Home > Keystone Bank, SSB > Performance and Condition Ratios
Keystone 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 | 5.9166% | 707 |
| Cost of funding earning assets | 2.6245% | 287 |
| Net interest margin | 3.2921% | 2,657 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.1220% | 3,351 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.8632% | 2,657 |
| Return on assets (ROA) | 0.8660% | 2,625 |
| Pretax return on assets | 1.1170% | 2,360 |
| Return on Equity (ROE) | 8.2300% | 2,963 |
| Retained earnings to average equity (ytd only) | 8.2347% | 1,470 |
| Net charge-offs to loans | 0.0056% | 2,495 |
| Credit loss provision to net charge-offs | 1,700.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 255.4054% | 488 |
| Efficiency ratio | 63.2880% | 2,693 |
| Assets per employee ($millions) | 10.6343% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 3,671 |
| Loan loss allowance to noncurrent loans | 394.4095% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 2,289 |
| Noncurrent loans to loans | 0.2312% | 2,389 |
| Net loans and leases to total assets | 80.1800% | 627 |
| Net loans and leases to deposits | 91.7739% | 1,115 |
| Net loans and leases to core deposits | 112.6669% | 859 |
| Total domestic deposits to total assets | 87.3700% | 1,568 |
| Equity capital to assets | 10.2599% | 1,866 |
| Core capital (leverage) ratio | 10.0822% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1839% | 2,173 |
| Memoranda: | ||
| Average total assets | $799,293,200 | 1,186 |
| Average earning assets | $776,337,000 | 1,138 |
| Average equity | $84,058,800 | 1,089 |
| Average total loans | $655,356,400 | 1,022 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7524% | 730 |
| Cost of funding earning assets | 2.4326% | 313 |
| Net interest margin | 3.3198% | 2,639 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 2.1056% | 3,342 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9284% | 2,591 |
| Return on assets (ROA) | 0.9200% | 2,605 |
| Pretax return on assets | 1.1773% | 2,350 |
| Return on Equity (ROE) | 8.6800% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.6849% | 1,771 |
| Net charge-offs to loans | 0.0043% | 2,328 |
| Credit loss provision to net charge-offs | 2,114.2857% | 230 |
| Earnings coverage of net charge-offs (x) | 347.7143% | 408 |
| Efficiency ratio | 62.0443% | 2,712 |
| Assets per employee ($millions) | 10.1512% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 3,671 |
| Loan loss allowance to noncurrent loans | 383.5530% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 2,299 |
| Noncurrent loans to loans | 0.2399% | 2,390 |
| Net loans and leases to total assets | 80.0000% | 646 |
| Net loans and leases to deposits | 90.8816% | 1,160 |
| Net loans and leases to core deposits | 112.8624% | 770 |
| Total domestic deposits to total assets | 88.0300% | 1,564 |
| Equity capital to assets | 10.3128% | 1,639 |
| Core capital (leverage) ratio | 10.4060% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8255% | 1,958 |
| Memoranda: | ||
| Average total assets | $786,509,250 | 1,201 |
| Average earning assets | $765,802,250 | 1,147 |
| Average equity | $83,314,500 | 1,095 |
| Average total loans | $647,084,750 | 1,028 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6455% | 693 |
| Cost of funding earning assets | 2.2120% | 328 |
| Net interest margin | 3.4335% | 2,436 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.0746% | 3,413 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.0152% | 2,381 |
| Return on assets (ROA) | 1.0152% | 2,372 |
| Pretax return on assets | 1.2964% | 2,091 |
| Return on Equity (ROE) | 9.5000% | 2,834 |
| Retained earnings to average equity (ytd only) | 9.4953% | 1,544 |
| Net charge-offs to loans | 0.0069% | 1,982 |
| Credit loss provision to net charge-offs | 1,940.9091% | 271 |
| Earnings coverage of net charge-offs (x) | 243.8182% | 517 |
| Efficiency ratio | 59.0492% | 3,071 |
| Assets per employee ($millions) | 10.4548% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 3,689 |
| Loan loss allowance to noncurrent loans | 466.0291% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 2,390 |
| Noncurrent loans to loans | 0.1992% | 2,470 |
| Net loans and leases to total assets | 82.9100% | 337 |
| Net loans and leases to deposits | 95.7503% | 744 |
| Net loans and leases to core deposits | 111.0536% | 780 |
| Total domestic deposits to total assets | 86.5900% | 2,061 |
| Equity capital to assets | 10.7400% | 1,495 |
| Core capital (leverage) ratio | 10.4840% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5210% | 2,085 |
| Memoranda: | ||
| Average total assets | $774,596,000 | 1,208 |
| Average earning assets | $754,692,333 | 1,160 |
| Average equity | $82,820,333 | 1,096 |
| Average total loans | $641,468,667 | 1,020 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5222% | 601 |
| Cost of funding earning assets | 1.8954% | 367 |
| Net interest margin | 3.6268% | 2,066 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.1402% | 3,280 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.0286% | 2,445 |
| Return on assets (ROA) | 1.0418% | 2,373 |
| Pretax return on assets | 1.3348% | 2,074 |
| Return on Equity (ROE) | 9.7700% | 2,857 |
| Retained earnings to average equity (ytd only) | 9.7657% | 1,752 |
| Net charge-offs to loans | 0.0296% | 1,113 |
| Credit loss provision to net charge-offs | 795.7447% | 418 |
| Earnings coverage of net charge-offs (x) | 61.5106% | 1,004 |
| Efficiency ratio | 57.8602% | 3,205 |
| Assets per employee ($millions) | 11.8293% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 3,795 |
| Loan loss allowance to noncurrent loans | 255.3715% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 1,655 |
| Noncurrent loans to loans | 0.3609% | 1,853 |
| Net loans and leases to total assets | 82.8100% | 305 |
| Net loans and leases to deposits | 94.4768% | 760 |
| Net loans and leases to core deposits | 112.2434% | 635 |
| Total domestic deposits to total assets | 87.6500% | 2,038 |
| Equity capital to assets | 10.5887% | 1,515 |
| Core capital (leverage) ratio | 10.3357% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3272% | 2,257 |
| Memoranda: | ||
| Average total assets | $769,839,500 | 1,226 |
| Average earning assets | $750,644,500 | 1,182 |
| Average equity | $82,124,000 | 1,116 |
| Average total loans | $634,092,000 | 1,036 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 841 |
| Cost of funding earning assets | 0.7957% | 391 |
| Net interest margin | 3.6249% | 1,574 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.1468% | 3,168 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 1.0772% | 2,273 |
| Return on assets (ROA) | 1.0729% | 2,226 |
| Pretax return on assets | 1.3747% | 1,844 |
| Return on Equity (ROE) | 10.2700% | 2,727 |
| Retained earnings to average equity (ytd only) | 10.2728% | 1,074 |
| Net charge-offs to loans | -0.0045% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.9175% | 3,695 |
| Assets per employee ($millions) | 11.1609% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 3,959 |
| Loan loss allowance to noncurrent loans | 233.5007% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 1,698 |
| Noncurrent loans to loans | 0.3559% | 1,869 |
| Net loans and leases to total assets | 80.4500% | 543 |
| Net loans and leases to deposits | 93.1849% | 834 |
| Net loans and leases to core deposits | 102.8250% | 858 |
| Total domestic deposits to total assets | 86.3300% | 2,633 |
| Equity capital to assets | 10.7489% | 1,356 |
| Core capital (leverage) ratio | 10.3581% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7444% | 2,074 |
| Memoranda: | ||
| Average total assets | $659,625,000 | 1,362 |
| Average earning assets | $642,051,200 | 1,314 |
| Average equity | $68,890,600 | 1,271 |
| Average total loans | $507,781,600 | 1,165 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 1,099 |
| Cost of funding earning assets | 0.6123% | 409 |
| Net interest margin | 3.4675% | 1,756 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.1651% | 3,025 |
| Loan and lease loss provision to assets | 0.3100% | 225 |
| Net operating income to assets | 0.8897% | 2,909 |
| Return on assets (ROA) | 0.8897% | 2,886 |
| Pretax return on assets | 1.1445% | 2,577 |
| Return on Equity (ROE) | 8.5900% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.5940% | 1,787 |
| Net charge-offs to loans | -0.0050% | 3,479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.7580% | 3,294 |
| Assets per employee ($millions) | 12.0460% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8046% | 4,086 |
| Loan loss allowance to noncurrent loans | 13,669.6970% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,971 |
| Noncurrent loans to loans | 0.0059% | 3,914 |
| Net loans and leases to total assets | 73.2800% | 1,157 |
| Net loans and leases to deposits | 82.2781% | 1,423 |
| Net loans and leases to core deposits | 90.6710% | 1,259 |
| Total domestic deposits to total assets | 89.0700% | 2,062 |
| Equity capital to assets | 10.3647% | 1,437 |
| Core capital (leverage) ratio | 10.5577% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5594% | 1,856 |
| Memoranda: | ||
| Average total assets | $634,795,500 | 1,423 |
| Average earning assets | $617,566,500 | 1,364 |
| Average equity | $65,718,750 | 1,321 |
| Average total loans | $480,812,500 | 1,208 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 1,352 |
| Cost of funding earning assets | 0.4530% | 681 |
| Net interest margin | 3.3295% | 1,819 |
| Noninterest income to average assets | 0.3225% | 3,242 |
| Noninterest expense to average assets | 2.1704% | 2,942 |
| Loan and lease loss provision to assets | 0.3448% | 178 |
| Net operating income to assets | 0.8129% | 2,909 |
| Return on assets (ROA) | 0.8129% | 2,879 |
| Pretax return on assets | 1.0424% | 2,596 |
| Return on Equity (ROE) | 7.8560% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.8560% | 1,672 |
| Net charge-offs to loans | -0.0022% | 3,150 |
| Credit loss provision to net charge-offs | -20,460.0000% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8427% | 3,319 |
| Assets per employee ($millions) | 11.6349% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 4,255 |
| Loan loss allowance to noncurrent loans | 2,545.9119% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,769 |
| Noncurrent loans to loans | 0.0296% | 3,732 |
| Net loans and leases to total assets | 77.5774% | 586 |
| Net loans and leases to deposits | 85.8113% | 988 |
| Net loans and leases to core deposits | 93.2039% | 959 |
| Total domestic deposits to total assets | 90.4047% | 1,511 |
| Equity capital to assets | 9.2022% | 2,229 |
| Core capital (leverage) ratio | 9.4150% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5093% | 2,671 |
| Memoranda: | ||
| Average total assets | $593,427,333 | 1,510 |
| Average earning assets | $576,610,000 | 1,453 |
| Average equity | $61,405,667 | 1,415 |
| Average total loans | $454,197,000 | 1,256 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4974% | 1,819 |
| Cost of funding earning assets | 0.3799% | 990 |
| Net interest margin | 3.1176% | 2,117 |
| Noninterest income to average assets | 0.4739% | 2,284 |
| Noninterest expense to average assets | 2.1561% | 2,955 |
| Loan and lease loss provision to assets | 0.2494% | 260 |
| Net operating income to assets | 0.8550% | 2,472 |
| Return on assets (ROA) | 0.8550% | 2,464 |
| Pretax return on assets | 1.0934% | 2,161 |
| Return on Equity (ROE) | 7.7259% | 2,789 |
| Retained earnings to average equity (ytd only) | 7.7259% | 1,664 |
| Net charge-offs to loans | 0.0019% | 1,760 |
| Credit loss provision to net charge-offs | 17,050.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 918.0000% | 98 |
| Efficiency ratio | 60.3261% | 3,450 |
| Assets per employee ($millions) | 10.8909% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 4,347 |
| Loan loss allowance to noncurrent loans | 7,634.0909% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,009 |
| Noncurrent loans to loans | 0.0095% | 3,952 |
| Net loans and leases to total assets | 76.5510% | 469 |
| Net loans and leases to deposits | 91.3672% | 459 |
| Net loans and leases to core deposits | 101.4747% | 455 |
| Total domestic deposits to total assets | 83.7839% | 3,806 |
| Equity capital to assets | 10.0457% | 1,858 |
| Core capital (leverage) ratio | 10.6226% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8547% | 2,280 |
| Memoranda: | ||
| Average total assets | $546,911,500 | 1,644 |
| Average earning assets | $530,672,500 | 1,586 |
| Average equity | $60,524,000 | 1,472 |
| Average total loans | $413,003,000 | 1,337 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9257% | 1,551 |
| Cost of funding earning assets | 0.4519% | 1,186 |
| Net interest margin | 3.4737% | 1,812 |
| Noninterest income to average assets | 0.3350% | 3,412 |
| Noninterest expense to average assets | 2.6431% | 1,768 |
| Loan and lease loss provision to assets | 0.2935% | 282 |
| Net operating income to assets | 0.5806% | 3,920 |
| Return on assets (ROA) | 0.5806% | 3,959 |
| Pretax return on assets | 0.7506% | 3,837 |
| Return on Equity (ROE) | 4.7637% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.7637% | 2,886 |
| Net charge-offs to loans | -0.0007% | 3,245 |
| Credit loss provision to net charge-offs | -62,250.0000% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1106% | 1,716 |
| Assets per employee ($millions) | 9.1634% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 4,214 |
| Loan loss allowance to noncurrent loans | 6,711.1111% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 4,060 |
| Noncurrent loans to loans | 0.0124% | 4,003 |
| Net loans and leases to total assets | 72.9729% | 754 |
| Net loans and leases to deposits | 83.4890% | 949 |
| Net loans and leases to core deposits | 94.1947% | 770 |
| Total domestic deposits to total assets | 87.4041% | 2,334 |
| Equity capital to assets | 12.3022% | 1,126 |
| Core capital (leverage) ratio | 11.2692% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4345% | 1,700 |
| Memoranda: | ||
| Average total assets | $424,206,000 | 1,916 |
| Average earning assets | $409,358,000 | 1,871 |
| Average equity | $51,704,000 | 1,713 |
| Average total loans | $304,128,200 | 1,692 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 1,425 |
| Cost of funding earning assets | 0.4692% | 1,220 |
| Net interest margin | 3.5807% | 1,645 |
| Noninterest income to average assets | 0.3401% | 3,409 |
| Noninterest expense to average assets | 2.6089% | 1,813 |
| Loan and lease loss provision to assets | 0.2447% | 381 |
| Net operating income to assets | 0.7258% | 3,705 |
| Return on assets (ROA) | 0.7258% | 3,768 |
| Pretax return on assets | 0.9376% | 3,612 |
| Return on Equity (ROE) | 5.9715% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.9715% | 2,834 |
| Net charge-offs to loans | -0.0023% | 3,246 |
| Credit loss provision to net charge-offs | -14,920.0000% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2232% | 1,935 |
| Assets per employee ($millions) | 8.0476% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8485% | 4,280 |
| Loan loss allowance to noncurrent loans | 5,048.0000% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,153 |
| Noncurrent loans to loans | 0.0168% | 4,080 |
| Net loans and leases to total assets | 65.4487% | 1,602 |
| Net loans and leases to deposits | 76.1257% | 1,656 |
| Net loans and leases to core deposits | 86.0984% | 1,286 |
| Total domestic deposits to total assets | 85.9745% | 2,755 |
| Equity capital to assets | 13.5679% | 830 |
| Core capital (leverage) ratio | 12.0359% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9327% | 976 |
| Memoranda: | ||
| Average total assets | $406,552,250 | 1,988 |
| Average earning assets | $391,826,500 | 1,949 |
| Average equity | $49,411,500 | 1,802 |
| Average total loans | $289,134,000 | 1,776 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 1,628 |
| Cost of funding earning assets | 0.4814% | 1,310 |
| Net interest margin | 3.4942% | 1,871 |
| Noninterest income to average assets | 0.3297% | 3,454 |
| Noninterest expense to average assets | 2.5505% | 1,996 |
| Loan and lease loss provision to assets | 0.2098% | 523 |
| Net operating income to assets | 0.7253% | 3,699 |
| Return on assets (ROA) | 0.7253% | 3,765 |
| Pretax return on assets | 0.9330% | 3,589 |
| Return on Equity (ROE) | 6.2462% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.2462% | 2,710 |
| Net charge-offs to loans | -0.0014% | 3,129 |
| Credit loss provision to net charge-offs | -20,550.0000% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3577% | 1,958 |
| Assets per employee ($millions) | 8.0147% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7315% | 4,482 |
| Loan loss allowance to noncurrent loans | 4,203.8462% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 4,016 |
| Noncurrent loans to loans | 0.0174% | 4,137 |
| Net loans and leases to total assets | 68.5440% | 1,378 |
| Net loans and leases to deposits | 79.6857% | 1,456 |
| Net loans and leases to core deposits | 90.0728% | 1,135 |
| Total domestic deposits to total assets | 86.0180% | 2,733 |
| Equity capital to assets | 13.7678% | 762 |
| Core capital (leverage) ratio | 12.8398% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6148% | 743 |
| Memoranda: | ||
| Average total assets | $391,847,667 | 2,028 |
| Average earning assets | $377,201,000 | 1,987 |
| Average equity | $45,500,000 | 1,913 |
| Average total loans | $286,352,333 | 1,799 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 1,798 |
| Cost of funding earning assets | 0.4866% | 1,476 |
| Net interest margin | 3.4274% | 2,033 |
| Noninterest income to average assets | 0.3479% | 3,356 |
| Noninterest expense to average assets | 2.3459% | 2,658 |
| Loan and lease loss provision to assets | 0.2219% | 519 |
| Net operating income to assets | 0.8638% | 3,226 |
| Return on assets (ROA) | 0.8638% | 3,311 |
| Pretax return on assets | 1.0728% | 3,185 |
| Return on Equity (ROE) | 8.3418% | 3,227 |
| Retained earnings to average equity (ytd only) | 8.3418% | 2,138 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6036% | 2,657 |
| Assets per employee ($millions) | 8.4179% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 4,616 |
| Loan loss allowance to noncurrent loans | 3,142.8571% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 4,085 |
| Noncurrent loans to loans | 0.0212% | 4,179 |
| Net loans and leases to total assets | 72.9000% | 910 |
| Net loans and leases to deposits | 86.4953% | 925 |
| Net loans and leases to core deposits | 94.8047% | 933 |
| Total domestic deposits to total assets | 84.2820% | 3,347 |
| Equity capital to assets | 9.5729% | 3,131 |
| Core capital (leverage) ratio | 9.2324% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7860% | 2,383 |
| Memoranda: | ||
| Average total assets | $371,375,500 | 2,100 |
| Average earning assets | $356,776,500 | 2,054 |
| Average equity | $38,457,000 | 2,146 |
| Average total loans | $280,109,000 | 1,835 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 1,929 |
| Cost of funding earning assets | 0.6644% | 1,901 |
| Net interest margin | 3.6145% | 2,091 |
| Noninterest income to average assets | 0.3269% | 3,501 |
| Noninterest expense to average assets | 3.0874% | 1,260 |
| Loan and lease loss provision to assets | 0.4062% | 762 |
| Net operating income to assets | 0.2705% | 4,479 |
| Return on assets (ROA) | 0.2788% | 4,532 |
| Pretax return on assets | 0.2781% | 4,574 |
| Return on Equity (ROE) | 2.2303% | 4,532 |
| Retained earnings to average equity (ytd only) | 2.2303% | 3,738 |
| Net charge-offs to loans | -0.0107% | 4,273 |
| Credit loss provision to net charge-offs | -5,331.8182% | 4,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7736% | 910 |
| Assets per employee ($millions) | 7.2062% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6728% | 4,629 |
| Loan loss allowance to noncurrent loans | 3,478.4314% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 4,127 |
| Noncurrent loans to loans | 0.0193% | 4,266 |
| Net loans and leases to total assets | 77.3284% | 666 |
| Net loans and leases to deposits | 95.9471% | 555 |
| Net loans and leases to core deposits | 105.8412% | 646 |
| Total domestic deposits to total assets | 80.5948% | 3,945 |
| Equity capital to assets | 11.2887% | 2,026 |
| Core capital (leverage) ratio | 9.7767% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9199% | 1,884 |
| Memoranda: | ||
| Average total assets | $288,750,400 | 2,348 |
| Average earning assets | $274,532,400 | 2,323 |
| Average equity | $36,093,000 | 2,171 |
| Average total loans | $204,964,400 | 2,195 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0906% | 2,699 |
| Cost of funding earning assets | 0.6949% | 2,051 |
| Net interest margin | 3.3957% | 2,937 |
| Noninterest income to average assets | 0.2915% | 3,740 |
| Noninterest expense to average assets | 3.0202% | 1,402 |
| Loan and lease loss provision to assets | 0.3732% | 988 |
| Net operating income to assets | 0.1733% | 4,629 |
| Return on assets (ROA) | 0.1848% | 4,655 |
| Pretax return on assets | 0.1313% | 4,703 |
| Return on Equity (ROE) | 1.4361% | 4,633 |
| Retained earnings to average equity (ytd only) | 1.4361% | 4,101 |
| Net charge-offs to loans | -0.0140% | 4,313 |
| Credit loss provision to net charge-offs | -3,865.0000% | 4,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4318% | 646 |
| Assets per employee ($millions) | 7.8744% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5103% | 4,802 |
| Loan loss allowance to noncurrent loans | 323.3491% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 3,642 |
| Noncurrent loans to loans | 0.1578% | 3,751 |
| Net loans and leases to total assets | 78.9439% | 716 |
| Net loans and leases to deposits | 100.3586% | 521 |
| Net loans and leases to core deposits | 110.9490% | 665 |
| Total domestic deposits to total assets | 78.6619% | 4,108 |
| Equity capital to assets | 11.1778% | 2,256 |
| Core capital (leverage) ratio | 9.9923% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7607% | 1,569 |
| Memoranda: | ||
| Average total assets | $276,265,000 | 2,398 |
| Average earning assets | $262,092,500 | 2,363 |
| Average equity | $35,557,750 | 2,187 |
| Average total loans | $190,285,750 | 2,316 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1371% | 2,946 |
| Cost of funding earning assets | 0.7475% | 2,137 |
| Net interest margin | 3.3896% | 3,135 |
| Noninterest income to average assets | 0.2662% | 3,880 |
| Noninterest expense to average assets | 3.0428% | 1,479 |
| Loan and lease loss provision to assets | 0.2975% | 1,448 |
| Net operating income to assets | 0.1636% | 4,619 |
| Return on assets (ROA) | 0.1824% | 4,638 |
| Pretax return on assets | 0.1503% | 4,680 |
| Return on Equity (ROE) | 1.3393% | 4,645 |
| Retained earnings to average equity (ytd only) | 1.3393% | 3,994 |
| Net charge-offs to loans | -0.0049% | 4,009 |
| Credit loss provision to net charge-offs | -9,500.0000% | 4,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8703% | 591 |
| Assets per employee ($millions) | 8.5641% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3964% | 4,908 |
| Loan loss allowance to noncurrent loans | 178.4787% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 3,733 |
| Noncurrent loans to loans | 0.2221% | 3,583 |
| Net loans and leases to total assets | 70.5605% | 1,943 |
| Net loans and leases to deposits | 97.1148% | 721 |
| Net loans and leases to core deposits | 106.5754% | 871 |
| Total domestic deposits to total assets | 72.6567% | 4,678 |
| Equity capital to assets | 11.0310% | 2,313 |
| Core capital (leverage) ratio | 11.0764% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1291% | 1,224 |
| Memoranda: | ||
| Average total assets | $255,486,333 | 2,509 |
| Average earning assets | $241,619,667 | 2,481 |
| Average equity | $34,794,333 | 2,216 |
| Average total loans | $164,155,667 | 2,531 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 1,519 |
| Cost of funding earning assets | 0.9706% | 1,562 |
| Net interest margin | 3.7938% | 2,002 |
| Noninterest income to average assets | 0.2718% | 3,907 |
| Noninterest expense to average assets | 3.4707% | 977 |
| Loan and lease loss provision to assets | 0.3284% | 942 |
| Net operating income to assets | 0.0830% | 4,675 |
| Return on assets (ROA) | 0.1283% | 4,628 |
| Pretax return on assets | 0.0736% | 4,682 |
| Return on Equity (ROE) | 0.8169% | 4,648 |
| Retained earnings to average equity (ytd only) | 0.8169% | 3,785 |
| Net charge-offs to loans | 0.0096% | 2,224 |
| Credit loss provision to net charge-offs | 5,800.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 783 |
| Efficiency ratio | 87.6726% | 599 |
| Assets per employee ($millions) | 6.0210% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5738% | 4,797 |
| Loan loss allowance to noncurrent loans | 282.6415% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 4,032 |
| Noncurrent loans to loans | 0.2030% | 3,756 |
| Net loans and leases to total assets | 58.2569% | 3,652 |
| Net loans and leases to deposits | 70.1871% | 3,578 |
| Net loans and leases to core deposits | 82.4124% | 2,988 |
| Total domestic deposits to total assets | 83.0023% | 3,111 |
| Equity capital to assets | 16.7248% | 476 |
| Core capital (leverage) ratio | 14.7186% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8565% | 763 |
| Memoranda: | ||
| Average total assets | $211,948,000 | 2,776 |
| Average earning assets | $198,642,500 | 2,752 |
| Average equity | $33,297,500 | 2,287 |
| Average total loans | $124,895,500 | 2,899 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4078% | 660 |
| Cost of funding earning assets | 0.7867% | 2,742 |
| Net interest margin | 4.6211% | 546 |
| Noninterest income to average assets | 0.3181% | 3,792 |
| Noninterest expense to average assets | 4.3556% | 349 |
| Loan and lease loss provision to assets | 0.4111% | 343 |
| Net operating income to assets | -0.0610% | 4,993 |
| Return on assets (ROA) | -0.0610% | 5,004 |
| Pretax return on assets | -0.1692% | 5,014 |
| Return on Equity (ROE) | -0.2940% | 5,003 |
| Retained earnings to average equity (ytd only) | -0.2940% | 4,741 |
| Net charge-offs to loans | 0.0085% | 3,373 |
| Credit loss provision to net charge-offs | 9,433.3333% | 47 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 1,038 |
| Efficiency ratio | 92.2433% | 284 |
| Assets per employee ($millions) | 5.9153% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4847% | 4,907 |
| Loan loss allowance to noncurrent loans | 312.4324% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 4,168 |
| Noncurrent loans to loans | 0.1551% | 3,907 |
| Net loans and leases to total assets | 59.0103% | 3,672 |
| Net loans and leases to deposits | 69.1933% | 3,729 |
| Net loans and leases to core deposits | 76.3846% | 3,550 |
| Total domestic deposits to total assets | 85.2833% | 2,386 |
| Equity capital to assets | 14.5864% | 907 |
| Core capital (leverage) ratio | 11.3899% | 2,193 |
| Tier 1 risk-based capital ratio | 16.8091% | 2,121 |
| Total risk-based capital ratio | 17.2647% | 2,346 |
| Memoranda: | ||
| Average total assets | $137,684,600 | 3,468 |
| Average earning assets | $127,501,400 | 3,465 |
| Average equity | $28,574,600 | 2,468 |
| Average total loans | $70,238,200 | 3,776 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4616% | 632 |
| Cost of funding earning assets | 0.6700% | 3,354 |
| Net interest margin | 4.7917% | 422 |
| Noninterest income to average assets | 0.3075% | 3,903 |
| Noninterest expense to average assets | 4.4740% | 307 |
| Loan and lease loss provision to assets | 0.4509% | 278 |
| Net operating income to assets | -0.1510% | 5,097 |
| Return on assets (ROA) | -0.1510% | 5,103 |
| Pretax return on assets | -0.1948% | 5,103 |
| Return on Equity (ROE) | -0.6482% | 5,088 |
| Retained earnings to average equity (ytd only) | -0.6482% | 4,823 |
| Net charge-offs to loans | 0.0115% | 2,952 |
| Credit loss provision to net charge-offs | 8,240.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 46.7751% | 1,246 |
| Efficiency ratio | 92.3646% | 262 |
| Assets per employee ($millions) | 5.2566% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4119% | 5,053 |
| Loan loss allowance to noncurrent loans | 869.3878% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 4,598 |
| Noncurrent loans to loans | 0.0474% | 4,433 |
| Net loans and leases to total assets | 57.6356% | 3,912 |
| Net loans and leases to deposits | 69.1394% | 3,829 |
| Net loans and leases to core deposits | 72.4225% | 3,920 |
| Total domestic deposits to total assets | 83.3614% | 3,040 |
| Equity capital to assets | 16.2950% | 589 |
| Core capital (leverage) ratio | 14.3001% | 906 |
| Tier 1 risk-based capital ratio | 18.2491% | 1,747 |
| Total risk-based capital ratio | 18.6166% | 1,941 |
| Memoranda: | ||
| Average total assets | $121,826,000 | 3,704 |
| Average earning assets | $112,442,500 | 3,707 |
| Average equity | $28,384,250 | 2,494 |
| Average total loans | $57,983,000 | 4,063 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 2,292 |
| Cost of funding earning assets | 0.5660% | 3,807 |
| Net interest margin | 4.1581% | 1,466 |
| Noninterest income to average assets | 0.3442% | 3,634 |
| Noninterest expense to average assets | 4.5674% | 290 |
| Loan and lease loss provision to assets | 0.4530% | 266 |
| Net operating income to assets | -0.6611% | 5,200 |
| Return on assets (ROA) | -0.6611% | 5,206 |
| Pretax return on assets | -0.8478% | 5,214 |
| Return on Equity (ROE) | -2.4167% | 5,175 |
| Retained earnings to average equity (ytd only) | -2.4167% | 4,941 |
| Net charge-offs to loans | 0.0093% | 2,802 |
| Credit loss provision to net charge-offs | 11,650.0000% | 23 |
| Earnings coverage of net charge-offs (x) | -101.5000% | 3,166 |
| Efficiency ratio | 107.8285% | 109 |
| Assets per employee ($millions) | 5.5301% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2949% | 5,174 |
| Loan loss allowance to noncurrent loans | 409.8361% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 4,564 |
| Noncurrent loans to loans | 0.0720% | 4,359 |
| Net loans and leases to total assets | 56.6137% | 4,036 |
| Net loans and leases to deposits | 70.4132% | 3,806 |
| Net loans and leases to core deposits | 75.4775% | 3,772 |
| Total domestic deposits to total assets | 80.4021% | 3,958 |
| Equity capital to assets | 19.3487% | 275 |
| Core capital (leverage) ratio | 19.6562% | 251 |
| Tier 1 risk-based capital ratio | 22.1651% | 1,034 |
| Total risk-based capital ratio | 22.4303% | 1,137 |
| Memoranda: | ||
| Average total assets | $102,860,330 | 4,018 |
| Average earning assets | $94,707,000 | 4,022 |
| Average equity | $28,138,000 | 2,502 |
| Average total loans | $42,832,670 | 4,424 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4835% | 5,058 |
| Cost of funding earning assets | 0.3732% | 4,595 |
| Net interest margin | 3.1103% | 4,576 |
| Noninterest income to average assets | 0.3617% | 3,433 |
| Noninterest expense to average assets | 4.4403% | 310 |
| Loan and lease loss provision to assets | 0.5324% | 196 |
| Net operating income to assets | -1.3411% | 5,303 |
| Return on assets (ROA) | -1.3411% | 5,298 |
| Pretax return on assets | -1.7229% | 5,304 |
| Return on Equity (ROE) | -3.8470% | 5,252 |
| Retained earnings to average equity (ytd only) | -3.8470% | 4,856 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.5116% | 61 |
| Assets per employee ($millions) | 3.3609% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4563% | 5,127 |
| Loan loss allowance to noncurrent loans | 154.3210% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 4,332 |
| Noncurrent loans to loans | 0.2957% | 3,511 |
| Net loans and leases to total assets | 32.4582% | 5,102 |
| Net loans and leases to deposits | 48.9667% | 4,852 |
| Net loans and leases to core deposits | 50.1130% | 4,884 |
| Total domestic deposits to total assets | 66.2862% | 5,208 |
| Equity capital to assets | 33.6555% | 61 |
| Core capital (leverage) ratio | 34.5267% | 56 |
| Tier 1 risk-based capital ratio | 71.4854% | 62 |
| Total risk-based capital ratio | 71.8193% | 64 |
| Memoranda: | ||
| Average total assets | $79,634,500 | 4,420 |
| Average earning assets | $73,948,000 | 4,418 |
| Average equity | $27,762,000 | 2,533 |
| Average total loans | $21,858,500 | 4,998 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0136% | 5,396 |
| Cost of funding earning assets | 0.0866% | 5,317 |
| Net interest margin | 0.9270% | 5,394 |
| Noninterest income to average assets | 0.1455% | 4,986 |
| Noninterest expense to average assets | 1.4900% | 5,230 |
| Loan and lease loss provision to assets | 0.0410% | 3,373 |
| Net operating income to assets | -0.4529% | 5,315 |
| Return on assets (ROA) | -0.4529% | 5,308 |
| Pretax return on assets | -0.5083% | 5,312 |
| Return on Equity (ROE) | -2.5828% | 5,282 |
| Retained earnings to average equity (ytd only) | -2.5828% | 5,157 |
| Net charge-offs to loans | 0.0061% | 3,485 |
| Credit loss provision to net charge-offs | 2,000.0000% | 220 |
| Earnings coverage of net charge-offs (x) | -228.0000% | 3,780 |
| Efficiency ratio | 137.8758% | 36 |
| Assets per employee ($millions) | 3.4211% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1164% | 5,340 |
| Loan loss allowance to noncurrent loans | 22.3529% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 4,264 |
| Noncurrent loans to loans | 0.5208% | 2,713 |
| Net loans and leases to total assets | 21.6584% | 5,295 |
| Net loans and leases to deposits | 33.9859% | 5,225 |
| Net loans and leases to core deposits | 34.9088% | 5,235 |
| Total domestic deposits to total assets | 63.7277% | 5,283 |
| Equity capital to assets | 36.2218% | 56 |
| Core capital (leverage) ratio | 42.9568% | 43 |
| Tier 1 risk-based capital ratio | 93.7657% | 44 |
| Total risk-based capital ratio | 93.8351% | 45 |
| Memoranda: | ||
| Average total assets | $48,791,800 | 4,956 |
| Average earning assets | $46,172,400 | 4,933 |
| Average equity | $8,556,600 | 4,521 |
| Average total loans | $16,391,200 | 5,164 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 4,082 |
| Cost of funding earning assets | 0.1497% | 5,219 |
| Net interest margin | 3.7987% | 2,656 |
| Noninterest income to average assets | 0.7998% | 1,476 |
| Noninterest expense to average assets | 3.1804% | 1,569 |
| Loan and lease loss provision to assets | 0.2023% | 855 |
| Net operating income to assets | 1.0275% | 2,975 |
| Return on assets (ROA) | -1.5270% | 5,432 |
| Pretax return on assets | -1.5270% | 5,429 |
| Return on Equity (ROE) | -16.5964% | 5,450 |
| Retained earnings to average equity (ytd only) | -16.5964% | 5,432 |
| Net charge-offs to loans | 0.4875% | 325 |
| Credit loss provision to net charge-offs | 106.6667% | 2,165 |
| Earnings coverage of net charge-offs (x) | 6.4831% | 2,881 |
| Efficiency ratio | 72.1147% | 1,864 |
| Assets per employee ($millions) | 2.9560% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 908 |
| Loan loss allowance to noncurrent loans | 272.8155% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 3,716 |
| Noncurrent loans to loans | 0.6158% | 2,546 |
| Net loans and leases to total assets | 39.7376% | 5,033 |
| Net loans and leases to deposits | 43.9224% | 5,113 |
| Net loans and leases to core deposits | 44.2391% | 5,162 |
| Total domestic deposits to total assets | 90.4722% | 355 |
| Equity capital to assets | 9.3128% | 4,260 |
| Core capital (leverage) ratio | 9.2296% | 4,482 |
| Tier 1 risk-based capital ratio | 18.9572% | 1,546 |
| Total risk-based capital ratio | 20.2066% | 1,518 |
| Memoranda: | ||
| Average total assets | $42,173,750 | 5,134 |
| Average earning assets | $40,083,000 | 5,108 |
| Average equity | $3,880,250 | 5,263 |
| Average total loans | $16,409,000 | 5,226 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 3,725 |
| Cost of funding earning assets | 0.1441% | 5,268 |
| Net interest margin | 3.8759% | 2,284 |
| Noninterest income to average assets | 0.7965% | 1,485 |
| Noninterest expense to average assets | 2.9126% | 2,320 |
| Loan and lease loss provision to assets | 0.1178% | 1,678 |
| Net operating income to assets | 1.4421% | 1,303 |
| Return on assets (ROA) | -2.3659% | 5,509 |
| Pretax return on assets | -2.3659% | 5,509 |
| Return on Equity (ROE) | -25.8164% | 5,516 |
| Retained earnings to average equity (ytd only) | -25.8164% | 5,504 |
| Net charge-offs to loans | 0.3067% | 521 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 13.2400% | 2,158 |
| Efficiency ratio | 65.1212% | 3,139 |
| Assets per employee ($millions) | 3.0477% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 939 |
| Loan loss allowance to noncurrent loans | 163.3136% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 3,159 |
| Noncurrent loans to loans | 1.0281% | 1,713 |
| Net loans and leases to total assets | 37.8785% | 5,128 |
| Net loans and leases to deposits | 41.7052% | 5,202 |
| Net loans and leases to core deposits | 41.9945% | 5,243 |
| Total domestic deposits to total assets | 90.8245% | 296 |
| Equity capital to assets | 8.9903% | 4,568 |
| Core capital (leverage) ratio | 9.0679% | 4,626 |
| Tier 1 risk-based capital ratio | 18.7781% | 1,608 |
| Total risk-based capital ratio | 20.0264% | 1,562 |
| Memoranda: | ||
| Average total assets | $42,437,000 | 5,189 |
| Average earning assets | $40,248,670 | 5,164 |
| Average equity | $3,889,000 | 5,319 |
| Average total loans | $16,303,330 | 5,288 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8257% | 4,144 |
| Cost of funding earning assets | 0.1391% | 5,317 |
| Net interest margin | 3.6866% | 2,856 |
| Noninterest income to average assets | 0.8034% | 1,443 |
| Noninterest expense to average assets | 2.9961% | 2,072 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3138% | 1,596 |
| Return on assets (ROA) | 1.3138% | 1,603 |
| Pretax return on assets | 1.3138% | 2,311 |
| Return on Equity (ROE) | 14.2000% | 966 |
| Retained earnings to average equity (ytd only) | 14.2000% | 393 |
| Net charge-offs to loans | -0.0246% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5175% | 2,570 |
| Assets per employee ($millions) | 3.0299% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7019% | 943 |
| Loan loss allowance to noncurrent loans | 85.8025% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 2,043 |
| Noncurrent loans to loans | 1.9835% | 809 |
| Net loans and leases to total assets | 37.8533% | 5,143 |
| Net loans and leases to deposits | 41.7108% | 5,228 |
| Net loans and leases to core deposits | 42.0021% | 5,265 |
| Total domestic deposits to total assets | 90.7518% | 398 |
| Equity capital to assets | 9.0785% | 4,480 |
| Core capital (leverage) ratio | 10.5615% | 2,880 |
| Tier 1 risk-based capital ratio | 21.9353% | 1,059 |
| Total risk-based capital ratio | 23.1847% | 1,036 |
| Memoranda: | ||
| Average total assets | $42,321,500 | 5,247 |
| Average earning assets | $40,254,000 | 5,219 |
| Average equity | $3,915,500 | 5,370 |
| Average total loans | $16,236,000 | 5,346 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 4,412 |
| Cost of funding earning assets | 0.1372% | 5,325 |
| Net interest margin | 3.5322% | 3,417 |
| Noninterest income to average assets | 0.8177% | 1,507 |
| Noninterest expense to average assets | 3.2246% | 1,552 |
| Loan and lease loss provision to assets | 0.0278% | 3,721 |
| Net operating income to assets | 0.9058% | 2,681 |
| Return on assets (ROA) | 0.9058% | 2,703 |
| Pretax return on assets | 0.9058% | 3,904 |
| Return on Equity (ROE) | 9.3300% | 2,170 |
| Retained earnings to average equity (ytd only) | 0.1432% | 4,956 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5487% | 1,419 |
| Assets per employee ($millions) | 3.0160% | 5,187 |
| Cash dividends to net income (ytd only)* | 98.4655% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 914 |
| Loan loss allowance to noncurrent loans | 70.4835% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 1,662 |
| Noncurrent loans to loans | 2.4354% | 565 |
| Net loans and leases to total assets | 37.5616% | 5,242 |
| Net loans and leases to deposits | 41.9555% | 5,297 |
| Net loans and leases to core deposits | 42.2539% | 5,339 |
| Total domestic deposits to total assets | 89.5273% | 760 |
| Equity capital to assets | 9.4259% | 4,295 |
| Core capital (leverage) ratio | 10.0314% | 3,417 |
| Tier 1 risk-based capital ratio | 21.5531% | 1,065 |
| Total risk-based capital ratio | 22.8002% | 1,047 |
| Memoranda: | ||
| Average total assets | $43,168,200 | 5,285 |
| Average earning assets | $40,824,600 | 5,259 |
| Average equity | $4,190,800 | 5,394 |
| Average total loans | $16,375,800 | 5,413 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6329% | 4,484 |
| Cost of funding earning assets | 0.1398% | 5,373 |
| Net interest margin | 3.4930% | 3,528 |
| Noninterest income to average assets | 0.8448% | 1,437 |
| Noninterest expense to average assets | 3.1978% | 1,561 |
| Loan and lease loss provision to assets | 0.0369% | 3,375 |
| Net operating income to assets | 0.9093% | 2,982 |
| Return on assets (ROA) | 0.9093% | 3,045 |
| Pretax return on assets | 0.9093% | 4,014 |
| Return on Equity (ROE) | 9.3003% | 2,444 |
| Retained earnings to average equity (ytd only) | 9.3003% | 760 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1683% | 1,438 |
| Assets per employee ($millions) | 2.8674% | 5,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 1,219 |
| Loan loss allowance to noncurrent loans | 65.8711% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.0509% | 1,607 |
| Noncurrent loans to loans | 2.4420% | 634 |
| Net loans and leases to total assets | 39.2504% | 5,222 |
| Net loans and leases to deposits | 43.8972% | 5,316 |
| Net loans and leases to core deposits | 44.4989% | 5,355 |
| Total domestic deposits to total assets | 89.4143% | 693 |
| Equity capital to assets | 10.3392% | 3,545 |
| Core capital (leverage) ratio | 10.7066% | 2,758 |
| Tier 1 risk-based capital ratio | 21.2193% | 1,161 |
| Total risk-based capital ratio | 22.4662% | 1,145 |
| Memoranda: | ||
| Average total assets | $43,404,250 | 5,343 |
| Average earning assets | $40,995,000 | 5,308 |
| Average equity | $4,243,500 | 5,447 |
| Average total loans | $16,435,500 | 5,468 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6071% | 4,492 |
| Cost of funding earning assets | 0.1365% | 5,409 |
| Net interest margin | 3.4706% | 3,505 |
| Noninterest income to average assets | 0.8039% | 1,559 |
| Noninterest expense to average assets | 3.1193% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9555% | 2,631 |
| Return on assets (ROA) | 0.9555% | 2,690 |
| Pretax return on assets | 0.9555% | 3,743 |
| Return on Equity (ROE) | 9.9625% | 2,054 |
| Retained earnings to average equity (ytd only) | 9.9625% | 593 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5502% | 1,639 |
| Assets per employee ($millions) | 2.9019% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6697% | 1,115 |
| Loan loss allowance to noncurrent loans | 80.3030% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 0.8339% | 2,125 |
| Noncurrent loans to loans | 2.0793% | 797 |
| Net loans and leases to total assets | 35.8528% | 5,382 |
| Net loans and leases to deposits | 39.9703% | 5,455 |
| Net loans and leases to core deposits | 40.5088% | 5,484 |
| Total domestic deposits to total assets | 89.6986% | 645 |
| Equity capital to assets | 10.0533% | 3,848 |
| Core capital (leverage) ratio | 10.2918% | 3,155 |
| Tier 1 risk-based capital ratio | 22.2190% | 1,024 |
| Total risk-based capital ratio | 23.4669% | 1,004 |
| Memoranda: | ||
| Average total assets | $43,535,330 | 5,380 |
| Average earning assets | $41,030,330 | 5,347 |
| Average equity | $4,175,670 | 5,496 |
| Average total loans | $16,194,670 | 5,524 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6524% | 4,273 |
| Cost of funding earning assets | 0.1371% | 5,453 |
| Net interest margin | 3.5153% | 3,221 |
| Noninterest income to average assets | 0.7717% | 1,659 |
| Noninterest expense to average assets | 3.2063% | 1,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8636% | 2,930 |
| Return on assets (ROA) | 0.8636% | 2,977 |
| Pretax return on assets | 0.8636% | 3,886 |
| Return on Equity (ROE) | 9.2259% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.2259% | 1,009 |
| Net charge-offs to loans | -0.0734% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7810% | 1,520 |
| Assets per employee ($millions) | 2.9979% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 1,218 |
| Loan loss allowance to noncurrent loans | 90.8784% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.8317% | 2,221 |
| Noncurrent loans to loans | 1.8328% | 1,017 |
| Net loans and leases to total assets | 35.3162% | 5,431 |
| Net loans and leases to deposits | 38.9852% | 5,505 |
| Net loans and leases to core deposits | 39.4883% | 5,535 |
| Total domestic deposits to total assets | 90.5889% | 435 |
| Equity capital to assets | 9.2555% | 4,561 |
| Core capital (leverage) ratio | 10.2572% | 3,180 |
| Tier 1 risk-based capital ratio | 21.2696% | 1,180 |
| Total risk-based capital ratio | 22.5191% | 1,165 |
| Memoranda: | ||
| Average total assets | $43,539,000 | 5,432 |
| Average earning assets | $40,849,500 | 5,411 |
| Average equity | $4,075,500 | 5,571 |
| Average total loans | $16,356,500 | 5,580 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6584% | 4,342 |
| Cost of funding earning assets | 0.1551% | 5,384 |
| Net interest margin | 3.5033% | 3,418 |
| Noninterest income to average assets | 0.9346% | 1,308 |
| Noninterest expense to average assets | 3.6251% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6275% | 4,097 |
| Return on assets (ROA) | 0.6565% | 4,088 |
| Pretax return on assets | 0.6565% | 4,631 |
| Return on Equity (ROE) | 6.6966% | 3,644 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,302 |
| Net charge-offs to loans | 0.3790% | 713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 4.3385% | 3,511 |
| Efficiency ratio | 85.2433% | 882 |
| Assets per employee ($millions) | 2.6319% | 5,595 |
| Cash dividends to net income (ytd only)* | 100.0000% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 1,375 |
| Loan loss allowance to noncurrent loans | 82.5545% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 2,008 |
| Noncurrent loans to loans | 1.9381% | 946 |
| Net loans and leases to total assets | 38.7034% | 5,372 |
| Net loans and leases to deposits | 43.1198% | 5,460 |
| Net loans and leases to core deposits | 43.7190% | 5,493 |
| Total domestic deposits to total assets | 89.7578% | 746 |
| Equity capital to assets | 9.4728% | 4,297 |
| Core capital (leverage) ratio | 9.7810% | 3,768 |
| Tier 1 risk-based capital ratio | 21.0034% | 1,204 |
| Total risk-based capital ratio | 22.2492% | 1,187 |
| Memoranda: | ||
| Average total assets | $44,937,000 | 5,441 |
| Average earning assets | $42,560,000 | 5,412 |
| Average equity | $4,405,200 | 5,571 |
| Average total loans | $17,152,400 | 5,608 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6265% | 4,477 |
| Cost of funding earning assets | 0.1571% | 5,433 |
| Net interest margin | 3.4694% | 3,589 |
| Noninterest income to average assets | 0.9348% | 1,298 |
| Noninterest expense to average assets | 3.5199% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7040% | 3,822 |
| Return on assets (ROA) | 0.7040% | 3,957 |
| Pretax return on assets | 0.7040% | 4,599 |
| Return on Equity (ROE) | 7.1260% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.1260% | 1,559 |
| Net charge-offs to loans | 0.2081% | 1,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.9258% | 2,725 |
| Efficiency ratio | 83.3333% | 1,042 |
| Assets per employee ($millions) | 2.7094% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 1,078 |
| Loan loss allowance to noncurrent loans | 73.7864% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.0638% | 1,938 |
| Noncurrent loans to loans | 2.3908% | 758 |
| Net loans and leases to total assets | 36.7542% | 5,517 |
| Net loans and leases to deposits | 41.0729% | 5,608 |
| Net loans and leases to core deposits | 41.8548% | 5,635 |
| Total domestic deposits to total assets | 89.4855% | 676 |
| Equity capital to assets | 10.2627% | 3,842 |
| Core capital (leverage) ratio | 9.7350% | 3,893 |
| Tier 1 risk-based capital ratio | 21.1527% | 1,242 |
| Total risk-based capital ratio | 22.4016% | 1,218 |
| Memoranda: | ||
| Average total assets | $45,643,750 | 5,480 |
| Average earning assets | $43,272,500 | 5,447 |
| Average equity | $4,509,250 | 5,611 |
| Average total loans | $17,299,750 | 5,660 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 4,369 |
| Cost of funding earning assets | 0.1576% | 5,496 |
| Net interest margin | 3.5192% | 3,418 |
| Noninterest income to average assets | 0.9977% | 1,124 |
| Noninterest expense to average assets | 3.5644% | 1,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7691% | 3,449 |
| Return on assets (ROA) | 0.7691% | 3,596 |
| Pretax return on assets | 0.7691% | 4,396 |
| Return on Equity (ROE) | 7.8888% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.8888% | 1,205 |
| Net charge-offs to loans | 0.2771% | 866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 7.2917% | 2,637 |
| Efficiency ratio | 82.2515% | 1,241 |
| Assets per employee ($millions) | 2.4287% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8053% | 1,070 |
| Loan loss allowance to noncurrent loans | 77.8626% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.0489% | 2,030 |
| Noncurrent loans to loans | 2.3186% | 783 |
| Net loans and leases to total assets | 36.0689% | 5,604 |
| Net loans and leases to deposits | 40.1912% | 5,684 |
| Net loans and leases to core deposits | 40.9517% | 5,711 |
| Total domestic deposits to total assets | 89.7432% | 581 |
| Equity capital to assets | 9.9751% | 4,258 |
| Core capital (leverage) ratio | 9.8310% | 3,774 |
| Tier 1 risk-based capital ratio | 21.2584% | 1,232 |
| Total risk-based capital ratio | 22.5084% | 1,212 |
| Memoranda: | ||
| Average total assets | $45,505,000 | 5,550 |
| Average earning assets | $43,135,000 | 5,514 |
| Average equity | $4,436,670 | 5,690 |
| Average total loans | $17,322,000 | 5,725 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,076 |
| Cost of funding earning assets | 0.1585% | 5,548 |
| Net interest margin | 3.6075% | 3,056 |
| Noninterest income to average assets | 0.8675% | 1,390 |
| Noninterest expense to average assets | 3.5764% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7171% | 3,627 |
| Return on assets (ROA) | 0.7171% | 3,744 |
| Pretax return on assets | 0.7171% | 4,466 |
| Return on Equity (ROE) | 7.4423% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.4423% | 1,691 |
| Net charge-offs to loans | -0.1371% | 5,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2990% | 1,226 |
| Assets per employee ($millions) | 2.4176% | 5,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 984 |
| Loan loss allowance to noncurrent loans | 56.8297% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.2910% | 1,669 |
| Noncurrent loans to loans | 3.3260% | 435 |
| Net loans and leases to total assets | 38.0799% | 5,556 |
| Net loans and leases to deposits | 42.2614% | 5,645 |
| Net loans and leases to core deposits | 43.0604% | 5,685 |
| Total domestic deposits to total assets | 90.1056% | 557 |
| Equity capital to assets | 9.6941% | 4,454 |
| Core capital (leverage) ratio | 9.7299% | 3,870 |
| Tier 1 risk-based capital ratio | 20.1544% | 1,468 |
| Total risk-based capital ratio | 21.4057% | 1,447 |
| Memoranda: | ||
| Average total assets | $45,185,000 | 5,609 |
| Average earning assets | $42,910,500 | 5,574 |
| Average equity | $4,353,500 | 5,751 |
| Average total loans | $17,508,000 | 5,768 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5498% | 4,809 |
| Cost of funding earning assets | 0.1652% | 5,572 |
| Net interest margin | 3.3845% | 3,966 |
| Noninterest income to average assets | 0.8476% | 1,613 |
| Noninterest expense to average assets | 3.4232% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6384% | 4,096 |
| Return on assets (ROA) | 0.7605% | 3,616 |
| Pretax return on assets | 0.7605% | 4,336 |
| Return on Equity (ROE) | 7.7284% | 3,118 |
| Retained earnings to average equity (ytd only) | -0.0221% | 5,517 |
| Net charge-offs to loans | -0.0289% | 5,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2811% | 1,154 |
| Assets per employee ($millions) | 2.3387% | 5,956 |
| Cash dividends to net income (ytd only)* | 100.2865% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9259% | 913 |
| Loan loss allowance to noncurrent loans | 53.3011% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 1.3975% | 1,495 |
| Noncurrent loans to loans | 3.6132% | 368 |
| Net loans and leases to total assets | 37.9341% | 5,624 |
| Net loans and leases to deposits | 42.3784% | 5,699 |
| Net loans and leases to core deposits | 43.2116% | 5,733 |
| Total domestic deposits to total assets | 89.5128% | 848 |
| Equity capital to assets | 9.5735% | 4,471 |
| Core capital (leverage) ratio | 9.3017% | 4,470 |
| Tier 1 risk-based capital ratio | 20.4794% | 1,387 |
| Total risk-based capital ratio | 21.7321% | 1,363 |
| Memoranda: | ||
| Average total assets | $45,893,400 | 5,636 |
| Average earning assets | $43,580,400 | 5,594 |
| Average equity | $4,515,800 | 5,758 |
| Average total loans | $17,291,400 | 5,817 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4915% | 4,998 |
| Cost of funding earning assets | 0.1700% | 5,630 |
| Net interest margin | 3.3214% | 4,254 |
| Noninterest income to average assets | 0.8503% | 1,617 |
| Noninterest expense to average assets | 3.2830% | 1,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7206% | 3,815 |
| Return on assets (ROA) | 0.8560% | 3,233 |
| Pretax return on assets | 0.8560% | 4,152 |
| Return on Equity (ROE) | 8.6437% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.6437% | 1,021 |
| Net charge-offs to loans | -0.0385% | 5,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0014% | 1,396 |
| Assets per employee ($millions) | 2.4722% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8739% | 1,132 |
| Loan loss allowance to noncurrent loans | 51.6330% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 1.3689% | 1,687 |
| Noncurrent loans to loans | 3.6293% | 414 |
| Net loans and leases to total assets | 37.0122% | 5,749 |
| Net loans and leases to deposits | 41.2465% | 5,827 |
| Net loans and leases to core deposits | 42.5259% | 5,838 |
| Total domestic deposits to total assets | 89.7341% | 680 |
| Equity capital to assets | 9.9998% | 4,147 |
| Core capital (leverage) ratio | 9.9422% | 3,718 |
| Tier 1 risk-based capital ratio | 21.3217% | 1,291 |
| Total risk-based capital ratio | 22.5743% | 1,274 |
| Memoranda: | ||
| Average total assets | $46,258,000 | 5,701 |
| Average earning assets | $43,915,500 | 5,655 |
| Average equity | $4,581,250 | 5,823 |
| Average total loans | $17,317,500 | 5,888 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4666% | 5,073 |
| Cost of funding earning assets | 0.1694% | 5,697 |
| Net interest margin | 3.2972% | 4,311 |
| Noninterest income to average assets | 0.8127% | 1,723 |
| Noninterest expense to average assets | 3.3594% | 1,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5824% | 4,424 |
| Return on assets (ROA) | 0.7866% | 3,557 |
| Pretax return on assets | 0.7866% | 4,359 |
| Return on Equity (ROE) | 7.9689% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.9689% | 1,283 |
| Net charge-offs to loans | -0.0349% | 5,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2260% | 1,127 |
| Assets per employee ($millions) | 2.4306% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8684% | 1,229 |
| Loan loss allowance to noncurrent loans | 48.8166% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 1.4638% | 1,694 |
| Noncurrent loans to loans | 3.8274% | 424 |
| Net loans and leases to total assets | 37.5306% | 5,757 |
| Net loans and leases to deposits | 41.7367% | 5,849 |
| Net loans and leases to core deposits | 43.0502% | 5,864 |
| Total domestic deposits to total assets | 89.9223% | 692 |
| Equity capital to assets | 9.8742% | 4,183 |
| Core capital (leverage) ratio | 9.7882% | 3,877 |
| Tier 1 risk-based capital ratio | 20.9260% | 1,384 |
| Total risk-based capital ratio | 22.1774% | 1,349 |
| Memoranda: | ||
| Average total assets | $46,020,330 | 5,769 |
| Average earning assets | $43,674,000 | 5,720 |
| Average equity | $4,542,670 | 5,889 |
| Average total loans | $17,184,330 | 5,952 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5473% | 4,838 |
| Cost of funding earning assets | 0.1654% | 5,811 |
| Net interest margin | 3.3818% | 3,911 |
| Noninterest income to average assets | 0.8620% | 1,524 |
| Noninterest expense to average assets | 3.4828% | 1,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5834% | 4,349 |
| Return on assets (ROA) | 0.9229% | 2,762 |
| Pretax return on assets | 0.9229% | 3,804 |
| Return on Equity (ROE) | 9.3516% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.3516% | 1,083 |
| Net charge-offs to loans | -0.0708% | 5,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6531% | 1,212 |
| Assets per employee ($millions) | 2.4248% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 1,138 |
| Loan loss allowance to noncurrent loans | 47.9651% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 1.4933% | 1,761 |
| Noncurrent loans to loans | 4.1097% | 410 |
| Net loans and leases to total assets | 35.6211% | 5,844 |
| Net loans and leases to deposits | 39.6305% | 5,929 |
| Net loans and leases to core deposits | 40.8793% | 5,943 |
| Total domestic deposits to total assets | 89.8830% | 796 |
| Equity capital to assets | 9.9303% | 4,223 |
| Core capital (leverage) ratio | 9.5848% | 4,167 |
| Tier 1 risk-based capital ratio | 21.2779% | 1,373 |
| Total risk-based capital ratio | 22.5290% | 1,349 |
| Memoranda: | ||
| Average total assets | $45,940,000 | 5,820 |
| Average earning assets | $43,526,500 | 5,768 |
| Average equity | $4,534,000 | 5,943 |
| Average total loans | $16,945,500 | 6,019 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6831% | 4,841 |
| Cost of funding earning assets | 0.1753% | 5,937 |
| Net interest margin | 3.5078% | 3,762 |
| Noninterest income to average assets | 0.8492% | 1,684 |
| Noninterest expense to average assets | 3.4234% | 1,650 |
| Loan and lease loss provision to assets | 0.0443% | 3,683 |
| Net operating income to assets | 0.7095% | 3,840 |
| Return on assets (ROA) | 0.8492% | 3,219 |
| Pretax return on assets | 0.8492% | 4,081 |
| Return on Equity (ROE) | 8.5013% | 2,837 |
| Retained earnings to average equity (ytd only) | 0.0666% | 5,740 |
| Net charge-offs to loans | 0.0329% | 4,172 |
| Credit loss provision to net charge-offs | 333.3333% | 786 |
| Earnings coverage of net charge-offs (x) | 56.6667% | 832 |
| Efficiency ratio | 81.9533% | 1,666 |
| Assets per employee ($millions) | 2.4110% | 6,212 |
| Cash dividends to net income (ytd only)* | 99.2167% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9067% | 1,299 |
| Loan loss allowance to noncurrent loans | 43.6582% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 1.6350% | 1,651 |
| Noncurrent loans to loans | 4.3673% | 388 |
| Net loans and leases to total assets | 36.7242% | 5,913 |
| Net loans and leases to deposits | 41.1250% | 5,993 |
| Net loans and leases to core deposits | 42.4362% | 6,016 |
| Total domestic deposits to total assets | 89.2990% | 1,072 |
| Equity capital to assets | 9.8081% | 4,342 |
| Core capital (leverage) ratio | 9.3676% | 4,444 |
| Tier 1 risk-based capital ratio | 20.6501% | 1,479 |
| Total risk-based capital ratio | 21.9034% | 1,451 |
| Memoranda: | ||
| Average total assets | $45,101,200 | 5,905 |
| Average earning assets | $42,789,800 | 5,858 |
| Average equity | $4,505,200 | 5,986 |
| Average total loans | $18,220,800 | 6,036 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 4,815 |
| Cost of funding earning assets | 0.1750% | 6,035 |
| Net interest margin | 3.5399% | 3,674 |
| Noninterest income to average assets | 0.8310% | 1,774 |
| Noninterest expense to average assets | 3.4042% | 1,648 |
| Loan and lease loss provision to assets | 0.0594% | 3,177 |
| Net operating income to assets | 0.7301% | 3,788 |
| Return on assets (ROA) | 0.9171% | 2,933 |
| Pretax return on assets | 0.9171% | 3,917 |
| Return on Equity (ROE) | 9.1386% | 2,607 |
| Retained earnings to average equity (ytd only) | 9.1386% | 941 |
| Net charge-offs to loans | 0.0649% | 3,275 |
| Credit loss provision to net charge-offs | 222.2222% | 1,167 |
| Earnings coverage of net charge-offs (x) | 29.5550% | 1,383 |
| Efficiency ratio | 81.1748% | 1,731 |
| Assets per employee ($millions) | 2.3551% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8494% | 1,577 |
| Loan loss allowance to noncurrent loans | 40.1487% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 1.8035% | 1,647 |
| Noncurrent loans to loans | 4.6064% | 420 |
| Net loans and leases to total assets | 38.4272% | 5,917 |
| Net loans and leases to deposits | 43.1006% | 6,016 |
| Net loans and leases to core deposits | 43.6632% | 6,053 |
| Total domestic deposits to total assets | 89.1568% | 1,148 |
| Equity capital to assets | 10.4543% | 3,620 |
| Core capital (leverage) ratio | 10.2296% | 3,371 |
| Tier 1 risk-based capital ratio | 22.3486% | 1,212 |
| Total risk-based capital ratio | 23.6014% | 1,196 |
| Memoranda: | ||
| Average total assets | $44,924,250 | 5,977 |
| Average earning assets | $42,674,500 | 5,928 |
| Average equity | $4,508,250 | 6,050 |
| Average total loans | $18,488,500 | 6,086 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 4,909 |
| Cost of funding earning assets | 0.1777% | 6,086 |
| Net interest margin | 3.5074% | 3,757 |
| Noninterest income to average assets | 0.8136% | 1,790 |
| Noninterest expense to average assets | 3.4146% | 1,645 |
| Loan and lease loss provision to assets | 0.0222% | 3,836 |
| Net operating income to assets | 0.7114% | 3,775 |
| Return on assets (ROA) | 0.9470% | 2,663 |
| Pretax return on assets | 0.9470% | 3,692 |
| Return on Equity (ROE) | 9.5694% | 2,345 |
| Retained earnings to average equity (ytd only) | 9.5694% | 826 |
| Net charge-offs to loans | 0.0213% | 3,784 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 643 |
| Efficiency ratio | 82.3151% | 1,711 |
| Assets per employee ($millions) | 2.3363% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 2,060 |
| Loan loss allowance to noncurrent loans | 40.0763% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 1.6822% | 1,936 |
| Noncurrent loans to loans | 4.3021% | 524 |
| Net loans and leases to total assets | 38.4270% | 5,929 |
| Net loans and leases to deposits | 42.8449% | 6,040 |
| Net loans and leases to core deposits | 43.3759% | 6,095 |
| Total domestic deposits to total assets | 89.6886% | 978 |
| Equity capital to assets | 9.9711% | 4,146 |
| Core capital (leverage) ratio | 10.0817% | 3,498 |
| Tier 1 risk-based capital ratio | 21.0168% | 1,444 |
| Total risk-based capital ratio | 22.2705% | 1,420 |
| Memoranda: | ||
| Average total assets | $44,983,330 | 6,031 |
| Average earning assets | $42,767,330 | 5,981 |
| Average equity | $4,451,670 | 6,109 |
| Average total loans | $18,811,670 | 6,126 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 4,440 |
| Cost of funding earning assets | 0.1815% | 6,151 |
| Net interest margin | 3.6301% | 3,140 |
| Noninterest income to average assets | 0.8524% | 1,550 |
| Noninterest expense to average assets | 3.5273% | 1,437 |
| Loan and lease loss provision to assets | 0.0453% | 3,195 |
| Net operating income to assets | 0.7254% | 3,560 |
| Return on assets (ROA) | 0.7254% | 3,644 |
| Pretax return on assets | 0.7254% | 4,401 |
| Return on Equity (ROE) | 7.3597% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.3597% | 1,876 |
| Net charge-offs to loans | -0.0838% | 6,051 |
| Credit loss provision to net charge-offs | -125.0000% | 4,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0675% | 1,919 |
| Assets per employee ($millions) | 2.3557% | 6,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 2,296 |
| Loan loss allowance to noncurrent loans | 39.3382% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 1.8231% | 1,917 |
| Noncurrent loans to loans | 4.3641% | 580 |
| Net loans and leases to total assets | 41.0577% | 5,743 |
| Net loans and leases to deposits | 45.6617% | 5,873 |
| Net loans and leases to core deposits | 46.2512% | 5,976 |
| Total domestic deposits to total assets | 89.9171% | 1,115 |
| Equity capital to assets | 9.8170% | 4,079 |
| Core capital (leverage) ratio | 10.0747% | 3,463 |
| Tier 1 risk-based capital ratio | 20.5108% | 1,583 |
| Total risk-based capital ratio | 21.7622% | 1,554 |
| Memoranda: | ||
| Average total assets | $44,112,500 | 6,115 |
| Average earning assets | $41,872,500 | 6,061 |
| Average equity | $4,348,000 | 6,171 |
| Average total loans | $19,082,500 | 6,177 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6937% | 5,154 |
| Cost of funding earning assets | 0.2227% | 6,157 |
| Net interest margin | 3.4710% | 4,020 |
| Noninterest income to average assets | 1.0353% | 1,309 |
| Noninterest expense to average assets | 3.4353% | 1,804 |
| Loan and lease loss provision to assets | 0.1714% | 2,143 |
| Net operating income to assets | 0.7331% | 3,646 |
| Return on assets (ROA) | 0.7331% | 3,727 |
| Pretax return on assets | 0.7331% | 4,404 |
| Return on Equity (ROE) | 7.1700% | 3,478 |
| Retained earnings to average equity (ytd only) | 0.1103% | 5,804 |
| Net charge-offs to loans | 0.2017% | 2,859 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 10.5526% | 2,350 |
| Efficiency ratio | 79.1580% | 2,295 |
| Assets per employee ($millions) | 2.2877% | 6,527 |
| Cash dividends to net income (ytd only)* | 98.4615% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 2,750 |
| Loan loss allowance to noncurrent loans | 32.3316% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 2.3029% | 1,528 |
| Noncurrent loans to loans | 4.9571% | 515 |
| Net loans and leases to total assets | 44.0689% | 5,666 |
| Net loans and leases to deposits | 49.3864% | 5,806 |
| Net loans and leases to core deposits | 50.0470% | 5,933 |
| Total domestic deposits to total assets | 89.2330% | 1,465 |
| Equity capital to assets | 9.8974% | 3,904 |
| Core capital (leverage) ratio | 9.8985% | 3,706 |
| Tier 1 risk-based capital ratio | 19.7392% | 1,720 |
| Total risk-based capital ratio | 20.9929% | 1,688 |
| Memoranda: | ||
| Average total assets | $44,333,200 | 6,168 |
| Average earning assets | $42,206,800 | 6,101 |
| Average equity | $4,532,800 | 6,196 |
| Average total loans | $18,842,200 | 6,260 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 5,370 |
| Cost of funding earning assets | 0.2295% | 6,232 |
| Net interest margin | 3.3960% | 4,307 |
| Noninterest income to average assets | 1.0894% | 1,235 |
| Noninterest expense to average assets | 3.3340% | 1,993 |
| Loan and lease loss provision to assets | 0.2275% | 1,594 |
| Net operating income to assets | 0.7602% | 3,557 |
| Return on assets (ROA) | 0.7602% | 3,688 |
| Pretax return on assets | 0.7602% | 4,456 |
| Return on Equity (ROE) | 7.3774% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.3774% | 1,696 |
| Net charge-offs to loans | 0.2712% | 2,195 |
| Credit loss provision to net charge-offs | 200.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 8.6834% | 2,590 |
| Efficiency ratio | 77.1468% | 2,534 |
| Assets per employee ($millions) | 2.3455% | 6,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 2,998 |
| Loan loss allowance to noncurrent loans | 32.0988% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 2.2619% | 1,755 |
| Noncurrent loans to loans | 4.9872% | 601 |
| Net loans and leases to total assets | 43.0338% | 5,811 |
| Net loans and leases to deposits | 48.1025% | 5,958 |
| Net loans and leases to core deposits | 48.7295% | 6,083 |
| Total domestic deposits to total assets | 89.4626% | 1,323 |
| Equity capital to assets | 10.2031% | 3,641 |
| Core capital (leverage) ratio | 10.2429% | 3,338 |
| Tier 1 risk-based capital ratio | 20.6839% | 1,565 |
| Total risk-based capital ratio | 21.9351% | 1,538 |
| Memoranda: | ||
| Average total assets | $44,550,000 | 6,236 |
| Average earning assets | $42,402,000 | 6,168 |
| Average equity | $4,590,500 | 6,256 |
| Average total loans | $18,686,000 | 6,331 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6430% | 5,315 |
| Cost of funding earning assets | 0.2309% | 6,301 |
| Net interest margin | 3.4120% | 4,152 |
| Noninterest income to average assets | 1.1629% | 1,122 |
| Noninterest expense to average assets | 3.3270% | 1,999 |
| Loan and lease loss provision to assets | 0.2739% | 1,348 |
| Net operating income to assets | 0.8127% | 3,227 |
| Return on assets (ROA) | 0.8127% | 3,382 |
| Pretax return on assets | 0.8127% | 4,263 |
| Return on Equity (ROE) | 7.8610% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.8610% | 1,544 |
| Net charge-offs to loans | 0.4452% | 1,468 |
| Credit loss provision to net charge-offs | 148.7805% | 1,549 |
| Earnings coverage of net charge-offs (x) | 5.9024% | 2,809 |
| Efficiency ratio | 75.3815% | 2,883 |
| Assets per employee ($millions) | 2.4293% | 6,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 3,228 |
| Loan loss allowance to noncurrent loans | 43.2990% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 1.5491% | 2,784 |
| Noncurrent loans to loans | 3.6482% | 1,123 |
| Net loans and leases to total assets | 39.6871% | 6,067 |
| Net loans and leases to deposits | 44.1111% | 6,221 |
| Net loans and leases to core deposits | 44.9919% | 6,286 |
| Total domestic deposits to total assets | 89.9710% | 1,040 |
| Equity capital to assets | 9.8189% | 4,163 |
| Core capital (leverage) ratio | 9.8729% | 3,682 |
| Tier 1 risk-based capital ratio | 20.5810% | 1,593 |
| Total risk-based capital ratio | 21.8325% | 1,565 |
| Memoranda: | ||
| Average total assets | $44,545,000 | 6,272 |
| Average earning assets | $42,438,000 | 6,207 |
| Average equity | $4,605,000 | 6,296 |
| Average total loans | $18,418,000 | 6,380 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 4,783 |
| Cost of funding earning assets | 0.2408% | 6,343 |
| Net interest margin | 3.5730% | 3,373 |
| Noninterest income to average assets | 0.9145% | 1,713 |
| Noninterest expense to average assets | 3.3745% | 1,884 |
| Loan and lease loss provision to assets | 0.2286% | 1,605 |
| Net operating income to assets | 0.7042% | 3,664 |
| Return on assets (ROA) | 0.7042% | 3,805 |
| Pretax return on assets | 0.7042% | 4,559 |
| Return on Equity (ROE) | 6.6358% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.6358% | 2,351 |
| Net charge-offs to loans | -0.0437% | 6,077 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3439% | 2,558 |
| Assets per employee ($millions) | 2.3712% | 6,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 3,247 |
| Loan loss allowance to noncurrent loans | 103.7931% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 4,559 |
| Noncurrent loans to loans | 1.5781% | 3,164 |
| Net loans and leases to total assets | 40.1225% | 5,984 |
| Net loans and leases to deposits | 44.8503% | 6,133 |
| Net loans and leases to core deposits | 45.7725% | 6,222 |
| Total domestic deposits to total assets | 89.4588% | 1,382 |
| Equity capital to assets | 10.3791% | 3,696 |
| Core capital (leverage) ratio | 10.0580% | 3,310 |
| Tier 1 risk-based capital ratio | 20.5239% | 1,649 |
| Total risk-based capital ratio | 21.7778% | 1,619 |
| Memoranda: | ||
| Average total assets | $43,739,500 | 6,355 |
| Average earning assets | $41,533,500 | 6,297 |
| Average equity | $4,641,500 | 6,353 |
| Average total loans | $18,321,000 | 6,440 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 5,206 |
| Cost of funding earning assets | 0.3374% | 6,282 |
| Net interest margin | 3.6992% | 3,647 |
| Noninterest income to average assets | 0.9415% | 1,735 |
| Noninterest expense to average assets | 3.6838% | 1,445 |
| Loan and lease loss provision to assets | 0.0114% | 5,769 |
| Net operating income to assets | 0.7541% | 3,490 |
| Return on assets (ROA) | 0.8433% | 3,335 |
| Pretax return on assets | 0.8433% | 4,141 |
| Return on Equity (ROE) | 7.7652% | 3,199 |
| Retained earnings to average equity (ytd only) | -0.0210% | 5,848 |
| Net charge-offs to loans | 0.0157% | 5,692 |
| Credit loss provision to net charge-offs | 166.6667% | 1,592 |
| Earnings coverage of net charge-offs (x) | 111.6667% | 343 |
| Efficiency ratio | 82.7940% | 1,774 |
| Assets per employee ($millions) | 2.2330% | 6,810 |
| Cash dividends to net income (ytd only)* | 100.2710% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 3,748 |
| Loan loss allowance to noncurrent loans | 91.3333% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 4,487 |
| Noncurrent loans to loans | 1.6425% | 3,158 |
| Net loans and leases to total assets | 42.4046% | 5,958 |
| Net loans and leases to deposits | 48.1146% | 6,101 |
| Net loans and leases to core deposits | 49.1813% | 6,198 |
| Total domestic deposits to total assets | 88.1326% | 2,145 |
| Equity capital to assets | 10.8587% | 3,112 |
| Core capital (leverage) ratio | 9.9931% | 3,412 |
| Tier 1 risk-based capital ratio | 21.2970% | 1,400 |
| Total risk-based capital ratio | 22.5478% | 1,375 |
| Memoranda: | ||
| Average total assets | $43,759,200 | 6,379 |
| Average earning assets | $41,495,000 | 6,318 |
| Average equity | $4,752,000 | 6,367 |
| Average total loans | $19,160,000 | 6,457 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0622% | 5,318 |
| Cost of funding earning assets | 0.3534% | 6,358 |
| Net interest margin | 3.7089% | 3,761 |
| Noninterest income to average assets | 0.9404% | 1,706 |
| Noninterest expense to average assets | 3.5682% | 1,617 |
| Loan and lease loss provision to assets | 0.0151% | 5,621 |
| Net operating income to assets | 0.8800% | 3,079 |
| Return on assets (ROA) | 0.8951% | 3,235 |
| Pretax return on assets | 0.8951% | 4,124 |
| Return on Equity (ROE) | 8.2423% | 3,166 |
| Retained earnings to average equity (ytd only) | 8.2423% | 1,522 |
| Net charge-offs to loans | -0.0275% | 6,563 |
| Credit loss provision to net charge-offs | -125.0000% | 6,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9458% | 2,099 |
| Assets per employee ($millions) | 2.4001% | 6,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 3,856 |
| Loan loss allowance to noncurrent loans | 102.5547% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.7245% | 4,872 |
| Noncurrent loans to loans | 1.4840% | 3,565 |
| Net loans and leases to total assets | 42.0883% | 6,126 |
| Net loans and leases to deposits | 47.7733% | 6,274 |
| Net loans and leases to core deposits | 48.8147% | 6,361 |
| Total domestic deposits to total assets | 88.1001% | 1,987 |
| Equity capital to assets | 11.6175% | 2,628 |
| Core capital (leverage) ratio | 10.4224% | 3,006 |
| Tier 1 risk-based capital ratio | 22.2635% | 1,284 |
| Total risk-based capital ratio | 23.5167% | 1,267 |
| Memoranda: | ||
| Average total assets | $44,092,250 | 6,446 |
| Average earning assets | $41,880,500 | 6,382 |
| Average equity | $4,788,250 | 6,429 |
| Average total loans | $19,383,750 | 6,538 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 5,425 |
| Cost of funding earning assets | 0.3552% | 6,490 |
| Net interest margin | 3.7129% | 3,757 |
| Noninterest income to average assets | 0.9011% | 1,786 |
| Noninterest expense to average assets | 3.5730% | 1,636 |
| Loan and lease loss provision to assets | 0.0225% | 5,385 |
| Net operating income to assets | 0.8380% | 3,206 |
| Return on assets (ROA) | 0.8606% | 3,352 |
| Pretax return on assets | 0.8606% | 4,231 |
| Return on Equity (ROE) | 8.1081% | 3,207 |
| Retained earnings to average equity (ytd only) | 8.1081% | 1,598 |
| Net charge-offs to loans | 0.0203% | 5,124 |
| Credit loss provision to net charge-offs | 250.0000% | 1,149 |
| Earnings coverage of net charge-offs (x) | 95.5000% | 445 |
| Efficiency ratio | 80.5894% | 2,090 |
| Assets per employee ($millions) | 2.5094% | 6,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 4,406 |
| Loan loss allowance to noncurrent loans | 47.7431% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.3682% | 3,699 |
| Noncurrent loans to loans | 2.9625% | 2,013 |
| Net loans and leases to total assets | 42.4362% | 6,160 |
| Net loans and leases to deposits | 47.5621% | 6,339 |
| Net loans and leases to core deposits | 48.6621% | 6,421 |
| Total domestic deposits to total assets | 89.2227% | 1,373 |
| Equity capital to assets | 10.5825% | 3,585 |
| Core capital (leverage) ratio | 10.2094% | 3,133 |
| Tier 1 risk-based capital ratio | 21.0558% | 1,470 |
| Total risk-based capital ratio | 22.3056% | 1,445 |
| Memoranda: | ||
| Average total assets | $44,389,000 | 6,478 |
| Average earning assets | $42,231,330 | 6,406 |
| Average equity | $4,711,330 | 6,480 |
| Average total loans | $19,690,330 | 6,574 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1727% | 5,201 |
| Cost of funding earning assets | 0.3715% | 6,548 |
| Net interest margin | 3.8011% | 3,391 |
| Noninterest income to average assets | 0.9364% | 1,611 |
| Noninterest expense to average assets | 3.6092% | 1,542 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9546% | 2,664 |
| Return on assets (ROA) | 0.9546% | 2,876 |
| Pretax return on assets | 0.9546% | 3,849 |
| Return on Equity (ROE) | 8.9801% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.9801% | 1,604 |
| Net charge-offs to loans | 0.0202% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 331 |
| Efficiency ratio | 79.0837% | 2,336 |
| Assets per employee ($millions) | 2.3516% | 6,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 4,767 |
| Loan loss allowance to noncurrent loans | 45.5462% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 1.4324% | 3,714 |
| Noncurrent loans to loans | 2.9868% | 2,161 |
| Net loans and leases to total assets | 43.9784% | 6,013 |
| Net loans and leases to deposits | 49.3087% | 6,194 |
| Net loans and leases to core deposits | 50.4610% | 6,308 |
| Total domestic deposits to total assets | 89.1900% | 1,568 |
| Equity capital to assets | 10.6242% | 3,355 |
| Core capital (leverage) ratio | 10.0593% | 3,299 |
| Tier 1 risk-based capital ratio | 20.5314% | 1,580 |
| Total risk-based capital ratio | 21.7833% | 1,558 |
| Memoranda: | ||
| Average total assets | $43,999,000 | 6,536 |
| Average earning assets | $41,987,500 | 6,454 |
| Average equity | $4,677,000 | 6,521 |
| Average total loans | $19,814,000 | 6,621 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 5,184 |
| Cost of funding earning assets | 0.4517% | 6,728 |
| Net interest margin | 4.0178% | 2,797 |
| Noninterest income to average assets | 1.1027% | 1,094 |
| Noninterest expense to average assets | 4.0605% | 946 |
| Loan and lease loss provision to assets | 0.0497% | 5,964 |
| Net operating income to assets | 0.7922% | 3,073 |
| Return on assets (ROA) | 0.8245% | 3,099 |
| Pretax return on assets | 0.8245% | 3,893 |
| Return on Equity (ROE) | 7.0339% | 3,393 |
| Retained earnings to average equity (ytd only) | 0.0424% | 5,818 |
| Net charge-offs to loans | 0.0813% | 5,505 |
| Credit loss provision to net charge-offs | 125.0000% | 2,500 |
| Earnings coverage of net charge-offs (x) | 21.1875% | 1,104 |
| Efficiency ratio | 82.8267% | 1,913 |
| Assets per employee ($millions) | 2.1659% | 7,092 |
| Cash dividends to net income (ytd only)* | 99.3976% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 4,554 |
| Loan loss allowance to noncurrent loans | 47.3043% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 1.4382% | 3,829 |
| Noncurrent loans to loans | 2.9177% | 2,236 |
| Net loans and leases to total assets | 44.8669% | 6,129 |
| Net loans and leases to deposits | 50.6793% | 6,316 |
| Net loans and leases to core deposits | 51.9097% | 6,433 |
| Total domestic deposits to total assets | 88.5311% | 1,837 |
| Equity capital to assets | 10.6355% | 3,384 |
| Core capital (leverage) ratio | 9.9099% | 3,441 |
| Tier 1 risk-based capital ratio | 20.5289% | 1,517 |
| Total risk-based capital ratio | 21.7775% | 1,484 |
| Memoranda: | ||
| Average total assets | $40,266,000 | 6,663 |
| Average earning assets | $38,080,800 | 6,601 |
| Average equity | $4,720,000 | 6,526 |
| Average total loans | $19,683,000 | 6,671 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 5,017 |
| Cost of funding earning assets | 0.4658% | 6,832 |
| Net interest margin | 4.0992% | 2,482 |
| Noninterest income to average assets | 1.1206% | 1,056 |
| Noninterest expense to average assets | 4.1211% | 869 |
| Loan and lease loss provision to assets | 0.0675% | 5,610 |
| Net operating income to assets | 0.7932% | 3,196 |
| Return on assets (ROA) | 0.7932% | 3,360 |
| Pretax return on assets | 0.7932% | 4,159 |
| Return on Equity (ROE) | 6.5989% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.5989% | 2,199 |
| Net charge-offs to loans | 0.1626% | 4,484 |
| Credit loss provision to net charge-offs | 83.3333% | 4,023 |
| Earnings coverage of net charge-offs (x) | 10.6247% | 1,899 |
| Efficiency ratio | 82.7236% | 1,880 |
| Assets per employee ($millions) | 2.1063% | 7,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 4,863 |
| Loan loss allowance to noncurrent loans | 41.7722% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 1.6214% | 3,655 |
| Noncurrent loans to loans | 3.1873% | 2,182 |
| Net loans and leases to total assets | 46.4451% | 6,106 |
| Net loans and leases to deposits | 52.7344% | 6,314 |
| Net loans and leases to core deposits | 53.3092% | 6,495 |
| Total domestic deposits to total assets | 88.0736% | 2,001 |
| Equity capital to assets | 11.6629% | 2,531 |
| Core capital (leverage) ratio | 11.1563% | 2,278 |
| Tier 1 risk-based capital ratio | 21.8022% | 1,323 |
| Total risk-based capital ratio | 23.0512% | 1,292 |
| Memoranda: | ||
| Average total assets | $39,503,250 | 6,751 |
| Average earning assets | $37,209,750 | 6,695 |
| Average equity | $4,748,250 | 6,575 |
| Average total loans | $19,677,000 | 6,743 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 4,965 |
| Cost of funding earning assets | 0.4742% | 6,935 |
| Net interest margin | 4.1244% | 2,320 |
| Noninterest income to average assets | 1.0976% | 1,076 |
| Noninterest expense to average assets | 4.2144% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7559% | 3,260 |
| Return on assets (ROA) | 0.7559% | 3,393 |
| Pretax return on assets | 0.7559% | 4,192 |
| Return on Equity (ROE) | 6.2216% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.2216% | 2,281 |
| Net charge-offs to loans | 0.0204% | 5,556 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 466 |
| Efficiency ratio | 84.7917% | 1,727 |
| Assets per employee ($millions) | 1.9562% | 7,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 4,877 |
| Loan loss allowance to noncurrent loans | 39.1753% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 1.8735% | 3,402 |
| Noncurrent loans to loans | 3.4160% | 2,076 |
| Net loans and leases to total assets | 50.1252% | 5,803 |
| Net loans and leases to deposits | 57.3287% | 6,015 |
| Net loans and leases to core deposits | 57.3287% | 6,323 |
| Total domestic deposits to total assets | 87.4348% | 2,497 |
| Equity capital to assets | 12.2738% | 1,922 |
| Core capital (leverage) ratio | 11.4076% | 1,971 |
| Tier 1 risk-based capital ratio | 21.7887% | 1,288 |
| Total risk-based capital ratio | 23.0372% | 1,261 |
| Memoranda: | ||
| Average total assets | $38,629,330 | 6,836 |
| Average earning assets | $36,272,000 | 6,787 |
| Average equity | $4,693,330 | 6,630 |
| Average total loans | $19,626,330 | 6,813 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 3,592 |
| Cost of funding earning assets | 0.4878% | 7,012 |
| Net interest margin | 4.4126% | 1,251 |
| Noninterest income to average assets | 1.1568% | 972 |
| Noninterest expense to average assets | 4.2207% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0838% | 1,894 |
| Return on assets (ROA) | 1.0838% | 1,943 |
| Pretax return on assets | 1.0838% | 2,818 |
| Return on Equity (ROE) | 8.9674% | 2,485 |
| Retained earnings to average equity (ytd only) | 8.9674% | 1,389 |
| Net charge-offs to loans | 0.1436% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 14.8571% | 1,346 |
| Efficiency ratio | 79.5678% | 2,609 |
| Assets per employee ($millions) | 1.9561% | 7,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 4,731 |
| Loan loss allowance to noncurrent loans | 217.5000% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 6,084 |
| Noncurrent loans to loans | 0.6381% | 5,759 |
| Net loans and leases to total assets | 47.4068% | 6,148 |
| Net loans and leases to deposits | 53.9944% | 6,291 |
| Net loans and leases to core deposits | 53.9944% | 6,558 |
| Total domestic deposits to total assets | 87.7994% | 2,486 |
| Equity capital to assets | 12.0063% | 1,911 |
| Core capital (leverage) ratio | 11.4276% | 1,888 |
| Tier 1 risk-based capital ratio | 22.3124% | 1,174 |
| Total risk-based capital ratio | 23.5528% | 1,152 |
| Memoranda: | ||
| Average total assets | $38,382,000 | 6,892 |
| Average earning assets | $36,078,500 | 6,842 |
| Average equity | $4,639,000 | 6,671 |
| Average total loans | $19,501,000 | 6,869 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2045% | 3,582 |
| Cost of funding earning assets | 0.5926% | 7,144 |
| Net interest margin | 4.6119% | 988 |
| Noninterest income to average assets | 1.1844% | 1,060 |
| Noninterest expense to average assets | 4.1965% | 909 |
| Loan and lease loss provision to assets | 0.0525% | 6,632 |
| Net operating income to assets | 1.2684% | 1,253 |
| Return on assets (ROA) | 1.3708% | 1,079 |
| Pretax return on assets | 1.3708% | 1,737 |
| Return on Equity (ROE) | 10.9283% | 1,608 |
| Retained earnings to average equity (ytd only) | 0.0419% | 5,559 |
| Net charge-offs to loans | 0.0506% | 6,290 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 50.3000% | 464 |
| Efficiency ratio | 76.0590% | 3,046 |
| Assets per employee ($millions) | 1.8822% | 7,465 |
| Cash dividends to net income (ytd only)* | 99.6169% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 4,865 |
| Loan loss allowance to noncurrent loans | 372.2222% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 6,186 |
| Noncurrent loans to loans | 0.3565% | 6,346 |
| Net loans and leases to total assets | 52.9368% | 5,790 |
| Net loans and leases to deposits | 61.2893% | 5,923 |
| Net loans and leases to core deposits | 61.2893% | 6,294 |
| Total domestic deposits to total assets | 86.3720% | 3,151 |
| Equity capital to assets | 12.1696% | 1,815 |
| Core capital (leverage) ratio | 11.1197% | 2,071 |
| Tier 1 risk-based capital ratio | 20.7173% | 1,359 |
| Total risk-based capital ratio | 21.9686% | 1,343 |
| Memoranda: | ||
| Average total assets | $38,079,000 | 6,932 |
| Average earning assets | $35,776,800 | 6,884 |
| Average equity | $4,776,600 | 6,737 |
| Average total loans | $19,762,200 | 6,939 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 3,741 |
| Cost of funding earning assets | 0.6101% | 7,266 |
| Net interest margin | 4.6095% | 1,023 |
| Noninterest income to average assets | 1.1312% | 1,092 |
| Noninterest expense to average assets | 4.0710% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3861% | 1,137 |
| Return on assets (ROA) | 1.5223% | 961 |
| Pretax return on assets | 1.5223% | 1,555 |
| Return on Equity (ROE) | 12.0468% | 1,489 |
| Retained earnings to average equity (ytd only) | 12.0468% | 454 |
| Net charge-offs to loans | 0.0136% | 6,480 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 198.2472% | 164 |
| Efficiency ratio | 74.6001% | 3,213 |
| Assets per employee ($millions) | 2.0279% | 7,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 5,190 |
| Loan loss allowance to noncurrent loans | 361.9718% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 6,370 |
| Noncurrent loans to loans | 0.3470% | 6,503 |
| Net loans and leases to total assets | 52.4397% | 6,052 |
| Net loans and leases to deposits | 60.6374% | 6,258 |
| Net loans and leases to core deposits | 60.6374% | 6,565 |
| Total domestic deposits to total assets | 86.4807% | 2,811 |
| Equity capital to assets | 13.2650% | 1,466 |
| Core capital (leverage) ratio | 12.3167% | 1,498 |
| Tier 1 risk-based capital ratio | 22.1420% | 1,187 |
| Total risk-based capital ratio | 23.3388% | 1,166 |
| Memoranda: | ||
| Average total assets | $38,188,000 | 7,010 |
| Average earning assets | $35,838,500 | 6,964 |
| Average equity | $4,825,500 | 6,805 |
| Average total loans | $19,654,000 | 7,039 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1988% | 3,967 |
| Cost of funding earning assets | 0.6317% | 7,339 |
| Net interest margin | 4.5671% | 1,071 |
| Noninterest income to average assets | 1.1924% | 908 |
| Noninterest expense to average assets | 4.1393% | 875 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3447% | 1,201 |
| Return on assets (ROA) | 1.5286% | 914 |
| Pretax return on assets | 1.5286% | 1,483 |
| Return on Equity (ROE) | 12.3036% | 1,381 |
| Retained earnings to average equity (ytd only) | 12.3036% | 448 |
| Net charge-offs to loans | -0.1135% | 7,573 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4789% | 3,165 |
| Assets per employee ($millions) | 1.9023% | 7,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 4,526 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 6,717 |
| Noncurrent loans to loans | 0.0767% | 7,116 |
| Net loans and leases to total assets | 50.7254% | 6,349 |
| Net loans and leases to deposits | 58.4004% | 6,546 |
| Net loans and leases to core deposits | 58.4004% | 6,803 |
| Total domestic deposits to total assets | 86.8580% | 2,614 |
| Equity capital to assets | 12.9343% | 1,597 |
| Core capital (leverage) ratio | 12.0700% | 1,607 |
| Tier 1 risk-based capital ratio | 22.1811% | 1,170 |
| Total risk-based capital ratio | 23.4318% | 1,148 |
| Memoranda: | ||
| Average total assets | $38,074,000 | 7,074 |
| Average earning assets | $35,777,330 | 7,013 |
| Average equity | $4,730,330 | 6,868 |
| Average total loans | $19,384,670 | 7,104 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1506% | 4,294 |
| Cost of funding earning assets | 0.6480% | 7,449 |
| Net interest margin | 4.5026% | 1,136 |
| Noninterest income to average assets | 1.2602% | 772 |
| Noninterest expense to average assets | 4.0643% | 943 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4283% | 1,018 |
| Return on assets (ROA) | 1.6908% | 680 |
| Pretax return on assets | 1.6908% | 1,078 |
| Return on Equity (ROE) | 13.8943% | 1,074 |
| Retained earnings to average equity (ytd only) | 13.8943% | 522 |
| Net charge-offs to loans | -0.1659% | 7,637 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9962% | 3,579 |
| Assets per employee ($millions) | 1.9131% | 7,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 4,469 |
| Loan loss allowance to noncurrent loans | 1,213.6364% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 6,740 |
| Noncurrent loans to loans | 0.1145% | 7,121 |
| Net loans and leases to total assets | 49.5139% | 6,525 |
| Net loans and leases to deposits | 56.5320% | 6,730 |
| Net loans and leases to core deposits | 56.5320% | 6,964 |
| Total domestic deposits to total assets | 87.5856% | 2,309 |
| Equity capital to assets | 12.2341% | 1,913 |
| Core capital (leverage) ratio | 11.7077% | 1,798 |
| Tier 1 risk-based capital ratio | 21.5350% | 1,263 |
| Total risk-based capital ratio | 22.7845% | 1,241 |
| Memoranda: | ||
| Average total assets | $38,088,000 | 7,155 |
| Average earning assets | $35,801,500 | 7,096 |
| Average equity | $4,635,000 | 6,964 |
| Average total loans | $19,292,500 | 7,198 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6013% | 3,605 |
| Cost of funding earning assets | 0.9102% | 7,384 |
| Net interest margin | 4.6910% | 848 |
| Noninterest income to average assets | 1.3874% | 762 |
| Noninterest expense to average assets | 4.1516% | 1,158 |
| Loan and lease loss provision to assets | 0.1283% | 6,357 |
| Net operating income to assets | 1.5024% | 670 |
| Return on assets (ROA) | 1.5024% | 720 |
| Pretax return on assets | 1.5024% | 1,183 |
| Return on Equity (ROE) | 11.7264% | 1,228 |
| Retained earnings to average equity (ytd only) | 0.0417% | 4,883 |
| Net charge-offs to loans | 0.0847% | 6,269 |
| Credit loss provision to net charge-offs | 300.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 38.1250% | 623 |
| Efficiency ratio | 71.7984% | 4,290 |
| Assets per employee ($millions) | 1.9955% | 7,731 |
| Cash dividends to net income (ytd only)* | 99.6441% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 4,554 |
| Loan loss allowance to noncurrent loans | 959.2593% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 6,662 |
| Noncurrent loans to loans | 0.1394% | 7,081 |
| Net loans and leases to total assets | 50.4141% | 6,588 |
| Net loans and leases to deposits | 58.3901% | 6,757 |
| Net loans and leases to core deposits | 73.1440% | 6,589 |
| Total domestic deposits to total assets | 86.3401% | 2,849 |
| Equity capital to assets | 12.1037% | 1,975 |
| Core capital (leverage) ratio | 11.3733% | 1,987 |
| Tier 1 risk-based capital ratio | 20.6680% | 1,350 |
| Total risk-based capital ratio | 21.9075% | 1,319 |
| Memoranda: | ||
| Average total assets | $37,407,200 | 7,193 |
| Average earning assets | $35,045,600 | 7,135 |
| Average equity | $4,792,600 | 7,026 |
| Average total loans | $18,893,000 | 7,262 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6297% | 3,693 |
| Cost of funding earning assets | 0.9701% | 7,445 |
| Net interest margin | 4.6596% | 890 |
| Noninterest income to average assets | 1.3698% | 805 |
| Noninterest expense to average assets | 4.0306% | 1,237 |
| Loan and lease loss provision to assets | 0.2968% | 4,593 |
| Net operating income to assets | 1.4055% | 1,015 |
| Return on assets (ROA) | 1.4055% | 1,081 |
| Pretax return on assets | 1.4055% | 1,679 |
| Return on Equity (ROE) | 10.8184% | 1,671 |
| Retained earnings to average equity (ytd only) | 10.8184% | 493 |
| Net charge-offs to loans | 0.1349% | 5,349 |
| Credit loss provision to net charge-offs | 436.8421% | 909 |
| Earnings coverage of net charge-offs (x) | 25.0553% | 1,066 |
| Efficiency ratio | 70.3057% | 4,532 |
| Assets per employee ($millions) | 1.9364% | 7,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 3,361 |
| Loan loss allowance to noncurrent loans | 149.2308% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7203% | 5,689 |
| Noncurrent loans to loans | 1.0140% | 5,278 |
| Net loans and leases to total assets | 51.4759% | 6,655 |
| Net loans and leases to deposits | 59.7181% | 6,850 |
| Net loans and leases to core deposits | 74.8873% | 6,675 |
| Total domestic deposits to total assets | 86.1981% | 2,588 |
| Equity capital to assets | 13.5519% | 1,475 |
| Core capital (leverage) ratio | 12.6712% | 1,512 |
| Tier 1 risk-based capital ratio | 22.9286% | 1,120 |
| Total risk-based capital ratio | 24.1797% | 1,086 |
| Memoranda: | ||
| Average total assets | $37,280,500 | 7,262 |
| Average earning assets | $34,909,250 | 7,210 |
| Average equity | $4,843,500 | 7,063 |
| Average total loans | $18,773,000 | 7,333 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6582% | 3,780 |
| Cost of funding earning assets | 1.0334% | 7,487 |
| Net interest margin | 4.6248% | 910 |
| Noninterest income to average assets | 1.3354% | 860 |
| Noninterest expense to average assets | 3.9526% | 1,393 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7092% | 556 |
| Return on assets (ROA) | 1.7092% | 603 |
| Pretax return on assets | 1.7092% | 995 |
| Return on Equity (ROE) | 13.3445% | 1,110 |
| Retained earnings to average equity (ytd only) | 13.3445% | 293 |
| Net charge-offs to loans | 0.0537% | 5,739 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 563 |
| Efficiency ratio | 69.8113% | 4,817 |
| Assets per employee ($millions) | 1.9471% | 7,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 4,989 |
| Loan loss allowance to noncurrent loans | 148.0000% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 5,928 |
| Noncurrent loans to loans | 0.8069% | 5,617 |
| Net loans and leases to total assets | 49.6486% | 6,905 |
| Net loans and leases to deposits | 57.2966% | 7,074 |
| Net loans and leases to core deposits | 72.4965% | 6,869 |
| Total domestic deposits to total assets | 86.6519% | 2,428 |
| Equity capital to assets | 13.0778% | 1,668 |
| Core capital (leverage) ratio | 12.3726% | 1,663 |
| Tier 1 risk-based capital ratio | 23.1815% | 1,116 |
| Total risk-based capital ratio | 24.2914% | 1,107 |
| Memoranda: | ||
| Average total assets | $37,443,330 | 7,317 |
| Average earning assets | $35,028,670 | 7,264 |
| Average equity | $4,796,000 | 7,138 |
| Average total loans | $18,620,670 | 7,416 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7358% | 3,606 |
| Cost of funding earning assets | 1.1267% | 7,470 |
| Net interest margin | 4.6091% | 926 |
| Noninterest income to average assets | 1.4973% | 629 |
| Noninterest expense to average assets | 3.7592% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0389% | 330 |
| Return on assets (ROA) | 2.0389% | 373 |
| Pretax return on assets | 2.0389% | 621 |
| Return on Equity (ROE) | 16.0838% | 809 |
| Retained earnings to average equity (ytd only) | 16.0838% | 332 |
| Net charge-offs to loans | -0.0429% | 7,656 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8352% | 5,534 |
| Assets per employee ($millions) | 1.8710% | 7,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 4,651 |
| Loan loss allowance to noncurrent loans | 230.3030% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 6,136 |
| Noncurrent loans to loans | 0.5305% | 6,094 |
| Net loans and leases to total assets | 49.2651% | 6,924 |
| Net loans and leases to deposits | 56.6934% | 7,117 |
| Net loans and leases to core deposits | 70.8575% | 6,971 |
| Total domestic deposits to total assets | 86.8974% | 2,269 |
| Equity capital to assets | 12.9530% | 1,768 |
| Core capital (leverage) ratio | 11.8971% | 1,943 |
| Tier 1 risk-based capital ratio | 22.1714% | 1,284 |
| Total risk-based capital ratio | 23.2925% | 1,268 |
| Memoranda: | ||
| Average total assets | $37,668,000 | 7,345 |
| Average earning assets | $35,147,500 | 7,300 |
| Average equity | $4,775,000 | 7,194 |
| Average total loans | $18,636,500 | 7,457 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0232% | 5,440 |
| Cost of funding earning assets | 1.6614% | 7,336 |
| Net interest margin | 4.3618% | 1,787 |
| Noninterest income to average assets | 1.4174% | 718 |
| Noninterest expense to average assets | 4.5320% | 864 |
| Loan and lease loss provision to assets | 0.0516% | 6,771 |
| Net operating income to assets | 0.8689% | 3,135 |
| Return on assets (ROA) | 0.8825% | 2,920 |
| Pretax return on assets | 0.8825% | 3,784 |
| Return on Equity (ROE) | 7.0973% | 3,477 |
| Retained earnings to average equity (ytd only) | 0.0437% | 5,210 |
| Net charge-offs to loans | 0.0603% | 5,914 |
| Credit loss provision to net charge-offs | 172.7273% | 2,959 |
| Earnings coverage of net charge-offs (x) | 30.8182% | 1,149 |
| Efficiency ratio | 83.1175% | 2,165 |
| Assets per employee ($millions) | 1.9956% | 7,913 |
| Cash dividends to net income (ytd only)* | 99.3846% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 4,384 |
| Loan loss allowance to noncurrent loans | 667.6471% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 6,479 |
| Noncurrent loans to loans | 0.1827% | 6,841 |
| Net loans and leases to total assets | 48.4835% | 7,148 |
| Net loans and leases to deposits | 55.9638% | 7,322 |
| Net loans and leases to core deposits | 69.0882% | 7,244 |
| Total domestic deposits to total assets | 86.6336% | 2,127 |
| Equity capital to assets | 12.4037% | 2,064 |
| Core capital (leverage) ratio | 11.5329% | 2,233 |
| Tier 1 risk-based capital ratio | 21.2849% | 1,418 |
| Total risk-based capital ratio | 22.4041% | 1,409 |
| Memoranda: | ||
| Average total assets | $36,827,400 | 7,351 |
| Average earning assets | $34,068,400 | 7,319 |
| Average equity | $4,579,200 | 7,308 |
| Average total loans | $18,257,000 | 7,446 |