Home > Superior Savings Bank > Performance and Condition Ratios
Superior Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 2,248 |
| Cost of funding earning assets | 0.8103% | 3,707 |
| Net interest margin | 4.1031% | 1,071 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 3.0170% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7510% | 3,042 |
| Return on assets (ROA) | 0.7510% | 3,024 |
| Pretax return on assets | 1.0188% | 2,623 |
| Return on Equity (ROE) | 4.2400% | 3,852 |
| Retained earnings to average equity (ytd only) | 4.2393% | 2,878 |
| Net charge-offs to loans | 0.0046% | 2,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 285.3333% | 448 |
| Efficiency ratio | 74.7567% | 1,372 |
| Assets per employee ($millions) | 6.3330% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3338% | 240 |
| Loan loss allowance to noncurrent loans | 670.5128% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 1,903 |
| Noncurrent loans to loans | 0.3481% | 1,934 |
| Net loans and leases to total assets | 74.0600% | 1,359 |
| Net loans and leases to deposits | 89.7165% | 1,295 |
| Net loans and leases to core deposits | 90.9732% | 1,985 |
| Total domestic deposits to total assets | 82.5400% | 3,007 |
| Equity capital to assets | 17.1336% | 380 |
| Core capital (leverage) ratio | 17.7192% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $84,022,800 | 3,982 |
| Average earning assets | $71,457,400 | 4,023 |
| Average equity | $14,884,600 | 3,278 |
| Average total loans | $65,492,600 | 3,619 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7093% | 2,449 |
| Cost of funding earning assets | 0.6647% | 3,839 |
| Net interest margin | 4.0445% | 1,156 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.9397% | 1,159 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8367% | 2,912 |
| Return on assets (ROA) | 0.8367% | 2,890 |
| Pretax return on assets | 1.1183% | 2,513 |
| Return on Equity (ROE) | 4.6800% | 3,870 |
| Retained earnings to average equity (ytd only) | 4.6820% | 3,049 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.4425% | 1,522 |
| Assets per employee ($millions) | 6.0919% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4226% | 221 |
| Loan loss allowance to noncurrent loans | 520.5298% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 1,613 |
| Noncurrent loans to loans | 0.4654% | 1,658 |
| Net loans and leases to total assets | 74.2400% | 1,313 |
| Net loans and leases to deposits | 90.6184% | 1,190 |
| Net loans and leases to core deposits | 91.9703% | 1,798 |
| Total domestic deposits to total assets | 81.9300% | 3,226 |
| Equity capital to assets | 17.6817% | 362 |
| Core capital (leverage) ratio | 17.8828% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $82,863,000 | 4,010 |
| Average earning assets | $71,403,750 | 4,039 |
| Average equity | $14,808,000 | 3,280 |
| Average total loans | $65,058,750 | 3,633 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 2,570 |
| Cost of funding earning assets | 0.5110% | 3,959 |
| Net interest margin | 4.0209% | 1,205 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 3.0126% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7678% | 3,169 |
| Return on assets (ROA) | 0.7678% | 3,184 |
| Pretax return on assets | 1.0578% | 2,755 |
| Return on Equity (ROE) | 4.2800% | 3,988 |
| Retained earnings to average equity (ytd only) | 4.2807% | 3,135 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.0120% | 1,343 |
| Assets per employee ($millions) | 5.9295% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4163% | 247 |
| Loan loss allowance to noncurrent loans | 510.3896% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 1,436 |
| Noncurrent loans to loans | 0.4734% | 1,525 |
| Net loans and leases to total assets | 76.4800% | 1,005 |
| Net loans and leases to deposits | 93.6137% | 900 |
| Net loans and leases to core deposits | 95.0517% | 1,518 |
| Total domestic deposits to total assets | 81.6900% | 3,291 |
| Equity capital to assets | 17.9189% | 345 |
| Core capital (leverage) ratio | 17.7476% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $82,055,333 | 4,026 |
| Average earning assets | $71,625,667 | 4,058 |
| Average equity | $14,717,333 | 3,298 |
| Average total loans | $65,115,667 | 3,635 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 2,881 |
| Cost of funding earning assets | 0.3120% | 4,164 |
| Net interest margin | 3.9557% | 1,354 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 3.0009% | 1,057 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7698% | 3,298 |
| Return on assets (ROA) | 0.7698% | 3,249 |
| Pretax return on assets | 1.0591% | 2,834 |
| Return on Equity (ROE) | 4.2900% | 3,993 |
| Retained earnings to average equity (ytd only) | 4.2901% | 3,183 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.9130% | 1,351 |
| Assets per employee ($millions) | 5.8359% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4255% | 239 |
| Loan loss allowance to noncurrent loans | 628.8000% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 1,635 |
| Noncurrent loans to loans | 0.3857% | 1,774 |
| Net loans and leases to total assets | 77.4000% | 829 |
| Net loans and leases to deposits | 95.0262% | 719 |
| Net loans and leases to core deposits | 96.5142% | 1,251 |
| Total domestic deposits to total assets | 81.4500% | 3,563 |
| Equity capital to assets | 18.0130% | 299 |
| Core capital (leverage) ratio | 18.3632% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $81,576,500 | 4,081 |
| Average earning assets | $71,796,000 | 4,114 |
| Average equity | $14,638,500 | 3,339 |
| Average total loans | $65,144,500 | 3,674 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2410% | 3,738 |
| Cost of funding earning assets | 0.0632% | 4,531 |
| Net interest margin | 3.1778% | 2,933 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.8978% | 1,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5552% | 3,978 |
| Return on assets (ROA) | 0.5552% | 3,943 |
| Pretax return on assets | 0.7664% | 3,703 |
| Return on Equity (ROE) | 3.2200% | 4,273 |
| Retained earnings to average equity (ytd only) | 3.2220% | 3,659 |
| Net charge-offs to loans | 0.0034% | 2,344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 317.5000% | 471 |
| Efficiency ratio | 79.0843% | 782 |
| Assets per employee ($millions) | 5.4301% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4008% | 232 |
| Loan loss allowance to noncurrent loans | 582.2222% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 1,523 |
| Noncurrent loans to loans | 0.4124% | 1,688 |
| Net loans and leases to total assets | 78.4600% | 755 |
| Net loans and leases to deposits | 95.8815% | 650 |
| Net loans and leases to core deposits | 97.7874% | 1,110 |
| Total domestic deposits to total assets | 81.8300% | 3,650 |
| Equity capital to assets | 17.8758% | 297 |
| Core capital (leverage) ratio | 17.8176% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $82,854,800 | 4,095 |
| Average earning assets | $77,537,800 | 4,068 |
| Average equity | $14,276,800 | 3,431 |
| Average total loans | $58,699,800 | 3,755 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9689% | 3,940 |
| Cost of funding earning assets | 0.0524% | 4,570 |
| Net interest margin | 2.9166% | 3,445 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.7994% | 1,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4807% | 4,117 |
| Return on assets (ROA) | 0.4807% | 4,066 |
| Pretax return on assets | 0.6634% | 3,877 |
| Return on Equity (ROE) | 2.8200% | 4,322 |
| Retained earnings to average equity (ytd only) | 2.8156% | 3,827 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.8422% | 723 |
| Assets per employee ($millions) | 5.4595% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4979% | 233 |
| Loan loss allowance to noncurrent loans | 666.9492% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 1,801 |
| Noncurrent loans to loans | 0.3745% | 1,887 |
| Net loans and leases to total assets | 75.0200% | 1,008 |
| Net loans and leases to deposits | 91.3848% | 802 |
| Net loans and leases to core deposits | 93.2079% | 1,136 |
| Total domestic deposits to total assets | 82.0900% | 3,828 |
| Equity capital to assets | 17.5839% | 297 |
| Core capital (leverage) ratio | 17.4851% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $83,205,750 | 4,117 |
| Average earning assets | $78,949,250 | 4,075 |
| Average equity | $14,206,000 | 3,488 |
| Average total loans | $57,005,250 | 3,805 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7099% | 4,127 |
| Cost of funding earning assets | 0.0529% | 4,577 |
| Net interest margin | 2.6571% | 3,802 |
| Noninterest income to average assets | 0.6815% | 1,426 |
| Noninterest expense to average assets | 2.8502% | 1,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2558% | 4,356 |
| Return on assets (ROA) | 0.2558% | 4,312 |
| Pretax return on assets | 0.3539% | 4,220 |
| Return on Equity (ROE) | 1.5133% | 4,405 |
| Retained earnings to average equity (ytd only) | 1.5133% | 3,876 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9552% | 457 |
| Assets per employee ($millions) | 5.1596% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6412% | 210 |
| Loan loss allowance to noncurrent loans | 546.5278% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 1,604 |
| Noncurrent loans to loans | 0.4833% | 1,665 |
| Net loans and leases to total assets | 70.2813% | 1,278 |
| Net loans and leases to deposits | 85.1570% | 1,044 |
| Net loans and leases to core deposits | 86.8316% | 1,274 |
| Total domestic deposits to total assets | 82.5314% | 3,940 |
| Equity capital to assets | 17.2093% | 265 |
| Core capital (leverage) ratio | 16.7874% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,643,333 | 4,158 |
| Average earning assets | $79,411,333 | 4,125 |
| Average equity | $14,141,333 | 3,572 |
| Average total loans | $55,003,000 | 3,876 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4721% | 4,304 |
| Cost of funding earning assets | 0.0549% | 4,562 |
| Net interest margin | 2.4172% | 4,041 |
| Noninterest income to average assets | 0.6319% | 1,563 |
| Noninterest expense to average assets | 2.8175% | 1,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0808% | 4,490 |
| Return on assets (ROA) | 0.0808% | 4,464 |
| Pretax return on assets | 0.1140% | 4,430 |
| Return on Equity (ROE) | 0.4820% | 4,485 |
| Retained earnings to average equity (ytd only) | 0.4820% | 3,923 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1102% | 328 |
| Assets per employee ($millions) | 5.2799% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9576% | 163 |
| Loan loss allowance to noncurrent loans | 540.8935% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 1,731 |
| Noncurrent loans to loans | 0.5468% | 1,670 |
| Net loans and leases to total assets | 61.1343% | 1,949 |
| Net loans and leases to deposits | 73.7070% | 1,633 |
| Net loans and leases to core deposits | 75.1156% | 1,839 |
| Total domestic deposits to total assets | 82.9423% | 3,947 |
| Equity capital to assets | 16.7109% | 282 |
| Core capital (leverage) ratio | 16.4444% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,188,000 | 4,171 |
| Average earning assets | $80,093,000 | 4,141 |
| Average equity | $14,108,500 | 3,646 |
| Average total loans | $52,707,500 | 3,930 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6803% | 4,333 |
| Cost of funding earning assets | 0.0555% | 4,660 |
| Net interest margin | 2.6248% | 4,013 |
| Noninterest income to average assets | 1.4509% | 532 |
| Noninterest expense to average assets | 2.8589% | 1,233 |
| Loan and lease loss provision to assets | 0.1700% | 684 |
| Net operating income to assets | 0.6688% | 3,701 |
| Return on assets (ROA) | 0.6688% | 3,753 |
| Pretax return on assets | 0.9232% | 3,446 |
| Return on Equity (ROE) | 3.8475% | 4,243 |
| Retained earnings to average equity (ytd only) | 3.8475% | 3,279 |
| Net charge-offs to loans | 0.0216% | 1,832 |
| Credit loss provision to net charge-offs | 1,227.2727% | 458 |
| Earnings coverage of net charge-offs (x) | 78.9091% | 1,006 |
| Efficiency ratio | 72.3391% | 1,473 |
| Assets per employee ($millions) | 5.2436% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0156% | 145 |
| Loan loss allowance to noncurrent loans | 410.9661% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 1,448 |
| Noncurrent loans to loans | 0.7338% | 1,385 |
| Net loans and leases to total assets | 60.3376% | 2,126 |
| Net loans and leases to deposits | 72.7809% | 1,831 |
| Net loans and leases to core deposits | 74.1812% | 2,063 |
| Total domestic deposits to total assets | 82.9030% | 3,832 |
| Equity capital to assets | 16.8061% | 309 |
| Core capital (leverage) ratio | 17.2486% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,401,600 | 4,225 |
| Average earning assets | $75,662,400 | 4,188 |
| Average equity | $13,801,200 | 3,763 |
| Average total loans | $50,918,200 | 3,981 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7339% | 4,371 |
| Cost of funding earning assets | 0.0554% | 4,754 |
| Net interest margin | 2.6785% | 4,013 |
| Noninterest income to average assets | 1.1770% | 829 |
| Noninterest expense to average assets | 2.7866% | 1,376 |
| Loan and lease loss provision to assets | 0.1929% | 543 |
| Net operating income to assets | 0.5434% | 4,115 |
| Return on assets (ROA) | 0.5434% | 4,159 |
| Pretax return on assets | 0.7495% | 3,991 |
| Return on Equity (ROE) | 3.0986% | 4,449 |
| Retained earnings to average equity (ytd only) | 3.0986% | 3,869 |
| Net charge-offs to loans | 0.0316% | 1,431 |
| Credit loss provision to net charge-offs | 941.6667% | 529 |
| Earnings coverage of net charge-offs (x) | 46.0833% | 1,279 |
| Efficiency ratio | 74.7373% | 1,153 |
| Assets per employee ($millions) | 4.9883% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0852% | 141 |
| Loan loss allowance to noncurrent loans | 327.9070% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.5926% | 1,291 |
| Noncurrent loans to loans | 0.9409% | 1,220 |
| Net loans and leases to total assets | 61.0452% | 2,129 |
| Net loans and leases to deposits | 74.1854% | 1,838 |
| Net loans and leases to core deposits | 75.7199% | 2,075 |
| Total domestic deposits to total assets | 82.2873% | 3,866 |
| Equity capital to assets | 17.4007% | 308 |
| Core capital (leverage) ratio | 17.4813% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,277,500 | 4,294 |
| Average earning assets | $74,567,250 | 4,254 |
| Average equity | $13,726,500 | 3,814 |
| Average total loans | $50,598,750 | 4,040 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7426% | 4,412 |
| Cost of funding earning assets | 0.0567% | 4,795 |
| Net interest margin | 2.6859% | 4,008 |
| Noninterest income to average assets | 1.2268% | 774 |
| Noninterest expense to average assets | 2.7981% | 1,359 |
| Loan and lease loss provision to assets | 0.2315% | 443 |
| Net operating income to assets | 0.5478% | 4,119 |
| Return on assets (ROA) | 0.5478% | 4,163 |
| Pretax return on assets | 0.7561% | 3,955 |
| Return on Equity (ROE) | 3.1157% | 4,456 |
| Retained earnings to average equity (ytd only) | 3.1157% | 3,808 |
| Net charge-offs to loans | 0.0473% | 1,158 |
| Credit loss provision to net charge-offs | 750.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,275 |
| Efficiency ratio | 73.9130% | 1,249 |
| Assets per employee ($millions) | 4.8459% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9447% | 162 |
| Loan loss allowance to noncurrent loans | 362.0853% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 1,531 |
| Noncurrent loans to loans | 0.8133% | 1,511 |
| Net loans and leases to total assets | 64.9539% | 1,834 |
| Net loans and leases to deposits | 79.3702% | 1,479 |
| Net loans and leases to core deposits | 81.0695% | 1,791 |
| Total domestic deposits to total assets | 81.8366% | 3,952 |
| Equity capital to assets | 17.7752% | 282 |
| Core capital (leverage) ratio | 17.6148% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,765,667 | 4,326 |
| Average earning assets | $74,089,667 | 4,286 |
| Average equity | $13,672,667 | 3,826 |
| Average total loans | $50,707,333 | 4,070 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6945% | 4,488 |
| Cost of funding earning assets | 0.0539% | 4,853 |
| Net interest margin | 2.6406% | 4,075 |
| Noninterest income to average assets | 1.2686% | 782 |
| Noninterest expense to average assets | 2.8608% | 1,234 |
| Loan and lease loss provision to assets | 0.2311% | 487 |
| Net operating income to assets | 0.5033% | 4,171 |
| Return on assets (ROA) | 0.5033% | 4,208 |
| Pretax return on assets | 0.6934% | 4,032 |
| Return on Equity (ROE) | 2.8785% | 4,495 |
| Retained earnings to average equity (ytd only) | 2.8785% | 3,818 |
| Net charge-offs to loans | 0.0958% | 706 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,351 |
| Efficiency ratio | 75.5767% | 1,172 |
| Assets per employee ($millions) | 4.8533% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9741% | 151 |
| Loan loss allowance to noncurrent loans | 332.5112% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 1,651 |
| Noncurrent loans to loans | 0.8945% | 1,511 |
| Net loans and leases to total assets | 62.3028% | 2,256 |
| Net loans and leases to deposits | 76.1722% | 1,888 |
| Net loans and leases to core deposits | 77.8014% | 2,202 |
| Total domestic deposits to total assets | 81.7921% | 3,931 |
| Equity capital to assets | 17.6001% | 273 |
| Core capital (leverage) ratio | 17.8581% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,881,000 | 4,338 |
| Average earning assets | $74,226,500 | 4,298 |
| Average equity | $13,618,000 | 3,833 |
| Average total loans | $50,116,000 | 4,102 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0324% | 4,609 |
| Cost of funding earning assets | 0.0665% | 4,922 |
| Net interest margin | 2.9659% | 3,971 |
| Noninterest income to average assets | 1.6119% | 480 |
| Noninterest expense to average assets | 3.0379% | 1,356 |
| Loan and lease loss provision to assets | 0.1929% | 2,026 |
| Net operating income to assets | 0.8749% | 2,809 |
| Return on assets (ROA) | 0.8749% | 2,944 |
| Pretax return on assets | 1.2069% | 2,302 |
| Return on Equity (ROE) | 4.7894% | 3,958 |
| Retained earnings to average equity (ytd only) | 4.7894% | 2,376 |
| Net charge-offs to loans | 0.0065% | 3,115 |
| Credit loss provision to net charge-offs | 4,666.6667% | 228 |
| Earnings coverage of net charge-offs (x) | 338.6667% | 318 |
| Efficiency ratio | 68.4570% | 2,170 |
| Assets per employee ($millions) | 4.8818% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8788% | 160 |
| Loan loss allowance to noncurrent loans | 379.5812% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 2,094 |
| Noncurrent loans to loans | 0.7584% | 1,809 |
| Net loans and leases to total assets | 62.6291% | 2,526 |
| Net loans and leases to deposits | 76.3548% | 2,247 |
| Net loans and leases to core deposits | 77.9722% | 2,552 |
| Total domestic deposits to total assets | 82.0238% | 3,658 |
| Equity capital to assets | 17.3719% | 310 |
| Core capital (leverage) ratio | 17.9693% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,583,400 | 4,348 |
| Average earning assets | $69,152,200 | 4,305 |
| Average equity | $13,258,400 | 3,835 |
| Average total loans | $46,248,600 | 4,180 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1084% | 4,660 |
| Cost of funding earning assets | 0.0669% | 4,969 |
| Net interest margin | 3.0415% | 3,884 |
| Noninterest income to average assets | 1.6179% | 456 |
| Noninterest expense to average assets | 2.9961% | 1,451 |
| Loan and lease loss provision to assets | 0.1784% | 2,205 |
| Net operating income to assets | 0.9700% | 2,449 |
| Return on assets (ROA) | 0.9700% | 2,581 |
| Pretax return on assets | 1.3389% | 1,911 |
| Return on Equity (ROE) | 5.2398% | 3,814 |
| Retained earnings to average equity (ytd only) | 5.2398% | 2,457 |
| Net charge-offs to loans | 0.0118% | 2,684 |
| Credit loss provision to net charge-offs | 2,375.0000% | 419 |
| Earnings coverage of net charge-offs (x) | 202.5000% | 488 |
| Efficiency ratio | 66.3900% | 2,418 |
| Assets per employee ($millions) | 5.0797% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9250% | 149 |
| Loan loss allowance to noncurrent loans | 362.1134% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 2,169 |
| Noncurrent loans to loans | 0.8077% | 1,807 |
| Net loans and leases to total assets | 61.1982% | 3,096 |
| Net loans and leases to deposits | 74.8884% | 2,865 |
| Net loans and leases to core deposits | 76.5430% | 3,122 |
| Total domestic deposits to total assets | 81.7193% | 3,489 |
| Equity capital to assets | 17.6547% | 327 |
| Core capital (leverage) ratio | 18.1632% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,202,000 | 4,372 |
| Average earning assets | $67,771,500 | 4,336 |
| Average equity | $13,180,750 | 3,850 |
| Average total loans | $45,218,500 | 4,222 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3704% | 4,572 |
| Cost of funding earning assets | 0.0725% | 5,003 |
| Net interest margin | 3.2978% | 3,393 |
| Noninterest income to average assets | 1.4179% | 525 |
| Noninterest expense to average assets | 3.0171% | 1,531 |
| Loan and lease loss provision to assets | 0.1438% | 2,574 |
| Net operating income to assets | 1.0124% | 2,278 |
| Return on assets (ROA) | 1.0124% | 2,401 |
| Pretax return on assets | 1.3949% | 1,738 |
| Return on Equity (ROE) | 5.3780% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.3780% | 2,319 |
| Net charge-offs to loans | 0.0090% | 2,624 |
| Credit loss provision to net charge-offs | 2,500.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 267.5000% | 353 |
| Efficiency ratio | 66.2247% | 2,486 |
| Assets per employee ($millions) | 4.5485% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1318% | 123 |
| Loan loss allowance to noncurrent loans | 327.4038% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.5716% | 2,089 |
| Noncurrent loans to loans | 0.9565% | 1,616 |
| Net loans and leases to total assets | 57.8872% | 3,525 |
| Net loans and leases to deposits | 71.4022% | 3,314 |
| Net loans and leases to core deposits | 73.0691% | 3,515 |
| Total domestic deposits to total assets | 81.0721% | 3,588 |
| Equity capital to assets | 18.2560% | 284 |
| Core capital (leverage) ratio | 18.4251% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,537,667 | 4,405 |
| Average earning assets | $66,164,667 | 4,372 |
| Average equity | $13,090,333 | 3,860 |
| Average total loans | $44,279,667 | 4,252 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6929% | 4,407 |
| Cost of funding earning assets | 0.0741% | 5,062 |
| Net interest margin | 3.6188% | 2,609 |
| Noninterest income to average assets | 0.7421% | 1,488 |
| Noninterest expense to average assets | 3.1508% | 1,525 |
| Loan and lease loss provision to assets | 0.0883% | 2,582 |
| Net operating income to assets | 0.6891% | 3,308 |
| Return on assets (ROA) | 0.6891% | 3,378 |
| Pretax return on assets | 0.9541% | 2,988 |
| Return on Equity (ROE) | 3.6021% | 4,070 |
| Retained earnings to average equity (ytd only) | 3.6021% | 2,848 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1404% | 1,671 |
| Assets per employee ($millions) | 4.2083% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0084% | 147 |
| Loan loss allowance to noncurrent loans | 270.1220% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 1,842 |
| Noncurrent loans to loans | 1.1137% | 1,487 |
| Net loans and leases to total assets | 63.6369% | 3,106 |
| Net loans and leases to deposits | 79.5042% | 2,731 |
| Net loans and leases to core deposits | 82.9134% | 2,941 |
| Total domestic deposits to total assets | 80.0422% | 3,851 |
| Equity capital to assets | 19.3831% | 273 |
| Core capital (leverage) ratio | 19.4266% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,918,500 | 4,441 |
| Average earning assets | $64,773,000 | 4,403 |
| Average equity | $12,992,500 | 3,882 |
| Average total loans | $44,674,500 | 4,257 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 4,278 |
| Cost of funding earning assets | 0.0760% | 5,129 |
| Net interest margin | 3.9155% | 2,117 |
| Noninterest income to average assets | 0.7366% | 1,673 |
| Noninterest expense to average assets | 3.1285% | 1,692 |
| Loan and lease loss provision to assets | 0.0909% | 2,206 |
| Net operating income to assets | 0.9170% | 3,139 |
| Return on assets (ROA) | 0.9170% | 3,219 |
| Pretax return on assets | 1.2672% | 2,621 |
| Return on Equity (ROE) | 4.7915% | 4,270 |
| Retained earnings to average equity (ytd only) | 4.7915% | 2,542 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7297% | 2,212 |
| Assets per employee ($millions) | 4.2816% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9089% | 139 |
| Loan loss allowance to noncurrent loans | 316.6265% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 2,079 |
| Noncurrent loans to loans | 0.9187% | 1,673 |
| Net loans and leases to total assets | 64.0216% | 3,197 |
| Net loans and leases to deposits | 79.3135% | 2,865 |
| Net loans and leases to core deposits | 81.2908% | 3,194 |
| Total domestic deposits to total assets | 80.7197% | 3,828 |
| Equity capital to assets | 18.8804% | 304 |
| Core capital (leverage) ratio | 19.4169% | 263 |
| Tier 1 risk-based capital ratio | 36.2520% | 305 |
| Total risk-based capital ratio | 37.5329% | 298 |
| Memoranda: | ||
| Average total assets | $65,974,600 | 4,497 |
| Average earning assets | $63,185,000 | 4,457 |
| Average equity | $12,626,600 | 3,921 |
| Average total loans | $44,349,600 | 4,298 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 4,231 |
| Cost of funding earning assets | 0.0745% | 5,205 |
| Net interest margin | 3.9889% | 1,979 |
| Noninterest income to average assets | 0.7081% | 1,747 |
| Noninterest expense to average assets | 3.0791% | 1,762 |
| Loan and lease loss provision to assets | 0.0837% | 2,232 |
| Net operating income to assets | 0.9896% | 3,019 |
| Return on assets (ROA) | 0.9896% | 3,094 |
| Pretax return on assets | 1.3671% | 2,430 |
| Return on Equity (ROE) | 5.1527% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.1527% | 2,818 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9730% | 2,428 |
| Assets per employee ($millions) | 4.1439% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9751% | 134 |
| Loan loss allowance to noncurrent loans | 376.4535% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 2,453 |
| Noncurrent loans to loans | 0.7903% | 1,997 |
| Net loans and leases to total assets | 63.6979% | 3,316 |
| Net loans and leases to deposits | 79.2974% | 2,973 |
| Net loans and leases to core deposits | 81.3503% | 3,289 |
| Total domestic deposits to total assets | 80.3279% | 3,913 |
| Equity capital to assets | 19.3267% | 286 |
| Core capital (leverage) ratio | 19.7272% | 257 |
| Tier 1 risk-based capital ratio | 36.9248% | 306 |
| Total risk-based capital ratio | 38.2042% | 297 |
| Memoranda: | ||
| Average total assets | $65,342,000 | 4,564 |
| Average earning assets | $62,605,500 | 4,518 |
| Average equity | $12,549,750 | 3,966 |
| Average total loans | $44,144,000 | 4,356 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0445% | 4,292 |
| Cost of funding earning assets | 0.0738% | 5,252 |
| Net interest margin | 3.9707% | 2,013 |
| Noninterest income to average assets | 0.6459% | 1,940 |
| Noninterest expense to average assets | 3.2820% | 1,314 |
| Loan and lease loss provision to assets | 0.0738% | 2,338 |
| Net operating income to assets | 0.7905% | 3,691 |
| Return on assets (ROA) | 0.7905% | 3,748 |
| Pretax return on assets | 1.0950% | 3,246 |
| Return on Equity (ROE) | 4.1246% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.1246% | 3,187 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7388% | 1,673 |
| Assets per employee ($millions) | 3.8056% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9167% | 137 |
| Loan loss allowance to noncurrent loans | 394.4444% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 2,546 |
| Noncurrent loans to loans | 0.7395% | 2,141 |
| Net loans and leases to total assets | 65.7516% | 3,141 |
| Net loans and leases to deposits | 81.9157% | 2,742 |
| Net loans and leases to core deposits | 83.5094% | 3,153 |
| Total domestic deposits to total assets | 80.2674% | 3,980 |
| Equity capital to assets | 19.4544% | 269 |
| Core capital (leverage) ratio | 19.5657% | 252 |
| Tier 1 risk-based capital ratio | 35.2312% | 331 |
| Total risk-based capital ratio | 36.5105% | 324 |
| Memoranda: | ||
| Average total assets | $65,022,000 | 4,610 |
| Average earning assets | $62,307,000 | 4,556 |
| Average equity | $12,461,670 | 3,986 |
| Average total loans | $44,349,330 | 4,381 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 4,290 |
| Cost of funding earning assets | 0.0705% | 5,315 |
| Net interest margin | 3.9651% | 1,966 |
| Noninterest income to average assets | 0.5584% | 2,235 |
| Noninterest expense to average assets | 3.0804% | 1,775 |
| Loan and lease loss provision to assets | 0.0736% | 2,203 |
| Net operating income to assets | 0.8652% | 3,377 |
| Return on assets (ROA) | 0.8652% | 3,425 |
| Pretax return on assets | 1.2027% | 2,789 |
| Return on Equity (ROE) | 4.5486% | 4,460 |
| Retained earnings to average equity (ytd only) | 4.5486% | 3,108 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7042% | 2,239 |
| Assets per employee ($millions) | 3.7354% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8572% | 153 |
| Loan loss allowance to noncurrent loans | 342.1622% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5827% | 2,322 |
| Noncurrent loans to loans | 0.8350% | 1,968 |
| Net loans and leases to total assets | 67.7832% | 2,783 |
| Net loans and leases to deposits | 84.7453% | 2,293 |
| Net loans and leases to core deposits | 86.4317% | 2,836 |
| Total domestic deposits to total assets | 79.9846% | 4,178 |
| Equity capital to assets | 19.6375% | 256 |
| Core capital (leverage) ratio | 19.6685% | 250 |
| Tier 1 risk-based capital ratio | 34.5592% | 337 |
| Total risk-based capital ratio | 35.8368% | 328 |
| Memoranda: | ||
| Average total assets | $65,185,500 | 4,653 |
| Average earning assets | $62,445,500 | 4,610 |
| Average equity | $12,399,500 | 4,017 |
| Average total loans | $44,616,000 | 4,420 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7046% | 4,666 |
| Cost of funding earning assets | 0.0824% | 5,324 |
| Net interest margin | 3.6222% | 3,305 |
| Noninterest income to average assets | 0.5046% | 2,815 |
| Noninterest expense to average assets | 3.0321% | 1,982 |
| Loan and lease loss provision to assets | 0.0714% | 2,705 |
| Net operating income to assets | 0.6847% | 4,183 |
| Return on assets (ROA) | 0.6847% | 4,187 |
| Pretax return on assets | 0.8708% | 3,972 |
| Return on Equity (ROE) | 3.8004% | 4,757 |
| Retained earnings to average equity (ytd only) | 3.8004% | 3,483 |
| Net charge-offs to loans | 0.0900% | 1,879 |
| Credit loss provision to net charge-offs | 120.0000% | 2,167 |
| Earnings coverage of net charge-offs (x) | 15.8250% | 2,299 |
| Efficiency ratio | 76.2921% | 1,315 |
| Assets per employee ($millions) | 3.9335% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7914% | 165 |
| Loan loss allowance to noncurrent loans | 330.8707% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 2,340 |
| Noncurrent loans to loans | 0.8437% | 1,915 |
| Net loans and leases to total assets | 65.3043% | 3,223 |
| Net loans and leases to deposits | 80.4025% | 2,909 |
| Net loans and leases to core deposits | 82.4768% | 3,224 |
| Total domestic deposits to total assets | 81.2218% | 3,838 |
| Equity capital to assets | 18.4373% | 306 |
| Core capital (leverage) ratio | 18.7471% | 275 |
| Tier 1 risk-based capital ratio | 34.4655% | 330 |
| Total risk-based capital ratio | 35.7430% | 324 |
| Memoranda: | ||
| Average total assets | $67,181,400 | 4,631 |
| Average earning assets | $64,352,800 | 4,583 |
| Average equity | $12,104,000 | 4,007 |
| Average total loans | $44,439,200 | 4,442 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6440% | 4,731 |
| Cost of funding earning assets | 0.0828% | 5,388 |
| Net interest margin | 3.5612% | 3,491 |
| Noninterest income to average assets | 0.4520% | 3,156 |
| Noninterest expense to average assets | 2.9319% | 2,224 |
| Loan and lease loss provision to assets | 0.0654% | 2,666 |
| Net operating income to assets | 0.6799% | 4,291 |
| Return on assets (ROA) | 0.6799% | 4,303 |
| Pretax return on assets | 0.8643% | 4,130 |
| Return on Equity (ROE) | 3.7959% | 4,863 |
| Retained earnings to average equity (ytd only) | 3.7959% | 3,873 |
| Net charge-offs to loans | 0.1203% | 1,309 |
| Credit loss provision to net charge-offs | 82.5000% | 2,505 |
| Earnings coverage of net charge-offs (x) | 11.7255% | 2,496 |
| Efficiency ratio | 75.9240% | 1,362 |
| Assets per employee ($millions) | 3.6779% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7696% | 176 |
| Loan loss allowance to noncurrent loans | 325.1969% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 2,458 |
| Noncurrent loans to loans | 0.8517% | 1,999 |
| Net loans and leases to total assets | 65.7010% | 3,217 |
| Net loans and leases to deposits | 81.1175% | 2,912 |
| Net loans and leases to core deposits | 84.1706% | 3,141 |
| Total domestic deposits to total assets | 80.9948% | 3,869 |
| Equity capital to assets | 18.4463% | 296 |
| Core capital (leverage) ratio | 18.5455% | 290 |
| Tier 1 risk-based capital ratio | 34.0053% | 343 |
| Total risk-based capital ratio | 35.2835% | 335 |
| Memoranda: | ||
| Average total assets | $67,259,250 | 4,676 |
| Average earning assets | $64,396,000 | 4,632 |
| Average equity | $12,047,750 | 4,049 |
| Average total loans | $44,318,250 | 4,495 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 4,764 |
| Cost of funding earning assets | 0.0835% | 5,437 |
| Net interest margin | 3.5187% | 3,573 |
| Noninterest income to average assets | 0.4644% | 3,067 |
| Noninterest expense to average assets | 2.8605% | 2,463 |
| Loan and lease loss provision to assets | 0.0532% | 2,846 |
| Net operating income to assets | 0.7602% | 3,993 |
| Return on assets (ROA) | 0.7602% | 3,997 |
| Pretax return on assets | 0.9170% | 3,919 |
| Return on Equity (ROE) | 4.2858% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.2858% | 3,462 |
| Net charge-offs to loans | 0.1584% | 975 |
| Credit loss provision to net charge-offs | 51.4286% | 2,484 |
| Earnings coverage of net charge-offs (x) | 9.3714% | 2,402 |
| Efficiency ratio | 74.6718% | 1,612 |
| Assets per employee ($millions) | 3.4350% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7963% | 182 |
| Loan loss allowance to noncurrent loans | 333.9674% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 2,041 |
| Noncurrent loans to loans | 0.8373% | 2,051 |
| Net loans and leases to total assets | 65.4593% | 3,216 |
| Net loans and leases to deposits | 80.6152% | 2,886 |
| Net loans and leases to core deposits | 83.6866% | 3,106 |
| Total domestic deposits to total assets | 81.1997% | 3,945 |
| Equity capital to assets | 18.5796% | 282 |
| Core capital (leverage) ratio | 18.5240% | 294 |
| Tier 1 risk-based capital ratio | 33.8800% | 348 |
| Total risk-based capital ratio | 35.1569% | 344 |
| Memoranda: | ||
| Average total assets | $67,611,330 | 4,724 |
| Average earning assets | $64,683,000 | 4,684 |
| Average equity | $11,993,000 | 4,081 |
| Average total loans | $44,179,330 | 4,541 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5312% | 4,821 |
| Cost of funding earning assets | 0.0851% | 5,491 |
| Net interest margin | 3.4461% | 3,719 |
| Noninterest income to average assets | 0.3722% | 3,648 |
| Noninterest expense to average assets | 2.6983% | 3,051 |
| Loan and lease loss provision to assets | 0.0523% | 2,726 |
| Net operating income to assets | 0.6688% | 4,216 |
| Return on assets (ROA) | 0.6688% | 4,220 |
| Pretax return on assets | 0.9188% | 3,785 |
| Return on Equity (ROE) | 3.8570% | 4,800 |
| Retained earnings to average equity (ytd only) | 3.8570% | 3,649 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5341% | 1,959 |
| Assets per employee ($millions) | 3.4549% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8524% | 179 |
| Loan loss allowance to noncurrent loans | 181.3584% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 1,483 |
| Noncurrent loans to loans | 1.5728% | 1,108 |
| Net loans and leases to total assets | 65.1133% | 3,160 |
| Net loans and leases to deposits | 80.1857% | 2,790 |
| Net loans and leases to core deposits | 84.0669% | 2,976 |
| Total domestic deposits to total assets | 81.2032% | 4,152 |
| Equity capital to assets | 18.2560% | 293 |
| Core capital (leverage) ratio | 17.7194% | 327 |
| Tier 1 risk-based capital ratio | 33.1251% | 369 |
| Total risk-based capital ratio | 34.4021% | 359 |
| Memoranda: | ||
| Average total assets | $68,784,500 | 4,758 |
| Average earning assets | $65,813,500 | 4,717 |
| Average equity | $11,926,500 | 4,135 |
| Average total loans | $44,293,500 | 4,586 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4700% | 4,834 |
| Cost of funding earning assets | 0.0883% | 5,534 |
| Net interest margin | 3.3817% | 3,906 |
| Noninterest income to average assets | 0.7273% | 1,854 |
| Noninterest expense to average assets | 2.9314% | 2,342 |
| Loan and lease loss provision to assets | 0.0621% | 2,985 |
| Net operating income to assets | 0.5241% | 4,313 |
| Return on assets (ROA) | 0.3784% | 4,771 |
| Pretax return on assets | 0.7332% | 4,433 |
| Return on Equity (ROE) | 2.1843% | 5,024 |
| Retained earnings to average equity (ytd only) | 2.1843% | 4,013 |
| Net charge-offs to loans | -0.0067% | 4,701 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1308% | 1,875 |
| Assets per employee ($millions) | 3.7855% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7944% | 178 |
| Loan loss allowance to noncurrent loans | 177.2404% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9774% | 1,586 |
| Noncurrent loans to loans | 1.5766% | 1,066 |
| Net loans and leases to total assets | 60.2614% | 3,802 |
| Net loans and leases to deposits | 72.5430% | 3,644 |
| Net loans and leases to core deposits | 75.6620% | 3,764 |
| Total domestic deposits to total assets | 83.0699% | 3,538 |
| Equity capital to assets | 16.5019% | 455 |
| Core capital (leverage) ratio | 17.3280% | 344 |
| Tier 1 risk-based capital ratio | 30.9338% | 421 |
| Total risk-based capital ratio | 32.2083% | 414 |
| Memoranda: | ||
| Average total assets | $67,647,000 | 4,818 |
| Average earning assets | $64,553,200 | 4,776 |
| Average equity | $11,720,200 | 4,182 |
| Average total loans | $44,559,800 | 4,604 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5109% | 4,790 |
| Cost of funding earning assets | 0.0903% | 5,589 |
| Net interest margin | 3.4206% | 3,773 |
| Noninterest income to average assets | 0.7650% | 1,717 |
| Noninterest expense to average assets | 2.8477% | 2,571 |
| Loan and lease loss provision to assets | 0.0541% | 3,013 |
| Net operating income to assets | 0.6960% | 4,005 |
| Return on assets (ROA) | 0.4987% | 4,772 |
| Pretax return on assets | 0.8151% | 4,311 |
| Return on Equity (ROE) | 2.8417% | 5,146 |
| Retained earnings to average equity (ytd only) | 2.8417% | 4,208 |
| Net charge-offs to loans | -0.0180% | 4,817 |
| Credit loss provision to net charge-offs | -450.0000% | 4,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7463% | 2,410 |
| Assets per employee ($millions) | 3.7393% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7247% | 200 |
| Loan loss allowance to noncurrent loans | 145.9811% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.2569% | 1,291 |
| Noncurrent loans to loans | 1.8665% | 934 |
| Net loans and leases to total assets | 65.5073% | 3,177 |
| Net loans and leases to deposits | 79.9097% | 2,984 |
| Net loans and leases to core deposits | 83.6419% | 3,163 |
| Total domestic deposits to total assets | 81.9766% | 3,784 |
| Equity capital to assets | 17.6222% | 368 |
| Core capital (leverage) ratio | 17.5745% | 334 |
| Tier 1 risk-based capital ratio | 31.7742% | 424 |
| Total risk-based capital ratio | 33.0494% | 420 |
| Memoranda: | ||
| Average total assets | $66,577,500 | 4,889 |
| Average earning assets | $63,457,000 | 4,847 |
| Average equity | $11,683,000 | 4,234 |
| Average total loans | $44,552,500 | 4,649 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4666% | 4,842 |
| Cost of funding earning assets | 0.0918% | 5,625 |
| Net interest margin | 3.3748% | 3,858 |
| Noninterest income to average assets | 0.6965% | 2,005 |
| Noninterest expense to average assets | 2.8462% | 2,596 |
| Loan and lease loss provision to assets | 0.0543% | 2,890 |
| Net operating income to assets | 0.6213% | 4,210 |
| Return on assets (ROA) | 0.5306% | 4,639 |
| Pretax return on assets | 0.8683% | 4,045 |
| Return on Equity (ROE) | 3.0283% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.0283% | 3,914 |
| Net charge-offs to loans | -0.0316% | 4,983 |
| Credit loss provision to net charge-offs | -257.1429% | 4,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7833% | 2,215 |
| Assets per employee ($millions) | 3.3369% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7441% | 209 |
| Loan loss allowance to noncurrent loans | 143.7280% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 1,300 |
| Noncurrent loans to loans | 1.9093% | 908 |
| Net loans and leases to total assets | 65.1078% | 3,235 |
| Net loans and leases to deposits | 79.3524% | 2,985 |
| Net loans and leases to core deposits | 83.0867% | 3,164 |
| Total domestic deposits to total assets | 82.0489% | 3,877 |
| Equity capital to assets | 17.5645% | 357 |
| Core capital (leverage) ratio | 17.7840% | 310 |
| Tier 1 risk-based capital ratio | 31.5489% | 420 |
| Total risk-based capital ratio | 32.8247% | 410 |
| Memoranda: | ||
| Average total assets | $66,334,330 | 4,926 |
| Average earning assets | $63,173,670 | 4,885 |
| Average equity | $11,623,670 | 4,249 |
| Average total loans | $44,294,670 | 4,679 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4578% | 4,808 |
| Cost of funding earning assets | 0.0890% | 5,692 |
| Net interest margin | 3.3688% | 3,769 |
| Noninterest income to average assets | 0.7621% | 1,698 |
| Noninterest expense to average assets | 2.8428% | 2,645 |
| Loan and lease loss provision to assets | 0.0544% | 2,717 |
| Net operating income to assets | 0.6523% | 3,927 |
| Return on assets (ROA) | 0.6290% | 4,072 |
| Pretax return on assets | 1.0343% | 3,218 |
| Return on Equity (ROE) | 3.5941% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.5941% | 3,643 |
| Net charge-offs to loans | -0.0363% | 5,026 |
| Credit loss provision to net charge-offs | -225.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6463% | 2,638 |
| Assets per employee ($millions) | 3.6409% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7480% | 237 |
| Loan loss allowance to noncurrent loans | 215.2482% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 2,155 |
| Noncurrent loans to loans | 1.2767% | 1,578 |
| Net loans and leases to total assets | 65.5579% | 3,038 |
| Net loans and leases to deposits | 80.0373% | 2,752 |
| Net loans and leases to core deposits | 83.4739% | 2,949 |
| Total domestic deposits to total assets | 81.9092% | 4,190 |
| Equity capital to assets | 17.7429% | 320 |
| Core capital (leverage) ratio | 17.8865% | 293 |
| Tier 1 risk-based capital ratio | 32.4913% | 401 |
| Total risk-based capital ratio | 33.7655% | 387 |
| Memoranda: | ||
| Average total assets | $66,133,000 | 4,980 |
| Average earning assets | $62,930,000 | 4,940 |
| Average equity | $11,574,500 | 4,290 |
| Average total loans | $44,103,500 | 4,722 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3438% | 5,092 |
| Cost of funding earning assets | 0.0996% | 5,705 |
| Net interest margin | 3.2442% | 4,316 |
| Noninterest income to average assets | 0.7627% | 1,913 |
| Noninterest expense to average assets | 3.1259% | 1,965 |
| Loan and lease loss provision to assets | 0.0734% | 2,889 |
| Net operating income to assets | 0.3990% | 4,944 |
| Return on assets (ROA) | 0.3500% | 5,168 |
| Pretax return on assets | 0.5747% | 4,862 |
| Return on Equity (ROE) | 2.0102% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.0102% | 4,400 |
| Net charge-offs to loans | 0.2529% | 1,092 |
| Credit loss provision to net charge-offs | 42.4779% | 3,472 |
| Earnings coverage of net charge-offs (x) | 4.1947% | 3,538 |
| Efficiency ratio | 81.1830% | 1,284 |
| Assets per employee ($millions) | 3.9253% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7277% | 241 |
| Loan loss allowance to noncurrent loans | 127.9020% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.4851% | 1,132 |
| Noncurrent loans to loans | 2.1327% | 811 |
| Net loans and leases to total assets | 64.1810% | 3,333 |
| Net loans and leases to deposits | 77.8125% | 3,124 |
| Net loans and leases to core deposits | 81.0660% | 3,305 |
| Total domestic deposits to total assets | 82.4816% | 3,941 |
| Equity capital to assets | 17.2651% | 359 |
| Core capital (leverage) ratio | 17.5807% | 308 |
| Tier 1 risk-based capital ratio | 32.3524% | 402 |
| Total risk-based capital ratio | 33.6273% | 392 |
| Memoranda: | ||
| Average total assets | $65,421,600 | 5,021 |
| Average earning assets | $62,265,200 | 4,974 |
| Average equity | $11,391,800 | 4,356 |
| Average total loans | $44,688,400 | 4,724 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3491% | 5,124 |
| Cost of funding earning assets | 0.1032% | 5,754 |
| Net interest margin | 3.2458% | 4,357 |
| Noninterest income to average assets | 0.7640% | 1,918 |
| Noninterest expense to average assets | 3.0785% | 2,084 |
| Loan and lease loss provision to assets | 0.0676% | 2,865 |
| Net operating income to assets | 0.4363% | 4,917 |
| Return on assets (ROA) | 0.4363% | 5,000 |
| Pretax return on assets | 0.7087% | 4,589 |
| Return on Equity (ROE) | 2.5000% | 5,352 |
| Retained earnings to average equity (ytd only) | 2.5000% | 4,423 |
| Net charge-offs to loans | 0.2081% | 1,123 |
| Credit loss provision to net charge-offs | 47.1429% | 3,074 |
| Earnings coverage of net charge-offs (x) | 5.4143% | 3,133 |
| Efficiency ratio | 79.8618% | 1,451 |
| Assets per employee ($millions) | 3.7946% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7601% | 244 |
| Loan loss allowance to noncurrent loans | 143.0733% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.4587% | 1,245 |
| Noncurrent loans to loans | 1.9291% | 1,032 |
| Net loans and leases to total assets | 67.1219% | 2,935 |
| Net loans and leases to deposits | 82.0554% | 2,725 |
| Net loans and leases to core deposits | 85.6388% | 2,979 |
| Total domestic deposits to total assets | 81.8007% | 4,002 |
| Equity capital to assets | 17.7885% | 363 |
| Core capital (leverage) ratio | 17.8563% | 313 |
| Tier 1 risk-based capital ratio | 32.2051% | 407 |
| Total risk-based capital ratio | 33.4821% | 397 |
| Memoranda: | ||
| Average total assets | $65,094,500 | 5,071 |
| Average earning assets | $61,985,750 | 5,022 |
| Average equity | $11,359,500 | 4,402 |
| Average total loans | $44,853,250 | 4,761 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3096% | 5,274 |
| Cost of funding earning assets | 0.1028% | 5,842 |
| Net interest margin | 3.2068% | 4,520 |
| Noninterest income to average assets | 0.7291% | 2,011 |
| Noninterest expense to average assets | 3.0970% | 2,072 |
| Loan and lease loss provision to assets | 0.0551% | 3,046 |
| Net operating income to assets | 0.3860% | 5,076 |
| Return on assets (ROA) | 0.3860% | 5,155 |
| Pretax return on assets | 0.6341% | 4,807 |
| Return on Equity (ROE) | 2.2260% | 5,456 |
| Retained earnings to average equity (ytd only) | 2.2260% | 4,461 |
| Net charge-offs to loans | 0.2891% | 827 |
| Credit loss provision to net charge-offs | 27.6923% | 2,877 |
| Earnings coverage of net charge-offs (x) | 3.4615% | 3,106 |
| Efficiency ratio | 81.7961% | 1,291 |
| Assets per employee ($millions) | 3.8208% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7024% | 283 |
| Loan loss allowance to noncurrent loans | 116.4279% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.7382% | 1,018 |
| Noncurrent loans to loans | 2.3211% | 780 |
| Net loans and leases to total assets | 67.5704% | 2,851 |
| Net loans and leases to deposits | 82.4315% | 2,657 |
| Net loans and leases to core deposits | 85.9962% | 2,901 |
| Total domestic deposits to total assets | 81.9716% | 4,009 |
| Equity capital to assets | 17.5388% | 375 |
| Core capital (leverage) ratio | 17.2892% | 343 |
| Tier 1 risk-based capital ratio | 31.7361% | 426 |
| Total risk-based capital ratio | 33.0092% | 420 |
| Memoranda: | ||
| Average total assets | $65,290,000 | 5,117 |
| Average earning assets | $62,243,330 | 5,067 |
| Average equity | $11,321,000 | 4,436 |
| Average total loans | $44,961,670 | 4,797 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2882% | 5,339 |
| Cost of funding earning assets | 0.1090% | 5,873 |
| Net interest margin | 3.1793% | 4,645 |
| Noninterest income to average assets | 0.5866% | 2,609 |
| Noninterest expense to average assets | 3.1409% | 1,984 |
| Loan and lease loss provision to assets | 0.0550% | 2,845 |
| Net operating income to assets | 0.2689% | 5,382 |
| Return on assets (ROA) | 0.2689% | 5,454 |
| Pretax return on assets | 0.4216% | 5,263 |
| Return on Equity (ROE) | 1.5595% | 5,602 |
| Retained earnings to average equity (ytd only) | 1.5595% | 4,647 |
| Net charge-offs to loans | 0.1782% | 1,081 |
| Credit loss provision to net charge-offs | 45.0000% | 2,096 |
| Earnings coverage of net charge-offs (x) | 3.9000% | 2,490 |
| Efficiency ratio | 86.8243% | 904 |
| Assets per employee ($millions) | 3.5678% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8234% | 267 |
| Loan loss allowance to noncurrent loans | 93.6567% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 2.0865% | 818 |
| Noncurrent loans to loans | 3.0146% | 538 |
| Net loans and leases to total assets | 67.2599% | 2,771 |
| Net loans and leases to deposits | 81.9173% | 2,552 |
| Net loans and leases to core deposits | 85.4940% | 2,794 |
| Total domestic deposits to total assets | 82.1071% | 4,192 |
| Equity capital to assets | 17.6048% | 367 |
| Core capital (leverage) ratio | 17.4298% | 336 |
| Tier 1 risk-based capital ratio | 31.6766% | 442 |
| Total risk-based capital ratio | 32.9542% | 434 |
| Memoranda: | ||
| Average total assets | $65,458,500 | 5,168 |
| Average earning assets | $62,404,500 | 5,111 |
| Average equity | $11,285,500 | 4,451 |
| Average total loans | $44,888,500 | 4,833 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3746% | 5,215 |
| Cost of funding earning assets | 0.1245% | 5,858 |
| Net interest margin | 3.2501% | 4,473 |
| Noninterest income to average assets | 0.6274% | 2,577 |
| Noninterest expense to average assets | 3.4974% | 1,292 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1514% | 5,675 |
| Return on assets (ROA) | 0.1514% | 5,725 |
| Pretax return on assets | 0.2263% | 5,655 |
| Return on Equity (ROE) | 0.8649% | 5,795 |
| Retained earnings to average equity (ytd only) | 0.8649% | 5,172 |
| Net charge-offs to loans | 0.1134% | 2,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.9592% | 3,801 |
| Efficiency ratio | 93.9229% | 488 |
| Assets per employee ($millions) | 3.5103% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7930% | 283 |
| Loan loss allowance to noncurrent loans | 129.4479% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.4664% | 1,396 |
| Noncurrent loans to loans | 2.1577% | 935 |
| Net loans and leases to total assets | 66.0624% | 2,970 |
| Net loans and leases to deposits | 79.7629% | 2,844 |
| Net loans and leases to core deposits | 83.0791% | 3,041 |
| Total domestic deposits to total assets | 82.8236% | 3,895 |
| Equity capital to assets | 16.8901% | 420 |
| Core capital (leverage) ratio | 17.0837% | 358 |
| Tier 1 risk-based capital ratio | 31.0904% | 462 |
| Total risk-based capital ratio | 32.3683% | 457 |
| Memoranda: | ||
| Average total assets | $64,076,000 | 5,222 |
| Average earning assets | $61,044,600 | 5,159 |
| Average equity | $11,214,600 | 4,438 |
| Average total loans | $43,220,400 | 4,883 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3750% | 5,259 |
| Cost of funding earning assets | 0.1236% | 5,959 |
| Net interest margin | 3.2514% | 4,521 |
| Noninterest income to average assets | 0.6559% | 2,444 |
| Noninterest expense to average assets | 3.5613% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1261% | 5,814 |
| Return on assets (ROA) | 0.1261% | 5,853 |
| Pretax return on assets | 0.1913% | 5,804 |
| Return on Equity (ROE) | 0.7142% | 5,895 |
| Retained earnings to average equity (ytd only) | 0.7142% | 5,402 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9020% | 456 |
| Assets per employee ($millions) | 3.4783% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0086% | 240 |
| Loan loss allowance to noncurrent loans | 106.4777% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 2.1502% | 907 |
| Noncurrent loans to loans | 2.8256% | 659 |
| Net loans and leases to total assets | 64.1463% | 3,289 |
| Net loans and leases to deposits | 77.5945% | 3,140 |
| Net loans and leases to core deposits | 81.3404% | 3,319 |
| Total domestic deposits to total assets | 82.6686% | 3,932 |
| Equity capital to assets | 17.0031% | 430 |
| Core capital (leverage) ratio | 17.6452% | 319 |
| Tier 1 risk-based capital ratio | 31.7977% | 450 |
| Total risk-based capital ratio | 33.0796% | 445 |
| Memoranda: | ||
| Average total assets | $63,421,000 | 5,299 |
| Average earning assets | $60,403,000 | 5,237 |
| Average equity | $11,202,000 | 4,494 |
| Average total loans | $42,693,750 | 4,962 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4036% | 5,221 |
| Cost of funding earning assets | 0.1276% | 5,998 |
| Net interest margin | 3.2760% | 4,391 |
| Noninterest income to average assets | 0.6077% | 2,689 |
| Noninterest expense to average assets | 3.7389% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0096% | 6,002 |
| Return on assets (ROA) | -0.0096% | 6,034 |
| Pretax return on assets | -0.0096% | 6,025 |
| Return on Equity (ROE) | -0.0536% | 6,032 |
| Retained earnings to average equity (ytd only) | -0.0536% | 5,519 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2573% | 314 |
| Assets per employee ($millions) | 3.3045% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0408% | 262 |
| Loan loss allowance to noncurrent loans | 119.9818% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 2.0419% | 1,069 |
| Noncurrent loans to loans | 2.5344% | 875 |
| Net loans and leases to total assets | 66.7835% | 2,821 |
| Net loans and leases to deposits | 81.8673% | 2,572 |
| Net loans and leases to core deposits | 86.0915% | 2,755 |
| Total domestic deposits to total assets | 81.5752% | 4,423 |
| Equity capital to assets | 17.8052% | 354 |
| Core capital (leverage) ratio | 18.0577% | 283 |
| Tier 1 risk-based capital ratio | 30.0680% | 543 |
| Total risk-based capital ratio | 31.3483% | 531 |
| Memoranda: | ||
| Average total assets | $62,532,000 | 5,381 |
| Average earning assets | $59,584,330 | 5,316 |
| Average equity | $11,190,330 | 4,527 |
| Average total loans | $42,355,670 | 5,018 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3756% | 5,262 |
| Cost of funding earning assets | 0.1278% | 6,076 |
| Net interest margin | 3.2478% | 4,428 |
| Noninterest income to average assets | 0.5320% | 3,077 |
| Noninterest expense to average assets | 3.4612% | 1,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1090% | 5,855 |
| Return on assets (ROA) | 0.1090% | 5,914 |
| Pretax return on assets | 0.1667% | 5,871 |
| Return on Equity (ROE) | 0.6074% | 5,974 |
| Retained earnings to average equity (ytd only) | 0.6074% | 5,192 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4064% | 526 |
| Assets per employee ($millions) | 3.2352% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1543% | 257 |
| Loan loss allowance to noncurrent loans | 177.7027% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 1.5602% | 1,657 |
| Noncurrent loans to loans | 1.7750% | 1,534 |
| Net loans and leases to total assets | 65.6830% | 2,826 |
| Net loans and leases to deposits | 80.5515% | 2,496 |
| Net loans and leases to core deposits | 84.7997% | 2,680 |
| Total domestic deposits to total assets | 81.5416% | 4,659 |
| Equity capital to assets | 18.2257% | 314 |
| Core capital (leverage) ratio | 18.0587% | 279 |
| Tier 1 risk-based capital ratio | 32.9953% | 426 |
| Total risk-based capital ratio | 34.2770% | 422 |
| Memoranda: | ||
| Average total assets | $62,405,500 | 5,440 |
| Average earning assets | $59,486,000 | 5,370 |
| Average equity | $11,196,000 | 4,559 |
| Average total loans | $41,911,000 | 5,069 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5851% | 5,117 |
| Cost of funding earning assets | 0.1532% | 6,080 |
| Net interest margin | 3.4320% | 4,056 |
| Noninterest income to average assets | 0.5299% | 3,296 |
| Noninterest expense to average assets | 3.6530% | 1,217 |
| Loan and lease loss provision to assets | -0.1201% | 6,182 |
| Net operating income to assets | 0.1649% | 5,839 |
| Return on assets (ROA) | 0.1649% | 5,891 |
| Pretax return on assets | 0.2609% | 5,771 |
| Return on Equity (ROE) | 0.9243% | 5,980 |
| Retained earnings to average equity (ytd only) | 0.9243% | 5,367 |
| Net charge-offs to loans | 0.2954% | 1,490 |
| Credit loss provision to net charge-offs | -60.0000% | 5,442 |
| Earnings coverage of net charge-offs (x) | 0.7040% | 4,581 |
| Efficiency ratio | 96.2869% | 489 |
| Assets per employee ($millions) | 3.1672% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1211% | 260 |
| Loan loss allowance to noncurrent loans | 151.4977% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.3703% | 2,036 |
| Noncurrent loans to loans | 2.0601% | 1,331 |
| Net loans and leases to total assets | 64.4396% | 3,154 |
| Net loans and leases to deposits | 78.4584% | 2,915 |
| Net loans and leases to core deposits | 82.4589% | 3,050 |
| Total domestic deposits to total assets | 82.1322% | 4,368 |
| Equity capital to assets | 17.6641% | 346 |
| Core capital (leverage) ratio | 18.0911% | 284 |
| Tier 1 risk-based capital ratio | 30.3678% | 493 |
| Total risk-based capital ratio | 31.6461% | 489 |
| Memoranda: | ||
| Average total assets | $62,468,400 | 5,487 |
| Average earning assets | $59,411,800 | 5,405 |
| Average equity | $11,143,200 | 4,533 |
| Average total loans | $42,311,200 | 5,093 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6015% | 5,138 |
| Cost of funding earning assets | 0.1601% | 6,120 |
| Net interest margin | 3.4414% | 4,058 |
| Noninterest income to average assets | 0.5226% | 3,389 |
| Noninterest expense to average assets | 3.6604% | 1,193 |
| Loan and lease loss provision to assets | -0.1328% | 6,330 |
| Net operating income to assets | 0.1628% | 5,922 |
| Return on assets (ROA) | 0.1628% | 5,958 |
| Pretax return on assets | 0.2635% | 5,839 |
| Return on Equity (ROE) | 0.9103% | 6,044 |
| Retained earnings to average equity (ytd only) | 0.9103% | 5,519 |
| Net charge-offs to loans | 0.3966% | 1,001 |
| Credit loss provision to net charge-offs | -49.2063% | 5,341 |
| Earnings coverage of net charge-offs (x) | 0.4841% | 4,373 |
| Efficiency ratio | 96.5537% | 484 |
| Assets per employee ($millions) | 3.5905% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0577% | 340 |
| Loan loss allowance to noncurrent loans | 155.9342% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 1.4237% | 2,167 |
| Noncurrent loans to loans | 1.9609% | 1,625 |
| Net loans and leases to total assets | 68.9248% | 2,382 |
| Net loans and leases to deposits | 84.6772% | 2,069 |
| Net loans and leases to core deposits | 89.2110% | 2,295 |
| Total domestic deposits to total assets | 81.3971% | 4,700 |
| Equity capital to assets | 18.2965% | 317 |
| Core capital (leverage) ratio | 18.2463% | 288 |
| Tier 1 risk-based capital ratio | 28.7524% | 596 |
| Total risk-based capital ratio | 30.0268% | 586 |
| Memoranda: | ||
| Average total assets | $62,249,750 | 5,557 |
| Average earning assets | $59,121,500 | 5,484 |
| Average equity | $11,131,750 | 4,567 |
| Average total loans | $42,355,750 | 5,148 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5945% | 5,169 |
| Cost of funding earning assets | 0.1648% | 6,161 |
| Net interest margin | 3.4297% | 4,061 |
| Noninterest income to average assets | 0.5395% | 3,210 |
| Noninterest expense to average assets | 3.6678% | 1,190 |
| Loan and lease loss provision to assets | -0.1373% | 6,411 |
| Net operating income to assets | 0.2011% | 5,834 |
| Return on assets (ROA) | 0.2011% | 5,891 |
| Pretax return on assets | 0.2650% | 5,848 |
| Return on Equity (ROE) | 1.1331% | 6,032 |
| Retained earnings to average equity (ytd only) | 1.1331% | 5,303 |
| Net charge-offs to loans | 0.1904% | 1,886 |
| Credit loss provision to net charge-offs | -107.5000% | 5,271 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,916 |
| Efficiency ratio | 96.6358% | 530 |
| Assets per employee ($millions) | 3.3029% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4140% | 260 |
| Loan loss allowance to noncurrent loans | 153.4834% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.6429% | 1,988 |
| Noncurrent loans to loans | 2.2243% | 1,472 |
| Net loans and leases to total assets | 64.5574% | 2,989 |
| Net loans and leases to deposits | 78.8298% | 2,686 |
| Net loans and leases to core deposits | 84.6419% | 2,671 |
| Total domestic deposits to total assets | 81.8947% | 4,682 |
| Equity capital to assets | 17.7675% | 343 |
| Core capital (leverage) ratio | 18.0486% | 298 |
| Tier 1 risk-based capital ratio | 28.8578% | 588 |
| Total risk-based capital ratio | 30.1396% | 573 |
| Memoranda: | ||
| Average total assets | $62,653,330 | 5,594 |
| Average earning assets | $59,480,000 | 5,518 |
| Average equity | $11,119,670 | 4,581 |
| Average total loans | $42,008,330 | 5,197 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6505% | 5,003 |
| Cost of funding earning assets | 0.1684% | 6,236 |
| Net interest margin | 3.4821% | 3,776 |
| Noninterest income to average assets | 0.5495% | 3,051 |
| Noninterest expense to average assets | 3.8018% | 979 |
| Loan and lease loss provision to assets | -0.2747% | 6,608 |
| Net operating income to assets | 0.1981% | 5,808 |
| Return on assets (ROA) | 0.1981% | 5,855 |
| Pretax return on assets | 0.3259% | 5,663 |
| Return on Equity (ROE) | 1.1167% | 6,012 |
| Retained earnings to average equity (ytd only) | 1.1167% | 5,158 |
| Net charge-offs to loans | 0.1427% | 1,868 |
| Credit loss provision to net charge-offs | -286.6667% | 5,035 |
| Earnings coverage of net charge-offs (x) | 0.5333% | 3,326 |
| Efficiency ratio | 98.6733% | 515 |
| Assets per employee ($millions) | 2.9550% | 5,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5224% | 264 |
| Loan loss allowance to noncurrent loans | 141.1822% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.7839% | 1,971 |
| Noncurrent loans to loans | 2.4949% | 1,387 |
| Net loans and leases to total assets | 64.3080% | 2,837 |
| Net loans and leases to deposits | 78.4968% | 2,488 |
| Net loans and leases to core deposits | 84.3468% | 2,477 |
| Total domestic deposits to total assets | 81.9244% | 4,962 |
| Equity capital to assets | 17.9209% | 329 |
| Core capital (leverage) ratio | 18.0427% | 306 |
| Tier 1 risk-based capital ratio | 29.8517% | 533 |
| Total risk-based capital ratio | 31.1354% | 524 |
| Memoranda: | ||
| Average total assets | $62,602,500 | 5,652 |
| Average earning assets | $59,389,500 | 5,576 |
| Average equity | $11,104,500 | 4,589 |
| Average total loans | $42,040,000 | 5,236 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7157% | 5,085 |
| Cost of funding earning assets | 0.2106% | 6,229 |
| Net interest margin | 3.5050% | 3,882 |
| Noninterest income to average assets | 1.1177% | 1,122 |
| Noninterest expense to average assets | 3.9763% | 895 |
| Loan and lease loss provision to assets | -0.1351% | 6,528 |
| Net operating income to assets | 0.3561% | 5,312 |
| Return on assets (ROA) | 0.3561% | 5,428 |
| Pretax return on assets | 0.5835% | 4,919 |
| Return on Equity (ROE) | 2.0423% | 5,824 |
| Retained earnings to average equity (ytd only) | 2.0423% | 4,789 |
| Net charge-offs to loans | 0.3586% | 1,883 |
| Credit loss provision to net charge-offs | -54.1401% | 5,808 |
| Earnings coverage of net charge-offs (x) | 1.7962% | 4,444 |
| Efficiency ratio | 89.8670% | 1,031 |
| Assets per employee ($millions) | 2.8704% | 6,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5467% | 277 |
| Loan loss allowance to noncurrent loans | 160.4873% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 1.4949% | 2,480 |
| Noncurrent loans to loans | 2.2099% | 1,762 |
| Net loans and leases to total assets | 65.2441% | 2,814 |
| Net loans and leases to deposits | 79.4328% | 2,531 |
| Net loans and leases to core deposits | 85.2194% | 2,543 |
| Total domestic deposits to total assets | 82.1375% | 4,826 |
| Equity capital to assets | 17.5585% | 351 |
| Core capital (leverage) ratio | 17.8160% | 307 |
| Tier 1 risk-based capital ratio | 30.8415% | 473 |
| Total risk-based capital ratio | 32.1291% | 461 |
| Memoranda: | ||
| Average total assets | $62,897,600 | 5,680 |
| Average earning assets | $59,343,000 | 5,612 |
| Average equity | $10,968,000 | 4,641 |
| Average total loans | $43,781,800 | 5,203 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 4,810 |
| Cost of funding earning assets | 0.2206% | 6,287 |
| Net interest margin | 3.5920% | 3,478 |
| Noninterest income to average assets | 0.8085% | 2,104 |
| Noninterest expense to average assets | 3.6306% | 1,351 |
| Loan and lease loss provision to assets | 0.1061% | 2,987 |
| Net operating income to assets | 0.2801% | 5,675 |
| Return on assets (ROA) | 0.2801% | 5,788 |
| Pretax return on assets | 0.4583% | 5,481 |
| Return on Equity (ROE) | 1.6091% | 6,044 |
| Retained earnings to average equity (ytd only) | 1.6091% | 5,330 |
| Net charge-offs to loans | 0.3935% | 1,630 |
| Credit loss provision to net charge-offs | 38.4615% | 3,737 |
| Earnings coverage of net charge-offs (x) | 2.0462% | 4,149 |
| Efficiency ratio | 86.5453% | 1,314 |
| Assets per employee ($millions) | 2.9726% | 5,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9489% | 249 |
| Loan loss allowance to noncurrent loans | 201.8051% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 1.4337% | 2,803 |
| Noncurrent loans to loans | 1.9568% | 2,301 |
| Net loans and leases to total assets | 65.3424% | 2,745 |
| Net loans and leases to deposits | 79.6104% | 2,464 |
| Net loans and leases to core deposits | 84.9986% | 2,542 |
| Total domestic deposits to total assets | 82.0777% | 4,902 |
| Equity capital to assets | 17.6115% | 360 |
| Core capital (leverage) ratio | 17.9172% | 306 |
| Tier 1 risk-based capital ratio | 30.4174% | 496 |
| Total risk-based capital ratio | 31.7102% | 495 |
| Memoranda: | ||
| Average total assets | $62,834,750 | 5,743 |
| Average earning assets | $59,240,750 | 5,675 |
| Average equity | $10,938,000 | 4,699 |
| Average total loans | $44,048,250 | 5,240 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 4,500 |
| Cost of funding earning assets | 0.2261% | 6,335 |
| Net interest margin | 3.6688% | 3,089 |
| Noninterest income to average assets | 0.8417% | 2,025 |
| Noninterest expense to average assets | 3.6048% | 1,409 |
| Loan and lease loss provision to assets | 0.1588% | 2,336 |
| Net operating income to assets | 0.3240% | 5,504 |
| Return on assets (ROA) | 0.3240% | 5,662 |
| Pretax return on assets | 0.5304% | 5,267 |
| Return on Equity (ROE) | 1.8682% | 5,998 |
| Retained earnings to average equity (ytd only) | 1.8682% | 5,082 |
| Net charge-offs to loans | 0.3410% | 1,816 |
| Credit loss provision to net charge-offs | 65.7895% | 2,917 |
| Earnings coverage of net charge-offs (x) | 2.8553% | 3,566 |
| Efficiency ratio | 83.9497% | 1,640 |
| Assets per employee ($millions) | 2.9466% | 5,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9593% | 263 |
| Loan loss allowance to noncurrent loans | 202.6932% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.3801% | 3,033 |
| Noncurrent loans to loans | 1.9533% | 2,451 |
| Net loans and leases to total assets | 67.8577% | 2,271 |
| Net loans and leases to deposits | 82.6555% | 1,971 |
| Net loans and leases to core deposits | 87.7201% | 2,139 |
| Total domestic deposits to total assets | 82.0970% | 5,027 |
| Equity capital to assets | 17.7284% | 344 |
| Core capital (leverage) ratio | 17.9077% | 293 |
| Tier 1 risk-based capital ratio | 30.2735% | 506 |
| Total risk-based capital ratio | 31.5685% | 501 |
| Memoranda: | ||
| Average total assets | $62,971,330 | 5,781 |
| Average earning assets | $59,257,000 | 5,716 |
| Average equity | $10,919,330 | 4,740 |
| Average total loans | $44,575,330 | 5,240 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8365% | 4,691 |
| Cost of funding earning assets | 0.2339% | 6,388 |
| Net interest margin | 3.6026% | 3,253 |
| Noninterest income to average assets | 0.9446% | 1,629 |
| Noninterest expense to average assets | 3.6525% | 1,331 |
| Loan and lease loss provision to assets | 0.2519% | 1,422 |
| Net operating income to assets | 0.2645% | 5,683 |
| Return on assets (ROA) | 0.2645% | 5,804 |
| Pretax return on assets | 0.4345% | 5,454 |
| Return on Equity (ROE) | 1.5421% | 6,077 |
| Retained earnings to average equity (ytd only) | 1.5421% | 5,215 |
| Net charge-offs to loans | 0.6488% | 945 |
| Credit loss provision to net charge-offs | 54.7945% | 2,534 |
| Earnings coverage of net charge-offs (x) | 1.4932% | 3,332 |
| Efficiency ratio | 84.1800% | 1,742 |
| Assets per employee ($millions) | 2.9220% | 6,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9061% | 311 |
| Loan loss allowance to noncurrent loans | 163.4123% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 1.7193% | 2,713 |
| Noncurrent loans to loans | 2.3903% | 2,170 |
| Net loans and leases to total assets | 69.1166% | 1,820 |
| Net loans and leases to deposits | 84.2662% | 1,563 |
| Net loans and leases to core deposits | 89.4730% | 1,758 |
| Total domestic deposits to total assets | 82.0217% | 5,181 |
| Equity capital to assets | 17.7876% | 351 |
| Core capital (leverage) ratio | 17.1246% | 342 |
| Tier 1 risk-based capital ratio | 30.0261% | 530 |
| Total risk-based capital ratio | 31.3201% | 521 |
| Memoranda: | ||
| Average total assets | $63,518,000 | 5,818 |
| Average earning assets | $59,845,500 | 5,751 |
| Average equity | $10,894,000 | 4,791 |
| Average total loans | $45,003,000 | 5,250 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 3,843 |
| Cost of funding earning assets | 0.2926% | 6,493 |
| Net interest margin | 4.0992% | 2,008 |
| Noninterest income to average assets | 1.0884% | 1,308 |
| Noninterest expense to average assets | 3.6122% | 1,581 |
| Loan and lease loss provision to assets | 0.2060% | 3,079 |
| Net operating income to assets | 0.6686% | 3,896 |
| Return on assets (ROA) | 0.6686% | 4,165 |
| Pretax return on assets | 1.1106% | 3,121 |
| Return on Equity (ROE) | 3.9570% | 5,163 |
| Retained earnings to average equity (ytd only) | 3.9570% | 3,417 |
| Net charge-offs to loans | 0.3418% | 2,926 |
| Credit loss provision to net charge-offs | 80.2469% | 3,828 |
| Earnings coverage of net charge-offs (x) | 5.1296% | 3,140 |
| Efficiency ratio | 73.2883% | 3,193 |
| Assets per employee ($millions) | 3.1273% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8304% | 321 |
| Loan loss allowance to noncurrent loans | 396.6140% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6746% | 4,794 |
| Noncurrent loans to loans | 0.9658% | 4,266 |
| Net loans and leases to total assets | 67.1707% | 2,338 |
| Net loans and leases to deposits | 80.6173% | 2,204 |
| Net loans and leases to core deposits | 83.5584% | 2,596 |
| Total domestic deposits to total assets | 83.3204% | 4,593 |
| Equity capital to assets | 16.5563% | 470 |
| Core capital (leverage) ratio | 16.8735% | 366 |
| Tier 1 risk-based capital ratio | 28.9404% | 562 |
| Total risk-based capital ratio | 30.2330% | 550 |
| Memoranda: | ||
| Average total assets | $63,118,800 | 5,852 |
| Average earning assets | $59,133,400 | 5,774 |
| Average equity | $10,664,600 | 4,824 |
| Average total loans | $47,400,200 | 5,201 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4474% | 3,843 |
| Cost of funding earning assets | 0.3103% | 6,561 |
| Net interest margin | 4.1371% | 1,946 |
| Noninterest income to average assets | 1.2377% | 976 |
| Noninterest expense to average assets | 3.7024% | 1,358 |
| Loan and lease loss provision to assets | 0.2774% | 2,353 |
| Net operating income to assets | 0.6871% | 3,969 |
| Return on assets (ROA) | 0.6871% | 4,224 |
| Pretax return on assets | 1.1267% | 3,247 |
| Return on Equity (ROE) | 4.0454% | 5,271 |
| Retained earnings to average equity (ytd only) | 4.0454% | 4,042 |
| Net charge-offs to loans | 0.4995% | 2,120 |
| Credit loss provision to net charge-offs | 72.6257% | 3,833 |
| Earnings coverage of net charge-offs (x) | 3.6760% | 3,557 |
| Efficiency ratio | 72.5031% | 3,229 |
| Assets per employee ($millions) | 3.0025% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6016% | 426 |
| Loan loss allowance to noncurrent loans | 492.9178% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 5,269 |
| Noncurrent loans to loans | 0.7307% | 4,964 |
| Net loans and leases to total assets | 73.8628% | 1,264 |
| Net loans and leases to deposits | 89.3433% | 1,220 |
| Net loans and leases to core deposits | 92.7618% | 1,702 |
| Total domestic deposits to total assets | 82.6730% | 4,766 |
| Equity capital to assets | 17.0922% | 446 |
| Core capital (leverage) ratio | 17.1620% | 360 |
| Tier 1 risk-based capital ratio | 28.0342% | 656 |
| Total risk-based capital ratio | 29.3254% | 636 |
| Memoranda: | ||
| Average total assets | $62,480,250 | 5,930 |
| Average earning assets | $58,429,000 | 5,863 |
| Average equity | $10,612,500 | 4,885 |
| Average total loans | $47,782,750 | 5,243 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 3,665 |
| Cost of funding earning assets | 0.3235% | 6,630 |
| Net interest margin | 4.2016% | 1,747 |
| Noninterest income to average assets | 1.1430% | 1,088 |
| Noninterest expense to average assets | 3.4677% | 1,862 |
| Loan and lease loss provision to assets | 0.3532% | 1,866 |
| Net operating income to assets | 0.7578% | 3,563 |
| Return on assets (ROA) | 0.7578% | 3,838 |
| Pretax return on assets | 1.2426% | 2,757 |
| Return on Equity (ROE) | 4.4707% | 5,051 |
| Retained earnings to average equity (ytd only) | 4.4707% | 3,627 |
| Net charge-offs to loans | 0.7520% | 1,468 |
| Credit loss provision to net charge-offs | 61.4525% | 3,763 |
| Earnings coverage of net charge-offs (x) | 2.7765% | 3,635 |
| Efficiency ratio | 68.4845% | 4,045 |
| Assets per employee ($millions) | 2.9423% | 6,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6329% | 451 |
| Loan loss allowance to noncurrent loans | 477.7778% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 5,116 |
| Noncurrent loans to loans | 0.7604% | 4,989 |
| Net loans and leases to total assets | 73.8412% | 1,270 |
| Net loans and leases to deposits | 89.4889% | 1,198 |
| Net loans and leases to core deposits | 93.7667% | 1,628 |
| Total domestic deposits to total assets | 82.5144% | 4,947 |
| Equity capital to assets | 17.2881% | 407 |
| Core capital (leverage) ratio | 17.2383% | 342 |
| Tier 1 risk-based capital ratio | 27.6863% | 671 |
| Total risk-based capital ratio | 28.9763% | 650 |
| Memoranda: | ||
| Average total assets | $62,289,670 | 5,967 |
| Average earning assets | $58,120,330 | 5,905 |
| Average equity | $10,557,670 | 4,901 |
| Average total loans | $47,606,330 | 5,278 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6616% | 3,208 |
| Cost of funding earning assets | 0.3438% | 6,667 |
| Net interest margin | 4.3178% | 1,414 |
| Noninterest income to average assets | 0.8890% | 1,795 |
| Noninterest expense to average assets | 3.3067% | 2,263 |
| Loan and lease loss provision to assets | 0.3198% | 1,963 |
| Net operating income to assets | 0.7803% | 3,470 |
| Return on assets (ROA) | 0.7803% | 3,710 |
| Pretax return on assets | 1.2792% | 2,615 |
| Return on Equity (ROE) | 4.6496% | 4,957 |
| Retained earnings to average equity (ytd only) | 4.6496% | 3,779 |
| Net charge-offs to loans | 1.4999% | 669 |
| Credit loss provision to net charge-offs | 27.9330% | 3,655 |
| Earnings coverage of net charge-offs (x) | 1.3966% | 3,628 |
| Efficiency ratio | 67.4055% | 4,286 |
| Assets per employee ($millions) | 2.9167% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5080% | 532 |
| Loan loss allowance to noncurrent loans | 1,229.6296% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 6,008 |
| Noncurrent loans to loans | 0.2853% | 6,105 |
| Net loans and leases to total assets | 74.5469% | 984 |
| Net loans and leases to deposits | 90.3586% | 937 |
| Net loans and leases to core deposits | 94.7067% | 1,396 |
| Total domestic deposits to total assets | 82.5012% | 5,126 |
| Equity capital to assets | 17.2457% | 397 |
| Core capital (leverage) ratio | 16.9546% | 357 |
| Tier 1 risk-based capital ratio | 27.7465% | 662 |
| Total risk-based capital ratio | 29.0353% | 641 |
| Memoranda: | ||
| Average total assets | $62,540,500 | 5,994 |
| Average earning assets | $58,177,500 | 5,932 |
| Average equity | $10,495,500 | 4,920 |
| Average total loans | $47,737,000 | 5,309 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0704% | 2,564 |
| Cost of funding earning assets | 0.5821% | 6,176 |
| Net interest margin | 4.4882% | 1,165 |
| Noninterest income to average assets | 0.6747% | 2,757 |
| Noninterest expense to average assets | 3.5338% | 1,903 |
| Loan and lease loss provision to assets | 0.7302% | 1,389 |
| Net operating income to assets | 0.3334% | 5,135 |
| Return on assets (ROA) | 0.3334% | 5,289 |
| Pretax return on assets | 0.5477% | 4,849 |
| Return on Equity (ROE) | 2.0337% | 5,649 |
| Retained earnings to average equity (ytd only) | 2.0337% | 4,764 |
| Net charge-offs to loans | 0.4885% | 3,041 |
| Credit loss provision to net charge-offs | 188.5246% | 1,359 |
| Earnings coverage of net charge-offs (x) | 3.2992% | 3,565 |
| Efficiency ratio | 73.4411% | 3,316 |
| Assets per employee ($millions) | 3.0396% | 6,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7152% | 462 |
| Loan loss allowance to noncurrent loans | 688.0769% | 535 |
| Noncurrent assets plus other real estate owned to assets | 1.2267% | 4,185 |
| Noncurrent loans to loans | 0.5399% | 5,636 |
| Net loans and leases to total assets | 72.6371% | 1,528 |
| Net loans and leases to deposits | 86.9936% | 1,528 |
| Net loans and leases to core deposits | 90.2324% | 2,094 |
| Total domestic deposits to total assets | 83.4970% | 4,542 |
| Equity capital to assets | 16.3369% | 540 |
| Core capital (leverage) ratio | 16.0386% | 459 |
| Tier 1 risk-based capital ratio | 25.9950% | 779 |
| Total risk-based capital ratio | 27.2847% | 765 |
| Memoranda: | ||
| Average total assets | $62,992,200 | 5,955 |
| Average earning assets | $58,062,800 | 5,931 |
| Average equity | $10,325,800 | 4,939 |
| Average total loans | $49,946,000 | 5,268 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1694% | 2,313 |
| Cost of funding earning assets | 0.6182% | 6,198 |
| Net interest margin | 4.5512% | 1,039 |
| Noninterest income to average assets | 0.7029% | 2,590 |
| Noninterest expense to average assets | 3.4489% | 2,074 |
| Loan and lease loss provision to assets | 0.8282% | 1,122 |
| Net operating income to assets | 0.3759% | 5,098 |
| Return on assets (ROA) | 0.3759% | 5,284 |
| Pretax return on assets | 0.6159% | 4,756 |
| Return on Equity (ROE) | 2.2911% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.2911% | 4,977 |
| Net charge-offs to loans | 0.4524% | 2,920 |
| Credit loss provision to net charge-offs | 228.0702% | 1,248 |
| Earnings coverage of net charge-offs (x) | 3.9767% | 3,229 |
| Efficiency ratio | 70.4861% | 3,859 |
| Assets per employee ($millions) | 3.0928% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5369% | 549 |
| Loan loss allowance to noncurrent loans | 1,558.2609% | 260 |
| Noncurrent assets plus other real estate owned to assets | 1.3965% | 4,033 |
| Noncurrent loans to loans | 0.2270% | 6,417 |
| Net loans and leases to total assets | 75.2510% | 1,104 |
| Net loans and leases to deposits | 89.8700% | 1,227 |
| Net loans and leases to core deposits | 93.1306% | 1,871 |
| Total domestic deposits to total assets | 83.7331% | 4,354 |
| Equity capital to assets | 16.0051% | 625 |
| Core capital (leverage) ratio | 16.4877% | 444 |
| Tier 1 risk-based capital ratio | 25.0696% | 905 |
| Total risk-based capital ratio | 26.3584% | 894 |
| Memoranda: | ||
| Average total assets | $62,782,500 | 6,011 |
| Average earning assets | $57,800,250 | 5,985 |
| Average equity | $10,300,250 | 4,966 |
| Average total loans | $50,394,000 | 5,288 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1750% | 2,363 |
| Cost of funding earning assets | 0.6517% | 6,219 |
| Net interest margin | 4.5233% | 1,075 |
| Noninterest income to average assets | 0.6735% | 2,691 |
| Noninterest expense to average assets | 3.4482% | 2,122 |
| Loan and lease loss provision to assets | 0.8379% | 1,082 |
| Net operating income to assets | 0.3287% | 5,253 |
| Return on assets (ROA) | 0.3287% | 5,387 |
| Pretax return on assets | 0.5479% | 4,911 |
| Return on Equity (ROE) | 1.9866% | 5,790 |
| Retained earnings to average equity (ytd only) | 1.9866% | 4,984 |
| Net charge-offs to loans | 0.5288% | 2,508 |
| Credit loss provision to net charge-offs | 195.4887% | 1,546 |
| Earnings coverage of net charge-offs (x) | 3.2331% | 3,256 |
| Efficiency ratio | 71.3333% | 3,872 |
| Assets per employee ($millions) | 2.9008% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3937% | 652 |
| Loan loss allowance to noncurrent loans | 582.1918% | 582 |
| Noncurrent assets plus other real estate owned to assets | 1.8336% | 3,463 |
| Noncurrent loans to loans | 0.5829% | 5,763 |
| Net loans and leases to total assets | 79.4409% | 597 |
| Net loans and leases to deposits | 95.8847% | 733 |
| Net loans and leases to core deposits | 99.6253% | 1,375 |
| Total domestic deposits to total assets | 82.8504% | 4,825 |
| Equity capital to assets | 16.9411% | 489 |
| Core capital (leverage) ratio | 16.6544% | 437 |
| Tier 1 risk-based capital ratio | 25.5278% | 849 |
| Total risk-based capital ratio | 26.8149% | 831 |
| Memoranda: | ||
| Average total assets | $62,060,670 | 6,078 |
| Average earning assets | $57,082,330 | 6,054 |
| Average equity | $10,268,670 | 4,980 |
| Average total loans | $50,303,330 | 5,343 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2640% | 1,995 |
| Cost of funding earning assets | 0.6996% | 6,142 |
| Net interest margin | 4.5645% | 929 |
| Noninterest income to average assets | 0.8047% | 2,014 |
| Noninterest expense to average assets | 3.3912% | 2,304 |
| Loan and lease loss provision to assets | 1.1176% | 649 |
| Net operating income to assets | 0.3002% | 5,398 |
| Return on assets (ROA) | 0.3002% | 5,466 |
| Pretax return on assets | 0.5045% | 5,014 |
| Return on Equity (ROE) | 1.8354% | 5,847 |
| Retained earnings to average equity (ytd only) | 1.8354% | 5,012 |
| Net charge-offs to loans | 0.5079% | 2,207 |
| Credit loss provision to net charge-offs | 273.4375% | 1,152 |
| Earnings coverage of net charge-offs (x) | 3.9688% | 2,592 |
| Efficiency ratio | 67.6433% | 4,732 |
| Assets per employee ($millions) | 2.9284% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3667% | 678 |
| Loan loss allowance to noncurrent loans | 1,247.4074% | 327 |
| Noncurrent assets plus other real estate owned to assets | 1.2440% | 4,461 |
| Noncurrent loans to loans | 0.2699% | 6,450 |
| Net loans and leases to total assets | 78.6002% | 665 |
| Net loans and leases to deposits | 94.6095% | 774 |
| Net loans and leases to core deposits | 98.2339% | 1,502 |
| Total domestic deposits to total assets | 83.0786% | 4,895 |
| Equity capital to assets | 16.6970% | 479 |
| Core capital (leverage) ratio | 16.0796% | 486 |
| Tier 1 risk-based capital ratio | 25.3220% | 846 |
| Total risk-based capital ratio | 26.6077% | 824 |
| Memoranda: | ||
| Average total assets | $62,632,500 | 6,106 |
| Average earning assets | $57,750,500 | 6,074 |
| Average equity | $10,243,000 | 4,977 |
| Average total loans | $50,408,500 | 5,380 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4983% | 2,291 |
| Cost of funding earning assets | 1.0896% | 5,188 |
| Net interest margin | 4.4087% | 1,443 |
| Noninterest income to average assets | 1.1512% | 1,117 |
| Noninterest expense to average assets | 3.3003% | 2,737 |
| Loan and lease loss provision to assets | 1.4751% | 1,011 |
| Net operating income to assets | 0.2851% | 4,977 |
| Return on assets (ROA) | 0.2851% | 5,144 |
| Pretax return on assets | 0.4633% | 4,750 |
| Return on Equity (ROE) | 1.8182% | 5,462 |
| Retained earnings to average equity (ytd only) | 1.8182% | 4,592 |
| Net charge-offs to loans | 0.6081% | 3,211 |
| Credit loss provision to net charge-offs | 297.5000% | 901 |
| Earnings coverage of net charge-offs (x) | 3.9094% | 3,137 |
| Efficiency ratio | 62.9991% | 5,512 |
| Assets per employee ($millions) | 3.0366% | 6,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0966% | 805 |
| Loan loss allowance to noncurrent loans | 339.0086% | 917 |
| Noncurrent assets plus other real estate owned to assets | 1.6168% | 3,891 |
| Noncurrent loans to loans | 0.9134% | 5,227 |
| Net loans and leases to total assets | 77.1911% | 1,061 |
| Net loans and leases to deposits | 92.3961% | 1,222 |
| Net loans and leases to core deposits | 96.4439% | 1,950 |
| Total domestic deposits to total assets | 83.5437% | 4,582 |
| Equity capital to assets | 16.0235% | 577 |
| Core capital (leverage) ratio | 15.6120% | 557 |
| Tier 1 risk-based capital ratio | 24.4981% | 889 |
| Total risk-based capital ratio | 25.7799% | 872 |
| Memoranda: | ||
| Average total assets | $64,539,200 | 6,046 |
| Average earning assets | $59,836,600 | 6,002 |
| Average equity | $10,119,800 | 5,099 |
| Average total loans | $52,619,600 | 5,373 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6226% | 1,981 |
| Cost of funding earning assets | 1.1494% | 5,153 |
| Net interest margin | 4.4732% | 1,320 |
| Noninterest income to average assets | 0.9516% | 1,617 |
| Noninterest expense to average assets | 3.2194% | 2,861 |
| Loan and lease loss provision to assets | 1.3594% | 999 |
| Net operating income to assets | 0.3151% | 5,109 |
| Return on assets (ROA) | 0.3151% | 5,281 |
| Pretax return on assets | 0.5252% | 4,835 |
| Return on Equity (ROE) | 2.0207% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.0207% | 4,946 |
| Net charge-offs to loans | 0.7009% | 2,663 |
| Credit loss provision to net charge-offs | 236.5591% | 1,424 |
| Earnings coverage of net charge-offs (x) | 3.2796% | 3,508 |
| Efficiency ratio | 63.0751% | 5,422 |
| Assets per employee ($millions) | 3.0598% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5535% | 1,266 |
| Loan loss allowance to noncurrent loans | 1,024.8062% | 362 |
| Noncurrent assets plus other real estate owned to assets | 1.1454% | 4,823 |
| Noncurrent loans to loans | 0.2492% | 6,679 |
| Net loans and leases to total assets | 78.5153% | 953 |
| Net loans and leases to deposits | 93.8029% | 1,225 |
| Net loans and leases to core deposits | 97.8415% | 2,061 |
| Total domestic deposits to total assets | 83.7024% | 4,270 |
| Equity capital to assets | 15.8680% | 705 |
| Core capital (leverage) ratio | 15.8462% | 584 |
| Tier 1 risk-based capital ratio | 25.1428% | 854 |
| Total risk-based capital ratio | 26.4171% | 833 |
| Memoranda: | ||
| Average total assets | $64,731,750 | 6,115 |
| Average earning assets | $60,089,250 | 6,062 |
| Average equity | $10,095,250 | 5,163 |
| Average total loans | $53,075,250 | 5,434 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5627% | 2,280 |
| Cost of funding earning assets | 1.2141% | 5,048 |
| Net interest margin | 4.3487% | 1,597 |
| Noninterest income to average assets | 0.8568% | 1,851 |
| Noninterest expense to average assets | 3.2300% | 2,797 |
| Loan and lease loss provision to assets | 1.2945% | 1,065 |
| Net operating income to assets | 0.2250% | 5,480 |
| Return on assets (ROA) | 0.2250% | 5,613 |
| Pretax return on assets | 0.3729% | 5,299 |
| Return on Equity (ROE) | 1.4511% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.4511% | 5,149 |
| Net charge-offs to loans | 0.8783% | 2,076 |
| Credit loss provision to net charge-offs | 178.7234% | 2,190 |
| Earnings coverage of net charge-offs (x) | 2.3021% | 3,849 |
| Efficiency ratio | 65.9534% | 4,989 |
| Assets per employee ($millions) | 2.7772% | 6,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1339% | 1,898 |
| Loan loss allowance to noncurrent loans | 459.5918% | 698 |
| Noncurrent assets plus other real estate owned to assets | 1.2634% | 4,618 |
| Noncurrent loans to loans | 0.4643% | 6,326 |
| Net loans and leases to total assets | 80.8485% | 686 |
| Net loans and leases to deposits | 96.3740% | 1,014 |
| Net loans and leases to core deposits | 100.5178% | 1,963 |
| Total domestic deposits to total assets | 83.8904% | 4,154 |
| Equity capital to assets | 15.8262% | 701 |
| Core capital (leverage) ratio | 15.4506% | 643 |
| Tier 1 risk-based capital ratio | 24.8855% | 852 |
| Total risk-based capital ratio | 26.1553% | 835 |
| Memoranda: | ||
| Average total assets | $64,890,670 | 6,145 |
| Average earning assets | $60,294,000 | 6,091 |
| Average equity | $10,061,670 | 5,176 |
| Average total loans | $53,509,670 | 5,445 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5803% | 2,244 |
| Cost of funding earning assets | 1.2867% | 4,893 |
| Net interest margin | 4.2935% | 1,706 |
| Noninterest income to average assets | 0.9358% | 1,499 |
| Noninterest expense to average assets | 3.1316% | 3,131 |
| Loan and lease loss provision to assets | 1.4679% | 804 |
| Net operating income to assets | 0.2018% | 5,681 |
| Return on assets (ROA) | 0.2018% | 5,797 |
| Pretax return on assets | 0.3364% | 5,499 |
| Return on Equity (ROE) | 1.3150% | 6,025 |
| Retained earnings to average equity (ytd only) | 1.3150% | 5,285 |
| Net charge-offs to loans | 0.2970% | 3,226 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 7.3750% | 2,097 |
| Efficiency ratio | 63.4449% | 5,595 |
| Assets per employee ($millions) | 2.7793% | 6,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1326% | 1,885 |
| Loan loss allowance to noncurrent loans | 687.3494% | 466 |
| Noncurrent assets plus other real estate owned to assets | 1.1076% | 4,937 |
| Noncurrent loans to loans | 0.3103% | 6,703 |
| Net loans and leases to total assets | 81.9145% | 605 |
| Net loans and leases to deposits | 97.4667% | 959 |
| Net loans and leases to core deposits | 102.1179% | 1,885 |
| Total domestic deposits to total assets | 84.0436% | 4,124 |
| Equity capital to assets | 15.7312% | 716 |
| Core capital (leverage) ratio | 15.3330% | 682 |
| Tier 1 risk-based capital ratio | 24.0670% | 958 |
| Total risk-based capital ratio | 25.3369% | 939 |
| Memoranda: | ||
| Average total assets | $65,398,500 | 6,194 |
| Average earning assets | $60,929,000 | 6,134 |
| Average equity | $10,038,000 | 5,227 |
| Average total loans | $53,880,500 | 5,497 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7740% | 2,767 |
| Cost of funding earning assets | 1.6267% | 4,907 |
| Net interest margin | 4.1474% | 2,258 |
| Noninterest income to average assets | 1.4072% | 739 |
| Noninterest expense to average assets | 3.1200% | 3,647 |
| Loan and lease loss provision to assets | 1.5190% | 1,517 |
| Net operating income to assets | 0.3891% | 4,167 |
| Return on assets (ROA) | 0.3891% | 4,270 |
| Pretax return on assets | 0.6753% | 3,664 |
| Return on Equity (ROE) | 2.6227% | 4,651 |
| Retained earnings to average equity (ytd only) | 2.6227% | 3,309 |
| Net charge-offs to loans | 1.1586% | 2,112 |
| Credit loss provision to net charge-offs | 158.7227% | 2,823 |
| Earnings coverage of net charge-offs (x) | 2.2928% | 4,009 |
| Efficiency ratio | 58.7097% | 6,663 |
| Assets per employee ($millions) | 2.9075% | 6,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 2,770 |
| Loan loss allowance to noncurrent loans | 101.6199% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.4685% | 4,192 |
| Noncurrent loans to loans | 1.7067% | 4,081 |
| Net loans and leases to total assets | 79.7272% | 1,042 |
| Net loans and leases to deposits | 94.2045% | 1,568 |
| Net loans and leases to core deposits | 111.0472% | 2,794 |
| Total domestic deposits to total assets | 84.6321% | 3,737 |
| Equity capital to assets | 14.9836% | 913 |
| Core capital (leverage) ratio | 14.9373% | 801 |
| Tier 1 risk-based capital ratio | 23.8695% | 960 |
| Total risk-based capital ratio | 25.1333% | 940 |
| Memoranda: | ||
| Average total assets | $67,083,200 | 6,107 |
| Average earning assets | $63,196,600 | 6,027 |
| Average equity | $9,951,400 | 5,306 |
| Average total loans | $55,411,600 | 5,442 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8269% | 2,769 |
| Cost of funding earning assets | 1.6883% | 4,960 |
| Net interest margin | 4.1386% | 2,254 |
| Noninterest income to average assets | 1.6146% | 565 |
| Noninterest expense to average assets | 3.0862% | 3,695 |
| Loan and lease loss provision to assets | 1.3306% | 1,452 |
| Net operating income to assets | 0.6613% | 3,346 |
| Return on assets (ROA) | 0.6613% | 3,410 |
| Pretax return on assets | 1.1022% | 2,558 |
| Return on Equity (ROE) | 4.4693% | 4,177 |
| Retained earnings to average equity (ytd only) | 4.4693% | 2,777 |
| Net charge-offs to loans | 0.3040% | 4,128 |
| Credit loss provision to net charge-offs | 527.5591% | 744 |
| Earnings coverage of net charge-offs (x) | 9.6456% | 2,077 |
| Efficiency ratio | 55.9194% | 7,012 |
| Assets per employee ($millions) | 2.9017% | 6,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0312% | 1,728 |
| Loan loss allowance to noncurrent loans | 234.5339% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 5,490 |
| Noncurrent loans to loans | 0.8661% | 5,560 |
| Net loans and leases to total assets | 80.0024% | 1,167 |
| Net loans and leases to deposits | 94.6080% | 1,776 |
| Net loans and leases to core deposits | 112.2317% | 2,999 |
| Total domestic deposits to total assets | 84.5620% | 3,448 |
| Equity capital to assets | 15.1143% | 971 |
| Core capital (leverage) ratio | 15.2062% | 818 |
| Tier 1 risk-based capital ratio | 24.0493% | 996 |
| Total risk-based capital ratio | 25.3169% | 972 |
| Memoranda: | ||
| Average total assets | $67,135,750 | 6,146 |
| Average earning assets | $63,336,500 | 6,061 |
| Average equity | $9,934,250 | 5,351 |
| Average total loans | $55,700,250 | 5,468 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9689% | 2,307 |
| Cost of funding earning assets | 1.7504% | 5,008 |
| Net interest margin | 4.2185% | 1,924 |
| Noninterest income to average assets | 1.8790% | 416 |
| Noninterest expense to average assets | 3.1099% | 3,658 |
| Loan and lease loss provision to assets | 1.1655% | 1,476 |
| Net operating income to assets | 0.9514% | 2,274 |
| Return on assets (ROA) | 0.9514% | 2,367 |
| Pretax return on assets | 1.5877% | 1,233 |
| Return on Equity (ROE) | 6.4756% | 3,449 |
| Retained earnings to average equity (ytd only) | 6.4756% | 1,808 |
| Net charge-offs to loans | 0.0428% | 5,865 |
| Credit loss provision to net charge-offs | 3,266.6667% | 148 |
| Earnings coverage of net charge-offs (x) | 77.1667% | 498 |
| Efficiency ratio | 53.0426% | 7,429 |
| Assets per employee ($millions) | 2.8524% | 6,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 2,402 |
| Loan loss allowance to noncurrent loans | 144.1221% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 1.2011% | 4,536 |
| Noncurrent loans to loans | 1.1681% | 4,882 |
| Net loans and leases to total assets | 84.0335% | 633 |
| Net loans and leases to deposits | 99.6043% | 1,328 |
| Net loans and leases to core deposits | 121.5410% | 2,237 |
| Total domestic deposits to total assets | 84.3673% | 3,567 |
| Equity capital to assets | 15.3492% | 959 |
| Core capital (leverage) ratio | 14.9450% | 936 |
| Tier 1 risk-based capital ratio | 23.2964% | 1,108 |
| Total risk-based capital ratio | 24.5590% | 1,082 |
| Memoranda: | ||
| Average total assets | $67,268,330 | 6,183 |
| Average earning assets | $63,529,330 | 6,095 |
| Average equity | $9,883,330 | 5,392 |
| Average total loans | $56,100,670 | 5,500 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0353% | 2,216 |
| Cost of funding earning assets | 1.8317% | 4,965 |
| Net interest margin | 4.2036% | 1,885 |
| Noninterest income to average assets | 1.7210% | 458 |
| Noninterest expense to average assets | 2.8781% | 4,238 |
| Loan and lease loss provision to assets | 1.2335% | 1,050 |
| Net operating income to assets | 0.9515% | 2,509 |
| Return on assets (ROA) | 0.9515% | 2,637 |
| Pretax return on assets | 1.5859% | 1,443 |
| Return on Equity (ROE) | 6.6190% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.6190% | 2,369 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5155% | 7,549 |
| Assets per employee ($millions) | 2.8627% | 6,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 3,514 |
| Loan loss allowance to noncurrent loans | 131.8569% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.9690% | 4,773 |
| Noncurrent loans to loans | 1.0602% | 4,867 |
| Net loans and leases to total assets | 82.9164% | 863 |
| Net loans and leases to deposits | 98.0848% | 1,651 |
| Net loans and leases to core deposits | 119.9082% | 2,422 |
| Total domestic deposits to total assets | 84.5355% | 3,445 |
| Equity capital to assets | 15.0241% | 1,099 |
| Core capital (leverage) ratio | 14.5017% | 1,085 |
| Tier 1 risk-based capital ratio | 22.8341% | 1,211 |
| Total risk-based capital ratio | 24.0921% | 1,181 |
| Memoranda: | ||
| Average total assets | $68,099,500 | 6,173 |
| Average earning assets | $64,421,500 | 6,090 |
| Average equity | $9,790,000 | 5,452 |
| Average total loans | $56,113,500 | 5,537 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4173% | 3,322 |
| Cost of funding earning assets | 2.5527% | 3,944 |
| Net interest margin | 3.8646% | 3,727 |
| Noninterest income to average assets | 0.4669% | 4,909 |
| Noninterest expense to average assets | 2.8342% | 4,676 |
| Loan and lease loss provision to assets | 1.0439% | 1,406 |
| Net operating income to assets | 0.0996% | 6,113 |
| Return on assets (ROA) | 0.0996% | 5,958 |
| Pretax return on assets | 0.1413% | 5,857 |
| Return on Equity (ROE) | 0.6875% | 6,014 |
| Retained earnings to average equity (ytd only) | 0.6875% | 4,817 |
| Net charge-offs to loans | 1.4575% | 799 |
| Credit loss provision to net charge-offs | 86.5598% | 5,749 |
| Earnings coverage of net charge-offs (x) | 0.9827% | 5,640 |
| Efficiency ratio | 70.5142% | 4,244 |
| Assets per employee ($millions) | 3.0590% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 6,131 |
| Loan loss allowance to noncurrent loans | 66.5880% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.4057% | 3,390 |
| Noncurrent loans to loans | 1.4896% | 3,567 |
| Net loans and leases to total assets | 80.0136% | 1,657 |
| Net loans and leases to deposits | 93.2841% | 2,906 |
| Net loans and leases to core deposits | 110.2309% | 3,754 |
| Total domestic deposits to total assets | 85.7742% | 2,507 |
| Equity capital to assets | 13.7696% | 1,508 |
| Core capital (leverage) ratio | 14.4043% | 1,164 |
| Tier 1 risk-based capital ratio | 21.1757% | 1,439 |
| Total risk-based capital ratio | 22.4252% | 1,406 |
| Memoranda: | ||
| Average total assets | $67,250,800 | 6,116 |
| Average earning assets | $61,817,400 | 6,094 |
| Average equity | $9,745,200 | 5,495 |
| Average total loans | $55,643,800 | 5,463 |