Home > Tecumseh Federal Bank > Performance and Condition Ratios
Tecumseh Federal 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 | 3.7130% | 4,267 |
| Cost of funding earning assets | 1.2869% | 2,560 |
| Net interest margin | 2.4261% | 4,164 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 3.3053% | 731 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.0895% | 4,424 |
| Return on assets (ROA) | -0.0879% | 4,407 |
| Pretax return on assets | -0.1641% | 4,419 |
| Return on Equity (ROE) | -0.4400% | 4,366 |
| Retained earnings to average equity (ytd only) | -0.4368% | 4,134 |
| Net charge-offs to loans | -0.0076% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 105.2894% | 141 |
| Assets per employee ($millions) | 5.7694% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 1,926 |
| Loan loss allowance to noncurrent loans | 441.2500% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 2,495 |
| Noncurrent loans to loans | 0.2876% | 2,146 |
| Net loans and leases to total assets | 52.8900% | 3,421 |
| Net loans and leases to deposits | 79.0290% | 2,184 |
| Net loans and leases to core deposits | 87.4693% | 2,213 |
| Total domestic deposits to total assets | 66.9200% | 4,357 |
| Equity capital to assets | 20.1425% | 279 |
| Core capital (leverage) ratio | 22.2575% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $51,190,000 | 4,309 |
| Average earning assets | $46,700,200 | 4,287 |
| Average equity | $10,302,000 | 3,686 |
| Average total loans | $26,282,600 | 4,197 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 4,206 |
| Cost of funding earning assets | 1.2089% | 2,403 |
| Net interest margin | 2.4981% | 4,146 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 3.3119% | 710 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0754% | 4,464 |
| Return on assets (ROA) | -0.0836% | 4,452 |
| Pretax return on assets | -0.1516% | 4,463 |
| Return on Equity (ROE) | -0.4200% | 4,409 |
| Retained earnings to average equity (ytd only) | -0.4157% | 4,200 |
| Net charge-offs to loans | -0.0154% | 4,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 104.4518% | 132 |
| Assets per employee ($millions) | 5.6120% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 1,735 |
| Loan loss allowance to noncurrent loans | 340.3846% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 2,235 |
| Noncurrent loans to loans | 0.3911% | 1,854 |
| Net loans and leases to total assets | 51.9500% | 3,500 |
| Net loans and leases to deposits | 77.2105% | 2,312 |
| Net loans and leases to core deposits | 86.3442% | 2,168 |
| Total domestic deposits to total assets | 67.2900% | 4,381 |
| Equity capital to assets | 20.1572% | 283 |
| Core capital (leverage) ratio | 22.1712% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $51,006,250 | 4,329 |
| Average earning assets | $46,541,500 | 4,305 |
| Average equity | $10,262,750 | 3,695 |
| Average total loans | $25,899,750 | 4,220 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6840% | 4,155 |
| Cost of funding earning assets | 1.0055% | 2,589 |
| Net interest margin | 2.6785% | 4,003 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 3.2596% | 732 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0274% | 4,403 |
| Return on assets (ROA) | 0.0274% | 4,435 |
| Pretax return on assets | -0.0039% | 4,461 |
| Return on Equity (ROE) | 0.1400% | 4,425 |
| Retained earnings to average equity (ytd only) | 0.1361% | 4,043 |
| Net charge-offs to loans | -0.0156% | 4,056 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 100.1200% | 171 |
| Assets per employee ($millions) | 5.7312% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 1,693 |
| Loan loss allowance to noncurrent loans | 425.3012% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 2,428 |
| Noncurrent loans to loans | 0.3184% | 2,003 |
| Net loans and leases to total assets | 49.8500% | 3,572 |
| Net loans and leases to deposits | 72.2499% | 2,631 |
| Net loans and leases to core deposits | 80.3431% | 2,443 |
| Total domestic deposits to total assets | 69.0000% | 4,381 |
| Equity capital to assets | 19.9298% | 284 |
| Core capital (leverage) ratio | 21.8843% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $51,172,333 | 4,347 |
| Average earning assets | $46,743,000 | 4,324 |
| Average equity | $10,290,000 | 3,707 |
| Average total loans | $25,668,333 | 4,236 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 4,108 |
| Cost of funding earning assets | 0.8490% | 2,539 |
| Net interest margin | 2.7956% | 3,950 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 3.2569% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0706% | 4,444 |
| Return on assets (ROA) | 0.0863% | 4,415 |
| Pretax return on assets | 0.0628% | 4,425 |
| Return on Equity (ROE) | 0.4300% | 4,422 |
| Retained earnings to average equity (ytd only) | 0.4274% | 3,955 |
| Net charge-offs to loans | -0.0157% | 4,016 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 98.5748% | 194 |
| Assets per employee ($millions) | 5.7934% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 1,710 |
| Loan loss allowance to noncurrent loans | 414.1176% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 2,368 |
| Noncurrent loans to loans | 0.3325% | 1,966 |
| Net loans and leases to total assets | 48.3500% | 3,606 |
| Net loans and leases to deposits | 68.8232% | 2,710 |
| Net loans and leases to core deposits | 74.7665% | 2,620 |
| Total domestic deposits to total assets | 70.2600% | 4,412 |
| Equity capital to assets | 19.8232% | 239 |
| Core capital (leverage) ratio | 21.7423% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $50,968,000 | 4,408 |
| Average earning assets | $46,645,000 | 4,384 |
| Average equity | $10,295,000 | 3,749 |
| Average total loans | $25,469,500 | 4,297 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2730% | 3,656 |
| Cost of funding earning assets | 0.4199% | 1,942 |
| Net interest margin | 2.8531% | 3,786 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 3.2862% | 637 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2282% | 4,430 |
| Return on assets (ROA) | 0.2018% | 4,427 |
| Pretax return on assets | 0.2275% | 4,423 |
| Return on Equity (ROE) | 0.9700% | 4,494 |
| Retained earnings to average equity (ytd only) | 0.9745% | 4,209 |
| Net charge-offs to loans | 0.0121% | 1,936 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 43.3333% | 1,454 |
| Efficiency ratio | 92.7415% | 248 |
| Assets per employee ($millions) | 4.9795% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 1,560 |
| Loan loss allowance to noncurrent loans | 179.0816% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 1,296 |
| Noncurrent loans to loans | 0.7724% | 967 |
| Net loans and leases to total assets | 50.2500% | 3,487 |
| Net loans and leases to deposits | 70.8293% | 2,508 |
| Net loans and leases to core deposits | 75.1471% | 2,488 |
| Total domestic deposits to total assets | 70.9500% | 4,449 |
| Equity capital to assets | 20.5924% | 211 |
| Core capital (leverage) ratio | 22.5424% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $50,544,200 | 4,434 |
| Average earning assets | $46,196,000 | 4,415 |
| Average equity | $10,467,400 | 3,814 |
| Average total loans | $24,723,000 | 4,335 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2220% | 3,383 |
| Cost of funding earning assets | 0.3851% | 1,399 |
| Net interest margin | 2.8369% | 3,659 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 3.2642% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1973% | 4,477 |
| Return on assets (ROA) | 0.1603% | 4,473 |
| Pretax return on assets | 0.1813% | 4,476 |
| Return on Equity (ROE) | 0.7700% | 4,516 |
| Retained earnings to average equity (ytd only) | 0.7731% | 4,251 |
| Net charge-offs to loans | 0.0380% | 1,117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 12.1429% | 1,926 |
| Efficiency ratio | 93.5946% | 240 |
| Assets per employee ($millions) | 5.4669% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 1,634 |
| Loan loss allowance to noncurrent loans | 377.1739% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,353 |
| Noncurrent loans to loans | 0.3689% | 1,916 |
| Net loans and leases to total assets | 49.9800% | 3,463 |
| Net loans and leases to deposits | 66.7173% | 2,656 |
| Net loans and leases to core deposits | 70.6244% | 2,592 |
| Total domestic deposits to total assets | 74.9100% | 4,416 |
| Equity capital to assets | 20.5683% | 207 |
| Core capital (leverage) ratio | 22.4884% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $50,731,500 | 4,467 |
| Average earning assets | $46,387,750 | 4,445 |
| Average equity | $10,520,750 | 3,860 |
| Average total loans | $24,560,000 | 4,369 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1538% | 3,182 |
| Cost of funding earning assets | 0.3884% | 998 |
| Net interest margin | 2.7654% | 3,536 |
| Noninterest income to average assets | 0.8509% | 939 |
| Noninterest expense to average assets | 3.2201% | 608 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1393% | 4,483 |
| Return on assets (ROA) | 0.1054% | 4,474 |
| Pretax return on assets | 0.1210% | 4,471 |
| Return on Equity (ROE) | 0.5068% | 4,516 |
| Retained earnings to average equity (ytd only) | 0.5068% | 4,092 |
| Net charge-offs to loans | 0.0737% | 723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 4.5556% | 1,951 |
| Efficiency ratio | 95.2656% | 256 |
| Assets per employee ($millions) | 5.6213% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 1,750 |
| Loan loss allowance to noncurrent loans | 352.0408% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 2,371 |
| Noncurrent loans to loans | 0.3975% | 1,937 |
| Net loans and leases to total assets | 48.0491% | 3,550 |
| Net loans and leases to deposits | 63.6928% | 2,749 |
| Net loans and leases to core deposits | 67.2839% | 2,716 |
| Total domestic deposits to total assets | 75.4388% | 4,487 |
| Equity capital to assets | 20.2186% | 162 |
| Core capital (leverage) ratio | 22.0978% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,241,333 | 4,500 |
| Average earning assets | $46,864,667 | 4,494 |
| Average equity | $10,654,333 | 3,918 |
| Average total loans | $24,434,333 | 4,420 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1023% | 2,978 |
| Cost of funding earning assets | 0.4311% | 720 |
| Net interest margin | 2.6712% | 3,470 |
| Noninterest income to average assets | 0.8843% | 858 |
| Noninterest expense to average assets | 3.1261% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1797% | 4,358 |
| Return on assets (ROA) | 0.1396% | 4,389 |
| Pretax return on assets | 0.1629% | 4,371 |
| Return on Equity (ROE) | 0.6626% | 4,468 |
| Retained earnings to average equity (ytd only) | 0.6626% | 3,886 |
| Net charge-offs to loans | 0.1644% | 361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2.7000% | 1,697 |
| Efficiency ratio | 93.7209% | 393 |
| Assets per employee ($millions) | 5.6599% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 1,745 |
| Loan loss allowance to noncurrent loans | 352.0408% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,480 |
| Noncurrent loans to loans | 0.4101% | 2,023 |
| Net loans and leases to total assets | 46.2377% | 3,556 |
| Net loans and leases to deposits | 60.1394% | 2,894 |
| Net loans and leases to core deposits | 63.4373% | 2,844 |
| Total domestic deposits to total assets | 76.8841% | 4,469 |
| Equity capital to assets | 20.8622% | 143 |
| Core capital (leverage) ratio | 21.5742% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,566,000 | 4,522 |
| Average earning assets | $47,319,000 | 4,511 |
| Average equity | $10,867,000 | 3,963 |
| Average total loans | $24,324,500 | 4,440 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3299% | 3,114 |
| Cost of funding earning assets | 0.5283% | 795 |
| Net interest margin | 2.8015% | 3,662 |
| Noninterest income to average assets | 1.6081% | 434 |
| Noninterest expense to average assets | 3.2004% | 728 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9663% | 2,814 |
| Return on assets (ROA) | 0.9625% | 2,894 |
| Pretax return on assets | 1.0080% | 3,242 |
| Return on Equity (ROE) | 4.4183% | 4,121 |
| Retained earnings to average equity (ytd only) | 4.4183% | 3,047 |
| Net charge-offs to loans | 0.1974% | 492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 10.2200% | 2,217 |
| Efficiency ratio | 75.9756% | 1,108 |
| Assets per employee ($millions) | 5.7992% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 1,803 |
| Loan loss allowance to noncurrent loans | 112.0253% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 1,088 |
| Noncurrent loans to loans | 1.2767% | 748 |
| Net loans and leases to total assets | 46.7438% | 3,628 |
| Net loans and leases to deposits | 61.6569% | 2,916 |
| Net loans and leases to core deposits | 65.5587% | 2,857 |
| Total domestic deposits to total assets | 75.8128% | 4,519 |
| Equity capital to assets | 21.2806% | 144 |
| Core capital (leverage) ratio | 21.6147% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,493,600 | 4,555 |
| Average earning assets | $46,938,600 | 4,541 |
| Average equity | $10,999,800 | 4,036 |
| Average total loans | $25,333,600 | 4,468 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3821% | 3,150 |
| Cost of funding earning assets | 0.5456% | 854 |
| Net interest margin | 2.8365% | 3,694 |
| Noninterest income to average assets | 1.8428% | 385 |
| Noninterest expense to average assets | 3.2328% | 677 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2132% | 2,124 |
| Return on assets (ROA) | 1.1770% | 2,300 |
| Pretax return on assets | 1.2170% | 2,877 |
| Return on Equity (ROE) | 5.3706% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.3706% | 3,077 |
| Net charge-offs to loans | 0.2669% | 308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 9.2353% | 2,084 |
| Efficiency ratio | 72.0475% | 1,397 |
| Assets per employee ($millions) | 5.6130% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 2,004 |
| Loan loss allowance to noncurrent loans | 121.3058% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 1,336 |
| Noncurrent loans to loans | 1.1587% | 963 |
| Net loans and leases to total assets | 49.0172% | 3,524 |
| Net loans and leases to deposits | 65.5582% | 2,669 |
| Net loans and leases to core deposits | 69.3691% | 2,648 |
| Total domestic deposits to total assets | 74.7689% | 4,612 |
| Equity capital to assets | 22.1668% | 131 |
| Core capital (leverage) ratio | 21.9903% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,068,750 | 4,623 |
| Average earning assets | $46,676,000 | 4,608 |
| Average equity | $10,973,000 | 4,092 |
| Average total loans | $25,479,250 | 4,521 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4688% | 2,980 |
| Cost of funding earning assets | 0.5702% | 868 |
| Net interest margin | 2.8986% | 3,578 |
| Noninterest income to average assets | 2.3278% | 272 |
| Noninterest expense to average assets | 3.3414% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8269% | 671 |
| Return on assets (ROA) | 1.8189% | 720 |
| Pretax return on assets | 1.6667% | 1,572 |
| Return on Equity (ROE) | 8.3318% | 3,306 |
| Retained earnings to average equity (ytd only) | 8.3318% | 1,967 |
| Net charge-offs to loans | 0.3750% | 226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 8.7083% | 1,867 |
| Efficiency ratio | 66.6134% | 2,067 |
| Assets per employee ($millions) | 5.6639% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 1,753 |
| Loan loss allowance to noncurrent loans | 395.5556% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 3,082 |
| Noncurrent loans to loans | 0.3675% | 2,586 |
| Net loans and leases to total assets | 47.3389% | 3,792 |
| Net loans and leases to deposits | 63.0464% | 3,100 |
| Net loans and leases to core deposits | 67.1481% | 3,024 |
| Total domestic deposits to total assets | 75.0858% | 4,613 |
| Equity capital to assets | 21.8931% | 129 |
| Core capital (leverage) ratio | 22.1962% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,919,333 | 4,654 |
| Average earning assets | $46,298,333 | 4,637 |
| Average equity | $10,898,000 | 4,111 |
| Average total loans | $25,600,667 | 4,555 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 2,536 |
| Cost of funding earning assets | 0.5882% | 922 |
| Net interest margin | 3.0463% | 3,142 |
| Noninterest income to average assets | 0.7532% | 1,697 |
| Noninterest expense to average assets | 3.5391% | 442 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0567% | 4,751 |
| Return on assets (ROA) | 0.0324% | 4,769 |
| Pretax return on assets | 0.0000% | 4,785 |
| Return on Equity (ROE) | 0.1486% | 4,777 |
| Retained earnings to average equity (ytd only) | 0.1486% | 4,351 |
| Net charge-offs to loans | -0.0459% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3182% | 199 |
| Assets per employee ($millions) | 5.0037% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 1,286 |
| Loan loss allowance to noncurrent loans | 462.5000% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 3,291 |
| Noncurrent loans to loans | 0.3468% | 2,852 |
| Net loans and leases to total assets | 49.8951% | 3,635 |
| Net loans and leases to deposits | 66.0424% | 2,913 |
| Net loans and leases to core deposits | 70.3902% | 2,836 |
| Total domestic deposits to total assets | 75.5501% | 4,606 |
| Equity capital to assets | 21.4221% | 138 |
| Core capital (leverage) ratio | 21.3200% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,391,500 | 4,680 |
| Average earning assets | $45,563,500 | 4,667 |
| Average equity | $10,767,000 | 4,138 |
| Average total loans | $26,157,500 | 4,569 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 2,292 |
| Cost of funding earning assets | 0.8223% | 1,120 |
| Net interest margin | 3.3240% | 3,007 |
| Noninterest income to average assets | 0.8590% | 1,378 |
| Noninterest expense to average assets | 3.5412% | 654 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3350% | 4,385 |
| Return on assets (ROA) | 0.3537% | 4,408 |
| Pretax return on assets | 0.4204% | 4,386 |
| Return on Equity (ROE) | 1.6370% | 4,605 |
| Retained earnings to average equity (ytd only) | 1.6370% | 3,979 |
| Net charge-offs to loans | -0.0428% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8923% | 382 |
| Assets per employee ($millions) | 4.4315% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 1,587 |
| Loan loss allowance to noncurrent loans | 269.3333% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 2,765 |
| Noncurrent loans to loans | 0.5568% | 2,313 |
| Net loans and leases to total assets | 54.4414% | 3,453 |
| Net loans and leases to deposits | 72.8506% | 2,604 |
| Net loans and leases to core deposits | 77.2262% | 2,619 |
| Total domestic deposits to total assets | 74.7302% | 4,593 |
| Equity capital to assets | 22.1864% | 131 |
| Core capital (leverage) ratio | 22.0039% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,474,800 | 4,660 |
| Average earning assets | $45,847,800 | 4,655 |
| Average equity | $10,690,000 | 4,122 |
| Average total loans | $28,012,000 | 4,556 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 2,354 |
| Cost of funding earning assets | 0.8725% | 1,164 |
| Net interest margin | 3.3428% | 3,063 |
| Noninterest income to average assets | 0.8082% | 1,464 |
| Noninterest expense to average assets | 3.5147% | 695 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3342% | 4,385 |
| Return on assets (ROA) | 0.3410% | 4,432 |
| Pretax return on assets | 0.4081% | 4,422 |
| Return on Equity (ROE) | 1.5886% | 4,611 |
| Retained earnings to average equity (ytd only) | 1.5886% | 4,059 |
| Net charge-offs to loans | -0.0519% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7805% | 370 |
| Assets per employee ($millions) | 4.3485% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 1,616 |
| Loan loss allowance to noncurrent loans | 395.0980% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 3,378 |
| Noncurrent loans to loans | 0.3614% | 2,988 |
| Net loans and leases to total assets | 58.1532% | 3,402 |
| Net loans and leases to deposits | 78.4528% | 2,488 |
| Net loans and leases to core deposits | 83.3643% | 2,540 |
| Total domestic deposits to total assets | 74.1251% | 4,562 |
| Equity capital to assets | 22.5342% | 135 |
| Core capital (leverage) ratio | 21.8502% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,657,000 | 4,680 |
| Average earning assets | $46,148,250 | 4,667 |
| Average equity | $10,658,750 | 4,134 |
| Average total loans | $28,279,500 | 4,567 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 2,674 |
| Cost of funding earning assets | 0.9318% | 1,234 |
| Net interest margin | 3.2954% | 3,401 |
| Noninterest income to average assets | 0.7679% | 1,531 |
| Noninterest expense to average assets | 3.4855% | 760 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3043% | 4,413 |
| Return on assets (ROA) | 0.2905% | 4,472 |
| Pretax return on assets | 0.3342% | 4,492 |
| Return on Equity (ROE) | 1.3749% | 4,639 |
| Retained earnings to average equity (ytd only) | 1.3749% | 3,979 |
| Net charge-offs to loans | -0.0707% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8714% | 370 |
| Assets per employee ($millions) | 4.4758% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 1,575 |
| Loan loss allowance to noncurrent loans | 659.0164% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 3,911 |
| Noncurrent loans to loans | 0.2127% | 3,619 |
| Net loans and leases to total assets | 57.4217% | 3,561 |
| Net loans and leases to deposits | 76.5592% | 2,799 |
| Net loans and leases to core deposits | 82.0734% | 2,772 |
| Total domestic deposits to total assets | 75.0030% | 4,519 |
| Equity capital to assets | 21.7858% | 153 |
| Core capital (leverage) ratio | 21.1813% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,264,667 | 4,682 |
| Average earning assets | $46,793,000 | 4,675 |
| Average equity | $10,618,667 | 4,152 |
| Average total loans | $28,299,333 | 4,592 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 3,296 |
| Cost of funding earning assets | 0.9724% | 1,548 |
| Net interest margin | 3.2048% | 3,843 |
| Noninterest income to average assets | 0.8429% | 1,182 |
| Noninterest expense to average assets | 3.5211% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2757% | 4,398 |
| Return on assets (ROA) | 0.2048% | 4,529 |
| Pretax return on assets | 0.2284% | 4,539 |
| Return on Equity (ROE) | 0.9843% | 4,631 |
| Retained earnings to average equity (ytd only) | 0.9843% | 3,743 |
| Net charge-offs to loans | -0.0285% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9753% | 431 |
| Assets per employee ($millions) | 4.6271% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 1,666 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 2,895 |
| Noncurrent loans to loans | 0.7039% | 2,240 |
| Net loans and leases to total assets | 54.2084% | 3,971 |
| Net loans and leases to deposits | 73.0249% | 3,352 |
| Net loans and leases to core deposits | 79.3050% | 3,257 |
| Total domestic deposits to total assets | 74.2328% | 4,642 |
| Equity capital to assets | 20.7592% | 214 |
| Core capital (leverage) ratio | 20.7714% | 209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,780,000 | 4,699 |
| Average earning assets | $47,303,500 | 4,686 |
| Average equity | $10,565,500 | 4,175 |
| Average total loans | $28,112,500 | 4,633 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4461% | 3,126 |
| Cost of funding earning assets | 0.8571% | 2,394 |
| Net interest margin | 3.5890% | 3,164 |
| Noninterest income to average assets | 0.8099% | 1,423 |
| Noninterest expense to average assets | 3.4111% | 1,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5993% | 4,162 |
| Return on assets (ROA) | 0.5796% | 4,275 |
| Pretax return on assets | 0.7149% | 4,171 |
| Return on Equity (ROE) | 2.7667% | 4,697 |
| Retained earnings to average equity (ytd only) | 2.7667% | 3,653 |
| Net charge-offs to loans | -0.0344% | 4,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1898% | 789 |
| Assets per employee ($millions) | 4.6056% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 1,565 |
| Loan loss allowance to noncurrent loans | 149.6183% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 2,354 |
| Noncurrent loans to loans | 0.9278% | 1,652 |
| Net loans and leases to total assets | 54.9682% | 4,003 |
| Net loans and leases to deposits | 74.1190% | 3,345 |
| Net loans and leases to core deposits | 80.5088% | 3,254 |
| Total domestic deposits to total assets | 74.1621% | 4,763 |
| Equity capital to assets | 20.8539% | 217 |
| Core capital (leverage) ratio | 21.0773% | 197 |
| Tier 1 risk-based capital ratio | 43.3966% | 192 |
| Total risk-based capital ratio | 44.6540% | 192 |
| Memoranda: | ||
| Average total assets | $49,514,400 | 4,762 |
| Average earning assets | $46,085,400 | 4,749 |
| Average equity | $10,373,200 | 4,190 |
| Average total loans | $29,100,400 | 4,659 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 3,078 |
| Cost of funding earning assets | 0.8434% | 2,496 |
| Net interest margin | 3.6499% | 3,093 |
| Noninterest income to average assets | 0.7800% | 1,486 |
| Noninterest expense to average assets | 3.3124% | 1,239 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6972% | 4,025 |
| Return on assets (ROA) | 0.6798% | 4,139 |
| Pretax return on assets | 0.8450% | 4,025 |
| Return on Equity (ROE) | 3.2412% | 4,728 |
| Retained earnings to average equity (ytd only) | 3.2412% | 3,788 |
| Net charge-offs to loans | -0.0364% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2612% | 985 |
| Assets per employee ($millions) | 4.4549% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 1,726 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 2,918 |
| Noncurrent loans to loans | 0.6797% | 2,262 |
| Net loans and leases to total assets | 57.7524% | 3,902 |
| Net loans and leases to deposits | 78.7736% | 3,029 |
| Net loans and leases to core deposits | 83.6145% | 3,130 |
| Total domestic deposits to total assets | 73.3144% | 4,845 |
| Equity capital to assets | 21.4493% | 200 |
| Core capital (leverage) ratio | 21.3083% | 188 |
| Tier 1 risk-based capital ratio | 43.3913% | 193 |
| Total risk-based capital ratio | 44.6446% | 188 |
| Memoranda: | ||
| Average total assets | $49,227,500 | 4,832 |
| Average earning assets | $45,844,750 | 4,818 |
| Average equity | $10,325,250 | 4,244 |
| Average total loans | $29,315,500 | 4,720 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 2,954 |
| Cost of funding earning assets | 0.8237% | 2,533 |
| Net interest margin | 3.6960% | 2,941 |
| Noninterest income to average assets | 0.7302% | 1,596 |
| Noninterest expense to average assets | 3.2818% | 1,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7115% | 3,969 |
| Return on assets (ROA) | 0.6856% | 4,103 |
| Pretax return on assets | 0.8559% | 3,957 |
| Return on Equity (ROE) | 3.2933% | 4,727 |
| Retained earnings to average equity (ytd only) | 3.2933% | 3,578 |
| Net charge-offs to loans | -0.0339% | 4,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6965% | 1,077 |
| Assets per employee ($millions) | 4.8554% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 1,890 |
| Loan loss allowance to noncurrent loans | 319.8347% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 3,575 |
| Noncurrent loans to loans | 0.4155% | 3,044 |
| Net loans and leases to total assets | 59.1774% | 3,810 |
| Net loans and leases to deposits | 80.7992% | 2,870 |
| Net loans and leases to core deposits | 88.4473% | 2,752 |
| Total domestic deposits to total assets | 73.2401% | 4,885 |
| Equity capital to assets | 21.4586% | 190 |
| Core capital (leverage) ratio | 21.2628% | 183 |
| Tier 1 risk-based capital ratio | 42.5134% | 204 |
| Total risk-based capital ratio | 43.7673% | 201 |
| Memoranda: | ||
| Average total assets | $49,302,000 | 4,859 |
| Average earning assets | $45,888,000 | 4,854 |
| Average equity | $10,263,330 | 4,268 |
| Average total loans | $29,523,670 | 4,750 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 2,796 |
| Cost of funding earning assets | 0.8126% | 2,463 |
| Net interest margin | 3.7087% | 2,861 |
| Noninterest income to average assets | 0.6844% | 1,666 |
| Noninterest expense to average assets | 3.3980% | 1,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5926% | 4,269 |
| Return on assets (ROA) | 0.6442% | 4,148 |
| Pretax return on assets | 0.8052% | 4,027 |
| Return on Equity (ROE) | 3.1417% | 4,760 |
| Retained earnings to average equity (ytd only) | 3.1417% | 3,682 |
| Net charge-offs to loans | -0.0404% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1012% | 860 |
| Assets per employee ($millions) | 4.9088% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 2,147 |
| Loan loss allowance to noncurrent loans | 258.3893% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 3,396 |
| Noncurrent loans to loans | 0.4986% | 2,818 |
| Net loans and leases to total assets | 60.0982% | 3,698 |
| Net loans and leases to deposits | 81.3148% | 2,689 |
| Net loans and leases to core deposits | 88.0233% | 2,680 |
| Total domestic deposits to total assets | 73.9081% | 4,942 |
| Equity capital to assets | 20.8931% | 204 |
| Core capital (leverage) ratio | 20.6626% | 216 |
| Tier 1 risk-based capital ratio | 42.1608% | 204 |
| Total risk-based capital ratio | 43.4110% | 196 |
| Memoranda: | ||
| Average total assets | $49,676,000 | 4,903 |
| Average earning assets | $46,269,500 | 4,899 |
| Average equity | $10,185,500 | 4,302 |
| Average total loans | $29,725,500 | 4,793 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 3,177 |
| Cost of funding earning assets | 0.7631% | 1,725 |
| Net interest margin | 3.5181% | 3,642 |
| Noninterest income to average assets | 0.8571% | 1,295 |
| Noninterest expense to average assets | 3.1386% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7770% | 3,893 |
| Return on assets (ROA) | 0.7754% | 3,895 |
| Pretax return on assets | 1.0048% | 3,581 |
| Return on Equity (ROE) | 4.0210% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.0210% | 3,355 |
| Net charge-offs to loans | -0.0033% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7150% | 1,403 |
| Assets per employee ($millions) | 5.0264% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,085 |
| Loan loss allowance to noncurrent loans | 111.3703% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.8595% | 1,627 |
| Noncurrent loans to loans | 1.1602% | 1,387 |
| Net loans and leases to total assets | 58.0594% | 3,955 |
| Net loans and leases to deposits | 77.5958% | 3,215 |
| Net loans and leases to core deposits | 83.1472% | 3,167 |
| Total domestic deposits to total assets | 74.8229% | 4,889 |
| Equity capital to assets | 20.1237% | 228 |
| Core capital (leverage) ratio | 20.4988% | 216 |
| Tier 1 risk-based capital ratio | 42.5266% | 198 |
| Total risk-based capital ratio | 43.7766% | 195 |
| Memoranda: | ||
| Average total assets | $51,455,400 | 4,907 |
| Average earning assets | $48,093,600 | 4,893 |
| Average equity | $9,923,000 | 4,310 |
| Average total loans | $30,374,000 | 4,813 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 3,091 |
| Cost of funding earning assets | 0.7513% | 1,579 |
| Net interest margin | 3.5144% | 3,642 |
| Noninterest income to average assets | 0.8708% | 1,286 |
| Noninterest expense to average assets | 3.0168% | 1,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9012% | 3,526 |
| Return on assets (ROA) | 0.8991% | 3,539 |
| Pretax return on assets | 1.1413% | 3,234 |
| Return on Equity (ROE) | 4.7121% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.7121% | 3,389 |
| Net charge-offs to loans | -0.0305% | 4,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5077% | 1,807 |
| Assets per employee ($millions) | 5.0636% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 2,206 |
| Loan loss allowance to noncurrent loans | 138.5714% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 2,038 |
| Noncurrent loans to loans | 0.9221% | 1,852 |
| Net loans and leases to total assets | 59.2029% | 3,931 |
| Net loans and leases to deposits | 78.8044% | 3,164 |
| Net loans and leases to core deposits | 84.3666% | 3,130 |
| Total domestic deposits to total assets | 75.1264% | 4,870 |
| Equity capital to assets | 19.7922% | 238 |
| Core capital (leverage) ratio | 19.9793% | 233 |
| Tier 1 risk-based capital ratio | 42.0308% | 203 |
| Total risk-based capital ratio | 43.2847% | 200 |
| Memoranda: | ||
| Average total assets | $51,753,250 | 4,959 |
| Average earning assets | $48,447,250 | 4,943 |
| Average equity | $9,875,000 | 4,358 |
| Average total loans | $30,576,250 | 4,856 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 3,173 |
| Cost of funding earning assets | 0.7402% | 1,428 |
| Net interest margin | 3.4392% | 3,834 |
| Noninterest income to average assets | 0.8902% | 1,212 |
| Noninterest expense to average assets | 2.9928% | 2,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8548% | 3,651 |
| Return on assets (ROA) | 0.8518% | 3,668 |
| Pretax return on assets | 1.1204% | 3,233 |
| Return on Equity (ROE) | 4.5186% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.5186% | 3,332 |
| Net charge-offs to loans | -0.0326% | 4,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6934% | 1,887 |
| Assets per employee ($millions) | 5.8494% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,443 |
| Loan loss allowance to noncurrent loans | 131.2925% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 2,556 |
| Noncurrent loans to loans | 0.9507% | 1,830 |
| Net loans and leases to total assets | 58.0055% | 3,990 |
| Net loans and leases to deposits | 77.9065% | 3,173 |
| Net loans and leases to core deposits | 81.0193% | 3,319 |
| Total domestic deposits to total assets | 74.4553% | 5,006 |
| Equity capital to assets | 18.8223% | 277 |
| Core capital (leverage) ratio | 19.4125% | 249 |
| Tier 1 risk-based capital ratio | 40.3106% | 222 |
| Total risk-based capital ratio | 41.5642% | 222 |
| Memoranda: | ||
| Average total assets | $52,125,670 | 5,011 |
| Average earning assets | $48,907,330 | 4,985 |
| Average equity | $9,826,000 | 4,402 |
| Average total loans | $30,646,330 | 4,910 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 3,258 |
| Cost of funding earning assets | 0.7397% | 1,242 |
| Net interest margin | 3.3531% | 4,042 |
| Noninterest income to average assets | 1.0334% | 851 |
| Noninterest expense to average assets | 3.0694% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8776% | 3,376 |
| Return on assets (ROA) | 0.8715% | 3,426 |
| Pretax return on assets | 1.1028% | 3,166 |
| Return on Equity (ROE) | 4.6196% | 4,602 |
| Retained earnings to average equity (ytd only) | 4.6196% | 3,352 |
| Net charge-offs to loans | -0.0262% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4317% | 1,977 |
| Assets per employee ($millions) | 5.2596% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,615 |
| Loan loss allowance to noncurrent loans | 168.7225% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 3,112 |
| Noncurrent loans to loans | 0.7307% | 2,386 |
| Net loans and leases to total assets | 58.3409% | 3,909 |
| Net loans and leases to deposits | 78.1823% | 3,002 |
| Net loans and leases to core deposits | 81.2955% | 3,211 |
| Total domestic deposits to total assets | 74.6216% | 5,097 |
| Equity capital to assets | 18.6554% | 271 |
| Core capital (leverage) ratio | 19.4470% | 232 |
| Tier 1 risk-based capital ratio | 39.3616% | 234 |
| Total risk-based capital ratio | 40.6148% | 229 |
| Memoranda: | ||
| Average total assets | $51,866,000 | 5,078 |
| Average earning assets | $48,671,000 | 5,049 |
| Average equity | $9,784,500 | 4,459 |
| Average total loans | $30,508,000 | 4,962 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 2,932 |
| Cost of funding earning assets | 0.7880% | 664 |
| Net interest margin | 3.3469% | 4,019 |
| Noninterest income to average assets | 0.7898% | 1,605 |
| Noninterest expense to average assets | 3.0427% | 2,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5510% | 4,220 |
| Return on assets (ROA) | 0.5472% | 4,264 |
| Pretax return on assets | 0.8732% | 4,001 |
| Return on Equity (ROE) | 2.9222% | 4,849 |
| Retained earnings to average equity (ytd only) | 2.9222% | 3,557 |
| Net charge-offs to loans | 0.0067% | 3,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 226.5000% | 360 |
| Efficiency ratio | 77.5854% | 1,411 |
| Assets per employee ($millions) | 5.1136% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,367 |
| Loan loss allowance to noncurrent loans | 205.9459% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 3,415 |
| Noncurrent loans to loans | 0.6177% | 2,683 |
| Net loans and leases to total assets | 57.8203% | 4,020 |
| Net loans and leases to deposits | 78.1741% | 3,097 |
| Net loans and leases to core deposits | 81.4428% | 3,291 |
| Total domestic deposits to total assets | 73.9635% | 5,183 |
| Equity capital to assets | 19.0805% | 245 |
| Core capital (leverage) ratio | 19.2884% | 223 |
| Tier 1 risk-based capital ratio | 40.5474% | 208 |
| Total risk-based capital ratio | 41.8009% | 203 |
| Memoranda: | ||
| Average total assets | $51,532,600 | 5,128 |
| Average earning assets | $48,224,200 | 5,102 |
| Average equity | $9,650,200 | 4,502 |
| Average total loans | $29,821,000 | 5,034 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 2,793 |
| Cost of funding earning assets | 0.8007% | 577 |
| Net interest margin | 3.3489% | 4,021 |
| Noninterest income to average assets | 0.8005% | 1,584 |
| Noninterest expense to average assets | 3.0549% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6123% | 4,347 |
| Return on assets (ROA) | 0.6069% | 4,406 |
| Pretax return on assets | 0.8703% | 4,142 |
| Return on Equity (ROE) | 3.2559% | 5,047 |
| Retained earnings to average equity (ytd only) | 3.2559% | 3,987 |
| Net charge-offs to loans | 0.0179% | 3,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 85.0507% | 777 |
| Efficiency ratio | 77.6756% | 1,370 |
| Assets per employee ($millions) | 5.0374% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,569 |
| Loan loss allowance to noncurrent loans | 229.6970% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 3,746 |
| Noncurrent loans to loans | 0.5491% | 3,053 |
| Net loans and leases to total assets | 58.8955% | 3,974 |
| Net loans and leases to deposits | 78.0367% | 3,158 |
| Net loans and leases to core deposits | 81.2800% | 3,352 |
| Total domestic deposits to total assets | 75.4715% | 5,077 |
| Equity capital to assets | 19.3830% | 253 |
| Core capital (leverage) ratio | 19.2861% | 238 |
| Tier 1 risk-based capital ratio | 40.4149% | 219 |
| Total risk-based capital ratio | 41.6663% | 215 |
| Memoranda: | ||
| Average total assets | $51,631,750 | 5,183 |
| Average earning assets | $48,292,750 | 5,158 |
| Average equity | $9,623,500 | 4,550 |
| Average total loans | $29,789,250 | 5,087 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 2,951 |
| Cost of funding earning assets | 0.8273% | 456 |
| Net interest margin | 3.2396% | 4,295 |
| Noninterest income to average assets | 0.7992% | 1,573 |
| Noninterest expense to average assets | 3.0393% | 2,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5621% | 4,462 |
| Return on assets (ROA) | 0.5648% | 4,500 |
| Pretax return on assets | 0.8031% | 4,265 |
| Return on Equity (ROE) | 3.0700% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.0700% | 3,882 |
| Net charge-offs to loans | 0.0269% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 1,046 |
| Efficiency ratio | 79.1792% | 1,312 |
| Assets per employee ($millions) | 5.0693% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,422 |
| Loan loss allowance to noncurrent loans | 170.7207% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 3,360 |
| Noncurrent loans to loans | 0.7603% | 2,491 |
| Net loans and leases to total assets | 56.8501% | 4,140 |
| Net loans and leases to deposits | 72.0853% | 3,727 |
| Net loans and leases to core deposits | 75.6146% | 3,805 |
| Total domestic deposits to total assets | 78.8649% | 4,649 |
| Equity capital to assets | 19.0697% | 258 |
| Core capital (leverage) ratio | 18.8877% | 246 |
| Tier 1 risk-based capital ratio | 41.1695% | 195 |
| Total risk-based capital ratio | 42.4219% | 194 |
| Memoranda: | ||
| Average total assets | $52,051,000 | 5,215 |
| Average earning assets | $48,832,670 | 5,178 |
| Average equity | $9,576,670 | 4,578 |
| Average total loans | $29,703,330 | 5,123 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 3,034 |
| Cost of funding earning assets | 0.8248% | 430 |
| Net interest margin | 3.1777% | 4,409 |
| Noninterest income to average assets | 0.8496% | 1,398 |
| Noninterest expense to average assets | 2.9130% | 2,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6456% | 3,949 |
| Return on assets (ROA) | 0.6296% | 4,067 |
| Pretax return on assets | 0.8951% | 3,793 |
| Return on Equity (ROE) | 3.4832% | 4,966 |
| Retained earnings to average equity (ytd only) | 3.4832% | 3,695 |
| Net charge-offs to loans | -0.0267% | 4,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0396% | 1,898 |
| Assets per employee ($millions) | 5.2768% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,583 |
| Loan loss allowance to noncurrent loans | 550.0000% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 4,448 |
| Noncurrent loans to loans | 0.2347% | 4,271 |
| Net loans and leases to total assets | 55.7838% | 4,198 |
| Net loans and leases to deposits | 69.8479% | 3,814 |
| Net loans and leases to core deposits | 73.1039% | 3,909 |
| Total domestic deposits to total assets | 79.8647% | 4,649 |
| Equity capital to assets | 18.1474% | 295 |
| Core capital (leverage) ratio | 18.2522% | 273 |
| Tier 1 risk-based capital ratio | 40.4046% | 220 |
| Total risk-based capital ratio | 41.6587% | 215 |
| Memoranda: | ||
| Average total assets | $52,730,000 | 5,254 |
| Average earning assets | $49,469,000 | 5,220 |
| Average equity | $9,531,500 | 4,619 |
| Average total loans | $29,956,000 | 5,162 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0159% | 3,135 |
| Cost of funding earning assets | 0.8989% | 300 |
| Net interest margin | 3.1170% | 4,680 |
| Noninterest income to average assets | 0.7453% | 1,971 |
| Noninterest expense to average assets | 2.9227% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5297% | 4,511 |
| Return on assets (ROA) | 0.5297% | 4,603 |
| Pretax return on assets | 0.7489% | 4,349 |
| Return on Equity (ROE) | 3.0845% | 5,134 |
| Retained earnings to average equity (ytd only) | 3.0845% | 3,706 |
| Net charge-offs to loans | -0.0602% | 5,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6020% | 1,467 |
| Assets per employee ($millions) | 5.2692% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,689 |
| Loan loss allowance to noncurrent loans | 203.7234% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 3,586 |
| Noncurrent loans to loans | 0.6248% | 2,973 |
| Net loans and leases to total assets | 56.3805% | 4,232 |
| Net loans and leases to deposits | 69.4810% | 3,961 |
| Net loans and leases to core deposits | 73.5966% | 3,953 |
| Total domestic deposits to total assets | 81.1451% | 4,301 |
| Equity capital to assets | 18.0046% | 303 |
| Core capital (leverage) ratio | 17.9531% | 292 |
| Tier 1 risk-based capital ratio | 39.6582% | 225 |
| Total risk-based capital ratio | 40.9121% | 223 |
| Memoranda: | ||
| Average total assets | $54,744,400 | 5,251 |
| Average earning assets | $51,396,000 | 5,221 |
| Average equity | $9,402,000 | 4,671 |
| Average total loans | $31,565,000 | 5,148 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 3,223 |
| Cost of funding earning assets | 0.9012% | 293 |
| Net interest margin | 3.1016% | 4,775 |
| Noninterest income to average assets | 0.7263% | 2,054 |
| Noninterest expense to average assets | 2.8472% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5526% | 4,486 |
| Return on assets (ROA) | 0.5526% | 4,594 |
| Pretax return on assets | 0.7938% | 4,328 |
| Return on Equity (ROE) | 3.2549% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.2549% | 3,959 |
| Net charge-offs to loans | -0.0668% | 5,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1975% | 1,664 |
| Assets per employee ($millions) | 5.3697% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 3,105 |
| Loan loss allowance to noncurrent loans | 144.6970% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 3,124 |
| Noncurrent loans to loans | 0.8453% | 2,570 |
| Net loans and leases to total assets | 57.4520% | 4,144 |
| Net loans and leases to deposits | 70.5530% | 3,932 |
| Net loans and leases to core deposits | 74.6269% | 3,955 |
| Total domestic deposits to total assets | 81.4310% | 4,126 |
| Equity capital to assets | 17.7012% | 371 |
| Core capital (leverage) ratio | 17.5829% | 328 |
| Tier 1 risk-based capital ratio | 38.6947% | 250 |
| Total risk-based capital ratio | 39.9545% | 247 |
| Memoranda: | ||
| Average total assets | $55,257,500 | 5,288 |
| Average earning assets | $51,929,000 | 5,258 |
| Average equity | $9,380,750 | 4,723 |
| Average total loans | $31,933,500 | 5,183 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9675% | 3,355 |
| Cost of funding earning assets | 0.9041% | 286 |
| Net interest margin | 3.0634% | 4,932 |
| Noninterest income to average assets | 0.7028% | 2,132 |
| Noninterest expense to average assets | 2.8112% | 2,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5378% | 4,533 |
| Return on assets (ROA) | 0.5378% | 4,641 |
| Pretax return on assets | 0.7709% | 4,386 |
| Return on Equity (ROE) | 3.2122% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.2122% | 3,852 |
| Net charge-offs to loans | 0.0622% | 2,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,677 |
| Efficiency ratio | 78.4785% | 1,714 |
| Assets per employee ($millions) | 5.5120% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 3,830 |
| Loan loss allowance to noncurrent loans | 79.7753% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 2,576 |
| Noncurrent loans to loans | 1.4057% | 1,586 |
| Net loans and leases to total assets | 56.7870% | 4,224 |
| Net loans and leases to deposits | 69.1613% | 4,067 |
| Net loans and leases to core deposits | 73.4938% | 4,032 |
| Total domestic deposits to total assets | 82.1081% | 3,971 |
| Equity capital to assets | 17.1154% | 418 |
| Core capital (leverage) ratio | 17.0436% | 365 |
| Tier 1 risk-based capital ratio | 36.7032% | 295 |
| Total risk-based capital ratio | 37.9625% | 294 |
| Memoranda: | ||
| Average total assets | $55,777,670 | 5,340 |
| Average earning assets | $52,426,000 | 5,304 |
| Average equity | $9,339,330 | 4,768 |
| Average total loans | $32,167,330 | 5,227 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9798% | 3,290 |
| Cost of funding earning assets | 0.9004% | 292 |
| Net interest margin | 3.0794% | 4,923 |
| Noninterest income to average assets | 0.6844% | 2,114 |
| Noninterest expense to average assets | 2.7804% | 3,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5490% | 4,430 |
| Return on assets (ROA) | 0.5490% | 4,531 |
| Pretax return on assets | 0.8056% | 4,178 |
| Return on Equity (ROE) | 3.3147% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.3147% | 3,839 |
| Net charge-offs to loans | 0.0123% | 2,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 495 |
| Efficiency ratio | 77.5348% | 1,963 |
| Assets per employee ($millions) | 5.5861% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 3,844 |
| Loan loss allowance to noncurrent loans | 110.9756% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 3,298 |
| Noncurrent loans to loans | 1.0263% | 2,334 |
| Net loans and leases to total assets | 56.5600% | 4,193 |
| Net loans and leases to deposits | 68.5061% | 4,006 |
| Net loans and leases to core deposits | 72.7024% | 4,007 |
| Total domestic deposits to total assets | 82.5621% | 4,046 |
| Equity capital to assets | 16.7219% | 447 |
| Core capital (leverage) ratio | 16.6291% | 406 |
| Tier 1 risk-based capital ratio | 37.6663% | 275 |
| Total risk-based capital ratio | 38.9244% | 273 |
| Memoranda: | ||
| Average total assets | $56,106,500 | 5,381 |
| Average earning assets | $52,867,500 | 5,345 |
| Average equity | $9,292,000 | 4,803 |
| Average total loans | $32,423,000 | 5,259 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0212% | 3,232 |
| Cost of funding earning assets | 0.9597% | 211 |
| Net interest margin | 3.0615% | 5,002 |
| Noninterest income to average assets | 0.7134% | 2,137 |
| Noninterest expense to average assets | 2.6322% | 3,807 |
| Loan and lease loss provision to assets | 0.1099% | 2,160 |
| Net operating income to assets | 0.5669% | 4,438 |
| Return on assets (ROA) | 0.5669% | 4,528 |
| Pretax return on assets | 0.8704% | 3,951 |
| Return on Equity (ROE) | 3.5630% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.5630% | 3,526 |
| Net charge-offs to loans | 0.2409% | 1,243 |
| Credit loss provision to net charge-offs | 77.7778% | 2,989 |
| Earnings coverage of net charge-offs (x) | 6.9383% | 3,150 |
| Efficiency ratio | 72.8634% | 2,759 |
| Assets per employee ($millions) | 5.6352% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,993 |
| Loan loss allowance to noncurrent loans | 152.7197% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 3,910 |
| Noncurrent loans to loans | 0.7267% | 3,004 |
| Net loans and leases to total assets | 57.7122% | 4,120 |
| Net loans and leases to deposits | 69.6641% | 3,958 |
| Net loans and leases to core deposits | 73.8650% | 3,954 |
| Total domestic deposits to total assets | 82.8436% | 3,888 |
| Equity capital to assets | 16.4023% | 478 |
| Core capital (leverage) ratio | 16.0642% | 460 |
| Tier 1 risk-based capital ratio | 36.6848% | 290 |
| Total risk-based capital ratio | 37.9362% | 287 |
| Memoranda: | ||
| Average total assets | $57,329,200 | 5,373 |
| Average earning assets | $54,287,200 | 5,333 |
| Average equity | $9,121,600 | 4,818 |
| Average total loans | $33,628,800 | 5,242 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 3,242 |
| Cost of funding earning assets | 0.9670% | 206 |
| Net interest margin | 3.0571% | 5,058 |
| Noninterest income to average assets | 0.6855% | 2,300 |
| Noninterest expense to average assets | 2.5706% | 3,978 |
| Loan and lease loss provision to assets | 0.0347% | 3,527 |
| Net operating income to assets | 0.6646% | 4,056 |
| Return on assets (ROA) | 0.6646% | 4,168 |
| Pretax return on assets | 0.9796% | 3,695 |
| Return on Equity (ROE) | 4.2091% | 4,954 |
| Retained earnings to average equity (ytd only) | 4.2091% | 3,472 |
| Net charge-offs to loans | 0.1262% | 1,869 |
| Credit loss provision to net charge-offs | 46.8750% | 3,072 |
| Earnings coverage of net charge-offs (x) | 13.6862% | 2,307 |
| Efficiency ratio | 71.7054% | 2,928 |
| Assets per employee ($millions) | 5.7300% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 4,297 |
| Loan loss allowance to noncurrent loans | 96.8170% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7051% | 3,143 |
| Noncurrent loans to loans | 1.1239% | 2,257 |
| Net loans and leases to total assets | 57.9040% | 4,152 |
| Net loans and leases to deposits | 70.4228% | 3,930 |
| Net loans and leases to core deposits | 74.6367% | 3,944 |
| Total domestic deposits to total assets | 82.2234% | 4,092 |
| Equity capital to assets | 16.1309% | 543 |
| Core capital (leverage) ratio | 16.1350% | 469 |
| Tier 1 risk-based capital ratio | 35.8537% | 330 |
| Total risk-based capital ratio | 37.1049% | 329 |
| Memoranda: | ||
| Average total assets | $57,573,500 | 5,441 |
| Average earning assets | $54,603,250 | 5,395 |
| Average equity | $9,091,250 | 4,888 |
| Average total loans | $33,814,250 | 5,292 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 3,153 |
| Cost of funding earning assets | 0.9640% | 207 |
| Net interest margin | 3.0674% | 5,054 |
| Noninterest income to average assets | 0.6625% | 2,401 |
| Noninterest expense to average assets | 2.4694% | 4,333 |
| Loan and lease loss provision to assets | 0.0520% | 3,079 |
| Net operating income to assets | 0.7110% | 3,838 |
| Return on assets (ROA) | 0.7110% | 3,964 |
| Pretax return on assets | 1.0544% | 3,360 |
| Return on Equity (ROE) | 4.5351% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.5351% | 3,142 |
| Net charge-offs to loans | 0.1534% | 1,564 |
| Credit loss provision to net charge-offs | 57.6923% | 2,611 |
| Earnings coverage of net charge-offs (x) | 12.2692% | 2,225 |
| Efficiency ratio | 69.0592% | 3,482 |
| Assets per employee ($millions) | 5.8061% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 4,373 |
| Loan loss allowance to noncurrent loans | 84.1270% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 2,940 |
| Noncurrent loans to loans | 1.2958% | 2,074 |
| Net loans and leases to total assets | 57.9787% | 4,105 |
| Net loans and leases to deposits | 70.1196% | 3,921 |
| Net loans and leases to core deposits | 74.2228% | 3,945 |
| Total domestic deposits to total assets | 82.6855% | 4,063 |
| Equity capital to assets | 15.7541% | 560 |
| Core capital (leverage) ratio | 15.4869% | 543 |
| Tier 1 risk-based capital ratio | 35.8345% | 341 |
| Total risk-based capital ratio | 37.0884% | 339 |
| Memoranda: | ||
| Average total assets | $57,664,670 | 5,497 |
| Average earning assets | $54,770,000 | 5,446 |
| Average equity | $9,040,670 | 4,936 |
| Average total loans | $33,904,330 | 5,328 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0236% | 3,145 |
| Cost of funding earning assets | 0.9657% | 209 |
| Net interest margin | 3.0579% | 5,066 |
| Noninterest income to average assets | 0.6613% | 2,356 |
| Noninterest expense to average assets | 2.5963% | 3,943 |
| Loan and lease loss provision to assets | 0.1044% | 1,962 |
| Net operating income to assets | 0.5986% | 4,298 |
| Return on assets (ROA) | 0.5986% | 4,395 |
| Pretax return on assets | 0.8701% | 3,994 |
| Return on Equity (ROE) | 3.8275% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.8275% | 3,710 |
| Net charge-offs to loans | 0.2955% | 807 |
| Credit loss provision to net charge-offs | 60.0000% | 1,997 |
| Earnings coverage of net charge-offs (x) | 5.6000% | 2,373 |
| Efficiency ratio | 72.7096% | 3,050 |
| Assets per employee ($millions) | 5.7388% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 4,613 |
| Loan loss allowance to noncurrent loans | 180.9756% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 4,287 |
| Noncurrent loans to loans | 0.5973% | 3,786 |
| Net loans and leases to total assets | 59.1587% | 3,776 |
| Net loans and leases to deposits | 71.5641% | 3,583 |
| Net loans and leases to core deposits | 75.7931% | 3,616 |
| Total domestic deposits to total assets | 82.6654% | 4,286 |
| Equity capital to assets | 15.7507% | 580 |
| Core capital (leverage) ratio | 15.7322% | 498 |
| Tier 1 risk-based capital ratio | 36.1173% | 333 |
| Total risk-based capital ratio | 37.3721% | 328 |
| Memoranda: | ||
| Average total assets | $57,466,500 | 5,555 |
| Average earning assets | $54,677,500 | 5,499 |
| Average equity | $8,987,500 | 4,993 |
| Average total loans | $33,839,500 | 5,380 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0266% | 3,612 |
| Cost of funding earning assets | 1.0116% | 220 |
| Net interest margin | 3.0150% | 5,420 |
| Noninterest income to average assets | 0.7184% | 2,220 |
| Noninterest expense to average assets | 2.5863% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6014% | 4,357 |
| Return on assets (ROA) | 0.6397% | 4,292 |
| Pretax return on assets | 1.0571% | 3,266 |
| Return on Equity (ROE) | 4.2544% | 4,998 |
| Retained earnings to average equity (ytd only) | 4.2544% | 3,160 |
| Net charge-offs to loans | 0.0358% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 48.5833% | 949 |
| Efficiency ratio | 72.0286% | 3,207 |
| Assets per employee ($millions) | 5.7545% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 4,306 |
| Loan loss allowance to noncurrent loans | 117.9012% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5630% | 3,919 |
| Noncurrent loans to loans | 0.9713% | 2,893 |
| Net loans and leases to total assets | 57.3047% | 4,155 |
| Net loans and leases to deposits | 69.1335% | 4,017 |
| Net loans and leases to core deposits | 73.1857% | 4,006 |
| Total domestic deposits to total assets | 82.8899% | 4,118 |
| Equity capital to assets | 15.5287% | 597 |
| Core capital (leverage) ratio | 15.5846% | 520 |
| Tier 1 risk-based capital ratio | 35.8147% | 318 |
| Total risk-based capital ratio | 37.0687% | 312 |
| Memoranda: | ||
| Average total assets | $58,463,000 | 5,586 |
| Average earning assets | $55,555,400 | 5,532 |
| Average equity | $8,790,800 | 5,025 |
| Average total loans | $33,544,800 | 5,418 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 3,703 |
| Cost of funding earning assets | 1.0143% | 233 |
| Net interest margin | 2.9999% | 5,505 |
| Noninterest income to average assets | 0.7315% | 2,175 |
| Noninterest expense to average assets | 2.4670% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7464% | 3,687 |
| Return on assets (ROA) | 0.7996% | 3,521 |
| Pretax return on assets | 1.1926% | 2,804 |
| Return on Equity (ROE) | 5.3609% | 4,550 |
| Retained earnings to average equity (ytd only) | 5.3609% | 2,841 |
| Net charge-offs to loans | 0.0357% | 3,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 54.4433% | 927 |
| Efficiency ratio | 68.7817% | 3,713 |
| Assets per employee ($millions) | 5.7870% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 4,502 |
| Loan loss allowance to noncurrent loans | 86.3229% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7707% | 3,508 |
| Noncurrent loans to loans | 1.3320% | 2,417 |
| Net loans and leases to total assets | 57.1954% | 4,182 |
| Net loans and leases to deposits | 68.8501% | 4,036 |
| Net loans and leases to core deposits | 73.2798% | 4,020 |
| Total domestic deposits to total assets | 83.0724% | 4,117 |
| Equity capital to assets | 15.3862% | 657 |
| Core capital (leverage) ratio | 15.4591% | 546 |
| Tier 1 risk-based capital ratio | 35.8672% | 328 |
| Total risk-based capital ratio | 37.1221% | 325 |
| Memoranda: | ||
| Average total assets | $58,692,500 | 5,645 |
| Average earning assets | $55,733,250 | 5,590 |
| Average equity | $8,754,500 | 5,076 |
| Average total loans | $33,591,500 | 5,471 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0013% | 3,723 |
| Cost of funding earning assets | 1.0111% | 246 |
| Net interest margin | 2.9903% | 5,554 |
| Noninterest income to average assets | 0.7496% | 2,047 |
| Noninterest expense to average assets | 2.3878% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8036% | 3,309 |
| Return on assets (ROA) | 0.8513% | 3,166 |
| Pretax return on assets | 1.2719% | 2,359 |
| Return on Equity (ROE) | 5.7670% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.7670% | 2,473 |
| Net charge-offs to loans | 0.0238% | 3,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 88.5000% | 612 |
| Efficiency ratio | 66.3516% | 4,307 |
| Assets per employee ($millions) | 5.9191% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 4,555 |
| Loan loss allowance to noncurrent loans | 186.6029% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 4,971 |
| Noncurrent loans to loans | 0.6279% | 4,140 |
| Net loans and leases to total assets | 55.5794% | 4,339 |
| Net loans and leases to deposits | 66.4244% | 4,231 |
| Net loans and leases to core deposits | 70.5708% | 4,211 |
| Total domestic deposits to total assets | 83.6732% | 4,044 |
| Equity capital to assets | 14.9043% | 721 |
| Core capital (leverage) ratio | 14.9420% | 617 |
| Tier 1 risk-based capital ratio | 35.7926% | 323 |
| Total risk-based capital ratio | 37.0472% | 320 |
| Memoranda: | ||
| Average total assets | $58,966,670 | 5,688 |
| Average earning assets | $55,981,330 | 5,622 |
| Average equity | $8,704,670 | 5,106 |
| Average total loans | $33,627,330 | 5,511 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0740% | 3,379 |
| Cost of funding earning assets | 1.0400% | 227 |
| Net interest margin | 3.0340% | 5,433 |
| Noninterest income to average assets | 0.8496% | 1,565 |
| Noninterest expense to average assets | 2.3108% | 5,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9389% | 2,459 |
| Return on assets (ROA) | 1.0331% | 2,146 |
| Pretax return on assets | 1.5564% | 1,273 |
| Return on Equity (ROE) | 7.0322% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.0322% | 2,036 |
| Net charge-offs to loans | 0.0473% | 2,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 733 |
| Efficiency ratio | 61.8613% | 5,144 |
| Assets per employee ($millions) | 5.9889% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 4,820 |
| Loan loss allowance to noncurrent loans | 151.1628% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 4,693 |
| Noncurrent loans to loans | 0.7675% | 3,940 |
| Net loans and leases to total assets | 55.4776% | 4,211 |
| Net loans and leases to deposits | 66.0117% | 4,094 |
| Net loans and leases to core deposits | 70.5429% | 4,030 |
| Total domestic deposits to total assets | 84.0421% | 4,260 |
| Equity capital to assets | 14.5436% | 781 |
| Core capital (leverage) ratio | 14.6011% | 676 |
| Tier 1 risk-based capital ratio | 35.4439% | 339 |
| Total risk-based capital ratio | 36.6883% | 333 |
| Memoranda: | ||
| Average total assets | $58,854,500 | 5,743 |
| Average earning assets | $55,768,500 | 5,676 |
| Average equity | $8,646,000 | 5,137 |
| Average total loans | $33,797,000 | 5,554 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 3,822 |
| Cost of funding earning assets | 1.1816% | 194 |
| Net interest margin | 2.8970% | 5,791 |
| Noninterest income to average assets | 0.6680% | 2,717 |
| Noninterest expense to average assets | 2.7275% | 4,002 |
| Loan and lease loss provision to assets | 0.2423% | 1,490 |
| Net operating income to assets | 0.3233% | 5,440 |
| Return on assets (ROA) | 0.4032% | 5,248 |
| Pretax return on assets | 0.5261% | 5,119 |
| Return on Equity (ROE) | 2.7221% | 5,611 |
| Retained earnings to average equity (ytd only) | 2.7221% | 4,300 |
| Net charge-offs to loans | 0.2463% | 2,499 |
| Credit loss provision to net charge-offs | 170.7317% | 1,338 |
| Earnings coverage of net charge-offs (x) | 4.6829% | 3,489 |
| Efficiency ratio | 80.2551% | 2,112 |
| Assets per employee ($millions) | 5.7820% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 4,866 |
| Loan loss allowance to noncurrent loans | 158.8710% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 4,761 |
| Noncurrent loans to loans | 0.7299% | 4,136 |
| Net loans and leases to total assets | 58.0854% | 4,023 |
| Net loans and leases to deposits | 69.3432% | 3,865 |
| Net loans and leases to core deposits | 74.3343% | 3,807 |
| Total domestic deposits to total assets | 83.7651% | 4,259 |
| Equity capital to assets | 14.8426% | 699 |
| Core capital (leverage) ratio | 14.8592% | 619 |
| Tier 1 risk-based capital ratio | 34.9327% | 337 |
| Total risk-based capital ratio | 36.1892% | 329 |
| Memoranda: | ||
| Average total assets | $57,782,000 | 5,812 |
| Average earning assets | $54,332,200 | 5,754 |
| Average equity | $8,559,600 | 5,195 |
| Average total loans | $33,294,200 | 5,608 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 3,922 |
| Cost of funding earning assets | 1.2020% | 197 |
| Net interest margin | 2.8513% | 5,914 |
| Noninterest income to average assets | 0.6647% | 2,799 |
| Noninterest expense to average assets | 2.5433% | 4,579 |
| Loan and lease loss provision to assets | 0.3231% | 1,032 |
| Net operating income to assets | 0.3356% | 5,482 |
| Return on assets (ROA) | 0.4339% | 5,244 |
| Pretax return on assets | 0.6139% | 4,970 |
| Return on Equity (ROE) | 2.9303% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.9303% | 4,572 |
| Net charge-offs to loans | 0.3301% | 1,893 |
| Credit loss provision to net charge-offs | 170.7317% | 1,398 |
| Earnings coverage of net charge-offs (x) | 4.2195% | 3,498 |
| Efficiency ratio | 75.9669% | 2,738 |
| Assets per employee ($millions) | 5.7550% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 5,021 |
| Loan loss allowance to noncurrent loans | 93.8095% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.4561% | 2,764 |
| Noncurrent loans to loans | 1.2468% | 3,317 |
| Net loans and leases to total assets | 57.8471% | 4,034 |
| Net loans and leases to deposits | 69.0484% | 3,927 |
| Net loans and leases to core deposits | 74.0310% | 3,844 |
| Total domestic deposits to total assets | 83.7776% | 4,288 |
| Equity capital to assets | 14.8080% | 749 |
| Core capital (leverage) ratio | 14.8525% | 664 |
| Tier 1 risk-based capital ratio | 34.2936% | 364 |
| Total risk-based capital ratio | 35.5455% | 353 |
| Memoranda: | ||
| Average total assets | $57,772,500 | 5,879 |
| Average earning assets | $54,243,250 | 5,820 |
| Average equity | $8,554,000 | 5,257 |
| Average total loans | $33,123,000 | 5,675 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 4,045 |
| Cost of funding earning assets | 1.2253% | 197 |
| Net interest margin | 2.7891% | 6,026 |
| Noninterest income to average assets | 0.6535% | 2,896 |
| Noninterest expense to average assets | 2.4271% | 4,971 |
| Loan and lease loss provision to assets | 0.1902% | 1,987 |
| Net operating income to assets | 0.4695% | 4,928 |
| Return on assets (ROA) | 0.5566% | 4,695 |
| Pretax return on assets | 0.7779% | 4,398 |
| Return on Equity (ROE) | 3.7596% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.7596% | 3,907 |
| Net charge-offs to loans | 0.2975% | 1,994 |
| Credit loss provision to net charge-offs | 112.2449% | 1,977 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,986 |
| Efficiency ratio | 73.9176% | 3,150 |
| Assets per employee ($millions) | 5.7687% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 5,660 |
| Loan loss allowance to noncurrent loans | 134.2520% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.1233% | 3,491 |
| Noncurrent loans to loans | 0.7768% | 4,362 |
| Net loans and leases to total assets | 56.0924% | 4,272 |
| Net loans and leases to deposits | 67.0841% | 4,134 |
| Net loans and leases to core deposits | 71.9530% | 4,047 |
| Total domestic deposits to total assets | 83.6150% | 4,477 |
| Equity capital to assets | 14.9236% | 728 |
| Core capital (leverage) ratio | 14.7689% | 654 |
| Tier 1 risk-based capital ratio | 34.1470% | 364 |
| Total risk-based capital ratio | 35.3976% | 357 |
| Memoranda: | ||
| Average total assets | $57,846,670 | 5,917 |
| Average earning assets | $54,355,330 | 5,851 |
| Average equity | $8,564,670 | 5,282 |
| Average total loans | $32,935,670 | 5,718 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0660% | 3,863 |
| Cost of funding earning assets | 1.2410% | 198 |
| Net interest margin | 2.8250% | 5,982 |
| Noninterest income to average assets | 0.7320% | 2,420 |
| Noninterest expense to average assets | 2.2926% | 5,448 |
| Loan and lease loss provision to assets | 0.2831% | 1,246 |
| Net operating income to assets | 0.6084% | 4,174 |
| Return on assets (ROA) | 0.7872% | 3,365 |
| Pretax return on assets | 1.0703% | 3,074 |
| Return on Equity (ROE) | 5.3380% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.3380% | 3,034 |
| Net charge-offs to loans | 0.0484% | 3,355 |
| Credit loss provision to net charge-offs | 1,025.0000% | 308 |
| Earnings coverage of net charge-offs (x) | 40.2500% | 786 |
| Efficiency ratio | 67.1400% | 4,469 |
| Assets per employee ($millions) | 5.8413% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 5,491 |
| Loan loss allowance to noncurrent loans | 97.3890% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9673% | 3,996 |
| Noncurrent loans to loans | 1.1588% | 3,842 |
| Net loans and leases to total assets | 55.9430% | 4,086 |
| Net loans and leases to deposits | 66.7620% | 3,944 |
| Net loans and leases to core deposits | 71.6010% | 3,869 |
| Total domestic deposits to total assets | 83.7947% | 4,558 |
| Equity capital to assets | 14.6851% | 831 |
| Core capital (leverage) ratio | 14.5034% | 674 |
| Tier 1 risk-based capital ratio | 34.7357% | 356 |
| Total risk-based capital ratio | 35.9864% | 349 |
| Memoranda: | ||
| Average total assets | $57,926,500 | 5,967 |
| Average earning assets | $54,795,500 | 5,881 |
| Average equity | $8,542,500 | 5,347 |
| Average total loans | $33,054,000 | 5,749 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 4,858 |
| Cost of funding earning assets | 1.4007% | 253 |
| Net interest margin | 2.7239% | 6,487 |
| Noninterest income to average assets | 0.6540% | 2,968 |
| Noninterest expense to average assets | 2.4378% | 5,293 |
| Loan and lease loss provision to assets | 0.1941% | 3,209 |
| Net operating income to assets | 0.4481% | 4,891 |
| Return on assets (ROA) | 0.4494% | 5,132 |
| Pretax return on assets | 0.6051% | 4,981 |
| Return on Equity (ROE) | 3.0701% | 5,529 |
| Retained earnings to average equity (ytd only) | 3.0701% | 4,072 |
| Net charge-offs to loans | 0.2674% | 3,335 |
| Credit loss provision to net charge-offs | 126.1364% | 2,237 |
| Earnings coverage of net charge-offs (x) | 5.1818% | 3,118 |
| Efficiency ratio | 75.1351% | 2,891 |
| Assets per employee ($millions) | 5.7440% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 5,944 |
| Loan loss allowance to noncurrent loans | 55.2413% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 1.4032% | 3,296 |
| Noncurrent loans to loans | 1.8181% | 2,890 |
| Net loans and leases to total assets | 56.9725% | 4,124 |
| Net loans and leases to deposits | 68.0679% | 3,968 |
| Net loans and leases to core deposits | 73.4980% | 3,851 |
| Total domestic deposits to total assets | 83.6995% | 4,447 |
| Equity capital to assets | 14.8102% | 787 |
| Core capital (leverage) ratio | 14.5491% | 662 |
| Tier 1 risk-based capital ratio | 34.9726% | 342 |
| Total risk-based capital ratio | 36.2240% | 338 |
| Memoranda: | ||
| Average total assets | $57,182,200 | 5,993 |
| Average earning assets | $54,187,200 | 5,923 |
| Average equity | $8,371,000 | 5,401 |
| Average total loans | $32,906,000 | 5,806 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 5,107 |
| Cost of funding earning assets | 1.4182% | 279 |
| Net interest margin | 2.7034% | 6,641 |
| Noninterest income to average assets | 0.5906% | 3,343 |
| Noninterest expense to average assets | 2.4814% | 5,140 |
| Loan and lease loss provision to assets | 0.2591% | 2,499 |
| Net operating income to assets | 0.3621% | 5,396 |
| Return on assets (ROA) | 0.3641% | 5,593 |
| Pretax return on assets | 0.4155% | 5,681 |
| Return on Equity (ROE) | 2.4948% | 5,880 |
| Retained earnings to average equity (ytd only) | 2.4948% | 5,078 |
| Net charge-offs to loans | 0.3570% | 2,674 |
| Credit loss provision to net charge-offs | 126.1364% | 2,280 |
| Earnings coverage of net charge-offs (x) | 3.2727% | 3,718 |
| Efficiency ratio | 78.4604% | 2,326 |
| Assets per employee ($millions) | 6.4378% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 5,994 |
| Loan loss allowance to noncurrent loans | 101.5291% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.3031% | 3,689 |
| Noncurrent loans to loans | 1.0080% | 4,440 |
| Net loans and leases to total assets | 55.4159% | 4,536 |
| Net loans and leases to deposits | 66.0414% | 4,467 |
| Net loans and leases to core deposits | 70.8426% | 4,396 |
| Total domestic deposits to total assets | 83.9109% | 4,264 |
| Equity capital to assets | 14.5530% | 953 |
| Core capital (leverage) ratio | 14.2218% | 767 |
| Tier 1 risk-based capital ratio | 34.3779% | 373 |
| Total risk-based capital ratio | 35.6296% | 370 |
| Memoranda: | ||
| Average total assets | $57,117,750 | 6,065 |
| Average earning assets | $54,153,000 | 5,989 |
| Average equity | $8,337,000 | 5,462 |
| Average total loans | $32,868,250 | 5,882 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0738% | 5,407 |
| Cost of funding earning assets | 1.4271% | 316 |
| Net interest margin | 2.6467% | 6,776 |
| Noninterest income to average assets | 0.5735% | 3,420 |
| Noninterest expense to average assets | 2.5333% | 5,024 |
| Loan and lease loss provision to assets | 0.3905% | 1,681 |
| Net operating income to assets | 0.2006% | 5,915 |
| Return on assets (ROA) | 0.2041% | 6,088 |
| Pretax return on assets | 0.1654% | 6,202 |
| Return on Equity (ROE) | 1.3967% | 6,217 |
| Retained earnings to average equity (ytd only) | 1.3967% | 5,496 |
| Net charge-offs to loans | 0.5332% | 1,994 |
| Credit loss provision to net charge-offs | 126.1364% | 2,176 |
| Earnings coverage of net charge-offs (x) | 1.7841% | 4,088 |
| Efficiency ratio | 81.8700% | 1,896 |
| Assets per employee ($millions) | 5.7897% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 6,173 |
| Loan loss allowance to noncurrent loans | 41.8663% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 1.6339% | 3,278 |
| Noncurrent loans to loans | 2.3833% | 2,516 |
| Net loans and leases to total assets | 56.8959% | 4,341 |
| Net loans and leases to deposits | 67.7422% | 4,244 |
| Net loans and leases to core deposits | 73.0561% | 4,161 |
| Total domestic deposits to total assets | 83.9888% | 4,322 |
| Equity capital to assets | 14.4308% | 940 |
| Core capital (leverage) ratio | 14.0893% | 778 |
| Tier 1 risk-based capital ratio | 32.8038% | 409 |
| Total risk-based capital ratio | 34.0546% | 399 |
| Memoranda: | ||
| Average total assets | $56,843,670 | 6,114 |
| Average earning assets | $53,954,330 | 6,031 |
| Average equity | $8,305,330 | 5,478 |
| Average total loans | $33,011,000 | 5,910 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 5,261 |
| Cost of funding earning assets | 1.4202% | 393 |
| Net interest margin | 2.7358% | 6,731 |
| Noninterest income to average assets | 0.5895% | 3,300 |
| Noninterest expense to average assets | 2.6067% | 4,795 |
| Loan and lease loss provision to assets | 0.6748% | 791 |
| Net operating income to assets | -0.1634% | 6,597 |
| Return on assets (ROA) | -0.1563% | 6,652 |
| Pretax return on assets | -0.0852% | 6,588 |
| Return on Equity (ROE) | -1.0627% | 6,630 |
| Retained earnings to average equity (ytd only) | -1.0627% | 6,163 |
| Net charge-offs to loans | 1.0706% | 963 |
| Credit loss provision to net charge-offs | 107.9545% | 2,162 |
| Earnings coverage of net charge-offs (x) | 0.9318% | 3,862 |
| Efficiency ratio | 81.5145% | 2,001 |
| Assets per employee ($millions) | 5.7241% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 6,414 |
| Loan loss allowance to noncurrent loans | 45.4676% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 1.2142% | 4,100 |
| Noncurrent loans to loans | 2.0915% | 3,040 |
| Net loans and leases to total assets | 57.4990% | 4,130 |
| Net loans and leases to deposits | 68.4618% | 3,983 |
| Net loans and leases to core deposits | 72.3410% | 4,094 |
| Total domestic deposits to total assets | 83.9870% | 4,499 |
| Equity capital to assets | 14.4756% | 869 |
| Core capital (leverage) ratio | 14.1095% | 774 |
| Tier 1 risk-based capital ratio | 32.2703% | 423 |
| Total risk-based capital ratio | 33.5212% | 417 |
| Memoranda: | ||
| Average total assets | $56,317,000 | 6,169 |
| Average earning assets | $53,513,500 | 6,083 |
| Average equity | $8,280,500 | 5,503 |
| Average total loans | $32,880,000 | 5,959 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 5,120 |
| Cost of funding earning assets | 1.5379% | 617 |
| Net interest margin | 2.9516% | 6,607 |
| Noninterest income to average assets | 0.5933% | 3,202 |
| Noninterest expense to average assets | 2.3985% | 5,780 |
| Loan and lease loss provision to assets | 0.0090% | 6,424 |
| Net operating income to assets | 0.6638% | 3,669 |
| Return on assets (ROA) | 0.6638% | 3,856 |
| Pretax return on assets | 0.9388% | 3,473 |
| Return on Equity (ROE) | 4.5275% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.5275% | 2,949 |
| Net charge-offs to loans | 0.0461% | 5,845 |
| Credit loss provision to net charge-offs | 33.3333% | 5,737 |
| Earnings coverage of net charge-offs (x) | 34.9333% | 747 |
| Efficiency ratio | 71.4595% | 3,702 |
| Assets per employee ($millions) | 5.5393% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 6,400 |
| Loan loss allowance to noncurrent loans | 33.0128% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 1.6897% | 3,417 |
| Noncurrent loans to loans | 2.8773% | 2,271 |
| Net loans and leases to total assets | 58.1698% | 4,345 |
| Net loans and leases to deposits | 69.9323% | 4,112 |
| Net loans and leases to core deposits | 72.9731% | 4,381 |
| Total domestic deposits to total assets | 83.1802% | 4,679 |
| Equity capital to assets | 14.9387% | 798 |
| Core capital (leverage) ratio | 14.2012% | 775 |
| Tier 1 risk-based capital ratio | 32.2829% | 419 |
| Total risk-based capital ratio | 33.5327% | 408 |
| Memoranda: | ||
| Average total assets | $55,283,800 | 6,191 |
| Average earning assets | $51,565,200 | 6,140 |
| Average equity | $8,106,000 | 5,538 |
| Average total loans | $32,525,800 | 6,042 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 5,230 |
| Cost of funding earning assets | 1.5749% | 652 |
| Net interest margin | 2.9342% | 6,698 |
| Noninterest income to average assets | 0.6370% | 2,954 |
| Noninterest expense to average assets | 2.3405% | 5,935 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6756% | 3,739 |
| Return on assets (ROA) | 0.6756% | 3,917 |
| Pretax return on assets | 1.0207% | 3,326 |
| Return on Equity (ROE) | 4.6296% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.6296% | 3,425 |
| Net charge-offs to loans | 0.0615% | 5,351 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 28.1995% | 970 |
| Efficiency ratio | 69.4185% | 4,054 |
| Assets per employee ($millions) | 5.5621% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 6,484 |
| Loan loss allowance to noncurrent loans | 39.8241% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 1.4635% | 3,926 |
| Noncurrent loans to loans | 2.3601% | 2,940 |
| Net loans and leases to total assets | 60.0672% | 4,118 |
| Net loans and leases to deposits | 72.4305% | 3,910 |
| Net loans and leases to core deposits | 75.1242% | 4,307 |
| Total domestic deposits to total assets | 82.9309% | 4,714 |
| Equity capital to assets | 14.8145% | 903 |
| Core capital (leverage) ratio | 14.0138% | 901 |
| Tier 1 risk-based capital ratio | 31.6252% | 466 |
| Total risk-based capital ratio | 32.8746% | 461 |
| Memoranda: | ||
| Average total assets | $55,256,500 | 6,233 |
| Average earning assets | $51,302,250 | 6,190 |
| Average equity | $8,063,750 | 5,577 |
| Average total loans | $32,524,500 | 6,101 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 5,719 |
| Cost of funding earning assets | 1.5687% | 795 |
| Net interest margin | 2.8244% | 6,892 |
| Noninterest income to average assets | 0.5623% | 3,382 |
| Noninterest expense to average assets | 2.3542% | 5,985 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6239% | 3,942 |
| Return on assets (ROA) | 0.6239% | 4,071 |
| Pretax return on assets | 0.8924% | 3,643 |
| Return on Equity (ROE) | 4.2973% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.2973% | 3,460 |
| Net charge-offs to loans | 0.0623% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 24.6000% | 1,057 |
| Efficiency ratio | 72.2905% | 3,677 |
| Assets per employee ($millions) | 5.4293% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 6,391 |
| Loan loss allowance to noncurrent loans | 39.8022% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 1.4901% | 3,970 |
| Noncurrent loans to loans | 2.4751% | 2,911 |
| Net loans and leases to total assets | 59.6081% | 4,346 |
| Net loans and leases to deposits | 71.6979% | 4,161 |
| Net loans and leases to core deposits | 74.4165% | 4,523 |
| Total domestic deposits to total assets | 83.1378% | 4,699 |
| Equity capital to assets | 14.9817% | 827 |
| Core capital (leverage) ratio | 14.1575% | 834 |
| Tier 1 risk-based capital ratio | 31.7624% | 461 |
| Total risk-based capital ratio | 33.0144% | 453 |
| Memoranda: | ||
| Average total assets | $55,135,000 | 6,290 |
| Average earning assets | $52,400,330 | 6,212 |
| Average equity | $8,005,000 | 5,605 |
| Average total loans | $32,123,670 | 6,186 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3812% | 5,756 |
| Cost of funding earning assets | 1.5739% | 903 |
| Net interest margin | 2.8073% | 6,893 |
| Noninterest income to average assets | 0.4824% | 4,030 |
| Noninterest expense to average assets | 2.1456% | 6,538 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7560% | 3,241 |
| Return on assets (ROA) | 0.7560% | 3,305 |
| Pretax return on assets | 1.0080% | 3,111 |
| Return on Equity (ROE) | 5.2893% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.2893% | 3,016 |
| Net charge-offs to loans | 0.1256% | 3,769 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,393 |
| Efficiency ratio | 67.8082% | 4,692 |
| Assets per employee ($millions) | 5.5218% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 6,323 |
| Loan loss allowance to noncurrent loans | 37.9717% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 1.5357% | 3,945 |
| Noncurrent loans to loans | 2.6801% | 2,810 |
| Net loans and leases to total assets | 56.7188% | 4,869 |
| Net loans and leases to deposits | 67.7695% | 4,710 |
| Net loans and leases to core deposits | 70.2692% | 5,014 |
| Total domestic deposits to total assets | 83.6937% | 4,625 |
| Equity capital to assets | 14.5242% | 871 |
| Core capital (leverage) ratio | 13.7775% | 896 |
| Tier 1 risk-based capital ratio | 31.7743% | 447 |
| Total risk-based capital ratio | 33.0254% | 441 |
| Memoranda: | ||
| Average total assets | $55,556,000 | 6,325 |
| Average earning assets | $52,862,000 | 6,241 |
| Average equity | $7,940,500 | 5,632 |
| Average total loans | $31,843,000 | 6,251 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 6,352 |
| Cost of funding earning assets | 2.0186% | 570 |
| Net interest margin | 2.4980% | 7,270 |
| Noninterest income to average assets | 0.5144% | 4,061 |
| Noninterest expense to average assets | 2.5105% | 5,752 |
| Loan and lease loss provision to assets | 0.0833% | 6,318 |
| Net operating income to assets | 0.2699% | 5,036 |
| Return on assets (ROA) | 0.2699% | 5,196 |
| Pretax return on assets | 0.2898% | 5,259 |
| Return on Equity (ROE) | 1.9067% | 5,420 |
| Retained earnings to average equity (ytd only) | 1.9067% | 4,529 |
| Net charge-offs to loans | 0.0714% | 6,086 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 8.9565% | 1,896 |
| Efficiency ratio | 86.8090% | 1,587 |
| Assets per employee ($millions) | 5.5894% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 6,209 |
| Loan loss allowance to noncurrent loans | 41.9192% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 1.4170% | 4,220 |
| Noncurrent loans to loans | 2.4715% | 3,052 |
| Net loans and leases to total assets | 56.7378% | 5,224 |
| Net loans and leases to deposits | 68.2690% | 5,070 |
| Net loans and leases to core deposits | 71.2380% | 5,303 |
| Total domestic deposits to total assets | 83.1091% | 4,751 |
| Equity capital to assets | 14.0641% | 1,014 |
| Core capital (leverage) ratio | 13.4043% | 1,000 |
| Tier 1 risk-based capital ratio | 31.0932% | 461 |
| Total risk-based capital ratio | 32.3431% | 454 |
| Memoranda: | ||
| Average total assets | $55,207,600 | 6,364 |
| Average earning assets | $52,362,800 | 6,276 |
| Average equity | $7,814,600 | 5,772 |
| Average total loans | $32,235,000 | 6,304 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5609% | 6,440 |
| Cost of funding earning assets | 2.1041% | 531 |
| Net interest margin | 2.4569% | 7,398 |
| Noninterest income to average assets | 0.4894% | 4,274 |
| Noninterest expense to average assets | 2.5171% | 5,649 |
| Loan and lease loss provision to assets | 0.0872% | 6,174 |
| Net operating income to assets | 0.2108% | 5,481 |
| Return on assets (ROA) | 0.2108% | 5,641 |
| Pretax return on assets | 0.2132% | 5,699 |
| Return on Equity (ROE) | 1.4866% | 5,771 |
| Retained earnings to average equity (ytd only) | 1.4866% | 5,203 |
| Net charge-offs to loans | 0.0413% | 6,129 |
| Credit loss provision to net charge-offs | 360.0000% | 861 |
| Earnings coverage of net charge-offs (x) | 12.4029% | 1,688 |
| Efficiency ratio | 89.0800% | 1,359 |
| Assets per employee ($millions) | 5.4771% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 6,281 |
| Loan loss allowance to noncurrent loans | 79.9031% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 5,558 |
| Noncurrent loans to loans | 1.2848% | 4,710 |
| Net loans and leases to total assets | 58.0855% | 5,250 |
| Net loans and leases to deposits | 70.0440% | 5,139 |
| Net loans and leases to core deposits | 72.7310% | 5,434 |
| Total domestic deposits to total assets | 82.9271% | 4,623 |
| Equity capital to assets | 14.3488% | 1,063 |
| Core capital (leverage) ratio | 13.5864% | 1,036 |
| Tier 1 risk-based capital ratio | 31.0114% | 474 |
| Total risk-based capital ratio | 32.2646% | 465 |
| Memoranda: | ||
| Average total assets | $55,036,000 | 6,448 |
| Average earning assets | $52,151,750 | 6,366 |
| Average equity | $7,803,000 | 5,858 |
| Average total loans | $32,282,500 | 6,382 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 6,583 |
| Cost of funding earning assets | 2.1999% | 469 |
| Net interest margin | 2.3532% | 7,504 |
| Noninterest income to average assets | 0.4245% | 4,719 |
| Noninterest expense to average assets | 2.5288% | 5,611 |
| Loan and lease loss provision to assets | 0.0762% | 6,177 |
| Net operating income to assets | 0.0653% | 5,954 |
| Return on assets (ROA) | 0.0653% | 6,055 |
| Pretax return on assets | 0.0472% | 6,079 |
| Return on Equity (ROE) | 0.4625% | 6,094 |
| Retained earnings to average equity (ytd only) | 0.4625% | 5,576 |
| Net charge-offs to loans | 0.0619% | 5,524 |
| Credit loss provision to net charge-offs | 210.0000% | 1,852 |
| Earnings coverage of net charge-offs (x) | 3.4000% | 3,340 |
| Efficiency ratio | 95.0752% | 1,007 |
| Assets per employee ($millions) | 5.4692% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,520 |
| Loan loss allowance to noncurrent loans | 62.1302% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9873% | 5,160 |
| Noncurrent loans to loans | 1.5626% | 4,365 |
| Net loans and leases to total assets | 58.7490% | 5,293 |
| Net loans and leases to deposits | 72.3248% | 4,940 |
| Net loans and leases to core deposits | 73.8610% | 5,460 |
| Total domestic deposits to total assets | 81.2294% | 5,322 |
| Equity capital to assets | 14.2672% | 1,080 |
| Core capital (leverage) ratio | 13.4838% | 1,065 |
| Tier 1 risk-based capital ratio | 30.7360% | 469 |
| Total risk-based capital ratio | 31.9857% | 466 |
| Memoranda: | ||
| Average total assets | $55,124,330 | 6,486 |
| Average earning assets | $52,184,000 | 6,402 |
| Average equity | $7,784,330 | 5,874 |
| Average total loans | $32,328,670 | 6,419 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 6,657 |
| Cost of funding earning assets | 2.2522% | 495 |
| Net interest margin | 2.3057% | 7,592 |
| Noninterest income to average assets | 0.5060% | 4,003 |
| Noninterest expense to average assets | 2.5732% | 5,464 |
| Loan and lease loss provision to assets | 0.0578% | 6,078 |
| Net operating income to assets | 0.0723% | 6,104 |
| Return on assets (ROA) | 0.0723% | 6,210 |
| Pretax return on assets | 0.0578% | 6,235 |
| Return on Equity (ROE) | 0.5145% | 6,266 |
| Retained earnings to average equity (ytd only) | 0.5145% | 5,624 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4301% | 1,059 |
| Assets per employee ($millions) | 5.5600% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 6,591 |
| Loan loss allowance to noncurrent loans | 30.7164% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 1.8903% | 3,649 |
| Noncurrent loans to loans | 3.1626% | 2,536 |
| Net loans and leases to total assets | 57.3867% | 5,538 |
| Net loans and leases to deposits | 71.0687% | 5,190 |
| Net loans and leases to core deposits | 72.0411% | 5,708 |
| Total domestic deposits to total assets | 80.7482% | 5,532 |
| Equity capital to assets | 13.9910% | 1,146 |
| Core capital (leverage) ratio | 13.2447% | 1,141 |
| Tier 1 risk-based capital ratio | 30.4218% | 505 |
| Total risk-based capital ratio | 31.6809% | 491 |
| Memoranda: | ||
| Average total assets | $55,340,500 | 6,561 |
| Average earning assets | $52,393,000 | 6,463 |
| Average equity | $7,775,000 | 5,920 |
| Average total loans | $32,270,000 | 6,500 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1871% | 5,709 |
| Cost of funding earning assets | 2.7193% | 557 |
| Net interest margin | 2.4678% | 7,458 |
| Noninterest income to average assets | 0.5218% | 4,245 |
| Noninterest expense to average assets | 2.5365% | 6,003 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2300% | 4,801 |
| Return on assets (ROA) | 0.2609% | 4,766 |
| Pretax return on assets | 0.3218% | 4,704 |
| Return on Equity (ROE) | 1.7833% | 4,987 |
| Retained earnings to average equity (ytd only) | 1.7833% | 3,846 |
| Net charge-offs to loans | -0.0392% | 7,830 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5341% | 1,745 |
| Assets per employee ($millions) | 5.5081% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 6,662 |
| Loan loss allowance to noncurrent loans | 49.4327% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 1.1946% | 4,713 |
| Noncurrent loans to loans | 1.9090% | 3,790 |
| Net loans and leases to total assets | 58.1235% | 5,645 |
| Net loans and leases to deposits | 73.1621% | 5,172 |
| Net loans and leases to core deposits | 80.6098% | 6,027 |
| Total domestic deposits to total assets | 79.4448% | 5,865 |
| Equity capital to assets | 14.1083% | 1,134 |
| Core capital (leverage) ratio | 13.3516% | 1,139 |
| Tier 1 risk-based capital ratio | 30.4317% | 501 |
| Total risk-based capital ratio | 31.6973% | 484 |
| Memoranda: | ||
| Average total assets | $52,513,600 | 6,615 |
| Average earning assets | $48,909,600 | 6,565 |
| Average equity | $7,682,600 | 6,027 |
| Average total loans | $33,122,400 | 6,457 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3373% | 5,233 |
| Cost of funding earning assets | 2.8238% | 561 |
| Net interest margin | 2.5134% | 7,452 |
| Noninterest income to average assets | 0.5141% | 4,375 |
| Noninterest expense to average assets | 2.5807% | 5,779 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2478% | 4,998 |
| Return on assets (ROA) | 0.2956% | 4,912 |
| Pretax return on assets | 0.3162% | 5,016 |
| Return on Equity (ROE) | 2.0016% | 5,155 |
| Retained earnings to average equity (ytd only) | 2.0016% | 4,198 |
| Net charge-offs to loans | -0.0520% | 7,859 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4246% | 1,653 |
| Assets per employee ($millions) | 5.3664% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 6,672 |
| Loan loss allowance to noncurrent loans | 147.3430% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 6,372 |
| Noncurrent loans to loans | 0.6242% | 6,053 |
| Net loans and leases to total assets | 61.2329% | 5,372 |
| Net loans and leases to deposits | 78.5035% | 4,663 |
| Net loans and leases to core deposits | 86.1201% | 5,854 |
| Total domestic deposits to total assets | 78.0001% | 6,092 |
| Equity capital to assets | 14.4492% | 1,158 |
| Core capital (leverage) ratio | 13.6620% | 1,181 |
| Tier 1 risk-based capital ratio | 30.6724% | 533 |
| Total risk-based capital ratio | 31.9481% | 518 |
| Memoranda: | ||
| Average total assets | $51,871,750 | 6,694 |
| Average earning assets | $48,113,500 | 6,641 |
| Average equity | $7,660,500 | 6,096 |
| Average total loans | $33,323,000 | 6,494 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4906% | 4,687 |
| Cost of funding earning assets | 2.8787% | 642 |
| Net interest margin | 2.6120% | 7,348 |
| Noninterest income to average assets | 0.3784% | 5,479 |
| Noninterest expense to average assets | 2.5354% | 6,001 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2286% | 5,162 |
| Return on assets (ROA) | 0.3003% | 5,012 |
| Pretax return on assets | 0.3276% | 5,139 |
| Return on Equity (ROE) | 2.0185% | 5,294 |
| Retained earnings to average equity (ytd only) | 2.0185% | 4,220 |
| Net charge-offs to loans | -0.0779% | 7,912 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7563% | 1,747 |
| Assets per employee ($millions) | 5.3191% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 6,679 |
| Loan loss allowance to noncurrent loans | 43.2624% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 1.4363% | 4,096 |
| Noncurrent loans to loans | 2.1311% | 3,333 |
| Net loans and leases to total assets | 61.6194% | 5,421 |
| Net loans and leases to deposits | 82.5135% | 4,133 |
| Net loans and leases to core deposits | 90.6541% | 5,480 |
| Total domestic deposits to total assets | 74.6780% | 6,828 |
| Equity capital to assets | 14.3558% | 1,207 |
| Core capital (leverage) ratio | 13.6797% | 1,217 |
| Tier 1 risk-based capital ratio | 30.6372% | 563 |
| Total risk-based capital ratio | 31.8887% | 551 |
| Memoranda: | ||
| Average total assets | $51,274,330 | 6,778 |
| Average earning assets | $47,244,330 | 6,741 |
| Average equity | $7,629,330 | 6,138 |
| Average total loans | $33,375,670 | 6,537 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6952% | 3,830 |
| Cost of funding earning assets | 2.9737% | 642 |
| Net interest margin | 2.7215% | 7,155 |
| Noninterest income to average assets | 0.5962% | 3,576 |
| Noninterest expense to average assets | 2.4724% | 5,942 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4547% | 4,634 |
| Return on assets (ROA) | 0.5724% | 4,328 |
| Pretax return on assets | 0.7711% | 4,184 |
| Return on Equity (ROE) | 3.7766% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.7766% | 3,790 |
| Net charge-offs to loans | -0.1551% | 7,979 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8969% | 2,843 |
| Assets per employee ($millions) | 5.1212% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 6,573 |
| Loan loss allowance to noncurrent loans | 51.2275% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 1.4977% | 3,684 |
| Noncurrent loans to loans | 1.8281% | 3,519 |
| Net loans and leases to total assets | 64.6509% | 4,870 |
| Net loans and leases to deposits | 88.8832% | 3,128 |
| Net loans and leases to core deposits | 102.3842% | 4,300 |
| Total domestic deposits to total assets | 72.7369% | 7,094 |
| Equity capital to assets | 14.9691% | 1,113 |
| Core capital (leverage) ratio | 14.2136% | 1,147 |
| Tier 1 risk-based capital ratio | 31.2838% | 569 |
| Total risk-based capital ratio | 32.5368% | 553 |
| Memoranda: | ||
| Average total assets | $50,316,000 | 6,853 |
| Average earning assets | $46,004,000 | 6,836 |
| Average equity | $7,626,000 | 6,180 |
| Average total loans | $33,523,000 | 6,560 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8291% | 6,337 |
| Cost of funding earning assets | 3.5759% | 424 |
| Net interest margin | 2.2532% | 7,933 |
| Noninterest income to average assets | 0.7075% | 3,080 |
| Noninterest expense to average assets | 2.4432% | 6,244 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2993% | 5,543 |
| Return on assets (ROA) | 0.3985% | 4,965 |
| Pretax return on assets | 0.4529% | 5,117 |
| Return on Equity (ROE) | 2.7373% | 5,328 |
| Retained earnings to average equity (ytd only) | 2.7373% | 3,479 |
| Net charge-offs to loans | 0.0326% | 6,368 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 15.9091% | 1,893 |
| Efficiency ratio | 87.4302% | 1,729 |
| Assets per employee ($millions) | 4.9420% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 6,675 |
| Loan loss allowance to noncurrent loans | 53.2513% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4670% | 3,288 |
| Noncurrent loans to loans | 1.6922% | 3,232 |
| Net loans and leases to total assets | 67.4241% | 4,566 |
| Net loans and leases to deposits | 97.5268% | 2,190 |
| Net loans and leases to core deposits | 107.1311% | 4,063 |
| Total domestic deposits to total assets | 69.1340% | 7,369 |
| Equity capital to assets | 15.3501% | 1,074 |
| Core capital (leverage) ratio | 14.9933% | 1,035 |
| Tier 1 risk-based capital ratio | 32.3186% | 535 |
| Total risk-based capital ratio | 33.5687% | 523 |
| Memoranda: | ||
| Average total assets | $51,448,400 | 6,713 |
| Average earning assets | $47,400,000 | 6,692 |
| Average equity | $7,489,200 | 6,279 |
| Average total loans | $33,703,800 | 6,502 |