Home > Jackson Savings Bank, SSB > Performance and Condition Ratios
Jackson Savings Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 2,197 |
| Cost of funding earning assets | 1.8633% | 1,134 |
| Net interest margin | 3.0757% | 3,146 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 2.3150% | 2,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4832% | 3,703 |
| Return on assets (ROA) | 0.4832% | 3,703 |
| Pretax return on assets | 0.6330% | 3,579 |
| Return on Equity (ROE) | 2.2100% | 4,130 |
| Retained earnings to average equity (ytd only) | 2.2139% | 3,529 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.5270% | 1,026 |
| Assets per employee ($millions) | 6.5416% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3742% | 4,397 |
| Loan loss allowance to noncurrent loans | 31.4815% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 807 |
| Noncurrent loans to loans | 1.1887% | 599 |
| Net loans and leases to total assets | 55.3500% | 3,246 |
| Net loans and leases to deposits | 71.1149% | 2,807 |
| Net loans and leases to core deposits | 87.3486% | 2,220 |
| Total domestic deposits to total assets | 77.8300% | 3,750 |
| Equity capital to assets | 21.9457% | 240 |
| Core capital (leverage) ratio | 21.8296% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.6369% | 104 |
| Memoranda: | ||
| Average total assets | $32,699,400 | 4,449 |
| Average earning assets | $31,342,200 | 4,408 |
| Average equity | $7,136,800 | 4,029 |
| Average total loans | $18,247,000 | 4,320 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7425% | 2,386 |
| Cost of funding earning assets | 1.6758% | 1,221 |
| Net interest margin | 3.0666% | 3,208 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 2.1653% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7748% | 3,098 |
| Return on assets (ROA) | 0.7748% | 3,089 |
| Pretax return on assets | 0.7748% | 3,388 |
| Return on Equity (ROE) | 3.5500% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.5547% | 3,370 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.6477% | 1,392 |
| Assets per employee ($millions) | 8.2238% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3647% | 4,423 |
| Loan loss allowance to noncurrent loans | 15.9251% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.2981% | 322 |
| Noncurrent loans to loans | 2.2900% | 227 |
| Net loans and leases to total assets | 56.4800% | 3,160 |
| Net loans and leases to deposits | 72.5080% | 2,680 |
| Net loans and leases to core deposits | 88.7159% | 2,014 |
| Total domestic deposits to total assets | 77.8900% | 3,830 |
| Equity capital to assets | 21.9182% | 244 |
| Core capital (leverage) ratio | 21.6582% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.4056% | 106 |
| Memoranda: | ||
| Average total assets | $32,697,250 | 4,471 |
| Average earning assets | $31,347,250 | 4,431 |
| Average equity | $7,126,500 | 4,035 |
| Average total loans | $18,266,000 | 4,336 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5336% | 2,565 |
| Cost of funding earning assets | 1.3984% | 1,452 |
| Net interest margin | 3.1352% | 3,141 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 2.0839% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9255% | 2,668 |
| Return on assets (ROA) | 0.9255% | 2,654 |
| Pretax return on assets | 0.9255% | 3,106 |
| Return on Equity (ROE) | 4.2500% | 3,995 |
| Retained earnings to average equity (ytd only) | 4.2543% | 3,143 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.2464% | 1,839 |
| Assets per employee ($millions) | 6.7600% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3763% | 4,449 |
| Loan loss allowance to noncurrent loans | 19.1549% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.0503% | 426 |
| Noncurrent loans to loans | 1.9645% | 287 |
| Net loans and leases to total assets | 53.2600% | 3,325 |
| Net loans and leases to deposits | 67.7875% | 2,929 |
| Net loans and leases to core deposits | 84.5132% | 2,179 |
| Total domestic deposits to total assets | 78.5700% | 3,778 |
| Equity capital to assets | 21.2160% | 250 |
| Core capital (leverage) ratio | 21.8030% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.0754% | 101 |
| Memoranda: | ||
| Average total assets | $32,631,333 | 4,497 |
| Average earning assets | $31,322,000 | 4,461 |
| Average equity | $7,098,667 | 4,064 |
| Average total loans | $18,139,333 | 4,360 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 2,621 |
| Cost of funding earning assets | 1.0262% | 1,962 |
| Net interest margin | 3.3512% | 2,747 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 2.1593% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0609% | 2,347 |
| Return on assets (ROA) | 1.0609% | 2,317 |
| Pretax return on assets | 1.0609% | 2,827 |
| Return on Equity (ROE) | 4.8100% | 3,917 |
| Retained earnings to average equity (ytd only) | 4.8142% | 3,063 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.0543% | 2,084 |
| Assets per employee ($millions) | 6.4100% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3746% | 4,509 |
| Loan loss allowance to noncurrent loans | 16.6667% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.2730% | 280 |
| Noncurrent loans to loans | 2.2477% | 224 |
| Net loans and leases to total assets | 56.4200% | 3,010 |
| Net loans and leases to deposits | 72.6382% | 2,412 |
| Net loans and leases to core deposits | 89.5602% | 1,642 |
| Total domestic deposits to total assets | 77.6800% | 4,035 |
| Equity capital to assets | 22.1685% | 190 |
| Core capital (leverage) ratio | 22.1009% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.9412% | 98 |
| Memoranda: | ||
| Average total assets | $32,047,000 | 4,561 |
| Average earning assets | $30,794,500 | 4,530 |
| Average equity | $7,062,500 | 4,117 |
| Average total loans | $18,173,500 | 4,420 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9547% | 4,184 |
| Cost of funding earning assets | 0.4015% | 2,085 |
| Net interest margin | 2.5532% | 4,228 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 2.0556% | 3,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2924% | 4,372 |
| Return on assets (ROA) | 0.2924% | 4,344 |
| Pretax return on assets | 0.3860% | 4,290 |
| Return on Equity (ROE) | 1.4400% | 4,442 |
| Retained earnings to average equity (ytd only) | 1.4392% | 4,114 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.1916% | 486 |
| Assets per employee ($millions) | 6.4088% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3737% | 4,513 |
| Loan loss allowance to noncurrent loans | 17.1285% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.2389% | 301 |
| Noncurrent loans to loans | 2.1819% | 238 |
| Net loans and leases to total assets | 56.5700% | 2,963 |
| Net loans and leases to deposits | 72.5428% | 2,366 |
| Net loans and leases to core deposits | 85.6421% | 1,778 |
| Total domestic deposits to total assets | 77.9800% | 4,094 |
| Equity capital to assets | 21.9074% | 190 |
| Core capital (leverage) ratio | 21.2889% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.5387% | 98 |
| Memoranda: | ||
| Average total assets | $34,199,800 | 4,586 |
| Average earning assets | $32,625,800 | 4,542 |
| Average equity | $6,948,200 | 4,224 |
| Average total loans | $17,191,400 | 4,453 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6155% | 4,377 |
| Cost of funding earning assets | 0.3667% | 1,548 |
| Net interest margin | 2.2488% | 4,437 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 1.9920% | 3,505 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1574% | 4,504 |
| Return on assets (ROA) | 0.1574% | 4,475 |
| Pretax return on assets | 0.1574% | 4,488 |
| Return on Equity (ROE) | 0.7900% | 4,514 |
| Retained earnings to average equity (ytd only) | 0.7888% | 4,250 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 92.6786% | 263 |
| Assets per employee ($millions) | 8.4170% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3925% | 4,546 |
| Loan loss allowance to noncurrent loans | 15.5963% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.2950% | 289 |
| Noncurrent loans to loans | 2.5166% | 210 |
| Net loans and leases to total assets | 51.2600% | 3,362 |
| Net loans and leases to deposits | 64.6620% | 2,814 |
| Net loans and leases to core deposits | 75.5924% | 2,231 |
| Total domestic deposits to total assets | 79.2700% | 4,162 |
| Equity capital to assets | 20.6724% | 204 |
| Core capital (leverage) ratio | 20.0247% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.4043% | 107 |
| Memoranda: | ||
| Average total assets | $34,738,750 | 4,616 |
| Average earning assets | $33,083,500 | 4,577 |
| Average equity | $6,930,250 | 4,265 |
| Average total loans | $16,940,500 | 4,489 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3920% | 4,466 |
| Cost of funding earning assets | 0.3648% | 1,156 |
| Net interest margin | 2.0272% | 4,543 |
| Noninterest income to average assets | 0.0114% | 4,716 |
| Noninterest expense to average assets | 1.8806% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0627% | 4,545 |
| Return on assets (ROA) | 0.0627% | 4,512 |
| Pretax return on assets | 0.0627% | 4,510 |
| Return on Equity (ROE) | 0.3179% | 4,531 |
| Retained earnings to average equity (ytd only) | 0.3179% | 4,131 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7742% | 236 |
| Assets per employee ($millions) | 8.8238% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4178% | 4,610 |
| Loan loss allowance to noncurrent loans | 21.5873% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8925% | 566 |
| Noncurrent loans to loans | 1.9355% | 337 |
| Net loans and leases to total assets | 45.9187% | 3,715 |
| Net loans and leases to deposits | 57.1797% | 3,294 |
| Net loans and leases to core deposits | 68.5112% | 2,607 |
| Total domestic deposits to total assets | 80.3060% | 4,200 |
| Equity capital to assets | 19.6373% | 175 |
| Core capital (leverage) ratio | 19.7425% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.3575% | 71 |
| Memoranda: | ||
| Average total assets | $35,095,667 | 4,649 |
| Average earning assets | $33,444,667 | 4,632 |
| Average equity | $6,920,333 | 4,327 |
| Average total loans | $16,812,333 | 4,550 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2024% | 4,529 |
| Cost of funding earning assets | 0.3731% | 1,037 |
| Net interest margin | 1.8293% | 4,606 |
| Noninterest income to average assets | 0.0229% | 4,716 |
| Noninterest expense to average assets | 1.8745% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1143% | 4,607 |
| Return on assets (ROA) | -0.1143% | 4,588 |
| Pretax return on assets | -0.1143% | 4,579 |
| Return on Equity (ROE) | -0.5785% | 4,564 |
| Retained earnings to average equity (ytd only) | -0.5785% | 4,094 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4935% | 164 |
| Assets per employee ($millions) | 6.9904% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4062% | 4,644 |
| Loan loss allowance to noncurrent loans | 17.0854% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.1387% | 399 |
| Noncurrent loans to loans | 2.3774% | 263 |
| Net loans and leases to total assets | 47.7026% | 3,414 |
| Net loans and leases to deposits | 59.5082% | 2,953 |
| Net loans and leases to core deposits | 72.2306% | 2,086 |
| Total domestic deposits to total assets | 80.1614% | 4,277 |
| Equity capital to assets | 19.7700% | 169 |
| Core capital (leverage) ratio | 19.6385% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.5514% | 70 |
| Memoranda: | ||
| Average total assets | $34,996,000 | 4,675 |
| Average earning assets | $33,236,000 | 4,661 |
| Average equity | $6,915,000 | 4,368 |
| Average total loans | $17,081,000 | 4,563 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6096% | 4,397 |
| Cost of funding earning assets | 0.6314% | 465 |
| Net interest margin | 1.9781% | 4,612 |
| Noninterest income to average assets | 0.0113% | 4,786 |
| Noninterest expense to average assets | 1.8680% | 4,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0056% | 4,676 |
| Return on assets (ROA) | 0.0056% | 4,686 |
| Pretax return on assets | 0.0056% | 4,685 |
| Return on Equity (ROE) | 0.0289% | 4,688 |
| Retained earnings to average equity (ytd only) | 0.0289% | 4,477 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6992% | 151 |
| Assets per employee ($millions) | 7.0080% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3903% | 4,691 |
| Loan loss allowance to noncurrent loans | 18.4783% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.1501% | 440 |
| Noncurrent loans to loans | 2.1124% | 361 |
| Net loans and leases to total assets | 49.5234% | 3,345 |
| Net loans and leases to deposits | 61.7852% | 2,899 |
| Net loans and leases to core deposits | 75.9032% | 1,929 |
| Total domestic deposits to total assets | 80.1541% | 4,206 |
| Equity capital to assets | 19.7489% | 188 |
| Core capital (leverage) ratio | 19.9954% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.2879% | 72 |
| Memoranda: | ||
| Average total assets | $35,492,000 | 4,702 |
| Average earning assets | $33,415,600 | 4,687 |
| Average equity | $6,915,800 | 4,432 |
| Average total loans | $19,269,200 | 4,582 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6426% | 4,464 |
| Cost of funding earning assets | 0.6806% | 427 |
| Net interest margin | 1.9621% | 4,693 |
| Noninterest income to average assets | 0.0075% | 4,866 |
| Noninterest expense to average assets | 1.8649% | 4,022 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.0112% | 4,746 |
| Return on assets (ROA) | -0.0112% | 4,757 |
| Pretax return on assets | -0.0112% | 4,755 |
| Return on Equity (ROE) | -0.0578% | 4,757 |
| Retained earnings to average equity (ytd only) | -0.0578% | 4,569 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6061% | 152 |
| Assets per employee ($millions) | 6.9756% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3733% | 4,781 |
| Loan loss allowance to noncurrent loans | 18.4282% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.1583% | 525 |
| Noncurrent loans to loans | 2.0256% | 429 |
| Net loans and leases to total assets | 52.0357% | 3,188 |
| Net loans and leases to deposits | 65.0059% | 2,734 |
| Net loans and leases to core deposits | 82.4917% | 1,536 |
| Total domestic deposits to total assets | 80.0476% | 4,225 |
| Equity capital to assets | 19.8263% | 204 |
| Core capital (leverage) ratio | 19.7076% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.0758% | 89 |
| Memoranda: | ||
| Average total assets | $35,605,000 | 4,774 |
| Average earning assets | $33,501,000 | 4,754 |
| Average equity | $6,914,750 | 4,494 |
| Average total loans | $19,731,250 | 4,642 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7171% | 4,440 |
| Cost of funding earning assets | 0.7119% | 438 |
| Net interest margin | 2.0052% | 4,705 |
| Noninterest income to average assets | 0.0112% | 4,897 |
| Noninterest expense to average assets | 1.9360% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0391% | 4,780 |
| Return on assets (ROA) | -0.0391% | 4,792 |
| Pretax return on assets | -0.0391% | 4,791 |
| Return on Equity (ROE) | -0.2025% | 4,789 |
| Retained earnings to average equity (ytd only) | -0.2025% | 4,538 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0588% | 151 |
| Assets per employee ($millions) | 7.0702% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3551% | 4,824 |
| Loan loss allowance to noncurrent loans | 18.1818% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 608 |
| Noncurrent loans to loans | 1.9533% | 508 |
| Net loans and leases to total assets | 53.9702% | 3,132 |
| Net loans and leases to deposits | 67.1678% | 2,703 |
| Net loans and leases to core deposits | 84.7843% | 1,510 |
| Total domestic deposits to total assets | 80.3513% | 4,181 |
| Equity capital to assets | 19.5497% | 207 |
| Core capital (leverage) ratio | 19.3234% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.7392% | 88 |
| Memoranda: | ||
| Average total assets | $35,847,333 | 4,803 |
| Average earning assets | $33,712,667 | 4,781 |
| Average equity | $6,914,667 | 4,516 |
| Average total loans | $20,236,000 | 4,661 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8273% | 4,344 |
| Cost of funding earning assets | 0.7722% | 407 |
| Net interest margin | 2.0552% | 4,703 |
| Noninterest income to average assets | 0.0222% | 4,903 |
| Noninterest expense to average assets | 1.9725% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0332% | 4,783 |
| Return on assets (ROA) | -0.0332% | 4,790 |
| Pretax return on assets | -0.0332% | 4,793 |
| Return on Equity (ROE) | -0.1735% | 4,788 |
| Retained earnings to average equity (ytd only) | -0.1735% | 4,380 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7143% | 176 |
| Assets per employee ($millions) | 7.1864% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3410% | 4,855 |
| Loan loss allowance to noncurrent loans | 17.4807% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.1800% | 635 |
| Noncurrent loans to loans | 1.9510% | 563 |
| Net loans and leases to total assets | 55.3017% | 3,116 |
| Net loans and leases to deposits | 68.5491% | 2,644 |
| Net loans and leases to core deposits | 86.9514% | 1,459 |
| Total domestic deposits to total assets | 80.6746% | 4,106 |
| Equity capital to assets | 19.2447% | 213 |
| Core capital (leverage) ratio | 19.1223% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.6217% | 94 |
| Memoranda: | ||
| Average total assets | $36,095,500 | 4,819 |
| Average earning assets | $33,671,500 | 4,803 |
| Average equity | $6,916,500 | 4,534 |
| Average total loans | $20,780,500 | 4,676 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6778% | 3,634 |
| Cost of funding earning assets | 1.0736% | 448 |
| Net interest margin | 2.6042% | 4,497 |
| Noninterest income to average assets | 0.0548% | 4,853 |
| Noninterest expense to average assets | 2.2893% | 3,433 |
| Loan and lease loss provision to assets | 0.0144% | 4,193 |
| Net operating income to assets | 0.1211% | 4,654 |
| Return on assets (ROA) | 0.1211% | 4,691 |
| Pretax return on assets | 0.1499% | 4,676 |
| Return on Equity (ROE) | 0.6098% | 4,715 |
| Retained earnings to average equity (ytd only) | 0.6098% | 4,342 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3020% | 286 |
| Assets per employee ($millions) | 7.2518% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3145% | 4,893 |
| Loan loss allowance to noncurrent loans | 17.4807% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.1694% | 759 |
| Noncurrent loans to loans | 1.7991% | 691 |
| Net loans and leases to total assets | 59.4446% | 2,928 |
| Net loans and leases to deposits | 73.6310% | 2,520 |
| Net loans and leases to core deposits | 93.0737% | 1,303 |
| Total domestic deposits to total assets | 80.7331% | 3,921 |
| Equity capital to assets | 19.0794% | 228 |
| Core capital (leverage) ratio | 19.4484% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.6076% | 102 |
| Memoranda: | ||
| Average total assets | $34,682,400 | 4,834 |
| Average earning assets | $31,948,200 | 4,825 |
| Average equity | $6,887,400 | 4,541 |
| Average total loans | $23,134,600 | 4,660 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8075% | 3,546 |
| Cost of funding earning assets | 1.1258% | 484 |
| Net interest margin | 2.6817% | 4,486 |
| Noninterest income to average assets | 0.0000% | 4,986 |
| Noninterest expense to average assets | 2.3953% | 3,145 |
| Loan and lease loss provision to assets | 0.0204% | 4,080 |
| Net operating income to assets | -0.0117% | 4,778 |
| Return on assets (ROA) | -0.0117% | 4,797 |
| Pretax return on assets | 0.0583% | 4,757 |
| Return on Equity (ROE) | -0.0581% | 4,795 |
| Retained earnings to average equity (ytd only) | -0.0581% | 4,488 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8553% | 208 |
| Assets per employee ($millions) | 5.7785% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3082% | 4,927 |
| Loan loss allowance to noncurrent loans | 13.3595% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.5690% | 531 |
| Noncurrent loans to loans | 2.3067% | 484 |
| Net loans and leases to total assets | 63.4478% | 2,830 |
| Net loans and leases to deposits | 79.4955% | 2,374 |
| Net loans and leases to core deposits | 97.4139% | 1,349 |
| Total domestic deposits to total assets | 79.8131% | 3,901 |
| Equity capital to assets | 19.8235% | 217 |
| Core capital (leverage) ratio | 19.5100% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.6309% | 115 |
| Memoranda: | ||
| Average total assets | $34,288,250 | 4,863 |
| Average earning assets | $31,620,750 | 4,854 |
| Average equity | $6,879,750 | 4,560 |
| Average total loans | $23,512,750 | 4,682 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9944% | 3,339 |
| Cost of funding earning assets | 1.1760% | 553 |
| Net interest margin | 2.8185% | 4,419 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 2.4414% | 3,137 |
| Loan and lease loss provision to assets | 0.0293% | 3,887 |
| Net operating income to assets | 0.0410% | 4,736 |
| Return on assets (ROA) | 0.0410% | 4,764 |
| Pretax return on assets | 0.1112% | 4,714 |
| Return on Equity (ROE) | 0.2034% | 4,780 |
| Retained earnings to average equity (ytd only) | 0.2034% | 4,274 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5578% | 282 |
| Assets per employee ($millions) | 5.7750% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2964% | 4,962 |
| Loan loss allowance to noncurrent loans | 13.2296% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.5902% | 565 |
| Noncurrent loans to loans | 2.2403% | 560 |
| Net loans and leases to total assets | 66.0173% | 2,624 |
| Net loans and leases to deposits | 82.6708% | 2,127 |
| Net loans and leases to core deposits | 100.0612% | 1,248 |
| Total domestic deposits to total assets | 79.8557% | 3,867 |
| Equity capital to assets | 19.8644% | 219 |
| Core capital (leverage) ratio | 19.8712% | 209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.3327% | 124 |
| Memoranda: | ||
| Average total assets | $34,160,667 | 4,892 |
| Average earning assets | $31,293,667 | 4,885 |
| Average equity | $6,882,000 | 4,582 |
| Average total loans | $23,995,000 | 4,688 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 3,185 |
| Cost of funding earning assets | 1.2207% | 717 |
| Net interest margin | 2.9869% | 4,302 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 2.4885% | 3,303 |
| Loan and lease loss provision to assets | 0.0236% | 3,509 |
| Net operating income to assets | 0.1297% | 4,618 |
| Return on assets (ROA) | 0.1297% | 4,625 |
| Pretax return on assets | 0.2005% | 4,566 |
| Return on Equity (ROE) | 0.6394% | 4,676 |
| Retained earnings to average equity (ytd only) | 0.6394% | 3,833 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7391% | 440 |
| Assets per employee ($millions) | 5.7317% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2647% | 5,010 |
| Loan loss allowance to noncurrent loans | 14.0389% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.4510% | 758 |
| Noncurrent loans to loans | 1.8853% | 780 |
| Net loans and leases to total assets | 71.2213% | 2,049 |
| Net loans and leases to deposits | 89.2602% | 1,601 |
| Net loans and leases to core deposits | 108.3234% | 934 |
| Total domestic deposits to total assets | 79.7906% | 3,897 |
| Equity capital to assets | 20.0262% | 244 |
| Core capital (leverage) ratio | 22.0405% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.3489% | 130 |
| Memoranda: | ||
| Average total assets | $33,916,000 | 4,931 |
| Average earning assets | $30,801,000 | 4,926 |
| Average equity | $6,881,500 | 4,614 |
| Average total loans | $24,521,000 | 4,707 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 2,650 |
| Cost of funding earning assets | 1.1435% | 1,174 |
| Net interest margin | 3.4471% | 3,599 |
| Noninterest income to average assets | 0.0061% | 5,118 |
| Noninterest expense to average assets | 2.6036% | 3,167 |
| Loan and lease loss provision to assets | 0.0274% | 3,465 |
| Net operating income to assets | 0.4543% | 4,499 |
| Return on assets (ROA) | 0.4543% | 4,532 |
| Pretax return on assets | 0.5457% | 4,500 |
| Return on Equity (ROE) | 2.1822% | 4,777 |
| Retained earnings to average equity (ytd only) | 2.1822% | 3,906 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9578% | 802 |
| Assets per employee ($millions) | 5.5737% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2573% | 5,067 |
| Loan loss allowance to noncurrent loans | 18.5841% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 1,070 |
| Noncurrent loans to loans | 1.3846% | 1,064 |
| Net loans and leases to total assets | 73.0249% | 1,919 |
| Net loans and leases to deposits | 92.1860% | 1,346 |
| Net loans and leases to core deposits | 109.4523% | 885 |
| Total domestic deposits to total assets | 79.2148% | 4,144 |
| Equity capital to assets | 20.5610% | 228 |
| Core capital (leverage) ratio | 20.7602% | 208 |
| Tier 1 risk-based capital ratio | 42.8972% | 199 |
| Total risk-based capital ratio | 43.2903% | 205 |
| Memoranda: | ||
| Average total assets | $32,800,400 | 4,996 |
| Average earning assets | $30,170,000 | 4,985 |
| Average equity | $6,828,000 | 4,655 |
| Average total loans | $25,587,800 | 4,738 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 2,748 |
| Cost of funding earning assets | 1.1096% | 1,310 |
| Net interest margin | 3.4834% | 3,614 |
| Noninterest income to average assets | 0.0041% | 5,203 |
| Noninterest expense to average assets | 2.4999% | 3,437 |
| Loan and lease loss provision to assets | 0.0286% | 3,334 |
| Net operating income to assets | 0.6209% | 4,240 |
| Return on assets (ROA) | 0.6209% | 4,291 |
| Pretax return on assets | 0.6944% | 4,353 |
| Return on Equity (ROE) | 2.9733% | 4,767 |
| Retained earnings to average equity (ytd only) | 2.9733% | 3,894 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5665% | 1,147 |
| Assets per employee ($millions) | 4.0728% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2383% | 5,152 |
| Loan loss allowance to noncurrent loans | 17.0391% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 1.7003% | 606 |
| Noncurrent loans to loans | 1.3983% | 1,093 |
| Net loans and leases to total assets | 78.3899% | 1,077 |
| Net loans and leases to deposits | 99.8514% | 649 |
| Net loans and leases to core deposits | 119.2001% | 562 |
| Total domestic deposits to total assets | 78.5065% | 4,262 |
| Equity capital to assets | 21.1129% | 214 |
| Core capital (leverage) ratio | 20.8746% | 208 |
| Tier 1 risk-based capital ratio | 41.1670% | 228 |
| Total risk-based capital ratio | 41.5320% | 235 |
| Memoranda: | ||
| Average total assets | $32,640,000 | 5,075 |
| Average earning assets | $30,161,000 | 5,059 |
| Average equity | $6,816,000 | 4,719 |
| Average total loans | $25,863,750 | 4,798 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 2,602 |
| Cost of funding earning assets | 1.0427% | 1,525 |
| Net interest margin | 3.5798% | 3,339 |
| Noninterest income to average assets | 0.0061% | 5,248 |
| Noninterest expense to average assets | 2.4495% | 3,610 |
| Loan and lease loss provision to assets | 0.0306% | 3,207 |
| Net operating income to assets | 0.7532% | 3,814 |
| Return on assets (ROA) | 0.7532% | 3,877 |
| Pretax return on assets | 0.8267% | 4,029 |
| Return on Equity (ROE) | 3.6203% | 4,665 |
| Retained earnings to average equity (ytd only) | 3.6203% | 3,439 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0741% | 1,637 |
| Assets per employee ($millions) | 4.1245% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2295% | 5,208 |
| Loan loss allowance to noncurrent loans | 26.4574% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.2699% | 1,019 |
| Noncurrent loans to loans | 0.8673% | 1,870 |
| Net loans and leases to total assets | 77.7458% | 1,265 |
| Net loans and leases to deposits | 98.4458% | 803 |
| Net loans and leases to core deposits | 115.6895% | 697 |
| Total domestic deposits to total assets | 78.9732% | 4,229 |
| Equity capital to assets | 20.7601% | 220 |
| Core capital (leverage) ratio | 21.0103% | 195 |
| Tier 1 risk-based capital ratio | 40.5565% | 227 |
| Total risk-based capital ratio | 40.9059% | 233 |
| Memoranda: | ||
| Average total assets | $32,659,330 | 5,116 |
| Average earning assets | $30,113,330 | 5,100 |
| Average equity | $6,795,000 | 4,751 |
| Average total loans | $25,951,000 | 4,833 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 1,924 |
| Cost of funding earning assets | 0.9661% | 1,713 |
| Net interest margin | 3.8248% | 2,436 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 2.4622% | 3,600 |
| Loan and lease loss provision to assets | 0.0246% | 3,108 |
| Net operating income to assets | 0.9972% | 2,851 |
| Return on assets (ROA) | 0.9972% | 2,890 |
| Pretax return on assets | 1.0711% | 3,235 |
| Return on Equity (ROE) | 4.7876% | 4,389 |
| Retained earnings to average equity (ytd only) | 4.7876% | 3,004 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2042% | 2,471 |
| Assets per employee ($millions) | 4.0586% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2152% | 5,277 |
| Loan loss allowance to noncurrent loans | 40.2878% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.0318% | 1,354 |
| Noncurrent loans to loans | 0.5341% | 2,711 |
| Net loans and leases to total assets | 79.9747% | 838 |
| Net loans and leases to deposits | 101.4415% | 532 |
| Net loans and leases to core deposits | 116.8422% | 622 |
| Total domestic deposits to total assets | 78.8383% | 4,379 |
| Equity capital to assets | 20.9677% | 197 |
| Core capital (leverage) ratio | 20.9664% | 198 |
| Tier 1 risk-based capital ratio | 40.4348% | 229 |
| Total risk-based capital ratio | 40.7674% | 239 |
| Memoranda: | ||
| Average total assets | $32,491,000 | 5,171 |
| Average earning assets | $30,223,500 | 5,148 |
| Average equity | $6,767,500 | 4,792 |
| Average total loans | $26,070,500 | 4,881 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9990% | 4,033 |
| Cost of funding earning assets | 0.6868% | 2,168 |
| Net interest margin | 3.3123% | 4,218 |
| Noninterest income to average assets | 0.1185% | 5,086 |
| Noninterest expense to average assets | 2.5072% | 3,594 |
| Loan and lease loss provision to assets | 0.0395% | 3,406 |
| Net operating income to assets | 0.4954% | 4,670 |
| Return on assets (ROA) | 0.4954% | 4,675 |
| Pretax return on assets | 0.6352% | 4,567 |
| Return on Equity (ROE) | 2.4474% | 4,984 |
| Retained earnings to average equity (ytd only) | 2.4474% | 4,165 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7966% | 1,055 |
| Assets per employee ($millions) | 3.6126% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2068% | 5,325 |
| Loan loss allowance to noncurrent loans | 9.5238% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 1.8577% | 543 |
| Noncurrent loans to loans | 2.1709% | 596 |
| Net loans and leases to total assets | 80.1649% | 913 |
| Net loans and leases to deposits | 101.4795% | 627 |
| Net loans and leases to core deposits | 116.7690% | 660 |
| Total domestic deposits to total assets | 78.9961% | 4,311 |
| Equity capital to assets | 20.6902% | 206 |
| Core capital (leverage) ratio | 20.3991% | 219 |
| Tier 1 risk-based capital ratio | 40.0727% | 234 |
| Total risk-based capital ratio | 40.3944% | 242 |
| Memoranda: | ||
| Average total assets | $32,905,400 | 5,206 |
| Average earning assets | $30,432,400 | 5,190 |
| Average equity | $6,660,200 | 4,798 |
| Average total loans | $25,721,600 | 4,918 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 4,141 |
| Cost of funding earning assets | 0.6300% | 2,272 |
| Net interest margin | 3.2988% | 4,279 |
| Noninterest income to average assets | 0.0404% | 5,365 |
| Noninterest expense to average assets | 2.2866% | 4,131 |
| Loan and lease loss provision to assets | 0.0161% | 3,689 |
| Net operating income to assets | 0.7110% | 4,190 |
| Return on assets (ROA) | 0.7110% | 4,200 |
| Pretax return on assets | 0.7837% | 4,338 |
| Return on Equity (ROE) | 3.5322% | 4,917 |
| Retained earnings to average equity (ytd only) | 3.5322% | 4,005 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0838% | 1,582 |
| Assets per employee ($millions) | 3.6629% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1712% | 5,401 |
| Loan loss allowance to noncurrent loans | 6.0160% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 3.0638% | 230 |
| Noncurrent loans to loans | 2.8464% | 404 |
| Net loans and leases to total assets | 79.5790% | 1,079 |
| Net loans and leases to deposits | 100.3366% | 756 |
| Net loans and leases to core deposits | 115.1523% | 753 |
| Total domestic deposits to total assets | 79.3120% | 4,250 |
| Equity capital to assets | 20.4453% | 216 |
| Core capital (leverage) ratio | 20.5839% | 212 |
| Tier 1 risk-based capital ratio | 39.0159% | 247 |
| Total risk-based capital ratio | 39.2764% | 255 |
| Memoranda: | ||
| Average total assets | $33,003,500 | 5,274 |
| Average earning assets | $30,475,250 | 5,260 |
| Average equity | $6,643,500 | 4,854 |
| Average total loans | $25,622,500 | 4,981 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8561% | 4,199 |
| Cost of funding earning assets | 0.6033% | 2,205 |
| Net interest margin | 3.2528% | 4,376 |
| Noninterest income to average assets | 0.0485% | 5,402 |
| Noninterest expense to average assets | 2.3685% | 3,979 |
| Loan and lease loss provision to assets | 0.0182% | 3,535 |
| Net operating income to assets | 0.5937% | 4,512 |
| Return on assets (ROA) | 0.5937% | 4,515 |
| Pretax return on assets | 0.6663% | 4,596 |
| Return on Equity (ROE) | 2.9646% | 5,033 |
| Retained earnings to average equity (ytd only) | 2.9646% | 4,070 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5794% | 1,234 |
| Assets per employee ($millions) | 3.7043% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1694% | 5,460 |
| Loan loss allowance to noncurrent loans | 9.7778% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 2.1476% | 473 |
| Noncurrent loans to loans | 1.7322% | 916 |
| Net loans and leases to total assets | 77.7888% | 1,349 |
| Net loans and leases to deposits | 97.4633% | 1,000 |
| Net loans and leases to core deposits | 111.5249% | 909 |
| Total domestic deposits to total assets | 79.8134% | 4,273 |
| Equity capital to assets | 19.9826% | 232 |
| Core capital (leverage) ratio | 20.2394% | 213 |
| Tier 1 risk-based capital ratio | 39.0252% | 244 |
| Total risk-based capital ratio | 39.2830% | 257 |
| Memoranda: | ||
| Average total assets | $33,016,000 | 5,339 |
| Average earning assets | $30,497,000 | 5,325 |
| Average equity | $6,611,330 | 4,906 |
| Average total loans | $25,403,670 | 5,043 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8013% | 4,215 |
| Cost of funding earning assets | 0.5828% | 2,153 |
| Net interest margin | 3.2185% | 4,405 |
| Noninterest income to average assets | 0.0974% | 5,341 |
| Noninterest expense to average assets | 2.4350% | 3,847 |
| Loan and lease loss provision to assets | 0.0243% | 3,204 |
| Net operating income to assets | 0.5235% | 4,637 |
| Return on assets (ROA) | 0.5235% | 4,639 |
| Pretax return on assets | 0.5966% | 4,692 |
| Return on Equity (ROE) | 2.6116% | 5,094 |
| Retained earnings to average equity (ytd only) | 2.6116% | 4,133 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6813% | 1,175 |
| Assets per employee ($millions) | 3.6630% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1662% | 5,526 |
| Loan loss allowance to noncurrent loans | 8.5540% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 2.2962% | 438 |
| Noncurrent loans to loans | 1.9427% | 833 |
| Net loans and leases to total assets | 76.5371% | 1,450 |
| Net loans and leases to deposits | 95.8735% | 1,047 |
| Net loans and leases to core deposits | 107.4434% | 1,156 |
| Total domestic deposits to total assets | 79.8313% | 4,444 |
| Equity capital to assets | 20.0443% | 215 |
| Core capital (leverage) ratio | 20.2247% | 206 |
| Tier 1 risk-based capital ratio | 38.6749% | 246 |
| Total risk-based capital ratio | 38.9208% | 258 |
| Memoranda: | ||
| Average total assets | $32,854,500 | 5,396 |
| Average earning assets | $30,200,000 | 5,385 |
| Average equity | $6,586,000 | 4,962 |
| Average total loans | $25,116,500 | 5,101 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 4,510 |
| Cost of funding earning assets | 0.5728% | 1,800 |
| Net interest margin | 3.0572% | 4,776 |
| Noninterest income to average assets | -0.0060% | 5,628 |
| Noninterest expense to average assets | 2.6428% | 3,305 |
| Loan and lease loss provision to assets | 0.0089% | 4,091 |
| Net operating income to assets | 0.1223% | 5,229 |
| Return on assets (ROA) | 0.1223% | 5,235 |
| Pretax return on assets | 0.1760% | 5,331 |
| Return on Equity (ROE) | 0.6249% | 5,293 |
| Retained earnings to average equity (ytd only) | 0.6249% | 4,790 |
| Net charge-offs to loans | 0.1658% | 1,480 |
| Credit loss provision to net charge-offs | 7.1429% | 3,680 |
| Earnings coverage of net charge-offs (x) | 1.4762% | 3,884 |
| Efficiency ratio | 93.4599% | 311 |
| Assets per employee ($millions) | 3.6380% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1643% | 5,589 |
| Loan loss allowance to noncurrent loans | 11.4846% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 2.0738% | 527 |
| Noncurrent loans to loans | 1.4303% | 1,200 |
| Net loans and leases to total assets | 76.1041% | 1,572 |
| Net loans and leases to deposits | 95.4128% | 1,135 |
| Net loans and leases to core deposits | 104.8605% | 1,351 |
| Total domestic deposits to total assets | 79.7630% | 4,381 |
| Equity capital to assets | 20.0476% | 207 |
| Core capital (leverage) ratio | 19.9126% | 201 |
| Tier 1 risk-based capital ratio | 39.1600% | 230 |
| Total risk-based capital ratio | 39.4046% | 247 |
| Memoranda: | ||
| Average total assets | $33,525,000 | 5,440 |
| Average earning assets | $31,074,000 | 5,421 |
| Average equity | $6,561,000 | 5,012 |
| Average total loans | $25,328,600 | 5,148 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5573% | 4,665 |
| Cost of funding earning assets | 0.5659% | 1,769 |
| Net interest margin | 2.9914% | 4,936 |
| Noninterest income to average assets | 0.0158% | 5,658 |
| Noninterest expense to average assets | 2.4277% | 3,945 |
| Loan and lease loss provision to assets | 0.0079% | 3,974 |
| Net operating income to assets | 0.2610% | 5,284 |
| Return on assets (ROA) | 0.2610% | 5,301 |
| Pretax return on assets | 0.3598% | 5,244 |
| Return on Equity (ROE) | 1.3414% | 5,389 |
| Retained earnings to average equity (ytd only) | 1.3414% | 4,867 |
| Net charge-offs to loans | 0.2255% | 958 |
| Credit loss provision to net charge-offs | 4.6512% | 3,253 |
| Earnings coverage of net charge-offs (x) | 2.1629% | 3,501 |
| Efficiency ratio | 86.8458% | 577 |
| Assets per employee ($millions) | 3.6532% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1566% | 5,660 |
| Loan loss allowance to noncurrent loans | 11.3043% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 2.4788% | 434 |
| Noncurrent loans to loans | 1.3849% | 1,354 |
| Net loans and leases to total assets | 75.6501% | 1,649 |
| Net loans and leases to deposits | 94.8699% | 1,214 |
| Net loans and leases to core deposits | 104.8432% | 1,341 |
| Total domestic deposits to total assets | 79.7409% | 4,380 |
| Equity capital to assets | 20.0401% | 226 |
| Core capital (leverage) ratio | 19.8667% | 213 |
| Tier 1 risk-based capital ratio | 38.7657% | 238 |
| Total risk-based capital ratio | 38.9951% | 257 |
| Memoranda: | ||
| Average total assets | $33,720,750 | 5,497 |
| Average earning assets | $31,334,000 | 5,480 |
| Average equity | $6,560,250 | 5,065 |
| Average total loans | $25,421,000 | 5,197 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5167% | 4,725 |
| Cost of funding earning assets | 0.5629% | 1,695 |
| Net interest margin | 2.9538% | 4,997 |
| Noninterest income to average assets | 0.0176% | 5,702 |
| Noninterest expense to average assets | 2.3646% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3059% | 5,209 |
| Return on assets (ROA) | 0.3059% | 5,229 |
| Pretax return on assets | 0.4000% | 5,176 |
| Return on Equity (ROE) | 1.5876% | 5,398 |
| Retained earnings to average equity (ytd only) | 1.5876% | 4,618 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5319% | 728 |
| Assets per employee ($millions) | 3.6992% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3167% | 5,658 |
| Loan loss allowance to noncurrent loans | 20.6186% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 2.4059% | 468 |
| Noncurrent loans to loans | 1.5358% | 1,218 |
| Net loans and leases to total assets | 75.6435% | 1,589 |
| Net loans and leases to deposits | 94.4317% | 1,225 |
| Net loans and leases to core deposits | 104.1436% | 1,343 |
| Total domestic deposits to total assets | 80.1039% | 4,388 |
| Equity capital to assets | 19.7489% | 229 |
| Core capital (leverage) ratio | 19.6023% | 214 |
| Tier 1 risk-based capital ratio | 38.6174% | 233 |
| Total risk-based capital ratio | 39.0873% | 241 |
| Memoranda: | ||
| Average total assets | $34,001,330 | 5,539 |
| Average earning assets | $31,620,670 | 5,519 |
| Average equity | $6,550,670 | 5,099 |
| Average total loans | $25,590,670 | 5,226 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5325% | 4,599 |
| Cost of funding earning assets | 0.5617% | 1,636 |
| Net interest margin | 2.9708% | 4,959 |
| Noninterest income to average assets | 0.0233% | 5,776 |
| Noninterest expense to average assets | 2.3402% | 4,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3609% | 5,046 |
| Return on assets (ROA) | 0.3609% | 5,067 |
| Pretax return on assets | 0.4541% | 5,050 |
| Return on Equity (ROE) | 1.8965% | 5,351 |
| Retained earnings to average equity (ytd only) | 1.8965% | 4,365 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7500% | 992 |
| Assets per employee ($millions) | 3.7621% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3124% | 5,737 |
| Loan loss allowance to noncurrent loans | 17.4292% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 2.5754% | 443 |
| Noncurrent loans to loans | 1.7925% | 1,045 |
| Net loans and leases to total assets | 75.3891% | 1,514 |
| Net loans and leases to deposits | 93.6184% | 1,152 |
| Net loans and leases to core deposits | 102.9897% | 1,294 |
| Total domestic deposits to total assets | 80.5281% | 4,516 |
| Equity capital to assets | 19.3567% | 230 |
| Core capital (leverage) ratio | 18.9767% | 233 |
| Tier 1 risk-based capital ratio | 37.2302% | 270 |
| Total risk-based capital ratio | 37.6846% | 283 |
| Memoranda: | ||
| Average total assets | $34,355,500 | 5,592 |
| Average earning assets | $32,045,500 | 5,573 |
| Average equity | $6,538,500 | 5,153 |
| Average total loans | $25,754,000 | 5,279 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5326% | 4,689 |
| Cost of funding earning assets | 0.5898% | 1,411 |
| Net interest margin | 2.9428% | 5,060 |
| Noninterest income to average assets | 0.0174% | 5,831 |
| Noninterest expense to average assets | 2.4850% | 4,066 |
| Loan and lease loss provision to assets | 0.0029% | 4,296 |
| Net operating income to assets | 0.1945% | 5,429 |
| Return on assets (ROA) | 0.1945% | 5,476 |
| Pretax return on assets | 0.2526% | 5,426 |
| Return on Equity (ROE) | 1.0325% | 5,563 |
| Retained earnings to average equity (ytd only) | 1.0325% | 4,909 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6780% | 515 |
| Assets per employee ($millions) | 3.4852% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3089% | 5,794 |
| Loan loss allowance to noncurrent loans | 16.1290% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 2.6082% | 445 |
| Noncurrent loans to loans | 1.9149% | 960 |
| Net loans and leases to total assets | 74.0904% | 1,842 |
| Net loans and leases to deposits | 91.3536% | 1,527 |
| Net loans and leases to core deposits | 99.1590% | 1,694 |
| Total domestic deposits to total assets | 81.1029% | 4,313 |
| Equity capital to assets | 18.7163% | 260 |
| Core capital (leverage) ratio | 18.8189% | 239 |
| Tier 1 risk-based capital ratio | 35.9751% | 295 |
| Total risk-based capital ratio | 36.4163% | 310 |
| Memoranda: | ||
| Average total assets | $34,446,600 | 5,642 |
| Average earning assets | $31,874,600 | 5,630 |
| Average equity | $6,489,200 | 5,193 |
| Average total loans | $25,892,000 | 5,318 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5182% | 4,757 |
| Cost of funding earning assets | 0.5955% | 1,368 |
| Net interest margin | 2.9227% | 5,144 |
| Noninterest income to average assets | 0.0272% | 5,884 |
| Noninterest expense to average assets | 2.4768% | 4,058 |
| Loan and lease loss provision to assets | 0.0039% | 4,144 |
| Net operating income to assets | 0.1553% | 5,545 |
| Return on assets (ROA) | 0.1553% | 5,605 |
| Pretax return on assets | 0.2523% | 5,510 |
| Return on Equity (ROE) | 0.8229% | 5,662 |
| Retained earnings to average equity (ytd only) | 0.8229% | 5,137 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6250% | 535 |
| Assets per employee ($millions) | 3.8112% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3076% | 5,853 |
| Loan loss allowance to noncurrent loans | 42.7807% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 2.0145% | 774 |
| Noncurrent loans to loans | 0.7189% | 2,875 |
| Net loans and leases to total assets | 75.5984% | 1,596 |
| Net loans and leases to deposits | 93.7355% | 1,285 |
| Net loans and leases to core deposits | 100.7342% | 1,567 |
| Total domestic deposits to total assets | 80.6507% | 4,339 |
| Equity capital to assets | 18.9382% | 269 |
| Core capital (leverage) ratio | 19.1273% | 226 |
| Tier 1 risk-based capital ratio | 35.4392% | 323 |
| Total risk-based capital ratio | 35.8756% | 339 |
| Memoranda: | ||
| Average total assets | $34,345,250 | 5,705 |
| Average earning assets | $31,796,000 | 5,691 |
| Average equity | $6,480,750 | 5,245 |
| Average total loans | $25,889,500 | 5,373 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5283% | 4,789 |
| Cost of funding earning assets | 0.6070% | 1,267 |
| Net interest margin | 2.9212% | 5,228 |
| Noninterest income to average assets | -0.0233% | 6,024 |
| Noninterest expense to average assets | 2.3341% | 4,517 |
| Loan and lease loss provision to assets | 0.0058% | 3,944 |
| Net operating income to assets | 0.2270% | 5,475 |
| Return on assets (ROA) | 0.2270% | 5,539 |
| Pretax return on assets | 0.3260% | 5,458 |
| Return on Equity (ROE) | 1.2045% | 5,653 |
| Retained earnings to average equity (ytd only) | 1.2045% | 4,897 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5546% | 749 |
| Assets per employee ($millions) | 3.7729% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3139% | 5,931 |
| Loan loss allowance to noncurrent loans | 31.6206% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 2.2294% | 681 |
| Noncurrent loans to loans | 0.9928% | 2,298 |
| Net loans and leases to total assets | 74.8145% | 1,683 |
| Net loans and leases to deposits | 92.9562% | 1,400 |
| Net loans and leases to core deposits | 99.9685% | 1,634 |
| Total domestic deposits to total assets | 80.4836% | 4,415 |
| Equity capital to assets | 19.1277% | 256 |
| Core capital (leverage) ratio | 18.6976% | 247 |
| Tier 1 risk-based capital ratio | 36.1818% | 303 |
| Total risk-based capital ratio | 36.6275% | 319 |
| Memoranda: | ||
| Average total assets | $34,360,000 | 5,772 |
| Average earning assets | $31,630,330 | 5,761 |
| Average equity | $6,475,670 | 5,287 |
| Average total loans | $25,849,000 | 5,437 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5358% | 4,798 |
| Cost of funding earning assets | 0.6083% | 1,281 |
| Net interest margin | 2.9275% | 5,269 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 2.3378% | 4,558 |
| Loan and lease loss provision to assets | 0.0116% | 3,536 |
| Net operating income to assets | 0.2315% | 5,473 |
| Return on assets (ROA) | 0.2315% | 5,534 |
| Pretax return on assets | 0.3241% | 5,463 |
| Return on Equity (ROE) | 1.2372% | 5,656 |
| Retained earnings to average equity (ytd only) | 1.2372% | 4,757 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4459% | 854 |
| Assets per employee ($millions) | 3.8682% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3097% | 6,002 |
| Loan loss allowance to noncurrent loans | 85.1064% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.7177% | 1,119 |
| Noncurrent loans to loans | 0.3639% | 4,127 |
| Net loans and leases to total assets | 73.9674% | 1,733 |
| Net loans and leases to deposits | 91.2638% | 1,431 |
| Net loans and leases to core deposits | 97.8121% | 1,648 |
| Total domestic deposits to total assets | 81.0479% | 4,483 |
| Equity capital to assets | 18.6017% | 284 |
| Core capital (leverage) ratio | 18.5389% | 257 |
| Tier 1 risk-based capital ratio | 35.8067% | 310 |
| Total risk-based capital ratio | 36.2490% | 330 |
| Memoranda: | ||
| Average total assets | $34,562,000 | 5,829 |
| Average earning assets | $31,563,000 | 5,823 |
| Average equity | $6,466,000 | 5,326 |
| Average total loans | $26,031,500 | 5,485 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5966% | 4,688 |
| Cost of funding earning assets | 0.5316% | 1,912 |
| Net interest margin | 3.0650% | 4,994 |
| Noninterest income to average assets | 0.0177% | 6,070 |
| Noninterest expense to average assets | 2.4844% | 4,275 |
| Loan and lease loss provision to assets | 0.0295% | 3,781 |
| Net operating income to assets | 0.1800% | 5,621 |
| Return on assets (ROA) | 0.1800% | 5,672 |
| Pretax return on assets | 0.3275% | 5,464 |
| Return on Equity (ROE) | 0.9439% | 5,783 |
| Retained earnings to average equity (ytd only) | 0.9439% | 5,142 |
| Net charge-offs to loans | 0.0371% | 3,481 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 12.1000% | 2,499 |
| Efficiency ratio | 87.4351% | 873 |
| Assets per employee ($millions) | 4.2888% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3012% | 6,057 |
| Loan loss allowance to noncurrent loans | 84.0426% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 2.1743% | 777 |
| Noncurrent loans to loans | 0.3583% | 4,164 |
| Net loans and leases to total assets | 76.2256% | 1,376 |
| Net loans and leases to deposits | 94.3368% | 1,171 |
| Net loans and leases to core deposits | 101.2191% | 1,427 |
| Total domestic deposits to total assets | 80.8015% | 4,544 |
| Equity capital to assets | 18.8167% | 260 |
| Core capital (leverage) ratio | 19.1903% | 230 |
| Tier 1 risk-based capital ratio | 35.5997% | 325 |
| Total risk-based capital ratio | 36.0353% | 339 |
| Memoranda: | ||
| Average total assets | $33,891,200 | 5,892 |
| Average earning assets | $31,223,800 | 5,874 |
| Average equity | $6,462,400 | 5,350 |
| Average total loans | $26,929,400 | 5,488 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 4,721 |
| Cost of funding earning assets | 0.5244% | 2,005 |
| Net interest margin | 3.0821% | 5,009 |
| Noninterest income to average assets | 0.0079% | 6,178 |
| Noninterest expense to average assets | 2.1981% | 5,057 |
| Loan and lease loss provision to assets | 0.0276% | 3,699 |
| Net operating income to assets | 0.5367% | 4,648 |
| Return on assets (ROA) | 0.5367% | 4,745 |
| Pretax return on assets | 0.6353% | 4,883 |
| Return on Equity (ROE) | 2.8052% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.8052% | 4,438 |
| Net charge-offs to loans | 0.0492% | 2,913 |
| Credit loss provision to net charge-offs | 70.0000% | 2,770 |
| Earnings coverage of net charge-offs (x) | 16.8035% | 2,090 |
| Efficiency ratio | 76.8276% | 2,114 |
| Assets per employee ($millions) | 4.1840% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2872% | 6,152 |
| Loan loss allowance to noncurrent loans | 25.3333% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 3.0862% | 477 |
| Noncurrent loans to loans | 1.1335% | 2,243 |
| Net loans and leases to total assets | 78.8420% | 983 |
| Net loans and leases to deposits | 98.3600% | 791 |
| Net loans and leases to core deposits | 105.7758% | 1,117 |
| Total domestic deposits to total assets | 80.1565% | 4,709 |
| Equity capital to assets | 19.5118% | 255 |
| Core capital (leverage) ratio | 19.5838% | 221 |
| Tier 1 risk-based capital ratio | 36.1588% | 321 |
| Total risk-based capital ratio | 36.5796% | 339 |
| Memoranda: | ||
| Average total assets | $33,786,500 | 5,973 |
| Average earning assets | $31,276,250 | 5,950 |
| Average equity | $6,464,000 | 5,419 |
| Average total loans | $27,103,750 | 5,539 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5740% | 4,793 |
| Cost of funding earning assets | 0.5124% | 2,141 |
| Net interest margin | 3.0616% | 5,063 |
| Noninterest income to average assets | 0.0059% | 6,253 |
| Noninterest expense to average assets | 2.2071% | 5,096 |
| Loan and lease loss provision to assets | 0.0295% | 3,539 |
| Net operating income to assets | 0.5252% | 4,669 |
| Return on assets (ROA) | 0.5252% | 4,769 |
| Pretax return on assets | 0.6255% | 4,908 |
| Return on Equity (ROE) | 2.7633% | 5,488 |
| Retained earnings to average equity (ytd only) | 2.7633% | 4,293 |
| Net charge-offs to loans | 0.0732% | 2,346 |
| Credit loss provision to net charge-offs | 50.0000% | 2,703 |
| Earnings coverage of net charge-offs (x) | 11.1000% | 2,321 |
| Efficiency ratio | 77.1134% | 2,186 |
| Assets per employee ($millions) | 4.2178% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2705% | 6,225 |
| Loan loss allowance to noncurrent loans | 67.8899% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 2.4984% | 756 |
| Noncurrent loans to loans | 0.3984% | 4,286 |
| Net loans and leases to total assets | 80.8666% | 688 |
| Net loans and leases to deposits | 100.4935% | 621 |
| Net loans and leases to core deposits | 107.9565% | 956 |
| Total domestic deposits to total assets | 80.4694% | 4,757 |
| Equity capital to assets | 19.2164% | 256 |
| Core capital (leverage) ratio | 19.4674% | 223 |
| Tier 1 risk-based capital ratio | 37.3201% | 303 |
| Total risk-based capital ratio | 37.7461% | 320 |
| Memoranda: | ||
| Average total assets | $33,891,330 | 6,038 |
| Average earning assets | $31,617,000 | 6,008 |
| Average equity | $6,441,670 | 5,463 |
| Average total loans | $27,316,330 | 5,581 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5670% | 4,784 |
| Cost of funding earning assets | 0.5150% | 2,154 |
| Net interest margin | 3.0520% | 5,074 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 2.1433% | 5,293 |
| Loan and lease loss provision to assets | 0.0236% | 3,401 |
| Net operating income to assets | 0.6006% | 4,289 |
| Return on assets (ROA) | 0.6006% | 4,386 |
| Pretax return on assets | 0.6948% | 4,611 |
| Return on Equity (ROE) | 3.1773% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.1773% | 4,081 |
| Net charge-offs to loans | 0.1465% | 1,365 |
| Credit loss provision to net charge-offs | 20.0000% | 2,359 |
| Earnings coverage of net charge-offs (x) | 6.1000% | 2,327 |
| Efficiency ratio | 74.8971% | 2,668 |
| Assets per employee ($millions) | 4.1810% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2606% | 6,308 |
| Loan loss allowance to noncurrent loans | 122.4138% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 2.3679% | 928 |
| Noncurrent loans to loans | 0.2129% | 5,018 |
| Net loans and leases to total assets | 81.2306% | 545 |
| Net loans and leases to deposits | 100.9587% | 514 |
| Net loans and leases to core deposits | 107.2260% | 858 |
| Total domestic deposits to total assets | 80.4592% | 4,940 |
| Equity capital to assets | 19.2717% | 254 |
| Core capital (leverage) ratio | 20.6180% | 182 |
| Tier 1 risk-based capital ratio | 37.1206% | 303 |
| Total risk-based capital ratio | 37.5295% | 322 |
| Memoranda: | ||
| Average total assets | $33,966,000 | 6,097 |
| Average earning assets | $31,847,500 | 6,062 |
| Average equity | $6,420,500 | 5,513 |
| Average total loans | $27,294,500 | 5,625 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 5,056 |
| Cost of funding earning assets | 0.5187% | 2,502 |
| Net interest margin | 3.0934% | 5,224 |
| Noninterest income to average assets | -0.1287% | 6,461 |
| Noninterest expense to average assets | 2.3951% | 4,858 |
| Loan and lease loss provision to assets | 0.0263% | 4,082 |
| Net operating income to assets | 0.2135% | 5,740 |
| Return on assets (ROA) | 0.2135% | 5,800 |
| Pretax return on assets | 0.3100% | 5,683 |
| Return on Equity (ROE) | 1.1491% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.1491% | 5,261 |
| Net charge-offs to loans | 0.0656% | 3,547 |
| Credit loss provision to net charge-offs | 50.0000% | 3,478 |
| Earnings coverage of net charge-offs (x) | 6.3889% | 3,209 |
| Efficiency ratio | 87.6874% | 1,018 |
| Assets per employee ($millions) | 4.3105% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2889% | 6,389 |
| Loan loss allowance to noncurrent loans | 49.6855% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 2.5983% | 870 |
| Noncurrent loans to loans | 0.5814% | 3,922 |
| Net loans and leases to total assets | 79.0773% | 875 |
| Net loans and leases to deposits | 97.4519% | 795 |
| Net loans and leases to core deposits | 103.2408% | 1,170 |
| Total domestic deposits to total assets | 81.1449% | 4,697 |
| Equity capital to assets | 18.5448% | 288 |
| Core capital (leverage) ratio | 18.6221% | 263 |
| Tier 1 risk-based capital ratio | 34.1522% | 362 |
| Total risk-based capital ratio | 34.5741% | 378 |
| Memoranda: | ||
| Average total assets | $34,194,600 | 6,173 |
| Average earning assets | $31,616,000 | 6,152 |
| Average equity | $6,353,000 | 5,556 |
| Average total loans | $27,426,600 | 5,674 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 5,109 |
| Cost of funding earning assets | 0.5167% | 2,587 |
| Net interest margin | 3.0958% | 5,270 |
| Noninterest income to average assets | 0.0078% | 6,461 |
| Noninterest expense to average assets | 2.5555% | 4,338 |
| Loan and lease loss provision to assets | 0.0352% | 3,700 |
| Net operating income to assets | 0.1680% | 5,909 |
| Return on assets (ROA) | 0.1680% | 5,948 |
| Pretax return on assets | 0.2735% | 5,819 |
| Return on Equity (ROE) | 0.9039% | 6,046 |
| Retained earnings to average equity (ytd only) | 0.9039% | 5,522 |
| Net charge-offs to loans | 0.0874% | 2,958 |
| Credit loss provision to net charge-offs | 50.0000% | 3,096 |
| Earnings coverage of net charge-offs (x) | 4.3888% | 3,474 |
| Efficiency ratio | 89.2224% | 905 |
| Assets per employee ($millions) | 4.2834% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2927% | 6,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2296% | 1,233 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 78.5333% | 894 |
| Net loans and leases to deposits | 97.0185% | 791 |
| Net loans and leases to core deposits | 102.8197% | 1,165 |
| Total domestic deposits to total assets | 80.9467% | 4,835 |
| Equity capital to assets | 18.5747% | 297 |
| Core capital (leverage) ratio | 18.5558% | 273 |
| Tier 1 risk-based capital ratio | 34.0211% | 387 |
| Total risk-based capital ratio | 34.4433% | 403 |
| Memoranda: | ||
| Average total assets | $34,122,250 | 6,250 |
| Average earning assets | $31,482,500 | 6,229 |
| Average equity | $6,342,500 | 5,614 |
| Average total loans | $27,446,250 | 5,734 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6268% | 5,077 |
| Cost of funding earning assets | 0.5099% | 2,732 |
| Net interest margin | 3.1169% | 5,202 |
| Noninterest income to average assets | 0.0059% | 6,535 |
| Noninterest expense to average assets | 2.7235% | 3,782 |
| Loan and lease loss provision to assets | 0.0528% | 3,245 |
| Net operating income to assets | -0.0059% | 6,190 |
| Return on assets (ROA) | -0.0059% | 6,212 |
| Pretax return on assets | 0.0998% | 6,098 |
| Return on Equity (ROE) | -0.0316% | 6,211 |
| Retained earnings to average equity (ytd only) | -0.0316% | 5,687 |
| Net charge-offs to loans | 0.1304% | 2,359 |
| Credit loss provision to net charge-offs | 50.0000% | 2,792 |
| Earnings coverage of net charge-offs (x) | 1.4444% | 3,805 |
| Efficiency ratio | 94.6939% | 608 |
| Assets per employee ($millions) | 4.3043% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2893% | 6,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2158% | 1,366 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 79.0672% | 789 |
| Net loans and leases to deposits | 97.3226% | 715 |
| Net loans and leases to core deposits | 103.0741% | 1,078 |
| Total domestic deposits to total assets | 81.2424% | 4,904 |
| Equity capital to assets | 18.3569% | 306 |
| Core capital (leverage) ratio | 18.5819% | 269 |
| Tier 1 risk-based capital ratio | 33.7084% | 386 |
| Total risk-based capital ratio | 34.1297% | 406 |
| Memoranda: | ||
| Average total assets | $34,074,000 | 6,306 |
| Average earning assets | $31,377,330 | 6,288 |
| Average equity | $6,335,000 | 5,652 |
| Average total loans | $27,598,330 | 5,769 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6344% | 5,055 |
| Cost of funding earning assets | 0.5119% | 2,786 |
| Net interest margin | 3.1226% | 5,166 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 2.1951% | 5,476 |
| Loan and lease loss provision to assets | 0.1062% | 2,150 |
| Net operating income to assets | 0.4721% | 4,828 |
| Return on assets (ROA) | 0.4721% | 4,906 |
| Pretax return on assets | 0.5783% | 4,903 |
| Return on Equity (ROE) | 2.5229% | 5,618 |
| Retained earnings to average equity (ytd only) | 2.5229% | 4,556 |
| Net charge-offs to loans | 0.2595% | 1,295 |
| Credit loss provision to net charge-offs | 50.0000% | 2,203 |
| Earnings coverage of net charge-offs (x) | 3.2222% | 2,719 |
| Efficiency ratio | 76.2295% | 2,761 |
| Assets per employee ($millions) | 4.2325% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2888% | 6,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.0567% | 926 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 80.5493% | 492 |
| Net loans and leases to deposits | 99.6347% | 454 |
| Net loans and leases to core deposits | 101.6776% | 1,004 |
| Total domestic deposits to total assets | 80.8447% | 5,277 |
| Equity capital to assets | 18.7891% | 270 |
| Core capital (leverage) ratio | 18.6290% | 267 |
| Tier 1 risk-based capital ratio | 33.7256% | 394 |
| Total risk-based capital ratio | 34.1444% | 411 |
| Memoranda: | ||
| Average total assets | $33,894,000 | 6,377 |
| Average earning assets | $31,256,500 | 6,356 |
| Average equity | $6,342,000 | 5,682 |
| Average total loans | $27,745,000 | 5,816 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6938% | 5,153 |
| Cost of funding earning assets | 0.6518% | 2,187 |
| Net interest margin | 3.0419% | 5,475 |
| Noninterest income to average assets | -0.0952% | 6,720 |
| Noninterest expense to average assets | 2.2758% | 5,441 |
| Loan and lease loss provision to assets | 0.0224% | 4,680 |
| Net operating income to assets | 0.3163% | 5,467 |
| Return on assets (ROA) | 0.3163% | 5,565 |
| Pretax return on assets | 0.4283% | 5,414 |
| Return on Equity (ROE) | 1.7913% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.7913% | 4,954 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4702% | 1,691 |
| Assets per employee ($millions) | 4.2410% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3128% | 6,682 |
| Loan loss allowance to noncurrent loans | 127.5362% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 2.7617% | 1,200 |
| Noncurrent loans to loans | 0.2452% | 5,445 |
| Net loans and leases to total assets | 82.6721% | 351 |
| Net loans and leases to deposits | 102.0817% | 393 |
| Net loans and leases to core deposits | 104.1591% | 899 |
| Total domestic deposits to total assets | 80.9862% | 5,181 |
| Equity capital to assets | 18.6336% | 279 |
| Core capital (leverage) ratio | 18.3055% | 282 |
| Tier 1 risk-based capital ratio | 32.6972% | 407 |
| Total risk-based capital ratio | 33.1523% | 427 |
| Memoranda: | ||
| Average total assets | $35,724,000 | 6,400 |
| Average earning assets | $33,136,800 | 6,371 |
| Average equity | $6,308,400 | 5,740 |
| Average total loans | $28,532,600 | 5,826 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 5,049 |
| Cost of funding earning assets | 0.6803% | 2,096 |
| Net interest margin | 3.0636% | 5,421 |
| Noninterest income to average assets | 0.0332% | 6,671 |
| Noninterest expense to average assets | 1.9756% | 6,054 |
| Loan and lease loss provision to assets | 0.0184% | 4,649 |
| Net operating income to assets | 0.7593% | 3,562 |
| Return on assets (ROA) | 0.7593% | 3,693 |
| Pretax return on assets | 0.8773% | 3,977 |
| Return on Equity (ROE) | 4.3562% | 5,047 |
| Retained earnings to average equity (ytd only) | 4.3562% | 3,572 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8062% | 3,946 |
| Assets per employee ($millions) | 4.4155% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3004% | 6,769 |
| Loan loss allowance to noncurrent loans | 37.1179% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 2.1968% | 1,812 |
| Noncurrent loans to loans | 0.8092% | 4,217 |
| Net loans and leases to total assets | 79.8720% | 565 |
| Net loans and leases to deposits | 98.2826% | 552 |
| Net loans and leases to core deposits | 101.1472% | 1,045 |
| Total domestic deposits to total assets | 81.2677% | 5,149 |
| Equity capital to assets | 18.1605% | 311 |
| Core capital (leverage) ratio | 17.8026% | 319 |
| Tier 1 risk-based capital ratio | 33.0330% | 396 |
| Total risk-based capital ratio | 33.4706% | 425 |
| Memoranda: | ||
| Average total assets | $36,173,000 | 6,457 |
| Average earning assets | $33,510,750 | 6,437 |
| Average equity | $6,305,000 | 5,811 |
| Average total loans | $28,631,500 | 5,881 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 4,973 |
| Cost of funding earning assets | 0.7011% | 2,055 |
| Net interest margin | 3.0541% | 5,417 |
| Noninterest income to average assets | 0.0384% | 6,702 |
| Noninterest expense to average assets | 2.0244% | 6,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7187% | 3,725 |
| Return on assets (ROA) | 0.7187% | 3,896 |
| Pretax return on assets | 0.8339% | 4,181 |
| Return on Equity (ROE) | 4.1797% | 5,141 |
| Retained earnings to average equity (ytd only) | 4.1797% | 3,630 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8253% | 3,671 |
| Assets per employee ($millions) | 5.2019% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2853% | 6,810 |
| Loan loss allowance to noncurrent loans | 25.2366% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 2.4085% | 1,765 |
| Noncurrent loans to loans | 1.1305% | 3,673 |
| Net loans and leases to total assets | 76.7858% | 891 |
| Net loans and leases to deposits | 93.5931% | 835 |
| Net loans and leases to core deposits | 96.2048% | 1,337 |
| Total domestic deposits to total assets | 82.0421% | 5,045 |
| Equity capital to assets | 17.4114% | 378 |
| Core capital (leverage) ratio | 17.8569% | 294 |
| Tier 1 risk-based capital ratio | 33.7369% | 379 |
| Total risk-based capital ratio | 34.1508% | 402 |
| Memoranda: | ||
| Average total assets | $36,456,000 | 6,494 |
| Average earning assets | $33,660,000 | 6,479 |
| Average equity | $6,268,330 | 5,861 |
| Average total loans | $28,742,330 | 5,903 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 4,731 |
| Cost of funding earning assets | 0.7198% | 2,062 |
| Net interest margin | 3.1070% | 5,236 |
| Noninterest income to average assets | 0.0768% | 6,647 |
| Noninterest expense to average assets | 2.2809% | 5,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5154% | 4,585 |
| Return on assets (ROA) | 0.5154% | 4,732 |
| Pretax return on assets | 0.6360% | 4,817 |
| Return on Equity (ROE) | 3.0164% | 5,583 |
| Retained earnings to average equity (ytd only) | 3.0164% | 4,475 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1955% | 2,579 |
| Assets per employee ($millions) | 5.1753% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2791% | 6,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5458% | 2,947 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 78.9108% | 523 |
| Net loans and leases to deposits | 95.9456% | 547 |
| Net loans and leases to core deposits | 97.7801% | 1,093 |
| Total domestic deposits to total assets | 82.2453% | 5,114 |
| Equity capital to assets | 17.2689% | 395 |
| Core capital (leverage) ratio | 17.1835% | 335 |
| Tier 1 risk-based capital ratio | 32.2325% | 443 |
| Total risk-based capital ratio | 32.6446% | 464 |
| Memoranda: | ||
| Average total assets | $36,477,500 | 6,562 |
| Average earning assets | $33,344,500 | 6,548 |
| Average equity | $6,232,500 | 5,927 |
| Average total loans | $29,093,500 | 5,928 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 5,092 |
| Cost of funding earning assets | 0.7730% | 2,887 |
| Net interest margin | 3.2904% | 5,277 |
| Noninterest income to average assets | -0.1052% | 6,919 |
| Noninterest expense to average assets | 2.2982% | 5,698 |
| Loan and lease loss provision to assets | -0.0554% | 6,870 |
| Net operating income to assets | 0.3291% | 5,366 |
| Return on assets (ROA) | 0.0083% | 6,292 |
| Pretax return on assets | 0.1800% | 6,025 |
| Return on Equity (ROE) | 0.0490% | 6,296 |
| Retained earnings to average equity (ytd only) | 0.0490% | 5,808 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5985% | 2,345 |
| Assets per employee ($millions) | 4.5910% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2710% | 6,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9331% | 2,529 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 80.1568% | 458 |
| Net loans and leases to deposits | 97.0272% | 561 |
| Net loans and leases to core deposits | 98.8450% | 1,087 |
| Total domestic deposits to total assets | 82.6127% | 4,881 |
| Equity capital to assets | 16.9054% | 428 |
| Core capital (leverage) ratio | 16.8375% | 369 |
| Tier 1 risk-based capital ratio | 31.1131% | 468 |
| Total risk-based capital ratio | 31.5191% | 501 |
| Memoranda: | ||
| Average total assets | $36,115,400 | 6,605 |
| Average earning assets | $33,248,600 | 6,577 |
| Average equity | $6,124,000 | 5,990 |
| Average total loans | $29,669,400 | 5,965 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0498% | 5,363 |
| Cost of funding earning assets | 0.7746% | 3,153 |
| Net interest margin | 3.2751% | 5,474 |
| Noninterest income to average assets | 0.0037% | 6,923 |
| Noninterest expense to average assets | 2.2727% | 5,763 |
| Loan and lease loss provision to assets | 0.0853% | 4,542 |
| Net operating income to assets | 0.5524% | 4,614 |
| Return on assets (ROA) | 0.5524% | 4,868 |
| Pretax return on assets | 0.6711% | 4,952 |
| Return on Equity (ROE) | 3.2553% | 5,591 |
| Retained earnings to average equity (ytd only) | 3.2553% | 4,574 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0306% | 2,820 |
| Assets per employee ($millions) | 4.5710% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4168% | 6,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0455% | 2,586 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 80.3708% | 477 |
| Net loans and leases to deposits | 97.1988% | 587 |
| Net loans and leases to core deposits | 100.1738% | 1,106 |
| Total domestic deposits to total assets | 82.6870% | 4,759 |
| Equity capital to assets | 16.8836% | 478 |
| Core capital (leverage) ratio | 17.0308% | 369 |
| Tier 1 risk-based capital ratio | 30.9613% | 482 |
| Total risk-based capital ratio | 31.5782% | 502 |
| Memoranda: | ||
| Average total assets | $35,962,250 | 6,692 |
| Average earning assets | $33,219,250 | 6,660 |
| Average equity | $6,102,750 | 6,066 |
| Average total loans | $29,706,750 | 6,040 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 5,320 |
| Cost of funding earning assets | 0.7774% | 3,386 |
| Net interest margin | 3.3205% | 5,388 |
| Noninterest income to average assets | 0.0280% | 6,922 |
| Noninterest expense to average assets | 2.4105% | 5,422 |
| Loan and lease loss provision to assets | 0.0839% | 4,545 |
| Net operating income to assets | 0.4922% | 4,851 |
| Return on assets (ROA) | 0.4922% | 5,105 |
| Pretax return on assets | 0.6152% | 5,085 |
| Return on Equity (ROE) | 2.8952% | 5,731 |
| Retained earnings to average equity (ytd only) | 2.8952% | 4,705 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5180% | 2,520 |
| Assets per employee ($millions) | 4.4716% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3851% | 7,088 |
| Loan loss allowance to noncurrent loans | 34.6386% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 3.1476% | 1,727 |
| Noncurrent loans to loans | 1.1118% | 4,297 |
| Net loans and leases to total assets | 83.1521% | 260 |
| Net loans and leases to deposits | 100.8373% | 389 |
| Net loans and leases to core deposits | 102.7709% | 937 |
| Total domestic deposits to total assets | 82.4616% | 4,962 |
| Equity capital to assets | 17.0883% | 434 |
| Core capital (leverage) ratio | 17.0250% | 366 |
| Tier 1 risk-based capital ratio | 30.7201% | 489 |
| Total risk-based capital ratio | 31.2981% | 509 |
| Memoranda: | ||
| Average total assets | $35,760,330 | 6,746 |
| Average earning assets | $33,187,330 | 6,704 |
| Average equity | $6,079,000 | 6,098 |
| Average total loans | $29,771,330 | 6,076 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 5,398 |
| Cost of funding earning assets | 0.7844% | 3,588 |
| Net interest margin | 3.3308% | 5,363 |
| Noninterest income to average assets | 0.0448% | 6,955 |
| Noninterest expense to average assets | 2.0921% | 6,285 |
| Loan and lease loss provision to assets | 0.0895% | 4,238 |
| Net operating income to assets | 0.8279% | 3,265 |
| Return on assets (ROA) | 0.8279% | 3,495 |
| Pretax return on assets | 0.9509% | 3,862 |
| Return on Equity (ROE) | 4.8829% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.8829% | 3,622 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7857% | 4,403 |
| Assets per employee ($millions) | 4.5104% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3600% | 7,149 |
| Loan loss allowance to noncurrent loans | 90.0000% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 2.6245% | 2,254 |
| Noncurrent loans to loans | 0.4000% | 5,874 |
| Net loans and leases to total assets | 82.8396% | 232 |
| Net loans and leases to deposits | 100.1877% | 364 |
| Net loans and leases to core deposits | 101.1745% | 909 |
| Total domestic deposits to total assets | 82.6844% | 5,047 |
| Equity capital to assets | 16.9027% | 439 |
| Core capital (leverage) ratio | 17.0831% | 349 |
| Tier 1 risk-based capital ratio | 30.1111% | 514 |
| Total risk-based capital ratio | 30.6443% | 543 |
| Memoranda: | ||
| Average total assets | $35,754,000 | 6,803 |
| Average earning assets | $33,145,000 | 6,764 |
| Average equity | $6,062,000 | 6,131 |
| Average total loans | $29,726,500 | 6,127 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3068% | 5,744 |
| Cost of funding earning assets | 1.0730% | 2,854 |
| Net interest margin | 3.2338% | 5,999 |
| Noninterest income to average assets | 0.0275% | 6,912 |
| Noninterest expense to average assets | 3.1722% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.1071% | 6,171 |
| Return on assets (ROA) | -0.1071% | 6,244 |
| Pretax return on assets | -0.1565% | 6,251 |
| Return on Equity (ROE) | -0.6397% | 6,216 |
| Retained earnings to average equity (ytd only) | -0.6397% | 5,955 |
| Net charge-offs to loans | 0.0912% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -2.1111% | 6,284 |
| Efficiency ratio | 105.1913% | 532 |
| Assets per employee ($millions) | 4.4281% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3395% | 7,200 |
| Loan loss allowance to noncurrent loans | 14.9477% | 6,748 |
| Noncurrent assets plus other real estate owned to assets | 4.4686% | 1,232 |
| Noncurrent loans to loans | 2.2713% | 2,879 |
| Net loans and leases to total assets | 82.8624% | 280 |
| Net loans and leases to deposits | 100.4448% | 438 |
| Net loans and leases to core deposits | 101.4551% | 1,064 |
| Total domestic deposits to total assets | 82.4954% | 4,964 |
| Equity capital to assets | 17.0078% | 440 |
| Core capital (leverage) ratio | 16.6958% | 393 |
| Tier 1 risk-based capital ratio | 30.2566% | 507 |
| Total risk-based capital ratio | 30.7588% | 532 |
| Memoranda: | ||
| Average total assets | $36,410,200 | 6,784 |
| Average earning assets | $33,644,200 | 6,762 |
| Average equity | $6,096,200 | 6,129 |
| Average total loans | $29,613,000 | 6,175 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3463% | 5,792 |
| Cost of funding earning assets | 1.1309% | 2,767 |
| Net interest margin | 3.2154% | 6,123 |
| Noninterest income to average assets | 0.0327% | 7,007 |
| Noninterest expense to average assets | 2.3642% | 5,870 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3419% | 5,244 |
| Return on assets (ROA) | 0.3419% | 5,416 |
| Pretax return on assets | 0.6365% | 4,697 |
| Return on Equity (ROE) | 2.0499% | 5,759 |
| Retained earnings to average equity (ytd only) | 2.0499% | 5,111 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7879% | 2,433 |
| Assets per employee ($millions) | 4.6019% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4355% | 7,206 |
| Loan loss allowance to noncurrent loans | 23.4750% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 5.1012% | 1,126 |
| Noncurrent loans to loans | 1.8550% | 3,560 |
| Net loans and leases to total assets | 78.8755% | 619 |
| Net loans and leases to deposits | 95.7339% | 717 |
| Net loans and leases to core deposits | 95.7339% | 1,631 |
| Total domestic deposits to total assets | 82.3903% | 4,932 |
| Equity capital to assets | 16.7269% | 513 |
| Core capital (leverage) ratio | 16.5671% | 436 |
| Tier 1 risk-based capital ratio | 29.9981% | 537 |
| Total risk-based capital ratio | 30.6167% | 568 |
| Memoranda: | ||
| Average total assets | $36,656,500 | 6,838 |
| Average earning assets | $33,836,250 | 6,821 |
| Average equity | $6,114,000 | 6,172 |
| Average total loans | $29,652,750 | 6,233 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 5,546 |
| Cost of funding earning assets | 1.1565% | 2,861 |
| Net interest margin | 3.2866% | 5,898 |
| Noninterest income to average assets | 0.0273% | 7,126 |
| Noninterest expense to average assets | 2.3003% | 6,132 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4754% | 4,618 |
| Return on assets (ROA) | 0.4754% | 4,757 |
| Pretax return on assets | 0.7704% | 4,145 |
| Return on Equity (ROE) | 2.8528% | 5,462 |
| Retained earnings to average equity (ytd only) | 2.8528% | 4,470 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9110% | 3,199 |
| Assets per employee ($millions) | 4.0878% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4260% | 7,278 |
| Loan loss allowance to noncurrent loans | 30.5288% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 3.5934% | 1,826 |
| Noncurrent loans to loans | 1.3953% | 4,320 |
| Net loans and leases to total assets | 80.6958% | 476 |
| Net loans and leases to deposits | 97.8994% | 597 |
| Net loans and leases to core deposits | 97.8994% | 1,511 |
| Total domestic deposits to total assets | 82.4273% | 5,010 |
| Equity capital to assets | 16.7219% | 514 |
| Core capital (leverage) ratio | 16.8719% | 415 |
| Tier 1 risk-based capital ratio | 30.0288% | 530 |
| Total risk-based capital ratio | 30.6487% | 555 |
| Memoranda: | ||
| Average total assets | $36,603,670 | 6,899 |
| Average earning assets | $33,895,000 | 6,873 |
| Average equity | $6,099,330 | 6,207 |
| Average total loans | $29,815,330 | 6,286 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4704% | 5,444 |
| Cost of funding earning assets | 1.1795% | 2,948 |
| Net interest margin | 3.2909% | 5,811 |
| Noninterest income to average assets | 0.0438% | 7,163 |
| Noninterest expense to average assets | 2.6403% | 5,084 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1643% | 5,903 |
| Return on assets (ROA) | 0.1643% | 5,952 |
| Pretax return on assets | 0.4601% | 5,149 |
| Return on Equity (ROE) | 0.9880% | 6,137 |
| Retained earnings to average equity (ytd only) | 0.9880% | 5,433 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1590% | 1,819 |
| Assets per employee ($millions) | 4.5610% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4313% | 7,330 |
| Loan loss allowance to noncurrent loans | 32.8165% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 3.8944% | 1,717 |
| Noncurrent loans to loans | 1.3143% | 4,503 |
| Net loans and leases to total assets | 80.3497% | 482 |
| Net loans and leases to deposits | 97.3212% | 606 |
| Net loans and leases to core deposits | 97.3212% | 1,574 |
| Total domestic deposits to total assets | 82.5614% | 5,084 |
| Equity capital to assets | 16.6658% | 482 |
| Core capital (leverage) ratio | 16.7272% | 416 |
| Tier 1 risk-based capital ratio | 29.6576% | 536 |
| Total risk-based capital ratio | 30.2770% | 556 |
| Memoranda: | ||
| Average total assets | $36,510,500 | 6,947 |
| Average earning assets | $33,912,000 | 6,925 |
| Average equity | $6,073,000 | 6,219 |
| Average total loans | $29,815,500 | 6,344 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 5,259 |
| Cost of funding earning assets | 1.4145% | 3,171 |
| Net interest margin | 3.4291% | 5,514 |
| Noninterest income to average assets | 0.0596% | 7,065 |
| Noninterest expense to average assets | 2.3438% | 6,230 |
| Loan and lease loss provision to assets | 0.0199% | 6,915 |
| Net operating income to assets | 0.5931% | 3,704 |
| Return on assets (ROA) | 0.5931% | 3,870 |
| Pretax return on assets | 0.9222% | 3,188 |
| Return on Equity (ROE) | 3.4846% | 4,764 |
| Retained earnings to average equity (ytd only) | 3.4846% | 3,431 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3299% | 3,929 |
| Assets per employee ($millions) | 4.0592% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4207% | 7,412 |
| Loan loss allowance to noncurrent loans | 14.6991% | 6,994 |
| Noncurrent assets plus other real estate owned to assets | 3.3531% | 2,096 |
| Noncurrent loans to loans | 2.8623% | 2,661 |
| Net loans and leases to total assets | 82.2790% | 428 |
| Net loans and leases to deposits | 99.5661% | 606 |
| Net loans and leases to core deposits | 99.5661% | 1,650 |
| Total domestic deposits to total assets | 82.6376% | 4,953 |
| Equity capital to assets | 16.6014% | 502 |
| Core capital (leverage) ratio | 16.6196% | 433 |
| Tier 1 risk-based capital ratio | 29.9787% | 508 |
| Total risk-based capital ratio | 30.6065% | 520 |
| Memoranda: | ||
| Average total assets | $35,241,400 | 7,035 |
| Average earning assets | $33,157,000 | 6,976 |
| Average equity | $5,997,800 | 6,368 |
| Average total loans | $29,275,600 | 6,437 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0186% | 4,719 |
| Cost of funding earning assets | 1.4646% | 3,185 |
| Net interest margin | 3.5540% | 5,088 |
| Noninterest income to average assets | 0.0344% | 7,350 |
| Noninterest expense to average assets | 2.1917% | 6,626 |
| Loan and lease loss provision to assets | 0.0267% | 6,800 |
| Net operating income to assets | 0.7751% | 3,112 |
| Return on assets (ROA) | 0.7751% | 3,266 |
| Pretax return on assets | 1.1608% | 2,634 |
| Return on Equity (ROE) | 4.5253% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.5253% | 3,322 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8588% | 5,077 |
| Assets per employee ($millions) | 3.9896% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4233% | 7,513 |
| Loan loss allowance to noncurrent loans | 11.4106% | 7,158 |
| Noncurrent assets plus other real estate owned to assets | 3.6122% | 1,973 |
| Noncurrent loans to loans | 3.7101% | 2,096 |
| Net loans and leases to total assets | 83.1950% | 393 |
| Net loans and leases to deposits | 101.4433% | 557 |
| Net loans and leases to core deposits | 101.4433% | 1,704 |
| Total domestic deposits to total assets | 82.0114% | 4,982 |
| Equity capital to assets | 16.8746% | 531 |
| Core capital (leverage) ratio | 17.1735% | 415 |
| Tier 1 risk-based capital ratio | 30.0412% | 509 |
| Total risk-based capital ratio | 30.6708% | 535 |
| Memoranda: | ||
| Average total assets | $34,918,500 | 7,133 |
| Average earning assets | $32,863,250 | 7,072 |
| Average equity | $5,981,000 | 6,452 |
| Average total loans | $29,048,000 | 6,530 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1652% | 4,116 |
| Cost of funding earning assets | 1.5336% | 3,045 |
| Net interest margin | 3.6316% | 4,680 |
| Noninterest income to average assets | 0.0347% | 7,411 |
| Noninterest expense to average assets | 2.0931% | 6,925 |
| Loan and lease loss provision to assets | 0.0289% | 6,659 |
| Net operating income to assets | 0.9945% | 2,221 |
| Return on assets (ROA) | 0.9945% | 2,298 |
| Pretax return on assets | 1.3357% | 1,993 |
| Return on Equity (ROE) | 5.7767% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.7767% | 2,457 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5351% | 5,947 |
| Assets per employee ($millions) | 3.8674% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4284% | 7,581 |
| Loan loss allowance to noncurrent loans | 9.0843% | 7,274 |
| Noncurrent assets plus other real estate owned to assets | 3.9532% | 1,754 |
| Noncurrent loans to loans | 4.7154% | 1,506 |
| Net loans and leases to total assets | 83.4775% | 397 |
| Net loans and leases to deposits | 102.2523% | 583 |
| Net loans and leases to core deposits | 102.2523% | 1,805 |
| Total domestic deposits to total assets | 81.6388% | 5,135 |
| Equity capital to assets | 17.3298% | 485 |
| Core capital (leverage) ratio | 17.3293% | 413 |
| Tier 1 risk-based capital ratio | 31.0704% | 453 |
| Total risk-based capital ratio | 31.7142% | 478 |
| Memoranda: | ||
| Average total assets | $34,589,330 | 7,191 |
| Average earning assets | $32,603,000 | 7,132 |
| Average equity | $5,955,000 | 6,482 |
| Average total loans | $28,731,000 | 6,594 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2836% | 3,625 |
| Cost of funding earning assets | 1.5751% | 3,103 |
| Net interest margin | 3.7084% | 4,200 |
| Noninterest income to average assets | 0.0348% | 7,537 |
| Noninterest expense to average assets | 2.0997% | 6,942 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0905% | 1,860 |
| Return on assets (ROA) | 1.0905% | 1,942 |
| Pretax return on assets | 1.4037% | 1,769 |
| Return on Equity (ROE) | 6.3551% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.3551% | 2,441 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9338% | 6,185 |
| Assets per employee ($millions) | 3.8473% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4199% | 7,676 |
| Loan loss allowance to noncurrent loans | 11.2150% | 7,308 |
| Noncurrent assets plus other real estate owned to assets | 3.0902% | 2,314 |
| Noncurrent loans to loans | 3.7445% | 2,122 |
| Net loans and leases to total assets | 82.1781% | 575 |
| Net loans and leases to deposits | 100.4483% | 727 |
| Net loans and leases to core deposits | 100.4483% | 2,083 |
| Total domestic deposits to total assets | 81.8114% | 5,153 |
| Equity capital to assets | 17.2183% | 507 |
| Core capital (leverage) ratio | 17.3033% | 427 |
| Tier 1 risk-based capital ratio | 30.9643% | 477 |
| Total risk-based capital ratio | 31.5919% | 496 |
| Memoranda: | ||
| Average total assets | $34,480,500 | 7,283 |
| Average earning assets | $32,251,000 | 7,238 |
| Average equity | $5,916,500 | 6,549 |
| Average total loans | $28,506,000 | 6,686 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4226% | 4,578 |
| Cost of funding earning assets | 2.0613% | 2,675 |
| Net interest margin | 3.3613% | 5,520 |
| Noninterest income to average assets | 0.1467% | 7,006 |
| Noninterest expense to average assets | 2.3752% | 6,534 |
| Loan and lease loss provision to assets | 0.0581% | 6,983 |
| Net operating income to assets | 0.5625% | 3,475 |
| Return on assets (ROA) | 0.5625% | 3,555 |
| Pretax return on assets | 0.8987% | 2,928 |
| Return on Equity (ROE) | 3.1771% | 4,425 |
| Retained earnings to average equity (ytd only) | 3.1771% | 2,937 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2844% | 4,390 |
| Assets per employee ($millions) | 3.8150% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4220% | 7,745 |
| Loan loss allowance to noncurrent loans | 8.6331% | 7,385 |
| Noncurrent assets plus other real estate owned to assets | 4.0483% | 1,629 |
| Noncurrent loans to loans | 4.8880% | 1,395 |
| Net loans and leases to total assets | 82.4727% | 616 |
| Net loans and leases to deposits | 100.6576% | 850 |
| Net loans and leases to core deposits | 130.9699% | 1,231 |
| Total domestic deposits to total assets | 81.9339% | 4,979 |
| Equity capital to assets | 17.0992% | 548 |
| Core capital (leverage) ratio | 17.1970% | 470 |
| Tier 1 risk-based capital ratio | 30.5736% | 492 |
| Total risk-based capital ratio | 31.2028% | 510 |
| Memoranda: | ||
| Average total assets | $32,712,800 | 7,374 |
| Average earning assets | $30,999,800 | 7,311 |
| Average equity | $5,791,400 | 6,678 |
| Average total loans | $26,852,600 | 6,812 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4148% | 4,877 |
| Cost of funding earning assets | 2.1772% | 2,517 |
| Net interest margin | 3.2376% | 5,887 |
| Noninterest income to average assets | 0.0867% | 7,461 |
| Noninterest expense to average assets | 2.1625% | 7,071 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7140% | 3,158 |
| Return on assets (ROA) | 0.7140% | 3,225 |
| Pretax return on assets | 1.0111% | 2,869 |
| Return on Equity (ROE) | 3.9965% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.9965% | 3,046 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1404% | 4,939 |
| Assets per employee ($millions) | 4.1389% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3675% | 7,850 |
| Loan loss allowance to noncurrent loans | 19.7652% | 7,106 |
| Noncurrent assets plus other real estate owned to assets | 2.1050% | 3,208 |
| Noncurrent loans to loans | 1.8595% | 3,827 |
| Net loans and leases to total assets | 82.6916% | 716 |
| Net loans and leases to deposits | 101.9587% | 923 |
| Net loans and leases to core deposits | 133.2230% | 1,254 |
| Total domestic deposits to total assets | 81.1030% | 5,039 |
| Equity capital to assets | 17.7101% | 540 |
| Core capital (leverage) ratio | 17.8062% | 466 |
| Tier 1 risk-based capital ratio | 31.7840% | 479 |
| Total risk-based capital ratio | 32.3350% | 500 |
| Memoranda: | ||
| Average total assets | $32,307,250 | 7,451 |
| Average earning assets | $30,803,750 | 7,382 |
| Average equity | $5,771,500 | 6,750 |
| Average total loans | $26,456,500 | 6,883 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5673% | 4,234 |
| Cost of funding earning assets | 2.3262% | 2,255 |
| Net interest margin | 3.2411% | 5,766 |
| Noninterest income to average assets | 0.0375% | 7,802 |
| Noninterest expense to average assets | 2.0787% | 7,320 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7553% | 3,018 |
| Return on assets (ROA) | 0.7553% | 3,128 |
| Pretax return on assets | 1.0550% | 2,795 |
| Return on Equity (ROE) | 4.2155% | 4,412 |
| Retained earnings to average equity (ytd only) | 4.2155% | 2,958 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3347% | 5,492 |
| Assets per employee ($millions) | 4.0866% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3785% | 7,922 |
| Loan loss allowance to noncurrent loans | 13.7790% | 7,406 |
| Noncurrent assets plus other real estate owned to assets | 2.2421% | 2,901 |
| Noncurrent loans to loans | 2.7471% | 2,621 |
| Net loans and leases to total assets | 81.3079% | 1,086 |
| Net loans and leases to deposits | 100.2981% | 1,257 |
| Net loans and leases to core deposits | 128.1802% | 1,700 |
| Total domestic deposits to total assets | 81.0663% | 5,061 |
| Equity capital to assets | 17.7347% | 577 |
| Core capital (leverage) ratio | 18.0167% | 513 |
| Tier 1 risk-based capital ratio | 32.6707% | 479 |
| Total risk-based capital ratio | 33.2443% | 490 |
| Memoranda: | ||
| Average total assets | $32,039,330 | 7,527 |
| Average earning assets | $30,607,330 | 7,452 |
| Average equity | $5,740,670 | 6,817 |
| Average total loans | $26,115,000 | 6,959 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7225% | 3,686 |
| Cost of funding earning assets | 2.4714% | 2,022 |
| Net interest margin | 3.2511% | 5,687 |
| Noninterest income to average assets | 0.0631% | 7,748 |
| Noninterest expense to average assets | 2.0181% | 7,314 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8451% | 2,929 |
| Return on assets (ROA) | 0.8451% | 3,078 |
| Pretax return on assets | 1.1478% | 2,808 |
| Return on Equity (ROE) | 4.6919% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.6919% | 3,308 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7450% | 5,735 |
| Assets per employee ($millions) | 3.9301% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3850% | 7,963 |
| Loan loss allowance to noncurrent loans | 59.4118% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 5,856 |
| Noncurrent loans to loans | 0.6481% | 5,788 |
| Net loans and leases to total assets | 83.1080% | 831 |
| Net loans and leases to deposits | 103.0769% | 1,082 |
| Net loans and leases to core deposits | 129.5874% | 1,691 |
| Total domestic deposits to total assets | 80.6272% | 5,122 |
| Equity capital to assets | 18.2755% | 570 |
| Core capital (leverage) ratio | 18.0320% | 551 |
| Tier 1 risk-based capital ratio | 33.3997% | 480 |
| Total risk-based capital ratio | 33.9914% | 493 |
| Memoranda: | ||
| Average total assets | $31,712,500 | 7,581 |
| Average earning assets | $30,266,500 | 7,503 |
| Average equity | $5,712,000 | 6,874 |
| Average total loans | $25,831,000 | 7,008 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2567% | 4,208 |
| Cost of funding earning assets | 3.0516% | 1,683 |
| Net interest margin | 3.2052% | 6,351 |
| Noninterest income to average assets | 0.0391% | 7,938 |
| Noninterest expense to average assets | 2.1719% | 7,047 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5926% | 4,332 |
| Return on assets (ROA) | 0.5926% | 4,202 |
| Pretax return on assets | 0.9248% | 3,643 |
| Return on Equity (ROE) | 3.1476% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.1476% | 3,196 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1367% | 4,327 |
| Assets per employee ($millions) | 3.9980% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3972% | 7,979 |
| Loan loss allowance to noncurrent loans | 214.8936% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 6,985 |
| Noncurrent loans to loans | 0.1848% | 6,835 |
| Net loans and leases to total assets | 79.1958% | 1,838 |
| Net loans and leases to deposits | 97.7011% | 2,171 |
| Net loans and leases to core deposits | 125.1359% | 2,238 |
| Total domestic deposits to total assets | 81.0593% | 4,614 |
| Equity capital to assets | 17.7526% | 683 |
| Core capital (leverage) ratio | 17.6307% | 639 |
| Tier 1 risk-based capital ratio | 33.1724% | 505 |
| Total risk-based capital ratio | 33.7672% | 516 |
| Memoranda: | ||
| Average total assets | $30,710,600 | 7,612 |
| Average earning assets | $29,296,400 | 7,553 |
| Average equity | $5,782,200 | 6,884 |
| Average total loans | $24,071,200 | 7,072 |