Home > Kingstree Federal Savings and Loan Association > Performance and Condition Ratios
Kingstree Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 3,688 |
| Cost of funding earning assets | 1.9714% | 958 |
| Net interest margin | 2.1966% | 4,318 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.3516% | 2,716 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | -0.1344% | 4,441 |
| Return on assets (ROA) | -0.1586% | 4,430 |
| Pretax return on assets | -0.2143% | 4,432 |
| Return on Equity (ROE) | -1.0500% | 4,389 |
| Retained earnings to average equity (ytd only) | -1.3206% | 4,218 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 107.3698% | 124 |
| Assets per employee ($millions) | 5.9767% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 3,233 |
| Loan loss allowance to noncurrent loans | 20.7287% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 3.4439% | 52 |
| Noncurrent loans to loans | 4.8944% | 53 |
| Net loans and leases to total assets | 69.6500% | 1,847 |
| Net loans and leases to deposits | 84.1515% | 1,768 |
| Net loans and leases to core deposits | 89.5811% | 2,082 |
| Total domestic deposits to total assets | 82.7700% | 2,950 |
| Equity capital to assets | 15.3123% | 526 |
| Core capital (leverage) ratio | 17.2558% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $35,933,600 | 4,427 |
| Average earning assets | $32,869,600 | 4,395 |
| Average equity | $5,452,000 | 4,218 |
| Average total loans | $24,603,400 | 4,223 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 3,586 |
| Cost of funding earning assets | 1.7685% | 1,061 |
| Net interest margin | 2.3688% | 4,264 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.3661% | 2,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0767% | 4,334 |
| Return on assets (ROA) | 0.0445% | 4,373 |
| Pretax return on assets | -0.0482% | 4,426 |
| Return on Equity (ROE) | 0.2900% | 4,366 |
| Retained earnings to average equity (ytd only) | -0.0735% | 4,157 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 100.4724% | 172 |
| Assets per employee ($millions) | 5.9897% | 2,770 |
| Cash dividends to net income (ytd only)* | 125.0000% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 3,353 |
| Loan loss allowance to noncurrent loans | 22.1128% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 3.1081% | 65 |
| Noncurrent loans to loans | 4.5331% | 63 |
| Net loans and leases to total assets | 67.8800% | 2,056 |
| Net loans and leases to deposits | 81.1052% | 1,964 |
| Net loans and leases to core deposits | 88.0872% | 2,045 |
| Total domestic deposits to total assets | 83.6900% | 2,861 |
| Equity capital to assets | 14.8840% | 545 |
| Core capital (leverage) ratio | 17.2805% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $35,952,000 | 4,441 |
| Average earning assets | $32,870,500 | 4,417 |
| Average equity | $5,442,250 | 4,228 |
| Average total loans | $24,446,000 | 4,241 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 3,451 |
| Cost of funding earning assets | 1.5328% | 1,184 |
| Net interest margin | 2.5851% | 4,126 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.3083% | 2,780 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.2614% | 4,214 |
| Return on assets (ROA) | 0.2002% | 4,301 |
| Pretax return on assets | 0.1502% | 4,363 |
| Return on Equity (ROE) | 1.3200% | 4,345 |
| Retained earnings to average equity (ytd only) | 0.7674% | 3,947 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 90.6114% | 338 |
| Assets per employee ($millions) | 5.9393% | 2,764 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,392 |
| Loan loss allowance to noncurrent loans | 23.7336% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 2.9914% | 68 |
| Noncurrent loans to loans | 4.2428% | 76 |
| Net loans and leases to total assets | 69.7900% | 1,768 |
| Net loans and leases to deposits | 83.2536% | 1,741 |
| Net loans and leases to core deposits | 91.7312% | 1,701 |
| Total domestic deposits to total assets | 83.8300% | 2,865 |
| Equity capital to assets | 15.3693% | 490 |
| Core capital (leverage) ratio | 17.3178% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $35,956,667 | 4,467 |
| Average earning assets | $32,881,000 | 4,445 |
| Average equity | $5,473,333 | 4,247 |
| Average total loans | $24,381,000 | 4,254 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 2,552 |
| Cost of funding earning assets | 0.6999% | 580 |
| Net interest margin | 2.9907% | 3,474 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.2087% | 3,002 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.6084% | 3,862 |
| Return on assets (ROA) | 0.5632% | 3,925 |
| Pretax return on assets | 0.6774% | 3,899 |
| Return on Equity (ROE) | 3.9100% | 4,174 |
| Retained earnings to average equity (ytd only) | 3.5487% | 3,551 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.1935% | 1,200 |
| Assets per employee ($millions) | 6.0167% | 2,748 |
| Cash dividends to net income (ytd only)* | 9.2166% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,144 |
| Loan loss allowance to noncurrent loans | 25.3061% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 2.7147% | 67 |
| Noncurrent loans to loans | 4.1296% | 85 |
| Net loans and leases to total assets | 65.0500% | 2,134 |
| Net loans and leases to deposits | 76.8674% | 2,047 |
| Net loans and leases to core deposits | 81.3630% | 2,047 |
| Total domestic deposits to total assets | 84.6300% | 3,076 |
| Equity capital to assets | 15.0416% | 466 |
| Core capital (leverage) ratio | 16.8232% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6928% | 168 |
| Memoranda: | ||
| Average total assets | $38,529,400 | 4,542 |
| Average earning assets | $35,577,400 | 4,520 |
| Average equity | $5,551,400 | 4,378 |
| Average total loans | $24,207,200 | 4,343 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 2,394 |
| Cost of funding earning assets | 0.6540% | 327 |
| Net interest margin | 2.9284% | 3,414 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.2042% | 2,922 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.5519% | 3,968 |
| Return on assets (ROA) | 0.5519% | 3,905 |
| Pretax return on assets | 0.6541% | 3,891 |
| Return on Equity (ROE) | 3.8700% | 4,173 |
| Retained earnings to average equity (ytd only) | 3.3919% | 3,671 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.6588% | 1,024 |
| Assets per employee ($millions) | 7.3648% | 1,698 |
| Cash dividends to net income (ytd only)* | 12.3457% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 3,569 |
| Loan loss allowance to noncurrent loans | 17.1819% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 3.7774% | 28 |
| Noncurrent loans to loans | 5.7097% | 44 |
| Net loans and leases to total assets | 65.5100% | 1,933 |
| Net loans and leases to deposits | 76.8175% | 1,810 |
| Net loans and leases to core deposits | 82.9254% | 1,716 |
| Total domestic deposits to total assets | 85.2800% | 3,221 |
| Equity capital to assets | 14.3901% | 522 |
| Core capital (leverage) ratio | 15.9904% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $39,136,750 | 4,572 |
| Average earning assets | $36,287,000 | 4,550 |
| Average equity | $5,581,750 | 4,408 |
| Average total loans | $24,326,250 | 4,373 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4422% | 2,318 |
| Cost of funding earning assets | 0.6420% | 218 |
| Net interest margin | 2.8002% | 3,446 |
| Noninterest income to average assets | 0.1453% | 4,293 |
| Noninterest expense to average assets | 2.1299% | 3,065 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.5162% | 3,857 |
| Return on assets (ROA) | 0.5162% | 3,810 |
| Pretax return on assets | 0.6064% | 3,805 |
| Return on Equity (ROE) | 3.6293% | 4,110 |
| Retained earnings to average equity (ytd only) | 2.9246% | 3,472 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5547% | 1,121 |
| Assets per employee ($millions) | 7.7330% | 1,455 |
| Cash dividends to net income (ytd only)* | 19.4175% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,733 |
| Loan loss allowance to noncurrent loans | 28.9926% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 2.1053% | 124 |
| Noncurrent loans to loans | 3.3429% | 142 |
| Net loans and leases to total assets | 62.3665% | 2,080 |
| Net loans and leases to deposits | 72.7443% | 1,977 |
| Net loans and leases to core deposits | 78.8245% | 1,789 |
| Total domestic deposits to total assets | 85.7339% | 3,316 |
| Equity capital to assets | 14.0075% | 511 |
| Core capital (leverage) ratio | 15.4376% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,907,667 | 4,610 |
| Average earning assets | $37,069,333 | 4,598 |
| Average equity | $5,676,000 | 4,448 |
| Average total loans | $24,314,333 | 4,425 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3507% | 2,239 |
| Cost of funding earning assets | 0.6256% | 224 |
| Net interest margin | 2.7251% | 3,353 |
| Noninterest income to average assets | 0.1579% | 4,210 |
| Noninterest expense to average assets | 2.0923% | 3,168 |
| Loan and lease loss provision to assets | 0.0296% | 1,835 |
| Net operating income to assets | 0.4836% | 3,750 |
| Return on assets (ROA) | 0.4836% | 3,715 |
| Pretax return on assets | 0.5724% | 3,700 |
| Return on Equity (ROE) | 3.3758% | 4,016 |
| Retained earnings to average equity (ytd only) | 1.9979% | 3,536 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6557% | 1,345 |
| Assets per employee ($millions) | 6.7068% | 2,218 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,868 |
| Loan loss allowance to noncurrent loans | 24.1590% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 2.4378% | 103 |
| Noncurrent loans to loans | 3.9870% | 98 |
| Net loans and leases to total assets | 60.5552% | 2,006 |
| Net loans and leases to deposits | 70.6524% | 1,895 |
| Net loans and leases to core deposits | 77.0018% | 1,704 |
| Total domestic deposits to total assets | 85.7086% | 3,341 |
| Equity capital to assets | 14.0255% | 527 |
| Core capital (leverage) ratio | 14.7799% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,529,000 | 4,630 |
| Average earning assets | $37,724,000 | 4,616 |
| Average equity | $5,806,000 | 4,487 |
| Average total loans | $24,296,500 | 4,441 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5710% | 2,462 |
| Cost of funding earning assets | 0.8500% | 151 |
| Net interest margin | 2.7210% | 3,835 |
| Noninterest income to average assets | 0.2396% | 3,946 |
| Noninterest expense to average assets | 2.0886% | 3,415 |
| Loan and lease loss provision to assets | 0.0299% | 2,460 |
| Net operating income to assets | 0.5515% | 3,977 |
| Return on assets (ROA) | 0.5515% | 4,027 |
| Pretax return on assets | 0.6613% | 4,010 |
| Return on Equity (ROE) | 3.7468% | 4,255 |
| Retained earnings to average equity (ytd only) | 3.5772% | 3,393 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1346% | 1,195 |
| Assets per employee ($millions) | 6.8028% | 2,065 |
| Cash dividends to net income (ytd only)* | 4.5249% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 3,848 |
| Loan loss allowance to noncurrent loans | 25.4348% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 2.2540% | 129 |
| Noncurrent loans to loans | 3.8353% | 114 |
| Net loans and leases to total assets | 58.1963% | 2,356 |
| Net loans and leases to deposits | 68.3549% | 2,275 |
| Net loans and leases to core deposits | 73.9010% | 2,083 |
| Total domestic deposits to total assets | 85.1385% | 3,226 |
| Equity capital to assets | 14.6214% | 552 |
| Core capital (leverage) ratio | 14.6175% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,075,000 | 4,663 |
| Average earning assets | $37,412,200 | 4,641 |
| Average equity | $5,898,400 | 4,537 |
| Average total loans | $23,996,000 | 4,498 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6252% | 2,484 |
| Cost of funding earning assets | 0.8991% | 146 |
| Net interest margin | 2.7260% | 3,921 |
| Noninterest income to average assets | 0.2106% | 4,141 |
| Noninterest expense to average assets | 2.0723% | 3,448 |
| Loan and lease loss provision to assets | 0.0125% | 2,741 |
| Net operating income to assets | 0.5716% | 4,064 |
| Return on assets (ROA) | 0.5716% | 4,106 |
| Pretax return on assets | 0.6685% | 4,122 |
| Return on Equity (ROE) | 3.8768% | 4,321 |
| Retained earnings to average equity (ytd only) | 3.6501% | 3,698 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2427% | 1,094 |
| Assets per employee ($millions) | 6.7243% | 2,076 |
| Cash dividends to net income (ytd only)* | 5.8480% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 4,043 |
| Loan loss allowance to noncurrent loans | 18.7552% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 2.9867% | 85 |
| Noncurrent loans to loans | 4.9996% | 76 |
| Net loans and leases to total assets | 59.1781% | 2,357 |
| Net loans and leases to deposits | 69.6459% | 2,277 |
| Net loans and leases to core deposits | 76.2349% | 2,026 |
| Total domestic deposits to total assets | 84.9700% | 3,124 |
| Equity capital to assets | 14.7648% | 581 |
| Core capital (leverage) ratio | 14.7791% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,889,500 | 4,734 |
| Average earning assets | $37,220,250 | 4,713 |
| Average equity | $5,881,000 | 4,606 |
| Average total loans | $23,998,000 | 4,556 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6822% | 2,387 |
| Cost of funding earning assets | 0.9502% | 140 |
| Net interest margin | 2.7319% | 3,918 |
| Noninterest income to average assets | 0.2366% | 3,990 |
| Noninterest expense to average assets | 2.0736% | 3,470 |
| Loan and lease loss provision to assets | -0.0554% | 4,537 |
| Net operating income to assets | 0.6342% | 3,909 |
| Return on assets (ROA) | 0.6342% | 3,968 |
| Pretax return on assets | 0.7650% | 3,933 |
| Return on Equity (ROE) | 4.3035% | 4,272 |
| Retained earnings to average equity (ytd only) | 3.9620% | 3,529 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5027% | 1,205 |
| Assets per employee ($millions) | 5.6789% | 2,931 |
| Cash dividends to net income (ytd only)* | 7.9365% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8776% | 4,216 |
| Loan loss allowance to noncurrent loans | 28.7075% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.8490% | 244 |
| Noncurrent loans to loans | 3.0571% | 236 |
| Net loans and leases to total assets | 59.9492% | 2,434 |
| Net loans and leases to deposits | 70.6229% | 2,345 |
| Net loans and leases to core deposits | 77.4614% | 2,097 |
| Total domestic deposits to total assets | 84.8863% | 3,146 |
| Equity capital to assets | 14.8772% | 551 |
| Core capital (leverage) ratio | 14.7082% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,737,333 | 4,765 |
| Average earning assets | $37,043,333 | 4,745 |
| Average equity | $5,855,667 | 4,636 |
| Average total loans | $23,963,333 | 4,590 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8124% | 2,065 |
| Cost of funding earning assets | 1.0152% | 125 |
| Net interest margin | 2.7972% | 3,771 |
| Noninterest income to average assets | 0.2014% | 4,178 |
| Noninterest expense to average assets | 2.0237% | 3,646 |
| Loan and lease loss provision to assets | -0.1712% | 4,793 |
| Net operating income to assets | 0.7853% | 3,469 |
| Return on assets (ROA) | 0.7853% | 3,536 |
| Pretax return on assets | 0.9565% | 3,482 |
| Return on Equity (ROE) | 5.3548% | 4,018 |
| Retained earnings to average equity (ytd only) | 4.6683% | 3,325 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0430% | 1,492 |
| Assets per employee ($millions) | 5.6607% | 2,959 |
| Cash dividends to net income (ytd only)* | 12.8205% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 4,261 |
| Loan loss allowance to noncurrent loans | 23.6175% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 2.1905% | 213 |
| Noncurrent loans to loans | 3.6575% | 165 |
| Net loans and leases to total assets | 59.3741% | 2,622 |
| Net loans and leases to deposits | 69.7303% | 2,534 |
| Net loans and leases to core deposits | 78.3580% | 2,151 |
| Total domestic deposits to total assets | 85.1483% | 3,045 |
| Equity capital to assets | 14.6372% | 553 |
| Core capital (leverage) ratio | 16.5469% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,730,000 | 4,787 |
| Average earning assets | $37,037,000 | 4,767 |
| Average equity | $5,826,500 | 4,655 |
| Average total loans | $23,924,000 | 4,618 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8897% | 3,056 |
| Cost of funding earning assets | 1.5352% | 73 |
| Net interest margin | 2.3545% | 4,688 |
| Noninterest income to average assets | 0.1841% | 4,367 |
| Noninterest expense to average assets | 2.0251% | 4,094 |
| Loan and lease loss provision to assets | 0.0480% | 3,795 |
| Net operating income to assets | 0.2855% | 4,454 |
| Return on assets (ROA) | 0.2855% | 4,517 |
| Pretax return on assets | 0.2962% | 4,548 |
| Return on Equity (ROE) | 1.8620% | 4,579 |
| Retained earnings to average equity (ytd only) | 1.8620% | 3,888 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4730% | 547 |
| Assets per employee ($millions) | 5.6907% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,129 |
| Loan loss allowance to noncurrent loans | 21.7434% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 2.5631% | 171 |
| Noncurrent loans to loans | 4.2337% | 126 |
| Net loans and leases to total assets | 59.9824% | 2,865 |
| Net loans and leases to deposits | 70.5067% | 2,826 |
| Net loans and leases to core deposits | 79.1611% | 2,434 |
| Total domestic deposits to total assets | 85.0734% | 2,733 |
| Equity capital to assets | 14.6931% | 634 |
| Core capital (leverage) ratio | 14.5388% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2513% | 341 |
| Memoranda: | ||
| Average total assets | $37,480,400 | 4,800 |
| Average earning assets | $34,784,400 | 4,781 |
| Average equity | $5,746,600 | 4,672 |
| Average total loans | $23,769,800 | 4,646 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 3,131 |
| Cost of funding earning assets | 1.6256% | 67 |
| Net interest margin | 2.3195% | 4,772 |
| Noninterest income to average assets | 0.1771% | 4,405 |
| Noninterest expense to average assets | 2.0347% | 4,078 |
| Loan and lease loss provision to assets | 0.0623% | 3,562 |
| Net operating income to assets | 0.2024% | 4,590 |
| Return on assets (ROA) | 0.2024% | 4,631 |
| Pretax return on assets | 0.2313% | 4,623 |
| Return on Equity (ROE) | 1.3053% | 4,661 |
| Retained earnings to average equity (ytd only) | 1.3053% | 4,151 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4224% | 438 |
| Assets per employee ($millions) | 6.5042% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 4,073 |
| Loan loss allowance to noncurrent loans | 21.6243% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.6188% | 190 |
| Noncurrent loans to loans | 4.1629% | 153 |
| Net loans and leases to total assets | 62.3421% | 2,962 |
| Net loans and leases to deposits | 73.3530% | 3,012 |
| Net loans and leases to core deposits | 85.1558% | 2,371 |
| Total domestic deposits to total assets | 84.9891% | 2,442 |
| Equity capital to assets | 14.8161% | 678 |
| Core capital (leverage) ratio | 14.8112% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,891,750 | 4,832 |
| Average earning assets | $34,202,000 | 4,820 |
| Average equity | $5,720,000 | 4,694 |
| Average total loans | $23,683,250 | 4,677 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9773% | 3,386 |
| Cost of funding earning assets | 1.7114% | 74 |
| Net interest margin | 2.2659% | 4,848 |
| Noninterest income to average assets | 0.1824% | 4,369 |
| Noninterest expense to average assets | 2.0950% | 4,042 |
| Loan and lease loss provision to assets | 0.0387% | 3,792 |
| Net operating income to assets | 0.1216% | 4,661 |
| Return on assets (ROA) | 0.1216% | 4,693 |
| Pretax return on assets | 0.1493% | 4,682 |
| Return on Equity (ROE) | 0.7720% | 4,712 |
| Retained earnings to average equity (ytd only) | 0.7720% | 4,144 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7676% | 346 |
| Assets per employee ($millions) | 6.3012% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,031 |
| Loan loss allowance to noncurrent loans | 19.6279% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.8434% | 178 |
| Noncurrent loans to loans | 4.5384% | 132 |
| Net loans and leases to total assets | 62.0943% | 3,118 |
| Net loans and leases to deposits | 73.3235% | 3,137 |
| Net loans and leases to core deposits | 86.0999% | 2,426 |
| Total domestic deposits to total assets | 84.6854% | 2,510 |
| Equity capital to assets | 15.1639% | 595 |
| Core capital (leverage) ratio | 17.0288% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9793% | 184 |
| Memoranda: | ||
| Average total assets | $36,180,667 | 4,862 |
| Average earning assets | $33,540,667 | 4,847 |
| Average equity | $5,699,333 | 4,721 |
| Average total loans | $23,394,333 | 4,704 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 3,736 |
| Cost of funding earning assets | 1.7353% | 113 |
| Net interest margin | 2.2852% | 4,926 |
| Noninterest income to average assets | 0.2149% | 4,262 |
| Noninterest expense to average assets | 2.1715% | 4,077 |
| Loan and lease loss provision to assets | -0.0452% | 5,061 |
| Net operating income to assets | 0.2149% | 4,505 |
| Return on assets (ROA) | 0.2149% | 4,517 |
| Pretax return on assets | 0.2036% | 4,560 |
| Return on Equity (ROE) | 1.3374% | 4,580 |
| Retained earnings to average equity (ytd only) | 1.3374% | 3,656 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2039% | 395 |
| Assets per employee ($millions) | 6.0225% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8686% | 4,225 |
| Loan loss allowance to noncurrent loans | 19.4742% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.8421% | 218 |
| Noncurrent loans to loans | 4.4602% | 152 |
| Net loans and leases to total assets | 63.1687% | 3,169 |
| Net loans and leases to deposits | 75.1078% | 3,162 |
| Net loans and leases to core deposits | 84.6505% | 2,788 |
| Total domestic deposits to total assets | 84.1041% | 2,756 |
| Equity capital to assets | 15.7465% | 623 |
| Core capital (leverage) ratio | 16.1110% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3414% | 192 |
| Memoranda: | ||
| Average total assets | $35,367,500 | 4,906 |
| Average earning assets | $32,732,500 | 4,894 |
| Average equity | $5,682,500 | 4,760 |
| Average total loans | $23,248,000 | 4,740 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 3,232 |
| Cost of funding earning assets | 1.6647% | 223 |
| Net interest margin | 2.7410% | 4,802 |
| Noninterest income to average assets | 0.2099% | 4,409 |
| Noninterest expense to average assets | 2.3175% | 3,904 |
| Loan and lease loss provision to assets | 0.0300% | 3,416 |
| Net operating income to assets | 0.4557% | 4,495 |
| Return on assets (ROA) | 0.4617% | 4,523 |
| Pretax return on assets | 0.3957% | 4,715 |
| Return on Equity (ROE) | 2.7623% | 4,699 |
| Retained earnings to average equity (ytd only) | 2.7623% | 3,654 |
| Net charge-offs to loans | 0.0043% | 3,524 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 520 |
| Efficiency ratio | 84.6659% | 623 |
| Assets per employee ($millions) | 5.7667% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 4,087 |
| Loan loss allowance to noncurrent loans | 24.6973% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 2.3873% | 284 |
| Noncurrent loans to loans | 3.5194% | 235 |
| Net loans and leases to total assets | 67.2428% | 2,794 |
| Net loans and leases to deposits | 80.6252% | 2,706 |
| Net loans and leases to core deposits | 88.9781% | 2,518 |
| Total domestic deposits to total assets | 83.4017% | 3,071 |
| Equity capital to assets | 16.4017% | 540 |
| Core capital (leverage) ratio | 16.3929% | 473 |
| Tier 1 risk-based capital ratio | 34.8782% | 331 |
| Total risk-based capital ratio | 36.1299% | 326 |
| Memoranda: | ||
| Average total assets | $33,355,200 | 4,988 |
| Average earning assets | $30,755,600 | 4,975 |
| Average equity | $5,575,000 | 4,817 |
| Average total loans | $23,190,600 | 4,801 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 3,218 |
| Cost of funding earning assets | 1.6254% | 269 |
| Net interest margin | 2.8215% | 4,840 |
| Noninterest income to average assets | 0.2179% | 4,425 |
| Noninterest expense to average assets | 2.3483% | 3,827 |
| Loan and lease loss provision to assets | 0.0161% | 3,587 |
| Net operating income to assets | 0.4003% | 4,722 |
| Return on assets (ROA) | 0.4075% | 4,736 |
| Pretax return on assets | 0.4600% | 4,744 |
| Return on Equity (ROE) | 2.4263% | 4,853 |
| Retained earnings to average equity (ytd only) | 2.4263% | 4,131 |
| Net charge-offs to loans | 0.0058% | 3,185 |
| Credit loss provision to net charge-offs | 400.0000% | 752 |
| Earnings coverage of net charge-offs (x) | 116.2857% | 669 |
| Efficiency ratio | 83.3811% | 657 |
| Assets per employee ($millions) | 5.6255% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8466% | 4,250 |
| Loan loss allowance to noncurrent loans | 34.0792% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.7213% | 584 |
| Noncurrent loans to loans | 2.4843% | 472 |
| Net loans and leases to total assets | 68.7020% | 2,671 |
| Net loans and leases to deposits | 82.7204% | 2,590 |
| Net loans and leases to core deposits | 91.5187% | 2,414 |
| Total domestic deposits to total assets | 83.0534% | 3,151 |
| Equity capital to assets | 16.6830% | 525 |
| Core capital (leverage) ratio | 16.5813% | 489 |
| Tier 1 risk-based capital ratio | 35.9835% | 319 |
| Total risk-based capital ratio | 37.2309% | 315 |
| Memoranda: | ||
| Average total assets | $33,044,000 | 5,069 |
| Average earning assets | $30,432,750 | 5,054 |
| Average equity | $5,550,000 | 4,882 |
| Average total loans | $23,120,750 | 4,876 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 3,334 |
| Cost of funding earning assets | 1.5522% | 319 |
| Net interest margin | 2.8469% | 4,876 |
| Noninterest income to average assets | 0.2134% | 4,463 |
| Noninterest expense to average assets | 2.4567% | 3,595 |
| Loan and lease loss provision to assets | 0.0427% | 2,969 |
| Net operating income to assets | 0.3170% | 4,856 |
| Return on assets (ROA) | 0.3170% | 4,866 |
| Pretax return on assets | 0.3414% | 4,899 |
| Return on Equity (ROE) | 1.8830% | 4,954 |
| Retained earnings to average equity (ytd only) | 1.8830% | 4,150 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4807% | 519 |
| Assets per employee ($millions) | 5.5803% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 4,250 |
| Loan loss allowance to noncurrent loans | 33.3884% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.8069% | 559 |
| Noncurrent loans to loans | 2.5587% | 454 |
| Net loans and leases to total assets | 70.0167% | 2,526 |
| Net loans and leases to deposits | 84.2546% | 2,467 |
| Net loans and leases to core deposits | 93.2313% | 2,309 |
| Total domestic deposits to total assets | 83.1014% | 3,168 |
| Equity capital to assets | 16.6567% | 510 |
| Core capital (leverage) ratio | 16.4946% | 487 |
| Tier 1 risk-based capital ratio | 35.1837% | 333 |
| Total risk-based capital ratio | 36.4313% | 326 |
| Memoranda: | ||
| Average total assets | $32,807,670 | 5,114 |
| Average earning assets | $30,279,000 | 5,098 |
| Average equity | $5,523,000 | 4,918 |
| Average total loans | $23,032,000 | 4,916 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 3,324 |
| Cost of funding earning assets | 1.4710% | 359 |
| Net interest margin | 2.9018% | 4,872 |
| Noninterest income to average assets | 0.2094% | 4,495 |
| Noninterest expense to average assets | 2.4391% | 3,658 |
| Loan and lease loss provision to assets | -0.0123% | 5,215 |
| Net operating income to assets | 0.4065% | 4,718 |
| Return on assets (ROA) | 0.4065% | 4,732 |
| Pretax return on assets | 0.4558% | 4,765 |
| Return on Equity (ROE) | 2.4017% | 4,910 |
| Retained earnings to average equity (ytd only) | 2.4017% | 3,954 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 662 |
| Assets per employee ($millions) | 5.6003% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 4,330 |
| Loan loss allowance to noncurrent loans | 40.1656% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.4374% | 855 |
| Noncurrent loans to loans | 2.1252% | 681 |
| Net loans and leases to total assets | 67.0585% | 2,887 |
| Net loans and leases to deposits | 80.5066% | 2,783 |
| Net loans and leases to core deposits | 88.9578% | 2,600 |
| Total domestic deposits to total assets | 83.2956% | 3,284 |
| Equity capital to assets | 16.4484% | 508 |
| Core capital (leverage) ratio | 16.8414% | 441 |
| Tier 1 risk-based capital ratio | 35.5259% | 313 |
| Total risk-based capital ratio | 36.7769% | 306 |
| Memoranda: | ||
| Average total assets | $32,470,500 | 5,173 |
| Average earning assets | $29,912,500 | 5,157 |
| Average equity | $5,496,000 | 4,961 |
| Average total loans | $22,725,500 | 4,980 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,991 |
| Cost of funding earning assets | 1.0041% | 738 |
| Net interest margin | 3.3285% | 4,186 |
| Noninterest income to average assets | 0.2123% | 4,637 |
| Noninterest expense to average assets | 2.4016% | 3,872 |
| Loan and lease loss provision to assets | 0.0095% | 3,931 |
| Net operating income to assets | 0.7428% | 3,997 |
| Return on assets (ROA) | 0.7319% | 4,041 |
| Pretax return on assets | 0.8555% | 4,024 |
| Return on Equity (ROE) | 4.3052% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.0256% | 3,350 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2367% | 1,725 |
| Assets per employee ($millions) | 5.2232% | 2,239 |
| Cash dividends to net income (ytd only)* | 6.4935% | 3,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 4,340 |
| Loan loss allowance to noncurrent loans | 44.4191% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.4008% | 873 |
| Noncurrent loans to loans | 1.9319% | 709 |
| Net loans and leases to total assets | 71.8881% | 2,274 |
| Net loans and leases to deposits | 87.4505% | 2,123 |
| Net loans and leases to core deposits | 92.9836% | 2,318 |
| Total domestic deposits to total assets | 82.2043% | 3,591 |
| Equity capital to assets | 17.4383% | 381 |
| Core capital (leverage) ratio | 17.3770% | 372 |
| Tier 1 risk-based capital ratio | 37.4425% | 268 |
| Total risk-based capital ratio | 38.6917% | 265 |
| Memoranda: | ||
| Average total assets | $31,562,000 | 5,220 |
| Average earning assets | $29,082,000 | 5,206 |
| Average equity | $5,365,600 | 4,993 |
| Average total loans | $21,774,200 | 5,034 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 2,976 |
| Cost of funding earning assets | 0.9326% | 797 |
| Net interest margin | 3.3647% | 4,121 |
| Noninterest income to average assets | 0.2151% | 4,682 |
| Noninterest expense to average assets | 2.3362% | 4,003 |
| Loan and lease loss provision to assets | -0.0211% | 5,239 |
| Net operating income to assets | 0.8250% | 3,821 |
| Return on assets (ROA) | 0.8181% | 3,859 |
| Pretax return on assets | 0.9952% | 3,731 |
| Return on Equity (ROE) | 4.8431% | 4,616 |
| Retained earnings to average equity (ytd only) | 4.4687% | 3,514 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3939% | 2,138 |
| Assets per employee ($millions) | 5.2607% | 2,162 |
| Cash dividends to net income (ytd only)* | 7.7322% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 4,499 |
| Loan loss allowance to noncurrent loans | 58.4375% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.0138% | 1,431 |
| Noncurrent loans to loans | 1.4336% | 1,153 |
| Net loans and leases to total assets | 70.1242% | 2,624 |
| Net loans and leases to deposits | 84.9282% | 2,484 |
| Net loans and leases to core deposits | 89.4520% | 2,706 |
| Total domestic deposits to total assets | 82.5687% | 3,444 |
| Equity capital to assets | 17.0986% | 414 |
| Core capital (leverage) ratio | 17.2442% | 391 |
| Tier 1 risk-based capital ratio | 37.7106% | 259 |
| Total risk-based capital ratio | 38.9586% | 259 |
| Memoranda: | ||
| Average total assets | $31,617,750 | 5,290 |
| Average earning assets | $29,164,750 | 5,274 |
| Average equity | $5,340,750 | 5,053 |
| Average total loans | $21,536,750 | 5,103 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 2,733 |
| Cost of funding earning assets | 0.8767% | 804 |
| Net interest margin | 3.4314% | 3,858 |
| Noninterest income to average assets | 0.2149% | 4,735 |
| Noninterest expense to average assets | 2.3202% | 4,099 |
| Loan and lease loss provision to assets | -0.0885% | 5,415 |
| Net operating income to assets | 0.9040% | 3,439 |
| Return on assets (ROA) | 0.9040% | 3,444 |
| Pretax return on assets | 1.1506% | 3,130 |
| Return on Equity (ROE) | 5.3739% | 4,439 |
| Retained earnings to average equity (ytd only) | 4.8102% | 3,179 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5981% | 2,546 |
| Assets per employee ($millions) | 5.2533% | 2,147 |
| Cash dividends to net income (ytd only)* | 10.4895% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 4,609 |
| Loan loss allowance to noncurrent loans | 87.2549% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 2,288 |
| Noncurrent loans to loans | 0.9500% | 1,832 |
| Net loans and leases to total assets | 67.5635% | 2,935 |
| Net loans and leases to deposits | 81.6784% | 2,800 |
| Net loans and leases to core deposits | 86.9615% | 2,822 |
| Total domestic deposits to total assets | 82.7189% | 3,490 |
| Equity capital to assets | 17.0209% | 402 |
| Core capital (leverage) ratio | 17.0437% | 392 |
| Tier 1 risk-based capital ratio | 39.1042% | 243 |
| Total risk-based capital ratio | 40.3600% | 241 |
| Memoranda: | ||
| Average total assets | $31,635,670 | 5,353 |
| Average earning assets | $29,201,330 | 5,338 |
| Average equity | $5,322,000 | 5,111 |
| Average total loans | $21,275,330 | 5,166 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2716% | 2,630 |
| Cost of funding earning assets | 0.8351% | 815 |
| Net interest margin | 3.4364% | 3,750 |
| Noninterest income to average assets | 0.2271% | 4,655 |
| Noninterest expense to average assets | 2.3591% | 4,045 |
| Loan and lease loss provision to assets | 0.0757% | 2,251 |
| Net operating income to assets | 0.7948% | 3,724 |
| Return on assets (ROA) | 0.7948% | 3,730 |
| Pretax return on assets | 0.9588% | 3,671 |
| Return on Equity (ROE) | 4.7453% | 4,566 |
| Retained earnings to average equity (ytd only) | 3.6155% | 3,757 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5167% | 2,571 |
| Assets per employee ($millions) | 4.5280% | 3,113 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 4,295 |
| Loan loss allowance to noncurrent loans | 68.2759% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 1,732 |
| Noncurrent loans to loans | 1.3643% | 1,312 |
| Net loans and leases to total assets | 66.4406% | 2,972 |
| Net loans and leases to deposits | 79.9628% | 2,814 |
| Net loans and leases to core deposits | 84.2091% | 2,961 |
| Total domestic deposits to total assets | 83.0893% | 3,640 |
| Equity capital to assets | 16.7655% | 418 |
| Core capital (leverage) ratio | 15.5213% | 552 |
| Tier 1 risk-based capital ratio | 38.6359% | 247 |
| Total risk-based capital ratio | 39.8852% | 245 |
| Memoranda: | ||
| Average total assets | $31,706,500 | 5,410 |
| Average earning assets | $29,216,500 | 5,394 |
| Average equity | $5,310,500 | 5,164 |
| Average total loans | $21,176,000 | 5,227 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 3,670 |
| Cost of funding earning assets | 0.8546% | 467 |
| Net interest margin | 3.0611% | 4,769 |
| Noninterest income to average assets | 0.2502% | 4,634 |
| Noninterest expense to average assets | 2.2997% | 4,327 |
| Loan and lease loss provision to assets | 0.1959% | 1,065 |
| Net operating income to assets | 0.5831% | 4,086 |
| Return on assets (ROA) | 0.5064% | 4,391 |
| Pretax return on assets | 0.5154% | 4,905 |
| Return on Equity (ROE) | 3.2248% | 4,767 |
| Retained earnings to average equity (ytd only) | 3.2248% | 3,370 |
| Net charge-offs to loans | 0.3308% | 768 |
| Credit loss provision to net charge-offs | 95.5882% | 2,697 |
| Earnings coverage of net charge-offs (x) | 3.8529% | 3,543 |
| Efficiency ratio | 74.4390% | 1,837 |
| Assets per employee ($millions) | 5.2862% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 4,420 |
| Loan loss allowance to noncurrent loans | 65.5290% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9238% | 1,673 |
| Noncurrent loans to loans | 1.3890% | 1,239 |
| Net loans and leases to total assets | 65.9047% | 3,115 |
| Net loans and leases to deposits | 79.2801% | 2,996 |
| Net loans and leases to core deposits | 83.4818% | 3,106 |
| Total domestic deposits to total assets | 83.1289% | 3,516 |
| Equity capital to assets | 16.7324% | 423 |
| Core capital (leverage) ratio | 15.7814% | 501 |
| Tier 1 risk-based capital ratio | 39.0127% | 235 |
| Total risk-based capital ratio | 40.2635% | 229 |
| Memoranda: | ||
| Average total assets | $33,178,600 | 5,448 |
| Average earning assets | $30,773,600 | 5,429 |
| Average equity | $5,209,600 | 5,232 |
| Average total loans | $20,557,600 | 5,298 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 3,802 |
| Cost of funding earning assets | 0.8564% | 440 |
| Net interest margin | 3.0017% | 4,914 |
| Noninterest income to average assets | 0.2385% | 4,778 |
| Noninterest expense to average assets | 2.2656% | 4,385 |
| Loan and lease loss provision to assets | 0.1630% | 1,249 |
| Net operating income to assets | 0.5178% | 4,684 |
| Return on assets (ROA) | 0.4452% | 4,921 |
| Pretax return on assets | 0.5128% | 5,003 |
| Return on Equity (ROE) | 2.8799% | 5,136 |
| Retained earnings to average equity (ytd only) | 2.8799% | 4,186 |
| Net charge-offs to loans | 0.4439% | 470 |
| Credit loss provision to net charge-offs | 60.2941% | 2,804 |
| Earnings coverage of net charge-offs (x) | 2.8090% | 3,423 |
| Efficiency ratio | 74.9014% | 1,762 |
| Assets per employee ($millions) | 4.6844% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 4,878 |
| Loan loss allowance to noncurrent loans | 42.2111% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.2137% | 1,354 |
| Noncurrent loans to loans | 1.9094% | 910 |
| Net loans and leases to total assets | 63.0539% | 3,545 |
| Net loans and leases to deposits | 75.2867% | 3,441 |
| Net loans and leases to core deposits | 78.2086% | 3,612 |
| Total domestic deposits to total assets | 83.7516% | 3,210 |
| Equity capital to assets | 16.1172% | 519 |
| Core capital (leverage) ratio | 15.6729% | 542 |
| Tier 1 risk-based capital ratio | 38.0601% | 253 |
| Total risk-based capital ratio | 39.2862% | 250 |
| Memoranda: | ||
| Average total assets | $33,544,000 | 5,505 |
| Average earning assets | $31,137,000 | 5,483 |
| Average equity | $5,185,250 | 5,295 |
| Average total loans | $20,423,250 | 5,358 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 3,869 |
| Cost of funding earning assets | 0.8542% | 398 |
| Net interest margin | 2.9516% | 5,003 |
| Noninterest income to average assets | 0.2545% | 4,713 |
| Noninterest expense to average assets | 2.2962% | 4,362 |
| Loan and lease loss provision to assets | 0.1775% | 1,081 |
| Net operating income to assets | 0.4514% | 4,853 |
| Return on assets (ROA) | 0.3432% | 5,139 |
| Pretax return on assets | 0.3965% | 5,179 |
| Return on Equity (ROE) | 2.2516% | 5,294 |
| Retained earnings to average equity (ytd only) | 2.2516% | 4,327 |
| Net charge-offs to loans | 0.6705% | 291 |
| Credit loss provision to net charge-offs | 44.1176% | 2,610 |
| Earnings coverage of net charge-offs (x) | 1.7353% | 3,250 |
| Efficiency ratio | 76.6798% | 1,623 |
| Assets per employee ($millions) | 4.8230% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 5,053 |
| Loan loss allowance to noncurrent loans | 38.8060% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1907% | 1,429 |
| Noncurrent loans to loans | 1.9547% | 872 |
| Net loans and leases to total assets | 60.4544% | 3,803 |
| Net loans and leases to deposits | 71.6417% | 3,773 |
| Net loans and leases to core deposits | 74.3967% | 3,909 |
| Total domestic deposits to total assets | 84.3843% | 3,057 |
| Equity capital to assets | 15.5120% | 611 |
| Core capital (leverage) ratio | 15.4957% | 544 |
| Tier 1 risk-based capital ratio | 37.3877% | 254 |
| Total risk-based capital ratio | 38.5178% | 254 |
| Memoranda: | ||
| Average total assets | $33,795,000 | 5,545 |
| Average earning assets | $31,372,670 | 5,528 |
| Average equity | $5,152,000 | 5,337 |
| Average total loans | $20,283,000 | 5,401 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7308% | 4,001 |
| Cost of funding earning assets | 0.8658% | 344 |
| Net interest margin | 2.8649% | 5,146 |
| Noninterest income to average assets | 0.2366% | 4,847 |
| Noninterest expense to average assets | 2.2714% | 4,480 |
| Loan and lease loss provision to assets | 0.1538% | 1,193 |
| Net operating income to assets | 0.4363% | 4,832 |
| Return on assets (ROA) | 0.2839% | 5,247 |
| Pretax return on assets | 0.3076% | 5,306 |
| Return on Equity (ROE) | 1.8789% | 5,356 |
| Retained earnings to average equity (ytd only) | 1.8789% | 4,374 |
| Net charge-offs to loans | 1.3504% | 128 |
| Credit loss provision to net charge-offs | 19.1176% | 2,175 |
| Earnings coverage of net charge-offs (x) | 0.7794% | 2,797 |
| Efficiency ratio | 78.3673% | 1,580 |
| Assets per employee ($millions) | 4.8304% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6944% | 5,324 |
| Loan loss allowance to noncurrent loans | 36.8421% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 1.1238% | 1,579 |
| Noncurrent loans to loans | 1.8847% | 974 |
| Net loans and leases to total assets | 59.2139% | 3,865 |
| Net loans and leases to deposits | 69.8848% | 3,806 |
| Net loans and leases to core deposits | 72.5514% | 3,941 |
| Total domestic deposits to total assets | 84.7307% | 3,199 |
| Equity capital to assets | 15.1746% | 622 |
| Core capital (leverage) ratio | 14.9004% | 624 |
| Tier 1 risk-based capital ratio | 37.2088% | 271 |
| Total risk-based capital ratio | 38.2280% | 272 |
| Memoranda: | ||
| Average total assets | $33,812,000 | 5,607 |
| Average earning assets | $31,414,500 | 5,590 |
| Average equity | $5,109,500 | 5,400 |
| Average total loans | $20,141,500 | 5,459 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8246% | 3,820 |
| Cost of funding earning assets | 0.9497% | 230 |
| Net interest margin | 2.8748% | 5,175 |
| Noninterest income to average assets | 0.2663% | 4,825 |
| Noninterest expense to average assets | 2.4147% | 4,267 |
| Loan and lease loss provision to assets | 0.5948% | 219 |
| Net operating income to assets | -0.0020% | 5,648 |
| Return on assets (ROA) | -0.0266% | 5,672 |
| Pretax return on assets | -0.1302% | 5,701 |
| Return on Equity (ROE) | -0.1731% | 5,671 |
| Retained earnings to average equity (ytd only) | -0.1731% | 5,332 |
| Net charge-offs to loans | 0.9790% | 191 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 0.8458% | 4,070 |
| Efficiency ratio | 82.7586% | 1,119 |
| Assets per employee ($millions) | 4.8301% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 4,480 |
| Loan loss allowance to noncurrent loans | 52.4194% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.3664% | 1,262 |
| Noncurrent loans to loans | 1.8488% | 1,019 |
| Net loans and leases to total assets | 58.9335% | 3,969 |
| Net loans and leases to deposits | 69.5061% | 3,956 |
| Net loans and leases to core deposits | 72.1538% | 4,076 |
| Total domestic deposits to total assets | 84.7890% | 3,134 |
| Equity capital to assets | 15.0484% | 635 |
| Core capital (leverage) ratio | 14.6176% | 669 |
| Tier 1 risk-based capital ratio | 36.6153% | 285 |
| Total risk-based capital ratio | 37.8660% | 279 |
| Memoranda: | ||
| Average total assets | $33,793,000 | 5,653 |
| Average earning assets | $31,167,000 | 5,645 |
| Average equity | $5,200,400 | 5,435 |
| Average total loans | $20,530,800 | 5,504 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 3,767 |
| Cost of funding earning assets | 0.9605% | 212 |
| Net interest margin | 2.8900% | 5,203 |
| Noninterest income to average assets | 0.2407% | 5,033 |
| Noninterest expense to average assets | 2.3952% | 4,293 |
| Loan and lease loss provision to assets | 0.6629% | 172 |
| Net operating income to assets | -0.0412% | 5,739 |
| Return on assets (ROA) | -0.0513% | 5,759 |
| Pretax return on assets | -0.1736% | 5,787 |
| Return on Equity (ROE) | -0.3315% | 5,757 |
| Retained earnings to average equity (ytd only) | -0.3315% | 5,420 |
| Net charge-offs to loans | 1.0727% | 152 |
| Credit loss provision to net charge-offs | 101.2048% | 2,324 |
| Earnings coverage of net charge-offs (x) | 0.7711% | 3,762 |
| Efficiency ratio | 82.5850% | 1,115 |
| Assets per employee ($millions) | 4.8854% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 4,529 |
| Loan loss allowance to noncurrent loans | 47.8155% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 1.6726% | 1,026 |
| Noncurrent loans to loans | 2.0444% | 953 |
| Net loans and leases to total assets | 58.3543% | 4,061 |
| Net loans and leases to deposits | 68.9565% | 4,067 |
| Net loans and leases to core deposits | 71.5551% | 4,194 |
| Total domestic deposits to total assets | 84.6248% | 2,975 |
| Equity capital to assets | 15.2524% | 683 |
| Core capital (leverage) ratio | 14.8213% | 666 |
| Tier 1 risk-based capital ratio | 36.4687% | 308 |
| Total risk-based capital ratio | 37.7185% | 303 |
| Memoranda: | ||
| Average total assets | $33,788,500 | 5,713 |
| Average earning assets | $31,095,250 | 5,703 |
| Average equity | $5,228,500 | 5,482 |
| Average total loans | $20,633,250 | 5,555 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8705% | 3,699 |
| Cost of funding earning assets | 0.9563% | 212 |
| Net interest margin | 2.9142% | 5,242 |
| Noninterest income to average assets | 0.2674% | 4,872 |
| Noninterest expense to average assets | 2.4426% | 4,210 |
| Loan and lease loss provision to assets | 0.5587% | 216 |
| Net operating income to assets | 0.0097% | 5,761 |
| Return on assets (ROA) | 0.0059% | 5,792 |
| Pretax return on assets | -0.0594% | 5,811 |
| Return on Equity (ROE) | 0.0382% | 5,792 |
| Retained earnings to average equity (ytd only) | 0.0382% | 5,277 |
| Net charge-offs to loans | 1.2119% | 143 |
| Credit loss provision to net charge-offs | 74.6032% | 2,429 |
| Earnings coverage of net charge-offs (x) | 0.6746% | 3,497 |
| Efficiency ratio | 82.8629% | 1,168 |
| Assets per employee ($millions) | 4.8080% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7924% | 5,297 |
| Loan loss allowance to noncurrent loans | 60.5948% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 1.6698% | 1,083 |
| Noncurrent loans to loans | 1.3077% | 1,729 |
| Net loans and leases to total assets | 60.6341% | 3,796 |
| Net loans and leases to deposits | 72.0713% | 3,778 |
| Net loans and leases to core deposits | 74.8469% | 3,921 |
| Total domestic deposits to total assets | 84.1306% | 3,218 |
| Equity capital to assets | 15.6317% | 600 |
| Core capital (leverage) ratio | 15.1456% | 586 |
| Tier 1 risk-based capital ratio | 36.0367% | 306 |
| Total risk-based capital ratio | 37.1953% | 306 |
| Memoranda: | ||
| Average total assets | $33,652,000 | 5,784 |
| Average earning assets | $30,952,000 | 5,772 |
| Average equity | $5,232,670 | 5,536 |
| Average total loans | $20,793,330 | 5,607 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 3,869 |
| Cost of funding earning assets | 0.9554% | 220 |
| Net interest margin | 2.8662% | 5,370 |
| Noninterest income to average assets | 0.2615% | 4,858 |
| Noninterest expense to average assets | 2.3655% | 4,471 |
| Loan and lease loss provision to assets | 0.1189% | 1,775 |
| Net operating income to assets | 0.3832% | 5,045 |
| Return on assets (ROA) | 0.4160% | 5,019 |
| Pretax return on assets | 0.4517% | 5,209 |
| Return on Equity (ROE) | 2.6828% | 5,339 |
| Retained earnings to average equity (ytd only) | 2.6828% | 4,171 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5574% | 1,416 |
| Assets per employee ($millions) | 4.8113% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 4,681 |
| Loan loss allowance to noncurrent loans | 45.2747% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 2.0131% | 857 |
| Noncurrent loans to loans | 2.1810% | 947 |
| Net loans and leases to total assets | 61.3320% | 3,616 |
| Net loans and leases to deposits | 72.8119% | 3,570 |
| Net loans and leases to core deposits | 75.6076% | 3,718 |
| Total domestic deposits to total assets | 84.2335% | 3,435 |
| Equity capital to assets | 15.5646% | 590 |
| Core capital (leverage) ratio | 15.1358% | 582 |
| Tier 1 risk-based capital ratio | 35.7669% | 313 |
| Total risk-based capital ratio | 37.0222% | 311 |
| Memoranda: | ||
| Average total assets | $33,650,000 | 5,842 |
| Average earning assets | $30,981,500 | 5,830 |
| Average equity | $5,218,500 | 5,577 |
| Average total loans | $20,905,000 | 5,649 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8381% | 3,921 |
| Cost of funding earning assets | 0.9853% | 189 |
| Net interest margin | 2.8528% | 5,418 |
| Noninterest income to average assets | 0.2697% | 4,942 |
| Noninterest expense to average assets | 2.4363% | 4,422 |
| Loan and lease loss provision to assets | 0.0415% | 3,506 |
| Net operating income to assets | 0.3631% | 5,166 |
| Return on assets (ROA) | 0.3734% | 5,216 |
| Pretax return on assets | 0.4298% | 5,262 |
| Return on Equity (ROE) | 2.4869% | 5,458 |
| Retained earnings to average equity (ytd only) | 2.4869% | 4,300 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1351% | 1,170 |
| Assets per employee ($millions) | 4.8030% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 4,966 |
| Loan loss allowance to noncurrent loans | 43.4298% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.9988% | 883 |
| Noncurrent loans to loans | 2.1434% | 946 |
| Net loans and leases to total assets | 61.7263% | 3,596 |
| Net loans and leases to deposits | 73.2519% | 3,585 |
| Net loans and leases to core deposits | 76.0629% | 3,748 |
| Total domestic deposits to total assets | 84.2658% | 3,379 |
| Equity capital to assets | 15.4517% | 607 |
| Core capital (leverage) ratio | 15.0053% | 615 |
| Tier 1 risk-based capital ratio | 35.8355% | 317 |
| Total risk-based capital ratio | 37.0865% | 312 |
| Memoranda: | ||
| Average total assets | $33,740,000 | 5,898 |
| Average earning assets | $31,057,000 | 5,879 |
| Average equity | $5,066,600 | 5,640 |
| Average total loans | $20,306,000 | 5,709 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8328% | 3,989 |
| Cost of funding earning assets | 0.9958% | 182 |
| Net interest margin | 2.8370% | 5,520 |
| Noninterest income to average assets | 0.2487% | 5,154 |
| Noninterest expense to average assets | 2.4479% | 4,360 |
| Loan and lease loss provision to assets | 0.0395% | 3,423 |
| Net operating income to assets | 0.3181% | 5,407 |
| Return on assets (ROA) | 0.3317% | 5,446 |
| Pretax return on assets | 0.3869% | 5,487 |
| Return on Equity (ROE) | 2.2246% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.2246% | 4,769 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6354% | 1,027 |
| Assets per employee ($millions) | 4.8699% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 5,150 |
| Loan loss allowance to noncurrent loans | 41.4317% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 2.0065% | 1,021 |
| Noncurrent loans to loans | 2.2054% | 997 |
| Net loans and leases to total assets | 60.7586% | 3,766 |
| Net loans and leases to deposits | 71.7199% | 3,801 |
| Net loans and leases to core deposits | 74.4153% | 3,977 |
| Total domestic deposits to total assets | 84.7165% | 3,121 |
| Equity capital to assets | 15.0048% | 736 |
| Core capital (leverage) ratio | 14.8865% | 657 |
| Tier 1 risk-based capital ratio | 35.1136% | 343 |
| Total risk-based capital ratio | 36.3674% | 346 |
| Memoranda: | ||
| Average total assets | $33,769,750 | 5,975 |
| Average earning assets | $31,064,500 | 5,960 |
| Average equity | $5,034,500 | 5,716 |
| Average total loans | $20,145,500 | 5,786 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 3,990 |
| Cost of funding earning assets | 1.0019% | 181 |
| Net interest margin | 2.8182% | 5,575 |
| Noninterest income to average assets | 0.2376% | 5,256 |
| Noninterest expense to average assets | 2.4834% | 4,293 |
| Loan and lease loss provision to assets | 0.0475% | 3,171 |
| Net operating income to assets | 0.2916% | 5,463 |
| Return on assets (ROA) | 0.3149% | 5,485 |
| Pretax return on assets | 0.3208% | 5,620 |
| Return on Equity (ROE) | 2.1168% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.1168% | 4,649 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8151% | 920 |
| Assets per employee ($millions) | 4.8471% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 5,256 |
| Loan loss allowance to noncurrent loans | 66.4311% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.4913% | 1,656 |
| Noncurrent loans to loans | 1.3743% | 1,969 |
| Net loans and leases to total assets | 60.1356% | 3,812 |
| Net loans and leases to deposits | 70.8644% | 3,838 |
| Net loans and leases to core deposits | 72.7675% | 4,060 |
| Total domestic deposits to total assets | 84.8600% | 3,186 |
| Equity capital to assets | 14.8246% | 736 |
| Core capital (leverage) ratio | 14.8681% | 643 |
| Tier 1 risk-based capital ratio | 36.6674% | 322 |
| Total risk-based capital ratio | 37.9195% | 317 |
| Memoranda: | ||
| Average total assets | $33,663,330 | 6,043 |
| Average earning assets | $30,941,670 | 6,028 |
| Average equity | $5,007,670 | 5,777 |
| Average total loans | $19,893,000 | 5,853 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 4,052 |
| Cost of funding earning assets | 1.0124% | 171 |
| Net interest margin | 2.7776% | 5,691 |
| Noninterest income to average assets | 0.2028% | 5,501 |
| Noninterest expense to average assets | 2.4336% | 4,499 |
| Loan and lease loss provision to assets | 0.0119% | 3,571 |
| Net operating income to assets | 0.3102% | 5,376 |
| Return on assets (ROA) | 0.3102% | 5,478 |
| Pretax return on assets | 0.3102% | 5,625 |
| Return on Equity (ROE) | 2.0815% | 5,669 |
| Retained earnings to average equity (ytd only) | 2.0815% | 4,631 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3117% | 995 |
| Assets per employee ($millions) | 4.2014% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 5,391 |
| Loan loss allowance to noncurrent loans | 95.2880% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.2317% | 2,173 |
| Noncurrent loans to loans | 0.9609% | 2,853 |
| Net loans and leases to total assets | 58.5969% | 3,863 |
| Net loans and leases to deposits | 69.0980% | 3,848 |
| Net loans and leases to core deposits | 70.9704% | 4,066 |
| Total domestic deposits to total assets | 84.8026% | 3,513 |
| Equity capital to assets | 14.9029% | 733 |
| Core capital (leverage) ratio | 14.5574% | 675 |
| Tier 1 risk-based capital ratio | 36.5321% | 323 |
| Total risk-based capital ratio | 37.8977% | 314 |
| Memoranda: | ||
| Average total assets | $33,530,000 | 6,111 |
| Average earning assets | $30,817,500 | 6,096 |
| Average equity | $4,996,500 | 5,836 |
| Average total loans | $19,543,500 | 5,916 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 4,328 |
| Cost of funding earning assets | 1.0565% | 177 |
| Net interest margin | 2.7918% | 5,823 |
| Noninterest income to average assets | 0.1845% | 5,752 |
| Noninterest expense to average assets | 2.3391% | 5,003 |
| Loan and lease loss provision to assets | 0.0417% | 3,744 |
| Net operating income to assets | 0.3840% | 5,275 |
| Return on assets (ROA) | 0.3869% | 5,331 |
| Pretax return on assets | 0.4017% | 5,484 |
| Return on Equity (ROE) | 2.6423% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.6423% | 4,360 |
| Net charge-offs to loans | 0.1337% | 2,680 |
| Credit loss provision to net charge-offs | 53.8462% | 3,405 |
| Earnings coverage of net charge-offs (x) | 5.6923% | 3,372 |
| Efficiency ratio | 84.1542% | 1,395 |
| Assets per employee ($millions) | 4.7784% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 5,324 |
| Loan loss allowance to noncurrent loans | 95.2632% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.2347% | 2,290 |
| Noncurrent loans to loans | 0.9891% | 2,856 |
| Net loans and leases to total assets | 56.8896% | 4,216 |
| Net loans and leases to deposits | 67.0531% | 4,213 |
| Net loans and leases to core deposits | 68.8783% | 4,416 |
| Total domestic deposits to total assets | 84.8426% | 3,351 |
| Equity capital to assets | 14.9003% | 720 |
| Core capital (leverage) ratio | 14.7937% | 648 |
| Tier 1 risk-based capital ratio | 33.8238% | 376 |
| Total risk-based capital ratio | 35.0626% | 368 |
| Memoranda: | ||
| Average total assets | $33,603,000 | 6,184 |
| Average earning assets | $31,234,400 | 6,159 |
| Average equity | $4,920,000 | 5,877 |
| Average total loans | $19,452,600 | 5,983 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 4,385 |
| Cost of funding earning assets | 1.0509% | 190 |
| Net interest margin | 2.7952% | 5,875 |
| Noninterest income to average assets | 0.1744% | 5,876 |
| Noninterest expense to average assets | 2.3225% | 5,051 |
| Loan and lease loss provision to assets | 0.0634% | 3,083 |
| Net operating income to assets | 0.3765% | 5,335 |
| Return on assets (ROA) | 0.3765% | 5,413 |
| Pretax return on assets | 0.3923% | 5,592 |
| Return on Equity (ROE) | 2.5828% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.5828% | 4,748 |
| Net charge-offs to loans | 0.1777% | 2,030 |
| Credit loss provision to net charge-offs | 61.5385% | 2,917 |
| Earnings coverage of net charge-offs (x) | 4.4226% | 3,464 |
| Efficiency ratio | 83.5949% | 1,437 |
| Assets per employee ($millions) | 4.8857% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 5,403 |
| Loan loss allowance to noncurrent loans | 80.2632% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.3187% | 2,340 |
| Noncurrent loans to loans | 1.1907% | 2,671 |
| Net loans and leases to total assets | 55.4561% | 4,404 |
| Net loans and leases to deposits | 65.0322% | 4,427 |
| Net loans and leases to core deposits | 66.7511% | 4,638 |
| Total domestic deposits to total assets | 85.2749% | 3,232 |
| Equity capital to assets | 14.4708% | 858 |
| Core capital (leverage) ratio | 14.3543% | 756 |
| Tier 1 risk-based capital ratio | 32.8862% | 416 |
| Total risk-based capital ratio | 34.1136% | 408 |
| Memoranda: | ||
| Average total assets | $33,641,500 | 6,261 |
| Average earning assets | $31,338,750 | 6,232 |
| Average equity | $4,904,000 | 5,939 |
| Average total loans | $19,513,250 | 6,045 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8699% | 4,261 |
| Cost of funding earning assets | 1.0298% | 221 |
| Net interest margin | 2.8401% | 5,836 |
| Noninterest income to average assets | 0.1614% | 5,986 |
| Noninterest expense to average assets | 2.2836% | 5,193 |
| Loan and lease loss provision to assets | 0.0658% | 2,953 |
| Net operating income to assets | 0.4364% | 5,073 |
| Return on assets (ROA) | 0.4364% | 5,154 |
| Pretax return on assets | 0.4663% | 5,374 |
| Return on Equity (ROE) | 2.9863% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.9863% | 4,299 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1040% | 1,864 |
| Assets per employee ($millions) | 4.9889% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 5,179 |
| Loan loss allowance to noncurrent loans | 47.5524% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 1.2285% | 2,639 |
| Noncurrent loans to loans | 2.1774% | 1,510 |
| Net loans and leases to total assets | 55.8330% | 4,310 |
| Net loans and leases to deposits | 65.2216% | 4,359 |
| Net loans and leases to core deposits | 66.9023% | 4,560 |
| Total domestic deposits to total assets | 85.6051% | 3,237 |
| Equity capital to assets | 14.1057% | 929 |
| Core capital (leverage) ratio | 13.9912% | 830 |
| Tier 1 risk-based capital ratio | 32.3372% | 432 |
| Total risk-based capital ratio | 33.5896% | 423 |
| Memoranda: | ||
| Average total assets | $33,455,330 | 6,319 |
| Average earning assets | $31,267,000 | 6,291 |
| Average equity | $4,889,000 | 5,981 |
| Average total loans | $19,634,670 | 6,092 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 3,708 |
| Cost of funding earning assets | 1.0250% | 244 |
| Net interest margin | 2.9698% | 5,596 |
| Noninterest income to average assets | 0.1467% | 6,092 |
| Noninterest expense to average assets | 2.3593% | 5,042 |
| Loan and lease loss provision to assets | 0.1345% | 1,803 |
| Net operating income to assets | 0.4034% | 5,101 |
| Return on assets (ROA) | 0.4034% | 5,166 |
| Pretax return on assets | 0.4156% | 5,406 |
| Return on Equity (ROE) | 2.7102% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.7102% | 4,460 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0924% | 2,038 |
| Assets per employee ($millions) | 4.6999% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 5,376 |
| Loan loss allowance to noncurrent loans | 45.1327% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 1.3739% | 2,575 |
| Noncurrent loans to loans | 2.2951% | 1,556 |
| Net loans and leases to total assets | 59.2419% | 3,674 |
| Net loans and leases to deposits | 69.8316% | 3,627 |
| Net loans and leases to core deposits | 71.7599% | 3,896 |
| Total domestic deposits to total assets | 84.8354% | 3,942 |
| Equity capital to assets | 14.8515% | 704 |
| Core capital (leverage) ratio | 14.7309% | 641 |
| Tier 1 risk-based capital ratio | 32.1851% | 441 |
| Total risk-based capital ratio | 33.4353% | 435 |
| Memoranda: | ||
| Average total assets | $32,722,000 | 6,400 |
| Average earning assets | $30,439,500 | 6,373 |
| Average equity | $4,870,500 | 6,027 |
| Average total loans | $19,601,000 | 6,151 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9173% | 4,399 |
| Cost of funding earning assets | 1.0438% | 368 |
| Net interest margin | 2.8736% | 5,843 |
| Noninterest income to average assets | 0.1957% | 5,914 |
| Noninterest expense to average assets | 2.3121% | 5,343 |
| Loan and lease loss provision to assets | 0.0692% | 3,749 |
| Net operating income to assets | 0.5630% | 4,444 |
| Return on assets (ROA) | 0.5479% | 4,643 |
| Pretax return on assets | 0.4847% | 5,244 |
| Return on Equity (ROE) | 3.8342% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.8342% | 3,478 |
| Net charge-offs to loans | 0.0301% | 4,828 |
| Credit loss provision to net charge-offs | 383.3333% | 594 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,135 |
| Efficiency ratio | 80.2508% | 2,114 |
| Assets per employee ($millions) | 4.6493% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 5,620 |
| Loan loss allowance to noncurrent loans | 65.4237% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 3,619 |
| Noncurrent loans to loans | 1.5122% | 2,628 |
| Net loans and leases to total assets | 59.3486% | 3,818 |
| Net loans and leases to deposits | 70.0174% | 3,780 |
| Net loans and leases to core deposits | 72.3951% | 4,016 |
| Total domestic deposits to total assets | 84.7626% | 3,865 |
| Equity capital to assets | 14.9178% | 683 |
| Core capital (leverage) ratio | 14.8083% | 630 |
| Tier 1 risk-based capital ratio | 33.5635% | 379 |
| Total risk-based capital ratio | 34.9093% | 368 |
| Memoranda: | ||
| Average total assets | $33,216,800 | 6,451 |
| Average earning assets | $31,041,600 | 6,421 |
| Average equity | $4,746,800 | 6,129 |
| Average total loans | $19,934,600 | 6,204 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9041% | 4,489 |
| Cost of funding earning assets | 1.0411% | 402 |
| Net interest margin | 2.8630% | 5,892 |
| Noninterest income to average assets | 0.1957% | 6,001 |
| Noninterest expense to average assets | 2.2764% | 5,417 |
| Loan and lease loss provision to assets | 0.0799% | 3,462 |
| Net operating income to assets | 0.4611% | 4,971 |
| Return on assets (ROA) | 0.4433% | 5,193 |
| Pretax return on assets | 0.4992% | 5,357 |
| Return on Equity (ROE) | 3.1358% | 5,557 |
| Retained earnings to average equity (ytd only) | 3.1358% | 4,435 |
| Net charge-offs to loans | 0.0399% | 4,347 |
| Credit loss provision to net charge-offs | 333.3333% | 770 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,401 |
| Efficiency ratio | 79.1667% | 2,240 |
| Assets per employee ($millions) | 4.7613% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 5,754 |
| Loan loss allowance to noncurrent loans | 345.4545% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 5,945 |
| Noncurrent loans to loans | 0.2880% | 5,509 |
| Net loans and leases to total assets | 56.7374% | 4,215 |
| Net loans and leases to deposits | 66.4605% | 4,247 |
| Net loans and leases to core deposits | 69.9153% | 4,332 |
| Total domestic deposits to total assets | 85.3701% | 3,554 |
| Equity capital to assets | 14.3569% | 865 |
| Core capital (leverage) ratio | 14.3414% | 779 |
| Tier 1 risk-based capital ratio | 34.3813% | 357 |
| Total risk-based capital ratio | 35.7482% | 344 |
| Memoranda: | ||
| Average total assets | $33,384,750 | 6,520 |
| Average earning assets | $31,248,500 | 6,488 |
| Average equity | $4,719,750 | 6,220 |
| Average total loans | $20,041,250 | 6,266 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 4,266 |
| Cost of funding earning assets | 1.0443% | 441 |
| Net interest margin | 2.9152% | 5,767 |
| Noninterest income to average assets | 0.1497% | 6,301 |
| Noninterest expense to average assets | 2.2273% | 5,562 |
| Loan and lease loss provision to assets | 0.1197% | 2,824 |
| Net operating income to assets | 0.4610% | 4,968 |
| Return on assets (ROA) | 0.4610% | 5,137 |
| Pretax return on assets | 0.5269% | 5,280 |
| Return on Equity (ROE) | 3.2780% | 5,508 |
| Retained earnings to average equity (ytd only) | 3.2780% | 4,218 |
| Net charge-offs to loans | 0.0590% | 3,856 |
| Credit loss provision to net charge-offs | 333.3333% | 775 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,574 |
| Efficiency ratio | 77.5000% | 2,540 |
| Assets per employee ($millions) | 4.8000% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 5,992 |
| Loan loss allowance to noncurrent loans | 351.8519% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 5,238 |
| Noncurrent loans to loans | 0.2698% | 5,633 |
| Net loans and leases to total assets | 59.0030% | 3,829 |
| Net loans and leases to deposits | 68.9973% | 3,859 |
| Net loans and leases to core deposits | 72.5420% | 3,984 |
| Total domestic deposits to total assets | 85.5149% | 3,632 |
| Equity capital to assets | 14.0655% | 948 |
| Core capital (leverage) ratio | 14.0119% | 820 |
| Tier 1 risk-based capital ratio | 32.3026% | 427 |
| Total risk-based capital ratio | 33.6082% | 420 |
| Memoranda: | ||
| Average total assets | $33,403,330 | 6,569 |
| Average earning assets | $31,216,000 | 6,532 |
| Average equity | $4,698,000 | 6,267 |
| Average total loans | $20,355,000 | 6,282 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 4,016 |
| Cost of funding earning assets | 1.0672% | 435 |
| Net interest margin | 2.9573% | 5,686 |
| Noninterest income to average assets | 0.1441% | 6,382 |
| Noninterest expense to average assets | 2.2099% | 5,662 |
| Loan and lease loss provision to assets | 0.1081% | 2,894 |
| Net operating income to assets | 0.4444% | 4,935 |
| Return on assets (ROA) | 0.4444% | 5,097 |
| Pretax return on assets | 0.5885% | 4,983 |
| Return on Equity (ROE) | 3.1597% | 5,516 |
| Retained earnings to average equity (ytd only) | 3.1597% | 4,371 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0331% | 2,919 |
| Assets per employee ($millions) | 4.7573% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 6,257 |
| Loan loss allowance to noncurrent loans | 336.3636% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 5,262 |
| Noncurrent loans to loans | 0.2679% | 5,739 |
| Net loans and leases to total assets | 61.0883% | 3,240 |
| Net loans and leases to deposits | 71.4567% | 3,256 |
| Net loans and leases to core deposits | 73.7974% | 3,607 |
| Total domestic deposits to total assets | 85.4899% | 3,804 |
| Equity capital to assets | 14.1107% | 995 |
| Core capital (leverage) ratio | 14.0176% | 794 |
| Tier 1 risk-based capital ratio | 32.2271% | 444 |
| Total risk-based capital ratio | 33.5062% | 435 |
| Memoranda: | ||
| Average total assets | $33,305,000 | 6,638 |
| Average earning assets | $31,109,500 | 6,596 |
| Average equity | $4,684,000 | 6,344 |
| Average total loans | $20,525,000 | 6,330 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 4,818 |
| Cost of funding earning assets | 1.1990% | 582 |
| Net interest margin | 2.9370% | 6,160 |
| Noninterest income to average assets | 0.1821% | 6,094 |
| Noninterest expense to average assets | 2.1609% | 6,003 |
| Loan and lease loss provision to assets | 0.0985% | 4,414 |
| Net operating income to assets | 0.4983% | 4,702 |
| Return on assets (ROA) | 0.4895% | 4,976 |
| Pretax return on assets | 0.6596% | 4,797 |
| Return on Equity (ROE) | 3.5717% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.5717% | 3,696 |
| Net charge-offs to loans | 0.1670% | 4,044 |
| Credit loss provision to net charge-offs | 94.2857% | 3,299 |
| Earnings coverage of net charge-offs (x) | 7.3714% | 2,624 |
| Efficiency ratio | 73.7271% | 3,109 |
| Assets per employee ($millions) | 4.7584% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 6,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 5,843 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 61.0826% | 3,402 |
| Net loans and leases to deposits | 71.3294% | 3,518 |
| Net loans and leases to core deposits | 73.6587% | 3,825 |
| Total domestic deposits to total assets | 85.6345% | 3,537 |
| Equity capital to assets | 14.0172% | 1,042 |
| Core capital (leverage) ratio | 13.9168% | 825 |
| Tier 1 risk-based capital ratio | 31.7773% | 441 |
| Total risk-based capital ratio | 32.9855% | 433 |
| Memoranda: | ||
| Average total assets | $33,504,200 | 6,669 |
| Average earning assets | $31,358,200 | 6,630 |
| Average equity | $4,591,600 | 6,417 |
| Average total loans | $20,954,000 | 6,379 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 5,073 |
| Cost of funding earning assets | 1.2260% | 614 |
| Net interest margin | 2.9060% | 6,350 |
| Noninterest income to average assets | 0.1868% | 6,178 |
| Noninterest expense to average assets | 2.1379% | 6,090 |
| Loan and lease loss provision to assets | 0.1073% | 4,226 |
| Net operating income to assets | 0.5048% | 4,826 |
| Return on assets (ROA) | 0.4927% | 5,140 |
| Pretax return on assets | 0.6477% | 5,020 |
| Return on Equity (ROE) | 3.6159% | 5,445 |
| Retained earnings to average equity (ytd only) | 3.6159% | 4,333 |
| Net charge-offs to loans | 0.2216% | 3,394 |
| Credit loss provision to net charge-offs | 77.1429% | 3,701 |
| Earnings coverage of net charge-offs (x) | 5.5423% | 2,998 |
| Efficiency ratio | 73.4973% | 3,070 |
| Assets per employee ($millions) | 5.7010% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 6,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 6,015 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 59.7673% | 3,826 |
| Net loans and leases to deposits | 69.3958% | 3,977 |
| Net loans and leases to core deposits | 73.5766% | 4,030 |
| Total domestic deposits to total assets | 86.1252% | 3,184 |
| Equity capital to assets | 13.5590% | 1,324 |
| Core capital (leverage) ratio | 13.4284% | 1,035 |
| Tier 1 risk-based capital ratio | 31.1448% | 476 |
| Total risk-based capital ratio | 32.2990% | 473 |
| Memoranda: | ||
| Average total assets | $33,553,000 | 6,747 |
| Average earning assets | $31,428,000 | 6,709 |
| Average equity | $4,572,250 | 6,499 |
| Average total loans | $21,062,000 | 6,460 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 5,108 |
| Cost of funding earning assets | 1.2443% | 667 |
| Net interest margin | 2.9119% | 6,410 |
| Noninterest income to average assets | 0.1500% | 6,446 |
| Noninterest expense to average assets | 2.1179% | 6,200 |
| Loan and lease loss provision to assets | 0.1200% | 4,027 |
| Net operating income to assets | 0.4740% | 4,935 |
| Return on assets (ROA) | 0.4740% | 5,186 |
| Pretax return on assets | 0.6360% | 5,005 |
| Return on Equity (ROE) | 3.4723% | 5,495 |
| Retained earnings to average equity (ytd only) | 3.4723% | 4,283 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6952% | 3,123 |
| Assets per employee ($millions) | 5.6427% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 6,418 |
| Loan loss allowance to noncurrent loans | 166.3866% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3515% | 5,894 |
| Noncurrent loans to loans | 0.5510% | 5,417 |
| Net loans and leases to total assets | 63.2089% | 3,199 |
| Net loans and leases to deposits | 73.3379% | 3,403 |
| Net loans and leases to core deposits | 76.6723% | 3,697 |
| Total domestic deposits to total assets | 86.1886% | 3,258 |
| Equity capital to assets | 13.5633% | 1,277 |
| Core capital (leverage) ratio | 13.5531% | 960 |
| Tier 1 risk-based capital ratio | 23.6373% | 1,059 |
| Total risk-based capital ratio | 24.6574% | 1,066 |
| Memoranda: | ||
| Average total assets | $33,335,330 | 6,799 |
| Average earning assets | $31,182,670 | 6,761 |
| Average equity | $4,550,330 | 6,531 |
| Average total loans | $21,211,330 | 6,503 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 5,302 |
| Cost of funding earning assets | 1.2559% | 759 |
| Net interest margin | 2.8873% | 6,505 |
| Noninterest income to average assets | 0.1693% | 6,367 |
| Noninterest expense to average assets | 2.2011% | 6,041 |
| Loan and lease loss provision to assets | 0.1088% | 3,993 |
| Net operating income to assets | 0.4233% | 5,150 |
| Return on assets (ROA) | 0.4233% | 5,342 |
| Pretax return on assets | 0.5563% | 5,252 |
| Return on Equity (ROE) | 3.0908% | 5,683 |
| Retained earnings to average equity (ytd only) | 3.0908% | 4,703 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7932% | 2,674 |
| Assets per employee ($millions) | 5.5542% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 6,574 |
| Loan loss allowance to noncurrent loans | 162.6087% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 6,021 |
| Noncurrent loans to loans | 0.5445% | 5,570 |
| Net loans and leases to total assets | 62.8177% | 3,086 |
| Net loans and leases to deposits | 72.9154% | 3,279 |
| Net loans and leases to core deposits | 75.5904% | 3,676 |
| Total domestic deposits to total assets | 86.1515% | 3,442 |
| Equity capital to assets | 13.6474% | 1,178 |
| Core capital (leverage) ratio | 13.5375% | 935 |
| Tier 1 risk-based capital ratio | 27.0165% | 731 |
| Total risk-based capital ratio | 28.1379% | 728 |
| Memoranda: | ||
| Average total assets | $33,075,000 | 6,863 |
| Average earning assets | $30,894,000 | 6,820 |
| Average equity | $4,529,500 | 6,571 |
| Average total loans | $21,018,000 | 6,562 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 5,879 |
| Cost of funding earning assets | 1.3956% | 1,057 |
| Net interest margin | 2.8665% | 6,743 |
| Noninterest income to average assets | 0.2152% | 5,984 |
| Noninterest expense to average assets | 2.3273% | 5,981 |
| Loan and lease loss provision to assets | 0.2682% | 3,533 |
| Net operating income to assets | 0.2417% | 5,454 |
| Return on assets (ROA) | 0.2417% | 5,600 |
| Pretax return on assets | 0.2648% | 5,645 |
| Return on Equity (ROE) | 1.6258% | 5,800 |
| Retained earnings to average equity (ytd only) | 1.6258% | 5,049 |
| Net charge-offs to loans | -0.1745% | 7,199 |
| Credit loss provision to net charge-offs | -238.2353% | 6,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3657% | 2,106 |
| Assets per employee ($millions) | 5.4708% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8511% | 6,643 |
| Loan loss allowance to noncurrent loans | 36.9295% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 1.4684% | 3,765 |
| Noncurrent loans to loans | 2.3046% | 2,851 |
| Net loans and leases to total assets | 63.1744% | 3,357 |
| Net loans and leases to deposits | 73.3741% | 3,604 |
| Net loans and leases to core deposits | 76.1047% | 3,966 |
| Total domestic deposits to total assets | 86.0990% | 3,262 |
| Equity capital to assets | 13.7426% | 1,154 |
| Core capital (leverage) ratio | 13.7373% | 885 |
| Tier 1 risk-based capital ratio | 31.8725% | 431 |
| Total risk-based capital ratio | 33.1236% | 421 |
| Memoranda: | ||
| Average total assets | $30,206,600 | 6,965 |
| Average earning assets | $27,873,600 | 6,929 |
| Average equity | $4,490,200 | 6,600 |
| Average total loans | $19,481,200 | 6,680 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 5,950 |
| Cost of funding earning assets | 1.4318% | 1,097 |
| Net interest margin | 2.8685% | 6,803 |
| Noninterest income to average assets | 0.2211% | 6,037 |
| Noninterest expense to average assets | 2.4318% | 5,686 |
| Loan and lease loss provision to assets | 0.1940% | 4,081 |
| Net operating income to assets | 0.2166% | 5,653 |
| Return on assets (ROA) | 0.2166% | 5,787 |
| Pretax return on assets | 0.2346% | 5,831 |
| Return on Equity (ROE) | 1.4270% | 5,970 |
| Retained earnings to average equity (ytd only) | 1.4270% | 5,438 |
| Net charge-offs to loans | -0.2370% | 7,281 |
| Credit loss provision to net charge-offs | -126.4706% | 6,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0158% | 1,636 |
| Assets per employee ($millions) | 5.1777% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6917% | 6,978 |
| Loan loss allowance to noncurrent loans | 40.6977% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 4,562 |
| Noncurrent loans to loans | 1.6996% | 3,759 |
| Net loans and leases to total assets | 64.7010% | 3,167 |
| Net loans and leases to deposits | 75.8147% | 3,353 |
| Net loans and leases to core deposits | 78.0583% | 3,905 |
| Total domestic deposits to total assets | 85.3409% | 3,590 |
| Equity capital to assets | 14.4660% | 1,004 |
| Core capital (leverage) ratio | 14.4384% | 784 |
| Tier 1 risk-based capital ratio | 27.7561% | 676 |
| Total risk-based capital ratio | 28.6227% | 690 |
| Memoranda: | ||
| Average total assets | $29,552,000 | 7,049 |
| Average earning assets | $27,191,250 | 7,016 |
| Average equity | $4,485,000 | 6,646 |
| Average total loans | $19,122,750 | 6,772 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 5,836 |
| Cost of funding earning assets | 1.4743% | 1,091 |
| Net interest margin | 2.8812% | 6,829 |
| Noninterest income to average assets | 0.2341% | 5,970 |
| Noninterest expense to average assets | 2.4512% | 5,703 |
| Loan and lease loss provision to assets | 0.1790% | 4,125 |
| Net operating income to assets | 0.2341% | 5,616 |
| Return on assets (ROA) | 0.2341% | 5,736 |
| Pretax return on assets | 0.2548% | 5,795 |
| Return on Equity (ROE) | 1.5172% | 5,930 |
| Retained earnings to average equity (ytd only) | 1.5172% | 5,223 |
| Net charge-offs to loans | -0.3627% | 7,363 |
| Credit loss provision to net charge-offs | -76.4706% | 6,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9642% | 1,708 |
| Assets per employee ($millions) | 4.8443% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6370% | 7,095 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 66.0084% | 3,028 |
| Net loans and leases to deposits | 78.2463% | 3,083 |
| Net loans and leases to core deposits | 79.0817% | 3,915 |
| Total domestic deposits to total assets | 84.3597% | 4,185 |
| Equity capital to assets | 15.4166% | 714 |
| Core capital (leverage) ratio | 15.3875% | 608 |
| Tier 1 risk-based capital ratio | 35.0364% | 345 |
| Total risk-based capital ratio | 36.0003% | 350 |
| Memoranda: | ||
| Average total assets | $29,047,330 | 7,132 |
| Average earning assets | $26,725,000 | 7,104 |
| Average equity | $4,482,000 | 6,684 |
| Average total loans | $18,750,330 | 6,849 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 5,866 |
| Cost of funding earning assets | 1.5440% | 1,007 |
| Net interest margin | 2.8032% | 6,902 |
| Noninterest income to average assets | 0.2204% | 6,158 |
| Noninterest expense to average assets | 2.5208% | 5,482 |
| Loan and lease loss provision to assets | 0.0827% | 4,966 |
| Net operating income to assets | 0.2204% | 5,715 |
| Return on assets (ROA) | 0.2204% | 5,779 |
| Pretax return on assets | 0.1929% | 5,956 |
| Return on Equity (ROE) | 1.4278% | 6,010 |
| Retained earnings to average equity (ytd only) | 1.4278% | 5,250 |
| Net charge-offs to loans | 0.2166% | 3,221 |
| Credit loss provision to net charge-offs | 60.0000% | 3,543 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,306 |
| Efficiency ratio | 90.1478% | 1,320 |
| Assets per employee ($millions) | 4.8522% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3163% | 7,396 |
| Loan loss allowance to noncurrent loans | 29.7980% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 5,589 |
| Noncurrent loans to loans | 1.0615% | 4,934 |
| Net loans and leases to total assets | 63.8684% | 3,455 |
| Net loans and leases to deposits | 75.5761% | 3,481 |
| Net loans and leases to core deposits | 80.4831% | 3,672 |
| Total domestic deposits to total assets | 84.5086% | 4,265 |
| Equity capital to assets | 15.3127% | 699 |
| Core capital (leverage) ratio | 15.2895% | 610 |
| Tier 1 risk-based capital ratio | 35.6085% | 333 |
| Total risk-based capital ratio | 36.0807% | 349 |
| Memoranda: | ||
| Average total assets | $29,038,000 | 7,180 |
| Average earning assets | $26,683,500 | 7,148 |
| Average equity | $4,482,500 | 6,715 |
| Average total loans | $18,471,000 | 6,911 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 6,380 |
| Cost of funding earning assets | 1.8328% | 1,053 |
| Net interest margin | 2.6762% | 7,139 |
| Noninterest income to average assets | 0.2910% | 5,703 |
| Noninterest expense to average assets | 2.3932% | 6,101 |
| Loan and lease loss provision to assets | 0.0691% | 6,457 |
| Net operating income to assets | 0.2837% | 4,985 |
| Return on assets (ROA) | -1.7131% | 6,996 |
| Pretax return on assets | -1.6985% | 6,926 |
| Return on Equity (ROE) | -10.5662% | 6,749 |
| Retained earnings to average equity (ytd only) | -10.5662% | 6,689 |
| Net charge-offs to loans | 0.1921% | 5,148 |
| Credit loss provision to net charge-offs | 55.8824% | 6,162 |
| Earnings coverage of net charge-offs (x) | 2.9706% | 3,586 |
| Efficiency ratio | 86.6930% | 1,600 |
| Assets per employee ($millions) | 4.8272% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3445% | 7,459 |
| Loan loss allowance to noncurrent loans | 34.4262% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 5,735 |
| Noncurrent loans to loans | 1.0006% | 5,061 |
| Net loans and leases to total assets | 62.9286% | 4,088 |
| Net loans and leases to deposits | 74.7028% | 4,082 |
| Net loans and leases to core deposits | 80.5178% | 4,132 |
| Total domestic deposits to total assets | 84.2385% | 4,256 |
| Equity capital to assets | 15.5612% | 669 |
| Core capital (leverage) ratio | 15.5204% | 578 |
| Tier 1 risk-based capital ratio | 35.6248% | 331 |
| Total risk-based capital ratio | 36.1243% | 345 |
| Memoranda: | ||
| Average total assets | $27,494,400 | 7,277 |
| Average earning assets | $25,371,400 | 7,248 |
| Average equity | $4,457,600 | 6,830 |
| Average total loans | $17,695,400 | 7,045 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 6,544 |
| Cost of funding earning assets | 1.8665% | 1,149 |
| Net interest margin | 2.6588% | 7,270 |
| Noninterest income to average assets | 0.3047% | 5,717 |
| Noninterest expense to average assets | 2.4231% | 5,960 |
| Loan and lease loss provision to assets | 0.0590% | 6,480 |
| Net operating income to assets | 0.2605% | 5,312 |
| Return on assets (ROA) | -2.4378% | 7,348 |
| Pretax return on assets | -2.4182% | 7,303 |
| Return on Equity (ROE) | -14.8770% | 7,100 |
| Retained earnings to average equity (ytd only) | -14.8770% | 7,073 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7224% | 1,474 |
| Assets per employee ($millions) | 4.6730% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4994% | 7,455 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 5,848 |
| Noncurrent loans to loans | 0.9989% | 5,237 |
| Net loans and leases to total assets | 63.9489% | 4,136 |
| Net loans and leases to deposits | 76.3824% | 4,111 |
| Net loans and leases to core deposits | 76.4019% | 5,002 |
| Total domestic deposits to total assets | 83.7221% | 4,263 |
| Equity capital to assets | 16.0247% | 669 |
| Core capital (leverage) ratio | 15.9827% | 568 |
| Tier 1 risk-based capital ratio | 36.1852% | 319 |
| Total risk-based capital ratio | 36.9123% | 326 |
| Memoranda: | ||
| Average total assets | $27,127,250 | 7,378 |
| Average earning assets | $25,073,000 | 7,347 |
| Average equity | $4,445,250 | 6,928 |
| Average total loans | $17,547,000 | 7,144 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 6,637 |
| Cost of funding earning assets | 1.8987% | 1,241 |
| Net interest margin | 2.6308% | 7,321 |
| Noninterest income to average assets | 0.3430% | 5,403 |
| Noninterest expense to average assets | 2.4680% | 5,847 |
| Loan and lease loss provision to assets | 0.0447% | 6,526 |
| Net operating income to assets | 0.2461% | 5,392 |
| Return on assets (ROA) | -3.8473% | 7,616 |
| Pretax return on assets | -3.8250% | 7,581 |
| Return on Equity (ROE) | -23.2992% | 7,341 |
| Retained earnings to average equity (ytd only) | -23.2992% | 7,326 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7399% | 1,445 |
| Assets per employee ($millions) | 4.6990% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4756% | 7,534 |
| Loan loss allowance to noncurrent loans | 163.4615% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 6,929 |
| Noncurrent loans to loans | 0.2910% | 6,651 |
| Net loans and leases to total assets | 63.0843% | 4,448 |
| Net loans and leases to deposits | 75.3006% | 4,464 |
| Net loans and leases to core deposits | 78.6469% | 4,850 |
| Total domestic deposits to total assets | 83.7767% | 4,210 |
| Equity capital to assets | 15.8154% | 703 |
| Core capital (leverage) ratio | 15.7826% | 594 |
| Tier 1 risk-based capital ratio | 36.1391% | 321 |
| Total risk-based capital ratio | 36.8297% | 327 |
| Memoranda: | ||
| Average total assets | $26,823,670 | 7,444 |
| Average earning assets | $24,859,670 | 7,406 |
| Average equity | $4,429,330 | 6,964 |
| Average total loans | $17,389,330 | 7,202 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 6,516 |
| Cost of funding earning assets | 1.9255% | 1,341 |
| Net interest margin | 2.6891% | 7,311 |
| Noninterest income to average assets | 0.3367% | 5,448 |
| Noninterest expense to average assets | 2.4638% | 5,861 |
| Loan and lease loss provision to assets | 0.0153% | 6,472 |
| Net operating income to assets | 0.2908% | 5,334 |
| Return on assets (ROA) | 0.2908% | 5,465 |
| Pretax return on assets | 0.3367% | 5,498 |
| Return on Equity (ROE) | 1.7216% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.7216% | 5,077 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5000% | 1,638 |
| Assets per employee ($millions) | 4.5148% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4558% | 7,632 |
| Loan loss allowance to noncurrent loans | 21.0667% | 6,956 |
| Noncurrent assets plus other real estate owned to assets | 1.3843% | 4,429 |
| Noncurrent loans to loans | 2.1638% | 3,576 |
| Net loans and leases to total assets | 63.6864% | 4,397 |
| Net loans and leases to deposits | 76.4716% | 4,326 |
| Net loans and leases to core deposits | 80.3166% | 4,726 |
| Total domestic deposits to total assets | 83.2810% | 4,484 |
| Equity capital to assets | 16.3314% | 627 |
| Core capital (leverage) ratio | 18.0260% | 372 |
| Tier 1 risk-based capital ratio | 40.9902% | 238 |
| Total risk-based capital ratio | 27.8477% | 716 |
| Memoranda: | ||
| Average total assets | $26,138,500 | 7,561 |
| Average earning assets | $24,097,500 | 7,530 |
| Average equity | $4,414,500 | 7,030 |
| Average total loans | $17,148,500 | 7,306 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1011% | 6,081 |
| Cost of funding earning assets | 1.9448% | 3,236 |
| Net interest margin | 3.1563% | 6,216 |
| Noninterest income to average assets | 0.2857% | 6,059 |
| Noninterest expense to average assets | 3.4074% | 2,651 |
| Loan and lease loss provision to assets | 0.0469% | 7,098 |
| Net operating income to assets | 0.1450% | 5,064 |
| Return on assets (ROA) | 0.1450% | 5,133 |
| Pretax return on assets | -0.2687% | 5,800 |
| Return on Equity (ROE) | 0.7662% | 5,303 |
| Retained earnings to average equity (ytd only) | 0.7662% | 4,473 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9612% | 874 |
| Assets per employee ($millions) | 4.1980% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4597% | 7,702 |
| Loan loss allowance to noncurrent loans | 31.4516% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9846% | 5,144 |
| Noncurrent loans to loans | 1.4617% | 4,480 |
| Net loans and leases to total assets | 67.0478% | 3,915 |
| Net loans and leases to deposits | 81.6792% | 3,668 |
| Net loans and leases to core deposits | 103.9325% | 3,581 |
| Total domestic deposits to total assets | 82.0867% | 4,910 |
| Equity capital to assets | 17.4885% | 505 |
| Core capital (leverage) ratio | 19.2831% | 325 |
| Tier 1 risk-based capital ratio | 39.8411% | 254 |
| Total risk-based capital ratio | 40.4670% | 262 |
| Memoranda: | ||
| Average total assets | $23,449,000 | 7,685 |
| Average earning assets | $21,544,200 | 7,661 |
| Average equity | $4,437,200 | 7,133 |
| Average total loans | $16,693,800 | 7,369 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2509% | 5,681 |
| Cost of funding earning assets | 1.9628% | 3,554 |
| Net interest margin | 3.2881% | 5,693 |
| Noninterest income to average assets | 0.2723% | 6,283 |
| Noninterest expense to average assets | 2.9720% | 4,157 |
| Loan and lease loss provision to assets | 0.0637% | 6,722 |
| Net operating income to assets | 0.2549% | 4,968 |
| Return on assets (ROA) | 0.2549% | 5,056 |
| Pretax return on assets | 0.2549% | 5,180 |
| Return on Equity (ROE) | 1.3198% | 5,402 |
| Retained earnings to average equity (ytd only) | 1.3198% | 4,584 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3169% | 1,661 |
| Assets per employee ($millions) | 3.4671% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4850% | 7,735 |
| Loan loss allowance to noncurrent loans | 55.9441% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 0.7458% | 5,638 |
| Noncurrent loans to loans | 0.8669% | 5,558 |
| Net loans and leases to total assets | 67.6391% | 4,040 |
| Net loans and leases to deposits | 83.4443% | 3,747 |
| Net loans and leases to core deposits | 102.3569% | 4,122 |
| Total domestic deposits to total assets | 81.0589% | 5,061 |
| Equity capital to assets | 18.2035% | 495 |
| Core capital (leverage) ratio | 20.0282% | 309 |
| Tier 1 risk-based capital ratio | 41.5337% | 257 |
| Total risk-based capital ratio | 42.2020% | 261 |
| Memoranda: | ||
| Average total assets | $23,014,250 | 7,771 |
| Average earning assets | $21,126,000 | 7,751 |
| Average equity | $4,445,250 | 7,203 |
| Average total loans | $16,625,750 | 7,440 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3167% | 5,582 |
| Cost of funding earning assets | 2.0070% | 3,738 |
| Net interest margin | 3.3096% | 5,520 |
| Noninterest income to average assets | 0.2832% | 6,238 |
| Noninterest expense to average assets | 2.6377% | 5,596 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5222% | 4,013 |
| Return on assets (ROA) | 0.5222% | 4,125 |
| Pretax return on assets | 0.6815% | 4,061 |
| Return on Equity (ROE) | 2.6491% | 5,035 |
| Retained earnings to average equity (ytd only) | 2.6491% | 3,855 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4667% | 3,131 |
| Assets per employee ($millions) | 3.3504% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4225% | 7,881 |
| Loan loss allowance to noncurrent loans | 23.7931% | 6,918 |
| Noncurrent assets plus other real estate owned to assets | 1.2365% | 4,471 |
| Noncurrent loans to loans | 1.7755% | 3,840 |
| Net loans and leases to total assets | 69.3472% | 3,866 |
| Net loans and leases to deposits | 86.1578% | 3,527 |
| Net loans and leases to core deposits | 98.3968% | 4,661 |
| Total domestic deposits to total assets | 80.4886% | 5,278 |
| Equity capital to assets | 18.6970% | 480 |
| Core capital (leverage) ratio | 20.7308% | 324 |
| Tier 1 risk-based capital ratio | 42.9285% | 254 |
| Total risk-based capital ratio | 43.5224% | 261 |
| Memoranda: | ||
| Average total assets | $22,595,670 | 7,862 |
| Average earning assets | $20,727,330 | 7,837 |
| Average equity | $4,454,330 | 7,255 |
| Average total loans | $16,669,000 | 7,502 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5947% | 4,394 |
| Cost of funding earning assets | 1.9897% | 4,185 |
| Net interest margin | 3.6050% | 4,297 |
| Noninterest income to average assets | 0.3068% | 5,988 |
| Noninterest expense to average assets | 2.5263% | 5,738 |
| Loan and lease loss provision to assets | 0.0180% | 6,651 |
| Net operating income to assets | 0.7940% | 3,155 |
| Return on assets (ROA) | 0.7940% | 3,319 |
| Pretax return on assets | 1.0646% | 3,127 |
| Return on Equity (ROE) | 3.9207% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.9207% | 3,712 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 4,576 |
| Assets per employee ($millions) | 3.2450% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4157% | 7,927 |
| Loan loss allowance to noncurrent loans | 24.6479% | 6,931 |
| Noncurrent assets plus other real estate owned to assets | 1.2503% | 4,180 |
| Noncurrent loans to loans | 1.6865% | 3,725 |
| Net loans and leases to total assets | 73.8279% | 2,798 |
| Net loans and leases to deposits | 91.9005% | 2,619 |
| Net loans and leases to core deposits | 103.4610% | 4,195 |
| Total domestic deposits to total assets | 80.3346% | 5,228 |
| Equity capital to assets | 19.1680% | 469 |
| Core capital (leverage) ratio | 21.3122% | 337 |
| Tier 1 risk-based capital ratio | 43.0525% | 279 |
| Total risk-based capital ratio | 43.6586% | 281 |
| Memoranda: | ||
| Average total assets | $22,167,000 | 7,922 |
| Average earning assets | $20,305,000 | 7,895 |
| Average equity | $4,489,000 | 7,291 |
| Average total loans | $16,837,000 | 7,543 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6884% | 6,813 |
| Cost of funding earning assets | 2.5073% | 4,169 |
| Net interest margin | 3.1811% | 6,425 |
| Noninterest income to average assets | 0.2534% | 6,633 |
| Noninterest expense to average assets | 2.6898% | 5,311 |
| Loan and lease loss provision to assets | 0.1067% | 6,012 |
| Net operating income to assets | 0.3690% | 5,273 |
| Return on assets (ROA) | 0.3690% | 5,080 |
| Pretax return on assets | 0.3957% | 5,267 |
| Return on Equity (ROE) | 1.7539% | 5,690 |
| Retained earnings to average equity (ytd only) | 1.7539% | 4,153 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2618% | 2,024 |
| Assets per employee ($millions) | 3.0884% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4099% | 7,964 |
| Loan loss allowance to noncurrent loans | 26.2357% | 6,928 |
| Noncurrent assets plus other real estate owned to assets | 1.2165% | 3,806 |
| Noncurrent loans to loans | 1.5623% | 3,445 |
| Net loans and leases to total assets | 77.5475% | 2,252 |
| Net loans and leases to deposits | 99.2717% | 1,951 |
| Net loans and leases to core deposits | 112.7514% | 3,480 |
| Total domestic deposits to total assets | 78.1165% | 5,672 |
| Equity capital to assets | 21.3886% | 381 |
| Core capital (leverage) ratio | 22.2287% | 330 |
| Tier 1 risk-based capital ratio | 42.3854% | 296 |
| Total risk-based capital ratio | 42.9788% | 298 |
| Memoranda: | ||
| Average total assets | $22,492,200 | 7,929 |
| Average earning assets | $20,779,000 | 7,901 |
| Average equity | $4,732,200 | 7,237 |
| Average total loans | $16,463,600 | 7,553 |