Home > Maple City Savings Bank, FSB > Performance and Condition Ratios
Maple City Savings Bank, FSB, 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 | 4.7067% | 2,666 |
| Cost of funding earning assets | 1.8771% | 1,112 |
| Net interest margin | 2.8296% | 3,605 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 3.3185% | 728 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | -0.0325% | 4,403 |
| Return on assets (ROA) | -0.0325% | 4,386 |
| Pretax return on assets | -0.0710% | 4,393 |
| Return on Equity (ROE) | -0.4400% | 4,366 |
| Retained earnings to average equity (ytd only) | -1.2533% | 4,210 |
| Net charge-offs to loans | 0.0352% | 1,607 |
| Credit loss provision to net charge-offs | 387.0968% | 799 |
| Earnings coverage of net charge-offs (x) | 1.1935% | 2,771 |
| Efficiency ratio | 96.9356% | 237 |
| Assets per employee ($millions) | 4.4971% | 3,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 3,677 |
| Loan loss allowance to noncurrent loans | 276.2215% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 1,948 |
| Noncurrent loans to loans | 0.3297% | 2,002 |
| Net loans and leases to total assets | 76.0000% | 1,116 |
| Net loans and leases to deposits | 88.2782% | 1,403 |
| Net loans and leases to core deposits | 111.1996% | 911 |
| Total domestic deposits to total assets | 86.0900% | 1,985 |
| Equity capital to assets | 7.7333% | 3,586 |
| Core capital (leverage) ratio | 8.7450% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9993% | 1,528 |
| Memoranda: | ||
| Average total assets | $116,891,400 | 3,686 |
| Average earning assets | $107,612,800 | 3,670 |
| Average equity | $8,696,800 | 3,857 |
| Average total loans | $88,115,000 | 3,318 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 2,673 |
| Cost of funding earning assets | 1.7521% | 1,093 |
| Net interest margin | 2.8505% | 3,640 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 3.2838% | 739 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.0012% | 4,373 |
| Return on assets (ROA) | 0.0012% | 4,395 |
| Pretax return on assets | 0.0012% | 4,383 |
| Return on Equity (ROE) | 0.0200% | 4,380 |
| Retained earnings to average equity (ytd only) | -0.6570% | 4,226 |
| Net charge-offs to loans | 0.0307% | 1,463 |
| Credit loss provision to net charge-offs | 450.0000% | 683 |
| Earnings coverage of net charge-offs (x) | 4.5500% | 2,392 |
| Efficiency ratio | 94.7995% | 255 |
| Assets per employee ($millions) | 4.2643% | 4,061 |
| Cash dividends to net income (ytd only)* | 4,300.0000% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 3,682 |
| Loan loss allowance to noncurrent loans | 163.1890% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 1,366 |
| Noncurrent loans to loans | 0.5610% | 1,428 |
| Net loans and leases to total assets | 75.1400% | 1,219 |
| Net loans and leases to deposits | 83.9335% | 1,743 |
| Net loans and leases to core deposits | 107.5638% | 956 |
| Total domestic deposits to total assets | 89.5300% | 1,060 |
| Equity capital to assets | 7.5461% | 3,329 |
| Core capital (leverage) ratio | 8.9893% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2004% | 1,505 |
| Memoranda: | ||
| Average total assets | $115,758,500 | 3,700 |
| Average earning assets | $106,457,500 | 3,694 |
| Average equity | $8,523,500 | 3,878 |
| Average total loans | $86,862,000 | 3,335 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5273% | 2,580 |
| Cost of funding earning assets | 1.6459% | 975 |
| Net interest margin | 2.8813% | 3,678 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 3.3751% | 624 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | -0.1100% | 4,517 |
| Return on assets (ROA) | -0.1100% | 4,502 |
| Pretax return on assets | -0.1100% | 4,491 |
| Return on Equity (ROE) | -1.5100% | 4,483 |
| Retained earnings to average equity (ytd only) | -1.8657% | 4,283 |
| Net charge-offs to loans | 0.0093% | 1,859 |
| Credit loss provision to net charge-offs | 1,500.0000% | 316 |
| Earnings coverage of net charge-offs (x) | -0.7500% | 4,610 |
| Efficiency ratio | 98.0311% | 197 |
| Assets per employee ($millions) | 3.6472% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 3,707 |
| Loan loss allowance to noncurrent loans | 174.1453% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 1,329 |
| Noncurrent loans to loans | 0.5301% | 1,407 |
| Net loans and leases to total assets | 74.9400% | 1,171 |
| Net loans and leases to deposits | 82.8284% | 1,772 |
| Net loans and leases to core deposits | 102.3293% | 1,117 |
| Total domestic deposits to total assets | 90.4800% | 786 |
| Equity capital to assets | 7.3729% | 3,594 |
| Core capital (leverage) ratio | 9.0303% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4062% | 1,453 |
| Memoranda: | ||
| Average total assets | $114,545,000 | 3,728 |
| Average earning assets | $105,229,000 | 3,724 |
| Average equity | $8,361,333 | 3,922 |
| Average total loans | $85,633,333 | 3,355 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 2,513 |
| Cost of funding earning assets | 1.4976% | 850 |
| Net interest margin | 2.9184% | 3,763 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 3.2540% | 741 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.0106% | 4,474 |
| Return on assets (ROA) | 0.0106% | 4,460 |
| Pretax return on assets | 0.0141% | 4,444 |
| Return on Equity (ROE) | 0.1500% | 4,441 |
| Retained earnings to average equity (ytd only) | -0.1942% | 4,052 |
| Net charge-offs to loans | 0.0047% | 1,794 |
| Credit loss provision to net charge-offs | 3,000.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,257 |
| Efficiency ratio | 94.2529% | 255 |
| Assets per employee ($millions) | 3.6116% | 4,385 |
| Cash dividends to net income (ytd only)* | 233.3333% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 3,790 |
| Loan loss allowance to noncurrent loans | 166.9492% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4084% | 1,265 |
| Noncurrent loans to loans | 0.5531% | 1,341 |
| Net loans and leases to total assets | 73.1600% | 1,302 |
| Net loans and leases to deposits | 81.5460% | 1,698 |
| Net loans and leases to core deposits | 101.7718% | 1,008 |
| Total domestic deposits to total assets | 89.7200% | 1,258 |
| Equity capital to assets | 7.2242% | 3,717 |
| Core capital (leverage) ratio | 8.5691% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7216% | 1,711 |
| Memoranda: | ||
| Average total assets | $113,462,000 | 3,787 |
| Average earning assets | $104,166,000 | 3,785 |
| Average equity | $8,239,500 | 3,978 |
| Average total loans | $84,309,500 | 3,412 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 1,063 |
| Cost of funding earning assets | 0.6952% | 595 |
| Net interest margin | 3.5994% | 1,645 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 3.3697% | 565 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.4594% | 4,156 |
| Return on assets (ROA) | 0.4594% | 4,114 |
| Pretax return on assets | 0.6762% | 3,901 |
| Return on Equity (ROE) | 5.9900% | 3,827 |
| Retained earnings to average equity (ytd only) | 5.6314% | 2,774 |
| Net charge-offs to loans | 0.0226% | 1,609 |
| Credit loss provision to net charge-offs | 666.6667% | 555 |
| Earnings coverage of net charge-offs (x) | 47.2222% | 1,397 |
| Efficiency ratio | 79.2112% | 775 |
| Assets per employee ($millions) | 3.5921% | 4,420 |
| Cash dividends to net income (ytd only)* | 6.0484% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 3,724 |
| Loan loss allowance to noncurrent loans | 159.4538% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4275% | 1,199 |
| Noncurrent loans to loans | 0.5716% | 1,301 |
| Net loans and leases to total assets | 74.1100% | 1,207 |
| Net loans and leases to deposits | 81.5570% | 1,652 |
| Net loans and leases to core deposits | 101.8941% | 903 |
| Total domestic deposits to total assets | 90.8700% | 1,005 |
| Equity capital to assets | 7.3010% | 3,488 |
| Core capital (leverage) ratio | 8.8051% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8773% | 1,669 |
| Memoranda: | ||
| Average total assets | $107,963,000 | 3,855 |
| Average earning assets | $99,545,000 | 3,842 |
| Average equity | $8,275,000 | 4,068 |
| Average total loans | $79,482,200 | 3,424 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 825 |
| Cost of funding earning assets | 0.5835% | 474 |
| Net interest margin | 3.6563% | 1,253 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 3.3259% | 572 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.6161% | 3,800 |
| Return on assets (ROA) | 0.6161% | 3,755 |
| Pretax return on assets | 0.7804% | 3,630 |
| Return on Equity (ROE) | 7.9400% | 3,352 |
| Retained earnings to average equity (ytd only) | 7.5719% | 2,157 |
| Net charge-offs to loans | 0.0306% | 1,224 |
| Credit loss provision to net charge-offs | 500.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 39.8333% | 1,391 |
| Efficiency ratio | 77.0139% | 999 |
| Assets per employee ($millions) | 3.3457% | 4,514 |
| Cash dividends to net income (ytd only)* | 4.6465% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 3,864 |
| Loan loss allowance to noncurrent loans | 154.1226% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 1,224 |
| Noncurrent loans to loans | 0.5820% | 1,380 |
| Net loans and leases to total assets | 75.2300% | 994 |
| Net loans and leases to deposits | 82.7654% | 1,378 |
| Net loans and leases to core deposits | 95.7749% | 1,014 |
| Total domestic deposits to total assets | 90.8900% | 1,283 |
| Equity capital to assets | 7.1070% | 3,454 |
| Core capital (leverage) ratio | 8.8524% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4157% | 1,597 |
| Memoranda: | ||
| Average total assets | $107,115,250 | 3,882 |
| Average earning assets | $98,933,000 | 3,869 |
| Average equity | $8,311,250 | 4,110 |
| Average total loans | $78,532,750 | 3,445 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 736 |
| Cost of funding earning assets | 0.5638% | 360 |
| Net interest margin | 3.5606% | 1,155 |
| Noninterest income to average assets | 0.7523% | 1,167 |
| Noninterest expense to average assets | 3.3678% | 498 |
| Loan and lease loss provision to assets | 0.1120% | 894 |
| Net operating income to assets | 0.4443% | 4,013 |
| Return on assets (ROA) | 0.4443% | 3,965 |
| Pretax return on assets | 0.5619% | 3,898 |
| Return on Equity (ROE) | 5.5703% | 3,685 |
| Retained earnings to average equity (ytd only) | 5.2192% | 2,626 |
| Net charge-offs to loans | 0.0103% | 1,600 |
| Credit loss provision to net charge-offs | 1,500.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 90.2500% | 865 |
| Efficiency ratio | 81.4319% | 841 |
| Assets per employee ($millions) | 3.7621% | 4,469 |
| Cash dividends to net income (ytd only)* | 6.3025% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 3,961 |
| Loan loss allowance to noncurrent loans | 144.0404% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 1,246 |
| Noncurrent loans to loans | 0.6223% | 1,362 |
| Net loans and leases to total assets | 72.2557% | 1,080 |
| Net loans and leases to deposits | 79.4836% | 1,423 |
| Net loans and leases to core deposits | 87.7978% | 1,234 |
| Total domestic deposits to total assets | 90.9065% | 1,274 |
| Equity capital to assets | 7.3419% | 3,573 |
| Core capital (leverage) ratio | 8.5748% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2979% | 1,630 |
| Memoranda: | ||
| Average total assets | $107,132,667 | 3,927 |
| Average earning assets | $98,971,000 | 3,922 |
| Average equity | $8,545,333 | 4,148 |
| Average total loans | $77,621,000 | 3,493 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 505 |
| Cost of funding earning assets | 0.5678% | 325 |
| Net interest margin | 3.6439% | 829 |
| Noninterest income to average assets | 0.7838% | 1,081 |
| Noninterest expense to average assets | 3.2935% | 535 |
| Loan and lease loss provision to assets | 0.1130% | 738 |
| Net operating income to assets | 0.5841% | 3,450 |
| Return on assets (ROA) | 0.5841% | 3,432 |
| Pretax return on assets | 0.7386% | 3,281 |
| Return on Equity (ROE) | 7.0351% | 3,028 |
| Retained earnings to average equity (ytd only) | 6.6720% | 2,002 |
| Net charge-offs to loans | 0.0157% | 1,227 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 75.3333% | 771 |
| Efficiency ratio | 77.5455% | 1,353 |
| Assets per employee ($millions) | 3.7314% | 4,493 |
| Cash dividends to net income (ytd only)* | 5.1613% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 4,069 |
| Loan loss allowance to noncurrent loans | 214.4201% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 1,942 |
| Noncurrent loans to loans | 0.4151% | 2,006 |
| Net loans and leases to total assets | 70.3896% | 981 |
| Net loans and leases to deposits | 79.5160% | 1,181 |
| Net loans and leases to core deposits | 85.2528% | 1,171 |
| Total domestic deposits to total assets | 88.5225% | 2,289 |
| Equity capital to assets | 7.7810% | 3,744 |
| Core capital (leverage) ratio | 8.5511% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4722% | 1,650 |
| Memoranda: | ||
| Average total assets | $106,149,000 | 3,955 |
| Average earning assets | $97,916,000 | 3,950 |
| Average equity | $8,813,000 | 4,174 |
| Average total loans | $76,659,500 | 3,514 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 572 |
| Cost of funding earning assets | 0.6742% | 361 |
| Net interest margin | 3.8609% | 900 |
| Noninterest income to average assets | 1.0912% | 866 |
| Noninterest expense to average assets | 3.4059% | 536 |
| Loan and lease loss provision to assets | 0.0822% | 1,493 |
| Net operating income to assets | 0.9407% | 2,903 |
| Return on assets (ROA) | 0.9407% | 2,971 |
| Pretax return on assets | 1.1754% | 2,747 |
| Return on Equity (ROE) | 9.9847% | 2,526 |
| Retained earnings to average equity (ytd only) | 9.3992% | 1,068 |
| Net charge-offs to loans | -0.1015% | 4,588 |
| Credit loss provision to net charge-offs | -107.8947% | 3,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2473% | 1,588 |
| Assets per employee ($millions) | 3.4695% | 4,592 |
| Cash dividends to net income (ytd only)* | 5.8635% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 4,159 |
| Loan loss allowance to noncurrent loans | 93.9914% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 963 |
| Noncurrent loans to loans | 0.9141% | 1,108 |
| Net loans and leases to total assets | 72.8321% | 774 |
| Net loans and leases to deposits | 83.2780% | 964 |
| Net loans and leases to core deposits | 88.4089% | 1,051 |
| Total domestic deposits to total assets | 87.4565% | 2,310 |
| Equity capital to assets | 8.8446% | 3,767 |
| Core capital (leverage) ratio | 8.6708% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2269% | 1,766 |
| Memoranda: | ||
| Average total assets | $99,709,000 | 3,992 |
| Average earning assets | $92,259,400 | 3,992 |
| Average equity | $9,394,400 | 4,204 |
| Average total loans | $74,903,600 | 3,563 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5948% | 578 |
| Cost of funding earning assets | 0.7050% | 374 |
| Net interest margin | 3.8898% | 955 |
| Noninterest income to average assets | 1.8712% | 378 |
| Noninterest expense to average assets | 3.3030% | 595 |
| Loan and lease loss provision to assets | 0.0700% | 1,613 |
| Net operating income to assets | 1.9794% | 480 |
| Return on assets (ROA) | 1.9794% | 508 |
| Pretax return on assets | 2.1011% | 670 |
| Return on Equity (ROE) | 20.6742% | 381 |
| Retained earnings to average equity (ytd only) | 20.0952% | 128 |
| Net charge-offs to loans | -0.1360% | 4,709 |
| Credit loss provision to net charge-offs | -68.4211% | 3,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8046% | 3,155 |
| Assets per employee ($millions) | 3.5601% | 4,618 |
| Cash dividends to net income (ytd only)* | 2.8005% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 4,299 |
| Loan loss allowance to noncurrent loans | 85.5389% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 1,041 |
| Noncurrent loans to loans | 0.9755% | 1,181 |
| Net loans and leases to total assets | 72.1698% | 861 |
| Net loans and leases to deposits | 83.7786% | 974 |
| Net loans and leases to core deposits | 86.7426% | 1,235 |
| Total domestic deposits to total assets | 86.1435% | 2,693 |
| Equity capital to assets | 9.5938% | 3,293 |
| Core capital (leverage) ratio | 9.3647% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1401% | 1,582 |
| Memoranda: | ||
| Average total assets | $98,614,750 | 4,049 |
| Average earning assets | $91,347,000 | 4,047 |
| Average equity | $9,441,500 | 4,261 |
| Average total loans | $74,513,250 | 3,618 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4926% | 731 |
| Cost of funding earning assets | 0.7691% | 334 |
| Net interest margin | 3.7234% | 1,289 |
| Noninterest income to average assets | 2.3508% | 267 |
| Noninterest expense to average assets | 3.2533% | 660 |
| Loan and lease loss provision to assets | 0.0453% | 2,107 |
| Net operating income to assets | 2.3797% | 255 |
| Return on assets (ROA) | 2.3797% | 276 |
| Pretax return on assets | 2.5033% | 354 |
| Return on Equity (ROE) | 24.8735% | 198 |
| Retained earnings to average equity (ytd only) | 24.2705% | 80 |
| Net charge-offs to loans | -0.2180% | 4,804 |
| Credit loss provision to net charge-offs | -27.1605% | 2,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6165% | 3,729 |
| Assets per employee ($millions) | 3.5502% | 4,653 |
| Cash dividends to net income (ytd only)* | 2.4242% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8029% | 4,362 |
| Loan loss allowance to noncurrent loans | 104.6957% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 1,315 |
| Noncurrent loans to loans | 0.7669% | 1,570 |
| Net loans and leases to total assets | 74.8174% | 690 |
| Net loans and leases to deposits | 87.9706% | 776 |
| Net loans and leases to core deposits | 91.5236% | 1,039 |
| Total domestic deposits to total assets | 85.0482% | 3,076 |
| Equity capital to assets | 9.7358% | 3,108 |
| Core capital (leverage) ratio | 9.2464% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9482% | 1,647 |
| Memoranda: | ||
| Average total assets | $97,071,667 | 4,095 |
| Average earning assets | $89,970,333 | 4,087 |
| Average equity | $9,287,000 | 4,293 |
| Average total loans | $74,305,000 | 3,646 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5678% | 703 |
| Cost of funding earning assets | 0.8122% | 327 |
| Net interest margin | 3.7557% | 1,226 |
| Noninterest income to average assets | 3.8121% | 155 |
| Noninterest expense to average assets | 3.2407% | 665 |
| Loan and lease loss provision to assets | -0.0334% | 4,623 |
| Net operating income to assets | 3.9706% | 82 |
| Return on assets (ROA) | 3.9706% | 84 |
| Pretax return on assets | 4.0957% | 98 |
| Return on Equity (ROE) | 41.8853% | 59 |
| Retained earnings to average equity (ytd only) | 41.2693% | 35 |
| Net charge-offs to loans | -0.2217% | 4,802 |
| Credit loss provision to net charge-offs | 19.5122% | 1,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1753% | 4,621 |
| Assets per employee ($millions) | 3.8286% | 4,569 |
| Cash dividends to net income (ytd only)* | 1.4706% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 4,555 |
| Loan loss allowance to noncurrent loans | 96.0289% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 1,380 |
| Noncurrent loans to loans | 0.7398% | 1,753 |
| Net loans and leases to total assets | 74.6906% | 748 |
| Net loans and leases to deposits | 89.0291% | 762 |
| Net loans and leases to core deposits | 95.6282% | 900 |
| Total domestic deposits to total assets | 83.8946% | 3,471 |
| Equity capital to assets | 9.3386% | 3,345 |
| Core capital (leverage) ratio | 9.4750% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9693% | 1,578 |
| Memoranda: | ||
| Average total assets | $95,904,500 | 4,120 |
| Average earning assets | $89,145,000 | 4,109 |
| Average equity | $9,091,500 | 4,322 |
| Average total loans | $73,970,000 | 3,670 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 449 |
| Cost of funding earning assets | 1.0836% | 429 |
| Net interest margin | 3.9597% | 1,060 |
| Noninterest income to average assets | 0.7622% | 1,648 |
| Noninterest expense to average assets | 3.4241% | 769 |
| Loan and lease loss provision to assets | 0.0919% | 3,201 |
| Net operating income to assets | 0.7469% | 3,273 |
| Return on assets (ROA) | 0.7469% | 3,397 |
| Pretax return on assets | 0.9547% | 3,203 |
| Return on Equity (ROE) | 8.0193% | 2,813 |
| Retained earnings to average equity (ytd only) | 7.3735% | 1,246 |
| Net charge-offs to loans | 0.0806% | 1,668 |
| Credit loss provision to net charge-offs | 137.7049% | 2,500 |
| Earnings coverage of net charge-offs (x) | 15.6885% | 2,164 |
| Efficiency ratio | 74.5597% | 1,381 |
| Assets per employee ($millions) | 3.4172% | 4,682 |
| Cash dividends to net income (ytd only)* | 8.0527% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6830% | 4,608 |
| Loan loss allowance to noncurrent loans | 228.8991% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 2,278 |
| Noncurrent loans to loans | 0.2984% | 3,127 |
| Net loans and leases to total assets | 78.6420% | 535 |
| Net loans and leases to deposits | 95.3156% | 583 |
| Net loans and leases to core deposits | 103.0946% | 767 |
| Total domestic deposits to total assets | 82.5069% | 3,531 |
| Equity capital to assets | 9.6320% | 3,472 |
| Core capital (leverage) ratio | 8.6186% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5570% | 2,028 |
| Memoranda: | ||
| Average total assets | $91,440,200 | 4,104 |
| Average earning assets | $85,637,800 | 4,080 |
| Average equity | $8,517,000 | 4,369 |
| Average total loans | $75,712,000 | 3,627 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 771 |
| Cost of funding earning assets | 1.1482% | 442 |
| Net interest margin | 3.7280% | 1,848 |
| Noninterest income to average assets | 0.7468% | 1,657 |
| Noninterest expense to average assets | 3.3115% | 894 |
| Loan and lease loss provision to assets | 0.0789% | 3,330 |
| Net operating income to assets | 0.7351% | 3,337 |
| Return on assets (ROA) | 0.7351% | 3,440 |
| Pretax return on assets | 0.8535% | 3,507 |
| Return on Equity (ROE) | 7.9607% | 2,820 |
| Retained earnings to average equity (ytd only) | 7.3118% | 1,581 |
| Net charge-offs to loans | 0.1013% | 1,300 |
| Credit loss provision to net charge-offs | 93.1034% | 2,683 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,323 |
| Efficiency ratio | 75.8953% | 1,213 |
| Assets per employee ($millions) | 3.4791% | 4,675 |
| Cash dividends to net income (ytd only)* | 8.1511% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6240% | 4,693 |
| Loan loss allowance to noncurrent loans | 73.0650% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 1,690 |
| Noncurrent loans to loans | 0.8540% | 1,732 |
| Net loans and leases to total assets | 80.0255% | 613 |
| Net loans and leases to deposits | 95.8631% | 769 |
| Net loans and leases to core deposits | 105.2682% | 874 |
| Total domestic deposits to total assets | 83.4790% | 2,997 |
| Equity capital to assets | 9.2734% | 3,880 |
| Core capital (leverage) ratio | 8.3264% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6817% | 1,933 |
| Memoranda: | ||
| Average total assets | $91,234,000 | 4,112 |
| Average earning assets | $85,584,500 | 4,091 |
| Average equity | $8,424,500 | 4,400 |
| Average total loans | $76,375,500 | 3,633 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 994 |
| Cost of funding earning assets | 1.1682% | 566 |
| Net interest margin | 3.7217% | 2,085 |
| Noninterest income to average assets | 0.7572% | 1,558 |
| Noninterest expense to average assets | 3.3122% | 978 |
| Loan and lease loss provision to assets | 0.0531% | 3,639 |
| Net operating income to assets | 0.7660% | 3,172 |
| Return on assets (ROA) | 0.7660% | 3,280 |
| Pretax return on assets | 0.8834% | 3,359 |
| Return on Equity (ROE) | 8.3083% | 2,631 |
| Retained earnings to average equity (ytd only) | 7.6360% | 1,422 |
| Net charge-offs to loans | 0.1592% | 930 |
| Credit loss provision to net charge-offs | 39.3443% | 2,671 |
| Earnings coverage of net charge-offs (x) | 6.9344% | 2,406 |
| Efficiency ratio | 75.8207% | 1,285 |
| Assets per employee ($millions) | 3.6751% | 4,568 |
| Cash dividends to net income (ytd only)* | 8.0925% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5749% | 4,769 |
| Loan loss allowance to noncurrent loans | 53.0193% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 0.9346% | 1,311 |
| Noncurrent loans to loans | 1.0843% | 1,440 |
| Net loans and leases to total assets | 79.4594% | 659 |
| Net loans and leases to deposits | 94.2980% | 931 |
| Net loans and leases to core deposits | 106.4344% | 876 |
| Total domestic deposits to total assets | 84.2641% | 2,656 |
| Equity capital to assets | 8.9250% | 4,150 |
| Core capital (leverage) ratio | 8.3677% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6571% | 1,939 |
| Memoranda: | ||
| Average total assets | $90,333,667 | 4,125 |
| Average earning assets | $84,746,333 | 4,102 |
| Average equity | $8,329,000 | 4,428 |
| Average total loans | $76,619,333 | 3,636 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 879 |
| Cost of funding earning assets | 1.2103% | 750 |
| Net interest margin | 3.8398% | 1,847 |
| Noninterest income to average assets | 0.8709% | 1,129 |
| Noninterest expense to average assets | 3.5885% | 820 |
| Loan and lease loss provision to assets | 0.0274% | 3,446 |
| Net operating income to assets | 0.7387% | 3,142 |
| Return on assets (ROA) | 0.7387% | 3,222 |
| Pretax return on assets | 0.8572% | 3,262 |
| Return on Equity (ROE) | 7.8741% | 2,569 |
| Retained earnings to average equity (ytd only) | 7.1936% | 1,473 |
| Net charge-offs to loans | -0.0156% | 4,237 |
| Credit loss provision to net charge-offs | -200.0000% | 3,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0836% | 1,322 |
| Assets per employee ($millions) | 3.1751% | 4,703 |
| Cash dividends to net income (ytd only)* | 8.6420% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6339% | 4,712 |
| Loan loss allowance to noncurrent loans | 48.0198% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.2092% | 1,023 |
| Noncurrent loans to loans | 1.3202% | 1,235 |
| Net loans and leases to total assets | 85.5101% | 169 |
| Net loans and leases to deposits | 102.3893% | 436 |
| Net loans and leases to core deposits | 118.6049% | 511 |
| Total domestic deposits to total assets | 83.5146% | 2,942 |
| Equity capital to assets | 9.3641% | 4,343 |
| Core capital (leverage) ratio | 8.6972% | 4,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4704% | 2,087 |
| Memoranda: | ||
| Average total assets | $87,724,500 | 4,160 |
| Average earning assets | $82,296,000 | 4,136 |
| Average equity | $8,229,500 | 4,465 |
| Average total loans | $76,747,000 | 3,631 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0358% | 1,382 |
| Cost of funding earning assets | 1.1113% | 1,280 |
| Net interest margin | 3.9245% | 2,092 |
| Noninterest income to average assets | 0.7616% | 1,581 |
| Noninterest expense to average assets | 3.4629% | 1,013 |
| Loan and lease loss provision to assets | 0.0850% | 2,302 |
| Net operating income to assets | 0.7179% | 3,810 |
| Return on assets (ROA) | 0.7179% | 3,873 |
| Pretax return on assets | 0.9025% | 3,738 |
| Return on Equity (ROE) | 7.4574% | 3,385 |
| Retained earnings to average equity (ytd only) | 6.7634% | 1,499 |
| Net charge-offs to loans | 0.2266% | 901 |
| Credit loss provision to net charge-offs | 42.1687% | 3,189 |
| Earnings coverage of net charge-offs (x) | 4.8976% | 3,155 |
| Efficiency ratio | 76.1190% | 1,348 |
| Assets per employee ($millions) | 3.0909% | 4,771 |
| Cash dividends to net income (ytd only)* | 9.3063% | 3,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6183% | 4,711 |
| Loan loss allowance to noncurrent loans | 38.8571% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.4154% | 739 |
| Noncurrent loans to loans | 1.5912% | 886 |
| Net loans and leases to total assets | 88.4062% | 77 |
| Net loans and leases to deposits | 106.1649% | 293 |
| Net loans and leases to core deposits | 126.6315% | 333 |
| Total domestic deposits to total assets | 83.2725% | 3,113 |
| Equity capital to assets | 9.3985% | 4,429 |
| Core capital (leverage) ratio | 8.5734% | 4,801 |
| Tier 1 risk-based capital ratio | 13.3661% | 3,597 |
| Total risk-based capital ratio | 14.2359% | 3,673 |
| Memoranda: | ||
| Average total assets | $82,328,800 | 4,251 |
| Average earning assets | $77,385,200 | 4,223 |
| Average equity | $7,925,000 | 4,517 |
| Average total loans | $73,260,400 | 3,713 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9533% | 1,669 |
| Cost of funding earning assets | 1.0695% | 1,472 |
| Net interest margin | 3.8837% | 2,318 |
| Noninterest income to average assets | 0.7431% | 1,617 |
| Noninterest expense to average assets | 3.3121% | 1,241 |
| Loan and lease loss provision to assets | 0.1148% | 1,695 |
| Net operating income to assets | 0.8449% | 3,532 |
| Return on assets (ROA) | 0.8449% | 3,618 |
| Pretax return on assets | 0.9679% | 3,691 |
| Return on Equity (ROE) | 8.7219% | 2,997 |
| Retained earnings to average equity (ytd only) | 8.0274% | 1,381 |
| Net charge-offs to loans | -0.1419% | 5,059 |
| Credit loss provision to net charge-offs | -90.9091% | 4,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8335% | 1,594 |
| Assets per employee ($millions) | 2.9042% | 4,935 |
| Cash dividends to net income (ytd only)* | 7.9618% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 3,845 |
| Loan loss allowance to noncurrent loans | 34.9538% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 2.4424% | 288 |
| Noncurrent loans to loans | 2.7046% | 398 |
| Net loans and leases to total assets | 89.4516% | 52 |
| Net loans and leases to deposits | 108.7020% | 247 |
| Net loans and leases to core deposits | 124.3431% | 404 |
| Total domestic deposits to total assets | 82.2906% | 3,389 |
| Equity capital to assets | 9.5855% | 4,403 |
| Core capital (leverage) ratio | 8.7374% | 4,806 |
| Tier 1 risk-based capital ratio | 13.4742% | 3,582 |
| Total risk-based capital ratio | 14.7243% | 3,496 |
| Memoranda: | ||
| Average total assets | $81,274,500 | 4,320 |
| Average earning assets | $76,419,250 | 4,290 |
| Average equity | $7,872,750 | 4,575 |
| Average total loans | $72,328,500 | 3,771 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8218% | 1,993 |
| Cost of funding earning assets | 1.0342% | 1,558 |
| Net interest margin | 3.7876% | 2,617 |
| Noninterest income to average assets | 0.6551% | 1,894 |
| Noninterest expense to average assets | 3.0364% | 1,899 |
| Loan and lease loss provision to assets | 0.1495% | 1,226 |
| Net operating income to assets | 0.9167% | 3,217 |
| Return on assets (ROA) | 0.9167% | 3,277 |
| Pretax return on assets | 1.0362% | 3,426 |
| Return on Equity (ROE) | 9.4286% | 2,668 |
| Retained earnings to average equity (ytd only) | 8.7112% | 1,125 |
| Net charge-offs to loans | -0.2645% | 5,169 |
| Credit loss provision to net charge-offs | -63.8298% | 3,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6785% | 2,124 |
| Assets per employee ($millions) | 2.9765% | 4,921 |
| Cash dividends to net income (ytd only)* | 7.6087% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,711 |
| Loan loss allowance to noncurrent loans | 45.4887% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.9150% | 497 |
| Noncurrent loans to loans | 2.1654% | 630 |
| Net loans and leases to total assets | 87.5622% | 131 |
| Net loans and leases to deposits | 104.8068% | 389 |
| Net loans and leases to core deposits | 117.8379% | 611 |
| Total domestic deposits to total assets | 83.5463% | 3,031 |
| Equity capital to assets | 9.5245% | 4,384 |
| Core capital (leverage) ratio | 8.9221% | 4,696 |
| Tier 1 risk-based capital ratio | 13.6738% | 3,496 |
| Total risk-based capital ratio | 14.9239% | 3,391 |
| Memoranda: | ||
| Average total assets | $80,292,330 | 4,369 |
| Average earning assets | $75,614,670 | 4,339 |
| Average equity | $7,806,000 | 4,609 |
| Average total loans | $71,086,000 | 3,816 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8532% | 1,754 |
| Cost of funding earning assets | 1.0169% | 1,497 |
| Net interest margin | 3.8363% | 2,392 |
| Noninterest income to average assets | 0.3453% | 3,549 |
| Noninterest expense to average assets | 2.4426% | 3,649 |
| Loan and lease loss provision to assets | 0.1523% | 1,104 |
| Net operating income to assets | 1.2493% | 1,896 |
| Return on assets (ROA) | 1.2493% | 1,939 |
| Pretax return on assets | 1.3711% | 2,187 |
| Return on Equity (ROE) | 12.7132% | 1,321 |
| Retained earnings to average equity (ytd only) | 11.9897% | 611 |
| Net charge-offs to loans | 0.0459% | 1,621 |
| Credit loss provision to net charge-offs | 375.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 1,198 |
| Efficiency ratio | 61.5877% | 3,597 |
| Assets per employee ($millions) | 3.1256% | 4,895 |
| Cash dividends to net income (ytd only)* | 5.6911% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 4,355 |
| Loan loss allowance to noncurrent loans | 51.5178% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.4756% | 817 |
| Noncurrent loans to loans | 1.6453% | 954 |
| Net loans and leases to total assets | 88.9261% | 69 |
| Net loans and leases to deposits | 99.3836% | 676 |
| Net loans and leases to core deposits | 115.5366% | 661 |
| Total domestic deposits to total assets | 89.4777% | 652 |
| Equity capital to assets | 10.0142% | 3,809 |
| Core capital (leverage) ratio | 10.0266% | 3,575 |
| Tier 1 risk-based capital ratio | 15.8294% | 2,518 |
| Total risk-based capital ratio | 17.0390% | 2,464 |
| Memoranda: | ||
| Average total assets | $78,767,000 | 4,436 |
| Average earning assets | $74,342,000 | 4,407 |
| Average equity | $7,740,000 | 4,648 |
| Average total loans | $69,777,500 | 3,867 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8249% | 1,483 |
| Cost of funding earning assets | 0.8586% | 1,268 |
| Net interest margin | 3.9663% | 2,105 |
| Noninterest income to average assets | 0.4286% | 3,252 |
| Noninterest expense to average assets | 5.2284% | 179 |
| Loan and lease loss provision to assets | 0.0989% | 2,207 |
| Net operating income to assets | -0.9033% | 5,337 |
| Return on assets (ROA) | -0.9033% | 5,331 |
| Pretax return on assets | -1.1525% | 5,340 |
| Return on Equity (ROE) | -9.2528% | 5,345 |
| Retained earnings to average equity (ytd only) | -9.2528% | 5,313 |
| Net charge-offs to loans | 0.0148% | 3,187 |
| Credit loss provision to net charge-offs | 750.0000% | 478 |
| Earnings coverage of net charge-offs (x) | -79.9000% | 3,775 |
| Efficiency ratio | 125.2369% | 49 |
| Assets per employee ($millions) | 3.3081% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 4,450 |
| Loan loss allowance to noncurrent loans | 56.9154% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.2658% | 1,015 |
| Noncurrent loans to loans | 1.4466% | 1,068 |
| Net loans and leases to total assets | 86.7851% | 186 |
| Net loans and leases to deposits | 98.3752% | 862 |
| Net loans and leases to core deposits | 113.3497% | 807 |
| Total domestic deposits to total assets | 88.2184% | 1,203 |
| Equity capital to assets | 9.6417% | 4,013 |
| Core capital (leverage) ratio | 9.8016% | 3,793 |
| Tier 1 risk-based capital ratio | 15.4306% | 2,652 |
| Total risk-based capital ratio | 16.6009% | 2,601 |
| Memoranda: | ||
| Average total assets | $75,835,200 | 4,502 |
| Average earning assets | $71,627,800 | 4,464 |
| Average equity | $7,403,200 | 4,688 |
| Average total loans | $67,429,600 | 3,926 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8165% | 1,382 |
| Cost of funding earning assets | 0.8119% | 1,280 |
| Net interest margin | 4.0047% | 1,941 |
| Noninterest income to average assets | 0.4181% | 3,369 |
| Noninterest expense to average assets | 3.6097% | 847 |
| Loan and lease loss provision to assets | 0.1067% | 1,873 |
| Net operating income to assets | 0.4145% | 4,925 |
| Return on assets (ROA) | 0.4145% | 4,932 |
| Pretax return on assets | 0.4839% | 4,924 |
| Return on Equity (ROE) | 4.2323% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.2323% | 3,657 |
| Net charge-offs to loans | 0.0199% | 2,743 |
| Credit loss provision to net charge-offs | 600.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 33.2078% | 1,521 |
| Efficiency ratio | 85.9382% | 521 |
| Assets per employee ($millions) | 3.4590% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 4,572 |
| Loan loss allowance to noncurrent loans | 65.8392% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.1117% | 1,288 |
| Noncurrent loans to loans | 1.2320% | 1,367 |
| Net loans and leases to total assets | 89.5070% | 89 |
| Net loans and leases to deposits | 100.2827% | 762 |
| Net loans and leases to core deposits | 113.9356% | 824 |
| Total domestic deposits to total assets | 89.2546% | 751 |
| Equity capital to assets | 9.8202% | 3,804 |
| Core capital (leverage) ratio | 9.7900% | 3,853 |
| Tier 1 risk-based capital ratio | 15.2514% | 2,762 |
| Total risk-based capital ratio | 16.4056% | 2,732 |
| Memoranda: | ||
| Average total assets | $74,945,250 | 4,560 |
| Average earning assets | $70,782,000 | 4,527 |
| Average equity | $7,340,250 | 4,745 |
| Average total loans | $66,918,250 | 3,974 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7857% | 1,288 |
| Cost of funding earning assets | 0.7791% | 1,223 |
| Net interest margin | 4.0066% | 1,835 |
| Noninterest income to average assets | 0.3943% | 3,531 |
| Noninterest expense to average assets | 3.5944% | 873 |
| Loan and lease loss provision to assets | 0.1207% | 1,635 |
| Net operating income to assets | 0.3809% | 4,994 |
| Return on assets (ROA) | 0.3809% | 4,998 |
| Pretax return on assets | 0.4587% | 4,974 |
| Return on Equity (ROE) | 3.8925% | 4,849 |
| Retained earnings to average equity (ytd only) | 3.8925% | 3,659 |
| Net charge-offs to loans | 0.0302% | 2,256 |
| Credit loss provision to net charge-offs | 450.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 21.6000% | 1,770 |
| Efficiency ratio | 86.1183% | 560 |
| Assets per employee ($millions) | 3.2676% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 4,680 |
| Loan loss allowance to noncurrent loans | 86.3057% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8356% | 1,787 |
| Noncurrent loans to loans | 0.9305% | 1,865 |
| Net loans and leases to total assets | 89.0812% | 103 |
| Net loans and leases to deposits | 98.7900% | 898 |
| Net loans and leases to core deposits | 111.5538% | 906 |
| Total domestic deposits to total assets | 90.1723% | 517 |
| Equity capital to assets | 9.8224% | 3,800 |
| Core capital (leverage) ratio | 9.8642% | 3,719 |
| Tier 1 risk-based capital ratio | 15.4168% | 2,683 |
| Total risk-based capital ratio | 16.5663% | 2,654 |
| Memoranda: | ||
| Average total assets | $74,561,000 | 4,617 |
| Average earning assets | $70,334,330 | 4,586 |
| Average equity | $7,296,000 | 4,802 |
| Average total loans | $66,334,330 | 4,011 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 1,276 |
| Cost of funding earning assets | 0.7486% | 1,199 |
| Net interest margin | 3.9657% | 1,827 |
| Noninterest income to average assets | 0.3447% | 3,846 |
| Noninterest expense to average assets | 3.7326% | 723 |
| Loan and lease loss provision to assets | 0.1616% | 1,118 |
| Net operating income to assets | 0.1400% | 5,297 |
| Return on assets (ROA) | 0.1400% | 5,293 |
| Pretax return on assets | 0.1885% | 5,272 |
| Return on Equity (ROE) | 1.4339% | 5,264 |
| Retained earnings to average equity (ytd only) | 1.4339% | 4,511 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4248% | 384 |
| Assets per employee ($millions) | 3.2201% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8169% | 4,740 |
| Loan loss allowance to noncurrent loans | 80.3892% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.9019% | 1,763 |
| Noncurrent loans to loans | 1.0162% | 1,799 |
| Net loans and leases to total assets | 88.0278% | 132 |
| Net loans and leases to deposits | 97.6090% | 900 |
| Net loans and leases to core deposits | 108.5551% | 1,085 |
| Total domestic deposits to total assets | 90.1840% | 589 |
| Equity capital to assets | 9.8106% | 3,783 |
| Core capital (leverage) ratio | 9.7353% | 3,815 |
| Tier 1 risk-based capital ratio | 15.4372% | 2,683 |
| Total risk-based capital ratio | 16.5962% | 2,658 |
| Memoranda: | ||
| Average total assets | $74,264,000 | 4,671 |
| Average earning assets | $69,999,500 | 4,639 |
| Average equity | $7,253,000 | 4,860 |
| Average total loans | $65,756,000 | 4,063 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6564% | 1,292 |
| Cost of funding earning assets | 0.7328% | 882 |
| Net interest margin | 3.9237% | 2,018 |
| Noninterest income to average assets | 0.3989% | 3,640 |
| Noninterest expense to average assets | 3.4672% | 1,089 |
| Loan and lease loss provision to assets | 0.1645% | 1,348 |
| Net operating income to assets | 0.3839% | 4,745 |
| Return on assets (ROA) | 0.3839% | 4,759 |
| Pretax return on assets | 0.4524% | 5,014 |
| Return on Equity (ROE) | 3.9451% | 4,516 |
| Retained earnings to average equity (ytd only) | 3.9451% | 2,832 |
| Net charge-offs to loans | 0.0328% | 3,133 |
| Credit loss provision to net charge-offs | 571.4286% | 562 |
| Earnings coverage of net charge-offs (x) | 21.4286% | 1,908 |
| Efficiency ratio | 84.8943% | 709 |
| Assets per employee ($millions) | 3.1027% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 4,907 |
| Loan loss allowance to noncurrent loans | 97.6879% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6970% | 2,229 |
| Noncurrent loans to loans | 0.7890% | 2,242 |
| Net loans and leases to total assets | 87.6546% | 157 |
| Net loans and leases to deposits | 97.2062% | 974 |
| Net loans and leases to core deposits | 109.8522% | 1,018 |
| Total domestic deposits to total assets | 90.1739% | 508 |
| Equity capital to assets | 9.7227% | 4,005 |
| Core capital (leverage) ratio | 9.5071% | 4,042 |
| Tier 1 risk-based capital ratio | 15.0384% | 2,837 |
| Total risk-based capital ratio | 16.1082% | 2,842 |
| Memoranda: | ||
| Average total assets | $72,941,600 | 4,726 |
| Average earning assets | $68,507,200 | 4,694 |
| Average equity | $7,097,400 | 4,925 |
| Average total loans | $64,086,200 | 4,097 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6491% | 1,247 |
| Cost of funding earning assets | 0.7207% | 881 |
| Net interest margin | 3.9284% | 1,939 |
| Noninterest income to average assets | 0.4043% | 3,658 |
| Noninterest expense to average assets | 3.6493% | 817 |
| Loan and lease loss provision to assets | 0.1654% | 1,224 |
| Net operating income to assets | 0.2168% | 5,337 |
| Return on assets (ROA) | 0.2168% | 5,350 |
| Pretax return on assets | 0.2756% | 5,326 |
| Return on Equity (ROE) | 2.2279% | 5,269 |
| Retained earnings to average equity (ytd only) | 2.2279% | 4,524 |
| Net charge-offs to loans | 0.0440% | 2,562 |
| Credit loss provision to net charge-offs | 428.5714% | 730 |
| Earnings coverage of net charge-offs (x) | 11.4282% | 2,503 |
| Efficiency ratio | 89.2183% | 441 |
| Assets per employee ($millions) | 2.9952% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7415% | 5,043 |
| Loan loss allowance to noncurrent loans | 78.5832% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8106% | 2,122 |
| Noncurrent loans to loans | 0.9436% | 2,033 |
| Net loans and leases to total assets | 85.2682% | 314 |
| Net loans and leases to deposits | 95.2174% | 1,181 |
| Net loans and leases to core deposits | 109.4694% | 1,058 |
| Total domestic deposits to total assets | 89.5511% | 644 |
| Equity capital to assets | 9.4940% | 4,454 |
| Core capital (leverage) ratio | 9.4418% | 4,234 |
| Tier 1 risk-based capital ratio | 14.4912% | 3,186 |
| Total risk-based capital ratio | 15.4810% | 3,237 |
| Memoranda: | ||
| Average total assets | $72,560,750 | 4,781 |
| Average earning assets | $68,083,500 | 4,749 |
| Average equity | $7,061,750 | 4,984 |
| Average total loans | $63,663,000 | 4,142 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 1,136 |
| Cost of funding earning assets | 0.7076% | 863 |
| Net interest margin | 3.9544% | 1,760 |
| Noninterest income to average assets | 0.3873% | 3,773 |
| Noninterest expense to average assets | 3.5326% | 960 |
| Loan and lease loss provision to assets | 0.1672% | 1,184 |
| Net operating income to assets | 0.3482% | 5,101 |
| Return on assets (ROA) | 0.3482% | 5,123 |
| Pretax return on assets | 0.3928% | 5,183 |
| Return on Equity (ROE) | 3.5481% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.5481% | 3,596 |
| Net charge-offs to loans | 0.0662% | 1,985 |
| Credit loss provision to net charge-offs | 285.7143% | 989 |
| Earnings coverage of net charge-offs (x) | 9.5714% | 2,420 |
| Efficiency ratio | 86.3172% | 672 |
| Assets per employee ($millions) | 3.2802% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7012% | 5,208 |
| Loan loss allowance to noncurrent loans | 80.2513% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7719% | 2,278 |
| Noncurrent loans to loans | 0.8737% | 2,238 |
| Net loans and leases to total assets | 87.7224% | 164 |
| Net loans and leases to deposits | 97.9589% | 895 |
| Net loans and leases to core deposits | 111.6177% | 922 |
| Total domestic deposits to total assets | 89.5502% | 713 |
| Equity capital to assets | 9.8609% | 4,075 |
| Core capital (leverage) ratio | 9.6828% | 3,909 |
| Tier 1 risk-based capital ratio | 15.3205% | 2,792 |
| Total risk-based capital ratio | 16.3003% | 2,843 |
| Memoranda: | ||
| Average total assets | $71,788,000 | 4,827 |
| Average earning assets | $67,267,000 | 4,799 |
| Average equity | $7,046,000 | 5,014 |
| Average total loans | $63,442,330 | 4,161 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5678% | 1,217 |
| Cost of funding earning assets | 0.6798% | 928 |
| Net interest margin | 3.8880% | 1,824 |
| Noninterest income to average assets | 0.3966% | 3,685 |
| Noninterest expense to average assets | 3.6313% | 854 |
| Loan and lease loss provision to assets | 0.1676% | 1,066 |
| Net operating income to assets | 0.2179% | 5,372 |
| Return on assets (ROA) | 0.2179% | 5,382 |
| Pretax return on assets | 0.2402% | 5,388 |
| Return on Equity (ROE) | 2.2251% | 5,300 |
| Retained earnings to average equity (ytd only) | 2.2251% | 4,255 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9032% | 564 |
| Assets per employee ($millions) | 3.5939% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 5,322 |
| Loan loss allowance to noncurrent loans | 92.6004% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 2,663 |
| Noncurrent loans to loans | 0.7501% | 2,612 |
| Net loans and leases to total assets | 87.1171% | 152 |
| Net loans and leases to deposits | 97.0280% | 848 |
| Net loans and leases to core deposits | 109.8947% | 884 |
| Total domestic deposits to total assets | 89.7855% | 756 |
| Equity capital to assets | 9.7819% | 3,994 |
| Core capital (leverage) ratio | 9.8540% | 3,686 |
| Tier 1 risk-based capital ratio | 17.1062% | 2,143 |
| Total risk-based capital ratio | 18.1719% | 2,165 |
| Memoranda: | ||
| Average total assets | $71,600,000 | 4,879 |
| Average earning assets | $67,078,500 | 4,854 |
| Average equity | $7,011,000 | 5,060 |
| Average total loans | $63,288,000 | 4,197 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 1,228 |
| Cost of funding earning assets | 0.6254% | 1,171 |
| Net interest margin | 3.9968% | 1,640 |
| Noninterest income to average assets | 0.4753% | 3,377 |
| Noninterest expense to average assets | 3.6187% | 983 |
| Loan and lease loss provision to assets | 0.1739% | 1,391 |
| Net operating income to assets | 0.3072% | 5,204 |
| Return on assets (ROA) | 0.3072% | 5,268 |
| Pretax return on assets | 0.4246% | 5,173 |
| Return on Equity (ROE) | 3.0498% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.0498% | 3,728 |
| Net charge-offs to loans | 0.0682% | 2,720 |
| Credit loss provision to net charge-offs | 292.6829% | 1,004 |
| Earnings coverage of net charge-offs (x) | 10.0732% | 2,684 |
| Efficiency ratio | 85.8076% | 837 |
| Assets per employee ($millions) | 3.5661% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6423% | 5,463 |
| Loan loss allowance to noncurrent loans | 90.6667% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 2,827 |
| Noncurrent loans to loans | 0.7084% | 2,763 |
| Net loans and leases to total assets | 88.4888% | 112 |
| Net loans and leases to deposits | 100.1031% | 666 |
| Net loans and leases to core deposits | 110.8492% | 841 |
| Total domestic deposits to total assets | 88.3977% | 1,438 |
| Equity capital to assets | 9.8020% | 3,938 |
| Core capital (leverage) ratio | 9.9129% | 3,608 |
| Tier 1 risk-based capital ratio | 17.0504% | 2,139 |
| Total risk-based capital ratio | 18.0455% | 2,181 |
| Memoranda: | ||
| Average total assets | $69,001,800 | 4,953 |
| Average earning assets | $64,602,000 | 4,929 |
| Average equity | $6,951,200 | 5,098 |
| Average total loans | $60,137,800 | 4,292 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 1,387 |
| Cost of funding earning assets | 0.6289% | 1,148 |
| Net interest margin | 3.9297% | 1,880 |
| Noninterest income to average assets | 0.5008% | 3,241 |
| Noninterest expense to average assets | 3.5855% | 1,017 |
| Loan and lease loss provision to assets | 0.1754% | 1,284 |
| Net operating income to assets | 0.3235% | 5,235 |
| Return on assets (ROA) | 0.3235% | 5,313 |
| Pretax return on assets | 0.4170% | 5,274 |
| Return on Equity (ROE) | 3.1886% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.1886% | 4,000 |
| Net charge-offs to loans | 0.0022% | 3,859 |
| Credit loss provision to net charge-offs | 9,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 304.7519% | 268 |
| Efficiency ratio | 85.8209% | 838 |
| Assets per employee ($millions) | 3.4797% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6765% | 5,472 |
| Loan loss allowance to noncurrent loans | 71.6981% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 2,452 |
| Noncurrent loans to loans | 0.9435% | 2,356 |
| Net loans and leases to total assets | 88.1842% | 125 |
| Net loans and leases to deposits | 105.3038% | 398 |
| Net loans and leases to core deposits | 107.3709% | 1,090 |
| Total domestic deposits to total assets | 83.7426% | 3,303 |
| Equity capital to assets | 10.0973% | 4,042 |
| Core capital (leverage) ratio | 10.3202% | 3,204 |
| Tier 1 risk-based capital ratio | 17.5408% | 2,060 |
| Total risk-based capital ratio | 18.5842% | 2,082 |
| Memoranda: | ||
| Average total assets | $68,421,750 | 5,010 |
| Average earning assets | $64,024,500 | 4,982 |
| Average equity | $6,941,250 | 5,152 |
| Average total loans | $59,292,250 | 4,358 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 1,511 |
| Cost of funding earning assets | 0.6536% | 1,038 |
| Net interest margin | 3.8463% | 2,151 |
| Noninterest income to average assets | 0.4821% | 3,316 |
| Noninterest expense to average assets | 3.5219% | 1,127 |
| Loan and lease loss provision to assets | 0.1764% | 1,242 |
| Net operating income to assets | 0.3293% | 5,239 |
| Return on assets (ROA) | 0.3293% | 5,321 |
| Pretax return on assets | 0.3822% | 5,368 |
| Return on Equity (ROE) | 3.2404% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.2404% | 3,828 |
| Net charge-offs to loans | 0.0034% | 3,586 |
| Credit loss provision to net charge-offs | 6,000.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 347 |
| Efficiency ratio | 86.3112% | 853 |
| Assets per employee ($millions) | 3.2878% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6560% | 5,598 |
| Loan loss allowance to noncurrent loans | 65.9864% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 2,370 |
| Noncurrent loans to loans | 0.9942% | 2,294 |
| Net loans and leases to total assets | 89.3515% | 86 |
| Net loans and leases to deposits | 102.1542% | 550 |
| Net loans and leases to core deposits | 102.6109% | 1,427 |
| Total domestic deposits to total assets | 87.4673% | 1,681 |
| Equity capital to assets | 10.6028% | 3,529 |
| Core capital (leverage) ratio | 10.6086% | 2,841 |
| Tier 1 risk-based capital ratio | 18.4362% | 1,815 |
| Total risk-based capital ratio | 19.4621% | 1,841 |
| Memoranda: | ||
| Average total assets | $68,031,330 | 5,067 |
| Average earning assets | $63,645,670 | 5,037 |
| Average equity | $6,912,670 | 5,212 |
| Average total loans | $58,460,330 | 4,396 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 1,645 |
| Cost of funding earning assets | 0.6981% | 814 |
| Net interest margin | 3.7560% | 2,451 |
| Noninterest income to average assets | 0.4106% | 3,744 |
| Noninterest expense to average assets | 3.4698% | 1,239 |
| Loan and lease loss provision to assets | 0.1735% | 1,180 |
| Net operating income to assets | 0.2602% | 5,411 |
| Return on assets (ROA) | 0.2602% | 5,478 |
| Pretax return on assets | 0.2834% | 5,539 |
| Return on Equity (ROE) | 2.6151% | 5,351 |
| Retained earnings to average equity (ytd only) | 2.6151% | 4,199 |
| Net charge-offs to loans | -0.0069% | 4,389 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3652% | 782 |
| Assets per employee ($millions) | 3.3707% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6182% | 5,718 |
| Loan loss allowance to noncurrent loans | 58.3468% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.0947% | 2,017 |
| Noncurrent loans to loans | 1.0594% | 2,274 |
| Net loans and leases to total assets | 85.8558% | 225 |
| Net loans and leases to deposits | 96.0439% | 942 |
| Net loans and leases to core deposits | 96.0439% | 1,788 |
| Total domestic deposits to total assets | 89.3923% | 891 |
| Equity capital to assets | 10.2428% | 3,802 |
| Core capital (leverage) ratio | 10.0558% | 3,467 |
| Tier 1 risk-based capital ratio | 17.9495% | 1,995 |
| Total risk-based capital ratio | 18.8853% | 2,057 |
| Memoranda: | ||
| Average total assets | $69,169,000 | 5,091 |
| Average earning assets | $64,749,500 | 5,056 |
| Average equity | $6,883,000 | 5,252 |
| Average total loans | $58,119,500 | 4,435 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 1,419 |
| Cost of funding earning assets | 0.6560% | 1,038 |
| Net interest margin | 3.9119% | 1,988 |
| Noninterest income to average assets | 0.4941% | 3,367 |
| Noninterest expense to average assets | 3.7522% | 920 |
| Loan and lease loss provision to assets | 0.1824% | 1,238 |
| Net operating income to assets | 0.1794% | 5,622 |
| Return on assets (ROA) | 0.1794% | 5,674 |
| Pretax return on assets | 0.2311% | 5,646 |
| Return on Equity (ROE) | 1.7389% | 5,638 |
| Retained earnings to average equity (ytd only) | 1.7389% | 4,735 |
| Net charge-offs to loans | 0.0070% | 4,201 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 789 |
| Efficiency ratio | 90.0730% | 687 |
| Assets per employee ($millions) | 3.3774% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5672% | 5,841 |
| Loan loss allowance to noncurrent loans | 51.6484% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8981% | 2,422 |
| Noncurrent loans to loans | 1.0983% | 2,141 |
| Net loans and leases to total assets | 81.3141% | 664 |
| Net loans and leases to deposits | 90.4645% | 1,557 |
| Net loans and leases to core deposits | 90.4645% | 2,369 |
| Total domestic deposits to total assets | 89.8851% | 679 |
| Equity capital to assets | 9.6736% | 4,339 |
| Core capital (leverage) ratio | 10.0480% | 3,445 |
| Tier 1 risk-based capital ratio | 17.1319% | 2,240 |
| Total risk-based capital ratio | 17.9535% | 2,341 |
| Memoranda: | ||
| Average total assets | $65,775,600 | 5,183 |
| Average earning assets | $61,734,400 | 5,136 |
| Average equity | $6,786,000 | 5,281 |
| Average total loans | $57,001,000 | 4,465 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6538% | 1,198 |
| Cost of funding earning assets | 0.6478% | 1,105 |
| Net interest margin | 4.0060% | 1,677 |
| Noninterest income to average assets | 0.4962% | 3,395 |
| Noninterest expense to average assets | 3.7980% | 853 |
| Loan and lease loss provision to assets | 0.1861% | 1,109 |
| Net operating income to assets | 0.1964% | 5,687 |
| Return on assets (ROA) | 0.1964% | 5,746 |
| Pretax return on assets | 0.2708% | 5,689 |
| Return on Equity (ROE) | 1.8717% | 5,693 |
| Retained earnings to average equity (ytd only) | 1.8717% | 4,944 |
| Net charge-offs to loans | 0.0118% | 3,762 |
| Credit loss provision to net charge-offs | 1,800.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 44.1769% | 1,145 |
| Efficiency ratio | 89.2614% | 750 |
| Assets per employee ($millions) | 3.1000% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5183% | 6,003 |
| Loan loss allowance to noncurrent loans | 50.4230% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 2,601 |
| Noncurrent loans to loans | 1.0278% | 2,423 |
| Net loans and leases to total assets | 87.8694% | 148 |
| Net loans and leases to deposits | 98.6650% | 760 |
| Net loans and leases to core deposits | 98.6650% | 1,638 |
| Total domestic deposits to total assets | 89.0584% | 1,006 |
| Equity capital to assets | 10.4900% | 3,613 |
| Core capital (leverage) ratio | 10.5303% | 3,009 |
| Tier 1 risk-based capital ratio | 17.8760% | 2,060 |
| Total risk-based capital ratio | 18.6561% | 2,168 |
| Memoranda: | ||
| Average total assets | $64,488,250 | 5,277 |
| Average earning assets | $60,508,000 | 5,234 |
| Average equity | $6,767,250 | 5,352 |
| Average total loans | $56,751,000 | 4,516 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 1,219 |
| Cost of funding earning assets | 0.6418% | 1,151 |
| Net interest margin | 3.9862% | 1,681 |
| Noninterest income to average assets | 0.4573% | 3,650 |
| Noninterest expense to average assets | 3.8983% | 768 |
| Loan and lease loss provision to assets | 0.1867% | 1,077 |
| Net operating income to assets | 0.1058% | 5,869 |
| Return on assets (ROA) | 0.1058% | 5,919 |
| Pretax return on assets | 0.1213% | 5,912 |
| Return on Equity (ROE) | 1.0079% | 5,901 |
| Retained earnings to average equity (ytd only) | 1.0079% | 5,168 |
| Net charge-offs to loans | 0.0142% | 3,434 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,551 |
| Efficiency ratio | 92.6775% | 603 |
| Assets per employee ($millions) | 3.0153% | 5,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4730% | 6,110 |
| Loan loss allowance to noncurrent loans | 55.3498% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 0.7691% | 3,083 |
| Noncurrent loans to loans | 0.8545% | 2,993 |
| Net loans and leases to total assets | 89.3953% | 88 |
| Net loans and leases to deposits | 102.4302% | 527 |
| Net loans and leases to core deposits | 102.4302% | 1,299 |
| Total domestic deposits to total assets | 87.2744% | 2,026 |
| Equity capital to assets | 10.6884% | 3,229 |
| Core capital (leverage) ratio | 10.5283% | 2,920 |
| Tier 1 risk-based capital ratio | 18.3147% | 1,978 |
| Total risk-based capital ratio | 19.0426% | 2,084 |
| Memoranda: | ||
| Average total assets | $64,284,330 | 5,337 |
| Average earning assets | $60,458,000 | 5,298 |
| Average equity | $6,746,670 | 5,401 |
| Average total loans | $56,501,000 | 4,561 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 1,329 |
| Cost of funding earning assets | 0.6392% | 1,184 |
| Net interest margin | 3.9135% | 1,849 |
| Noninterest income to average assets | 0.3891% | 4,097 |
| Noninterest expense to average assets | 3.8786% | 794 |
| Loan and lease loss provision to assets | 0.1853% | 1,025 |
| Net operating income to assets | 0.0309% | 5,977 |
| Return on assets (ROA) | 0.0309% | 6,017 |
| Pretax return on assets | 0.0309% | 6,015 |
| Return on Equity (ROE) | 0.2969% | 6,014 |
| Retained earnings to average equity (ytd only) | 0.2969% | 5,276 |
| Net charge-offs to loans | -0.0071% | 4,600 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7210% | 560 |
| Assets per employee ($millions) | 3.0546% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4303% | 6,220 |
| Loan loss allowance to noncurrent loans | 39.2283% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 1.0180% | 2,587 |
| Noncurrent loans to loans | 1.0970% | 2,572 |
| Net loans and leases to total assets | 88.0135% | 107 |
| Net loans and leases to deposits | 102.4200% | 438 |
| Net loans and leases to core deposits | 102.4200% | 1,152 |
| Total domestic deposits to total assets | 85.9339% | 2,977 |
| Equity capital to assets | 10.5056% | 3,525 |
| Core capital (leverage) ratio | 10.0913% | 3,489 |
| Tier 1 risk-based capital ratio | 17.5329% | 2,286 |
| Total risk-based capital ratio | 18.1869% | 2,455 |
| Memoranda: | ||
| Average total assets | $64,766,000 | 5,378 |
| Average earning assets | $61,326,500 | 5,318 |
| Average equity | $6,736,000 | 5,455 |
| Average total loans | $56,314,000 | 4,600 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6959% | 1,319 |
| Cost of funding earning assets | 0.6492% | 1,411 |
| Net interest margin | 4.0467% | 1,750 |
| Noninterest income to average assets | 0.5392% | 3,245 |
| Noninterest expense to average assets | 4.1479% | 640 |
| Loan and lease loss provision to assets | 0.1967% | 1,298 |
| Net operating income to assets | 0.0426% | 6,035 |
| Return on assets (ROA) | 0.0426% | 6,061 |
| Pretax return on assets | 0.0459% | 6,049 |
| Return on Equity (ROE) | 0.3843% | 6,058 |
| Retained earnings to average equity (ytd only) | 0.3843% | 5,605 |
| Net charge-offs to loans | 0.3253% | 1,354 |
| Credit loss provision to net charge-offs | 68.1818% | 3,114 |
| Earnings coverage of net charge-offs (x) | 0.8409% | 4,554 |
| Efficiency ratio | 94.4756% | 571 |
| Assets per employee ($millions) | 3.2693% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3809% | 6,334 |
| Loan loss allowance to noncurrent loans | 24.3429% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 1.3382% | 2,099 |
| Noncurrent loans to loans | 1.5646% | 1,869 |
| Net loans and leases to total assets | 85.2076% | 262 |
| Net loans and leases to deposits | 98.7959% | 699 |
| Net loans and leases to core deposits | 98.7959% | 1,482 |
| Total domestic deposits to total assets | 86.2461% | 2,696 |
| Equity capital to assets | 10.2990% | 3,723 |
| Core capital (leverage) ratio | 9.9962% | 3,578 |
| Tier 1 risk-based capital ratio | 18.2912% | 2,058 |
| Total risk-based capital ratio | 18.8873% | 2,235 |
| Memoranda: | ||
| Average total assets | $61,018,600 | 5,524 |
| Average earning assets | $58,072,200 | 5,457 |
| Average equity | $6,765,200 | 5,463 |
| Average total loans | $54,104,800 | 4,689 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 1,153 |
| Cost of funding earning assets | 0.6559% | 1,415 |
| Net interest margin | 4.1177% | 1,521 |
| Noninterest income to average assets | 0.5762% | 3,023 |
| Noninterest expense to average assets | 4.3630% | 529 |
| Loan and lease loss provision to assets | 0.2002% | 1,187 |
| Net operating income to assets | -0.0022% | 6,144 |
| Return on assets (ROA) | -0.0022% | 6,157 |
| Pretax return on assets | -0.0623% | 6,180 |
| Return on Equity (ROE) | -0.0196% | 6,155 |
| Retained earnings to average equity (ytd only) | -0.0196% | 5,795 |
| Net charge-offs to loans | 0.0572% | 3,400 |
| Credit loss provision to net charge-offs | 391.3043% | 716 |
| Earnings coverage of net charge-offs (x) | 2.6951% | 3,846 |
| Efficiency ratio | 96.9352% | 469 |
| Assets per employee ($millions) | 2.9990% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6146% | 6,204 |
| Loan loss allowance to noncurrent loans | 23.8129% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 2.2404% | 1,226 |
| Noncurrent loans to loans | 2.5809% | 1,118 |
| Net loans and leases to total assets | 86.2748% | 186 |
| Net loans and leases to deposits | 100.8744% | 567 |
| Net loans and leases to core deposits | 100.8744% | 1,302 |
| Total domestic deposits to total assets | 85.5269% | 3,103 |
| Equity capital to assets | 10.7464% | 3,242 |
| Core capital (leverage) ratio | 10.3225% | 3,262 |
| Tier 1 risk-based capital ratio | 18.2628% | 2,127 |
| Total risk-based capital ratio | 19.2067% | 2,185 |
| Memoranda: | ||
| Average total assets | $59,927,000 | 5,610 |
| Average earning assets | $57,118,500 | 5,541 |
| Average equity | $6,773,000 | 5,516 |
| Average total loans | $53,649,500 | 4,745 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8396% | 1,008 |
| Cost of funding earning assets | 0.6529% | 1,489 |
| Net interest margin | 4.1868% | 1,283 |
| Noninterest income to average assets | 0.5670% | 3,006 |
| Noninterest expense to average assets | 4.1182% | 662 |
| Loan and lease loss provision to assets | 0.2037% | 1,178 |
| Net operating income to assets | 0.2512% | 5,708 |
| Return on assets (ROA) | 0.2512% | 5,787 |
| Pretax return on assets | 0.2512% | 5,870 |
| Return on Equity (ROE) | 2.1846% | 5,798 |
| Retained earnings to average equity (ytd only) | 2.1846% | 4,798 |
| Net charge-offs to loans | 0.0900% | 2,781 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 5.5833% | 2,904 |
| Efficiency ratio | 90.0520% | 915 |
| Assets per employee ($millions) | 3.1090% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5604% | 6,357 |
| Loan loss allowance to noncurrent loans | 23.4977% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 2.1180% | 1,463 |
| Noncurrent loans to loans | 2.3847% | 1,334 |
| Net loans and leases to total assets | 87.0457% | 126 |
| Net loans and leases to deposits | 102.1072% | 445 |
| Net loans and leases to core deposits | 102.1072% | 1,128 |
| Total domestic deposits to total assets | 85.2493% | 3,388 |
| Equity capital to assets | 11.0035% | 2,870 |
| Core capital (leverage) ratio | 10.5741% | 2,852 |
| Tier 1 risk-based capital ratio | 18.4163% | 2,096 |
| Total risk-based capital ratio | 19.2706% | 2,204 |
| Memoranda: | ||
| Average total assets | $58,909,670 | 5,692 |
| Average earning assets | $56,368,000 | 5,604 |
| Average equity | $6,774,670 | 5,541 |
| Average total loans | $53,309,000 | 4,773 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 1,670 |
| Cost of funding earning assets | 0.6479% | 1,597 |
| Net interest margin | 3.8945% | 2,107 |
| Noninterest income to average assets | 0.5587% | 2,992 |
| Noninterest expense to average assets | 4.4627% | 472 |
| Loan and lease loss provision to assets | 0.2095% | 1,096 |
| Net operating income to assets | -0.3771% | 6,426 |
| Return on assets (ROA) | -0.3771% | 6,427 |
| Pretax return on assets | -0.3771% | 6,420 |
| Return on Equity (ROE) | -3.2043% | 6,413 |
| Retained earnings to average equity (ytd only) | -3.2043% | 5,982 |
| Net charge-offs to loans | 0.1896% | 1,594 |
| Credit loss provision to net charge-offs | 120.0000% | 1,457 |
| Earnings coverage of net charge-offs (x) | -0.9600% | 3,510 |
| Efficiency ratio | 103.9024% | 375 |
| Assets per employee ($millions) | 2.8791% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5140% | 6,493 |
| Loan loss allowance to noncurrent loans | 24.7069% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 1.9260% | 1,787 |
| Noncurrent loans to loans | 2.0804% | 1,778 |
| Net loans and leases to total assets | 92.1016% | 12 |
| Net loans and leases to deposits | 104.8850% | 264 |
| Net loans and leases to core deposits | 104.8850% | 803 |
| Total domestic deposits to total assets | 87.8120% | 2,331 |
| Equity capital to assets | 11.6601% | 2,132 |
| Core capital (leverage) ratio | 11.1964% | 2,225 |
| Tier 1 risk-based capital ratio | 18.5953% | 2,094 |
| Total risk-based capital ratio | 19.3856% | 2,211 |
| Memoranda: | ||
| Average total assets | $57,274,500 | 5,785 |
| Average earning assets | $54,949,000 | 5,705 |
| Average equity | $6,741,000 | 5,582 |
| Average total loans | $52,748,500 | 4,832 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 1,092 |
| Cost of funding earning assets | 0.6335% | 2,350 |
| Net interest margin | 4.2682% | 1,174 |
| Noninterest income to average assets | 0.6075% | 3,050 |
| Noninterest expense to average assets | 4.0414% | 835 |
| Loan and lease loss provision to assets | 0.2146% | 1,702 |
| Net operating income to assets | 0.2910% | 5,555 |
| Return on assets (ROA) | 0.2910% | 5,648 |
| Pretax return on assets | 0.4565% | 5,339 |
| Return on Equity (ROE) | 2.4091% | 5,703 |
| Retained earnings to average equity (ytd only) | 2.4091% | 4,533 |
| Net charge-offs to loans | 0.1777% | 3,050 |
| Credit loss provision to net charge-offs | 134.0909% | 1,752 |
| Earnings coverage of net charge-offs (x) | 4.1932% | 3,641 |
| Efficiency ratio | 85.7584% | 1,436 |
| Assets per employee ($millions) | 2.8484% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5154% | 6,559 |
| Loan loss allowance to noncurrent loans | 36.4005% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 1.2972% | 2,827 |
| Noncurrent loans to loans | 1.4160% | 2,768 |
| Net loans and leases to total assets | 91.1406% | 32 |
| Net loans and leases to deposits | 104.0418% | 321 |
| Net loans and leases to core deposits | 104.0418% | 906 |
| Total domestic deposits to total assets | 87.6001% | 2,420 |
| Equity capital to assets | 11.8804% | 1,879 |
| Core capital (leverage) ratio | 11.4117% | 2,027 |
| Tier 1 risk-based capital ratio | 18.9860% | 1,922 |
| Total risk-based capital ratio | 19.7716% | 2,039 |
| Memoranda: | ||
| Average total assets | $54,980,600 | 5,893 |
| Average earning assets | $52,879,200 | 5,807 |
| Average equity | $6,641,600 | 5,662 |
| Average total loans | $49,510,800 | 4,980 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9110% | 1,102 |
| Cost of funding earning assets | 0.6282% | 2,566 |
| Net interest margin | 4.2829% | 1,135 |
| Noninterest income to average assets | 0.5996% | 3,150 |
| Noninterest expense to average assets | 4.0403% | 811 |
| Loan and lease loss provision to assets | 0.2153% | 1,689 |
| Net operating income to assets | 0.3157% | 5,560 |
| Return on assets (ROA) | 0.3157% | 5,678 |
| Pretax return on assets | 0.4650% | 5,461 |
| Return on Equity (ROE) | 2.6021% | 5,749 |
| Retained earnings to average equity (ytd only) | 2.6021% | 4,769 |
| Net charge-offs to loans | 0.2539% | 2,293 |
| Credit loss provision to net charge-offs | 94.6237% | 2,517 |
| Earnings coverage of net charge-offs (x) | 2.9892% | 3,841 |
| Efficiency ratio | 85.5884% | 1,402 |
| Assets per employee ($millions) | 2.8030% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4599% | 6,683 |
| Loan loss allowance to noncurrent loans | 56.4904% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 0.7635% | 4,197 |
| Noncurrent loans to loans | 0.8141% | 4,205 |
| Net loans and leases to total assets | 90.7314% | 31 |
| Net loans and leases to deposits | 103.9462% | 298 |
| Net loans and leases to core deposits | 103.9462% | 879 |
| Total domestic deposits to total assets | 87.2868% | 2,513 |
| Equity capital to assets | 11.9818% | 1,928 |
| Core capital (leverage) ratio | 11.5412% | 2,006 |
| Tier 1 risk-based capital ratio | 19.1414% | 1,943 |
| Total risk-based capital ratio | 19.8367% | 2,086 |
| Memoranda: | ||
| Average total assets | $54,483,750 | 5,973 |
| Average earning assets | $52,424,750 | 5,889 |
| Average equity | $6,610,000 | 5,739 |
| Average total loans | $48,841,000 | 5,053 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 1,034 |
| Cost of funding earning assets | 0.6241% | 2,740 |
| Net interest margin | 4.3035% | 1,025 |
| Noninterest income to average assets | 0.6079% | 3,144 |
| Noninterest expense to average assets | 3.9290% | 947 |
| Loan and lease loss provision to assets | 0.2187% | 1,737 |
| Net operating income to assets | 0.4893% | 4,845 |
| Return on assets (ROA) | 0.4893% | 5,017 |
| Pretax return on assets | 0.6005% | 5,009 |
| Return on Equity (ROE) | 4.0156% | 5,210 |
| Retained earnings to average equity (ytd only) | 4.0156% | 3,740 |
| Net charge-offs to loans | 0.0624% | 3,814 |
| Credit loss provision to net charge-offs | 393.3333% | 668 |
| Earnings coverage of net charge-offs (x) | 14.7333% | 1,801 |
| Efficiency ratio | 82.7479% | 1,794 |
| Assets per employee ($millions) | 2.7920% | 6,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5696% | 6,646 |
| Loan loss allowance to noncurrent loans | 43.6923% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 1.1640% | 3,422 |
| Noncurrent loans to loans | 1.3037% | 3,376 |
| Net loans and leases to total assets | 88.7769% | 69 |
| Net loans and leases to deposits | 101.6340% | 346 |
| Net loans and leases to core deposits | 101.6340% | 964 |
| Total domestic deposits to total assets | 87.3496% | 2,620 |
| Equity capital to assets | 11.9054% | 1,975 |
| Core capital (leverage) ratio | 11.5903% | 1,863 |
| Tier 1 risk-based capital ratio | 19.5700% | 1,835 |
| Total risk-based capital ratio | 20.4288% | 1,915 |
| Memoranda: | ||
| Average total assets | $53,958,330 | 6,022 |
| Average earning assets | $51,910,670 | 5,940 |
| Average equity | $6,574,330 | 5,786 |
| Average total loans | $48,088,330 | 5,098 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9901% | 903 |
| Cost of funding earning assets | 0.6355% | 2,784 |
| Net interest margin | 4.3546% | 873 |
| Noninterest income to average assets | 0.5885% | 3,201 |
| Noninterest expense to average assets | 4.0590% | 827 |
| Loan and lease loss provision to assets | 0.2188% | 1,695 |
| Net operating income to assets | 0.3093% | 5,537 |
| Return on assets (ROA) | 0.3093% | 5,664 |
| Pretax return on assets | 0.4979% | 5,266 |
| Return on Equity (ROE) | 2.5086% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.5086% | 4,771 |
| Net charge-offs to loans | 0.1271% | 2,658 |
| Credit loss provision to net charge-offs | 193.3333% | 1,122 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,236 |
| Efficiency ratio | 84.9921% | 1,639 |
| Assets per employee ($millions) | 2.6980% | 6,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5335% | 6,764 |
| Loan loss allowance to noncurrent loans | 122.8155% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 5,447 |
| Noncurrent loans to loans | 0.4344% | 5,334 |
| Net loans and leases to total assets | 87.4203% | 83 |
| Net loans and leases to deposits | 100.3339% | 336 |
| Net loans and leases to core deposits | 100.3339% | 928 |
| Total domestic deposits to total assets | 87.1294% | 2,886 |
| Equity capital to assets | 12.1534% | 1,935 |
| Core capital (leverage) ratio | 11.8273% | 1,664 |
| Tier 1 risk-based capital ratio | 20.2526% | 1,710 |
| Total risk-based capital ratio | 21.0555% | 1,793 |
| Memoranda: | ||
| Average total assets | $53,017,500 | 6,101 |
| Average earning assets | $50,981,000 | 6,019 |
| Average equity | $6,537,500 | 5,851 |
| Average total loans | $47,204,000 | 5,161 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3092% | 911 |
| Cost of funding earning assets | 0.6934% | 3,544 |
| Net interest margin | 4.6157% | 760 |
| Noninterest income to average assets | 0.5052% | 3,863 |
| Noninterest expense to average assets | 4.1946% | 771 |
| Loan and lease loss provision to assets | 0.2367% | 2,769 |
| Net operating income to assets | 0.3163% | 5,411 |
| Return on assets (ROA) | 0.3043% | 5,663 |
| Pretax return on assets | 0.4515% | 5,421 |
| Return on Equity (ROE) | 2.3897% | 5,795 |
| Retained earnings to average equity (ytd only) | 2.3897% | 4,549 |
| Net charge-offs to loans | 0.0046% | 5,909 |
| Credit loss provision to net charge-offs | 5,950.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 177.5000% | 235 |
| Efficiency ratio | 85.5925% | 1,468 |
| Assets per employee ($millions) | 2.8931% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5087% | 6,834 |
| Loan loss allowance to noncurrent loans | 44.9248% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 3,994 |
| Noncurrent loans to loans | 1.1323% | 3,952 |
| Net loans and leases to total assets | 89.7628% | 53 |
| Net loans and leases to deposits | 103.3953% | 286 |
| Net loans and leases to core deposits | 103.3953% | 818 |
| Total domestic deposits to total assets | 86.8152% | 2,928 |
| Equity capital to assets | 12.5146% | 1,707 |
| Core capital (leverage) ratio | 12.2180% | 1,444 |
| Tier 1 risk-based capital ratio | 20.3055% | 1,604 |
| Total risk-based capital ratio | 21.0708% | 1,694 |
| Memoranda: | ||
| Average total assets | $50,278,800 | 6,206 |
| Average earning assets | $47,879,600 | 6,124 |
| Average equity | $6,402,600 | 5,915 |
| Average total loans | $43,850,400 | 5,337 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3009% | 1,013 |
| Cost of funding earning assets | 0.7013% | 3,761 |
| Net interest margin | 4.5996% | 819 |
| Noninterest income to average assets | 0.5378% | 3,686 |
| Noninterest expense to average assets | 4.2035% | 718 |
| Loan and lease loss provision to assets | 0.2408% | 2,643 |
| Net operating income to assets | 0.3365% | 5,490 |
| Return on assets (ROA) | 0.3131% | 5,772 |
| Pretax return on assets | 0.4308% | 5,646 |
| Return on Equity (ROE) | 2.4474% | 5,900 |
| Retained earnings to average equity (ytd only) | 2.4474% | 5,107 |
| Net charge-offs to loans | 0.1672% | 3,782 |
| Credit loss provision to net charge-offs | 166.6667% | 1,665 |
| Earnings coverage of net charge-offs (x) | 4.8703% | 3,176 |
| Efficiency ratio | 85.6598% | 1,413 |
| Assets per employee ($millions) | 2.7078% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3457% | 7,042 |
| Loan loss allowance to noncurrent loans | 39.8990% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 0.8863% | 4,513 |
| Noncurrent loans to loans | 0.8665% | 4,688 |
| Net loans and leases to total assets | 88.5204% | 80 |
| Net loans and leases to deposits | 102.2933% | 334 |
| Net loans and leases to core deposits | 102.2933% | 966 |
| Total domestic deposits to total assets | 86.5359% | 2,960 |
| Equity capital to assets | 12.5603% | 1,853 |
| Core capital (leverage) ratio | 12.2926% | 1,498 |
| Tier 1 risk-based capital ratio | 20.0197% | 1,753 |
| Total risk-based capital ratio | 20.5214% | 1,901 |
| Memoranda: | ||
| Average total assets | $49,829,750 | 6,288 |
| Average earning assets | $47,336,250 | 6,213 |
| Average equity | $6,374,000 | 5,992 |
| Average total loans | $43,067,250 | 5,433 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2931% | 1,071 |
| Cost of funding earning assets | 0.7152% | 3,899 |
| Net interest margin | 4.5779% | 864 |
| Noninterest income to average assets | 0.5315% | 3,717 |
| Noninterest expense to average assets | 4.0698% | 865 |
| Loan and lease loss provision to assets | 0.2435% | 2,631 |
| Net operating income to assets | 0.4225% | 5,137 |
| Return on assets (ROA) | 0.3855% | 5,506 |
| Pretax return on assets | 0.5072% | 5,420 |
| Return on Equity (ROE) | 2.9946% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.9946% | 4,650 |
| Net charge-offs to loans | 0.1707% | 3,577 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 5.4722% | 2,829 |
| Efficiency ratio | 83.5833% | 1,674 |
| Assets per employee ($millions) | 2.5297% | 6,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3317% | 7,106 |
| Loan loss allowance to noncurrent loans | 18.6462% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 1.5476% | 3,379 |
| Noncurrent loans to loans | 1.7788% | 3,249 |
| Net loans and leases to total assets | 86.7158% | 114 |
| Net loans and leases to deposits | 100.3201% | 408 |
| Net loans and leases to core deposits | 100.3201% | 1,077 |
| Total domestic deposits to total assets | 86.4391% | 3,107 |
| Equity capital to assets | 12.6181% | 1,740 |
| Core capital (leverage) ratio | 12.4185% | 1,390 |
| Tier 1 risk-based capital ratio | 20.4745% | 1,582 |
| Total risk-based capital ratio | 20.9502% | 1,755 |
| Memoranda: | ||
| Average total assets | $49,290,330 | 6,341 |
| Average earning assets | $46,702,670 | 6,272 |
| Average equity | $6,344,670 | 6,027 |
| Average total loans | $42,189,670 | 5,509 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4852% | 780 |
| Cost of funding earning assets | 0.7162% | 4,146 |
| Net interest margin | 4.7690% | 606 |
| Noninterest income to average assets | 0.4441% | 4,332 |
| Noninterest expense to average assets | 3.8324% | 1,166 |
| Loan and lease loss provision to assets | 0.2467% | 2,494 |
| Net operating income to assets | 0.7161% | 3,802 |
| Return on assets (ROA) | 0.6332% | 4,417 |
| Pretax return on assets | 0.7566% | 4,582 |
| Return on Equity (ROE) | 4.8696% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.8696% | 3,629 |
| Net charge-offs to loans | -0.0581% | 6,587 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6667% | 2,543 |
| Assets per employee ($millions) | 2.6127% | 6,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3824% | 7,142 |
| Loan loss allowance to noncurrent loans | 35.4260% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 4,729 |
| Noncurrent loans to loans | 1.0795% | 4,537 |
| Net loans and leases to total assets | 82.9133% | 226 |
| Net loans and leases to deposits | 96.0178% | 537 |
| Net loans and leases to core deposits | 96.0178% | 1,301 |
| Total domestic deposits to total assets | 86.3520% | 3,332 |
| Equity capital to assets | 12.8241% | 1,530 |
| Core capital (leverage) ratio | 12.6206% | 1,281 |
| Tier 1 risk-based capital ratio | 21.5240% | 1,375 |
| Total risk-based capital ratio | 22.0669% | 1,492 |
| Memoranda: | ||
| Average total assets | $48,638,500 | 6,412 |
| Average earning assets | $45,796,000 | 6,335 |
| Average equity | $6,325,000 | 6,064 |
| Average total loans | $41,275,000 | 5,580 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6051% | 943 |
| Cost of funding earning assets | 0.7735% | 5,042 |
| Net interest margin | 4.8316% | 585 |
| Noninterest income to average assets | 0.5517% | 3,491 |
| Noninterest expense to average assets | 4.5287% | 577 |
| Loan and lease loss provision to assets | 0.2517% | 3,686 |
| Net operating income to assets | 0.2035% | 5,583 |
| Return on assets (ROA) | 0.2035% | 5,710 |
| Pretax return on assets | 0.2391% | 5,692 |
| Return on Equity (ROE) | 1.5491% | 5,828 |
| Retained earnings to average equity (ytd only) | 1.5491% | 5,103 |
| Net charge-offs to loans | 0.3788% | 3,517 |
| Credit loss provision to net charge-offs | 80.0000% | 4,450 |
| Earnings coverage of net charge-offs (x) | 1.5600% | 4,602 |
| Efficiency ratio | 90.2215% | 1,168 |
| Assets per employee ($millions) | 2.8021% | 6,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2959% | 7,222 |
| Loan loss allowance to noncurrent loans | 31.1224% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 4,986 |
| Noncurrent loans to loans | 0.9507% | 4,802 |
| Net loans and leases to total assets | 86.3024% | 123 |
| Net loans and leases to deposits | 100.6463% | 430 |
| Net loans and leases to core deposits | 100.6463% | 1,121 |
| Total domestic deposits to total assets | 85.7482% | 3,460 |
| Equity capital to assets | 13.1917% | 1,401 |
| Core capital (leverage) ratio | 13.0164% | 1,130 |
| Tier 1 risk-based capital ratio | 21.0777% | 1,397 |
| Total risk-based capital ratio | 21.4933% | 1,560 |
| Memoranda: | ||
| Average total assets | $47,674,000 | 6,433 |
| Average earning assets | $44,084,800 | 6,385 |
| Average equity | $6,261,800 | 6,086 |
| Average total loans | $39,594,200 | 5,710 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5738% | 1,091 |
| Cost of funding earning assets | 0.7811% | 5,271 |
| Net interest margin | 4.7927% | 632 |
| Noninterest income to average assets | 0.5648% | 3,408 |
| Noninterest expense to average assets | 4.6137% | 517 |
| Loan and lease loss provision to assets | 0.2796% | 3,283 |
| Net operating income to assets | 0.0923% | 5,979 |
| Return on assets (ROA) | 0.0923% | 6,097 |
| Pretax return on assets | 0.0979% | 6,099 |
| Return on Equity (ROE) | 0.7033% | 6,127 |
| Retained earnings to average equity (ytd only) | 0.7033% | 5,735 |
| Net charge-offs to loans | 0.1940% | 4,252 |
| Credit loss provision to net charge-offs | 175.4386% | 1,697 |
| Earnings coverage of net charge-offs (x) | 2.3684% | 3,947 |
| Efficiency ratio | 92.4370% | 1,003 |
| Assets per employee ($millions) | 2.7709% | 6,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4747% | 7,178 |
| Loan loss allowance to noncurrent loans | 47.2289% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8810% | 4,976 |
| Noncurrent loans to loans | 1.0052% | 4,879 |
| Net loans and leases to total assets | 87.2267% | 98 |
| Net loans and leases to deposits | 102.5379% | 367 |
| Net loans and leases to core deposits | 102.5379% | 1,066 |
| Total domestic deposits to total assets | 85.0677% | 3,739 |
| Equity capital to assets | 13.2043% | 1,515 |
| Core capital (leverage) ratio | 13.0085% | 1,229 |
| Tier 1 risk-based capital ratio | 20.3502% | 1,601 |
| Total risk-based capital ratio | 21.0025% | 1,718 |
| Memoranda: | ||
| Average total assets | $47,683,500 | 6,493 |
| Average earning assets | $44,038,250 | 6,446 |
| Average equity | $6,256,250 | 6,128 |
| Average total loans | $39,184,500 | 5,782 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5348% | 1,218 |
| Cost of funding earning assets | 0.8166% | 5,266 |
| Net interest margin | 4.7182% | 698 |
| Noninterest income to average assets | 0.5598% | 3,403 |
| Noninterest expense to average assets | 4.3404% | 708 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5055% | 4,480 |
| Return on assets (ROA) | 0.5055% | 4,620 |
| Pretax return on assets | 0.5640% | 4,867 |
| Return on Equity (ROE) | 3.8607% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.8607% | 3,747 |
| Net charge-offs to loans | 0.2962% | 3,393 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.3684% | 3,639 |
| Efficiency ratio | 88.5009% | 1,363 |
| Assets per employee ($millions) | 2.5401% | 6,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2438% | 7,379 |
| Loan loss allowance to noncurrent loans | 24.4898% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8123% | 5,258 |
| Noncurrent loans to loans | 0.9956% | 5,003 |
| Net loans and leases to total assets | 81.3887% | 419 |
| Net loans and leases to deposits | 95.3790% | 773 |
| Net loans and leases to core deposits | 95.3790% | 1,743 |
| Total domestic deposits to total assets | 85.3318% | 3,715 |
| Equity capital to assets | 13.1017% | 1,468 |
| Core capital (leverage) ratio | 12.9013% | 1,200 |
| Tier 1 risk-based capital ratio | 22.0331% | 1,253 |
| Total risk-based capital ratio | 22.3736% | 1,379 |
| Memoranda: | ||
| Average total assets | $47,876,000 | 6,543 |
| Average earning assets | $44,085,000 | 6,505 |
| Average equity | $6,268,330 | 6,151 |
| Average total loans | $38,484,330 | 5,868 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6188% | 1,025 |
| Cost of funding earning assets | 0.8708% | 5,128 |
| Net interest margin | 4.7480% | 640 |
| Noninterest income to average assets | 0.5956% | 3,201 |
| Noninterest expense to average assets | 4.2698% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6543% | 3,728 |
| Return on assets (ROA) | 0.6543% | 3,807 |
| Pretax return on assets | 0.6711% | 4,413 |
| Return on Equity (ROE) | 4.9992% | 4,406 |
| Retained earnings to average equity (ytd only) | 4.9992% | 3,199 |
| Net charge-offs to loans | 0.5678% | 2,063 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.4815% | 3,600 |
| Efficiency ratio | 86.4177% | 1,665 |
| Assets per employee ($millions) | 2.5198% | 6,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2562% | 7,425 |
| Loan loss allowance to noncurrent loans | 15.5309% | 6,906 |
| Noncurrent assets plus other real estate owned to assets | 1.3180% | 4,331 |
| Noncurrent loans to loans | 1.6499% | 4,007 |
| Net loans and leases to total assets | 79.6750% | 544 |
| Net loans and leases to deposits | 92.7517% | 951 |
| Net loans and leases to core deposits | 93.3235% | 1,974 |
| Total domestic deposits to total assets | 85.9014% | 3,581 |
| Equity capital to assets | 13.1169% | 1,331 |
| Core capital (leverage) ratio | 12.9150% | 1,150 |
| Tier 1 risk-based capital ratio | 22.3385% | 1,169 |
| Total risk-based capital ratio | 22.6934% | 1,295 |
| Memoranda: | ||
| Average total assets | $47,683,500 | 6,594 |
| Average earning assets | $43,639,000 | 6,575 |
| Average equity | $6,241,000 | 6,170 |
| Average total loans | $38,039,000 | 5,935 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8050% | 1,267 |
| Cost of funding earning assets | 1.2388% | 4,298 |
| Net interest margin | 4.5662% | 1,087 |
| Noninterest income to average assets | 0.4568% | 4,462 |
| Noninterest expense to average assets | 4.4903% | 659 |
| Loan and lease loss provision to assets | 0.2884% | 4,493 |
| Net operating income to assets | -0.1495% | 6,049 |
| Return on assets (ROA) | -0.1495% | 6,108 |
| Pretax return on assets | -0.1705% | 6,065 |
| Return on Equity (ROE) | -1.1315% | 6,072 |
| Retained earnings to average equity (ytd only) | -1.1315% | 5,822 |
| Net charge-offs to loans | 0.1400% | 5,522 |
| Credit loss provision to net charge-offs | 258.4906% | 1,091 |
| Earnings coverage of net charge-offs (x) | 1.0566% | 5,053 |
| Efficiency ratio | 97.4418% | 893 |
| Assets per employee ($millions) | 2.3745% | 7,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5894% | 7,277 |
| Loan loss allowance to noncurrent loans | 27.0303% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 1.7372% | 3,697 |
| Noncurrent loans to loans | 2.1806% | 3,336 |
| Net loans and leases to total assets | 79.1977% | 770 |
| Net loans and leases to deposits | 92.5786% | 1,194 |
| Net loans and leases to core deposits | 93.1565% | 2,363 |
| Total domestic deposits to total assets | 85.5464% | 3,578 |
| Equity capital to assets | 13.0596% | 1,368 |
| Core capital (leverage) ratio | 13.3039% | 1,027 |
| Tier 1 risk-based capital ratio | 21.0579% | 1,309 |
| Total risk-based capital ratio | 21.8012% | 1,378 |
| Memoranda: | ||
| Average total assets | $47,502,400 | 6,619 |
| Average earning assets | $43,186,800 | 6,610 |
| Average equity | $6,274,800 | 6,281 |
| Average total loans | $37,865,400 | 6,017 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8075% | 1,373 |
| Cost of funding earning assets | 1.2895% | 4,294 |
| Net interest margin | 4.5180% | 1,217 |
| Noninterest income to average assets | 0.4266% | 4,746 |
| Noninterest expense to average assets | 4.5074% | 586 |
| Loan and lease loss provision to assets | 0.2161% | 4,903 |
| Net operating income to assets | -0.1656% | 6,270 |
| Return on assets (ROA) | -0.1656% | 6,351 |
| Pretax return on assets | -0.1965% | 6,313 |
| Return on Equity (ROE) | -1.2500% | 6,309 |
| Retained earnings to average equity (ytd only) | -1.2500% | 6,055 |
| Net charge-offs to loans | 0.1866% | 4,834 |
| Credit loss provision to net charge-offs | 145.2830% | 2,705 |
| Earnings coverage of net charge-offs (x) | 0.1320% | 5,892 |
| Efficiency ratio | 99.5660% | 756 |
| Assets per employee ($millions) | 2.8779% | 6,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4182% | 7,514 |
| Loan loss allowance to noncurrent loans | 24.1840% | 6,697 |
| Noncurrent assets plus other real estate owned to assets | 1.3776% | 4,413 |
| Noncurrent loans to loans | 1.7293% | 4,052 |
| Net loans and leases to total assets | 79.3296% | 849 |
| Net loans and leases to deposits | 93.6900% | 1,239 |
| Net loans and leases to core deposits | 94.2611% | 2,491 |
| Total domestic deposits to total assets | 84.6725% | 3,786 |
| Equity capital to assets | 12.7113% | 1,747 |
| Core capital (leverage) ratio | 12.9484% | 1,251 |
| Tier 1 risk-based capital ratio | 20.5622% | 1,433 |
| Total risk-based capital ratio | 21.0912% | 1,548 |
| Memoranda: | ||
| Average total assets | $47,505,500 | 6,702 |
| Average earning assets | $43,115,750 | 6,694 |
| Average equity | $6,293,000 | 6,359 |
| Average total loans | $37,873,250 | 6,102 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8986% | 1,190 |
| Cost of funding earning assets | 1.3432% | 4,234 |
| Net interest margin | 4.5555% | 1,091 |
| Noninterest income to average assets | 0.4508% | 4,505 |
| Noninterest expense to average assets | 3.9717% | 1,080 |
| Loan and lease loss provision to assets | 0.3274% | 3,778 |
| Net operating income to assets | 0.2381% | 5,417 |
| Return on assets (ROA) | 0.2381% | 5,561 |
| Pretax return on assets | 0.2764% | 5,573 |
| Return on Equity (ROE) | 1.7728% | 5,701 |
| Retained earnings to average equity (ytd only) | 1.7728% | 4,979 |
| Net charge-offs to loans | 0.2826% | 3,926 |
| Credit loss provision to net charge-offs | 145.2830% | 2,735 |
| Earnings coverage of net charge-offs (x) | 2.6792% | 3,654 |
| Efficiency ratio | 86.8030% | 1,619 |
| Assets per employee ($millions) | 2.7985% | 6,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4355% | 7,572 |
| Loan loss allowance to noncurrent loans | 22.3288% | 6,825 |
| Noncurrent assets plus other real estate owned to assets | 1.7972% | 3,758 |
| Noncurrent loans to loans | 1.9504% | 3,793 |
| Net loans and leases to total assets | 78.3327% | 1,055 |
| Net loans and leases to deposits | 91.4795% | 1,618 |
| Net loans and leases to core deposits | 91.4795% | 3,062 |
| Total domestic deposits to total assets | 85.6287% | 3,299 |
| Equity capital to assets | 13.3665% | 1,404 |
| Core capital (leverage) ratio | 13.6503% | 1,016 |
| Tier 1 risk-based capital ratio | 21.5190% | 1,266 |
| Total risk-based capital ratio | 22.0591% | 1,344 |
| Memoranda: | ||
| Average total assets | $47,032,330 | 6,763 |
| Average earning assets | $42,586,330 | 6,756 |
| Average equity | $6,317,670 | 6,366 |
| Average total loans | $37,506,000 | 6,164 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9421% | 1,098 |
| Cost of funding earning assets | 1.4026% | 4,154 |
| Net interest margin | 4.5395% | 1,067 |
| Noninterest income to average assets | 0.4790% | 4,208 |
| Noninterest expense to average assets | 4.0204% | 1,001 |
| Loan and lease loss provision to assets | 0.6587% | 1,925 |
| Net operating income to assets | -0.1026% | 6,435 |
| Return on assets (ROA) | -0.1026% | 6,512 |
| Pretax return on assets | -0.1026% | 6,471 |
| Return on Equity (ROE) | -0.7623% | 6,498 |
| Retained earnings to average equity (ytd only) | -0.7623% | 6,006 |
| Net charge-offs to loans | 0.5647% | 2,388 |
| Credit loss provision to net charge-offs | 145.2830% | 2,452 |
| Earnings coverage of net charge-offs (x) | 1.2264% | 4,036 |
| Efficiency ratio | 87.8505% | 1,603 |
| Assets per employee ($millions) | 2.7365% | 6,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4333% | 7,664 |
| Loan loss allowance to noncurrent loans | 25.3499% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 1.6509% | 4,000 |
| Noncurrent loans to loans | 1.7094% | 4,178 |
| Net loans and leases to total assets | 80.5077% | 765 |
| Net loans and leases to deposits | 94.1219% | 1,334 |
| Net loans and leases to core deposits | 94.1219% | 2,827 |
| Total domestic deposits to total assets | 85.5356% | 3,395 |
| Equity capital to assets | 13.5229% | 1,313 |
| Core capital (leverage) ratio | 13.8131% | 1,001 |
| Tier 1 risk-based capital ratio | 21.7153% | 1,237 |
| Total risk-based capital ratio | 22.2662% | 1,312 |
| Memoranda: | ||
| Average total assets | $46,761,500 | 6,850 |
| Average earning assets | $42,207,000 | 6,851 |
| Average equity | $6,297,000 | 6,417 |
| Average total loans | $37,544,500 | 6,231 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0261% | 1,768 |
| Cost of funding earning assets | 1.7111% | 4,444 |
| Net interest margin | 4.3150% | 1,673 |
| Noninterest income to average assets | 0.3918% | 5,277 |
| Noninterest expense to average assets | 4.2726% | 1,018 |
| Loan and lease loss provision to assets | 0.1894% | 5,828 |
| Net operating income to assets | -0.0697% | 5,623 |
| Return on assets (ROA) | -0.0697% | 5,642 |
| Pretax return on assets | -0.1676% | 5,670 |
| Return on Equity (ROE) | -0.5044% | 5,621 |
| Retained earnings to average equity (ytd only) | -0.5044% | 5,106 |
| Net charge-offs to loans | 0.1919% | 5,449 |
| Credit loss provision to net charge-offs | 120.8333% | 4,416 |
| Earnings coverage of net charge-offs (x) | 0.1389% | 6,021 |
| Efficiency ratio | 99.4932% | 1,129 |
| Assets per employee ($millions) | 2.7648% | 6,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3709% | 7,780 |
| Loan loss allowance to noncurrent loans | 18.2176% | 7,137 |
| Noncurrent assets plus other real estate owned to assets | 1.6233% | 3,933 |
| Noncurrent loans to loans | 2.0361% | 3,603 |
| Net loans and leases to total assets | 79.4307% | 1,110 |
| Net loans and leases to deposits | 92.5667% | 1,809 |
| Net loans and leases to core deposits | 94.7299% | 4,596 |
| Total domestic deposits to total assets | 85.8091% | 3,106 |
| Equity capital to assets | 13.4101% | 1,359 |
| Core capital (leverage) ratio | 13.6973% | 1,041 |
| Tier 1 risk-based capital ratio | 21.6651% | 1,192 |
| Total risk-based capital ratio | 22.1329% | 1,282 |
| Memoranda: | ||
| Average total assets | $45,944,000 | 6,876 |
| Average earning assets | $41,552,400 | 6,883 |
| Average equity | $6,344,200 | 6,482 |
| Average total loans | $37,528,400 | 6,220 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0372% | 1,890 |
| Cost of funding earning assets | 1.7654% | 4,552 |
| Net interest margin | 4.2718% | 1,803 |
| Noninterest income to average assets | 0.3707% | 5,548 |
| Noninterest expense to average assets | 4.3315% | 873 |
| Loan and lease loss provision to assets | 0.2539% | 4,919 |
| Net operating income to assets | -0.2014% | 6,066 |
| Return on assets (ROA) | -0.2014% | 6,076 |
| Pretax return on assets | -0.3444% | 6,142 |
| Return on Equity (ROE) | -1.4478% | 6,010 |
| Retained earnings to average equity (ytd only) | -1.4478% | 5,596 |
| Net charge-offs to loans | 0.2557% | 4,453 |
| Credit loss provision to net charge-offs | 120.8333% | 4,201 |
| Earnings coverage of net charge-offs (x) | -0.4305% | 6,449 |
| Efficiency ratio | 102.1335% | 977 |
| Assets per employee ($millions) | 2.7276% | 6,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3755% | 7,841 |
| Loan loss allowance to noncurrent loans | 16.5083% | 7,264 |
| Noncurrent assets plus other real estate owned to assets | 1.8159% | 3,628 |
| Noncurrent loans to loans | 2.2746% | 3,299 |
| Net loans and leases to total assets | 79.5337% | 1,281 |
| Net loans and leases to deposits | 93.2277% | 2,016 |
| Net loans and leases to core deposits | 95.4277% | 4,873 |
| Total domestic deposits to total assets | 85.3113% | 3,068 |
| Equity capital to assets | 13.5177% | 1,491 |
| Core capital (leverage) ratio | 13.8972% | 1,117 |
| Tier 1 risk-based capital ratio | 20.0804% | 1,542 |
| Total risk-based capital ratio | 20.5135% | 1,659 |
| Memoranda: | ||
| Average total assets | $45,679,500 | 6,934 |
| Average earning assets | $41,387,000 | 6,939 |
| Average equity | $6,354,500 | 6,537 |
| Average total loans | $37,542,250 | 6,257 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1803% | 1,523 |
| Cost of funding earning assets | 1.8263% | 4,625 |
| Net interest margin | 4.3540% | 1,512 |
| Noninterest income to average assets | 0.3960% | 5,328 |
| Noninterest expense to average assets | 4.0220% | 1,283 |
| Loan and lease loss provision to assets | 0.2200% | 4,838 |
| Net operating income to assets | 0.0088% | 5,810 |
| Return on assets (ROA) | 0.0088% | 5,890 |
| Pretax return on assets | 0.0880% | 5,703 |
| Return on Equity (ROE) | 0.0627% | 5,901 |
| Retained earnings to average equity (ytd only) | 0.0627% | 5,180 |
| Net charge-offs to loans | 0.3235% | 3,563 |
| Credit loss provision to net charge-offs | 81.9672% | 5,141 |
| Earnings coverage of net charge-offs (x) | 1.1475% | 4,663 |
| Efficiency ratio | 92.8862% | 1,577 |
| Assets per employee ($millions) | 2.7606% | 6,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3089% | 7,984 |
| Loan loss allowance to noncurrent loans | 21.4689% | 7,045 |
| Noncurrent assets plus other real estate owned to assets | 1.5129% | 3,957 |
| Noncurrent loans to loans | 1.4389% | 4,340 |
| Net loans and leases to total assets | 78.3917% | 1,663 |
| Net loans and leases to deposits | 91.7388% | 2,514 |
| Net loans and leases to core deposits | 94.0440% | 5,114 |
| Total domestic deposits to total assets | 85.4510% | 3,044 |
| Equity capital to assets | 13.5838% | 1,467 |
| Core capital (leverage) ratio | 13.9588% | 1,149 |
| Tier 1 risk-based capital ratio | 20.6136% | 1,460 |
| Total risk-based capital ratio | 20.9723% | 1,587 |
| Memoranda: | ||
| Average total assets | $45,449,670 | 7,001 |
| Average earning assets | $41,065,670 | 7,010 |
| Average equity | $6,383,330 | 6,580 |
| Average total loans | $37,717,000 | 6,307 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4263% | 1,004 |
| Cost of funding earning assets | 1.9129% | 4,564 |
| Net interest margin | 4.5134% | 1,104 |
| Noninterest income to average assets | 0.3221% | 5,877 |
| Noninterest expense to average assets | 3.9992% | 1,188 |
| Loan and lease loss provision to assets | 0.0895% | 5,819 |
| Net operating income to assets | 0.2058% | 5,642 |
| Return on assets (ROA) | 0.2058% | 5,808 |
| Pretax return on assets | 0.2863% | 5,710 |
| Return on Equity (ROE) | 1.4403% | 5,989 |
| Retained earnings to average equity (ytd only) | 1.4403% | 5,045 |
| Net charge-offs to loans | 0.1049% | 4,126 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 4.2000% | 2,946 |
| Efficiency ratio | 91.4110% | 1,625 |
| Assets per employee ($millions) | 2.6395% | 7,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3309% | 8,009 |
| Loan loss allowance to noncurrent loans | 32.5521% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 1.4151% | 3,819 |
| Noncurrent loans to loans | 1.0165% | 4,966 |
| Net loans and leases to total assets | 83.9076% | 701 |
| Net loans and leases to deposits | 99.2461% | 1,503 |
| Net loans and leases to core deposits | 101.9220% | 4,355 |
| Total domestic deposits to total assets | 84.5449% | 3,439 |
| Equity capital to assets | 14.2539% | 1,293 |
| Core capital (leverage) ratio | 14.6461% | 1,047 |
| Tier 1 risk-based capital ratio | 22.5718% | 1,236 |
| Total risk-based capital ratio | 23.0011% | 1,298 |
| Memoranda: | ||
| Average total assets | $44,709,000 | 7,071 |
| Average earning assets | $40,147,500 | 7,093 |
| Average equity | $6,387,500 | 6,622 |
| Average total loans | $38,123,500 | 6,327 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4781% | 3,072 |
| Cost of funding earning assets | 2.3269% | 5,028 |
| Net interest margin | 4.1512% | 2,496 |
| Noninterest income to average assets | 0.4270% | 5,240 |
| Noninterest expense to average assets | 4.0465% | 1,349 |
| Loan and lease loss provision to assets | 0.0760% | 6,451 |
| Net operating income to assets | 0.0984% | 6,116 |
| Return on assets (ROA) | 0.0984% | 5,963 |
| Pretax return on assets | 0.0894% | 5,967 |
| Return on Equity (ROE) | 0.7108% | 6,008 |
| Retained earnings to average equity (ytd only) | 0.7108% | 4,805 |
| Net charge-offs to loans | 0.0889% | 5,469 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 2.1765% | 4,985 |
| Efficiency ratio | 96.0722% | 1,149 |
| Assets per employee ($millions) | 2.7841% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3249% | 8,068 |
| Loan loss allowance to noncurrent loans | 22.7687% | 7,112 |
| Noncurrent assets plus other real estate owned to assets | 1.6410% | 2,966 |
| Noncurrent loans to loans | 1.4270% | 3,663 |
| Net loans and leases to total assets | 86.0818% | 597 |
| Net loans and leases to deposits | 104.5733% | 1,282 |
| Net loans and leases to core deposits | 107.3757% | 4,035 |
| Total domestic deposits to total assets | 82.3172% | 4,080 |
| Equity capital to assets | 14.3200% | 1,344 |
| Core capital (leverage) ratio | 14.7151% | 1,087 |
| Tier 1 risk-based capital ratio | 22.2460% | 1,285 |
| Total risk-based capital ratio | 22.6702% | 1,367 |
| Memoranda: | ||
| Average total assets | $44,730,400 | 7,001 |
| Average earning assets | $40,783,600 | 7,008 |
| Average equity | $6,190,000 | 6,744 |
| Average total loans | $38,228,200 | 6,260 |