Home > Jackson Federal Savings and Loan Association > Performance and Condition Ratios
Jackson Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6459% | 4,319 |
| Cost of funding earning assets | 1.6364% | 1,600 |
| Net interest margin | 2.0095% | 4,407 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.6328% | 1,911 |
| Loan and lease loss provision to assets | -0.2200% | 4,564 |
| Net operating income to assets | -0.1526% | 4,446 |
| Return on assets (ROA) | -4.7481% | 4,588 |
| Pretax return on assets | -4.7481% | 4,587 |
| Return on Equity (ROE) | -24.2400% | 4,556 |
| Retained earnings to average equity (ytd only) | -24.2409% | 4,535 |
| Net charge-offs to loans | 0.0401% | 1,511 |
| Credit loss provision to net charge-offs | -1,233.3333% | 4,571 |
| Earnings coverage of net charge-offs (x) | -20.8333% | 4,565 |
| Efficiency ratio | 116.5563% | 86 |
| Assets per employee ($millions) | 7.5820% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 3,549 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 49.0000% | 3,659 |
| Net loans and leases to deposits | 63.9250% | 3,294 |
| Net loans and leases to core deposits | 69.2387% | 3,348 |
| Total domestic deposits to total assets | 76.6500% | 3,878 |
| Equity capital to assets | 20.3607% | 275 |
| Core capital (leverage) ratio | 25.1883% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.8130% | 90 |
| Memoranda: | ||
| Average total assets | $33,424,000 | 4,443 |
| Average earning assets | $28,415,400 | 4,427 |
| Average equity | $6,546,800 | 4,108 |
| Average total loans | $14,957,800 | 4,350 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6274% | 4,285 |
| Cost of funding earning assets | 1.7105% | 1,171 |
| Net interest margin | 1.9169% | 4,465 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.6629% | 1,754 |
| Loan and lease loss provision to assets | -0.2900% | 4,599 |
| Net operating income to assets | -0.1131% | 4,479 |
| Return on assets (ROA) | -6.3901% | 4,623 |
| Pretax return on assets | -6.3901% | 4,623 |
| Return on Equity (ROE) | -32.9100% | 4,590 |
| Retained earnings to average equity (ytd only) | -32.9121% | 4,576 |
| Net charge-offs to loans | -0.0089% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 117.7586% | 82 |
| Assets per employee ($millions) | 5.9556% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 3,449 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 50.3700% | 3,591 |
| Net loans and leases to deposits | 65.0277% | 3,199 |
| Net loans and leases to core deposits | 70.4198% | 3,189 |
| Total domestic deposits to total assets | 77.4500% | 3,881 |
| Equity capital to assets | 19.3935% | 300 |
| Core capital (leverage) ratio | 20.6770% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.5394% | 93 |
| Memoranda: | ||
| Average total assets | $34,198,000 | 4,458 |
| Average earning assets | $29,074,250 | 4,447 |
| Average equity | $6,639,750 | 4,088 |
| Average total loans | $14,946,750 | 4,373 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4854% | 4,358 |
| Cost of funding earning assets | 1.5294% | 1,193 |
| Net interest margin | 1.9560% | 4,505 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.5280% | 2,120 |
| Loan and lease loss provision to assets | -0.4100% | 4,633 |
| Net operating income to assets | -0.0224% | 4,488 |
| Return on assets (ROA) | -0.0280% | 4,479 |
| Pretax return on assets | -0.0280% | 4,468 |
| Return on Equity (ROE) | -0.1400% | 4,443 |
| Retained earnings to average equity (ytd only) | -0.1441% | 4,120 |
| Net charge-offs to loans | 0.1747% | 449 |
| Credit loss provision to net charge-offs | -569.2308% | 4,604 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 4,628 |
| Efficiency ratio | 120.9115% | 69 |
| Assets per employee ($millions) | 7.0554% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 3,717 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 3,008 |
| Noncurrent loans to loans | 0.1839% | 2,553 |
| Net loans and leases to total assets | 41.2300% | 3,994 |
| Net loans and leases to deposits | 62.9676% | 3,254 |
| Net loans and leases to core deposits | 68.9046% | 3,191 |
| Total domestic deposits to total assets | 65.4700% | 4,437 |
| Equity capital to assets | 19.5907% | 291 |
| Core capital (leverage) ratio | 24.2063% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.1533% | 78 |
| Memoranda: | ||
| Average total assets | $35,681,000 | 4,469 |
| Average earning assets | $30,470,333 | 4,469 |
| Average equity | $6,938,333 | 4,081 |
| Average total loans | $14,880,000 | 4,394 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4442% | 4,332 |
| Cost of funding earning assets | 1.4351% | 964 |
| Net interest margin | 2.0091% | 4,563 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.4970% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.2118% | 4,555 |
| Return on assets (ROA) | -0.2007% | 4,537 |
| Pretax return on assets | -0.2007% | 4,527 |
| Return on Equity (ROE) | -1.0400% | 4,485 |
| Retained earnings to average equity (ytd only) | -1.0357% | 4,130 |
| Net charge-offs to loans | 0.3471% | 228 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -1.4615% | 4,646 |
| Efficiency ratio | 109.2683% | 104 |
| Assets per employee ($millions) | 7.2308% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,630 |
| Loan loss allowance to noncurrent loans | 3,483.3333% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 3,659 |
| Noncurrent loans to loans | 0.0401% | 3,454 |
| Net loans and leases to total assets | 40.7800% | 4,013 |
| Net loans and leases to deposits | 62.0533% | 3,222 |
| Net loans and leases to core deposits | 66.8450% | 3,167 |
| Total domestic deposits to total assets | 65.7100% | 4,487 |
| Equity capital to assets | 19.6576% | 243 |
| Core capital (leverage) ratio | 24.3960% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.8760% | 90 |
| Memoranda: | ||
| Average total assets | $35,883,000 | 4,534 |
| Average earning assets | $30,660,000 | 4,531 |
| Average equity | $6,952,000 | 4,131 |
| Average total loans | $14,981,000 | 4,455 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2501% | 3,711 |
| Cost of funding earning assets | 0.7529% | 462 |
| Net interest margin | 2.4971% | 4,293 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.4196% | 2,361 |
| Loan and lease loss provision to assets | -0.1600% | 4,606 |
| Net operating income to assets | 0.2014% | 4,448 |
| Return on assets (ROA) | 0.2014% | 4,428 |
| Pretax return on assets | 0.2014% | 4,446 |
| Return on Equity (ROE) | 0.9900% | 4,490 |
| Retained earnings to average equity (ytd only) | 0.9851% | 4,205 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 98.4496% | 167 |
| Assets per employee ($millions) | 7.1224% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,265 |
| Loan loss allowance to noncurrent loans | 765.5172% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 2,682 |
| Noncurrent loans to loans | 0.1932% | 2,512 |
| Net loans and leases to total assets | 41.5300% | 4,003 |
| Net loans and leases to deposits | 62.8731% | 3,123 |
| Net loans and leases to core deposits | 66.8853% | 3,074 |
| Total domestic deposits to total assets | 66.0500% | 4,532 |
| Equity capital to assets | 19.0863% | 250 |
| Core capital (leverage) ratio | 24.3648% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.0848% | 102 |
| Memoranda: | ||
| Average total assets | $36,741,600 | 4,556 |
| Average earning assets | $31,876,400 | 4,554 |
| Average equity | $7,512,000 | 4,147 |
| Average total loans | $14,666,000 | 4,489 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1991% | 3,439 |
| Cost of funding earning assets | 0.6406% | 351 |
| Net interest margin | 2.5584% | 4,154 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.3336% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2305% | 4,446 |
| Return on assets (ROA) | 0.2341% | 4,405 |
| Pretax return on assets | 0.2341% | 4,431 |
| Return on Equity (ROE) | 1.1300% | 4,482 |
| Retained earnings to average equity (ytd only) | 1.1269% | 4,193 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.0112% | 296 |
| Assets per employee ($millions) | 7.1368% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8769% | 629 |
| Loan loss allowance to noncurrent loans | 972.4138% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 2,758 |
| Noncurrent loans to loans | 0.1930% | 2,635 |
| Net loans and leases to total assets | 41.3200% | 4,011 |
| Net loans and leases to deposits | 62.0915% | 3,015 |
| Net loans and leases to core deposits | 66.0973% | 2,950 |
| Total domestic deposits to total assets | 66.5400% | 4,579 |
| Equity capital to assets | 18.4340% | 256 |
| Core capital (leverage) ratio | 23.5608% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6545% | 144 |
| Memoranda: | ||
| Average total assets | $37,024,000 | 4,590 |
| Average earning assets | $32,258,750 | 4,586 |
| Average equity | $7,690,750 | 4,171 |
| Average total loans | $14,579,750 | 4,524 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1196% | 3,258 |
| Cost of funding earning assets | 0.6203% | 242 |
| Net interest margin | 2.4993% | 4,087 |
| Noninterest income to average assets | 0.3576% | 3,006 |
| Noninterest expense to average assets | 2.2845% | 2,595 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2669% | 4,342 |
| Return on assets (ROA) | 0.2722% | 4,287 |
| Pretax return on assets | 0.2722% | 4,335 |
| Return on Equity (ROE) | 1.2652% | 4,429 |
| Retained earnings to average equity (ytd only) | 1.2652% | 3,931 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5397% | 430 |
| Assets per employee ($millions) | 7.2434% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,595 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 39.7686% | 4,081 |
| Net loans and leases to deposits | 57.2707% | 3,285 |
| Net loans and leases to core deposits | 60.7337% | 3,216 |
| Total domestic deposits to total assets | 69.4398% | 4,624 |
| Equity capital to assets | 20.1646% | 163 |
| Core capital (leverage) ratio | 23.4401% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6903% | 103 |
| Memoranda: | ||
| Average total assets | $37,470,667 | 4,626 |
| Average earning assets | $32,888,667 | 4,634 |
| Average equity | $8,061,667 | 4,196 |
| Average total loans | $14,431,333 | 4,589 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1120% | 2,946 |
| Cost of funding earning assets | 0.7364% | 126 |
| Net interest margin | 2.3755% | 4,114 |
| Noninterest income to average assets | 0.4515% | 2,388 |
| Noninterest expense to average assets | 2.3099% | 2,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2415% | 4,256 |
| Return on assets (ROA) | 0.2520% | 4,211 |
| Pretax return on assets | 0.2520% | 4,263 |
| Return on Equity (ROE) | 1.1373% | 4,404 |
| Retained earnings to average equity (ytd only) | 1.1373% | 3,796 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5350% | 521 |
| Assets per employee ($millions) | 7.3790% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9987% | 615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,658 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 37.3438% | 4,146 |
| Net loans and leases to deposits | 51.3434% | 3,623 |
| Net loans and leases to core deposits | 53.8056% | 3,606 |
| Total domestic deposits to total assets | 72.7334% | 4,604 |
| Equity capital to assets | 21.5178% | 132 |
| Core capital (leverage) ratio | 24.2646% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6548% | 109 |
| Memoranda: | ||
| Average total assets | $38,097,500 | 4,647 |
| Average earning assets | $33,676,500 | 4,656 |
| Average equity | $8,441,000 | 4,221 |
| Average total loans | $14,304,500 | 4,614 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9644% | 3,935 |
| Cost of funding earning assets | 0.8302% | 173 |
| Net interest margin | 2.1343% | 4,520 |
| Noninterest income to average assets | 0.4374% | 2,871 |
| Noninterest expense to average assets | 2.2976% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0432% | 4,663 |
| Return on assets (ROA) | 0.1278% | 4,613 |
| Pretax return on assets | 0.1597% | 4,599 |
| Return on Equity (ROE) | 0.5735% | 4,649 |
| Retained earnings to average equity (ytd only) | 0.5735% | 4,356 |
| Net charge-offs to loans | 0.0134% | 2,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,179 |
| Efficiency ratio | 97.7011% | 174 |
| Assets per employee ($millions) | 7.8600% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 3,773 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 36.3079% | 4,270 |
| Net loans and leases to deposits | 49.2289% | 3,931 |
| Net loans and leases to core deposits | 51.3976% | 3,936 |
| Total domestic deposits to total assets | 73.7532% | 4,593 |
| Equity capital to assets | 22.7557% | 116 |
| Core capital (leverage) ratio | 22.0438% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.4297% | 109 |
| Memoranda: | ||
| Average total assets | $40,695,200 | 4,656 |
| Average earning assets | $36,499,400 | 4,654 |
| Average equity | $9,066,800 | 4,236 |
| Average total loans | $14,976,800 | 4,653 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9476% | 4,083 |
| Cost of funding earning assets | 0.8437% | 201 |
| Net interest margin | 2.1039% | 4,625 |
| Noninterest income to average assets | 0.3996% | 3,084 |
| Noninterest expense to average assets | 2.3162% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.0484% | 4,759 |
| Return on assets (ROA) | 0.0260% | 4,742 |
| Pretax return on assets | 0.0650% | 4,729 |
| Return on Equity (ROE) | 0.1172% | 4,748 |
| Retained earnings to average equity (ytd only) | 0.1172% | 4,546 |
| Net charge-offs to loans | 0.0177% | 1,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | -4.5000% | 2,429 |
| Efficiency ratio | 101.2784% | 147 |
| Assets per employee ($millions) | 8.2670% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9303% | 732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 3,484 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 34.5373% | 4,444 |
| Net loans and leases to deposits | 49.2378% | 4,048 |
| Net loans and leases to core deposits | 51.3950% | 4,067 |
| Total domestic deposits to total assets | 70.1439% | 4,729 |
| Equity capital to assets | 21.6669% | 141 |
| Core capital (leverage) ratio | 21.8871% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1848% | 124 |
| Memoranda: | ||
| Average total assets | $41,044,000 | 4,718 |
| Average earning assets | $36,819,750 | 4,715 |
| Average equity | $9,097,750 | 4,293 |
| Average total loans | $15,083,500 | 4,716 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9739% | 4,089 |
| Cost of funding earning assets | 0.8660% | 211 |
| Net interest margin | 2.1079% | 4,650 |
| Noninterest income to average assets | 0.3175% | 3,524 |
| Noninterest expense to average assets | 2.2566% | 2,895 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0733% | 4,733 |
| Return on assets (ROA) | 0.2247% | 4,624 |
| Pretax return on assets | 0.1026% | 4,731 |
| Return on Equity (ROE) | 1.0060% | 4,700 |
| Retained earnings to average equity (ytd only) | 1.0060% | 4,338 |
| Net charge-offs to loans | 0.0262% | 1,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 2,224 |
| Efficiency ratio | 102.2124% | 149 |
| Assets per employee ($millions) | 8.2164% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8666% | 784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 3,310 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 35.9598% | 4,461 |
| Net loans and leases to deposits | 51.6629% | 4,015 |
| Net loans and leases to core deposits | 53.9476% | 4,025 |
| Total domestic deposits to total assets | 69.6047% | 4,764 |
| Equity capital to assets | 22.2044% | 123 |
| Core capital (leverage) ratio | 22.4370% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.4898% | 120 |
| Memoranda: | ||
| Average total assets | $40,947,000 | 4,754 |
| Average earning assets | $36,719,000 | 4,749 |
| Average equity | $9,145,000 | 4,310 |
| Average total loans | $15,259,000 | 4,749 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9725% | 4,143 |
| Cost of funding earning assets | 0.8928% | 230 |
| Net interest margin | 2.0797% | 4,688 |
| Noninterest income to average assets | 0.3914% | 3,136 |
| Noninterest expense to average assets | 2.2603% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1859% | 4,644 |
| Return on assets (ROA) | 0.2153% | 4,647 |
| Pretax return on assets | 0.0294% | 4,771 |
| Return on Equity (ROE) | 0.9611% | 4,715 |
| Retained earnings to average equity (ytd only) | 0.9611% | 4,225 |
| Net charge-offs to loans | 0.0521% | 982 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 1,888 |
| Efficiency ratio | 100.0000% | 187 |
| Assets per employee ($millions) | 8.1486% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9366% | 691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 3,462 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 34.9238% | 4,550 |
| Net loans and leases to deposits | 48.3618% | 4,251 |
| Net loans and leases to core deposits | 50.4270% | 4,276 |
| Total domestic deposits to total assets | 72.2136% | 4,715 |
| Equity capital to assets | 22.0455% | 123 |
| Core capital (leverage) ratio | 21.8890% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.0503% | 127 |
| Memoranda: | ||
| Average total assets | $40,879,500 | 4,775 |
| Average earning assets | $36,736,500 | 4,770 |
| Average equity | $9,156,500 | 4,316 |
| Average total loans | $15,361,500 | 4,779 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5743% | 3,862 |
| Cost of funding earning assets | 1.0764% | 442 |
| Net interest margin | 2.4979% | 4,595 |
| Noninterest income to average assets | 0.2757% | 3,827 |
| Noninterest expense to average assets | 2.3464% | 3,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3720% | 4,300 |
| Return on assets (ROA) | 0.3798% | 4,365 |
| Pretax return on assets | 0.1587% | 4,674 |
| Return on Equity (ROE) | 1.5880% | 4,611 |
| Retained earnings to average equity (ytd only) | 1.5880% | 3,998 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9583% | 269 |
| Assets per employee ($millions) | 8.2032% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7455% | 955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 3,587 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 38.8385% | 4,482 |
| Net loans and leases to deposits | 54.2889% | 4,100 |
| Net loans and leases to core deposits | 57.1316% | 4,085 |
| Total domestic deposits to total assets | 71.5404% | 4,733 |
| Equity capital to assets | 22.7497% | 119 |
| Core capital (leverage) ratio | 22.8690% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1778% | 124 |
| Memoranda: | ||
| Average total assets | $38,441,600 | 4,790 |
| Average earning assets | $34,188,600 | 4,793 |
| Average equity | $9,194,200 | 4,286 |
| Average total loans | $17,174,800 | 4,768 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6861% | 3,827 |
| Cost of funding earning assets | 1.1106% | 517 |
| Net interest margin | 2.5755% | 4,593 |
| Noninterest income to average assets | 0.3034% | 3,671 |
| Noninterest expense to average assets | 2.3987% | 3,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4445% | 4,177 |
| Return on assets (ROA) | 0.4445% | 4,242 |
| Pretax return on assets | 0.1870% | 4,666 |
| Return on Equity (ROE) | 1.8340% | 4,577 |
| Retained earnings to average equity (ytd only) | 1.8340% | 3,987 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7694% | 289 |
| Assets per employee ($millions) | 7.8344% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6300% | 1,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 2,670 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 43.6000% | 4,435 |
| Net loans and leases to deposits | 62.1190% | 3,923 |
| Net loans and leases to core deposits | 65.5850% | 3,916 |
| Total domestic deposits to total assets | 70.1879% | 4,749 |
| Equity capital to assets | 23.7542% | 112 |
| Core capital (leverage) ratio | 23.9449% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.0929% | 134 |
| Memoranda: | ||
| Average total assets | $37,798,000 | 4,820 |
| Average earning assets | $33,494,000 | 4,830 |
| Average equity | $9,160,000 | 4,306 |
| Average total loans | $17,415,250 | 4,796 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7134% | 4,057 |
| Cost of funding earning assets | 1.1388% | 633 |
| Net interest margin | 2.5745% | 4,677 |
| Noninterest income to average assets | 0.3642% | 3,300 |
| Noninterest expense to average assets | 2.3514% | 3,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3749% | 4,282 |
| Return on assets (ROA) | 0.3749% | 4,341 |
| Pretax return on assets | 0.2892% | 4,551 |
| Return on Equity (ROE) | 1.5365% | 4,611 |
| Retained earnings to average equity (ytd only) | 1.5365% | 3,924 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0467% | 413 |
| Assets per employee ($millions) | 7.6290% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 956 |
| Loan loss allowance to noncurrent loans | 28,300.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.7000% | 1,757 |
| Noncurrent loans to loans | 0.0057% | 4,498 |
| Net loans and leases to total assets | 44.9705% | 4,405 |
| Net loans and leases to deposits | 65.9085% | 3,730 |
| Net loans and leases to core deposits | 68.9553% | 3,789 |
| Total domestic deposits to total assets | 68.2317% | 4,835 |
| Equity capital to assets | 24.2496% | 108 |
| Core capital (leverage) ratio | 24.2510% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.7014% | 143 |
| Memoranda: | ||
| Average total assets | $37,340,000 | 4,848 |
| Average earning assets | $33,016,000 | 4,858 |
| Average equity | $9,111,667 | 4,329 |
| Average total loans | $17,433,000 | 4,821 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 4,167 |
| Cost of funding earning assets | 1.2246% | 708 |
| Net interest margin | 2.6084% | 4,746 |
| Noninterest income to average assets | 0.4548% | 2,765 |
| Noninterest expense to average assets | 2.3607% | 3,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4873% | 3,925 |
| Return on assets (ROA) | 0.4873% | 3,983 |
| Pretax return on assets | 0.4007% | 4,295 |
| Return on Equity (ROE) | 1.9906% | 4,445 |
| Retained earnings to average equity (ytd only) | 1.9906% | 3,447 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4902% | 734 |
| Assets per employee ($millions) | 7.3440% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6327% | 991 |
| Loan loss allowance to noncurrent loans | 1,489.4737% | 396 |
| Noncurrent assets plus other real estate owned to assets | 1.1683% | 1,080 |
| Noncurrent loans to loans | 0.1096% | 4,078 |
| Net loans and leases to total assets | 46.4325% | 4,405 |
| Net loans and leases to deposits | 67.6051% | 3,753 |
| Net loans and leases to core deposits | 70.8174% | 3,824 |
| Total domestic deposits to total assets | 68.6819% | 4,903 |
| Equity capital to assets | 24.8448% | 115 |
| Core capital (leverage) ratio | 24.5432% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.5428% | 146 |
| Memoranda: | ||
| Average total assets | $36,937,500 | 4,893 |
| Average earning assets | $32,663,500 | 4,895 |
| Average equity | $9,042,500 | 4,364 |
| Average total loans | $17,431,000 | 4,860 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 4,031 |
| Cost of funding earning assets | 1.3920% | 582 |
| Net interest margin | 2.7116% | 4,833 |
| Noninterest income to average assets | 0.2593% | 4,122 |
| Noninterest expense to average assets | 2.3632% | 3,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1747% | 4,864 |
| Return on assets (ROA) | 0.1747% | 4,888 |
| Pretax return on assets | 0.2726% | 4,840 |
| Return on Equity (ROE) | 0.7444% | 4,944 |
| Retained earnings to average equity (ytd only) | 0.7444% | 4,473 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6586% | 366 |
| Assets per employee ($millions) | 7.4310% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6145% | 953 |
| Loan loss allowance to noncurrent loans | 274.7573% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 1.3807% | 765 |
| Noncurrent loans to loans | 0.5876% | 2,422 |
| Net loans and leases to total assets | 46.4164% | 4,502 |
| Net loans and leases to deposits | 69.5235% | 3,709 |
| Net loans and leases to core deposits | 71.8105% | 3,865 |
| Total domestic deposits to total assets | 66.7636% | 5,017 |
| Equity capital to assets | 24.1206% | 133 |
| Core capital (leverage) ratio | 24.1168% | 136 |
| Tier 1 risk-based capital ratio | 39.1477% | 251 |
| Total risk-based capital ratio | 40.3962% | 250 |
| Memoranda: | ||
| Average total assets | $37,787,000 | 4,926 |
| Average earning assets | $33,117,400 | 4,942 |
| Average equity | $8,865,800 | 4,395 |
| Average total loans | $17,744,000 | 4,907 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 3,897 |
| Cost of funding earning assets | 1.4197% | 540 |
| Net interest margin | 2.7911% | 4,866 |
| Noninterest income to average assets | 0.2776% | 4,088 |
| Noninterest expense to average assets | 2.3999% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4041% | 4,716 |
| Return on assets (ROA) | 0.4041% | 4,743 |
| Pretax return on assets | 0.3162% | 4,886 |
| Return on Equity (ROE) | 1.7342% | 4,932 |
| Retained earnings to average equity (ytd only) | 1.7342% | 4,355 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3571% | 379 |
| Assets per employee ($millions) | 7.4124% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 1,001 |
| Loan loss allowance to noncurrent loans | 283.0000% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 1.6702% | 619 |
| Noncurrent loans to loans | 0.5644% | 2,606 |
| Net loans and leases to total assets | 47.0428% | 4,547 |
| Net loans and leases to deposits | 71.2884% | 3,661 |
| Net loans and leases to core deposits | 73.6555% | 3,849 |
| Total domestic deposits to total assets | 65.9894% | 5,097 |
| Equity capital to assets | 24.4185% | 135 |
| Core capital (leverage) ratio | 23.9647% | 140 |
| Tier 1 risk-based capital ratio | 39.5681% | 250 |
| Total risk-based capital ratio | 40.8230% | 250 |
| Memoranda: | ||
| Average total assets | $37,945,000 | 5,000 |
| Average earning assets | $33,152,500 | 5,017 |
| Average equity | $8,841,750 | 4,446 |
| Average total loans | $17,797,750 | 4,984 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3400% | 3,515 |
| Cost of funding earning assets | 1.3969% | 540 |
| Net interest margin | 2.9431% | 4,765 |
| Noninterest income to average assets | 0.2929% | 3,979 |
| Noninterest expense to average assets | 2.4007% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5230% | 4,473 |
| Return on assets (ROA) | 0.5230% | 4,503 |
| Pretax return on assets | 0.4707% | 4,737 |
| Return on Equity (ROE) | 2.2799% | 4,904 |
| Retained earnings to average equity (ytd only) | 2.2799% | 4,022 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6066% | 681 |
| Assets per employee ($millions) | 7.5724% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 1,047 |
| Loan loss allowance to noncurrent loans | 230.0813% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 1.6956% | 621 |
| Noncurrent loans to loans | 0.6909% | 2,243 |
| Net loans and leases to total assets | 46.2759% | 4,635 |
| Net loans and leases to deposits | 70.7833% | 3,782 |
| Net loans and leases to core deposits | 73.0955% | 3,938 |
| Total domestic deposits to total assets | 65.3769% | 5,155 |
| Equity capital to assets | 23.6966% | 144 |
| Core capital (leverage) ratio | 23.6406% | 140 |
| Tier 1 risk-based capital ratio | 39.3776% | 243 |
| Total risk-based capital ratio | 40.6286% | 241 |
| Memoranda: | ||
| Average total assets | $38,239,330 | 5,034 |
| Average earning assets | $33,502,330 | 5,057 |
| Average equity | $8,772,330 | 4,472 |
| Average total loans | $17,824,330 | 5,030 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 4,718 |
| Cost of funding earning assets | 1.3432% | 567 |
| Net interest margin | 2.4508% | 5,207 |
| Noninterest income to average assets | 0.3851% | 3,293 |
| Noninterest expense to average assets | 2.3108% | 3,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3851% | 4,759 |
| Return on assets (ROA) | 0.3851% | 4,771 |
| Pretax return on assets | 0.2394% | 5,009 |
| Return on Equity (ROE) | 1.7065% | 5,000 |
| Retained earnings to average equity (ytd only) | 1.7065% | 4,136 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6122% | 372 |
| Assets per employee ($millions) | 7.6704% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 1,111 |
| Loan loss allowance to noncurrent loans | 41.1337% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 3.1472% | 190 |
| Noncurrent loans to loans | 3.8320% | 211 |
| Net loans and leases to total assets | 46.0758% | 4,667 |
| Net loans and leases to deposits | 70.4557% | 3,738 |
| Net loans and leases to core deposits | 72.7142% | 3,892 |
| Total domestic deposits to total assets | 65.3969% | 5,215 |
| Equity capital to assets | 22.8906% | 152 |
| Core capital (leverage) ratio | 23.3367% | 145 |
| Tier 1 risk-based capital ratio | 39.3278% | 246 |
| Total risk-based capital ratio | 40.5860% | 242 |
| Memoranda: | ||
| Average total assets | $38,428,000 | 5,084 |
| Average earning assets | $33,948,500 | 5,101 |
| Average equity | $8,672,500 | 4,514 |
| Average total loans | $17,834,500 | 5,084 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6270% | 4,769 |
| Cost of funding earning assets | 1.2071% | 330 |
| Net interest margin | 2.4199% | 5,243 |
| Noninterest income to average assets | 0.2510% | 4,422 |
| Noninterest expense to average assets | 2.2209% | 4,289 |
| Loan and lease loss provision to assets | 0.0128% | 3,886 |
| Net operating income to assets | 0.4124% | 4,840 |
| Return on assets (ROA) | 0.4124% | 4,832 |
| Pretax return on assets | 0.1588% | 5,142 |
| Return on Equity (ROE) | 1.9020% | 5,056 |
| Retained earnings to average equity (ytd only) | 1.9020% | 4,389 |
| Net charge-offs to loans | -0.0114% | 4,532 |
| Credit loss provision to net charge-offs | -250.0000% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8266% | 262 |
| Assets per employee ($millions) | 7.7008% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 1,040 |
| Loan loss allowance to noncurrent loans | 41.1337% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 3.1347% | 186 |
| Noncurrent loans to loans | 3.8837% | 198 |
| Net loans and leases to total assets | 45.2732% | 4,769 |
| Net loans and leases to deposits | 69.8986% | 3,836 |
| Net loans and leases to core deposits | 72.1404% | 3,981 |
| Total domestic deposits to total assets | 64.7699% | 5,266 |
| Equity capital to assets | 22.2470% | 167 |
| Core capital (leverage) ratio | 22.9196% | 145 |
| Tier 1 risk-based capital ratio | 39.1780% | 242 |
| Total risk-based capital ratio | 40.4368% | 240 |
| Memoranda: | ||
| Average total assets | $39,038,800 | 5,112 |
| Average earning assets | $34,546,200 | 5,121 |
| Average equity | $8,464,600 | 4,534 |
| Average total loans | $17,544,800 | 5,134 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5427% | 4,891 |
| Cost of funding earning assets | 1.1617% | 305 |
| Net interest margin | 2.3810% | 5,327 |
| Noninterest income to average assets | 0.2655% | 4,376 |
| Noninterest expense to average assets | 2.2396% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2791% | 5,116 |
| Return on assets (ROA) | 0.2791% | 5,110 |
| Pretax return on assets | 0.1327% | 5,237 |
| Return on Equity (ROE) | 1.2955% | 5,206 |
| Retained earnings to average equity (ytd only) | 1.2955% | 4,782 |
| Net charge-offs to loans | -0.0076% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4046% | 236 |
| Assets per employee ($millions) | 7.8306% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 1,195 |
| Loan loss allowance to noncurrent loans | 38.2597% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 3.1747% | 216 |
| Noncurrent loans to loans | 4.0481% | 201 |
| Net loans and leases to total assets | 44.9723% | 4,842 |
| Net loans and leases to deposits | 68.2322% | 4,043 |
| Net loans and leases to core deposits | 71.0516% | 4,126 |
| Total domestic deposits to total assets | 65.9107% | 5,322 |
| Equity capital to assets | 21.2372% | 186 |
| Core capital (leverage) ratio | 22.1582% | 162 |
| Tier 1 risk-based capital ratio | 39.6773% | 240 |
| Total risk-based capital ratio | 40.9364% | 237 |
| Memoranda: | ||
| Average total assets | $39,172,500 | 5,170 |
| Average earning assets | $34,661,750 | 5,180 |
| Average equity | $8,439,250 | 4,580 |
| Average total loans | $17,502,250 | 5,195 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 4,321 |
| Cost of funding earning assets | 1.1181% | 269 |
| Net interest margin | 2.6916% | 5,225 |
| Noninterest income to average assets | 0.2806% | 4,305 |
| Noninterest expense to average assets | 2.1941% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5205% | 4,702 |
| Return on assets (ROA) | 0.5205% | 4,705 |
| Pretax return on assets | 0.4694% | 4,958 |
| Return on Equity (ROE) | 2.4008% | 5,117 |
| Retained earnings to average equity (ytd only) | 2.4008% | 4,308 |
| Net charge-offs to loans | -0.0115% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3755% | 808 |
| Assets per employee ($millions) | 7.7846% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5942% | 1,130 |
| Loan loss allowance to noncurrent loans | 232.7731% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 1.6391% | 770 |
| Noncurrent loans to loans | 0.6849% | 2,396 |
| Net loans and leases to total assets | 43.9278% | 4,907 |
| Net loans and leases to deposits | 64.4162% | 4,259 |
| Net loans and leases to core deposits | 67.0168% | 4,311 |
| Total domestic deposits to total assets | 68.1936% | 5,331 |
| Equity capital to assets | 21.6941% | 171 |
| Core capital (leverage) ratio | 22.3528% | 153 |
| Tier 1 risk-based capital ratio | 39.7727% | 230 |
| Total risk-based capital ratio | 41.0318% | 227 |
| Memoranda: | ||
| Average total assets | $39,195,330 | 5,230 |
| Average earning assets | $34,700,670 | 5,242 |
| Average equity | $8,497,000 | 4,613 |
| Average total loans | $17,374,670 | 5,255 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8247% | 4,150 |
| Cost of funding earning assets | 1.1026% | 226 |
| Net interest margin | 2.7221% | 5,240 |
| Noninterest income to average assets | 0.3559% | 3,765 |
| Noninterest expense to average assets | 2.1052% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6814% | 4,165 |
| Return on assets (ROA) | 0.6814% | 4,171 |
| Pretax return on assets | 0.6610% | 4,544 |
| Return on Equity (ROE) | 3.1442% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.1442% | 3,947 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1029% | 1,581 |
| Assets per employee ($millions) | 7.8398% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 1,143 |
| Loan loss allowance to noncurrent loans | 257.9439% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 1.5970% | 850 |
| Noncurrent loans to loans | 0.6235% | 2,671 |
| Net loans and leases to total assets | 43.0776% | 4,940 |
| Net loans and leases to deposits | 62.9934% | 4,275 |
| Net loans and leases to core deposits | 65.5055% | 4,345 |
| Total domestic deposits to total assets | 68.3844% | 5,408 |
| Equity capital to assets | 21.6051% | 166 |
| Core capital (leverage) ratio | 21.9837% | 155 |
| Tier 1 risk-based capital ratio | 39.7147% | 228 |
| Total risk-based capital ratio | 40.9725% | 227 |
| Memoranda: | ||
| Average total assets | $39,331,500 | 5,285 |
| Average earning assets | $34,826,000 | 5,296 |
| Average equity | $8,523,500 | 4,660 |
| Average total loans | $17,374,500 | 5,318 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9155% | 3,671 |
| Cost of funding earning assets | 1.0122% | 200 |
| Net interest margin | 2.9033% | 5,039 |
| Noninterest income to average assets | 0.3081% | 4,252 |
| Noninterest expense to average assets | 2.6057% | 3,428 |
| Loan and lease loss provision to assets | 0.1463% | 1,558 |
| Net operating income to assets | 0.1149% | 5,244 |
| Return on assets (ROA) | 0.6521% | 3,848 |
| Pretax return on assets | 0.7034% | 4,501 |
| Return on Equity (ROE) | 2.9549% | 4,839 |
| Retained earnings to average equity (ytd only) | 2.9549% | 3,534 |
| Net charge-offs to loans | -0.0512% | 5,194 |
| Credit loss provision to net charge-offs | -633.3333% | 4,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5442% | 404 |
| Assets per employee ($millions) | 7.9022% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,215 |
| Loan loss allowance to noncurrent loans | 260.3774% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 1.5818% | 841 |
| Noncurrent loans to loans | 0.6027% | 2,725 |
| Net loans and leases to total assets | 43.8131% | 4,984 |
| Net loans and leases to deposits | 64.3986% | 4,297 |
| Net loans and leases to core deposits | 66.3104% | 4,397 |
| Total domestic deposits to total assets | 68.0342% | 5,474 |
| Equity capital to assets | 21.8294% | 155 |
| Core capital (leverage) ratio | 22.1644% | 135 |
| Tier 1 risk-based capital ratio | 39.3590% | 225 |
| Total risk-based capital ratio | 40.6084% | 221 |
| Memoranda: | ||
| Average total assets | $38,953,400 | 5,342 |
| Average earning assets | $34,478,000 | 5,360 |
| Average equity | $8,595,800 | 4,689 |
| Average total loans | $17,591,200 | 5,371 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9411% | 3,547 |
| Cost of funding earning assets | 0.9940% | 200 |
| Net interest margin | 2.9471% | 5,023 |
| Noninterest income to average assets | 0.3435% | 4,082 |
| Noninterest expense to average assets | 2.5420% | 3,593 |
| Loan and lease loss provision to assets | 0.1237% | 1,751 |
| Net operating income to assets | 0.2795% | 5,256 |
| Return on assets (ROA) | 0.6767% | 4,151 |
| Pretax return on assets | 0.6904% | 4,632 |
| Return on Equity (ROE) | 3.0583% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.0583% | 4,086 |
| Net charge-offs to loans | -0.0682% | 5,267 |
| Credit loss provision to net charge-offs | -400.0000% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1467% | 621 |
| Assets per employee ($millions) | 7.7788% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 1,720 |
| Loan loss allowance to noncurrent loans | 179.5775% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 1.9437% | 682 |
| Noncurrent loans to loans | 0.8043% | 2,348 |
| Net loans and leases to total assets | 44.7370% | 4,996 |
| Net loans and leases to deposits | 66.0642% | 4,248 |
| Net loans and leases to core deposits | 67.4053% | 4,393 |
| Total domestic deposits to total assets | 67.7174% | 5,544 |
| Equity capital to assets | 22.2836% | 145 |
| Core capital (leverage) ratio | 22.5715% | 136 |
| Tier 1 risk-based capital ratio | 40.6887% | 214 |
| Total risk-based capital ratio | 41.8900% | 209 |
| Memoranda: | ||
| Average total assets | $38,814,000 | 5,404 |
| Average earning assets | $34,338,000 | 5,420 |
| Average equity | $8,588,500 | 4,735 |
| Average total loans | $17,592,250 | 5,430 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 3,351 |
| Cost of funding earning assets | 0.9736% | 197 |
| Net interest margin | 2.9850% | 4,944 |
| Noninterest income to average assets | 0.3970% | 3,709 |
| Noninterest expense to average assets | 2.4802% | 3,812 |
| Loan and lease loss provision to assets | 0.1856% | 1,018 |
| Net operating income to assets | 0.3238% | 5,164 |
| Return on assets (ROA) | 0.8456% | 3,223 |
| Pretax return on assets | 0.9642% | 3,708 |
| Return on Equity (ROE) | 3.8307% | 4,867 |
| Retained earnings to average equity (ytd only) | 3.8307% | 3,412 |
| Net charge-offs to loans | -0.0569% | 5,229 |
| Credit loss provision to net charge-offs | -720.0000% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6638% | 1,036 |
| Assets per employee ($millions) | 7.7386% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 1,863 |
| Loan loss allowance to noncurrent loans | 251.0000% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 1.9642% | 660 |
| Noncurrent loans to loans | 0.5656% | 3,042 |
| Net loans and leases to total assets | 45.0469% | 4,988 |
| Net loans and leases to deposits | 66.5903% | 4,181 |
| Net loans and leases to core deposits | 67.9479% | 4,352 |
| Total domestic deposits to total assets | 67.6479% | 5,605 |
| Equity capital to assets | 22.3477% | 137 |
| Core capital (leverage) ratio | 22.3040% | 135 |
| Tier 1 risk-based capital ratio | 40.2771% | 208 |
| Total risk-based capital ratio | 41.4521% | 203 |
| Memoranda: | ||
| Average total assets | $38,787,330 | 5,449 |
| Average earning assets | $34,304,330 | 5,467 |
| Average equity | $8,562,330 | 4,759 |
| Average total loans | $17,571,330 | 5,474 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 3,295 |
| Cost of funding earning assets | 0.9410% | 222 |
| Net interest margin | 2.9858% | 4,918 |
| Noninterest income to average assets | 0.4017% | 3,650 |
| Noninterest expense to average assets | 2.3381% | 4,299 |
| Loan and lease loss provision to assets | 0.2987% | 455 |
| Net operating income to assets | 0.3296% | 5,129 |
| Return on assets (ROA) | 1.2772% | 1,334 |
| Pretax return on assets | 1.5965% | 1,247 |
| Return on Equity (ROE) | 5.8216% | 3,994 |
| Retained earnings to average equity (ytd only) | 5.8216% | 2,428 |
| Net charge-offs to loans | 0.7992% | 210 |
| Credit loss provision to net charge-offs | 82.8571% | 1,742 |
| Earnings coverage of net charge-offs (x) | 1.9714% | 2,655 |
| Efficiency ratio | 76.6892% | 1,809 |
| Assets per employee ($millions) | 7.8014% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 3,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4049% | 1,184 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 44.4254% | 5,014 |
| Net loans and leases to deposits | 64.8201% | 4,261 |
| Net loans and leases to core deposits | 66.1109% | 4,419 |
| Total domestic deposits to total assets | 68.5364% | 5,669 |
| Equity capital to assets | 21.9320% | 147 |
| Core capital (leverage) ratio | 22.1601% | 133 |
| Tier 1 risk-based capital ratio | 40.5281% | 217 |
| Total risk-based capital ratio | 41.4935% | 219 |
| Memoranda: | ||
| Average total assets | $38,834,500 | 5,512 |
| Average earning assets | $34,430,000 | 5,528 |
| Average equity | $8,520,000 | 4,807 |
| Average total loans | $17,516,500 | 5,536 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 3,257 |
| Cost of funding earning assets | 0.8629% | 359 |
| Net interest margin | 3.1209% | 4,671 |
| Noninterest income to average assets | 0.2409% | 4,984 |
| Noninterest expense to average assets | 2.4326% | 4,204 |
| Loan and lease loss provision to assets | 0.2435% | 866 |
| Net operating income to assets | 0.3541% | 5,070 |
| Return on assets (ROA) | 0.6347% | 4,181 |
| Pretax return on assets | 0.6710% | 4,584 |
| Return on Equity (ROE) | 2.8391% | 5,200 |
| Retained earnings to average equity (ytd only) | 2.8391% | 3,874 |
| Net charge-offs to loans | 0.2465% | 1,122 |
| Credit loss provision to net charge-offs | 213.6364% | 1,333 |
| Earnings coverage of net charge-offs (x) | 5.4318% | 3,342 |
| Efficiency ratio | 79.7114% | 1,452 |
| Assets per employee ($millions) | 7.7324% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 3,126 |
| Loan loss allowance to noncurrent loans | 45.3564% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 1.5079% | 1,098 |
| Noncurrent loans to loans | 2.6457% | 577 |
| Net loans and leases to total assets | 44.7209% | 5,076 |
| Net loans and leases to deposits | 65.3390% | 4,304 |
| Net loans and leases to core deposits | 66.0150% | 4,524 |
| Total domestic deposits to total assets | 68.4445% | 5,703 |
| Equity capital to assets | 21.9466% | 150 |
| Core capital (leverage) ratio | 21.7717% | 143 |
| Tier 1 risk-based capital ratio | 40.5574% | 214 |
| Total risk-based capital ratio | 41.5666% | 213 |
| Memoranda: | ||
| Average total assets | $38,600,600 | 5,567 |
| Average earning assets | $34,765,400 | 5,575 |
| Average equity | $8,629,400 | 4,816 |
| Average total loans | $17,851,800 | 5,580 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 3,129 |
| Cost of funding earning assets | 0.8514% | 378 |
| Net interest margin | 3.1728% | 4,567 |
| Noninterest income to average assets | 0.2592% | 4,908 |
| Noninterest expense to average assets | 2.3981% | 4,283 |
| Loan and lease loss provision to assets | 0.1555% | 1,497 |
| Net operating income to assets | 0.5598% | 4,459 |
| Return on assets (ROA) | 0.5598% | 4,562 |
| Pretax return on assets | 0.5771% | 4,936 |
| Return on Equity (ROE) | 2.4925% | 5,353 |
| Retained earnings to average equity (ytd only) | 2.4925% | 4,427 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6004% | 1,897 |
| Assets per employee ($millions) | 7.7238% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 3,552 |
| Loan loss allowance to noncurrent loans | 29.5815% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 1.7945% | 918 |
| Noncurrent loans to loans | 3.8800% | 295 |
| Net loans and leases to total assets | 45.7184% | 5,110 |
| Net loans and leases to deposits | 67.6061% | 4,191 |
| Net loans and leases to core deposits | 68.3176% | 4,437 |
| Total domestic deposits to total assets | 67.6247% | 5,776 |
| Equity capital to assets | 22.7272% | 143 |
| Core capital (leverage) ratio | 21.9776% | 140 |
| Tier 1 risk-based capital ratio | 41.1189% | 208 |
| Total risk-based capital ratio | 42.1275% | 210 |
| Memoranda: | ||
| Average total assets | $38,585,250 | 5,622 |
| Average earning assets | $34,920,500 | 5,626 |
| Average equity | $8,665,500 | 4,859 |
| Average total loans | $17,939,750 | 5,635 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0651% | 3,006 |
| Cost of funding earning assets | 0.8324% | 412 |
| Net interest margin | 3.2327% | 4,437 |
| Noninterest income to average assets | 0.2904% | 4,710 |
| Noninterest expense to average assets | 2.3176% | 4,557 |
| Loan and lease loss provision to assets | 0.1555% | 1,467 |
| Net operating income to assets | 0.6844% | 3,877 |
| Return on assets (ROA) | 0.6844% | 4,021 |
| Pretax return on assets | 0.7570% | 4,433 |
| Return on Equity (ROE) | 3.0597% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.0597% | 3,967 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7496% | 2,704 |
| Assets per employee ($millions) | 7.6972% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 4,181 |
| Loan loss allowance to noncurrent loans | 45.1306% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0939% | 1,933 |
| Noncurrent loans to loans | 2.3438% | 769 |
| Net loans and leases to total assets | 46.1778% | 5,115 |
| Net loans and leases to deposits | 68.4908% | 4,134 |
| Net loans and leases to core deposits | 69.2137% | 4,389 |
| Total domestic deposits to total assets | 67.4219% | 5,852 |
| Equity capital to assets | 22.8707% | 135 |
| Core capital (leverage) ratio | 22.0428% | 133 |
| Tier 1 risk-based capital ratio | 41.6150% | 211 |
| Total risk-based capital ratio | 42.5645% | 212 |
| Memoranda: | ||
| Average total assets | $38,574,000 | 5,684 |
| Average earning assets | $35,079,000 | 5,690 |
| Average equity | $8,628,330 | 4,902 |
| Average total loans | $17,966,000 | 5,701 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 2,862 |
| Cost of funding earning assets | 0.8326% | 418 |
| Net interest margin | 3.2619% | 4,353 |
| Noninterest income to average assets | 0.3936% | 3,878 |
| Noninterest expense to average assets | 2.2477% | 4,788 |
| Loan and lease loss provision to assets | 0.2486% | 708 |
| Net operating income to assets | 0.7458% | 3,508 |
| Return on assets (ROA) | 0.7458% | 3,612 |
| Pretax return on assets | 0.8597% | 4,005 |
| Return on Equity (ROE) | 3.3718% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.3718% | 3,814 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9753% | 3,637 |
| Assets per employee ($millions) | 6.4238% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 4,474 |
| Loan loss allowance to noncurrent loans | 43.7055% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.0923% | 2,022 |
| Noncurrent loans to loans | 2.3427% | 844 |
| Net loans and leases to total assets | 46.1485% | 5,104 |
| Net loans and leases to deposits | 67.8660% | 4,074 |
| Net loans and leases to core deposits | 68.5751% | 4,351 |
| Total domestic deposits to total assets | 67.9994% | 5,925 |
| Equity capital to assets | 22.4113% | 144 |
| Core capital (leverage) ratio | 21.6584% | 141 |
| Tier 1 risk-based capital ratio | 41.2628% | 219 |
| Total risk-based capital ratio | 42.1812% | 218 |
| Memoranda: | ||
| Average total assets | $38,618,000 | 5,741 |
| Average earning assets | $35,072,000 | 5,744 |
| Average equity | $8,541,500 | 4,948 |
| Average total loans | $17,968,000 | 5,752 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1242% | 2,831 |
| Cost of funding earning assets | 0.8094% | 468 |
| Net interest margin | 3.3148% | 4,228 |
| Noninterest income to average assets | 0.2745% | 4,920 |
| Noninterest expense to average assets | 2.3126% | 4,745 |
| Loan and lease loss provision to assets | 0.1994% | 1,082 |
| Net operating income to assets | 0.8986% | 2,878 |
| Return on assets (ROA) | 0.8986% | 2,957 |
| Pretax return on assets | 0.7640% | 4,320 |
| Return on Equity (ROE) | 4.1838% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.1838% | 3,010 |
| Net charge-offs to loans | 1.2332% | 143 |
| Credit loss provision to net charge-offs | 35.4839% | 3,587 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 4,041 |
| Efficiency ratio | 70.5929% | 3,127 |
| Assets per employee ($millions) | 7.7386% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 5,118 |
| Loan loss allowance to noncurrent loans | 32.1285% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 1.2871% | 1,651 |
| Noncurrent loans to loans | 2.7721% | 626 |
| Net loans and leases to total assets | 46.0161% | 5,161 |
| Net loans and leases to deposits | 67.0647% | 4,216 |
| Net loans and leases to core deposits | 67.7563% | 4,465 |
| Total domestic deposits to total assets | 68.6145% | 5,952 |
| Equity capital to assets | 21.8257% | 152 |
| Core capital (leverage) ratio | 21.4045% | 147 |
| Tier 1 risk-based capital ratio | 40.8188% | 220 |
| Total risk-based capital ratio | 41.6156% | 222 |
| Memoranda: | ||
| Average total assets | $38,614,400 | 5,795 |
| Average earning assets | $34,964,200 | 5,786 |
| Average equity | $8,293,800 | 5,006 |
| Average total loans | $17,596,600 | 5,806 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 2,775 |
| Cost of funding earning assets | 0.8121% | 457 |
| Net interest margin | 3.3285% | 4,222 |
| Noninterest income to average assets | 0.2867% | 4,899 |
| Noninterest expense to average assets | 2.2662% | 4,870 |
| Loan and lease loss provision to assets | 0.2660% | 617 |
| Net operating income to assets | 0.8049% | 3,406 |
| Return on assets (ROA) | 0.8049% | 3,500 |
| Pretax return on assets | 0.7704% | 4,423 |
| Return on Equity (ROE) | 3.7628% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.7628% | 3,795 |
| Net charge-offs to loans | 0.9674% | 198 |
| Credit loss provision to net charge-offs | 60.6299% | 2,901 |
| Earnings coverage of net charge-offs (x) | 2.3622% | 3,682 |
| Efficiency ratio | 68.6192% | 3,432 |
| Assets per employee ($millions) | 7.8350% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 2,446 |
| Loan loss allowance to noncurrent loans | 45.3721% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 1.4065% | 1,634 |
| Noncurrent loans to loans | 3.1565% | 534 |
| Net loans and leases to total assets | 43.9209% | 5,362 |
| Net loans and leases to deposits | 63.4767% | 4,601 |
| Net loans and leases to core deposits | 64.1178% | 4,809 |
| Total domestic deposits to total assets | 69.1921% | 6,000 |
| Equity capital to assets | 21.3529% | 177 |
| Core capital (leverage) ratio | 20.8756% | 175 |
| Tier 1 risk-based capital ratio | 40.6805% | 240 |
| Total risk-based capital ratio | 41.9389% | 239 |
| Memoranda: | ||
| Average total assets | $38,594,750 | 5,873 |
| Average earning assets | $34,970,250 | 5,868 |
| Average equity | $8,256,000 | 5,079 |
| Average total loans | $17,504,500 | 5,882 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 2,670 |
| Cost of funding earning assets | 0.8061% | 481 |
| Net interest margin | 3.3567% | 4,073 |
| Noninterest income to average assets | 0.3385% | 4,534 |
| Noninterest expense to average assets | 2.1770% | 5,170 |
| Loan and lease loss provision to assets | 0.4010% | 294 |
| Net operating income to assets | 0.8646% | 3,064 |
| Return on assets (ROA) | 0.8646% | 3,163 |
| Pretax return on assets | 0.7968% | 4,326 |
| Return on Equity (ROE) | 4.0391% | 5,005 |
| Retained earnings to average equity (ytd only) | 4.0391% | 3,444 |
| Net charge-offs to loans | 1.4497% | 121 |
| Credit loss provision to net charge-offs | 60.6299% | 2,584 |
| Earnings coverage of net charge-offs (x) | 1.8110% | 3,449 |
| Efficiency ratio | 64.5062% | 4,271 |
| Assets per employee ($millions) | 7.8330% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 2,724 |
| Loan loss allowance to noncurrent loans | 45.1264% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 1.4145% | 1,772 |
| Noncurrent loans to loans | 3.1169% | 618 |
| Net loans and leases to total assets | 44.7440% | 5,331 |
| Net loans and leases to deposits | 64.2116% | 4,511 |
| Net loans and leases to core deposits | 64.9278% | 4,739 |
| Total domestic deposits to total assets | 69.6821% | 6,047 |
| Equity capital to assets | 20.8885% | 184 |
| Core capital (leverage) ratio | 20.3763% | 186 |
| Tier 1 risk-based capital ratio | 39.8667% | 264 |
| Total risk-based capital ratio | 41.1103% | 261 |
| Memoranda: | ||
| Average total assets | $38,401,330 | 5,938 |
| Average earning assets | $34,736,670 | 5,937 |
| Average equity | $8,219,670 | 5,122 |
| Average total loans | $17,520,670 | 5,941 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 2,564 |
| Cost of funding earning assets | 0.7926% | 526 |
| Net interest margin | 3.3802% | 3,916 |
| Noninterest income to average assets | 0.5050% | 3,254 |
| Noninterest expense to average assets | 2.1989% | 5,148 |
| Loan and lease loss provision to assets | 0.1578% | 1,289 |
| Net operating income to assets | 0.9679% | 2,406 |
| Return on assets (ROA) | 0.9679% | 2,540 |
| Pretax return on assets | 1.1994% | 2,672 |
| Return on Equity (ROE) | 4.4666% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.4666% | 3,339 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8343% | 4,823 |
| Assets per employee ($millions) | 7.7316% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 1,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 44.9428% | 5,273 |
| Net loans and leases to deposits | 65.3109% | 4,228 |
| Net loans and leases to core deposits | 66.6948% | 4,455 |
| Total domestic deposits to total assets | 68.8137% | 6,173 |
| Equity capital to assets | 21.5040% | 168 |
| Core capital (leverage) ratio | 21.0129% | 169 |
| Tier 1 risk-based capital ratio | 31.3985% | 480 |
| Total risk-based capital ratio | 32.6440% | 476 |
| Memoranda: | ||
| Average total assets | $38,019,500 | 6,001 |
| Average earning assets | $34,317,500 | 6,008 |
| Average equity | $8,239,000 | 5,150 |
| Average total loans | $17,394,000 | 5,998 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3930% | 2,246 |
| Cost of funding earning assets | 0.8332% | 554 |
| Net interest margin | 3.5597% | 3,555 |
| Noninterest income to average assets | 0.2658% | 5,228 |
| Noninterest expense to average assets | 2.3552% | 4,956 |
| Loan and lease loss provision to assets | 0.0851% | 2,773 |
| Net operating income to assets | 0.8607% | 3,060 |
| Return on assets (ROA) | 0.8320% | 3,307 |
| Pretax return on assets | 1.0048% | 3,475 |
| Return on Equity (ROE) | 3.9989% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.9989% | 3,363 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6853% | 3,945 |
| Assets per employee ($millions) | 7.4762% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 1,647 |
| Loan loss allowance to noncurrent loans | 196.0784% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 4,458 |
| Noncurrent loans to loans | 0.8948% | 3,078 |
| Net loans and leases to total assets | 44.9399% | 5,409 |
| Net loans and leases to deposits | 65.8345% | 4,347 |
| Net loans and leases to core deposits | 67.2902% | 4,571 |
| Total domestic deposits to total assets | 68.2620% | 6,258 |
| Equity capital to assets | 21.8426% | 157 |
| Core capital (leverage) ratio | 20.7000% | 185 |
| Tier 1 risk-based capital ratio | 32.6415% | 407 |
| Total risk-based capital ratio | 33.8893% | 400 |
| Memoranda: | ||
| Average total assets | $37,618,400 | 6,089 |
| Average earning assets | $33,963,400 | 6,091 |
| Average equity | $7,827,200 | 5,242 |
| Average total loans | $16,796,200 | 6,093 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4070% | 2,192 |
| Cost of funding earning assets | 0.8454% | 551 |
| Net interest margin | 3.5616% | 3,586 |
| Noninterest income to average assets | 0.2796% | 5,200 |
| Noninterest expense to average assets | 2.3285% | 5,031 |
| Loan and lease loss provision to assets | 0.1132% | 2,155 |
| Net operating income to assets | 0.8599% | 3,124 |
| Return on assets (ROA) | 0.8599% | 3,216 |
| Pretax return on assets | 1.0581% | 3,350 |
| Return on Equity (ROE) | 4.1844% | 5,094 |
| Retained earnings to average equity (ytd only) | 4.1844% | 3,673 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5319% | 4,129 |
| Assets per employee ($millions) | 7.5178% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 1,815 |
| Loan loss allowance to noncurrent loans | 370.3704% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 5,353 |
| Noncurrent loans to loans | 0.4733% | 4,484 |
| Net loans and leases to total assets | 44.7285% | 5,479 |
| Net loans and leases to deposits | 65.2273% | 4,412 |
| Net loans and leases to core deposits | 66.6548% | 4,645 |
| Total domestic deposits to total assets | 68.5733% | 6,325 |
| Equity capital to assets | 21.3227% | 182 |
| Core capital (leverage) ratio | 20.4749% | 197 |
| Tier 1 risk-based capital ratio | 32.5045% | 425 |
| Total risk-based capital ratio | 33.7582% | 417 |
| Memoranda: | ||
| Average total assets | $37,677,750 | 6,166 |
| Average earning assets | $34,066,000 | 6,162 |
| Average equity | $7,742,750 | 5,304 |
| Average total loans | $16,720,500 | 6,161 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 2,023 |
| Cost of funding earning assets | 0.8531% | 547 |
| Net interest margin | 3.5891% | 3,407 |
| Noninterest income to average assets | 0.3235% | 4,826 |
| Noninterest expense to average assets | 2.2860% | 5,187 |
| Loan and lease loss provision to assets | 0.1326% | 1,870 |
| Net operating income to assets | 0.9123% | 2,743 |
| Return on assets (ROA) | 0.9123% | 2,848 |
| Pretax return on assets | 1.1404% | 2,929 |
| Return on Equity (ROE) | 4.4956% | 4,920 |
| Retained earnings to average equity (ytd only) | 4.4956% | 3,314 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2325% | 4,658 |
| Assets per employee ($millions) | 7.6526% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7480% | 1,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 43.0416% | 5,603 |
| Net loans and leases to deposits | 61.7927% | 4,714 |
| Net loans and leases to core deposits | 63.0972% | 4,893 |
| Total domestic deposits to total assets | 69.6548% | 6,365 |
| Equity capital to assets | 20.7328% | 189 |
| Core capital (leverage) ratio | 19.9441% | 200 |
| Tier 1 risk-based capital ratio | 32.9514% | 410 |
| Total risk-based capital ratio | 34.2041% | 403 |
| Memoranda: | ||
| Average total assets | $37,707,330 | 6,222 |
| Average earning assets | $33,992,000 | 6,227 |
| Average equity | $7,652,000 | 5,356 |
| Average total loans | $16,589,670 | 6,215 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 1,696 |
| Cost of funding earning assets | 0.8806% | 504 |
| Net interest margin | 3.6533% | 3,049 |
| Noninterest income to average assets | 0.3740% | 4,394 |
| Noninterest expense to average assets | 2.2228% | 5,404 |
| Loan and lease loss provision to assets | 0.1603% | 1,522 |
| Net operating income to assets | 1.0152% | 2,152 |
| Return on assets (ROA) | 1.0152% | 2,218 |
| Pretax return on assets | 1.2717% | 2,209 |
| Return on Equity (ROE) | 5.0589% | 4,523 |
| Retained earnings to average equity (ytd only) | 5.0589% | 3,087 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8187% | 5,290 |
| Assets per employee ($millions) | 7.5892% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7331% | 2,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 42.2864% | 5,643 |
| Net loans and leases to deposits | 60.2961% | 4,732 |
| Net loans and leases to core deposits | 60.2961% | 5,011 |
| Total domestic deposits to total assets | 70.1312% | 6,447 |
| Equity capital to assets | 20.2261% | 207 |
| Core capital (leverage) ratio | 20.0679% | 202 |
| Tier 1 risk-based capital ratio | 33.6702% | 395 |
| Total risk-based capital ratio | 34.9190% | 389 |
| Memoranda: | ||
| Average total assets | $37,429,500 | 6,294 |
| Average earning assets | $33,613,000 | 6,295 |
| Average equity | $7,511,500 | 5,419 |
| Average total loans | $16,503,500 | 6,286 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 2,210 |
| Cost of funding earning assets | 0.9862% | 481 |
| Net interest margin | 3.5121% | 3,843 |
| Noninterest income to average assets | 0.2871% | 5,308 |
| Noninterest expense to average assets | 2.4067% | 5,052 |
| Loan and lease loss provision to assets | 0.0510% | 4,118 |
| Net operating income to assets | 0.7411% | 3,602 |
| Return on assets (ROA) | 0.7701% | 3,536 |
| Pretax return on assets | 1.0706% | 3,069 |
| Return on Equity (ROE) | 3.7732% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.7732% | 3,519 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0000% | 4,016 |
| Assets per employee ($millions) | 7.3826% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 2,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 44.4559% | 5,635 |
| Net loans and leases to deposits | 63.5160% | 4,561 |
| Net loans and leases to core deposits | 63.5160% | 4,918 |
| Total domestic deposits to total assets | 69.9916% | 6,520 |
| Equity capital to assets | 19.9063% | 214 |
| Core capital (leverage) ratio | 20.2359% | 183 |
| Tier 1 risk-based capital ratio | 35.1303% | 324 |
| Total risk-based capital ratio | 36.3802% | 318 |
| Memoranda: | ||
| Average total assets | $37,270,200 | 6,355 |
| Average earning assets | $33,968,400 | 6,349 |
| Average equity | $7,606,200 | 5,435 |
| Average total loans | $16,103,200 | 6,370 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 2,347 |
| Cost of funding earning assets | 0.9993% | 495 |
| Net interest margin | 3.4702% | 4,016 |
| Noninterest income to average assets | 0.3212% | 5,119 |
| Noninterest expense to average assets | 2.5232% | 4,646 |
| Loan and lease loss provision to assets | 0.0607% | 3,831 |
| Net operating income to assets | 0.7987% | 3,351 |
| Return on assets (ROA) | 0.8458% | 3,235 |
| Pretax return on assets | 0.9636% | 3,631 |
| Return on Equity (ROE) | 4.1194% | 5,165 |
| Retained earnings to average equity (ytd only) | 4.1194% | 3,751 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2165% | 3,364 |
| Assets per employee ($millions) | 7.3062% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 3,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 45.5805% | 5,588 |
| Net loans and leases to deposits | 65.5138% | 4,352 |
| Net loans and leases to core deposits | 66.6493% | 4,655 |
| Total domestic deposits to total assets | 69.5738% | 6,616 |
| Equity capital to assets | 20.3252% | 200 |
| Core capital (leverage) ratio | 20.4302% | 189 |
| Tier 1 risk-based capital ratio | 35.3386% | 331 |
| Total risk-based capital ratio | 36.5899% | 322 |
| Memoranda: | ||
| Average total assets | $37,359,500 | 6,424 |
| Average earning assets | $34,156,750 | 6,415 |
| Average equity | $7,670,750 | 5,479 |
| Average total loans | $15,959,500 | 6,437 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 2,378 |
| Cost of funding earning assets | 1.0228% | 485 |
| Net interest margin | 3.4288% | 4,080 |
| Noninterest income to average assets | 0.3135% | 5,192 |
| Noninterest expense to average assets | 2.3276% | 5,282 |
| Loan and lease loss provision to assets | 0.0638% | 3,742 |
| Net operating income to assets | 0.9140% | 2,725 |
| Return on assets (ROA) | 0.9140% | 2,863 |
| Pretax return on assets | 1.0575% | 3,267 |
| Return on Equity (ROE) | 4.4372% | 5,036 |
| Retained earnings to average equity (ytd only) | 4.4372% | 3,453 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4884% | 4,265 |
| Assets per employee ($millions) | 7.3654% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6566% | 2,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 42.0724% | 5,896 |
| Net loans and leases to deposits | 60.2106% | 4,956 |
| Net loans and leases to core deposits | 61.9091% | 5,098 |
| Total domestic deposits to total assets | 69.8754% | 6,664 |
| Equity capital to assets | 20.2705% | 194 |
| Core capital (leverage) ratio | 20.1845% | 186 |
| Tier 1 risk-based capital ratio | 36.5996% | 293 |
| Total risk-based capital ratio | 37.8873% | 289 |
| Memoranda: | ||
| Average total assets | $37,635,670 | 6,465 |
| Average earning assets | $34,414,330 | 6,452 |
| Average equity | $7,752,670 | 5,499 |
| Average total loans | $15,640,330 | 6,491 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3609% | 2,654 |
| Cost of funding earning assets | 1.0586% | 455 |
| Net interest margin | 3.3023% | 4,510 |
| Noninterest income to average assets | 0.4206% | 4,310 |
| Noninterest expense to average assets | 2.2292% | 5,612 |
| Loan and lease loss provision to assets | 0.0631% | 3,580 |
| Net operating income to assets | 0.9884% | 2,277 |
| Return on assets (ROA) | 0.9884% | 2,398 |
| Pretax return on assets | 1.1462% | 2,783 |
| Return on Equity (ROE) | 4.7616% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.7616% | 3,380 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8318% | 4,856 |
| Assets per employee ($millions) | 7.6752% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 3,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 39.9286% | 6,002 |
| Net loans and leases to deposits | 57.6638% | 5,078 |
| Net loans and leases to core deposits | 59.2262% | 5,227 |
| Total domestic deposits to total assets | 69.2438% | 6,775 |
| Equity capital to assets | 20.5154% | 200 |
| Core capital (leverage) ratio | 19.5854% | 214 |
| Tier 1 risk-based capital ratio | 36.6189% | 304 |
| Total risk-based capital ratio | 37.8910% | 295 |
| Memoranda: | ||
| Average total assets | $38,040,000 | 6,518 |
| Average earning assets | $34,763,500 | 6,497 |
| Average equity | $7,896,500 | 5,514 |
| Average total loans | $15,583,000 | 6,552 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 1,964 |
| Cost of funding earning assets | 1.2989% | 375 |
| Net interest margin | 3.5666% | 4,242 |
| Noninterest income to average assets | 0.2411% | 5,725 |
| Noninterest expense to average assets | 2.4082% | 5,386 |
| Loan and lease loss provision to assets | 0.2331% | 2,803 |
| Net operating income to assets | 0.5363% | 4,534 |
| Return on assets (ROA) | 1.2955% | 1,469 |
| Pretax return on assets | 1.8042% | 911 |
| Return on Equity (ROE) | 6.2998% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.2998% | 1,922 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0156% | 3,623 |
| Assets per employee ($millions) | 7.5408% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 3,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 40.6827% | 6,126 |
| Net loans and leases to deposits | 59.5527% | 5,073 |
| Net loans and leases to core deposits | 61.2042% | 5,247 |
| Total domestic deposits to total assets | 68.3137% | 6,845 |
| Equity capital to assets | 21.0057% | 185 |
| Core capital (leverage) ratio | 19.8070% | 202 |
| Tier 1 risk-based capital ratio | 37.8474% | 277 |
| Total risk-based capital ratio | 39.1484% | 273 |
| Memoranda: | ||
| Average total assets | $37,745,400 | 6,564 |
| Average earning assets | $33,337,000 | 6,575 |
| Average equity | $7,762,200 | 5,567 |
| Average total loans | $15,977,000 | 6,603 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9748% | 1,760 |
| Cost of funding earning assets | 1.3505% | 350 |
| Net interest margin | 3.6243% | 4,135 |
| Noninterest income to average assets | 0.2719% | 5,613 |
| Noninterest expense to average assets | 2.3201% | 5,635 |
| Loan and lease loss provision to assets | 0.1377% | 3,825 |
| Net operating income to assets | 0.8085% | 3,408 |
| Return on assets (ROA) | 1.0170% | 2,653 |
| Pretax return on assets | 1.2430% | 2,813 |
| Return on Equity (ROE) | 4.9722% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.9722% | 3,383 |
| Net charge-offs to loans | 0.0415% | 5,069 |
| Credit loss provision to net charge-offs | 780.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 63.7661% | 624 |
| Efficiency ratio | 67.3156% | 4,209 |
| Assets per employee ($millions) | 7.6180% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 5,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 42.8721% | 6,053 |
| Net loans and leases to deposits | 63.0040% | 4,840 |
| Net loans and leases to core deposits | 64.0417% | 5,139 |
| Total domestic deposits to total assets | 68.0467% | 6,921 |
| Equity capital to assets | 21.1079% | 199 |
| Core capital (leverage) ratio | 19.3405% | 233 |
| Tier 1 risk-based capital ratio | 37.8384% | 290 |
| Total risk-based capital ratio | 38.8859% | 292 |
| Memoranda: | ||
| Average total assets | $37,755,750 | 6,645 |
| Average earning assets | $33,072,750 | 6,665 |
| Average equity | $7,722,750 | 5,633 |
| Average total loans | $16,074,250 | 6,682 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 1,657 |
| Cost of funding earning assets | 1.4198% | 322 |
| Net interest margin | 3.6325% | 4,119 |
| Noninterest income to average assets | 0.3188% | 5,271 |
| Noninterest expense to average assets | 2.3058% | 5,719 |
| Loan and lease loss provision to assets | 0.1063% | 4,198 |
| Net operating income to assets | 0.9138% | 2,842 |
| Return on assets (ROA) | 0.9138% | 3,106 |
| Pretax return on assets | 1.0466% | 3,533 |
| Return on Equity (ROE) | 4.5162% | 5,030 |
| Retained earnings to average equity (ytd only) | 4.5162% | 3,598 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,388 |
| Assets per employee ($millions) | 7.6264% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 5,700 |
| Loan loss allowance to noncurrent loans | 18,100.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 6,502 |
| Noncurrent loans to loans | 0.0062% | 6,706 |
| Net loans and leases to total assets | 41.9149% | 6,191 |
| Net loans and leases to deposits | 60.8112% | 5,161 |
| Net loans and leases to core deposits | 61.7915% | 5,409 |
| Total domestic deposits to total assets | 68.9264% | 6,954 |
| Equity capital to assets | 20.4972% | 220 |
| Core capital (leverage) ratio | 18.9057% | 245 |
| Tier 1 risk-based capital ratio | 37.8042% | 283 |
| Total risk-based capital ratio | 38.7919% | 280 |
| Memoranda: | ||
| Average total assets | $37,644,330 | 6,692 |
| Average earning assets | $32,540,000 | 6,720 |
| Average equity | $7,617,000 | 5,683 |
| Average total loans | $15,924,000 | 6,739 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2019% | 1,315 |
| Cost of funding earning assets | 1.4863% | 308 |
| Net interest margin | 3.7157% | 3,762 |
| Noninterest income to average assets | 0.3957% | 4,704 |
| Noninterest expense to average assets | 2.2460% | 5,916 |
| Loan and lease loss provision to assets | 0.1390% | 3,619 |
| Net operating income to assets | 1.0053% | 2,463 |
| Return on assets (ROA) | 1.0053% | 2,650 |
| Pretax return on assets | 1.1658% | 3,043 |
| Return on Equity (ROE) | 5.0017% | 4,785 |
| Retained earnings to average equity (ytd only) | 5.0017% | 3,559 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2530% | 5,055 |
| Assets per employee ($millions) | 7.5544% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 5,896 |
| Loan loss allowance to noncurrent loans | 915.7895% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 6,475 |
| Noncurrent loans to loans | 0.1205% | 6,449 |
| Net loans and leases to total assets | 41.2898% | 6,247 |
| Net loans and leases to deposits | 59.1138% | 5,266 |
| Net loans and leases to core deposits | 60.0562% | 5,522 |
| Total domestic deposits to total assets | 69.8480% | 6,986 |
| Equity capital to assets | 19.8877% | 230 |
| Core capital (leverage) ratio | 18.6914% | 254 |
| Tier 1 risk-based capital ratio | 36.0608% | 311 |
| Total risk-based capital ratio | 36.9764% | 315 |
| Memoranda: | ||
| Average total assets | $37,400,500 | 6,755 |
| Average earning assets | $31,757,500 | 6,802 |
| Average equity | $7,517,500 | 5,733 |
| Average total loans | $15,804,000 | 6,806 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4964% | 1,179 |
| Cost of funding earning assets | 1.6109% | 459 |
| Net interest margin | 3.8855% | 3,400 |
| Noninterest income to average assets | 0.2032% | 6,048 |
| Noninterest expense to average assets | 2.1405% | 6,405 |
| Loan and lease loss provision to assets | 0.1002% | 5,337 |
| Net operating income to assets | 1.0175% | 2,139 |
| Return on assets (ROA) | 1.0130% | 2,300 |
| Pretax return on assets | 1.2906% | 2,166 |
| Return on Equity (ROE) | 5.1413% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.1413% | 2,539 |
| Net charge-offs to loans | 0.1572% | 4,885 |
| Credit loss provision to net charge-offs | 145.8333% | 1,967 |
| Earnings coverage of net charge-offs (x) | 20.3333% | 1,135 |
| Efficiency ratio | 59.7896% | 5,792 |
| Assets per employee ($millions) | 9.2573% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 6,137 |
| Loan loss allowance to noncurrent loans | 8,050.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 6,650 |
| Noncurrent loans to loans | 0.0126% | 6,812 |
| Net loans and leases to total assets | 42.3371% | 6,351 |
| Net loans and leases to deposits | 61.3677% | 5,329 |
| Net loans and leases to core deposits | 62.3712% | 5,615 |
| Total domestic deposits to total assets | 68.9892% | 7,034 |
| Equity capital to assets | 20.3165% | 214 |
| Core capital (leverage) ratio | 18.9027% | 250 |
| Tier 1 risk-based capital ratio | 41.1399% | 214 |
| Total risk-based capital ratio | 42.1203% | 214 |
| Memoranda: | ||
| Average total assets | $34,945,400 | 6,832 |
| Average earning assets | $29,983,200 | 6,871 |
| Average equity | $6,885,400 | 5,894 |
| Average total loans | $15,263,000 | 6,893 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5974% | 1,037 |
| Cost of funding earning assets | 1.6328% | 509 |
| Net interest margin | 3.9646% | 3,077 |
| Noninterest income to average assets | 0.2169% | 6,056 |
| Noninterest expense to average assets | 2.1999% | 6,279 |
| Loan and lease loss provision to assets | 0.0775% | 5,472 |
| Net operating income to assets | 1.1031% | 1,955 |
| Return on assets (ROA) | 0.9760% | 2,575 |
| Pretax return on assets | 1.1890% | 2,671 |
| Return on Equity (ROE) | 4.9954% | 4,536 |
| Retained earnings to average equity (ytd only) | 4.9954% | 3,175 |
| Net charge-offs to loans | 0.2117% | 4,110 |
| Credit loss provision to net charge-offs | 83.3333% | 4,023 |
| Earnings coverage of net charge-offs (x) | 15.2913% | 1,478 |
| Efficiency ratio | 60.1070% | 5,699 |
| Assets per employee ($millions) | 9.0208% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 6,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 6,751 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 42.0752% | 6,500 |
| Net loans and leases to deposits | 61.6954% | 5,442 |
| Net loans and leases to core deposits | 61.6954% | 5,839 |
| Total domestic deposits to total assets | 68.1983% | 7,130 |
| Equity capital to assets | 20.6662% | 220 |
| Core capital (leverage) ratio | 19.1570% | 254 |
| Tier 1 risk-based capital ratio | 41.3960% | 223 |
| Total risk-based capital ratio | 42.3043% | 225 |
| Memoranda: | ||
| Average total assets | $34,424,500 | 6,909 |
| Average earning assets | $29,560,500 | 6,943 |
| Average equity | $6,726,000 | 5,990 |
| Average total loans | $15,119,250 | 6,964 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7684% | 769 |
| Cost of funding earning assets | 1.6600% | 553 |
| Net interest margin | 4.1084% | 2,378 |
| Noninterest income to average assets | 0.2893% | 5,564 |
| Noninterest expense to average assets | 2.2083% | 6,364 |
| Loan and lease loss provision to assets | 0.0590% | 5,570 |
| Net operating income to assets | 1.2211% | 1,508 |
| Return on assets (ROA) | 1.0274% | 2,210 |
| Pretax return on assets | 1.2872% | 2,173 |
| Return on Equity (ROE) | 5.3684% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.3684% | 2,766 |
| Net charge-offs to loans | 0.3189% | 3,279 |
| Credit loss provision to net charge-offs | 41.6667% | 4,783 |
| Earnings coverage of net charge-offs (x) | 11.2083% | 1,736 |
| Efficiency ratio | 57.5428% | 6,223 |
| Assets per employee ($millions) | 8.7588% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 6,693 |
| Loan loss allowance to noncurrent loans | 3,400.0000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 6,752 |
| Noncurrent loans to loans | 0.0261% | 6,923 |
| Net loans and leases to total assets | 43.3909% | 6,486 |
| Net loans and leases to deposits | 61.6789% | 5,540 |
| Net loans and leases to core deposits | 61.6789% | 5,924 |
| Total domestic deposits to total assets | 70.3497% | 7,091 |
| Equity capital to assets | 19.3663% | 294 |
| Core capital (leverage) ratio | 18.9569% | 277 |
| Tier 1 risk-based capital ratio | 40.8614% | 232 |
| Total risk-based capital ratio | 41.7065% | 231 |
| Memoranda: | ||
| Average total assets | $33,871,670 | 6,993 |
| Average earning assets | $28,916,330 | 7,035 |
| Average equity | $6,482,330 | 6,089 |
| Average total loans | $15,049,670 | 7,036 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6902% | 897 |
| Cost of funding earning assets | 1.6661% | 640 |
| Net interest margin | 4.0241% | 2,591 |
| Noninterest income to average assets | 0.3605% | 5,025 |
| Noninterest expense to average assets | 2.2349% | 6,341 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2837% | 1,311 |
| Return on assets (ROA) | 0.8050% | 3,067 |
| Pretax return on assets | 0.9733% | 3,242 |
| Return on Equity (ROE) | 4.2331% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.2331% | 3,627 |
| Net charge-offs to loans | 0.6441% | 1,917 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.3750% | 2,292 |
| Efficiency ratio | 58.4127% | 6,217 |
| Assets per employee ($millions) | 8.5208% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 6,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 4,410 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 43.1329% | 6,535 |
| Net loans and leases to deposits | 60.8108% | 5,642 |
| Net loans and leases to core deposits | 60.8108% | 6,037 |
| Total domestic deposits to total assets | 70.9298% | 7,139 |
| Equity capital to assets | 18.6985% | 323 |
| Core capital (leverage) ratio | 18.9221% | 275 |
| Tier 1 risk-based capital ratio | 40.1478% | 238 |
| Total risk-based capital ratio | 40.9548% | 237 |
| Memoranda: | ||
| Average total assets | $33,290,000 | 7,058 |
| Average earning assets | $28,329,500 | 7,096 |
| Average equity | $6,331,000 | 6,145 |
| Average total loans | $14,905,500 | 7,098 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6203% | 1,817 |
| Cost of funding earning assets | 1.7439% | 1,401 |
| Net interest margin | 3.8765% | 3,604 |
| Noninterest income to average assets | 0.2317% | 6,143 |
| Noninterest expense to average assets | 2.4391% | 5,978 |
| Loan and lease loss provision to assets | 0.0939% | 6,203 |
| Net operating income to assets | 0.8516% | 2,583 |
| Return on assets (ROA) | 0.8516% | 2,720 |
| Pretax return on assets | 1.0395% | 2,811 |
| Return on Equity (ROE) | 4.3246% | 4,376 |
| Retained earnings to average equity (ytd only) | 4.3246% | 2,812 |
| Net charge-offs to loans | 0.0258% | 6,547 |
| Credit loss provision to net charge-offs | 750.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 90.5000% | 271 |
| Efficiency ratio | 67.5723% | 4,650 |
| Assets per employee ($millions) | 8.1243% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 6,282 |
| Loan loss allowance to noncurrent loans | 46.9325% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 2.4064% | 2,861 |
| Noncurrent loans to loans | 2.1762% | 3,339 |
| Net loans and leases to total assets | 45.6258% | 6,590 |
| Net loans and leases to deposits | 65.3978% | 5,466 |
| Net loans and leases to core deposits | 65.3978% | 5,937 |
| Total domestic deposits to total assets | 69.7664% | 7,247 |
| Equity capital to assets | 19.3526% | 301 |
| Core capital (leverage) ratio | 19.6296% | 250 |
| Tier 1 risk-based capital ratio | 40.1040% | 240 |
| Total risk-based capital ratio | 41.0626% | 238 |
| Memoranda: | ||
| Average total assets | $31,938,200 | 7,149 |
| Average earning assets | $27,525,000 | 7,175 |
| Average equity | $6,289,600 | 6,278 |
| Average total loans | $15,519,600 | 7,139 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6201% | 1,993 |
| Cost of funding earning assets | 1.7569% | 1,603 |
| Net interest margin | 3.8632% | 3,690 |
| Noninterest income to average assets | 0.2851% | 5,834 |
| Noninterest expense to average assets | 2.5325% | 5,596 |
| Loan and lease loss provision to assets | 0.0839% | 6,202 |
| Net operating income to assets | 0.8093% | 2,960 |
| Return on assets (ROA) | 0.8093% | 3,107 |
| Pretax return on assets | 1.0063% | 3,156 |
| Return on Equity (ROE) | 4.0913% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.0913% | 3,595 |
| Net charge-offs to loans | 0.0340% | 6,220 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 65.0394% | 461 |
| Efficiency ratio | 69.2130% | 4,217 |
| Assets per employee ($millions) | 8.1158% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 6,449 |
| Loan loss allowance to noncurrent loans | 92.3077% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.3739% | 4,421 |
| Noncurrent loans to loans | 1.0710% | 5,095 |
| Net loans and leases to total assets | 48.1286% | 6,511 |
| Net loans and leases to deposits | 70.1540% | 5,124 |
| Net loans and leases to core deposits | 70.1540% | 5,733 |
| Total domestic deposits to total assets | 68.6043% | 7,349 |
| Equity capital to assets | 20.1891% | 275 |
| Core capital (leverage) ratio | 19.7082% | 256 |
| Tier 1 risk-based capital ratio | 39.1127% | 264 |
| Total risk-based capital ratio | 40.0780% | 265 |
| Memoranda: | ||
| Average total assets | $31,798,500 | 7,231 |
| Average earning assets | $27,472,250 | 7,264 |
| Average equity | $6,289,750 | 6,360 |
| Average total loans | $15,654,500 | 7,224 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6580% | 1,915 |
| Cost of funding earning assets | 1.7906% | 1,679 |
| Net interest margin | 3.8674% | 3,602 |
| Noninterest income to average assets | 0.3420% | 5,415 |
| Noninterest expense to average assets | 2.4828% | 5,777 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9754% | 2,280 |
| Return on assets (ROA) | 0.9754% | 2,361 |
| Pretax return on assets | 1.1971% | 2,426 |
| Return on Equity (ROE) | 4.9664% | 4,302 |
| Retained earnings to average equity (ytd only) | 4.9664% | 2,924 |
| Net charge-offs to loans | 0.0256% | 5,977 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 94.5000% | 350 |
| Efficiency ratio | 66.7814% | 4,827 |
| Assets per employee ($millions) | 8.0415% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 6,809 |
| Loan loss allowance to noncurrent loans | 75.5435% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.1472% | 4,838 |
| Noncurrent loans to loans | 1.1709% | 4,997 |
| Net loans and leases to total assets | 48.4238% | 6,599 |
| Net loans and leases to deposits | 69.8601% | 5,299 |
| Net loans and leases to core deposits | 69.8601% | 5,885 |
| Total domestic deposits to total assets | 69.3154% | 7,372 |
| Equity capital to assets | 19.7724% | 297 |
| Core capital (leverage) ratio | 19.5749% | 268 |
| Tier 1 risk-based capital ratio | 39.2906% | 262 |
| Total risk-based capital ratio | 40.1601% | 261 |
| Memoranda: | ||
| Average total assets | $31,577,000 | 7,297 |
| Average earning assets | $27,253,330 | 7,326 |
| Average equity | $6,201,670 | 6,404 |
| Average total loans | $15,612,670 | 7,281 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6035% | 2,134 |
| Cost of funding earning assets | 1.8435% | 1,682 |
| Net interest margin | 3.7601% | 3,962 |
| Noninterest income to average assets | 0.4475% | 4,495 |
| Noninterest expense to average assets | 2.4934% | 5,752 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0229% | 2,103 |
| Return on assets (ROA) | 1.0229% | 2,161 |
| Pretax return on assets | 1.2403% | 2,237 |
| Return on Equity (ROE) | 5.2266% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.2266% | 3,029 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0959% | 5,096 |
| Assets per employee ($millions) | 6.4338% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 6,650 |
| Loan loss allowance to noncurrent loans | 78.8360% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 5,477 |
| Noncurrent loans to loans | 1.2133% | 4,937 |
| Net loans and leases to total assets | 47.9592% | 6,679 |
| Net loans and leases to deposits | 68.5963% | 5,524 |
| Net loans and leases to core deposits | 68.5963% | 6,049 |
| Total domestic deposits to total assets | 69.9151% | 7,413 |
| Equity capital to assets | 19.1831% | 330 |
| Core capital (leverage) ratio | 19.2709% | 294 |
| Tier 1 risk-based capital ratio | 39.0265% | 268 |
| Total risk-based capital ratio | 39.9698% | 266 |
| Memoranda: | ||
| Average total assets | $31,282,500 | 7,394 |
| Average earning assets | $27,340,000 | 7,412 |
| Average equity | $6,122,500 | 6,476 |
| Average total loans | $15,561,500 | 7,377 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5580% | 3,827 |
| Cost of funding earning assets | 2.2028% | 2,023 |
| Net interest margin | 3.3553% | 5,543 |
| Noninterest income to average assets | 0.3332% | 5,707 |
| Noninterest expense to average assets | 2.4958% | 6,142 |
| Loan and lease loss provision to assets | 0.0868% | 6,746 |
| Net operating income to assets | 0.7220% | 2,848 |
| Return on assets (ROA) | 0.0903% | 5,277 |
| Pretax return on assets | 0.0798% | 5,259 |
| Return on Equity (ROE) | 0.4316% | 5,410 |
| Retained earnings to average equity (ytd only) | 0.4316% | 4,665 |
| Net charge-offs to loans | 0.0069% | 7,140 |
| Credit loss provision to net charge-offs | 2,500.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 230.0000% | 125 |
| Efficiency ratio | 75.3425% | 3,643 |
| Assets per employee ($millions) | 6.0792% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 6,588 |
| Loan loss allowance to noncurrent loans | 121.1382% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 5,789 |
| Noncurrent loans to loans | 0.7912% | 5,697 |
| Net loans and leases to total assets | 50.6547% | 6,563 |
| Net loans and leases to deposits | 70.5185% | 5,534 |
| Net loans and leases to core deposits | 74.8517% | 6,480 |
| Total domestic deposits to total assets | 71.8318% | 7,257 |
| Equity capital to assets | 19.9829% | 295 |
| Core capital (leverage) ratio | 20.1195% | 273 |
| Tier 1 risk-based capital ratio | 40.0052% | 251 |
| Total risk-based capital ratio | 40.9848% | 251 |
| Memoranda: | ||
| Average total assets | $28,808,600 | 7,513 |
| Average earning assets | $25,422,600 | 7,528 |
| Average equity | $6,024,200 | 6,596 |
| Average total loans | $14,496,200 | 7,476 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5553% | 4,120 |
| Cost of funding earning assets | 2.2646% | 2,132 |
| Net interest margin | 3.2906% | 5,673 |
| Noninterest income to average assets | 0.3520% | 5,673 |
| Noninterest expense to average assets | 2.4966% | 6,079 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5170% | 3,916 |
| Return on assets (ROA) | 0.1595% | 5,343 |
| Pretax return on assets | 0.2346% | 5,216 |
| Return on Equity (ROE) | 0.7540% | 5,564 |
| Retained earnings to average equity (ytd only) | 0.7540% | 4,865 |
| Net charge-offs to loans | 0.0093% | 6,817 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 162.3985% | 233 |
| Efficiency ratio | 76.2248% | 3,469 |
| Assets per employee ($millions) | 5.8472% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8153% | 7,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 6,810 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 51.5973% | 6,641 |
| Net loans and leases to deposits | 73.0579% | 5,501 |
| Net loans and leases to core deposits | 77.8179% | 6,508 |
| Total domestic deposits to total assets | 70.6253% | 7,363 |
| Equity capital to assets | 20.8100% | 288 |
| Core capital (leverage) ratio | 20.9452% | 261 |
| Tier 1 risk-based capital ratio | 41.0411% | 268 |
| Total risk-based capital ratio | 41.8774% | 271 |
| Memoranda: | ||
| Average total assets | $28,411,750 | 7,597 |
| Average earning assets | $25,080,750 | 7,608 |
| Average equity | $6,011,750 | 6,659 |
| Average total loans | $14,233,750 | 7,555 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5263% | 4,470 |
| Cost of funding earning assets | 2.3235% | 2,265 |
| Net interest margin | 3.2028% | 5,904 |
| Noninterest income to average assets | 0.3909% | 5,371 |
| Noninterest expense to average assets | 2.5447% | 5,967 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6397% | 3,507 |
| Return on assets (ROA) | -0.1564% | 6,140 |
| Pretax return on assets | -0.1279% | 6,029 |
| Return on Equity (ROE) | -0.7348% | 6,035 |
| Retained earnings to average equity (ytd only) | -0.7348% | 5,409 |
| Net charge-offs to loans | 0.0144% | 6,341 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 406 |
| Efficiency ratio | 78.7611% | 3,223 |
| Assets per employee ($millions) | 5.5942% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 6,900 |
| Loan loss allowance to noncurrent loans | 76.0736% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 5,244 |
| Noncurrent loans to loans | 1.1447% | 4,926 |
| Net loans and leases to total assets | 50.4630% | 6,831 |
| Net loans and leases to deposits | 68.8134% | 6,110 |
| Net loans and leases to core deposits | 73.2904% | 6,827 |
| Total domestic deposits to total assets | 73.3331% | 7,061 |
| Equity capital to assets | 21.4115% | 307 |
| Core capital (leverage) ratio | 21.6579% | 287 |
| Tier 1 risk-based capital ratio | 42.9774% | 253 |
| Total risk-based capital ratio | 43.8543% | 255 |
| Memoranda: | ||
| Average total assets | $28,137,000 | 7,676 |
| Average earning assets | $24,790,670 | 7,686 |
| Average equity | $5,987,670 | 6,723 |
| Average total loans | $13,908,670 | 7,651 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5462% | 4,658 |
| Cost of funding earning assets | 2.3216% | 2,608 |
| Net interest margin | 3.2245% | 5,779 |
| Noninterest income to average assets | 0.4819% | 4,486 |
| Noninterest expense to average assets | 2.4663% | 5,974 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7938% | 3,156 |
| Return on assets (ROA) | -0.7938% | 7,159 |
| Pretax return on assets | -0.7371% | 6,990 |
| Return on Equity (ROE) | -3.7414% | 6,863 |
| Retained earnings to average equity (ytd only) | -3.7414% | 6,389 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9316% | 3,835 |
| Assets per employee ($millions) | 5.5838% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 6,695 |
| Loan loss allowance to noncurrent loans | 277.7778% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 6,610 |
| Noncurrent loans to loans | 0.3279% | 6,613 |
| Net loans and leases to total assets | 48.7016% | 6,966 |
| Net loans and leases to deposits | 66.5053% | 6,329 |
| Net loans and leases to core deposits | 71.3566% | 6,940 |
| Total domestic deposits to total assets | 73.2297% | 7,020 |
| Equity capital to assets | 21.6233% | 325 |
| Core capital (leverage) ratio | 21.6339% | 323 |
| Tier 1 risk-based capital ratio | 44.0227% | 267 |
| Total risk-based capital ratio | 44.9333% | 267 |
| Memoranda: | ||
| Average total assets | $28,220,000 | 7,720 |
| Average earning assets | $24,810,000 | 7,732 |
| Average equity | $5,987,000 | 6,766 |
| Average total loans | $13,743,500 | 7,708 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9251% | 5,923 |
| Cost of funding earning assets | 2.8490% | 2,482 |
| Net interest margin | 3.0761% | 6,718 |
| Noninterest income to average assets | 0.3094% | 6,239 |
| Noninterest expense to average assets | 2.4713% | 6,127 |
| Loan and lease loss provision to assets | 0.0640% | 6,600 |
| Net operating income to assets | 0.6080% | 4,268 |
| Return on assets (ROA) | 0.6187% | 4,084 |
| Pretax return on assets | 0.5298% | 4,909 |
| Return on Equity (ROE) | 2.9724% | 5,245 |
| Retained earnings to average equity (ytd only) | 2.9724% | 3,324 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5588% | 2,524 |
| Assets per employee ($millions) | 7.1303% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 6,629 |
| Loan loss allowance to noncurrent loans | 49.0196% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 4,618 |
| Noncurrent loans to loans | 1.8525% | 2,982 |
| Net loans and leases to total assets | 47.8244% | 7,205 |
| Net loans and leases to deposits | 71.1900% | 6,145 |
| Net loans and leases to core deposits | 76.7068% | 6,818 |
| Total domestic deposits to total assets | 67.1786% | 7,554 |
| Equity capital to assets | 20.8162% | 417 |
| Core capital (leverage) ratio | 21.1800% | 365 |
| Tier 1 risk-based capital ratio | 42.4840% | 294 |
| Total risk-based capital ratio | 43.3547% | 293 |
| Memoranda: | ||
| Average total assets | $28,123,200 | 7,723 |
| Average earning assets | $25,096,600 | 7,734 |
| Average equity | $5,853,800 | 6,857 |
| Average total loans | $13,730,200 | 7,719 |