Home > North Adams State Bank > Performance and Condition Ratios
North Adams State Bank, 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 | 4.7264% | 2,618 |
| Cost of funding earning assets | 0.8572% | 3,599 |
| Net interest margin | 3.8693% | 1,442 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 3.1022% | 955 |
| Loan and lease loss provision to assets | -0.1500% | 4,547 |
| Net operating income to assets | 0.7553% | 3,031 |
| Return on assets (ROA) | 0.7553% | 3,007 |
| Pretax return on assets | 0.9067% | 2,946 |
| Return on Equity (ROE) | 5.8300% | 3,553 |
| Retained earnings to average equity (ytd only) | -35.6719% | 4,548 |
| Net charge-offs to loans | -0.1793% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.3754% | 892 |
| Assets per employee ($millions) | 4.5088% | 3,950 |
| Cash dividends to net income (ytd only)* | 712.2093% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,183 |
| Loan loss allowance to noncurrent loans | 1,059.2593% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,174 |
| Noncurrent loans to loans | 0.1151% | 2,949 |
| Net loans and leases to total assets | 51.4000% | 3,515 |
| Net loans and leases to deposits | 58.7214% | 3,597 |
| Net loans and leases to core deposits | 60.6168% | 3,743 |
| Total domestic deposits to total assets | 87.5300% | 1,506 |
| Equity capital to assets | 11.8280% | 1,191 |
| Core capital (leverage) ratio | 13.0749% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $45,547,800 | 4,351 |
| Average earning assets | $41,765,000 | 4,328 |
| Average equity | $5,903,800 | 4,170 |
| Average total loans | $24,544,200 | 4,225 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 2,692 |
| Cost of funding earning assets | 0.7928% | 3,537 |
| Net interest margin | 3.8011% | 1,593 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.5271% | 2,146 |
| Loan and lease loss provision to assets | -0.1400% | 4,565 |
| Net operating income to assets | 1.1102% | 2,021 |
| Return on assets (ROA) | 1.1102% | 2,000 |
| Pretax return on assets | 1.3994% | 1,782 |
| Return on Equity (ROE) | 8.4100% | 3,083 |
| Retained earnings to average equity (ytd only) | 8.4137% | 1,835 |
| Net charge-offs to loans | -0.0645% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.7954% | 2,180 |
| Assets per employee ($millions) | 4.6950% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 2,716 |
| Loan loss allowance to noncurrent loans | 1,436.8421% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,394 |
| Noncurrent loans to loans | 0.0788% | 3,195 |
| Net loans and leases to total assets | 50.7600% | 3,567 |
| Net loans and leases to deposits | 58.5491% | 3,580 |
| Net loans and leases to core deposits | 59.8503% | 3,714 |
| Total domestic deposits to total assets | 86.7000% | 1,980 |
| Equity capital to assets | 12.9393% | 826 |
| Core capital (leverage) ratio | 15.4398% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $45,638,000 | 4,363 |
| Average earning assets | $41,706,000 | 4,351 |
| Average equity | $6,021,750 | 4,169 |
| Average total loans | $24,815,000 | 4,233 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 3,343 |
| Cost of funding earning assets | 0.7109% | 3,454 |
| Net interest margin | 3.4675% | 2,350 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.5663% | 2,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7478% | 3,222 |
| Return on assets (ROA) | 0.7478% | 3,242 |
| Pretax return on assets | 0.9469% | 3,054 |
| Return on Equity (ROE) | 5.6300% | 3,776 |
| Retained earnings to average equity (ytd only) | 5.6296% | 2,747 |
| Net charge-offs to loans | -0.0240% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.0479% | 1,451 |
| Assets per employee ($millions) | 4.6554% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,124 |
| Loan loss allowance to noncurrent loans | 33.9848% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.9783% | 141 |
| Noncurrent loans to loans | 3.7095% | 102 |
| Net loans and leases to total assets | 52.6600% | 3,360 |
| Net loans and leases to deposits | 60.6162% | 3,383 |
| Net loans and leases to core deposits | 61.9660% | 3,541 |
| Total domestic deposits to total assets | 86.8700% | 1,969 |
| Equity capital to assets | 12.9226% | 826 |
| Core capital (leverage) ratio | 15.1551% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $45,200,667 | 4,388 |
| Average earning assets | $41,356,000 | 4,377 |
| Average equity | $6,004,000 | 4,192 |
| Average total loans | $25,051,333 | 4,244 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 3,385 |
| Cost of funding earning assets | 0.5836% | 3,428 |
| Net interest margin | 3.4521% | 2,491 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.6143% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7187% | 3,423 |
| Return on assets (ROA) | 0.7187% | 3,378 |
| Pretax return on assets | 0.9074% | 3,213 |
| Return on Equity (ROE) | 5.3400% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.3351% | 2,943 |
| Net charge-offs to loans | -0.0159% | 4,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.2347% | 1,317 |
| Assets per employee ($millions) | 4.4536% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 2,313 |
| Loan loss allowance to noncurrent loans | 31.0689% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 2.2476% | 97 |
| Noncurrent loans to loans | 4.0111% | 87 |
| Net loans and leases to total assets | 55.3400% | 3,083 |
| Net loans and leases to deposits | 64.0213% | 3,082 |
| Net loans and leases to core deposits | 65.5138% | 3,261 |
| Total domestic deposits to total assets | 86.4400% | 2,459 |
| Equity capital to assets | 13.4767% | 675 |
| Core capital (leverage) ratio | 15.4850% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $44,524,000 | 4,467 |
| Average earning assets | $40,439,500 | 4,452 |
| Average equity | $5,998,000 | 4,243 |
| Average total loans | $25,163,000 | 4,303 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7852% | 2,318 |
| Cost of funding earning assets | 0.2390% | 3,423 |
| Net interest margin | 3.5462% | 1,792 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.6063% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7899% | 3,359 |
| Return on assets (ROA) | 0.7899% | 3,294 |
| Pretax return on assets | 1.0115% | 3,045 |
| Return on Equity (ROE) | 6.0100% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.0083% | 2,646 |
| Net charge-offs to loans | 0.0550% | 1,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 33.5714% | 1,622 |
| Efficiency ratio | 72.0405% | 1,436 |
| Assets per employee ($millions) | 4.4512% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 4,083 |
| Loan loss allowance to noncurrent loans | 18.6553% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 2.3724% | 86 |
| Noncurrent loans to loans | 4.1624% | 83 |
| Net loans and leases to total assets | 56.5500% | 2,968 |
| Net loans and leases to deposits | 65.3946% | 2,925 |
| Net loans and leases to core deposits | 66.9174% | 3,069 |
| Total domestic deposits to total assets | 86.4800% | 2,577 |
| Equity capital to assets | 13.4660% | 637 |
| Core capital (leverage) ratio | 15.5923% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $46,464,000 | 4,469 |
| Average earning assets | $43,088,600 | 4,448 |
| Average equity | $6,108,200 | 4,316 |
| Average total loans | $25,466,400 | 4,318 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 2,074 |
| Cost of funding earning assets | 0.1916% | 3,374 |
| Net interest margin | 3.4974% | 1,672 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.4507% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8917% | 2,899 |
| Return on assets (ROA) | 0.8917% | 2,881 |
| Pretax return on assets | 1.1586% | 2,528 |
| Return on Equity (ROE) | 6.8200% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.8221% | 2,438 |
| Net charge-offs to loans | 0.0837% | 715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,605 |
| Efficiency ratio | 67.8993% | 2,047 |
| Assets per employee ($millions) | 3.9818% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7578% | 4,166 |
| Loan loss allowance to noncurrent loans | 17.5518% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.5365% | 82 |
| Noncurrent loans to loans | 4.3177% | 80 |
| Net loans and leases to total assets | 58.3000% | 2,662 |
| Net loans and leases to deposits | 67.2513% | 2,613 |
| Net loans and leases to core deposits | 68.8376% | 2,733 |
| Total domestic deposits to total assets | 86.6900% | 2,856 |
| Equity capital to assets | 13.2306% | 647 |
| Core capital (leverage) ratio | 15.1433% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $46,952,000 | 4,501 |
| Average earning assets | $43,841,000 | 4,474 |
| Average equity | $6,136,750 | 4,359 |
| Average total loans | $25,490,500 | 4,350 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6055% | 1,832 |
| Cost of funding earning assets | 0.1872% | 3,083 |
| Net interest margin | 3.4183% | 1,542 |
| Noninterest income to average assets | 0.3500% | 3,061 |
| Noninterest expense to average assets | 2.3874% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8875% | 2,634 |
| Return on assets (ROA) | 0.8875% | 2,607 |
| Pretax return on assets | 1.1583% | 2,216 |
| Return on Equity (ROE) | 6.8153% | 3,356 |
| Retained earnings to average equity (ytd only) | 6.8153% | 2,043 |
| Net charge-offs to loans | 0.1023% | 577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 21.3846% | 1,526 |
| Efficiency ratio | 67.3325% | 2,335 |
| Assets per employee ($millions) | 3.7578% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 4,222 |
| Loan loss allowance to noncurrent loans | 17.1429% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 2.5613% | 82 |
| Noncurrent loans to loans | 4.4874% | 77 |
| Net loans and leases to total assets | 56.6395% | 2,685 |
| Net loans and leases to deposits | 65.1357% | 2,625 |
| Net loans and leases to core deposits | 66.6188% | 2,774 |
| Total domestic deposits to total assets | 86.9561% | 2,952 |
| Equity capital to assets | 12.9729% | 669 |
| Core capital (leverage) ratio | 13.7648% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,002,667 | 4,535 |
| Average earning assets | $44,876,333 | 4,522 |
| Average equity | $6,250,667 | 4,391 |
| Average total loans | $25,410,333 | 4,404 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 1,468 |
| Cost of funding earning assets | 0.1815% | 3,071 |
| Net interest margin | 3.4321% | 1,229 |
| Noninterest income to average assets | 0.2992% | 3,328 |
| Noninterest expense to average assets | 2.3050% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9220% | 2,194 |
| Return on assets (ROA) | 0.9220% | 2,184 |
| Pretax return on assets | 1.2051% | 1,790 |
| Return on Equity (ROE) | 7.0687% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.0687% | 1,875 |
| Net charge-offs to loans | 0.2377% | 264 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 9.9333% | 1,471 |
| Efficiency ratio | 65.6682% | 2,805 |
| Assets per employee ($millions) | 4.1207% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 4,258 |
| Loan loss allowance to noncurrent loans | 20.9227% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.8848% | 160 |
| Noncurrent loans to loans | 3.7814% | 112 |
| Net loans and leases to total assets | 49.4499% | 3,231 |
| Net loans and leases to deposits | 62.5915% | 2,664 |
| Net loans and leases to core deposits | 64.0256% | 2,792 |
| Total domestic deposits to total assets | 79.0042% | 4,347 |
| Equity capital to assets | 12.6861% | 764 |
| Core capital (leverage) ratio | 13.1021% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,457,000 | 4,540 |
| Average earning assets | $46,268,500 | 4,526 |
| Average equity | $6,451,000 | 4,418 |
| Average total loans | $25,246,000 | 4,422 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 1,458 |
| Cost of funding earning assets | 0.2394% | 3,050 |
| Net interest margin | 3.7195% | 1,170 |
| Noninterest income to average assets | 0.2681% | 3,783 |
| Noninterest expense to average assets | 2.4814% | 2,240 |
| Loan and lease loss provision to assets | 0.1170% | 1,072 |
| Net operating income to assets | 0.9066% | 3,012 |
| Return on assets (ROA) | 0.9066% | 3,078 |
| Pretax return on assets | 1.1747% | 2,750 |
| Return on Equity (ROE) | 6.5824% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.5824% | 2,089 |
| Net charge-offs to loans | 0.1583% | 606 |
| Credit loss provision to net charge-offs | 130.9524% | 1,571 |
| Earnings coverage of net charge-offs (x) | 14.4524% | 2,030 |
| Efficiency ratio | 65.7642% | 2,291 |
| Assets per employee ($millions) | 4.9466% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 4,241 |
| Loan loss allowance to noncurrent loans | 124.8521% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 1,859 |
| Noncurrent loans to loans | 0.6539% | 1,527 |
| Net loans and leases to total assets | 51.8215% | 3,086 |
| Net loans and leases to deposits | 66.3045% | 2,483 |
| Net loans and leases to core deposits | 67.8399% | 2,663 |
| Total domestic deposits to total assets | 78.1567% | 4,379 |
| Equity capital to assets | 13.4011% | 792 |
| Core capital (leverage) ratio | 13.0009% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,989,400 | 4,593 |
| Average earning assets | $44,280,400 | 4,570 |
| Average equity | $6,471,800 | 4,481 |
| Average total loans | $26,529,200 | 4,446 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9269% | 1,688 |
| Cost of funding earning assets | 0.2460% | 3,153 |
| Net interest margin | 3.6809% | 1,381 |
| Noninterest income to average assets | 0.2904% | 3,715 |
| Noninterest expense to average assets | 2.4325% | 2,338 |
| Loan and lease loss provision to assets | 0.1057% | 1,144 |
| Net operating income to assets | 0.9086% | 3,219 |
| Return on assets (ROA) | 0.9086% | 3,297 |
| Pretax return on assets | 1.2364% | 2,814 |
| Return on Equity (ROE) | 6.5499% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.5499% | 2,599 |
| Net charge-offs to loans | 0.1099% | 696 |
| Credit loss provision to net charge-offs | 168.1818% | 1,289 |
| Earnings coverage of net charge-offs (x) | 21.2273% | 1,710 |
| Efficiency ratio | 64.4326% | 2,326 |
| Assets per employee ($millions) | 4.0658% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7927% | 4,358 |
| Loan loss allowance to noncurrent loans | 87.6543% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 1,537 |
| Noncurrent loans to loans | 0.9044% | 1,272 |
| Net loans and leases to total assets | 54.6341% | 2,888 |
| Net loans and leases to deposits | 70.2602% | 2,212 |
| Net loans and leases to core deposits | 71.9169% | 2,432 |
| Total domestic deposits to total assets | 77.7598% | 4,442 |
| Equity capital to assets | 13.5171% | 846 |
| Core capital (leverage) ratio | 13.0621% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,370,250 | 4,667 |
| Average earning assets | $43,901,500 | 4,638 |
| Average equity | $6,432,500 | 4,549 |
| Average total loans | $26,700,250 | 4,500 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9543% | 1,669 |
| Cost of funding earning assets | 0.2550% | 3,243 |
| Net interest margin | 3.6993% | 1,353 |
| Noninterest income to average assets | 0.2853% | 3,716 |
| Noninterest expense to average assets | 2.4713% | 2,237 |
| Loan and lease loss provision to assets | 0.1449% | 831 |
| Net operating income to assets | 0.8516% | 3,361 |
| Return on assets (ROA) | 0.8516% | 3,435 |
| Pretax return on assets | 1.1720% | 2,988 |
| Return on Equity (ROE) | 6.0831% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.0831% | 2,769 |
| Net charge-offs to loans | 0.1651% | 506 |
| Credit loss provision to net charge-offs | 150.0000% | 1,162 |
| Earnings coverage of net charge-offs (x) | 13.6364% | 1,692 |
| Efficiency ratio | 65.2375% | 2,265 |
| Assets per employee ($millions) | 4.3009% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7980% | 4,368 |
| Loan loss allowance to noncurrent loans | 84.6154% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 1,588 |
| Noncurrent loans to loans | 0.9431% | 1,310 |
| Net loans and leases to total assets | 54.9186% | 3,031 |
| Net loans and leases to deposits | 71.4498% | 2,260 |
| Net loans and leases to core deposits | 73.2073% | 2,495 |
| Total domestic deposits to total assets | 76.8632% | 4,521 |
| Equity capital to assets | 13.6567% | 796 |
| Core capital (leverage) ratio | 12.9089% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,563,667 | 4,700 |
| Average earning assets | $43,143,000 | 4,669 |
| Average equity | $6,378,333 | 4,581 |
| Average total loans | $26,644,000 | 4,534 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 1,911 |
| Cost of funding earning assets | 0.2655% | 3,323 |
| Net interest margin | 3.6036% | 1,573 |
| Noninterest income to average assets | 0.2685% | 3,790 |
| Noninterest expense to average assets | 2.4882% | 2,207 |
| Loan and lease loss provision to assets | 0.0448% | 2,176 |
| Net operating income to assets | 0.8503% | 3,268 |
| Return on assets (ROA) | 0.8503% | 3,349 |
| Pretax return on assets | 1.1367% | 3,025 |
| Return on Equity (ROE) | 5.9965% | 3,861 |
| Retained earnings to average equity (ytd only) | 5.9965% | 2,903 |
| Net charge-offs to loans | 0.3275% | 260 |
| Credit loss provision to net charge-offs | 22.7273% | 1,412 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 1,660 |
| Efficiency ratio | 67.8049% | 1,957 |
| Assets per employee ($millions) | 4.2359% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6704% | 4,610 |
| Loan loss allowance to noncurrent loans | 122.2973% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 2,555 |
| Noncurrent loans to loans | 0.5481% | 2,219 |
| Net loans and leases to total assets | 57.5577% | 2,850 |
| Net loans and leases to deposits | 74.9972% | 2,023 |
| Net loans and leases to core deposits | 76.8717% | 2,278 |
| Total domestic deposits to total assets | 76.7464% | 4,537 |
| Equity capital to assets | 13.6345% | 760 |
| Core capital (leverage) ratio | 13.3991% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,690,500 | 4,729 |
| Average earning assets | $42,180,000 | 4,699 |
| Average equity | $6,337,000 | 4,604 |
| Average total loans | $26,870,500 | 4,553 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 1,402 |
| Cost of funding earning assets | 0.5638% | 2,540 |
| Net interest margin | 3.9001% | 1,212 |
| Noninterest income to average assets | 0.3210% | 3,538 |
| Noninterest expense to average assets | 2.8235% | 1,884 |
| Loan and lease loss provision to assets | 0.1605% | 2,367 |
| Net operating income to assets | 0.7652% | 3,220 |
| Return on assets (ROA) | 0.7709% | 3,321 |
| Pretax return on assets | 0.9947% | 3,059 |
| Return on Equity (ROE) | 5.2390% | 3,837 |
| Retained earnings to average equity (ytd only) | 5.2390% | 2,170 |
| Net charge-offs to loans | 0.0792% | 1,680 |
| Credit loss provision to net charge-offs | 314.2857% | 1,683 |
| Earnings coverage of net charge-offs (x) | 22.4762% | 1,851 |
| Efficiency ratio | 71.0961% | 1,799 |
| Assets per employee ($millions) | 3.8896% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7404% | 4,521 |
| Loan loss allowance to noncurrent loans | 74.4361% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 1,693 |
| Noncurrent loans to loans | 0.9947% | 1,423 |
| Net loans and leases to total assets | 62.0366% | 2,608 |
| Net loans and leases to deposits | 82.9365% | 1,552 |
| Net loans and leases to core deposits | 84.3170% | 2,009 |
| Total domestic deposits to total assets | 74.8002% | 4,586 |
| Equity capital to assets | 14.7735% | 612 |
| Core capital (leverage) ratio | 13.6052% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,119,200 | 4,756 |
| Average earning assets | $38,486,400 | 4,733 |
| Average equity | $6,050,800 | 4,640 |
| Average total loans | $26,501,400 | 4,591 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 1,663 |
| Cost of funding earning assets | 0.6258% | 2,452 |
| Net interest margin | 3.8385% | 1,508 |
| Noninterest income to average assets | 0.3079% | 3,648 |
| Noninterest expense to average assets | 2.8761% | 1,754 |
| Loan and lease loss provision to assets | 0.1106% | 2,937 |
| Net operating income to assets | 0.6867% | 3,498 |
| Return on assets (ROA) | 0.6945% | 3,574 |
| Pretax return on assets | 0.9270% | 3,305 |
| Return on Equity (ROE) | 4.7242% | 3,966 |
| Retained earnings to average equity (ytd only) | 4.7242% | 2,681 |
| Net charge-offs to loans | 0.0857% | 1,454 |
| Credit loss provision to net charge-offs | 200.0000% | 2,110 |
| Earnings coverage of net charge-offs (x) | 18.4706% | 1,959 |
| Efficiency ratio | 73.6577% | 1,442 |
| Assets per employee ($millions) | 3.6475% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5991% | 4,724 |
| Loan loss allowance to noncurrent loans | 202.3810% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 3,476 |
| Noncurrent loans to loans | 0.2960% | 3,217 |
| Net loans and leases to total assets | 64.4391% | 2,713 |
| Net loans and leases to deposits | 85.3301% | 1,775 |
| Net loans and leases to core deposits | 86.6992% | 2,256 |
| Total domestic deposits to total assets | 75.5175% | 4,466 |
| Equity capital to assets | 14.1741% | 812 |
| Core capital (leverage) ratio | 13.4203% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,702,500 | 4,789 |
| Average earning assets | $38,139,250 | 4,764 |
| Average equity | $5,983,250 | 4,664 |
| Average total loans | $26,441,500 | 4,617 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 1,828 |
| Cost of funding earning assets | 0.6897% | 2,449 |
| Net interest margin | 3.8416% | 1,708 |
| Noninterest income to average assets | 0.2923% | 3,718 |
| Noninterest expense to average assets | 2.9486% | 1,722 |
| Loan and lease loss provision to assets | 0.1613% | 2,387 |
| Net operating income to assets | 0.5727% | 3,825 |
| Return on assets (ROA) | 0.5847% | 3,867 |
| Pretax return on assets | 0.7913% | 3,614 |
| Return on Equity (ROE) | 3.9258% | 4,127 |
| Retained earnings to average equity (ytd only) | 3.9258% | 2,948 |
| Net charge-offs to loans | 0.0853% | 1,398 |
| Credit loss provision to net charge-offs | 290.9091% | 1,646 |
| Earnings coverage of net charge-offs (x) | 16.9091% | 1,837 |
| Efficiency ratio | 75.8755% | 1,278 |
| Assets per employee ($millions) | 3.3601% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6628% | 4,646 |
| Loan loss allowance to noncurrent loans | 78.3784% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 2,317 |
| Noncurrent loans to loans | 0.8456% | 1,800 |
| Net loans and leases to total assets | 59.7010% | 3,361 |
| Net loans and leases to deposits | 79.6372% | 2,474 |
| Net loans and leases to core deposits | 80.3018% | 2,922 |
| Total domestic deposits to total assets | 74.9662% | 4,523 |
| Equity capital to assets | 13.9168% | 873 |
| Core capital (leverage) ratio | 14.0368% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,680,000 | 4,826 |
| Average earning assets | $37,119,667 | 4,802 |
| Average equity | $5,909,667 | 4,697 |
| Average total loans | $25,797,000 | 4,654 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 1,225 |
| Cost of funding earning assets | 0.7437% | 2,699 |
| Net interest margin | 4.1421% | 1,048 |
| Noninterest income to average assets | 0.3079% | 3,668 |
| Noninterest expense to average assets | 3.1529% | 1,520 |
| Loan and lease loss provision to assets | 0.0531% | 3,110 |
| Net operating income to assets | 0.7180% | 3,215 |
| Return on assets (ROA) | 0.7431% | 3,194 |
| Pretax return on assets | 0.9767% | 2,912 |
| Return on Equity (ROE) | 4.8069% | 3,703 |
| Retained earnings to average equity (ytd only) | 4.8069% | 2,364 |
| Net charge-offs to loans | 0.1095% | 1,038 |
| Credit loss provision to net charge-offs | 71.4286% | 1,968 |
| Earnings coverage of net charge-offs (x) | 13.4286% | 1,649 |
| Efficiency ratio | 75.9591% | 1,566 |
| Assets per employee ($millions) | 2.8548% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6006% | 4,756 |
| Loan loss allowance to noncurrent loans | 86.7816% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 2,592 |
| Noncurrent loans to loans | 0.6921% | 2,266 |
| Net loans and leases to total assets | 67.3340% | 2,644 |
| Net loans and leases to deposits | 81.8801% | 2,468 |
| Net loans and leases to core deposits | 84.0531% | 2,849 |
| Total domestic deposits to total assets | 82.2349% | 3,348 |
| Equity capital to assets | 15.5637% | 661 |
| Core capital (leverage) ratio | 15.1987% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,679,500 | 4,883 |
| Average earning assets | $34,958,000 | 4,867 |
| Average equity | $5,825,000 | 4,745 |
| Average total loans | $25,569,500 | 4,682 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 1,879 |
| Cost of funding earning assets | 0.6968% | 3,168 |
| Net interest margin | 4.1579% | 1,402 |
| Noninterest income to average assets | 0.3335% | 3,712 |
| Noninterest expense to average assets | 2.9719% | 2,090 |
| Loan and lease loss provision to assets | 0.1334% | 1,596 |
| Net operating income to assets | 0.8404% | 3,417 |
| Return on assets (ROA) | 0.8404% | 3,506 |
| Pretax return on assets | 1.0965% | 3,178 |
| Return on Equity (ROE) | 5.5626% | 4,048 |
| Retained earnings to average equity (ytd only) | 5.5626% | 2,124 |
| Net charge-offs to loans | 0.1091% | 1,642 |
| Credit loss provision to net charge-offs | 178.5714% | 1,458 |
| Earnings coverage of net charge-offs (x) | 16.4643% | 2,169 |
| Efficiency ratio | 70.7302% | 2,063 |
| Assets per employee ($millions) | 2.9421% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5885% | 4,766 |
| Loan loss allowance to noncurrent loans | 121.4286% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 3,102 |
| Noncurrent loans to loans | 0.4846% | 2,735 |
| Net loans and leases to total assets | 67.5765% | 2,742 |
| Net loans and leases to deposits | 81.9779% | 2,561 |
| Net loans and leases to core deposits | 84.0739% | 2,941 |
| Total domestic deposits to total assets | 82.4326% | 3,389 |
| Equity capital to assets | 15.3581% | 719 |
| Core capital (leverage) ratio | 14.9455% | 700 |
| Tier 1 risk-based capital ratio | 22.8207% | 929 |
| Total risk-based capital ratio | 23.4376% | 977 |
| Memoranda: | ||
| Average total assets | $37,484,200 | 4,931 |
| Average earning assets | $34,873,600 | 4,916 |
| Average equity | $5,662,800 | 4,803 |
| Average total loans | $25,656,600 | 4,736 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8061% | 2,098 |
| Cost of funding earning assets | 0.6729% | 3,340 |
| Net interest margin | 4.1332% | 1,541 |
| Noninterest income to average assets | 0.3432% | 3,672 |
| Noninterest expense to average assets | 2.9709% | 2,053 |
| Loan and lease loss provision to assets | 0.0679% | 2,525 |
| Net operating income to assets | 0.8724% | 3,442 |
| Return on assets (ROA) | 0.8724% | 3,526 |
| Pretax return on assets | 1.1691% | 3,073 |
| Return on Equity (ROE) | 5.7991% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.7991% | 2,460 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6032% | 2,036 |
| Assets per employee ($millions) | 2.9582% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5564% | 4,882 |
| Loan loss allowance to noncurrent loans | 117.1875% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 3,206 |
| Noncurrent loans to loans | 0.4748% | 2,869 |
| Net loans and leases to total assets | 69.7134% | 2,515 |
| Net loans and leases to deposits | 84.4112% | 2,405 |
| Net loans and leases to core deposits | 86.5449% | 2,864 |
| Total domestic deposits to total assets | 82.5879% | 3,285 |
| Equity capital to assets | 15.1004% | 826 |
| Core capital (leverage) ratio | 15.0048% | 736 |
| Tier 1 risk-based capital ratio | 22.6918% | 986 |
| Total risk-based capital ratio | 23.3009% | 1,037 |
| Memoranda: | ||
| Average total assets | $37,293,500 | 5,009 |
| Average earning assets | $34,871,250 | 4,989 |
| Average equity | $5,610,000 | 4,875 |
| Average total loans | $25,571,000 | 4,806 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7679% | 2,168 |
| Cost of funding earning assets | 0.6454% | 3,434 |
| Net interest margin | 4.1225% | 1,543 |
| Noninterest income to average assets | 0.4173% | 3,156 |
| Noninterest expense to average assets | 2.9534% | 2,126 |
| Loan and lease loss provision to assets | 0.0217% | 3,370 |
| Net operating income to assets | 0.9700% | 3,028 |
| Return on assets (ROA) | 0.9700% | 3,098 |
| Pretax return on assets | 1.2843% | 2,618 |
| Return on Equity (ROE) | 6.4570% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.4570% | 2,075 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3384% | 2,325 |
| Assets per employee ($millions) | 3.0744% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5241% | 4,986 |
| Loan loss allowance to noncurrent loans | 329.2683% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 4,199 |
| Noncurrent loans to loans | 0.1592% | 3,973 |
| Net loans and leases to total assets | 69.4468% | 2,608 |
| Net loans and leases to deposits | 85.6317% | 2,297 |
| Net loans and leases to core deposits | 87.9208% | 2,804 |
| Total domestic deposits to total assets | 81.0994% | 3,776 |
| Equity capital to assets | 15.4772% | 714 |
| Core capital (leverage) ratio | 15.1207% | 682 |
| Tier 1 risk-based capital ratio | 23.2508% | 921 |
| Total risk-based capital ratio | 23.8191% | 972 |
| Memoranda: | ||
| Average total assets | $36,906,000 | 5,053 |
| Average earning assets | $34,397,000 | 5,039 |
| Average equity | $5,544,330 | 4,914 |
| Average total loans | $25,108,330 | 4,854 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 2,278 |
| Cost of funding earning assets | 0.6324% | 3,395 |
| Net interest margin | 4.0522% | 1,680 |
| Noninterest income to average assets | 0.4551% | 2,825 |
| Noninterest expense to average assets | 3.0125% | 1,959 |
| Loan and lease loss provision to assets | 0.0325% | 2,978 |
| Net operating income to assets | 0.8778% | 3,320 |
| Return on assets (ROA) | 0.8778% | 3,369 |
| Pretax return on assets | 1.1595% | 2,940 |
| Return on Equity (ROE) | 5.9324% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.9324% | 2,482 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6495% | 2,087 |
| Assets per employee ($millions) | 2.7882% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5481% | 5,023 |
| Loan loss allowance to noncurrent loans | 214.5161% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 3,966 |
| Noncurrent loans to loans | 0.2555% | 3,644 |
| Net loans and leases to total assets | 66.5784% | 2,964 |
| Net loans and leases to deposits | 81.8450% | 2,620 |
| Net loans and leases to core deposits | 84.0602% | 3,024 |
| Total domestic deposits to total assets | 81.3469% | 3,896 |
| Equity capital to assets | 15.2624% | 696 |
| Core capital (leverage) ratio | 14.9333% | 717 |
| Tier 1 risk-based capital ratio | 23.8621% | 854 |
| Total risk-based capital ratio | 24.4470% | 895 |
| Memoranda: | ||
| Average total assets | $36,912,500 | 5,109 |
| Average earning assets | $34,154,500 | 5,097 |
| Average equity | $5,461,500 | 4,971 |
| Average total loans | $24,784,500 | 4,910 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 1,742 |
| Cost of funding earning assets | 0.5147% | 3,259 |
| Net interest margin | 4.2121% | 1,364 |
| Noninterest income to average assets | 0.3743% | 3,588 |
| Noninterest expense to average assets | 3.0692% | 1,872 |
| Loan and lease loss provision to assets | 0.0294% | 3,590 |
| Net operating income to assets | 0.9090% | 3,408 |
| Return on assets (ROA) | 0.9090% | 3,397 |
| Pretax return on assets | 1.1924% | 2,911 |
| Return on Equity (ROE) | 6.5427% | 3,990 |
| Retained earnings to average equity (ytd only) | 6.5427% | 1,902 |
| Net charge-offs to loans | 0.0612% | 2,257 |
| Credit loss provision to net charge-offs | 68.7500% | 3,006 |
| Earnings coverage of net charge-offs (x) | 28.5625% | 1,646 |
| Efficiency ratio | 71.5265% | 1,967 |
| Assets per employee ($millions) | 2.6842% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5177% | 5,098 |
| Loan loss allowance to noncurrent loans | 354.0541% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 4,335 |
| Noncurrent loans to loans | 0.1462% | 4,087 |
| Net loans and leases to total assets | 66.9869% | 3,005 |
| Net loans and leases to deposits | 81.1195% | 2,836 |
| Net loans and leases to core deposits | 83.1918% | 3,164 |
| Total domestic deposits to total assets | 82.5780% | 3,460 |
| Equity capital to assets | 14.3458% | 878 |
| Core capital (leverage) ratio | 14.3872% | 823 |
| Tier 1 risk-based capital ratio | 22.9978% | 921 |
| Total risk-based capital ratio | 23.5616% | 963 |
| Memoranda: | ||
| Average total assets | $37,404,400 | 5,136 |
| Average earning assets | $34,780,600 | 5,118 |
| Average equity | $5,196,600 | 5,022 |
| Average total loans | $26,147,400 | 4,903 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7086% | 1,649 |
| Cost of funding earning assets | 0.4697% | 3,395 |
| Net interest margin | 4.2388% | 1,263 |
| Noninterest income to average assets | 0.3569% | 3,744 |
| Noninterest expense to average assets | 3.0834% | 1,806 |
| Loan and lease loss provision to assets | 0.0143% | 3,720 |
| Net operating income to assets | 0.9493% | 3,309 |
| Return on assets (ROA) | 0.9493% | 3,322 |
| Pretax return on assets | 1.2205% | 2,911 |
| Return on Equity (ROE) | 6.8893% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.8893% | 2,183 |
| Net charge-offs to loans | 0.0809% | 1,712 |
| Credit loss provision to net charge-offs | 25.0000% | 2,992 |
| Earnings coverage of net charge-offs (x) | 21.6278% | 1,912 |
| Efficiency ratio | 71.4050% | 1,977 |
| Assets per employee ($millions) | 2.4953% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4848% | 5,207 |
| Loan loss allowance to noncurrent loans | 187.8788% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 4,070 |
| Noncurrent loans to loans | 0.2581% | 3,764 |
| Net loans and leases to total assets | 67.9981% | 2,940 |
| Net loans and leases to deposits | 82.1026% | 2,806 |
| Net loans and leases to core deposits | 84.1940% | 3,138 |
| Total domestic deposits to total assets | 82.8208% | 3,369 |
| Equity capital to assets | 13.9945% | 963 |
| Core capital (leverage) ratio | 14.1682% | 892 |
| Tier 1 risk-based capital ratio | 22.9483% | 939 |
| Total risk-based capital ratio | 23.4882% | 1,001 |
| Memoranda: | ||
| Average total assets | $37,360,750 | 5,201 |
| Average earning assets | $34,914,250 | 5,176 |
| Average equity | $5,148,000 | 5,089 |
| Average total loans | $26,358,250 | 4,957 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6604% | 1,614 |
| Cost of funding earning assets | 0.4455% | 3,383 |
| Net interest margin | 4.2149% | 1,248 |
| Noninterest income to average assets | 0.3964% | 3,514 |
| Noninterest expense to average assets | 3.0907% | 1,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9856% | 3,084 |
| Return on assets (ROA) | 0.9856% | 3,085 |
| Pretax return on assets | 1.2588% | 2,683 |
| Return on Equity (ROE) | 7.1903% | 3,835 |
| Retained earnings to average equity (ytd only) | 7.1903% | 1,983 |
| Net charge-offs to loans | -0.0601% | 4,980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0591% | 2,152 |
| Assets per employee ($millions) | 2.4692% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5497% | 5,196 |
| Loan loss allowance to noncurrent loans | 87.2727% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 2,945 |
| Noncurrent loans to loans | 0.6298% | 2,533 |
| Net loans and leases to total assets | 70.3413% | 2,528 |
| Net loans and leases to deposits | 84.8908% | 2,439 |
| Net loans and leases to core deposits | 87.1338% | 2,807 |
| Total domestic deposits to total assets | 82.8608% | 3,451 |
| Equity capital to assets | 13.9856% | 932 |
| Core capital (leverage) ratio | 13.8880% | 935 |
| Tier 1 risk-based capital ratio | 22.0269% | 1,033 |
| Total risk-based capital ratio | 22.6383% | 1,091 |
| Memoranda: | ||
| Average total assets | $37,338,000 | 5,264 |
| Average earning assets | $35,018,670 | 5,235 |
| Average equity | $5,118,000 | 5,148 |
| Average total loans | $26,619,330 | 5,005 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 1,591 |
| Cost of funding earning assets | 0.4446% | 3,248 |
| Net interest margin | 4.1500% | 1,298 |
| Noninterest income to average assets | 0.3841% | 3,573 |
| Noninterest expense to average assets | 3.0943% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9176% | 3,218 |
| Return on assets (ROA) | 0.9176% | 3,230 |
| Pretax return on assets | 1.1737% | 2,875 |
| Return on Equity (ROE) | 6.7623% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.7623% | 2,381 |
| Net charge-offs to loans | -0.1193% | 5,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5000% | 2,123 |
| Assets per employee ($millions) | 2.9027% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5314% | 5,290 |
| Loan loss allowance to noncurrent loans | 64.8649% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 2,561 |
| Noncurrent loans to loans | 0.8192% | 2,179 |
| Net loans and leases to total assets | 71.4324% | 2,264 |
| Net loans and leases to deposits | 85.5959% | 2,217 |
| Net loans and leases to core deposits | 87.7927% | 2,647 |
| Total domestic deposits to total assets | 83.4530% | 3,525 |
| Equity capital to assets | 13.4809% | 1,048 |
| Core capital (leverage) ratio | 13.5252% | 1,000 |
| Tier 1 risk-based capital ratio | 20.5276% | 1,258 |
| Total risk-based capital ratio | 21.1085% | 1,341 |
| Memoranda: | ||
| Average total assets | $37,488,000 | 5,319 |
| Average earning assets | $35,084,000 | 5,291 |
| Average equity | $5,087,000 | 5,203 |
| Average total loans | $26,830,500 | 5,051 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 1,950 |
| Cost of funding earning assets | 0.3077% | 4,059 |
| Net interest margin | 4.1193% | 1,375 |
| Noninterest income to average assets | 0.4542% | 3,283 |
| Noninterest expense to average assets | 3.0935% | 1,879 |
| Loan and lease loss provision to assets | 0.2742% | 652 |
| Net operating income to assets | 0.6855% | 3,657 |
| Return on assets (ROA) | 0.6855% | 3,710 |
| Pretax return on assets | 0.9483% | 3,745 |
| Return on Equity (ROE) | 4.8002% | 4,246 |
| Retained earnings to average equity (ytd only) | 4.8002% | 2,259 |
| Net charge-offs to loans | 0.9305% | 203 |
| Credit loss provision to net charge-offs | 42.2907% | 3,420 |
| Earnings coverage of net charge-offs (x) | 1.8855% | 3,838 |
| Efficiency ratio | 71.6744% | 2,282 |
| Assets per employee ($millions) | 2.8647% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5120% | 5,371 |
| Loan loss allowance to noncurrent loans | 63.2558% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 2,397 |
| Noncurrent loans to loans | 0.8094% | 2,189 |
| Net loans and leases to total assets | 70.9594% | 2,377 |
| Net loans and leases to deposits | 85.1573% | 2,356 |
| Net loans and leases to core deposits | 87.3731% | 2,777 |
| Total domestic deposits to total assets | 83.3275% | 3,453 |
| Equity capital to assets | 13.6597% | 1,001 |
| Core capital (leverage) ratio | 13.5243% | 958 |
| Tier 1 risk-based capital ratio | 20.0932% | 1,297 |
| Total risk-based capital ratio | 20.6393% | 1,410 |
| Memoranda: | ||
| Average total assets | $35,008,600 | 5,413 |
| Average earning assets | $32,820,800 | 5,389 |
| Average equity | $4,999,800 | 5,272 |
| Average total loans | $24,395,800 | 5,181 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 2,005 |
| Cost of funding earning assets | 0.2714% | 4,396 |
| Net interest margin | 4.1121% | 1,363 |
| Noninterest income to average assets | 0.4915% | 3,079 |
| Noninterest expense to average assets | 3.0652% | 1,905 |
| Loan and lease loss provision to assets | 0.0387% | 3,331 |
| Net operating income to assets | 0.8437% | 3,304 |
| Return on assets (ROA) | 0.8437% | 3,352 |
| Pretax return on assets | 1.2578% | 2,674 |
| Return on Equity (ROE) | 5.8389% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.8389% | 2,346 |
| Net charge-offs to loans | 0.2571% | 841 |
| Credit loss provision to net charge-offs | 21.7391% | 3,143 |
| Earnings coverage of net charge-offs (x) | 7.2829% | 2,894 |
| Efficiency ratio | 70.2751% | 2,494 |
| Assets per employee ($millions) | 2.9251% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 4,539 |
| Loan loss allowance to noncurrent loans | 71.5170% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1253% | 1,470 |
| Noncurrent loans to loans | 1.2681% | 1,511 |
| Net loans and leases to total assets | 71.9068% | 2,264 |
| Net loans and leases to deposits | 87.5902% | 2,119 |
| Net loans and leases to core deposits | 90.0432% | 2,606 |
| Total domestic deposits to total assets | 82.0945% | 3,747 |
| Equity capital to assets | 14.5608% | 841 |
| Core capital (leverage) ratio | 14.6121% | 743 |
| Tier 1 risk-based capital ratio | 20.8356% | 1,227 |
| Total risk-based capital ratio | 21.8017% | 1,241 |
| Memoranda: | ||
| Average total assets | $34,450,500 | 5,489 |
| Average earning assets | $32,424,000 | 5,454 |
| Average equity | $4,978,000 | 5,333 |
| Average total loans | $23,854,250 | 5,250 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3112% | 2,089 |
| Cost of funding earning assets | 0.2540% | 4,506 |
| Net interest margin | 4.0572% | 1,440 |
| Noninterest income to average assets | 0.5024% | 3,008 |
| Noninterest expense to average assets | 3.1373% | 1,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8238% | 3,277 |
| Return on assets (ROA) | 0.8238% | 3,333 |
| Pretax return on assets | 1.1918% | 2,797 |
| Return on Equity (ROE) | 5.7158% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.7158% | 2,279 |
| Net charge-offs to loans | 0.3946% | 519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.4348% | 2,930 |
| Efficiency ratio | 72.4696% | 2,269 |
| Assets per employee ($millions) | 2.7921% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 4,524 |
| Loan loss allowance to noncurrent loans | 87.3518% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 1,807 |
| Noncurrent loans to loans | 1.0625% | 1,846 |
| Net loans and leases to total assets | 70.4074% | 2,465 |
| Net loans and leases to deposits | 83.2275% | 2,575 |
| Net loans and leases to core deposits | 85.5951% | 2,921 |
| Total domestic deposits to total assets | 84.5963% | 2,980 |
| Equity capital to assets | 15.0425% | 697 |
| Core capital (leverage) ratio | 14.4100% | 762 |
| Tier 1 risk-based capital ratio | 22.1380% | 1,035 |
| Total risk-based capital ratio | 23.1356% | 1,044 |
| Memoranda: | ||
| Average total assets | $34,233,670 | 5,535 |
| Average earning assets | $32,288,000 | 5,503 |
| Average equity | $4,933,670 | 5,376 |
| Average total loans | $23,315,330 | 5,306 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1136% | 2,604 |
| Cost of funding earning assets | 0.2579% | 4,472 |
| Net interest margin | 3.8557% | 1,935 |
| Noninterest income to average assets | 0.4625% | 3,235 |
| Noninterest expense to average assets | 3.1100% | 1,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6937% | 3,740 |
| Return on assets (ROA) | 0.6937% | 3,776 |
| Pretax return on assets | 0.9827% | 3,439 |
| Return on Equity (ROE) | 4.9175% | 4,424 |
| Retained earnings to average equity (ytd only) | 4.9175% | 2,934 |
| Net charge-offs to loans | 0.0347% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 988 |
| Efficiency ratio | 75.9887% | 1,908 |
| Assets per employee ($millions) | 2.4868% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 3,326 |
| Loan loss allowance to noncurrent loans | 80.3030% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.1547% | 1,529 |
| Noncurrent loans to loans | 1.4528% | 1,385 |
| Net loans and leases to total assets | 64.4837% | 3,202 |
| Net loans and leases to deposits | 75.2951% | 3,273 |
| Net loans and leases to core deposits | 77.3231% | 3,529 |
| Total domestic deposits to total assets | 85.6412% | 2,817 |
| Equity capital to assets | 14.1261% | 869 |
| Core capital (leverage) ratio | 13.8481% | 881 |
| Tier 1 risk-based capital ratio | 22.6065% | 1,023 |
| Total risk-based capital ratio | 23.8484% | 1,000 |
| Memoranda: | ||
| Average total assets | $34,598,000 | 5,584 |
| Average earning assets | $32,575,000 | 5,566 |
| Average equity | $4,880,500 | 5,439 |
| Average total loans | $23,067,500 | 5,371 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 1,975 |
| Cost of funding earning assets | 0.2689% | 4,379 |
| Net interest margin | 4.0842% | 1,417 |
| Noninterest income to average assets | 0.4655% | 3,447 |
| Noninterest expense to average assets | 3.1031% | 2,028 |
| Loan and lease loss provision to assets | 0.0585% | 3,219 |
| Net operating income to assets | 0.7377% | 3,601 |
| Return on assets (ROA) | 0.7377% | 3,713 |
| Pretax return on assets | 1.1271% | 2,984 |
| Return on Equity (ROE) | 5.2310% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.2310% | 2,181 |
| Net charge-offs to loans | 0.0416% | 3,199 |
| Credit loss provision to net charge-offs | 200.0000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 1,165 |
| Efficiency ratio | 72.3549% | 2,535 |
| Assets per employee ($millions) | 2.8651% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 3,487 |
| Loan loss allowance to noncurrent loans | 83.4375% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.1402% | 1,621 |
| Noncurrent loans to loans | 1.3664% | 1,500 |
| Net loans and leases to total assets | 67.3424% | 2,881 |
| Net loans and leases to deposits | 78.4821% | 3,050 |
| Net loans and leases to core deposits | 80.6135% | 3,341 |
| Total domestic deposits to total assets | 85.8061% | 2,677 |
| Equity capital to assets | 14.0863% | 860 |
| Core capital (leverage) ratio | 13.6641% | 911 |
| Tier 1 risk-based capital ratio | 21.0210% | 1,203 |
| Total risk-based capital ratio | 22.1992% | 1,197 |
| Memoranda: | ||
| Average total assets | $34,159,400 | 5,647 |
| Average earning assets | $31,976,800 | 5,626 |
| Average equity | $4,817,400 | 5,494 |
| Average total loans | $24,065,600 | 5,389 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 1,926 |
| Cost of funding earning assets | 0.2709% | 4,380 |
| Net interest margin | 4.1048% | 1,372 |
| Noninterest income to average assets | 0.4535% | 3,535 |
| Noninterest expense to average assets | 3.0768% | 2,088 |
| Loan and lease loss provision to assets | 0.0430% | 3,370 |
| Net operating income to assets | 0.8093% | 3,325 |
| Return on assets (ROA) | 0.8093% | 3,463 |
| Pretax return on assets | 1.1846% | 2,892 |
| Return on Equity (ROE) | 5.7366% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.7366% | 2,336 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4805% | 2,655 |
| Assets per employee ($millions) | 2.6935% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,952 |
| Loan loss allowance to noncurrent loans | 68.0203% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.1252% | 1,797 |
| Noncurrent loans to loans | 1.5868% | 1,366 |
| Net loans and leases to total assets | 70.1451% | 2,468 |
| Net loans and leases to deposits | 81.7834% | 2,760 |
| Net loans and leases to core deposits | 83.9583% | 3,125 |
| Total domestic deposits to total assets | 85.7694% | 2,473 |
| Equity capital to assets | 14.0022% | 1,027 |
| Core capital (leverage) ratio | 13.5775% | 972 |
| Tier 1 risk-based capital ratio | 20.7101% | 1,319 |
| Total risk-based capital ratio | 21.8862% | 1,303 |
| Memoranda: | ||
| Average total assets | $34,104,000 | 5,707 |
| Average earning assets | $31,994,250 | 5,686 |
| Average equity | $4,811,000 | 5,551 |
| Average total loans | $24,227,000 | 5,435 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 1,695 |
| Cost of funding earning assets | 0.2726% | 4,417 |
| Net interest margin | 4.1716% | 1,177 |
| Noninterest income to average assets | 0.4260% | 3,685 |
| Noninterest expense to average assets | 3.1006% | 2,063 |
| Loan and lease loss provision to assets | 0.0355% | 3,445 |
| Net operating income to assets | 0.8166% | 3,236 |
| Return on assets (ROA) | 0.8166% | 3,372 |
| Pretax return on assets | 1.1834% | 2,850 |
| Return on Equity (ROE) | 5.7737% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.7737% | 2,255 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7808% | 2,698 |
| Assets per employee ($millions) | 2.6449% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 3,925 |
| Loan loss allowance to noncurrent loans | 61.8824% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 1,658 |
| Noncurrent loans to loans | 1.7849% | 1,163 |
| Net loans and leases to total assets | 68.4853% | 2,714 |
| Net loans and leases to deposits | 79.9213% | 2,938 |
| Net loans and leases to core deposits | 82.0860% | 3,262 |
| Total domestic deposits to total assets | 85.6910% | 2,562 |
| Equity capital to assets | 14.0821% | 996 |
| Core capital (leverage) ratio | 13.5945% | 949 |
| Tier 1 risk-based capital ratio | 21.3577% | 1,217 |
| Total risk-based capital ratio | 22.5657% | 1,203 |
| Memoranda: | ||
| Average total assets | $33,800,000 | 5,780 |
| Average earning assets | $31,547,000 | 5,766 |
| Average equity | $4,780,330 | 5,616 |
| Average total loans | $24,026,000 | 5,502 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4824% | 1,560 |
| Cost of funding earning assets | 0.2834% | 4,351 |
| Net interest margin | 4.1990% | 1,101 |
| Noninterest income to average assets | 0.4059% | 3,782 |
| Noninterest expense to average assets | 3.1037% | 2,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8117% | 3,179 |
| Return on assets (ROA) | 0.8117% | 3,305 |
| Pretax return on assets | 1.1937% | 2,731 |
| Return on Equity (ROE) | 5.7269% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.7269% | 2,509 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2222% | 2,767 |
| Assets per employee ($millions) | 2.6203% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 4,269 |
| Loan loss allowance to noncurrent loans | 63.9303% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1801% | 1,866 |
| Noncurrent loans to loans | 1.6621% | 1,364 |
| Net loans and leases to total assets | 70.2472% | 2,301 |
| Net loans and leases to deposits | 81.9795% | 2,546 |
| Net loans and leases to core deposits | 84.2155% | 2,918 |
| Total domestic deposits to total assets | 85.6887% | 2,813 |
| Equity capital to assets | 14.0530% | 961 |
| Core capital (leverage) ratio | 13.6725% | 919 |
| Tier 1 risk-based capital ratio | 21.3949% | 1,246 |
| Total risk-based capital ratio | 22.5954% | 1,233 |
| Memoranda: | ||
| Average total assets | $33,508,000 | 5,846 |
| Average earning assets | $31,055,000 | 5,829 |
| Average equity | $4,749,500 | 5,664 |
| Average total loans | $24,133,500 | 5,547 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 2,594 |
| Cost of funding earning assets | 0.2642% | 4,650 |
| Net interest margin | 3.9255% | 1,945 |
| Noninterest income to average assets | 0.4412% | 3,740 |
| Noninterest expense to average assets | 3.1142% | 2,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6821% | 3,896 |
| Return on assets (ROA) | 0.6821% | 3,995 |
| Pretax return on assets | 0.9926% | 3,502 |
| Return on Equity (ROE) | 5.0994% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.0994% | 2,352 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8304% | 2,302 |
| Assets per employee ($millions) | 2.7460% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 4,225 |
| Loan loss allowance to noncurrent loans | 129.1457% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 3,267 |
| Noncurrent loans to loans | 0.8264% | 2,725 |
| Net loans and leases to total assets | 72.2991% | 1,997 |
| Net loans and leases to deposits | 84.4673% | 2,311 |
| Net loans and leases to core deposits | 86.8506% | 2,709 |
| Total domestic deposits to total assets | 85.5942% | 2,820 |
| Equity capital to assets | 14.2996% | 834 |
| Core capital (leverage) ratio | 13.1419% | 1,099 |
| Tier 1 risk-based capital ratio | 21.0007% | 1,301 |
| Total risk-based capital ratio | 22.1969% | 1,285 |
| Memoranda: | ||
| Average total assets | $34,454,600 | 5,881 |
| Average earning assets | $32,174,200 | 5,852 |
| Average equity | $4,608,400 | 5,741 |
| Average total loans | $24,012,600 | 5,584 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 3,048 |
| Cost of funding earning assets | 0.2612% | 4,764 |
| Net interest margin | 3.8119% | 2,340 |
| Noninterest income to average assets | 0.4440% | 3,763 |
| Noninterest expense to average assets | 3.0662% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6469% | 4,147 |
| Return on assets (ROA) | 0.6469% | 4,262 |
| Pretax return on assets | 0.9532% | 3,807 |
| Return on Equity (ROE) | 4.9172% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.9172% | 2,971 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2857% | 2,199 |
| Assets per employee ($millions) | 2.6657% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 4,462 |
| Loan loss allowance to noncurrent loans | 85.9532% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.8628% | 2,720 |
| Noncurrent loans to loans | 1.2223% | 2,087 |
| Net loans and leases to total assets | 69.8505% | 2,410 |
| Net loans and leases to deposits | 80.9755% | 2,768 |
| Net loans and leases to core deposits | 83.1221% | 3,139 |
| Total domestic deposits to total assets | 86.2613% | 2,405 |
| Equity capital to assets | 13.4530% | 1,248 |
| Core capital (leverage) ratio | 12.7644% | 1,291 |
| Tier 1 risk-based capital ratio | 20.9942% | 1,341 |
| Total risk-based capital ratio | 22.2075% | 1,322 |
| Memoranda: | ||
| Average total assets | $34,830,250 | 5,952 |
| Average earning assets | $32,668,500 | 5,919 |
| Average equity | $4,582,500 | 5,822 |
| Average total loans | $23,995,500 | 5,656 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 3,042 |
| Cost of funding earning assets | 0.2581% | 4,858 |
| Net interest margin | 3.8033% | 2,294 |
| Noninterest income to average assets | 0.4299% | 3,856 |
| Noninterest expense to average assets | 3.0038% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6650% | 4,056 |
| Return on assets (ROA) | 0.6650% | 4,158 |
| Pretax return on assets | 0.9745% | 3,679 |
| Return on Equity (ROE) | 5.0922% | 4,580 |
| Retained earnings to average equity (ytd only) | 5.0922% | 2,802 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5043% | 2,452 |
| Assets per employee ($millions) | 2.6622% | 5,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 4,508 |
| Loan loss allowance to noncurrent loans | 122.9665% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 3,608 |
| Noncurrent loans to loans | 0.8670% | 2,958 |
| Net loans and leases to total assets | 68.9069% | 2,500 |
| Net loans and leases to deposits | 79.7085% | 2,830 |
| Net loans and leases to core deposits | 81.8169% | 3,197 |
| Total domestic deposits to total assets | 86.4486% | 2,461 |
| Equity capital to assets | 13.3173% | 1,254 |
| Core capital (leverage) ratio | 12.4022% | 1,431 |
| Tier 1 risk-based capital ratio | 20.1819% | 1,508 |
| Total risk-based capital ratio | 21.3626% | 1,493 |
| Memoranda: | ||
| Average total assets | $34,889,000 | 6,016 |
| Average earning assets | $32,551,000 | 5,987 |
| Average equity | $4,556,000 | 5,886 |
| Average total loans | $23,839,670 | 5,719 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0330% | 3,111 |
| Cost of funding earning assets | 0.2566% | 4,943 |
| Net interest margin | 3.7764% | 2,318 |
| Noninterest income to average assets | 0.3654% | 4,289 |
| Noninterest expense to average assets | 3.0717% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5824% | 4,352 |
| Return on assets (ROA) | 0.5824% | 4,457 |
| Pretax return on assets | 0.8222% | 4,160 |
| Return on Equity (ROE) | 4.5038% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.5038% | 3,323 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8856% | 2,063 |
| Assets per employee ($millions) | 2.9320% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 4,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 65.5468% | 2,845 |
| Net loans and leases to deposits | 75.5141% | 3,114 |
| Net loans and leases to core deposits | 77.4699% | 3,431 |
| Total domestic deposits to total assets | 86.8008% | 2,491 |
| Equity capital to assets | 12.9519% | 1,429 |
| Core capital (leverage) ratio | 12.3728% | 1,413 |
| Tier 1 risk-based capital ratio | 20.7379% | 1,472 |
| Total risk-based capital ratio | 21.9693% | 1,446 |
| Memoranda: | ||
| Average total assets | $35,029,000 | 6,076 |
| Average earning assets | $32,730,000 | 6,045 |
| Average equity | $4,529,500 | 5,944 |
| Average total loans | $23,707,000 | 5,767 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 2,810 |
| Cost of funding earning assets | 0.2570% | 5,252 |
| Net interest margin | 3.9855% | 1,933 |
| Noninterest income to average assets | 0.5243% | 3,329 |
| Noninterest expense to average assets | 3.1002% | 2,513 |
| Loan and lease loss provision to assets | 0.0401% | 3,772 |
| Net operating income to assets | 0.7278% | 3,753 |
| Return on assets (ROA) | 0.7278% | 3,858 |
| Pretax return on assets | 1.0716% | 3,200 |
| Return on Equity (ROE) | 5.8060% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.8060% | 2,063 |
| Net charge-offs to loans | 0.0294% | 4,236 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 55.4286% | 847 |
| Efficiency ratio | 73.6054% | 2,903 |
| Assets per employee ($millions) | 2.6826% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 4,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 68.3546% | 2,504 |
| Net loans and leases to deposits | 78.5980% | 2,895 |
| Net loans and leases to core deposits | 80.6400% | 3,223 |
| Total domestic deposits to total assets | 86.9674% | 2,308 |
| Equity capital to assets | 12.9093% | 1,411 |
| Core capital (leverage) ratio | 12.2762% | 1,457 |
| Tier 1 risk-based capital ratio | 19.0786% | 1,822 |
| Total risk-based capital ratio | 20.2248% | 1,816 |
| Memoranda: | ||
| Average total assets | $34,900,600 | 6,160 |
| Average earning assets | $32,291,800 | 6,136 |
| Average equity | $4,374,800 | 6,016 |
| Average total loans | $23,774,000 | 5,829 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2080% | 2,960 |
| Cost of funding earning assets | 0.2560% | 5,342 |
| Net interest margin | 3.9520% | 2,028 |
| Noninterest income to average assets | 0.5004% | 3,543 |
| Noninterest expense to average assets | 3.0824% | 2,518 |
| Loan and lease loss provision to assets | 0.0458% | 3,471 |
| Net operating income to assets | 0.6799% | 4,047 |
| Return on assets (ROA) | 0.6799% | 4,134 |
| Pretax return on assets | 1.0275% | 3,479 |
| Return on Equity (ROE) | 5.4647% | 4,506 |
| Retained earnings to average equity (ytd only) | 5.4647% | 2,788 |
| Net charge-offs to loans | 0.0394% | 3,715 |
| Credit loss provision to net charge-offs | 171.4286% | 1,443 |
| Earnings coverage of net charge-offs (x) | 40.1565% | 1,126 |
| Efficiency ratio | 74.1728% | 2,797 |
| Assets per employee ($millions) | 2.5732% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 5,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 73.1308% | 1,660 |
| Net loans and leases to deposits | 84.5067% | 2,087 |
| Net loans and leases to core deposits | 85.2964% | 2,744 |
| Total domestic deposits to total assets | 86.5385% | 2,567 |
| Equity capital to assets | 13.2522% | 1,301 |
| Core capital (leverage) ratio | 12.3211% | 1,500 |
| Tier 1 risk-based capital ratio | 18.4533% | 2,069 |
| Total risk-based capital ratio | 19.5731% | 2,074 |
| Memoranda: | ||
| Average total assets | $34,907,250 | 6,232 |
| Average earning assets | $32,286,500 | 6,212 |
| Average equity | $4,343,000 | 6,085 |
| Average total loans | $23,693,750 | 5,894 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 3,367 |
| Cost of funding earning assets | 0.2552% | 5,434 |
| Net interest margin | 3.8400% | 2,413 |
| Noninterest income to average assets | 0.4916% | 3,535 |
| Noninterest expense to average assets | 2.9780% | 2,911 |
| Loan and lease loss provision to assets | 0.0452% | 3,416 |
| Net operating income to assets | 0.6894% | 3,900 |
| Return on assets (ROA) | 0.6894% | 3,991 |
| Pretax return on assets | 1.0398% | 3,323 |
| Return on Equity (ROE) | 5.6573% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.6573% | 2,537 |
| Net charge-offs to loans | 0.0685% | 3,019 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,446 |
| Efficiency ratio | 73.2962% | 3,104 |
| Assets per employee ($millions) | 2.7263% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 5,036 |
| Loan loss allowance to noncurrent loans | 625.0000% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 5,819 |
| Noncurrent loans to loans | 0.1706% | 5,498 |
| Net loans and leases to total assets | 65.4308% | 2,845 |
| Net loans and leases to deposits | 74.8378% | 3,216 |
| Net loans and leases to core deposits | 75.4907% | 3,676 |
| Total domestic deposits to total assets | 87.4302% | 2,230 |
| Equity capital to assets | 12.3695% | 1,724 |
| Core capital (leverage) ratio | 11.9816% | 1,661 |
| Tier 1 risk-based capital ratio | 19.3657% | 1,835 |
| Total risk-based capital ratio | 20.5334% | 1,819 |
| Memoranda: | ||
| Average total assets | $35,392,670 | 6,282 |
| Average earning assets | $32,916,330 | 6,250 |
| Average equity | $4,313,000 | 6,134 |
| Average total loans | $23,352,330 | 5,956 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 3,315 |
| Cost of funding earning assets | 0.2557% | 5,531 |
| Net interest margin | 3.8356% | 2,323 |
| Noninterest income to average assets | 0.4524% | 3,770 |
| Noninterest expense to average assets | 2.9405% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7351% | 3,516 |
| Return on assets (ROA) | 0.7351% | 3,594 |
| Pretax return on assets | 1.0744% | 3,019 |
| Return on Equity (ROE) | 6.0783% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.0783% | 2,502 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2394% | 3,270 |
| Assets per employee ($millions) | 2.6641% | 6,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 5,216 |
| Loan loss allowance to noncurrent loans | 641.0256% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 5,915 |
| Noncurrent loans to loans | 0.1682% | 5,581 |
| Net loans and leases to total assets | 66.2201% | 2,533 |
| Net loans and leases to deposits | 75.8726% | 2,823 |
| Net loans and leases to core deposits | 76.5513% | 3,356 |
| Total domestic deposits to total assets | 87.2780% | 2,650 |
| Equity capital to assets | 12.4506% | 1,606 |
| Core capital (leverage) ratio | 11.6489% | 1,864 |
| Tier 1 risk-based capital ratio | 19.3764% | 1,862 |
| Total risk-based capital ratio | 20.5611% | 1,850 |
| Memoranda: | ||
| Average total assets | $35,368,000 | 6,347 |
| Average earning assets | $32,850,500 | 6,318 |
| Average equity | $4,277,500 | 6,192 |
| Average total loans | $23,308,500 | 6,011 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 3,694 |
| Cost of funding earning assets | 0.3585% | 5,062 |
| Net interest margin | 3.7514% | 2,842 |
| Noninterest income to average assets | 0.6620% | 2,745 |
| Noninterest expense to average assets | 2.7412% | 3,943 |
| Loan and lease loss provision to assets | 0.0137% | 4,850 |
| Net operating income to assets | 0.8597% | 2,978 |
| Return on assets (ROA) | 0.8597% | 3,064 |
| Pretax return on assets | 1.2415% | 2,408 |
| Return on Equity (ROE) | 7.6089% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.6089% | 1,191 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5911% | 4,080 |
| Assets per employee ($millions) | 3.0086% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 5,290 |
| Loan loss allowance to noncurrent loans | 641.0256% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 6,007 |
| Noncurrent loans to loans | 0.1664% | 5,699 |
| Net loans and leases to total assets | 64.2135% | 3,009 |
| Net loans and leases to deposits | 73.0472% | 3,392 |
| Net loans and leases to core deposits | 74.2593% | 3,815 |
| Total domestic deposits to total assets | 87.9068% | 2,230 |
| Equity capital to assets | 11.7525% | 1,982 |
| Core capital (leverage) ratio | 10.9891% | 2,395 |
| Tier 1 risk-based capital ratio | 19.2287% | 1,857 |
| Total risk-based capital ratio | 20.4234% | 1,834 |
| Memoranda: | ||
| Average total assets | $36,407,200 | 6,378 |
| Average earning assets | $32,361,200 | 6,393 |
| Average equity | $4,113,600 | 6,298 |
| Average total loans | $21,221,200 | 6,140 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 4,016 |
| Cost of funding earning assets | 0.3768% | 5,033 |
| Net interest margin | 3.6521% | 3,224 |
| Noninterest income to average assets | 0.7455% | 2,383 |
| Noninterest expense to average assets | 2.7080% | 3,993 |
| Loan and lease loss provision to assets | 0.0036% | 4,881 |
| Net operating income to assets | 0.8479% | 3,110 |
| Return on assets (ROA) | 0.8479% | 3,225 |
| Pretax return on assets | 1.2572% | 2,491 |
| Return on Equity (ROE) | 7.5793% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.5793% | 1,599 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2320% | 4,053 |
| Assets per employee ($millions) | 2.7644% | 6,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 5,570 |
| Loan loss allowance to noncurrent loans | 361.7647% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 5,875 |
| Noncurrent loans to loans | 0.2867% | 5,514 |
| Net loans and leases to total assets | 65.3060% | 2,750 |
| Net loans and leases to deposits | 74.1774% | 3,208 |
| Net loans and leases to core deposits | 76.7136% | 3,536 |
| Total domestic deposits to total assets | 88.0402% | 2,107 |
| Equity capital to assets | 11.5842% | 2,236 |
| Core capital (leverage) ratio | 11.0106% | 2,467 |
| Tier 1 risk-based capital ratio | 18.5588% | 2,122 |
| Total risk-based capital ratio | 19.6084% | 2,156 |
| Memoranda: | ||
| Average total assets | $36,483,250 | 6,448 |
| Average earning assets | $32,199,750 | 6,462 |
| Average equity | $4,081,250 | 6,381 |
| Average total loans | $20,668,250 | 6,228 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9707% | 4,220 |
| Cost of funding earning assets | 0.4015% | 4,929 |
| Net interest margin | 3.5693% | 3,486 |
| Noninterest income to average assets | 0.8618% | 1,952 |
| Noninterest expense to average assets | 2.7056% | 4,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8455% | 3,069 |
| Return on assets (ROA) | 0.8455% | 3,218 |
| Pretax return on assets | 1.2600% | 2,448 |
| Return on Equity (ROE) | 7.6468% | 3,264 |
| Retained earnings to average equity (ytd only) | 7.6468% | 1,612 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2256% | 4,142 |
| Assets per employee ($millions) | 2.9813% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 5,187 |
| Loan loss allowance to noncurrent loans | 453.7037% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 6,039 |
| Noncurrent loans to loans | 0.2561% | 5,667 |
| Net loans and leases to total assets | 58.2485% | 3,942 |
| Net loans and leases to deposits | 66.0172% | 4,264 |
| Net loans and leases to core deposits | 68.2731% | 4,464 |
| Total domestic deposits to total assets | 88.2323% | 2,090 |
| Equity capital to assets | 11.4434% | 2,343 |
| Core capital (leverage) ratio | 10.6812% | 2,688 |
| Tier 1 risk-based capital ratio | 20.4400% | 1,621 |
| Total risk-based capital ratio | 21.6881% | 1,595 |
| Memoranda: | ||
| Average total assets | $36,665,330 | 6,490 |
| Average earning assets | $31,883,330 | 6,518 |
| Average equity | $4,054,000 | 6,438 |
| Average total loans | $19,652,670 | 6,322 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 4,258 |
| Cost of funding earning assets | 0.4402% | 4,703 |
| Net interest margin | 3.5215% | 3,613 |
| Noninterest income to average assets | 1.1641% | 1,104 |
| Noninterest expense to average assets | 2.6192% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9701% | 2,350 |
| Return on assets (ROA) | 0.9701% | 2,483 |
| Pretax return on assets | 1.4767% | 1,629 |
| Return on Equity (ROE) | 8.9241% | 2,517 |
| Retained earnings to average equity (ytd only) | 8.9241% | 1,403 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9474% | 5,016 |
| Assets per employee ($millions) | 3.1358% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 4,954 |
| Loan loss allowance to noncurrent loans | 401.6393% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 6,087 |
| Noncurrent loans to loans | 0.3109% | 5,622 |
| Net loans and leases to total assets | 51.4855% | 4,772 |
| Net loans and leases to deposits | 57.9886% | 5,036 |
| Net loans and leases to core deposits | 59.8517% | 5,161 |
| Total domestic deposits to total assets | 88.7855% | 1,810 |
| Equity capital to assets | 10.8398% | 3,159 |
| Core capital (leverage) ratio | 10.7735% | 2,478 |
| Tier 1 risk-based capital ratio | 21.9445% | 1,342 |
| Total risk-based capital ratio | 23.1973% | 1,316 |
| Memoranda: | ||
| Average total assets | $37,110,000 | 6,543 |
| Average earning assets | $30,896,000 | 6,604 |
| Average equity | $4,034,000 | 6,506 |
| Average total loans | $18,937,000 | 6,411 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7928% | 2,227 |
| Cost of funding earning assets | 0.6319% | 4,084 |
| Net interest margin | 4.1609% | 1,775 |
| Noninterest income to average assets | 0.5560% | 3,536 |
| Noninterest expense to average assets | 2.9146% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7111% | 3,691 |
| Return on assets (ROA) | 0.7111% | 3,947 |
| Pretax return on assets | 0.9364% | 3,790 |
| Return on Equity (ROE) | 6.2664% | 4,031 |
| Retained earnings to average equity (ytd only) | 6.2664% | 1,934 |
| Net charge-offs to loans | 0.0317% | 5,471 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 53.3333% | 653 |
| Efficiency ratio | 75.6839% | 2,805 |
| Assets per employee ($millions) | 3.0492% | 5,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 4,447 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 6,085 |
| Noncurrent loans to loans | 0.3835% | 5,537 |
| Net loans and leases to total assets | 49.2211% | 5,280 |
| Net loans and leases to deposits | 55.9004% | 5,454 |
| Net loans and leases to core deposits | 57.3001% | 5,606 |
| Total domestic deposits to total assets | 88.0514% | 2,206 |
| Equity capital to assets | 10.9019% | 3,060 |
| Core capital (leverage) ratio | 10.5250% | 2,730 |
| Tier 1 risk-based capital ratio | 21.7897% | 1,302 |
| Total risk-based capital ratio | 23.0403% | 1,279 |
| Memoranda: | ||
| Average total assets | $34,172,200 | 6,653 |
| Average earning assets | $27,061,600 | 6,734 |
| Average equity | $3,877,800 | 6,595 |
| Average total loans | $18,928,800 | 6,469 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7881% | 2,433 |
| Cost of funding earning assets | 0.6436% | 4,246 |
| Net interest margin | 4.1445% | 1,922 |
| Noninterest income to average assets | 0.5720% | 3,457 |
| Noninterest expense to average assets | 2.9472% | 3,421 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7149% | 3,850 |
| Return on assets (ROA) | 0.7149% | 4,093 |
| Pretax return on assets | 1.0009% | 3,708 |
| Return on Equity (ROE) | 6.2335% | 4,209 |
| Retained earnings to average equity (ytd only) | 6.2335% | 2,537 |
| Net charge-offs to loans | -0.0349% | 6,613 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6479% | 2,882 |
| Assets per employee ($millions) | 2.8134% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 4,676 |
| Loan loss allowance to noncurrent loans | 98.8417% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7672% | 4,789 |
| Noncurrent loans to loans | 1.3452% | 3,777 |
| Net loans and leases to total assets | 56.2691% | 4,403 |
| Net loans and leases to deposits | 64.7015% | 4,627 |
| Net loans and leases to core deposits | 66.4765% | 4,904 |
| Total domestic deposits to total assets | 86.9672% | 2,689 |
| Equity capital to assets | 11.6940% | 2,539 |
| Core capital (leverage) ratio | 10.9477% | 2,448 |
| Tier 1 risk-based capital ratio | 21.7285% | 1,375 |
| Total risk-based capital ratio | 22.9793% | 1,351 |
| Memoranda: | ||
| Average total assets | $33,567,750 | 6,746 |
| Average earning assets | $27,344,750 | 6,817 |
| Average equity | $3,850,000 | 6,681 |
| Average total loans | $19,097,250 | 6,542 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 2,726 |
| Cost of funding earning assets | 0.6657% | 4,312 |
| Net interest margin | 4.0822% | 2,157 |
| Noninterest income to average assets | 0.5671% | 3,474 |
| Noninterest expense to average assets | 2.9131% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7044% | 3,845 |
| Return on assets (ROA) | 0.7044% | 4,108 |
| Pretax return on assets | 0.9850% | 3,769 |
| Return on Equity (ROE) | 6.1823% | 4,222 |
| Retained earnings to average equity (ytd only) | 6.1823% | 2,580 |
| Net charge-offs to loans | -0.0420% | 6,620 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7320% | 2,945 |
| Assets per employee ($millions) | 3.0818% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 4,703 |
| Loan loss allowance to noncurrent loans | 109.4421% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 5,058 |
| Noncurrent loans to loans | 1.2252% | 4,096 |
| Net loans and leases to total assets | 55.3481% | 4,571 |
| Net loans and leases to deposits | 63.4185% | 4,834 |
| Net loans and leases to core deposits | 65.1380% | 5,095 |
| Total domestic deposits to total assets | 87.2743% | 2,612 |
| Equity capital to assets | 11.4395% | 2,646 |
| Core capital (leverage) ratio | 10.5146% | 2,788 |
| Tier 1 risk-based capital ratio | 21.7281% | 1,344 |
| Total risk-based capital ratio | 22.9944% | 1,317 |
| Memoranda: | ||
| Average total assets | $33,503,330 | 6,796 |
| Average earning assets | $27,338,000 | 6,870 |
| Average equity | $3,817,330 | 6,726 |
| Average total loans | $19,045,330 | 6,597 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7965% | 2,655 |
| Cost of funding earning assets | 0.7019% | 4,269 |
| Net interest margin | 4.0945% | 2,110 |
| Noninterest income to average assets | 0.5044% | 3,883 |
| Noninterest expense to average assets | 2.8464% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7446% | 3,652 |
| Return on assets (ROA) | 0.7446% | 3,888 |
| Pretax return on assets | 1.0209% | 3,604 |
| Return on Equity (ROE) | 6.5487% | 4,012 |
| Retained earnings to average equity (ytd only) | 6.5487% | 2,656 |
| Net charge-offs to loans | 0.0210% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 402 |
| Efficiency ratio | 73.6025% | 3,157 |
| Assets per employee ($millions) | 2.8653% | 6,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 4,851 |
| Loan loss allowance to noncurrent loans | 108.6957% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 5,225 |
| Noncurrent loans to loans | 1.2299% | 4,284 |
| Net loans and leases to total assets | 53.6602% | 4,776 |
| Net loans and leases to deposits | 61.2164% | 5,019 |
| Net loans and leases to core deposits | 62.8385% | 5,240 |
| Total domestic deposits to total assets | 87.6567% | 2,549 |
| Equity capital to assets | 11.1014% | 2,802 |
| Core capital (leverage) ratio | 10.4515% | 2,809 |
| Tier 1 risk-based capital ratio | 21.8238% | 1,315 |
| Total risk-based capital ratio | 23.0850% | 1,290 |
| Memoranda: | ||
| Average total assets | $33,305,000 | 6,855 |
| Average earning assets | $27,353,500 | 6,926 |
| Average equity | $3,787,000 | 6,779 |
| Average total loans | $19,059,000 | 6,654 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0690% | 2,568 |
| Cost of funding earning assets | 0.8406% | 4,543 |
| Net interest margin | 4.2285% | 1,968 |
| Noninterest income to average assets | 0.5692% | 3,370 |
| Noninterest expense to average assets | 3.1307% | 3,094 |
| Loan and lease loss provision to assets | 0.0650% | 5,799 |
| Net operating income to assets | 0.6775% | 3,591 |
| Return on assets (ROA) | 0.6775% | 3,789 |
| Pretax return on assets | 0.9373% | 3,480 |
| Return on Equity (ROE) | 6.0297% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.0297% | 1,998 |
| Net charge-offs to loans | 0.1297% | 5,108 |
| Credit loss provision to net charge-offs | 87.5000% | 4,126 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 1,536 |
| Efficiency ratio | 75.7485% | 2,921 |
| Assets per employee ($millions) | 2.4790% | 6,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 4,939 |
| Loan loss allowance to noncurrent loans | 105.4622% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.9123% | 4,786 |
| Noncurrent loans to loans | 1.2257% | 4,322 |
| Net loans and leases to total assets | 59.4750% | 4,089 |
| Net loans and leases to deposits | 68.2610% | 4,400 |
| Net loans and leases to core deposits | 70.1985% | 4,753 |
| Total domestic deposits to total assets | 87.1288% | 2,689 |
| Equity capital to assets | 11.6579% | 2,375 |
| Core capital (leverage) ratio | 10.4286% | 2,813 |
| Tier 1 risk-based capital ratio | 20.8717% | 1,440 |
| Total risk-based capital ratio | 22.1239% | 1,419 |
| Memoranda: | ||
| Average total assets | $32,325,400 | 6,909 |
| Average earning assets | $27,244,000 | 6,952 |
| Average equity | $3,632,000 | 6,845 |
| Average total loans | $18,504,000 | 6,733 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0912% | 2,641 |
| Cost of funding earning assets | 0.8756% | 4,587 |
| Net interest margin | 4.2156% | 2,041 |
| Noninterest income to average assets | 0.5811% | 3,295 |
| Noninterest expense to average assets | 3.1200% | 3,089 |
| Loan and lease loss provision to assets | 0.0206% | 6,184 |
| Net operating income to assets | 0.7377% | 3,439 |
| Return on assets (ROA) | 0.7377% | 3,608 |
| Pretax return on assets | 0.9727% | 3,511 |
| Return on Equity (ROE) | 6.6281% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.6281% | 2,180 |
| Net charge-offs to loans | 0.0292% | 5,739 |
| Credit loss provision to net charge-offs | 125.0000% | 2,566 |
| Earnings coverage of net charge-offs (x) | 60.2871% | 548 |
| Efficiency ratio | 75.8517% | 2,865 |
| Assets per employee ($millions) | 2.5702% | 6,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 4,843 |
| Loan loss allowance to noncurrent loans | 83.0619% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.0864% | 4,584 |
| Noncurrent loans to loans | 1.6079% | 3,886 |
| Net loans and leases to total assets | 56.3793% | 4,783 |
| Net loans and leases to deposits | 64.3133% | 5,126 |
| Net loans and leases to core deposits | 66.0565% | 5,411 |
| Total domestic deposits to total assets | 87.6635% | 2,258 |
| Equity capital to assets | 11.1424% | 3,008 |
| Core capital (leverage) ratio | 10.7100% | 2,652 |
| Tier 1 risk-based capital ratio | 19.7203% | 1,754 |
| Total risk-based capital ratio | 20.9748% | 1,725 |
| Memoranda: | ||
| Average total assets | $32,350,000 | 6,971 |
| Average earning assets | $27,105,000 | 7,022 |
| Average equity | $3,600,750 | 6,912 |
| Average total loans | $18,275,500 | 6,806 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 2,868 |
| Cost of funding earning assets | 0.9151% | 4,551 |
| Net interest margin | 4.1474% | 2,238 |
| Noninterest income to average assets | 0.5813% | 3,253 |
| Noninterest expense to average assets | 3.1379% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7501% | 3,289 |
| Return on assets (ROA) | 0.7501% | 3,411 |
| Pretax return on assets | 0.9564% | 3,402 |
| Return on Equity (ROE) | 6.7416% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.7416% | 1,989 |
| Net charge-offs to loans | -0.0222% | 6,847 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6412% | 2,914 |
| Assets per employee ($millions) | 2.4298% | 6,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 4,496 |
| Loan loss allowance to noncurrent loans | 76.4179% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.2379% | 4,423 |
| Noncurrent loans to loans | 1.8517% | 3,677 |
| Net loans and leases to total assets | 56.4631% | 4,908 |
| Net loans and leases to deposits | 64.7721% | 5,179 |
| Net loans and leases to core deposits | 66.6330% | 5,430 |
| Total domestic deposits to total assets | 87.1719% | 2,644 |
| Equity capital to assets | 11.5301% | 2,478 |
| Core capital (leverage) ratio | 10.5219% | 2,692 |
| Tier 1 risk-based capital ratio | 19.5135% | 1,713 |
| Total risk-based capital ratio | 20.7646% | 1,688 |
| Memoranda: | ||
| Average total assets | $31,995,670 | 7,044 |
| Average earning assets | $27,101,000 | 7,084 |
| Average equity | $3,560,000 | 6,965 |
| Average total loans | $18,003,000 | 6,890 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0422% | 2,897 |
| Cost of funding earning assets | 0.9788% | 4,354 |
| Net interest margin | 4.0634% | 2,417 |
| Noninterest income to average assets | 0.5590% | 3,441 |
| Noninterest expense to average assets | 3.0932% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6460% | 3,769 |
| Return on assets (ROA) | 0.6460% | 3,846 |
| Pretax return on assets | 0.8696% | 3,625 |
| Return on Equity (ROE) | 5.9108% | 3,955 |
| Retained earnings to average equity (ytd only) | 5.9108% | 2,692 |
| Net charge-offs to loans | -0.0223% | 6,603 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0564% | 2,835 |
| Assets per employee ($millions) | 2.4379% | 7,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 4,367 |
| Loan loss allowance to noncurrent loans | 82.5243% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.9750% | 4,949 |
| Noncurrent loans to loans | 1.7762% | 3,854 |
| Net loans and leases to total assets | 54.0877% | 5,292 |
| Net loans and leases to deposits | 61.8554% | 5,516 |
| Net loans and leases to core deposits | 63.6138% | 5,773 |
| Total domestic deposits to total assets | 87.4420% | 2,691 |
| Equity capital to assets | 11.1981% | 2,502 |
| Core capital (leverage) ratio | 10.0365% | 3,104 |
| Tier 1 risk-based capital ratio | 18.7617% | 1,878 |
| Total risk-based capital ratio | 20.0125% | 1,836 |
| Memoranda: | ||
| Average total assets | $32,200,000 | 7,093 |
| Average earning assets | $26,972,500 | 7,134 |
| Average equity | $3,519,000 | 7,010 |
| Average total loans | $17,959,000 | 6,942 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9010% | 1,042 |
| Cost of funding earning assets | 1.2252% | 4,385 |
| Net interest margin | 4.6758% | 860 |
| Noninterest income to average assets | 0.6239% | 3,320 |
| Noninterest expense to average assets | 3.2635% | 2,859 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9183% | 2,322 |
| Return on assets (ROA) | 0.9183% | 2,449 |
| Pretax return on assets | 1.2798% | 1,988 |
| Return on Equity (ROE) | 8.5087% | 2,493 |
| Retained earnings to average equity (ytd only) | 8.5087% | 836 |
| Net charge-offs to loans | 0.0501% | 6,295 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 44.4444% | 524 |
| Efficiency ratio | 71.8310% | 3,824 |
| Assets per employee ($millions) | 2.5159% | 6,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 4,649 |
| Loan loss allowance to noncurrent loans | 135.1064% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5748% | 5,877 |
| Noncurrent loans to loans | 1.0151% | 5,039 |
| Net loans and leases to total assets | 55.8504% | 5,367 |
| Net loans and leases to deposits | 63.8394% | 5,647 |
| Net loans and leases to core deposits | 66.1992% | 5,856 |
| Total domestic deposits to total assets | 87.4859% | 2,556 |
| Equity capital to assets | 10.6674% | 3,000 |
| Core capital (leverage) ratio | 10.0564% | 3,021 |
| Tier 1 risk-based capital ratio | 16.9821% | 2,352 |
| Total risk-based capital ratio | 18.2265% | 2,319 |
| Memoranda: | ||
| Average total assets | $31,254,600 | 7,165 |
| Average earning assets | $26,198,800 | 7,220 |
| Average equity | $3,373,000 | 7,169 |
| Average total loans | $17,957,800 | 7,028 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9013% | 1,132 |
| Cost of funding earning assets | 1.2646% | 4,466 |
| Net interest margin | 4.6368% | 965 |
| Noninterest income to average assets | 0.6431% | 3,168 |
| Noninterest expense to average assets | 3.2586% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9193% | 2,541 |
| Return on assets (ROA) | 0.9193% | 2,677 |
| Pretax return on assets | 1.2775% | 2,240 |
| Return on Equity (ROE) | 8.4925% | 2,689 |
| Retained earnings to average equity (ytd only) | 8.4925% | 1,240 |
| Net charge-offs to loans | 0.0524% | 5,997 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 42.3001% | 657 |
| Efficiency ratio | 71.8363% | 3,732 |
| Assets per employee ($millions) | 2.4075% | 7,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 4,613 |
| Loan loss allowance to noncurrent loans | 86.1953% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 5,199 |
| Noncurrent loans to loans | 1.5918% | 4,255 |
| Net loans and leases to total assets | 58.7961% | 5,139 |
| Net loans and leases to deposits | 67.7615% | 5,451 |
| Net loans and leases to core deposits | 69.0792% | 5,836 |
| Total domestic deposits to total assets | 86.7691% | 2,656 |
| Equity capital to assets | 11.0998% | 2,851 |
| Core capital (leverage) ratio | 9.9849% | 3,272 |
| Tier 1 risk-based capital ratio | 16.8266% | 2,399 |
| Total risk-based capital ratio | 18.0671% | 2,365 |
| Memoranda: | ||
| Average total assets | $30,891,500 | 7,259 |
| Average earning assets | $25,937,000 | 7,321 |
| Average equity | $3,344,000 | 7,272 |
| Average total loans | $17,817,000 | 7,130 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0163% | 912 |
| Cost of funding earning assets | 1.3247% | 4,381 |
| Net interest margin | 4.6916% | 823 |
| Noninterest income to average assets | 0.6308% | 3,123 |
| Noninterest expense to average assets | 3.2644% | 2,676 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9169% | 2,488 |
| Return on assets (ROA) | 0.9169% | 2,589 |
| Pretax return on assets | 1.2355% | 2,306 |
| Return on Equity (ROE) | 8.5437% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.5437% | 1,251 |
| Net charge-offs to loans | -0.0114% | 7,213 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5434% | 3,733 |
| Assets per employee ($millions) | 2.3572% | 7,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 4,118 |
| Loan loss allowance to noncurrent loans | 85.9935% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 5,142 |
| Noncurrent loans to loans | 1.6987% | 4,140 |
| Net loans and leases to total assets | 58.1177% | 5,401 |
| Net loans and leases to deposits | 66.8858% | 5,700 |
| Net loans and leases to core deposits | 68.2076% | 6,036 |
| Total domestic deposits to total assets | 86.8910% | 2,589 |
| Equity capital to assets | 11.0139% | 2,848 |
| Core capital (leverage) ratio | 10.0077% | 3,156 |
| Tier 1 risk-based capital ratio | 17.2171% | 2,193 |
| Total risk-based capital ratio | 18.4714% | 2,158 |
| Memoranda: | ||
| Average total assets | $30,756,000 | 7,317 |
| Average earning assets | $25,364,330 | 7,389 |
| Average equity | $3,300,670 | 7,323 |
| Average total loans | $17,536,670 | 7,196 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1763% | 675 |
| Cost of funding earning assets | 1.3619% | 4,408 |
| Net interest margin | 4.8143% | 626 |
| Noninterest income to average assets | 0.5582% | 3,583 |
| Noninterest expense to average assets | 3.1675% | 2,983 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9347% | 2,414 |
| Return on assets (ROA) | 0.9347% | 2,478 |
| Pretax return on assets | 1.3371% | 1,946 |
| Return on Equity (ROE) | 8.8249% | 2,557 |
| Retained earnings to average equity (ytd only) | 8.8249% | 1,450 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3170% | 4,243 |
| Assets per employee ($millions) | 2.3247% | 7,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 3,971 |
| Loan loss allowance to noncurrent loans | 40.2141% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 2.1641% | 3,315 |
| Noncurrent loans to loans | 3.6993% | 2,152 |
| Net loans and leases to total assets | 57.6288% | 5,507 |
| Net loans and leases to deposits | 66.4378% | 5,776 |
| Net loans and leases to core deposits | 67.7665% | 6,124 |
| Total domestic deposits to total assets | 86.7410% | 2,771 |
| Equity capital to assets | 10.9394% | 2,817 |
| Core capital (leverage) ratio | 9.8862% | 3,299 |
| Tier 1 risk-based capital ratio | 17.4080% | 2,105 |
| Total risk-based capital ratio | 18.7166% | 2,059 |
| Memoranda: | ||
| Average total assets | $30,812,500 | 7,416 |
| Average earning assets | $25,258,000 | 7,484 |
| Average equity | $3,263,500 | 7,413 |
| Average total loans | $17,268,500 | 7,298 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2987% | 1,029 |
| Cost of funding earning assets | 1.8744% | 3,601 |
| Net interest margin | 4.4242% | 1,362 |
| Noninterest income to average assets | 0.6732% | 3,129 |
| Noninterest expense to average assets | 3.1499% | 3,546 |
| Loan and lease loss provision to assets | 0.3319% | 4,821 |
| Net operating income to assets | 0.5260% | 3,624 |
| Return on assets (ROA) | 0.5260% | 3,712 |
| Pretax return on assets | 0.8423% | 3,107 |
| Return on Equity (ROE) | 5.3517% | 3,501 |
| Retained earnings to average equity (ytd only) | 5.3517% | 1,646 |
| Net charge-offs to loans | 0.1120% | 6,038 |
| Credit loss provision to net charge-offs | 557.8947% | 539 |
| Earnings coverage of net charge-offs (x) | 19.7368% | 1,068 |
| Efficiency ratio | 72.8458% | 4,126 |
| Assets per employee ($millions) | 2.4157% | 7,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 3,436 |
| Loan loss allowance to noncurrent loans | 132.1608% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6337% | 5,877 |
| Noncurrent loans to loans | 1.1804% | 4,969 |
| Net loans and leases to total assets | 52.8436% | 6,321 |
| Net loans and leases to deposits | 60.4114% | 6,604 |
| Net loans and leases to core deposits | 66.0945% | 6,975 |
| Total domestic deposits to total assets | 87.4729% | 2,235 |
| Equity capital to assets | 10.2567% | 3,450 |
| Core capital (leverage) ratio | 9.3351% | 3,924 |
| Tier 1 risk-based capital ratio | 16.3555% | 2,374 |
| Total risk-based capital ratio | 17.6591% | 2,304 |
| Memoranda: | ||
| Average total assets | $31,937,400 | 7,407 |
| Average earning assets | $26,354,800 | 7,489 |
| Average equity | $3,139,200 | 7,553 |
| Average total loans | $16,961,600 | 7,357 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3328% | 1,065 |
| Cost of funding earning assets | 1.9696% | 3,519 |
| Net interest margin | 4.3631% | 1,550 |
| Noninterest income to average assets | 0.6569% | 3,313 |
| Noninterest expense to average assets | 3.1970% | 3,307 |
| Loan and lease loss provision to assets | 0.0041% | 7,270 |
| Net operating income to assets | 0.7982% | 2,823 |
| Return on assets (ROA) | 0.7982% | 2,887 |
| Pretax return on assets | 1.0934% | 2,601 |
| Return on Equity (ROE) | 8.2081% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.2081% | 1,080 |
| Net charge-offs to loans | 0.1491% | 5,217 |
| Credit loss provision to net charge-offs | 5.2632% | 6,640 |
| Earnings coverage of net charge-offs (x) | 13.8962% | 1,642 |
| Efficiency ratio | 74.4434% | 3,793 |
| Assets per employee ($millions) | 2.4565% | 7,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 6,488 |
| Loan loss allowance to noncurrent loans | 135.0427% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 6,567 |
| Noncurrent loans to loans | 0.7109% | 5,882 |
| Net loans and leases to total assets | 51.0459% | 6,698 |
| Net loans and leases to deposits | 58.9441% | 6,904 |
| Net loans and leases to core deposits | 64.9546% | 7,204 |
| Total domestic deposits to total assets | 86.6005% | 2,377 |
| Equity capital to assets | 10.1929% | 3,857 |
| Core capital (leverage) ratio | 9.4109% | 4,035 |
| Tier 1 risk-based capital ratio | 16.5127% | 2,423 |
| Total risk-based capital ratio | 17.3865% | 2,517 |
| Memoranda: | ||
| Average total assets | $32,070,750 | 7,460 |
| Average earning assets | $26,738,500 | 7,541 |
| Average equity | $3,118,750 | 7,628 |
| Average total loans | $16,987,500 | 7,420 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2871% | 1,243 |
| Cost of funding earning assets | 2.0255% | 3,655 |
| Net interest margin | 4.2616% | 1,772 |
| Noninterest income to average assets | 0.6041% | 3,657 |
| Noninterest expense to average assets | 3.1012% | 3,693 |
| Loan and lease loss provision to assets | 0.0062% | 7,127 |
| Net operating income to assets | 0.8158% | 2,795 |
| Return on assets (ROA) | 0.8158% | 2,890 |
| Pretax return on assets | 1.1521% | 2,457 |
| Return on Equity (ROE) | 8.5250% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.5250% | 1,062 |
| Net charge-offs to loans | -0.0117% | 7,625 |
| Credit loss provision to net charge-offs | -100.0000% | 6,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8070% | 4,242 |
| Assets per employee ($millions) | 2.4411% | 7,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 5,863 |
| Loan loss allowance to noncurrent loans | 131.8519% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 6,395 |
| Noncurrent loans to loans | 0.8016% | 5,628 |
| Net loans and leases to total assets | 52.5115% | 6,621 |
| Net loans and leases to deposits | 60.2938% | 6,863 |
| Net loans and leases to core deposits | 66.5097% | 7,190 |
| Total domestic deposits to total assets | 87.0927% | 2,205 |
| Equity capital to assets | 9.8506% | 4,151 |
| Core capital (leverage) ratio | 9.1825% | 4,328 |
| Tier 1 risk-based capital ratio | 16.1479% | 2,569 |
| Total risk-based capital ratio | 17.1302% | 2,610 |
| Memoranda: | ||
| Average total assets | $32,116,330 | 7,525 |
| Average earning assets | $27,548,330 | 7,575 |
| Average equity | $3,073,330 | 7,704 |
| Average total loans | $17,163,670 | 7,477 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2774% | 1,369 |
| Cost of funding earning assets | 1.9955% | 4,154 |
| Net interest margin | 4.2819% | 1,642 |
| Noninterest income to average assets | 0.4705% | 4,591 |
| Noninterest expense to average assets | 3.0705% | 3,489 |
| Loan and lease loss provision to assets | 0.0124% | 6,686 |
| Net operating income to assets | 0.8419% | 2,941 |
| Return on assets (ROA) | 0.8419% | 3,086 |
| Pretax return on assets | 1.2133% | 2,579 |
| Return on Equity (ROE) | 8.9268% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.9268% | 1,506 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4697% | 4,275 |
| Assets per employee ($millions) | 2.4438% | 7,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 5,979 |
| Loan loss allowance to noncurrent loans | 88.9447% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 5,612 |
| Noncurrent loans to loans | 1.1538% | 4,680 |
| Net loans and leases to total assets | 53.7316% | 6,498 |
| Net loans and leases to deposits | 61.6579% | 6,763 |
| Net loans and leases to core deposits | 68.7253% | 7,099 |
| Total domestic deposits to total assets | 87.1447% | 2,152 |
| Equity capital to assets | 9.7265% | 4,343 |
| Core capital (leverage) ratio | 8.8937% | 4,868 |
| Tier 1 risk-based capital ratio | 15.7397% | 2,772 |
| Total risk-based capital ratio | 16.7134% | 2,802 |
| Memoranda: | ||
| Average total assets | $32,307,500 | 7,555 |
| Average earning assets | $28,865,500 | 7,578 |
| Average equity | $3,047,000 | 7,764 |
| Average total loans | $17,324,500 | 7,518 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0506% | 1,008 |
| Cost of funding earning assets | 2.4228% | 4,620 |
| Net interest margin | 4.6278% | 1,102 |
| Noninterest income to average assets | 0.6287% | 3,644 |
| Noninterest expense to average assets | 3.5205% | 2,341 |
| Loan and lease loss provision to assets | 0.0714% | 6,505 |
| Net operating income to assets | 0.8631% | 3,154 |
| Return on assets (ROA) | 0.8631% | 3,008 |
| Pretax return on assets | 1.2233% | 2,572 |
| Return on Equity (ROE) | 9.0128% | 2,639 |
| Retained earnings to average equity (ytd only) | 9.0128% | 606 |
| Net charge-offs to loans | -0.0164% | 7,904 |
| Credit loss provision to net charge-offs | -700.0000% | 7,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1122% | 3,726 |
| Assets per employee ($millions) | 2.5266% | 7,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 5,986 |
| Loan loss allowance to noncurrent loans | 96.1538% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 5,518 |
| Noncurrent loans to loans | 1.0459% | 4,484 |
| Net loans and leases to total assets | 52.4478% | 6,805 |
| Net loans and leases to deposits | 59.8555% | 7,100 |
| Net loans and leases to core deposits | 66.2577% | 7,353 |
| Total domestic deposits to total assets | 87.6241% | 1,657 |
| Equity capital to assets | 9.1457% | 5,160 |
| Core capital (leverage) ratio | 9.2352% | 4,386 |
| Tier 1 risk-based capital ratio | 15.0867% | 2,998 |
| Total risk-based capital ratio | 16.0320% | 3,083 |
| Memoranda: | ||
| Average total assets | $29,428,000 | 7,672 |
| Average earning assets | $26,621,800 | 7,672 |
| Average equity | $2,818,200 | 7,890 |
| Average total loans | $18,317,000 | 7,443 |