Home > County Savings Bank > Performance and Condition Ratios
County Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2523% | 4,466 |
| Cost of funding earning assets | 0.2546% | 4,409 |
| Net interest margin | 2.9977% | 3,285 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.6639% | 1,836 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.2710% | 4,070 |
| Return on assets (ROA) | 0.2710% | 4,074 |
| Pretax return on assets | 0.3355% | 4,052 |
| Return on Equity (ROE) | 4.1200% | 3,866 |
| Retained earnings to average equity (ytd only) | 4.1204% | 2,915 |
| 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 | 88.1156% | 481 |
| Assets per employee ($millions) | 5.8426% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7854% | 4,000 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 49.8500% | 3,604 |
| Net loans and leases to deposits | 53.9830% | 3,795 |
| Net loans and leases to core deposits | 54.2005% | 3,972 |
| Total domestic deposits to total assets | 92.3500% | 253 |
| Equity capital to assets | 6.8170% | 4,013 |
| Core capital (leverage) ratio | 6.8108% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2439% | 669 |
| Memoranda: | ||
| Average total assets | $100,756,400 | 3,830 |
| Average earning assets | $97,008,800 | 3,775 |
| Average equity | $6,625,600 | 4,093 |
| Average total loans | $48,115,400 | 3,867 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2066% | 4,478 |
| Cost of funding earning assets | 0.1903% | 4,451 |
| Net interest margin | 3.0163% | 3,316 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.6807% | 1,722 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.2413% | 4,192 |
| Return on assets (ROA) | 0.2413% | 4,201 |
| Pretax return on assets | 0.3257% | 4,139 |
| Return on Equity (ROE) | 3.7000% | 4,021 |
| Retained earnings to average equity (ytd only) | 3.7029% | 3,335 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.1613% | 438 |
| Assets per employee ($millions) | 5.9389% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 3,945 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 48.2900% | 3,724 |
| Net loans and leases to deposits | 52.2285% | 3,868 |
| Net loans and leases to core deposits | 52.4335% | 3,977 |
| Total domestic deposits to total assets | 92.4700% | 381 |
| Equity capital to assets | 6.6174% | 3,789 |
| Core capital (leverage) ratio | 6.6859% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0833% | 694 |
| Memoranda: | ||
| Average total assets | $101,114,250 | 3,837 |
| Average earning assets | $97,378,750 | 3,782 |
| Average equity | $6,589,250 | 4,094 |
| Average total loans | $47,667,000 | 3,883 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1465% | 4,514 |
| Cost of funding earning assets | 0.1498% | 4,478 |
| Net interest margin | 2.9966% | 3,439 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.6511% | 1,786 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.2491% | 4,232 |
| Return on assets (ROA) | 0.2491% | 4,252 |
| Pretax return on assets | 0.3361% | 4,194 |
| Return on Equity (ROE) | 3.8400% | 4,046 |
| Retained earnings to average equity (ytd only) | 3.8422% | 3,243 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.7044% | 436 |
| Assets per employee ($millions) | 5.9249% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 3,946 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 46.7100% | 3,758 |
| Net loans and leases to deposits | 50.4671% | 3,903 |
| Net loans and leases to core deposits | 50.6633% | 3,999 |
| Total domestic deposits to total assets | 92.5600% | 315 |
| Equity capital to assets | 6.5764% | 3,965 |
| Core capital (leverage) ratio | 6.5915% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3167% | 682 |
| Memoranda: | ||
| Average total assets | $101,165,333 | 3,854 |
| Average earning assets | $97,442,333 | 3,800 |
| Average equity | $6,558,667 | 4,124 |
| Average total loans | $47,168,667 | 3,900 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0550% | 4,548 |
| Cost of funding earning assets | 0.1065% | 4,524 |
| Net interest margin | 2.9486% | 3,701 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.6473% | 1,820 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.2209% | 4,333 |
| Return on assets (ROA) | 0.2209% | 4,296 |
| Pretax return on assets | 0.2998% | 4,265 |
| Return on Equity (ROE) | 3.4300% | 4,127 |
| Retained earnings to average equity (ytd only) | 3.4324% | 3,403 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.8742% | 398 |
| Assets per employee ($millions) | 5.9786% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8316% | 4,032 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 45.2900% | 3,810 |
| Net loans and leases to deposits | 48.7415% | 3,937 |
| Net loans and leases to core deposits | 48.9364% | 4,020 |
| Total domestic deposits to total assets | 92.9200% | 317 |
| Equity capital to assets | 6.4484% | 4,048 |
| Core capital (leverage) ratio | 6.5412% | 4,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1897% | 723 |
| Memoranda: | ||
| Average total assets | $101,386,000 | 3,896 |
| Average earning assets | $97,674,500 | 3,847 |
| Average equity | $6,526,000 | 4,180 |
| Average total loans | $47,029,000 | 3,942 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7868% | 4,333 |
| Cost of funding earning assets | 0.1115% | 4,331 |
| Net interest margin | 2.6753% | 4,084 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.5711% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1271% | 4,493 |
| Return on assets (ROA) | 0.1271% | 4,483 |
| Pretax return on assets | 0.1537% | 4,471 |
| Return on Equity (ROE) | 2.0100% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.0122% | 3,973 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 94.3601% | 225 |
| Assets per employee ($millions) | 6.3209% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 4,052 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 46.7300% | 3,754 |
| Net loans and leases to deposits | 50.2857% | 3,884 |
| Net loans and leases to core deposits | 50.4876% | 3,963 |
| Total domestic deposits to total assets | 92.9400% | 418 |
| Equity capital to assets | 6.4251% | 3,929 |
| Core capital (leverage) ratio | 6.4646% | 4,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6963% | 760 |
| Memoranda: | ||
| Average total assets | $101,513,200 | 3,913 |
| Average earning assets | $97,784,000 | 3,858 |
| Average equity | $6,410,800 | 4,284 |
| Average total loans | $46,867,200 | 3,948 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7287% | 4,269 |
| Cost of funding earning assets | 0.1131% | 4,174 |
| Net interest margin | 2.6156% | 4,074 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.5535% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0840% | 4,555 |
| Return on assets (ROA) | 0.0840% | 4,526 |
| Pretax return on assets | 0.1142% | 4,509 |
| Return on Equity (ROE) | 1.3400% | 4,469 |
| Retained earnings to average equity (ytd only) | 1.3356% | 4,169 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 95.7206% | 205 |
| Assets per employee ($millions) | 5.6733% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 4,107 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 46.2100% | 3,746 |
| Net loans and leases to deposits | 49.6094% | 3,880 |
| Net loans and leases to core deposits | 49.9476% | 3,953 |
| Total domestic deposits to total assets | 93.1400% | 547 |
| Equity capital to assets | 6.2995% | 3,844 |
| Core capital (leverage) ratio | 6.3224% | 4,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4372% | 796 |
| Memoranda: | ||
| Average total assets | $101,607,750 | 3,936 |
| Average earning assets | $97,870,500 | 3,876 |
| Average equity | $6,389,000 | 4,326 |
| Average total loans | $46,673,750 | 3,966 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6572% | 4,208 |
| Cost of funding earning assets | 0.1167% | 4,000 |
| Net interest margin | 2.5406% | 4,017 |
| Noninterest income to average assets | 0.1518% | 4,255 |
| Noninterest expense to average assets | 2.5395% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0434% | 4,557 |
| Return on assets (ROA) | 0.0434% | 4,525 |
| Pretax return on assets | 0.0592% | 4,512 |
| Return on Equity (ROE) | 0.6903% | 4,497 |
| Retained earnings to average equity (ytd only) | 0.6903% | 4,059 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7238% | 221 |
| Assets per employee ($millions) | 5.6750% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 4,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 45.4958% | 3,737 |
| Net loans and leases to deposits | 48.8377% | 3,873 |
| Net loans and leases to core deposits | 49.1705% | 3,969 |
| Total domestic deposits to total assets | 93.1571% | 476 |
| Equity capital to assets | 6.2565% | 4,114 |
| Core capital (leverage) ratio | 6.2239% | 4,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5647% | 775 |
| Memoranda: | ||
| Average total assets | $101,437,000 | 3,974 |
| Average earning assets | $97,695,000 | 3,935 |
| Average equity | $6,374,333 | 4,378 |
| Average total loans | $46,377,333 | 4,021 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5932% | 4,130 |
| Cost of funding earning assets | 0.1192% | 3,908 |
| Net interest margin | 2.4740% | 3,948 |
| Noninterest income to average assets | 0.1504% | 4,248 |
| Noninterest expense to average assets | 2.5564% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0237% | 4,558 |
| Return on assets (ROA) | -0.0237% | 4,537 |
| Pretax return on assets | -0.0237% | 4,530 |
| Return on Equity (ROE) | -0.3770% | 4,552 |
| Retained earnings to average equity (ytd only) | -0.3770% | 4,068 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9375% | 229 |
| Assets per employee ($millions) | 6.0098% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 4,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 44.9905% | 3,659 |
| Net loans and leases to deposits | 48.2937% | 3,852 |
| Net loans and leases to core deposits | 48.6304% | 3,954 |
| Total domestic deposits to total assets | 93.1602% | 237 |
| Equity capital to assets | 6.2281% | 4,522 |
| Core capital (leverage) ratio | 6.3049% | 4,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4489% | 835 |
| Memoranda: | ||
| Average total assets | $101,080,500 | 3,994 |
| Average earning assets | $97,333,000 | 3,957 |
| Average equity | $6,366,000 | 4,425 |
| Average total loans | $46,140,500 | 4,039 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7842% | 4,226 |
| Cost of funding earning assets | 0.1500% | 3,977 |
| Net interest margin | 2.6342% | 3,987 |
| Noninterest income to average assets | 0.1557% | 4,375 |
| Noninterest expense to average assets | 2.5867% | 1,903 |
| Loan and lease loss provision to assets | -0.0899% | 4,507 |
| Net operating income to assets | 0.1536% | 4,576 |
| Return on assets (ROA) | 0.1536% | 4,591 |
| Pretax return on assets | 0.1913% | 4,581 |
| Return on Equity (ROE) | 2.3296% | 4,462 |
| Retained earnings to average equity (ytd only) | 2.3296% | 3,878 |
| Net charge-offs to loans | -0.1929% | 4,705 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2286% | 197 |
| Assets per employee ($millions) | 5.2629% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 4,234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 45.5643% | 3,723 |
| Net loans and leases to deposits | 48.9467% | 3,944 |
| Net loans and leases to core deposits | 49.2957% | 4,043 |
| Total domestic deposits to total assets | 93.0897% | 45 |
| Equity capital to assets | 6.3693% | 4,801 |
| Core capital (leverage) ratio | 6.4984% | 4,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9332% | 765 |
| Memoranda: | ||
| Average total assets | $95,680,800 | 4,034 |
| Average earning assets | $91,983,600 | 3,995 |
| Average equity | $6,310,000 | 4,499 |
| Average total loans | $44,589,800 | 4,096 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8259% | 4,268 |
| Cost of funding earning assets | 0.1554% | 4,061 |
| Net interest margin | 2.6704% | 4,026 |
| Noninterest income to average assets | 0.1550% | 4,422 |
| Noninterest expense to average assets | 2.5961% | 1,847 |
| Loan and lease loss provision to assets | -0.1152% | 4,636 |
| Net operating income to assets | 0.1790% | 4,642 |
| Return on assets (ROA) | 0.1790% | 4,663 |
| Pretax return on assets | 0.2410% | 4,640 |
| Return on Equity (ROE) | 2.6898% | 4,505 |
| Retained earnings to average equity (ytd only) | 2.6898% | 4,006 |
| Net charge-offs to loans | -0.2471% | 4,792 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3910% | 203 |
| Assets per employee ($millions) | 5.7894% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8269% | 4,311 |
| Loan loss allowance to noncurrent loans | 1,216.1290% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 3,953 |
| Noncurrent loans to loans | 0.0680% | 3,754 |
| Net loans and leases to total assets | 45.9409% | 3,803 |
| Net loans and leases to deposits | 49.4196% | 4,033 |
| Net loans and leases to core deposits | 49.7743% | 4,154 |
| Total domestic deposits to total assets | 92.9608% | 34 |
| Equity capital to assets | 6.4509% | 4,869 |
| Core capital (leverage) ratio | 6.4672% | 4,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3793% | 765 |
| Memoranda: | ||
| Average total assets | $94,602,250 | 4,098 |
| Average earning assets | $90,919,500 | 4,052 |
| Average equity | $6,295,250 | 4,564 |
| Average total loans | $44,252,500 | 4,159 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8509% | 4,287 |
| Cost of funding earning assets | 0.1606% | 4,117 |
| Net interest margin | 2.6903% | 3,998 |
| Noninterest income to average assets | 0.1607% | 4,396 |
| Noninterest expense to average assets | 2.6444% | 1,746 |
| Loan and lease loss provision to assets | -0.1757% | 4,737 |
| Net operating income to assets | 0.2036% | 4,629 |
| Return on assets (ROA) | 0.2036% | 4,645 |
| Pretax return on assets | 0.2764% | 4,611 |
| Return on Equity (ROE) | 3.0268% | 4,472 |
| Retained earnings to average equity (ytd only) | 3.0268% | 3,829 |
| Net charge-offs to loans | -0.3744% | 4,863 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3310% | 212 |
| Assets per employee ($millions) | 5.6822% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 4,284 |
| Loan loss allowance to noncurrent loans | 1,216.1290% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 4,037 |
| Noncurrent loans to loans | 0.0700% | 3,838 |
| Net loans and leases to total assets | 45.4616% | 3,940 |
| Net loans and leases to deposits | 48.9342% | 4,166 |
| Net loans and leases to core deposits | 49.2923% | 4,261 |
| Total domestic deposits to total assets | 92.9036% | 36 |
| Equity capital to assets | 6.5395% | 4,893 |
| Core capital (leverage) ratio | 6.6087% | 4,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7540% | 728 |
| Memoranda: | ||
| Average total assets | $93,329,667 | 4,135 |
| Average earning assets | $89,654,667 | 4,089 |
| Average equity | $6,277,333 | 4,596 |
| Average total loans | $43,806,000 | 4,198 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8902% | 4,271 |
| Cost of funding earning assets | 0.1681% | 4,181 |
| Net interest margin | 2.7221% | 3,917 |
| Noninterest income to average assets | 0.1658% | 4,373 |
| Noninterest expense to average assets | 2.7177% | 1,582 |
| Loan and lease loss provision to assets | -0.3577% | 4,885 |
| Net operating income to assets | 0.3097% | 4,502 |
| Return on assets (ROA) | 0.3097% | 4,538 |
| Pretax return on assets | 0.4188% | 4,464 |
| Return on Equity (ROE) | 4.5386% | 4,179 |
| Retained earnings to average equity (ytd only) | 4.5386% | 3,357 |
| Net charge-offs to loans | -0.7529% | 4,909 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8022% | 219 |
| Assets per employee ($millions) | 4.9290% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 4,309 |
| Loan loss allowance to noncurrent loans | 1,216.1290% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 4,126 |
| Noncurrent loans to loans | 0.0694% | 3,943 |
| Net loans and leases to total assets | 47.3257% | 3,873 |
| Net loans and leases to deposits | 51.0828% | 4,099 |
| Net loans and leases to core deposits | 51.4792% | 4,218 |
| Total domestic deposits to total assets | 92.6450% | 61 |
| Equity capital to assets | 6.7196% | 4,885 |
| Core capital (leverage) ratio | 6.9494% | 4,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8555% | 690 |
| Memoranda: | ||
| Average total assets | $91,695,500 | 4,165 |
| Average earning assets | $88,021,500 | 4,122 |
| Average equity | $6,257,500 | 4,614 |
| Average total loans | $43,563,000 | 4,221 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 4,313 |
| Cost of funding earning assets | 0.2154% | 4,528 |
| Net interest margin | 3.0978% | 3,632 |
| Noninterest income to average assets | 0.1753% | 4,409 |
| Noninterest expense to average assets | 2.8311% | 1,863 |
| Loan and lease loss provision to assets | 0.0275% | 4,060 |
| Net operating income to assets | 0.2188% | 4,549 |
| Return on assets (ROA) | 0.2188% | 4,611 |
| Pretax return on assets | 0.2830% | 4,569 |
| Return on Equity (ROE) | 3.1121% | 4,349 |
| Retained earnings to average equity (ytd only) | 3.1121% | 3,286 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1167% | 375 |
| Assets per employee ($millions) | 4.7232% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 4,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 46.8587% | 4,067 |
| Net loans and leases to deposits | 50.6810% | 4,278 |
| Net loans and leases to core deposits | 51.0923% | 4,386 |
| Total domestic deposits to total assets | 92.4582% | 38 |
| Equity capital to assets | 6.9334% | 4,921 |
| Core capital (leverage) ratio | 6.9787% | 4,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1860% | 566 |
| Memoranda: | ||
| Average total assets | $87,280,400 | 4,152 |
| Average earning assets | $83,575,800 | 4,108 |
| Average equity | $6,137,400 | 4,631 |
| Average total loans | $41,010,200 | 4,290 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3832% | 4,371 |
| Cost of funding earning assets | 0.2282% | 4,577 |
| Net interest margin | 3.1550% | 3,607 |
| Noninterest income to average assets | 0.1723% | 4,433 |
| Noninterest expense to average assets | 2.8277% | 1,892 |
| Loan and lease loss provision to assets | 0.0277% | 3,987 |
| Net operating income to assets | 0.2492% | 4,522 |
| Return on assets (ROA) | 0.2492% | 4,563 |
| Pretax return on assets | 0.3369% | 4,509 |
| Return on Equity (ROE) | 3.5315% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.5315% | 3,295 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5783% | 401 |
| Assets per employee ($millions) | 4.7088% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 4,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 45.7650% | 4,325 |
| Net loans and leases to deposits | 49.5139% | 4,503 |
| Net loans and leases to core deposits | 49.9116% | 4,580 |
| Total domestic deposits to total assets | 92.4286% | 29 |
| Equity capital to assets | 6.9220% | 4,964 |
| Core capital (leverage) ratio | 7.0015% | 4,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6339% | 538 |
| Memoranda: | ||
| Average total assets | $86,665,500 | 4,165 |
| Average earning assets | $82,956,500 | 4,115 |
| Average equity | $6,116,250 | 4,656 |
| Average total loans | $40,655,750 | 4,325 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4577% | 4,468 |
| Cost of funding earning assets | 0.2438% | 4,640 |
| Net interest margin | 3.2139% | 3,631 |
| Noninterest income to average assets | 0.1703% | 4,442 |
| Noninterest expense to average assets | 2.8624% | 1,936 |
| Loan and lease loss provision to assets | 0.0280% | 3,905 |
| Net operating income to assets | 0.2613% | 4,481 |
| Return on assets (ROA) | 0.2613% | 4,526 |
| Pretax return on assets | 0.3546% | 4,463 |
| Return on Equity (ROE) | 3.6778% | 4,199 |
| Retained earnings to average equity (ytd only) | 3.6778% | 3,076 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2099% | 443 |
| Assets per employee ($millions) | 4.6382% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 4,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 46.1578% | 4,356 |
| Net loans and leases to deposits | 49.9429% | 4,536 |
| Net loans and leases to core deposits | 50.3503% | 4,613 |
| Total domestic deposits to total assets | 92.4211% | 29 |
| Equity capital to assets | 6.9707% | 4,979 |
| Core capital (leverage) ratio | 7.0894% | 5,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9284% | 509 |
| Memoranda: | ||
| Average total assets | $85,731,333 | 4,184 |
| Average earning assets | $82,019,000 | 4,140 |
| Average equity | $6,090,667 | 4,676 |
| Average total loans | $40,435,667 | 4,346 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5633% | 4,572 |
| Cost of funding earning assets | 0.2672% | 4,737 |
| Net interest margin | 3.2960% | 3,601 |
| Noninterest income to average assets | 0.1940% | 4,386 |
| Noninterest expense to average assets | 2.8864% | 2,164 |
| Loan and lease loss provision to assets | 0.0284% | 3,434 |
| Net operating income to assets | 0.3170% | 4,310 |
| Return on assets (ROA) | 0.3170% | 4,335 |
| Pretax return on assets | 0.4306% | 4,238 |
| Return on Equity (ROE) | 4.4192% | 3,843 |
| Retained earnings to average equity (ytd only) | 4.4192% | 2,529 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2801% | 685 |
| Assets per employee ($millions) | 4.4625% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 4,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 46.5461% | 4,402 |
| Net loans and leases to deposits | 50.5624% | 4,574 |
| Net loans and leases to core deposits | 51.0029% | 4,653 |
| Total domestic deposits to total assets | 92.0566% | 35 |
| Equity capital to assets | 7.1921% | 5,061 |
| Core capital (leverage) ratio | 7.3074% | 5,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5714% | 523 |
| Memoranda: | ||
| Average total assets | $84,534,000 | 4,201 |
| Average earning assets | $80,825,000 | 4,155 |
| Average equity | $6,064,500 | 4,716 |
| Average total loans | $40,132,500 | 4,373 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8168% | 4,543 |
| Cost of funding earning assets | 0.2765% | 4,781 |
| Net interest margin | 3.5403% | 3,313 |
| Noninterest income to average assets | 0.1913% | 4,522 |
| Noninterest expense to average assets | 2.9122% | 2,258 |
| Loan and lease loss provision to assets | 0.0287% | 3,442 |
| Net operating income to assets | 0.4854% | 4,437 |
| Return on assets (ROA) | 0.4854% | 4,487 |
| Pretax return on assets | 0.6336% | 4,363 |
| Return on Equity (ROE) | 6.9738% | 3,552 |
| Retained earnings to average equity (ytd only) | 6.9738% | 1,401 |
| Net charge-offs to loans | 0.0100% | 3,324 |
| Credit loss provision to net charge-offs | 600.0000% | 512 |
| Earnings coverage of net charge-offs (x) | 138.5000% | 529 |
| Efficiency ratio | 81.4716% | 833 |
| Assets per employee ($millions) | 4.4358% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8729% | 4,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 47.5647% | 4,446 |
| Net loans and leases to deposits | 51.6804% | 4,614 |
| Net loans and leases to core deposits | 52.1334% | 4,702 |
| Total domestic deposits to total assets | 92.0362% | 37 |
| Equity capital to assets | 7.1558% | 5,130 |
| Core capital (leverage) ratio | 7.2569% | 5,120 |
| Tier 1 risk-based capital ratio | 21.4359% | 1,093 |
| Total risk-based capital ratio | 22.6906% | 1,071 |
| Memoranda: | ||
| Average total assets | $83,649,000 | 4,235 |
| Average earning assets | $79,935,800 | 4,189 |
| Average equity | $5,821,800 | 4,780 |
| Average total loans | $39,910,800 | 4,402 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8402% | 4,622 |
| Cost of funding earning assets | 0.2741% | 4,860 |
| Net interest margin | 3.5662% | 3,346 |
| Noninterest income to average assets | 0.1884% | 4,585 |
| Noninterest expense to average assets | 2.9368% | 2,136 |
| Loan and lease loss provision to assets | 0.0287% | 3,329 |
| Net operating income to assets | 0.4663% | 4,591 |
| Return on assets (ROA) | 0.4663% | 4,627 |
| Pretax return on assets | 0.6308% | 4,491 |
| Return on Equity (ROE) | 6.7479% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.7479% | 1,983 |
| Net charge-offs to loans | 0.0134% | 2,893 |
| Credit loss provision to net charge-offs | 450.0000% | 690 |
| Earnings coverage of net charge-offs (x) | 103.3114% | 736 |
| Efficiency ratio | 81.6607% | 782 |
| Assets per employee ($millions) | 4.3826% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 4,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 47.6618% | 4,521 |
| Net loans and leases to deposits | 51.7661% | 4,718 |
| Net loans and leases to core deposits | 52.2190% | 4,794 |
| Total domestic deposits to total assets | 92.0716% | 37 |
| Equity capital to assets | 7.1058% | 5,218 |
| Core capital (leverage) ratio | 7.0490% | 5,214 |
| Tier 1 risk-based capital ratio | 21.1306% | 1,176 |
| Total risk-based capital ratio | 22.3698% | 1,158 |
| Memoranda: | ||
| Average total assets | $83,491,000 | 4,285 |
| Average earning assets | $79,784,750 | 4,241 |
| Average equity | $5,769,500 | 4,848 |
| Average total loans | $39,778,250 | 4,467 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8237% | 4,685 |
| Cost of funding earning assets | 0.2704% | 4,903 |
| Net interest margin | 3.5533% | 3,423 |
| Noninterest income to average assets | 0.1891% | 4,622 |
| Noninterest expense to average assets | 2.9295% | 2,195 |
| Loan and lease loss provision to assets | 0.0287% | 3,243 |
| Net operating income to assets | 0.4619% | 4,612 |
| Return on assets (ROA) | 0.4619% | 4,644 |
| Pretax return on assets | 0.6271% | 4,491 |
| Return on Equity (ROE) | 6.7479% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.7479% | 1,928 |
| Net charge-offs to loans | 0.0202% | 2,459 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 909 |
| Efficiency ratio | 81.7089% | 822 |
| Assets per employee ($millions) | 4.6836% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8615% | 4,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 46.5494% | 4,623 |
| Net loans and leases to deposits | 50.4104% | 4,790 |
| Net loans and leases to core deposits | 50.8448% | 4,849 |
| Total domestic deposits to total assets | 92.3408% | 28 |
| Equity capital to assets | 6.9012% | 5,272 |
| Core capital (leverage) ratio | 6.8864% | 5,267 |
| Tier 1 risk-based capital ratio | 20.8463% | 1,200 |
| Total risk-based capital ratio | 22.0682% | 1,182 |
| Memoranda: | ||
| Average total assets | $83,564,670 | 4,315 |
| Average earning assets | $79,869,330 | 4,264 |
| Average equity | $5,720,330 | 4,885 |
| Average total loans | $39,692,670 | 4,505 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 4,716 |
| Cost of funding earning assets | 0.2768% | 4,911 |
| Net interest margin | 3.5182% | 3,548 |
| Noninterest income to average assets | 0.1827% | 4,657 |
| Noninterest expense to average assets | 2.9088% | 2,254 |
| Loan and lease loss provision to assets | 0.0288% | 3,037 |
| Net operating income to assets | 0.4471% | 4,644 |
| Return on assets (ROA) | 0.4471% | 4,663 |
| Pretax return on assets | 0.6058% | 4,503 |
| Return on Equity (ROE) | 6.5591% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.5591% | 2,221 |
| Net charge-offs to loans | 0.0403% | 1,699 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,273 |
| Efficiency ratio | 82.0896% | 864 |
| Assets per employee ($millions) | 4.6889% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 4,361 |
| Loan loss allowance to noncurrent loans | 331.6832% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 4,212 |
| Noncurrent loans to loans | 0.2550% | 3,647 |
| Net loans and leases to total assets | 46.5273% | 4,645 |
| Net loans and leases to deposits | 50.3875% | 4,803 |
| Net loans and leases to core deposits | 50.8310% | 4,867 |
| Total domestic deposits to total assets | 92.3389% | 48 |
| Equity capital to assets | 6.7749% | 5,320 |
| Core capital (leverage) ratio | 6.9752% | 5,320 |
| Tier 1 risk-based capital ratio | 20.4069% | 1,260 |
| Total risk-based capital ratio | 21.6024% | 1,248 |
| Memoranda: | ||
| Average total assets | $83,195,000 | 4,362 |
| Average earning assets | $79,472,500 | 4,312 |
| Average equity | $5,671,500 | 4,934 |
| Average total loans | $39,747,000 | 4,551 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 4,846 |
| Cost of funding earning assets | 0.2746% | 4,682 |
| Net interest margin | 3.2866% | 4,286 |
| Noninterest income to average assets | 0.2255% | 4,569 |
| Noninterest expense to average assets | 2.7924% | 2,715 |
| Loan and lease loss provision to assets | 0.0288% | 3,596 |
| Net operating income to assets | 0.4238% | 4,822 |
| Return on assets (ROA) | 0.4162% | 4,829 |
| Pretax return on assets | 0.5386% | 4,742 |
| Return on Equity (ROE) | 6.3958% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.3958% | 1,974 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8765% | 718 |
| Assets per employee ($millions) | 4.5550% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 4,420 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 3,503 |
| Noncurrent loans to loans | 0.5565% | 2,605 |
| Net loans and leases to total assets | 48.2461% | 4,619 |
| Net loans and leases to deposits | 52.2019% | 4,817 |
| Net loans and leases to core deposits | 52.6745% | 4,883 |
| Total domestic deposits to total assets | 92.4222% | 53 |
| Equity capital to assets | 6.8606% | 5,342 |
| Core capital (leverage) ratio | 6.8150% | 5,360 |
| Tier 1 risk-based capital ratio | 20.2717% | 1,260 |
| Total risk-based capital ratio | 21.4718% | 1,247 |
| Memoranda: | ||
| Average total assets | $83,368,000 | 4,368 |
| Average earning assets | $79,749,000 | 4,317 |
| Average equity | $5,425,400 | 4,982 |
| Average total loans | $39,076,800 | 4,581 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 4,959 |
| Cost of funding earning assets | 0.2729% | 4,665 |
| Net interest margin | 3.1954% | 4,521 |
| Noninterest income to average assets | 0.2294% | 4,595 |
| Noninterest expense to average assets | 2.7761% | 2,720 |
| Loan and lease loss provision to assets | 0.0287% | 3,437 |
| Net operating income to assets | 0.3541% | 5,026 |
| Return on assets (ROA) | 0.3440% | 5,038 |
| Pretax return on assets | 0.4698% | 4,944 |
| Return on Equity (ROE) | 5.3575% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.3575% | 3,025 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4477% | 619 |
| Assets per employee ($millions) | 4.6680% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 4,495 |
| Loan loss allowance to noncurrent loans | 147.2973% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 3,630 |
| Noncurrent loans to loans | 0.5704% | 2,666 |
| Net loans and leases to total assets | 45.9285% | 4,807 |
| Net loans and leases to deposits | 49.6073% | 4,964 |
| Net loans and leases to core deposits | 50.0421% | 5,021 |
| Total domestic deposits to total assets | 92.5843% | 52 |
| Equity capital to assets | 6.5386% | 5,423 |
| Core capital (leverage) ratio | 6.4936% | 5,444 |
| Tier 1 risk-based capital ratio | 19.8662% | 1,363 |
| Total risk-based capital ratio | 21.0486% | 1,346 |
| Memoranda: | ||
| Average total assets | $83,712,500 | 4,408 |
| Average earning assets | $80,113,250 | 4,364 |
| Average equity | $5,375,500 | 5,045 |
| Average total loans | $38,873,500 | 4,634 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4035% | 5,033 |
| Cost of funding earning assets | 0.2724% | 4,616 |
| Net interest margin | 3.1311% | 4,660 |
| Noninterest income to average assets | 0.2416% | 4,566 |
| Noninterest expense to average assets | 2.7605% | 2,804 |
| Loan and lease loss provision to assets | 0.0287% | 3,337 |
| Net operating income to assets | 0.3285% | 5,082 |
| Return on assets (ROA) | 0.3134% | 5,097 |
| Pretax return on assets | 0.4306% | 5,013 |
| Return on Equity (ROE) | 4.9100% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.9100% | 3,119 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2290% | 617 |
| Assets per employee ($millions) | 4.6932% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 4,615 |
| Loan loss allowance to noncurrent loans | 93.3140% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 3,101 |
| Noncurrent loans to loans | 0.8871% | 1,948 |
| Net loans and leases to total assets | 45.5248% | 4,851 |
| Net loans and leases to deposits | 49.0373% | 5,002 |
| Net loans and leases to core deposits | 49.2036% | 5,060 |
| Total domestic deposits to total assets | 92.8371% | 37 |
| Equity capital to assets | 6.4029% | 5,491 |
| Core capital (leverage) ratio | 6.4623% | 5,504 |
| Tier 1 risk-based capital ratio | 19.5341% | 1,420 |
| Total risk-based capital ratio | 20.6934% | 1,403 |
| Memoranda: | ||
| Average total assets | $83,608,670 | 4,458 |
| Average earning assets | $80,034,670 | 4,403 |
| Average equity | $5,336,000 | 5,106 |
| Average total loans | $38,858,670 | 4,674 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3617% | 5,064 |
| Cost of funding earning assets | 0.2713% | 4,570 |
| Net interest margin | 3.0903% | 4,720 |
| Noninterest income to average assets | 0.2308% | 4,625 |
| Noninterest expense to average assets | 2.7893% | 2,733 |
| Loan and lease loss provision to assets | 0.0289% | 3,135 |
| Net operating income to assets | 0.2660% | 5,147 |
| Return on assets (ROA) | 0.2356% | 5,203 |
| Pretax return on assets | 0.3318% | 5,120 |
| Return on Equity (ROE) | 3.6985% | 4,846 |
| Retained earnings to average equity (ytd only) | 3.6985% | 3,715 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4811% | 560 |
| Assets per employee ($millions) | 4.6799% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8147% | 4,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 45.5234% | 4,818 |
| Net loans and leases to deposits | 48.9983% | 5,008 |
| Net loans and leases to core deposits | 49.1647% | 5,063 |
| Total domestic deposits to total assets | 92.9082% | 45 |
| Equity capital to assets | 6.3237% | 5,555 |
| Core capital (leverage) ratio | 6.4801% | 5,554 |
| Tier 1 risk-based capital ratio | 19.4608% | 1,443 |
| Total risk-based capital ratio | 20.6116% | 1,428 |
| Memoranda: | ||
| Average total assets | $83,174,500 | 4,512 |
| Average earning assets | $79,603,000 | 4,452 |
| Average equity | $5,299,500 | 5,167 |
| Average total loans | $38,898,500 | 4,727 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2766% | 5,109 |
| Cost of funding earning assets | 0.2876% | 4,251 |
| Net interest margin | 2.9890% | 4,909 |
| Noninterest income to average assets | 0.2494% | 4,642 |
| Noninterest expense to average assets | 2.6914% | 3,153 |
| Loan and lease loss provision to assets | 0.0292% | 3,690 |
| Net operating income to assets | 0.1899% | 5,130 |
| Return on assets (ROA) | 0.1728% | 5,171 |
| Pretax return on assets | 0.3601% | 5,140 |
| Return on Equity (ROE) | 2.7318% | 4,905 |
| Retained earnings to average equity (ytd only) | 2.7318% | 3,679 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6092% | 608 |
| Assets per employee ($millions) | 4.5617% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 4,855 |
| Loan loss allowance to noncurrent loans | 251.2195% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 4,389 |
| Noncurrent loans to loans | 0.3143% | 3,653 |
| Net loans and leases to total assets | 47.2836% | 4,811 |
| Net loans and leases to deposits | 50.9240% | 5,030 |
| Net loans and leases to core deposits | 51.1017% | 5,097 |
| Total domestic deposits to total assets | 92.8511% | 37 |
| Equity capital to assets | 6.4206% | 5,619 |
| Core capital (leverage) ratio | 6.3816% | 5,622 |
| Tier 1 risk-based capital ratio | 19.1066% | 1,485 |
| Total risk-based capital ratio | 20.2252% | 1,469 |
| Memoranda: | ||
| Average total assets | $82,188,000 | 4,551 |
| Average earning assets | $78,587,200 | 4,482 |
| Average equity | $5,198,000 | 5,237 |
| Average total loans | $39,165,600 | 4,749 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2371% | 5,188 |
| Cost of funding earning assets | 0.2850% | 4,268 |
| Net interest margin | 2.9521% | 5,015 |
| Noninterest income to average assets | 0.2417% | 4,758 |
| Noninterest expense to average assets | 2.7231% | 2,988 |
| Loan and lease loss provision to assets | 0.0292% | 3,541 |
| Net operating income to assets | 0.2173% | 5,335 |
| Return on assets (ROA) | 0.2173% | 5,348 |
| Pretax return on assets | 0.3114% | 5,301 |
| Return on Equity (ROE) | 3.4494% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.4494% | 3,877 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8830% | 455 |
| Assets per employee ($millions) | 4.6748% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7764% | 4,960 |
| Loan loss allowance to noncurrent loans | 246.3415% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 4,531 |
| Noncurrent loans to loans | 0.3152% | 3,821 |
| Net loans and leases to total assets | 46.0195% | 4,937 |
| Net loans and leases to deposits | 49.5274% | 5,143 |
| Net loans and leases to core deposits | 49.6939% | 5,208 |
| Total domestic deposits to total assets | 92.9172% | 27 |
| Equity capital to assets | 6.2415% | 5,698 |
| Core capital (leverage) ratio | 6.3429% | 5,685 |
| Tier 1 risk-based capital ratio | 18.8936% | 1,618 |
| Total risk-based capital ratio | 19.9799% | 1,616 |
| Memoranda: | ||
| Average total assets | $82,207,250 | 4,596 |
| Average earning assets | $78,586,250 | 4,528 |
| Average equity | $5,179,500 | 5,296 |
| Average total loans | $39,173,500 | 4,805 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2079% | 5,227 |
| Cost of funding earning assets | 0.2874% | 4,214 |
| Net interest margin | 2.9204% | 5,058 |
| Noninterest income to average assets | 0.2501% | 4,742 |
| Noninterest expense to average assets | 2.7464% | 2,939 |
| Loan and lease loss provision to assets | 0.0294% | 3,410 |
| Net operating income to assets | 0.1864% | 5,414 |
| Return on assets (ROA) | 0.1864% | 5,420 |
| Pretax return on assets | 0.2648% | 5,375 |
| Return on Equity (ROE) | 2.9484% | 5,135 |
| Retained earnings to average equity (ytd only) | 2.9484% | 3,958 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3226% | 439 |
| Assets per employee ($millions) | 4.5988% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 5,039 |
| Loan loss allowance to noncurrent loans | 241.4634% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 4,579 |
| Noncurrent loans to loans | 0.3163% | 3,904 |
| Net loans and leases to total assets | 46.6126% | 4,907 |
| Net loans and leases to deposits | 50.1273% | 5,133 |
| Net loans and leases to core deposits | 50.2985% | 5,211 |
| Total domestic deposits to total assets | 92.9885% | 26 |
| Equity capital to assets | 6.2770% | 5,739 |
| Core capital (leverage) ratio | 6.3617% | 5,734 |
| Tier 1 risk-based capital ratio | 18.9204% | 1,603 |
| Total risk-based capital ratio | 19.9985% | 1,617 |
| Memoranda: | ||
| Average total assets | $81,560,670 | 4,637 |
| Average earning assets | $77,933,670 | 4,566 |
| Average equity | $5,155,330 | 5,336 |
| Average total loans | $39,222,330 | 4,837 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1757% | 5,274 |
| Cost of funding earning assets | 0.2845% | 4,202 |
| Net interest margin | 2.8913% | 5,102 |
| Noninterest income to average assets | 0.2322% | 4,882 |
| Noninterest expense to average assets | 2.7967% | 2,803 |
| Loan and lease loss provision to assets | 0.0296% | 3,181 |
| Net operating income to assets | 0.1186% | 5,493 |
| Return on assets (ROA) | 0.1186% | 5,500 |
| Pretax return on assets | 0.1680% | 5,466 |
| Return on Equity (ROE) | 1.8695% | 5,358 |
| Retained earnings to average equity (ytd only) | 1.8695% | 4,377 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3993% | 405 |
| Assets per employee ($millions) | 4.5313% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7372% | 5,233 |
| Loan loss allowance to noncurrent loans | 108.9888% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 3,887 |
| Noncurrent loans to loans | 0.6764% | 2,823 |
| Net loans and leases to total assets | 48.0389% | 4,820 |
| Net loans and leases to deposits | 51.6954% | 5,045 |
| Net loans and leases to core deposits | 51.8747% | 5,148 |
| Total domestic deposits to total assets | 92.9269% | 37 |
| Equity capital to assets | 6.3092% | 5,798 |
| Core capital (leverage) ratio | 6.4671% | 5,796 |
| Tier 1 risk-based capital ratio | 18.6612% | 1,704 |
| Total risk-based capital ratio | 19.7136% | 1,709 |
| Memoranda: | ||
| Average total assets | $80,952,000 | 4,700 |
| Average earning assets | $77,336,500 | 4,624 |
| Average equity | $5,135,000 | 5,392 |
| Average total loans | $39,392,500 | 4,871 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4415% | 4,899 |
| Cost of funding earning assets | 0.3251% | 3,798 |
| Net interest margin | 3.1164% | 4,683 |
| Noninterest income to average assets | 0.3103% | 4,512 |
| Noninterest expense to average assets | 2.9650% | 2,449 |
| Loan and lease loss provision to assets | -0.1434% | 5,740 |
| Net operating income to assets | 0.3062% | 5,205 |
| Return on assets (ROA) | 0.3062% | 5,272 |
| Pretax return on assets | 0.4496% | 5,121 |
| Return on Equity (ROE) | 4.4519% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.4519% | 2,743 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6408% | 519 |
| Assets per employee ($millions) | 4.4634% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 5,307 |
| Loan loss allowance to noncurrent loans | 105.1661% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 3,928 |
| Noncurrent loans to loans | 0.6894% | 2,811 |
| Net loans and leases to total assets | 48.5767% | 4,855 |
| Net loans and leases to deposits | 52.3045% | 5,105 |
| Net loans and leases to core deposits | 52.4895% | 5,205 |
| Total domestic deposits to total assets | 92.8729% | 46 |
| Equity capital to assets | 6.3778% | 5,840 |
| Core capital (leverage) ratio | 6.6569% | 5,832 |
| Tier 1 risk-based capital ratio | 19.0342% | 1,591 |
| Total risk-based capital ratio | 20.0904% | 1,600 |
| Memoranda: | ||
| Average total assets | $72,512,400 | 4,879 |
| Average earning assets | $68,893,600 | 4,828 |
| Average equity | $4,986,600 | 5,472 |
| Average total loans | $38,068,800 | 4,943 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 4,723 |
| Cost of funding earning assets | 0.3328% | 3,750 |
| Net interest margin | 3.2006% | 4,487 |
| Noninterest income to average assets | 0.3194% | 4,488 |
| Noninterest expense to average assets | 3.0500% | 2,167 |
| Loan and lease loss provision to assets | 0.0340% | 3,555 |
| Net operating income to assets | 0.1890% | 5,485 |
| Return on assets (ROA) | 0.1890% | 5,551 |
| Pretax return on assets | 0.2702% | 5,491 |
| Return on Equity (ROE) | 2.6923% | 5,303 |
| Retained earnings to average equity (ytd only) | 2.6923% | 4,288 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9296% | 515 |
| Assets per employee ($millions) | 4.0645% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 4,137 |
| Loan loss allowance to noncurrent loans | 158.9844% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 4,004 |
| Noncurrent loans to loans | 0.6592% | 3,051 |
| Net loans and leases to total assets | 52.5280% | 4,611 |
| Net loans and leases to deposits | 56.9300% | 4,937 |
| Net loans and leases to core deposits | 57.1492% | 5,092 |
| Total domestic deposits to total assets | 92.2677% | 60 |
| Equity capital to assets | 6.8383% | 5,900 |
| Core capital (leverage) ratio | 6.8173% | 5,893 |
| Tier 1 risk-based capital ratio | 19.2283% | 1,619 |
| Total risk-based capital ratio | 20.4825% | 1,576 |
| Memoranda: | ||
| Average total assets | $70,555,250 | 4,963 |
| Average earning assets | $66,901,500 | 4,912 |
| Average equity | $4,952,250 | 5,533 |
| Average total loans | $37,758,000 | 5,000 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 4,822 |
| Cost of funding earning assets | 0.3364% | 3,735 |
| Net interest margin | 3.1788% | 4,613 |
| Noninterest income to average assets | 0.3243% | 4,464 |
| Noninterest expense to average assets | 3.0565% | 2,184 |
| Loan and lease loss provision to assets | 0.0344% | 3,462 |
| Net operating income to assets | 0.1693% | 5,581 |
| Return on assets (ROA) | 0.1693% | 5,633 |
| Pretax return on assets | 0.2439% | 5,564 |
| Return on Equity (ROE) | 2.3909% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.3909% | 4,357 |
| Net charge-offs to loans | 0.0214% | 3,066 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 24.2500% | 1,557 |
| Efficiency ratio | 91.6523% | 512 |
| Assets per employee ($millions) | 4.1082% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 4,303 |
| Loan loss allowance to noncurrent loans | 106.4343% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5044% | 3,530 |
| Noncurrent loans to loans | 0.9746% | 2,331 |
| Net loans and leases to total assets | 51.2178% | 4,748 |
| Net loans and leases to deposits | 55.3908% | 5,054 |
| Net loans and leases to core deposits | 55.8185% | 5,183 |
| Total domestic deposits to total assets | 92.4662% | 52 |
| Equity capital to assets | 6.7156% | 5,981 |
| Core capital (leverage) ratio | 6.8376% | 5,959 |
| Tier 1 risk-based capital ratio | 19.4396% | 1,585 |
| Total risk-based capital ratio | 20.6902% | 1,544 |
| Memoranda: | ||
| Average total assets | $69,686,670 | 5,029 |
| Average earning assets | $65,999,000 | 4,978 |
| Average equity | $4,935,330 | 5,594 |
| Average total loans | $37,398,330 | 5,063 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6276% | 4,545 |
| Cost of funding earning assets | 0.3446% | 3,664 |
| Net interest margin | 3.2831% | 4,291 |
| Noninterest income to average assets | 0.2960% | 4,607 |
| Noninterest expense to average assets | 3.1500% | 1,957 |
| Loan and lease loss provision to assets | 0.0355% | 3,191 |
| Net operating income to assets | 0.1480% | 5,615 |
| Return on assets (ROA) | 0.1480% | 5,670 |
| Pretax return on assets | 0.2132% | 5,628 |
| Return on Equity (ROE) | 2.0325% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.0325% | 4,446 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6829% | 512 |
| Assets per employee ($millions) | 3.9481% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 4,263 |
| Loan loss allowance to noncurrent loans | 157.3705% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 4,151 |
| Noncurrent loans to loans | 0.6761% | 3,149 |
| Net loans and leases to total assets | 51.6801% | 4,657 |
| Net loans and leases to deposits | 56.0273% | 4,985 |
| Net loans and leases to core deposits | 56.4787% | 5,115 |
| Total domestic deposits to total assets | 92.2410% | 87 |
| Equity capital to assets | 6.9400% | 6,013 |
| Core capital (leverage) ratio | 7.0765% | 5,991 |
| Tier 1 risk-based capital ratio | 19.8345% | 1,540 |
| Total risk-based capital ratio | 21.0875% | 1,504 |
| Memoranda: | ||
| Average total assets | $67,556,500 | 5,123 |
| Average earning assets | $63,843,000 | 5,080 |
| Average equity | $4,920,000 | 5,639 |
| Average total loans | $36,962,000 | 5,116 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7434% | 4,222 |
| Cost of funding earning assets | 0.3654% | 3,528 |
| Net interest margin | 3.3780% | 4,001 |
| Noninterest income to average assets | 0.3219% | 4,597 |
| Noninterest expense to average assets | 3.1039% | 2,226 |
| Loan and lease loss provision to assets | 0.0316% | 3,738 |
| Net operating income to assets | 0.2935% | 5,379 |
| Return on assets (ROA) | 0.2935% | 5,459 |
| Pretax return on assets | 0.4103% | 5,299 |
| Return on Equity (ROE) | 3.8695% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.8695% | 3,282 |
| Net charge-offs to loans | 0.0244% | 3,765 |
| Credit loss provision to net charge-offs | 222.2222% | 1,275 |
| Earnings coverage of net charge-offs (x) | 31.1111% | 1,415 |
| Efficiency ratio | 87.5389% | 864 |
| Assets per employee ($millions) | 3.5582% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 4,273 |
| Loan loss allowance to noncurrent loans | 148.4733% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 3,964 |
| Noncurrent loans to loans | 0.7119% | 3,053 |
| Net loans and leases to total assets | 56.8536% | 4,217 |
| Net loans and leases to deposits | 62.1637% | 4,621 |
| Net loans and leases to core deposits | 62.7248% | 4,821 |
| Total domestic deposits to total assets | 91.4578% | 185 |
| Equity capital to assets | 7.6631% | 5,954 |
| Core capital (leverage) ratio | 7.7737% | 5,916 |
| Tier 1 risk-based capital ratio | 19.6946% | 1,546 |
| Total risk-based capital ratio | 20.9491% | 1,515 |
| Memoranda: | ||
| Average total assets | $63,371,200 | 5,235 |
| Average earning assets | $60,479,200 | 5,172 |
| Average equity | $4,806,800 | 5,695 |
| Average total loans | $36,879,800 | 5,126 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7392% | 4,296 |
| Cost of funding earning assets | 0.3636% | 3,617 |
| Net interest margin | 3.3757% | 4,052 |
| Noninterest income to average assets | 0.3143% | 4,694 |
| Noninterest expense to average assets | 3.1475% | 2,092 |
| Loan and lease loss provision to assets | 0.0295% | 3,646 |
| Net operating income to assets | 0.2342% | 5,606 |
| Return on assets (ROA) | 0.2342% | 5,681 |
| Pretax return on assets | 0.3692% | 5,529 |
| Return on Equity (ROE) | 3.0953% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.0953% | 4,252 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7567% | 781 |
| Assets per employee ($millions) | 3.4948% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 4,430 |
| Loan loss allowance to noncurrent loans | 272.2222% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 4,848 |
| Noncurrent loans to loans | 0.3889% | 4,222 |
| Net loans and leases to total assets | 58.2393% | 4,111 |
| Net loans and leases to deposits | 63.8347% | 4,573 |
| Net loans and leases to core deposits | 64.4206% | 4,796 |
| Total domestic deposits to total assets | 91.2345% | 200 |
| Equity capital to assets | 7.6877% | 6,039 |
| Core capital (leverage) ratio | 7.6661% | 6,017 |
| Tier 1 risk-based capital ratio | 19.8109% | 1,598 |
| Total risk-based capital ratio | 21.0636% | 1,557 |
| Memoranda: | ||
| Average total assets | $63,202,250 | 5,304 |
| Average earning assets | $60,510,000 | 5,233 |
| Average equity | $4,781,500 | 5,781 |
| Average total loans | $36,899,250 | 5,179 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7126% | 4,372 |
| Cost of funding earning assets | 0.3584% | 3,722 |
| Net interest margin | 3.3541% | 4,086 |
| Noninterest income to average assets | 0.3128% | 4,717 |
| Noninterest expense to average assets | 3.1406% | 2,143 |
| Loan and lease loss provision to assets | 0.0253% | 3,627 |
| Net operating income to assets | 0.2338% | 5,620 |
| Return on assets (ROA) | 0.2338% | 5,692 |
| Pretax return on assets | 0.3697% | 5,536 |
| Return on Equity (ROE) | 3.1071% | 5,375 |
| Retained earnings to average equity (ytd only) | 3.1071% | 4,068 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8293% | 841 |
| Assets per employee ($millions) | 3.5162% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 4,610 |
| Loan loss allowance to noncurrent loans | 266.2069% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 4,957 |
| Noncurrent loans to loans | 0.3942% | 4,298 |
| Net loans and leases to total assets | 57.5002% | 4,167 |
| Net loans and leases to deposits | 62.8886% | 4,630 |
| Net loans and leases to core deposits | 63.4987% | 4,845 |
| Total domestic deposits to total assets | 91.4318% | 197 |
| Equity capital to assets | 7.5839% | 6,103 |
| Core capital (leverage) ratio | 7.5973% | 6,072 |
| Tier 1 risk-based capital ratio | 19.7873% | 1,602 |
| Total risk-based capital ratio | 21.0405% | 1,558 |
| Memoranda: | ||
| Average total assets | $63,301,000 | 5,365 |
| Average earning assets | $60,820,670 | 5,285 |
| Average equity | $4,763,330 | 5,838 |
| Average total loans | $36,856,330 | 5,229 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7262% | 4,270 |
| Cost of funding earning assets | 0.3471% | 3,895 |
| Net interest margin | 3.3791% | 3,921 |
| Noninterest income to average assets | 0.3222% | 4,611 |
| Noninterest expense to average assets | 3.2035% | 1,974 |
| Loan and lease loss provision to assets | 0.0379% | 3,146 |
| Net operating income to assets | 0.2148% | 5,648 |
| Return on assets (ROA) | 0.2148% | 5,738 |
| Pretax return on assets | 0.3412% | 5,555 |
| Return on Equity (ROE) | 2.8662% | 5,429 |
| Retained earnings to average equity (ytd only) | 2.8662% | 4,250 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4180% | 893 |
| Assets per employee ($millions) | 3.5933% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 4,829 |
| Loan loss allowance to noncurrent loans | 236.0248% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 4,612 |
| Noncurrent loans to loans | 0.4403% | 4,275 |
| Net loans and leases to total assets | 55.9471% | 4,209 |
| Net loans and leases to deposits | 61.0044% | 4,664 |
| Net loans and leases to core deposits | 61.5827% | 4,868 |
| Total domestic deposits to total assets | 91.7098% | 190 |
| Equity capital to assets | 7.3625% | 6,212 |
| Core capital (leverage) ratio | 7.6808% | 6,080 |
| Tier 1 risk-based capital ratio | 19.4567% | 1,747 |
| Total risk-based capital ratio | 20.7108% | 1,704 |
| Memoranda: | ||
| Average total assets | $63,305,500 | 5,415 |
| Average earning assets | $61,081,000 | 5,328 |
| Average equity | $4,745,000 | 5,897 |
| Average total loans | $36,895,000 | 5,252 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7456% | 4,655 |
| Cost of funding earning assets | 0.3845% | 3,850 |
| Net interest margin | 3.3610% | 4,368 |
| Noninterest income to average assets | 0.3460% | 4,631 |
| Noninterest expense to average assets | 3.1439% | 2,381 |
| Loan and lease loss provision to assets | 0.0376% | 3,825 |
| Net operating income to assets | 0.2834% | 5,557 |
| Return on assets (ROA) | 0.2834% | 5,633 |
| Pretax return on assets | 0.4353% | 5,411 |
| Return on Equity (ROE) | 3.9047% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.9047% | 3,434 |
| Net charge-offs to loans | 0.1391% | 2,632 |
| Credit loss provision to net charge-offs | 46.1538% | 3,566 |
| Earnings coverage of net charge-offs (x) | 5.8077% | 3,353 |
| Efficiency ratio | 86.9264% | 1,087 |
| Assets per employee ($millions) | 3.2596% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 5,016 |
| Loan loss allowance to noncurrent loans | 169.2308% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 4,633 |
| Noncurrent loans to loans | 0.5937% | 3,891 |
| Net loans and leases to total assets | 59.5007% | 3,847 |
| Net loans and leases to deposits | 65.1578% | 4,415 |
| Net loans and leases to core deposits | 65.8047% | 4,685 |
| Total domestic deposits to total assets | 91.3179% | 270 |
| Equity capital to assets | 7.6342% | 6,196 |
| Core capital (leverage) ratio | 7.6342% | 6,156 |
| Tier 1 risk-based capital ratio | 19.9090% | 1,613 |
| Total risk-based capital ratio | 21.1639% | 1,585 |
| Memoranda: | ||
| Average total assets | $63,870,000 | 5,452 |
| Average earning assets | $62,153,200 | 5,337 |
| Average equity | $4,635,400 | 5,949 |
| Average total loans | $37,381,400 | 5,281 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 4,742 |
| Cost of funding earning assets | 0.3875% | 3,929 |
| Net interest margin | 3.3512% | 4,424 |
| Noninterest income to average assets | 0.3377% | 4,734 |
| Noninterest expense to average assets | 3.1201% | 2,408 |
| Loan and lease loss provision to assets | 0.0373% | 3,658 |
| Net operating income to assets | 0.2776% | 5,660 |
| Return on assets (ROA) | 0.2776% | 5,722 |
| Pretax return on assets | 0.4413% | 5,495 |
| Return on Equity (ROE) | 3.8736% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.8736% | 3,895 |
| Net charge-offs to loans | 0.1853% | 1,978 |
| Credit loss provision to net charge-offs | 34.6154% | 3,379 |
| Earnings coverage of net charge-offs (x) | 4.4424% | 3,458 |
| Efficiency ratio | 86.7012% | 1,119 |
| Assets per employee ($millions) | 3.2968% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 5,327 |
| Loan loss allowance to noncurrent loans | 105.1429% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 4,185 |
| Noncurrent loans to loans | 0.9258% | 3,249 |
| Net loans and leases to total assets | 59.7647% | 3,826 |
| Net loans and leases to deposits | 65.4087% | 4,395 |
| Net loans and leases to core deposits | 66.0492% | 4,707 |
| Total domestic deposits to total assets | 91.3712% | 265 |
| Equity capital to assets | 7.4730% | 6,311 |
| Core capital (leverage) ratio | 7.4730% | 6,293 |
| Tier 1 risk-based capital ratio | 19.4952% | 1,783 |
| Total risk-based capital ratio | 20.7488% | 1,749 |
| Memoranda: | ||
| Average total assets | $64,354,500 | 5,503 |
| Average earning assets | $62,623,250 | 5,384 |
| Average equity | $4,612,250 | 6,016 |
| Average total loans | $37,420,750 | 5,326 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6952% | 4,875 |
| Cost of funding earning assets | 0.3860% | 4,039 |
| Net interest margin | 3.3093% | 4,551 |
| Noninterest income to average assets | 0.3481% | 4,642 |
| Noninterest expense to average assets | 3.1081% | 2,462 |
| Loan and lease loss provision to assets | 0.0370% | 3,553 |
| Net operating income to assets | 0.2680% | 5,672 |
| Return on assets (ROA) | 0.2680% | 5,746 |
| Pretax return on assets | 0.4251% | 5,490 |
| Return on Equity (ROE) | 3.7914% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.7914% | 3,766 |
| Net charge-offs to loans | 0.0965% | 2,704 |
| Credit loss provision to net charge-offs | 66.6667% | 2,524 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,507 |
| Efficiency ratio | 87.0578% | 1,179 |
| Assets per employee ($millions) | 3.4486% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 5,161 |
| Loan loss allowance to noncurrent loans | 155.2941% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 4,849 |
| Noncurrent loans to loans | 0.6684% | 4,038 |
| Net loans and leases to total assets | 57.6171% | 4,035 |
| Net loans and leases to deposits | 62.6887% | 4,624 |
| Net loans and leases to core deposits | 63.5401% | 4,858 |
| Total domestic deposits to total assets | 91.9098% | 183 |
| Equity capital to assets | 7.0722% | 6,435 |
| Core capital (leverage) ratio | 7.0722% | 6,415 |
| Tier 1 risk-based capital ratio | 18.9561% | 1,935 |
| Total risk-based capital ratio | 20.2119% | 1,896 |
| Memoranda: | ||
| Average total assets | $64,926,330 | 5,531 |
| Average earning assets | $63,216,670 | 5,413 |
| Average equity | $4,589,330 | 6,065 |
| Average total loans | $37,293,000 | 5,361 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7014% | 4,846 |
| Cost of funding earning assets | 0.3943% | 4,046 |
| Net interest margin | 3.3071% | 4,506 |
| Noninterest income to average assets | 0.3714% | 4,423 |
| Noninterest expense to average assets | 3.1566% | 2,359 |
| Loan and lease loss provision to assets | 0.0371% | 3,318 |
| Net operating income to assets | 0.2476% | 5,672 |
| Return on assets (ROA) | 0.2476% | 5,716 |
| Pretax return on assets | 0.3961% | 5,466 |
| Return on Equity (ROE) | 3.5034% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.5034% | 4,028 |
| Net charge-offs to loans | 0.1953% | 1,561 |
| Credit loss provision to net charge-offs | 33.3333% | 2,362 |
| Earnings coverage of net charge-offs (x) | 3.8889% | 2,606 |
| Efficiency ratio | 87.9310% | 1,233 |
| Assets per employee ($millions) | 3.4146% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 5,355 |
| Loan loss allowance to noncurrent loans | 239.2638% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 5,434 |
| Noncurrent loans to loans | 0.4344% | 4,844 |
| Net loans and leases to total assets | 57.2298% | 3,965 |
| Net loans and leases to deposits | 62.2531% | 4,520 |
| Net loans and leases to core deposits | 62.8378% | 4,802 |
| Total domestic deposits to total assets | 91.9309% | 259 |
| Equity capital to assets | 7.0703% | 6,433 |
| Core capital (leverage) ratio | 7.0703% | 6,453 |
| Tier 1 risk-based capital ratio | 19.0998% | 1,935 |
| Total risk-based capital ratio | 20.3531% | 1,901 |
| Memoranda: | ||
| Average total assets | $64,627,500 | 5,606 |
| Average earning assets | $62,894,500 | 5,476 |
| Average equity | $4,567,000 | 6,109 |
| Average total loans | $36,865,000 | 5,436 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7455% | 4,993 |
| Cost of funding earning assets | 0.4484% | 4,133 |
| Net interest margin | 3.2971% | 4,676 |
| Noninterest income to average assets | 0.4032% | 4,422 |
| Noninterest expense to average assets | 3.1847% | 2,462 |
| Loan and lease loss provision to assets | 0.0031% | 5,050 |
| Net operating income to assets | 0.2584% | 5,662 |
| Return on assets (ROA) | 0.2584% | 5,740 |
| Pretax return on assets | 0.3969% | 5,503 |
| Return on Equity (ROE) | 3.7201% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.7201% | 3,571 |
| Net charge-offs to loans | 0.3021% | 2,179 |
| Credit loss provision to net charge-offs | 1.8182% | 4,687 |
| Earnings coverage of net charge-offs (x) | 2.3364% | 4,231 |
| Efficiency ratio | 88.8406% | 1,124 |
| Assets per employee ($millions) | 3.3883% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 5,102 |
| Loan loss allowance to noncurrent loans | 246.6258% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 5,503 |
| Noncurrent loans to loans | 0.4501% | 4,870 |
| Net loans and leases to total assets | 55.6230% | 4,370 |
| Net loans and leases to deposits | 60.4810% | 4,899 |
| Net loans and leases to core deposits | 61.6323% | 5,094 |
| Total domestic deposits to total assets | 91.9678% | 290 |
| Equity capital to assets | 7.0630% | 6,444 |
| Core capital (leverage) ratio | 7.0630% | 6,514 |
| Tier 1 risk-based capital ratio | 19.5764% | 1,760 |
| Total risk-based capital ratio | 20.8335% | 1,724 |
| Memoranda: | ||
| Average total assets | $64,243,800 | 5,644 |
| Average earning assets | $61,993,800 | 5,538 |
| Average equity | $4,462,200 | 6,216 |
| Average total loans | $36,407,600 | 5,479 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7588% | 5,004 |
| Cost of funding earning assets | 0.4593% | 4,180 |
| Net interest margin | 3.2995% | 4,639 |
| Noninterest income to average assets | 0.3841% | 4,644 |
| Noninterest expense to average assets | 3.1645% | 2,462 |
| Loan and lease loss provision to assets | -0.0083% | 6,464 |
| Net operating income to assets | 0.2388% | 5,811 |
| Return on assets (ROA) | 0.2388% | 5,898 |
| Pretax return on assets | 0.4049% | 5,609 |
| Return on Equity (ROE) | 3.4526% | 5,461 |
| Retained earnings to average equity (ytd only) | 3.4526% | 4,234 |
| Net charge-offs to loans | 0.4023% | 1,593 |
| Credit loss provision to net charge-offs | -3.6364% | 5,582 |
| Earnings coverage of net charge-offs (x) | 1.7364% | 4,257 |
| Efficiency ratio | 88.8630% | 1,098 |
| Assets per employee ($millions) | 3.3471% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 5,345 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 3,965 |
| Noncurrent loans to loans | 0.4868% | 4,982 |
| Net loans and leases to total assets | 56.2293% | 4,285 |
| Net loans and leases to deposits | 61.2878% | 4,834 |
| Net loans and leases to core deposits | 62.1485% | 5,103 |
| Total domestic deposits to total assets | 91.7462% | 301 |
| Equity capital to assets | 7.0697% | 6,529 |
| Core capital (leverage) ratio | 7.0697% | 6,573 |
| Tier 1 risk-based capital ratio | 19.0460% | 1,979 |
| Total risk-based capital ratio | 20.2999% | 1,942 |
| Memoranda: | ||
| Average total assets | $64,210,250 | 5,704 |
| Average earning assets | $61,826,750 | 5,601 |
| Average equity | $4,441,000 | 6,299 |
| Average total loans | $36,456,750 | 5,533 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7514% | 4,983 |
| Cost of funding earning assets | 0.4713% | 4,188 |
| Net interest margin | 3.2800% | 4,654 |
| Noninterest income to average assets | 0.3602% | 4,813 |
| Noninterest expense to average assets | 3.1111% | 2,632 |
| Loan and lease loss provision to assets | -0.0310% | 6,614 |
| Net operating income to assets | 0.2546% | 5,767 |
| Return on assets (ROA) | 0.2546% | 5,891 |
| Pretax return on assets | 0.4347% | 5,564 |
| Return on Equity (ROE) | 3.7082% | 5,337 |
| Retained earnings to average equity (ytd only) | 3.7082% | 3,947 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5159% | 1,169 |
| Assets per employee ($millions) | 3.4262% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 4,213 |
| Loan loss allowance to noncurrent loans | 306.7485% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.9893% | 3,786 |
| Noncurrent loans to loans | 0.4432% | 5,154 |
| Net loans and leases to total assets | 55.7276% | 4,337 |
| Net loans and leases to deposits | 60.5212% | 4,919 |
| Net loans and leases to core deposits | 61.6107% | 5,134 |
| Total domestic deposits to total assets | 92.0795% | 237 |
| Equity capital to assets | 6.8559% | 6,632 |
| Core capital (leverage) ratio | 6.8559% | 6,647 |
| Tier 1 risk-based capital ratio | 18.5680% | 2,117 |
| Total risk-based capital ratio | 19.8286% | 2,078 |
| Memoranda: | ||
| Average total assets | $64,415,330 | 5,737 |
| Average earning assets | $61,950,330 | 5,628 |
| Average equity | $4,422,670 | 6,349 |
| Average total loans | $36,557,330 | 5,558 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 5,068 |
| Cost of funding earning assets | 0.4878% | 4,199 |
| Net interest margin | 3.2390% | 4,763 |
| Noninterest income to average assets | 0.4432% | 4,155 |
| Noninterest expense to average assets | 3.0589% | 2,812 |
| Loan and lease loss provision to assets | 0.0375% | 3,963 |
| Net operating income to assets | 0.2684% | 5,669 |
| Return on assets (ROA) | 0.2684% | 5,788 |
| Pretax return on assets | 0.4557% | 5,398 |
| Return on Equity (ROE) | 3.9069% | 5,139 |
| Retained earnings to average equity (ytd only) | 3.9069% | 3,887 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1160% | 1,503 |
| Assets per employee ($millions) | 3.3766% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 4,154 |
| Loan loss allowance to noncurrent loans | 117.5399% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.7083% | 2,729 |
| Noncurrent loans to loans | 1.2050% | 3,759 |
| Net loans and leases to total assets | 55.9823% | 4,076 |
| Net loans and leases to deposits | 60.7490% | 4,713 |
| Net loans and leases to core deposits | 61.8580% | 4,966 |
| Total domestic deposits to total assets | 92.1535% | 220 |
| Equity capital to assets | 6.8957% | 6,733 |
| Core capital (leverage) ratio | 6.8957% | 6,672 |
| Tier 1 risk-based capital ratio | 18.7919% | 2,097 |
| Total risk-based capital ratio | 20.0535% | 2,070 |
| Memoranda: | ||
| Average total assets | $64,074,500 | 5,803 |
| Average earning assets | $61,501,000 | 5,694 |
| Average equity | $4,402,500 | 6,420 |
| Average total loans | $36,447,500 | 5,595 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 5,414 |
| Cost of funding earning assets | 0.6303% | 4,096 |
| Net interest margin | 3.3304% | 5,140 |
| Noninterest income to average assets | 0.3665% | 4,855 |
| Noninterest expense to average assets | 3.2682% | 2,431 |
| Loan and lease loss provision to assets | 0.2099% | 3,044 |
| Net operating income to assets | 0.0824% | 6,041 |
| Return on assets (ROA) | 0.0824% | 6,183 |
| Pretax return on assets | 0.1050% | 6,152 |
| Return on Equity (ROE) | 1.1720% | 6,093 |
| Retained earnings to average equity (ytd only) | 1.1720% | 5,283 |
| Net charge-offs to loans | 0.1374% | 4,317 |
| Credit loss provision to net charge-offs | 254.9020% | 944 |
| Earnings coverage of net charge-offs (x) | 3.8235% | 3,586 |
| Efficiency ratio | 91.2123% | 970 |
| Assets per employee ($millions) | 3.3681% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 4,157 |
| Loan loss allowance to noncurrent loans | 107.5630% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.7736% | 2,748 |
| Noncurrent loans to loans | 1.3054% | 3,652 |
| Net loans and leases to total assets | 56.1796% | 4,260 |
| Net loans and leases to deposits | 60.9143% | 4,923 |
| Net loans and leases to core deposits | 62.3511% | 5,121 |
| Total domestic deposits to total assets | 92.2273% | 208 |
| Equity capital to assets | 6.8461% | 6,800 |
| Core capital (leverage) ratio | 6.8461% | 6,743 |
| Tier 1 risk-based capital ratio | 18.5636% | 2,084 |
| Total risk-based capital ratio | 19.8263% | 2,044 |
| Memoranda: | ||
| Average total assets | $61,930,400 | 5,876 |
| Average earning assets | $59,811,800 | 5,750 |
| Average equity | $4,351,400 | 6,476 |
| Average total loans | $37,120,800 | 5,628 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0301% | 5,432 |
| Cost of funding earning assets | 0.6575% | 4,130 |
| Net interest margin | 3.3726% | 5,127 |
| Noninterest income to average assets | 0.3387% | 5,098 |
| Noninterest expense to average assets | 3.2804% | 2,325 |
| Loan and lease loss provision to assets | 0.2649% | 2,459 |
| Net operating income to assets | 0.0347% | 6,232 |
| Return on assets (ROA) | 0.0347% | 6,364 |
| Pretax return on assets | 0.0564% | 6,326 |
| Return on Equity (ROE) | 0.4910% | 6,339 |
| Retained earnings to average equity (ytd only) | 0.4910% | 5,942 |
| Net charge-offs to loans | -0.0072% | 6,312 |
| Credit loss provision to net charge-offs | -6,100.0000% | 6,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0790% | 956 |
| Assets per employee ($millions) | 3.1813% | 5,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 3,886 |
| Loan loss allowance to noncurrent loans | 57.1282% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 1.9092% | 2,772 |
| Noncurrent loans to loans | 2.6536% | 2,135 |
| Net loans and leases to total assets | 59.8660% | 3,809 |
| Net loans and leases to deposits | 65.3189% | 4,558 |
| Net loans and leases to core deposits | 66.5906% | 4,891 |
| Total domestic deposits to total assets | 91.6519% | 256 |
| Equity capital to assets | 7.1900% | 6,848 |
| Core capital (leverage) ratio | 7.1900% | 6,754 |
| Tier 1 risk-based capital ratio | 19.1673% | 1,957 |
| Total risk-based capital ratio | 20.4331% | 1,926 |
| Memoranda: | ||
| Average total assets | $61,414,750 | 5,954 |
| Average earning assets | $59,418,000 | 5,833 |
| Average equity | $4,344,000 | 6,557 |
| Average total loans | $37,285,250 | 5,689 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 5,456 |
| Cost of funding earning assets | 0.6722% | 4,251 |
| Net interest margin | 3.3880% | 5,126 |
| Noninterest income to average assets | 0.3531% | 5,011 |
| Noninterest expense to average assets | 3.2492% | 2,439 |
| Loan and lease loss provision to assets | 0.3466% | 1,896 |
| Net operating income to assets | 0.0259% | 6,291 |
| Return on assets (ROA) | 0.0259% | 6,429 |
| Pretax return on assets | 0.0389% | 6,404 |
| Return on Equity (ROE) | 0.3684% | 6,413 |
| Retained earnings to average equity (ytd only) | 0.3684% | 5,923 |
| Net charge-offs to loans | 0.4110% | 2,387 |
| Credit loss provision to net charge-offs | 138.9610% | 1,987 |
| Earnings coverage of net charge-offs (x) | 1.5455% | 4,218 |
| Efficiency ratio | 89.3939% | 1,128 |
| Assets per employee ($millions) | 3.2956% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 5,179 |
| Loan loss allowance to noncurrent loans | 45.2148% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 1.6354% | 3,276 |
| Noncurrent loans to loans | 2.7341% | 2,197 |
| Net loans and leases to total assets | 59.0744% | 3,983 |
| Net loans and leases to deposits | 64.1798% | 4,742 |
| Net loans and leases to core deposits | 65.3788% | 5,071 |
| Total domestic deposits to total assets | 92.0452% | 220 |
| Equity capital to assets | 6.9279% | 6,922 |
| Core capital (leverage) ratio | 6.9279% | 6,837 |
| Tier 1 risk-based capital ratio | 18.5957% | 2,102 |
| Total risk-based capital ratio | 19.8603% | 2,054 |
| Memoranda: | ||
| Average total assets | $61,738,000 | 5,986 |
| Average earning assets | $59,799,670 | 5,844 |
| Average equity | $4,343,330 | 6,591 |
| Average total loans | $37,466,000 | 5,709 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1240% | 5,371 |
| Cost of funding earning assets | 0.6873% | 4,389 |
| Net interest margin | 3.4366% | 4,973 |
| Noninterest income to average assets | 0.3719% | 4,888 |
| Noninterest expense to average assets | 3.2627% | 2,409 |
| Loan and lease loss provision to assets | 0.0979% | 4,122 |
| Net operating income to assets | 0.2023% | 5,979 |
| Return on assets (ROA) | 0.2023% | 6,126 |
| Pretax return on assets | 0.3393% | 5,881 |
| Return on Equity (ROE) | 2.8532% | 5,767 |
| Retained earnings to average equity (ytd only) | 2.8532% | 4,819 |
| Net charge-offs to loans | 0.0213% | 4,385 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 847 |
| Efficiency ratio | 88.1834% | 1,268 |
| Assets per employee ($millions) | 3.2582% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 5,494 |
| Loan loss allowance to noncurrent loans | 109.2910% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6607% | 5,237 |
| Noncurrent loans to loans | 1.0963% | 4,501 |
| Net loans and leases to total assets | 59.5461% | 3,766 |
| Net loans and leases to deposits | 64.7304% | 4,525 |
| Net loans and leases to core deposits | 65.6597% | 4,955 |
| Total domestic deposits to total assets | 91.9910% | 256 |
| Equity capital to assets | 7.0447% | 6,930 |
| Core capital (leverage) ratio | 7.0447% | 6,824 |
| Tier 1 risk-based capital ratio | 18.8185% | 2,044 |
| Total risk-based capital ratio | 20.0785% | 2,008 |
| Memoranda: | ||
| Average total assets | $61,299,000 | 6,028 |
| Average earning assets | $59,360,500 | 5,895 |
| Average equity | $4,346,000 | 6,622 |
| Average total loans | $37,472,500 | 5,756 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 5,623 |
| Cost of funding earning assets | 0.8170% | 4,732 |
| Net interest margin | 3.5254% | 5,044 |
| Noninterest income to average assets | 0.4153% | 4,490 |
| Noninterest expense to average assets | 3.3634% | 2,328 |
| Loan and lease loss provision to assets | 0.1522% | 4,718 |
| Net operating income to assets | 0.2233% | 5,514 |
| Return on assets (ROA) | 0.2233% | 5,656 |
| Pretax return on assets | 0.2978% | 5,559 |
| Return on Equity (ROE) | 3.1747% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.1747% | 3,957 |
| Net charge-offs to loans | 0.2679% | 4,091 |
| Credit loss provision to net charge-offs | 91.0891% | 3,962 |
| Earnings coverage of net charge-offs (x) | 2.6931% | 3,862 |
| Efficiency ratio | 88.1996% | 1,347 |
| Assets per employee ($millions) | 3.1944% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 5,614 |
| Loan loss allowance to noncurrent loans | 126.5306% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 5,557 |
| Noncurrent loans to loans | 0.9114% | 4,864 |
| Net loans and leases to total assets | 61.2954% | 3,729 |
| Net loans and leases to deposits | 66.6583% | 4,643 |
| Net loans and leases to core deposits | 67.3303% | 5,116 |
| Total domestic deposits to total assets | 91.9546% | 243 |
| Equity capital to assets | 7.1359% | 6,925 |
| Core capital (leverage) ratio | 7.1359% | 6,818 |
| Tier 1 risk-based capital ratio | 18.7359% | 1,981 |
| Total risk-based capital ratio | 19.9948% | 1,935 |
| Memoranda: | ||
| Average total assets | $60,444,800 | 6,021 |
| Average earning assets | $58,262,400 | 5,922 |
| Average equity | $4,252,400 | 6,674 |
| Average total loans | $37,698,000 | 5,799 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3816% | 5,668 |
| Cost of funding earning assets | 0.8415% | 4,836 |
| Net interest margin | 3.5401% | 5,022 |
| Noninterest income to average assets | 0.4041% | 4,637 |
| Noninterest expense to average assets | 3.4049% | 2,177 |
| Loan and lease loss provision to assets | 0.1369% | 4,724 |
| Net operating income to assets | 0.1855% | 5,740 |
| Return on assets (ROA) | 0.1855% | 5,867 |
| Pretax return on assets | 0.2716% | 5,767 |
| Return on Equity (ROE) | 2.6460% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.6460% | 4,776 |
| Net charge-offs to loans | 0.2546% | 3,844 |
| Credit loss provision to net charge-offs | 86.1111% | 3,921 |
| Earnings coverage of net charge-offs (x) | 2.5694% | 3,831 |
| Efficiency ratio | 89.2878% | 1,213 |
| Assets per employee ($millions) | 3.1600% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 5,660 |
| Loan loss allowance to noncurrent loans | 90.2490% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 5,165 |
| Noncurrent loans to loans | 1.2792% | 4,394 |
| Net loans and leases to total assets | 62.0320% | 3,714 |
| Net loans and leases to deposits | 67.6033% | 4,678 |
| Net loans and leases to core deposits | 67.9734% | 5,185 |
| Total domestic deposits to total assets | 91.7588% | 247 |
| Equity capital to assets | 7.1269% | 7,027 |
| Core capital (leverage) ratio | 7.1269% | 6,918 |
| Tier 1 risk-based capital ratio | 18.4615% | 2,099 |
| Total risk-based capital ratio | 19.7213% | 2,063 |
| Memoranda: | ||
| Average total assets | $60,382,750 | 6,073 |
| Average earning assets | $58,150,750 | 5,972 |
| Average equity | $4,232,750 | 6,728 |
| Average total loans | $37,713,500 | 5,855 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 5,670 |
| Cost of funding earning assets | 0.8729% | 4,879 |
| Net interest margin | 3.5329% | 5,004 |
| Noninterest income to average assets | 0.3240% | 5,301 |
| Noninterest expense to average assets | 3.4316% | 2,178 |
| Loan and lease loss provision to assets | 0.0661% | 5,482 |
| Net operating income to assets | 0.1521% | 5,877 |
| Return on assets (ROA) | 0.1521% | 5,972 |
| Pretax return on assets | 0.2248% | 5,872 |
| Return on Equity (ROE) | 2.1815% | 5,728 |
| Retained earnings to average equity (ytd only) | 2.1815% | 4,899 |
| Net charge-offs to loans | 0.1060% | 4,625 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 4.4000% | 2,868 |
| Efficiency ratio | 92.1847% | 1,086 |
| Assets per employee ($millions) | 3.1872% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 5,692 |
| Loan loss allowance to noncurrent loans | 80.1444% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.1592% | 4,571 |
| Noncurrent loans to loans | 1.4532% | 4,243 |
| Net loans and leases to total assets | 62.2207% | 3,844 |
| Net loans and leases to deposits | 67.6317% | 4,765 |
| Net loans and leases to core deposits | 68.2677% | 5,269 |
| Total domestic deposits to total assets | 91.9993% | 233 |
| Equity capital to assets | 7.0033% | 7,100 |
| Core capital (leverage) ratio | 7.0033% | 6,995 |
| Tier 1 risk-based capital ratio | 18.0338% | 2,162 |
| Total risk-based capital ratio | 19.2924% | 2,114 |
| Memoranda: | ||
| Average total assets | $60,497,000 | 6,124 |
| Average earning assets | $58,196,330 | 6,017 |
| Average equity | $4,217,330 | 6,772 |
| Average total loans | $37,725,000 | 5,901 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 5,666 |
| Cost of funding earning assets | 0.9282% | 4,726 |
| Net interest margin | 3.4789% | 5,103 |
| Noninterest income to average assets | 0.3440% | 5,166 |
| Noninterest expense to average assets | 3.4200% | 2,223 |
| Loan and lease loss provision to assets | 0.0662% | 5,169 |
| Net operating income to assets | 0.1389% | 5,976 |
| Return on assets (ROA) | 0.1389% | 6,034 |
| Pretax return on assets | 0.2051% | 5,931 |
| Return on Equity (ROE) | 1.9974% | 5,789 |
| Retained earnings to average equity (ytd only) | 1.9974% | 4,933 |
| Net charge-offs to loans | 0.2132% | 3,238 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 2.0500% | 3,274 |
| Efficiency ratio | 92.6523% | 1,121 |
| Assets per employee ($millions) | 3.1788% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 5,789 |
| Loan loss allowance to noncurrent loans | 78.3394% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.1623% | 4,615 |
| Noncurrent loans to loans | 1.4851% | 4,242 |
| Net loans and leases to total assets | 61.0434% | 4,068 |
| Net loans and leases to deposits | 66.2647% | 4,936 |
| Net loans and leases to core deposits | 66.8886% | 5,417 |
| Total domestic deposits to total assets | 92.1206% | 255 |
| Equity capital to assets | 6.9804% | 7,089 |
| Core capital (leverage) ratio | 6.9804% | 7,019 |
| Tier 1 risk-based capital ratio | 18.2353% | 2,042 |
| Total risk-based capital ratio | 19.4939% | 1,996 |
| Memoranda: | ||
| Average total assets | $60,467,000 | 6,169 |
| Average earning assets | $58,179,000 | 6,058 |
| Average equity | $4,205,500 | 6,809 |
| Average total loans | $37,526,000 | 5,963 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7767% | 5,501 |
| Cost of funding earning assets | 1.1824% | 4,663 |
| Net interest margin | 3.5943% | 4,845 |
| Noninterest income to average assets | 0.3426% | 5,343 |
| Noninterest expense to average assets | 3.3554% | 2,565 |
| Loan and lease loss provision to assets | 0.0537% | 6,608 |
| Net operating income to assets | 0.2704% | 5,033 |
| Return on assets (ROA) | 0.2704% | 5,195 |
| Pretax return on assets | 0.3896% | 4,981 |
| Return on Equity (ROE) | 3.9091% | 4,566 |
| Retained earnings to average equity (ytd only) | 3.9091% | 3,125 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3289% | 1,454 |
| Assets per employee ($millions) | 3.1861% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 5,620 |
| Loan loss allowance to noncurrent loans | 79.7127% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 4,681 |
| Noncurrent loans to loans | 1.4755% | 4,270 |
| Net loans and leases to total assets | 61.6245% | 4,368 |
| Net loans and leases to deposits | 66.9076% | 5,271 |
| Net loans and leases to core deposits | 68.1221% | 5,648 |
| Total domestic deposits to total assets | 92.1039% | 262 |
| Equity capital to assets | 6.9298% | 7,137 |
| Core capital (leverage) ratio | 6.9298% | 7,056 |
| Tier 1 risk-based capital ratio | 18.0275% | 1,988 |
| Total risk-based capital ratio | 19.2866% | 1,948 |
| Memoranda: | ||
| Average total assets | $59,545,400 | 6,219 |
| Average earning assets | $57,256,800 | 6,090 |
| Average equity | $4,118,600 | 6,952 |
| Average total loans | $37,259,200 | 6,056 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 5,547 |
| Cost of funding earning assets | 1.2187% | 4,752 |
| Net interest margin | 3.6117% | 4,819 |
| Noninterest income to average assets | 0.3440% | 5,420 |
| Noninterest expense to average assets | 3.3772% | 2,365 |
| Loan and lease loss provision to assets | 0.0382% | 6,697 |
| Net operating income to assets | 0.2721% | 5,270 |
| Return on assets (ROA) | 0.2721% | 5,433 |
| Pretax return on assets | 0.4002% | 5,215 |
| Return on Equity (ROE) | 3.9354% | 4,815 |
| Retained earnings to average equity (ytd only) | 3.9354% | 3,705 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5091% | 1,412 |
| Assets per employee ($millions) | 3.1649% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 5,834 |
| Loan loss allowance to noncurrent loans | 123.2759% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 5,444 |
| Noncurrent loans to loans | 0.9132% | 5,416 |
| Net loans and leases to total assets | 62.6611% | 4,395 |
| Net loans and leases to deposits | 68.4233% | 5,363 |
| Net loans and leases to core deposits | 69.6488% | 5,781 |
| Total domestic deposits to total assets | 91.5787% | 286 |
| Equity capital to assets | 6.9097% | 7,366 |
| Core capital (leverage) ratio | 6.9097% | 7,205 |
| Tier 1 risk-based capital ratio | 17.8097% | 2,074 |
| Total risk-based capital ratio | 19.0656% | 2,040 |
| Memoranda: | ||
| Average total assets | $59,297,750 | 6,296 |
| Average earning assets | $56,998,500 | 6,166 |
| Average equity | $4,099,500 | 7,050 |
| Average total loans | $37,136,750 | 6,138 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8794% | 5,488 |
| Cost of funding earning assets | 1.2586% | 4,773 |
| Net interest margin | 3.6208% | 4,731 |
| Noninterest income to average assets | 0.3389% | 5,433 |
| Noninterest expense to average assets | 3.3989% | 2,267 |
| Loan and lease loss provision to assets | 0.0305% | 6,636 |
| Net operating income to assets | 0.2643% | 5,321 |
| Return on assets (ROA) | 0.2643% | 5,466 |
| Pretax return on assets | 0.3897% | 5,261 |
| Return on Equity (ROE) | 3.8226% | 4,867 |
| Retained earnings to average equity (ytd only) | 3.8226% | 3,658 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9973% | 1,413 |
| Assets per employee ($millions) | 3.1835% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 5,829 |
| Loan loss allowance to noncurrent loans | 286.3946% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 6,230 |
| Noncurrent loans to loans | 0.3924% | 6,456 |
| Net loans and leases to total assets | 61.2330% | 4,835 |
| Net loans and leases to deposits | 66.5122% | 5,747 |
| Net loans and leases to core deposits | 67.6876% | 6,085 |
| Total domestic deposits to total assets | 92.0628% | 210 |
| Equity capital to assets | 6.7982% | 7,411 |
| Core capital (leverage) ratio | 6.7982% | 7,282 |
| Tier 1 risk-based capital ratio | 17.6367% | 2,060 |
| Total risk-based capital ratio | 18.8848% | 2,031 |
| Memoranda: | ||
| Average total assets | $59,019,330 | 6,349 |
| Average earning assets | $56,728,000 | 6,213 |
| Average equity | $4,081,000 | 7,092 |
| Average total loans | $36,812,670 | 6,204 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9595% | 5,195 |
| Cost of funding earning assets | 1.3344% | 4,600 |
| Net interest margin | 3.6250% | 4,601 |
| Noninterest income to average assets | 0.3226% | 5,569 |
| Noninterest expense to average assets | 3.3490% | 2,378 |
| Loan and lease loss provision to assets | 0.0343% | 6,333 |
| Net operating income to assets | 0.2882% | 5,338 |
| Return on assets (ROA) | 0.2882% | 5,473 |
| Pretax return on assets | 0.4255% | 5,209 |
| Return on Equity (ROE) | 4.1323% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.1323% | 3,671 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9279% | 1,592 |
| Assets per employee ($millions) | 3.0715% | 6,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 5,816 |
| Loan loss allowance to noncurrent loans | 144.7917% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 6,252 |
| Noncurrent loans to loans | 0.7884% | 5,742 |
| Net loans and leases to total assets | 61.8818% | 4,782 |
| Net loans and leases to deposits | 67.2896% | 5,678 |
| Net loans and leases to core deposits | 68.5243% | 6,053 |
| Total domestic deposits to total assets | 91.9634% | 251 |
| Equity capital to assets | 6.9845% | 7,376 |
| Core capital (leverage) ratio | 6.9845% | 7,264 |
| Tier 1 risk-based capital ratio | 17.7480% | 2,007 |
| Total risk-based capital ratio | 19.0064% | 1,977 |
| Memoranda: | ||
| Average total assets | $58,285,500 | 6,459 |
| Average earning assets | $56,054,500 | 6,323 |
| Average equity | $4,065,500 | 7,160 |
| Average total loans | $36,489,500 | 6,281 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2724% | 5,313 |
| Cost of funding earning assets | 1.7282% | 4,365 |
| Net interest margin | 3.5442% | 4,764 |
| Noninterest income to average assets | 0.3472% | 5,613 |
| Noninterest expense to average assets | 3.4422% | 2,548 |
| Loan and lease loss provision to assets | 0.0317% | 7,211 |
| Net operating income to assets | 0.2080% | 4,875 |
| Return on assets (ROA) | 0.2080% | 4,938 |
| Pretax return on assets | 0.2926% | 4,783 |
| Return on Equity (ROE) | 2.9601% | 4,516 |
| Retained earnings to average equity (ytd only) | 2.9601% | 3,097 |
| Net charge-offs to loans | 0.0692% | 6,426 |
| Credit loss provision to net charge-offs | 72.0000% | 6,448 |
| Earnings coverage of net charge-offs (x) | 7.3600% | 2,168 |
| Efficiency ratio | 91.3898% | 1,610 |
| Assets per employee ($millions) | 3.2341% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 5,749 |
| Loan loss allowance to noncurrent loans | 286.1111% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 6,837 |
| Noncurrent loans to loans | 0.3951% | 6,485 |
| Net loans and leases to total assets | 61.9054% | 5,006 |
| Net loans and leases to deposits | 67.1969% | 5,921 |
| Net loans and leases to core deposits | 77.5690% | 6,297 |
| Total domestic deposits to total assets | 92.1255% | 241 |
| Equity capital to assets | 6.9658% | 7,385 |
| Core capital (leverage) ratio | 6.9658% | 7,269 |
| Tier 1 risk-based capital ratio | 16.2825% | 2,400 |
| Total risk-based capital ratio | 17.5394% | 2,343 |
| Memoranda: | ||
| Average total assets | $56,736,400 | 6,464 |
| Average earning assets | $54,737,800 | 6,342 |
| Average equity | $3,986,400 | 7,303 |
| Average total loans | $36,109,200 | 6,302 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3160% | 5,337 |
| Cost of funding earning assets | 1.7834% | 4,459 |
| Net interest margin | 3.5326% | 4,732 |
| Noninterest income to average assets | 0.3311% | 5,838 |
| Noninterest expense to average assets | 3.4677% | 2,364 |
| Loan and lease loss provision to assets | 0.0307% | 7,046 |
| Net operating income to assets | 0.1679% | 5,260 |
| Return on assets (ROA) | 0.1679% | 5,328 |
| Pretax return on assets | 0.2436% | 5,203 |
| Return on Equity (ROE) | 2.3848% | 5,032 |
| Retained earnings to average equity (ytd only) | 2.3848% | 3,989 |
| Net charge-offs to loans | 0.0925% | 5,755 |
| Credit loss provision to net charge-offs | 52.0000% | 6,281 |
| Earnings coverage of net charge-offs (x) | 4.6403% | 3,062 |
| Efficiency ratio | 92.6675% | 1,485 |
| Assets per employee ($millions) | 3.1471% | 5,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 5,592 |
| Loan loss allowance to noncurrent loans | 255.0000% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 6,795 |
| Noncurrent loans to loans | 0.4398% | 6,452 |
| Net loans and leases to total assets | 63.5003% | 4,979 |
| Net loans and leases to deposits | 69.4019% | 5,991 |
| Net loans and leases to core deposits | 79.9054% | 6,360 |
| Total domestic deposits to total assets | 91.4965% | 257 |
| Equity capital to assets | 7.0754% | 7,561 |
| Core capital (leverage) ratio | 7.0754% | 7,381 |
| Tier 1 risk-based capital ratio | 16.3358% | 2,502 |
| Total risk-based capital ratio | 17.5912% | 2,438 |
| Memoranda: | ||
| Average total assets | $56,367,250 | 6,530 |
| Average earning assets | $54,425,500 | 6,405 |
| Average equity | $3,969,250 | 7,370 |
| Average total loans | $36,024,250 | 6,347 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3109% | 5,602 |
| Cost of funding earning assets | 1.8182% | 4,669 |
| Net interest margin | 3.4928% | 4,830 |
| Noninterest income to average assets | 0.3234% | 5,924 |
| Noninterest expense to average assets | 3.4794% | 2,400 |
| Loan and lease loss provision to assets | 0.0320% | 6,922 |
| Net operating income to assets | 0.1279% | 5,482 |
| Return on assets (ROA) | 0.1279% | 5,586 |
| Pretax return on assets | 0.1848% | 5,506 |
| Return on Equity (ROE) | 1.8199% | 5,367 |
| Retained earnings to average equity (ytd only) | 1.8199% | 4,329 |
| Net charge-offs to loans | 0.1393% | 4,776 |
| Credit loss provision to net charge-offs | 36.0000% | 5,959 |
| Earnings coverage of net charge-offs (x) | 2.4400% | 3,847 |
| Efficiency ratio | 94.1346% | 1,485 |
| Assets per employee ($millions) | 3.2124% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 5,555 |
| Loan loss allowance to noncurrent loans | 209.8958% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 6,633 |
| Noncurrent loans to loans | 0.5273% | 6,217 |
| Net loans and leases to total assets | 62.2735% | 5,311 |
| Net loans and leases to deposits | 67.7727% | 6,218 |
| Net loans and leases to core deposits | 77.5154% | 6,574 |
| Total domestic deposits to total assets | 91.8857% | 231 |
| Equity capital to assets | 6.8708% | 7,672 |
| Core capital (leverage) ratio | 6.8708% | 7,618 |
| Tier 1 risk-based capital ratio | 16.0636% | 2,602 |
| Total risk-based capital ratio | 17.3210% | 2,543 |
| Memoranda: | ||
| Average total assets | $56,274,000 | 6,579 |
| Average earning assets | $54,340,670 | 6,453 |
| Average equity | $3,956,330 | 7,434 |
| Average total loans | $35,906,000 | 6,409 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 5,729 |
| Cost of funding earning assets | 1.8828% | 4,729 |
| Net interest margin | 3.4519% | 4,932 |
| Noninterest income to average assets | 0.3171% | 5,907 |
| Noninterest expense to average assets | 3.4091% | 2,330 |
| Loan and lease loss provision to assets | 0.0288% | 6,563 |
| Net operating income to assets | 0.1441% | 5,839 |
| Return on assets (ROA) | 0.1441% | 6,010 |
| Pretax return on assets | 0.2090% | 5,916 |
| Return on Equity (ROE) | 2.0263% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.0263% | 4,733 |
| Net charge-offs to loans | 0.2805% | 2,995 |
| Credit loss provision to net charge-offs | 16.0000% | 5,128 |
| Earnings coverage of net charge-offs (x) | 1.3200% | 4,082 |
| Efficiency ratio | 93.4783% | 1,464 |
| Assets per employee ($millions) | 3.1589% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 5,273 |
| Loan loss allowance to noncurrent loans | 207.8125% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 6,503 |
| Noncurrent loans to loans | 0.5427% | 6,057 |
| Net loans and leases to total assets | 61.5167% | 5,413 |
| Net loans and leases to deposits | 66.8099% | 6,297 |
| Net loans and leases to core deposits | 75.6663% | 6,701 |
| Total domestic deposits to total assets | 92.0772% | 175 |
| Equity capital to assets | 6.9608% | 7,701 |
| Core capital (leverage) ratio | 6.9608% | 7,657 |
| Tier 1 risk-based capital ratio | 16.4219% | 2,541 |
| Total risk-based capital ratio | 17.6749% | 2,484 |
| Memoranda: | ||
| Average total assets | $55,499,000 | 6,647 |
| Average earning assets | $53,536,000 | 6,522 |
| Average equity | $3,948,000 | 7,476 |
| Average total loans | $35,653,000 | 6,457 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7732% | 6,526 |
| Cost of funding earning assets | 2.2288% | 5,464 |
| Net interest margin | 3.5445% | 5,127 |
| Noninterest income to average assets | 0.3333% | 6,069 |
| Noninterest expense to average assets | 3.3734% | 2,752 |
| Loan and lease loss provision to assets | 0.0403% | 6,910 |
| Net operating income to assets | 0.2472% | 5,718 |
| Return on assets (ROA) | -0.5531% | 6,848 |
| Pretax return on assets | -0.4469% | 6,602 |
| Return on Equity (ROE) | -7.5481% | 7,098 |
| Retained earnings to average equity (ytd only) | -7.5481% | 6,842 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5479% | 1,550 |
| Assets per employee ($millions) | 3.0076% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 4,786 |
| Loan loss allowance to noncurrent loans | 218.7500% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 6,176 |
| Noncurrent loans to loans | 0.5344% | 5,755 |
| Net loans and leases to total assets | 65.5892% | 4,933 |
| Net loans and leases to deposits | 71.4317% | 6,122 |
| Net loans and leases to core deposits | 80.5810% | 6,573 |
| Total domestic deposits to total assets | 91.8208% | 157 |
| Equity capital to assets | 7.2741% | 7,578 |
| Core capital (leverage) ratio | 7.2741% | 7,443 |
| Tier 1 risk-based capital ratio | 16.6681% | 2,429 |
| Total risk-based capital ratio | 17.9252% | 2,361 |
| Memoranda: | ||
| Average total assets | $54,603,000 | 6,598 |
| Average earning assets | $52,899,200 | 6,468 |
| Average equity | $4,001,000 | 7,510 |
| Average total loans | $35,490,400 | 6,393 |