Home > Security Bank > Performance and Condition Ratios
Security 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 | 5.6573% | 977 |
| Cost of funding earning assets | 1.8300% | 1,201 |
| Net interest margin | 3.8273% | 1,521 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.3872% | 2,629 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.2322% | 1,577 |
| Return on assets (ROA) | 1.2322% | 1,551 |
| Pretax return on assets | 1.5777% | 1,277 |
| Return on Equity (ROE) | 9.9500% | 2,508 |
| Retained earnings to average equity (ytd only) | 8.7427% | 1,318 |
| Net charge-offs to loans | 0.0446% | 1,446 |
| Credit loss provision to net charge-offs | 369.2308% | 827 |
| Earnings coverage of net charge-offs (x) | 44.2923% | 1,373 |
| Efficiency ratio | 58.1054% | 3,286 |
| Assets per employee ($millions) | 7.2712% | 1,884 |
| Cash dividends to net income (ytd only)* | 12.1300% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 2,619 |
| Loan loss allowance to noncurrent loans | 149.9157% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 817 |
| Noncurrent loans to loans | 0.7582% | 1,028 |
| Net loans and leases to total assets | 85.0700% | 205 |
| Net loans and leases to deposits | 101.4506% | 461 |
| Net loans and leases to core deposits | 126.9029% | 465 |
| Total domestic deposits to total assets | 83.8500% | 2,661 |
| Equity capital to assets | 11.9084% | 1,161 |
| Core capital (leverage) ratio | 12.8935% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $167,267,000 | 3,209 |
| Average earning assets | $160,270,000 | 3,169 |
| Average equity | $20,714,400 | 2,797 |
| Average total loans | $145,656,800 | 2,709 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5579% | 953 |
| Cost of funding earning assets | 1.6707% | 1,234 |
| Net interest margin | 3.8872% | 1,427 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.3759% | 2,585 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.2165% | 1,747 |
| Return on assets (ROA) | 1.2165% | 1,738 |
| Pretax return on assets | 1.6402% | 1,284 |
| Return on Equity (ROE) | 9.7200% | 2,728 |
| Retained earnings to average equity (ytd only) | 9.7192% | 1,488 |
| Net charge-offs to loans | 0.0187% | 1,755 |
| Credit loss provision to net charge-offs | 900.0000% | 427 |
| Earnings coverage of net charge-offs (x) | 109.6500% | 882 |
| Efficiency ratio | 57.0757% | 3,305 |
| Assets per employee ($millions) | 7.6177% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,423 |
| Loan loss allowance to noncurrent loans | 141.7203% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 757 |
| Noncurrent loans to loans | 0.8383% | 987 |
| Net loans and leases to total assets | 87.5000% | 100 |
| Net loans and leases to deposits | 105.3667% | 310 |
| Net loans and leases to core deposits | 124.8540% | 438 |
| Total domestic deposits to total assets | 83.0400% | 3,007 |
| Equity capital to assets | 12.5838% | 897 |
| Core capital (leverage) ratio | 13.0176% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $163,638,750 | 3,253 |
| Average earning assets | $156,817,250 | 3,204 |
| Average equity | $20,481,250 | 2,805 |
| Average total loans | $142,967,750 | 2,738 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3640% | 998 |
| Cost of funding earning assets | 1.5127% | 1,218 |
| Net interest margin | 3.8513% | 1,521 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.3090% | 2,777 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.2309% | 1,747 |
| Return on assets (ROA) | 1.2309% | 1,738 |
| Pretax return on assets | 1.6597% | 1,296 |
| Return on Equity (ROE) | 9.8500% | 2,753 |
| Retained earnings to average equity (ytd only) | 9.8527% | 1,446 |
| Net charge-offs to loans | 0.0156% | 1,616 |
| Credit loss provision to net charge-offs | 1,090.9091% | 384 |
| Earnings coverage of net charge-offs (x) | 133.3636% | 797 |
| Efficiency ratio | 56.0910% | 3,403 |
| Assets per employee ($millions) | 6.6468% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,452 |
| Loan loss allowance to noncurrent loans | 134.8031% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 667 |
| Noncurrent loans to loans | 0.8895% | 860 |
| Net loans and leases to total assets | 84.9000% | 214 |
| Net loans and leases to deposits | 102.2017% | 425 |
| Net loans and leases to core deposits | 114.8282% | 661 |
| Total domestic deposits to total assets | 83.0700% | 3,033 |
| Equity capital to assets | 12.4986% | 925 |
| Core capital (leverage) ratio | 12.9186% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $162,322,000 | 3,270 |
| Average earning assets | $155,481,000 | 3,228 |
| Average equity | $20,278,667 | 2,838 |
| Average total loans | $141,155,667 | 2,759 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2459% | 896 |
| Cost of funding earning assets | 1.3056% | 1,218 |
| Net interest margin | 3.9402% | 1,387 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.3666% | 2,619 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.2519% | 1,794 |
| Return on assets (ROA) | 1.2519% | 1,766 |
| Pretax return on assets | 1.6883% | 1,291 |
| Return on Equity (ROE) | 10.0200% | 2,778 |
| Retained earnings to average equity (ytd only) | 10.0232% | 1,690 |
| Net charge-offs to loans | 0.0228% | 1,225 |
| Credit loss provision to net charge-offs | 750.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 92.1250% | 830 |
| Efficiency ratio | 56.2871% | 3,374 |
| Assets per employee ($millions) | 7.9334% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 2,741 |
| Loan loss allowance to noncurrent loans | 120.6268% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 574 |
| Noncurrent loans to loans | 0.9652% | 773 |
| Net loans and leases to total assets | 84.3300% | 215 |
| Net loans and leases to deposits | 97.5896% | 558 |
| Net loans and leases to core deposits | 109.0135% | 735 |
| Total domestic deposits to total assets | 86.4100% | 2,474 |
| Equity capital to assets | 12.1974% | 942 |
| Core capital (leverage) ratio | 13.1460% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $160,398,000 | 3,335 |
| Average earning assets | $153,797,500 | 3,282 |
| Average equity | $20,033,500 | 2,891 |
| Average total loans | $140,342,000 | 2,794 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1446% | 241 |
| Cost of funding earning assets | 0.6082% | 867 |
| Net interest margin | 4.5363% | 275 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.3637% | 2,534 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.6110% | 675 |
| Return on assets (ROA) | 1.6110% | 647 |
| Pretax return on assets | 2.1717% | 339 |
| Return on Equity (ROE) | 12.8100% | 1,870 |
| Retained earnings to average equity (ytd only) | 9.1396% | 1,441 |
| Net charge-offs to loans | 0.0391% | 1,315 |
| Credit loss provision to net charge-offs | 724.4898% | 532 |
| Earnings coverage of net charge-offs (x) | 74.4286% | 1,126 |
| Efficiency ratio | 49.5574% | 4,151 |
| Assets per employee ($millions) | 7.7098% | 1,480 |
| Cash dividends to net income (ytd only)* | 28.6650% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 2,610 |
| Loan loss allowance to noncurrent loans | 98.4644% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 404 |
| Noncurrent loans to loans | 1.1751% | 600 |
| Net loans and leases to total assets | 88.8100% | 54 |
| Net loans and leases to deposits | 102.2307% | 356 |
| Net loans and leases to core deposits | 113.2253% | 508 |
| Total domestic deposits to total assets | 86.8700% | 2,433 |
| Equity capital to assets | 12.8059% | 742 |
| Core capital (leverage) ratio | 13.2573% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $151,586,600 | 3,426 |
| Average earning assets | $142,869,000 | 3,394 |
| Average equity | $19,060,000 | 3,030 |
| Average total loans | $125,347,200 | 2,872 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 423 |
| Cost of funding earning assets | 0.5251% | 659 |
| Net interest margin | 4.0724% | 541 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.3497% | 2,479 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.3364% | 1,249 |
| Return on assets (ROA) | 1.3427% | 1,207 |
| Pretax return on assets | 1.8100% | 718 |
| Return on Equity (ROE) | 10.7300% | 2,490 |
| Retained earnings to average equity (ytd only) | 10.7294% | 1,127 |
| Net charge-offs to loans | 0.0503% | 978 |
| Credit loss provision to net charge-offs | 434.7826% | 671 |
| Earnings coverage of net charge-offs (x) | 48.6957% | 1,302 |
| Efficiency ratio | 54.2857% | 3,796 |
| Assets per employee ($millions) | 6.8479% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 2,950 |
| Loan loss allowance to noncurrent loans | 77.5936% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.2413% | 318 |
| Noncurrent loans to loans | 1.4363% | 494 |
| Net loans and leases to total assets | 85.4600% | 158 |
| Net loans and leases to deposits | 98.3582% | 436 |
| Net loans and leases to core deposits | 106.6864% | 570 |
| Total domestic deposits to total assets | 86.8900% | 2,799 |
| Equity capital to assets | 12.8932% | 691 |
| Core capital (leverage) ratio | 13.0857% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $150,934,500 | 3,460 |
| Average earning assets | $141,928,500 | 3,425 |
| Average equity | $18,888,500 | 3,083 |
| Average total loans | $122,049,000 | 2,913 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 491 |
| Cost of funding earning assets | 0.5152% | 477 |
| Net interest margin | 3.8280% | 709 |
| Noninterest income to average assets | 0.5390% | 1,999 |
| Noninterest expense to average assets | 2.2353% | 2,752 |
| Loan and lease loss provision to assets | 0.1589% | 588 |
| Net operating income to assets | 1.2884% | 1,171 |
| Return on assets (ROA) | 1.2978% | 1,122 |
| Pretax return on assets | 1.7480% | 681 |
| Return on Equity (ROE) | 10.4757% | 2,172 |
| Retained earnings to average equity (ytd only) | 10.4757% | 908 |
| Net charge-offs to loans | 0.0184% | 1,367 |
| Credit loss provision to net charge-offs | 1,090.9091% | 379 |
| Earnings coverage of net charge-offs (x) | 130.0909% | 705 |
| Efficiency ratio | 54.1199% | 3,956 |
| Assets per employee ($millions) | 6.8204% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 3,120 |
| Loan loss allowance to noncurrent loans | 67.4017% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.3902% | 272 |
| Noncurrent loans to loans | 1.6498% | 431 |
| Net loans and leases to total assets | 83.3307% | 213 |
| Net loans and leases to deposits | 95.7213% | 444 |
| Net loans and leases to core deposits | 105.4000% | 470 |
| Total domestic deposits to total assets | 87.0555% | 2,917 |
| Equity capital to assets | 12.7153% | 718 |
| Core capital (leverage) ratio | 12.5639% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,028,333 | 3,489 |
| Average earning assets | $141,694,000 | 3,482 |
| Average equity | $18,710,000 | 3,168 |
| Average total loans | $119,333,000 | 2,951 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 521 |
| Cost of funding earning assets | 0.5236% | 442 |
| Net interest margin | 3.6711% | 787 |
| Noninterest income to average assets | 0.5465% | 1,919 |
| Noninterest expense to average assets | 2.3575% | 2,314 |
| Loan and lease loss provision to assets | 0.1584% | 491 |
| Net operating income to assets | 1.0797% | 1,583 |
| Return on assets (ROA) | 1.0797% | 1,581 |
| Pretax return on assets | 1.4546% | 1,115 |
| Return on Equity (ROE) | 8.8311% | 2,378 |
| Retained earnings to average equity (ytd only) | 8.8311% | 1,318 |
| Net charge-offs to loans | 0.0138% | 1,268 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 152.7500% | 529 |
| Efficiency ratio | 59.3750% | 3,548 |
| Assets per employee ($millions) | 6.9733% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 2,993 |
| Loan loss allowance to noncurrent loans | 62.9888% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.4001% | 269 |
| Noncurrent loans to loans | 1.8612% | 406 |
| Net loans and leases to total assets | 74.3464% | 637 |
| Net loans and leases to deposits | 88.1212% | 612 |
| Net loans and leases to core deposits | 98.3725% | 566 |
| Total domestic deposits to total assets | 84.3683% | 3,682 |
| Equity capital to assets | 12.1443% | 908 |
| Core capital (leverage) ratio | 12.2927% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,518,500 | 3,498 |
| Average earning assets | $141,319,000 | 3,494 |
| Average equity | $18,525,500 | 3,280 |
| Average total loans | $115,778,500 | 2,986 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8515% | 331 |
| Cost of funding earning assets | 0.6648% | 388 |
| Net interest margin | 4.1867% | 499 |
| Noninterest income to average assets | 0.8464% | 1,330 |
| Noninterest expense to average assets | 2.2830% | 2,845 |
| Loan and lease loss provision to assets | 0.1645% | 714 |
| Net operating income to assets | 1.7066% | 622 |
| Return on assets (ROA) | 1.7066% | 648 |
| Pretax return on assets | 2.2967% | 348 |
| Return on Equity (ROE) | 14.3741% | 1,090 |
| Retained earnings to average equity (ytd only) | 13.2196% | 377 |
| Net charge-offs to loans | 0.3256% | 262 |
| Credit loss provision to net charge-offs | 64.3432% | 2,041 |
| Earnings coverage of net charge-offs (x) | 9.6273% | 2,254 |
| Efficiency ratio | 48.1219% | 4,393 |
| Assets per employee ($millions) | 6.8011% | 2,068 |
| Cash dividends to net income (ytd only)* | 8.0321% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,290 |
| Loan loss allowance to noncurrent loans | 55.8570% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.5519% | 260 |
| Noncurrent loans to loans | 1.9992% | 392 |
| Net loans and leases to total assets | 76.7591% | 457 |
| Net loans and leases to deposits | 91.5628% | 497 |
| Net loans and leases to core deposits | 102.8173% | 440 |
| Total domestic deposits to total assets | 83.8321% | 3,608 |
| Equity capital to assets | 12.3109% | 1,123 |
| Core capital (leverage) ratio | 12.1146% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3937% | 1,713 |
| Memoranda: | ||
| Average total assets | $145,906,200 | 3,521 |
| Average earning assets | $135,834,800 | 3,525 |
| Average equity | $17,322,800 | 3,436 |
| Average total loans | $114,570,400 | 3,000 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 299 |
| Cost of funding earning assets | 0.6961% | 390 |
| Net interest margin | 4.3040% | 444 |
| Noninterest income to average assets | 0.8544% | 1,370 |
| Noninterest expense to average assets | 2.2458% | 2,905 |
| Loan and lease loss provision to assets | 0.1655% | 661 |
| Net operating income to assets | 1.8090% | 654 |
| Return on assets (ROA) | 1.8090% | 681 |
| Pretax return on assets | 2.4518% | 366 |
| Return on Equity (ROE) | 15.3832% | 1,063 |
| Retained earnings to average equity (ytd only) | 15.3832% | 347 |
| Net charge-offs to loans | 0.4321% | 178 |
| Credit loss provision to net charge-offs | 48.6486% | 1,870 |
| Earnings coverage of net charge-offs (x) | 7.6919% | 2,123 |
| Efficiency ratio | 46.1800% | 4,492 |
| Assets per employee ($millions) | 6.8860% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 3,515 |
| Loan loss allowance to noncurrent loans | 50.1212% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.6344% | 288 |
| Noncurrent loans to loans | 2.1614% | 386 |
| Net loans and leases to total assets | 74.7969% | 629 |
| Net loans and leases to deposits | 88.7093% | 676 |
| Net loans and leases to core deposits | 99.3808% | 613 |
| Total domestic deposits to total assets | 84.3168% | 3,364 |
| Equity capital to assets | 11.9689% | 1,419 |
| Core capital (leverage) ratio | 12.2839% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,976,750 | 3,567 |
| Average earning assets | $135,033,250 | 3,567 |
| Average equity | $17,048,500 | 3,506 |
| Average total loans | $114,176,250 | 3,050 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 847 |
| Cost of funding earning assets | 0.7353% | 387 |
| Net interest margin | 3.6661% | 1,435 |
| Noninterest income to average assets | 0.9215% | 1,211 |
| Noninterest expense to average assets | 2.3641% | 2,572 |
| Loan and lease loss provision to assets | 0.1681% | 692 |
| Net operating income to assets | 1.3305% | 1,772 |
| Return on assets (ROA) | 1.3305% | 1,836 |
| Pretax return on assets | 1.7969% | 1,243 |
| Return on Equity (ROE) | 11.3859% | 2,275 |
| Retained earnings to average equity (ytd only) | 11.3859% | 1,036 |
| Net charge-offs to loans | -0.1175% | 4,672 |
| Credit loss provision to net charge-offs | -179.1045% | 3,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6102% | 3,730 |
| Assets per employee ($millions) | 6.1187% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 2,200 |
| Loan loss allowance to noncurrent loans | 46.0684% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 2.3902% | 153 |
| Noncurrent loans to loans | 2.9261% | 253 |
| Net loans and leases to total assets | 80.5835% | 279 |
| Net loans and leases to deposits | 95.2264% | 413 |
| Net loans and leases to core deposits | 107.5098% | 427 |
| Total domestic deposits to total assets | 84.6230% | 3,252 |
| Equity capital to assets | 11.6698% | 1,539 |
| Core capital (leverage) ratio | 11.7516% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,804,667 | 3,602 |
| Average earning assets | $132,728,333 | 3,600 |
| Average equity | $16,687,333 | 3,544 |
| Average total loans | $114,050,667 | 3,068 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 848 |
| Cost of funding earning assets | 0.7669% | 418 |
| Net interest margin | 3.6810% | 1,376 |
| Noninterest income to average assets | 0.9035% | 1,315 |
| Noninterest expense to average assets | 2.2020% | 3,110 |
| Loan and lease loss provision to assets | 0.1705% | 730 |
| Net operating income to assets | 1.4377% | 1,473 |
| Return on assets (ROA) | 1.4377% | 1,547 |
| Pretax return on assets | 1.9406% | 1,044 |
| Return on Equity (ROE) | 12.2946% | 1,909 |
| Retained earnings to average equity (ytd only) | 12.2946% | 1,076 |
| Net charge-offs to loans | -0.0036% | 3,273 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0540% | 4,087 |
| Assets per employee ($millions) | 6.5541% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 2,490 |
| Loan loss allowance to noncurrent loans | 43.0095% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 2.4059% | 176 |
| Noncurrent loans to loans | 2.9951% | 265 |
| Net loans and leases to total assets | 79.2912% | 381 |
| Net loans and leases to deposits | 92.9323% | 549 |
| Net loans and leases to core deposits | 105.8454% | 519 |
| Total domestic deposits to total assets | 85.3215% | 2,989 |
| Equity capital to assets | 11.5806% | 1,494 |
| Core capital (leverage) ratio | 11.9106% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,782,500 | 3,633 |
| Average earning assets | $130,398,500 | 3,628 |
| Average equity | $16,462,500 | 3,561 |
| Average total loans | $111,099,500 | 3,116 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 1,016 |
| Cost of funding earning assets | 1.0518% | 490 |
| Net interest margin | 3.5887% | 2,172 |
| Noninterest income to average assets | 1.3720% | 620 |
| Noninterest expense to average assets | 2.3783% | 3,179 |
| Loan and lease loss provision to assets | 0.1656% | 2,308 |
| Net operating income to assets | 1.5989% | 641 |
| Return on assets (ROA) | 1.5989% | 695 |
| Pretax return on assets | 2.1813% | 308 |
| Return on Equity (ROE) | 13.2000% | 992 |
| Retained earnings to average equity (ytd only) | 9.9600% | 593 |
| Net charge-offs to loans | 0.1194% | 1,297 |
| Credit loss provision to net charge-offs | 177.3109% | 2,278 |
| Earnings coverage of net charge-offs (x) | 25.1261% | 1,753 |
| Efficiency ratio | 50.3322% | 4,508 |
| Assets per employee ($millions) | 5.9728% | 2,355 |
| Cash dividends to net income (ytd only)* | 24.5459% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 2,216 |
| Loan loss allowance to noncurrent loans | 38.4202% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 2.7094% | 153 |
| Noncurrent loans to loans | 3.4989% | 199 |
| Net loans and leases to total assets | 76.3945% | 743 |
| Net loans and leases to deposits | 90.5106% | 891 |
| Net loans and leases to core deposits | 105.1647% | 682 |
| Total domestic deposits to total assets | 84.4040% | 2,980 |
| Equity capital to assets | 11.8122% | 1,673 |
| Core capital (leverage) ratio | 11.7014% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,402,600 | 3,665 |
| Average earning assets | $119,038,800 | 3,629 |
| Average equity | $15,431,800 | 3,619 |
| Average total loans | $99,673,400 | 3,233 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5739% | 1,382 |
| Cost of funding earning assets | 1.1030% | 534 |
| Net interest margin | 3.4709% | 2,691 |
| Noninterest income to average assets | 1.3855% | 579 |
| Noninterest expense to average assets | 2.3814% | 3,192 |
| Loan and lease loss provision to assets | 0.1609% | 2,389 |
| Net operating income to assets | 1.5307% | 851 |
| Return on assets (ROA) | 1.5307% | 929 |
| Pretax return on assets | 2.0943% | 420 |
| Return on Equity (ROE) | 12.5514% | 1,232 |
| Retained earnings to average equity (ytd only) | 12.5514% | 368 |
| Net charge-offs to loans | 0.0667% | 1,656 |
| Credit loss provision to net charge-offs | 308.1633% | 1,735 |
| Earnings coverage of net charge-offs (x) | 43.1224% | 1,303 |
| Efficiency ratio | 51.3582% | 4,391 |
| Assets per employee ($millions) | 6.0796% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 1,697 |
| Loan loss allowance to noncurrent loans | 38.4307% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.8015% | 168 |
| Noncurrent loans to loans | 3.6712% | 200 |
| Net loans and leases to total assets | 75.2318% | 1,201 |
| Net loans and leases to deposits | 88.8991% | 1,381 |
| Net loans and leases to core deposits | 104.2390% | 911 |
| Total domestic deposits to total assets | 84.6260% | 2,583 |
| Equity capital to assets | 12.0170% | 1,664 |
| Core capital (leverage) ratio | 12.0412% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,909,500 | 3,682 |
| Average earning assets | $117,008,750 | 3,652 |
| Average equity | $15,233,000 | 3,633 |
| Average total loans | $97,997,500 | 3,277 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6036% | 1,644 |
| Cost of funding earning assets | 1.1478% | 612 |
| Net interest margin | 3.4557% | 2,932 |
| Noninterest income to average assets | 1.2824% | 621 |
| Noninterest expense to average assets | 2.3942% | 3,276 |
| Loan and lease loss provision to assets | 0.0984% | 3,046 |
| Net operating income to assets | 1.4775% | 961 |
| Return on assets (ROA) | 1.4775% | 1,047 |
| Pretax return on assets | 2.0383% | 505 |
| Return on Equity (ROE) | 12.0511% | 1,322 |
| Retained earnings to average equity (ytd only) | 12.0511% | 457 |
| Net charge-offs to loans | 0.0828% | 1,422 |
| Credit loss provision to net charge-offs | 150.0000% | 2,122 |
| Earnings coverage of net charge-offs (x) | 32.5750% | 1,371 |
| Efficiency ratio | 52.8411% | 4,285 |
| Assets per employee ($millions) | 5.2760% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 1,768 |
| Loan loss allowance to noncurrent loans | 36.4956% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.8211% | 182 |
| Noncurrent loans to loans | 3.7058% | 200 |
| Net loans and leases to total assets | 75.0965% | 1,265 |
| Net loans and leases to deposits | 88.6618% | 1,486 |
| Net loans and leases to core deposits | 103.9097% | 1,009 |
| Total domestic deposits to total assets | 84.6999% | 2,504 |
| Equity capital to assets | 11.7406% | 1,809 |
| Core capital (leverage) ratio | 12.3567% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,962,000 | 3,701 |
| Average earning assets | $114,650,333 | 3,671 |
| Average equity | $14,953,000 | 3,657 |
| Average total loans | $96,642,000 | 3,291 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 1,426 |
| Cost of funding earning assets | 1.1910% | 797 |
| Net interest margin | 3.6055% | 2,648 |
| Noninterest income to average assets | 0.8206% | 1,253 |
| Noninterest expense to average assets | 2.2429% | 3,907 |
| Loan and lease loss provision to assets | 0.1026% | 2,399 |
| Net operating income to assets | 1.3300% | 1,158 |
| Return on assets (ROA) | 1.3300% | 1,251 |
| Pretax return on assets | 1.8907% | 579 |
| Return on Equity (ROE) | 10.5948% | 1,535 |
| Retained earnings to average equity (ytd only) | 10.5948% | 630 |
| Net charge-offs to loans | 0.1731% | 768 |
| Credit loss provision to net charge-offs | 73.1707% | 1,964 |
| Earnings coverage of net charge-offs (x) | 14.2195% | 1,607 |
| Efficiency ratio | 52.9459% | 4,476 |
| Assets per employee ($millions) | 4.8187% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 1,759 |
| Loan loss allowance to noncurrent loans | 36.1482% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 3.1743% | 175 |
| Noncurrent loans to loans | 3.8275% | 219 |
| Net loans and leases to total assets | 81.7845% | 458 |
| Net loans and leases to deposits | 94.3622% | 1,046 |
| Net loans and leases to core deposits | 121.9545% | 412 |
| Total domestic deposits to total assets | 86.6709% | 1,707 |
| Equity capital to assets | 12.8847% | 1,502 |
| Core capital (leverage) ratio | 12.9721% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,992,500 | 3,751 |
| Average earning assets | $110,829,500 | 3,705 |
| Average equity | $14,686,500 | 3,698 |
| Average total loans | $94,757,500 | 3,305 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9673% | 1,559 |
| Cost of funding earning assets | 1.1098% | 1,288 |
| Net interest margin | 3.8575% | 2,313 |
| Noninterest income to average assets | 0.7359% | 1,681 |
| Noninterest expense to average assets | 2.6343% | 3,080 |
| Loan and lease loss provision to assets | 0.1111% | 1,877 |
| Net operating income to assets | 1.2361% | 1,922 |
| Return on assets (ROA) | 1.2375% | 2,000 |
| Pretax return on assets | 1.6568% | 1,316 |
| Return on Equity (ROE) | 9.5120% | 2,513 |
| Retained earnings to average equity (ytd only) | 6.3105% | 1,712 |
| Net charge-offs to loans | 0.0023% | 3,619 |
| Credit loss provision to net charge-offs | 6,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 954.0000% | 106 |
| Efficiency ratio | 59.8654% | 3,717 |
| Assets per employee ($millions) | 5.3789% | 2,169 |
| Cash dividends to net income (ytd only)* | 33.6574% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,424 |
| Loan loss allowance to noncurrent loans | 46.1857% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.4481% | 266 |
| Noncurrent loans to loans | 3.0949% | 297 |
| Net loans and leases to total assets | 77.9704% | 1,085 |
| Net loans and leases to deposits | 89.8168% | 1,610 |
| Net loans and leases to core deposits | 109.4378% | 886 |
| Total domestic deposits to total assets | 86.8104% | 1,705 |
| Equity capital to assets | 12.2296% | 1,994 |
| Core capital (leverage) ratio | 12.8497% | 1,312 |
| Tier 1 risk-based capital ratio | 14.8899% | 2,827 |
| Total risk-based capital ratio | 16.1415% | 2,760 |
| Memoranda: | ||
| Average total assets | $108,038,000 | 3,861 |
| Average earning assets | $102,632,000 | 3,823 |
| Average equity | $14,056,000 | 3,743 |
| Average total loans | $88,534,400 | 3,436 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0000% | 1,538 |
| Cost of funding earning assets | 1.0770% | 1,440 |
| Net interest margin | 3.9230% | 2,183 |
| Noninterest income to average assets | 0.6688% | 1,920 |
| Noninterest expense to average assets | 2.6220% | 3,097 |
| Loan and lease loss provision to assets | 0.1138% | 1,707 |
| Net operating income to assets | 1.2453% | 2,030 |
| Return on assets (ROA) | 1.2453% | 2,110 |
| Pretax return on assets | 1.6675% | 1,426 |
| Return on Equity (ROE) | 9.4130% | 2,708 |
| Retained earnings to average equity (ytd only) | 9.4130% | 921 |
| Net charge-offs to loans | 0.0031% | 3,307 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 703.6030% | 138 |
| Efficiency ratio | 59.5464% | 3,723 |
| Assets per employee ($millions) | 4.4517% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 1,492 |
| Loan loss allowance to noncurrent loans | 137.3950% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.8554% | 1,600 |
| Noncurrent loans to loans | 1.0355% | 1,550 |
| Net loans and leases to total assets | 81.4335% | 637 |
| Net loans and leases to deposits | 94.2471% | 1,200 |
| Net loans and leases to core deposits | 116.0854% | 652 |
| Total domestic deposits to total assets | 86.4042% | 1,816 |
| Equity capital to assets | 13.0899% | 1,572 |
| Core capital (leverage) ratio | 13.4933% | 1,136 |
| Tier 1 risk-based capital ratio | 15.8996% | 2,474 |
| Total risk-based capital ratio | 17.1513% | 2,405 |
| Memoranda: | ||
| Average total assets | $105,463,500 | 3,949 |
| Average earning assets | $100,397,250 | 3,901 |
| Average equity | $13,952,000 | 3,789 |
| Average total loans | $87,266,750 | 3,506 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9304% | 1,663 |
| Cost of funding earning assets | 1.0295% | 1,571 |
| Net interest margin | 3.9009% | 2,244 |
| Noninterest income to average assets | 0.5912% | 2,190 |
| Noninterest expense to average assets | 2.6101% | 3,175 |
| Loan and lease loss provision to assets | 0.1159% | 1,619 |
| Net operating income to assets | 1.1824% | 2,214 |
| Return on assets (ROA) | 1.1824% | 2,280 |
| Pretax return on assets | 1.5765% | 1,620 |
| Return on Equity (ROE) | 8.9040% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.9040% | 1,058 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6646% | 3,633 |
| Assets per employee ($millions) | 4.2431% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 1,548 |
| Loan loss allowance to noncurrent loans | 135.8811% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.8880% | 1,578 |
| Noncurrent loans to loans | 1.0415% | 1,572 |
| Net loans and leases to total assets | 84.0570% | 356 |
| Net loans and leases to deposits | 97.4119% | 898 |
| Net loans and leases to core deposits | 120.7132% | 525 |
| Total domestic deposits to total assets | 86.2903% | 1,896 |
| Equity capital to assets | 13.3194% | 1,426 |
| Core capital (leverage) ratio | 13.8800% | 1,003 |
| Tier 1 risk-based capital ratio | 15.3402% | 2,688 |
| Total risk-based capital ratio | 16.5914% | 2,616 |
| Memoranda: | ||
| Average total assets | $103,520,670 | 4,009 |
| Average earning assets | $98,491,000 | 3,957 |
| Average equity | $13,746,670 | 3,823 |
| Average total loans | $85,710,000 | 3,554 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8535% | 1,751 |
| Cost of funding earning assets | 0.9592% | 1,751 |
| Net interest margin | 3.8944% | 2,205 |
| Noninterest income to average assets | 0.5282% | 2,389 |
| Noninterest expense to average assets | 2.7425% | 2,768 |
| Loan and lease loss provision to assets | 0.1174% | 1,498 |
| Net operating income to assets | 1.0211% | 2,771 |
| Return on assets (ROA) | 1.0211% | 2,810 |
| Pretax return on assets | 1.3693% | 2,199 |
| Return on Equity (ROE) | 7.7017% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.7017% | 1,769 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8474% | 3,107 |
| Assets per employee ($millions) | 5.0673% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 1,338 |
| Loan loss allowance to noncurrent loans | 125.6539% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 1,422 |
| Noncurrent loans to loans | 1.1942% | 1,385 |
| Net loans and leases to total assets | 80.9019% | 722 |
| Net loans and leases to deposits | 93.9810% | 1,179 |
| Net loans and leases to core deposits | 117.6597% | 591 |
| Total domestic deposits to total assets | 86.0832% | 2,240 |
| Equity capital to assets | 13.5636% | 1,187 |
| Core capital (leverage) ratio | 13.7320% | 1,015 |
| Tier 1 risk-based capital ratio | 16.6973% | 2,201 |
| Total risk-based capital ratio | 17.9501% | 2,154 |
| Memoranda: | ||
| Average total assets | $102,242,000 | 4,068 |
| Average earning assets | $97,166,000 | 4,025 |
| Average equity | $13,555,500 | 3,863 |
| Average total loans | $83,342,000 | 3,625 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8095% | 1,529 |
| Cost of funding earning assets | 0.7716% | 1,683 |
| Net interest margin | 4.0379% | 1,858 |
| Noninterest income to average assets | 0.6341% | 2,133 |
| Noninterest expense to average assets | 2.5575% | 3,448 |
| Loan and lease loss provision to assets | 0.1202% | 1,841 |
| Net operating income to assets | 1.3292% | 1,686 |
| Return on assets (ROA) | 1.3474% | 1,611 |
| Pretax return on assets | 1.8012% | 915 |
| Return on Equity (ROE) | 10.3916% | 2,350 |
| Retained earnings to average equity (ytd only) | 7.6874% | 1,381 |
| Net charge-offs to loans | 0.0613% | 2,254 |
| Credit loss provision to net charge-offs | 240.0000% | 1,231 |
| Earnings coverage of net charge-offs (x) | 37.9000% | 1,364 |
| Efficiency ratio | 57.3966% | 4,232 |
| Assets per employee ($millions) | 4.9114% | 2,607 |
| Cash dividends to net income (ytd only)* | 26.0223% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 1,410 |
| Loan loss allowance to noncurrent loans | 114.6617% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.0326% | 1,319 |
| Noncurrent loans to loans | 1.2751% | 1,245 |
| Net loans and leases to total assets | 79.7225% | 979 |
| Net loans and leases to deposits | 92.4635% | 1,485 |
| Net loans and leases to core deposits | 114.3380% | 769 |
| Total domestic deposits to total assets | 86.2205% | 2,125 |
| Equity capital to assets | 12.9582% | 1,366 |
| Core capital (leverage) ratio | 13.5866% | 1,046 |
| Tier 1 risk-based capital ratio | 15.7040% | 2,531 |
| Total risk-based capital ratio | 16.9560% | 2,455 |
| Memoranda: | ||
| Average total assets | $99,823,800 | 4,102 |
| Average earning assets | $94,480,400 | 4,056 |
| Average equity | $12,943,200 | 3,893 |
| Average total loans | $81,545,800 | 3,636 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 1,663 |
| Cost of funding earning assets | 0.7371% | 1,639 |
| Net interest margin | 3.9674% | 2,062 |
| Noninterest income to average assets | 0.6195% | 2,211 |
| Noninterest expense to average assets | 2.6465% | 3,131 |
| Loan and lease loss provision to assets | 0.1212% | 1,664 |
| Net operating income to assets | 1.1950% | 2,262 |
| Return on assets (ROA) | 1.2014% | 2,233 |
| Pretax return on assets | 1.6148% | 1,531 |
| Return on Equity (ROE) | 9.2641% | 2,973 |
| Retained earnings to average equity (ytd only) | 9.2641% | 1,128 |
| Net charge-offs to loans | -0.0148% | 4,511 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4988% | 3,742 |
| Assets per employee ($millions) | 4.7436% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,445 |
| Loan loss allowance to noncurrent loans | 93.3483% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.3462% | 1,004 |
| Noncurrent loans to loans | 1.5770% | 1,013 |
| Net loans and leases to total assets | 83.9172% | 465 |
| Net loans and leases to deposits | 97.4482% | 1,004 |
| Net loans and leases to core deposits | 114.1821% | 807 |
| Total domestic deposits to total assets | 86.1147% | 2,138 |
| Equity capital to assets | 13.2358% | 1,238 |
| Core capital (leverage) ratio | 13.7042% | 1,028 |
| Tier 1 risk-based capital ratio | 15.5679% | 2,619 |
| Total risk-based capital ratio | 16.8198% | 2,555 |
| Memoranda: | ||
| Average total assets | $98,995,000 | 4,158 |
| Average earning assets | $93,695,500 | 4,114 |
| Average equity | $12,837,750 | 3,937 |
| Average total loans | $81,071,000 | 3,675 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 1,634 |
| Cost of funding earning assets | 0.7297% | 1,470 |
| Net interest margin | 3.9240% | 2,126 |
| Noninterest income to average assets | 0.5912% | 2,372 |
| Noninterest expense to average assets | 2.3910% | 3,922 |
| Loan and lease loss provision to assets | 0.1215% | 1,621 |
| Net operating income to assets | 1.3124% | 1,723 |
| Return on assets (ROA) | 1.3220% | 1,695 |
| Pretax return on assets | 1.7816% | 1,003 |
| Return on Equity (ROE) | 10.2657% | 2,441 |
| Retained earnings to average equity (ytd only) | 10.2657% | 849 |
| Net charge-offs to loans | -0.0200% | 4,570 |
| Credit loss provision to net charge-offs | -750.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8392% | 4,496 |
| Assets per employee ($millions) | 4.4485% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,379 |
| Loan loss allowance to noncurrent loans | 82.8008% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.5071% | 881 |
| Noncurrent loans to loans | 1.8181% | 854 |
| Net loans and leases to total assets | 81.4289% | 783 |
| Net loans and leases to deposits | 94.3547% | 1,316 |
| Net loans and leases to core deposits | 112.1648% | 875 |
| Total domestic deposits to total assets | 86.3008% | 2,139 |
| Equity capital to assets | 13.2782% | 1,194 |
| Core capital (leverage) ratio | 13.6549% | 1,011 |
| Tier 1 risk-based capital ratio | 15.1328% | 2,806 |
| Total risk-based capital ratio | 16.3842% | 2,732 |
| Memoranda: | ||
| Average total assets | $98,788,000 | 4,194 |
| Average earning assets | $92,915,670 | 4,160 |
| Average equity | $12,722,000 | 3,979 |
| Average total loans | $79,813,330 | 3,714 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 1,704 |
| Cost of funding earning assets | 0.6910% | 1,489 |
| Net interest margin | 3.8629% | 2,185 |
| Noninterest income to average assets | 0.7013% | 1,823 |
| Noninterest expense to average assets | 2.2973% | 4,198 |
| Loan and lease loss provision to assets | 0.1209% | 1,561 |
| Net operating income to assets | 1.4180% | 1,293 |
| Return on assets (ROA) | 1.4308% | 1,261 |
| Pretax return on assets | 1.9265% | 680 |
| Return on Equity (ROE) | 11.2828% | 1,859 |
| Retained earnings to average equity (ytd only) | 11.2828% | 830 |
| Net charge-offs to loans | -0.0505% | 4,967 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0726% | 4,876 |
| Assets per employee ($millions) | 4.5043% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 1,381 |
| Loan loss allowance to noncurrent loans | 79.8658% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.5097% | 920 |
| Noncurrent loans to loans | 1.9070% | 856 |
| Net loans and leases to total assets | 77.6447% | 1,289 |
| Net loans and leases to deposits | 89.5018% | 1,746 |
| Net loans and leases to core deposits | 108.2912% | 1,103 |
| Total domestic deposits to total assets | 86.7521% | 2,220 |
| Equity capital to assets | 12.8241% | 1,328 |
| Core capital (leverage) ratio | 13.1509% | 1,122 |
| Tier 1 risk-based capital ratio | 15.2418% | 2,768 |
| Total risk-based capital ratio | 16.4936% | 2,704 |
| Memoranda: | ||
| Average total assets | $99,248,500 | 4,235 |
| Average earning assets | $93,195,000 | 4,201 |
| Average equity | $12,585,500 | 4,033 |
| Average total loans | $79,265,000 | 3,756 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 1,189 |
| Cost of funding earning assets | 0.6937% | 1,063 |
| Net interest margin | 4.0080% | 1,724 |
| Noninterest income to average assets | 0.6691% | 2,096 |
| Noninterest expense to average assets | 2.5240% | 3,704 |
| Loan and lease loss provision to assets | 0.1243% | 1,838 |
| Net operating income to assets | 0.9250% | 2,574 |
| Return on assets (ROA) | 0.9290% | 2,583 |
| Pretax return on assets | 1.7969% | 798 |
| Return on Equity (ROE) | 7.2994% | 3,119 |
| Retained earnings to average equity (ytd only) | 5.2650% | 1,959 |
| Net charge-offs to loans | 0.2673% | 972 |
| Credit loss provision to net charge-offs | 57.6923% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.8894% | 2,855 |
| Efficiency ratio | 56.8595% | 4,674 |
| Assets per employee ($millions) | 4.9701% | 2,517 |
| Cash dividends to net income (ytd only)* | 27.8707% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 1,655 |
| Loan loss allowance to noncurrent loans | 75.3443% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.5422% | 872 |
| Noncurrent loans to loans | 1.8968% | 819 |
| Net loans and leases to total assets | 79.7258% | 998 |
| Net loans and leases to deposits | 92.1446% | 1,502 |
| Net loans and leases to core deposits | 110.8130% | 964 |
| Total domestic deposits to total assets | 86.5224% | 2,221 |
| Equity capital to assets | 12.5380% | 1,495 |
| Core capital (leverage) ratio | 12.9663% | 1,155 |
| Tier 1 risk-based capital ratio | 14.5697% | 3,054 |
| Total risk-based capital ratio | 15.8197% | 2,976 |
| Memoranda: | ||
| Average total assets | $96,553,800 | 4,302 |
| Average earning assets | $90,818,400 | 4,269 |
| Average equity | $12,288,600 | 4,092 |
| Average total loans | $77,800,800 | 3,794 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 1,185 |
| Cost of funding earning assets | 0.6853% | 1,038 |
| Net interest margin | 3.9940% | 1,721 |
| Noninterest income to average assets | 0.6705% | 2,123 |
| Noninterest expense to average assets | 2.4971% | 3,749 |
| Loan and lease loss provision to assets | 0.1252% | 1,732 |
| Net operating income to assets | 1.1471% | 1,891 |
| Return on assets (ROA) | 1.1435% | 1,954 |
| Pretax return on assets | 1.8127% | 861 |
| Return on Equity (ROE) | 8.9503% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.9503% | 860 |
| Net charge-offs to loans | 0.3612% | 582 |
| Credit loss provision to net charge-offs | 43.0622% | 2,984 |
| Earnings coverage of net charge-offs (x) | 6.6842% | 2,955 |
| Efficiency ratio | 56.2343% | 4,713 |
| Assets per employee ($millions) | 4.5562% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 1,786 |
| Loan loss allowance to noncurrent loans | 81.6788% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.4413% | 1,066 |
| Noncurrent loans to loans | 1.7477% | 1,028 |
| Net loans and leases to total assets | 80.7598% | 877 |
| Net loans and leases to deposits | 93.5938% | 1,340 |
| Net loans and leases to core deposits | 115.4487% | 767 |
| Total domestic deposits to total assets | 86.2876% | 2,186 |
| Equity capital to assets | 13.2755% | 1,263 |
| Core capital (leverage) ratio | 13.3798% | 1,071 |
| Tier 1 risk-based capital ratio | 15.1554% | 2,858 |
| Total risk-based capital ratio | 16.4059% | 2,788 |
| Memoranda: | ||
| Average total assets | $95,841,750 | 4,353 |
| Average earning assets | $90,467,250 | 4,322 |
| Average equity | $12,245,000 | 4,135 |
| Average total loans | $77,151,500 | 3,839 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 1,324 |
| Cost of funding earning assets | 0.6731% | 1,031 |
| Net interest margin | 3.8975% | 1,937 |
| Noninterest income to average assets | 0.6695% | 2,131 |
| Noninterest expense to average assets | 2.5152% | 3,702 |
| Loan and lease loss provision to assets | 0.1251% | 1,657 |
| Net operating income to assets | 1.0875% | 2,044 |
| Return on assets (ROA) | 1.0929% | 2,067 |
| Pretax return on assets | 1.7206% | 1,012 |
| Return on Equity (ROE) | 8.6664% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.6664% | 949 |
| Net charge-offs to loans | 0.0130% | 2,997 |
| Credit loss provision to net charge-offs | 1,200.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 176.2000% | 446 |
| Efficiency ratio | 57.7863% | 4,621 |
| Assets per employee ($millions) | 4.3281% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 1,100 |
| Loan loss allowance to noncurrent loans | 86.4883% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.5816% | 945 |
| Noncurrent loans to loans | 1.9425% | 885 |
| Net loans and leases to total assets | 79.4713% | 1,029 |
| Net loans and leases to deposits | 91.6635% | 1,541 |
| Net loans and leases to core deposits | 112.3749% | 884 |
| Total domestic deposits to total assets | 86.6989% | 2,086 |
| Equity capital to assets | 13.0406% | 1,357 |
| Core capital (leverage) ratio | 12.8616% | 1,235 |
| Tier 1 risk-based capital ratio | 15.8682% | 2,555 |
| Total risk-based capital ratio | 17.1236% | 2,496 |
| Memoranda: | ||
| Average total assets | $95,895,670 | 4,378 |
| Average earning assets | $90,622,330 | 4,342 |
| Average equity | $12,092,670 | 4,167 |
| Average total loans | $76,738,670 | 3,865 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 1,196 |
| Cost of funding earning assets | 0.6787% | 938 |
| Net interest margin | 3.8972% | 1,788 |
| Noninterest income to average assets | 0.4614% | 3,245 |
| Noninterest expense to average assets | 2.3775% | 4,185 |
| Loan and lease loss provision to assets | 0.1247% | 1,539 |
| Net operating income to assets | 1.0516% | 2,063 |
| Return on assets (ROA) | 1.0516% | 2,110 |
| Pretax return on assets | 1.6584% | 1,100 |
| Return on Equity (ROE) | 8.4825% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.4825% | 1,284 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 4,822 |
| Assets per employee ($millions) | 4.1949% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 1,269 |
| Loan loss allowance to noncurrent loans | 81.5840% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.6231% | 961 |
| Noncurrent loans to loans | 2.0119% | 884 |
| Net loans and leases to total assets | 78.6895% | 1,032 |
| Net loans and leases to deposits | 90.1729% | 1,511 |
| Net loans and leases to core deposits | 114.0347% | 669 |
| Total domestic deposits to total assets | 87.2651% | 2,084 |
| Equity capital to assets | 12.5193% | 1,515 |
| Core capital (leverage) ratio | 12.6417% | 1,271 |
| Tier 1 risk-based capital ratio | 15.6452% | 2,696 |
| Total risk-based capital ratio | 16.8987% | 2,631 |
| Memoranda: | ||
| Average total assets | $96,234,500 | 4,421 |
| Average earning assets | $91,347,000 | 4,363 |
| Average equity | $11,930,500 | 4,225 |
| Average total loans | $76,626,000 | 3,892 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 1,253 |
| Cost of funding earning assets | 0.7243% | 724 |
| Net interest margin | 3.8871% | 2,005 |
| Noninterest income to average assets | 0.4678% | 3,429 |
| Noninterest expense to average assets | 2.5210% | 3,952 |
| Loan and lease loss provision to assets | 0.1256% | 1,976 |
| Net operating income to assets | 0.9649% | 2,513 |
| Return on assets (ROA) | 0.9649% | 2,617 |
| Pretax return on assets | 1.4996% | 1,582 |
| Return on Equity (ROE) | 7.9561% | 2,962 |
| Retained earnings to average equity (ytd only) | 7.0932% | 1,192 |
| Net charge-offs to loans | -0.0054% | 4,823 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8026% | 4,455 |
| Assets per employee ($millions) | 4.1733% | 3,661 |
| Cash dividends to net income (ytd only)* | 10.8460% | 4,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 1,311 |
| Loan loss allowance to noncurrent loans | 97.1720% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.3419% | 1,293 |
| Noncurrent loans to loans | 1.6736% | 1,152 |
| Net loans and leases to total assets | 77.9551% | 1,201 |
| Net loans and leases to deposits | 89.1752% | 1,785 |
| Net loans and leases to core deposits | 105.5017% | 1,165 |
| Total domestic deposits to total assets | 87.4180% | 1,922 |
| Equity capital to assets | 12.2747% | 1,645 |
| Core capital (leverage) ratio | 12.4852% | 1,340 |
| Tier 1 risk-based capital ratio | 15.8974% | 2,591 |
| Total risk-based capital ratio | 17.1514% | 2,522 |
| Memoranda: | ||
| Average total assets | $95,556,200 | 4,440 |
| Average earning assets | $90,426,600 | 4,374 |
| Average equity | $11,588,600 | 4,320 |
| Average total loans | $74,754,400 | 3,929 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5420% | 1,423 |
| Cost of funding earning assets | 0.7307% | 697 |
| Net interest margin | 3.8113% | 2,290 |
| Noninterest income to average assets | 0.4889% | 3,331 |
| Noninterest expense to average assets | 2.4334% | 4,182 |
| Loan and lease loss provision to assets | 0.0419% | 3,401 |
| Net operating income to assets | 1.0297% | 2,295 |
| Return on assets (ROA) | 1.0351% | 2,390 |
| Pretax return on assets | 1.6288% | 1,306 |
| Return on Equity (ROE) | 8.5612% | 2,726 |
| Retained earnings to average equity (ytd only) | 8.5612% | 956 |
| Net charge-offs to loans | -0.1505% | 5,690 |
| Credit loss provision to net charge-offs | -35.7143% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4134% | 4,630 |
| Assets per employee ($millions) | 4.3776% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 1,445 |
| Loan loss allowance to noncurrent loans | 95.2640% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.3540% | 1,389 |
| Noncurrent loans to loans | 1.6873% | 1,247 |
| Net loans and leases to total assets | 77.9873% | 1,198 |
| Net loans and leases to deposits | 89.4111% | 1,830 |
| Net loans and leases to core deposits | 105.7264% | 1,210 |
| Total domestic deposits to total assets | 87.2233% | 1,790 |
| Equity capital to assets | 12.4008% | 1,839 |
| Core capital (leverage) ratio | 12.5233% | 1,392 |
| Tier 1 risk-based capital ratio | 15.7343% | 2,735 |
| Total risk-based capital ratio | 16.9879% | 2,669 |
| Memoranda: | ||
| Average total assets | $95,448,750 | 4,469 |
| Average earning assets | $90,325,250 | 4,412 |
| Average equity | $11,540,250 | 4,371 |
| Average total loans | $74,427,250 | 3,962 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 1,469 |
| Cost of funding earning assets | 0.7355% | 680 |
| Net interest margin | 3.7819% | 2,393 |
| Noninterest income to average assets | 0.4603% | 3,457 |
| Noninterest expense to average assets | 2.4653% | 4,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9986% | 2,403 |
| Return on assets (ROA) | 1.0067% | 2,494 |
| Pretax return on assets | 1.5847% | 1,415 |
| Return on Equity (ROE) | 8.3991% | 2,793 |
| Retained earnings to average equity (ytd only) | 8.3991% | 1,044 |
| Net charge-offs to loans | -0.2819% | 5,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0619% | 4,504 |
| Assets per employee ($millions) | 4.3142% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 1,382 |
| Loan loss allowance to noncurrent loans | 137.1622% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.9546% | 2,240 |
| Noncurrent loans to loans | 1.2072% | 1,908 |
| Net loans and leases to total assets | 76.2211% | 1,461 |
| Net loans and leases to deposits | 87.2885% | 2,097 |
| Net loans and leases to core deposits | 103.4417% | 1,367 |
| Total domestic deposits to total assets | 87.3209% | 1,746 |
| Equity capital to assets | 12.3430% | 1,875 |
| Core capital (leverage) ratio | 12.0783% | 1,571 |
| Tier 1 risk-based capital ratio | 16.0280% | 2,629 |
| Total risk-based capital ratio | 17.2827% | 2,566 |
| Memoranda: | ||
| Average total assets | $95,162,330 | 4,513 |
| Average earning assets | $90,006,670 | 4,459 |
| Average equity | $11,406,000 | 4,417 |
| Average total loans | $73,791,330 | 4,002 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4504% | 1,655 |
| Cost of funding earning assets | 0.7291% | 695 |
| Net interest margin | 3.7213% | 2,588 |
| Noninterest income to average assets | 0.4324% | 3,597 |
| Noninterest expense to average assets | 2.2458% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0662% | 2,025 |
| Return on assets (ROA) | 1.0662% | 2,140 |
| Pretax return on assets | 1.7001% | 1,071 |
| Return on Equity (ROE) | 9.0299% | 2,412 |
| Retained earnings to average equity (ytd only) | 9.0299% | 1,107 |
| Net charge-offs to loans | -0.3518% | 5,957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9149% | 5,103 |
| Assets per employee ($millions) | 4.3420% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 1,553 |
| Loan loss allowance to noncurrent loans | 80.5878% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.5525% | 1,294 |
| Noncurrent loans to loans | 2.0094% | 1,067 |
| Net loans and leases to total assets | 74.9846% | 1,554 |
| Net loans and leases to deposits | 85.3956% | 2,136 |
| Net loans and leases to core deposits | 101.0282% | 1,403 |
| Total domestic deposits to total assets | 87.8084% | 1,743 |
| Equity capital to assets | 11.9351% | 2,069 |
| Core capital (leverage) ratio | 11.6551% | 1,860 |
| Tier 1 risk-based capital ratio | 15.6534% | 2,843 |
| Total risk-based capital ratio | 16.9092% | 2,769 |
| Memoranda: | ||
| Average total assets | $95,287,500 | 4,549 |
| Average earning assets | $89,969,500 | 4,501 |
| Average equity | $11,251,500 | 4,458 |
| Average total loans | $73,906,500 | 4,025 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 1,546 |
| Cost of funding earning assets | 0.6756% | 936 |
| Net interest margin | 3.8410% | 2,229 |
| Noninterest income to average assets | 0.5926% | 2,758 |
| Noninterest expense to average assets | 2.5251% | 4,146 |
| Loan and lease loss provision to assets | 0.1334% | 1,786 |
| Net operating income to assets | 1.0968% | 1,942 |
| Return on assets (ROA) | 1.0952% | 2,018 |
| Pretax return on assets | 1.5478% | 1,416 |
| Return on Equity (ROE) | 9.2556% | 2,341 |
| Retained earnings to average equity (ytd only) | 8.3159% | 821 |
| Net charge-offs to loans | 0.0254% | 3,732 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 84.1111% | 671 |
| Efficiency ratio | 60.0000% | 4,906 |
| Assets per employee ($millions) | 4.3205% | 3,357 |
| Cash dividends to net income (ytd only)* | 10.1523% | 4,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 2,085 |
| Loan loss allowance to noncurrent loans | 41.3205% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.8595% | 477 |
| Noncurrent loans to loans | 3.5944% | 374 |
| Net loans and leases to total assets | 77.7391% | 1,156 |
| Net loans and leases to deposits | 88.3325% | 1,834 |
| Net loans and leases to core deposits | 107.6909% | 987 |
| Total domestic deposits to total assets | 88.0074% | 1,626 |
| Equity capital to assets | 11.6802% | 2,208 |
| Core capital (leverage) ratio | 12.1283% | 1,545 |
| Tier 1 risk-based capital ratio | 15.1205% | 3,121 |
| Total risk-based capital ratio | 16.3730% | 3,053 |
| Memoranda: | ||
| Average total assets | $89,936,000 | 4,676 |
| Average earning assets | $84,664,600 | 4,617 |
| Average equity | $10,642,200 | 4,547 |
| Average total loans | $71,003,600 | 4,070 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 1,163 |
| Cost of funding earning assets | 0.6759% | 949 |
| Net interest margin | 3.9901% | 1,733 |
| Noninterest income to average assets | 0.4873% | 3,469 |
| Noninterest expense to average assets | 2.4649% | 4,299 |
| Loan and lease loss provision to assets | 0.1354% | 1,657 |
| Net operating income to assets | 1.0440% | 2,249 |
| Return on assets (ROA) | 1.0392% | 2,373 |
| Pretax return on assets | 1.6437% | 1,258 |
| Return on Equity (ROE) | 8.7517% | 2,703 |
| Retained earnings to average equity (ytd only) | 8.7517% | 989 |
| Net charge-offs to loans | -0.0743% | 5,680 |
| Credit loss provision to net charge-offs | -230.7692% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9767% | 5,122 |
| Assets per employee ($millions) | 4.0927% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 1,666 |
| Loan loss allowance to noncurrent loans | 106.0409% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.2206% | 1,934 |
| Noncurrent loans to loans | 1.5393% | 1,622 |
| Net loans and leases to total assets | 76.3691% | 1,337 |
| Net loans and leases to deposits | 87.1056% | 2,014 |
| Net loans and leases to core deposits | 101.9074% | 1,388 |
| Total domestic deposits to total assets | 87.6742% | 1,712 |
| Equity capital to assets | 12.1070% | 2,023 |
| Core capital (leverage) ratio | 12.0464% | 1,649 |
| Tier 1 risk-based capital ratio | 16.0614% | 2,768 |
| Total risk-based capital ratio | 17.3167% | 2,721 |
| Memoranda: | ||
| Average total assets | $88,657,500 | 4,756 |
| Average earning assets | $83,638,000 | 4,702 |
| Average equity | $10,527,250 | 4,616 |
| Average total loans | $70,003,250 | 4,134 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 1,054 |
| Cost of funding earning assets | 0.6736% | 972 |
| Net interest margin | 4.0342% | 1,540 |
| Noninterest income to average assets | 0.5170% | 3,251 |
| Noninterest expense to average assets | 2.4037% | 4,531 |
| Loan and lease loss provision to assets | 0.1361% | 1,609 |
| Net operating income to assets | 1.1139% | 1,893 |
| Return on assets (ROA) | 1.1066% | 2,016 |
| Pretax return on assets | 1.7552% | 968 |
| Return on Equity (ROE) | 9.3822% | 2,345 |
| Retained earnings to average equity (ytd only) | 9.3822% | 809 |
| Net charge-offs to loans | -0.1228% | 5,858 |
| Credit loss provision to net charge-offs | -139.5349% | 4,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8189% | 5,447 |
| Assets per employee ($millions) | 4.0830% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 1,988 |
| Loan loss allowance to noncurrent loans | 92.0727% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.3760% | 1,818 |
| Noncurrent loans to loans | 1.7113% | 1,511 |
| Net loans and leases to total assets | 77.5399% | 1,133 |
| Net loans and leases to deposits | 88.2015% | 1,811 |
| Net loans and leases to core deposits | 103.8389% | 1,200 |
| Total domestic deposits to total assets | 87.9122% | 1,695 |
| Equity capital to assets | 11.8295% | 2,147 |
| Core capital (leverage) ratio | 11.9077% | 1,709 |
| Tier 1 risk-based capital ratio | 15.8301% | 2,938 |
| Total risk-based capital ratio | 17.0849% | 2,898 |
| Memoranda: | ||
| Average total assets | $88,197,000 | 4,811 |
| Average earning assets | $82,842,000 | 4,765 |
| Average equity | $10,402,670 | 4,669 |
| Average total loans | $70,036,670 | 4,159 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,062 |
| Cost of funding earning assets | 0.6453% | 1,150 |
| Net interest margin | 4.0382% | 1,447 |
| Noninterest income to average assets | 0.4715% | 3,497 |
| Noninterest expense to average assets | 2.4215% | 4,539 |
| Loan and lease loss provision to assets | 0.1373% | 1,499 |
| Net operating income to assets | 1.0697% | 1,973 |
| Return on assets (ROA) | 1.0345% | 2,251 |
| Pretax return on assets | 1.6388% | 1,176 |
| Return on Equity (ROE) | 8.7844% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.7844% | 1,272 |
| Net charge-offs to loans | -0.1148% | 5,904 |
| Credit loss provision to net charge-offs | -150.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9429% | 5,441 |
| Assets per employee ($millions) | 3.8894% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 2,223 |
| Loan loss allowance to noncurrent loans | 85.3483% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.4912% | 1,763 |
| Noncurrent loans to loans | 1.8200% | 1,489 |
| Net loans and leases to total assets | 78.9580% | 794 |
| Net loans and leases to deposits | 90.2379% | 1,364 |
| Net loans and leases to core deposits | 103.4276% | 1,098 |
| Total domestic deposits to total assets | 87.4999% | 2,107 |
| Equity capital to assets | 12.1963% | 1,895 |
| Core capital (leverage) ratio | 11.8021% | 1,774 |
| Tier 1 risk-based capital ratio | 15.5175% | 3,133 |
| Total risk-based capital ratio | 16.7718% | 3,076 |
| Memoranda: | ||
| Average total assets | $87,382,500 | 4,874 |
| Average earning assets | $81,819,500 | 4,822 |
| Average equity | $10,291,000 | 4,723 |
| Average total loans | $69,672,000 | 4,187 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 994 |
| Cost of funding earning assets | 0.5781% | 1,972 |
| Net interest margin | 4.2814% | 1,089 |
| Noninterest income to average assets | 0.6446% | 2,588 |
| Noninterest expense to average assets | 2.7309% | 3,748 |
| Loan and lease loss provision to assets | 0.1526% | 1,722 |
| Net operating income to assets | 1.0944% | 1,995 |
| Return on assets (ROA) | 1.0692% | 2,143 |
| Pretax return on assets | 1.7049% | 975 |
| Return on Equity (ROE) | 8.7696% | 2,694 |
| Retained earnings to average equity (ytd only) | 8.7696% | 753 |
| Net charge-offs to loans | 0.0389% | 4,047 |
| Credit loss provision to net charge-offs | 500.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 62.1667% | 769 |
| Efficiency ratio | 59.0110% | 5,346 |
| Assets per employee ($millions) | 4.4599% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 2,804 |
| Loan loss allowance to noncurrent loans | 94.4860% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.2310% | 2,307 |
| Noncurrent loans to loans | 1.5131% | 1,940 |
| Net loans and leases to total assets | 78.1464% | 981 |
| Net loans and leases to deposits | 88.4256% | 1,687 |
| Net loans and leases to core deposits | 101.2507% | 1,294 |
| Total domestic deposits to total assets | 88.3753% | 1,580 |
| Equity capital to assets | 11.3747% | 2,535 |
| Core capital (leverage) ratio | 12.1642% | 1,524 |
| Tier 1 risk-based capital ratio | 13.9398% | 4,133 |
| Total risk-based capital ratio | 15.1045% | 4,137 |
| Memoranda: | ||
| Average total assets | $78,655,400 | 5,098 |
| Average earning assets | $73,176,200 | 5,063 |
| Average equity | $9,590,000 | 4,843 |
| Average total loans | $61,685,600 | 4,439 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9145% | 904 |
| Cost of funding earning assets | 0.5572% | 2,221 |
| Net interest margin | 4.3573% | 942 |
| Noninterest income to average assets | 0.6752% | 2,451 |
| Noninterest expense to average assets | 2.7203% | 3,747 |
| Loan and lease loss provision to assets | 0.1579% | 1,579 |
| Net operating income to assets | 1.2296% | 1,583 |
| Return on assets (ROA) | 1.2014% | 1,746 |
| Pretax return on assets | 1.8012% | 894 |
| Return on Equity (ROE) | 9.6636% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.6636% | 786 |
| Net charge-offs to loans | -0.0045% | 5,285 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6152% | 5,491 |
| Assets per employee ($millions) | 4.0496% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 2,571 |
| Loan loss allowance to noncurrent loans | 86.8103% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.4693% | 2,097 |
| Noncurrent loans to loans | 1.7657% | 1,841 |
| Net loans and leases to total assets | 79.8696% | 726 |
| Net loans and leases to deposits | 95.7192% | 905 |
| Net loans and leases to core deposits | 102.9293% | 1,156 |
| Total domestic deposits to total assets | 83.4416% | 3,975 |
| Equity capital to assets | 12.2901% | 1,838 |
| Core capital (leverage) ratio | 12.0534% | 1,668 |
| Tier 1 risk-based capital ratio | 13.9847% | 4,229 |
| Total risk-based capital ratio | 15.2159% | 4,181 |
| Memoranda: | ||
| Average total assets | $76,019,750 | 5,206 |
| Average earning assets | $70,592,750 | 5,164 |
| Average equity | $9,451,000 | 4,908 |
| Average total loans | $59,428,000 | 4,549 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 842 |
| Cost of funding earning assets | 0.5584% | 2,277 |
| Net interest margin | 4.3773% | 887 |
| Noninterest income to average assets | 0.7611% | 2,003 |
| Noninterest expense to average assets | 2.6438% | 4,082 |
| Loan and lease loss provision to assets | 0.1614% | 1,538 |
| Net operating income to assets | 1.3423% | 1,199 |
| Return on assets (ROA) | 1.2990% | 1,359 |
| Pretax return on assets | 1.9392% | 628 |
| Return on Equity (ROE) | 10.4057% | 1,976 |
| Retained earnings to average equity (ytd only) | 10.4057% | 632 |
| Net charge-offs to loans | -0.1186% | 6,198 |
| Credit loss provision to net charge-offs | -176.4706% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9776% | 5,831 |
| Assets per employee ($millions) | 3.9751% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 2,108 |
| Loan loss allowance to noncurrent loans | 86.4610% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.5889% | 2,061 |
| Noncurrent loans to loans | 1.9748% | 1,714 |
| Net loans and leases to total assets | 76.9073% | 1,061 |
| Net loans and leases to deposits | 90.1689% | 1,355 |
| Net loans and leases to core deposits | 96.2932% | 1,579 |
| Total domestic deposits to total assets | 85.2925% | 3,363 |
| Equity capital to assets | 12.8472% | 1,456 |
| Core capital (leverage) ratio | 12.4327% | 1,429 |
| Tier 1 risk-based capital ratio | 14.5834% | 3,877 |
| Total risk-based capital ratio | 15.7147% | 3,893 |
| Memoranda: | ||
| Average total assets | $74,362,330 | 5,285 |
| Average earning assets | $68,763,670 | 5,252 |
| Average equity | $9,283,330 | 4,966 |
| Average total loans | $57,339,000 | 4,644 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0063% | 705 |
| Cost of funding earning assets | 0.5465% | 2,453 |
| Net interest margin | 4.4598% | 714 |
| Noninterest income to average assets | 0.9650% | 1,212 |
| Noninterest expense to average assets | 2.8409% | 3,414 |
| Loan and lease loss provision to assets | 0.1626% | 1,496 |
| Net operating income to assets | 1.4691% | 863 |
| Return on assets (ROA) | 1.3228% | 1,204 |
| Pretax return on assets | 1.8704% | 693 |
| Return on Equity (ROE) | 10.7566% | 1,777 |
| Retained earnings to average equity (ytd only) | 10.7566% | 792 |
| Net charge-offs to loans | -0.0071% | 4,920 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9232% | 5,844 |
| Assets per employee ($millions) | 3.8887% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6573% | 2,482 |
| Loan loss allowance to noncurrent loans | 75.6800% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.7378% | 2,031 |
| Noncurrent loans to loans | 2.1898% | 1,660 |
| Net loans and leases to total assets | 75.9775% | 1,005 |
| Net loans and leases to deposits | 87.5238% | 1,415 |
| Net loans and leases to core deposits | 91.9629% | 1,735 |
| Total domestic deposits to total assets | 86.8079% | 2,934 |
| Equity capital to assets | 12.6156% | 1,514 |
| Core capital (leverage) ratio | 12.2752% | 1,493 |
| Tier 1 risk-based capital ratio | 14.6135% | 3,938 |
| Total risk-based capital ratio | 15.7528% | 3,961 |
| Memoranda: | ||
| Average total assets | $73,780,500 | 5,346 |
| Average earning assets | $68,074,500 | 5,316 |
| Average equity | $9,073,500 | 5,029 |
| Average total loans | $56,461,500 | 4,710 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 1,108 |
| Cost of funding earning assets | 0.6298% | 2,391 |
| Net interest margin | 4.2658% | 1,180 |
| Noninterest income to average assets | 0.7150% | 2,459 |
| Noninterest expense to average assets | 4.5288% | 517 |
| Loan and lease loss provision to assets | 0.0549% | 4,044 |
| Net operating income to assets | 0.1153% | 6,008 |
| Return on assets (ROA) | 0.1016% | 6,093 |
| Pretax return on assets | 0.0494% | 6,154 |
| Return on Equity (ROE) | 0.7973% | 6,115 |
| Retained earnings to average equity (ytd only) | 0.7973% | 5,480 |
| Net charge-offs to loans | -0.0635% | 6,383 |
| Credit loss provision to net charge-offs | -117.6471% | 5,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9657% | 5,951 |
| Assets per employee ($millions) | 4.0931% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 2,608 |
| Loan loss allowance to noncurrent loans | 80.2102% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.6193% | 2,293 |
| Noncurrent loans to loans | 2.0451% | 1,941 |
| Net loans and leases to total assets | 74.5494% | 1,275 |
| Net loans and leases to deposits | 85.8324% | 1,708 |
| Net loans and leases to core deposits | 92.8634% | 1,689 |
| Total domestic deposits to total assets | 86.8546% | 2,799 |
| Equity capital to assets | 11.9795% | 1,821 |
| Core capital (leverage) ratio | 12.2752% | 1,459 |
| Tier 1 risk-based capital ratio | 14.5200% | 3,942 |
| Total risk-based capital ratio | 15.6933% | 3,932 |
| Memoranda: | ||
| Average total assets | $72,867,400 | 5,398 |
| Average earning assets | $67,162,000 | 5,370 |
| Average equity | $9,281,200 | 5,022 |
| Average total loans | $53,543,000 | 4,831 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8532% | 1,231 |
| Cost of funding earning assets | 0.6586% | 2,288 |
| Net interest margin | 4.1946% | 1,354 |
| Noninterest income to average assets | 0.7138% | 2,538 |
| Noninterest expense to average assets | 2.7284% | 3,908 |
| Loan and lease loss provision to assets | 0.0183% | 4,652 |
| Net operating income to assets | 1.1787% | 1,701 |
| Return on assets (ROA) | 1.1963% | 1,722 |
| Pretax return on assets | 1.8624% | 775 |
| Return on Equity (ROE) | 9.2529% | 2,514 |
| Retained earnings to average equity (ytd only) | 9.2529% | 983 |
| Net charge-offs to loans | -0.0856% | 6,460 |
| Credit loss provision to net charge-offs | -29.4118% | 5,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5515% | 5,489 |
| Assets per employee ($millions) | 4.4007% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 3,048 |
| Loan loss allowance to noncurrent loans | 71.1075% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.7364% | 2,362 |
| Noncurrent loans to loans | 2.2360% | 1,972 |
| Net loans and leases to total assets | 73.3024% | 1,396 |
| Net loans and leases to deposits | 86.4164% | 1,570 |
| Net loans and leases to core deposits | 92.3698% | 1,739 |
| Total domestic deposits to total assets | 84.8246% | 3,832 |
| Equity capital to assets | 12.7105% | 1,470 |
| Core capital (leverage) ratio | 12.0790% | 1,626 |
| Tier 1 risk-based capital ratio | 14.3028% | 4,212 |
| Total risk-based capital ratio | 15.4606% | 4,226 |
| Memoranda: | ||
| Average total assets | $72,665,250 | 5,455 |
| Average earning assets | $67,005,250 | 5,431 |
| Average equity | $9,395,000 | 5,055 |
| Average total loans | $52,968,500 | 4,886 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8806% | 1,143 |
| Cost of funding earning assets | 0.6830% | 2,199 |
| Net interest margin | 4.1976% | 1,279 |
| Noninterest income to average assets | 0.7005% | 2,636 |
| Noninterest expense to average assets | 2.7019% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2103% | 1,571 |
| Return on assets (ROA) | 1.2370% | 1,592 |
| Pretax return on assets | 1.9180% | 722 |
| Return on Equity (ROE) | 9.5116% | 2,414 |
| Retained earnings to average equity (ytd only) | 9.5116% | 963 |
| Net charge-offs to loans | -0.1691% | 6,621 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0164% | 5,600 |
| Assets per employee ($millions) | 3.9349% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 2,833 |
| Loan loss allowance to noncurrent loans | 65.6296% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.9865% | 2,163 |
| Noncurrent loans to loans | 2.5673% | 1,793 |
| Net loans and leases to total assets | 72.9923% | 1,403 |
| Net loans and leases to deposits | 85.6412% | 1,603 |
| Net loans and leases to core deposits | 93.2724% | 1,594 |
| Total domestic deposits to total assets | 85.2304% | 3,778 |
| Equity capital to assets | 13.0993% | 1,308 |
| Core capital (leverage) ratio | 11.9413% | 1,645 |
| Tier 1 risk-based capital ratio | 15.0799% | 3,725 |
| Total risk-based capital ratio | 16.2456% | 3,745 |
| Memoranda: | ||
| Average total assets | $71,949,670 | 5,511 |
| Average earning assets | $66,467,000 | 5,481 |
| Average equity | $9,357,000 | 5,095 |
| Average total loans | $52,049,670 | 4,951 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8341% | 1,222 |
| Cost of funding earning assets | 0.6863% | 2,334 |
| Net interest margin | 4.1478% | 1,333 |
| Noninterest income to average assets | 0.6896% | 2,653 |
| Noninterest expense to average assets | 2.7968% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0923% | 1,886 |
| Return on assets (ROA) | 1.0923% | 1,992 |
| Pretax return on assets | 1.7266% | 1,013 |
| Return on Equity (ROE) | 8.4287% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.4287% | 1,591 |
| Net charge-offs to loans | -0.0232% | 5,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8293% | 5,327 |
| Assets per employee ($millions) | 3.9771% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 3,172 |
| Loan loss allowance to noncurrent loans | 53.3797% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 2.2937% | 2,027 |
| Noncurrent loans to loans | 3.1050% | 1,600 |
| Net loans and leases to total assets | 70.0355% | 1,654 |
| Net loans and leases to deposits | 82.5967% | 1,758 |
| Net loans and leases to core deposits | 89.1118% | 1,793 |
| Total domestic deposits to total assets | 84.7921% | 4,142 |
| Equity capital to assets | 13.2173% | 1,332 |
| Core capital (leverage) ratio | 11.0845% | 2,192 |
| Tier 1 risk-based capital ratio | 14.5245% | 4,155 |
| Total risk-based capital ratio | 15.6694% | 4,199 |
| Memoranda: | ||
| Average total assets | $72,510,500 | 5,546 |
| Average earning assets | $67,024,000 | 5,518 |
| Average equity | $9,396,500 | 5,135 |
| Average total loans | $51,782,000 | 4,994 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8233% | 353 |
| Cost of funding earning assets | 0.8059% | 2,622 |
| Net interest margin | 5.0174% | 383 |
| Noninterest income to average assets | 0.5901% | 3,333 |
| Noninterest expense to average assets | 2.7371% | 4,262 |
| Loan and lease loss provision to assets | 0.6543% | 813 |
| Net operating income to assets | 1.1325% | 1,832 |
| Return on assets (ROA) | 1.1593% | 1,895 |
| Pretax return on assets | 1.8875% | 771 |
| Return on Equity (ROE) | 9.3507% | 2,462 |
| Retained earnings to average equity (ytd only) | 9.3507% | 735 |
| Net charge-offs to loans | 0.7683% | 1,526 |
| Credit loss provision to net charge-offs | 118.1360% | 2,435 |
| Earnings coverage of net charge-offs (x) | 4.5139% | 3,344 |
| Efficiency ratio | 52.2643% | 6,444 |
| Assets per employee ($millions) | 4.3196% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 3,309 |
| Loan loss allowance to noncurrent loans | 52.4611% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 2.4962% | 1,957 |
| Noncurrent loans to loans | 3.0524% | 1,701 |
| Net loans and leases to total assets | 70.4588% | 1,747 |
| Net loans and leases to deposits | 82.3112% | 1,958 |
| Net loans and leases to core deposits | 88.5610% | 2,026 |
| Total domestic deposits to total assets | 85.6005% | 3,557 |
| Equity capital to assets | 12.7068% | 1,586 |
| Core capital (leverage) ratio | 11.0753% | 2,191 |
| Tier 1 risk-based capital ratio | 14.0863% | 4,317 |
| Total risk-based capital ratio | 15.2103% | 4,376 |
| Memoranda: | ||
| Average total assets | $71,681,800 | 5,587 |
| Average earning assets | $66,388,400 | 5,537 |
| Average equity | $8,887,000 | 5,253 |
| Average total loans | $51,674,200 | 5,031 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7071% | 457 |
| Cost of funding earning assets | 0.8303% | 2,704 |
| Net interest margin | 4.8768% | 495 |
| Noninterest income to average assets | 0.5895% | 3,347 |
| Noninterest expense to average assets | 2.7810% | 4,052 |
| Loan and lease loss provision to assets | 0.7785% | 623 |
| Net operating income to assets | 0.9703% | 2,659 |
| Return on assets (ROA) | 0.9919% | 2,778 |
| Pretax return on assets | 1.5814% | 1,638 |
| Return on Equity (ROE) | 8.0521% | 3,264 |
| Retained earnings to average equity (ytd only) | 8.0521% | 1,599 |
| Net charge-offs to loans | 0.8526% | 1,290 |
| Credit loss provision to net charge-offs | 126.4438% | 2,269 |
| Earnings coverage of net charge-offs (x) | 3.7781% | 3,516 |
| Efficiency ratio | 54.4522% | 6,206 |
| Assets per employee ($millions) | 4.4433% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 3,435 |
| Loan loss allowance to noncurrent loans | 47.9575% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 2.6431% | 1,997 |
| Noncurrent loans to loans | 3.3868% | 1,617 |
| Net loans and leases to total assets | 73.0138% | 1,388 |
| Net loans and leases to deposits | 85.8989% | 1,612 |
| Net loans and leases to core deposits | 93.1184% | 1,675 |
| Total domestic deposits to total assets | 84.9997% | 3,741 |
| Equity capital to assets | 12.7905% | 1,714 |
| Core capital (leverage) ratio | 10.6711% | 2,731 |
| Tier 1 risk-based capital ratio | 13.0018% | 5,249 |
| Total risk-based capital ratio | 14.1064% | 5,331 |
| Memoranda: | ||
| Average total assets | $71,244,000 | 5,660 |
| Average earning assets | $65,997,500 | 5,618 |
| Average equity | $8,776,000 | 5,331 |
| Average total loans | $51,447,250 | 5,104 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6208% | 556 |
| Cost of funding earning assets | 0.8631% | 2,705 |
| Net interest margin | 4.7577% | 602 |
| Noninterest income to average assets | 0.8163% | 2,111 |
| Noninterest expense to average assets | 2.6874% | 4,474 |
| Loan and lease loss provision to assets | 1.1670% | 362 |
| Net operating income to assets | 0.8794% | 3,002 |
| Return on assets (ROA) | 0.9117% | 3,115 |
| Pretax return on assets | 1.4195% | 2,132 |
| Return on Equity (ROE) | 7.4968% | 3,520 |
| Retained earnings to average equity (ytd only) | 7.4968% | 1,875 |
| Net charge-offs to loans | 0.1294% | 3,894 |
| Credit loss provision to net charge-offs | 1,260.6061% | 254 |
| Earnings coverage of net charge-offs (x) | 27.3939% | 1,133 |
| Efficiency ratio | 51.4501% | 6,545 |
| Assets per employee ($millions) | 4.1944% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2358% | 1,696 |
| Loan loss allowance to noncurrent loans | 49.7412% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 3.7964% | 1,365 |
| Noncurrent loans to loans | 4.4949% | 1,179 |
| Net loans and leases to total assets | 70.7061% | 1,788 |
| Net loans and leases to deposits | 83.2472% | 1,951 |
| Net loans and leases to core deposits | 90.9857% | 1,875 |
| Total domestic deposits to total assets | 84.9351% | 3,889 |
| Equity capital to assets | 12.3989% | 1,879 |
| Core capital (leverage) ratio | 10.0963% | 3,283 |
| Tier 1 risk-based capital ratio | 12.4612% | 5,596 |
| Total risk-based capital ratio | 13.5688% | 5,685 |
| Memoranda: | ||
| Average total assets | $71,294,670 | 5,690 |
| Average earning assets | $66,040,000 | 5,647 |
| Average equity | $8,670,330 | 5,366 |
| Average total loans | $51,008,330 | 5,151 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4183% | 885 |
| Cost of funding earning assets | 0.8684% | 2,932 |
| Net interest margin | 4.5499% | 919 |
| Noninterest income to average assets | 1.1951% | 1,003 |
| Noninterest expense to average assets | 2.7774% | 4,127 |
| Loan and lease loss provision to assets | 0.6228% | 902 |
| Net operating income to assets | 1.2232% | 1,675 |
| Return on assets (ROA) | 1.2232% | 1,857 |
| Pretax return on assets | 1.9694% | 779 |
| Return on Equity (ROE) | 10.1573% | 2,343 |
| Retained earnings to average equity (ytd only) | 10.1573% | 1,224 |
| Net charge-offs to loans | -0.2129% | 7,004 |
| Credit loss provision to net charge-offs | -411.1111% | 5,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7241% | 6,565 |
| Assets per employee ($millions) | 4.2705% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7883% | 3,036 |
| Loan loss allowance to noncurrent loans | 44.5972% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 3.3224% | 1,738 |
| Noncurrent loans to loans | 4.0098% | 1,523 |
| Net loans and leases to total assets | 68.6883% | 1,992 |
| Net loans and leases to deposits | 80.3697% | 2,156 |
| Net loans and leases to core deposits | 87.6413% | 2,095 |
| Total domestic deposits to total assets | 85.4654% | 3,811 |
| Equity capital to assets | 11.9547% | 2,078 |
| Core capital (leverage) ratio | 9.8109% | 3,628 |
| Tier 1 risk-based capital ratio | 12.4696% | 5,629 |
| Total risk-based capital ratio | 13.5673% | 5,705 |
| Memoranda: | ||
| Average total assets | $71,289,500 | 5,734 |
| Average earning assets | $65,408,000 | 5,706 |
| Average equity | $8,585,000 | 5,412 |
| Average total loans | $50,727,500 | 5,196 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5824% | 990 |
| Cost of funding earning assets | 1.1049% | 2,636 |
| Net interest margin | 4.4775% | 1,189 |
| Noninterest income to average assets | 0.6088% | 3,114 |
| Noninterest expense to average assets | 3.2844% | 2,575 |
| Loan and lease loss provision to assets | 0.2420% | 3,786 |
| Net operating income to assets | 0.7372% | 3,309 |
| Return on assets (ROA) | 0.7335% | 3,501 |
| Pretax return on assets | 1.1721% | 2,568 |
| Return on Equity (ROE) | 6.1113% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.1113% | 1,953 |
| Net charge-offs to loans | 0.7719% | 2,222 |
| Credit loss provision to net charge-offs | 44.0000% | 5,554 |
| Earnings coverage of net charge-offs (x) | 2.5813% | 3,925 |
| Efficiency ratio | 69.8160% | 4,001 |
| Assets per employee ($millions) | 4.1165% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 3,937 |
| Loan loss allowance to noncurrent loans | 42.3310% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 3.4124% | 1,738 |
| Noncurrent loans to loans | 3.5892% | 1,781 |
| Net loans and leases to total assets | 71.3204% | 1,767 |
| Net loans and leases to deposits | 83.8232% | 1,948 |
| Net loans and leases to core deposits | 91.7564% | 1,912 |
| Total domestic deposits to total assets | 85.0843% | 3,798 |
| Equity capital to assets | 12.1335% | 2,024 |
| Core capital (leverage) ratio | 10.2698% | 3,005 |
| Tier 1 risk-based capital ratio | 12.2901% | 5,618 |
| Total risk-based capital ratio | 13.3980% | 5,703 |
| Memoranda: | ||
| Average total assets | $68,170,800 | 5,805 |
| Average earning assets | $62,356,800 | 5,792 |
| Average equity | $8,181,600 | 5,518 |
| Average total loans | $48,579,800 | 5,317 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5219% | 1,201 |
| Cost of funding earning assets | 1.1422% | 2,683 |
| Net interest margin | 4.3796% | 1,459 |
| Noninterest income to average assets | 0.6871% | 2,686 |
| Noninterest expense to average assets | 3.3845% | 2,237 |
| Loan and lease loss provision to assets | 0.2225% | 3,793 |
| Net operating income to assets | 0.6818% | 3,704 |
| Return on assets (ROA) | 0.6793% | 3,896 |
| Pretax return on assets | 1.0849% | 3,074 |
| Return on Equity (ROE) | 5.6759% | 4,193 |
| Retained earnings to average equity (ytd only) | 5.6759% | 2,757 |
| Net charge-offs to loans | 0.9961% | 1,618 |
| Credit loss provision to net charge-offs | 31.4763% | 5,390 |
| Earnings coverage of net charge-offs (x) | 1.8552% | 4,276 |
| Efficiency ratio | 72.0755% | 3,539 |
| Assets per employee ($millions) | 3.5331% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 4,161 |
| Loan loss allowance to noncurrent loans | 38.1299% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 3.4725% | 1,817 |
| Noncurrent loans to loans | 3.9029% | 1,710 |
| Net loans and leases to total assets | 72.3811% | 1,632 |
| Net loans and leases to deposits | 86.1856% | 1,668 |
| Net loans and leases to core deposits | 94.8447% | 1,715 |
| Total domestic deposits to total assets | 83.9828% | 4,237 |
| Equity capital to assets | 12.5492% | 1,891 |
| Core capital (leverage) ratio | 9.7471% | 3,779 |
| Tier 1 risk-based capital ratio | 10.7626% | 6,684 |
| Total risk-based capital ratio | 11.8309% | 6,728 |
| Memoranda: | ||
| Average total assets | $67,718,500 | 5,851 |
| Average earning assets | $61,982,250 | 5,844 |
| Average equity | $8,104,250 | 5,565 |
| Average total loans | $48,054,750 | 5,381 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6519% | 960 |
| Cost of funding earning assets | 1.1943% | 2,618 |
| Net interest margin | 4.4576% | 1,232 |
| Noninterest income to average assets | 0.6331% | 2,930 |
| Noninterest expense to average assets | 3.4366% | 2,165 |
| Loan and lease loss provision to assets | 0.0913% | 5,176 |
| Net operating income to assets | 0.7341% | 3,368 |
| Return on assets (ROA) | 0.7303% | 3,501 |
| Pretax return on assets | 1.1662% | 2,616 |
| Return on Equity (ROE) | 6.2018% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.2018% | 2,297 |
| Net charge-offs to loans | 0.0798% | 4,844 |
| Credit loss provision to net charge-offs | 163.1579% | 1,853 |
| Earnings coverage of net charge-offs (x) | 22.5789% | 1,116 |
| Efficiency ratio | 73.1203% | 3,521 |
| Assets per employee ($millions) | 3.5751% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0781% | 2,167 |
| Loan loss allowance to noncurrent loans | 66.2659% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 2.7780% | 2,411 |
| Noncurrent loans to loans | 3.1361% | 2,294 |
| Net loans and leases to total assets | 68.8136% | 2,454 |
| Net loans and leases to deposits | 81.2159% | 2,574 |
| Net loans and leases to core deposits | 90.1174% | 2,363 |
| Total domestic deposits to total assets | 84.7292% | 4,003 |
| Equity capital to assets | 12.0497% | 2,056 |
| Core capital (leverage) ratio | 9.4285% | 4,064 |
| Tier 1 risk-based capital ratio | 10.7202% | 6,701 |
| Total risk-based capital ratio | 11.7545% | 6,781 |
| Memoranda: | ||
| Average total assets | $67,915,330 | 5,889 |
| Average earning assets | $61,961,670 | 5,892 |
| Average equity | $7,997,670 | 5,609 |
| Average total loans | $47,632,330 | 5,453 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8226% | 708 |
| Cost of funding earning assets | 1.2211% | 2,677 |
| Net interest margin | 4.6015% | 858 |
| Noninterest income to average assets | 0.7186% | 2,462 |
| Noninterest expense to average assets | 3.4104% | 2,255 |
| Loan and lease loss provision to assets | 0.1826% | 3,790 |
| Net operating income to assets | 0.8423% | 2,809 |
| Return on assets (ROA) | 0.8423% | 2,867 |
| Pretax return on assets | 1.3430% | 1,902 |
| Return on Equity (ROE) | 7.2368% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.2368% | 2,051 |
| Net charge-offs to loans | -1.2190% | 7,497 |
| Credit loss provision to net charge-offs | -21.3793% | 5,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0931% | 4,453 |
| Assets per employee ($millions) | 3.5413% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4491% | 1,534 |
| Loan loss allowance to noncurrent loans | 59.6591% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 3.1850% | 2,169 |
| Noncurrent loans to loans | 4.1051% | 1,752 |
| Net loans and leases to total assets | 68.3758% | 2,479 |
| Net loans and leases to deposits | 80.2799% | 2,668 |
| Net loans and leases to core deposits | 89.1209% | 2,471 |
| Total domestic deposits to total assets | 85.1718% | 3,960 |
| Equity capital to assets | 11.8527% | 2,011 |
| Core capital (leverage) ratio | 9.0115% | 4,597 |
| Tier 1 risk-based capital ratio | 10.8785% | 6,588 |
| Total risk-based capital ratio | 11.9154% | 6,698 |
| Memoranda: | ||
| Average total assets | $67,909,500 | 5,933 |
| Average earning assets | $62,240,500 | 5,929 |
| Average equity | $7,904,000 | 5,641 |
| Average total loans | $47,581,000 | 5,494 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8186% | 1,230 |
| Cost of funding earning assets | 1.5571% | 2,321 |
| Net interest margin | 4.2615% | 1,951 |
| Noninterest income to average assets | 0.1956% | 6,376 |
| Noninterest expense to average assets | 3.2156% | 3,031 |
| Loan and lease loss provision to assets | 1.3914% | 1,080 |
| Net operating income to assets | 0.0184% | 5,779 |
| Return on assets (ROA) | 0.0264% | 5,895 |
| Pretax return on assets | -0.5341% | 6,347 |
| Return on Equity (ROE) | 0.2417% | 5,893 |
| Retained earnings to average equity (ytd only) | 0.2417% | 5,453 |
| Net charge-offs to loans | 1.8942% | 1,087 |
| Credit loss provision to net charge-offs | 108.1985% | 4,087 |
| Earnings coverage of net charge-offs (x) | 0.6570% | 5,454 |
| Efficiency ratio | 76.2897% | 3,008 |
| Assets per employee ($millions) | 3.6071% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0416% | 2,201 |
| Loan loss allowance to noncurrent loans | 50.9091% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 3.4800% | 1,998 |
| Noncurrent loans to loans | 4.0103% | 1,806 |
| Net loans and leases to total assets | 68.6087% | 2,835 |
| Net loans and leases to deposits | 80.1599% | 3,147 |
| Net loans and leases to core deposits | 88.7624% | 2,933 |
| Total domestic deposits to total assets | 85.5898% | 3,559 |
| Equity capital to assets | 11.4292% | 2,323 |
| Core capital (leverage) ratio | 8.7197% | 4,982 |
| Tier 1 risk-based capital ratio | 9.9216% | 7,016 |
| Total risk-based capital ratio | 10.9346% | 7,086 |
| Memoranda: | ||
| Average total assets | $72,086,800 | 5,810 |
| Average earning assets | $65,376,200 | 5,818 |
| Average equity | $7,862,200 | 5,762 |
| Average total loans | $48,937,800 | 5,527 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7634% | 1,501 |
| Cost of funding earning assets | 1.6329% | 2,197 |
| Net interest margin | 4.1306% | 2,488 |
| Noninterest income to average assets | 0.1096% | 6,999 |
| Noninterest expense to average assets | 3.2266% | 2,831 |
| Loan and lease loss provision to assets | 1.7028% | 749 |
| Net operating income to assets | -1.0761% | 6,936 |
| Return on assets (ROA) | -1.0506% | 6,966 |
| Pretax return on assets | -1.0506% | 6,886 |
| Return on Equity (ROE) | -9.7420% | 6,918 |
| Retained earnings to average equity (ytd only) | -9.7420% | 6,866 |
| Net charge-offs to loans | 2.2424% | 797 |
| Credit loss provision to net charge-offs | 112.6965% | 3,736 |
| Earnings coverage of net charge-offs (x) | 0.4148% | 5,605 |
| Efficiency ratio | 80.7018% | 2,254 |
| Assets per employee ($millions) | 3.6299% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1351% | 1,916 |
| Loan loss allowance to noncurrent loans | 34.5193% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 4.6833% | 1,414 |
| Noncurrent loans to loans | 6.1852% | 992 |
| Net loans and leases to total assets | 67.0586% | 3,444 |
| Net loans and leases to deposits | 78.7740% | 3,676 |
| Net loans and leases to core deposits | 87.2195% | 3,486 |
| Total domestic deposits to total assets | 85.1279% | 3,556 |
| Equity capital to assets | 10.8543% | 3,110 |
| Core capital (leverage) ratio | 7.4117% | 6,923 |
| Tier 1 risk-based capital ratio | 8.8530% | 7,386 |
| Total risk-based capital ratio | 9.8721% | 7,431 |
| Memoranda: | ||
| Average total assets | $72,974,750 | 5,855 |
| Average earning assets | $66,139,250 | 5,859 |
| Average equity | $7,869,500 | 5,835 |
| Average total loans | $49,172,000 | 5,598 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8009% | 1,427 |
| Cost of funding earning assets | 1.6706% | 2,281 |
| Net interest margin | 4.1302% | 2,430 |
| Noninterest income to average assets | 0.0646% | 7,260 |
| Noninterest expense to average assets | 3.0924% | 3,354 |
| Loan and lease loss provision to assets | 0.8505% | 1,713 |
| Net operating income to assets | -0.1588% | 6,301 |
| Return on assets (ROA) | -0.1211% | 6,327 |
| Pretax return on assets | -0.1211% | 6,266 |
| Return on Equity (ROE) | -1.1254% | 6,335 |
| Retained earnings to average equity (ytd only) | -1.1254% | 5,998 |
| Net charge-offs to loans | 1.2327% | 1,550 |
| Credit loss provision to net charge-offs | 102.9316% | 3,959 |
| Earnings coverage of net charge-offs (x) | 0.8371% | 4,931 |
| Efficiency ratio | 81.7212% | 2,208 |
| Assets per employee ($millions) | 3.4509% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8447% | 2,586 |
| Loan loss allowance to noncurrent loans | 28.9841% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 4.8931% | 1,324 |
| Noncurrent loans to loans | 6.3644% | 960 |
| Net loans and leases to total assets | 67.0369% | 3,614 |
| Net loans and leases to deposits | 79.3652% | 3,721 |
| Net loans and leases to core deposits | 87.4908% | 3,622 |
| Total domestic deposits to total assets | 84.4665% | 3,887 |
| Equity capital to assets | 11.0613% | 2,797 |
| Core capital (leverage) ratio | 8.0120% | 6,258 |
| Tier 1 risk-based capital ratio | 9.4034% | 7,303 |
| Total risk-based capital ratio | 10.4451% | 7,370 |
| Memoranda: | ||
| Average total assets | $74,310,330 | 5,858 |
| Average earning assets | $66,921,000 | 5,866 |
| Average equity | $7,997,330 | 5,804 |
| Average total loans | $49,810,000 | 5,614 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8226% | 1,393 |
| Cost of funding earning assets | 1.7180% | 2,300 |
| Net interest margin | 4.1045% | 2,415 |
| Noninterest income to average assets | -0.3616% | 7,838 |
| Noninterest expense to average assets | 2.6478% | 5,152 |
| Loan and lease loss provision to assets | 0.5476% | 2,312 |
| Net operating income to assets | 0.2605% | 5,448 |
| Return on assets (ROA) | 0.1914% | 5,837 |
| Pretax return on assets | 0.0957% | 6,151 |
| Return on Equity (ROE) | 1.8027% | 5,835 |
| Retained earnings to average equity (ytd only) | 1.8027% | 5,034 |
| Net charge-offs to loans | 0.9126% | 1,757 |
| Credit loss provision to net charge-offs | 90.3509% | 3,652 |
| Earnings coverage of net charge-offs (x) | 1.1754% | 4,063 |
| Efficiency ratio | 78.7975% | 2,760 |
| Assets per employee ($millions) | 3.8814% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7792% | 2,792 |
| Loan loss allowance to noncurrent loans | 79.3778% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 2.4028% | 3,031 |
| Noncurrent loans to loans | 2.2415% | 3,469 |
| Net loans and leases to total assets | 66.8461% | 3,667 |
| Net loans and leases to deposits | 78.8311% | 3,875 |
| Net loans and leases to core deposits | 89.8629% | 3,380 |
| Total domestic deposits to total assets | 84.7967% | 3,761 |
| Equity capital to assets | 10.8682% | 2,878 |
| Core capital (leverage) ratio | 8.1913% | 5,918 |
| Tier 1 risk-based capital ratio | 11.4664% | 5,707 |
| Total risk-based capital ratio | 12.7265% | 5,683 |
| Memoranda: | ||
| Average total assets | $75,231,000 | 5,897 |
| Average earning assets | $68,217,500 | 5,897 |
| Average equity | $7,988,000 | 5,849 |
| Average total loans | $49,968,000 | 5,667 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7155% | 449 |
| Cost of funding earning assets | 2.2087% | 1,988 |
| Net interest margin | 4.5069% | 1,166 |
| Noninterest income to average assets | 0.3640% | 5,488 |
| Noninterest expense to average assets | 3.3001% | 3,007 |
| Loan and lease loss provision to assets | 2.0743% | 1,024 |
| Net operating income to assets | -0.8776% | 6,493 |
| Return on assets (ROA) | -0.8697% | 6,489 |
| Pretax return on assets | -0.8697% | 6,321 |
| Return on Equity (ROE) | -7.9027% | 6,460 |
| Retained earnings to average equity (ytd only) | -7.9027% | 6,339 |
| Net charge-offs to loans | 2.8175% | 786 |
| Credit loss provision to net charge-offs | 102.2179% | 5,411 |
| Earnings coverage of net charge-offs (x) | 0.5897% | 5,513 |
| Efficiency ratio | 70.8566% | 4,464 |
| Assets per employee ($millions) | 3.8358% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 2,494 |
| Loan loss allowance to noncurrent loans | 42.4413% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 4.4776% | 1,442 |
| Noncurrent loans to loans | 4.2818% | 1,693 |
| Net loans and leases to total assets | 63.6668% | 4,664 |
| Net loans and leases to deposits | 74.5509% | 4,945 |
| Net loans and leases to core deposits | 81.5270% | 5,953 |
| Total domestic deposits to total assets | 85.4005% | 3,360 |
| Equity capital to assets | 10.3774% | 3,317 |
| Core capital (leverage) ratio | 7.9953% | 6,202 |
| Tier 1 risk-based capital ratio | 11.3564% | 5,560 |
| Total risk-based capital ratio | 12.6120% | 5,501 |
| Memoranda: | ||
| Average total assets | $75,544,000 | 5,852 |
| Average earning assets | $69,272,200 | 5,831 |
| Average equity | $8,313,600 | 5,833 |
| Average total loans | $54,410,200 | 5,486 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0665% | 272 |
| Cost of funding earning assets | 2.2998% | 1,988 |
| Net interest margin | 4.7668% | 728 |
| Noninterest income to average assets | 0.2711% | 6,291 |
| Noninterest expense to average assets | 3.0829% | 3,707 |
| Loan and lease loss provision to assets | 2.4734% | 672 |
| Net operating income to assets | -0.8930% | 6,758 |
| Return on assets (ROA) | -0.8806% | 6,748 |
| Pretax return on assets | -0.8806% | 6,592 |
| Return on Equity (ROE) | -7.8870% | 6,719 |
| Retained earnings to average equity (ytd only) | -7.8870% | 6,589 |
| Net charge-offs to loans | 3.3491% | 462 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 0.6390% | 5,388 |
| Efficiency ratio | 63.6778% | 5,815 |
| Assets per employee ($millions) | 4.2615% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6614% | 2,763 |
| Loan loss allowance to noncurrent loans | 24.4313% | 6,816 |
| Noncurrent assets plus other real estate owned to assets | 5.8313% | 943 |
| Noncurrent loans to loans | 6.8003% | 818 |
| Net loans and leases to total assets | 67.1321% | 4,155 |
| Net loans and leases to deposits | 78.8048% | 4,597 |
| Net loans and leases to core deposits | 86.6044% | 5,810 |
| Total domestic deposits to total assets | 85.1878% | 3,131 |
| Equity capital to assets | 10.6418% | 3,356 |
| Core capital (leverage) ratio | 8.0200% | 6,326 |
| Tier 1 risk-based capital ratio | 10.9570% | 5,993 |
| Total risk-based capital ratio | 12.1841% | 5,971 |
| Memoranda: | ||
| Average total assets | $75,251,250 | 5,900 |
| Average earning assets | $69,339,250 | 5,866 |
| Average equity | $8,401,750 | 5,853 |
| Average total loans | $55,576,250 | 5,478 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3047% | 204 |
| Cost of funding earning assets | 2.3517% | 2,154 |
| Net interest margin | 4.9530% | 481 |
| Noninterest income to average assets | 0.4280% | 5,053 |
| Noninterest expense to average assets | 3.3518% | 2,781 |
| Loan and lease loss provision to assets | 2.8489% | 531 |
| Net operating income to assets | -1.5756% | 7,281 |
| Return on assets (ROA) | -1.5569% | 7,278 |
| Pretax return on assets | -1.1904% | 6,934 |
| Return on Equity (ROE) | -13.7243% | 7,263 |
| Retained earnings to average equity (ytd only) | -13.7243% | 7,163 |
| Net charge-offs to loans | 1.0345% | 1,726 |
| Credit loss provision to net charge-offs | 363.4812% | 1,277 |
| Earnings coverage of net charge-offs (x) | 2.0922% | 4,031 |
| Efficiency ratio | 67.1490% | 5,330 |
| Assets per employee ($millions) | 3.5930% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9677% | 583 |
| Loan loss allowance to noncurrent loans | 80.0195% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 4.0078% | 1,481 |
| Noncurrent loans to loans | 3.7087% | 1,874 |
| Net loans and leases to total assets | 74.7116% | 2,516 |
| Net loans and leases to deposits | 87.3030% | 3,301 |
| Net loans and leases to core deposits | 97.8886% | 4,711 |
| Total domestic deposits to total assets | 85.5773% | 2,977 |
| Equity capital to assets | 11.2067% | 2,750 |
| Core capital (leverage) ratio | 8.1720% | 6,025 |
| Tier 1 risk-based capital ratio | 10.6127% | 6,270 |
| Total risk-based capital ratio | 11.8761% | 6,192 |
| Memoranda: | ||
| Average total assets | $74,766,000 | 5,957 |
| Average earning assets | $68,887,330 | 5,925 |
| Average equity | $8,481,330 | 5,849 |
| Average total loans | $56,646,670 | 5,484 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5677% | 155 |
| Cost of funding earning assets | 2.4237% | 2,195 |
| Net interest margin | 5.1440% | 308 |
| Noninterest income to average assets | 0.3936% | 5,262 |
| Noninterest expense to average assets | 2.1937% | 6,887 |
| Loan and lease loss provision to assets | 1.6111% | 775 |
| Net operating income to assets | 0.8784% | 2,803 |
| Return on assets (ROA) | 0.9027% | 2,847 |
| Pretax return on assets | 1.3592% | 2,089 |
| Return on Equity (ROE) | 7.9121% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.9121% | 1,847 |
| Net charge-offs to loans | 2.2406% | 648 |
| Credit loss provision to net charge-offs | 95.6386% | 3,881 |
| Earnings coverage of net charge-offs (x) | 1.7414% | 3,862 |
| Efficiency ratio | 42.7840% | 7,974 |
| Assets per employee ($millions) | 3.7431% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 2,955 |
| Loan loss allowance to noncurrent loans | 37.7035% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 4.2893% | 1,159 |
| Noncurrent loans to loans | 3.9921% | 1,512 |
| Net loans and leases to total assets | 74.9135% | 2,524 |
| Net loans and leases to deposits | 89.2029% | 3,071 |
| Net loans and leases to core deposits | 100.1697% | 4,523 |
| Total domestic deposits to total assets | 83.9810% | 3,710 |
| Equity capital to assets | 11.6816% | 2,462 |
| Core capital (leverage) ratio | 8.4629% | 5,611 |
| Tier 1 risk-based capital ratio | 11.4986% | 5,416 |
| Total risk-based capital ratio | 12.7515% | 5,308 |
| Memoranda: | ||
| Average total assets | $76,219,500 | 5,940 |
| Average earning assets | $70,140,000 | 5,909 |
| Average equity | $8,695,500 | 5,813 |
| Average total loans | $57,305,500 | 5,483 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3436% | 551 |
| Cost of funding earning assets | 2.9554% | 2,039 |
| Net interest margin | 4.3882% | 1,720 |
| Noninterest income to average assets | 0.3853% | 5,595 |
| Noninterest expense to average assets | 4.1772% | 1,172 |
| Loan and lease loss provision to assets | 1.6029% | 821 |
| Net operating income to assets | -0.7987% | 7,134 |
| Return on assets (ROA) | -1.7874% | 7,507 |
| Pretax return on assets | -2.9204% | 7,690 |
| Return on Equity (ROE) | -14.6495% | 7,576 |
| Retained earnings to average equity (ytd only) | -14.6495% | 7,440 |
| Net charge-offs to loans | 1.8684% | 587 |
| Credit loss provision to net charge-offs | 116.8508% | 4,615 |
| Earnings coverage of net charge-offs (x) | 0.1657% | 6,150 |
| Efficiency ratio | 53.7425% | 7,296 |
| Assets per employee ($millions) | 4.0831% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 2,634 |
| Loan loss allowance to noncurrent loans | 31.2500% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 4.2125% | 944 |
| Noncurrent loans to loans | 4.8272% | 938 |
| Net loans and leases to total assets | 73.2205% | 3,306 |
| Net loans and leases to deposits | 92.8730% | 2,979 |
| Net loans and leases to core deposits | 105.0779% | 4,288 |
| Total domestic deposits to total assets | 78.8394% | 5,437 |
| Equity capital to assets | 11.1449% | 2,932 |
| Core capital (leverage) ratio | 8.4150% | 5,727 |
| Tier 1 risk-based capital ratio | 10.9803% | 5,742 |
| Total risk-based capital ratio | 12.2335% | 5,642 |
| Memoranda: | ||
| Average total assets | $79,167,400 | 5,729 |
| Average earning assets | $72,512,000 | 5,723 |
| Average equity | $9,659,000 | 5,520 |
| Average total loans | $58,125,800 | 5,359 |