Home > First Federal Savings and Loan Association > Performance and Condition Ratios
First Federal Savings and Loan Association, 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 | 4.6939% | 2,694 |
| Cost of funding earning assets | 1.3129% | 2,479 |
| Net interest margin | 3.3810% | 2,445 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 3.5151% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0634% | 4,276 |
| Return on assets (ROA) | 0.0634% | 4,306 |
| Pretax return on assets | -0.0303% | 4,373 |
| Return on Equity (ROE) | 0.2300% | 4,326 |
| Retained earnings to average equity (ytd only) | 0.2265% | 3,999 |
| Net charge-offs to loans | 0.2822% | 379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -0.1196% | 4,523 |
| Efficiency ratio | 100.8703% | 175 |
| Assets per employee ($millions) | 5.4440% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 3,641 |
| Loan loss allowance to noncurrent loans | 42.3177% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 2.0153% | 140 |
| Noncurrent loans to loans | 2.1777% | 244 |
| Net loans and leases to total assets | 91.6900% | 18 |
| Net loans and leases to deposits | 133.0477% | 36 |
| Net loans and leases to core deposits | 146.0988% | 230 |
| Total domestic deposits to total assets | 68.9100% | 4,324 |
| Equity capital to assets | 26.6663% | 177 |
| Core capital (leverage) ratio | 26.8367% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.0356% | 141 |
| Memoranda: | ||
| Average total assets | $36,271,800 | 4,424 |
| Average earning assets | $34,960,200 | 4,383 |
| Average equity | $10,155,800 | 3,705 |
| Average total loans | $32,600,200 | 4,102 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 2,908 |
| Cost of funding earning assets | 1.1307% | 2,657 |
| Net interest margin | 3.3726% | 2,515 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 3.4661% | 575 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0223% | 4,363 |
| Return on assets (ROA) | 0.0223% | 4,384 |
| Pretax return on assets | 0.0298% | 4,372 |
| Return on Equity (ROE) | 0.0800% | 4,374 |
| Retained earnings to average equity (ytd only) | 0.0788% | 4,095 |
| Net charge-offs to loans | 0.3841% | 223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0870% | 2,566 |
| Efficiency ratio | 99.1480% | 189 |
| Assets per employee ($millions) | 5.1813% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 3,558 |
| Loan loss allowance to noncurrent loans | 45.8392% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.9548% | 149 |
| Noncurrent loans to loans | 2.0735% | 280 |
| Net loans and leases to total assets | 93.3800% | 9 |
| Net loans and leases to deposits | 131.2905% | 37 |
| Net loans and leases to core deposits | 144.3630% | 176 |
| Total domestic deposits to total assets | 71.1300% | 4,287 |
| Equity capital to assets | 27.9881% | 171 |
| Core capital (leverage) ratio | 28.1612% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.3362% | 138 |
| Memoranda: | ||
| Average total assets | $35,812,750 | 4,444 |
| Average earning assets | $34,433,250 | 4,406 |
| Average equity | $10,154,250 | 3,711 |
| Average total loans | $31,933,750 | 4,129 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 2,927 |
| Cost of funding earning assets | 0.9947% | 2,622 |
| Net interest margin | 3.3879% | 2,554 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 3.4324% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0168% | 4,407 |
| Return on assets (ROA) | 0.0168% | 4,441 |
| Pretax return on assets | 0.0224% | 4,432 |
| Return on Equity (ROE) | 0.0600% | 4,435 |
| Retained earnings to average equity (ytd only) | 0.0591% | 4,060 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 99.3506% | 181 |
| Assets per employee ($millions) | 5.1354% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,080 |
| Loan loss allowance to noncurrent loans | 82.4111% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.4076% | 259 |
| Noncurrent loans to loans | 1.5390% | 424 |
| Net loans and leases to total assets | 90.3000% | 33 |
| Net loans and leases to deposits | 127.1773% | 63 |
| Net loans and leases to core deposits | 140.0854% | 210 |
| Total domestic deposits to total assets | 71.0100% | 4,330 |
| Equity capital to assets | 28.2380% | 164 |
| Core capital (leverage) ratio | 28.3445% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.9722% | 128 |
| Memoranda: | ||
| Average total assets | $35,660,667 | 4,471 |
| Average earning assets | $34,180,000 | 4,432 |
| Average equity | $10,155,333 | 3,724 |
| Average total loans | $31,180,333 | 4,153 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 2,752 |
| Cost of funding earning assets | 0.8615% | 2,504 |
| Net interest margin | 3.4579% | 2,477 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 3.2435% | 751 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1915% | 4,363 |
| Return on assets (ROA) | 0.1915% | 4,330 |
| Pretax return on assets | 0.2365% | 4,305 |
| Return on Equity (ROE) | 0.6700% | 4,400 |
| Retained earnings to average equity (ytd only) | 0.6695% | 3,914 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.2039% | 278 |
| Assets per employee ($millions) | 5.0889% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 1,798 |
| Loan loss allowance to noncurrent loans | 74.0675% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5805% | 195 |
| Noncurrent loans to loans | 1.8293% | 332 |
| Net loans and leases to total assets | 85.2300% | 174 |
| Net loans and leases to deposits | 120.3568% | 84 |
| Net loans and leases to core deposits | 132.7213% | 246 |
| Total domestic deposits to total assets | 70.8100% | 4,397 |
| Equity capital to assets | 28.5357% | 126 |
| Core capital (leverage) ratio | 28.6920% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.4359% | 114 |
| Memoranda: | ||
| Average total assets | $35,517,000 | 4,536 |
| Average earning assets | $33,893,500 | 4,503 |
| Average equity | $10,157,500 | 3,766 |
| Average total loans | $30,331,000 | 4,217 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7759% | 2,344 |
| Cost of funding earning assets | 0.4935% | 1,437 |
| Net interest margin | 3.2823% | 2,617 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 3.0496% | 900 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3770% | 4,270 |
| Return on assets (ROA) | 0.3770% | 4,235 |
| Pretax return on assets | 0.2374% | 4,415 |
| Return on Equity (ROE) | 1.3400% | 4,454 |
| Retained earnings to average equity (ytd only) | 1.3442% | 4,133 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 92.7782% | 245 |
| Assets per employee ($millions) | 5.9020% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 1,520 |
| Loan loss allowance to noncurrent loans | 63.5671% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.8525% | 137 |
| Noncurrent loans to loans | 2.1951% | 233 |
| Net loans and leases to total assets | 83.2100% | 313 |
| Net loans and leases to deposits | 117.5523% | 83 |
| Net loans and leases to core deposits | 131.2021% | 213 |
| Total domestic deposits to total assets | 70.7900% | 4,454 |
| Equity capital to assets | 28.6626% | 121 |
| Core capital (leverage) ratio | 28.7633% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.5351% | 109 |
| Memoranda: | ||
| Average total assets | $35,808,200 | 4,568 |
| Average earning assets | $33,634,800 | 4,534 |
| Average equity | $10,043,400 | 3,867 |
| Average total loans | $28,475,600 | 4,264 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6806% | 2,098 |
| Cost of funding earning assets | 0.4675% | 893 |
| Net interest margin | 3.2131% | 2,584 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.9817% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1819% | 4,486 |
| Return on assets (ROA) | 0.1819% | 4,457 |
| Pretax return on assets | 0.2302% | 4,437 |
| Return on Equity (ROE) | 0.6500% | 4,522 |
| Retained earnings to average equity (ytd only) | 0.6522% | 4,262 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 92.8324% | 257 |
| Assets per employee ($millions) | 5.9187% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 1,498 |
| Loan loss allowance to noncurrent loans | 114.5604% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.0250% | 432 |
| Noncurrent loans to loans | 1.2512% | 584 |
| Net loans and leases to total assets | 80.7500% | 467 |
| Net loans and leases to deposits | 114.1430% | 81 |
| Net loans and leases to core deposits | 125.3607% | 184 |
| Total domestic deposits to total assets | 70.7400% | 4,526 |
| Equity capital to assets | 28.2749% | 119 |
| Core capital (leverage) ratio | 27.8948% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.6112% | 115 |
| Memoranda: | ||
| Average total assets | $35,907,250 | 4,602 |
| Average earning assets | $33,653,500 | 4,571 |
| Average equity | $10,016,750 | 3,915 |
| Average total loans | $28,123,250 | 4,299 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 1,687 |
| Cost of funding earning assets | 0.4636% | 646 |
| Net interest margin | 3.1857% | 2,239 |
| Noninterest income to average assets | 0.1887% | 4,063 |
| Noninterest expense to average assets | 2.9246% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1887% | 4,435 |
| Return on assets (ROA) | 0.1887% | 4,397 |
| Pretax return on assets | 0.2386% | 4,363 |
| Return on Equity (ROE) | 0.6794% | 4,498 |
| Retained earnings to average equity (ytd only) | 0.6794% | 4,062 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4561% | 332 |
| Assets per employee ($millions) | 5.9882% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 1,499 |
| Loan loss allowance to noncurrent loans | 89.1026% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.3026% | 305 |
| Noncurrent loans to loans | 1.6449% | 434 |
| Net loans and leases to total assets | 78.0289% | 551 |
| Net loans and leases to deposits | 109.5802% | 98 |
| Net loans and leases to core deposits | 120.1105% | 194 |
| Total domestic deposits to total assets | 71.2071% | 4,596 |
| Equity capital to assets | 27.8995% | 71 |
| Core capital (leverage) ratio | 27.8824% | 82 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.9439% | 77 |
| Memoranda: | ||
| Average total assets | $36,039,000 | 4,639 |
| Average earning assets | $33,650,667 | 4,628 |
| Average equity | $10,008,667 | 3,986 |
| Average total loans | $27,800,333 | 4,361 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3991% | 2,086 |
| Cost of funding earning assets | 0.4754% | 563 |
| Net interest margin | 2.9237% | 2,756 |
| Noninterest income to average assets | 0.1441% | 4,292 |
| Noninterest expense to average assets | 2.7927% | 1,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0665% | 4,500 |
| Return on assets (ROA) | 0.0665% | 4,478 |
| Pretax return on assets | 0.0776% | 4,466 |
| Return on Equity (ROE) | 0.2400% | 4,509 |
| Retained earnings to average equity (ytd only) | 0.2400% | 3,972 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2973% | 292 |
| Assets per employee ($millions) | 6.0005% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 1,524 |
| Loan loss allowance to noncurrent loans | 222.9947% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 1,156 |
| Noncurrent loans to loans | 0.6771% | 1,403 |
| Net loans and leases to total assets | 75.5520% | 538 |
| Net loans and leases to deposits | 105.7006% | 102 |
| Net loans and leases to core deposits | 115.7834% | 178 |
| Total domestic deposits to total assets | 71.4774% | 4,639 |
| Equity capital to assets | 27.7838% | 68 |
| Core capital (leverage) ratio | 27.8248% | 71 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.7620% | 75 |
| Memoranda: | ||
| Average total assets | $36,094,000 | 4,664 |
| Average earning assets | $33,656,000 | 4,658 |
| Average equity | $10,001,000 | 4,055 |
| Average total loans | $27,474,500 | 4,378 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6511% | 2,251 |
| Cost of funding earning assets | 0.5380% | 757 |
| Net interest margin | 3.1131% | 2,866 |
| Noninterest income to average assets | 0.1831% | 4,239 |
| Noninterest expense to average assets | 2.9074% | 1,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1409% | 4,585 |
| Return on assets (ROA) | 0.1409% | 4,598 |
| Pretax return on assets | 0.1775% | 4,587 |
| Return on Equity (ROE) | 0.5007% | 4,657 |
| Retained earnings to average equity (ytd only) | 0.5007% | 4,373 |
| Net charge-offs to loans | 0.1498% | 637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1.5750% | 2,611 |
| Efficiency ratio | 94.2466% | 231 |
| Assets per employee ($millions) | 6.0308% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 1,465 |
| Loan loss allowance to noncurrent loans | 302.1739% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 1,703 |
| Noncurrent loans to loans | 0.5049% | 1,858 |
| Net loans and leases to total assets | 74.3789% | 634 |
| Net loans and leases to deposits | 103.5791% | 133 |
| Net loans and leases to core deposits | 113.3269% | 236 |
| Total domestic deposits to total assets | 71.8088% | 4,645 |
| Equity capital to assets | 27.6330% | 70 |
| Core capital (leverage) ratio | 27.5812% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.1117% | 71 |
| Memoranda: | ||
| Average total assets | $35,496,200 | 4,701 |
| Average earning assets | $33,085,600 | 4,689 |
| Average equity | $9,986,600 | 4,131 |
| Average total loans | $26,705,000 | 4,441 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5891% | 2,589 |
| Cost of funding earning assets | 0.5509% | 828 |
| Net interest margin | 3.0382% | 3,212 |
| Noninterest income to average assets | 0.1661% | 4,372 |
| Noninterest expense to average assets | 2.8384% | 1,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1246% | 4,679 |
| Return on assets (ROA) | 0.1246% | 4,698 |
| Pretax return on assets | 0.1585% | 4,688 |
| Return on Equity (ROE) | 0.4407% | 4,729 |
| Retained earnings to average equity (ytd only) | 0.4407% | 4,502 |
| Net charge-offs to loans | 0.2009% | 418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1.0500% | 2,388 |
| Efficiency ratio | 94.7103% | 219 |
| Assets per employee ($millions) | 6.0727% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 1,354 |
| Loan loss allowance to noncurrent loans | 141.8367% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8069% | 884 |
| Noncurrent loans to loans | 1.1236% | 996 |
| Net loans and leases to total assets | 70.6664% | 1,023 |
| Net loans and leases to deposits | 98.3987% | 265 |
| Net loans and leases to core deposits | 107.5747% | 377 |
| Total domestic deposits to total assets | 71.8163% | 4,687 |
| Equity capital to assets | 27.3960% | 78 |
| Core capital (leverage) ratio | 27.7949% | 76 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.3421% | 76 |
| Memoranda: | ||
| Average total assets | $35,324,000 | 4,778 |
| Average earning assets | $32,913,750 | 4,760 |
| Average equity | $9,983,500 | 4,190 |
| Average total loans | $26,548,500 | 4,504 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6340% | 2,518 |
| Cost of funding earning assets | 0.5647% | 889 |
| Net interest margin | 3.0692% | 3,118 |
| Noninterest income to average assets | 0.1488% | 4,452 |
| Noninterest expense to average assets | 2.8495% | 1,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1259% | 4,686 |
| Return on assets (ROA) | 0.1259% | 4,706 |
| Pretax return on assets | 0.1602% | 4,694 |
| Return on Equity (ROE) | 0.4407% | 4,758 |
| Retained earnings to average equity (ytd only) | 0.4407% | 4,444 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6768% | 242 |
| Assets per employee ($millions) | 5.8693% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7822% | 909 |
| Loan loss allowance to noncurrent loans | 85.4206% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.5192% | 367 |
| Noncurrent loans to loans | 2.0864% | 452 |
| Net loans and leases to total assets | 71.5158% | 1,023 |
| Net loans and leases to deposits | 100.9500% | 231 |
| Net loans and leases to core deposits | 109.6908% | 367 |
| Total domestic deposits to total assets | 70.8428% | 4,738 |
| Equity capital to assets | 28.3507% | 70 |
| Core capital (leverage) ratio | 28.3298% | 72 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.3939% | 70 |
| Memoranda: | ||
| Average total assets | $34,953,333 | 4,813 |
| Average earning assets | $32,581,333 | 4,796 |
| Average equity | $9,984,000 | 4,205 |
| Average total loans | $26,676,333 | 4,533 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7564% | 2,227 |
| Cost of funding earning assets | 0.5789% | 967 |
| Net interest margin | 3.1776% | 2,765 |
| Noninterest income to average assets | 0.1034% | 4,669 |
| Noninterest expense to average assets | 2.8832% | 1,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1493% | 4,673 |
| Return on assets (ROA) | 0.1493% | 4,691 |
| Pretax return on assets | 0.1838% | 4,683 |
| Return on Equity (ROE) | 0.5208% | 4,752 |
| Retained earnings to average equity (ytd only) | 0.5208% | 4,299 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0075% | 284 |
| Assets per employee ($millions) | 7.0248% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 1,039 |
| Loan loss allowance to noncurrent loans | 106.0325% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.2271% | 606 |
| Noncurrent loans to loans | 1.6081% | 759 |
| Net loans and leases to total assets | 75.0028% | 712 |
| Net loans and leases to deposits | 105.9183% | 172 |
| Net loans and leases to core deposits | 115.0946% | 300 |
| Total domestic deposits to total assets | 70.8120% | 4,753 |
| Equity capital to assets | 28.4335% | 70 |
| Core capital (leverage) ratio | 28.8125% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.2411% | 76 |
| Memoranda: | ||
| Average total assets | $34,822,000 | 4,834 |
| Average earning assets | $32,477,500 | 4,816 |
| Average equity | $9,984,000 | 4,216 |
| Average total loans | $27,193,500 | 4,548 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 1,895 |
| Cost of funding earning assets | 0.7707% | 1,344 |
| Net interest margin | 3.5195% | 2,414 |
| Noninterest income to average assets | 0.2158% | 4,202 |
| Noninterest expense to average assets | 3.2069% | 1,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1980% | 4,575 |
| Return on assets (ROA) | 0.1980% | 4,635 |
| Pretax return on assets | 0.2483% | 4,605 |
| Return on Equity (ROE) | 0.6731% | 4,707 |
| Retained earnings to average equity (ytd only) | 0.6731% | 4,323 |
| Net charge-offs to loans | -0.0149% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8144% | 296 |
| Assets per employee ($millions) | 5.7533% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6566% | 1,147 |
| Loan loss allowance to noncurrent loans | 98.9177% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.3384% | 591 |
| Noncurrent loans to loans | 1.6748% | 775 |
| Net loans and leases to total assets | 78.5892% | 542 |
| Net loans and leases to deposits | 111.5915% | 147 |
| Net loans and leases to core deposits | 121.5566% | 291 |
| Total domestic deposits to total assets | 70.4258% | 4,764 |
| Equity capital to assets | 28.9137% | 70 |
| Core capital (leverage) ratio | 29.0805% | 64 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.5981% | 78 |
| Memoranda: | ||
| Average total assets | $33,833,000 | 4,841 |
| Average earning assets | $31,140,400 | 4,830 |
| Average equity | $9,954,000 | 4,199 |
| Average total loans | $26,921,800 | 4,581 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 2,037 |
| Cost of funding earning assets | 0.7988% | 1,506 |
| Net interest margin | 3.5231% | 2,509 |
| Noninterest income to average assets | 0.2179% | 4,183 |
| Noninterest expense to average assets | 3.1608% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2297% | 4,550 |
| Return on assets (ROA) | 0.2297% | 4,587 |
| Pretax return on assets | 0.2891% | 4,558 |
| Return on Equity (ROE) | 0.7774% | 4,728 |
| Retained earnings to average equity (ytd only) | 0.7774% | 4,317 |
| Net charge-offs to loans | -0.0199% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6188% | 325 |
| Assets per employee ($millions) | 5.6635% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 910 |
| Loan loss allowance to noncurrent loans | 69.9847% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.9217% | 362 |
| Noncurrent loans to loans | 2.4149% | 447 |
| Net loans and leases to total assets | 78.2290% | 801 |
| Net loans and leases to deposits | 112.1693% | 194 |
| Net loans and leases to core deposits | 120.0569% | 413 |
| Total domestic deposits to total assets | 69.7419% | 4,766 |
| Equity capital to assets | 29.3193% | 67 |
| Core capital (leverage) ratio | 29.4085% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.8891% | 83 |
| Memoranda: | ||
| Average total assets | $33,661,250 | 4,870 |
| Average earning assets | $30,880,750 | 4,861 |
| Average equity | $9,947,250 | 4,207 |
| Average total loans | $26,755,750 | 4,609 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3386% | 2,368 |
| Cost of funding earning assets | 0.8046% | 1,801 |
| Net interest margin | 3.5340% | 2,690 |
| Noninterest income to average assets | 0.2265% | 4,131 |
| Noninterest expense to average assets | 3.1233% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2980% | 4,430 |
| Return on assets (ROA) | 0.2980% | 4,467 |
| Pretax return on assets | 0.3755% | 4,442 |
| Return on Equity (ROE) | 1.0058% | 4,687 |
| Retained earnings to average equity (ytd only) | 1.0058% | 4,099 |
| Net charge-offs to loans | 0.0150% | 2,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,394 |
| Efficiency ratio | 89.2675% | 408 |
| Assets per employee ($millions) | 5.6438% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 840 |
| Loan loss allowance to noncurrent loans | 61.3605% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 2.3477% | 256 |
| Noncurrent loans to loans | 2.7469% | 390 |
| Net loans and leases to total assets | 77.6836% | 893 |
| Net loans and leases to deposits | 111.3623% | 203 |
| Net loans and leases to core deposits | 120.0694% | 424 |
| Total domestic deposits to total assets | 69.7576% | 4,795 |
| Equity capital to assets | 29.4126% | 66 |
| Core capital (leverage) ratio | 29.6640% | 64 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.0285% | 77 |
| Memoranda: | ||
| Average total assets | $33,554,667 | 4,897 |
| Average earning assets | $31,069,667 | 4,888 |
| Average equity | $9,942,000 | 4,223 |
| Average total loans | $26,661,000 | 4,630 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6165% | 1,954 |
| Cost of funding earning assets | 0.8124% | 2,310 |
| Net interest margin | 3.8041% | 1,954 |
| Noninterest income to average assets | 0.2036% | 4,334 |
| Noninterest expense to average assets | 3.0658% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5269% | 3,822 |
| Return on assets (ROA) | 0.5269% | 3,879 |
| Pretax return on assets | 0.6706% | 3,770 |
| Return on Equity (ROE) | 1.7719% | 4,492 |
| Retained earnings to average equity (ytd only) | 1.7719% | 3,522 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0513% | 970 |
| Assets per employee ($millions) | 5.5303% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7044% | 873 |
| Loan loss allowance to noncurrent loans | 50.1661% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 2.9022% | 210 |
| Noncurrent loans to loans | 3.3974% | 285 |
| Net loans and leases to total assets | 78.7355% | 874 |
| Net loans and leases to deposits | 113.5419% | 140 |
| Net loans and leases to core deposits | 122.6170% | 396 |
| Total domestic deposits to total assets | 69.3448% | 4,879 |
| Equity capital to assets | 29.9500% | 69 |
| Core capital (leverage) ratio | 29.7982% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.6338% | 82 |
| Memoranda: | ||
| Average total assets | $33,400,500 | 4,937 |
| Average earning assets | $31,019,500 | 4,924 |
| Average equity | $9,933,000 | 4,249 |
| Average total loans | $26,613,000 | 4,666 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 2,470 |
| Cost of funding earning assets | 0.7539% | 2,895 |
| Net interest margin | 3.8963% | 2,185 |
| Noninterest income to average assets | 0.1731% | 4,626 |
| Noninterest expense to average assets | 3.4449% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2670% | 4,781 |
| Return on assets (ROA) | 0.2670% | 4,805 |
| Pretax return on assets | 0.3374% | 4,781 |
| Return on Equity (ROE) | 0.9221% | 4,924 |
| Retained earnings to average equity (ytd only) | 0.9221% | 4,413 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0784% | 316 |
| Assets per employee ($millions) | 5.6032% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 800 |
| Loan loss allowance to noncurrent loans | 66.9129% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 2.1922% | 340 |
| Noncurrent loans to loans | 2.5406% | 418 |
| Net loans and leases to total assets | 77.9143% | 1,092 |
| Net loans and leases to deposits | 111.5113% | 158 |
| Net loans and leases to core deposits | 120.1670% | 473 |
| Total domestic deposits to total assets | 69.8712% | 4,941 |
| Equity capital to assets | 29.5309% | 75 |
| Core capital (leverage) ratio | 29.5952% | 72 |
| Tier 1 risk-based capital ratio | 51.6438% | 125 |
| Total risk-based capital ratio | 52.9026% | 124 |
| Memoranda: | ||
| Average total assets | $34,079,200 | 4,976 |
| Average earning assets | $31,568,800 | 4,966 |
| Average equity | $9,868,400 | 4,258 |
| Average total loans | $28,858,000 | 4,664 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6958% | 2,428 |
| Cost of funding earning assets | 0.7552% | 2,945 |
| Net interest margin | 3.9406% | 2,131 |
| Noninterest income to average assets | 0.1599% | 4,746 |
| Noninterest expense to average assets | 3.4625% | 997 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2691% | 4,880 |
| Return on assets (ROA) | 0.2691% | 4,893 |
| Pretax return on assets | 0.3392% | 4,865 |
| Return on Equity (ROE) | 0.9337% | 5,018 |
| Retained earnings to average equity (ytd only) | 0.9337% | 4,584 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0769% | 296 |
| Assets per employee ($millions) | 5.6130% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 968 |
| Loan loss allowance to noncurrent loans | 103.4247% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.4787% | 763 |
| Noncurrent loans to loans | 1.5612% | 953 |
| Net loans and leases to total assets | 81.9585% | 571 |
| Net loans and leases to deposits | 117.4753% | 111 |
| Net loans and leases to core deposits | 126.5392% | 355 |
| Total domestic deposits to total assets | 69.7666% | 5,004 |
| Equity capital to assets | 29.4465% | 76 |
| Core capital (leverage) ratio | 29.4352% | 74 |
| Tier 1 risk-based capital ratio | 51.1528% | 128 |
| Total risk-based capital ratio | 52.4166% | 127 |
| Memoranda: | ||
| Average total assets | $34,194,250 | 5,048 |
| Average earning assets | $31,601,750 | 5,043 |
| Average equity | $9,853,500 | 4,302 |
| Average total loans | $29,410,750 | 4,718 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7176% | 2,308 |
| Cost of funding earning assets | 0.7568% | 2,863 |
| Net interest margin | 3.9608% | 2,056 |
| Noninterest income to average assets | 0.1688% | 4,743 |
| Noninterest expense to average assets | 3.5558% | 895 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2095% | 4,984 |
| Return on assets (ROA) | 0.2095% | 4,992 |
| Pretax return on assets | 0.2677% | 4,965 |
| Return on Equity (ROE) | 0.7323% | 5,070 |
| Retained earnings to average equity (ytd only) | 0.7323% | 4,503 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9985% | 258 |
| Assets per employee ($millions) | 5.6262% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5608% | 1,119 |
| Loan loss allowance to noncurrent loans | 112.1287% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.3745% | 882 |
| Noncurrent loans to loans | 1.3920% | 1,117 |
| Net loans and leases to total assets | 84.6343% | 316 |
| Net loans and leases to deposits | 120.7932% | 81 |
| Net loans and leases to core deposits | 128.5085% | 349 |
| Total domestic deposits to total assets | 70.0655% | 5,045 |
| Equity capital to assets | 29.2236% | 77 |
| Core capital (leverage) ratio | 28.8122% | 74 |
| Tier 1 risk-based capital ratio | 50.3625% | 131 |
| Total risk-based capital ratio | 51.6285% | 130 |
| Memoranda: | ||
| Average total assets | $34,366,330 | 5,089 |
| Average earning assets | $31,711,000 | 5,080 |
| Average equity | $9,832,330 | 4,324 |
| Average total loans | $29,862,670 | 4,743 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 2,285 |
| Cost of funding earning assets | 0.7408% | 2,830 |
| Net interest margin | 3.9427% | 2,055 |
| Noninterest income to average assets | 0.1269% | 4,971 |
| Noninterest expense to average assets | 3.6688% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0577% | 5,113 |
| Return on assets (ROA) | 0.0577% | 5,118 |
| Pretax return on assets | 0.0808% | 5,107 |
| Return on Equity (ROE) | 0.2037% | 5,134 |
| Retained earnings to average equity (ytd only) | 0.2037% | 4,483 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8462% | 199 |
| Assets per employee ($millions) | 5.7745% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 1,256 |
| Loan loss allowance to noncurrent loans | 185.6557% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.8774% | 1,612 |
| Noncurrent loans to loans | 0.8217% | 2,001 |
| Net loans and leases to total assets | 84.3969% | 337 |
| Net loans and leases to deposits | 126.6009% | 52 |
| Net loans and leases to core deposits | 133.2893% | 266 |
| Total domestic deposits to total assets | 66.6638% | 5,203 |
| Equity capital to assets | 28.3892% | 78 |
| Core capital (leverage) ratio | 28.4450% | 79 |
| Tier 1 risk-based capital ratio | 49.5117% | 134 |
| Total risk-based capital ratio | 50.7752% | 132 |
| Memoranda: | ||
| Average total assets | $34,671,000 | 5,136 |
| Average earning assets | $31,856,000 | 5,129 |
| Average equity | $9,816,000 | 4,354 |
| Average total loans | $30,282,500 | 4,781 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 2,473 |
| Cost of funding earning assets | 0.5372% | 3,133 |
| Net interest margin | 3.9578% | 2,131 |
| Noninterest income to average assets | 0.0954% | 5,164 |
| Noninterest expense to average assets | 3.0924% | 1,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7745% | 3,898 |
| Return on assets (ROA) | 0.7745% | 3,900 |
| Pretax return on assets | 0.7081% | 4,391 |
| Return on Equity (ROE) | 2.7767% | 4,940 |
| Retained earnings to average equity (ytd only) | 2.7767% | 4,008 |
| Net charge-offs to loans | 0.2477% | 777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 3.1818% | 3,442 |
| Efficiency ratio | 81.3688% | 855 |
| Assets per employee ($millions) | 5.7825% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 1,394 |
| Loan loss allowance to noncurrent loans | 136.4458% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.1298% | 1,174 |
| Noncurrent loans to loans | 1.0754% | 1,517 |
| Net loans and leases to total assets | 87.6726% | 130 |
| Net loans and leases to deposits | 130.8301% | 45 |
| Net loans and leases to core deposits | 137.6692% | 221 |
| Total domestic deposits to total assets | 67.0125% | 5,229 |
| Equity capital to assets | 28.2346% | 79 |
| Core capital (leverage) ratio | 28.2591% | 79 |
| Tier 1 risk-based capital ratio | 48.5768% | 143 |
| Total risk-based capital ratio | 49.8413% | 142 |
| Memoranda: | ||
| Average total assets | $34,601,200 | 5,180 |
| Average earning assets | $32,391,800 | 5,163 |
| Average equity | $9,651,600 | 4,358 |
| Average total loans | $31,089,800 | 4,789 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 2,519 |
| Cost of funding earning assets | 0.5154% | 3,095 |
| Net interest margin | 3.9188% | 2,228 |
| Noninterest income to average assets | 0.0964% | 5,225 |
| Noninterest expense to average assets | 3.0153% | 1,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6131% | 4,465 |
| Return on assets (ROA) | 0.6131% | 4,470 |
| Pretax return on assets | 0.7750% | 4,358 |
| Return on Equity (ROE) | 2.2047% | 5,110 |
| Retained earnings to average equity (ytd only) | 2.2047% | 4,503 |
| Net charge-offs to loans | 0.3254% | 515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.6447% | 3,227 |
| Efficiency ratio | 79.5524% | 986 |
| Assets per employee ($millions) | 5.8480% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 1,464 |
| Loan loss allowance to noncurrent loans | 99.5614% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.4706% | 881 |
| Noncurrent loans to loans | 1.4735% | 1,103 |
| Net loans and leases to total assets | 86.9044% | 194 |
| Net loans and leases to deposits | 129.2898% | 51 |
| Net loans and leases to core deposits | 134.1826% | 268 |
| Total domestic deposits to total assets | 67.2167% | 5,301 |
| Equity capital to assets | 27.6248% | 84 |
| Core capital (leverage) ratio | 27.5542% | 86 |
| Tier 1 risk-based capital ratio | 47.2161% | 157 |
| Total risk-based capital ratio | 48.4778% | 152 |
| Memoranda: | ||
| Average total assets | $34,577,750 | 5,250 |
| Average earning assets | $32,593,750 | 5,220 |
| Average equity | $9,615,500 | 4,403 |
| Average total loans | $31,144,500 | 4,840 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3922% | 2,449 |
| Cost of funding earning assets | 0.4503% | 3,358 |
| Net interest margin | 3.9419% | 2,060 |
| Noninterest income to average assets | 0.0872% | 5,308 |
| Noninterest expense to average assets | 3.1505% | 1,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5115% | 4,724 |
| Return on assets (ROA) | 0.5115% | 4,730 |
| Pretax return on assets | 0.6510% | 4,640 |
| Return on Equity (ROE) | 1.8353% | 5,194 |
| Retained earnings to average equity (ytd only) | 1.8353% | 4,506 |
| Net charge-offs to loans | 0.1794% | 877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,831 |
| Efficiency ratio | 82.8746% | 770 |
| Assets per employee ($millions) | 5.0640% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 1,141 |
| Loan loss allowance to noncurrent loans | 120.6731% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.3428% | 1,043 |
| Noncurrent loans to loans | 1.3190% | 1,296 |
| Net loans and leases to total assets | 87.5592% | 164 |
| Net loans and leases to deposits | 129.2550% | 47 |
| Net loans and leases to core deposits | 136.1495% | 236 |
| Total domestic deposits to total assets | 67.7415% | 5,343 |
| Equity capital to assets | 27.1666% | 88 |
| Core capital (leverage) ratio | 27.8581% | 84 |
| Tier 1 risk-based capital ratio | 45.8462% | 168 |
| Total risk-based capital ratio | 47.1078% | 163 |
| Memoranda: | ||
| Average total assets | $34,407,670 | 5,319 |
| Average earning assets | $32,421,000 | 5,287 |
| Average equity | $9,589,670 | 4,442 |
| Average total loans | $31,210,330 | 4,894 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 2,014 |
| Cost of funding earning assets | 0.4265% | 3,391 |
| Net interest margin | 4.0266% | 1,631 |
| Noninterest income to average assets | 0.0826% | 5,390 |
| Noninterest expense to average assets | 3.3287% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4249% | 4,875 |
| Return on assets (ROA) | 0.4249% | 4,882 |
| Pretax return on assets | 0.5430% | 4,804 |
| Return on Equity (ROE) | 1.5048% | 5,251 |
| Retained earnings to average equity (ytd only) | 1.5048% | 4,487 |
| Net charge-offs to loans | 0.3608% | 432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.6429% | 2,539 |
| Efficiency ratio | 85.9756% | 652 |
| Assets per employee ($millions) | 4.2273% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 1,124 |
| Loan loss allowance to noncurrent loans | 119.8091% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 1,036 |
| Noncurrent loans to loans | 1.3477% | 1,321 |
| Net loans and leases to total assets | 90.4518% | 54 |
| Net loans and leases to deposits | 127.6084% | 46 |
| Net loans and leases to core deposits | 134.4158% | 280 |
| Total domestic deposits to total assets | 70.8824% | 5,337 |
| Equity capital to assets | 28.3045% | 73 |
| Core capital (leverage) ratio | 28.1911% | 75 |
| Tier 1 risk-based capital ratio | 46.5972% | 156 |
| Total risk-based capital ratio | 47.8629% | 153 |
| Memoranda: | ||
| Average total assets | $33,887,500 | 5,377 |
| Average earning assets | $31,888,000 | 5,355 |
| Average equity | $9,569,500 | 4,488 |
| Average total loans | $31,045,500 | 4,948 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 2,743 |
| Cost of funding earning assets | 0.4229% | 3,026 |
| Net interest margin | 3.7622% | 2,554 |
| Noninterest income to average assets | 0.1062% | 5,389 |
| Noninterest expense to average assets | 3.3035% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4542% | 4,516 |
| Return on assets (ROA) | 0.4542% | 4,548 |
| Pretax return on assets | 0.3451% | 5,163 |
| Return on Equity (ROE) | 1.6287% | 5,128 |
| Retained earnings to average equity (ytd only) | 1.6287% | 4,327 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5416% | 405 |
| Assets per employee ($millions) | 4.2446% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 929 |
| Loan loss allowance to noncurrent loans | 103.3138% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.8023% | 690 |
| Noncurrent loans to loans | 1.6548% | 995 |
| Net loans and leases to total assets | 89.7311% | 84 |
| Net loans and leases to deposits | 126.0810% | 64 |
| Net loans and leases to core deposits | 132.7380% | 291 |
| Total domestic deposits to total assets | 71.1694% | 5,354 |
| Equity capital to assets | 28.1739% | 72 |
| Core capital (leverage) ratio | 28.1217% | 75 |
| Tier 1 risk-based capital ratio | 46.5366% | 145 |
| Total risk-based capital ratio | 47.8013% | 144 |
| Memoranda: | ||
| Average total assets | $33,903,800 | 5,431 |
| Average earning assets | $31,922,400 | 5,408 |
| Average equity | $9,455,200 | 4,533 |
| Average total loans | $30,170,400 | 5,021 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 2,788 |
| Cost of funding earning assets | 0.4177% | 3,011 |
| Net interest margin | 3.7343% | 2,641 |
| Noninterest income to average assets | 0.0865% | 5,517 |
| Noninterest expense to average assets | 3.2929% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2400% | 5,310 |
| Return on assets (ROA) | 0.2400% | 5,326 |
| Pretax return on assets | 0.3108% | 5,302 |
| Return on Equity (ROE) | 0.8627% | 5,448 |
| Retained earnings to average equity (ytd only) | 0.8627% | 5,017 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3755% | 360 |
| Assets per employee ($millions) | 4.2960% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 997 |
| Loan loss allowance to noncurrent loans | 129.5844% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.3210% | 1,216 |
| Noncurrent loans to loans | 1.3250% | 1,439 |
| Net loans and leases to total assets | 88.2711% | 141 |
| Net loans and leases to deposits | 126.2464% | 56 |
| Net loans and leases to core deposits | 132.9404% | 298 |
| Total domestic deposits to total assets | 69.9197% | 5,480 |
| Equity capital to assets | 27.5285% | 77 |
| Core capital (leverage) ratio | 27.4351% | 76 |
| Tier 1 risk-based capital ratio | 45.3200% | 161 |
| Total risk-based capital ratio | 46.5942% | 160 |
| Memoranda: | ||
| Average total assets | $33,890,500 | 5,493 |
| Average earning assets | $31,919,500 | 5,464 |
| Average equity | $9,427,250 | 4,585 |
| Average total loans | $29,963,000 | 5,080 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1247% | 2,748 |
| Cost of funding earning assets | 0.4093% | 2,983 |
| Net interest margin | 3.7154% | 2,599 |
| Noninterest income to average assets | 0.0889% | 5,552 |
| Noninterest expense to average assets | 3.3263% | 1,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2075% | 5,386 |
| Return on assets (ROA) | 0.2075% | 5,401 |
| Pretax return on assets | 0.2609% | 5,379 |
| Return on Equity (ROE) | 0.7434% | 5,502 |
| Retained earnings to average equity (ytd only) | 0.7434% | 4,908 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7273% | 338 |
| Assets per employee ($millions) | 4.2630% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7559% | 971 |
| Loan loss allowance to noncurrent loans | 129.5844% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 1.3312% | 1,217 |
| Noncurrent loans to loans | 1.3550% | 1,428 |
| Net loans and leases to total assets | 86.9517% | 212 |
| Net loans and leases to deposits | 124.4346% | 66 |
| Net loans and leases to core deposits | 131.0790% | 291 |
| Total domestic deposits to total assets | 69.8774% | 5,538 |
| Equity capital to assets | 27.6361% | 68 |
| Core capital (leverage) ratio | 27.7027% | 69 |
| Tier 1 risk-based capital ratio | 46.5133% | 153 |
| Total risk-based capital ratio | 47.7817% | 149 |
| Memoranda: | ||
| Average total assets | $33,731,330 | 5,548 |
| Average earning assets | $31,759,670 | 5,510 |
| Average equity | $9,416,000 | 4,606 |
| Average total loans | $29,661,670 | 5,128 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 2,677 |
| Cost of funding earning assets | 0.3929% | 3,070 |
| Net interest margin | 3.7004% | 2,481 |
| Noninterest income to average assets | 0.0835% | 5,634 |
| Noninterest expense to average assets | 3.3388% | 1,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1908% | 5,407 |
| Return on assets (ROA) | 0.1908% | 5,419 |
| Pretax return on assets | 0.2266% | 5,411 |
| Return on Equity (ROE) | 0.6800% | 5,542 |
| Retained earnings to average equity (ytd only) | 0.6800% | 4,753 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6455% | 397 |
| Assets per employee ($millions) | 4.2458% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 988 |
| Loan loss allowance to noncurrent loans | 95.3237% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.7694% | 818 |
| Noncurrent loans to loans | 1.8707% | 987 |
| Net loans and leases to total assets | 85.9418% | 226 |
| Net loans and leases to deposits | 125.6337% | 54 |
| Net loans and leases to core deposits | 132.5117% | 226 |
| Total domestic deposits to total assets | 68.4066% | 5,672 |
| Equity capital to assets | 27.7042% | 70 |
| Core capital (leverage) ratio | 28.3161% | 66 |
| Tier 1 risk-based capital ratio | 46.7764% | 158 |
| Total risk-based capital ratio | 48.0439% | 153 |
| Memoranda: | ||
| Average total assets | $33,545,000 | 5,614 |
| Average earning assets | $31,564,000 | 5,584 |
| Average equity | $9,411,500 | 4,639 |
| Average total loans | $29,400,500 | 5,178 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 2,289 |
| Cost of funding earning assets | 0.4024% | 2,974 |
| Net interest margin | 3.8537% | 2,120 |
| Noninterest income to average assets | 0.0906% | 5,671 |
| Noninterest expense to average assets | 3.4099% | 1,334 |
| Loan and lease loss provision to assets | 0.1057% | 2,284 |
| Net operating income to assets | 0.1631% | 5,470 |
| Return on assets (ROA) | 0.1631% | 5,512 |
| Pretax return on assets | 0.1903% | 5,507 |
| Return on Equity (ROE) | 0.5770% | 5,621 |
| Retained earnings to average equity (ytd only) | 0.5770% | 5,097 |
| Net charge-offs to loans | 0.3831% | 702 |
| Credit loss provision to net charge-offs | 31.5315% | 3,573 |
| Earnings coverage of net charge-offs (x) | 0.8829% | 4,066 |
| Efficiency ratio | 92.0130% | 457 |
| Assets per employee ($millions) | 4.1405% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 913 |
| Loan loss allowance to noncurrent loans | 92.9825% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.8536% | 778 |
| Noncurrent loans to loans | 1.9601% | 928 |
| Net loans and leases to total assets | 86.1913% | 221 |
| Net loans and leases to deposits | 121.8211% | 76 |
| Net loans and leases to core deposits | 128.4300% | 304 |
| Total domestic deposits to total assets | 70.7523% | 5,625 |
| Equity capital to assets | 28.4175% | 69 |
| Core capital (leverage) ratio | 28.4020% | 68 |
| Tier 1 risk-based capital ratio | 48.4682% | 145 |
| Total risk-based capital ratio | 49.7348% | 143 |
| Memoranda: | ||
| Average total assets | $33,109,000 | 5,670 |
| Average earning assets | $31,061,400 | 5,646 |
| Average equity | $9,359,000 | 4,678 |
| Average total loans | $28,971,600 | 5,228 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 2,150 |
| Cost of funding earning assets | 0.3951% | 3,066 |
| Net interest margin | 3.9080% | 1,949 |
| Noninterest income to average assets | 0.0886% | 5,745 |
| Noninterest expense to average assets | 3.4395% | 1,267 |
| Loan and lease loss provision to assets | 0.1410% | 1,663 |
| Net operating income to assets | 0.1450% | 5,564 |
| Return on assets (ROA) | 0.1450% | 5,620 |
| Pretax return on assets | 0.1732% | 5,593 |
| Return on Equity (ROE) | 0.5136% | 5,699 |
| Retained earnings to average equity (ytd only) | 0.5136% | 5,226 |
| Net charge-offs to loans | 0.5343% | 394 |
| Credit loss provision to net charge-offs | 30.1724% | 3,225 |
| Earnings coverage of net charge-offs (x) | 0.6724% | 3,773 |
| Efficiency ratio | 91.6309% | 488 |
| Assets per employee ($millions) | 4.1309% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8240% | 969 |
| Loan loss allowance to noncurrent loans | 91.3043% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.8761% | 864 |
| Noncurrent loans to loans | 1.9977% | 989 |
| Net loans and leases to total assets | 85.5085% | 287 |
| Net loans and leases to deposits | 121.2998% | 104 |
| Net loans and leases to core deposits | 127.9048% | 336 |
| Total domestic deposits to total assets | 70.4935% | 5,667 |
| Equity capital to assets | 28.3324% | 68 |
| Core capital (leverage) ratio | 28.4408% | 67 |
| Tier 1 risk-based capital ratio | 48.4552% | 145 |
| Total risk-based capital ratio | 49.7231% | 146 |
| Memoranda: | ||
| Average total assets | $33,105,250 | 5,730 |
| Average earning assets | $31,046,750 | 5,705 |
| Average equity | $9,345,500 | 4,729 |
| Average total loans | $28,944,500 | 5,278 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1877% | 2,549 |
| Cost of funding earning assets | 0.3930% | 3,118 |
| Net interest margin | 3.7947% | 2,341 |
| Noninterest income to average assets | 0.0906% | 5,811 |
| Noninterest expense to average assets | 3.3208% | 1,549 |
| Loan and lease loss provision to assets | 0.1811% | 1,205 |
| Net operating income to assets | 0.1268% | 5,640 |
| Return on assets (ROA) | 0.1268% | 5,686 |
| Pretax return on assets | 0.1449% | 5,672 |
| Return on Equity (ROE) | 0.4497% | 5,755 |
| Retained earnings to average equity (ytd only) | 0.4497% | 5,170 |
| Net charge-offs to loans | 0.8000% | 252 |
| Credit loss provision to net charge-offs | 25.8621% | 2,889 |
| Earnings coverage of net charge-offs (x) | 0.4655% | 3,518 |
| Efficiency ratio | 91.0596% | 545 |
| Assets per employee ($millions) | 4.1153% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 1,084 |
| Loan loss allowance to noncurrent loans | 106.5574% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.6190% | 1,133 |
| Noncurrent loans to loans | 1.6845% | 1,261 |
| Net loans and leases to total assets | 86.4164% | 224 |
| Net loans and leases to deposits | 122.5712% | 88 |
| Net loans and leases to core deposits | 129.2594% | 313 |
| Total domestic deposits to total assets | 70.5030% | 5,756 |
| Equity capital to assets | 28.4096% | 64 |
| Core capital (leverage) ratio | 28.3424% | 63 |
| Tier 1 risk-based capital ratio | 49.3380% | 138 |
| Total risk-based capital ratio | 50.6040% | 137 |
| Memoranda: | ||
| Average total assets | $33,124,670 | 5,797 |
| Average earning assets | $31,043,000 | 5,771 |
| Average equity | $9,339,670 | 4,766 |
| Average total loans | $28,998,330 | 5,332 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 2,693 |
| Cost of funding earning assets | 0.3856% | 3,236 |
| Net interest margin | 3.7533% | 2,464 |
| Noninterest income to average assets | 0.0843% | 5,874 |
| Noninterest expense to average assets | 3.2144% | 1,808 |
| Loan and lease loss provision to assets | 0.1806% | 1,119 |
| Net operating income to assets | 0.1685% | 5,589 |
| Return on assets (ROA) | 0.1685% | 5,646 |
| Pretax return on assets | 0.2047% | 5,638 |
| Return on Equity (ROE) | 0.6000% | 5,760 |
| Retained earnings to average equity (ytd only) | 0.6000% | 4,969 |
| Net charge-offs to loans | 1.2133% | 149 |
| Credit loss provision to net charge-offs | 17.0455% | 2,318 |
| Earnings coverage of net charge-offs (x) | 0.3636% | 2,935 |
| Efficiency ratio | 89.2977% | 717 |
| Assets per employee ($millions) | 4.1250% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8628% | 1,027 |
| Loan loss allowance to noncurrent loans | 138.8021% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.7273% | 1,104 |
| Noncurrent loans to loans | 1.3420% | 1,774 |
| Net loans and leases to total assets | 85.0909% | 288 |
| Net loans and leases to deposits | 120.2930% | 99 |
| Net loans and leases to core deposits | 124.0118% | 370 |
| Total domestic deposits to total assets | 70.7364% | 5,838 |
| Equity capital to assets | 28.2970% | 64 |
| Core capital (leverage) ratio | 28.1163% | 69 |
| Tier 1 risk-based capital ratio | 49.2173% | 136 |
| Total risk-based capital ratio | 50.4823% | 136 |
| Memoranda: | ||
| Average total assets | $33,226,000 | 5,854 |
| Average earning assets | $31,119,500 | 5,828 |
| Average equity | $9,333,000 | 4,796 |
| Average total loans | $29,012,500 | 5,375 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2159% | 2,508 |
| Cost of funding earning assets | 0.4433% | 2,700 |
| Net interest margin | 3.7727% | 2,467 |
| Noninterest income to average assets | 0.0928% | 5,895 |
| Noninterest expense to average assets | 3.2126% | 1,942 |
| Loan and lease loss provision to assets | 0.1796% | 1,260 |
| Net operating income to assets | 0.0749% | 5,786 |
| Return on assets (ROA) | 0.0749% | 5,826 |
| Pretax return on assets | 0.2425% | 5,624 |
| Return on Equity (ROE) | 0.2679% | 5,867 |
| Retained earnings to average equity (ytd only) | 0.2679% | 5,405 |
| Net charge-offs to loans | 0.1772% | 1,619 |
| Credit loss provision to net charge-offs | 120.0000% | 2,147 |
| Earnings coverage of net charge-offs (x) | 2.8200% | 3,820 |
| Efficiency ratio | 88.3855% | 806 |
| Assets per employee ($millions) | 4.1815% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0604% | 723 |
| Loan loss allowance to noncurrent loans | 103.0612% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 2.0088% | 872 |
| Noncurrent loans to loans | 1.9992% | 1,044 |
| Net loans and leases to total assets | 86.1114% | 224 |
| Net loans and leases to deposits | 120.7951% | 95 |
| Net loans and leases to core deposits | 124.4481% | 370 |
| Total domestic deposits to total assets | 71.2872% | 5,834 |
| Equity capital to assets | 27.8847% | 68 |
| Core capital (leverage) ratio | 27.8514% | 68 |
| Tier 1 risk-based capital ratio | 48.6315% | 138 |
| Total risk-based capital ratio | 49.9036% | 138 |
| Memoranda: | ||
| Average total assets | $33,399,600 | 5,903 |
| Average earning assets | $31,357,200 | 5,871 |
| Average equity | $9,332,000 | 4,785 |
| Average total loans | $28,209,800 | 5,436 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2277% | 2,497 |
| Cost of funding earning assets | 0.4594% | 2,595 |
| Net interest margin | 3.7683% | 2,498 |
| Noninterest income to average assets | 0.0799% | 6,016 |
| Noninterest expense to average assets | 3.2348% | 1,868 |
| Loan and lease loss provision to assets | 0.1797% | 1,164 |
| Net operating income to assets | 0.1597% | 5,753 |
| Return on assets (ROA) | 0.1597% | 5,808 |
| Pretax return on assets | 0.2037% | 5,785 |
| Return on Equity (ROE) | 0.5714% | 5,912 |
| Retained earnings to average equity (ytd only) | 0.5714% | 5,449 |
| Net charge-offs to loans | 0.5207% | 457 |
| Credit loss provision to net charge-offs | 41.2844% | 3,153 |
| Earnings coverage of net charge-offs (x) | 0.8808% | 3,900 |
| Efficiency ratio | 89.4040% | 735 |
| Assets per employee ($millions) | 4.1346% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 1,103 |
| Loan loss allowance to noncurrent loans | 84.3106% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.9077% | 1,094 |
| Noncurrent loans to loans | 2.2362% | 974 |
| Net loans and leases to total assets | 83.6986% | 404 |
| Net loans and leases to deposits | 118.2160% | 119 |
| Net loans and leases to core deposits | 121.8584% | 425 |
| Total domestic deposits to total assets | 70.8015% | 5,936 |
| Equity capital to assets | 28.2704% | 70 |
| Core capital (leverage) ratio | 27.9051% | 70 |
| Tier 1 risk-based capital ratio | 49.8242% | 137 |
| Total risk-based capital ratio | 51.0923% | 136 |
| Memoranda: | ||
| Average total assets | $33,386,500 | 5,982 |
| Average earning assets | $31,348,000 | 5,947 |
| Average equity | $9,333,000 | 4,839 |
| Average total loans | $27,909,250 | 5,512 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2430% | 2,382 |
| Cost of funding earning assets | 0.4580% | 2,628 |
| Net interest margin | 3.7850% | 2,384 |
| Noninterest income to average assets | 0.0657% | 6,126 |
| Noninterest expense to average assets | 3.2129% | 1,946 |
| Loan and lease loss provision to assets | 0.1792% | 1,140 |
| Net operating income to assets | 0.1792% | 5,742 |
| Return on assets (ROA) | 0.1792% | 5,802 |
| Pretax return on assets | 0.2269% | 5,773 |
| Return on Equity (ROE) | 0.6433% | 5,948 |
| Retained earnings to average equity (ytd only) | 0.6433% | 5,305 |
| Net charge-offs to loans | 0.3165% | 834 |
| Credit loss provision to net charge-offs | 68.1818% | 2,479 |
| Earnings coverage of net charge-offs (x) | 1.5455% | 3,494 |
| Efficiency ratio | 88.7789% | 846 |
| Assets per employee ($millions) | 4.2080% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0803% | 881 |
| Loan loss allowance to noncurrent loans | 81.5126% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 2.1210% | 1,008 |
| Noncurrent loans to loans | 2.5521% | 866 |
| Net loans and leases to total assets | 81.3777% | 625 |
| Net loans and leases to deposits | 113.9749% | 180 |
| Net loans and leases to core deposits | 117.3937% | 545 |
| Total domestic deposits to total assets | 71.3997% | 5,967 |
| Equity capital to assets | 27.7507% | 70 |
| Core capital (leverage) ratio | 27.8932% | 70 |
| Tier 1 risk-based capital ratio | 50.3911% | 144 |
| Total risk-based capital ratio | 51.6641% | 140 |
| Memoranda: | ||
| Average total assets | $33,489,670 | 6,046 |
| Average earning assets | $31,440,000 | 6,015 |
| Average equity | $9,327,000 | 4,874 |
| Average total loans | $27,806,670 | 5,564 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 2,174 |
| Cost of funding earning assets | 0.4723% | 2,540 |
| Net interest margin | 3.8042% | 2,218 |
| Noninterest income to average assets | 0.0719% | 6,171 |
| Noninterest expense to average assets | 3.2333% | 1,892 |
| Loan and lease loss provision to assets | 0.1796% | 1,070 |
| Net operating income to assets | 0.1796% | 5,724 |
| Return on assets (ROA) | 0.1796% | 5,800 |
| Pretax return on assets | 0.2275% | 5,794 |
| Return on Equity (ROE) | 0.6438% | 5,969 |
| Retained earnings to average equity (ytd only) | 0.6438% | 5,182 |
| Net charge-offs to loans | 0.6349% | 381 |
| Credit loss provision to net charge-offs | 34.0909% | 2,234 |
| Earnings coverage of net charge-offs (x) | 0.7727% | 3,014 |
| Efficiency ratio | 88.8158% | 953 |
| Assets per employee ($millions) | 4.1790% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0435% | 1,002 |
| Loan loss allowance to noncurrent loans | 67.2598% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.5215% | 852 |
| Noncurrent loans to loans | 3.0382% | 705 |
| Net loans and leases to total assets | 81.2994% | 537 |
| Net loans and leases to deposits | 113.9909% | 160 |
| Net loans and leases to core deposits | 117.4386% | 472 |
| Total domestic deposits to total assets | 71.3209% | 6,070 |
| Equity capital to assets | 27.9044% | 72 |
| Core capital (leverage) ratio | 27.9214% | 70 |
| Tier 1 risk-based capital ratio | 50.4492% | 152 |
| Total risk-based capital ratio | 51.7212% | 150 |
| Memoranda: | ||
| Average total assets | $33,402,500 | 6,114 |
| Average earning assets | $31,334,000 | 6,078 |
| Average equity | $9,319,500 | 4,914 |
| Average total loans | $27,721,500 | 5,609 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 2,750 |
| Cost of funding earning assets | 0.5261% | 2,425 |
| Net interest margin | 3.7320% | 2,872 |
| Noninterest income to average assets | 0.0841% | 6,208 |
| Noninterest expense to average assets | 3.1255% | 2,435 |
| Loan and lease loss provision to assets | 0.1740% | 1,487 |
| Net operating income to assets | 0.1711% | 5,825 |
| Return on assets (ROA) | 0.1711% | 5,874 |
| Pretax return on assets | 0.2812% | 5,738 |
| Return on Equity (ROE) | 0.6347% | 6,018 |
| Retained earnings to average equity (ytd only) | 0.6347% | 5,480 |
| Net charge-offs to loans | 0.0547% | 3,743 |
| Credit loss provision to net charge-offs | 400.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 10.4667% | 2,607 |
| Efficiency ratio | 87.2874% | 1,050 |
| Assets per employee ($millions) | 4.1716% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1519% | 881 |
| Loan loss allowance to noncurrent loans | 78.4211% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 2.6908% | 825 |
| Noncurrent loans to loans | 2.7441% | 882 |
| Net loans and leases to total assets | 81.2034% | 608 |
| Net loans and leases to deposits | 113.7270% | 168 |
| Net loans and leases to core deposits | 117.1689% | 496 |
| Total domestic deposits to total assets | 71.4020% | 6,123 |
| Equity capital to assets | 27.8968% | 73 |
| Core capital (leverage) ratio | 27.8459% | 72 |
| Tier 1 risk-based capital ratio | 50.5247% | 134 |
| Total risk-based capital ratio | 51.7969% | 131 |
| Memoranda: | ||
| Average total assets | $34,490,800 | 6,166 |
| Average earning assets | $32,315,200 | 6,135 |
| Average equity | $9,295,400 | 4,902 |
| Average total loans | $27,437,200 | 5,673 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 2,818 |
| Cost of funding earning assets | 0.5320% | 2,449 |
| Net interest margin | 3.7155% | 2,959 |
| Noninterest income to average assets | 0.0844% | 6,295 |
| Noninterest expense to average assets | 3.1329% | 2,370 |
| Loan and lease loss provision to assets | 0.1726% | 1,430 |
| Net operating income to assets | 0.2071% | 5,836 |
| Return on assets (ROA) | 0.2071% | 5,888 |
| Pretax return on assets | 0.2608% | 5,844 |
| Return on Equity (ROE) | 0.7749% | 6,063 |
| Retained earnings to average equity (ytd only) | 0.7749% | 5,565 |
| Net charge-offs to loans | 0.0925% | 2,890 |
| Credit loss provision to net charge-offs | 236.8421% | 1,103 |
| Earnings coverage of net charge-offs (x) | 5.9479% | 3,163 |
| Efficiency ratio | 87.8495% | 1,017 |
| Assets per employee ($millions) | 4.2853% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1202% | 1,060 |
| Loan loss allowance to noncurrent loans | 75.5236% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 2.6311% | 974 |
| Noncurrent loans to loans | 2.8074% | 989 |
| Net loans and leases to total assets | 77.6997% | 990 |
| Net loans and leases to deposits | 107.9208% | 267 |
| Net loans and leases to core deposits | 111.0708% | 705 |
| Total domestic deposits to total assets | 71.9970% | 6,171 |
| Equity capital to assets | 27.1659% | 76 |
| Core capital (leverage) ratio | 27.0900% | 70 |
| Tier 1 risk-based capital ratio | 49.9785% | 133 |
| Total risk-based capital ratio | 51.2539% | 132 |
| Memoranda: | ||
| Average total assets | $34,770,250 | 6,236 |
| Average earning assets | $32,583,250 | 6,205 |
| Average equity | $9,291,750 | 4,948 |
| Average total loans | $27,372,500 | 5,738 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 2,749 |
| Cost of funding earning assets | 0.5314% | 2,527 |
| Net interest margin | 3.7261% | 2,856 |
| Noninterest income to average assets | 0.0744% | 6,366 |
| Noninterest expense to average assets | 3.1890% | 2,226 |
| Loan and lease loss provision to assets | 0.1718% | 1,432 |
| Net operating income to assets | 0.1374% | 5,979 |
| Return on assets (ROA) | 0.1374% | 6,014 |
| Pretax return on assets | 0.2061% | 5,936 |
| Return on Equity (ROE) | 0.5170% | 6,148 |
| Retained earnings to average equity (ytd only) | 0.5170% | 5,533 |
| Net charge-offs to loans | 0.0583% | 3,136 |
| Credit loss provision to net charge-offs | 375.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 2,520 |
| Efficiency ratio | 89.4061% | 958 |
| Assets per employee ($millions) | 4.3571% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0839% | 1,214 |
| Loan loss allowance to noncurrent loans | 83.0435% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 2.3754% | 1,228 |
| Noncurrent loans to loans | 2.5095% | 1,239 |
| Net loans and leases to total assets | 77.2384% | 1,019 |
| Net loans and leases to deposits | 106.4403% | 288 |
| Net loans and leases to core deposits | 109.4698% | 716 |
| Total domestic deposits to total assets | 72.5651% | 6,211 |
| Equity capital to assets | 26.6862% | 78 |
| Core capital (leverage) ratio | 26.5599% | 75 |
| Tier 1 risk-based capital ratio | 48.5068% | 143 |
| Total risk-based capital ratio | 49.7799% | 140 |
| Memoranda: | ||
| Average total assets | $34,933,000 | 6,293 |
| Average earning assets | $32,741,670 | 6,255 |
| Average equity | $9,284,670 | 4,965 |
| Average total loans | $27,425,330 | 5,771 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 2,698 |
| Cost of funding earning assets | 0.5370% | 2,535 |
| Net interest margin | 3.7100% | 2,825 |
| Noninterest income to average assets | 0.0686% | 6,427 |
| Noninterest expense to average assets | 3.2255% | 2,140 |
| Loan and lease loss provision to assets | 0.1716% | 1,410 |
| Net operating income to assets | 0.1029% | 6,026 |
| Return on assets (ROA) | 0.1029% | 6,055 |
| Pretax return on assets | 0.1487% | 6,008 |
| Return on Equity (ROE) | 0.3881% | 6,162 |
| Retained earnings to average equity (ytd only) | 0.3881% | 5,417 |
| Net charge-offs to loans | 0.0292% | 2,999 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,632 |
| Efficiency ratio | 90.9677% | 955 |
| Assets per employee ($millions) | 4.3308% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0342% | 1,454 |
| Loan loss allowance to noncurrent loans | 110.1563% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.8530% | 1,877 |
| Noncurrent loans to loans | 1.8466% | 2,072 |
| Net loans and leases to total assets | 78.3987% | 719 |
| Net loans and leases to deposits | 108.1591% | 186 |
| Net loans and leases to core deposits | 111.2604% | 537 |
| Total domestic deposits to total assets | 72.4846% | 6,338 |
| Equity capital to assets | 26.8083% | 80 |
| Core capital (leverage) ratio | 26.6784% | 80 |
| Tier 1 risk-based capital ratio | 48.3977% | 147 |
| Total risk-based capital ratio | 49.6701% | 147 |
| Memoranda: | ||
| Average total assets | $34,971,000 | 6,354 |
| Average earning assets | $32,776,000 | 6,322 |
| Average equity | $9,276,000 | 4,982 |
| Average total loans | $27,390,000 | 5,832 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 2,853 |
| Cost of funding earning assets | 0.6280% | 2,406 |
| Net interest margin | 3.6992% | 3,057 |
| Noninterest income to average assets | 0.0758% | 6,465 |
| Noninterest expense to average assets | 2.9607% | 3,162 |
| Loan and lease loss provision to assets | 0.2331% | 1,544 |
| Net operating income to assets | 0.2360% | 5,730 |
| Return on assets (ROA) | 0.2360% | 5,795 |
| Pretax return on assets | 0.3567% | 5,590 |
| Return on Equity (ROE) | 0.9127% | 6,097 |
| Retained earnings to average equity (ytd only) | 0.9127% | 5,426 |
| Net charge-offs to loans | 0.2198% | 2,705 |
| Credit loss provision to net charge-offs | 138.3333% | 1,687 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,834 |
| Efficiency ratio | 83.3861% | 1,702 |
| Assets per employee ($millions) | 4.4120% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 2,109 |
| Loan loss allowance to noncurrent loans | 42.8191% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 3.5641% | 807 |
| Noncurrent loans to loans | 4.1694% | 674 |
| Net loans and leases to total assets | 75.2805% | 1,189 |
| Net loans and leases to deposits | 102.9086% | 362 |
| Net loans and leases to core deposits | 105.7763% | 805 |
| Total domestic deposits to total assets | 73.1528% | 6,342 |
| Equity capital to assets | 26.2466% | 81 |
| Core capital (leverage) ratio | 26.1616% | 78 |
| Tier 1 risk-based capital ratio | 47.7678% | 149 |
| Total risk-based capital ratio | 49.0352% | 149 |
| Memoranda: | ||
| Average total assets | $35,599,800 | 6,403 |
| Average earning assets | $33,439,600 | 6,362 |
| Average equity | $9,203,400 | 5,038 |
| Average total loans | $27,296,800 | 5,880 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 2,722 |
| Cost of funding earning assets | 0.6443% | 2,414 |
| Net interest margin | 3.7188% | 2,960 |
| Noninterest income to average assets | 0.0897% | 6,508 |
| Noninterest expense to average assets | 2.9562% | 3,127 |
| Loan and lease loss provision to assets | 0.2541% | 1,401 |
| Net operating income to assets | 0.2467% | 5,787 |
| Return on assets (ROA) | 0.2467% | 5,876 |
| Pretax return on assets | 0.3737% | 5,699 |
| Return on Equity (ROE) | 0.9577% | 6,190 |
| Retained earnings to average equity (ytd only) | 0.9577% | 5,599 |
| Net charge-offs to loans | 0.3314% | 1,886 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 2.4707% | 4,010 |
| Efficiency ratio | 82.4818% | 1,765 |
| Assets per employee ($millions) | 4.4118% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7128% | 2,590 |
| Loan loss allowance to noncurrent loans | 39.0492% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 3.3377% | 1,048 |
| Noncurrent loans to loans | 4.3864% | 757 |
| Net loans and leases to total assets | 74.7889% | 1,160 |
| Net loans and leases to deposits | 102.0490% | 378 |
| Net loans and leases to core deposits | 104.8875% | 828 |
| Total domestic deposits to total assets | 73.2872% | 6,413 |
| Equity capital to assets | 26.1291% | 81 |
| Core capital (leverage) ratio | 26.0838% | 77 |
| Tier 1 risk-based capital ratio | 47.6847% | 153 |
| Total risk-based capital ratio | 48.9485% | 150 |
| Memoranda: | ||
| Average total assets | $35,675,750 | 6,471 |
| Average earning assets | $33,522,250 | 6,436 |
| Average equity | $9,188,250 | 5,090 |
| Average total loans | $27,357,500 | 5,930 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 2,464 |
| Cost of funding earning assets | 0.6607% | 2,394 |
| Net interest margin | 3.7676% | 2,684 |
| Noninterest income to average assets | 0.0782% | 6,595 |
| Noninterest expense to average assets | 2.9495% | 3,170 |
| Loan and lease loss provision to assets | 0.2514% | 1,476 |
| Net operating income to assets | 0.2737% | 5,697 |
| Return on assets (ROA) | 0.2737% | 5,832 |
| Pretax return on assets | 0.4134% | 5,613 |
| Return on Equity (ROE) | 1.0679% | 6,195 |
| Retained earnings to average equity (ytd only) | 1.0679% | 5,472 |
| Net charge-offs to loans | 0.2543% | 2,199 |
| Credit loss provision to net charge-offs | 128.5714% | 1,760 |
| Earnings coverage of net charge-offs (x) | 3.4000% | 3,397 |
| Efficiency ratio | 81.6074% | 1,943 |
| Assets per employee ($millions) | 4.4129% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7381% | 2,630 |
| Loan loss allowance to noncurrent loans | 40.0682% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 3.6201% | 1,041 |
| Noncurrent loans to loans | 4.3379% | 830 |
| Net loans and leases to total assets | 75.2656% | 1,075 |
| Net loans and leases to deposits | 102.5828% | 311 |
| Net loans and leases to core deposits | 105.4321% | 770 |
| Total domestic deposits to total assets | 73.3705% | 6,482 |
| Equity capital to assets | 26.0799% | 82 |
| Core capital (leverage) ratio | 26.0431% | 77 |
| Tier 1 risk-based capital ratio | 47.2626% | 146 |
| Total risk-based capital ratio | 48.5221% | 145 |
| Memoranda: | ||
| Average total assets | $35,803,000 | 6,513 |
| Average earning assets | $33,602,330 | 6,482 |
| Average equity | $9,177,000 | 5,131 |
| Average total loans | $27,524,670 | 5,958 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4594% | 2,320 |
| Cost of funding earning assets | 0.6861% | 2,337 |
| Net interest margin | 3.7734% | 2,548 |
| Noninterest income to average assets | 0.0999% | 6,578 |
| Noninterest expense to average assets | 2.8735% | 3,446 |
| Loan and lease loss provision to assets | 0.2441% | 1,478 |
| Net operating income to assets | 0.3439% | 5,384 |
| Return on assets (ROA) | 0.3439% | 5,529 |
| Pretax return on assets | 0.5215% | 5,198 |
| Return on Equity (ROE) | 1.3534% | 6,132 |
| Retained earnings to average equity (ytd only) | 1.3534% | 5,306 |
| Net charge-offs to loans | 0.7059% | 865 |
| Credit loss provision to net charge-offs | 44.8980% | 2,692 |
| Earnings coverage of net charge-offs (x) | 1.4082% | 3,364 |
| Efficiency ratio | 78.9634% | 2,468 |
| Assets per employee ($millions) | 4.4740% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 3,565 |
| Loan loss allowance to noncurrent loans | 31.6984% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 4.1099% | 954 |
| Noncurrent loans to loans | 4.9261% | 781 |
| Net loans and leases to total assets | 76.2656% | 805 |
| Net loans and leases to deposits | 103.3155% | 245 |
| Net loans and leases to core deposits | 106.1273% | 637 |
| Total domestic deposits to total assets | 73.8182% | 6,543 |
| Equity capital to assets | 25.6482% | 89 |
| Core capital (leverage) ratio | 25.6538% | 84 |
| Tier 1 risk-based capital ratio | 46.0944% | 158 |
| Total risk-based capital ratio | 47.3544% | 159 |
| Memoranda: | ||
| Average total assets | $36,053,000 | 6,568 |
| Average earning assets | $33,816,000 | 6,533 |
| Average equity | $9,162,000 | 5,192 |
| Average total loans | $27,766,500 | 6,001 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8176% | 2,127 |
| Cost of funding earning assets | 0.9130% | 1,859 |
| Net interest margin | 3.9045% | 2,804 |
| Noninterest income to average assets | 0.0983% | 6,515 |
| Noninterest expense to average assets | 3.2241% | 2,535 |
| Loan and lease loss provision to assets | 0.2950% | 2,313 |
| Net operating income to assets | 0.1861% | 5,816 |
| Return on assets (ROA) | 0.1861% | 5,987 |
| Pretax return on assets | 0.2392% | 5,929 |
| Return on Equity (ROE) | 0.7691% | 6,175 |
| Retained earnings to average equity (ytd only) | 0.7691% | 5,478 |
| Net charge-offs to loans | 0.2108% | 3,704 |
| Credit loss provision to net charge-offs | 170.7692% | 1,547 |
| Earnings coverage of net charge-offs (x) | 3.0923% | 3,888 |
| Efficiency ratio | 85.7850% | 1,449 |
| Assets per employee ($millions) | 4.5393% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6545% | 3,103 |
| Loan loss allowance to noncurrent loans | 32.0111% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 4.4804% | 927 |
| Noncurrent loans to loans | 5.1685% | 748 |
| Net loans and leases to total assets | 75.2960% | 1,010 |
| Net loans and leases to deposits | 101.4658% | 354 |
| Net loans and leases to core deposits | 104.1717% | 781 |
| Total domestic deposits to total assets | 74.2083% | 6,508 |
| Equity capital to assets | 25.1804% | 96 |
| Core capital (leverage) ratio | 25.2134% | 93 |
| Tier 1 risk-based capital ratio | 45.4189% | 169 |
| Total risk-based capital ratio | 46.6789% | 169 |
| Memoranda: | ||
| Average total assets | $37,622,800 | 6,567 |
| Average earning assets | $35,266,600 | 6,525 |
| Average equity | $9,102,000 | 5,198 |
| Average total loans | $30,838,200 | 5,906 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9153% | 1,953 |
| Cost of funding earning assets | 0.9628% | 1,769 |
| Net interest margin | 3.9524% | 2,696 |
| Noninterest income to average assets | 0.0878% | 6,661 |
| Noninterest expense to average assets | 3.2428% | 2,443 |
| Loan and lease loss provision to assets | 0.3092% | 2,138 |
| Net operating income to assets | 0.1581% | 6,014 |
| Return on assets (ROA) | 0.1581% | 6,170 |
| Pretax return on assets | 0.2424% | 6,058 |
| Return on Equity (ROE) | 0.6600% | 6,311 |
| Retained earnings to average equity (ytd only) | 0.6600% | 5,889 |
| Net charge-offs to loans | 0.2363% | 3,305 |
| Credit loss provision to net charge-offs | 157.1429% | 1,787 |
| Earnings coverage of net charge-offs (x) | 2.8038% | 3,915 |
| Efficiency ratio | 85.4630% | 1,436 |
| Assets per employee ($millions) | 5.3274% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 4,069 |
| Loan loss allowance to noncurrent loans | 28.0856% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 4.3790% | 1,064 |
| Noncurrent loans to loans | 5.2306% | 843 |
| Net loans and leases to total assets | 80.2156% | 489 |
| Net loans and leases to deposits | 106.9350% | 218 |
| Net loans and leases to core deposits | 109.6795% | 583 |
| Total domestic deposits to total assets | 75.0134% | 6,518 |
| Equity capital to assets | 24.4583% | 114 |
| Core capital (leverage) ratio | 24.4851% | 101 |
| Tier 1 risk-based capital ratio | 43.0302% | 197 |
| Total risk-based capital ratio | 44.2884% | 193 |
| Memoranda: | ||
| Average total assets | $37,950,000 | 6,639 |
| Average earning assets | $35,589,000 | 6,595 |
| Average equity | $9,091,500 | 5,244 |
| Average total loans | $31,597,000 | 5,943 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 2,018 |
| Cost of funding earning assets | 0.9966% | 1,784 |
| Net interest margin | 3.9250% | 2,812 |
| Noninterest income to average assets | 0.0891% | 6,721 |
| Noninterest expense to average assets | 3.2958% | 2,317 |
| Loan and lease loss provision to assets | 0.3458% | 1,898 |
| Net operating income to assets | 0.0786% | 6,208 |
| Return on assets (ROA) | 0.0786% | 6,349 |
| Pretax return on assets | 0.1205% | 6,282 |
| Return on Equity (ROE) | 0.3303% | 6,416 |
| Retained earnings to average equity (ytd only) | 0.3303% | 5,933 |
| Net charge-offs to loans | 0.3499% | 2,619 |
| Credit loss provision to net charge-offs | 117.8571% | 2,338 |
| Earnings coverage of net charge-offs (x) | 1.5893% | 4,201 |
| Efficiency ratio | 87.6045% | 1,270 |
| Assets per employee ($millions) | 4.8184% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 4,687 |
| Loan loss allowance to noncurrent loans | 25.0147% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 4.3972% | 1,129 |
| Noncurrent loans to loans | 5.3769% | 872 |
| Net loans and leases to total assets | 80.6807% | 435 |
| Net loans and leases to deposits | 109.9873% | 147 |
| Net loans and leases to core deposits | 112.7792% | 489 |
| Total domestic deposits to total assets | 73.3546% | 6,725 |
| Equity capital to assets | 23.5868% | 121 |
| Core capital (leverage) ratio | 23.6049% | 105 |
| Tier 1 risk-based capital ratio | 41.5536% | 205 |
| Total risk-based capital ratio | 42.7638% | 203 |
| Memoranda: | ||
| Average total assets | $38,169,330 | 6,678 |
| Average earning assets | $35,720,000 | 6,631 |
| Average equity | $9,081,670 | 5,244 |
| Average total loans | $32,009,330 | 5,966 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 2,118 |
| Cost of funding earning assets | 1.0298% | 1,813 |
| Net interest margin | 3.9043% | 2,897 |
| Noninterest income to average assets | 0.0948% | 6,774 |
| Noninterest expense to average assets | 3.3596% | 2,115 |
| Loan and lease loss provision to assets | 0.4950% | 1,230 |
| Net operating income to assets | -0.0843% | 6,514 |
| Return on assets (ROA) | -0.0843% | 6,603 |
| Pretax return on assets | -0.1264% | 6,614 |
| Return on Equity (ROE) | -0.3526% | 6,571 |
| Retained earnings to average equity (ytd only) | -0.3526% | 6,057 |
| Net charge-offs to loans | 0.3845% | 2,156 |
| Credit loss provision to net charge-offs | 151.6129% | 1,652 |
| Earnings coverage of net charge-offs (x) | 1.1290% | 3,768 |
| Efficiency ratio | 90.1130% | 1,087 |
| Assets per employee ($millions) | 4.7565% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 4,821 |
| Loan loss allowance to noncurrent loans | 19.2998% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 6.2020% | 735 |
| Noncurrent loans to loans | 6.9717% | 641 |
| Net loans and leases to total assets | 82.8550% | 231 |
| Net loans and leases to deposits | 113.3530% | 101 |
| Net loans and leases to core deposits | 116.2794% | 378 |
| Total domestic deposits to total assets | 73.0947% | 6,820 |
| Equity capital to assets | 23.8411% | 113 |
| Core capital (leverage) ratio | 23.8332% | 109 |
| Tier 1 risk-based capital ratio | 42.5256% | 191 |
| Total risk-based capital ratio | 43.5900% | 191 |
| Memoranda: | ||
| Average total assets | $37,980,500 | 6,735 |
| Average earning assets | $35,346,000 | 6,695 |
| Average equity | $9,076,500 | 5,265 |
| Average total loans | $32,252,000 | 5,991 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3573% | 1,541 |
| Cost of funding earning assets | 1.2599% | 1,681 |
| Net interest margin | 4.0974% | 2,435 |
| Noninterest income to average assets | 0.0356% | 6,888 |
| Noninterest expense to average assets | 3.1143% | 3,149 |
| Loan and lease loss provision to assets | 1.3449% | 597 |
| Net operating income to assets | -0.3305% | 6,366 |
| Return on assets (ROA) | -0.3305% | 6,418 |
| Pretax return on assets | -0.6203% | 6,565 |
| Return on Equity (ROE) | -1.4086% | 6,287 |
| Retained earnings to average equity (ytd only) | -1.4086% | 6,077 |
| Net charge-offs to loans | 0.9474% | 1,837 |
| Credit loss provision to net charge-offs | 168.4713% | 1,600 |
| Earnings coverage of net charge-offs (x) | 0.9076% | 5,126 |
| Efficiency ratio | 81.1258% | 2,146 |
| Assets per employee ($millions) | 4.7386% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 5,052 |
| Loan loss allowance to noncurrent loans | 18.5900% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 5.8746% | 847 |
| Noncurrent loans to loans | 6.8426% | 656 |
| Net loans and leases to total assets | 84.7609% | 175 |
| Net loans and leases to deposits | 116.0168% | 105 |
| Net loans and leases to core deposits | 119.0250% | 375 |
| Total domestic deposits to total assets | 73.0592% | 6,804 |
| Equity capital to assets | 23.9547% | 115 |
| Core capital (leverage) ratio | 23.9534% | 113 |
| Tier 1 risk-based capital ratio | 40.0512% | 228 |
| Total risk-based capital ratio | 41.3083% | 223 |
| Memoranda: | ||
| Average total assets | $39,334,200 | 6,699 |
| Average earning assets | $36,510,600 | 6,652 |
| Average equity | $9,229,000 | 5,222 |
| Average total loans | $33,143,200 | 6,004 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5414% | 1,159 |
| Cost of funding earning assets | 1.2527% | 1,980 |
| Net interest margin | 4.2887% | 1,762 |
| Noninterest income to average assets | 0.0269% | 7,025 |
| Noninterest expense to average assets | 3.0536% | 3,339 |
| Loan and lease loss provision to assets | 0.5980% | 1,649 |
| Net operating income to assets | 0.1780% | 5,760 |
| Return on assets (ROA) | 0.1780% | 5,881 |
| Pretax return on assets | 0.3661% | 5,562 |
| Return on Equity (ROE) | 0.7626% | 6,111 |
| Retained earnings to average equity (ytd only) | 0.7626% | 5,706 |
| Net charge-offs to loans | -0.0761% | 7,122 |
| Credit loss provision to net charge-offs | -936.8421% | 6,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0033% | 2,834 |
| Assets per employee ($millions) | 4.8916% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 5,553 |
| Loan loss allowance to noncurrent loans | 17.7102% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 5.9438% | 900 |
| Noncurrent loans to loans | 6.6534% | 781 |
| Net loans and leases to total assets | 84.8670% | 169 |
| Net loans and leases to deposits | 116.0818% | 112 |
| Net loans and leases to core deposits | 118.9932% | 418 |
| Total domestic deposits to total assets | 73.1097% | 6,844 |
| Equity capital to assets | 23.6833% | 135 |
| Core capital (leverage) ratio | 23.6734% | 130 |
| Tier 1 risk-based capital ratio | 40.4932% | 241 |
| Total risk-based capital ratio | 41.7435% | 236 |
| Memoranda: | ||
| Average total assets | $39,690,500 | 6,743 |
| Average earning assets | $36,933,250 | 6,704 |
| Average equity | $9,266,000 | 5,242 |
| Average total loans | $33,292,500 | 6,053 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4874% | 1,325 |
| Cost of funding earning assets | 1.3086% | 1,883 |
| Net interest margin | 4.1789% | 2,123 |
| Noninterest income to average assets | 0.0201% | 7,147 |
| Noninterest expense to average assets | 2.9692% | 3,761 |
| Loan and lease loss provision to assets | 0.3160% | 2,901 |
| Net operating income to assets | 0.4363% | 4,788 |
| Return on assets (ROA) | 0.4363% | 4,928 |
| Pretax return on assets | 0.6269% | 4,656 |
| Return on Equity (ROE) | 1.8780% | 5,831 |
| Retained earnings to average equity (ytd only) | 1.8780% | 5,041 |
| Net charge-offs to loans | 0.1989% | 3,956 |
| Credit loss provision to net charge-offs | 190.9091% | 1,583 |
| Earnings coverage of net charge-offs (x) | 5.6970% | 2,551 |
| Efficiency ratio | 75.8974% | 3,031 |
| Assets per employee ($millions) | 4.8939% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 7,032 |
| Loan loss allowance to noncurrent loans | 10.9360% | 6,933 |
| Noncurrent assets plus other real estate owned to assets | 5.5784% | 1,054 |
| Noncurrent loans to loans | 6.2932% | 911 |
| Net loans and leases to total assets | 84.4040% | 222 |
| Net loans and leases to deposits | 115.5743% | 113 |
| Net loans and leases to core deposits | 118.4748% | 459 |
| Total domestic deposits to total assets | 73.0301% | 6,921 |
| Equity capital to assets | 23.7746% | 140 |
| Core capital (leverage) ratio | 23.7568% | 136 |
| Tier 1 risk-based capital ratio | 39.9837% | 247 |
| Total risk-based capital ratio | 40.9685% | 245 |
| Memoranda: | ||
| Average total assets | $39,876,330 | 6,788 |
| Average earning assets | $37,139,330 | 6,756 |
| Average equity | $9,265,330 | 5,247 |
| Average total loans | $33,187,670 | 6,124 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5285% | 1,225 |
| Cost of funding earning assets | 1.3128% | 2,113 |
| Net interest margin | 4.2158% | 1,851 |
| Noninterest income to average assets | 0.0199% | 7,245 |
| Noninterest expense to average assets | 2.9524% | 3,845 |
| Loan and lease loss provision to assets | 0.4771% | 1,844 |
| Net operating income to assets | 0.3777% | 5,035 |
| Return on assets (ROA) | 0.3777% | 5,118 |
| Pretax return on assets | 0.5169% | 4,972 |
| Return on Equity (ROE) | 1.6443% | 5,931 |
| Retained earnings to average equity (ytd only) | 1.6443% | 5,130 |
| Net charge-offs to loans | 0.3983% | 2,497 |
| Credit loss provision to net charge-offs | 145.4545% | 1,946 |
| Earnings coverage of net charge-offs (x) | 3.0303% | 2,870 |
| Efficiency ratio | 74.8111% | 3,363 |
| Assets per employee ($millions) | 5.0255% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6466% | 7,149 |
| Loan loss allowance to noncurrent loans | 13.5873% | 6,951 |
| Noncurrent assets plus other real estate owned to assets | 4.1414% | 1,598 |
| Noncurrent loans to loans | 4.7587% | 1,445 |
| Net loans and leases to total assets | 81.7904% | 359 |
| Net loans and leases to deposits | 114.1692% | 130 |
| Net loans and leases to core deposits | 117.0130% | 498 |
| Total domestic deposits to total assets | 71.6396% | 7,101 |
| Equity capital to assets | 23.0350% | 143 |
| Core capital (leverage) ratio | 23.0155% | 139 |
| Tier 1 risk-based capital ratio | 39.9214% | 243 |
| Total risk-based capital ratio | 40.8451% | 241 |
| Memoranda: | ||
| Average total assets | $40,239,000 | 6,823 |
| Average earning assets | $37,478,500 | 6,785 |
| Average equity | $9,244,000 | 5,248 |
| Average total loans | $33,144,500 | 6,172 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3143% | 3,058 |
| Cost of funding earning assets | 1.4388% | 3,028 |
| Net interest margin | 3.8755% | 3,611 |
| Noninterest income to average assets | 0.0205% | 7,217 |
| Noninterest expense to average assets | 2.7801% | 4,675 |
| Loan and lease loss provision to assets | 0.3840% | 3,815 |
| Net operating income to assets | 0.2406% | 5,135 |
| Return on assets (ROA) | 0.2406% | 5,289 |
| Pretax return on assets | 0.4557% | 4,775 |
| Return on Equity (ROE) | 1.0215% | 5,683 |
| Retained earnings to average equity (ytd only) | 1.0215% | 5,030 |
| Net charge-offs to loans | 0.3551% | 4,244 |
| Credit loss provision to net charge-offs | 128.2051% | 3,130 |
| Earnings coverage of net charge-offs (x) | 2.8034% | 3,676 |
| Efficiency ratio | 76.8034% | 2,901 |
| Assets per employee ($millions) | 5.0343% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5965% | 7,267 |
| Loan loss allowance to noncurrent loans | 12.1547% | 7,057 |
| Noncurrent assets plus other real estate owned to assets | 4.4172% | 1,509 |
| Noncurrent loans to loans | 4.9078% | 1,391 |
| Net loans and leases to total assets | 81.9238% | 454 |
| Net loans and leases to deposits | 114.1266% | 172 |
| Net loans and leases to core deposits | 116.9585% | 607 |
| Total domestic deposits to total assets | 71.7833% | 7,100 |
| Equity capital to assets | 22.9106% | 162 |
| Core capital (leverage) ratio | 22.8826% | 153 |
| Tier 1 risk-based capital ratio | 39.7205% | 242 |
| Total risk-based capital ratio | 40.5745% | 245 |
| Memoranda: | ||
| Average total assets | $39,063,000 | 6,901 |
| Average earning assets | $36,279,600 | 6,867 |
| Average equity | $9,202,000 | 5,356 |
| Average total loans | $32,951,800 | 6,258 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2277% | 3,695 |
| Cost of funding earning assets | 1.4237% | 3,434 |
| Net interest margin | 3.8040% | 3,957 |
| Noninterest income to average assets | 0.0172% | 7,396 |
| Noninterest expense to average assets | 2.7244% | 4,777 |
| Loan and lease loss provision to assets | 0.3199% | 4,031 |
| Net operating income to assets | 0.3302% | 5,048 |
| Return on assets (ROA) | 0.3302% | 5,218 |
| Pretax return on assets | 0.5022% | 4,915 |
| Return on Equity (ROE) | 1.3919% | 5,796 |
| Retained earnings to average equity (ytd only) | 1.3919% | 5,250 |
| Net charge-offs to loans | 0.4743% | 3,376 |
| Credit loss provision to net charge-offs | 79.4872% | 5,154 |
| Earnings coverage of net charge-offs (x) | 2.0427% | 4,194 |
| Efficiency ratio | 76.8186% | 2,792 |
| Assets per employee ($millions) | 5.0020% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4244% | 7,512 |
| Loan loss allowance to noncurrent loans | 9.7308% | 7,186 |
| Noncurrent assets plus other real estate owned to assets | 4.0209% | 1,737 |
| Noncurrent loans to loans | 4.3613% | 1,667 |
| Net loans and leases to total assets | 82.6744% | 432 |
| Net loans and leases to deposits | 115.3924% | 166 |
| Net loans and leases to core deposits | 118.2803% | 674 |
| Total domestic deposits to total assets | 71.6463% | 7,167 |
| Equity capital to assets | 23.0758% | 160 |
| Core capital (leverage) ratio | 23.0417% | 152 |
| Tier 1 risk-based capital ratio | 39.7540% | 252 |
| Total risk-based capital ratio | 40.3625% | 255 |
| Memoranda: | ||
| Average total assets | $38,760,250 | 6,992 |
| Average earning assets | $35,961,500 | 6,961 |
| Average equity | $9,195,750 | 5,428 |
| Average total loans | $32,891,750 | 6,344 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9952% | 4,968 |
| Cost of funding earning assets | 1.3470% | 4,206 |
| Net interest margin | 3.6482% | 4,587 |
| Noninterest income to average assets | 0.0104% | 7,493 |
| Noninterest expense to average assets | 2.5820% | 5,399 |
| Loan and lease loss provision to assets | 0.1356% | 5,534 |
| Net operating income to assets | 0.4486% | 4,559 |
| Return on assets (ROA) | 0.4486% | 4,711 |
| Pretax return on assets | 0.6833% | 4,295 |
| Return on Equity (ROE) | 1.8730% | 5,668 |
| Retained earnings to average equity (ytd only) | 1.8730% | 4,932 |
| Net charge-offs to loans | 0.4027% | 3,371 |
| Credit loss provision to net charge-offs | 39.3939% | 5,622 |
| Earnings coverage of net charge-offs (x) | 2.3788% | 3,804 |
| Efficiency ratio | 75.9202% | 3,091 |
| Assets per employee ($millions) | 4.8566% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3846% | 7,602 |
| Loan loss allowance to noncurrent loans | 8.2949% | 7,283 |
| Noncurrent assets plus other real estate owned to assets | 4.0640% | 1,683 |
| Noncurrent loans to loans | 4.6363% | 1,551 |
| Net loans and leases to total assets | 84.0012% | 355 |
| Net loans and leases to deposits | 118.6412% | 143 |
| Net loans and leases to core deposits | 121.7390% | 640 |
| Total domestic deposits to total assets | 70.8028% | 7,276 |
| Equity capital to assets | 23.7330% | 155 |
| Core capital (leverage) ratio | 23.6905% | 143 |
| Tier 1 risk-based capital ratio | 40.6391% | 239 |
| Total risk-based capital ratio | 41.1960% | 242 |
| Memoranda: | ||
| Average total assets | $38,341,670 | 7,058 |
| Average earning assets | $35,634,330 | 7,020 |
| Average equity | $9,183,000 | 5,449 |
| Average total loans | $32,781,000 | 6,393 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1035% | 773 |
| Cost of funding earning assets | 1.6306% | 2,776 |
| Net interest margin | 4.4729% | 1,205 |
| Noninterest income to average assets | 0.0105% | 7,621 |
| Noninterest expense to average assets | 3.1928% | 2,897 |
| Loan and lease loss provision to assets | 0.1680% | 4,854 |
| Net operating income to assets | 0.5251% | 4,262 |
| Return on assets (ROA) | 0.5251% | 4,401 |
| Pretax return on assets | 0.7982% | 3,876 |
| Return on Equity (ROE) | 2.1825% | 5,689 |
| Retained earnings to average equity (ytd only) | 2.1825% | 4,827 |
| Net charge-offs to loans | 0.7319% | 2,040 |
| Credit loss provision to net charge-offs | 26.6667% | 4,865 |
| Earnings coverage of net charge-offs (x) | 1.5333% | 3,812 |
| Efficiency ratio | 76.7677% | 3,097 |
| Assets per employee ($millions) | 4.7854% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5685% | 7,538 |
| Loan loss allowance to noncurrent loans | 17.8846% | 7,113 |
| Noncurrent assets plus other real estate owned to assets | 2.8733% | 2,511 |
| Noncurrent loans to loans | 3.1790% | 2,515 |
| Net loans and leases to total assets | 84.9698% | 291 |
| Net loans and leases to deposits | 120.6968% | 127 |
| Net loans and leases to core deposits | 123.9153% | 647 |
| Total domestic deposits to total assets | 70.3994% | 7,384 |
| Equity capital to assets | 24.0185% | 164 |
| Core capital (leverage) ratio | 23.9583% | 151 |
| Tier 1 risk-based capital ratio | 41.3312% | 231 |
| Total risk-based capital ratio | 42.1706% | 233 |
| Memoranda: | ||
| Average total assets | $38,086,000 | 7,156 |
| Average earning assets | $35,324,000 | 7,116 |
| Average equity | $9,164,000 | 5,494 |
| Average total loans | $32,790,000 | 6,471 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2364% | 1,148 |
| Cost of funding earning assets | 2.1148% | 2,390 |
| Net interest margin | 4.1216% | 2,361 |
| Noninterest income to average assets | 0.0179% | 7,629 |
| Noninterest expense to average assets | 2.9986% | 4,150 |
| Loan and lease loss provision to assets | 0.3844% | 4,485 |
| Net operating income to assets | 0.2973% | 4,543 |
| Return on assets (ROA) | 0.2973% | 4,621 |
| Pretax return on assets | 0.4511% | 4,348 |
| Return on Equity (ROE) | 1.2760% | 5,148 |
| Retained earnings to average equity (ytd only) | 1.2760% | 4,151 |
| Net charge-offs to loans | 0.2395% | 5,122 |
| Credit loss provision to net charge-offs | 187.5000% | 2,154 |
| Earnings coverage of net charge-offs (x) | 4.0750% | 3,077 |
| Efficiency ratio | 78.2086% | 3,159 |
| Assets per employee ($millions) | 5.4127% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6998% | 7,379 |
| Loan loss allowance to noncurrent loans | 20.8522% | 7,020 |
| Noncurrent assets plus other real estate owned to assets | 3.5815% | 1,866 |
| Noncurrent loans to loans | 3.3562% | 2,272 |
| Net loans and leases to total assets | 86.1332% | 272 |
| Net loans and leases to deposits | 122.6695% | 140 |
| Net loans and leases to core deposits | 141.5037% | 754 |
| Total domestic deposits to total assets | 70.2156% | 7,407 |
| Equity capital to assets | 24.1046% | 181 |
| Core capital (leverage) ratio | 24.0648% | 173 |
| Tier 1 risk-based capital ratio | 40.5349% | 243 |
| Total risk-based capital ratio | 41.5584% | 238 |
| Memoranda: | ||
| Average total assets | $39,017,800 | 7,132 |
| Average earning assets | $36,126,600 | 7,097 |
| Average equity | $9,091,000 | 5,580 |
| Average total loans | $33,400,400 | 6,436 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4425% | 852 |
| Cost of funding earning assets | 2.2109% | 2,356 |
| Net interest margin | 4.2315% | 1,936 |
| Noninterest income to average assets | 0.0170% | 7,784 |
| Noninterest expense to average assets | 2.9550% | 4,226 |
| Loan and lease loss provision to assets | 0.3630% | 4,147 |
| Net operating income to assets | 0.4071% | 4,368 |
| Return on assets (ROA) | 0.4071% | 4,473 |
| Pretax return on assets | 0.6209% | 4,124 |
| Return on Equity (ROE) | 1.7620% | 5,244 |
| Retained earnings to average equity (ytd only) | 1.7620% | 4,327 |
| Net charge-offs to loans | 0.3181% | 4,049 |
| Credit loss provision to net charge-offs | 133.7500% | 3,726 |
| Earnings coverage of net charge-offs (x) | 3.6252% | 3,448 |
| Efficiency ratio | 75.0215% | 3,686 |
| Assets per employee ($millions) | 5.5794% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5700% | 7,621 |
| Loan loss allowance to noncurrent loans | 16.1097% | 7,280 |
| Noncurrent assets plus other real estate owned to assets | 3.7075% | 1,749 |
| Noncurrent loans to loans | 3.5383% | 2,115 |
| Net loans and leases to total assets | 83.9666% | 544 |
| Net loans and leases to deposits | 122.8608% | 156 |
| Net loans and leases to core deposits | 141.0737% | 869 |
| Total domestic deposits to total assets | 68.3429% | 7,545 |
| Equity capital to assets | 23.4842% | 205 |
| Core capital (leverage) ratio | 23.3851% | 200 |
| Tier 1 risk-based capital ratio | 40.0809% | 283 |
| Total risk-based capital ratio | 40.9079% | 283 |
| Memoranda: | ||
| Average total assets | $39,300,000 | 7,187 |
| Average earning assets | $36,424,000 | 7,140 |
| Average equity | $9,080,500 | 5,639 |
| Average total loans | $33,534,250 | 6,480 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4990% | 826 |
| Cost of funding earning assets | 2.3176% | 2,289 |
| Net interest margin | 4.1814% | 2,060 |
| Noninterest income to average assets | 0.0051% | 7,928 |
| Noninterest expense to average assets | 2.9862% | 4,144 |
| Loan and lease loss provision to assets | 0.4164% | 3,453 |
| Net operating income to assets | 0.3199% | 4,813 |
| Return on assets (ROA) | 0.3199% | 4,924 |
| Pretax return on assets | 0.4875% | 4,665 |
| Return on Equity (ROE) | 1.3923% | 5,501 |
| Retained earnings to average equity (ytd only) | 1.3923% | 4,562 |
| Net charge-offs to loans | 0.3322% | 3,523 |
| Credit loss provision to net charge-offs | 146.4286% | 3,159 |
| Earnings coverage of net charge-offs (x) | 3.1786% | 3,532 |
| Efficiency ratio | 76.7624% | 3,550 |
| Assets per employee ($millions) | 5.6669% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5627% | 7,709 |
| Loan loss allowance to noncurrent loans | 14.1132% | 7,394 |
| Noncurrent assets plus other real estate owned to assets | 4.0410% | 1,453 |
| Noncurrent loans to loans | 3.9871% | 1,708 |
| Net loans and leases to total assets | 83.3039% | 743 |
| Net loans and leases to deposits | 120.4571% | 225 |
| Net loans and leases to core deposits | 135.8423% | 1,217 |
| Total domestic deposits to total assets | 69.1565% | 7,540 |
| Equity capital to assets | 22.8950% | 252 |
| Core capital (leverage) ratio | 22.8506% | 251 |
| Tier 1 risk-based capital ratio | 39.5001% | 319 |
| Total risk-based capital ratio | 40.3158% | 320 |
| Memoranda: | ||
| Average total assets | $39,381,330 | 7,235 |
| Average earning assets | $36,590,330 | 7,192 |
| Average equity | $9,050,000 | 5,666 |
| Average total loans | $33,718,330 | 6,521 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6584% | 629 |
| Cost of funding earning assets | 2.4093% | 2,255 |
| Net interest margin | 4.2491% | 1,753 |
| Noninterest income to average assets | 0.0102% | 8,017 |
| Noninterest expense to average assets | 3.0277% | 3,643 |
| Loan and lease loss provision to assets | 0.1631% | 4,848 |
| Net operating income to assets | 0.5097% | 4,376 |
| Return on assets (ROA) | 0.5097% | 4,562 |
| Pretax return on assets | 0.7748% | 4,169 |
| Return on Equity (ROE) | 2.2139% | 5,698 |
| Retained earnings to average equity (ytd only) | 2.2139% | 4,641 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3496% | 3,428 |
| Assets per employee ($millions) | 5.6551% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5246% | 7,785 |
| Loan loss allowance to noncurrent loans | 15.4450% | 7,381 |
| Noncurrent assets plus other real estate owned to assets | 3.5265% | 1,523 |
| Noncurrent loans to loans | 3.3968% | 1,886 |
| Net loans and leases to total assets | 84.7800% | 581 |
| Net loans and leases to deposits | 122.6510% | 242 |
| Net loans and leases to core deposits | 137.1740% | 1,237 |
| Total domestic deposits to total assets | 69.1229% | 7,502 |
| Equity capital to assets | 22.9222% | 279 |
| Core capital (leverage) ratio | 22.8697% | 285 |
| Tier 1 risk-based capital ratio | 38.3916% | 349 |
| Total risk-based capital ratio | 39.1432% | 353 |
| Memoranda: | ||
| Average total assets | $39,238,000 | 7,286 |
| Average earning assets | $36,525,500 | 7,243 |
| Average equity | $9,034,000 | 5,694 |
| Average total loans | $33,961,500 | 6,542 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7175% | 1,964 |
| Cost of funding earning assets | 2.8640% | 2,421 |
| Net interest margin | 3.8536% | 3,780 |
| Noninterest income to average assets | 0.0480% | 7,901 |
| Noninterest expense to average assets | 2.7332% | 5,122 |
| Loan and lease loss provision to assets | 0.1262% | 5,753 |
| Net operating income to assets | 0.5829% | 4,381 |
| Return on assets (ROA) | 0.5956% | 4,187 |
| Pretax return on assets | 0.8227% | 3,985 |
| Return on Equity (ROE) | 2.5705% | 5,392 |
| Retained earnings to average equity (ytd only) | 2.5705% | 3,589 |
| Net charge-offs to loans | 0.2936% | 3,438 |
| Credit loss provision to net charge-offs | 51.0204% | 6,340 |
| Earnings coverage of net charge-offs (x) | 3.7653% | 4,228 |
| Efficiency ratio | 74.5868% | 3,479 |
| Assets per employee ($millions) | 4.8613% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4739% | 7,882 |
| Loan loss allowance to noncurrent loans | 18.7935% | 7,283 |
| Noncurrent assets plus other real estate owned to assets | 2.8593% | 1,641 |
| Noncurrent loans to loans | 2.5216% | 2,156 |
| Net loans and leases to total assets | 87.4852% | 415 |
| Net loans and leases to deposits | 127.0036% | 256 |
| Net loans and leases to core deposits | 140.9871% | 1,215 |
| Total domestic deposits to total assets | 68.8840% | 7,395 |
| Equity capital to assets | 23.1268% | 310 |
| Core capital (leverage) ratio | 23.1228% | 305 |
| Tier 1 risk-based capital ratio | 39.0278% | 356 |
| Total risk-based capital ratio | 39.7309% | 356 |
| Memoranda: | ||
| Average total assets | $39,623,600 | 7,231 |
| Average earning assets | $37,186,200 | 7,183 |
| Average equity | $9,181,200 | 5,681 |
| Average total loans | $33,378,800 | 6,519 |