Home > Conneaut Savings Bank > Performance and Condition Ratios
Conneaut Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 4,280 |
| Cost of funding earning assets | 0.6932% | 3,940 |
| Net interest margin | 2.9966% | 3,289 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 3.0359% | 1,070 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | -0.1321% | 4,440 |
| Return on assets (ROA) | -0.1321% | 4,424 |
| Pretax return on assets | -0.2006% | 4,425 |
| Return on Equity (ROE) | -1.1700% | 4,394 |
| Retained earnings to average equity (ytd only) | -1.1681% | 4,200 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 106.6521% | 130 |
| Assets per employee ($millions) | 5.3047% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5468% | 4,299 |
| Loan loss allowance to noncurrent loans | 88.9571% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 1,356 |
| Noncurrent loans to loans | 0.6147% | 1,285 |
| Net loans and leases to total assets | 66.2900% | 2,227 |
| Net loans and leases to deposits | 84.8079% | 1,702 |
| Net loans and leases to core deposits | 86.6326% | 2,263 |
| Total domestic deposits to total assets | 78.1700% | 3,705 |
| Equity capital to assets | 11.6803% | 1,230 |
| Core capital (leverage) ratio | 14.1029% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $80,271,600 | 4,010 |
| Average earning assets | $75,019,400 | 3,980 |
| Average equity | $9,074,400 | 3,816 |
| Average total loans | $52,203,800 | 3,807 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6403% | 4,271 |
| Cost of funding earning assets | 0.6106% | 3,951 |
| Net interest margin | 3.0298% | 3,282 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 3.0330% | 1,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0994% | 4,318 |
| Return on assets (ROA) | 0.0994% | 4,339 |
| Pretax return on assets | 0.1011% | 4,343 |
| Return on Equity (ROE) | 0.8900% | 4,326 |
| Retained earnings to average equity (ytd only) | 0.8869% | 3,972 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 96.7742% | 220 |
| Assets per employee ($millions) | 5.2389% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5595% | 4,309 |
| Loan loss allowance to noncurrent loans | 103.9427% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 1,608 |
| Noncurrent loans to loans | 0.5382% | 1,479 |
| Net loans and leases to total assets | 65.5900% | 2,279 |
| Net loans and leases to deposits | 80.3370% | 2,016 |
| Net loans and leases to core deposits | 82.0193% | 2,465 |
| Total domestic deposits to total assets | 81.6500% | 3,282 |
| Equity capital to assets | 10.9960% | 1,346 |
| Core capital (leverage) ratio | 14.2854% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $80,447,000 | 4,029 |
| Average earning assets | $75,119,500 | 3,999 |
| Average equity | $9,019,500 | 3,822 |
| Average total loans | $51,995,250 | 3,818 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5976% | 4,253 |
| Cost of funding earning assets | 0.5460% | 3,893 |
| Net interest margin | 3.0516% | 3,318 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 3.0320% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1160% | 4,352 |
| Return on assets (ROA) | 0.1160% | 4,383 |
| Pretax return on assets | 0.1234% | 4,381 |
| Return on Equity (ROE) | 1.0300% | 4,366 |
| Retained earnings to average equity (ytd only) | 1.0278% | 3,904 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 96.0907% | 221 |
| Assets per employee ($millions) | 4.6393% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5664% | 4,332 |
| Loan loss allowance to noncurrent loans | 102.8369% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 1,490 |
| Noncurrent loans to loans | 0.5508% | 1,354 |
| Net loans and leases to total assets | 64.5500% | 2,329 |
| Net loans and leases to deposits | 76.6897% | 2,240 |
| Net loans and leases to core deposits | 78.5643% | 2,574 |
| Total domestic deposits to total assets | 84.1700% | 2,788 |
| Equity capital to assets | 11.6359% | 1,159 |
| Core capital (leverage) ratio | 14.1100% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $81,068,333 | 4,037 |
| Average earning assets | $75,829,333 | 4,006 |
| Average equity | $9,145,667 | 3,831 |
| Average total loans | $52,048,667 | 3,831 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5076% | 4,253 |
| Cost of funding earning assets | 0.4833% | 3,750 |
| Net interest margin | 3.0243% | 3,540 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 3.0182% | 1,028 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1071% | 4,429 |
| Return on assets (ROA) | 0.1071% | 4,401 |
| Pretax return on assets | 0.1120% | 4,396 |
| Return on Equity (ROE) | 0.9600% | 4,384 |
| Retained earnings to average equity (ytd only) | 0.9639% | 3,871 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 96.4230% | 215 |
| Assets per employee ($millions) | 4.8091% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5585% | 4,401 |
| Loan loss allowance to noncurrent loans | 114.6245% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 1,625 |
| Noncurrent loans to loans | 0.4872% | 1,497 |
| Net loans and leases to total assets | 63.1600% | 2,341 |
| Net loans and leases to deposits | 75.6767% | 2,150 |
| Net loans and leases to core deposits | 77.4682% | 2,429 |
| Total domestic deposits to total assets | 83.4600% | 3,210 |
| Equity capital to assets | 11.3363% | 1,212 |
| Core capital (leverage) ratio | 13.7911% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $82,168,500 | 4,077 |
| Average earning assets | $76,976,500 | 4,041 |
| Average equity | $9,130,000 | 3,879 |
| Average total loans | $52,472,000 | 3,870 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2390% | 3,740 |
| Cost of funding earning assets | 0.2087% | 3,687 |
| Net interest margin | 3.0303% | 3,357 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.8540% | 1,218 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2316% | 4,428 |
| Return on assets (ROA) | 0.2316% | 4,404 |
| Pretax return on assets | 0.2614% | 4,400 |
| Return on Equity (ROE) | 1.9900% | 4,388 |
| Retained earnings to average equity (ytd only) | 1.9896% | 3,979 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 91.6092% | 268 |
| Assets per employee ($millions) | 4.8578% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5470% | 4,400 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 1,322 |
| Noncurrent loans to loans | 0.6017% | 1,244 |
| Net loans and leases to total assets | 63.8500% | 2,257 |
| Net loans and leases to deposits | 75.1629% | 2,160 |
| Net loans and leases to core deposits | 76.8870% | 2,360 |
| Total domestic deposits to total assets | 84.9400% | 3,006 |
| Equity capital to assets | 10.8886% | 1,305 |
| Core capital (leverage) ratio | 13.5587% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $83,776,800 | 4,082 |
| Average earning assets | $78,574,200 | 4,056 |
| Average equity | $9,750,600 | 3,899 |
| Average total loans | $51,006,400 | 3,874 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1505% | 3,555 |
| Cost of funding earning assets | 0.1944% | 3,341 |
| Net interest margin | 2.9561% | 3,340 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.8260% | 1,197 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1935% | 4,480 |
| Return on assets (ROA) | 0.1935% | 4,450 |
| Pretax return on assets | 0.2204% | 4,446 |
| Return on Equity (ROE) | 1.6400% | 4,435 |
| Retained earnings to average equity (ytd only) | 1.6364% | 4,105 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 92.7642% | 259 |
| Assets per employee ($millions) | 4.8581% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5545% | 4,424 |
| Loan loss allowance to noncurrent loans | 96.9900% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 1,493 |
| Noncurrent loans to loans | 0.5717% | 1,402 |
| Net loans and leases to total assets | 62.9700% | 2,195 |
| Net loans and leases to deposits | 72.8210% | 2,142 |
| Net loans and leases to core deposits | 73.9223% | 2,354 |
| Total domestic deposits to total assets | 86.4800% | 2,929 |
| Equity capital to assets | 10.5536% | 1,349 |
| Core capital (leverage) ratio | 13.4450% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $84,075,500 | 4,111 |
| Average earning assets | $78,885,500 | 4,076 |
| Average equity | $9,940,250 | 3,923 |
| Average total loans | $50,504,000 | 3,905 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1028% | 3,298 |
| Cost of funding earning assets | 0.2015% | 2,895 |
| Net interest margin | 2.9013% | 3,172 |
| Noninterest income to average assets | 0.2720% | 3,541 |
| Noninterest expense to average assets | 2.8000% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1750% | 4,455 |
| Return on assets (ROA) | 0.1750% | 4,418 |
| Pretax return on assets | 0.1963% | 4,417 |
| Return on Equity (ROE) | 1.4302% | 4,414 |
| Retained earnings to average equity (ytd only) | 1.4302% | 3,894 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4491% | 305 |
| Assets per employee ($millions) | 4.6162% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5880% | 4,471 |
| Loan loss allowance to noncurrent loans | 116.4659% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 1,806 |
| Noncurrent loans to loans | 0.5049% | 1,616 |
| Net loans and leases to total assets | 59.0088% | 2,439 |
| Net loans and leases to deposits | 69.1600% | 2,290 |
| Net loans and leases to core deposits | 70.2128% | 2,477 |
| Total domestic deposits to total assets | 85.3221% | 3,407 |
| Equity capital to assets | 11.5163% | 1,025 |
| Core capital (leverage) ratio | 13.3804% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,571,333 | 4,145 |
| Average earning assets | $79,412,667 | 4,124 |
| Average equity | $10,348,333 | 3,946 |
| Average total loans | $49,906,000 | 3,959 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1171% | 2,926 |
| Cost of funding earning assets | 0.2291% | 2,413 |
| Net interest margin | 2.8880% | 2,878 |
| Noninterest income to average assets | 0.2813% | 3,446 |
| Noninterest expense to average assets | 2.7335% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2344% | 4,272 |
| Return on assets (ROA) | 0.2344% | 4,240 |
| Pretax return on assets | 0.2673% | 4,236 |
| Return on Equity (ROE) | 1.8625% | 4,277 |
| Retained earnings to average equity (ytd only) | 1.8625% | 3,581 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0938% | 501 |
| Assets per employee ($millions) | 4.6883% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 4,514 |
| Loan loss allowance to noncurrent loans | 93.2476% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 1,639 |
| Noncurrent loans to loans | 0.6331% | 1,485 |
| Net loans and leases to total assets | 57.8665% | 2,315 |
| Net loans and leases to deposits | 68.3505% | 2,116 |
| Net loans and leases to core deposits | 69.3917% | 2,342 |
| Total domestic deposits to total assets | 84.6615% | 3,621 |
| Equity capital to assets | 12.1201% | 919 |
| Core capital (leverage) ratio | 13.2855% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,311,500 | 4,158 |
| Average earning assets | $80,331,500 | 4,136 |
| Average equity | $10,738,000 | 3,978 |
| Average total loans | $50,198,500 | 3,970 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1079% | 3,672 |
| Cost of funding earning assets | 0.2915% | 2,486 |
| Net interest margin | 2.8164% | 3,623 |
| Noninterest income to average assets | 0.3884% | 3,112 |
| Noninterest expense to average assets | 2.7139% | 1,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2869% | 4,438 |
| Return on assets (ROA) | 0.2869% | 4,463 |
| Pretax return on assets | 0.3317% | 4,459 |
| Return on Equity (ROE) | 2.1552% | 4,483 |
| Retained earnings to average equity (ytd only) | 2.1552% | 3,938 |
| Net charge-offs to loans | -0.0078% | 3,663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1085% | 355 |
| Assets per employee ($millions) | 4.7908% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5656% | 4,565 |
| Loan loss allowance to noncurrent loans | 86.0534% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 1,663 |
| Noncurrent loans to loans | 0.6573% | 1,521 |
| Net loans and leases to total assets | 59.1229% | 2,256 |
| Net loans and leases to deposits | 70.7168% | 2,051 |
| Net loans and leases to core deposits | 72.0571% | 2,252 |
| Total domestic deposits to total assets | 83.6051% | 3,662 |
| Equity capital to assets | 13.0436% | 885 |
| Core capital (leverage) ratio | 13.2874% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,711,800 | 4,157 |
| Average earning assets | $79,924,800 | 4,134 |
| Average equity | $11,275,200 | 4,008 |
| Average total loans | $51,452,000 | 3,971 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1650% | 3,673 |
| Cost of funding earning assets | 0.3051% | 2,544 |
| Net interest margin | 2.8599% | 3,633 |
| Noninterest income to average assets | 0.2593% | 3,848 |
| Noninterest expense to average assets | 2.6403% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2688% | 4,561 |
| Return on assets (ROA) | 0.2688% | 4,583 |
| Pretax return on assets | 0.3162% | 4,577 |
| Return on Equity (ROE) | 2.0090% | 4,589 |
| Retained earnings to average equity (ytd only) | 2.0090% | 4,183 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3048% | 342 |
| Assets per employee ($millions) | 4.7084% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5505% | 4,671 |
| Loan loss allowance to noncurrent loans | 76.4706% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 1,709 |
| Noncurrent loans to loans | 0.7198% | 1,549 |
| Net loans and leases to total assets | 60.9668% | 2,139 |
| Net loans and leases to deposits | 73.3053% | 1,929 |
| Net loans and leases to core deposits | 74.7238% | 2,171 |
| Total domestic deposits to total assets | 83.1683% | 3,664 |
| Equity capital to assets | 13.3001% | 903 |
| Core capital (leverage) ratio | 13.3444% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,331,250 | 4,210 |
| Average earning assets | $79,533,750 | 4,191 |
| Average equity | $11,282,000 | 4,059 |
| Average total loans | $51,496,500 | 4,021 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1101% | 3,845 |
| Cost of funding earning assets | 0.3221% | 2,569 |
| Net interest margin | 2.7880% | 3,808 |
| Noninterest income to average assets | 0.2589% | 3,840 |
| Noninterest expense to average assets | 2.6369% | 1,756 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2185% | 4,614 |
| Return on assets (ROA) | 0.2185% | 4,631 |
| Pretax return on assets | 0.2542% | 4,631 |
| Return on Equity (ROE) | 1.6304% | 4,630 |
| Retained earnings to average equity (ytd only) | 1.6304% | 4,206 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2079% | 309 |
| Assets per employee ($millions) | 5.0101% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5456% | 4,707 |
| Loan loss allowance to noncurrent loans | 74.4792% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 1,831 |
| Noncurrent loans to loans | 0.7325% | 1,624 |
| Net loans and leases to total assets | 61.2145% | 2,281 |
| Net loans and leases to deposits | 73.7534% | 2,024 |
| Net loans and leases to core deposits | 75.1719% | 2,311 |
| Total domestic deposits to total assets | 82.9989% | 3,706 |
| Equity capital to assets | 13.2522% | 879 |
| Core capital (leverage) ratio | 13.1333% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,191,333 | 4,241 |
| Average earning assets | $79,484,000 | 4,214 |
| Average equity | $11,285,333 | 4,068 |
| Average total loans | $51,343,333 | 4,051 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1405% | 3,801 |
| Cost of funding earning assets | 0.3332% | 2,680 |
| Net interest margin | 2.8073% | 3,751 |
| Noninterest income to average assets | 0.2676% | 3,795 |
| Noninterest expense to average assets | 2.6284% | 1,805 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2533% | 4,586 |
| Return on assets (ROA) | 0.2533% | 4,609 |
| Pretax return on assets | 0.2963% | 4,605 |
| Return on Equity (ROE) | 1.8787% | 4,616 |
| Retained earnings to average equity (ytd only) | 1.8787% | 4,032 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8693% | 375 |
| Assets per employee ($millions) | 5.0094% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5600% | 4,727 |
| Loan loss allowance to noncurrent loans | 91.0828% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 2,323 |
| Noncurrent loans to loans | 0.6149% | 2,032 |
| Net loans and leases to total assets | 59.6301% | 2,586 |
| Net loans and leases to deposits | 71.8830% | 2,324 |
| Net loans and leases to core deposits | 73.9612% | 2,518 |
| Total domestic deposits to total assets | 82.9544% | 3,697 |
| Equity capital to assets | 13.0989% | 885 |
| Core capital (leverage) ratio | 13.4889% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,701,500 | 4,259 |
| Average earning assets | $79,222,500 | 4,231 |
| Average equity | $11,284,500 | 4,078 |
| Average total loans | $50,803,500 | 4,079 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4397% | 4,137 |
| Cost of funding earning assets | 0.4236% | 3,439 |
| Net interest margin | 3.0162% | 3,850 |
| Noninterest income to average assets | 0.2647% | 3,894 |
| Noninterest expense to average assets | 3.4649% | 732 |
| Loan and lease loss provision to assets | 0.0076% | 4,260 |
| Net operating income to assets | -0.2382% | 4,827 |
| Return on assets (ROA) | -0.2382% | 4,841 |
| Pretax return on assets | -0.3806% | 4,859 |
| Return on Equity (ROE) | -1.6377% | 4,834 |
| Retained earnings to average equity (ytd only) | -1.6377% | 4,680 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0669% | 112 |
| Assets per employee ($millions) | 4.8378% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5659% | 4,742 |
| Loan loss allowance to noncurrent loans | 116.7347% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 2,809 |
| Noncurrent loans to loans | 0.4848% | 2,516 |
| Net loans and leases to total assets | 61.1043% | 2,716 |
| Net loans and leases to deposits | 74.8095% | 2,396 |
| Net loans and leases to core deposits | 76.4854% | 2,679 |
| Total domestic deposits to total assets | 81.6799% | 3,734 |
| Equity capital to assets | 13.8784% | 824 |
| Core capital (leverage) ratio | 13.7657% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,338,400 | 4,251 |
| Average earning assets | $74,366,000 | 4,228 |
| Average equity | $11,540,800 | 4,025 |
| Average total loans | $48,656,600 | 4,133 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4747% | 4,250 |
| Cost of funding earning assets | 0.4445% | 3,552 |
| Net interest margin | 3.0301% | 3,904 |
| Noninterest income to average assets | 0.2697% | 3,854 |
| Noninterest expense to average assets | 2.9816% | 1,483 |
| Loan and lease loss provision to assets | 0.0102% | 4,174 |
| Net operating income to assets | 0.1119% | 4,688 |
| Return on assets (ROA) | 0.1119% | 4,717 |
| Pretax return on assets | 0.1102% | 4,721 |
| Return on Equity (ROE) | 0.7604% | 4,731 |
| Retained earnings to average equity (ytd only) | 0.7604% | 4,319 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1181% | 223 |
| Assets per employee ($millions) | 4.2519% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5687% | 4,765 |
| Loan loss allowance to noncurrent loans | 104.0000% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 2,773 |
| Noncurrent loans to loans | 0.5468% | 2,427 |
| Net loans and leases to total assets | 61.8949% | 3,024 |
| Net loans and leases to deposits | 76.7671% | 2,681 |
| Net loans and leases to core deposits | 78.5346% | 2,964 |
| Total domestic deposits to total assets | 80.6268% | 3,746 |
| Equity capital to assets | 14.4900% | 734 |
| Core capital (leverage) ratio | 14.2134% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,612,250 | 4,267 |
| Average earning assets | $73,482,500 | 4,250 |
| Average equity | $11,572,500 | 4,025 |
| Average total loans | $48,185,750 | 4,162 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5295% | 4,377 |
| Cost of funding earning assets | 0.4591% | 3,749 |
| Net interest margin | 3.0704% | 3,969 |
| Noninterest income to average assets | 0.2722% | 3,845 |
| Noninterest expense to average assets | 3.0249% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1156% | 4,667 |
| Return on assets (ROA) | 0.1156% | 4,702 |
| Pretax return on assets | 0.1156% | 4,711 |
| Return on Equity (ROE) | 0.7807% | 4,711 |
| Retained earnings to average equity (ytd only) | 0.7807% | 4,141 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3205% | 237 |
| Assets per employee ($millions) | 4.0080% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5594% | 4,784 |
| Loan loss allowance to noncurrent loans | 86.4198% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4042% | 2,671 |
| Noncurrent loans to loans | 0.6473% | 2,247 |
| Net loans and leases to total assets | 62.0928% | 3,119 |
| Net loans and leases to deposits | 77.4303% | 2,717 |
| Net loans and leases to core deposits | 79.2286% | 3,006 |
| Total domestic deposits to total assets | 80.1919% | 3,795 |
| Equity capital to assets | 14.6184% | 707 |
| Core capital (leverage) ratio | 14.4404% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,887,333 | 4,277 |
| Average earning assets | $72,758,667 | 4,262 |
| Average equity | $11,528,000 | 4,041 |
| Average total loans | $47,484,667 | 4,186 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 4,509 |
| Cost of funding earning assets | 0.4573% | 4,126 |
| Net interest margin | 3.1511% | 3,978 |
| Noninterest income to average assets | 0.2710% | 3,912 |
| Noninterest expense to average assets | 3.2521% | 1,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0052% | 4,753 |
| Return on assets (ROA) | -0.0052% | 4,743 |
| Pretax return on assets | -0.0365% | 4,752 |
| Return on Equity (ROE) | -0.0350% | 4,743 |
| Retained earnings to average equity (ytd only) | -0.0350% | 3,998 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1345% | 219 |
| Assets per employee ($millions) | 3.4742% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6089% | 4,741 |
| Loan loss allowance to noncurrent loans | 146.5969% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 3,450 |
| Noncurrent loans to loans | 0.4154% | 3,005 |
| Net loans and leases to total assets | 59.7922% | 3,519 |
| Net loans and leases to deposits | 75.3893% | 3,131 |
| Net loans and leases to core deposits | 77.2381% | 3,405 |
| Total domestic deposits to total assets | 79.3113% | 3,990 |
| Equity capital to assets | 15.1034% | 740 |
| Core capital (leverage) ratio | 14.8732% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,751,500 | 4,306 |
| Average earning assets | $71,721,000 | 4,288 |
| Average equity | $11,433,000 | 4,074 |
| Average total loans | $46,200,500 | 4,226 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 4,763 |
| Cost of funding earning assets | 0.4805% | 4,167 |
| Net interest margin | 3.1387% | 4,310 |
| Noninterest income to average assets | 0.3475% | 3,623 |
| Noninterest expense to average assets | 3.1510% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1306% | 4,908 |
| Return on assets (ROA) | 0.1306% | 4,923 |
| Pretax return on assets | 0.1319% | 4,928 |
| Return on Equity (ROE) | 0.8961% | 4,926 |
| Retained earnings to average equity (ytd only) | 0.8961% | 4,417 |
| Net charge-offs to loans | 0.0174% | 3,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 12.6250% | 2,404 |
| Efficiency ratio | 95.9809% | 210 |
| Assets per employee ($millions) | 3.8535% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6010% | 4,740 |
| Loan loss allowance to noncurrent loans | 171.1656% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 3,337 |
| Noncurrent loans to loans | 0.3511% | 3,193 |
| Net loans and leases to total assets | 59.8690% | 3,596 |
| Net loans and leases to deposits | 75.2561% | 3,239 |
| Net loans and leases to core deposits | 77.4711% | 3,483 |
| Total domestic deposits to total assets | 79.5537% | 4,061 |
| Equity capital to assets | 14.6905% | 868 |
| Core capital (leverage) ratio | 14.6767% | 752 |
| Tier 1 risk-based capital ratio | 30.7426% | 449 |
| Total risk-based capital ratio | 31.5032% | 458 |
| Memoranda: | ||
| Average total assets | $76,546,600 | 4,344 |
| Average earning assets | $71,590,200 | 4,322 |
| Average equity | $11,160,000 | 4,101 |
| Average total loans | $45,985,000 | 4,260 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6326% | 4,853 |
| Cost of funding earning assets | 0.4683% | 4,269 |
| Net interest margin | 3.1643% | 4,373 |
| Noninterest income to average assets | 0.3961% | 3,342 |
| Noninterest expense to average assets | 3.1389% | 1,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1972% | 4,951 |
| Return on assets (ROA) | 0.1972% | 4,972 |
| Pretax return on assets | 0.2164% | 4,975 |
| Return on Equity (ROE) | 1.3549% | 4,980 |
| Retained earnings to average equity (ytd only) | 1.3549% | 4,472 |
| Net charge-offs to loans | 0.0116% | 2,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 31.0188% | 1,590 |
| Efficiency ratio | 93.5517% | 244 |
| Assets per employee ($millions) | 3.8527% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6101% | 4,799 |
| Loan loss allowance to noncurrent loans | 145.8763% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 3,179 |
| Noncurrent loans to loans | 0.4182% | 3,046 |
| Net loans and leases to total assets | 59.8341% | 3,689 |
| Net loans and leases to deposits | 75.4529% | 3,348 |
| Net loans and leases to core deposits | 78.0207% | 3,547 |
| Total domestic deposits to total assets | 79.3000% | 4,120 |
| Equity capital to assets | 14.7197% | 924 |
| Core capital (leverage) ratio | 14.6959% | 817 |
| Tier 1 risk-based capital ratio | 32.4296% | 413 |
| Total risk-based capital ratio | 33.2424% | 421 |
| Memoranda: | ||
| Average total assets | $76,415,750 | 4,396 |
| Average earning assets | $71,462,250 | 4,378 |
| Average equity | $11,119,500 | 4,144 |
| Average total loans | $45,876,250 | 4,316 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6299% | 4,910 |
| Cost of funding earning assets | 0.4464% | 4,337 |
| Net interest margin | 3.1836% | 4,394 |
| Noninterest income to average assets | 0.4593% | 2,916 |
| Noninterest expense to average assets | 3.1652% | 1,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2388% | 4,953 |
| Return on assets (ROA) | 0.2388% | 4,965 |
| Pretax return on assets | 0.2703% | 4,961 |
| Return on Equity (ROE) | 1.6478% | 4,988 |
| Retained earnings to average equity (ytd only) | 1.6478% | 4,227 |
| Net charge-offs to loans | 0.0175% | 2,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 1,585 |
| Efficiency ratio | 92.1314% | 276 |
| Assets per employee ($millions) | 3.6885% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6197% | 4,838 |
| Loan loss allowance to noncurrent loans | 132.0930% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 3,184 |
| Noncurrent loans to loans | 0.4692% | 2,871 |
| Net loans and leases to total assets | 58.7950% | 3,843 |
| Net loans and leases to deposits | 74.1763% | 3,505 |
| Net loans and leases to core deposits | 76.6765% | 3,672 |
| Total domestic deposits to total assets | 79.2639% | 4,170 |
| Equity capital to assets | 14.5535% | 933 |
| Core capital (leverage) ratio | 14.7098% | 769 |
| Tier 1 risk-based capital ratio | 31.9000% | 421 |
| Total risk-based capital ratio | 32.7040% | 429 |
| Memoranda: | ||
| Average total assets | $76,203,330 | 4,432 |
| Average earning assets | $71,240,670 | 4,418 |
| Average equity | $11,045,330 | 4,164 |
| Average total loans | $45,706,000 | 4,352 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6059% | 4,964 |
| Cost of funding earning assets | 0.4019% | 4,474 |
| Net interest margin | 3.2040% | 4,375 |
| Noninterest income to average assets | 0.2805% | 4,006 |
| Noninterest expense to average assets | 3.1439% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1323% | 5,071 |
| Return on assets (ROA) | 0.1323% | 5,077 |
| Pretax return on assets | 0.1323% | 5,083 |
| Return on Equity (ROE) | 0.9148% | 5,082 |
| Retained earnings to average equity (ytd only) | 0.9148% | 4,332 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9612% | 227 |
| Assets per employee ($millions) | 3.8127% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6244% | 4,893 |
| Loan loss allowance to noncurrent loans | 106.2963% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 2,715 |
| Noncurrent loans to loans | 0.5874% | 2,572 |
| Net loans and leases to total assets | 59.9019% | 3,719 |
| Net loans and leases to deposits | 75.7898% | 3,281 |
| Net loans and leases to core deposits | 78.0483% | 3,518 |
| Total domestic deposits to total assets | 79.0369% | 4,342 |
| Equity capital to assets | 14.4899% | 881 |
| Core capital (leverage) ratio | 14.9434% | 713 |
| Tier 1 risk-based capital ratio | 31.9883% | 412 |
| Total risk-based capital ratio | 32.8079% | 420 |
| Memoranda: | ||
| Average total assets | $75,575,500 | 4,491 |
| Average earning assets | $70,661,500 | 4,476 |
| Average equity | $10,931,500 | 4,202 |
| Average total loans | $45,646,000 | 4,396 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5845% | 4,815 |
| Cost of funding earning assets | 0.3327% | 4,391 |
| Net interest margin | 3.2518% | 4,379 |
| Noninterest income to average assets | 0.2688% | 4,308 |
| Noninterest expense to average assets | 2.9950% | 2,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3063% | 4,999 |
| Return on assets (ROA) | 0.3013% | 4,999 |
| Pretax return on assets | 0.3156% | 5,032 |
| Return on Equity (ROE) | 2.2207% | 5,016 |
| Retained earnings to average equity (ytd only) | 2.2207% | 4,274 |
| Net charge-offs to loans | 0.0260% | 2,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 20.5833% | 1,990 |
| Efficiency ratio | 90.3251% | 331 |
| Assets per employee ($millions) | 3.7449% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6332% | 4,921 |
| Loan loss allowance to noncurrent loans | 105.1282% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 2,624 |
| Noncurrent loans to loans | 0.6023% | 2,474 |
| Net loans and leases to total assets | 60.1365% | 3,755 |
| Net loans and leases to deposits | 74.8326% | 3,435 |
| Net loans and leases to core deposits | 77.0564% | 3,640 |
| Total domestic deposits to total assets | 80.3613% | 4,024 |
| Equity capital to assets | 14.4383% | 857 |
| Core capital (leverage) ratio | 14.8061% | 731 |
| Tier 1 risk-based capital ratio | 32.8707% | 371 |
| Total risk-based capital ratio | 33.7146% | 380 |
| Memoranda: | ||
| Average total assets | $76,994,800 | 4,484 |
| Average earning assets | $72,143,600 | 4,454 |
| Average equity | $10,447,000 | 4,242 |
| Average total loans | $46,117,800 | 4,398 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5686% | 4,854 |
| Cost of funding earning assets | 0.3266% | 4,333 |
| Net interest margin | 3.2420% | 4,427 |
| Noninterest income to average assets | 0.2683% | 4,357 |
| Noninterest expense to average assets | 3.0633% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2511% | 5,151 |
| Return on assets (ROA) | 0.2511% | 5,145 |
| Pretax return on assets | 0.2442% | 5,179 |
| Return on Equity (ROE) | 1.8798% | 5,146 |
| Retained earnings to average equity (ytd only) | 1.8798% | 4,617 |
| Net charge-offs to loans | 0.0345% | 2,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 11.8331% | 2,489 |
| Efficiency ratio | 92.6157% | 270 |
| Assets per employee ($millions) | 3.7904% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6272% | 5,004 |
| Loan loss allowance to noncurrent loans | 89.4081% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 2,559 |
| Noncurrent loans to loans | 0.7015% | 2,319 |
| Net loans and leases to total assets | 59.9858% | 3,844 |
| Net loans and leases to deposits | 75.3567% | 3,471 |
| Net loans and leases to core deposits | 77.2159% | 3,720 |
| Total domestic deposits to total assets | 79.6024% | 4,198 |
| Equity capital to assets | 13.8851% | 995 |
| Core capital (leverage) ratio | 14.5339% | 811 |
| Tier 1 risk-based capital ratio | 32.5441% | 380 |
| Total risk-based capital ratio | 33.3861% | 388 |
| Memoranda: | ||
| Average total assets | $77,519,000 | 4,519 |
| Average earning assets | $72,668,750 | 4,491 |
| Average equity | $10,355,250 | 4,297 |
| Average total loans | $46,315,250 | 4,434 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5637% | 4,824 |
| Cost of funding earning assets | 0.3247% | 4,240 |
| Net interest margin | 3.2390% | 4,415 |
| Noninterest income to average assets | 0.2638% | 4,422 |
| Noninterest expense to average assets | 3.0811% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2536% | 5,178 |
| Return on assets (ROA) | 0.2536% | 5,173 |
| Pretax return on assets | 0.2228% | 5,223 |
| Return on Equity (ROE) | 1.9226% | 5,183 |
| Retained earnings to average equity (ytd only) | 1.9226% | 4,488 |
| Net charge-offs to loans | 0.0516% | 1,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 7.2500% | 2,564 |
| Efficiency ratio | 93.2558% | 279 |
| Assets per employee ($millions) | 3.8590% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6230% | 5,063 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 2,769 |
| Noncurrent loans to loans | 0.7120% | 2,329 |
| Net loans and leases to total assets | 59.3172% | 3,873 |
| Net loans and leases to deposits | 73.7761% | 3,563 |
| Net loans and leases to core deposits | 75.5375% | 3,775 |
| Total domestic deposits to total assets | 80.4017% | 4,153 |
| Equity capital to assets | 13.6616% | 1,042 |
| Core capital (leverage) ratio | 14.2769% | 830 |
| Tier 1 risk-based capital ratio | 32.1740% | 404 |
| Total risk-based capital ratio | 33.0100% | 412 |
| Memoranda: | ||
| Average total assets | $78,089,330 | 4,554 |
| Average earning assets | $73,295,000 | 4,521 |
| Average equity | $10,298,330 | 4,342 |
| Average total loans | $46,500,000 | 4,471 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4852% | 4,905 |
| Cost of funding earning assets | 0.3090% | 4,277 |
| Net interest margin | 3.1762% | 4,541 |
| Noninterest income to average assets | 0.2852% | 4,267 |
| Noninterest expense to average assets | 3.1727% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0968% | 5,333 |
| Return on assets (ROA) | 0.0968% | 5,329 |
| Pretax return on assets | 0.0968% | 5,338 |
| Return on Equity (ROE) | 0.7469% | 5,328 |
| Retained earnings to average equity (ytd only) | 0.7469% | 4,677 |
| Net charge-offs to loans | 0.1027% | 1,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.5833% | 2,542 |
| Efficiency ratio | 97.0405% | 226 |
| Assets per employee ($millions) | 3.9053% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6180% | 5,155 |
| Loan loss allowance to noncurrent loans | 62.0690% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 2,348 |
| Noncurrent loans to loans | 0.9956% | 1,835 |
| Net loans and leases to total assets | 59.2989% | 3,817 |
| Net loans and leases to deposits | 74.1649% | 3,401 |
| Net loans and leases to core deposits | 75.8682% | 3,680 |
| Total domestic deposits to total assets | 79.9554% | 4,426 |
| Equity capital to assets | 12.9004% | 1,294 |
| Core capital (leverage) ratio | 13.3679% | 1,049 |
| Tier 1 risk-based capital ratio | 30.1400% | 466 |
| Total risk-based capital ratio | 30.9695% | 474 |
| Memoranda: | ||
| Average total assets | $78,544,000 | 4,596 |
| Average earning assets | $73,798,000 | 4,558 |
| Average equity | $10,175,500 | 4,404 |
| Average total loans | $46,716,000 | 4,514 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4665% | 4,840 |
| Cost of funding earning assets | 0.3274% | 3,896 |
| Net interest margin | 3.1391% | 4,602 |
| Noninterest income to average assets | 0.3175% | 4,191 |
| Noninterest expense to average assets | 2.9298% | 2,353 |
| Loan and lease loss provision to assets | 0.0039% | 4,170 |
| Net operating income to assets | 0.4030% | 4,681 |
| Return on assets (ROA) | 0.3874% | 4,743 |
| Pretax return on assets | 0.3123% | 5,196 |
| Return on Equity (ROE) | 3.3491% | 4,730 |
| Retained earnings to average equity (ytd only) | 3.3491% | 3,291 |
| Net charge-offs to loans | 0.0188% | 3,473 |
| Credit loss provision to net charge-offs | 33.3333% | 3,506 |
| Earnings coverage of net charge-offs (x) | 28.4444% | 1,602 |
| Efficiency ratio | 89.8292% | 441 |
| Assets per employee ($millions) | 3.7610% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6406% | 5,173 |
| Loan loss allowance to noncurrent loans | 57.5816% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 0.7204% | 2,169 |
| Noncurrent loans to loans | 1.1126% | 1,588 |
| Net loans and leases to total assets | 58.9096% | 3,932 |
| Net loans and leases to deposits | 72.5945% | 3,637 |
| Net loans and leases to core deposits | 74.2121% | 3,864 |
| Total domestic deposits to total assets | 81.1489% | 4,083 |
| Equity capital to assets | 13.0093% | 1,263 |
| Core capital (leverage) ratio | 13.4014% | 1,007 |
| Tier 1 risk-based capital ratio | 29.8278% | 468 |
| Total risk-based capital ratio | 30.6844% | 478 |
| Memoranda: | ||
| Average total assets | $77,173,400 | 4,640 |
| Average earning assets | $72,378,000 | 4,613 |
| Average equity | $8,927,800 | 4,626 |
| Average total loans | $47,775,200 | 4,519 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4656% | 4,872 |
| Cost of funding earning assets | 0.3282% | 3,860 |
| Net interest margin | 3.1374% | 4,604 |
| Noninterest income to average assets | 0.3180% | 4,264 |
| Noninterest expense to average assets | 2.8866% | 2,457 |
| Loan and lease loss provision to assets | 0.0052% | 4,017 |
| Net operating income to assets | 0.2854% | 5,246 |
| Return on assets (ROA) | 0.2989% | 5,238 |
| Pretax return on assets | 0.3841% | 5,213 |
| Return on Equity (ROE) | 2.6694% | 5,184 |
| Retained earnings to average equity (ytd only) | 2.6694% | 4,299 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5867% | 474 |
| Assets per employee ($millions) | 3.8715% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6559% | 5,229 |
| Loan loss allowance to noncurrent loans | 60.9467% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 2,398 |
| Noncurrent loans to loans | 1.0762% | 1,789 |
| Net loans and leases to total assets | 60.4456% | 3,812 |
| Net loans and leases to deposits | 73.4764% | 3,623 |
| Net loans and leases to core deposits | 74.8106% | 3,903 |
| Total domestic deposits to total assets | 82.2653% | 3,693 |
| Equity capital to assets | 11.2334% | 2,635 |
| Core capital (leverage) ratio | 11.5209% | 2,001 |
| Tier 1 risk-based capital ratio | 25.3414% | 718 |
| Total risk-based capital ratio | 26.2316% | 740 |
| Memoranda: | ||
| Average total assets | $76,721,250 | 4,697 |
| Average earning assets | $71,905,250 | 4,669 |
| Average equity | $8,591,000 | 4,734 |
| Average total loans | $48,012,000 | 4,558 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4525% | 4,871 |
| Cost of funding earning assets | 0.3293% | 3,800 |
| Net interest margin | 3.1232% | 4,623 |
| Noninterest income to average assets | 0.3295% | 4,188 |
| Noninterest expense to average assets | 2.8476% | 2,587 |
| Loan and lease loss provision to assets | 0.0078% | 3,774 |
| Net operating income to assets | 0.3086% | 5,200 |
| Return on assets (ROA) | 0.3086% | 5,222 |
| Pretax return on assets | 0.4001% | 5,175 |
| Return on Equity (ROE) | 2.7585% | 5,180 |
| Retained earnings to average equity (ytd only) | 2.7585% | 4,055 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4699% | 577 |
| Assets per employee ($millions) | 4.0360% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6506% | 5,294 |
| Loan loss allowance to noncurrent loans | 34.7973% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.2076% | 1,410 |
| Noncurrent loans to loans | 1.8696% | 941 |
| Net loans and leases to total assets | 61.5357% | 3,682 |
| Net loans and leases to deposits | 75.2912% | 3,428 |
| Net loans and leases to core deposits | 76.6773% | 3,709 |
| Total domestic deposits to total assets | 81.7302% | 3,967 |
| Equity capital to assets | 11.2879% | 2,505 |
| Core capital (leverage) ratio | 11.4301% | 2,024 |
| Tier 1 risk-based capital ratio | 25.0394% | 745 |
| Total risk-based capital ratio | 25.9244% | 764 |
| Memoranda: | ||
| Average total assets | $76,485,000 | 4,737 |
| Average earning assets | $71,658,330 | 4,705 |
| Average equity | $8,555,330 | 4,760 |
| Average total loans | $48,312,000 | 4,570 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4538% | 4,821 |
| Cost of funding earning assets | 0.3297% | 3,746 |
| Net interest margin | 3.1241% | 4,586 |
| Noninterest income to average assets | 0.2723% | 4,598 |
| Noninterest expense to average assets | 2.8906% | 2,482 |
| Loan and lease loss provision to assets | 0.0157% | 3,366 |
| Net operating income to assets | 0.2356% | 5,338 |
| Return on assets (ROA) | 0.2356% | 5,349 |
| Pretax return on assets | 0.2932% | 5,321 |
| Return on Equity (ROE) | 2.1164% | 5,317 |
| Retained earnings to average equity (ytd only) | 2.1164% | 4,296 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3437% | 542 |
| Assets per employee ($millions) | 4.0414% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6370% | 5,418 |
| Loan loss allowance to noncurrent loans | 45.7101% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 1,987 |
| Noncurrent loans to loans | 1.3937% | 1,449 |
| Net loans and leases to total assets | 62.7667% | 3,429 |
| Net loans and leases to deposits | 76.8652% | 3,096 |
| Net loans and leases to core deposits | 78.2746% | 3,443 |
| Total domestic deposits to total assets | 81.6581% | 4,260 |
| Equity capital to assets | 11.1075% | 2,525 |
| Core capital (leverage) ratio | 11.4398% | 1,995 |
| Tier 1 risk-based capital ratio | 24.4908% | 822 |
| Total risk-based capital ratio | 25.3637% | 841 |
| Memoranda: | ||
| Average total assets | $76,385,500 | 4,784 |
| Average earning assets | $71,573,000 | 4,755 |
| Average equity | $8,505,000 | 4,813 |
| Average total loans | $48,719,500 | 4,601 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5015% | 4,779 |
| Cost of funding earning assets | 0.3921% | 3,074 |
| Net interest margin | 3.1094% | 4,706 |
| Noninterest income to average assets | 0.4278% | 3,692 |
| Noninterest expense to average assets | 2.8402% | 2,875 |
| Loan and lease loss provision to assets | 0.0966% | 2,436 |
| Net operating income to assets | 0.3222% | 5,161 |
| Return on assets (ROA) | 0.3222% | 5,237 |
| Pretax return on assets | 0.3930% | 5,236 |
| Return on Equity (ROE) | 2.9308% | 5,180 |
| Retained earnings to average equity (ytd only) | 2.9308% | 3,816 |
| Net charge-offs to loans | 0.0301% | 3,417 |
| Credit loss provision to net charge-offs | 500.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 25.3333% | 1,594 |
| Efficiency ratio | 85.2941% | 880 |
| Assets per employee ($millions) | 3.9992% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6253% | 5,491 |
| Loan loss allowance to noncurrent loans | 55.2347% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 0.7791% | 2,404 |
| Noncurrent loans to loans | 1.1321% | 1,814 |
| Net loans and leases to total assets | 63.9968% | 3,359 |
| Net loans and leases to deposits | 78.5311% | 3,039 |
| Net loans and leases to core deposits | 79.9868% | 3,398 |
| Total domestic deposits to total assets | 81.4924% | 4,209 |
| Equity capital to assets | 11.1614% | 2,470 |
| Core capital (leverage) ratio | 11.3354% | 2,053 |
| Tier 1 risk-based capital ratio | 24.4264% | 824 |
| Total risk-based capital ratio | 25.2932% | 842 |
| Memoranda: | ||
| Average total assets | $77,600,200 | 4,777 |
| Average earning assets | $72,426,400 | 4,751 |
| Average equity | $8,530,200 | 4,834 |
| Average total loans | $49,835,800 | 4,581 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 4,770 |
| Cost of funding earning assets | 0.4088% | 2,936 |
| Net interest margin | 3.1056% | 4,761 |
| Noninterest income to average assets | 0.4598% | 3,491 |
| Noninterest expense to average assets | 2.7417% | 3,208 |
| Loan and lease loss provision to assets | 0.1282% | 1,820 |
| Net operating income to assets | 0.3914% | 5,046 |
| Return on assets (ROA) | 0.3914% | 5,137 |
| Pretax return on assets | 0.4854% | 5,157 |
| Return on Equity (ROE) | 3.5742% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.5742% | 3,750 |
| Net charge-offs to loans | 0.0266% | 3,136 |
| Credit loss provision to net charge-offs | 750.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 35.9077% | 1,324 |
| Efficiency ratio | 81.7117% | 1,228 |
| Assets per employee ($millions) | 3.8588% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 5,557 |
| Loan loss allowance to noncurrent loans | 51.3201% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 0.8746% | 2,364 |
| Noncurrent loans to loans | 1.2379% | 1,813 |
| Net loans and leases to total assets | 63.0287% | 3,521 |
| Net loans and leases to deposits | 77.8276% | 3,201 |
| Net loans and leases to core deposits | 78.9057% | 3,565 |
| Total domestic deposits to total assets | 80.9850% | 4,252 |
| Equity capital to assets | 11.2263% | 2,770 |
| Core capital (leverage) ratio | 11.2133% | 2,257 |
| Tier 1 risk-based capital ratio | 24.5948% | 849 |
| Total risk-based capital ratio | 25.4838% | 867 |
| Memoranda: | ||
| Average total assets | $78,004,000 | 4,806 |
| Average earning assets | $72,726,000 | 4,781 |
| Average equity | $8,542,500 | 4,878 |
| Average total loans | $50,061,250 | 4,608 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5253% | 4,799 |
| Cost of funding earning assets | 0.4256% | 2,773 |
| Net interest margin | 3.0998% | 4,836 |
| Noninterest income to average assets | 0.5238% | 3,044 |
| Noninterest expense to average assets | 2.7644% | 3,153 |
| Loan and lease loss provision to assets | 0.1916% | 1,132 |
| Net operating income to assets | 0.3832% | 5,086 |
| Return on assets (ROA) | 0.3832% | 5,168 |
| Pretax return on assets | 0.4522% | 5,243 |
| Return on Equity (ROE) | 3.5286% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.5286% | 3,650 |
| Net charge-offs to loans | -0.0079% | 4,634 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1094% | 1,374 |
| Assets per employee ($millions) | 3.7047% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6506% | 5,612 |
| Loan loss allowance to noncurrent loans | 56.2718% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 0.7776% | 2,656 |
| Noncurrent loans to loans | 1.1561% | 1,984 |
| Net loans and leases to total assets | 63.4031% | 3,447 |
| Net loans and leases to deposits | 78.2981% | 3,124 |
| Net loans and leases to core deposits | 78.9447% | 3,557 |
| Total domestic deposits to total assets | 80.9766% | 4,285 |
| Equity capital to assets | 11.0670% | 2,980 |
| Core capital (leverage) ratio | 10.9912% | 2,438 |
| Tier 1 risk-based capital ratio | 24.2897% | 878 |
| Total risk-based capital ratio | 25.2102% | 890 |
| Memoranda: | ||
| Average total assets | $78,280,000 | 4,856 |
| Average earning assets | $72,844,330 | 4,823 |
| Average equity | $8,502,000 | 4,922 |
| Average total loans | $50,430,330 | 4,629 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5092% | 4,873 |
| Cost of funding earning assets | 0.4441% | 2,644 |
| Net interest margin | 3.0651% | 4,961 |
| Noninterest income to average assets | 0.6215% | 2,408 |
| Noninterest expense to average assets | 2.7203% | 3,350 |
| Loan and lease loss provision to assets | 0.3821% | 374 |
| Net operating income to assets | 0.2394% | 5,451 |
| Return on assets (ROA) | 0.2394% | 5,516 |
| Pretax return on assets | 0.3668% | 5,367 |
| Return on Equity (ROE) | 2.2254% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.2254% | 4,368 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4141% | 1,836 |
| Assets per employee ($millions) | 3.9160% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6327% | 5,698 |
| Loan loss allowance to noncurrent loans | 56.9149% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 0.7597% | 2,800 |
| Noncurrent loans to loans | 1.1116% | 2,177 |
| Net loans and leases to total assets | 64.3705% | 3,195 |
| Net loans and leases to deposits | 79.5089% | 2,865 |
| Net loans and leases to core deposits | 80.1600% | 3,301 |
| Total domestic deposits to total assets | 80.9602% | 4,505 |
| Equity capital to assets | 10.8031% | 3,159 |
| Core capital (leverage) ratio | 10.4877% | 2,982 |
| Tier 1 risk-based capital ratio | 23.6501% | 953 |
| Total risk-based capital ratio | 24.5515% | 975 |
| Memoranda: | ||
| Average total assets | $78,520,500 | 4,892 |
| Average earning assets | $72,951,500 | 4,863 |
| Average equity | $8,448,000 | 4,963 |
| Average total loans | $50,820,500 | 4,651 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 4,638 |
| Cost of funding earning assets | 0.5297% | 1,927 |
| Net interest margin | 3.0817% | 4,946 |
| Noninterest income to average assets | 0.0933% | 5,893 |
| Noninterest expense to average assets | 2.6121% | 3,881 |
| Loan and lease loss provision to assets | 0.1207% | 1,989 |
| Net operating income to assets | 0.1542% | 5,668 |
| Return on assets (ROA) | 0.1542% | 5,716 |
| Pretax return on assets | 0.2264% | 5,653 |
| Return on Equity (ROE) | 1.4765% | 5,690 |
| Retained earnings to average equity (ytd only) | 1.4765% | 4,883 |
| Net charge-offs to loans | 0.2311% | 1,287 |
| Credit loss provision to net charge-offs | 81.5126% | 2,919 |
| Earnings coverage of net charge-offs (x) | 2.3445% | 3,926 |
| Efficiency ratio | 88.2724% | 816 |
| Assets per employee ($millions) | 3.9361% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4833% | 5,933 |
| Loan loss allowance to noncurrent loans | 82.2742% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 3,310 |
| Noncurrent loans to loans | 0.5874% | 3,406 |
| Net loans and leases to total assets | 64.3526% | 3,221 |
| Net loans and leases to deposits | 79.7052% | 2,854 |
| Net loans and leases to core deposits | 80.3563% | 3,305 |
| Total domestic deposits to total assets | 80.7383% | 4,557 |
| Equity capital to assets | 10.7151% | 3,113 |
| Core capital (leverage) ratio | 10.4277% | 3,024 |
| Tier 1 risk-based capital ratio | 23.5921% | 946 |
| Total risk-based capital ratio | 24.2851% | 997 |
| Memoranda: | ||
| Average total assets | $80,396,400 | 4,864 |
| Average earning assets | $74,763,800 | 4,838 |
| Average equity | $8,398,000 | 4,978 |
| Average total loans | $51,497,000 | 4,619 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5888% | 4,773 |
| Cost of funding earning assets | 0.5428% | 1,864 |
| Net interest margin | 3.0460% | 5,085 |
| Noninterest income to average assets | 0.2541% | 5,124 |
| Noninterest expense to average assets | 2.5655% | 4,000 |
| Loan and lease loss provision to assets | 0.0594% | 2,998 |
| Net operating income to assets | 0.3118% | 5,420 |
| Return on assets (ROA) | 0.3118% | 5,505 |
| Pretax return on assets | 0.4619% | 5,319 |
| Return on Equity (ROE) | 3.0039% | 5,388 |
| Retained earnings to average equity (ytd only) | 3.0039% | 4,303 |
| Net charge-offs to loans | 0.3021% | 886 |
| Credit loss provision to net charge-offs | 30.7692% | 3,264 |
| Earnings coverage of net charge-offs (x) | 2.7008% | 3,617 |
| Efficiency ratio | 83.1106% | 1,250 |
| Assets per employee ($millions) | 4.0257% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3616% | 6,108 |
| Loan loss allowance to noncurrent loans | 48.4456% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8408% | 2,775 |
| Noncurrent loans to loans | 0.7464% | 3,091 |
| Net loans and leases to total assets | 63.9963% | 3,310 |
| Net loans and leases to deposits | 79.3660% | 2,950 |
| Net loans and leases to core deposits | 80.0006% | 3,425 |
| Total domestic deposits to total assets | 80.6344% | 4,569 |
| Equity capital to assets | 10.6019% | 3,472 |
| Core capital (leverage) ratio | 10.4656% | 3,079 |
| Tier 1 risk-based capital ratio | 23.2260% | 1,028 |
| Total risk-based capital ratio | 23.7407% | 1,107 |
| Memoranda: | ||
| Average total assets | $80,815,250 | 4,908 |
| Average earning assets | $75,157,500 | 4,893 |
| Average equity | $8,388,750 | 5,045 |
| Average total loans | $51,645,000 | 4,669 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5789% | 4,781 |
| Cost of funding earning assets | 0.5527% | 1,791 |
| Net interest margin | 3.0263% | 5,161 |
| Noninterest income to average assets | 0.2496% | 5,164 |
| Noninterest expense to average assets | 2.4915% | 4,270 |
| Loan and lease loss provision to assets | 0.0593% | 2,913 |
| Net operating income to assets | 0.3485% | 5,304 |
| Return on assets (ROA) | 0.3485% | 5,409 |
| Pretax return on assets | 0.5141% | 5,186 |
| Return on Equity (ROE) | 3.3814% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.3814% | 3,885 |
| Net charge-offs to loans | 0.1433% | 1,638 |
| Credit loss provision to net charge-offs | 64.8649% | 2,541 |
| Earnings coverage of net charge-offs (x) | 6.2703% | 2,807 |
| Efficiency ratio | 81.2903% | 1,586 |
| Assets per employee ($millions) | 3.6830% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4955% | 6,091 |
| Loan loss allowance to noncurrent loans | 72.4432% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 3,429 |
| Noncurrent loans to loans | 0.6840% | 3,436 |
| Net loans and leases to total assets | 63.1945% | 3,388 |
| Net loans and leases to deposits | 78.4279% | 2,976 |
| Net loans and leases to core deposits | 79.5563% | 3,437 |
| Total domestic deposits to total assets | 80.5766% | 4,724 |
| Equity capital to assets | 10.4176% | 3,538 |
| Core capital (leverage) ratio | 10.4248% | 3,056 |
| Tier 1 risk-based capital ratio | 23.0518% | 1,075 |
| Total risk-based capital ratio | 23.7522% | 1,116 |
| Memoranda: | ||
| Average total assets | $80,915,670 | 4,954 |
| Average earning assets | $75,273,670 | 4,937 |
| Average equity | $8,339,670 | 5,090 |
| Average total loans | $51,622,330 | 4,705 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5599% | 4,801 |
| Cost of funding earning assets | 0.5641% | 1,711 |
| Net interest margin | 2.9959% | 5,227 |
| Noninterest income to average assets | 0.2226% | 5,363 |
| Noninterest expense to average assets | 2.5130% | 4,223 |
| Loan and lease loss provision to assets | 0.0594% | 2,745 |
| Net operating income to assets | 0.2968% | 5,431 |
| Return on assets (ROA) | 0.2968% | 5,528 |
| Pretax return on assets | 0.4353% | 5,347 |
| Return on Equity (ROE) | 2.8954% | 5,418 |
| Retained earnings to average equity (ytd only) | 2.8954% | 4,230 |
| Net charge-offs to loans | 0.2862% | 834 |
| Credit loss provision to net charge-offs | 32.4324% | 2,255 |
| Earnings coverage of net charge-offs (x) | 2.7027% | 2,713 |
| Efficiency ratio | 83.5526% | 1,423 |
| Assets per employee ($millions) | 3.6820% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4716% | 6,191 |
| Loan loss allowance to noncurrent loans | 83.2192% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6222% | 3,621 |
| Noncurrent loans to loans | 0.5667% | 3,888 |
| Net loans and leases to total assets | 63.3097% | 3,191 |
| Net loans and leases to deposits | 78.7434% | 2,711 |
| Net loans and leases to core deposits | 79.8779% | 3,182 |
| Total domestic deposits to total assets | 80.4000% | 4,962 |
| Equity capital to assets | 10.2932% | 3,782 |
| Core capital (leverage) ratio | 10.3948% | 3,106 |
| Tier 1 risk-based capital ratio | 22.8900% | 1,122 |
| Total risk-based capital ratio | 23.5594% | 1,186 |
| Memoranda: | ||
| Average total assets | $80,860,500 | 5,009 |
| Average earning assets | $75,170,000 | 4,984 |
| Average equity | $8,289,000 | 5,140 |
| Average total loans | $51,704,000 | 4,747 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5883% | 5,112 |
| Cost of funding earning assets | 0.6002% | 1,760 |
| Net interest margin | 2.9881% | 5,471 |
| Noninterest income to average assets | 0.2974% | 4,996 |
| Noninterest expense to average assets | 2.5888% | 4,261 |
| Loan and lease loss provision to assets | 0.0367% | 3,845 |
| Net operating income to assets | 0.3036% | 5,507 |
| Return on assets (ROA) | 0.3036% | 5,581 |
| Pretax return on assets | 0.4627% | 5,349 |
| Return on Equity (ROE) | 3.4063% | 5,326 |
| Retained earnings to average equity (ytd only) | 3.4063% | 3,783 |
| Net charge-offs to loans | 0.2467% | 1,735 |
| Credit loss provision to net charge-offs | 22.9008% | 3,939 |
| Earnings coverage of net charge-offs (x) | 3.1145% | 3,974 |
| Efficiency ratio | 83.8288% | 1,432 |
| Assets per employee ($millions) | 4.0358% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5166% | 6,239 |
| Loan loss allowance to noncurrent loans | 37.7997% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 1.1026% | 2,547 |
| Noncurrent loans to loans | 1.3666% | 2,146 |
| Net loans and leases to total assets | 63.9440% | 3,232 |
| Net loans and leases to deposits | 79.7186% | 2,752 |
| Net loans and leases to core deposits | 80.8740% | 3,204 |
| Total domestic deposits to total assets | 80.2121% | 4,964 |
| Equity capital to assets | 10.2086% | 3,843 |
| Core capital (leverage) ratio | 10.1662% | 3,352 |
| Tier 1 risk-based capital ratio | 21.9590% | 1,229 |
| Total risk-based capital ratio | 22.6723% | 1,297 |
| Memoranda: | ||
| Average total assets | $81,696,600 | 5,023 |
| Average earning assets | $76,303,600 | 4,978 |
| Average equity | $7,280,600 | 5,353 |
| Average total loans | $53,110,800 | 4,722 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 5,172 |
| Cost of funding earning assets | 0.6090% | 1,758 |
| Net interest margin | 2.9788% | 5,548 |
| Noninterest income to average assets | 0.3140% | 4,928 |
| Noninterest expense to average assets | 2.6164% | 4,145 |
| Loan and lease loss provision to assets | 0.0293% | 3,823 |
| Net operating income to assets | 0.2978% | 5,591 |
| Return on assets (ROA) | 0.2978% | 5,666 |
| Pretax return on assets | 0.4540% | 5,457 |
| Return on Equity (ROE) | 3.4654% | 5,378 |
| Retained earnings to average equity (ytd only) | 3.4654% | 4,164 |
| Net charge-offs to loans | 0.3245% | 1,234 |
| Credit loss provision to net charge-offs | 13.8462% | 3,652 |
| Earnings coverage of net charge-offs (x) | 2.2846% | 3,953 |
| Efficiency ratio | 84.4094% | 1,345 |
| Assets per employee ($millions) | 3.8293% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4917% | 6,349 |
| Loan loss allowance to noncurrent loans | 43.1208% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 0.9662% | 3,034 |
| Noncurrent loans to loans | 1.1404% | 2,778 |
| Net loans and leases to total assets | 64.6733% | 3,077 |
| Net loans and leases to deposits | 80.9901% | 2,550 |
| Net loans and leases to core deposits | 82.5521% | 3,051 |
| Total domestic deposits to total assets | 79.8533% | 5,135 |
| Equity capital to assets | 10.0665% | 4,086 |
| Core capital (leverage) ratio | 10.1193% | 3,508 |
| Tier 1 risk-based capital ratio | 20.6624% | 1,514 |
| Total risk-based capital ratio | 21.3112% | 1,627 |
| Memoranda: | ||
| Average total assets | $81,941,750 | 5,069 |
| Average earning assets | $76,628,750 | 5,018 |
| Average equity | $7,040,750 | 5,452 |
| Average total loans | $53,418,250 | 4,755 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5990% | 5,153 |
| Cost of funding earning assets | 0.6136% | 1,782 |
| Net interest margin | 2.9854% | 5,567 |
| Noninterest income to average assets | 0.2814% | 5,175 |
| Noninterest expense to average assets | 2.5979% | 4,246 |
| Loan and lease loss provision to assets | 0.0291% | 3,691 |
| Net operating income to assets | 0.2984% | 5,573 |
| Return on assets (ROA) | 0.2984% | 5,642 |
| Pretax return on assets | 0.4512% | 5,418 |
| Return on Equity (ROE) | 3.6775% | 5,278 |
| Retained earnings to average equity (ytd only) | 3.6775% | 3,851 |
| Net charge-offs to loans | 0.4238% | 963 |
| Credit loss provision to net charge-offs | 10.5263% | 3,297 |
| Earnings coverage of net charge-offs (x) | 1.7368% | 3,725 |
| Efficiency ratio | 84.3972% | 1,454 |
| Assets per employee ($millions) | 3.7258% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5044% | 6,408 |
| Loan loss allowance to noncurrent loans | 36.4754% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 1.0724% | 2,924 |
| Noncurrent loans to loans | 1.3830% | 2,492 |
| Net loans and leases to total assets | 64.2482% | 3,036 |
| Net loans and leases to deposits | 78.9988% | 2,657 |
| Net loans and leases to core deposits | 82.1115% | 2,962 |
| Total domestic deposits to total assets | 81.3281% | 4,870 |
| Equity capital to assets | 8.5241% | 5,779 |
| Core capital (leverage) ratio | 8.7313% | 5,357 |
| Tier 1 risk-based capital ratio | 18.5965% | 2,039 |
| Total risk-based capital ratio | 19.2935% | 2,197 |
| Memoranda: | ||
| Average total assets | $82,450,670 | 5,097 |
| Average earning assets | $77,243,000 | 5,038 |
| Average equity | $6,689,330 | 5,561 |
| Average total loans | $53,803,000 | 4,755 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6292% | 5,069 |
| Cost of funding earning assets | 0.6169% | 1,842 |
| Net interest margin | 3.0124% | 5,493 |
| Noninterest income to average assets | 0.1983% | 5,773 |
| Noninterest expense to average assets | 2.6460% | 4,126 |
| Loan and lease loss provision to assets | 0.0290% | 3,446 |
| Net operating income to assets | 0.2370% | 5,699 |
| Return on assets (ROA) | 0.2370% | 5,744 |
| Pretax return on assets | 0.3580% | 5,576 |
| Return on Equity (ROE) | 2.9967% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.9967% | 4,313 |
| Net charge-offs to loans | 0.2507% | 1,323 |
| Credit loss provision to net charge-offs | 17.6471% | 2,530 |
| Earnings coverage of net charge-offs (x) | 2.3529% | 2,896 |
| Efficiency ratio | 87.2408% | 1,315 |
| Assets per employee ($millions) | 4.1108% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6325% | 6,367 |
| Loan loss allowance to noncurrent loans | 53.0327% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 0.9803% | 3,301 |
| Noncurrent loans to loans | 1.1927% | 3,054 |
| Net loans and leases to total assets | 65.1564% | 2,705 |
| Net loans and leases to deposits | 79.9323% | 2,297 |
| Net loans and leases to core deposits | 83.0630% | 2,637 |
| Total domestic deposits to total assets | 81.5145% | 5,085 |
| Equity capital to assets | 8.1456% | 5,946 |
| Core capital (leverage) ratio | 8.6438% | 5,467 |
| Tier 1 risk-based capital ratio | 19.0538% | 1,950 |
| Total risk-based capital ratio | 19.9757% | 2,012 |
| Memoranda: | ||
| Average total assets | $82,692,000 | 5,140 |
| Average earning assets | $77,813,000 | 5,073 |
| Average equity | $6,540,500 | 5,628 |
| Average total loans | $54,239,500 | 4,785 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 5,037 |
| Cost of funding earning assets | 0.7447% | 1,532 |
| Net interest margin | 2.9862% | 5,607 |
| Noninterest income to average assets | 0.1946% | 5,922 |
| Noninterest expense to average assets | 2.5137% | 4,724 |
| Loan and lease loss provision to assets | 0.0563% | 4,023 |
| Net operating income to assets | 0.2849% | 5,572 |
| Return on assets (ROA) | 0.2849% | 5,669 |
| Pretax return on assets | 0.4314% | 5,409 |
| Return on Equity (ROE) | 3.6764% | 5,249 |
| Retained earnings to average equity (ytd only) | 3.6764% | 3,604 |
| Net charge-offs to loans | 0.0197% | 5,044 |
| Credit loss provision to net charge-offs | 436.3636% | 520 |
| Earnings coverage of net charge-offs (x) | 37.8182% | 991 |
| Efficiency ratio | 83.7500% | 1,656 |
| Assets per employee ($millions) | 3.9604% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 6,379 |
| Loan loss allowance to noncurrent loans | 64.7368% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 0.8633% | 3,730 |
| Noncurrent loans to loans | 1.0445% | 3,421 |
| Net loans and leases to total assets | 65.1693% | 2,831 |
| Net loans and leases to deposits | 79.4477% | 2,526 |
| Net loans and leases to core deposits | 82.5000% | 2,838 |
| Total domestic deposits to total assets | 82.0279% | 4,864 |
| Equity capital to assets | 7.6760% | 6,195 |
| Core capital (leverage) ratio | 8.4393% | 5,735 |
| Tier 1 risk-based capital ratio | 18.5575% | 2,061 |
| Total risk-based capital ratio | 19.5356% | 2,113 |
| Memoranda: | ||
| Average total assets | $85,294,000 | 5,104 |
| Average earning assets | $80,168,000 | 5,032 |
| Average equity | $6,609,800 | 5,669 |
| Average total loans | $55,832,400 | 4,754 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7487% | 5,037 |
| Cost of funding earning assets | 0.7765% | 1,446 |
| Net interest margin | 2.9722% | 5,660 |
| Noninterest income to average assets | 0.1880% | 6,065 |
| Noninterest expense to average assets | 2.4530% | 4,868 |
| Loan and lease loss provision to assets | 0.0466% | 4,083 |
| Net operating income to assets | 0.3185% | 5,550 |
| Return on assets (ROA) | 0.3185% | 5,662 |
| Pretax return on assets | 0.4831% | 5,404 |
| Return on Equity (ROE) | 4.1002% | 5,172 |
| Retained earnings to average equity (ytd only) | 4.1002% | 3,772 |
| Net charge-offs to loans | 0.0261% | 4,602 |
| Credit loss provision to net charge-offs | 272.7273% | 929 |
| Earnings coverage of net charge-offs (x) | 30.9925% | 1,212 |
| Efficiency ratio | 82.2396% | 1,798 |
| Assets per employee ($millions) | 3.7685% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6332% | 6,523 |
| Loan loss allowance to noncurrent loans | 72.5207% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7623% | 4,201 |
| Noncurrent loans to loans | 0.8731% | 4,072 |
| Net loans and leases to total assets | 66.4427% | 2,568 |
| Net loans and leases to deposits | 81.6352% | 2,181 |
| Net loans and leases to core deposits | 83.5330% | 2,701 |
| Total domestic deposits to total assets | 81.3898% | 5,112 |
| Equity capital to assets | 7.8981% | 6,213 |
| Core capital (leverage) ratio | 8.2787% | 5,992 |
| Tier 1 risk-based capital ratio | 18.7640% | 2,059 |
| Total risk-based capital ratio | 19.7100% | 2,127 |
| Memoranda: | ||
| Average total assets | $85,825,500 | 5,131 |
| Average earning assets | $80,701,250 | 5,069 |
| Average equity | $6,666,250 | 5,728 |
| Average total loans | $56,148,250 | 4,790 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 5,116 |
| Cost of funding earning assets | 0.8235% | 1,292 |
| Net interest margin | 2.8872% | 5,818 |
| Noninterest income to average assets | 0.1636% | 6,236 |
| Noninterest expense to average assets | 2.3480% | 5,217 |
| Loan and lease loss provision to assets | 0.0277% | 4,378 |
| Net operating income to assets | 0.3318% | 5,483 |
| Return on assets (ROA) | 0.3318% | 5,643 |
| Pretax return on assets | 0.5023% | 5,369 |
| Return on Equity (ROE) | 4.2949% | 5,098 |
| Retained earnings to average equity (ytd only) | 4.2949% | 3,556 |
| Net charge-offs to loans | 0.0390% | 4,130 |
| Credit loss provision to net charge-offs | 109.0909% | 2,027 |
| Earnings coverage of net charge-offs (x) | 20.9091% | 1,435 |
| Efficiency ratio | 81.5853% | 1,950 |
| Assets per employee ($millions) | 3.8414% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5960% | 6,621 |
| Loan loss allowance to noncurrent loans | 42.6376% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 1.0993% | 3,529 |
| Noncurrent loans to loans | 1.3978% | 3,200 |
| Net loans and leases to total assets | 65.7193% | 2,634 |
| Net loans and leases to deposits | 80.6061% | 2,232 |
| Net loans and leases to core deposits | 82.8473% | 2,714 |
| Total domestic deposits to total assets | 81.5314% | 5,208 |
| Equity capital to assets | 7.7422% | 6,343 |
| Core capital (leverage) ratio | 8.0750% | 6,124 |
| Tier 1 risk-based capital ratio | 18.2325% | 2,230 |
| Total risk-based capital ratio | 19.1123% | 2,333 |
| Memoranda: | ||
| Average total assets | $86,798,670 | 5,132 |
| Average earning assets | $81,602,670 | 5,065 |
| Average equity | $6,705,670 | 5,755 |
| Average total loans | $56,385,670 | 4,809 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 5,153 |
| Cost of funding earning assets | 0.9110% | 939 |
| Net interest margin | 2.7911% | 6,051 |
| Noninterest income to average assets | 0.1637% | 6,279 |
| Noninterest expense to average assets | 2.3970% | 5,133 |
| Loan and lease loss provision to assets | 0.0273% | 4,124 |
| Net operating income to assets | 0.2365% | 5,771 |
| Return on assets (ROA) | 0.2365% | 5,897 |
| Pretax return on assets | 0.3593% | 5,684 |
| Return on Equity (ROE) | 3.0647% | 5,565 |
| Retained earnings to average equity (ytd only) | 3.0647% | 4,442 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1111% | 1,504 |
| Assets per employee ($millions) | 4.1969% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6000% | 6,707 |
| Loan loss allowance to noncurrent loans | 41.0693% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 1.3514% | 3,253 |
| Noncurrent loans to loans | 1.4608% | 3,375 |
| Net loans and leases to total assets | 63.5396% | 2,797 |
| Net loans and leases to deposits | 77.9488% | 2,344 |
| Net loans and leases to core deposits | 83.4153% | 2,403 |
| Total domestic deposits to total assets | 81.5145% | 5,357 |
| Equity capital to assets | 7.7042% | 6,522 |
| Core capital (leverage) ratio | 7.7933% | 6,295 |
| Tier 1 risk-based capital ratio | 17.8092% | 2,441 |
| Total risk-based capital ratio | 18.6933% | 2,543 |
| Memoranda: | ||
| Average total assets | $87,942,500 | 5,152 |
| Average earning assets | $82,547,500 | 5,073 |
| Average equity | $6,787,000 | 5,793 |
| Average total loans | $56,642,000 | 4,834 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 5,361 |
| Cost of funding earning assets | 0.9433% | 1,682 |
| Net interest margin | 3.0421% | 5,946 |
| Noninterest income to average assets | 0.2432% | 5,712 |
| Noninterest expense to average assets | 3.8662% | 1,139 |
| Loan and lease loss provision to assets | 0.1062% | 4,308 |
| Net operating income to assets | -0.5618% | 6,601 |
| Return on assets (ROA) | -0.5596% | 6,633 |
| Pretax return on assets | -0.8818% | 6,700 |
| Return on Equity (ROE) | -6.6491% | 6,642 |
| Retained earnings to average equity (ytd only) | -6.6491% | 6,509 |
| Net charge-offs to loans | 0.0370% | 5,402 |
| Credit loss provision to net charge-offs | 428.5714% | 559 |
| Earnings coverage of net charge-offs (x) | -31.4286% | 5,970 |
| Efficiency ratio | 125.2390% | 176 |
| Assets per employee ($millions) | 4.1786% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 6,779 |
| Loan loss allowance to noncurrent loans | 34.4041% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 1.6023% | 2,989 |
| Noncurrent loans to loans | 1.6946% | 3,079 |
| Net loans and leases to total assets | 64.5166% | 2,809 |
| Net loans and leases to deposits | 79.5118% | 2,355 |
| Net loans and leases to core deposits | 84.3789% | 2,505 |
| Total domestic deposits to total assets | 81.1410% | 5,361 |
| Equity capital to assets | 7.7310% | 6,536 |
| Core capital (leverage) ratio | 8.0439% | 6,152 |
| Tier 1 risk-based capital ratio | 17.5566% | 2,438 |
| Total risk-based capital ratio | 18.4192% | 2,548 |
| Memoranda: | ||
| Average total assets | $84,708,400 | 5,231 |
| Average earning assets | $79,189,000 | 5,153 |
| Average equity | $7,128,800 | 5,723 |
| Average total loans | $56,731,600 | 4,842 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0412% | 5,387 |
| Cost of funding earning assets | 0.9725% | 1,726 |
| Net interest margin | 3.0687% | 6,016 |
| Noninterest income to average assets | 0.2430% | 5,808 |
| Noninterest expense to average assets | 2.6301% | 4,636 |
| Loan and lease loss provision to assets | 0.1429% | 3,744 |
| Net operating income to assets | 0.2286% | 5,843 |
| Return on assets (ROA) | 0.2319% | 6,017 |
| Pretax return on assets | 0.3415% | 5,867 |
| Return on Equity (ROE) | 2.6980% | 5,798 |
| Retained earnings to average equity (ytd only) | 2.6980% | 4,938 |
| Net charge-offs to loans | 0.0494% | 4,961 |
| Credit loss provision to net charge-offs | 428.5714% | 626 |
| Earnings coverage of net charge-offs (x) | 14.3807% | 1,837 |
| Efficiency ratio | 84.5761% | 1,522 |
| Assets per employee ($millions) | 3.9320% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5837% | 6,884 |
| Loan loss allowance to noncurrent loans | 32.7739% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 1.7851% | 2,935 |
| Noncurrent loans to loans | 1.7810% | 3,108 |
| Net loans and leases to total assets | 68.4829% | 2,220 |
| Net loans and leases to deposits | 80.3316% | 2,341 |
| Net loans and leases to core deposits | 84.3381% | 2,658 |
| Total domestic deposits to total assets | 85.2503% | 3,638 |
| Equity capital to assets | 8.8142% | 6,009 |
| Core capital (leverage) ratio | 8.9130% | 5,177 |
| Tier 1 risk-based capital ratio | 18.8165% | 2,066 |
| Total risk-based capital ratio | 19.6633% | 2,170 |
| Memoranda: | ||
| Average total assets | $83,947,750 | 5,300 |
| Average earning assets | $78,424,000 | 5,231 |
| Average equity | $7,215,000 | 5,766 |
| Average total loans | $56,678,000 | 4,896 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 5,303 |
| Cost of funding earning assets | 0.9814% | 1,872 |
| Net interest margin | 3.1244% | 5,931 |
| Noninterest income to average assets | 0.2369% | 5,874 |
| Noninterest expense to average assets | 2.5851% | 4,825 |
| Loan and lease loss provision to assets | 0.1422% | 3,740 |
| Net operating income to assets | 0.2914% | 5,650 |
| Return on assets (ROA) | 0.2914% | 5,852 |
| Pretax return on assets | 0.4289% | 5,636 |
| Return on Equity (ROE) | 3.4195% | 5,520 |
| Retained earnings to average equity (ytd only) | 3.4195% | 4,325 |
| Net charge-offs to loans | 0.0742% | 4,409 |
| Credit loss provision to net charge-offs | 285.7143% | 1,023 |
| Earnings coverage of net charge-offs (x) | 11.4762% | 1,956 |
| Efficiency ratio | 81.9069% | 1,891 |
| Assets per employee ($millions) | 3.8159% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5344% | 6,998 |
| Loan loss allowance to noncurrent loans | 85.0704% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 4,358 |
| Noncurrent loans to loans | 0.6282% | 5,251 |
| Net loans and leases to total assets | 66.9529% | 2,472 |
| Net loans and leases to deposits | 78.4587% | 2,604 |
| Net loans and leases to core deposits | 82.0996% | 2,948 |
| Total domestic deposits to total assets | 85.3353% | 3,694 |
| Equity capital to assets | 8.6623% | 6,064 |
| Core capital (leverage) ratio | 8.7897% | 5,230 |
| Tier 1 risk-based capital ratio | 18.7976% | 2,031 |
| Total risk-based capital ratio | 19.5696% | 2,157 |
| Memoranda: | ||
| Average total assets | $84,406,670 | 5,317 |
| Average earning assets | $78,863,000 | 5,243 |
| Average equity | $7,194,000 | 5,787 |
| Average total loans | $56,611,000 | 4,927 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1966% | 5,113 |
| Cost of funding earning assets | 1.0011% | 1,978 |
| Net interest margin | 3.1955% | 5,794 |
| Noninterest income to average assets | 0.2269% | 6,000 |
| Noninterest expense to average assets | 2.5427% | 5,011 |
| Loan and lease loss provision to assets | 0.1418% | 3,584 |
| Net operating income to assets | 0.3734% | 5,374 |
| Return on assets (ROA) | 0.3734% | 5,555 |
| Pretax return on assets | 0.5293% | 5,335 |
| Return on Equity (ROE) | 4.4165% | 5,087 |
| Retained earnings to average equity (ytd only) | 4.4165% | 3,948 |
| Net charge-offs to loans | 0.0141% | 4,499 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 470 |
| Efficiency ratio | 79.1176% | 2,328 |
| Assets per employee ($millions) | 3.5352% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5114% | 7,057 |
| Loan loss allowance to noncurrent loans | 47.7833% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2482% | 4,054 |
| Noncurrent loans to loans | 1.0703% | 4,562 |
| Net loans and leases to total assets | 66.7236% | 2,345 |
| Net loans and leases to deposits | 78.0906% | 2,490 |
| Net loans and leases to core deposits | 81.6780% | 2,874 |
| Total domestic deposits to total assets | 85.4439% | 3,821 |
| Equity capital to assets | 8.4249% | 6,151 |
| Core capital (leverage) ratio | 8.7085% | 5,280 |
| Tier 1 risk-based capital ratio | 18.5321% | 2,137 |
| Total risk-based capital ratio | 19.2699% | 2,251 |
| Memoranda: | ||
| Average total assets | $84,635,000 | 5,350 |
| Average earning assets | $79,111,000 | 5,268 |
| Average equity | $7,155,000 | 5,821 |
| Average total loans | $56,662,000 | 4,957 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 5,535 |
| Cost of funding earning assets | 1.1618% | 2,273 |
| Net interest margin | 3.2083% | 6,069 |
| Noninterest income to average assets | 0.2461% | 5,773 |
| Noninterest expense to average assets | 2.6505% | 4,920 |
| Loan and lease loss provision to assets | 0.1593% | 4,634 |
| Net operating income to assets | 0.2997% | 5,254 |
| Return on assets (ROA) | 0.2997% | 5,407 |
| Pretax return on assets | 0.4376% | 5,179 |
| Return on Equity (ROE) | 3.6202% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.6202% | 3,634 |
| Net charge-offs to loans | 0.3999% | 3,418 |
| Credit loss provision to net charge-offs | 58.5153% | 5,208 |
| Earnings coverage of net charge-offs (x) | 2.1921% | 4,141 |
| Efficiency ratio | 81.6185% | 2,076 |
| Assets per employee ($millions) | 3.5178% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4661% | 7,126 |
| Loan loss allowance to noncurrent loans | 50.6744% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 1.1478% | 4,323 |
| Noncurrent loans to loans | 0.9199% | 4,853 |
| Net loans and leases to total assets | 66.5186% | 2,683 |
| Net loans and leases to deposits | 78.1560% | 2,816 |
| Net loans and leases to core deposits | 81.4631% | 3,253 |
| Total domestic deposits to total assets | 85.1100% | 3,781 |
| Equity capital to assets | 8.4832% | 6,163 |
| Core capital (leverage) ratio | 8.6402% | 5,332 |
| Tier 1 risk-based capital ratio | 18.4309% | 2,068 |
| Total risk-based capital ratio | 19.1013% | 2,223 |
| Memoranda: | ||
| Average total assets | $84,096,400 | 5,336 |
| Average earning assets | $78,670,200 | 5,274 |
| Average equity | $6,961,000 | 5,874 |
| Average total loans | $57,269,800 | 4,974 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3888% | 5,644 |
| Cost of funding earning assets | 1.1841% | 2,421 |
| Net interest margin | 3.2047% | 6,152 |
| Noninterest income to average assets | 0.2523% | 5,813 |
| Noninterest expense to average assets | 2.6423% | 4,931 |
| Loan and lease loss provision to assets | 0.1650% | 4,414 |
| Net operating income to assets | 0.2999% | 5,395 |
| Return on assets (ROA) | 0.2999% | 5,569 |
| Pretax return on assets | 0.4428% | 5,334 |
| Return on Equity (ROE) | 3.6463% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.6463% | 4,157 |
| Net charge-offs to loans | 0.3943% | 3,140 |
| Credit loss provision to net charge-offs | 61.1765% | 4,775 |
| Earnings coverage of net charge-offs (x) | 2.2529% | 4,001 |
| Efficiency ratio | 81.2988% | 2,073 |
| Assets per employee ($millions) | 3.4975% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5133% | 7,161 |
| Loan loss allowance to noncurrent loans | 52.5180% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.0555% | 4,658 |
| Noncurrent loans to loans | 0.9773% | 4,933 |
| Net loans and leases to total assets | 67.4247% | 2,591 |
| Net loans and leases to deposits | 79.3698% | 2,751 |
| Net loans and leases to core deposits | 82.6849% | 3,232 |
| Total domestic deposits to total assets | 84.9501% | 3,786 |
| Equity capital to assets | 8.4393% | 6,358 |
| Core capital (leverage) ratio | 8.6044% | 5,546 |
| Tier 1 risk-based capital ratio | 18.2811% | 2,157 |
| Total risk-based capital ratio | 19.0258% | 2,309 |
| Memoranda: | ||
| Average total assets | $84,014,000 | 5,377 |
| Average earning assets | $78,591,750 | 5,310 |
| Average equity | $6,910,750 | 5,927 |
| Average total loans | $57,481,750 | 5,019 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 5,702 |
| Cost of funding earning assets | 1.1962% | 2,604 |
| Net interest margin | 3.2017% | 6,157 |
| Noninterest income to average assets | 0.2166% | 6,118 |
| Noninterest expense to average assets | 2.7249% | 4,724 |
| Loan and lease loss provision to assets | 0.1428% | 4,520 |
| Net operating income to assets | 0.2356% | 5,611 |
| Return on assets (ROA) | 0.2356% | 5,730 |
| Pretax return on assets | 0.3427% | 5,569 |
| Return on Equity (ROE) | 2.8892% | 5,440 |
| Retained earnings to average equity (ytd only) | 2.8892% | 4,447 |
| Net charge-offs to loans | 0.5236% | 2,529 |
| Credit loss provision to net charge-offs | 39.7351% | 4,821 |
| Earnings coverage of net charge-offs (x) | 1.3510% | 4,272 |
| Efficiency ratio | 84.8777% | 1,716 |
| Assets per employee ($millions) | 3.3541% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4711% | 7,246 |
| Loan loss allowance to noncurrent loans | 34.9020% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 1.5193% | 3,921 |
| Noncurrent loans to loans | 1.3497% | 4,400 |
| Net loans and leases to total assets | 67.2773% | 2,770 |
| Net loans and leases to deposits | 79.2064% | 2,939 |
| Net loans and leases to core deposits | 81.8341% | 3,527 |
| Total domestic deposits to total assets | 84.9391% | 3,901 |
| Equity capital to assets | 8.2764% | 6,449 |
| Core capital (leverage) ratio | 8.4587% | 5,617 |
| Tier 1 risk-based capital ratio | 17.9526% | 2,189 |
| Total risk-based capital ratio | 18.6298% | 2,356 |
| Memoranda: | ||
| Average total assets | $84,038,330 | 5,423 |
| Average earning assets | $78,584,330 | 5,359 |
| Average equity | $6,853,000 | 5,959 |
| Average total loans | $57,679,330 | 5,058 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 5,705 |
| Cost of funding earning assets | 1.2072% | 2,773 |
| Net interest margin | 3.1904% | 6,097 |
| Noninterest income to average assets | 0.1997% | 6,290 |
| Noninterest expense to average assets | 2.7481% | 4,651 |
| Loan and lease loss provision to assets | 0.1426% | 4,226 |
| Net operating income to assets | 0.1997% | 5,784 |
| Return on assets (ROA) | 0.1997% | 5,845 |
| Pretax return on assets | 0.2995% | 5,650 |
| Return on Equity (ROE) | 2.4671% | 5,611 |
| Retained earnings to average equity (ytd only) | 2.4671% | 4,676 |
| Net charge-offs to loans | 0.6875% | 1,840 |
| Credit loss provision to net charge-offs | 30.0000% | 4,116 |
| Earnings coverage of net charge-offs (x) | 0.9300% | 3,956 |
| Efficiency ratio | 86.1401% | 1,703 |
| Assets per employee ($millions) | 3.3662% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5008% | 7,280 |
| Loan loss allowance to noncurrent loans | 26.3014% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 1.4984% | 4,003 |
| Noncurrent loans to loans | 1.9040% | 3,697 |
| Net loans and leases to total assets | 67.9980% | 2,549 |
| Net loans and leases to deposits | 80.0557% | 2,718 |
| Net loans and leases to core deposits | 82.3850% | 3,403 |
| Total domestic deposits to total assets | 84.9383% | 4,060 |
| Equity capital to assets | 8.1232% | 6,369 |
| Core capital (leverage) ratio | 8.3501% | 5,713 |
| Tier 1 risk-based capital ratio | 17.1574% | 2,417 |
| Total risk-based capital ratio | 17.8612% | 2,594 |
| Memoranda: | ||
| Average total assets | $84,131,000 | 5,464 |
| Average earning assets | $78,862,500 | 5,393 |
| Average equity | $6,809,500 | 5,986 |
| Average total loans | $58,178,500 | 5,081 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 6,597 |
| Cost of funding earning assets | 1.5394% | 2,411 |
| Net interest margin | 2.8708% | 6,935 |
| Noninterest income to average assets | 0.2099% | 6,301 |
| Noninterest expense to average assets | 2.5332% | 5,670 |
| Loan and lease loss provision to assets | 0.0563% | 6,579 |
| Net operating income to assets | 0.2334% | 5,168 |
| Return on assets (ROA) | 0.2334% | 5,318 |
| Pretax return on assets | 0.3237% | 5,167 |
| Return on Equity (ROE) | 3.0093% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.0093% | 3,743 |
| Net charge-offs to loans | 0.0897% | 5,944 |
| Credit loss provision to net charge-offs | 92.3077% | 5,024 |
| Earnings coverage of net charge-offs (x) | 6.2308% | 2,410 |
| Efficiency ratio | 86.9565% | 1,574 |
| Assets per employee ($millions) | 3.3643% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6084% | 7,252 |
| Loan loss allowance to noncurrent loans | 42.1176% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 4,787 |
| Noncurrent loans to loans | 1.4444% | 4,317 |
| Net loans and leases to total assets | 69.5392% | 2,648 |
| Net loans and leases to deposits | 81.8495% | 2,838 |
| Net loans and leases to core deposits | 85.1713% | 3,444 |
| Total domestic deposits to total assets | 84.9598% | 3,867 |
| Equity capital to assets | 8.0646% | 6,426 |
| Core capital (leverage) ratio | 8.0313% | 6,150 |
| Tier 1 risk-based capital ratio | 16.8677% | 2,399 |
| Total risk-based capital ratio | 17.7329% | 2,499 |
| Memoranda: | ||
| Average total assets | $85,266,800 | 5,431 |
| Average earning assets | $80,290,800 | 5,335 |
| Average equity | $6,612,800 | 6,166 |
| Average total loans | $57,949,600 | 5,160 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 6,770 |
| Cost of funding earning assets | 1.6190% | 2,283 |
| Net interest margin | 2.8080% | 7,121 |
| Noninterest income to average assets | 0.2088% | 6,414 |
| Noninterest expense to average assets | 2.4498% | 5,883 |
| Loan and lease loss provision to assets | 0.0748% | 6,306 |
| Net operating income to assets | 0.2338% | 5,411 |
| Return on assets (ROA) | 0.2338% | 5,572 |
| Pretax return on assets | 0.3304% | 5,424 |
| Return on Equity (ROE) | 3.0440% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.0440% | 4,304 |
| Net charge-offs to loans | 0.1201% | 5,346 |
| Credit loss provision to net charge-offs | 92.3077% | 4,678 |
| Earnings coverage of net charge-offs (x) | 5.0001% | 2,875 |
| Efficiency ratio | 85.8079% | 1,653 |
| Assets per employee ($millions) | 3.6747% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6227% | 7,319 |
| Loan loss allowance to noncurrent loans | 46.9201% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 1.0137% | 5,064 |
| Noncurrent loans to loans | 1.3271% | 4,645 |
| Net loans and leases to total assets | 64.7848% | 3,955 |
| Net loans and leases to deposits | 75.9178% | 4,195 |
| Net loans and leases to core deposits | 78.8210% | 4,697 |
| Total domestic deposits to total assets | 85.3354% | 3,444 |
| Equity capital to assets | 7.6878% | 7,005 |
| Core capital (leverage) ratio | 7.8909% | 6,475 |
| Tier 1 risk-based capital ratio | 16.6607% | 2,479 |
| Total risk-based capital ratio | 17.5213% | 2,599 |
| Memoranda: | ||
| Average total assets | $85,556,500 | 5,482 |
| Average earning assets | $80,625,750 | 5,380 |
| Average equity | $6,570,250 | 6,252 |
| Average total loans | $57,725,500 | 5,245 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 6,538 |
| Cost of funding earning assets | 1.7677% | 1,781 |
| Net interest margin | 2.8018% | 7,142 |
| Noninterest income to average assets | 0.2031% | 6,453 |
| Noninterest expense to average assets | 2.4139% | 6,028 |
| Loan and lease loss provision to assets | 0.0567% | 6,389 |
| Net operating income to assets | 0.2622% | 5,328 |
| Return on assets (ROA) | 0.2622% | 5,473 |
| Pretax return on assets | 0.3755% | 5,289 |
| Return on Equity (ROE) | 3.4152% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.4152% | 3,942 |
| Net charge-offs to loans | 0.1799% | 4,529 |
| Credit loss provision to net charge-offs | 46.1538% | 5,501 |
| Earnings coverage of net charge-offs (x) | 3.5192% | 3,295 |
| Efficiency ratio | 84.8133% | 1,832 |
| Assets per employee ($millions) | 3.6864% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5843% | 7,432 |
| Loan loss allowance to noncurrent loans | 40.1442% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 1.0885% | 4,955 |
| Noncurrent loans to loans | 1.4556% | 4,524 |
| Net loans and leases to total assets | 64.2290% | 4,212 |
| Net loans and leases to deposits | 75.3011% | 4,463 |
| Net loans and leases to core deposits | 78.0684% | 4,940 |
| Total domestic deposits to total assets | 85.2962% | 3,467 |
| Equity capital to assets | 7.5864% | 7,066 |
| Core capital (leverage) ratio | 7.7517% | 6,554 |
| Tier 1 risk-based capital ratio | 16.7002% | 2,399 |
| Total risk-based capital ratio | 17.5096% | 2,522 |
| Memoranda: | ||
| Average total assets | $84,678,000 | 5,543 |
| Average earning assets | $79,878,330 | 5,446 |
| Average equity | $6,500,330 | 6,298 |
| Average total loans | $57,803,000 | 5,274 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7156% | 6,190 |
| Cost of funding earning assets | 1.8791% | 1,539 |
| Net interest margin | 2.8365% | 7,125 |
| Noninterest income to average assets | 0.2271% | 6,332 |
| Noninterest expense to average assets | 2.3967% | 6,101 |
| Loan and lease loss provision to assets | 0.0580% | 6,075 |
| Net operating income to assets | 0.3044% | 5,286 |
| Return on assets (ROA) | 0.3044% | 5,409 |
| Pretax return on assets | 0.4494% | 5,135 |
| Return on Equity (ROE) | 3.9409% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.9409% | 3,774 |
| Net charge-offs to loans | 0.1308% | 4,176 |
| Credit loss provision to net charge-offs | 63.1579% | 4,239 |
| Earnings coverage of net charge-offs (x) | 5.5263% | 2,382 |
| Efficiency ratio | 82.5291% | 2,203 |
| Assets per employee ($millions) | 3.8670% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6129% | 7,478 |
| Loan loss allowance to noncurrent loans | 37.7660% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 1.3083% | 4,578 |
| Noncurrent loans to loans | 1.6229% | 4,313 |
| Net loans and leases to total assets | 67.6646% | 3,471 |
| Net loans and leases to deposits | 79.8604% | 3,679 |
| Net loans and leases to core deposits | 83.2646% | 4,304 |
| Total domestic deposits to total assets | 84.7286% | 3,790 |
| Equity capital to assets | 7.7497% | 6,886 |
| Core capital (leverage) ratio | 8.3050% | 5,730 |
| Tier 1 risk-based capital ratio | 16.9755% | 2,277 |
| Total risk-based capital ratio | 17.8562% | 2,362 |
| Memoranda: | ||
| Average total assets | $82,780,000 | 5,670 |
| Average earning assets | $78,124,000 | 5,570 |
| Average equity | $6,394,500 | 6,384 |
| Average total loans | $58,124,500 | 5,333 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3284% | 5,034 |
| Cost of funding earning assets | 2.1771% | 2,129 |
| Net interest margin | 3.1513% | 6,223 |
| Noninterest income to average assets | 0.2579% | 6,264 |
| Noninterest expense to average assets | 2.4941% | 6,150 |
| Loan and lease loss provision to assets | 0.0335% | 7,196 |
| Net operating income to assets | 0.4746% | 3,838 |
| Return on assets (ROA) | 0.4746% | 3,943 |
| Pretax return on assets | 0.7170% | 3,516 |
| Return on Equity (ROE) | 5.8342% | 3,280 |
| Retained earnings to average equity (ytd only) | 3.4561% | 2,748 |
| Net charge-offs to loans | 0.0635% | 6,474 |
| Credit loss provision to net charge-offs | 72.2222% | 6,445 |
| Earnings coverage of net charge-offs (x) | 16.1667% | 1,266 |
| Efficiency ratio | 76.8680% | 3,377 |
| Assets per employee ($millions) | 4.0243% | 3,770 |
| Cash dividends to net income (ytd only)* | 40.7609% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6206% | 7,529 |
| Loan loss allowance to noncurrent loans | 35.0436% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 1.4984% | 4,135 |
| Noncurrent loans to loans | 1.7710% | 3,980 |
| Net loans and leases to total assets | 72.0212% | 2,748 |
| Net loans and leases to deposits | 85.7703% | 2,952 |
| Net loans and leases to core deposits | 97.6451% | 4,264 |
| Total domestic deposits to total assets | 83.9699% | 4,039 |
| Equity capital to assets | 7.6982% | 6,861 |
| Core capital (leverage) ratio | 8.4067% | 5,424 |
| Tier 1 risk-based capital ratio | 17.3592% | 2,062 |
| Total risk-based capital ratio | 18.2861% | 2,103 |
| Memoranda: | ||
| Average total assets | $77,541,600 | 5,795 |
| Average earning assets | $73,492,800 | 5,703 |
| Average equity | $6,307,600 | 6,498 |
| Average total loans | $56,662,200 | 5,393 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3518% | 5,167 |
| Cost of funding earning assets | 2.2282% | 2,282 |
| Net interest margin | 3.1235% | 6,249 |
| Noninterest income to average assets | 0.2621% | 6,356 |
| Noninterest expense to average assets | 2.4789% | 6,146 |
| Loan and lease loss provision to assets | 0.0278% | 7,070 |
| Net operating income to assets | 0.4739% | 4,101 |
| Return on assets (ROA) | 0.4739% | 4,201 |
| Pretax return on assets | 0.7169% | 3,797 |
| Return on Equity (ROE) | 5.7452% | 3,630 |
| Retained earnings to average equity (ytd only) | 5.7452% | 2,083 |
| Net charge-offs to loans | 0.0830% | 5,852 |
| Credit loss provision to net charge-offs | 45.7143% | 6,367 |
| Earnings coverage of net charge-offs (x) | 12.2561% | 1,779 |
| Efficiency ratio | 76.8982% | 3,340 |
| Assets per employee ($millions) | 3.9669% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6094% | 7,564 |
| Loan loss allowance to noncurrent loans | 37.2756% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 1.6877% | 3,844 |
| Noncurrent loans to loans | 1.6347% | 4,192 |
| Net loans and leases to total assets | 72.5727% | 2,894 |
| Net loans and leases to deposits | 86.9875% | 3,147 |
| Net loans and leases to core deposits | 98.9687% | 4,488 |
| Total domestic deposits to total assets | 83.4289% | 4,004 |
| Equity capital to assets | 8.0089% | 6,840 |
| Core capital (leverage) ratio | 8.7452% | 5,053 |
| Tier 1 risk-based capital ratio | 17.7100% | 2,071 |
| Total risk-based capital ratio | 18.6247% | 2,110 |
| Memoranda: | ||
| Average total assets | $76,805,500 | 5,853 |
| Average earning assets | $72,821,500 | 5,759 |
| Average equity | $6,335,500 | 6,543 |
| Average total loans | $56,245,500 | 5,452 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4079% | 5,108 |
| Cost of funding earning assets | 2.2843% | 2,424 |
| Net interest margin | 3.1236% | 6,171 |
| Noninterest income to average assets | 0.2554% | 6,448 |
| Noninterest expense to average assets | 2.5039% | 6,114 |
| Loan and lease loss provision to assets | 0.0237% | 6,996 |
| Net operating income to assets | 0.4555% | 4,270 |
| Return on assets (ROA) | 0.4555% | 4,383 |
| Pretax return on assets | 0.6872% | 4,046 |
| Return on Equity (ROE) | 5.4666% | 3,878 |
| Retained earnings to average equity (ytd only) | 5.4666% | 2,261 |
| Net charge-offs to loans | 0.0251% | 6,128 |
| Credit loss provision to net charge-offs | 128.5714% | 3,617 |
| Earnings coverage of net charge-offs (x) | 38.5714% | 834 |
| Efficiency ratio | 77.8870% | 3,368 |
| Assets per employee ($millions) | 3.7866% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 7,502 |
| Loan loss allowance to noncurrent loans | 71.6475% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.1541% | 4,636 |
| Noncurrent loans to loans | 0.9271% | 5,363 |
| Net loans and leases to total assets | 73.8575% | 2,746 |
| Net loans and leases to deposits | 86.5970% | 3,440 |
| Net loans and leases to core deposits | 98.2798% | 4,672 |
| Total domestic deposits to total assets | 85.2887% | 3,113 |
| Equity capital to assets | 8.2172% | 6,467 |
| Core capital (leverage) ratio | 8.6140% | 5,242 |
| Tier 1 risk-based capital ratio | 18.0849% | 1,991 |
| Total risk-based capital ratio | 19.0892% | 2,004 |
| Memoranda: | ||
| Average total assets | $75,961,670 | 5,918 |
| Average earning assets | $71,968,330 | 5,828 |
| Average equity | $6,329,330 | 6,599 |
| Average total loans | $55,684,000 | 5,523 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4574% | 5,130 |
| Cost of funding earning assets | 2.3207% | 2,615 |
| Net interest margin | 3.1368% | 6,078 |
| Noninterest income to average assets | 0.2576% | 6,387 |
| Noninterest expense to average assets | 2.4344% | 6,078 |
| Loan and lease loss provision to assets | 0.0263% | 6,591 |
| Net operating income to assets | 0.5100% | 4,373 |
| Return on assets (ROA) | 0.5100% | 4,559 |
| Pretax return on assets | 0.7676% | 4,194 |
| Return on Equity (ROE) | 6.0791% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.0791% | 2,587 |
| Net charge-offs to loans | 0.1589% | 3,693 |
| Credit loss provision to net charge-offs | 22.7273% | 5,046 |
| Earnings coverage of net charge-offs (x) | 6.8636% | 2,429 |
| Efficiency ratio | 75.4072% | 3,583 |
| Assets per employee ($millions) | 3.8912% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6389% | 7,587 |
| Loan loss allowance to noncurrent loans | 97.7961% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 4,866 |
| Noncurrent loans to loans | 0.6533% | 5,776 |
| Net loans and leases to total assets | 70.9392% | 3,484 |
| Net loans and leases to deposits | 82.8673% | 4,152 |
| Net loans and leases to core deposits | 93.4050% | 5,214 |
| Total domestic deposits to total assets | 85.6058% | 2,919 |
| Equity capital to assets | 7.9861% | 6,831 |
| Core capital (leverage) ratio | 8.6906% | 5,168 |
| Tier 1 risk-based capital ratio | 17.7777% | 2,106 |
| Total risk-based capital ratio | 18.7255% | 2,138 |
| Memoranda: | ||
| Average total assets | $76,077,000 | 5,944 |
| Average earning assets | $72,048,500 | 5,842 |
| Average equity | $6,382,500 | 6,625 |
| Average total loans | $55,372,500 | 5,574 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8271% | 6,347 |
| Cost of funding earning assets | 2.7171% | 3,080 |
| Net interest margin | 3.1100% | 6,624 |
| Noninterest income to average assets | 0.2566% | 6,618 |
| Noninterest expense to average assets | 2.3893% | 6,433 |
| Loan and lease loss provision to assets | 0.0474% | 6,826 |
| Net operating income to assets | 0.4921% | 4,777 |
| Return on assets (ROA) | 0.4921% | 4,605 |
| Pretax return on assets | 0.7565% | 4,224 |
| Return on Equity (ROE) | 4.2269% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.2269% | 2,489 |
| Net charge-offs to loans | 0.0108% | 6,775 |
| Credit loss provision to net charge-offs | 600.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 101.8333% | 428 |
| Efficiency ratio | 74.7837% | 3,443 |
| Assets per employee ($millions) | 3.7166% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6741% | 7,490 |
| Loan loss allowance to noncurrent loans | 103.3333% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9081% | 4,573 |
| Noncurrent loans to loans | 0.6524% | 5,412 |
| Net loans and leases to total assets | 73.7391% | 3,173 |
| Net loans and leases to deposits | 89.2019% | 3,602 |
| Net loans and leases to core deposits | 101.7260% | 4,647 |
| Total domestic deposits to total assets | 82.6654% | 3,916 |
| Equity capital to assets | 8.8119% | 5,631 |
| Core capital (leverage) ratio | 8.4966% | 5,583 |
| Tier 1 risk-based capital ratio | 17.9623% | 2,047 |
| Total risk-based capital ratio | 18.9806% | 2,047 |
| Memoranda: | ||
| Average total assets | $76,005,600 | 5,834 |
| Average earning assets | $71,767,600 | 5,749 |
| Average equity | $8,848,000 | 5,790 |
| Average total loans | $55,745,800 | 5,461 |