Home > Freedom Bank > Performance and Condition Ratios
Freedom Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4889% | 165 |
| Cost of funding earning assets | 1.6818% | 1,487 |
| Net interest margin | 5.8071% | 130 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 3.0027% | 1,122 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.9396% | 508 |
| Return on assets (ROA) | 1.9396% | 486 |
| Pretax return on assets | 2.6868% | 284 |
| Return on Equity (ROE) | 18.7300% | 734 |
| Retained earnings to average equity (ytd only) | 8.2133% | 1,474 |
| Net charge-offs to loans | 0.0019% | 2,746 |
| Credit loss provision to net charge-offs | 5,000.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 1,900.0000% | 80 |
| Efficiency ratio | 52.1109% | 3,820 |
| Assets per employee ($millions) | 4.6780% | 3,841 |
| Cash dividends to net income (ytd only)* | 56.1587% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 1,222 |
| Loan loss allowance to noncurrent loans | 239.6657% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 1,116 |
| Noncurrent loans to loans | 0.6026% | 1,306 |
| Net loans and leases to total assets | 82.1600% | 415 |
| Net loans and leases to deposits | 92.7890% | 1,029 |
| Net loans and leases to core deposits | 104.4290% | 1,196 |
| Total domestic deposits to total assets | 88.5400% | 1,197 |
| Equity capital to assets | 11.3776% | 1,337 |
| Core capital (leverage) ratio | 10.8325% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $137,709,000 | 3,482 |
| Average earning assets | $130,752,800 | 3,442 |
| Average equity | $14,257,400 | 3,322 |
| Average total loans | $107,888,800 | 3,089 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2827% | 167 |
| Cost of funding earning assets | 1.5688% | 1,440 |
| Net interest margin | 5.7139% | 142 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.9384% | 1,161 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.0058% | 496 |
| Return on assets (ROA) | 2.0058% | 487 |
| Pretax return on assets | 2.6840% | 318 |
| Return on Equity (ROE) | 19.8300% | 739 |
| Retained earnings to average equity (ytd only) | 5.6469% | 2,736 |
| Net charge-offs to loans | 0.0037% | 2,365 |
| Credit loss provision to net charge-offs | 1,666.6667% | 286 |
| Earnings coverage of net charge-offs (x) | 952.0000% | 167 |
| Efficiency ratio | 51.8219% | 3,768 |
| Assets per employee ($millions) | 5.0789% | 3,549 |
| Cash dividends to net income (ytd only)* | 71.5308% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 1,567 |
| Loan loss allowance to noncurrent loans | 222.1252% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 1,196 |
| Noncurrent loans to loans | 0.6183% | 1,316 |
| Net loans and leases to total assets | 77.0600% | 985 |
| Net loans and leases to deposits | 86.0916% | 1,562 |
| Net loans and leases to core deposits | 94.9383% | 1,620 |
| Total domestic deposits to total assets | 89.5100% | 1,068 |
| Equity capital to assets | 10.0759% | 1,788 |
| Core capital (leverage) ratio | 10.4170% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $139,390,000 | 3,474 |
| Average earning assets | $132,329,000 | 3,433 |
| Average equity | $14,096,000 | 3,324 |
| Average total loans | $107,563,750 | 3,095 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7494% | 143 |
| Cost of funding earning assets | 1.3349% | 1,161 |
| Net interest margin | 5.4145% | 165 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.8687% | 1,293 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8482% | 621 |
| Return on assets (ROA) | 1.8482% | 609 |
| Pretax return on assets | 2.4860% | 365 |
| Return on Equity (ROE) | 18.9600% | 893 |
| Retained earnings to average equity (ytd only) | 1.5118% | 3,781 |
| Net charge-offs to loans | -0.0342% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.5733% | 3,644 |
| Assets per employee ($millions) | 5.1955% | 3,505 |
| Cash dividends to net income (ytd only)* | 92.0245% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 1,583 |
| Loan loss allowance to noncurrent loans | 197.6096% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 964 |
| Noncurrent loans to loans | 0.7133% | 1,066 |
| Net loans and leases to total assets | 74.1900% | 1,180 |
| Net loans and leases to deposits | 82.5120% | 1,615 |
| Net loans and leases to core deposits | 89.1961% | 1,664 |
| Total domestic deposits to total assets | 89.9200% | 1,186 |
| Equity capital to assets | 9.8262% | 1,915 |
| Core capital (leverage) ratio | 9.8773% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $141,111,500 | 3,510 |
| Average earning assets | $133,641,500 | 3,473 |
| Average equity | $13,758,000 | 3,416 |
| Average total loans | $105,248,000 | 3,146 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 290 |
| Cost of funding earning assets | 0.5674% | 1,031 |
| Net interest margin | 4.4503% | 321 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.3594% | 2,548 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.4674% | 966 |
| Return on assets (ROA) | 1.4674% | 924 |
| Pretax return on assets | 1.9922% | 485 |
| Return on Equity (ROE) | 17.0200% | 859 |
| Retained earnings to average equity (ytd only) | 13.4613% | 457 |
| Net charge-offs to loans | -0.0167% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.9727% | 3,891 |
| Assets per employee ($millions) | 5.2572% | 3,463 |
| Cash dividends to net income (ytd only)* | 20.9302% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 1,466 |
| Loan loss allowance to noncurrent loans | 191.3325% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 921 |
| Noncurrent loans to loans | 0.7367% | 1,019 |
| Net loans and leases to total assets | 72.8800% | 1,326 |
| Net loans and leases to deposits | 80.7403% | 1,719 |
| Net loans and leases to core deposits | 87.7481% | 1,628 |
| Total domestic deposits to total assets | 90.2700% | 1,250 |
| Equity capital to assets | 9.6742% | 1,900 |
| Core capital (leverage) ratio | 9.5237% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $146,522,600 | 3,476 |
| Average earning assets | $138,867,400 | 3,431 |
| Average equity | $12,628,800 | 3,610 |
| Average total loans | $101,558,600 | 3,131 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 441 |
| Cost of funding earning assets | 0.4306% | 1,094 |
| Net interest margin | 4.1502% | 467 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.3747% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3318% | 1,263 |
| Return on assets (ROA) | 1.3318% | 1,239 |
| Pretax return on assets | 1.8031% | 727 |
| Return on Equity (ROE) | 15.9200% | 997 |
| Retained earnings to average equity (ytd only) | 11.0632% | 1,037 |
| Net charge-offs to loans | -0.0172% | 3,938 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.8403% | 3,537 |
| Assets per employee ($millions) | 5.5242% | 3,191 |
| Cash dividends to net income (ytd only)* | 30.5085% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 2,117 |
| Loan loss allowance to noncurrent loans | 157.0581% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 941 |
| Noncurrent loans to loans | 0.8166% | 975 |
| Net loans and leases to total assets | 68.3300% | 1,637 |
| Net loans and leases to deposits | 75.0068% | 1,958 |
| Net loans and leases to core deposits | 80.9606% | 1,835 |
| Total domestic deposits to total assets | 91.1000% | 1,202 |
| Equity capital to assets | 8.7541% | 2,371 |
| Core capital (leverage) ratio | 8.6642% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9362% | 1,728 |
| Memoranda: | ||
| Average total assets | $147,667,000 | 3,493 |
| Average earning assets | $140,261,250 | 3,442 |
| Average equity | $12,353,000 | 3,676 |
| Average total loans | $100,714,750 | 3,147 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 604 |
| Cost of funding earning assets | 0.3840% | 1,028 |
| Net interest margin | 3.8395% | 691 |
| Noninterest income to average assets | 0.2229% | 3,864 |
| Noninterest expense to average assets | 2.3823% | 2,287 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0831% | 1,845 |
| Return on assets (ROA) | 1.0831% | 1,822 |
| Pretax return on assets | 1.4962% | 1,178 |
| Return on Equity (ROE) | 13.1536% | 1,342 |
| Retained earnings to average equity (ytd only) | 5.7269% | 2,422 |
| Net charge-offs to loans | -0.0060% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4226% | 3,120 |
| Assets per employee ($millions) | 5.5080% | 3,218 |
| Cash dividends to net income (ytd only)* | 56.4617% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,390 |
| Loan loss allowance to noncurrent loans | 137.4477% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.6428% | 857 |
| Noncurrent loans to loans | 0.9152% | 913 |
| Net loans and leases to total assets | 69.3579% | 1,362 |
| Net loans and leases to deposits | 75.7632% | 1,700 |
| Net loans and leases to core deposits | 83.5070% | 1,481 |
| Total domestic deposits to total assets | 91.5457% | 1,017 |
| Equity capital to assets | 8.3239% | 2,886 |
| Core capital (leverage) ratio | 8.3925% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,171,667 | 3,529 |
| Average earning assets | $140,121,667 | 3,490 |
| Average equity | $12,118,333 | 3,773 |
| Average total loans | $99,873,667 | 3,191 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 909 |
| Cost of funding earning assets | 0.3915% | 916 |
| Net interest margin | 3.5206% | 1,051 |
| Noninterest income to average assets | 0.1995% | 3,970 |
| Noninterest expense to average assets | 2.2049% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9891% | 1,922 |
| Return on assets (ROA) | 0.9891% | 1,917 |
| Pretax return on assets | 1.3607% | 1,354 |
| Return on Equity (ROE) | 12.0787% | 1,283 |
| Retained earnings to average equity (ytd only) | -2.9363% | 4,308 |
| Net charge-offs to loans | -0.0164% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8391% | 3,281 |
| Assets per employee ($millions) | 6.3003% | 2,555 |
| Cash dividends to net income (ytd only)* | 124.3094% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 2,334 |
| Loan loss allowance to noncurrent loans | 144.9339% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6005% | 985 |
| Noncurrent loans to loans | 0.9010% | 1,026 |
| Net loans and leases to total assets | 65.7763% | 1,432 |
| Net loans and leases to deposits | 71.5671% | 1,816 |
| Net loans and leases to core deposits | 78.5492% | 1,573 |
| Total domestic deposits to total assets | 91.9085% | 612 |
| Equity capital to assets | 7.8991% | 3,645 |
| Core capital (leverage) ratio | 8.3616% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,399,000 | 3,550 |
| Average earning assets | $139,975,000 | 3,502 |
| Average equity | $11,988,000 | 3,866 |
| Average total loans | $97,580,000 | 3,220 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 365 |
| Cost of funding earning assets | 0.4695% | 1,063 |
| Net interest margin | 4.3172% | 391 |
| Noninterest income to average assets | 0.2200% | 4,052 |
| Noninterest expense to average assets | 2.7145% | 1,599 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2063% | 1,902 |
| Return on assets (ROA) | 1.2063% | 1,951 |
| Pretax return on assets | 1.6446% | 1,294 |
| Return on Equity (ROE) | 14.1201% | 1,147 |
| Retained earnings to average equity (ytd only) | 8.4628% | 1,359 |
| Net charge-offs to loans | -0.0033% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2717% | 2,829 |
| Assets per employee ($millions) | 6.1561% | 2,604 |
| Cash dividends to net income (ytd only)* | 40.0654% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 1,951 |
| Loan loss allowance to noncurrent loans | 139.8721% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 978 |
| Noncurrent loans to loans | 0.9938% | 1,000 |
| Net loans and leases to total assets | 65.7342% | 1,502 |
| Net loans and leases to deposits | 73.0305% | 1,809 |
| Net loans and leases to core deposits | 80.8522% | 1,527 |
| Total domestic deposits to total assets | 90.0092% | 953 |
| Equity capital to assets | 8.4978% | 4,051 |
| Core capital (leverage) ratio | 8.6203% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,839,000 | 3,723 |
| Average earning assets | $121,606,600 | 3,669 |
| Average equity | $10,835,600 | 4,055 |
| Average total loans | $91,617,800 | 3,315 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9841% | 307 |
| Cost of funding earning assets | 0.4901% | 1,103 |
| Net interest margin | 4.4939% | 318 |
| Noninterest income to average assets | 0.2274% | 4,043 |
| Noninterest expense to average assets | 2.8073% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2115% | 2,131 |
| Return on assets (ROA) | 1.2115% | 2,186 |
| Pretax return on assets | 1.7182% | 1,368 |
| Return on Equity (ROE) | 14.1599% | 1,349 |
| Retained earnings to average equity (ytd only) | 6.5295% | 2,605 |
| Net charge-offs to loans | -0.0147% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0335% | 2,693 |
| Assets per employee ($millions) | 6.3106% | 2,413 |
| Cash dividends to net income (ytd only)* | 53.8874% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 1,966 |
| Loan loss allowance to noncurrent loans | 126.3410% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.7520% | 963 |
| Noncurrent loans to loans | 1.1196% | 998 |
| Net loans and leases to total assets | 66.2122% | 1,516 |
| Net loans and leases to deposits | 73.5347% | 1,900 |
| Net loans and leases to core deposits | 81.7620% | 1,588 |
| Total domestic deposits to total assets | 90.0421% | 758 |
| Equity capital to assets | 8.3784% | 4,289 |
| Core capital (leverage) ratio | 8.7138% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,151,250 | 3,810 |
| Average earning assets | $117,786,000 | 3,752 |
| Average equity | $10,536,500 | 4,133 |
| Average total loans | $90,926,000 | 3,366 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4177% | 192 |
| Cost of funding earning assets | 0.5251% | 1,070 |
| Net interest margin | 4.8926% | 196 |
| Noninterest income to average assets | 0.2324% | 4,010 |
| Noninterest expense to average assets | 3.0800% | 866 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3517% | 1,700 |
| Return on assets (ROA) | 1.3517% | 1,785 |
| Pretax return on assets | 1.8300% | 1,167 |
| Return on Equity (ROE) | 15.6715% | 1,026 |
| Retained earnings to average equity (ytd only) | 3.8146% | 3,583 |
| Net charge-offs to loans | -0.0155% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7288% | 2,625 |
| Assets per employee ($millions) | 5.9780% | 2,636 |
| Cash dividends to net income (ytd only)* | 75.6587% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 1,943 |
| Loan loss allowance to noncurrent loans | 940.0000% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 3,483 |
| Noncurrent loans to loans | 0.1498% | 3,451 |
| Net loans and leases to total assets | 73.3738% | 819 |
| Net loans and leases to deposits | 81.4833% | 1,277 |
| Net loans and leases to core deposits | 89.7288% | 1,158 |
| Total domestic deposits to total assets | 90.0476% | 751 |
| Equity capital to assets | 8.2119% | 4,427 |
| Core capital (leverage) ratio | 8.6310% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,923,667 | 3,880 |
| Average earning assets | $112,742,333 | 3,827 |
| Average equity | $10,171,333 | 4,180 |
| Average total loans | $90,153,333 | 3,395 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7719% | 141 |
| Cost of funding earning assets | 0.5687% | 1,012 |
| Net interest margin | 5.2031% | 149 |
| Noninterest income to average assets | 0.2173% | 4,091 |
| Noninterest expense to average assets | 2.8077% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7070% | 924 |
| Return on assets (ROA) | 1.7070% | 975 |
| Pretax return on assets | 2.3800% | 533 |
| Return on Equity (ROE) | 19.2824% | 590 |
| Retained earnings to average equity (ytd only) | -0.9899% | 4,465 |
| Net charge-offs to loans | -0.0136% | 3,807 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1216% | 3,769 |
| Assets per employee ($millions) | 5.6438% | 2,973 |
| Cash dividends to net income (ytd only)* | 105.1335% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,824 |
| Loan loss allowance to noncurrent loans | 255.7505% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 2,097 |
| Noncurrent loans to loans | 0.5613% | 2,171 |
| Net loans and leases to total assets | 76.0140% | 630 |
| Net loans and leases to deposits | 85.7381% | 977 |
| Net loans and leases to core deposits | 94.9166% | 929 |
| Total domestic deposits to total assets | 88.6584% | 1,532 |
| Equity capital to assets | 8.5134% | 4,105 |
| Core capital (leverage) ratio | 8.9973% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,116,500 | 3,929 |
| Average earning assets | $109,011,500 | 3,881 |
| Average equity | $10,102,500 | 4,206 |
| Average total loans | $88,516,000 | 3,432 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0160% | 93 |
| Cost of funding earning assets | 0.7692% | 1,349 |
| Net interest margin | 5.2468% | 91 |
| Noninterest income to average assets | 0.2470% | 4,011 |
| Noninterest expense to average assets | 2.8468% | 1,825 |
| Loan and lease loss provision to assets | 0.2345% | 1,661 |
| Net operating income to assets | 1.5245% | 759 |
| Return on assets (ROA) | 1.5245% | 823 |
| Pretax return on assets | 2.1413% | 337 |
| Return on Equity (ROE) | 15.4107% | 579 |
| Retained earnings to average equity (ytd only) | 10.1439% | 558 |
| Net charge-offs to loans | 0.0075% | 3,065 |
| Credit loss provision to net charge-offs | 3,750.0000% | 279 |
| Earnings coverage of net charge-offs (x) | 380.0000% | 288 |
| Efficiency ratio | 54.5092% | 4,158 |
| Assets per employee ($millions) | 5.2245% | 3,125 |
| Cash dividends to net income (ytd only)* | 34.1763% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 1,485 |
| Loan loss allowance to noncurrent loans | 241.5129% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 2,083 |
| Noncurrent loans to loans | 0.6330% | 2,108 |
| Net loans and leases to total assets | 76.8544% | 707 |
| Net loans and leases to deposits | 87.3384% | 1,146 |
| Net loans and leases to core deposits | 97.6186% | 1,027 |
| Total domestic deposits to total assets | 87.9961% | 1,474 |
| Equity capital to assets | 9.2194% | 3,870 |
| Core capital (leverage) ratio | 9.3784% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,967,800 | 4,043 |
| Average earning assets | $91,007,800 | 4,012 |
| Average equity | $9,493,400 | 4,250 |
| Average total loans | $80,343,800 | 3,547 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4434% | 67 |
| Cost of funding earning assets | 0.8193% | 1,401 |
| Net interest margin | 5.6241% | 65 |
| Noninterest income to average assets | 0.2550% | 3,950 |
| Noninterest expense to average assets | 3.0000% | 1,445 |
| Loan and lease loss provision to assets | 0.3242% | 1,206 |
| Net operating income to assets | 1.6657% | 627 |
| Return on assets (ROA) | 1.6657% | 696 |
| Pretax return on assets | 2.2622% | 304 |
| Return on Equity (ROE) | 16.5056% | 492 |
| Retained earnings to average equity (ytd only) | 9.3665% | 886 |
| Net charge-offs to loans | -0.0202% | 4,429 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7013% | 4,182 |
| Assets per employee ($millions) | 5.2132% | 3,002 |
| Cash dividends to net income (ytd only)* | 43.2526% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 1,285 |
| Loan loss allowance to noncurrent loans | 161.0437% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 1,543 |
| Noncurrent loans to loans | 0.9526% | 1,585 |
| Net loans and leases to total assets | 77.8001% | 855 |
| Net loans and leases to deposits | 90.1417% | 1,244 |
| Net loans and leases to core deposits | 100.0188% | 1,161 |
| Total domestic deposits to total assets | 86.3087% | 1,935 |
| Equity capital to assets | 8.9598% | 4,148 |
| Core capital (leverage) ratio | 9.5067% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,531,250 | 4,087 |
| Average earning assets | $87,715,750 | 4,059 |
| Average equity | $9,338,000 | 4,285 |
| Average total loans | $79,022,500 | 3,591 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1616% | 56 |
| Cost of funding earning assets | 0.9089% | 1,334 |
| Net interest margin | 6.2528% | 54 |
| Noninterest income to average assets | 0.2532% | 3,957 |
| Noninterest expense to average assets | 3.2274% | 1,110 |
| Loan and lease loss provision to assets | 0.5179% | 670 |
| Net operating income to assets | 1.7817% | 521 |
| Return on assets (ROA) | 1.7817% | 569 |
| Pretax return on assets | 2.4309% | 239 |
| Return on Equity (ROE) | 16.8609% | 467 |
| Retained earnings to average equity (ytd only) | 5.9688% | 2,096 |
| Net charge-offs to loans | -0.0287% | 4,522 |
| Credit loss provision to net charge-offs | -2,045.4545% | 3,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2549% | 4,336 |
| Assets per employee ($millions) | 4.5760% | 3,686 |
| Cash dividends to net income (ytd only)* | 64.5995% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 1,095 |
| Loan loss allowance to noncurrent loans | 158.6826% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 1,428 |
| Noncurrent loans to loans | 0.9856% | 1,575 |
| Net loans and leases to total assets | 86.7839% | 102 |
| Net loans and leases to deposits | 103.6839% | 390 |
| Net loans and leases to core deposits | 116.3078% | 527 |
| Total domestic deposits to total assets | 83.7005% | 2,850 |
| Equity capital to assets | 9.8090% | 3,356 |
| Core capital (leverage) ratio | 10.1418% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,882,333 | 4,165 |
| Average earning assets | $82,299,667 | 4,138 |
| Average equity | $9,181,000 | 4,322 |
| Average total loans | $76,529,667 | 3,638 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6126% | 76 |
| Cost of funding earning assets | 1.0276% | 1,304 |
| Net interest margin | 5.5850% | 77 |
| Noninterest income to average assets | 0.2625% | 3,967 |
| Noninterest expense to average assets | 3.3059% | 1,216 |
| Loan and lease loss provision to assets | 0.1215% | 2,175 |
| Net operating income to assets | 1.5217% | 743 |
| Return on assets (ROA) | 1.5217% | 811 |
| Pretax return on assets | 2.1197% | 360 |
| Return on Equity (ROE) | 13.8213% | 733 |
| Retained earnings to average equity (ytd only) | -8.2574% | 4,703 |
| Net charge-offs to loans | -0.0331% | 4,506 |
| Credit loss provision to net charge-offs | -416.6667% | 3,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5968% | 3,798 |
| Assets per employee ($millions) | 3.9666% | 3,957 |
| Cash dividends to net income (ytd only)* | 159.7444% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 1,229 |
| Loan loss allowance to noncurrent loans | 190.1528% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 1,898 |
| Noncurrent loans to loans | 0.8086% | 1,989 |
| Net loans and leases to total assets | 86.0983% | 138 |
| Net loans and leases to deposits | 102.3081% | 439 |
| Net loans and leases to core deposits | 117.3413% | 545 |
| Total domestic deposits to total assets | 84.1559% | 2,731 |
| Equity capital to assets | 10.7624% | 3,086 |
| Core capital (leverage) ratio | 11.0864% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,276,000 | 4,233 |
| Average earning assets | $77,851,000 | 4,206 |
| Average equity | $9,058,500 | 4,362 |
| Average total loans | $72,434,500 | 3,716 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7002% | 86 |
| Cost of funding earning assets | 1.2260% | 960 |
| Net interest margin | 5.4742% | 120 |
| Noninterest income to average assets | 0.3461% | 3,637 |
| Noninterest expense to average assets | 3.3430% | 1,222 |
| Loan and lease loss provision to assets | 0.0248% | 3,524 |
| Net operating income to assets | 1.6833% | 685 |
| Return on assets (ROA) | 1.6833% | 731 |
| Pretax return on assets | 2.1460% | 430 |
| Return on Equity (ROE) | 15.9688% | 541 |
| Retained earnings to average equity (ytd only) | 12.4385% | 209 |
| Net charge-offs to loans | 0.0172% | 3,100 |
| Credit loss provision to net charge-offs | 166.6667% | 1,551 |
| Earnings coverage of net charge-offs (x) | 145.8333% | 507 |
| Efficiency ratio | 60.6299% | 3,600 |
| Assets per employee ($millions) | 3.8692% | 4,064 |
| Cash dividends to net income (ytd only)* | 22.1076% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 1,186 |
| Loan loss allowance to noncurrent loans | 123.3032% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.0880% | 1,133 |
| Noncurrent loans to loans | 1.2273% | 1,220 |
| Net loans and leases to total assets | 87.3075% | 108 |
| Net loans and leases to deposits | 99.8620% | 615 |
| Net loans and leases to core deposits | 112.7965% | 725 |
| Total domestic deposits to total assets | 87.4282% | 1,395 |
| Equity capital to assets | 11.2636% | 2,748 |
| Core capital (leverage) ratio | 10.9468% | 2,546 |
| Tier 1 risk-based capital ratio | 13.7875% | 3,374 |
| Total risk-based capital ratio | 15.0409% | 3,275 |
| Memoranda: | ||
| Average total assets | $80,615,600 | 4,272 |
| Average earning assets | $76,102,000 | 4,248 |
| Average equity | $8,497,800 | 4,449 |
| Average total loans | $69,851,000 | 3,781 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6598% | 93 |
| Cost of funding earning assets | 1.2452% | 927 |
| Net interest margin | 5.4146% | 138 |
| Noninterest income to average assets | 0.3646% | 3,535 |
| Noninterest expense to average assets | 3.2928% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6721% | 786 |
| Return on assets (ROA) | 1.6721% | 832 |
| Pretax return on assets | 2.1808% | 469 |
| Return on Equity (ROE) | 16.1418% | 587 |
| Retained earnings to average equity (ytd only) | 11.3425% | 467 |
| Net charge-offs to loans | -0.0058% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1574% | 3,613 |
| Assets per employee ($millions) | 4.0623% | 3,818 |
| Cash dividends to net income (ytd only)* | 29.7324% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 1,048 |
| Loan loss allowance to noncurrent loans | 103.6329% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 1,025 |
| Noncurrent loans to loans | 1.5197% | 991 |
| Net loans and leases to total assets | 79.4134% | 928 |
| Net loans and leases to deposits | 93.6223% | 1,257 |
| Net loans and leases to core deposits | 106.2449% | 1,165 |
| Total domestic deposits to total assets | 84.8232% | 2,488 |
| Equity capital to assets | 10.2581% | 3,769 |
| Core capital (leverage) ratio | 10.5837% | 3,021 |
| Tier 1 risk-based capital ratio | 13.9694% | 3,347 |
| Total risk-based capital ratio | 15.2257% | 3,260 |
| Memoranda: | ||
| Average total assets | $80,456,250 | 4,333 |
| Average earning assets | $75,916,500 | 4,308 |
| Average equity | $8,334,250 | 4,520 |
| Average total loans | $69,306,250 | 3,829 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7236% | 94 |
| Cost of funding earning assets | 1.2640% | 833 |
| Net interest margin | 5.4595% | 133 |
| Noninterest income to average assets | 0.4059% | 3,237 |
| Noninterest expense to average assets | 3.3562% | 1,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7504% | 659 |
| Return on assets (ROA) | 1.7504% | 688 |
| Pretax return on assets | 2.1994% | 445 |
| Return on Equity (ROE) | 16.8389% | 489 |
| Retained earnings to average equity (ytd only) | 9.5176% | 902 |
| Net charge-offs to loans | -0.0317% | 4,704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4110% | 3,666 |
| Assets per employee ($millions) | 3.9687% | 3,909 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 1,171 |
| Loan loss allowance to noncurrent loans | 102.7256% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3405% | 926 |
| Noncurrent loans to loans | 1.4957% | 1,035 |
| Net loans and leases to total assets | 88.2492% | 103 |
| Net loans and leases to deposits | 105.0527% | 376 |
| Net loans and leases to core deposits | 117.4342% | 631 |
| Total domestic deposits to total assets | 84.0046% | 2,860 |
| Equity capital to assets | 10.6245% | 3,409 |
| Core capital (leverage) ratio | 10.8522% | 2,741 |
| Tier 1 risk-based capital ratio | 13.0588% | 3,810 |
| Total risk-based capital ratio | 14.3147% | 3,708 |
| Memoranda: | ||
| Average total assets | $78,839,000 | 4,393 |
| Average earning assets | $74,365,330 | 4,367 |
| Average equity | $8,195,330 | 4,557 |
| Average total loans | $69,465,000 | 3,845 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5858% | 108 |
| Cost of funding earning assets | 1.2436% | 786 |
| Net interest margin | 5.3422% | 163 |
| Noninterest income to average assets | 0.5295% | 2,385 |
| Noninterest expense to average assets | 3.2225% | 1,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8785% | 474 |
| Return on assets (ROA) | 1.8785% | 492 |
| Pretax return on assets | 2.3367% | 333 |
| Return on Equity (ROE) | 18.2752% | 375 |
| Retained earnings to average equity (ytd only) | 3.4173% | 3,550 |
| Net charge-offs to loans | -0.0350% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9670% | 4,080 |
| Assets per employee ($millions) | 4.3368% | 3,438 |
| Cash dividends to net income (ytd only)* | 81.3008% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 1,145 |
| Loan loss allowance to noncurrent loans | 124.3429% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 1,228 |
| Noncurrent loans to loans | 1.2580% | 1,308 |
| Net loans and leases to total assets | 87.7048% | 111 |
| Net loans and leases to deposits | 102.5708% | 468 |
| Net loans and leases to core deposits | 116.5044% | 635 |
| Total domestic deposits to total assets | 85.5066% | 2,479 |
| Equity capital to assets | 10.3903% | 3,429 |
| Core capital (leverage) ratio | 10.4355% | 3,125 |
| Tier 1 risk-based capital ratio | 12.7807% | 3,990 |
| Total risk-based capital ratio | 14.0365% | 3,889 |
| Memoranda: | ||
| Average total assets | $78,572,000 | 4,443 |
| Average earning assets | $73,977,000 | 4,416 |
| Average equity | $8,076,500 | 4,611 |
| Average total loans | $68,628,000 | 3,899 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4004% | 100 |
| Cost of funding earning assets | 1.0584% | 584 |
| Net interest margin | 5.3420% | 146 |
| Noninterest income to average assets | 0.2638% | 4,351 |
| Noninterest expense to average assets | 3.3568% | 1,214 |
| Loan and lease loss provision to assets | 0.0656% | 2,839 |
| Net operating income to assets | 1.4908% | 1,145 |
| Return on assets (ROA) | 1.4908% | 1,133 |
| Pretax return on assets | 1.8753% | 758 |
| Return on Equity (ROE) | 14.9671% | 838 |
| Retained earnings to average equity (ytd only) | 5.7444% | 2,328 |
| Net charge-offs to loans | -0.0316% | 4,828 |
| Credit loss provision to net charge-offs | -238.0952% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3639% | 3,278 |
| Assets per employee ($millions) | 4.6518% | 2,958 |
| Cash dividends to net income (ytd only)* | 61.6197% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 1,041 |
| Loan loss allowance to noncurrent loans | 266.2562% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 2,539 |
| Noncurrent loans to loans | 0.5997% | 2,484 |
| Net loans and leases to total assets | 84.2453% | 396 |
| Net loans and leases to deposits | 98.0067% | 903 |
| Net loans and leases to core deposits | 107.1024% | 1,185 |
| Total domestic deposits to total assets | 85.9587% | 2,253 |
| Equity capital to assets | 10.1693% | 3,508 |
| Core capital (leverage) ratio | 9.9424% | 3,659 |
| Tier 1 risk-based capital ratio | 13.1433% | 3,763 |
| Total risk-based capital ratio | 14.4001% | 3,644 |
| Memoranda: | ||
| Average total assets | $76,203,000 | 4,497 |
| Average earning assets | $71,808,200 | 4,460 |
| Average equity | $7,590,000 | 4,663 |
| Average total loans | $66,469,600 | 3,950 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3019% | 108 |
| Cost of funding earning assets | 1.0166% | 555 |
| Net interest margin | 5.2854% | 152 |
| Noninterest income to average assets | 0.2791% | 4,278 |
| Noninterest expense to average assets | 3.3896% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3565% | 1,634 |
| Return on assets (ROA) | 1.3565% | 1,644 |
| Pretax return on assets | 1.8670% | 866 |
| Return on Equity (ROE) | 13.6949% | 1,205 |
| Retained earnings to average equity (ytd only) | 1.6584% | 4,686 |
| Net charge-offs to loans | -0.0363% | 4,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4825% | 3,106 |
| Assets per employee ($millions) | 4.8404% | 2,669 |
| Cash dividends to net income (ytd only)* | 87.8912% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,391 |
| Loan loss allowance to noncurrent loans | 237.0968% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 2,633 |
| Noncurrent loans to loans | 0.6268% | 2,522 |
| Net loans and leases to total assets | 82.8999% | 573 |
| Net loans and leases to deposits | 95.5687% | 1,201 |
| Net loans and leases to core deposits | 103.5443% | 1,486 |
| Total domestic deposits to total assets | 86.7438% | 1,850 |
| Equity capital to assets | 9.3576% | 4,220 |
| Core capital (leverage) ratio | 9.5674% | 4,094 |
| Tier 1 risk-based capital ratio | 12.3135% | 4,312 |
| Total risk-based capital ratio | 13.5688% | 4,195 |
| Memoranda: | ||
| Average total assets | $75,483,500 | 4,549 |
| Average earning assets | $71,087,750 | 4,520 |
| Average equity | $7,477,000 | 4,729 |
| Average total loans | $66,161,250 | 3,991 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2823% | 99 |
| Cost of funding earning assets | 0.9710% | 536 |
| Net interest margin | 5.3113% | 144 |
| Noninterest income to average assets | 0.2814% | 4,301 |
| Noninterest expense to average assets | 3.4856% | 1,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3330% | 1,653 |
| Return on assets (ROA) | 1.3330% | 1,661 |
| Pretax return on assets | 1.7865% | 995 |
| Return on Equity (ROE) | 13.1844% | 1,306 |
| Retained earnings to average equity (ytd only) | -5.0522% | 5,296 |
| Net charge-offs to loans | -0.0399% | 4,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1140% | 2,957 |
| Assets per employee ($millions) | 4.8344% | 2,639 |
| Cash dividends to net income (ytd only)* | 138.3197% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 1,448 |
| Loan loss allowance to noncurrent loans | 223.3624% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 2,454 |
| Noncurrent loans to loans | 0.6644% | 2,451 |
| Net loans and leases to total assets | 87.7933% | 147 |
| Net loans and leases to deposits | 103.1973% | 576 |
| Net loans and leases to core deposits | 110.1972% | 988 |
| Total domestic deposits to total assets | 85.0732% | 2,642 |
| Equity capital to assets | 9.5913% | 4,011 |
| Core capital (leverage) ratio | 9.8887% | 3,695 |
| Tier 1 risk-based capital ratio | 11.8518% | 4,588 |
| Total risk-based capital ratio | 13.1059% | 4,468 |
| Memoranda: | ||
| Average total assets | $73,216,000 | 4,633 |
| Average earning assets | $68,796,330 | 4,609 |
| Average equity | $7,402,670 | 4,786 |
| Average total loans | $65,133,670 | 4,038 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1783% | 109 |
| Cost of funding earning assets | 0.9177% | 547 |
| Net interest margin | 5.2606% | 149 |
| Noninterest income to average assets | 0.2586% | 4,449 |
| Noninterest expense to average assets | 3.9129% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2762% | 1,727 |
| Return on assets (ROA) | 1.2762% | 1,732 |
| Pretax return on assets | 1.2762% | 2,453 |
| Return on Equity (ROE) | 12.2794% | 1,483 |
| Retained earnings to average equity (ytd only) | -22.8819% | 5,526 |
| Net charge-offs to loans | -0.0696% | 5,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4063% | 1,692 |
| Assets per employee ($millions) | 4.5484% | 3,073 |
| Cash dividends to net income (ytd only)* | 286.3436% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 1,211 |
| Loan loss allowance to noncurrent loans | 210.9504% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 2,332 |
| Noncurrent loans to loans | 0.7487% | 2,339 |
| Net loans and leases to total assets | 87.4311% | 167 |
| Net loans and leases to deposits | 103.6101% | 501 |
| Net loans and leases to core deposits | 108.3362% | 1,100 |
| Total domestic deposits to total assets | 84.3847% | 3,155 |
| Equity capital to assets | 9.8701% | 3,731 |
| Core capital (leverage) ratio | 10.0929% | 3,432 |
| Tier 1 risk-based capital ratio | 12.3180% | 4,367 |
| Total risk-based capital ratio | 13.5750% | 4,256 |
| Memoranda: | ||
| Average total assets | $71,148,500 | 4,718 |
| Average earning assets | $66,685,000 | 4,701 |
| Average equity | $7,394,500 | 4,837 |
| Average total loans | $63,234,500 | 4,122 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9968% | 135 |
| Cost of funding earning assets | 0.6585% | 1,254 |
| Net interest margin | 5.3384% | 135 |
| Noninterest income to average assets | 0.4320% | 3,424 |
| Noninterest expense to average assets | 3.6869% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7369% | 486 |
| Return on assets (ROA) | 1.7369% | 499 |
| Pretax return on assets | 1.7369% | 922 |
| Return on Equity (ROE) | 16.6502% | 424 |
| Retained earnings to average equity (ytd only) | 9.6070% | 405 |
| Net charge-offs to loans | 0.1178% | 1,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 17.1304% | 2,146 |
| Efficiency ratio | 67.9762% | 2,901 |
| Assets per employee ($millions) | 4.3451% | 3,424 |
| Cash dividends to net income (ytd only)* | 42.3012% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 1,062 |
| Loan loss allowance to noncurrent loans | 202.2000% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 2,173 |
| Noncurrent loans to loans | 0.8088% | 2,191 |
| Net loans and leases to total assets | 87.4673% | 164 |
| Net loans and leases to deposits | 103.2762% | 534 |
| Net loans and leases to core deposits | 110.1034% | 994 |
| Total domestic deposits to total assets | 84.6926% | 2,950 |
| Equity capital to assets | 10.9404% | 2,688 |
| Core capital (leverage) ratio | 10.6011% | 2,738 |
| Tier 1 risk-based capital ratio | 13.7875% | 3,476 |
| Total risk-based capital ratio | 15.0437% | 3,389 |
| Memoranda: | ||
| Average total assets | $68,051,600 | 4,811 |
| Average earning assets | $63,633,800 | 4,794 |
| Average equity | $7,099,000 | 4,924 |
| Average total loans | $58,555,200 | 4,237 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8872% | 149 |
| Cost of funding earning assets | 0.6459% | 1,265 |
| Net interest margin | 5.2413% | 157 |
| Noninterest income to average assets | 0.4905% | 3,083 |
| Noninterest expense to average assets | 3.6620% | 801 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7355% | 545 |
| Return on assets (ROA) | 1.7355% | 555 |
| Pretax return on assets | 1.7355% | 1,034 |
| Return on Equity (ROE) | 16.8474% | 451 |
| Retained earnings to average equity (ytd only) | 7.2859% | 1,544 |
| Net charge-offs to loans | -0.0116% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8467% | 2,898 |
| Assets per employee ($millions) | 4.4869% | 3,173 |
| Cash dividends to net income (ytd only)* | 56.7536% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 866 |
| Loan loss allowance to noncurrent loans | 257.7197% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 2,754 |
| Noncurrent loans to loans | 0.6952% | 2,620 |
| Net loans and leases to total assets | 82.8458% | 566 |
| Net loans and leases to deposits | 95.4073% | 1,165 |
| Net loans and leases to core deposits | 100.8974% | 1,633 |
| Total domestic deposits to total assets | 86.8338% | 1,941 |
| Equity capital to assets | 10.1755% | 3,718 |
| Core capital (leverage) ratio | 10.1687% | 3,355 |
| Tier 1 risk-based capital ratio | 13.5745% | 3,655 |
| Total risk-based capital ratio | 14.8344% | 3,572 |
| Memoranda: | ||
| Average total assets | $67,684,000 | 4,867 |
| Average earning assets | $63,367,250 | 4,848 |
| Average equity | $6,972,250 | 5,000 |
| Average total loans | $57,739,000 | 4,293 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7986% | 168 |
| Cost of funding earning assets | 0.6303% | 1,263 |
| Net interest margin | 5.1683% | 169 |
| Noninterest income to average assets | 0.5821% | 2,548 |
| Noninterest expense to average assets | 3.6492% | 820 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7553% | 497 |
| Return on assets (ROA) | 1.7553% | 506 |
| Pretax return on assets | 1.7553% | 935 |
| Return on Equity (ROE) | 16.9646% | 415 |
| Retained earnings to average equity (ytd only) | 2.3902% | 4,249 |
| Net charge-offs to loans | -0.0141% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5223% | 3,091 |
| Assets per employee ($millions) | 4.7497% | 2,724 |
| Cash dividends to net income (ytd only)* | 85.9107% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 945 |
| Loan loss allowance to noncurrent loans | 245.0226% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 2,706 |
| Noncurrent loans to loans | 0.7221% | 2,583 |
| Net loans and leases to total assets | 84.3947% | 401 |
| Net loans and leases to deposits | 96.7216% | 1,005 |
| Net loans and leases to core deposits | 103.3572% | 1,408 |
| Total domestic deposits to total assets | 87.2552% | 1,830 |
| Equity capital to assets | 9.8337% | 4,101 |
| Core capital (leverage) ratio | 10.4514% | 2,976 |
| Tier 1 risk-based capital ratio | 12.9255% | 4,051 |
| Total risk-based capital ratio | 14.1856% | 3,960 |
| Memoranda: | ||
| Average total assets | $66,315,330 | 4,927 |
| Average earning assets | $61,877,000 | 4,903 |
| Average equity | $6,861,330 | 5,043 |
| Average total loans | $56,798,670 | 4,339 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6733% | 189 |
| Cost of funding earning assets | 0.6244% | 1,218 |
| Net interest margin | 5.0489% | 208 |
| Noninterest income to average assets | 0.5137% | 2,885 |
| Noninterest expense to average assets | 3.7838% | 692 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4409% | 910 |
| Return on assets (ROA) | 1.4409% | 938 |
| Pretax return on assets | 1.4409% | 1,728 |
| Return on Equity (ROE) | 13.5513% | 892 |
| Retained earnings to average equity (ytd only) | -15.9081% | 5,680 |
| Net charge-offs to loans | -0.0147% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4221% | 2,501 |
| Assets per employee ($millions) | 4.3371% | 3,441 |
| Cash dividends to net income (ytd only)* | 217.3913% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9118% | 771 |
| Loan loss allowance to noncurrent loans | 132.3133% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.4787% | 1,100 |
| Noncurrent loans to loans | 1.4449% | 1,393 |
| Net loans and leases to total assets | 85.2558% | 266 |
| Net loans and leases to deposits | 95.0768% | 1,003 |
| Net loans and leases to core deposits | 102.9934% | 1,293 |
| Total domestic deposits to total assets | 89.6704% | 813 |
| Equity capital to assets | 10.2281% | 3,485 |
| Core capital (leverage) ratio | 10.4003% | 3,009 |
| Tier 1 risk-based capital ratio | 13.3253% | 3,871 |
| Total risk-based capital ratio | 14.5870% | 3,783 |
| Memoranda: | ||
| Average total assets | $63,850,500 | 5,036 |
| Average earning assets | $59,577,000 | 5,011 |
| Average equity | $6,789,000 | 5,102 |
| Average total loans | $54,593,000 | 4,437 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8277% | 158 |
| Cost of funding earning assets | 0.5929% | 1,390 |
| Net interest margin | 5.2348% | 161 |
| Noninterest income to average assets | 0.1855% | 5,285 |
| Noninterest expense to average assets | 3.6118% | 1,000 |
| Loan and lease loss provision to assets | -0.1952% | 5,782 |
| Net operating income to assets | 1.6383% | 629 |
| Return on assets (ROA) | 1.6383% | 652 |
| Pretax return on assets | 1.6383% | 1,169 |
| Return on Equity (ROE) | 15.2728% | 593 |
| Retained earnings to average equity (ytd only) | 8.4478% | 718 |
| Net charge-offs to loans | -0.4545% | 5,828 |
| Credit loss provision to net charge-offs | 51.5021% | 3,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4516% | 2,677 |
| Assets per employee ($millions) | 4.1763% | 3,656 |
| Cash dividends to net income (ytd only)* | 44.6872% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0497% | 599 |
| Loan loss allowance to noncurrent loans | 129.2216% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.9379% | 721 |
| Noncurrent loans to loans | 1.5862% | 1,243 |
| Net loans and leases to total assets | 82.3082% | 565 |
| Net loans and leases to deposits | 92.5709% | 1,363 |
| Net loans and leases to core deposits | 101.5380% | 1,483 |
| Total domestic deposits to total assets | 88.9137% | 1,157 |
| Equity capital to assets | 11.0528% | 2,589 |
| Core capital (leverage) ratio | 10.9227% | 2,420 |
| Tier 1 risk-based capital ratio | 14.9160% | 3,002 |
| Total risk-based capital ratio | 16.1784% | 2,938 |
| Memoranda: | ||
| Average total assets | $61,464,800 | 5,106 |
| Average earning assets | $57,174,800 | 5,098 |
| Average equity | $6,593,400 | 5,169 |
| Average total loans | $51,266,400 | 4,543 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8208% | 158 |
| Cost of funding earning assets | 0.5854% | 1,451 |
| Net interest margin | 5.2354% | 161 |
| Noninterest income to average assets | 0.1547% | 5,497 |
| Noninterest expense to average assets | 3.6902% | 864 |
| Loan and lease loss provision to assets | -0.2180% | 5,875 |
| Net operating income to assets | 1.5563% | 790 |
| Return on assets (ROA) | 1.5563% | 829 |
| Pretax return on assets | 1.5563% | 1,519 |
| Return on Equity (ROE) | 14.6217% | 715 |
| Retained earnings to average equity (ytd only) | 5.4063% | 2,547 |
| Net charge-offs to loans | -0.6074% | 5,901 |
| Credit loss provision to net charge-offs | 43.1034% | 3,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3853% | 2,383 |
| Assets per employee ($millions) | 4.3170% | 3,388 |
| Cash dividends to net income (ytd only)* | 63.0255% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0622% | 649 |
| Loan loss allowance to noncurrent loans | 212.3791% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 1.3682% | 1,369 |
| Noncurrent loans to loans | 0.9710% | 2,298 |
| Net loans and leases to total assets | 80.5297% | 812 |
| Net loans and leases to deposits | 89.9226% | 1,765 |
| Net loans and leases to core deposits | 98.6064% | 1,758 |
| Total domestic deposits to total assets | 89.5545% | 648 |
| Equity capital to assets | 10.2401% | 3,867 |
| Core capital (leverage) ratio | 10.6258% | 2,850 |
| Tier 1 risk-based capital ratio | 13.9324% | 3,594 |
| Total risk-based capital ratio | 15.1952% | 3,513 |
| Memoranda: | ||
| Average total assets | $61,169,750 | 5,161 |
| Average earning assets | $56,944,000 | 5,152 |
| Average equity | $6,510,750 | 5,235 |
| Average total loans | $50,922,750 | 4,588 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8694% | 147 |
| Cost of funding earning assets | 0.5855% | 1,429 |
| Net interest margin | 5.2839% | 151 |
| Noninterest income to average assets | 0.4202% | 3,741 |
| Noninterest expense to average assets | 3.6649% | 923 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6607% | 629 |
| Return on assets (ROA) | 1.6607% | 668 |
| Pretax return on assets | 1.6607% | 1,192 |
| Return on Equity (ROE) | 15.3925% | 624 |
| Retained earnings to average equity (ytd only) | 1.4836% | 4,785 |
| Net charge-offs to loans | 0.0080% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 249.0000% | 268 |
| Efficiency ratio | 68.8165% | 3,186 |
| Assets per employee ($millions) | 4.0597% | 3,798 |
| Cash dividends to net income (ytd only)* | 90.3614% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8439% | 996 |
| Loan loss allowance to noncurrent loans | 165.7487% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.7062% | 1,048 |
| Noncurrent loans to loans | 1.1125% | 2,069 |
| Net loans and leases to total assets | 84.1810% | 406 |
| Net loans and leases to deposits | 94.2420% | 1,269 |
| Net loans and leases to core deposits | 104.0832% | 1,313 |
| Total domestic deposits to total assets | 89.3242% | 752 |
| Equity capital to assets | 10.5329% | 3,601 |
| Core capital (leverage) ratio | 10.4357% | 3,033 |
| Tier 1 risk-based capital ratio | 13.6219% | 3,821 |
| Total risk-based capital ratio | 14.8813% | 3,737 |
| Memoranda: | ||
| Average total assets | $59,974,670 | 5,240 |
| Average earning assets | $55,679,000 | 5,225 |
| Average equity | $6,470,670 | 5,291 |
| Average total loans | $50,148,670 | 4,639 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7548% | 172 |
| Cost of funding earning assets | 0.5660% | 1,572 |
| Net interest margin | 5.1888% | 182 |
| Noninterest income to average assets | 0.4906% | 3,192 |
| Noninterest expense to average assets | 3.5218% | 1,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7744% | 488 |
| Return on assets (ROA) | 1.7744% | 521 |
| Pretax return on assets | 1.7744% | 890 |
| Return on Equity (ROE) | 16.2487% | 509 |
| Retained earnings to average equity (ytd only) | 16.2487% | 185 |
| Net charge-offs to loans | -0.0081% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4975% | 3,719 |
| Assets per employee ($millions) | 4.3606% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9081% | 958 |
| Loan loss allowance to noncurrent loans | 120.3980% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 2.0656% | 827 |
| Noncurrent loans to loans | 1.5849% | 1,467 |
| Net loans and leases to total assets | 81.5116% | 626 |
| Net loans and leases to deposits | 91.5534% | 1,398 |
| Net loans and leases to core deposits | 99.3849% | 1,529 |
| Total domestic deposits to total assets | 89.0318% | 1,083 |
| Equity capital to assets | 10.8618% | 3,099 |
| Core capital (leverage) ratio | 11.3001% | 2,137 |
| Tier 1 risk-based capital ratio | 14.7009% | 3,288 |
| Total risk-based capital ratio | 15.9624% | 3,225 |
| Memoranda: | ||
| Average total assets | $59,514,500 | 5,298 |
| Average earning assets | $55,119,000 | 5,295 |
| Average equity | $6,499,000 | 5,319 |
| Average total loans | $49,110,500 | 4,702 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8934% | 147 |
| Cost of funding earning assets | 0.6447% | 1,101 |
| Net interest margin | 5.2487% | 173 |
| Noninterest income to average assets | 0.9521% | 1,315 |
| Noninterest expense to average assets | 3.4268% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.2429% | 229 |
| Return on assets (ROA) | 2.2429% | 237 |
| Pretax return on assets | 2.2429% | 316 |
| Return on Equity (ROE) | 21.6181% | 189 |
| Retained earnings to average equity (ytd only) | 17.3220% | 87 |
| Net charge-offs to loans | 0.2246% | 1,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 2,476 |
| Efficiency ratio | 60.4403% | 4,854 |
| Assets per employee ($millions) | 4.1414% | 3,677 |
| Cash dividends to net income (ytd only)* | 19.8728% | 3,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0341% | 760 |
| Loan loss allowance to noncurrent loans | 118.8192% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 2.3456% | 683 |
| Noncurrent loans to loans | 1.7119% | 1,321 |
| Net loans and leases to total assets | 80.2432% | 815 |
| Net loans and leases to deposits | 90.1875% | 1,587 |
| Net loans and leases to core deposits | 96.0427% | 1,848 |
| Total domestic deposits to total assets | 88.9738% | 1,127 |
| Equity capital to assets | 10.9814% | 2,843 |
| Core capital (leverage) ratio | 10.6971% | 2,712 |
| Tier 1 risk-based capital ratio | 15.0677% | 3,145 |
| Total risk-based capital ratio | 16.3314% | 3,072 |
| Memoranda: | ||
| Average total assets | $56,087,600 | 5,405 |
| Average earning assets | $50,412,600 | 5,427 |
| Average equity | $5,819,200 | 5,478 |
| Average total loans | $45,415,600 | 4,817 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9083% | 150 |
| Cost of funding earning assets | 0.6502% | 1,091 |
| Net interest margin | 5.2581% | 172 |
| Noninterest income to average assets | 1.2131% | 816 |
| Noninterest expense to average assets | 3.4331% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.4717% | 163 |
| Return on assets (ROA) | 2.4717% | 172 |
| Pretax return on assets | 2.4717% | 248 |
| Return on Equity (ROE) | 24.1916% | 127 |
| Retained earnings to average equity (ytd only) | 18.3257% | 85 |
| Net charge-offs to loans | 0.2079% | 1,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 14.7287% | 2,233 |
| Efficiency ratio | 58.1405% | 5,105 |
| Assets per employee ($millions) | 4.7155% | 2,673 |
| Cash dividends to net income (ytd only)* | 24.2487% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0570% | 837 |
| Loan loss allowance to noncurrent loans | 104.1710% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 2.4812% | 704 |
| Noncurrent loans to loans | 1.9746% | 1,177 |
| Net loans and leases to total assets | 77.5974% | 1,164 |
| Net loans and leases to deposits | 86.4276% | 2,097 |
| Net loans and leases to core deposits | 92.0968% | 2,252 |
| Total domestic deposits to total assets | 89.7832% | 662 |
| Equity capital to assets | 10.0161% | 4,129 |
| Core capital (leverage) ratio | 10.4045% | 3,162 |
| Tier 1 risk-based capital ratio | 14.1778% | 3,741 |
| Total risk-based capital ratio | 15.4386% | 3,672 |
| Memoranda: | ||
| Average total assets | $55,614,500 | 5,483 |
| Average earning assets | $49,623,500 | 5,513 |
| Average equity | $5,682,250 | 5,577 |
| Average total loans | $44,896,750 | 4,883 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8927% | 149 |
| Cost of funding earning assets | 0.6669% | 1,013 |
| Net interest margin | 5.2258% | 179 |
| Noninterest income to average assets | 0.9419% | 1,329 |
| Noninterest expense to average assets | 3.4811% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.0700% | 322 |
| Return on assets (ROA) | 2.0700% | 337 |
| Pretax return on assets | 2.0700% | 518 |
| Return on Equity (ROE) | 20.1097% | 258 |
| Retained earnings to average equity (ytd only) | 11.0676% | 500 |
| Net charge-offs to loans | 0.4122% | 626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.1778% | 2,815 |
| Efficiency ratio | 62.7096% | 4,559 |
| Assets per employee ($millions) | 4.3501% | 3,211 |
| Cash dividends to net income (ytd only)* | 44.9640% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1122% | 842 |
| Loan loss allowance to noncurrent loans | 99.3902% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 3.8602% | 352 |
| Noncurrent loans to loans | 2.1251% | 1,131 |
| Net loans and leases to total assets | 80.1489% | 782 |
| Net loans and leases to deposits | 89.1856% | 1,693 |
| Net loans and leases to core deposits | 96.6954% | 1,742 |
| Total domestic deposits to total assets | 89.8676% | 718 |
| Equity capital to assets | 10.0175% | 4,018 |
| Core capital (leverage) ratio | 10.3901% | 3,093 |
| Tier 1 risk-based capital ratio | 13.6057% | 4,157 |
| Total risk-based capital ratio | 14.8714% | 4,074 |
| Memoranda: | ||
| Average total assets | $53,719,000 | 5,600 |
| Average earning assets | $47,380,330 | 5,625 |
| Average equity | $5,529,670 | 5,657 |
| Average total loans | $43,673,330 | 4,959 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8691% | 154 |
| Cost of funding earning assets | 0.6725% | 986 |
| Net interest margin | 5.1966% | 176 |
| Noninterest income to average assets | 0.3365% | 4,499 |
| Noninterest expense to average assets | 3.3191% | 1,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5678% | 755 |
| Return on assets (ROA) | 1.5678% | 792 |
| Pretax return on assets | 1.5678% | 1,353 |
| Return on Equity (ROE) | 15.0128% | 709 |
| Retained earnings to average equity (ytd only) | 15.0128% | 284 |
| Net charge-offs to loans | -0.0094% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9186% | 3,839 |
| Assets per employee ($millions) | 4.0535% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4606% | 559 |
| Loan loss allowance to noncurrent loans | 70.2827% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 6.6248% | 144 |
| Noncurrent loans to loans | 3.5010% | 551 |
| Net loans and leases to total assets | 80.4160% | 644 |
| Net loans and leases to deposits | 90.0085% | 1,395 |
| Net loans and leases to core deposits | 95.4629% | 1,653 |
| Total domestic deposits to total assets | 89.3426% | 1,073 |
| Equity capital to assets | 10.5606% | 3,470 |
| Core capital (leverage) ratio | 10.5958% | 2,853 |
| Tier 1 risk-based capital ratio | 14.2831% | 3,836 |
| Total risk-based capital ratio | 15.5510% | 3,752 |
| Memoranda: | ||
| Average total assets | $52,303,000 | 5,679 |
| Average earning assets | $45,799,000 | 5,712 |
| Average equity | $5,462,000 | 5,725 |
| Average total loans | $42,358,500 | 5,053 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2162% | 120 |
| Cost of funding earning assets | 0.6854% | 1,177 |
| Net interest margin | 5.5309% | 130 |
| Noninterest income to average assets | 0.3985% | 4,189 |
| Noninterest expense to average assets | 3.6071% | 1,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4843% | 903 |
| Return on assets (ROA) | 1.4843% | 946 |
| Pretax return on assets | 1.4843% | 1,603 |
| Return on Equity (ROE) | 14.6698% | 832 |
| Retained earnings to average equity (ytd only) | 14.6698% | 156 |
| Net charge-offs to loans | -0.2993% | 6,332 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8466% | 3,402 |
| Assets per employee ($millions) | 3.9931% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5901% | 491 |
| Loan loss allowance to noncurrent loans | 92.6343% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 7.7788% | 122 |
| Noncurrent loans to loans | 2.7961% | 843 |
| Net loans and leases to total assets | 77.4475% | 1,079 |
| Net loans and leases to deposits | 86.4079% | 1,923 |
| Net loans and leases to core deposits | 93.9322% | 1,931 |
| Total domestic deposits to total assets | 89.6301% | 909 |
| Equity capital to assets | 10.3236% | 3,695 |
| Core capital (leverage) ratio | 10.4109% | 3,049 |
| Tier 1 risk-based capital ratio | 14.0797% | 4,039 |
| Total risk-based capital ratio | 15.3381% | 3,958 |
| Memoranda: | ||
| Average total assets | $49,181,000 | 5,804 |
| Average earning assets | $41,729,400 | 5,882 |
| Average equity | $4,976,200 | 5,855 |
| Average total loans | $37,755,600 | 5,269 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2249% | 121 |
| Cost of funding earning assets | 0.6891% | 1,203 |
| Net interest margin | 5.5358% | 130 |
| Noninterest income to average assets | 0.4261% | 4,053 |
| Noninterest expense to average assets | 3.5986% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5093% | 921 |
| Return on assets (ROA) | 1.5093% | 953 |
| Pretax return on assets | 1.5093% | 1,620 |
| Return on Equity (ROE) | 14.9981% | 828 |
| Retained earnings to average equity (ytd only) | 14.9981% | 206 |
| Net charge-offs to loans | 0.0976% | 2,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 20.3328% | 1,742 |
| Efficiency ratio | 70.4521% | 3,432 |
| Assets per employee ($millions) | 3.9251% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3771% | 755 |
| Loan loss allowance to noncurrent loans | 50.2162% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 9.3462% | 108 |
| Noncurrent loans to loans | 4.7338% | 402 |
| Net loans and leases to total assets | 74.7697% | 1,400 |
| Net loans and leases to deposits | 83.4142% | 2,235 |
| Net loans and leases to core deposits | 90.8165% | 2,142 |
| Total domestic deposits to total assets | 89.6367% | 919 |
| Equity capital to assets | 10.1478% | 3,994 |
| Core capital (leverage) ratio | 10.3467% | 3,219 |
| Tier 1 risk-based capital ratio | 14.2515% | 4,049 |
| Total risk-based capital ratio | 15.5093% | 3,969 |
| Memoranda: | ||
| Average total assets | $48,498,750 | 5,891 |
| Average earning assets | $41,017,000 | 5,964 |
| Average equity | $4,880,500 | 5,945 |
| Average total loans | $36,876,500 | 5,349 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8485% | 177 |
| Cost of funding earning assets | 0.6974% | 1,200 |
| Net interest margin | 5.1511% | 216 |
| Noninterest income to average assets | 0.5288% | 3,279 |
| Noninterest expense to average assets | 3.5462% | 1,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3220% | 1,245 |
| Return on assets (ROA) | 1.3220% | 1,298 |
| Pretax return on assets | 1.3220% | 2,180 |
| Return on Equity (ROE) | 13.1763% | 1,127 |
| Retained earnings to average equity (ytd only) | 13.1763% | 326 |
| Net charge-offs to loans | 0.0941% | 2,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 18.5294% | 1,678 |
| Efficiency ratio | 72.8448% | 3,188 |
| Assets per employee ($millions) | 3.7522% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5302% | 685 |
| Loan loss allowance to noncurrent loans | 56.7372% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 10.0496% | 99 |
| Noncurrent loans to loans | 4.4596% | 498 |
| Net loans and leases to total assets | 74.1564% | 1,420 |
| Net loans and leases to deposits | 82.6600% | 2,173 |
| Net loans and leases to core deposits | 89.1024% | 2,203 |
| Total domestic deposits to total assets | 89.7126% | 960 |
| Equity capital to assets | 10.1357% | 3,926 |
| Core capital (leverage) ratio | 10.3720% | 3,113 |
| Tier 1 risk-based capital ratio | 13.3973% | 4,651 |
| Total risk-based capital ratio | 14.6628% | 4,588 |
| Memoranda: | ||
| Average total assets | $47,656,330 | 5,966 |
| Average earning assets | $40,147,000 | 6,039 |
| Average equity | $4,781,330 | 6,017 |
| Average total loans | $36,141,670 | 5,416 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7959% | 191 |
| Cost of funding earning assets | 0.7056% | 1,212 |
| Net interest margin | 5.0903% | 227 |
| Noninterest income to average assets | 0.3143% | 4,850 |
| Noninterest expense to average assets | 3.3889% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2146% | 1,446 |
| Return on assets (ROA) | 1.2146% | 1,503 |
| Pretax return on assets | 1.2146% | 2,424 |
| Return on Equity (ROE) | 12.1702% | 1,373 |
| Retained earnings to average equity (ytd only) | 12.1702% | 587 |
| Net charge-offs to loans | 0.1346% | 1,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.9167% | 1,747 |
| Efficiency ratio | 73.6162% | 3,214 |
| Assets per employee ($millions) | 3.6572% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5842% | 725 |
| Loan loss allowance to noncurrent loans | 46.8254% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 11.0700% | 91 |
| Noncurrent loans to loans | 5.5189% | 359 |
| Net loans and leases to total assets | 74.8480% | 1,141 |
| Net loans and leases to deposits | 83.2982% | 1,907 |
| Net loans and leases to core deposits | 90.7595% | 1,847 |
| Total domestic deposits to total assets | 89.8555% | 1,150 |
| Equity capital to assets | 10.0351% | 3,805 |
| Core capital (leverage) ratio | 10.1370% | 3,375 |
| Tier 1 risk-based capital ratio | 13.1592% | 4,918 |
| Total risk-based capital ratio | 14.4252% | 4,841 |
| Memoranda: | ||
| Average total assets | $47,095,500 | 6,037 |
| Average earning assets | $39,683,500 | 6,108 |
| Average equity | $4,700,000 | 6,071 |
| Average total loans | $35,657,000 | 5,476 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6756% | 276 |
| Cost of funding earning assets | 0.7582% | 1,453 |
| Net interest margin | 4.9174% | 349 |
| Noninterest income to average assets | 0.8909% | 1,711 |
| Noninterest expense to average assets | 3.6698% | 1,337 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2879% | 1,279 |
| Return on assets (ROA) | 1.2879% | 1,331 |
| Pretax return on assets | 1.2879% | 2,207 |
| Return on Equity (ROE) | 13.2822% | 1,111 |
| Retained earnings to average equity (ytd only) | 13.2822% | 231 |
| Net charge-offs to loans | 0.2301% | 2,617 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.8219% | 2,779 |
| Efficiency ratio | 74.0218% | 3,126 |
| Assets per employee ($millions) | 3.5883% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7483% | 642 |
| Loan loss allowance to noncurrent loans | 67.6575% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 9.9983% | 129 |
| Noncurrent loans to loans | 4.0621% | 712 |
| Net loans and leases to total assets | 72.5197% | 1,594 |
| Net loans and leases to deposits | 80.5587% | 2,378 |
| Net loans and leases to core deposits | 88.5298% | 2,189 |
| Total domestic deposits to total assets | 90.0210% | 1,062 |
| Equity capital to assets | 9.9233% | 3,867 |
| Core capital (leverage) ratio | 10.1797% | 3,326 |
| Tier 1 risk-based capital ratio | 13.2246% | 4,833 |
| Total risk-based capital ratio | 14.4930% | 4,768 |
| Memoranda: | ||
| Average total assets | $44,335,200 | 6,167 |
| Average earning assets | $36,665,600 | 6,265 |
| Average equity | $4,299,000 | 6,262 |
| Average total loans | $31,722,400 | 5,678 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5646% | 338 |
| Cost of funding earning assets | 0.7770% | 1,440 |
| Net interest margin | 4.7877% | 440 |
| Noninterest income to average assets | 1.0695% | 1,281 |
| Noninterest expense to average assets | 3.7479% | 1,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2645% | 1,445 |
| Return on assets (ROA) | 1.2645% | 1,513 |
| Pretax return on assets | 1.2645% | 2,465 |
| Return on Equity (ROE) | 13.1227% | 1,211 |
| Retained earnings to average equity (ytd only) | 13.1227% | 325 |
| Net charge-offs to loans | 0.3360% | 1,871 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.3204% | 3,223 |
| Efficiency ratio | 74.7720% | 2,940 |
| Assets per employee ($millions) | 3.7110% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9256% | 603 |
| Loan loss allowance to noncurrent loans | 66.5966% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 12.2384% | 79 |
| Noncurrent loans to loans | 4.3930% | 753 |
| Net loans and leases to total assets | 70.8592% | 1,805 |
| Net loans and leases to deposits | 78.9882% | 2,535 |
| Net loans and leases to core deposits | 86.7468% | 2,315 |
| Total domestic deposits to total assets | 89.7085% | 1,168 |
| Equity capital to assets | 10.0467% | 3,837 |
| Core capital (leverage) ratio | 10.2815% | 3,271 |
| Tier 1 risk-based capital ratio | 13.2705% | 4,922 |
| Total risk-based capital ratio | 14.5429% | 4,846 |
| Memoranda: | ||
| Average total assets | $43,757,000 | 6,252 |
| Average earning assets | $36,036,250 | 6,355 |
| Average equity | $4,216,500 | 6,351 |
| Average total loans | $30,956,750 | 5,767 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4542% | 405 |
| Cost of funding earning assets | 0.7942% | 1,445 |
| Net interest margin | 4.6599% | 545 |
| Noninterest income to average assets | 0.4966% | 3,862 |
| Noninterest expense to average assets | 3.6507% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7035% | 3,789 |
| Return on assets (ROA) | 0.7035% | 3,961 |
| Pretax return on assets | 0.7035% | 4,675 |
| Return on Equity (ROE) | 7.4080% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.4080% | 1,709 |
| Net charge-offs to loans | 0.5256% | 1,256 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.9125% | 3,882 |
| Efficiency ratio | 83.8437% | 1,646 |
| Assets per employee ($millions) | 3.5094% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1696% | 490 |
| Loan loss allowance to noncurrent loans | 66.5965% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 13.1337% | 83 |
| Noncurrent loans to loans | 4.7594% | 700 |
| Net loans and leases to total assets | 68.8434% | 2,083 |
| Net loans and leases to deposits | 76.6376% | 2,776 |
| Net loans and leases to core deposits | 84.0543% | 2,558 |
| Total domestic deposits to total assets | 89.8297% | 1,136 |
| Equity capital to assets | 9.9993% | 3,918 |
| Core capital (leverage) ratio | 9.9806% | 3,557 |
| Tier 1 risk-based capital ratio | 13.2081% | 4,986 |
| Total risk-based capital ratio | 14.4878% | 4,909 |
| Memoranda: | ||
| Average total assets | $43,498,670 | 6,302 |
| Average earning assets | $36,009,000 | 6,400 |
| Average equity | $4,130,670 | 6,423 |
| Average total loans | $30,440,330 | 5,824 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2991% | 512 |
| Cost of funding earning assets | 0.8127% | 1,459 |
| Net interest margin | 4.4863% | 693 |
| Noninterest income to average assets | 0.2987% | 5,312 |
| Noninterest expense to average assets | 3.4577% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5883% | 4,279 |
| Return on assets (ROA) | 0.5883% | 4,426 |
| Pretax return on assets | 0.5883% | 4,987 |
| Return on Equity (ROE) | 6.3562% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.3562% | 2,482 |
| Net charge-offs to loans | -0.0912% | 6,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4586% | 1,592 |
| Assets per employee ($millions) | 3.3321% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3702% | 468 |
| Loan loss allowance to noncurrent loans | 55.0478% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 12.9303% | 114 |
| Noncurrent loans to loans | 6.1223% | 537 |
| Net loans and leases to total assets | 68.5735% | 1,910 |
| Net loans and leases to deposits | 75.8839% | 2,655 |
| Net loans and leases to core deposits | 82.9443% | 2,463 |
| Total domestic deposits to total assets | 90.3664% | 839 |
| Equity capital to assets | 9.5182% | 4,825 |
| Core capital (leverage) ratio | 9.3467% | 4,331 |
| Tier 1 risk-based capital ratio | 12.9463% | 5,266 |
| Total risk-based capital ratio | 14.2211% | 5,195 |
| Memoranda: | ||
| Average total assets | $44,191,500 | 6,340 |
| Average earning assets | $36,912,000 | 6,437 |
| Average equity | $4,090,500 | 6,493 |
| Average total loans | $30,690,000 | 5,863 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2693% | 986 |
| Cost of funding earning assets | 0.9843% | 1,436 |
| Net interest margin | 4.2850% | 1,434 |
| Noninterest income to average assets | 0.4087% | 4,538 |
| Noninterest expense to average assets | 3.4792% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5354% | 4,542 |
| Return on assets (ROA) | 0.5354% | 4,803 |
| Pretax return on assets | 0.5354% | 5,179 |
| Return on Equity (ROE) | 6.2532% | 4,041 |
| Retained earnings to average equity (ytd only) | 6.2532% | 1,947 |
| Net charge-offs to loans | 0.0875% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 2,362 |
| Efficiency ratio | 86.6630% | 1,358 |
| Assets per employee ($millions) | 3.4666% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3584% | 489 |
| Loan loss allowance to noncurrent loans | 63.3231% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 12.2554% | 131 |
| Noncurrent loans to loans | 5.3035% | 717 |
| Net loans and leases to total assets | 65.7059% | 2,573 |
| Net loans and leases to deposits | 72.2519% | 3,370 |
| Net loans and leases to core deposits | 78.6335% | 3,179 |
| Total domestic deposits to total assets | 90.9400% | 522 |
| Equity capital to assets | 9.0046% | 5,516 |
| Core capital (leverage) ratio | 9.0264% | 4,861 |
| Tier 1 risk-based capital ratio | 12.6924% | 5,331 |
| Total risk-based capital ratio | 13.9779% | 5,243 |
| Memoranda: | ||
| Average total assets | $45,757,600 | 6,334 |
| Average earning assets | $38,506,200 | 6,412 |
| Average equity | $3,918,000 | 6,584 |
| Average total loans | $32,001,400 | 5,853 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1547% | 1,288 |
| Cost of funding earning assets | 1.0199% | 1,450 |
| Net interest margin | 4.1347% | 1,953 |
| Noninterest income to average assets | 0.4267% | 4,426 |
| Noninterest expense to average assets | 3.4921% | 1,781 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4180% | 5,174 |
| Return on assets (ROA) | 0.4180% | 5,406 |
| Pretax return on assets | 0.4180% | 5,677 |
| Return on Equity (ROE) | 4.9446% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.9446% | 3,403 |
| Net charge-offs to loans | -0.0165% | 6,459 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3096% | 1,085 |
| Assets per employee ($millions) | 3.5390% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4010% | 511 |
| Loan loss allowance to noncurrent loans | 61.2587% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 12.9524% | 131 |
| Noncurrent loans to loans | 5.5518% | 772 |
| Net loans and leases to total assets | 65.5031% | 2,739 |
| Net loans and leases to deposits | 71.7421% | 3,650 |
| Net loans and leases to core deposits | 75.0679% | 3,843 |
| Total domestic deposits to total assets | 91.3035% | 330 |
| Equity capital to assets | 8.6009% | 6,171 |
| Core capital (leverage) ratio | 8.5066% | 5,741 |
| Tier 1 risk-based capital ratio | 12.0358% | 5,921 |
| Total risk-based capital ratio | 13.3102% | 5,893 |
| Memoranda: | ||
| Average total assets | $45,930,500 | 6,401 |
| Average earning assets | $38,695,500 | 6,481 |
| Average equity | $3,883,000 | 6,675 |
| Average total loans | $32,341,750 | 5,907 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1398% | 1,402 |
| Cost of funding earning assets | 1.0620% | 1,400 |
| Net interest margin | 4.0778% | 2,180 |
| Noninterest income to average assets | 0.4488% | 4,301 |
| Noninterest expense to average assets | 3.5377% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3573% | 5,393 |
| Return on assets (ROA) | 0.3573% | 5,615 |
| Pretax return on assets | 0.3573% | 5,809 |
| Return on Equity (ROE) | 4.2505% | 5,151 |
| Retained earnings to average equity (ytd only) | 4.2505% | 3,778 |
| Net charge-offs to loans | -0.4523% | 7,118 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8277% | 1,015 |
| Assets per employee ($millions) | 3.5513% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5703% | 471 |
| Loan loss allowance to noncurrent loans | 49.9779% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 13.3082% | 136 |
| Noncurrent loans to loans | 7.1438% | 538 |
| Net loans and leases to total assets | 66.2248% | 2,625 |
| Net loans and leases to deposits | 72.3748% | 3,557 |
| Net loans and leases to core deposits | 75.7045% | 3,792 |
| Total domestic deposits to total assets | 91.5026% | 310 |
| Equity capital to assets | 8.4368% | 6,267 |
| Core capital (leverage) ratio | 8.4921% | 5,660 |
| Tier 1 risk-based capital ratio | 11.7486% | 6,088 |
| Total risk-based capital ratio | 13.0245% | 6,055 |
| Memoranda: | ||
| Average total assets | $45,905,000 | 6,438 |
| Average earning assets | $38,795,000 | 6,519 |
| Average equity | $3,858,330 | 6,723 |
| Average total loans | $32,723,330 | 5,919 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9885% | 1,932 |
| Cost of funding earning assets | 1.1086% | 1,356 |
| Net interest margin | 3.8800% | 3,005 |
| Noninterest income to average assets | 0.5680% | 3,444 |
| Noninterest expense to average assets | 3.3993% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4719% | 4,949 |
| Return on assets (ROA) | 0.4719% | 5,143 |
| Pretax return on assets | 0.4719% | 5,519 |
| Return on Equity (ROE) | 5.6250% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.6250% | 3,183 |
| Net charge-offs to loans | -0.5778% | 7,160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8104% | 1,302 |
| Assets per employee ($millions) | 3.5305% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4139% | 571 |
| Loan loss allowance to noncurrent loans | 36.9900% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 13.0727% | 162 |
| Noncurrent loans to loans | 9.2292% | 353 |
| Net loans and leases to total assets | 68.1766% | 2,077 |
| Net loans and leases to deposits | 74.5148% | 3,045 |
| Net loans and leases to core deposits | 79.1396% | 3,161 |
| Total domestic deposits to total assets | 91.4940% | 378 |
| Equity capital to assets | 8.4254% | 6,150 |
| Core capital (leverage) ratio | 8.3654% | 5,786 |
| Tier 1 risk-based capital ratio | 11.8112% | 6,076 |
| Total risk-based capital ratio | 13.0880% | 6,045 |
| Memoranda: | ||
| Average total assets | $45,774,000 | 6,487 |
| Average earning assets | $38,969,500 | 6,563 |
| Average equity | $3,840,000 | 6,768 |
| Average total loans | $33,232,000 | 5,950 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5514% | 1,054 |
| Cost of funding earning assets | 1.2953% | 1,502 |
| Net interest margin | 4.2560% | 1,853 |
| Noninterest income to average assets | 0.2507% | 5,738 |
| Noninterest expense to average assets | 3.2180% | 2,798 |
| Loan and lease loss provision to assets | 1.6908% | 403 |
| Net operating income to assets | -0.9884% | 6,739 |
| Return on assets (ROA) | -0.9884% | 6,762 |
| Pretax return on assets | -0.9884% | 6,731 |
| Return on Equity (ROE) | -12.5046% | 6,814 |
| Retained earnings to average equity (ytd only) | -12.5046% | 6,787 |
| Net charge-offs to loans | 2.3780% | 511 |
| Credit loss provision to net charge-offs | 92.4122% | 3,897 |
| Earnings coverage of net charge-offs (x) | 0.3839% | 5,531 |
| Efficiency ratio | 82.0825% | 2,005 |
| Assets per employee ($millions) | 3.8043% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1056% | 741 |
| Loan loss allowance to noncurrent loans | 37.1619% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 13.8025% | 164 |
| Noncurrent loans to loans | 8.3571% | 459 |
| Net loans and leases to total assets | 72.3073% | 1,593 |
| Net loans and leases to deposits | 78.9330% | 2,688 |
| Net loans and leases to core deposits | 84.7689% | 2,776 |
| Total domestic deposits to total assets | 91.6059% | 305 |
| Equity capital to assets | 8.3525% | 6,302 |
| Core capital (leverage) ratio | 7.9172% | 6,342 |
| Tier 1 risk-based capital ratio | 10.7642% | 6,573 |
| Total risk-based capital ratio | 12.0346% | 6,547 |
| Memoranda: | ||
| Average total assets | $48,260,200 | 6,414 |
| Average earning assets | $41,611,400 | 6,477 |
| Average equity | $3,814,600 | 6,801 |
| Average total loans | $37,132,400 | 5,827 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5757% | 1,088 |
| Cost of funding earning assets | 1.3255% | 1,571 |
| Net interest margin | 4.2503% | 1,907 |
| Noninterest income to average assets | 0.2808% | 5,602 |
| Noninterest expense to average assets | 3.2138% | 2,789 |
| Loan and lease loss provision to assets | 2.1807% | 231 |
| Net operating income to assets | -1.4338% | 7,026 |
| Return on assets (ROA) | -1.4338% | 7,041 |
| Pretax return on assets | -1.4338% | 7,001 |
| Return on Equity (ROE) | -18.3832% | 7,073 |
| Retained earnings to average equity (ytd only) | -18.3832% | 7,057 |
| Net charge-offs to loans | 2.2656% | 533 |
| Credit loss provision to net charge-offs | 124.2236% | 2,589 |
| Earnings coverage of net charge-offs (x) | 0.4255% | 5,304 |
| Efficiency ratio | 81.1425% | 2,092 |
| Assets per employee ($millions) | 3.8671% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7124% | 485 |
| Loan loss allowance to noncurrent loans | 49.8638% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 13.6666% | 170 |
| Noncurrent loans to loans | 7.4451% | 638 |
| Net loans and leases to total assets | 71.5979% | 1,797 |
| Net loans and leases to deposits | 77.9948% | 2,994 |
| Net loans and leases to core deposits | 84.2291% | 3,028 |
| Total domestic deposits to total assets | 91.7983% | 240 |
| Equity capital to assets | 8.1112% | 6,630 |
| Core capital (leverage) ratio | 7.7825% | 6,581 |
| Tier 1 risk-based capital ratio | 10.1453% | 6,911 |
| Total risk-based capital ratio | 11.4229% | 6,896 |
| Memoranda: | ||
| Average total assets | $48,912,500 | 6,456 |
| Average earning assets | $42,349,250 | 6,505 |
| Average equity | $3,815,000 | 6,857 |
| Average total loans | $37,898,750 | 5,839 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6733% | 919 |
| Cost of funding earning assets | 1.3655% | 1,572 |
| Net interest margin | 4.3078% | 1,625 |
| Noninterest income to average assets | 0.1487% | 6,580 |
| Noninterest expense to average assets | 3.1840% | 2,959 |
| Loan and lease loss provision to assets | 3.2162% | 132 |
| Net operating income to assets | -2.4845% | 7,263 |
| Return on assets (ROA) | -2.4845% | 7,267 |
| Pretax return on assets | -2.4845% | 7,247 |
| Return on Equity (ROE) | -32.2547% | 7,266 |
| Retained earnings to average equity (ytd only) | -32.2547% | 7,258 |
| Net charge-offs to loans | 3.2744% | 291 |
| Credit loss provision to net charge-offs | 125.1956% | 2,437 |
| Earnings coverage of net charge-offs (x) | 0.2848% | 5,095 |
| Efficiency ratio | 81.3142% | 2,200 |
| Assets per employee ($millions) | 3.9655% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5191% | 588 |
| Loan loss allowance to noncurrent loans | 54.8401% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 13.2035% | 204 |
| Noncurrent loans to loans | 6.4171% | 879 |
| Net loans and leases to total assets | 74.0911% | 1,400 |
| Net loans and leases to deposits | 80.3395% | 2,728 |
| Net loans and leases to core deposits | 86.6308% | 2,803 |
| Total domestic deposits to total assets | 92.2225% | 194 |
| Equity capital to assets | 7.7166% | 6,849 |
| Core capital (leverage) ratio | 7.6748% | 6,611 |
| Tier 1 risk-based capital ratio | 9.5169% | 7,100 |
| Total risk-based capital ratio | 10.7920% | 7,103 |
| Memoranda: | ||
| Average total assets | $49,748,330 | 6,485 |
| Average earning assets | $43,502,000 | 6,523 |
| Average equity | $3,832,000 | 6,894 |
| Average total loans | $39,029,670 | 5,841 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1777% | 2,315 |
| Cost of funding earning assets | 1.4161% | 1,527 |
| Net interest margin | 3.7616% | 3,790 |
| Noninterest income to average assets | 0.0393% | 7,186 |
| Noninterest expense to average assets | 3.0533% | 3,445 |
| Loan and lease loss provision to assets | 6.2956% | 40 |
| Net operating income to assets | -5.9650% | 7,505 |
| Return on assets (ROA) | -5.9650% | 7,506 |
| Pretax return on assets | -5.9650% | 7,501 |
| Return on Equity (ROE) | -77.5051% | 7,479 |
| Retained earnings to average equity (ytd only) | -77.5051% | 7,472 |
| Net charge-offs to loans | 5.1151% | 147 |
| Credit loss provision to net charge-offs | 155.3398% | 1,847 |
| Earnings coverage of net charge-offs (x) | 0.0816% | 4,532 |
| Efficiency ratio | 90.2326% | 1,315 |
| Assets per employee ($millions) | 3.8861% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6329% | 550 |
| Loan loss allowance to noncurrent loans | 26.4689% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 15.4259% | 147 |
| Noncurrent loans to loans | 13.7251% | 195 |
| Net loans and leases to total assets | 74.0355% | 1,336 |
| Net loans and leases to deposits | 79.6754% | 2,769 |
| Net loans and leases to core deposits | 90.9471% | 2,247 |
| Total domestic deposits to total assets | 92.9215% | 142 |
| Equity capital to assets | 6.9934% | 7,088 |
| Core capital (leverage) ratio | 6.8994% | 7,049 |
| Tier 1 risk-based capital ratio | 8.8740% | 7,231 |
| Total risk-based capital ratio | 10.1525% | 7,235 |
| Memoranda: | ||
| Average total assets | $50,829,500 | 6,505 |
| Average earning assets | $45,193,500 | 6,517 |
| Average equity | $3,912,000 | 6,907 |
| Average total loans | $40,273,000 | 5,837 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1033% | 4,085 |
| Cost of funding earning assets | 1.9572% | 709 |
| Net interest margin | 3.1461% | 6,398 |
| Noninterest income to average assets | -0.7812% | 7,602 |
| Noninterest expense to average assets | 2.5292% | 5,686 |
| Loan and lease loss provision to assets | 1.5942% | 904 |
| Net operating income to assets | -2.0893% | 7,081 |
| Return on assets (ROA) | -2.0893% | 7,090 |
| Pretax return on assets | -2.0893% | 7,051 |
| Return on Equity (ROE) | -30.4248% | 7,236 |
| Retained earnings to average equity (ytd only) | -30.4248% | 7,224 |
| Net charge-offs to loans | 2.2235% | 874 |
| Credit loss provision to net charge-offs | 93.2485% | 4,977 |
| Earnings coverage of net charge-offs (x) | -0.2896% | 6,351 |
| Efficiency ratio | 124.3421% | 363 |
| Assets per employee ($millions) | 3.9338% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6956% | 1,179 |
| Loan loss allowance to noncurrent loans | 18.6877% | 6,859 |
| Noncurrent assets plus other real estate owned to assets | 14.9570% | 167 |
| Noncurrent loans to loans | 14.4247% | 183 |
| Net loans and leases to total assets | 79.4075% | 741 |
| Net loans and leases to deposits | 86.7287% | 1,973 |
| Net loans and leases to core deposits | 104.0909% | 1,304 |
| Total domestic deposits to total assets | 91.5585% | 385 |
| Equity capital to assets | 8.3907% | 6,013 |
| Core capital (leverage) ratio | 8.1476% | 5,914 |
| Tier 1 risk-based capital ratio | 10.0652% | 6,951 |
| Total risk-based capital ratio | 11.3319% | 6,926 |
| Memoranda: | ||
| Average total assets | $59,781,000 | 6,208 |
| Average earning assets | $53,495,000 | 6,236 |
| Average equity | $4,105,200 | 6,957 |
| Average total loans | $45,962,800 | 5,649 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0683% | 4,489 |
| Cost of funding earning assets | 2.0889% | 561 |
| Net interest margin | 2.9794% | 6,869 |
| Noninterest income to average assets | -1.0741% | 7,735 |
| Noninterest expense to average assets | 2.5098% | 5,684 |
| Loan and lease loss provision to assets | 2.0513% | 576 |
| Net operating income to assets | -2.9705% | 7,446 |
| Return on assets (ROA) | -2.9705% | 7,455 |
| Pretax return on assets | -2.9705% | 7,411 |
| Return on Equity (ROE) | -45.3329% | 7,530 |
| Retained earnings to average equity (ytd only) | -45.3329% | 7,528 |
| Net charge-offs to loans | 2.9604% | 535 |
| Credit loss provision to net charge-offs | 91.2835% | 4,717 |
| Earnings coverage of net charge-offs (x) | -0.4090% | 6,294 |
| Efficiency ratio | 157.7808% | 171 |
| Assets per employee ($millions) | 3.9221% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5594% | 1,257 |
| Loan loss allowance to noncurrent loans | 19.1029% | 6,941 |
| Noncurrent assets plus other real estate owned to assets | 14.2069% | 179 |
| Noncurrent loans to loans | 13.3980% | 213 |
| Net loans and leases to total assets | 76.4761% | 1,318 |
| Net loans and leases to deposits | 82.4945% | 3,015 |
| Net loans and leases to core deposits | 97.4677% | 2,097 |
| Total domestic deposits to total assets | 92.7044% | 121 |
| Equity capital to assets | 7.2100% | 7,259 |
| Core capital (leverage) ratio | 7.0300% | 7,148 |
| Tier 1 risk-based capital ratio | 8.7847% | 7,404 |
| Total risk-based capital ratio | 10.0339% | 7,415 |
| Memoranda: | ||
| Average total assets | $61,941,250 | 6,192 |
| Average earning assets | $55,402,250 | 6,219 |
| Average equity | $4,058,750 | 7,064 |
| Average total loans | $47,020,000 | 5,674 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3211% | 3,366 |
| Cost of funding earning assets | 2.1972% | 472 |
| Net interest margin | 3.1239% | 6,540 |
| Noninterest income to average assets | 0.0062% | 7,505 |
| Noninterest expense to average assets | 2.4827% | 5,780 |
| Loan and lease loss provision to assets | 2.4111% | 479 |
| Net operating income to assets | -2.0876% | 7,333 |
| Return on assets (ROA) | -2.0876% | 7,339 |
| Pretax return on assets | -2.0876% | 7,264 |
| Return on Equity (ROE) | -32.7957% | 7,467 |
| Retained earnings to average equity (ytd only) | -32.7957% | 7,457 |
| Net charge-offs to loans | 2.9507% | 546 |
| Credit loss provision to net charge-offs | 108.6957% | 3,747 |
| Earnings coverage of net charge-offs (x) | 0.1459% | 5,574 |
| Efficiency ratio | 88.4701% | 1,463 |
| Assets per employee ($millions) | 4.1935% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7550% | 1,039 |
| Loan loss allowance to noncurrent loans | 26.4811% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 12.4393% | 249 |
| Noncurrent loans to loans | 10.4036% | 413 |
| Net loans and leases to total assets | 75.5148% | 1,592 |
| Net loans and leases to deposits | 80.6586% | 3,491 |
| Net loans and leases to core deposits | 111.2048% | 1,086 |
| Total domestic deposits to total assets | 93.6228% | 90 |
| Equity capital to assets | 6.2137% | 7,510 |
| Core capital (leverage) ratio | 5.9138% | 7,494 |
| Tier 1 risk-based capital ratio | 7.5847% | 7,553 |
| Total risk-based capital ratio | 8.8467% | 7,561 |
| Memoranda: | ||
| Average total assets | $64,285,000 | 6,172 |
| Average earning assets | $57,620,000 | 6,183 |
| Average equity | $4,092,000 | 7,087 |
| Average total loans | $48,328,000 | 5,677 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1790% | 4,140 |
| Cost of funding earning assets | 2.2981% | 439 |
| Net interest margin | 2.8809% | 7,047 |
| Noninterest income to average assets | -0.2505% | 7,817 |
| Noninterest expense to average assets | 2.4153% | 6,033 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0716% | 6,398 |
| Return on assets (ROA) | -0.0716% | 6,478 |
| Pretax return on assets | -0.0716% | 6,428 |
| Return on Equity (ROE) | -1.1127% | 6,539 |
| Retained earnings to average equity (ytd only) | -1.1127% | 6,066 |
| Net charge-offs to loans | -0.0805% | 7,475 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0534% | 752 |
| Assets per employee ($millions) | 4.7045% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4895% | 1,307 |
| Loan loss allowance to noncurrent loans | 34.3411% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 10.2136% | 383 |
| Noncurrent loans to loans | 7.2492% | 807 |
| Net loans and leases to total assets | 71.6032% | 2,545 |
| Net loans and leases to deposits | 76.6954% | 4,285 |
| Net loans and leases to core deposits | 113.7674% | 1,049 |
| Total domestic deposits to total assets | 93.3605% | 97 |
| Equity capital to assets | 6.5408% | 7,521 |
| Core capital (leverage) ratio | 6.3799% | 7,512 |
| Tier 1 risk-based capital ratio | 8.2409% | 7,589 |
| Total risk-based capital ratio | 9.5053% | 7,597 |
| Memoranda: | ||
| Average total assets | $67,073,000 | 6,134 |
| Average earning assets | $60,398,000 | 6,153 |
| Average equity | $4,314,000 | 7,064 |
| Average total loans | $49,697,000 | 5,681 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0670% | 1,610 |
| Cost of funding earning assets | 2.6422% | 684 |
| Net interest margin | 3.4248% | 5,270 |
| Noninterest income to average assets | -0.0015% | 7,710 |
| Noninterest expense to average assets | 2.4860% | 6,186 |
| Loan and lease loss provision to assets | 2.6400% | 732 |
| Net operating income to assets | -2.0030% | 7,094 |
| Return on assets (ROA) | -2.0030% | 7,094 |
| Pretax return on assets | -2.0030% | 6,944 |
| Return on Equity (ROE) | -24.4671% | 7,276 |
| Retained earnings to average equity (ytd only) | -24.4671% | 7,249 |
| Net charge-offs to loans | 2.3324% | 997 |
| Credit loss provision to net charge-offs | 132.8018% | 3,765 |
| Earnings coverage of net charge-offs (x) | 0.3204% | 5,794 |
| Efficiency ratio | 79.6037% | 2,941 |
| Assets per employee ($millions) | 5.2525% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3398% | 1,419 |
| Loan loss allowance to noncurrent loans | 52.8787% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 7.4572% | 650 |
| Noncurrent loans to loans | 4.4248% | 1,613 |
| Net loans and leases to total assets | 72.9845% | 2,514 |
| Net loans and leases to deposits | 77.9882% | 4,376 |
| Net loans and leases to core deposits | 106.5874% | 3,262 |
| Total domestic deposits to total assets | 93.5841% | 95 |
| Equity capital to assets | 6.3266% | 7,606 |
| Core capital (leverage) ratio | 6.3620% | 7,535 |
| Tier 1 risk-based capital ratio | 7.9406% | 7,663 |
| Total risk-based capital ratio | 9.1813% | 7,671 |
| Memoranda: | ||
| Average total assets | $66,250,400 | 6,133 |
| Average earning assets | $60,442,000 | 6,109 |
| Average equity | $5,423,600 | 6,794 |
| Average total loans | $56,464,600 | 5,400 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1021% | 1,647 |
| Cost of funding earning assets | 2.6977% | 794 |
| Net interest margin | 3.4044% | 5,246 |
| Noninterest income to average assets | 0.2211% | 6,646 |
| Noninterest expense to average assets | 2.4418% | 6,273 |
| Loan and lease loss provision to assets | 1.1560% | 1,680 |
| Net operating income to assets | -0.2697% | 6,161 |
| Return on assets (ROA) | -0.2697% | 6,171 |
| Pretax return on assets | -0.2697% | 6,065 |
| Return on Equity (ROE) | -3.1113% | 6,259 |
| Retained earnings to average equity (ytd only) | -3.1113% | 5,958 |
| Net charge-offs to loans | 0.8209% | 2,323 |
| Credit loss provision to net charge-offs | 160.1124% | 2,963 |
| Earnings coverage of net charge-offs (x) | 1.2275% | 4,849 |
| Efficiency ratio | 73.3699% | 3,985 |
| Assets per employee ($millions) | 5.1394% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7794% | 2,348 |
| Loan loss allowance to noncurrent loans | 30.3794% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 9.3531% | 396 |
| Noncurrent loans to loans | 5.8572% | 1,029 |
| Net loans and leases to total assets | 80.7190% | 1,038 |
| Net loans and leases to deposits | 88.1180% | 2,931 |
| Net loans and leases to core deposits | 184.9705% | 158 |
| Total domestic deposits to total assets | 91.6033% | 241 |
| Equity capital to assets | 8.2515% | 6,557 |
| Core capital (leverage) ratio | 8.3254% | 5,796 |
| Tier 1 risk-based capital ratio | 9.5260% | 7,352 |
| Total risk-based capital ratio | 10.7805% | 7,317 |
| Memoranda: | ||
| Average total assets | $65,742,250 | 6,183 |
| Average earning assets | $59,999,750 | 6,170 |
| Average equity | $5,699,500 | 6,777 |
| Average total loans | $57,823,250 | 5,388 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2854% | 1,246 |
| Cost of funding earning assets | 2.7341% | 950 |
| Net interest margin | 3.5513% | 4,566 |
| Noninterest income to average assets | 0.2263% | 6,672 |
| Noninterest expense to average assets | 2.3920% | 6,491 |
| Loan and lease loss provision to assets | 0.4588% | 3,233 |
| Net operating income to assets | 0.6454% | 3,485 |
| Return on assets (ROA) | 0.6454% | 3,592 |
| Pretax return on assets | 0.6454% | 4,174 |
| Return on Equity (ROE) | 7.3243% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.3243% | 1,458 |
| Net charge-offs to loans | 0.6123% | 2,514 |
| Credit loss provision to net charge-offs | 83.3333% | 5,103 |
| Earnings coverage of net charge-offs (x) | 2.0056% | 4,084 |
| Efficiency ratio | 68.4164% | 5,087 |
| Assets per employee ($millions) | 4.6006% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 4,366 |
| Loan loss allowance to noncurrent loans | 30.6918% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 7.2243% | 573 |
| Noncurrent loans to loans | 4.1866% | 1,587 |
| Net loans and leases to total assets | 87.3106% | 284 |
| Net loans and leases to deposits | 96.2450% | 1,758 |
| Net loans and leases to core deposits | 193.1213% | 147 |
| Total domestic deposits to total assets | 90.7170% | 549 |
| Equity capital to assets | 9.0936% | 5,168 |
| Core capital (leverage) ratio | 8.8695% | 4,834 |
| Tier 1 risk-based capital ratio | 9.9580% | 6,978 |
| Total risk-based capital ratio | 11.2025% | 6,912 |
| Memoranda: | ||
| Average total assets | $65,385,670 | 6,249 |
| Average earning assets | $60,203,330 | 6,215 |
| Average equity | $5,761,670 | 6,807 |
| Average total loans | $58,795,330 | 5,390 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2112% | 1,563 |
| Cost of funding earning assets | 2.7475% | 1,121 |
| Net interest margin | 3.4637% | 4,880 |
| Noninterest income to average assets | 0.1943% | 6,907 |
| Noninterest expense to average assets | 2.2953% | 6,558 |
| Loan and lease loss provision to assets | 0.3036% | 3,521 |
| Net operating income to assets | 0.8258% | 3,021 |
| Return on assets (ROA) | 0.8258% | 3,176 |
| Pretax return on assets | 0.8258% | 3,988 |
| Return on Equity (ROE) | 9.5205% | 2,520 |
| Retained earnings to average equity (ytd only) | 9.5205% | 1,331 |
| Net charge-offs to loans | 1.0853% | 1,253 |
| Credit loss provision to net charge-offs | 30.8642% | 4,940 |
| Earnings coverage of net charge-offs (x) | 1.1481% | 4,179 |
| Efficiency ratio | 67.0213% | 5,139 |
| Assets per employee ($millions) | 4.6607% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 5,433 |
| Loan loss allowance to noncurrent loans | 28.2363% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 5.4268% | 794 |
| Noncurrent loans to loans | 3.9134% | 1,558 |
| Net loans and leases to total assets | 89.1540% | 186 |
| Net loans and leases to deposits | 97.9871% | 1,668 |
| Net loans and leases to core deposits | 189.4516% | 184 |
| Total domestic deposits to total assets | 90.9854% | 419 |
| Equity capital to assets | 8.8613% | 5,539 |
| Core capital (leverage) ratio | 8.7264% | 5,108 |
| Tier 1 risk-based capital ratio | 9.9146% | 7,019 |
| Total risk-based capital ratio | 11.0292% | 7,076 |
| Memoranda: | ||
| Average total assets | $65,874,500 | 6,254 |
| Average earning assets | $61,437,500 | 6,196 |
| Average equity | $5,714,000 | 6,872 |
| Average total loans | $59,709,500 | 5,373 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0759% | 955 |
| Cost of funding earning assets | 3.5354% | 474 |
| Net interest margin | 3.5405% | 5,145 |
| Noninterest income to average assets | 0.2116% | 6,924 |
| Noninterest expense to average assets | 2.1863% | 7,000 |
| Loan and lease loss provision to assets | 1.1826% | 1,222 |
| Net operating income to assets | 0.1058% | 6,098 |
| Return on assets (ROA) | 0.1058% | 5,937 |
| Pretax return on assets | 0.1058% | 5,925 |
| Return on Equity (ROE) | 1.1700% | 5,867 |
| Retained earnings to average equity (ytd only) | 1.1700% | 4,529 |
| Net charge-offs to loans | 1.0072% | 1,226 |
| Credit loss provision to net charge-offs | 128.1619% | 4,159 |
| Earnings coverage of net charge-offs (x) | 1.3963% | 5,427 |
| Efficiency ratio | 62.9198% | 5,794 |
| Assets per employee ($millions) | 4.7499% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 4,067 |
| Loan loss allowance to noncurrent loans | 28.3166% | 6,810 |
| Noncurrent assets plus other real estate owned to assets | 4.0467% | 1,009 |
| Noncurrent loans to loans | 4.4409% | 1,074 |
| Net loans and leases to total assets | 89.9773% | 198 |
| Net loans and leases to deposits | 98.4419% | 2,062 |
| Net loans and leases to core deposits | 170.0313% | 398 |
| Total domestic deposits to total assets | 91.4014% | 220 |
| Equity capital to assets | 8.4904% | 6,100 |
| Core capital (leverage) ratio | 8.0213% | 6,455 |
| Tier 1 risk-based capital ratio | 9.1962% | 7,620 |
| Total risk-based capital ratio | 10.4373% | 7,586 |
| Memoranda: | ||
| Average total assets | $64,264,600 | 6,220 |
| Average earning assets | $59,229,600 | 6,210 |
| Average equity | $5,812,200 | 6,874 |
| Average total loans | $58,875,000 | 5,325 |