | -0.0250% | 4,448 |
| Net operating income to assets | 0.0499% | 4,554 |
| Return on assets (ROA) | 0.0499% | 4,521 |
| Pretax return on assets | 0.0374% | 4,524 |
| Return on Equity (ROE) | 0.8141% | 4,482 |
| Retained earnings to average equity (ytd only) | 0.8141% | 4,032 |
| Net charge-offs to loans | -0.1980% | 4,588 |
| Credit loss provision to net charge-offs | 24.4898% | 1,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6141% | 189 |
| Assets per employee ($millions) | 6.0959% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 4,033 |
| Loan loss allowance to noncurrent loans | 23.0403% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.9357% | 149 |
| Noncurrent loans to loans | 3.7732% | 100 |
| Net loans and leases to total assets | 50.8556% | 3,286 |
| Net loans and leases to deposits | 54.1938% | 3,525 |
| Net loans and leases to core deposits | 54.6741% | 3,656 |
| Total domestic deposits to total assets | 93.8402% | 311 |
| Equity capital to assets | 4.9182% | 4,493 |
| Core capital (leverage) ratio | 6.7482% | 4,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8976% | 2,532 |
| Memoranda: | ||
| Average total assets | $96,168,333 | 4,028 |
| Average earning assets | $85,568,333 | 4,054 |
| Average equity | $5,896,000 | 4,424 |
| Average total loans | $49,491,333 | 3,967 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9908% | 3,281 |
| Cost of funding earning assets | 0.1505% | 3,500 |
| Net interest margin | 2.8404% | 3,011 |
| Noninterest income to average assets | 0.5278% | 2,005 |
| Noninterest expense to average assets | 3.3555% | 491 |
| Loan and lease loss provision to assets | 0.0419% | 1,601 |
| Net operating income to assets | -0.2472% | 4,654 |
| Return on assets (ROA) | -0.2472% | 4,639 |
| Pretax return on assets | -0.3393% | 4,644 |
| Return on Equity (ROE) | -3.6615% | 4,679 |
| Retained earnings to average equity (ytd only) | -3.6615% | 4,351 |
| Net charge-offs to loans | -0.0081% | 3,506 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7260% | 134 |
| Assets per employee ($millions) | 5.1015% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 4,230 |
| Loan loss allowance to noncurrent loans | 23.5057% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.7951% | 172 |
| Noncurrent loans to loans | 3.4370% | 131 |
| Net loans and leases to total assets | 51.8080% | 3,001 |
| Net loans and leases to deposits | 55.8004% | 3,286 |
| Net loans and leases to core deposits | 56.3034% | 3,423 |
| Total domestic deposits to total assets | 92.8453% | 315 |
| Equity capital to assets | 6.0312% | 4,577 |
| Core capital (leverage) ratio | 6.8943% | 4,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1471% | 2,138 |
| Memoranda: | ||
| Average total assets | $95,485,000 | 4,050 |
| Average earning assets | $85,059,500 | 4,073 |
| Average equity | $6,445,500 | 4,420 |
| Average total loans | $49,218,500 | 3,986 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8836% | 4,086 |
| Cost of funding earning assets | 0.1791% | 3,668 |
| Net interest margin | 2.7045% | 3,863 |
| Noninterest income to average assets | 0.6223% | 2,066 |
| Noninterest expense to average assets | 2.9805% | 1,015 |
| Loan and lease loss provision to assets | -0.0121% | 4,180 |
| Net operating income to assets | 0.0726% | 4,643 |
| Return on assets (ROA) | 0.0726% | 4,653 |
| Pretax return on assets | 0.0616% | 4,666 |
| Return on Equity (ROE) | 0.9227% | 4,615 |
| Retained earnings to average equity (ytd only) | 0.9227% | 4,278 |
| Net charge-offs to loans | 0.1444% | 653 |
| Credit loss provision to net charge-offs | -18.0328% | 3,185 |
| Earnings coverage of net charge-offs (x) | 0.7377% | 2,638 |
| Efficiency ratio | 98.3672% | 164 |
| Assets per employee ($millions) | 4.9495% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 4,212 |
| Loan loss allowance to noncurrent loans | 21.7059% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.9449% | 164 |
| Noncurrent loans to loans | 3.8255% | 115 |
| Net loans and leases to total assets | 50.4184% | 3,233 |
| Net loans and leases to deposits | 55.3740% | 3,475 |
| Net loans and leases to core deposits | 56.2070% | 3,603 |
| Total domestic deposits to total assets | 91.0507% | 477 |
| Equity capital to assets | 7.4914% | 4,592 |
| Core capital (leverage) ratio | 7.0685% | 4,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7970% | 1,924 |
| Memoranda: | ||
| Average total assets | $90,957,000 | 4,085 |
| Average earning assets | $80,975,600 | 4,118 |
| Average equity | $7,152,800 | 4,412 |
| Average total loans | $42,231,600 | 4,144 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8666% | 4,217 |
| Cost of funding earning assets | 0.1830% | 3,779 |
| Net interest margin | 2.6836% | 4,008 |
| Noninterest income to average assets | 0.6268% | 2,109 |
| Noninterest expense to average assets | 3.0263% | 924 |
| Loan and lease loss provision to assets | -0.0166% | 4,343 |
| Net operating income to assets | 0.0281% | 4,728 |
| Return on assets (ROA) | 0.0281% | 4,740 |
| Pretax return on assets | 0.0015% | 4,752 |
| Return on Equity (ROE) | 0.3528% | 4,735 |
| Retained earnings to average equity (ytd only) | 0.3528% | 4,515 |
| Net charge-offs to loans | 0.2024% | 413 |
| Credit loss provision to net charge-offs | -17.7419% | 3,075 |
| Earnings coverage of net charge-offs (x) | -0.1613% | 2,413 |
| Efficiency ratio | 100.4909% | 154 |
| Assets per employee ($millions) | 4.7764% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 4,250 |
| Loan loss allowance to noncurrent loans | 20.8071% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 2.1230% | 167 |
| Noncurrent loans to loans | 4.1300% | 121 |
| Net loans and leases to total assets | 47.9467% | 3,633 |
| Net loans and leases to deposits | 52.6079% | 3,837 |
| Net loans and leases to core deposits | 53.3848% | 3,958 |
| Total domestic deposits to total assets | 91.1397% | 324 |
| Equity capital to assets | 7.5214% | 4,696 |
| Core capital (leverage) ratio | 7.1434% | 4,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1827% | 1,905 |
| Memoranda: | ||
| Average total assets | $90,186,000 | 4,146 |
| Average earning assets | $80,140,500 | 4,181 |
| Average equity | $7,179,750 | 4,471 |
| Average total loans | $40,836,750 | 4,226 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9124% | 4,206 |
| Cost of funding earning assets | 0.1872% | 3,878 |
| Net interest margin | 2.7253% | 3,932 |
| Noninterest income to average assets | 0.6741% | 1,913 |
| Noninterest expense to average assets | 3.0630% | 894 |
| Loan and lease loss provision to assets | -0.0249% | 4,448 |
| Net operating income to assets | 0.0814% | 4,729 |
| Return on assets (ROA) | 0.0814% | 4,744 |
| Pretax return on assets | 0.0407% | 4,765 |
| Return on Equity (ROE) | 1.0026% | 4,701 |
| Retained earnings to average equity (ytd only) | 1.0026% | 4,339 |
| Net charge-offs to loans | 0.2971% | 295 |
| Credit loss provision to net charge-offs | -18.9655% | 2,922 |
| Earnings coverage of net charge-offs (x) | 0.1207% | 2,199 |
| Efficiency ratio | 99.4857% | 171 |
| Assets per employee ($millions) | 3.9137% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 4,060 |
| Loan loss allowance to noncurrent loans | 22.1976% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 2.1352% | 191 |
| Noncurrent loans to loans | 4.1996% | 123 |
| Net loans and leases to total assets | 47.2238% | 3,803 |
| Net loans and leases to deposits | 52.2063% | 3,982 |
| Net loans and leases to core deposits | 53.0302% | 4,082 |
| Total domestic deposits to total assets | 90.4561% | 573 |
| Equity capital to assets | 7.9375% | 4,564 |
| Core capital (leverage) ratio | 7.3922% | 4,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5518% | 2,143 |
| Memoranda: | ||
| Average total assets | $88,409,000 | 4,192 |
| Average earning assets | $78,010,000 | 4,231 |
| Average equity | $7,181,333 | 4,493 |
| Average total loans | $39,049,333 | 4,303 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8965% | 4,258 |
| Cost of funding earning assets | 0.1833% | 4,057 |
| Net interest margin | 2.7132% | 3,936 |
| Noninterest income to average assets | 0.9178% | 1,283 |
| Noninterest expense to average assets | 3.1003% | 838 |
| Loan and lease loss provision to assets | 0.0320% | 2,351 |
| Net operating income to assets | 0.1461% | 4,675 |
| Return on assets (ROA) | 0.1461% | 4,693 |
| Pretax return on assets | 0.1507% | 4,702 |
| Return on Equity (ROE) | 1.7779% | 4,629 |
| Retained earnings to average equity (ytd only) | 1.7779% | 4,058 |
| Net charge-offs to loans | 0.0862% | 763 |
| Credit loss provision to net charge-offs | 87.5000% | 1,182 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 1,699 |
| Efficiency ratio | 94.4367% | 278 |
| Assets per employee ($millions) | 3.6338% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,728 |
| Loan loss allowance to noncurrent loans | 27.3046% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 2.0882% | 236 |
| Noncurrent loans to loans | 4.5327% | 102 |
| Net loans and leases to total assets | 41.1096% | 4,287 |
| Net loans and leases to deposits | 45.3801% | 4,381 |
| Net loans and leases to core deposits | 46.0868% | 4,436 |
| Total domestic deposits to total assets | 90.5895% | 546 |
| Equity capital to assets | 7.8761% | 4,560 |
| Core capital (leverage) ratio | 7.8228% | 4,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2735% | 1,824 |
| Memoranda: | ||
| Average total assets | $87,605,500 | 4,217 |
| Average earning assets | $76,368,500 | 4,276 |
| Average equity | $7,199,500 | 4,510 |
| Average total loans | $37,119,500 | 4,349 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6871% | 3,608 |
| Cost of funding earning assets | 0.2701% | 4,293 |
| Net interest margin | 3.4170% | 2,723 |
| Noninterest income to average assets | 0.9080% | 1,244 |
| Noninterest expense to average assets | 3.5528% | 646 |
| Loan and lease loss provision to assets | 0.0945% | 3,166 |
| Net operating income to assets | 0.1713% | 4,606 |
| Return on assets (ROA) | 0.1725% | 4,661 |
| Pretax return on assets | 0.1776% | 4,663 |
| Return on Equity (ROE) | 1.9363% | 4,575 |
| Retained earnings to average equity (ytd only) | 0.8763% | 4,264 |
| Net charge-offs to loans | 0.0695% | 1,799 |
| Credit loss provision to net charge-offs | 267.8571% | 1,852 |
| Earnings coverage of net charge-offs (x) | 7.6786% | 2,672 |
| Efficiency ratio | 92.9183% | 294 |
| Assets per employee ($millions) | 3.5153% | 4,644 |
| Cash dividends to net income (ytd only)* | 54.7445% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,460 |
| Loan loss allowance to noncurrent loans | 38.3048% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 2.4773% | 183 |
| Noncurrent loans to loans | 3.3686% | 223 |
| Net loans and leases to total assets | 42.6179% | 4,317 |
| Net loans and leases to deposits | 47.4967% | 4,411 |
| Net loans and leases to core deposits | 48.3006% | 4,476 |
| Total domestic deposits to total assets | 89.7281% | 670 |
| Equity capital to assets | 8.5864% | 4,383 |
| Core capital (leverage) ratio | 7.9885% | 4,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8648% | 1,902 |
| Memoranda: | ||
| Average total assets | $79,402,800 | 4,250 |
| Average earning assets | $67,750,200 | 4,326 |
| Average equity | $7,075,200 | 4,517 |
| Average total loans | $40,299,200 | 4,304 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 3,342 |
| Cost of funding earning assets | 0.2887% | 4,355 |
| Net interest margin | 3.5861% | 2,320 |
| Noninterest income to average assets | 0.8188% | 1,424 |
| Noninterest expense to average assets | 3.5498% | 662 |
| Loan and lease loss provision to assets | 0.0972% | 3,108 |
| Net operating income to assets | 0.2253% | 4,552 |
| Return on assets (ROA) | 0.2269% | 4,593 |
| Pretax return on assets | 0.2456% | 4,608 |
| Return on Equity (ROE) | 2.5214% | 4,474 |
| Retained earnings to average equity (ytd only) | 1.0996% | 4,222 |
| Net charge-offs to loans | 0.0452% | 1,977 |
| Credit loss provision to net charge-offs | 407.1429% | 1,446 |
| Earnings coverage of net charge-offs (x) | 14.2857% | 2,162 |
| Efficiency ratio | 91.2319% | 335 |
| Assets per employee ($millions) | 3.9241% | 4,384 |
| Cash dividends to net income (ytd only)* | 56.3910% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 2,731 |
| Loan loss allowance to noncurrent loans | 32.4476% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.7983% | 169 |
| Noncurrent loans to loans | 3.6618% | 202 |
| Net loans and leases to total assets | 46.8267% | 4,273 |
| Net loans and leases to deposits | 52.3554% | 4,398 |
| Net loans and leases to core deposits | 53.2645% | 4,483 |
| Total domestic deposits to total assets | 89.4401% | 603 |
| Equity capital to assets | 8.7688% | 4,275 |
| Core capital (leverage) ratio | 8.5248% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3477% | 1,710 |
| Memoranda: | ||
| Average total assets | $78,162,000 | 4,273 |
| Average earning assets | $66,961,500 | 4,346 |
| Average equity | $7,033,000 | 4,538 |
| Average total loans | $41,267,750 | 4,314 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 2,957 |
| Cost of funding earning assets | 0.3386% | 4,318 |
| Net interest margin | 3.7950% | 1,849 |
| Noninterest income to average assets | 0.7349% | 1,623 |
| Noninterest expense to average assets | 3.6431% | 616 |
| Loan and lease loss provision to assets | 0.1016% | 2,995 |
| Net operating income to assets | 0.2165% | 4,551 |
| Return on assets (ROA) | 0.2189% | 4,589 |
| Pretax return on assets | 0.2345% | 4,601 |
| Return on Equity (ROE) | 2.4108% | 4,456 |
| Retained earnings to average equity (ytd only) | 2.4108% | 3,609 |
| Net charge-offs to loans | 0.0524% | 1,742 |
| Credit loss provision to net charge-offs | 354.5455% | 1,501 |
| Earnings coverage of net charge-offs (x) | 11.6364% | 2,094 |
| Efficiency ratio | 91.6121% | 353 |
| Assets per employee ($millions) | 4.1107% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 3,109 |
| Loan loss allowance to noncurrent loans | 40.6872% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 2.5376% | 219 |
| Noncurrent loans to loans | 2.6841% | 411 |
| Net loans and leases to total assets | 52.1817% | 4,019 |
| Net loans and leases to deposits | 58.7686% | 4,177 |
| Net loans and leases to core deposits | 59.5230% | 4,288 |
| Total domestic deposits to total assets | 88.7919% | 825 |
| Equity capital to assets | 9.3119% | 3,821 |
| Core capital (leverage) ratio | 8.4344% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0702% | 1,784 |
| Memoranda: | ||
| Average total assets | $76,747,333 | 4,299 |
| Average earning assets | $65,560,667 | 4,380 |
| Average equity | $6,968,667 | 4,569 |
| Average total loans | $42,006,333 | 4,312 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 3,389 |
| Cost of funding earning assets | 0.3955% | 4,380 |
| Net interest margin | 3.7508% | 2,136 |
| Noninterest income to average assets | 0.6152% | 1,973 |
| Noninterest expense to average assets | 3.6914% | 709 |
| Loan and lease loss provision to assets | 0.1104% | 2,303 |
| Net operating income to assets | 0.0368% | 4,725 |
| Return on assets (ROA) | 0.0421% | 4,716 |
| Pretax return on assets | 0.0105% | 4,725 |
| Return on Equity (ROE) | 0.4694% | 4,696 |
| Retained earnings to average equity (ytd only) | 0.4694% | 3,887 |
| Net charge-offs to loans | -0.0189% | 4,316 |
| Credit loss provision to net charge-offs | -1,050.0000% | 3,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9613% | 301 |
| Assets per employee ($millions) | 3.6006% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,434 |
| Loan loss allowance to noncurrent loans | 44.2786% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 2.4943% | 273 |
| Noncurrent loans to loans | 2.3783% | 517 |
| Net loans and leases to total assets | 55.2974% | 3,885 |
| Net loans and leases to deposits | 62.9775% | 4,037 |
| Net loans and leases to core deposits | 63.8205% | 4,179 |
| Total domestic deposits to total assets | 87.8050% | 1,186 |
| Equity capital to assets | 9.0262% | 4,587 |
| Core capital (leverage) ratio | 8.7268% | 4,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8208% | 1,652 |
| Memoranda: | ||
| Average total assets | $76,069,000 | 4,315 |
| Average earning assets | $64,732,000 | 4,405 |
| Average equity | $6,816,500 | 4,619 |
| Average total loans | $42,406,500 | 4,320 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 3,592 |
| Cost of funding earning assets | 0.5229% | 3,993 |
| Net interest margin | 3.7573% | 2,645 |
| Noninterest income to average assets | 0.4582% | 2,960 |
| Noninterest expense to average assets | 3.6893% | 773 |
| Loan and lease loss provision to assets | 0.0822% | 2,362 |
| Net operating income to assets | -0.0309% | 4,982 |
| Return on assets (ROA) | -0.0112% | 4,994 |
| Pretax return on assets | -0.0672% | 4,996 |
| Return on Equity (ROE) | -0.1359% | 4,995 |
| Retained earnings to average equity (ytd only) | -0.1359% | 4,722 |
| Net charge-offs to loans | 0.0712% | 2,082 |
| Credit loss provision to net charge-offs | 206.2500% | 1,288 |
| Earnings coverage of net charge-offs (x) | -0.2500% | 3,640 |
| Efficiency ratio | 100.2707% | 156 |
| Assets per employee ($millions) | 3.1885% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 3,568 |
| Loan loss allowance to noncurrent loans | 41.4946% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 2.4802% | 262 |
| Noncurrent loans to loans | 2.3898% | 479 |
| Net loans and leases to total assets | 55.0591% | 3,993 |
| Net loans and leases to deposits | 63.7158% | 4,092 |
| Net loans and leases to core deposits | 64.5702% | 4,256 |
| Total domestic deposits to total assets | 86.4136% | 1,882 |
| Equity capital to assets | 8.8964% | 4,737 |
| Core capital (leverage) ratio | 8.2097% | 4,971 |
| Tier 1 risk-based capital ratio | 14.3570% | 3,088 |
| Total risk-based capital ratio | 15.3059% | 3,148 |
| Memoranda: | ||
| Average total assets | $80,313,400 | 4,280 |
| Average earning assets | $68,852,200 | 4,362 |
| Average equity | $6,620,800 | 4,680 |
| Average total loans | $44,929,200 | 4,283 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 3,708 |
| Cost of funding earning assets | 0.5446% | 3,963 |
| Net interest margin | 3.7395% | 2,792 |
| Noninterest income to average assets | 0.4725% | 2,887 |
| Noninterest expense to average assets | 3.5884% | 858 |
| Loan and lease loss provision to assets | 0.0870% | 2,180 |
| Net operating income to assets | 0.0410% | 5,050 |
| Return on assets (ROA) | 0.0738% | 5,048 |
| Pretax return on assets | 0.0410% | 5,061 |
| Return on Equity (ROE) | 0.9127% | 5,021 |
| Retained earnings to average equity (ytd only) | 0.9127% | 4,589 |
| Net charge-offs to loans | 0.1054% | 1,414 |
| Credit loss provision to net charge-offs | 147.2222% | 1,661 |
| Earnings coverage of net charge-offs (x) | 1.6110% | 3,274 |
| Efficiency ratio | 97.4165% | 177 |
| Assets per employee ($millions) | 3.8150% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 3,964 |
| Loan loss allowance to noncurrent loans | 37.2928% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 2.5064% | 274 |
| Noncurrent loans to loans | 2.4652% | 478 |
| Net loans and leases to total assets | 54.4817% | 4,138 |
| Net loans and leases to deposits | 62.6397% | 4,255 |
| Net loans and leases to core deposits | 63.4124% | 4,407 |
| Total domestic deposits to total assets | 86.9762% | 1,535 |
| Equity capital to assets | 8.5265% | 4,989 |
| Core capital (leverage) ratio | 8.2228% | 5,059 |
| Tier 1 risk-based capital ratio | 14.3010% | 3,173 |
| Total risk-based capital ratio | 15.1839% | 3,277 |
| Memoranda: | ||
| Average total assets | $81,260,500 | 4,321 |
| Average earning assets | $69,776,750 | 4,400 |
| Average equity | $6,574,000 | 4,747 |
| Average total loans | $45,522,500 | 4,325 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2917% | 3,659 |
| Cost of funding earning assets | 0.5728% | 3,781 |
| Net interest margin | 3.7189% | 2,874 |
| Noninterest income to average assets | 0.3921% | 3,327 |
| Noninterest expense to average assets | 3.5188% | 939 |
| Loan and lease loss provision to assets | 0.0858% | 2,129 |
| Net operating income to assets | 0.0245% | 5,091 |
| Return on assets (ROA) | 0.0245% | 5,100 |
| Pretax return on assets | -0.0147% | 5,112 |
| Return on Equity (ROE) | 0.3094% | 5,094 |
| Retained earnings to average equity (ytd only) | 0.3094% | 4,609 |
| Net charge-offs to loans | 0.1173% | 1,256 |
| Credit loss provision to net charge-offs | 129.6296% | 1,667 |
| Earnings coverage of net charge-offs (x) | 1.0741% | 3,055 |
| Efficiency ratio | 98.0205% | 176 |
| Assets per employee ($millions) | 3.4877% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 4,136 |
| Loan loss allowance to noncurrent loans | 41.9936% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 2.3187% | 343 |
| Noncurrent loans to loans | 2.1201% | 648 |
| Net loans and leases to total assets | 54.9528% | 4,147 |
| Net loans and leases to deposits | 64.0010% | 4,226 |
| Net loans and leases to core deposits | 65.1493% | 4,356 |
| Total domestic deposits to total assets | 85.8623% | 2,106 |
| Equity capital to assets | 8.4158% | 5,074 |
| Core capital (leverage) ratio | 8.2578% | 5,077 |
| Tier 1 risk-based capital ratio | 14.4437% | 3,093 |
| Total risk-based capital ratio | 15.3110% | 3,206 |
| Memoranda: | ||
| Average total assets | $81,619,000 | 4,354 |
| Average earning assets | $70,182,330 | 4,439 |
| Average equity | $6,463,670 | 4,786 |
| Average total loans | $46,016,330 | 4,343 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 3,629 |
| Cost of funding earning assets | 0.5939% | 3,608 |
| Net interest margin | 3.6821% | 2,964 |
| Noninterest income to average assets | 0.4859% | 2,636 |
| Noninterest expense to average assets | 3.5277% | 931 |
| Loan and lease loss provision to assets | 0.1069% | 1,669 |
| Net operating income to assets | 0.0486% | 5,118 |
| Return on assets (ROA) | 0.0486% | 5,121 |
| Pretax return on assets | 0.0146% | 5,132 |
| Return on Equity (ROE) | 0.6329% | 5,107 |
| Retained earnings to average equity (ytd only) | 0.6329% | 4,401 |
| Net charge-offs to loans | -0.0085% | 4,174 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6711% | 218 |
| Assets per employee ($millions) | 3.9274% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 4,273 |
| Loan loss allowance to noncurrent loans | 48.6967% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.3219% | 360 |
| Noncurrent loans to loans | 1.7850% | 868 |
| Net loans and leases to total assets | 56.8311% | 3,995 |
| Net loans and leases to deposits | 68.1418% | 3,916 |
| Net loans and leases to core deposits | 69.3629% | 4,116 |
| Total domestic deposits to total assets | 83.4012% | 3,254 |
| Equity capital to assets | 7.8399% | 5,217 |
| Core capital (leverage) ratio | 8.1543% | 5,157 |
| Tier 1 risk-based capital ratio | 13.6517% | 3,520 |
| Total risk-based capital ratio | 14.5025% | 3,644 |
| Memoranda: | ||
| Average total assets | $82,319,500 | 4,379 |
| Average earning assets | $70,721,000 | 4,474 |
| Average equity | $6,320,000 | 4,840 |
| Average total loans | $46,785,500 | 4,370 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 3,257 |
| Cost of funding earning assets | 0.5443% | 3,088 |
| Net interest margin | 3.7114% | 2,990 |
| Noninterest income to average assets | 0.4948% | 2,858 |
| Noninterest expense to average assets | 3.4561% | 1,058 |
| Loan and lease loss provision to assets | 0.2498% | 686 |
| Net operating income to assets | 0.0372% | 5,215 |
| Return on assets (ROA) | 0.0372% | 5,211 |
| Pretax return on assets | -0.0096% | 5,230 |
| Return on Equity (ROE) | 0.4999% | 5,199 |
| Retained earnings to average equity (ytd only) | 0.4999% | 4,853 |
| Net charge-offs to loans | 0.3049% | 632 |
| Credit loss provision to net charge-offs | 148.5714% | 1,852 |
| Earnings coverage of net charge-offs (x) | 1.4286% | 3,624 |
| Efficiency ratio | 93.5023% | 248 |
| Assets per employee ($millions) | 3.7347% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 4,402 |
| Loan loss allowance to noncurrent loans | 70.8029% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.9534% | 496 |
| Noncurrent loans to loans | 1.1839% | 1,355 |
| Net loans and leases to total assets | 55.8646% | 4,144 |
| Net loans and leases to deposits | 68.2467% | 3,958 |
| Net loans and leases to core deposits | 69.4960% | 4,139 |
| Total domestic deposits to total assets | 81.8568% | 3,683 |
| Equity capital to assets | 7.5143% | 5,280 |
| Core capital (leverage) ratio | 8.1752% | 5,179 |
| Tier 1 risk-based capital ratio | 13.6352% | 3,470 |
| Total risk-based capital ratio | 14.4386% | 3,619 |
| Memoranda: | ||
| Average total assets | $83,273,000 | 4,371 |
| Average earning assets | $71,831,800 | 4,458 |
| Average equity | $6,201,200 | 4,863 |
| Average total loans | $45,923,400 | 4,406 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 3,200 |
| Cost of funding earning assets | 0.5452% | 2,893 |
| Net interest margin | 3.6853% | 3,072 |
| Noninterest income to average assets | 0.4898% | 2,923 |
| Noninterest expense to average assets | 3.5818% | 881 |
| Loan and lease loss provision to assets | 0.0957% | 2,065 |
| Net operating income to assets | 0.0319% | 5,285 |
| Return on assets (ROA) | 0.0319% | 5,283 |
| Pretax return on assets | -0.0064% | 5,297 |
| Return on Equity (ROE) | 0.4283% | 5,272 |
| Retained earnings to average equity (ytd only) | 0.4283% | 4,965 |
| Net charge-offs to loans | -0.0058% | 4,253 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5663% | 180 |
| Assets per employee ($millions) | 3.7158% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 4,512 |
| Loan loss allowance to noncurrent loans | 28.1411% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 2.1750% | 458 |
| Noncurrent loans to loans | 2.9643% | 372 |
| Net loans and leases to total assets | 55.6956% | 4,239 |
| Net loans and leases to deposits | 64.3243% | 4,311 |
| Net loans and leases to core deposits | 65.4402% | 4,433 |
| Total domestic deposits to total assets | 86.5856% | 1,921 |
| Equity capital to assets | 7.3788% | 5,330 |
| Core capital (leverage) ratio | 7.9628% | 5,323 |
| Tier 1 risk-based capital ratio | 13.8569% | 3,442 |
| Total risk-based capital ratio | 14.6642% | 3,592 |
| Memoranda: | ||
| Average total assets | $83,569,000 | 4,411 |
| Average earning assets | $72,141,250 | 4,501 |
| Average equity | $6,226,500 | 4,916 |
| Average total loans | $45,851,250 | 4,457 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 3,149 |
| Cost of funding earning assets | 0.5426% | 2,670 |
| Net interest margin | 3.6469% | 3,130 |
| Noninterest income to average assets | 0.4514% | 3,140 |
| Noninterest expense to average assets | 3.6495% | 820 |
| Loan and lease loss provision to assets | 0.1283% | 1,548 |
| Net operating income to assets | -0.0974% | 5,378 |
| Return on assets (ROA) | -0.0974% | 5,372 |
| Pretax return on assets | -0.1806% | 5,387 |
| Return on Equity (ROE) | -1.3034% | 5,389 |
| Retained earnings to average equity (ytd only) | -1.3034% | 5,100 |
| Net charge-offs to loans | 0.0436% | 1,992 |
| Credit loss provision to net charge-offs | 540.0000% | 671 |
| Earnings coverage of net charge-offs (x) | -2.2000% | 3,160 |
| Efficiency ratio | 101.4531% | 154 |
| Assets per employee ($millions) | 3.3116% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8120% | 4,655 |
| Loan loss allowance to noncurrent loans | 34.5725% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.9918% | 543 |
| Noncurrent loans to loans | 2.3487% | 574 |
| Net loans and leases to total assets | 54.8871% | 4,257 |
| Net loans and leases to deposits | 64.4480% | 4,252 |
| Net loans and leases to core deposits | 65.5686% | 4,392 |
| Total domestic deposits to total assets | 85.1649% | 2,611 |
| Equity capital to assets | 7.4079% | 5,396 |
| Core capital (leverage) ratio | 7.7567% | 5,405 |
| Tier 1 risk-based capital ratio | 13.9535% | 3,378 |
| Total risk-based capital ratio | 14.7545% | 3,525 |
| Memoranda: | ||
| Average total assets | $84,176,000 | 4,448 |
| Average earning assets | $72,610,330 | 4,535 |
| Average equity | $6,291,330 | 4,956 |
| Average total loans | $45,830,670 | 4,497 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 3,123 |
| Cost of funding earning assets | 0.5254% | 2,586 |
| Net interest margin | 3.6064% | 3,154 |
| Noninterest income to average assets | 0.4760% | 2,964 |
| Noninterest expense to average assets | 3.5113% | 982 |
| Loan and lease loss provision to assets | 0.1367% | 1,378 |
| Net operating income to assets | -0.0094% | 5,392 |
| Return on assets (ROA) | -0.0094% | 5,390 |
| Pretax return on assets | -0.0660% | 5,407 |
| Return on Equity (ROE) | -0.1256% | 5,391 |
| Retained earnings to average equity (ytd only) | -0.1256% | 4,816 |
| Net charge-offs to loans | 0.0785% | 1,345 |
| Credit loss provision to net charge-offs | 322.2222% | 779 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 2,536 |
| Efficiency ratio | 98.0263% | 208 |
| Assets per employee ($millions) | 3.8000% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 4,671 |
| Loan loss allowance to noncurrent loans | 36.9025% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 2.0478% | 544 |
| Noncurrent loans to loans | 2.2807% | 633 |
| Net loans and leases to total assets | 54.3983% | 4,247 |
| Net loans and leases to deposits | 65.2692% | 4,136 |
| Net loans and leases to core deposits | 66.4150% | 4,283 |
| Total domestic deposits to total assets | 83.3445% | 3,565 |
| Equity capital to assets | 7.4103% | 5,446 |
| Core capital (leverage) ratio | 7.9152% | 5,411 |
| Tier 1 risk-based capital ratio | 13.8455% | 3,468 |
| Total risk-based capital ratio | 14.6652% | 3,620 |
| Memoranda: | ||
| Average total assets | $84,869,000 | 4,478 |
| Average earning assets | $73,092,000 | 4,572 |
| Average equity | $6,370,500 | 5,003 |
| Average total loans | $45,839,500 | 4,545 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 2,462 |
| Cost of funding earning assets | 0.4456% | 2,819 |
| Net interest margin | 3.8150% | 2,373 |
| Noninterest income to average assets | 0.4995% | 3,002 |
| Noninterest expense to average assets | 3.6760% | 820 |
| Loan and lease loss provision to assets | 0.2362% | 813 |
| Net operating income to assets | -0.3295% | 5,485 |
| Return on assets (ROA) | -0.2858% | 5,470 |
| Pretax return on assets | -0.0933% | 5,464 |
| Return on Equity (ROE) | -3.5627% | 5,505 |
| Retained earnings to average equity (ytd only) | -4.3724% | 5,411 |
| Net charge-offs to loans | 0.4017% | 623 |
| Credit loss provision to net charge-offs | 107.5269% | 2,412 |
| Earnings coverage of net charge-offs (x) | 0.4516% | 3,993 |
| Efficiency ratio | 97.3725% | 221 |
| Assets per employee ($millions) | 3.7451% | 4,370 |
| Cash dividends to net income (ytd only)* | -22.7273% | 5,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 4,836 |
| Loan loss allowance to noncurrent loans | 33.2425% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 2.0525% | 538 |
| Noncurrent loans to loans | 2.4031% | 578 |
| Net loans and leases to total assets | 52.7642% | 4,465 |
| Net loans and leases to deposits | 65.0578% | 4,256 |
| Net loans and leases to core deposits | 66.4775% | 4,389 |
| Total domestic deposits to total assets | 81.1036% | 4,096 |
| Equity capital to assets | 7.5994% | 5,523 |
| Core capital (leverage) ratio | 8.0046% | 5,439 |
| Tier 1 risk-based capital ratio | 15.0672% | 2,822 |
| Total risk-based capital ratio | 15.8722% | 2,954 |
| Memoranda: | ||
| Average total assets | $84,684,400 | 4,504 |
| Average earning assets | $72,712,800 | 4,606 |
| Average equity | $6,792,600 | 4,976 |
| Average total loans | $46,299,400 | 4,558 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 2,359 |
| Cost of funding earning assets | 0.4519% | 2,700 |
| Net interest margin | 3.8183% | 2,331 |
| Noninterest income to average assets | 0.4712% | 3,203 |
| Noninterest expense to average assets | 3.5957% | 876 |
| Loan and lease loss provision to assets | 0.1455% | 1,443 |
| Net operating income to assets | 0.0490% | 5,480 |
| Return on assets (ROA) | 0.1075% | 5,450 |
| Pretax return on assets | 0.0617% | 5,480 |
| Return on Equity (ROE) | 1.3227% | 5,392 |
| Retained earnings to average equity (ytd only) | 0.2528% | 5,161 |
| Net charge-offs to loans | 0.4940% | 415 |
| Credit loss provision to net charge-offs | 53.4884% | 2,873 |
| Earnings coverage of net charge-offs (x) | 0.5465% | 3,658 |
| Efficiency ratio | 96.0304% | 250 |
| Assets per employee ($millions) | 3.4001% | 4,861 |
| Cash dividends to net income (ytd only)* | 80.8846% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5844% | 5,355 |
| Loan loss allowance to noncurrent loans | 23.7347% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 2.1870% | 560 |
| Noncurrent loans to loans | 2.4623% | 630 |
| Net loans and leases to total assets | 54.4322% | 4,380 |
| Net loans and leases to deposits | 63.8854% | 4,385 |
| Net loans and leases to core deposits | 65.3757% | 4,524 |
| Total domestic deposits to total assets | 85.2029% | 2,634 |
| Equity capital to assets | 8.2032% | 5,437 |
| Core capital (leverage) ratio | 8.4131% | 5,312 |
| Tier 1 risk-based capital ratio | 14.9380% | 2,946 |
| Total risk-based capital ratio | 15.5057% | 3,225 |
| Memoranda: | ||
| Average total assets | $84,321,000 | 4,553 |
| Average earning assets | $72,282,500 | 4,662 |
| Average equity | $6,854,250 | 5,021 |
| Average total loans | $46,420,250 | 4,595 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 2,155 |
| Cost of funding earning assets | 0.4408% | 2,687 |
| Net interest margin | 3.8532% | 2,085 |
| Noninterest income to average assets | 0.4828% | 3,130 |
| Noninterest expense to average assets | 3.6388% | 832 |
| Loan and lease loss provision to assets | 0.1712% | 1,137 |
| Net operating income to assets | 0.0404% | 5,533 |
| Return on assets (ROA) | 0.1237% | 5,472 |
| Pretax return on assets | 0.0618% | 5,525 |
| Return on Equity (ROE) | 1.5261% | 5,406 |
| Retained earnings to average equity (ytd only) | -0.0880% | 5,088 |
| Net charge-offs to loans | 0.7460% | 262 |
| Credit loss provision to net charge-offs | 41.6185% | 2,634 |
| Earnings coverage of net charge-offs (x) | 0.3642% | 3,383 |
| Efficiency ratio | 96.0452% | 260 |
| Assets per employee ($millions) | 3.2314% | 5,058 |
| Cash dividends to net income (ytd only)* | 105.7692% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5386% | 5,472 |
| Loan loss allowance to noncurrent loans | 24.6320% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 2.0615% | 602 |
| Noncurrent loans to loans | 2.1864% | 740 |
| Net loans and leases to total assets | 55.1734% | 4,296 |
| Net loans and leases to deposits | 65.3476% | 4,271 |
| Net loans and leases to core deposits | 66.9000% | 4,421 |
| Total domestic deposits to total assets | 84.4305% | 3,039 |
| Equity capital to assets | 8.3412% | 5,390 |
| Core capital (leverage) ratio | 8.5109% | 5,210 |
| Tier 1 risk-based capital ratio | 14.7629% | 3,031 |
| Total risk-based capital ratio | 15.2817% | 3,326 |
| Memoranda: | ||
| Average total assets | $84,093,670 | 4,591 |
| Average earning assets | $72,147,000 | 4,694 |
| Average equity | $6,814,670 | 5,052 |
| Average total loans | $46,380,000 | 4,623 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 2,223 |
| Cost of funding earning assets | 0.4322% | 2,696 |
| Net interest margin | 3.7843% | 2,167 |
| Noninterest income to average assets | 0.4992% | 2,984 |
| Noninterest expense to average assets | 3.7085% | 771 |
| Loan and lease loss provision to assets | 0.1426% | 1,313 |
| Net operating income to assets | -0.0380% | 5,625 |
| Return on assets (ROA) | 0.0666% | 5,554 |
| Pretax return on assets | 0.0000% | 5,599 |
| Return on Equity (ROE) | 0.8336% | 5,524 |
| Retained earnings to average equity (ytd only) | 0.8336% | 4,714 |
| Net charge-offs to loans | -0.0173% | 4,666 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9848% | 239 |
| Assets per employee ($millions) | 3.0035% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8273% | 4,992 |
| Loan loss allowance to noncurrent loans | 28.2977% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 2.3246% | 522 |
| Noncurrent loans to loans | 2.9234% | 483 |
| Net loans and leases to total assets | 54.7379% | 4,280 |
| Net loans and leases to deposits | 64.1607% | 4,296 |
| Net loans and leases to core deposits | 65.6634% | 4,446 |
| Total domestic deposits to total assets | 85.3137% | 2,957 |
| Equity capital to assets | 8.0381% | 5,501 |
| Core capital (leverage) ratio | 8.6964% | 5,050 |
| Tier 1 risk-based capital ratio | 15.1241% | 2,911 |
| Total risk-based capital ratio | 15.9354% | 3,050 |
| Memoranda: | ||
| Average total assets | $84,132,000 | 4,636 |
| Average earning assets | $72,193,500 | 4,741 |
| Average equity | $6,718,000 | 5,118 |
| Average total loans | $46,267,000 | 4,668 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2688% | 2,250 |
| Cost of funding earning assets | 0.4337% | 2,667 |
| Net interest margin | 3.8351% | 2,188 |
| Noninterest income to average assets | 0.5969% | 2,682 |
| Noninterest expense to average assets | 3.6714% | 920 |
| Loan and lease loss provision to assets | 0.1444% | 1,732 |
| Net operating income to assets | 0.0874% | 5,577 |
| Return on assets (ROA) | 0.1432% | 5,540 |
| Pretax return on assets | 0.1092% | 5,587 |
| Return on Equity (ROE) | 1.6511% | 5,466 |
| Retained earnings to average equity (ytd only) | -0.6716% | 5,406 |
| Net charge-offs to loans | 0.1854% | 1,493 |
| Credit loss provision to net charge-offs | 141.6667% | 1,931 |
| Earnings coverage of net charge-offs (x) | 1.9405% | 3,918 |
| Efficiency ratio | 94.8887% | 348 |
| Assets per employee ($millions) | 3.0059% | 5,357 |
| Cash dividends to net income (ytd only)* | 140.6780% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7633% | 5,206 |
| Loan loss allowance to noncurrent loans | 29.6546% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 2.2551% | 566 |
| Noncurrent loans to loans | 2.5739% | 599 |
| Net loans and leases to total assets | 54.3741% | 4,409 |
| Net loans and leases to deposits | 64.8960% | 4,340 |
| Net loans and leases to core deposits | 66.3804% | 4,503 |
| Total domestic deposits to total assets | 83.7866% | 3,506 |
| Equity capital to assets | 7.9320% | 5,591 |
| Core capital (leverage) ratio | 8.7186% | 5,056 |
| Tier 1 risk-based capital ratio | 15.1902% | 2,888 |
| Total risk-based capital ratio | 15.9385% | 3,050 |
| Memoranda: | ||
| Average total assets | $82,420,200 | 4,684 |
| Average earning assets | $70,324,400 | 4,796 |
| Average equity | $7,146,800 | 5,068 |
| Average total loans | $45,304,200 | 4,702 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 2,204 |
| Cost of funding earning assets | 0.4345% | 2,690 |
| Net interest margin | 3.8519% | 2,151 |
| Noninterest income to average assets | 0.4521% | 3,547 |
| Noninterest expense to average assets | 3.5762% | 1,032 |
| Loan and lease loss provision to assets | 0.1691% | 1,344 |
| Net operating income to assets | 0.0455% | 5,682 |
| Return on assets (ROA) | 0.1187% | 5,656 |
| Pretax return on assets | 0.0667% | 5,702 |
| Return on Equity (ROE) | 1.3398% | 5,593 |
| Retained earnings to average equity (ytd only) | -0.1835% | 5,390 |
| Net charge-offs to loans | 0.2454% | 956 |
| Credit loss provision to net charge-offs | 125.3012% | 2,019 |
| Earnings coverage of net charge-offs (x) | 1.2049% | 3,720 |
| Efficiency ratio | 95.6503% | 326 |
| Assets per employee ($millions) | 3.3196% | 5,021 |
| Cash dividends to net income (ytd only)* | 113.6957% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7467% | 5,323 |
| Loan loss allowance to noncurrent loans | 26.9968% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 2.8341% | 435 |
| Noncurrent loans to loans | 2.7659% | 584 |
| Net loans and leases to total assets | 54.1366% | 4,484 |
| Net loans and leases to deposits | 64.1755% | 4,476 |
| Net loans and leases to core deposits | 65.6209% | 4,633 |
| Total domestic deposits to total assets | 84.3572% | 3,079 |
| Equity capital to assets | 8.7902% | 5,325 |
| Core capital (leverage) ratio | 8.8353% | 5,020 |
| Tier 1 risk-based capital ratio | 15.5813% | 2,798 |
| Total risk-based capital ratio | 16.3145% | 2,956 |
| Memoranda: | ||
| Average total assets | $81,984,000 | 4,733 |
| Average earning assets | $69,955,500 | 4,846 |
| Average equity | $7,264,500 | 5,100 |
| Average total loans | $45,101,250 | 4,747 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3041% | 2,146 |
| Cost of funding earning assets | 0.4307% | 2,731 |
| Net interest margin | 3.8734% | 2,071 |
| Noninterest income to average assets | 0.4336% | 3,643 |
| Noninterest expense to average assets | 3.5077% | 1,153 |
| Loan and lease loss provision to assets | 0.0710% | 2,716 |
| Net operating income to assets | 0.1617% | 5,592 |
| Return on assets (ROA) | 0.2474% | 5,502 |
| Pretax return on assets | 0.2450% | 5,562 |
| Return on Equity (ROE) | 2.7845% | 5,304 |
| Retained earnings to average equity (ytd only) | 0.4963% | 5,152 |
| Net charge-offs to loans | 0.0710% | 2,172 |
| Credit loss provision to net charge-offs | 181.2500% | 1,397 |
| Earnings coverage of net charge-offs (x) | 5.8750% | 2,803 |
| Efficiency ratio | 93.8401% | 424 |
| Assets per employee ($millions) | 3.5982% | 4,599 |
| Cash dividends to net income (ytd only)* | 82.1782% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 5,475 |
| Loan loss allowance to noncurrent loans | 25.8014% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 2.8142% | 446 |
| Noncurrent loans to loans | 2.8014% | 562 |
| Net loans and leases to total assets | 54.7693% | 4,433 |
| Net loans and leases to deposits | 65.0245% | 4,415 |
| Net loans and leases to core deposits | 65.9834% | 4,612 |
| Total domestic deposits to total assets | 84.2287% | 3,184 |
| Equity capital to assets | 8.8813% | 5,327 |
| Core capital (leverage) ratio | 8.9004% | 4,936 |
| Tier 1 risk-based capital ratio | 15.3825% | 2,910 |
| Total risk-based capital ratio | 16.0864% | 3,090 |
| Memoranda: | ||
| Average total assets | $81,648,670 | 4,778 |
| Average earning assets | $69,655,000 | 4,893 |
| Average equity | $7,254,330 | 5,147 |
| Average total loans | $45,046,330 | 4,795 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 1,953 |
| Cost of funding earning assets | 0.4273% | 2,792 |
| Net interest margin | 3.9269% | 1,857 |
| Noninterest income to average assets | 0.4883% | 3,207 |
| Noninterest expense to average assets | 3.4429% | 1,292 |
| Loan and lease loss provision to assets | 0.0691% | 2,572 |
| Net operating income to assets | 0.2720% | 5,376 |
| Return on assets (ROA) | 0.3650% | 5,173 |
| Pretax return on assets | 0.4439% | 5,219 |
| Return on Equity (ROE) | 4.1074% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.1074% | 3,435 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6021% | 700 |
| Assets per employee ($millions) | 3.8671% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 5,531 |
| Loan loss allowance to noncurrent loans | 22.6247% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 3.0268% | 411 |
| Noncurrent loans to loans | 3.2412% | 460 |
| Net loans and leases to total assets | 55.1749% | 4,337 |
| Net loans and leases to deposits | 64.7743% | 4,361 |
| Net loans and leases to core deposits | 65.7611% | 4,547 |
| Total domestic deposits to total assets | 85.1802% | 3,049 |
| Equity capital to assets | 8.9818% | 5,186 |
| Core capital (leverage) ratio | 8.9684% | 4,900 |
| Tier 1 risk-based capital ratio | 15.4497% | 2,950 |
| Total risk-based capital ratio | 16.1533% | 3,138 |
| Memoranda: | ||
| Average total assets | $81,094,000 | 4,835 |
| Average earning assets | $69,266,500 | 4,948 |
| Average equity | $7,206,500 | 5,188 |
| Average total loans | $44,741,500 | 4,843 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 2,552 |
| Cost of funding earning assets | 0.4461% | 2,668 |
| Net interest margin | 3.7556% | 2,534 |
| Noninterest income to average assets | 0.5208% | 3,195 |
| Noninterest expense to average assets | 3.5751% | 1,174 |
| Loan and lease loss provision to assets | 0.0642% | 3,008 |
| Net operating income to assets | 0.1217% | 5,724 |
| Return on assets (ROA) | 0.3665% | 5,241 |
| Pretax return on assets | 0.4023% | 5,316 |
| Return on Equity (ROE) | 4.1962% | 4,854 |
| Retained earnings to average equity (ytd only) | 1.6672% | 4,775 |
| Net charge-offs to loans | 0.3241% | 925 |
| Credit loss provision to net charge-offs | 37.6812% | 3,558 |
| Earnings coverage of net charge-offs (x) | 1.1594% | 4,132 |
| Efficiency ratio | 94.7661% | 451 |
| Assets per employee ($millions) | 3.5208% | 4,801 |
| Cash dividends to net income (ytd only)* | 60.2694% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 5,610 |
| Loan loss allowance to noncurrent loans | 23.8705% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 2.8699% | 472 |
| Noncurrent loans to loans | 2.9947% | 539 |
| Net loans and leases to total assets | 54.3697% | 4,468 |
| Net loans and leases to deposits | 65.1340% | 4,384 |
| Net loans and leases to core deposits | 66.1478% | 4,580 |
| Total domestic deposits to total assets | 83.4735% | 3,684 |
| Equity capital to assets | 8.7912% | 5,316 |
| Core capital (leverage) ratio | 8.9501% | 4,940 |
| Tier 1 risk-based capital ratio | 16.0845% | 2,651 |
| Total risk-based capital ratio | 16.7934% | 2,844 |
| Memoranda: | ||
| Average total assets | $81,032,600 | 4,847 |
| Average earning assets | $70,161,400 | 4,935 |
| Average equity | $7,077,800 | 5,229 |
| Average total loans | $42,579,200 | 4,915 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 2,781 |
| Cost of funding earning assets | 0.4569% | 2,620 |
| Net interest margin | 3.6821% | 2,840 |
| Noninterest income to average assets | 0.4689% | 3,572 |
| Noninterest expense to average assets | 3.6505% | 1,044 |
| Loan and lease loss provision to assets | 0.0790% | 2,594 |
| Net operating income to assets | -0.0658% | 5,979 |
| Return on assets (ROA) | 0.1431% | 5,832 |
| Pretax return on assets | 0.1431% | 5,851 |
| Return on Equity (ROE) | 1.6413% | 5,746 |
| Retained earnings to average equity (ytd only) | -0.1886% | 5,634 |
| Net charge-offs to loans | 0.4588% | 549 |
| Credit loss provision to net charge-offs | 33.1034% | 3,244 |
| Earnings coverage of net charge-offs (x) | 0.0552% | 3,987 |
| Efficiency ratio | 99.6408% | 305 |
| Assets per employee ($millions) | 3.3955% | 4,993 |
| Cash dividends to net income (ytd only)* | 111.4914% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6993% | 5,729 |
| Loan loss allowance to noncurrent loans | 38.0421% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 1.9376% | 1,073 |
| Noncurrent loans to loans | 1.8381% | 1,279 |
| Net loans and leases to total assets | 53.4973% | 4,617 |
| Net loans and leases to deposits | 64.0073% | 4,559 |
| Net loans and leases to core deposits | 64.9930% | 4,761 |
| Total domestic deposits to total assets | 83.5800% | 3,577 |
| Equity capital to assets | 8.6610% | 5,600 |
| Core capital (leverage) ratio | 8.7522% | 5,298 |
| Tier 1 risk-based capital ratio | 16.1502% | 2,733 |
| Total risk-based capital ratio | 16.8518% | 2,924 |
| Memoranda: | ||
| Average total assets | $81,046,000 | 4,904 |
| Average earning assets | $70,320,750 | 4,986 |
| Average equity | $7,067,500 | 5,299 |
| Average total loans | $42,137,750 | 4,989 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,114 |
| Cost of funding earning assets | 0.4673% | 2,540 |
| Net interest margin | 3.5760% | 3,183 |
| Noninterest income to average assets | 0.4574% | 3,649 |
| Noninterest expense to average assets | 3.7158% | 967 |
| Loan and lease loss provision to assets | 0.1063% | 2,058 |
| Net operating income to assets | -0.2621% | 6,128 |
| Return on assets (ROA) | 0.0124% | 6,014 |
| Pretax return on assets | 0.0124% | 6,007 |
| Return on Equity (ROE) | 0.1414% | 6,008 |
| Retained earnings to average equity (ytd only) | -2.6023% | 5,875 |
| Net charge-offs to loans | 0.6787% | 335 |
| Credit loss provision to net charge-offs | 30.4965% | 2,923 |
| Earnings coverage of net charge-offs (x) | -0.4468% | 3,744 |
| Efficiency ratio | 104.3750% | 244 |
| Assets per employee ($millions) | 3.4978% | 4,791 |
| Cash dividends to net income (ytd only)* | 1,940.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 5,755 |
| Loan loss allowance to noncurrent loans | 34.3049% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 2.0534% | 1,057 |
| Noncurrent loans to loans | 2.1157% | 1,141 |
| Net loans and leases to total assets | 52.0261% | 4,753 |
| Net loans and leases to deposits | 62.3269% | 4,678 |
| Net loans and leases to core deposits | 63.8549% | 4,814 |
| Total domestic deposits to total assets | 83.4730% | 3,769 |
| Equity capital to assets | 8.6302% | 5,579 |
| Core capital (leverage) ratio | 8.6594% | 5,360 |
| Tier 1 risk-based capital ratio | 16.1311% | 2,791 |
| Total risk-based capital ratio | 16.8462% | 2,998 |
| Memoranda: | ||
| Average total assets | $80,897,330 | 4,955 |
| Average earning assets | $70,189,330 | 5,034 |
| Average equity | $7,070,670 | 5,341 |
| Average total loans | $41,549,330 | 5,047 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1076% | 2,796 |
| Cost of funding earning assets | 0.4879% | 2,400 |
| Net interest margin | 3.6197% | 2,928 |
| Noninterest income to average assets | 0.4633% | 3,549 |
| Noninterest expense to average assets | 3.6718% | 1,036 |
| Loan and lease loss provision to assets | 0.0591% | 2,747 |
| Net operating income to assets | -0.1232% | 6,114 |
| Return on assets (ROA) | 0.4239% | 5,099 |
| Pretax return on assets | 0.4239% | 5,379 |
| Return on Equity (ROE) | 4.7964% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.7964% | 3,175 |
| Net charge-offs to loans | 0.3007% | 785 |
| Credit loss provision to net charge-offs | 38.7097% | 2,196 |
| Earnings coverage of net charge-offs (x) | -0.4194% | 3,142 |
| Efficiency ratio | 101.7760% | 322 |
| Assets per employee ($millions) | 3.5013% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 5,284 |
| Loan loss allowance to noncurrent loans | 33.6833% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 2.3792% | 919 |
| Noncurrent loans to loans | 2.7960% | 825 |
| Net loans and leases to total assets | 50.2850% | 4,816 |
| Net loans and leases to deposits | 59.8870% | 4,753 |
| Net loans and leases to core deposits | 61.8263% | 4,850 |
| Total domestic deposits to total assets | 83.9664% | 3,833 |
| Equity capital to assets | 8.9903% | 5,303 |
| Core capital (leverage) ratio | 8.8692% | 5,113 |
| Tier 1 risk-based capital ratio | 17.0487% | 2,463 |
| Total risk-based capital ratio | 17.9708% | 2,537 |
| Memoranda: | ||
| Average total assets | $81,158,500 | 5,004 |
| Average earning assets | $70,503,000 | 5,077 |
| Average equity | $7,172,000 | 5,368 |
| Average total loans | $41,243,500 | 5,093 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 2,476 |
| Cost of funding earning assets | 0.6096% | 1,682 |
| Net interest margin | 3.7260% | 2,897 |
| Noninterest income to average assets | 0.4590% | 3,784 |
| Noninterest expense to average assets | 3.3857% | 1,728 |
| Loan and lease loss provision to assets | 0.1451% | 1,822 |
| Net operating income to assets | 0.1673% | 5,835 |
| Return on assets (ROA) | 0.4983% | 4,910 |
| Pretax return on assets | 0.5078% | 5,230 |
| Return on Equity (ROE) | 6.2336% | 4,030 |
| Retained earnings to average equity (ytd only) | 3.5706% | 3,684 |
| Net charge-offs to loans | 0.1818% | 2,212 |
| Credit loss provision to net charge-offs | 158.4416% | 1,525 |
| Earnings coverage of net charge-offs (x) | 3.4416% | 3,889 |
| Efficiency ratio | 91.4846% | 739 |
| Assets per employee ($millions) | 3.7168% | 4,495 |
| Cash dividends to net income (ytd only)* | 42.7208% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 5,196 |
| Loan loss allowance to noncurrent loans | 33.4714% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 2.2992% | 1,041 |
| Noncurrent loans to loans | 2.9010% | 788 |
| Net loans and leases to total assets | 50.3895% | 4,931 |
| Net loans and leases to deposits | 59.7968% | 4,921 |
| Net loans and leases to core deposits | 61.6913% | 5,022 |
| Total domestic deposits to total assets | 84.2679% | 3,603 |
| Equity capital to assets | 8.7282% | 5,559 |
| Core capital (leverage) ratio | 8.5888% | 5,460 |
| Tier 1 risk-based capital ratio | 16.6534% | 2,654 |
| Total risk-based capital ratio | 17.6007% | 2,732 |
| Memoranda: | ||
| Average total assets | $84,089,000 | 4,957 |
| Average earning assets | $73,161,200 | 5,065 |
| Average equity | $6,721,600 | 5,475 |
| Average total loans | $42,343,800 | 5,091 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3203% | 2,542 |
| Cost of funding earning assets | 0.6306% | 1,595 |
| Net interest margin | 3.6897% | 3,069 |
| Noninterest income to average assets | 0.4598% | 3,826 |
| Noninterest expense to average assets | 3.4801% | 1,503 |
| Loan and lease loss provision to assets | 0.0803% | 2,742 |
| Net operating income to assets | 0.1114% | 6,013 |
| Return on assets (ROA) | 0.3244% | 5,583 |
| Pretax return on assets | 0.3323% | 5,711 |
| Return on Equity (ROE) | 4.1504% | 5,111 |
| Retained earnings to average equity (ytd only) | 2.4782% | 4,810 |
| Net charge-offs to loans | 0.2320% | 1,656 |
| Credit loss provision to net charge-offs | 68.9189% | 2,789 |
| Earnings coverage of net charge-offs (x) | 1.6758% | 4,104 |
| Efficiency ratio | 94.6872% | 559 |
| Assets per employee ($millions) | 3.7911% | 4,310 |
| Cash dividends to net income (ytd only)* | 40.2898% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7844% | 5,910 |
| Loan loss allowance to noncurrent loans | 23.5459% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 2.5179% | 1,040 |
| Noncurrent loans to loans | 3.3315% | 744 |
| Net loans and leases to total assets | 50.9544% | 4,898 |
| Net loans and leases to deposits | 61.1984% | 4,826 |
| Net loans and leases to core deposits | 63.1152% | 4,957 |
| Total domestic deposits to total assets | 83.2610% | 4,046 |
| Equity capital to assets | 8.2610% | 5,973 |
| Core capital (leverage) ratio | 8.2992% | 5,839 |
| Tier 1 risk-based capital ratio | 15.8118% | 3,151 |
| Total risk-based capital ratio | 16.5723% | 3,351 |
| Memoranda: | ||
| Average total assets | $84,669,000 | 5,005 |
| Average earning assets | $73,788,500 | 5,108 |
| Average equity | $6,617,750 | 5,552 |
| Average total loans | $42,528,000 | 5,141 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 2,444 |
| Cost of funding earning assets | 0.6422% | 1,571 |
| Net interest margin | 3.6938% | 2,986 |
| Noninterest income to average assets | 0.4701% | 3,713 |
| Noninterest expense to average assets | 3.3259% | 1,850 |
| Loan and lease loss provision to assets | 0.0564% | 3,170 |
| Net operating income to assets | 0.2961% | 5,577 |
| Return on assets (ROA) | 0.3714% | 5,390 |
| Pretax return on assets | 0.3831% | 5,606 |
| Return on Equity (ROE) | 4.8414% | 4,750 |
| Retained earnings to average equity (ytd only) | 2.2981% | 4,736 |
| Net charge-offs to loans | 0.0896% | 2,788 |
| Credit loss provision to net charge-offs | 126.3158% | 1,645 |
| Earnings coverage of net charge-offs (x) | 8.1053% | 2,536 |
| Efficiency ratio | 90.1848% | 905 |
| Assets per employee ($millions) | 3.6849% | 4,478 |
| Cash dividends to net income (ytd only)* | 52.5316% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 5,847 |
| Loan loss allowance to noncurrent loans | 33.4559% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 2.1038% | 1,486 |
| Noncurrent loans to loans | 2.5694% | 1,200 |
| Net loans and leases to total assets | 49.5339% | 5,010 |
| Net loans and leases to deposits | 60.3011% | 4,840 |
| Net loans and leases to core deposits | 62.4271% | 4,935 |
| Total domestic deposits to total assets | 82.1444% | 4,596 |
| Equity capital to assets | 8.0718% | 6,116 |
| Core capital (leverage) ratio | 8.1808% | 5,950 |
| Tier 1 risk-based capital ratio | 15.6911% | 3,251 |
| Total risk-based capital ratio | 16.5201% | 3,433 |
| Memoranda: | ||
| Average total assets | $85,090,670 | 5,039 |
| Average earning assets | $74,123,330 | 5,134 |
| Average equity | $6,527,000 | 5,597 |
| Average total loans | $42,426,000 | 5,184 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 2,442 |
| Cost of funding earning assets | 0.6573% | 1,539 |
| Net interest margin | 3.6634% | 3,009 |
| Noninterest income to average assets | 0.4598% | 3,713 |
| Noninterest expense to average assets | 3.1199% | 2,470 |
| Loan and lease loss provision to assets | 0.0563% | 2,988 |
| Net operating income to assets | 0.4543% | 4,916 |
| Return on assets (ROA) | 0.5489% | 4,532 |
| Pretax return on assets | 0.5724% | 4,929 |
| Return on Equity (ROE) | 7.3469% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.3469% | 1,884 |
| Net charge-offs to loans | 0.0565% | 2,595 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 18.8333% | 1,404 |
| Efficiency ratio | 85.4756% | 1,501 |
| Assets per employee ($millions) | 3.6718% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 5,967 |
| Loan loss allowance to noncurrent loans | 34.4015% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 2.1503% | 1,558 |
| Noncurrent loans to loans | 2.5126% | 1,376 |
| Net loans and leases to total assets | 49.5690% | 4,951 |
| Net loans and leases to deposits | 60.0000% | 4,760 |
| Net loans and leases to core deposits | 62.1015% | 4,867 |
| Total domestic deposits to total assets | 82.6150% | 4,746 |
| Equity capital to assets | 7.7736% | 6,196 |
| Core capital (leverage) ratio | 8.2427% | 5,896 |
| Tier 1 risk-based capital ratio | 15.7435% | 3,307 |
| Total risk-based capital ratio | 16.5670% | 3,494 |
| Memoranda: | ||
| Average total assets | $85,260,000 | 5,081 |
| Average earning assets | $74,248,500 | 5,171 |
| Average equity | $6,370,000 | 5,670 |
| Average total loans | $42,466,500 | 5,220 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3531% | 2,764 |
| Cost of funding earning assets | 0.7337% | 1,607 |
| Net interest margin | 3.6194% | 3,376 |
| Noninterest income to average assets | 0.6984% | 2,553 |
| Noninterest expense to average assets | 3.6005% | 1,449 |
| Loan and lease loss provision to assets | 0.0321% | 4,477 |
| Net operating income to assets | 0.3320% | 5,403 |
| Return on assets (ROA) | 0.4652% | 5,021 |
| Pretax return on assets | 0.3689% | 5,563 |
| Return on Equity (ROE) | 5.9156% | 4,134 |
| Retained earnings to average equity (ytd only) | 3.6160% | 3,653 |
| Net charge-offs to loans | 0.1022% | 3,809 |
| Credit loss provision to net charge-offs | 67.5000% | 3,371 |
| Earnings coverage of net charge-offs (x) | 5.6250% | 3,257 |
| Efficiency ratio | 93.0791% | 800 |
| Assets per employee ($millions) | 4.3034% | 3,267 |
| Cash dividends to net income (ytd only)* | 38.8747% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8383% | 6,087 |
| Loan loss allowance to noncurrent loans | 44.1975% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 1.8114% | 2,031 |
| Noncurrent loans to loans | 1.8967% | 2,121 |
| Net loans and leases to total assets | 49.2030% | 5,176 |
| Net loans and leases to deposits | 62.8644% | 4,629 |
| Net loans and leases to core deposits | 65.1438% | 4,765 |
| Total domestic deposits to total assets | 78.2683% | 5,785 |
| Equity capital to assets | 7.1746% | 6,406 |
| Core capital (leverage) ratio | 7.7174% | 6,295 |
| Tier 1 risk-based capital ratio | 14.9194% | 3,720 |
| Total risk-based capital ratio | 15.7142% | 3,916 |
| Memoranda: | ||
| Average total assets | $84,044,400 | 5,140 |
| Average earning assets | $73,602,400 | 5,204 |
| Average equity | $6,609,600 | 5,670 |
| Average total loans | $39,134,000 | 5,385 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3486% | 2,794 |
| Cost of funding earning assets | 0.7451% | 1,638 |
| Net interest margin | 3.6035% | 3,429 |
| Noninterest income to average assets | 0.5043% | 3,775 |
| Noninterest expense to average assets | 3.5767% | 1,441 |
| Loan and lease loss provision to assets | 0.0431% | 4,149 |
| Net operating income to assets | 0.0415% | 6,230 |
| Return on assets (ROA) | 0.2043% | 5,989 |
| Pretax return on assets | 0.2043% | 6,036 |
| Return on Equity (ROE) | 2.5402% | 5,769 |
| Retained earnings to average equity (ytd only) | 1.1708% | 5,512 |
| Net charge-offs to loans | 0.1255% | 3,271 |
| Credit loss provision to net charge-offs | 75.0000% | 2,964 |
| Earnings coverage of net charge-offs (x) | 1.4721% | 4,347 |
| Efficiency ratio | 97.6896% | 538 |
| Assets per employee ($millions) | 4.3490% | 3,147 |
| Cash dividends to net income (ytd only)* | 53.9084% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 6,143 |
| Loan loss allowance to noncurrent loans | 50.1381% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 1.3394% | 2,963 |
| Noncurrent loans to loans | 1.7262% | 2,606 |
| Net loans and leases to total assets | 47.8029% | 5,368 |
| Net loans and leases to deposits | 59.3969% | 5,047 |
| Net loans and leases to core deposits | 61.4574% | 5,171 |
| Total domestic deposits to total assets | 80.4806% | 5,367 |
| Equity capital to assets | 6.9821% | 6,560 |
| Core capital (leverage) ratio | 7.7722% | 6,341 |
| Tier 1 risk-based capital ratio | 15.0310% | 3,733 |
| Total risk-based capital ratio | 15.8526% | 3,964 |
| Memoranda: | ||
| Average total assets | $83,538,500 | 5,203 |
| Average earning assets | $73,187,000 | 5,266 |
| Average equity | $6,718,250 | 5,710 |
| Average total loans | $38,241,000 | 5,473 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2954% | 2,975 |
| Cost of funding earning assets | 0.7588% | 1,653 |
| Net interest margin | 3.5366% | 3,625 |
| Noninterest income to average assets | 0.5049% | 3,797 |
| Noninterest expense to average assets | 3.6096% | 1,400 |
| Loan and lease loss provision to assets | 0.0291% | 4,345 |
| Net operating income to assets | -0.0340% | 6,339 |
| Return on assets (ROA) | 0.0898% | 6,234 |
| Pretax return on assets | 0.0898% | 6,241 |
| Return on Equity (ROE) | 1.0673% | 6,196 |
| Retained earnings to average equity (ytd only) | -0.9231% | 6,037 |
| Net charge-offs to loans | 0.1621% | 2,813 |
| Credit loss provision to net charge-offs | 40.0000% | 3,416 |
| Earnings coverage of net charge-offs (x) | -0.0667% | 4,571 |
| Efficiency ratio | 100.1347% | 480 |
| Assets per employee ($millions) | 3.8553% | 4,097 |
| Cash dividends to net income (ytd only)* | 186.4865% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 6,120 |
| Loan loss allowance to noncurrent loans | 41.5493% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 1.4761% | 2,892 |
| Noncurrent loans to loans | 2.1781% | 2,204 |
| Net loans and leases to total assets | 45.7013% | 5,565 |
| Net loans and leases to deposits | 56.1670% | 5,321 |
| Net loans and leases to core deposits | 58.1349% | 5,410 |
| Total domestic deposits to total assets | 81.3667% | 5,241 |
| Equity capital to assets | 7.5340% | 6,428 |
| Core capital (leverage) ratio | 8.0548% | 6,143 |
| Tier 1 risk-based capital ratio | 15.4208% | 3,523 |
| Total risk-based capital ratio | 16.2496% | 3,742 |
| Memoranda: | ||
| Average total assets | $82,391,330 | 5,266 |
| Average earning assets | $72,216,000 | 5,327 |
| Average equity | $6,933,330 | 5,705 |
| Average total loans | $37,007,330 | 5,543 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 2,741 |
| Cost of funding earning assets | 0.7751% | 1,678 |
| Net interest margin | 3.5611% | 3,425 |
| Noninterest income to average assets | 0.4977% | 3,783 |
| Noninterest expense to average assets | 3.4837% | 1,653 |
| Loan and lease loss provision to assets | -0.0148% | 6,742 |
| Net operating income to assets | 0.1527% | 6,033 |
| Return on assets (ROA) | 0.4040% | 5,258 |
| Pretax return on assets | 0.4040% | 5,549 |
| Return on Equity (ROE) | 4.5524% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.5524% | 3,501 |
| Net charge-offs to loans | -0.0111% | 5,484 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1905% | 724 |
| Assets per employee ($millions) | 3.7264% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 5,939 |
| Loan loss allowance to noncurrent loans | 39.3199% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4821% | 3,039 |
| Noncurrent loans to loans | 2.5782% | 2,003 |
| Net loans and leases to total assets | 44.0705% | 5,659 |
| Net loans and leases to deposits | 52.0733% | 5,610 |
| Net loans and leases to core deposits | 53.8797% | 5,672 |
| Total domestic deposits to total assets | 84.6316% | 4,211 |
| Equity capital to assets | 8.7314% | 5,784 |
| Core capital (leverage) ratio | 8.4767% | 5,627 |
| Tier 1 risk-based capital ratio | 16.4753% | 3,017 |
| Total risk-based capital ratio | 17.3850% | 3,148 |
| Memoranda: | ||
| Average total assets | $81,179,000 | 5,335 |
| Average earning assets | $71,214,500 | 5,406 |
| Average equity | $7,205,000 | 5,689 |
| Average total loans | $35,953,000 | 5,622 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8715% | 1,941 |
| Cost of funding earning assets | 0.8784% | 2,078 |
| Net interest margin | 3.9931% | 2,414 |
| Noninterest income to average assets | 0.7347% | 2,564 |
| Noninterest expense to average assets | 4.0038% | 971 |
| Loan and lease loss provision to assets | 0.0435% | 5,307 |
| Net operating income to assets | 0.1613% | 5,861 |
| Return on assets (ROA) | 0.5133% | 4,895 |
| Pretax return on assets | 0.5133% | 5,240 |
| Return on Equity (ROE) | 5.5217% | 4,417 |
| Retained earnings to average equity (ytd only) | 3.0569% | 4,084 |
| Net charge-offs to loans | 0.0230% | 5,579 |
| Credit loss provision to net charge-offs | 425.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,369 |
| Efficiency ratio | 95.1338% | 742 |
| Assets per employee ($millions) | 3.8275% | 4,315 |
| Cash dividends to net income (ytd only)* | 44.6384% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 5,759 |
| Loan loss allowance to noncurrent loans | 39.3651% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 1.5166% | 3,106 |
| Noncurrent loans to loans | 2.6690% | 1,984 |
| Net loans and leases to total assets | 43.5878% | 5,851 |
| Net loans and leases to deposits | 52.9542% | 5,742 |
| Net loans and leases to core deposits | 54.8751% | 5,807 |
| Total domestic deposits to total assets | 82.3123% | 4,991 |
| Equity capital to assets | 9.0224% | 5,501 |
| Core capital (leverage) ratio | 8.2842% | 5,903 |
| Tier 1 risk-based capital ratio | 16.2929% | 2,999 |
| Total risk-based capital ratio | 17.2062% | 3,147 |
| Memoranda: | ||
| Average total assets | $78,126,000 | 5,405 |
| Average earning assets | $67,966,400 | 5,494 |
| Average equity | $7,262,200 | 5,692 |
| Average total loans | $34,825,000 | 5,724 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8512% | 2,192 |
| Cost of funding earning assets | 0.8910% | 2,234 |
| Net interest margin | 3.9602% | 2,664 |
| Noninterest income to average assets | 0.7718% | 2,366 |
| Noninterest expense to average assets | 4.0070% | 925 |
| Loan and lease loss provision to assets | 0.0464% | 5,195 |
| Net operating income to assets | 0.1564% | 6,020 |
| Return on assets (ROA) | 0.3472% | 5,649 |
| Pretax return on assets | 0.3472% | 5,852 |
| Return on Equity (ROE) | 3.7074% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.1840% | 5,238 |
| Net charge-offs to loans | 0.0231% | 5,344 |
| Credit loss provision to net charge-offs | 450.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 19.6663% | 1,483 |
| Efficiency ratio | 95.1817% | 706 |
| Assets per employee ($millions) | 3.3466% | 5,328 |
| Cash dividends to net income (ytd only)* | 41.0871% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 5,889 |
| Loan loss allowance to noncurrent loans | 59.8039% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.1019% | 4,094 |
| Noncurrent loans to loans | 1.7574% | 3,144 |
| Net loans and leases to total assets | 42.9020% | 6,045 |
| Net loans and leases to deposits | 51.9063% | 5,983 |
| Net loans and leases to core deposits | 53.7742% | 6,062 |
| Total domestic deposits to total assets | 82.6527% | 4,777 |
| Equity capital to assets | 9.2159% | 5,575 |
| Core capital (leverage) ratio | 8.4294% | 5,859 |
| Tier 1 risk-based capital ratio | 16.3137% | 3,104 |
| Total risk-based capital ratio | 17.2300% | 3,244 |
| Memoranda: | ||
| Average total assets | $77,563,000 | 5,473 |
| Average earning assets | $67,335,750 | 5,570 |
| Average equity | $7,264,750 | 5,755 |
| Average total loans | $34,679,500 | 5,807 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 2,110 |
| Cost of funding earning assets | 0.8977% | 2,419 |
| Net interest margin | 4.0021% | 2,495 |
| Noninterest income to average assets | 0.8559% | 1,947 |
| Noninterest expense to average assets | 4.1699% | 761 |
| Loan and lease loss provision to assets | 0.0626% | 4,866 |
| Net operating income to assets | 0.1018% | 6,151 |
| Return on assets (ROA) | 0.3966% | 5,463 |
| Pretax return on assets | 0.3966% | 5,719 |
| Return on Equity (ROE) | 4.2111% | 5,174 |
| Retained earnings to average equity (ytd only) | 1.9116% | 5,244 |
| Net charge-offs to loans | 0.0462% | 4,746 |
| Credit loss provision to net charge-offs | 300.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 7.8750% | 2,405 |
| Efficiency ratio | 96.2071% | 694 |
| Assets per employee ($millions) | 3.0020% | 6,068 |
| Cash dividends to net income (ytd only)* | 54.6053% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 5,995 |
| Loan loss allowance to noncurrent loans | 63.7324% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.0775% | 4,228 |
| Noncurrent loans to loans | 1.6354% | 3,457 |
| Net loans and leases to total assets | 44.0340% | 6,010 |
| Net loans and leases to deposits | 53.8792% | 5,882 |
| Net loans and leases to core deposits | 56.1475% | 5,932 |
| Total domestic deposits to total assets | 81.7273% | 5,227 |
| Equity capital to assets | 9.2709% | 5,358 |
| Core capital (leverage) ratio | 8.4661% | 5,691 |
| Tier 1 risk-based capital ratio | 16.3693% | 2,973 |
| Total risk-based capital ratio | 17.2855% | 3,116 |
| Memoranda: | ||
| Average total assets | $76,644,670 | 5,528 |
| Average earning assets | $66,615,330 | 5,626 |
| Average equity | $7,219,000 | 5,782 |
| Average total loans | $34,631,330 | 5,845 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9370% | 2,105 |
| Cost of funding earning assets | 0.8833% | 2,812 |
| Net interest margin | 4.0536% | 2,281 |
| Noninterest income to average assets | 0.9060% | 1,721 |
| Noninterest expense to average assets | 4.1453% | 789 |
| Loan and lease loss provision to assets | 0.0632% | 4,632 |
| Net operating income to assets | 0.2265% | 5,900 |
| Return on assets (ROA) | 0.2318% | 6,030 |
| Pretax return on assets | 0.2318% | 6,128 |
| Return on Equity (ROE) | 2.4409% | 5,925 |
| Retained earnings to average equity (ytd only) | 2.4409% | 5,039 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4679% | 851 |
| Assets per employee ($millions) | 3.3723% | 5,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 6,128 |
| Loan loss allowance to noncurrent loans | 63.3628% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.1500% | 4,210 |
| Noncurrent loans to loans | 1.6373% | 3,648 |
| Net loans and leases to total assets | 44.0293% | 6,007 |
| Net loans and leases to deposits | 53.3344% | 5,880 |
| Net loans and leases to core deposits | 55.0327% | 5,982 |
| Total domestic deposits to total assets | 82.5533% | 5,101 |
| Equity capital to assets | 9.3177% | 5,070 |
| Core capital (leverage) ratio | 8.7945% | 5,138 |
| Tier 1 risk-based capital ratio | 16.3840% | 2,971 |
| Total risk-based capital ratio | 17.2943% | 3,120 |
| Memoranda: | ||
| Average total assets | $75,941,500 | 5,597 |
| Average earning assets | $66,113,500 | 5,683 |
| Average equity | $7,210,500 | 5,806 |
| Average total loans | $34,581,500 | 5,892 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3322% | 1,616 |
| Cost of funding earning assets | 1.0869% | 2,753 |
| Net interest margin | 4.2453% | 1,905 |
| Noninterest income to average assets | 0.6870% | 2,679 |
| Noninterest expense to average assets | 3.9143% | 1,160 |
| Loan and lease loss provision to assets | 0.0226% | 6,295 |
| Net operating income to assets | 0.4381% | 4,696 |
| Return on assets (ROA) | 0.6005% | 4,188 |
| Pretax return on assets | 0.6271% | 4,604 |
| Return on Equity (ROE) | 6.7253% | 3,526 |
| Retained earnings to average equity (ytd only) | 4.2499% | 3,164 |
| Net charge-offs to loans | 0.1253% | 5,137 |
| Credit loss provision to net charge-offs | 38.6364% | 5,653 |
| Earnings coverage of net charge-offs (x) | 8.2045% | 2,189 |
| Efficiency ratio | 89.0639% | 1,266 |
| Assets per employee ($millions) | 3.3782% | 5,303 |
| Cash dividends to net income (ytd only)* | 36.8071% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 6,227 |
| Loan loss allowance to noncurrent loans | 60.3839% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 1.4706% | 3,757 |
| Noncurrent loans to loans | 1.6534% | 3,683 |
| Net loans and leases to total assets | 46.1633% | 6,000 |
| Net loans and leases to deposits | 57.3691% | 5,767 |
| Net loans and leases to core deposits | 59.3068% | 5,905 |
| Total domestic deposits to total assets | 80.4672% | 5,605 |
| Equity capital to assets | 9.6796% | 4,631 |
| Core capital (leverage) ratio | 8.6051% | 5,389 |
| Tier 1 risk-based capital ratio | 16.3775% | 2,874 |
| Total risk-based capital ratio | 17.2630% | 3,000 |
| Memoranda: | ||
| Average total assets | $75,109,800 | 5,600 |
| Average earning assets | $65,601,400 | 5,677 |
| Average equity | $6,706,000 | 5,953 |
| Average total loans | $35,117,200 | 5,909 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3290% | 1,760 |
| Cost of funding earning assets | 1.1188% | 2,840 |
| Net interest margin | 4.2102% | 2,056 |
| Noninterest income to average assets | 0.5595% | 3,452 |
| Noninterest expense to average assets | 3.7375% | 1,420 |
| Loan and lease loss provision to assets | 0.0177% | 6,217 |
| Net operating income to assets | 0.4839% | 4,606 |
| Return on assets (ROA) | 0.5400% | 4,548 |
| Pretax return on assets | 0.5453% | 4,991 |
| Return on Equity (ROE) | 6.1765% | 3,937 |
| Retained earnings to average equity (ytd only) | 4.4956% | 3,524 |
| Net charge-offs to loans | 0.1173% | 4,851 |
| Credit loss provision to net charge-offs | 32.2581% | 5,379 |
| Earnings coverage of net charge-offs (x) | 9.2262% | 2,079 |
| Efficiency ratio | 88.0684% | 1,336 |
| Assets per employee ($millions) | 3.6086% | 4,742 |
| Cash dividends to net income (ytd only)* | 27.2119% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 6,227 |
| Loan loss allowance to noncurrent loans | 51.6129% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 1.5783% | 3,725 |
| Noncurrent loans to loans | 1.9517% | 3,426 |
| Net loans and leases to total assets | 45.6479% | 6,175 |
| Net loans and leases to deposits | 56.4749% | 5,986 |
| Net loans and leases to core deposits | 58.3359% | 6,102 |
| Total domestic deposits to total assets | 80.8287% | 5,490 |
| Equity capital to assets | 9.4154% | 5,221 |
| Core capital (leverage) ratio | 8.5975% | 5,555 |
| Tier 1 risk-based capital ratio | 16.3038% | 2,968 |
| Total risk-based capital ratio | 17.2096% | 3,096 |
| Memoranda: | ||
| Average total assets | $75,307,000 | 5,634 |
| Average earning assets | $65,901,500 | 5,716 |
| Average equity | $6,584,000 | 6,032 |
| Average total loans | $35,232,750 | 5,960 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3675% | 1,657 |
| Cost of funding earning assets | 1.1952% | 2,613 |
| Net interest margin | 4.1724% | 2,153 |
| Noninterest income to average assets | 0.5270% | 3,652 |
| Noninterest expense to average assets | 3.5476% | 1,862 |
| Loan and lease loss provision to assets | -0.0293% | 7,387 |
| Net operating income to assets | 0.6526% | 3,787 |
| Return on assets (ROA) | 0.7053% | 3,626 |
| Pretax return on assets | 0.7132% | 4,340 |
| Return on Equity (ROE) | 8.2808% | 2,815 |
| Retained earnings to average equity (ytd only) | 5.6872% | 2,602 |
| Net charge-offs to loans | 0.1755% | 4,117 |
| Credit loss provision to net charge-offs | -35.4839% | 6,225 |
| Earnings coverage of net charge-offs (x) | 7.6452% | 2,192 |
| Efficiency ratio | 84.9045% | 1,714 |
| Assets per employee ($millions) | 3.5653% | 4,773 |
| Cash dividends to net income (ytd only)* | 31.3208% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 6,527 |
| Loan loss allowance to noncurrent loans | 51.7997% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 1.5400% | 3,894 |
| Noncurrent loans to loans | 1.8240% | 3,721 |
| Net loans and leases to total assets | 46.3477% | 6,229 |
| Net loans and leases to deposits | 57.4558% | 5,999 |
| Net loans and leases to core deposits | 60.0322% | 6,087 |
| Total domestic deposits to total assets | 80.6667% | 5,632 |
| Equity capital to assets | 8.9367% | 5,668 |
| Core capital (leverage) ratio | 8.4385% | 5,648 |
| Tier 1 risk-based capital ratio | 16.1654% | 2,896 |
| Total risk-based capital ratio | 17.0148% | 3,078 |
| Memoranda: | ||
| Average total assets | $75,149,330 | 5,683 |
| Average earning assets | $65,765,670 | 5,764 |
| Average equity | $6,400,330 | 6,115 |
| Average total loans | $35,329,000 | 6,006 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2717% | 1,972 |
| Cost of funding earning assets | 1.2390% | 2,576 |
| Net interest margin | 4.0328% | 2,553 |
| Noninterest income to average assets | 0.3878% | 4,810 |
| Noninterest expense to average assets | 3.4799% | 2,059 |
| Loan and lease loss provision to assets | -0.1700% | 7,502 |
| Net operating income to assets | 0.5911% | 4,079 |
| Return on assets (ROA) | 0.6588% | 3,784 |
| Pretax return on assets | 0.6747% | 4,398 |
| Return on Equity (ROE) | 7.9297% | 2,945 |
| Retained earnings to average equity (ytd only) | 7.9297% | 1,762 |
| Net charge-offs to loans | 0.3495% | 2,665 |
| Credit loss provision to net charge-offs | -103.2258% | 5,723 |
| Earnings coverage of net charge-offs (x) | 2.6452% | 3,020 |
| Efficiency ratio | 88.8738% | 1,430 |
| Assets per employee ($millions) | 3.5696% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 6,738 |
| Loan loss allowance to noncurrent loans | 43.6006% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 1.6342% | 3,799 |
| Noncurrent loans to loans | 2.0288% | 3,537 |
| Net loans and leases to total assets | 46.3381% | 6,256 |
| Net loans and leases to deposits | 57.6991% | 5,957 |
| Net loans and leases to core deposits | 59.8876% | 6,102 |
| Total domestic deposits to total assets | 80.3100% | 5,865 |
| Equity capital to assets | 8.4509% | 5,978 |
| Core capital (leverage) ratio | 8.3665% | 5,693 |
| Tier 1 risk-based capital ratio | 15.8602% | 2,970 |
| Total risk-based capital ratio | 16.6480% | 3,173 |
| Memoranda: | ||
| Average total assets | $75,288,500 | 5,718 |
| Average earning assets | $65,860,500 | 5,800 |
| Average equity | $6,255,000 | 6,167 |
| Average total loans | $35,477,500 | 6,050 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5482% | 2,091 |
| Cost of funding earning assets | 1.3839% | 3,364 |
| Net interest margin | 4.1643% | 2,311 |
| Noninterest income to average assets | 0.5766% | 3,612 |
| Noninterest expense to average assets | 3.5684% | 2,010 |
| Loan and lease loss provision to assets | 0.0993% | 6,151 |
| Net operating income to assets | 0.5290% | 3,969 |
| Return on assets (ROA) | 0.5945% | 3,861 |
| Pretax return on assets | 0.6262% | 4,239 |
| Return on Equity (ROE) | 6.6774% | 3,269 |
| Retained earnings to average equity (ytd only) | 4.1056% | 2,982 |
| Net charge-offs to loans | 0.2250% | 4,938 |
| Credit loss provision to net charge-offs | 90.0000% | 5,133 |
| Earnings coverage of net charge-offs (x) | 5.9500% | 2,485 |
| Efficiency ratio | 84.4597% | 1,871 |
| Assets per employee ($millions) | 3.6007% | 4,706 |
| Cash dividends to net income (ytd only)* | 38.5151% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 6,197 |
| Loan loss allowance to noncurrent loans | 73.7154% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.3489% | 4,318 |
| Noncurrent loans to loans | 1.4091% | 4,369 |
| Net loans and leases to total assets | 46.9960% | 6,478 |
| Net loans and leases to deposits | 60.4971% | 5,998 |
| Net loans and leases to core deposits | 62.5458% | 6,190 |
| Total domestic deposits to total assets | 77.6830% | 6,373 |
| Equity capital to assets | 8.1664% | 6,301 |
| Core capital (leverage) ratio | 8.3288% | 5,647 |
| Tier 1 risk-based capital ratio | 15.3291% | 3,083 |
| Total risk-based capital ratio | 16.2640% | 3,197 |
| Memoranda: | ||
| Average total assets | $72,497,600 | 5,801 |
| Average earning assets | $63,516,400 | 5,874 |
| Average equity | $6,454,600 | 6,215 |
| Average total loans | $35,550,400 | 6,136 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5888% | 2,102 |
| Cost of funding earning assets | 1.4115% | 3,512 |
| Net interest margin | 4.1773% | 2,307 |
| Noninterest income to average assets | 0.5057% | 4,136 |
| Noninterest expense to average assets | 3.5546% | 1,896 |
| Loan and lease loss provision to assets | 0.0892% | 6,154 |
| Net operating income to assets | 0.4889% | 4,366 |
| Return on assets (ROA) | 0.5763% | 4,138 |
| Pretax return on assets | 0.6135% | 4,554 |
| Return on Equity (ROE) | 6.3349% | 3,661 |
| Retained earnings to average equity (ytd only) | 4.6388% | 3,237 |
| Net charge-offs to loans | 0.2745% | 4,305 |
| Credit loss provision to net charge-offs | 65.7534% | 5,541 |
| Earnings coverage of net charge-offs (x) | 4.4932% | 3,029 |
| Efficiency ratio | 85.3571% | 1,697 |
| Assets per employee ($millions) | 3.7122% | 4,480 |
| Cash dividends to net income (ytd only)* | 26.7734% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 6,476 |
| Loan loss allowance to noncurrent loans | 81.0934% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.2567% | 4,636 |
| Noncurrent loans to loans | 1.2100% | 4,826 |
| Net loans and leases to total assets | 48.3864% | 6,484 |
| Net loans and leases to deposits | 58.8995% | 6,387 |
| Net loans and leases to core deposits | 61.2014% | 6,525 |
| Total domestic deposits to total assets | 82.1507% | 4,935 |
| Equity capital to assets | 9.1617% | 5,367 |
| Core capital (leverage) ratio | 8.4010% | 5,697 |
| Tier 1 risk-based capital ratio | 15.5080% | 2,993 |
| Total risk-based capital ratio | 16.4159% | 3,150 |
| Memoranda: | ||
| Average total assets | $71,718,250 | 5,895 |
| Average earning assets | $62,814,500 | 5,962 |
| Average equity | $6,524,500 | 6,269 |
| Average total loans | $35,460,750 | 6,222 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7392% | 1,601 |
| Cost of funding earning assets | 1.4364% | 3,630 |
| Net interest margin | 4.3028% | 1,768 |
| Noninterest income to average assets | 0.4995% | 4,127 |
| Noninterest expense to average assets | 3.6260% | 1,721 |
| Loan and lease loss provision to assets | 0.0677% | 6,276 |
| Net operating income to assets | 0.5358% | 4,169 |
| Return on assets (ROA) | 0.6180% | 3,927 |
| Pretax return on assets | 0.6547% | 4,382 |
| Return on Equity (ROE) | 6.8097% | 3,390 |
| Retained earnings to average equity (ytd only) | 4.2289% | 3,381 |
| Net charge-offs to loans | 0.2330% | 4,207 |
| Credit loss provision to net charge-offs | 58.5366% | 5,240 |
| Earnings coverage of net charge-offs (x) | 5.4878% | 2,655 |
| Efficiency ratio | 85.0993% | 1,808 |
| Assets per employee ($millions) | 3.8321% | 4,148 |
| Cash dividends to net income (ytd only)* | 37.8995% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 6,377 |
| Loan loss allowance to noncurrent loans | 81.9820% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.3267% | 4,498 |
| Noncurrent loans to loans | 1.2257% | 4,915 |
| Net loans and leases to total assets | 49.2501% | 6,523 |
| Net loans and leases to deposits | 60.9857% | 6,315 |
| Net loans and leases to core deposits | 63.4661% | 6,451 |
| Total domestic deposits to total assets | 80.7568% | 5,489 |
| Equity capital to assets | 9.0015% | 5,446 |
| Core capital (leverage) ratio | 8.4024% | 5,580 |
| Tier 1 risk-based capital ratio | 15.3818% | 2,964 |
| Total risk-based capital ratio | 16.3166% | 3,085 |
| Memoranda: | ||
| Average total assets | $70,876,330 | 5,950 |
| Average earning assets | $61,960,330 | 6,022 |
| Average equity | $6,432,000 | 6,324 |
| Average total loans | $35,187,670 | 6,281 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7815% | 1,518 |
| Cost of funding earning assets | 1.4240% | 4,023 |
| Net interest margin | 4.3574% | 1,515 |
| Noninterest income to average assets | 0.6122% | 3,192 |
| Noninterest expense to average assets | 3.4273% | 2,166 |
| Loan and lease loss provision to assets | 0.1373% | 5,187 |
| Net operating income to assets | 0.7793% | 3,065 |
| Return on assets (ROA) | 0.8583% | 2,806 |
| Pretax return on assets | 0.9326% | 3,335 |
| Return on Equity (ROE) | 9.4177% | 2,334 |
| Retained earnings to average equity (ytd only) | 9.4177% | 1,293 |
| Net charge-offs to loans | 0.3230% | 3,119 |
| Credit loss provision to net charge-offs | 85.7143% | 3,752 |
| Earnings coverage of net charge-offs (x) | 6.1429% | 2,275 |
| Efficiency ratio | 77.6913% | 2,945 |
| Assets per employee ($millions) | 3.7204% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 6,172 |
| Loan loss allowance to noncurrent loans | 73.3463% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.5151% | 4,227 |
| Noncurrent loans to loans | 1.4482% | 4,567 |
| Net loans and leases to total assets | 49.6767% | 6,500 |
| Net loans and leases to deposits | 61.5383% | 6,319 |
| Net loans and leases to core deposits | 63.6776% | 6,474 |
| Total domestic deposits to total assets | 80.7249% | 5,550 |
| Equity capital to assets | 9.1926% | 4,997 |
| Core capital (leverage) ratio | 8.7535% | 4,935 |
| Tier 1 risk-based capital ratio | 15.6888% | 2,786 |
| Total risk-based capital ratio | 16.6741% | 2,853 |
| Memoranda: | ||
| Average total assets | $69,909,500 | 6,049 |
| Average earning assets | $60,953,500 | 6,132 |
| Average equity | $6,371,000 | 6,393 |
| Average total loans | $34,670,000 | 6,388 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0505% | 1,672 |
| Cost of funding earning assets | 1.5417% | 5,331 |
| Net interest margin | 4.5089% | 1,159 |
| Noninterest income to average assets | 0.5734% | 3,828 |
| Noninterest expense to average assets | 3.6836% | 1,942 |
| Loan and lease loss provision to assets | 0.2951% | 5,067 |
| Net operating income to assets | 0.4710% | 3,854 |
| Return on assets (ROA) | 0.6468% | 3,206 |
| Pretax return on assets | 0.7034% | 3,561 |
| Return on Equity (ROE) | 7.0888% | 2,757 |
| Retained earnings to average equity (ytd only) | 5.6978% | 1,474 |
| Net charge-offs to loans | 0.5061% | 3,756 |
| Credit loss provision to net charge-offs | 122.1519% | 4,334 |
| Earnings coverage of net charge-offs (x) | 3.3418% | 3,391 |
| Efficiency ratio | 82.0225% | 2,597 |
| Assets per employee ($millions) | 3.4566% | 5,113 |
| Cash dividends to net income (ytd only)* | 19.6217% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 5,773 |
| Loan loss allowance to noncurrent loans | 170.0893% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1138% | 4,863 |
| Noncurrent loans to loans | 0.6618% | 5,920 |
| Net loans and leases to total assets | 48.4103% | 6,777 |
| Net loans and leases to deposits | 58.5774% | 6,741 |
| Net loans and leases to core deposits | 65.9968% | 6,983 |
| Total domestic deposits to total assets | 82.6433% | 4,684 |
| Equity capital to assets | 9.0320% | 5,089 |
| Core capital (leverage) ratio | 8.7136% | 4,903 |
| Tier 1 risk-based capital ratio | 15.7542% | 2,616 |
| Total risk-based capital ratio | 16.7797% | 2,652 |
| Memoranda: | ||
| Average total assets | $65,397,600 | 6,156 |
| Average earning assets | $56,821,400 | 6,258 |
| Average equity | $5,967,200 | 6,615 |
| Average total loans | $31,216,600 | 6,570 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0348% | 1,900 |
| Cost of funding earning assets | 1.5801% | 5,488 |
| Net interest margin | 4.4547% | 1,307 |
| Noninterest income to average assets | 0.5667% | 3,954 |
| Noninterest expense to average assets | 3.7395% | 1,724 |
| Loan and lease loss provision to assets | 0.3268% | 4,373 |
| Net operating income to assets | 0.3723% | 4,509 |
| Return on assets (ROA) | 0.5150% | 4,015 |
| Pretax return on assets | 0.5150% | 4,471 |
| Return on Equity (ROE) | 5.6289% | 3,682 |
| Retained earnings to average equity (ytd only) | 5.6289% | 2,143 |
| Net charge-offs to loans | 0.6981% | 2,603 |
| Credit loss provision to net charge-offs | 98.7500% | 5,181 |
| Earnings coverage of net charge-offs (x) | 2.1125% | 4,238 |
| Efficiency ratio | 84.2498% | 2,270 |
| Assets per employee ($millions) | 3.3634% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 5,964 |
| Loan loss allowance to noncurrent loans | 67.1875% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.5505% | 4,041 |
| Noncurrent loans to loans | 1.5772% | 4,275 |
| Net loans and leases to total assets | 47.7485% | 6,974 |
| Net loans and leases to deposits | 58.4162% | 6,938 |
| Net loans and leases to core deposits | 65.8730% | 7,165 |
| Total domestic deposits to total assets | 81.7384% | 4,789 |
| Equity capital to assets | 9.3151% | 5,014 |
| Core capital (leverage) ratio | 8.8359% | 4,918 |
| Tier 1 risk-based capital ratio | 16.2705% | 2,525 |
| Total risk-based capital ratio | 17.2416% | 2,565 |
| Memoranda: | ||
| Average total assets | $64,464,000 | 6,230 |
| Average earning assets | $56,029,500 | 6,333 |
| Average equity | $5,898,000 | 6,703 |
| Average total loans | $30,558,750 | 6,651 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9913% | 2,220 |
| Cost of funding earning assets | 1.6495% | 5,517 |
| Net interest margin | 4.3418% | 1,545 |
| Noninterest income to average assets | 0.5509% | 4,034 |
| Noninterest expense to average assets | 3.8155% | 1,630 |
| Loan and lease loss provision to assets | 0.4219% | 3,435 |
| Net operating income to assets | 0.0756% | 5,634 |
| Return on assets (ROA) | 0.1920% | 5,370 |
| Pretax return on assets | 0.1920% | 5,491 |
| Return on Equity (ROE) | 2.1124% | 5,257 |
| Retained earnings to average equity (ytd only) | 2.1124% | 4,170 |
| Net charge-offs to loans | 1.0426% | 1,716 |
| Credit loss provision to net charge-offs | 85.8974% | 5,034 |
| Earnings coverage of net charge-offs (x) | 1.0128% | 4,771 |
| Efficiency ratio | 88.4672% | 1,953 |
| Assets per employee ($millions) | 3.2346% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 5,937 |
| Loan loss allowance to noncurrent loans | 45.5696% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 1.5443% | 3,912 |
| Noncurrent loans to loans | 2.2948% | 3,142 |
| Net loans and leases to total assets | 47.3930% | 7,085 |
| Net loans and leases to deposits | 57.0612% | 7,088 |
| Net loans and leases to core deposits | 63.1493% | 7,332 |
| Total domestic deposits to total assets | 83.0564% | 4,211 |
| Equity capital to assets | 8.9271% | 5,413 |
| Core capital (leverage) ratio | 8.7470% | 5,009 |
| Tier 1 risk-based capital ratio | 16.4916% | 2,449 |
| Total risk-based capital ratio | 17.4501% | 2,499 |
| Memoranda: | ||
| Average total assets | $63,529,670 | 6,312 |
| Average earning assets | $55,046,330 | 6,426 |
| Average equity | $5,775,330 | 6,803 |
| Average total loans | $29,924,000 | 6,737 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8750% | 2,915 |
| Cost of funding earning assets | 1.8015% | 5,108 |
| Net interest margin | 4.0735% | 2,389 |
| Noninterest income to average assets | 0.6736% | 3,048 |
| Noninterest expense to average assets | 3.8190% | 1,439 |
| Loan and lease loss provision to assets | 0.7689% | 1,675 |
| Net operating income to assets | -0.3940% | 6,777 |
| Return on assets (ROA) | -0.3304% | 6,794 |
| Pretax return on assets | -0.3304% | 6,699 |
| Return on Equity (ROE) | -3.6014% | 6,848 |
| Retained earnings to average equity (ytd only) | -3.6014% | 6,373 |
| Net charge-offs to loans | 1.6738% | 863 |
| Credit loss provision to net charge-offs | 98.3740% | 3,835 |
| Earnings coverage of net charge-offs (x) | 0.4797% | 4,601 |
| Efficiency ratio | 91.0606% | 1,648 |
| Assets per employee ($millions) | 3.2059% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 5,011 |
| Loan loss allowance to noncurrent loans | 45.8056% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 1.9511% | 2,980 |
| Noncurrent loans to loans | 2.5446% | 2,588 |
| Net loans and leases to total assets | 45.4927% | 7,227 |
| Net loans and leases to deposits | 53.8690% | 7,298 |
| Net loans and leases to core deposits | 58.9702% | 7,495 |
| Total domestic deposits to total assets | 84.4505% | 3,485 |
| Equity capital to assets | 9.0770% | 5,254 |
| Core capital (leverage) ratio | 8.7569% | 5,054 |
| Tier 1 risk-based capital ratio | 16.7264% | 2,435 |
| Total risk-based capital ratio | 17.7796% | 2,442 |
| Memoranda: | ||
| Average total assets | $62,949,000 | 6,359 |
| Average earning assets | $54,400,000 | 6,478 |
| Average equity | $5,775,500 | 6,849 |
| Average total loans | $29,394,500 | 6,804 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7857% | 1,729 |
| Cost of funding earning assets | 2.4008% | 4,716 |
| Net interest margin | 4.3850% | 1,736 |
| Noninterest income to average assets | 0.6856% | 3,209 |
| Noninterest expense to average assets | 3.6579% | 2,030 |
| Loan and lease loss provision to assets | 0.2832% | 4,122 |
| Net operating income to assets | 0.4599% | 4,908 |
| Return on assets (ROA) | 0.5858% | 4,235 |
| Pretax return on assets | 0.6872% | 4,441 |
| Return on Equity (ROE) | 6.5226% | 3,741 |
| Retained earnings to average equity (ytd only) | 1.2006% | 4,511 |
| Net charge-offs to loans | 0.2529% | 3,752 |
| Credit loss provision to net charge-offs | 234.6667% | 2,025 |
| Earnings coverage of net charge-offs (x) | 6.8133% | 3,261 |
| Efficiency ratio | 81.6451% | 2,352 |
| Assets per employee ($millions) | 3.0890% | 5,808 |
| Cash dividends to net income (ytd only)* | 81.5934% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 4,690 |
| Loan loss allowance to noncurrent loans | 37.0450% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 2.3211% | 2,099 |
| Noncurrent loans to loans | 3.1903% | 1,652 |
| Net loans and leases to total assets | 46.8275% | 7,266 |
| Net loans and leases to deposits | 55.2743% | 7,370 |
| Net loans and leases to core deposits | 60.6257% | 7,558 |
| Total domestic deposits to total assets | 84.7184% | 2,969 |
| Equity capital to assets | 9.2765% | 4,964 |
| Core capital (leverage) ratio | 8.8359% | 4,990 |
| Tier 1 risk-based capital ratio | 16.8212% | 2,374 |
| Total risk-based capital ratio | 17.8765% | 2,373 |
| Memoranda: | ||
| Average total assets | $62,139,800 | 6,313 |
| Average earning assets | $53,774,600 | 6,425 |
| Average equity | $5,580,600 | 6,955 |
| Average total loans | $29,652,400 | 6,727 |