Home > Community State Bank > Performance and Condition Ratios
Community State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0538% | 1,965 |
| Cost of funding earning assets | 1.6806% | 1,491 |
| Net interest margin | 3.3732% | 2,463 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.7487% | 4,068 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.1489% | 1,785 |
| Return on assets (ROA) | 1.1489% | 1,757 |
| Pretax return on assets | 1.5119% | 1,390 |
| Return on Equity (ROE) | 12.4700% | 1,847 |
| Retained earnings to average equity (ytd only) | 8.7164% | 1,329 |
| Net charge-offs to loans | -0.0117% | 4,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.3907% | 3,798 |
| Assets per employee ($millions) | 10.4810% | 621 |
| Cash dividends to net income (ytd only)* | 30.0971% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 3,729 |
| Loan loss allowance to noncurrent loans | 166.1871% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 1,257 |
| Noncurrent loans to loans | 0.5387% | 1,446 |
| Net loans and leases to total assets | 81.3300% | 494 |
| Net loans and leases to deposits | 98.2877% | 631 |
| Net loans and leases to core deposits | 127.5049% | 449 |
| Total domestic deposits to total assets | 82.7400% | 2,956 |
| Equity capital to assets | 8.8263% | 2,802 |
| Core capital (leverage) ratio | 10.0441% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $116,543,200 | 3,689 |
| Average earning assets | $108,294,000 | 3,662 |
| Average equity | $10,738,400 | 3,644 |
| Average total loans | $93,907,000 | 3,244 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9583% | 1,928 |
| Cost of funding earning assets | 1.5088% | 1,577 |
| Net interest margin | 3.4495% | 2,339 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.7157% | 4,101 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.2267% | 1,710 |
| Return on assets (ROA) | 1.2267% | 1,707 |
| Pretax return on assets | 1.6247% | 1,306 |
| Return on Equity (ROE) | 13.1600% | 1,869 |
| Retained earnings to average equity (ytd only) | 13.1605% | 789 |
| Net charge-offs to loans | -0.0131% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.3080% | 3,890 |
| Assets per employee ($millions) | 10.2575% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 4,034 |
| Loan loss allowance to noncurrent loans | 161.8644% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 1,506 |
| Noncurrent loans to loans | 0.4758% | 1,631 |
| Net loans and leases to total assets | 79.9700% | 652 |
| Net loans and leases to deposits | 98.3357% | 598 |
| Net loans and leases to core deposits | 129.1986% | 353 |
| Total domestic deposits to total assets | 81.3300% | 3,333 |
| Equity capital to assets | 8.9268% | 2,463 |
| Core capital (leverage) ratio | 10.8441% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $114,236,000 | 3,718 |
| Average earning assets | $106,485,500 | 3,693 |
| Average equity | $10,647,750 | 3,658 |
| Average total loans | $91,581,000 | 3,272 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 1,755 |
| Cost of funding earning assets | 1.3863% | 1,484 |
| Net interest margin | 3.5167% | 2,225 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.6642% | 4,192 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.2976% | 1,576 |
| Return on assets (ROA) | 1.2976% | 1,563 |
| Pretax return on assets | 1.7271% | 1,154 |
| Return on Equity (ROE) | 13.7100% | 1,742 |
| Retained earnings to average equity (ytd only) | 13.7076% | 720 |
| Net charge-offs to loans | -0.0112% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.5603% | 4,088 |
| Assets per employee ($millions) | 14.1725% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8263% | 3,957 |
| Loan loss allowance to noncurrent loans | 134.0388% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 1,018 |
| Noncurrent loans to loans | 0.6165% | 1,212 |
| Net loans and leases to total assets | 80.4500% | 588 |
| Net loans and leases to deposits | 98.3174% | 586 |
| Net loans and leases to core deposits | 120.1694% | 507 |
| Total domestic deposits to total assets | 81.8200% | 3,267 |
| Equity capital to assets | 9.5184% | 2,148 |
| Core capital (leverage) ratio | 11.0420% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $111,284,667 | 3,754 |
| Average earning assets | $104,016,667 | 3,737 |
| Average equity | $10,534,333 | 3,675 |
| Average total loans | $89,040,333 | 3,306 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7547% | 1,726 |
| Cost of funding earning assets | 1.2946% | 1,237 |
| Net interest margin | 3.4601% | 2,474 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.6728% | 4,224 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.2373% | 1,828 |
| Return on assets (ROA) | 1.2373% | 1,801 |
| Pretax return on assets | 1.6510% | 1,369 |
| Return on Equity (ROE) | 13.1100% | 1,963 |
| Retained earnings to average equity (ytd only) | 13.1085% | 1,074 |
| Net charge-offs to loans | -0.0137% | 3,964 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.7315% | 4,045 |
| Assets per employee ($millions) | 12.4782% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 4,053 |
| Loan loss allowance to noncurrent loans | 62.0631% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 364 |
| Noncurrent loans to loans | 1.3198% | 505 |
| Net loans and leases to total assets | 78.4900% | 716 |
| Net loans and leases to deposits | 92.8754% | 859 |
| Net loans and leases to core deposits | 111.5346% | 655 |
| Total domestic deposits to total assets | 84.5100% | 2,972 |
| Equity capital to assets | 9.4289% | 2,202 |
| Core capital (leverage) ratio | 10.8032% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $110,237,000 | 3,822 |
| Average earning assets | $102,887,500 | 3,795 |
| Average equity | $10,405,500 | 3,730 |
| Average total loans | $87,575,000 | 3,361 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 1,265 |
| Cost of funding earning assets | 0.5145% | 1,297 |
| Net interest margin | 3.6764% | 1,437 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 1.7657% | 4,073 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.6302% | 637 |
| Return on assets (ROA) | 1.6302% | 608 |
| Pretax return on assets | 2.1419% | 354 |
| Return on Equity (ROE) | 16.3500% | 989 |
| Retained earnings to average equity (ytd only) | 12.0450% | 656 |
| Net charge-offs to loans | -0.0160% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.3513% | 4,417 |
| Assets per employee ($millions) | 12.0189% | 385 |
| Cash dividends to net income (ytd only)* | 26.3253% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 4,018 |
| Loan loss allowance to noncurrent loans | 58.7140% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.1316% | 348 |
| Noncurrent loans to loans | 1.3701% | 497 |
| Net loans and leases to total assets | 79.1200% | 683 |
| Net loans and leases to deposits | 97.9580% | 526 |
| Net loans and leases to core deposits | 110.1685% | 606 |
| Total domestic deposits to total assets | 80.7700% | 3,786 |
| Equity capital to assets | 9.4499% | 2,043 |
| Core capital (leverage) ratio | 10.9030% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $101,827,800 | 3,909 |
| Average earning assets | $96,398,000 | 3,871 |
| Average equity | $10,153,600 | 3,851 |
| Average total loans | $75,104,600 | 3,488 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 1,132 |
| Cost of funding earning assets | 0.4386% | 1,043 |
| Net interest margin | 3.6258% | 1,333 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 1.7504% | 4,075 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.7052% | 525 |
| Return on assets (ROA) | 1.7052% | 514 |
| Pretax return on assets | 2.2372% | 302 |
| Return on Equity (ROE) | 16.8600% | 824 |
| Retained earnings to average equity (ytd only) | 16.8627% | 220 |
| Net charge-offs to loans | -0.0258% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 43.2468% | 4,487 |
| Assets per employee ($millions) | 11.3624% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8182% | 4,054 |
| Loan loss allowance to noncurrent loans | 53.7530% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.2546% | 308 |
| Noncurrent loans to loans | 1.5222% | 457 |
| Net loans and leases to total assets | 78.9400% | 622 |
| Net loans and leases to deposits | 95.8924% | 559 |
| Net loans and leases to core deposits | 107.5169% | 546 |
| Total domestic deposits to total assets | 82.3200% | 3,785 |
| Equity capital to assets | 10.1015% | 1,568 |
| Core capital (leverage) ratio | 11.5947% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $100,242,250 | 3,951 |
| Average earning assets | $95,461,750 | 3,907 |
| Average equity | $10,136,500 | 3,902 |
| Average total loans | $72,312,250 | 3,548 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8734% | 1,164 |
| Cost of funding earning assets | 0.4157% | 831 |
| Net interest margin | 3.4578% | 1,424 |
| Noninterest income to average assets | 0.3515% | 3,047 |
| Noninterest expense to average assets | 1.6491% | 4,218 |
| Loan and lease loss provision to assets | 0.0603% | 1,514 |
| Net operating income to assets | 1.4723% | 756 |
| Return on assets (ROA) | 1.4723% | 735 |
| Pretax return on assets | 1.9504% | 424 |
| Return on Equity (ROE) | 14.5552% | 987 |
| Retained earnings to average equity (ytd only) | 14.5552% | 309 |
| Net charge-offs to loans | -0.0173% | 3,810 |
| Credit loss provision to net charge-offs | -500.0000% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0604% | 4,493 |
| Assets per employee ($millions) | 10.9800% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 4,028 |
| Loan loss allowance to noncurrent loans | 51.0317% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.3206% | 299 |
| Noncurrent loans to loans | 1.7050% | 412 |
| Net loans and leases to total assets | 74.1328% | 907 |
| Net loans and leases to deposits | 85.8797% | 984 |
| Net loans and leases to core deposits | 96.7537% | 801 |
| Total domestic deposits to total assets | 86.3216% | 3,164 |
| Equity capital to assets | 10.0820% | 1,671 |
| Core capital (leverage) ratio | 11.4369% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,569,000 | 3,992 |
| Average earning assets | $95,264,000 | 3,958 |
| Average equity | $10,072,000 | 3,978 |
| Average total loans | $69,285,000 | 3,633 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5899% | 1,531 |
| Cost of funding earning assets | 0.4150% | 799 |
| Net interest margin | 3.1749% | 1,958 |
| Noninterest income to average assets | 0.3842% | 2,786 |
| Noninterest expense to average assets | 1.6769% | 4,168 |
| Loan and lease loss provision to assets | 0.0600% | 1,331 |
| Net operating income to assets | 1.2887% | 1,023 |
| Return on assets (ROA) | 1.2887% | 1,016 |
| Pretax return on assets | 1.7090% | 670 |
| Return on Equity (ROE) | 12.7191% | 1,103 |
| Retained earnings to average equity (ytd only) | 12.7191% | 500 |
| Net charge-offs to loans | -0.0119% | 3,656 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6643% | 4,370 |
| Assets per employee ($millions) | 11.2266% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 3,978 |
| Loan loss allowance to noncurrent loans | 49.3270% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.2955% | 318 |
| Noncurrent loans to loans | 1.8739% | 402 |
| Net loans and leases to total assets | 66.0913% | 1,401 |
| Net loans and leases to deposits | 76.4059% | 1,408 |
| Net loans and leases to core deposits | 85.8870% | 1,138 |
| Total domestic deposits to total assets | 86.5003% | 3,102 |
| Equity capital to assets | 9.9635% | 1,919 |
| Core capital (leverage) ratio | 10.6595% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,943,500 | 4,006 |
| Average earning assets | $96,382,500 | 3,965 |
| Average equity | $10,126,500 | 4,040 |
| Average total loans | $66,977,000 | 3,684 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 1,731 |
| Cost of funding earning assets | 0.5269% | 801 |
| Net interest margin | 3.3312% | 2,232 |
| Noninterest income to average assets | 0.4716% | 2,716 |
| Noninterest expense to average assets | 1.8607% | 4,026 |
| Loan and lease loss provision to assets | 0.0481% | 2,096 |
| Net operating income to assets | 1.3477% | 1,452 |
| Return on assets (ROA) | 1.3528% | 1,473 |
| Pretax return on assets | 1.7741% | 970 |
| Return on Equity (ROE) | 12.7502% | 1,547 |
| Retained earnings to average equity (ytd only) | 9.1923% | 1,142 |
| Net charge-offs to loans | 0.3397% | 249 |
| Credit loss provision to net charge-offs | 21.0280% | 2,273 |
| Earnings coverage of net charge-offs (x) | 7.9346% | 2,323 |
| Efficiency ratio | 50.6108% | 4,239 |
| Assets per employee ($millions) | 10.9831% | 513 |
| Cash dividends to net income (ytd only)* | 27.9051% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 4,031 |
| Loan loss allowance to noncurrent loans | 40.7656% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.5539% | 259 |
| Noncurrent loans to loans | 2.2373% | 325 |
| Net loans and leases to total assets | 66.7146% | 1,406 |
| Net loans and leases to deposits | 77.3615% | 1,461 |
| Net loans and leases to core deposits | 90.1776% | 964 |
| Total domestic deposits to total assets | 86.2375% | 2,825 |
| Equity capital to assets | 10.3047% | 2,367 |
| Core capital (leverage) ratio | 10.0548% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,512,200 | 4,062 |
| Average earning assets | $89,966,400 | 4,025 |
| Average equity | $9,921,400 | 4,140 |
| Average total loans | $62,995,200 | 3,773 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2283% | 1,068 |
| Cost of funding earning assets | 0.5505% | 830 |
| Net interest margin | 3.6778% | 1,390 |
| Noninterest income to average assets | 0.2271% | 4,046 |
| Noninterest expense to average assets | 1.8587% | 4,036 |
| Loan and lease loss provision to assets | 0.0434% | 2,127 |
| Net operating income to assets | 1.4190% | 1,483 |
| Return on assets (ROA) | 1.4190% | 1,545 |
| Pretax return on assets | 1.8616% | 1,019 |
| Return on Equity (ROE) | 13.2718% | 1,626 |
| Retained earnings to average equity (ytd only) | 13.2718% | 600 |
| Net charge-offs to loans | 0.4702% | 162 |
| Credit loss provision to net charge-offs | 13.6986% | 2,014 |
| Earnings coverage of net charge-offs (x) | 6.0137% | 2,199 |
| Efficiency ratio | 49.3851% | 4,271 |
| Assets per employee ($millions) | 10.5630% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 4,116 |
| Loan loss allowance to noncurrent loans | 38.8632% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.6420% | 286 |
| Noncurrent loans to loans | 2.3525% | 334 |
| Net loans and leases to total assets | 67.0338% | 1,426 |
| Net loans and leases to deposits | 78.6161% | 1,424 |
| Net loans and leases to core deposits | 92.4464% | 904 |
| Total domestic deposits to total assets | 85.2672% | 3,026 |
| Equity capital to assets | 10.8797% | 2,099 |
| Core capital (leverage) ratio | 10.9428% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,178,250 | 4,130 |
| Average earning assets | $88,638,500 | 4,086 |
| Average equity | $9,855,250 | 4,202 |
| Average total loans | $62,105,750 | 3,836 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 899 |
| Cost of funding earning assets | 0.5824% | 811 |
| Net interest margin | 3.7822% | 1,168 |
| Noninterest income to average assets | 0.2236% | 4,063 |
| Noninterest expense to average assets | 1.8703% | 4,037 |
| Loan and lease loss provision to assets | 0.0329% | 2,322 |
| Net operating income to assets | 1.4932% | 1,315 |
| Return on assets (ROA) | 1.4932% | 1,377 |
| Pretax return on assets | 1.9514% | 916 |
| Return on Equity (ROE) | 14.0519% | 1,398 |
| Retained earnings to average equity (ytd only) | 14.0519% | 536 |
| Net charge-offs to loans | 0.7137% | 114 |
| Credit loss provision to net charge-offs | 6.8493% | 1,783 |
| Earnings coverage of net charge-offs (x) | 4.1324% | 2,041 |
| Efficiency ratio | 48.5210% | 4,352 |
| Assets per employee ($millions) | 10.7410% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 4,136 |
| Loan loss allowance to noncurrent loans | 37.1188% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.7089% | 290 |
| Noncurrent loans to loans | 2.4478% | 337 |
| Net loans and leases to total assets | 64.5315% | 1,888 |
| Net loans and leases to deposits | 75.9829% | 1,821 |
| Net loans and leases to core deposits | 89.1477% | 1,197 |
| Total domestic deposits to total assets | 84.9290% | 3,125 |
| Equity capital to assets | 10.3508% | 2,538 |
| Core capital (leverage) ratio | 11.1455% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,215,333 | 4,160 |
| Average earning assets | $87,567,000 | 4,119 |
| Average equity | $9,692,667 | 4,238 |
| Average total loans | $61,369,333 | 3,872 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7424% | 536 |
| Cost of funding earning assets | 0.6075% | 850 |
| Net interest margin | 4.1349% | 682 |
| Noninterest income to average assets | 0.2260% | 4,031 |
| Noninterest expense to average assets | 1.8805% | 4,030 |
| Loan and lease loss provision to assets | 0.0362% | 2,294 |
| Net operating income to assets | 1.7810% | 814 |
| Return on assets (ROA) | 1.7810% | 865 |
| Pretax return on assets | 2.2783% | 608 |
| Return on Equity (ROE) | 16.5268% | 924 |
| Retained earnings to average equity (ytd only) | 16.5268% | 462 |
| Net charge-offs to loans | 0.6405% | 125 |
| Credit loss provision to net charge-offs | 8.2474% | 1,454 |
| Earnings coverage of net charge-offs (x) | 5.2784% | 1,687 |
| Efficiency ratio | 44.8276% | 4,533 |
| Assets per employee ($millions) | 11.3971% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 3,352 |
| Loan loss allowance to noncurrent loans | 38.3371% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.9654% | 260 |
| Noncurrent loans to loans | 2.9105% | 275 |
| Net loans and leases to total assets | 66.7756% | 1,688 |
| Net loans and leases to deposits | 79.1956% | 1,596 |
| Net loans and leases to core deposits | 94.3836% | 955 |
| Total domestic deposits to total assets | 84.3173% | 3,336 |
| Equity capital to assets | 10.6299% | 2,146 |
| Core capital (leverage) ratio | 11.1333% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,488,500 | 4,209 |
| Average earning assets | $84,936,000 | 4,154 |
| Average equity | $9,536,000 | 4,265 |
| Average total loans | $60,577,000 | 3,910 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 1,001 |
| Cost of funding earning assets | 0.8002% | 1,210 |
| Net interest margin | 3.8466% | 1,368 |
| Noninterest income to average assets | 0.2289% | 4,130 |
| Noninterest expense to average assets | 2.1017% | 3,936 |
| Loan and lease loss provision to assets | 0.0388% | 3,921 |
| Net operating income to assets | 1.3749% | 1,075 |
| Return on assets (ROA) | 1.3749% | 1,166 |
| Pretax return on assets | 1.7629% | 739 |
| Return on Equity (ROE) | 11.7246% | 1,399 |
| Retained earnings to average equity (ytd only) | 8.2944% | 973 |
| Net charge-offs to loans | -0.0616% | 4,713 |
| Credit loss provision to net charge-offs | -85.7143% | 3,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8436% | 4,228 |
| Assets per employee ($millions) | 9.5333% | 614 |
| Cash dividends to net income (ytd only)* | 29.2568% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 2,406 |
| Loan loss allowance to noncurrent loans | 41.1359% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 2.1958% | 240 |
| Noncurrent loans to loans | 3.1620% | 261 |
| Net loans and leases to total assets | 68.5408% | 1,757 |
| Net loans and leases to deposits | 81.7016% | 1,688 |
| Net loans and leases to core deposits | 98.3115% | 997 |
| Total domestic deposits to total assets | 83.8916% | 3,145 |
| Equity capital to assets | 10.9324% | 2,315 |
| Core capital (leverage) ratio | 11.3006% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6770% | 1,110 |
| Memoranda: | ||
| Average total assets | $77,316,800 | 4,278 |
| Average earning assets | $73,857,200 | 4,236 |
| Average equity | $9,066,400 | 4,305 |
| Average total loans | $56,787,600 | 3,967 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8371% | 833 |
| Cost of funding earning assets | 0.8291% | 1,364 |
| Net interest margin | 4.0080% | 1,098 |
| Noninterest income to average assets | 0.2199% | 4,176 |
| Noninterest expense to average assets | 2.1543% | 3,802 |
| Loan and lease loss provision to assets | 0.0412% | 3,835 |
| Net operating income to assets | 1.4238% | 1,049 |
| Return on assets (ROA) | 1.4238% | 1,136 |
| Pretax return on assets | 1.8476% | 716 |
| Return on Equity (ROE) | 11.9119% | 1,395 |
| Retained earnings to average equity (ytd only) | 11.9119% | 436 |
| Net charge-offs to loans | -0.0689% | 4,756 |
| Credit loss provision to net charge-offs | -79.3103% | 3,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2895% | 4,223 |
| Assets per employee ($millions) | 9.3388% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 2,189 |
| Loan loss allowance to noncurrent loans | 47.2998% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.9167% | 363 |
| Noncurrent loans to loans | 2.7312% | 363 |
| Net loans and leases to total assets | 69.2727% | 2,064 |
| Net loans and leases to deposits | 83.1745% | 2,000 |
| Net loans and leases to core deposits | 101.0904% | 1,086 |
| Total domestic deposits to total assets | 83.2859% | 3,066 |
| Equity capital to assets | 11.2887% | 2,158 |
| Core capital (leverage) ratio | 12.0151% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,196,000 | 4,314 |
| Average earning assets | $71,721,000 | 4,288 |
| Average equity | $8,988,000 | 4,322 |
| Average total loans | $56,088,750 | 3,999 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1413% | 633 |
| Cost of funding earning assets | 0.8888% | 1,427 |
| Net interest margin | 4.2525% | 822 |
| Noninterest income to average assets | 0.2436% | 4,023 |
| Noninterest expense to average assets | 2.2590% | 3,627 |
| Loan and lease loss provision to assets | 0.0415% | 3,757 |
| Net operating income to assets | 1.5060% | 914 |
| Return on assets (ROA) | 1.5060% | 988 |
| Pretax return on assets | 1.9960% | 549 |
| Return on Equity (ROE) | 12.3337% | 1,255 |
| Retained earnings to average equity (ytd only) | 12.3337% | 419 |
| Net charge-offs to loans | -0.0653% | 4,747 |
| Credit loss provision to net charge-offs | -83.3333% | 3,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5773% | 4,319 |
| Assets per employee ($millions) | 9.5008% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,139 |
| Loan loss allowance to noncurrent loans | 47.3248% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.1169% | 321 |
| Noncurrent loans to loans | 2.6901% | 410 |
| Net loans and leases to total assets | 75.8085% | 1,162 |
| Net loans and leases to deposits | 92.9294% | 1,059 |
| Net loans and leases to core deposits | 114.4801% | 583 |
| Total domestic deposits to total assets | 81.5765% | 3,480 |
| Equity capital to assets | 12.1372% | 1,579 |
| Core capital (leverage) ratio | 12.5813% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,245,000 | 4,368 |
| Average earning assets | $68,853,667 | 4,334 |
| Average equity | $8,821,333 | 4,359 |
| Average total loans | $55,123,333 | 4,032 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 1,162 |
| Cost of funding earning assets | 0.9551% | 1,631 |
| Net interest margin | 3.9579% | 1,505 |
| Noninterest income to average assets | 0.2615% | 3,972 |
| Noninterest expense to average assets | 2.3307% | 3,695 |
| Loan and lease loss provision to assets | 0.0455% | 3,208 |
| Net operating income to assets | 1.2563% | 1,365 |
| Return on assets (ROA) | 1.2563% | 1,464 |
| Pretax return on assets | 1.6542% | 937 |
| Return on Equity (ROE) | 10.2558% | 1,656 |
| Retained earnings to average equity (ytd only) | 10.2558% | 700 |
| Net charge-offs to loans | -0.0523% | 4,649 |
| Credit loss provision to net charge-offs | -114.2857% | 3,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8279% | 4,023 |
| Assets per employee ($millions) | 8.9440% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 1,928 |
| Loan loss allowance to noncurrent loans | 46.9560% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 2.2124% | 343 |
| Noncurrent loans to loans | 2.8679% | 386 |
| Net loans and leases to total assets | 74.2285% | 1,568 |
| Net loans and leases to deposits | 91.0715% | 1,396 |
| Net loans and leases to core deposits | 113.3153% | 693 |
| Total domestic deposits to total assets | 81.5058% | 3,543 |
| Equity capital to assets | 12.1380% | 1,969 |
| Core capital (leverage) ratio | 12.8805% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,364,500 | 4,407 |
| Average earning assets | $67,006,000 | 4,371 |
| Average equity | $8,619,500 | 4,403 |
| Average total loans | $53,504,000 | 4,081 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0757% | 1,270 |
| Cost of funding earning assets | 0.9666% | 1,875 |
| Net interest margin | 4.1092% | 1,516 |
| Noninterest income to average assets | 0.2864% | 3,968 |
| Noninterest expense to average assets | 2.4371% | 3,601 |
| Loan and lease loss provision to assets | 0.1061% | 1,957 |
| Net operating income to assets | 1.2564% | 1,848 |
| Return on assets (ROA) | 1.2564% | 1,929 |
| Pretax return on assets | 1.6156% | 1,440 |
| Return on Equity (ROE) | 9.9355% | 2,321 |
| Retained earnings to average equity (ytd only) | 6.4119% | 1,658 |
| Net charge-offs to loans | 0.0638% | 2,186 |
| Credit loss provision to net charge-offs | 218.7500% | 1,212 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 1,412 |
| Efficiency ratio | 58.6006% | 3,897 |
| Assets per employee ($millions) | 8.6471% | 562 |
| Cash dividends to net income (ytd only)* | 35.4644% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 1,759 |
| Loan loss allowance to noncurrent loans | 45.1142% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 2.3346% | 295 |
| Noncurrent loans to loans | 2.9640% | 323 |
| Net loans and leases to total assets | 75.8345% | 1,444 |
| Net loans and leases to deposits | 91.7037% | 1,404 |
| Net loans and leases to core deposits | 115.1297% | 630 |
| Total domestic deposits to total assets | 82.6951% | 3,308 |
| Equity capital to assets | 12.3654% | 1,908 |
| Core capital (leverage) ratio | 12.9259% | 1,268 |
| Tier 1 risk-based capital ratio | 17.6523% | 1,850 |
| Total risk-based capital ratio | 18.9035% | 1,806 |
| Memoranda: | ||
| Average total assets | $65,980,200 | 4,496 |
| Average earning assets | $62,178,200 | 4,475 |
| Average equity | $8,343,800 | 4,467 |
| Average total loans | $50,137,200 | 4,181 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 1,313 |
| Cost of funding earning assets | 0.9604% | 1,935 |
| Net interest margin | 4.1270% | 1,556 |
| Noninterest income to average assets | 0.2864% | 4,018 |
| Noninterest expense to average assets | 2.4771% | 3,500 |
| Loan and lease loss provision to assets | 0.1125% | 1,738 |
| Net operating income to assets | 1.2355% | 2,079 |
| Return on assets (ROA) | 1.2355% | 2,155 |
| Pretax return on assets | 1.5730% | 1,729 |
| Return on Equity (ROE) | 9.7128% | 2,564 |
| Retained earnings to average equity (ytd only) | 9.7128% | 828 |
| Net charge-offs to loans | 0.1161% | 1,323 |
| Credit loss provision to net charge-offs | 127.9070% | 1,849 |
| Earnings coverage of net charge-offs (x) | 19.1634% | 2,016 |
| Efficiency ratio | 59.5086% | 3,729 |
| Assets per employee ($millions) | 8.4879% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 1,758 |
| Loan loss allowance to noncurrent loans | 47.6356% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.2297% | 352 |
| Noncurrent loans to loans | 2.8388% | 368 |
| Net loans and leases to total assets | 73.5903% | 1,902 |
| Net loans and leases to deposits | 89.6114% | 1,743 |
| Net loans and leases to core deposits | 113.2875% | 784 |
| Total domestic deposits to total assets | 82.1216% | 3,444 |
| Equity capital to assets | 12.6813% | 1,787 |
| Core capital (leverage) ratio | 13.1196% | 1,298 |
| Tier 1 risk-based capital ratio | 18.7391% | 1,627 |
| Total risk-based capital ratio | 19.9899% | 1,594 |
| Memoranda: | ||
| Average total assets | $65,181,000 | 4,569 |
| Average earning assets | $61,221,000 | 4,547 |
| Average equity | $8,291,250 | 4,524 |
| Average total loans | $49,378,750 | 4,248 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1430% | 1,123 |
| Cost of funding earning assets | 0.9176% | 2,066 |
| Net interest margin | 4.2255% | 1,299 |
| Noninterest income to average assets | 0.2645% | 4,169 |
| Noninterest expense to average assets | 2.4894% | 3,514 |
| Loan and lease loss provision to assets | 0.1182% | 1,581 |
| Net operating income to assets | 1.2291% | 2,039 |
| Return on assets (ROA) | 1.2291% | 2,097 |
| Pretax return on assets | 1.6119% | 1,509 |
| Return on Equity (ROE) | 9.6522% | 2,556 |
| Retained earnings to average equity (ytd only) | 9.6522% | 863 |
| Net charge-offs to loans | -0.0286% | 4,666 |
| Credit loss provision to net charge-offs | -542.8571% | 4,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9971% | 3,862 |
| Assets per employee ($millions) | 8.6156% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,434 |
| Loan loss allowance to noncurrent loans | 111.4907% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 1,486 |
| Noncurrent loans to loans | 1.2978% | 1,216 |
| Net loans and leases to total assets | 70.9510% | 2,395 |
| Net loans and leases to deposits | 85.7060% | 2,287 |
| Net loans and leases to core deposits | 105.3808% | 1,284 |
| Total domestic deposits to total assets | 82.7842% | 3,278 |
| Equity capital to assets | 12.2568% | 2,016 |
| Core capital (leverage) ratio | 13.4764% | 1,127 |
| Tier 1 risk-based capital ratio | 18.5275% | 1,659 |
| Total risk-based capital ratio | 19.7807% | 1,622 |
| Memoranda: | ||
| Average total assets | $64,273,670 | 4,622 |
| Average earning assets | $60,159,000 | 4,602 |
| Average equity | $8,184,670 | 4,559 |
| Average total loans | $48,953,330 | 4,285 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2316% | 852 |
| Cost of funding earning assets | 0.8905% | 2,052 |
| Net interest margin | 4.3411% | 1,022 |
| Noninterest income to average assets | 0.3487% | 3,527 |
| Noninterest expense to average assets | 2.5957% | 3,226 |
| Loan and lease loss provision to assets | 0.0969% | 1,810 |
| Net operating income to assets | 1.2849% | 1,755 |
| Return on assets (ROA) | 1.2849% | 1,796 |
| Pretax return on assets | 1.6853% | 1,248 |
| Return on Equity (ROE) | 9.8845% | 2,415 |
| Retained earnings to average equity (ytd only) | 9.8845% | 1,061 |
| Net charge-offs to loans | -0.0165% | 4,415 |
| Credit loss provision to net charge-offs | -750.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2920% | 3,910 |
| Assets per employee ($millions) | 8.0475% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,575 |
| Loan loss allowance to noncurrent loans | 106.3174% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 1,388 |
| Noncurrent loans to loans | 1.3449% | 1,208 |
| Net loans and leases to total assets | 73.8832% | 1,831 |
| Net loans and leases to deposits | 90.0718% | 1,615 |
| Net loans and leases to core deposits | 98.9824% | 1,708 |
| Total domestic deposits to total assets | 82.0270% | 3,718 |
| Equity capital to assets | 12.7229% | 1,614 |
| Core capital (leverage) ratio | 13.5391% | 1,085 |
| Tier 1 risk-based capital ratio | 19.4963% | 1,440 |
| Total risk-based capital ratio | 20.7498% | 1,414 |
| Memoranda: | ||
| Average total assets | $61,948,000 | 4,707 |
| Average earning assets | $57,497,000 | 4,705 |
| Average equity | $8,053,000 | 4,614 |
| Average total loans | $48,619,500 | 4,333 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1102% | 824 |
| Cost of funding earning assets | 0.7692% | 1,692 |
| Net interest margin | 4.3410% | 1,060 |
| Noninterest income to average assets | 0.4809% | 2,940 |
| Noninterest expense to average assets | 2.6844% | 3,080 |
| Loan and lease loss provision to assets | 0.2025% | 931 |
| Net operating income to assets | 1.1895% | 2,224 |
| Return on assets (ROA) | 1.1895% | 2,221 |
| Pretax return on assets | 1.5742% | 1,539 |
| Return on Equity (ROE) | 9.1411% | 2,925 |
| Retained earnings to average equity (ytd only) | 6.0941% | 2,147 |
| Net charge-offs to loans | 0.0690% | 2,131 |
| Credit loss provision to net charge-offs | 375.0000% | 858 |
| Earnings coverage of net charge-offs (x) | 32.9063% | 1,509 |
| Efficiency ratio | 60.1740% | 3,828 |
| Assets per employee ($millions) | 7.4395% | 821 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 1,741 |
| Loan loss allowance to noncurrent loans | 97.3951% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.1997% | 1,090 |
| Noncurrent loans to loans | 1.4107% | 1,103 |
| Net loans and leases to total assets | 81.1714% | 786 |
| Net loans and leases to deposits | 100.1036% | 739 |
| Net loans and leases to core deposits | 115.9848% | 686 |
| Total domestic deposits to total assets | 81.0874% | 3,870 |
| Equity capital to assets | 13.2989% | 1,219 |
| Core capital (leverage) ratio | 13.9335% | 939 |
| Tier 1 risk-based capital ratio | 18.4485% | 1,628 |
| Total risk-based capital ratio | 19.7013% | 1,584 |
| Memoranda: | ||
| Average total assets | $59,269,200 | 4,775 |
| Average earning assets | $54,341,800 | 4,779 |
| Average equity | $7,712,400 | 4,647 |
| Average total loans | $46,405,000 | 4,390 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0510% | 840 |
| Cost of funding earning assets | 0.7384% | 1,629 |
| Net interest margin | 4.3125% | 1,089 |
| Noninterest income to average assets | 0.4954% | 2,900 |
| Noninterest expense to average assets | 2.7090% | 2,951 |
| Loan and lease loss provision to assets | 0.2027% | 853 |
| Net operating income to assets | 1.1597% | 2,411 |
| Return on assets (ROA) | 1.1597% | 2,413 |
| Pretax return on assets | 1.5290% | 1,809 |
| Return on Equity (ROE) | 8.9621% | 3,107 |
| Retained earnings to average equity (ytd only) | 8.9621% | 1,234 |
| Net charge-offs to loans | -0.0437% | 4,884 |
| Credit loss provision to net charge-offs | -600.0000% | 4,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0041% | 3,659 |
| Assets per employee ($millions) | 7.5296% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 1,540 |
| Loan loss allowance to noncurrent loans | 90.8971% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.2965% | 1,058 |
| Noncurrent loans to loans | 1.5888% | 1,001 |
| Net loans and leases to total assets | 78.0600% | 1,333 |
| Net loans and leases to deposits | 96.2047% | 1,132 |
| Net loans and leases to core deposits | 115.5080% | 737 |
| Total domestic deposits to total assets | 81.1395% | 3,830 |
| Equity capital to assets | 13.1115% | 1,286 |
| Core capital (leverage) ratio | 14.3377% | 853 |
| Tier 1 risk-based capital ratio | 18.7273% | 1,609 |
| Total risk-based capital ratio | 19.9799% | 1,573 |
| Memoranda: | ||
| Average total assets | $59,207,500 | 4,831 |
| Average earning assets | $54,166,500 | 4,835 |
| Average equity | $7,661,750 | 4,703 |
| Average total loans | $45,760,500 | 4,462 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0129% | 791 |
| Cost of funding earning assets | 0.7278% | 1,483 |
| Net interest margin | 4.2851% | 1,063 |
| Noninterest income to average assets | 0.4893% | 2,923 |
| Noninterest expense to average assets | 2.7181% | 2,949 |
| Loan and lease loss provision to assets | 0.2039% | 834 |
| Net operating income to assets | 1.1280% | 2,485 |
| Return on assets (ROA) | 1.1280% | 2,490 |
| Pretax return on assets | 1.4882% | 1,857 |
| Return on Equity (ROE) | 8.7564% | 3,144 |
| Retained earnings to average equity (ytd only) | 8.7564% | 1,302 |
| Net charge-offs to loans | -0.0665% | 5,021 |
| Credit loss provision to net charge-offs | -400.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6333% | 3,677 |
| Assets per employee ($millions) | 6.4301% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 1,591 |
| Loan loss allowance to noncurrent loans | 76.0970% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.6364% | 773 |
| Noncurrent loans to loans | 1.8945% | 816 |
| Net loans and leases to total assets | 77.8490% | 1,339 |
| Net loans and leases to deposits | 92.5168% | 1,520 |
| Net loans and leases to core deposits | 113.2472% | 823 |
| Total domestic deposits to total assets | 84.1458% | 3,008 |
| Equity capital to assets | 13.3763% | 1,147 |
| Core capital (leverage) ratio | 14.2525% | 835 |
| Tier 1 risk-based capital ratio | 18.6854% | 1,628 |
| Total risk-based capital ratio | 19.9380% | 1,593 |
| Memoranda: | ||
| Average total assets | $58,864,330 | 4,892 |
| Average earning assets | $53,861,330 | 4,897 |
| Average equity | $7,583,000 | 4,764 |
| Average total loans | $45,110,670 | 4,520 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9406% | 796 |
| Cost of funding earning assets | 0.6995% | 1,448 |
| Net interest margin | 4.2411% | 1,075 |
| Noninterest income to average assets | 0.5121% | 2,737 |
| Noninterest expense to average assets | 2.7493% | 2,875 |
| Loan and lease loss provision to assets | 0.2022% | 825 |
| Net operating income to assets | 1.0916% | 2,461 |
| Return on assets (ROA) | 1.0916% | 2,475 |
| Pretax return on assets | 1.4420% | 1,860 |
| Return on Equity (ROE) | 8.6354% | 3,095 |
| Retained earnings to average equity (ytd only) | 8.6354% | 1,607 |
| Net charge-offs to loans | -0.1428% | 5,306 |
| Credit loss provision to net charge-offs | -187.5000% | 3,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5767% | 3,692 |
| Assets per employee ($millions) | 6.4034% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 1,814 |
| Loan loss allowance to noncurrent loans | 69.3407% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.7248% | 732 |
| Noncurrent loans to loans | 2.0290% | 777 |
| Net loans and leases to total assets | 76.7278% | 1,421 |
| Net loans and leases to deposits | 91.2221% | 1,532 |
| Net loans and leases to core deposits | 108.5848% | 1,081 |
| Total domestic deposits to total assets | 84.1110% | 3,281 |
| Equity capital to assets | 13.1318% | 1,179 |
| Core capital (leverage) ratio | 13.6020% | 979 |
| Tier 1 risk-based capital ratio | 18.3400% | 1,734 |
| Total risk-based capital ratio | 19.5909% | 1,701 |
| Memoranda: | ||
| Average total assets | $59,361,000 | 4,943 |
| Average earning assets | $54,325,000 | 4,951 |
| Average equity | $7,504,000 | 4,820 |
| Average total loans | $44,810,500 | 4,570 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8469% | 897 |
| Cost of funding earning assets | 0.8141% | 575 |
| Net interest margin | 4.0327% | 1,647 |
| Noninterest income to average assets | 0.4432% | 3,349 |
| Noninterest expense to average assets | 2.5390% | 3,642 |
| Loan and lease loss provision to assets | 0.2666% | 675 |
| Net operating income to assets | 0.9630% | 2,390 |
| Return on assets (ROA) | 0.9630% | 2,426 |
| Pretax return on assets | 1.3511% | 2,169 |
| Return on Equity (ROE) | 7.9465% | 2,819 |
| Retained earnings to average equity (ytd only) | 5.6368% | 1,749 |
| Net charge-offs to loans | 0.9529% | 197 |
| Credit loss provision to net charge-offs | 37.9147% | 3,458 |
| Earnings coverage of net charge-offs (x) | 2.3009% | 3,763 |
| Efficiency ratio | 61.0822% | 4,102 |
| Assets per employee ($millions) | 6.7879% | 1,061 |
| Cash dividends to net income (ytd only)* | 29.0657% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 2,182 |
| Loan loss allowance to noncurrent loans | 82.1629% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.3930% | 1,012 |
| Noncurrent loans to loans | 1.5903% | 1,056 |
| Net loans and leases to total assets | 72.3282% | 2,174 |
| Net loans and leases to deposits | 84.7124% | 2,412 |
| Net loans and leases to core deposits | 99.4396% | 1,756 |
| Total domestic deposits to total assets | 85.3808% | 2,697 |
| Equity capital to assets | 12.1786% | 1,713 |
| Core capital (leverage) ratio | 12.7197% | 1,258 |
| Tier 1 risk-based capital ratio | 17.3320% | 1,984 |
| Total risk-based capital ratio | 18.5818% | 1,940 |
| Memoranda: | ||
| Average total assets | $60,023,200 | 4,967 |
| Average earning assets | $55,272,600 | 4,972 |
| Average equity | $7,273,600 | 4,898 |
| Average total loans | $44,286,000 | 4,609 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8243% | 881 |
| Cost of funding earning assets | 0.8290% | 494 |
| Net interest margin | 3.9953% | 1,720 |
| Noninterest income to average assets | 0.4307% | 3,471 |
| Noninterest expense to average assets | 2.6488% | 3,249 |
| Loan and lease loss provision to assets | 0.2901% | 547 |
| Net operating income to assets | 0.7944% | 3,542 |
| Return on assets (ROA) | 0.7944% | 3,593 |
| Pretax return on assets | 1.1805% | 2,984 |
| Return on Equity (ROE) | 6.5809% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.5809% | 1,923 |
| Net charge-offs to loans | -0.0272% | 4,970 |
| Credit loss provision to net charge-offs | -1,444.4444% | 5,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3012% | 3,487 |
| Assets per employee ($millions) | 7.5876% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1769% | 425 |
| Loan loss allowance to noncurrent loans | 72.9830% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 2.4612% | 444 |
| Noncurrent loans to loans | 2.9828% | 433 |
| Net loans and leases to total assets | 72.9922% | 2,102 |
| Net loans and leases to deposits | 85.6406% | 2,348 |
| Net loans and leases to core deposits | 111.6242% | 940 |
| Total domestic deposits to total assets | 85.2309% | 2,627 |
| Equity capital to assets | 12.1991% | 1,835 |
| Core capital (leverage) ratio | 12.7828% | 1,302 |
| Tier 1 risk-based capital ratio | 16.9818% | 2,158 |
| Total risk-based capital ratio | 18.2416% | 2,112 |
| Memoranda: | ||
| Average total assets | $59,748,000 | 5,026 |
| Average earning assets | $55,163,750 | 5,026 |
| Average equity | $7,212,500 | 4,959 |
| Average total loans | $44,164,750 | 4,658 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 851 |
| Cost of funding earning assets | 0.8304% | 445 |
| Net interest margin | 3.9770% | 1,687 |
| Noninterest income to average assets | 0.4072% | 3,647 |
| Noninterest expense to average assets | 2.6518% | 3,260 |
| Loan and lease loss provision to assets | 0.2692% | 593 |
| Net operating income to assets | 0.7841% | 3,467 |
| Return on assets (ROA) | 0.7841% | 3,527 |
| Pretax return on assets | 1.1610% | 2,927 |
| Return on Equity (ROE) | 6.5190% | 3,815 |
| Retained earnings to average equity (ytd only) | 6.5190% | 1,834 |
| Net charge-offs to loans | -0.0457% | 5,139 |
| Credit loss provision to net charge-offs | -800.0000% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9629% | 3,507 |
| Assets per employee ($millions) | 7.4823% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1417% | 471 |
| Loan loss allowance to noncurrent loans | 89.0684% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.8962% | 700 |
| Noncurrent loans to loans | 2.4045% | 648 |
| Net loans and leases to total assets | 71.5259% | 2,274 |
| Net loans and leases to deposits | 83.8668% | 2,501 |
| Net loans and leases to core deposits | 111.1619% | 944 |
| Total domestic deposits to total assets | 85.2852% | 2,703 |
| Equity capital to assets | 12.2507% | 1,760 |
| Core capital (leverage) ratio | 12.4987% | 1,368 |
| Tier 1 risk-based capital ratio | 16.8695% | 2,186 |
| Total risk-based capital ratio | 18.1297% | 2,147 |
| Memoranda: | ||
| Average total assets | $59,430,330 | 5,069 |
| Average earning assets | $54,915,330 | 5,069 |
| Average equity | $7,148,330 | 4,995 |
| Average total loans | $43,788,670 | 4,691 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 933 |
| Cost of funding earning assets | 0.8375% | 392 |
| Net interest margin | 3.8670% | 1,899 |
| Noninterest income to average assets | 0.3850% | 3,774 |
| Noninterest expense to average assets | 2.7357% | 3,011 |
| Loan and lease loss provision to assets | 0.2702% | 537 |
| Net operating income to assets | 0.6485% | 3,941 |
| Return on assets (ROA) | 0.6485% | 3,975 |
| Pretax return on assets | 0.9659% | 3,514 |
| Return on Equity (ROE) | 5.4422% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.4422% | 2,633 |
| Net charge-offs to loans | -0.0274% | 4,890 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8776% | 3,067 |
| Assets per employee ($millions) | 7.4555% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0117% | 656 |
| Loan loss allowance to noncurrent loans | 83.4897% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 2.0337% | 648 |
| Noncurrent loans to loans | 2.4095% | 667 |
| Net loans and leases to total assets | 72.6829% | 1,972 |
| Net loans and leases to deposits | 83.1116% | 2,382 |
| Net loans and leases to core deposits | 111.9111% | 778 |
| Total domestic deposits to total assets | 87.4522% | 2,014 |
| Equity capital to assets | 11.9375% | 1,885 |
| Core capital (leverage) ratio | 12.1321% | 1,548 |
| Tier 1 risk-based capital ratio | 16.2436% | 2,456 |
| Total risk-based capital ratio | 17.5018% | 2,395 |
| Memoranda: | ||
| Average total assets | $59,216,500 | 5,128 |
| Average earning assets | $54,926,000 | 5,124 |
| Average equity | $7,056,000 | 5,051 |
| Average total loans | $43,807,500 | 4,733 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7780% | 923 |
| Cost of funding earning assets | 0.8700% | 346 |
| Net interest margin | 3.9079% | 1,939 |
| Noninterest income to average assets | 4.3615% | 137 |
| Noninterest expense to average assets | 2.5624% | 3,803 |
| Loan and lease loss provision to assets | 1.5364% | 58 |
| Net operating income to assets | 2.3255% | 190 |
| Return on assets (ROA) | 2.3479% | 189 |
| Pretax return on assets | 3.8677% | 69 |
| Return on Equity (ROE) | 22.1657% | 140 |
| Retained earnings to average equity (ytd only) | 20.5802% | 43 |
| Net charge-offs to loans | 4.3274% | 17 |
| Credit loss provision to net charge-offs | 50.7971% | 3,367 |
| Earnings coverage of net charge-offs (x) | 1.7752% | 3,943 |
| Efficiency ratio | 32.3061% | 5,856 |
| Assets per employee ($millions) | 7.3486% | 777 |
| Cash dividends to net income (ytd only)* | 7.1530% | 4,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 722 |
| Loan loss allowance to noncurrent loans | 71.5612% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 2.2215% | 588 |
| Noncurrent loans to loans | 2.7321% | 544 |
| Net loans and leases to total assets | 72.3367% | 2,119 |
| Net loans and leases to deposits | 82.7579% | 2,582 |
| Net loans and leases to core deposits | 112.3748% | 763 |
| Total domestic deposits to total assets | 87.4075% | 1,928 |
| Equity capital to assets | 11.8934% | 1,884 |
| Core capital (leverage) ratio | 11.9094% | 1,659 |
| Tier 1 risk-based capital ratio | 16.9721% | 2,169 |
| Total risk-based capital ratio | 18.2315% | 2,115 |
| Memoranda: | ||
| Average total assets | $60,139,800 | 5,137 |
| Average earning assets | $54,939,400 | 5,150 |
| Average equity | $6,370,200 | 5,217 |
| Average total loans | $42,034,800 | 4,815 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 907 |
| Cost of funding earning assets | 0.8800% | 321 |
| Net interest margin | 3.9152% | 1,922 |
| Noninterest income to average assets | 5.6042% | 112 |
| Noninterest expense to average assets | 2.4339% | 4,180 |
| Loan and lease loss provision to assets | 1.9489% | 41 |
| Net operating income to assets | 2.8783% | 98 |
| Return on assets (ROA) | 2.9079% | 101 |
| Pretax return on assets | 4.8281% | 55 |
| Return on Equity (ROE) | 28.2975% | 50 |
| Retained earnings to average equity (ytd only) | 28.2975% | 17 |
| Net charge-offs to loans | 5.8160% | 2 |
| Credit loss provision to net charge-offs | 48.5981% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.6784% | 3,667 |
| Efficiency ratio | 26.5576% | 5,946 |
| Assets per employee ($millions) | 7.5716% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9274% | 819 |
| Loan loss allowance to noncurrent loans | 56.4336% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.4516% | 562 |
| Noncurrent loans to loans | 3.4154% | 386 |
| Net loans and leases to total assets | 67.7893% | 2,823 |
| Net loans and leases to deposits | 83.3154% | 2,569 |
| Net loans and leases to core deposits | 114.9327% | 692 |
| Total domestic deposits to total assets | 81.3646% | 4,144 |
| Equity capital to assets | 11.8039% | 2,253 |
| Core capital (leverage) ratio | 12.5242% | 1,391 |
| Tier 1 risk-based capital ratio | 17.6963% | 2,008 |
| Total risk-based capital ratio | 18.9544% | 1,963 |
| Memoranda: | ||
| Average total assets | $60,477,500 | 5,178 |
| Average earning assets | $54,997,750 | 5,192 |
| Average equity | $6,214,750 | 5,297 |
| Average total loans | $41,700,000 | 4,866 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 1,061 |
| Cost of funding earning assets | 0.8850% | 314 |
| Net interest margin | 3.8096% | 2,277 |
| Noninterest income to average assets | 0.4070% | 3,824 |
| Noninterest expense to average assets | 2.2268% | 4,782 |
| Loan and lease loss provision to assets | 0.6419% | 174 |
| Net operating income to assets | 0.6007% | 4,266 |
| Return on assets (ROA) | 0.6452% | 4,208 |
| Pretax return on assets | 1.1117% | 3,155 |
| Return on Equity (ROE) | 6.6068% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.6068% | 1,811 |
| Net charge-offs to loans | 5.5134% | 13 |
| Credit loss provision to net charge-offs | 16.8990% | 2,955 |
| Earnings coverage of net charge-offs (x) | 0.4434% | 3,519 |
| Efficiency ratio | 56.9374% | 5,035 |
| Assets per employee ($millions) | 7.3031% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8843% | 920 |
| Loan loss allowance to noncurrent loans | 32.3083% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 4.2687% | 192 |
| Noncurrent loans to loans | 5.8323% | 131 |
| Net loans and leases to total assets | 70.2285% | 2,444 |
| Net loans and leases to deposits | 81.5320% | 2,759 |
| Net loans and leases to core deposits | 112.6328% | 785 |
| Total domestic deposits to total assets | 86.1361% | 2,356 |
| Equity capital to assets | 10.3346% | 3,813 |
| Core capital (leverage) ratio | 9.3924% | 4,346 |
| Tier 1 risk-based capital ratio | 13.1858% | 4,083 |
| Total risk-based capital ratio | 14.4496% | 3,992 |
| Memoranda: | ||
| Average total assets | $60,445,670 | 5,234 |
| Average earning assets | $55,595,670 | 5,234 |
| Average equity | $5,903,000 | 5,403 |
| Average total loans | $41,643,670 | 4,911 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6654% | 1,118 |
| Cost of funding earning assets | 0.8748% | 327 |
| Net interest margin | 3.7907% | 2,321 |
| Noninterest income to average assets | 0.2213% | 5,154 |
| Noninterest expense to average assets | 2.0828% | 5,148 |
| Loan and lease loss provision to assets | 0.3905% | 361 |
| Net operating income to assets | 0.6834% | 3,799 |
| Return on assets (ROA) | 0.6834% | 3,912 |
| Pretax return on assets | 1.2171% | 2,631 |
| Return on Equity (ROE) | 7.1973% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.1973% | 1,790 |
| Net charge-offs to loans | 8.9614% | 5 |
| Credit loss provision to net charge-offs | 6.4447% | 2,386 |
| Earnings coverage of net charge-offs (x) | 0.2653% | 2,947 |
| Efficiency ratio | 56.4374% | 5,155 |
| Assets per employee ($millions) | 8.8739% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1667% | 618 |
| Loan loss allowance to noncurrent loans | 18.0893% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 7.8400% | 72 |
| Noncurrent loans to loans | 11.9779% | 28 |
| Net loans and leases to total assets | 63.3128% | 3,344 |
| Net loans and leases to deposits | 70.5233% | 3,811 |
| Net loans and leases to core deposits | 84.0701% | 2,935 |
| Total domestic deposits to total assets | 89.7757% | 692 |
| Equity capital to assets | 9.5224% | 4,647 |
| Core capital (leverage) ratio | 9.0644% | 4,780 |
| Tier 1 risk-based capital ratio | 12.1513% | 4,813 |
| Total risk-based capital ratio | 13.4155% | 4,703 |
| Memoranda: | ||
| Average total assets | $61,456,000 | 5,256 |
| Average earning assets | $56,243,500 | 5,260 |
| Average equity | $5,835,500 | 5,447 |
| Average total loans | $41,556,000 | 4,948 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 2,362 |
| Cost of funding earning assets | 0.7926% | 507 |
| Net interest margin | 3.4648% | 3,656 |
| Noninterest income to average assets | 0.2881% | 4,830 |
| Noninterest expense to average assets | 7.3957% | 126 |
| Loan and lease loss provision to assets | 1.8889% | 33 |
| Net operating income to assets | -3.6130% | 6,171 |
| Return on assets (ROA) | -3.6130% | 6,171 |
| Pretax return on assets | -5.7565% | 6,178 |
| Return on Equity (ROE) | -30.2717% | 6,154 |
| Retained earnings to average equity (ytd only) | -30.2717% | 6,146 |
| Net charge-offs to loans | 0.1221% | 2,152 |
| Credit loss provision to net charge-offs | 2,269.2308% | 151 |
| Earnings coverage of net charge-offs (x) | -46.4615% | 4,450 |
| Efficiency ratio | 209.6189% | 11 |
| Assets per employee ($millions) | 10.1488% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6889% | 107 |
| Loan loss allowance to noncurrent loans | 24.2049% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 10.8305% | 47 |
| Noncurrent loans to loans | 15.2401% | 17 |
| Net loans and leases to total assets | 67.8732% | 2,719 |
| Net loans and leases to deposits | 76.5016% | 3,195 |
| Net loans and leases to core deposits | 91.7731% | 2,247 |
| Total domestic deposits to total assets | 88.7212% | 1,274 |
| Equity capital to assets | 9.6136% | 4,424 |
| Core capital (leverage) ratio | 9.7668% | 3,817 |
| Tier 1 risk-based capital ratio | 13.2803% | 4,115 |
| Total risk-based capital ratio | 14.5569% | 4,050 |
| Memoranda: | ||
| Average total assets | $62,468,800 | 5,260 |
| Average earning assets | $58,415,800 | 5,228 |
| Average equity | $7,455,800 | 5,160 |
| Average total loans | $42,577,000 | 4,916 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7797% | 967 |
| Cost of funding earning assets | 0.7657% | 604 |
| Net interest margin | 4.0139% | 1,655 |
| Noninterest income to average assets | 0.3054% | 4,755 |
| Noninterest expense to average assets | 8.9781% | 94 |
| Loan and lease loss provision to assets | 0.1909% | 1,063 |
| Net operating income to assets | -3.1306% | 6,250 |
| Return on assets (ROA) | -3.1306% | 6,253 |
| Pretax return on assets | -5.0946% | 6,263 |
| Return on Equity (ROE) | -25.0495% | 6,233 |
| Retained earnings to average equity (ytd only) | -25.0495% | 6,221 |
| Net charge-offs to loans | 0.1851% | 1,378 |
| Credit loss provision to net charge-offs | 152.5424% | 1,653 |
| Earnings coverage of net charge-offs (x) | -39.1888% | 4,168 |
| Efficiency ratio | 220.3540% | 12 |
| Assets per employee ($millions) | 8.9111% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 4,025 |
| Loan loss allowance to noncurrent loans | 119.4103% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7406% | 3,057 |
| Noncurrent loans to loans | 0.9511% | 2,599 |
| Net loans and leases to total assets | 67.8236% | 2,701 |
| Net loans and leases to deposits | 76.6070% | 3,233 |
| Net loans and leases to core deposits | 92.3310% | 2,233 |
| Total domestic deposits to total assets | 88.5344% | 1,283 |
| Equity capital to assets | 10.6063% | 3,465 |
| Core capital (leverage) ratio | 10.5847% | 2,943 |
| Tier 1 risk-based capital ratio | 15.8231% | 2,884 |
| Total risk-based capital ratio | 16.9535% | 2,885 |
| Memoranda: | ||
| Average total assets | $62,862,750 | 5,311 |
| Average earning assets | $59,026,250 | 5,272 |
| Average equity | $7,856,250 | 5,152 |
| Average total loans | $42,493,000 | 4,970 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 941 |
| Cost of funding earning assets | 0.7282% | 727 |
| Net interest margin | 4.0439% | 1,512 |
| Noninterest income to average assets | 0.2697% | 5,024 |
| Noninterest expense to average assets | 2.0278% | 5,476 |
| Loan and lease loss provision to assets | 0.1904% | 1,050 |
| Net operating income to assets | 1.1043% | 1,937 |
| Return on assets (ROA) | 1.1043% | 2,025 |
| Pretax return on assets | 1.8755% | 775 |
| Return on Equity (ROE) | 8.4163% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.4163% | 1,112 |
| Net charge-offs to loans | 0.3114% | 849 |
| Credit loss provision to net charge-offs | 90.9091% | 2,189 |
| Earnings coverage of net charge-offs (x) | 9.8636% | 2,413 |
| Efficiency ratio | 49.5349% | 5,874 |
| Assets per employee ($millions) | 7.9664% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 4,870 |
| Loan loss allowance to noncurrent loans | 347.2868% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 4,720 |
| Noncurrent loans to loans | 0.2881% | 4,652 |
| Net loans and leases to total assets | 69.5486% | 2,396 |
| Net loans and leases to deposits | 80.9497% | 2,675 |
| Net loans and leases to core deposits | 94.5962% | 1,903 |
| Total domestic deposits to total assets | 85.9158% | 2,734 |
| Equity capital to assets | 13.2071% | 1,299 |
| Core capital (leverage) ratio | 13.5842% | 962 |
| Tier 1 risk-based capital ratio | 19.3614% | 1,708 |
| Total risk-based capital ratio | 20.3667% | 1,738 |
| Memoranda: | ||
| Average total assets | $63,024,330 | 5,371 |
| Average earning assets | $59,595,670 | 5,314 |
| Average equity | $8,269,670 | 5,111 |
| Average total loans | $42,393,000 | 5,016 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 1,132 |
| Cost of funding earning assets | 0.6877% | 908 |
| Net interest margin | 3.9576% | 1,696 |
| Noninterest income to average assets | 0.2617% | 5,086 |
| Noninterest expense to average assets | 2.0296% | 5,522 |
| Loan and lease loss provision to assets | 0.1915% | 981 |
| Net operating income to assets | 1.1042% | 1,857 |
| Return on assets (ROA) | 1.1042% | 1,961 |
| Pretax return on assets | 1.7871% | 884 |
| Return on Equity (ROE) | 8.4431% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.4431% | 1,398 |
| Net charge-offs to loans | -0.0388% | 5,390 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6369% | 5,876 |
| Assets per employee ($millions) | 7.9761% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 4,236 |
| Loan loss allowance to noncurrent loans | 161.9205% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 3,798 |
| Noncurrent loans to loans | 0.7133% | 3,486 |
| Net loans and leases to total assets | 65.5895% | 2,840 |
| Net loans and leases to deposits | 76.1250% | 3,038 |
| Net loans and leases to core deposits | 87.3099% | 2,401 |
| Total domestic deposits to total assets | 86.1603% | 2,857 |
| Equity capital to assets | 13.0342% | 1,381 |
| Core capital (leverage) ratio | 13.2812% | 1,058 |
| Tier 1 risk-based capital ratio | 21.0047% | 1,425 |
| Total risk-based capital ratio | 22.2203% | 1,407 |
| Memoranda: | ||
| Average total assets | $62,671,000 | 5,435 |
| Average earning assets | $59,329,500 | 5,376 |
| Average equity | $8,196,000 | 5,165 |
| Average total loans | $41,203,500 | 5,097 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5469% | 1,704 |
| Cost of funding earning assets | 0.7201% | 1,006 |
| Net interest margin | 3.8268% | 2,521 |
| Noninterest income to average assets | 0.2741% | 5,157 |
| Noninterest expense to average assets | 1.8821% | 5,962 |
| Loan and lease loss provision to assets | 0.1981% | 1,286 |
| Net operating income to assets | 1.2916% | 1,321 |
| Return on assets (ROA) | 1.3059% | 1,340 |
| Pretax return on assets | 1.8111% | 776 |
| Return on Equity (ROE) | 10.2941% | 1,987 |
| Retained earnings to average equity (ytd only) | 7.1187% | 1,345 |
| Net charge-offs to loans | 0.0157% | 4,558 |
| Credit loss provision to net charge-offs | 2,000.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 200.8333% | 267 |
| Efficiency ratio | 48.6141% | 6,162 |
| Assets per employee ($millions) | 7.6916% | 603 |
| Cash dividends to net income (ytd only)* | 30.8470% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 4,363 |
| Loan loss allowance to noncurrent loans | 120.6897% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 3,467 |
| Noncurrent loans to loans | 0.9409% | 2,969 |
| Net loans and leases to total assets | 64.3736% | 3,163 |
| Net loans and leases to deposits | 75.2903% | 3,278 |
| Net loans and leases to core deposits | 91.5713% | 2,139 |
| Total domestic deposits to total assets | 85.5005% | 3,081 |
| Equity capital to assets | 13.1230% | 1,307 |
| Core capital (leverage) ratio | 13.4659% | 980 |
| Tier 1 risk-based capital ratio | 20.5180% | 1,505 |
| Total risk-based capital ratio | 21.6456% | 1,494 |
| Memoranda: | ||
| Average total assets | $60,571,800 | 5,536 |
| Average earning assets | $56,939,800 | 5,490 |
| Average equity | $7,684,000 | 5,274 |
| Average total loans | $38,288,800 | 5,242 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5356% | 1,747 |
| Cost of funding earning assets | 0.7159% | 1,073 |
| Net interest margin | 3.8197% | 2,542 |
| Noninterest income to average assets | 0.2608% | 5,347 |
| Noninterest expense to average assets | 2.0089% | 5,758 |
| Loan and lease loss provision to assets | 0.1989% | 1,199 |
| Net operating income to assets | 1.0062% | 2,424 |
| Return on assets (ROA) | 1.0232% | 2,409 |
| Pretax return on assets | 1.6641% | 1,149 |
| Return on Equity (ROE) | 8.1374% | 3,132 |
| Retained earnings to average equity (ytd only) | 8.1374% | 1,295 |
| Net charge-offs to loans | -0.0634% | 6,002 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2414% | 5,975 |
| Assets per employee ($millions) | 7.5806% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 4,655 |
| Loan loss allowance to noncurrent loans | 143.1310% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6068% | 4,022 |
| Noncurrent loans to loans | 0.7828% | 3,625 |
| Net loans and leases to total assets | 65.1925% | 2,997 |
| Net loans and leases to deposits | 75.9913% | 3,182 |
| Net loans and leases to core deposits | 92.9035% | 1,964 |
| Total domestic deposits to total assets | 85.7894% | 2,964 |
| Equity capital to assets | 12.9937% | 1,427 |
| Core capital (leverage) ratio | 13.5668% | 976 |
| Tier 1 risk-based capital ratio | 20.5532% | 1,537 |
| Total risk-based capital ratio | 21.6767% | 1,533 |
| Memoranda: | ||
| Average total assets | $60,331,500 | 5,601 |
| Average earning assets | $56,617,750 | 5,554 |
| Average equity | $7,586,250 | 5,336 |
| Average total loans | $37,844,500 | 5,306 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 1,978 |
| Cost of funding earning assets | 0.7252% | 1,049 |
| Net interest margin | 3.7292% | 2,844 |
| Noninterest income to average assets | 0.2358% | 5,513 |
| Noninterest expense to average assets | 2.0522% | 5,721 |
| Loan and lease loss provision to assets | 0.1992% | 1,213 |
| Net operating income to assets | 0.9264% | 2,674 |
| Return on assets (ROA) | 0.9497% | 2,647 |
| Pretax return on assets | 1.5043% | 1,525 |
| Return on Equity (ROE) | 7.6386% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.6386% | 1,457 |
| Net charge-offs to loans | -0.0592% | 5,947 |
| Credit loss provision to net charge-offs | -545.4545% | 5,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1786% | 5,819 |
| Assets per employee ($millions) | 7.5164% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 4,974 |
| Loan loss allowance to noncurrent loans | 128.0374% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 4,095 |
| Noncurrent loans to loans | 0.8462% | 3,592 |
| Net loans and leases to total assets | 62.4038% | 3,340 |
| Net loans and leases to deposits | 72.3508% | 3,530 |
| Net loans and leases to core deposits | 83.1188% | 2,841 |
| Total domestic deposits to total assets | 86.2517% | 2,893 |
| Equity capital to assets | 12.7987% | 1,491 |
| Core capital (leverage) ratio | 13.1268% | 1,118 |
| Tier 1 risk-based capital ratio | 21.5462% | 1,338 |
| Total risk-based capital ratio | 22.6507% | 1,338 |
| Memoranda: | ||
| Average total assets | $60,227,000 | 5,654 |
| Average earning assets | $56,259,330 | 5,609 |
| Average equity | $7,488,330 | 5,382 |
| Average total loans | $37,131,330 | 5,371 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4047% | 2,118 |
| Cost of funding earning assets | 0.7365% | 1,037 |
| Net interest margin | 3.6683% | 2,998 |
| Noninterest income to average assets | 0.2256% | 5,550 |
| Noninterest expense to average assets | 2.0041% | 5,875 |
| Loan and lease loss provision to assets | 0.1991% | 1,173 |
| Net operating income to assets | 0.9198% | 2,551 |
| Return on assets (ROA) | 0.9623% | 2,416 |
| Pretax return on assets | 1.5263% | 1,349 |
| Return on Equity (ROE) | 7.8543% | 3,010 |
| Retained earnings to average equity (ytd only) | 7.8543% | 1,653 |
| Net charge-offs to loans | -0.0545% | 5,835 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7101% | 5,951 |
| Assets per employee ($millions) | 7.6130% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 5,437 |
| Loan loss allowance to noncurrent loans | 121.3592% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 4,358 |
| Noncurrent loans to loans | 0.8419% | 3,782 |
| Net loans and leases to total assets | 59.6463% | 3,616 |
| Net loans and leases to deposits | 68.5467% | 3,793 |
| Net loans and leases to core deposits | 85.7537% | 2,351 |
| Total domestic deposits to total assets | 87.0156% | 2,799 |
| Equity capital to assets | 12.3030% | 1,686 |
| Core capital (leverage) ratio | 12.7839% | 1,253 |
| Tier 1 risk-based capital ratio | 21.2366% | 1,428 |
| Total risk-based capital ratio | 22.2474% | 1,454 |
| Memoranda: | ||
| Average total assets | $60,275,000 | 5,703 |
| Average earning assets | $56,484,500 | 5,649 |
| Average equity | $7,384,500 | 5,435 |
| Average total loans | $36,729,500 | 5,441 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 2,649 |
| Cost of funding earning assets | 0.7923% | 1,254 |
| Net interest margin | 3.5903% | 3,502 |
| Noninterest income to average assets | 0.2395% | 5,635 |
| Noninterest expense to average assets | 1.9059% | 6,182 |
| Loan and lease loss provision to assets | 0.2428% | 1,485 |
| Net operating income to assets | 0.8777% | 2,894 |
| Return on assets (ROA) | 0.8809% | 2,963 |
| Pretax return on assets | 1.4353% | 1,668 |
| Return on Equity (ROE) | 7.2758% | 3,417 |
| Retained earnings to average equity (ytd only) | 4.0252% | 3,325 |
| Net charge-offs to loans | 1.2889% | 396 |
| Credit loss provision to net charge-offs | 31.7982% | 4,217 |
| Earnings coverage of net charge-offs (x) | 2.1908% | 4,298 |
| Efficiency ratio | 53.2522% | 6,197 |
| Assets per employee ($millions) | 7.4558% | 612 |
| Cash dividends to net income (ytd only)* | 44.6768% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 5,841 |
| Loan loss allowance to noncurrent loans | 108.2803% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 4,384 |
| Noncurrent loans to loans | 0.8543% | 3,844 |
| Net loans and leases to total assets | 61.0552% | 3,526 |
| Net loans and leases to deposits | 70.3343% | 3,740 |
| Net loans and leases to core deposits | 87.9489% | 2,251 |
| Total domestic deposits to total assets | 86.8072% | 2,828 |
| Equity capital to assets | 12.1986% | 1,682 |
| Core capital (leverage) ratio | 12.9328% | 1,167 |
| Tier 1 risk-based capital ratio | 21.0360% | 1,413 |
| Total risk-based capital ratio | 21.9610% | 1,459 |
| Memoranda: | ||
| Average total assets | $59,710,800 | 5,762 |
| Average earning assets | $55,538,000 | 5,713 |
| Average equity | $7,229,400 | 5,509 |
| Average total loans | $35,377,800 | 5,518 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 2,950 |
| Cost of funding earning assets | 0.8012% | 1,317 |
| Net interest margin | 3.5069% | 3,853 |
| Noninterest income to average assets | 0.2433% | 5,695 |
| Noninterest expense to average assets | 1.9823% | 6,045 |
| Loan and lease loss provision to assets | 0.2009% | 1,806 |
| Net operating income to assets | 0.8351% | 3,164 |
| Return on assets (ROA) | 0.8394% | 3,277 |
| Pretax return on assets | 1.3305% | 2,211 |
| Return on Equity (ROE) | 6.9457% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.9457% | 1,904 |
| Net charge-offs to loans | 1.6289% | 264 |
| Credit loss provision to net charge-offs | 21.0280% | 4,058 |
| Earnings coverage of net charge-offs (x) | 1.5958% | 4,306 |
| Efficiency ratio | 56.5245% | 5,848 |
| Assets per employee ($millions) | 7.4466% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 6,153 |
| Loan loss allowance to noncurrent loans | 116.7910% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 4,792 |
| Noncurrent loans to loans | 0.7370% | 4,373 |
| Net loans and leases to total assets | 60.5140% | 3,617 |
| Net loans and leases to deposits | 69.5852% | 3,838 |
| Net loans and leases to core deposits | 86.9869% | 2,283 |
| Total domestic deposits to total assets | 86.9639% | 2,711 |
| Equity capital to assets | 12.2052% | 1,779 |
| Core capital (leverage) ratio | 13.0427% | 1,188 |
| Tier 1 risk-based capital ratio | 21.4065% | 1,415 |
| Total risk-based capital ratio | 22.2633% | 1,465 |
| Memoranda: | ||
| Average total assets | $59,727,000 | 5,826 |
| Average earning assets | $55,583,500 | 5,772 |
| Average equity | $7,217,750 | 5,580 |
| Average total loans | $35,033,000 | 5,587 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 3,309 |
| Cost of funding earning assets | 0.8184% | 1,315 |
| Net interest margin | 3.3951% | 4,205 |
| Noninterest income to average assets | 0.2309% | 5,795 |
| Noninterest expense to average assets | 1.9740% | 6,089 |
| Loan and lease loss provision to assets | 0.2007% | 1,887 |
| Net operating income to assets | 0.7829% | 3,387 |
| Return on assets (ROA) | 0.7829% | 3,552 |
| Pretax return on assets | 1.2346% | 2,543 |
| Return on Equity (ROE) | 6.5000% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.5000% | 2,144 |
| Net charge-offs to loans | 2.4921% | 152 |
| Credit loss provision to net charge-offs | 13.9211% | 3,839 |
| Earnings coverage of net charge-offs (x) | 0.9954% | 4,198 |
| Efficiency ratio | 57.8999% | 5,744 |
| Assets per employee ($millions) | 7.6398% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 6,328 |
| Loan loss allowance to noncurrent loans | 103.7037% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 4,653 |
| Noncurrent loans to loans | 0.7867% | 4,338 |
| Net loans and leases to total assets | 55.6939% | 4,341 |
| Net loans and leases to deposits | 63.6743% | 4,546 |
| Net loans and leases to core deposits | 78.9658% | 3,170 |
| Total domestic deposits to total assets | 87.4669% | 2,556 |
| Equity capital to assets | 11.7789% | 2,070 |
| Core capital (leverage) ratio | 12.6958% | 1,289 |
| Tier 1 risk-based capital ratio | 21.5277% | 1,382 |
| Total risk-based capital ratio | 22.3129% | 1,449 |
| Memoranda: | ||
| Average total assets | $59,778,330 | 5,858 |
| Average earning assets | $55,963,670 | 5,802 |
| Average equity | $7,200,000 | 5,635 |
| Average total loans | $34,589,670 | 5,634 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2287% | 3,189 |
| Cost of funding earning assets | 0.8299% | 1,366 |
| Net interest margin | 3.3988% | 4,123 |
| Noninterest income to average assets | 0.2166% | 5,926 |
| Noninterest expense to average assets | 2.1046% | 5,903 |
| Loan and lease loss provision to assets | 0.2030% | 1,828 |
| Net operating income to assets | 0.7309% | 3,535 |
| Return on assets (ROA) | 0.7309% | 3,672 |
| Pretax return on assets | 1.0963% | 2,964 |
| Return on Equity (ROE) | 5.9996% | 4,049 |
| Retained earnings to average equity (ytd only) | 5.9996% | 2,676 |
| Net charge-offs to loans | -0.0230% | 5,784 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8290% | 5,328 |
| Assets per employee ($millions) | 7.7491% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0272% | 1,974 |
| Loan loss allowance to noncurrent loans | 22.2476% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 5.1490% | 694 |
| Noncurrent loans to loans | 9.1120% | 259 |
| Net loans and leases to total assets | 53.2463% | 4,524 |
| Net loans and leases to deposits | 60.9022% | 4,694 |
| Net loans and leases to core deposits | 75.2702% | 3,422 |
| Total domestic deposits to total assets | 87.4292% | 2,669 |
| Equity capital to assets | 11.7013% | 2,253 |
| Core capital (leverage) ratio | 12.3090% | 1,421 |
| Tier 1 risk-based capital ratio | 19.9984% | 1,773 |
| Total risk-based capital ratio | 21.2566% | 1,742 |
| Memoranda: | ||
| Average total assets | $59,108,500 | 5,926 |
| Average earning assets | $55,431,000 | 5,861 |
| Average equity | $7,200,500 | 5,692 |
| Average total loans | $34,725,000 | 5,677 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 2,741 |
| Cost of funding earning assets | 0.8457% | 2,319 |
| Net interest margin | 3.8176% | 3,149 |
| Noninterest income to average assets | 0.2466% | 5,695 |
| Noninterest expense to average assets | 2.1145% | 6,096 |
| Loan and lease loss provision to assets | 0.7677% | 646 |
| Net operating income to assets | 0.4390% | 4,928 |
| Return on assets (ROA) | 0.4390% | 5,176 |
| Pretax return on assets | 0.9228% | 3,842 |
| Return on Equity (ROE) | 3.2185% | 5,466 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | 0.1453% | 4,240 |
| Credit loss provision to net charge-offs | 822.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 18.1000% | 1,463 |
| Efficiency ratio | 55.5719% | 6,112 |
| Assets per employee ($millions) | 7.0280% | 756 |
| Cash dividends to net income (ytd only)* | 100.0000% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 2,534 |
| Loan loss allowance to noncurrent loans | 68.7104% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.8995% | 2,571 |
| Noncurrent loans to loans | 2.6456% | 2,002 |
| Net loans and leases to total assets | 62.4431% | 3,178 |
| Net loans and leases to deposits | 72.7325% | 3,298 |
| Net loans and leases to core deposits | 102.5051% | 864 |
| Total domestic deposits to total assets | 85.8530% | 3,426 |
| Equity capital to assets | 12.7117% | 1,585 |
| Core capital (leverage) ratio | 13.4775% | 956 |
| Tier 1 risk-based capital ratio | 19.8756% | 1,709 |
| Total risk-based capital ratio | 21.1305% | 1,679 |
| Memoranda: | ||
| Average total assets | $53,534,200 | 6,100 |
| Average earning assets | $49,900,000 | 6,056 |
| Average equity | $7,301,600 | 5,686 |
| Average total loans | $34,412,200 | 5,743 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7834% | 2,448 |
| Cost of funding earning assets | 0.8468% | 2,567 |
| Net interest margin | 3.9366% | 2,773 |
| Noninterest income to average assets | 0.2371% | 5,858 |
| Noninterest expense to average assets | 2.2473% | 5,826 |
| Loan and lease loss provision to assets | 0.2093% | 2,977 |
| Net operating income to assets | 0.9988% | 2,509 |
| Return on assets (ROA) | 0.9988% | 2,732 |
| Pretax return on assets | 1.4503% | 2,078 |
| Return on Equity (ROE) | 7.1931% | 3,702 |
| Retained earnings to average equity (ytd only) | 7.1931% | 2,015 |
| Net charge-offs to loans | 0.1682% | 3,772 |
| Credit loss provision to net charge-offs | 193.0233% | 1,438 |
| Earnings coverage of net charge-offs (x) | 15.3028% | 1,774 |
| Efficiency ratio | 57.5210% | 5,851 |
| Assets per employee ($millions) | 6.6170% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 6,293 |
| Loan loss allowance to noncurrent loans | 48.9583% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 1.4999% | 3,342 |
| Noncurrent loans to loans | 1.9036% | 2,957 |
| Net loans and leases to total assets | 66.0666% | 2,636 |
| Net loans and leases to deposits | 78.1380% | 2,644 |
| Net loans and leases to core deposits | 112.8416% | 469 |
| Total domestic deposits to total assets | 84.5512% | 3,952 |
| Equity capital to assets | 14.2512% | 1,061 |
| Core capital (leverage) ratio | 14.8292% | 640 |
| Tier 1 risk-based capital ratio | 22.6495% | 1,230 |
| Total risk-based capital ratio | 23.6001% | 1,250 |
| Memoranda: | ||
| Average total assets | $52,861,750 | 6,195 |
| Average earning assets | $49,280,250 | 6,148 |
| Average equity | $7,340,250 | 5,731 |
| Average total loans | $34,075,750 | 5,830 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 2,903 |
| Cost of funding earning assets | 0.8521% | 2,782 |
| Net interest margin | 3.8508% | 3,134 |
| Noninterest income to average assets | 0.2271% | 5,943 |
| Noninterest expense to average assets | 2.2636% | 5,837 |
| Loan and lease loss provision to assets | 0.2006% | 3,074 |
| Net operating income to assets | 0.9577% | 2,625 |
| Return on assets (ROA) | 0.9577% | 2,873 |
| Pretax return on assets | 1.3551% | 2,371 |
| Return on Equity (ROE) | 6.9579% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.9579% | 2,124 |
| Net charge-offs to loans | 0.2139% | 3,290 |
| Credit loss provision to net charge-offs | 147.2222% | 1,879 |
| Earnings coverage of net charge-offs (x) | 11.4167% | 1,964 |
| Efficiency ratio | 59.2666% | 5,700 |
| Assets per employee ($millions) | 6.4884% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 6,475 |
| Loan loss allowance to noncurrent loans | 17.1814% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 3.6662% | 1,433 |
| Noncurrent loans to loans | 5.1985% | 924 |
| Net loans and leases to total assets | 65.4131% | 2,789 |
| Net loans and leases to deposits | 77.2595% | 2,792 |
| Net loans and leases to core deposits | 109.3562% | 600 |
| Total domestic deposits to total assets | 84.6668% | 4,020 |
| Equity capital to assets | 14.2563% | 998 |
| Core capital (leverage) ratio | 14.7052% | 650 |
| Tier 1 risk-based capital ratio | 22.4874% | 1,198 |
| Total risk-based capital ratio | 23.3814% | 1,248 |
| Memoranda: | ||
| Average total assets | $52,837,000 | 6,235 |
| Average earning assets | $49,288,330 | 6,182 |
| Average equity | $7,272,330 | 5,766 |
| Average total loans | $33,667,000 | 5,884 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5831% | 3,581 |
| Cost of funding earning assets | 0.8634% | 2,965 |
| Net interest margin | 3.7197% | 3,738 |
| Noninterest income to average assets | 0.2176% | 6,055 |
| Noninterest expense to average assets | 2.2288% | 5,963 |
| Loan and lease loss provision to assets | 0.1726% | 3,239 |
| Net operating income to assets | 0.9080% | 2,875 |
| Return on assets (ROA) | 0.9080% | 3,103 |
| Pretax return on assets | 1.2757% | 2,627 |
| Return on Equity (ROE) | 6.7143% | 3,940 |
| Retained earnings to average equity (ytd only) | 6.7143% | 2,576 |
| Net charge-offs to loans | 0.3236% | 2,356 |
| Credit loss provision to net charge-offs | 85.1852% | 2,635 |
| Earnings coverage of net charge-offs (x) | 7.1481% | 2,107 |
| Efficiency ratio | 60.6122% | 5,527 |
| Assets per employee ($millions) | 6.7120% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 6,636 |
| Loan loss allowance to noncurrent loans | 24.5902% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 2.3857% | 2,493 |
| Noncurrent loans to loans | 3.4670% | 1,801 |
| Net loans and leases to total assets | 61.7253% | 3,310 |
| Net loans and leases to deposits | 72.2816% | 3,392 |
| Net loans and leases to core deposits | 102.8359% | 822 |
| Total domestic deposits to total assets | 85.3956% | 3,837 |
| Equity capital to assets | 13.5373% | 1,223 |
| Core capital (leverage) ratio | 13.8802% | 833 |
| Tier 1 risk-based capital ratio | 22.6963% | 1,174 |
| Total risk-based capital ratio | 23.5515% | 1,215 |
| Memoranda: | ||
| Average total assets | $53,302,000 | 6,255 |
| Average earning assets | $49,573,500 | 6,217 |
| Average equity | $7,208,500 | 5,807 |
| Average total loans | $33,370,500 | 5,943 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 3,119 |
| Cost of funding earning assets | 0.9413% | 3,778 |
| Net interest margin | 4.0062% | 2,848 |
| Noninterest income to average assets | 0.2347% | 5,859 |
| Noninterest expense to average assets | 2.2675% | 6,124 |
| Loan and lease loss provision to assets | 0.1790% | 4,403 |
| Net operating income to assets | 1.0184% | 2,137 |
| Return on assets (ROA) | 1.0184% | 2,279 |
| Pretax return on assets | 1.4878% | 1,513 |
| Return on Equity (ROE) | 7.2155% | 3,299 |
| Retained earnings to average equity (ytd only) | 4.0728% | 3,293 |
| Net charge-offs to loans | 0.3296% | 3,742 |
| Credit loss provision to net charge-offs | 81.8182% | 4,371 |
| Earnings coverage of net charge-offs (x) | 7.6182% | 2,305 |
| Efficiency ratio | 57.6340% | 6,099 |
| Assets per employee ($millions) | 6.6135% | 896 |
| Cash dividends to net income (ytd only)* | 43.5547% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 6,609 |
| Loan loss allowance to noncurrent loans | 80.9524% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 5,078 |
| Noncurrent loans to loans | 1.0717% | 4,565 |
| Net loans and leases to total assets | 62.4159% | 3,518 |
| Net loans and leases to deposits | 73.3535% | 3,611 |
| Net loans and leases to core deposits | 106.9709% | 757 |
| Total domestic deposits to total assets | 85.0892% | 3,795 |
| Equity capital to assets | 13.5102% | 1,259 |
| Core capital (leverage) ratio | 14.5300% | 706 |
| Tier 1 risk-based capital ratio | 22.5259% | 1,160 |
| Total risk-based capital ratio | 23.4005% | 1,189 |
| Memoranda: | ||
| Average total assets | $50,275,800 | 6,355 |
| Average earning assets | $46,427,600 | 6,314 |
| Average equity | $7,095,800 | 5,840 |
| Average total loans | $33,376,000 | 5,985 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 2,686 |
| Cost of funding earning assets | 0.9592% | 3,967 |
| Net interest margin | 4.1245% | 2,381 |
| Noninterest income to average assets | 0.2230% | 6,021 |
| Noninterest expense to average assets | 2.3298% | 5,957 |
| Loan and lease loss provision to assets | 0.1827% | 4,206 |
| Net operating income to assets | 1.0856% | 2,024 |
| Return on assets (ROA) | 1.0856% | 2,168 |
| Pretax return on assets | 1.5236% | 1,595 |
| Return on Equity (ROE) | 7.6051% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.6051% | 1,661 |
| Net charge-offs to loans | 0.1078% | 4,927 |
| Credit loss provision to net charge-offs | 251.8519% | 1,140 |
| Earnings coverage of net charge-offs (x) | 23.5181% | 1,112 |
| Efficiency ratio | 57.7230% | 6,057 |
| Assets per employee ($millions) | 6.2665% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 6,100 |
| Loan loss allowance to noncurrent loans | 34.5850% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 2.1284% | 3,001 |
| Noncurrent loans to loans | 2.9962% | 2,307 |
| Net loans and leases to total assets | 66.6760% | 2,749 |
| Net loans and leases to deposits | 78.9000% | 2,828 |
| Net loans and leases to core deposits | 112.9448% | 578 |
| Total domestic deposits to total assets | 84.5069% | 4,003 |
| Equity capital to assets | 14.4897% | 996 |
| Core capital (leverage) ratio | 14.9385% | 678 |
| Tier 1 risk-based capital ratio | 22.1909% | 1,256 |
| Total risk-based capital ratio | 23.2185% | 1,269 |
| Memoranda: | ||
| Average total assets | $49,617,750 | 6,430 |
| Average earning assets | $45,871,000 | 6,390 |
| Average equity | $7,082,750 | 5,885 |
| Average total loans | $33,392,000 | 6,044 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 2,488 |
| Cost of funding earning assets | 0.9667% | 4,204 |
| Net interest margin | 4.1776% | 2,132 |
| Noninterest income to average assets | 0.2184% | 6,102 |
| Noninterest expense to average assets | 2.2165% | 6,345 |
| Loan and lease loss provision to assets | 0.1820% | 4,100 |
| Net operating income to assets | 1.0840% | 1,917 |
| Return on assets (ROA) | 1.0840% | 2,012 |
| Pretax return on assets | 1.6826% | 1,090 |
| Return on Equity (ROE) | 7.6328% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.6328% | 1,606 |
| Net charge-offs to loans | 0.0842% | 4,800 |
| Credit loss provision to net charge-offs | 321.4286% | 942 |
| Earnings coverage of net charge-offs (x) | 32.9286% | 862 |
| Efficiency ratio | 54.3112% | 6,594 |
| Assets per employee ($millions) | 6.3069% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,273 |
| Loan loss allowance to noncurrent loans | 22.5231% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 3.1097% | 2,159 |
| Noncurrent loans to loans | 4.5056% | 1,472 |
| Net loans and leases to total assets | 65.9241% | 3,046 |
| Net loans and leases to deposits | 77.6968% | 3,180 |
| Net loans and leases to core deposits | 117.9211% | 476 |
| Total domestic deposits to total assets | 84.8479% | 3,944 |
| Equity capital to assets | 14.1889% | 1,034 |
| Core capital (leverage) ratio | 14.3851% | 788 |
| Tier 1 risk-based capital ratio | 21.7724% | 1,289 |
| Total risk-based capital ratio | 22.7698% | 1,303 |
| Memoranda: | ||
| Average total assets | $49,446,330 | 6,498 |
| Average earning assets | $45,720,330 | 6,447 |
| Average equity | $7,022,330 | 5,920 |
| Average total loans | $33,264,000 | 6,118 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 2,736 |
| Cost of funding earning assets | 0.9737% | 4,398 |
| Net interest margin | 4.1053% | 2,249 |
| Noninterest income to average assets | 0.1962% | 6,320 |
| Noninterest expense to average assets | 2.1413% | 6,548 |
| Loan and lease loss provision to assets | 0.1880% | 3,740 |
| Net operating income to assets | 1.1360% | 1,716 |
| Return on assets (ROA) | 1.1360% | 1,759 |
| Pretax return on assets | 1.6918% | 998 |
| Return on Equity (ROE) | 7.9954% | 2,918 |
| Retained earnings to average equity (ytd only) | 7.9954% | 1,737 |
| Net charge-offs to loans | 0.1813% | 3,404 |
| Credit loss provision to net charge-offs | 153.3333% | 1,869 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 1,320 |
| Efficiency ratio | 53.2520% | 6,765 |
| Assets per employee ($millions) | 6.3160% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 6,488 |
| Loan loss allowance to noncurrent loans | 213.4228% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 6,196 |
| Noncurrent loans to loans | 0.4549% | 6,103 |
| Net loans and leases to total assets | 64.1941% | 3,403 |
| Net loans and leases to deposits | 75.3222% | 3,537 |
| Net loans and leases to core deposits | 127.8316% | 295 |
| Total domestic deposits to total assets | 85.2260% | 3,935 |
| Equity capital to assets | 13.9032% | 1,029 |
| Core capital (leverage) ratio | 14.1895% | 810 |
| Tier 1 risk-based capital ratio | 22.3705% | 1,165 |
| Total risk-based capital ratio | 23.3459% | 1,188 |
| Memoranda: | ||
| Average total assets | $48,942,000 | 6,557 |
| Average earning assets | $45,600,000 | 6,498 |
| Average equity | $6,954,000 | 5,943 |
| Average total loans | $33,094,500 | 6,179 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9158% | 1,005 |
| Cost of funding earning assets | 1.2855% | 3,980 |
| Net interest margin | 4.6304% | 947 |
| Noninterest income to average assets | 0.2148% | 6,277 |
| Noninterest expense to average assets | 2.5114% | 5,748 |
| Loan and lease loss provision to assets | 0.1972% | 5,260 |
| Net operating income to assets | 0.7166% | 3,163 |
| Return on assets (ROA) | 0.7166% | 3,294 |
| Pretax return on assets | 1.3740% | 1,726 |
| Return on Equity (ROE) | 4.7095% | 4,198 |
| Retained earnings to average equity (ytd only) | 1.6851% | 4,672 |
| Net charge-offs to loans | 0.1979% | 5,104 |
| Credit loss provision to net charge-offs | 138.4615% | 2,755 |
| Earnings coverage of net charge-offs (x) | 11.0308% | 1,644 |
| Efficiency ratio | 61.5137% | 5,807 |
| Assets per employee ($millions) | 5.9195% | 1,265 |
| Cash dividends to net income (ytd only)* | 64.2202% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 6,644 |
| Loan loss allowance to noncurrent loans | 68.5841% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 5,103 |
| Noncurrent loans to loans | 1.3519% | 4,456 |
| Net loans and leases to total assets | 69.9489% | 2,543 |
| Net loans and leases to deposits | 83.1326% | 2,599 |
| Net loans and leases to core deposits | 136.7333% | 256 |
| Total domestic deposits to total assets | 84.1414% | 4,302 |
| Equity capital to assets | 14.5346% | 895 |
| Core capital (leverage) ratio | 15.5441% | 573 |
| Tier 1 risk-based capital ratio | 21.4584% | 1,255 |
| Total risk-based capital ratio | 22.3882% | 1,274 |
| Memoranda: | ||
| Average total assets | $45,632,400 | 6,679 |
| Average earning assets | $38,118,000 | 6,787 |
| Average equity | $6,943,400 | 6,049 |
| Average total loans | $32,850,400 | 6,265 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2396% | 574 |
| Cost of funding earning assets | 1.4072% | 3,544 |
| Net interest margin | 4.8324% | 628 |
| Noninterest income to average assets | 0.2006% | 6,465 |
| Noninterest expense to average assets | 2.2919% | 6,352 |
| Loan and lease loss provision to assets | 0.2006% | 5,046 |
| Net operating income to assets | 1.0471% | 2,078 |
| Return on assets (ROA) | 1.0471% | 2,186 |
| Pretax return on assets | 1.6282% | 1,274 |
| Return on Equity (ROE) | 6.8020% | 3,430 |
| Retained earnings to average equity (ytd only) | 6.8020% | 1,943 |
| Net charge-offs to loans | 0.0693% | 5,820 |
| Credit loss provision to net charge-offs | 400.0000% | 754 |
| Earnings coverage of net charge-offs (x) | 36.4645% | 748 |
| Efficiency ratio | 55.6192% | 6,610 |
| Assets per employee ($millions) | 5.7241% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 6,334 |
| Loan loss allowance to noncurrent loans | 165.5172% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 6,321 |
| Noncurrent loans to loans | 0.6125% | 5,980 |
| Net loans and leases to total assets | 71.6463% | 2,330 |
| Net loans and leases to deposits | 85.6587% | 2,414 |
| Net loans and leases to core deposits | 129.8235% | 377 |
| Total domestic deposits to total assets | 83.6416% | 4,298 |
| Equity capital to assets | 15.5701% | 756 |
| Core capital (leverage) ratio | 16.9277% | 437 |
| Tier 1 risk-based capital ratio | 23.2887% | 1,029 |
| Total risk-based capital ratio | 24.3471% | 1,023 |
| Memoranda: | ||
| Average total assets | $45,201,500 | 6,774 |
| Average earning assets | $36,668,250 | 6,927 |
| Average equity | $6,958,500 | 6,129 |
| Average total loans | $32,704,250 | 6,354 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4510% | 373 |
| Cost of funding earning assets | 1.4604% | 3,493 |
| Net interest margin | 4.9906% | 430 |
| Noninterest income to average assets | 0.2222% | 6,325 |
| Noninterest expense to average assets | 2.2176% | 6,607 |
| Loan and lease loss provision to assets | 0.2000% | 4,870 |
| Net operating income to assets | 1.0932% | 1,880 |
| Return on assets (ROA) | 1.0932% | 1,948 |
| Pretax return on assets | 1.6621% | 1,136 |
| Return on Equity (ROE) | 7.1291% | 3,241 |
| Retained earnings to average equity (ytd only) | 7.1291% | 1,780 |
| Net charge-offs to loans | 0.0430% | 5,775 |
| Credit loss provision to net charge-offs | 642.8571% | 574 |
| Earnings coverage of net charge-offs (x) | 59.8571% | 517 |
| Efficiency ratio | 54.3573% | 6,838 |
| Assets per employee ($millions) | 6.1861% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 6,489 |
| Loan loss allowance to noncurrent loans | 84.5550% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.8822% | 5,357 |
| Noncurrent loans to loans | 1.1575% | 5,026 |
| Net loans and leases to total assets | 75.4636% | 1,601 |
| Net loans and leases to deposits | 91.0403% | 1,687 |
| Net loans and leases to core deposits | 128.6890% | 440 |
| Total domestic deposits to total assets | 82.8903% | 4,616 |
| Equity capital to assets | 16.2137% | 640 |
| Core capital (leverage) ratio | 16.3700% | 522 |
| Tier 1 risk-based capital ratio | 23.2061% | 1,039 |
| Total risk-based capital ratio | 24.2353% | 1,050 |
| Memoranda: | ||
| Average total assets | $45,004,330 | 6,829 |
| Average earning assets | $34,785,330 | 7,053 |
| Average equity | $6,901,330 | 6,172 |
| Average total loans | $32,557,330 | 6,402 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6772% | 276 |
| Cost of funding earning assets | 1.5272% | 3,392 |
| Net interest margin | 5.1500% | 321 |
| Noninterest income to average assets | 0.1919% | 6,592 |
| Noninterest expense to average assets | 2.0238% | 7,118 |
| Loan and lease loss provision to assets | 0.2006% | 4,494 |
| Net operating income to assets | 1.1602% | 1,649 |
| Return on assets (ROA) | 1.1602% | 1,726 |
| Pretax return on assets | 1.7621% | 951 |
| Return on Equity (ROE) | 7.7761% | 2,991 |
| Retained earnings to average equity (ytd only) | 7.7761% | 1,804 |
| Net charge-offs to loans | 0.0619% | 4,798 |
| Credit loss provision to net charge-offs | 460.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 616 |
| Efficiency ratio | 50.7659% | 7,260 |
| Assets per employee ($millions) | 6.3246% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 6,659 |
| Loan loss allowance to noncurrent loans | 104.1237% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6573% | 5,874 |
| Noncurrent loans to loans | 0.9155% | 5,485 |
| Net loans and leases to total assets | 71.1149% | 2,668 |
| Net loans and leases to deposits | 85.1632% | 2,736 |
| Net loans and leases to core deposits | 114.2380% | 1,032 |
| Total domestic deposits to total assets | 83.5042% | 4,384 |
| Equity capital to assets | 15.6035% | 744 |
| Core capital (leverage) ratio | 15.9749% | 587 |
| Tier 1 risk-based capital ratio | 23.5159% | 1,012 |
| Total risk-based capital ratio | 24.5097% | 1,022 |
| Memoranda: | ||
| Average total assets | $45,855,000 | 6,879 |
| Average earning assets | $33,786,500 | 7,170 |
| Average equity | $6,841,500 | 6,243 |
| Average total loans | $32,335,500 | 6,493 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4376% | 761 |
| Cost of funding earning assets | 2.0203% | 2,865 |
| Net interest margin | 4.4172% | 1,388 |
| Noninterest income to average assets | 0.2390% | 6,376 |
| Noninterest expense to average assets | 2.2208% | 6,938 |
| Loan and lease loss provision to assets | 0.7936% | 2,754 |
| Net operating income to assets | 0.4253% | 4,028 |
| Return on assets (ROA) | 0.4253% | 4,136 |
| Pretax return on assets | 0.7476% | 3,415 |
| Return on Equity (ROE) | 2.8081% | 4,584 |
| Retained earnings to average equity (ytd only) | 0.0724% | 4,862 |
| Net charge-offs to loans | 0.8034% | 2,818 |
| Credit loss provision to net charge-offs | 138.6973% | 3,541 |
| Earnings coverage of net charge-offs (x) | 2.6935% | 3,758 |
| Efficiency ratio | 59.0326% | 6,614 |
| Assets per employee ($millions) | 6.7769% | 876 |
| Cash dividends to net income (ytd only)* | 97.4227% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,937 |
| Loan loss allowance to noncurrent loans | 24.3382% | 6,837 |
| Noncurrent assets plus other real estate owned to assets | 2.4685% | 2,822 |
| Noncurrent loans to loans | 3.5610% | 2,133 |
| Net loans and leases to total assets | 68.7192% | 3,544 |
| Net loans and leases to deposits | 81.2963% | 3,739 |
| Net loans and leases to core deposits | 96.2474% | 4,440 |
| Total domestic deposits to total assets | 84.5293% | 3,784 |
| Equity capital to assets | 14.2818% | 1,085 |
| Core capital (leverage) ratio | 14.6032% | 859 |
| Tier 1 risk-based capital ratio | 21.6536% | 1,194 |
| Total risk-based capital ratio | 22.5306% | 1,223 |
| Memoranda: | ||
| Average total assets | $45,613,800 | 6,890 |
| Average earning assets | $36,380,200 | 7,082 |
| Average equity | $6,908,600 | 6,298 |
| Average total loans | $32,488,400 | 6,493 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3627% | 998 |
| Cost of funding earning assets | 2.1221% | 2,791 |
| Net interest margin | 4.2406% | 1,904 |
| Noninterest income to average assets | 0.2510% | 6,441 |
| Noninterest expense to average assets | 2.1672% | 7,058 |
| Loan and lease loss provision to assets | 0.4015% | 3,906 |
| Net operating income to assets | 0.7854% | 2,878 |
| Return on assets (ROA) | 0.7854% | 2,938 |
| Pretax return on assets | 1.1456% | 2,427 |
| Return on Equity (ROE) | 5.1089% | 3,919 |
| Retained earnings to average equity (ytd only) | 5.1089% | 2,422 |
| Net charge-offs to loans | 0.0494% | 6,226 |
| Credit loss provision to net charge-offs | 1,133.3333% | 334 |
| Earnings coverage of net charge-offs (x) | 43.6656% | 705 |
| Efficiency ratio | 58.3466% | 6,672 |
| Assets per employee ($millions) | 7.1956% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 6,597 |
| Loan loss allowance to noncurrent loans | 24.2520% | 6,826 |
| Noncurrent assets plus other real estate owned to assets | 2.5214% | 2,747 |
| Noncurrent loans to loans | 3.8734% | 1,911 |
| Net loans and leases to total assets | 64.4841% | 4,755 |
| Net loans and leases to deposits | 75.7233% | 5,093 |
| Net loans and leases to core deposits | 123.9505% | 1,902 |
| Total domestic deposits to total assets | 85.1575% | 3,149 |
| Equity capital to assets | 14.0662% | 1,286 |
| Core capital (leverage) ratio | 16.0961% | 664 |
| Tier 1 risk-based capital ratio | 29.9094% | 571 |
| Total risk-based capital ratio | 31.1719% | 556 |
| Memoranda: | ||
| Average total assets | $45,157,750 | 6,956 |
| Average earning assets | $36,880,500 | 7,118 |
| Average equity | $6,942,000 | 6,335 |
| Average total loans | $32,389,500 | 6,546 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3305% | 1,138 |
| Cost of funding earning assets | 2.1878% | 2,849 |
| Net interest margin | 4.1426% | 2,186 |
| Noninterest income to average assets | 0.2211% | 6,714 |
| Noninterest expense to average assets | 1.7918% | 7,753 |
| Loan and lease loss provision to assets | 0.5159% | 2,959 |
| Net operating income to assets | 0.6725% | 3,374 |
| Return on assets (ROA) | 0.6725% | 3,488 |
| Pretax return on assets | 1.5154% | 1,399 |
| Return on Equity (ROE) | 4.2354% | 4,404 |
| Retained earnings to average equity (ytd only) | 4.2354% | 2,949 |
| Net charge-offs to loans | 0.0806% | 5,402 |
| Credit loss provision to net charge-offs | 861.5385% | 557 |
| Earnings coverage of net charge-offs (x) | 33.9231% | 916 |
| Efficiency ratio | 46.8675% | 7,813 |
| Assets per employee ($millions) | 5.7306% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 6,800 |
| Loan loss allowance to noncurrent loans | 62.7494% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 0.9837% | 5,001 |
| Noncurrent loans to loans | 1.4262% | 4,359 |
| Net loans and leases to total assets | 68.3586% | 4,094 |
| Net loans and leases to deposits | 81.4614% | 4,306 |
| Net loans and leases to core deposits | 132.2432% | 1,422 |
| Total domestic deposits to total assets | 83.9154% | 3,816 |
| Equity capital to assets | 15.1947% | 988 |
| Core capital (leverage) ratio | 16.8182% | 639 |
| Tier 1 risk-based capital ratio | 32.1379% | 494 |
| Total risk-based capital ratio | 33.4050% | 482 |
| Memoranda: | ||
| Average total assets | $43,420,670 | 7,080 |
| Average earning assets | $37,754,000 | 7,140 |
| Average equity | $6,894,330 | 6,406 |
| Average total loans | $32,256,670 | 6,601 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4923% | 880 |
| Cost of funding earning assets | 2.2194% | 3,063 |
| Net interest margin | 4.2729% | 1,669 |
| Noninterest income to average assets | 0.4170% | 5,083 |
| Noninterest expense to average assets | 2.7483% | 4,787 |
| Loan and lease loss provision to assets | 0.2180% | 4,273 |
| Net operating income to assets | 0.7297% | 3,424 |
| Return on assets (ROA) | 0.7297% | 3,621 |
| Pretax return on assets | 1.3552% | 2,102 |
| Return on Equity (ROE) | 4.4908% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.4908% | 3,432 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5965% | 5,764 |
| Assets per employee ($millions) | 5.2734% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6483% | 7,571 |
| Loan loss allowance to noncurrent loans | 25.1825% | 6,887 |
| Noncurrent assets plus other real estate owned to assets | 2.1950% | 2,603 |
| Noncurrent loans to loans | 2.5745% | 2,562 |
| Net loans and leases to total assets | 75.1914% | 2,459 |
| Net loans and leases to deposits | 91.2913% | 2,730 |
| Net loans and leases to core deposits | 137.1719% | 1,238 |
| Total domestic deposits to total assets | 82.3642% | 4,418 |
| Equity capital to assets | 16.3486% | 818 |
| Core capital (leverage) ratio | 16.3979% | 729 |
| Tier 1 risk-based capital ratio | 25.2998% | 950 |
| Total risk-based capital ratio | 26.0365% | 973 |
| Memoranda: | ||
| Average total assets | $42,208,500 | 7,156 |
| Average earning assets | $38,569,000 | 7,143 |
| Average equity | $6,858,500 | 6,456 |
| Average total loans | $32,574,000 | 6,610 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7505% | 1,861 |
| Cost of funding earning assets | 2.6024% | 3,673 |
| Net interest margin | 4.1481% | 2,511 |
| Noninterest income to average assets | 0.5914% | 3,901 |
| Noninterest expense to average assets | 2.7110% | 5,221 |
| Loan and lease loss provision to assets | 0.2295% | 4,594 |
| Net operating income to assets | 0.9172% | 2,932 |
| Return on assets (ROA) | 0.9202% | 2,765 |
| Pretax return on assets | 1.5471% | 1,544 |
| Return on Equity (ROE) | 5.8408% | 4,007 |
| Retained earnings to average equity (ytd only) | 3.0030% | 3,302 |
| Net charge-offs to loans | 0.1580% | 4,620 |
| Credit loss provision to net charge-offs | 197.9592% | 2,467 |
| Earnings coverage of net charge-offs (x) | 15.2857% | 1,941 |
| Efficiency ratio | 60.4749% | 6,265 |
| Assets per employee ($millions) | 5.2788% | 1,662 |
| Cash dividends to net income (ytd only)* | 48.5861% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5539% | 7,763 |
| Loan loss allowance to noncurrent loans | 18.0747% | 7,313 |
| Noncurrent assets plus other real estate owned to assets | 2.6569% | 1,799 |
| Noncurrent loans to loans | 3.0644% | 1,745 |
| Net loans and leases to total assets | 78.2287% | 2,078 |
| Net loans and leases to deposits | 94.9474% | 2,624 |
| Net loans and leases to core deposits | 143.3916% | 1,120 |
| Total domestic deposits to total assets | 82.3917% | 4,045 |
| Equity capital to assets | 16.1497% | 904 |
| Core capital (leverage) ratio | 17.0266% | 696 |
| Tier 1 risk-based capital ratio | 24.1575% | 1,072 |
| Total risk-based capital ratio | 24.7896% | 1,108 |
| Memoranda: | ||
| Average total assets | $42,272,800 | 7,118 |
| Average earning assets | $39,656,400 | 7,057 |
| Average equity | $6,660,000 | 6,582 |
| Average total loans | $31,005,800 | 6,652 |