Home > The Community Bank > Performance and Condition Ratios
The Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4024% | 1,306 |
| Cost of funding earning assets | 0.9324% | 3,454 |
| Net interest margin | 4.4701% | 642 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 3.0590% | 1,025 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.3572% | 1,304 |
| Return on assets (ROA) | 1.3647% | 1,258 |
| Pretax return on assets | 1.6782% | 1,102 |
| Return on Equity (ROE) | 20.3100% | 591 |
| Retained earnings to average equity (ytd only) | 20.3131% | 126 |
| Net charge-offs to loans | 0.0429% | 1,467 |
| Credit loss provision to net charge-offs | 204.5455% | 1,210 |
| Earnings coverage of net charge-offs (x) | 63.3409% | 1,155 |
| Efficiency ratio | 63.9223% | 2,618 |
| Assets per employee ($millions) | 4.9189% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8424% | 3,873 |
| Loan loss allowance to noncurrent loans | 243.6464% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 2,108 |
| Noncurrent loans to loans | 0.3458% | 1,942 |
| Net loans and leases to total assets | 63.9600% | 2,463 |
| Net loans and leases to deposits | 69.7583% | 2,901 |
| Net loans and leases to core deposits | 79.8104% | 2,712 |
| Total domestic deposits to total assets | 91.6800% | 361 |
| Equity capital to assets | 7.6600% | 3,624 |
| Core capital (leverage) ratio | 10.1859% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9227% | 1,088 |
| Memoranda: | ||
| Average total assets | $161,425,600 | 3,266 |
| Average earning assets | $148,118,600 | 3,265 |
| Average equity | $10,845,200 | 3,637 |
| Average total loans | $102,559,000 | 3,149 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2737% | 1,324 |
| Cost of funding earning assets | 0.7974% | 3,523 |
| Net interest margin | 4.4763% | 639 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 3.0628% | 974 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.3670% | 1,389 |
| Return on assets (ROA) | 1.3771% | 1,352 |
| Pretax return on assets | 1.6881% | 1,189 |
| Return on Equity (ROE) | 21.2500% | 616 |
| Retained earnings to average equity (ytd only) | 21.2476% | 221 |
| Net charge-offs to loans | 0.0183% | 1,768 |
| Credit loss provision to net charge-offs | 478.5714% | 659 |
| Earnings coverage of net charge-offs (x) | 149.7143% | 729 |
| Efficiency ratio | 63.8558% | 2,508 |
| Assets per employee ($millions) | 4.8837% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 3,872 |
| Loan loss allowance to noncurrent loans | 542.0732% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 2,897 |
| Noncurrent loans to loans | 0.1568% | 2,766 |
| Net loans and leases to total assets | 64.3400% | 2,406 |
| Net loans and leases to deposits | 69.1969% | 2,893 |
| Net loans and leases to core deposits | 77.8707% | 2,749 |
| Total domestic deposits to total assets | 92.9700% | 306 |
| Equity capital to assets | 6.3756% | 3,867 |
| Core capital (leverage) ratio | 10.0328% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2895% | 1,247 |
| Memoranda: | ||
| Average total assets | $161,201,250 | 3,278 |
| Average earning assets | $147,976,000 | 3,279 |
| Average equity | $10,448,000 | 3,675 |
| Average total loans | $102,024,500 | 3,156 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1286% | 1,321 |
| Cost of funding earning assets | 0.6696% | 3,572 |
| Net interest margin | 4.4590% | 643 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 3.0245% | 1,004 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3829% | 1,377 |
| Return on assets (ROA) | 1.3981% | 1,318 |
| Pretax return on assets | 1.7132% | 1,184 |
| Return on Equity (ROE) | 21.4600% | 583 |
| Retained earnings to average equity (ytd only) | 21.4551% | 202 |
| Net charge-offs to loans | 0.0277% | 1,331 |
| Credit loss provision to net charge-offs | -128.5714% | 4,550 |
| Earnings coverage of net charge-offs (x) | 100.9286% | 932 |
| Efficiency ratio | 63.3082% | 2,560 |
| Assets per employee ($millions) | 5.1294% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 4,035 |
| Loan loss allowance to noncurrent loans | 604.5113% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 2,952 |
| Noncurrent loans to loans | 0.1316% | 2,814 |
| Net loans and leases to total assets | 63.0400% | 2,482 |
| Net loans and leases to deposits | 68.0416% | 2,920 |
| Net loans and leases to core deposits | 74.8538% | 2,840 |
| Total domestic deposits to total assets | 92.6500% | 304 |
| Equity capital to assets | 6.7680% | 3,892 |
| Core capital (leverage) ratio | 9.7674% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3375% | 1,252 |
| Memoranda: | ||
| Average total assets | $161,214,333 | 3,280 |
| Average earning assets | $148,149,333 | 3,293 |
| Average equity | $10,505,667 | 3,678 |
| Average total loans | $101,175,000 | 3,162 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 1,337 |
| Cost of funding earning assets | 0.5150% | 3,638 |
| Net interest margin | 4.4282% | 653 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.9745% | 1,106 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.5246% | 1,132 |
| Return on assets (ROA) | 1.5575% | 1,057 |
| Pretax return on assets | 1.7521% | 1,171 |
| Return on Equity (ROE) | 24.3600% | 436 |
| Retained earnings to average equity (ytd only) | 24.3604% | 199 |
| Net charge-offs to loans | 0.0277% | 1,136 |
| Credit loss provision to net charge-offs | -585.7143% | 4,633 |
| Earnings coverage of net charge-offs (x) | 102.7143% | 778 |
| Efficiency ratio | 62.6687% | 2,616 |
| Assets per employee ($millions) | 5.2167% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7744% | 4,130 |
| Loan loss allowance to noncurrent loans | 571.0145% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 2,948 |
| Noncurrent loans to loans | 0.1356% | 2,830 |
| Net loans and leases to total assets | 62.4400% | 2,425 |
| Net loans and leases to deposits | 67.4160% | 2,819 |
| Net loans and leases to core deposits | 72.6294% | 2,772 |
| Total domestic deposits to total assets | 92.6200% | 371 |
| Equity capital to assets | 6.8138% | 3,903 |
| Core capital (leverage) ratio | 9.1987% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8639% | 1,401 |
| Memoranda: | ||
| Average total assets | $162,315,500 | 3,317 |
| Average earning assets | $149,135,500 | 3,325 |
| Average equity | $10,377,500 | 3,734 |
| Average total loans | $101,238,000 | 3,199 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 959 |
| Cost of funding earning assets | 0.3378% | 2,568 |
| Net interest margin | 4.0167% | 773 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.8590% | 1,200 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.1760% | 1,873 |
| Return on assets (ROA) | 1.1760% | 1,810 |
| Pretax return on assets | 1.4292% | 1,689 |
| Return on Equity (ROE) | 19.3700% | 533 |
| Retained earnings to average equity (ytd only) | 19.3679% | 104 |
| Net charge-offs to loans | 0.0146% | 1,839 |
| Credit loss provision to net charge-offs | 457.1429% | 718 |
| Earnings coverage of net charge-offs (x) | 176.7143% | 709 |
| Efficiency ratio | 66.0864% | 2,218 |
| Assets per employee ($millions) | 5.2553% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8301% | 3,961 |
| Loan loss allowance to noncurrent loans | 580.5556% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 2,930 |
| Noncurrent loans to loans | 0.1430% | 2,796 |
| Net loans and leases to total assets | 61.3100% | 2,517 |
| Net loans and leases to deposits | 65.7501% | 2,906 |
| Net loans and leases to core deposits | 68.2527% | 2,997 |
| Total domestic deposits to total assets | 93.2400% | 356 |
| Equity capital to assets | 5.9762% | 4,097 |
| Core capital (leverage) ratio | 8.5323% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4431% | 1,494 |
| Memoranda: | ||
| Average total assets | $168,627,600 | 3,278 |
| Average earning assets | $154,829,600 | 3,280 |
| Average equity | $10,238,600 | 3,838 |
| Average total loans | $96,007,800 | 3,207 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1891% | 909 |
| Cost of funding earning assets | 0.3432% | 1,761 |
| Net interest margin | 3.8459% | 884 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.7527% | 1,343 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1063% | 2,062 |
| Return on assets (ROA) | 1.1063% | 2,030 |
| Pretax return on assets | 1.3478% | 1,893 |
| Return on Equity (ROE) | 18.1500% | 625 |
| Retained earnings to average equity (ytd only) | 18.1517% | 156 |
| Net charge-offs to loans | 0.0183% | 1,478 |
| Credit loss provision to net charge-offs | 523.0769% | 596 |
| Earnings coverage of net charge-offs (x) | 137.4615% | 786 |
| Efficiency ratio | 66.2703% | 2,243 |
| Assets per employee ($millions) | 5.4423% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 4,028 |
| Loan loss allowance to noncurrent loans | 568.2432% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 3,090 |
| Noncurrent loans to loans | 0.1455% | 2,889 |
| Net loans and leases to total assets | 56.1800% | 2,888 |
| Net loans and leases to deposits | 59.1227% | 3,273 |
| Net loans and leases to core deposits | 61.9965% | 3,241 |
| Total domestic deposits to total assets | 95.0200% | 218 |
| Equity capital to assets | 4.6265% | 4,371 |
| Core capital (leverage) ratio | 7.9239% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1013% | 2,019 |
| Memoranda: | ||
| Average total assets | $170,056,000 | 3,295 |
| Average earning assets | $156,177,750 | 3,300 |
| Average equity | $10,364,250 | 3,876 |
| Average total loans | $94,831,000 | 3,238 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 861 |
| Cost of funding earning assets | 0.3571% | 1,209 |
| Net interest margin | 3.6913% | 924 |
| Noninterest income to average assets | 0.6160% | 1,674 |
| Noninterest expense to average assets | 2.7398% | 1,296 |
| Loan and lease loss provision to assets | 0.0539% | 1,611 |
| Net operating income to assets | 0.9936% | 2,183 |
| Return on assets (ROA) | 0.9936% | 2,155 |
| Pretax return on assets | 1.2045% | 2,063 |
| Return on Equity (ROE) | 15.0054% | 890 |
| Retained earnings to average equity (ytd only) | 15.0054% | 264 |
| Net charge-offs to loans | 0.0173% | 1,401 |
| Credit loss provision to net charge-offs | 562.5000% | 599 |
| Earnings coverage of net charge-offs (x) | 131.2500% | 703 |
| Efficiency ratio | 68.5252% | 2,171 |
| Assets per employee ($millions) | 5.2503% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8179% | 4,143 |
| Loan loss allowance to noncurrent loans | 552.3490% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 3,120 |
| Noncurrent loans to loans | 0.1481% | 2,958 |
| Net loans and leases to total assets | 57.6024% | 2,571 |
| Net loans and leases to deposits | 61.1300% | 2,962 |
| Net loans and leases to core deposits | 64.4524% | 2,929 |
| Total domestic deposits to total assets | 94.2295% | 250 |
| Equity capital to assets | 5.5016% | 4,363 |
| Core capital (leverage) ratio | 7.8495% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6474% | 2,230 |
| Memoranda: | ||
| Average total assets | $166,875,667 | 3,355 |
| Average earning assets | $152,899,333 | 3,368 |
| Average equity | $11,049,333 | 3,886 |
| Average total loans | $92,527,667 | 3,292 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9483% | 852 |
| Cost of funding earning assets | 0.3631% | 1,105 |
| Net interest margin | 3.5852% | 920 |
| Noninterest income to average assets | 0.5938% | 1,716 |
| Noninterest expense to average assets | 2.7003% | 1,363 |
| Loan and lease loss provision to assets | 0.0538% | 1,419 |
| Net operating income to assets | 0.8871% | 2,331 |
| Return on assets (ROA) | 0.8871% | 2,324 |
| Pretax return on assets | 1.0972% | 2,156 |
| Return on Equity (ROE) | 12.2967% | 1,226 |
| Retained earnings to average equity (ytd only) | 12.2967% | 559 |
| Net charge-offs to loans | 0.0045% | 1,597 |
| Credit loss provision to net charge-offs | 2,200.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 471.0000% | 219 |
| Efficiency ratio | 70.1142% | 2,211 |
| Assets per employee ($millions) | 5.1628% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 4,043 |
| Loan loss allowance to noncurrent loans | 527.4510% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 3,179 |
| Noncurrent loans to loans | 0.1709% | 2,960 |
| Net loans and leases to total assets | 52.0854% | 2,980 |
| Net loans and leases to deposits | 55.7500% | 3,292 |
| Net loans and leases to core deposits | 59.4856% | 3,187 |
| Total domestic deposits to total assets | 93.4268% | 180 |
| Equity capital to assets | 6.3408% | 4,487 |
| Core capital (leverage) ratio | 8.1248% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3378% | 2,061 |
| Memoranda: | ||
| Average total assets | $163,683,500 | 3,393 |
| Average earning assets | $148,724,000 | 3,420 |
| Average equity | $11,808,000 | 3,879 |
| Average total loans | $88,479,000 | 3,350 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7054% | 415 |
| Cost of funding earning assets | 0.5510% | 706 |
| Net interest margin | 4.1544% | 537 |
| Noninterest income to average assets | 0.6339% | 2,009 |
| Noninterest expense to average assets | 2.9294% | 1,097 |
| Loan and lease loss provision to assets | 0.0645% | 1,774 |
| Net operating income to assets | 0.9654% | 2,817 |
| Return on assets (ROA) | 0.9654% | 2,878 |
| Pretax return on assets | 1.1644% | 2,778 |
| Return on Equity (ROE) | 11.0493% | 2,149 |
| Retained earnings to average equity (ytd only) | 11.0493% | 693 |
| Net charge-offs to loans | -0.0012% | 3,297 |
| Credit loss provision to net charge-offs | -9,100.0000% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4480% | 1,687 |
| Assets per employee ($millions) | 4.7574% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 4,066 |
| Loan loss allowance to noncurrent loans | 485.1852% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 3,214 |
| Noncurrent loans to loans | 0.1853% | 3,016 |
| Net loans and leases to total assets | 55.1776% | 2,714 |
| Net loans and leases to deposits | 60.1884% | 3,054 |
| Net loans and leases to core deposits | 64.3904% | 2,944 |
| Total domestic deposits to total assets | 91.6748% | 274 |
| Equity capital to assets | 8.1615% | 4,266 |
| Core capital (leverage) ratio | 8.3209% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,189,200 | 3,573 |
| Average earning assets | $119,777,000 | 3,691 |
| Average equity | $12,335,600 | 3,898 |
| Average total loans | $85,334,200 | 3,399 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8148% | 400 |
| Cost of funding earning assets | 0.6164% | 590 |
| Net interest margin | 4.1984% | 546 |
| Noninterest income to average assets | 0.6257% | 2,115 |
| Noninterest expense to average assets | 2.9738% | 1,016 |
| Loan and lease loss provision to assets | 0.0663% | 1,670 |
| Net operating income to assets | 0.8909% | 3,272 |
| Return on assets (ROA) | 0.8909% | 3,348 |
| Pretax return on assets | 1.0930% | 3,208 |
| Return on Equity (ROE) | 10.0083% | 2,733 |
| Retained earnings to average equity (ytd only) | 10.0083% | 1,310 |
| Net charge-offs to loans | -0.0063% | 3,505 |
| Credit loss provision to net charge-offs | -1,700.0000% | 3,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9558% | 1,408 |
| Assets per employee ($millions) | 4.9883% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 4,286 |
| Loan loss allowance to noncurrent loans | 469.3252% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 3,402 |
| Noncurrent loans to loans | 0.1801% | 3,229 |
| Net loans and leases to total assets | 58.0318% | 2,495 |
| Net loans and leases to deposits | 63.3171% | 2,922 |
| Net loans and leases to core deposits | 67.3623% | 2,829 |
| Total domestic deposits to total assets | 91.6527% | 199 |
| Equity capital to assets | 8.1242% | 4,457 |
| Core capital (leverage) ratio | 8.2671% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,238,250 | 3,647 |
| Average earning assets | $114,643,500 | 3,791 |
| Average equity | $12,216,250 | 3,960 |
| Average total loans | $84,815,000 | 3,454 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0105% | 334 |
| Cost of funding earning assets | 0.6331% | 626 |
| Net interest margin | 4.3774% | 427 |
| Noninterest income to average assets | 0.6254% | 2,105 |
| Noninterest expense to average assets | 3.0235% | 945 |
| Loan and lease loss provision to assets | 0.0685% | 1,680 |
| Net operating income to assets | 0.9008% | 3,216 |
| Return on assets (ROA) | 0.9008% | 3,298 |
| Pretax return on assets | 1.0895% | 3,251 |
| Return on Equity (ROE) | 9.7846% | 2,835 |
| Retained earnings to average equity (ytd only) | 9.7846% | 1,471 |
| Net charge-offs to loans | -0.0096% | 3,653 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3071% | 1,400 |
| Assets per employee ($millions) | 4.4180% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 4,316 |
| Loan loss allowance to noncurrent loans | 446.9880% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 3,456 |
| Noncurrent loans to loans | 0.1863% | 3,300 |
| Net loans and leases to total assets | 62.4979% | 2,118 |
| Net loans and leases to deposits | 68.6849% | 2,552 |
| Net loans and leases to core deposits | 73.9160% | 2,415 |
| Total domestic deposits to total assets | 90.9921% | 380 |
| Equity capital to assets | 8.7695% | 3,998 |
| Core capital (leverage) ratio | 8.7266% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,439,000 | 3,711 |
| Average earning assets | $106,775,333 | 3,905 |
| Average equity | $12,100,667 | 3,976 |
| Average total loans | $82,919,000 | 3,498 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1502% | 291 |
| Cost of funding earning assets | 0.6749% | 603 |
| Net interest margin | 4.4753% | 373 |
| Noninterest income to average assets | 0.6136% | 2,154 |
| Noninterest expense to average assets | 3.1027% | 834 |
| Loan and lease loss provision to assets | 0.0727% | 1,720 |
| Net operating income to assets | 0.8192% | 3,357 |
| Return on assets (ROA) | 0.8192% | 3,430 |
| Pretax return on assets | 0.9615% | 3,474 |
| Return on Equity (ROE) | 8.6680% | 3,142 |
| Retained earnings to average equity (ytd only) | 8.6680% | 2,047 |
| Net charge-offs to loans | -0.0150% | 3,858 |
| Credit loss provision to net charge-offs | -766.6667% | 3,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 1,223 |
| Assets per employee ($millions) | 4.2390% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8843% | 4,198 |
| Loan loss allowance to noncurrent loans | 350.7317% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 3,381 |
| Noncurrent loans to loans | 0.2521% | 3,196 |
| Net loans and leases to total assets | 61.3288% | 2,358 |
| Net loans and leases to deposits | 67.6570% | 2,740 |
| Net loans and leases to core deposits | 72.3269% | 2,670 |
| Total domestic deposits to total assets | 90.6467% | 523 |
| Equity capital to assets | 9.1106% | 3,579 |
| Core capital (leverage) ratio | 9.2157% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,470,500 | 3,775 |
| Average earning assets | $99,568,000 | 3,983 |
| Average equity | $11,952,000 | 4,006 |
| Average total loans | $79,829,000 | 3,562 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3515% | 239 |
| Cost of funding earning assets | 0.7616% | 1,390 |
| Net interest margin | 4.5899% | 268 |
| Noninterest income to average assets | 0.5891% | 2,259 |
| Noninterest expense to average assets | 3.3123% | 893 |
| Loan and lease loss provision to assets | 0.0811% | 3,361 |
| Net operating income to assets | 0.8095% | 3,054 |
| Return on assets (ROA) | 0.8695% | 2,963 |
| Pretax return on assets | 1.0468% | 2,892 |
| Return on Equity (ROE) | 8.7708% | 2,480 |
| Retained earnings to average equity (ytd only) | 8.7708% | 831 |
| Net charge-offs to loans | 0.0092% | 2,993 |
| Credit loss provision to net charge-offs | 1,314.2857% | 633 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 518 |
| Efficiency ratio | 75.8328% | 1,252 |
| Assets per employee ($millions) | 3.7979% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 4,233 |
| Loan loss allowance to noncurrent loans | 374.5946% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 3,519 |
| Noncurrent loans to loans | 0.2361% | 3,353 |
| Net loans and leases to total assets | 63.8962% | 2,379 |
| Net loans and leases to deposits | 71.0450% | 2,777 |
| Net loans and leases to core deposits | 76.2924% | 2,708 |
| Total domestic deposits to total assets | 89.9377% | 591 |
| Equity capital to assets | 9.8179% | 3,299 |
| Core capital (leverage) ratio | 9.8616% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,396,600 | 3,837 |
| Average earning assets | $93,357,400 | 3,984 |
| Average equity | $11,241,800 | 4,051 |
| Average total loans | $75,987,200 | 3,622 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3920% | 284 |
| Cost of funding earning assets | 0.7991% | 1,502 |
| Net interest margin | 4.5929% | 311 |
| Noninterest income to average assets | 0.5723% | 2,294 |
| Noninterest expense to average assets | 3.3272% | 868 |
| Loan and lease loss provision to assets | 0.0826% | 3,283 |
| Net operating income to assets | 0.8031% | 3,077 |
| Return on assets (ROA) | 0.8836% | 2,888 |
| Pretax return on assets | 1.0727% | 2,844 |
| Return on Equity (ROE) | 8.8893% | 2,442 |
| Retained earnings to average equity (ytd only) | 8.8893% | 1,013 |
| Net charge-offs to loans | 0.0106% | 2,726 |
| Credit loss provision to net charge-offs | 1,150.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 147.1667% | 612 |
| Efficiency ratio | 75.8875% | 1,214 |
| Assets per employee ($millions) | 3.7541% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 4,243 |
| Loan loss allowance to noncurrent loans | 11,183.3333% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,498 |
| Noncurrent loans to loans | 0.0075% | 4,421 |
| Net loans and leases to total assets | 65.6517% | 2,561 |
| Net loans and leases to deposits | 72.9915% | 3,035 |
| Net loans and leases to core deposits | 78.6588% | 2,951 |
| Total domestic deposits to total assets | 89.9443% | 445 |
| Equity capital to assets | 9.6928% | 3,522 |
| Core capital (leverage) ratio | 9.3514% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,362,500 | 3,859 |
| Average earning assets | $92,430,500 | 3,993 |
| Average equity | $11,069,250 | 4,072 |
| Average total loans | $75,397,000 | 3,655 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4586% | 360 |
| Cost of funding earning assets | 0.8130% | 1,765 |
| Net interest margin | 4.6456% | 382 |
| Noninterest income to average assets | 0.5570% | 2,320 |
| Noninterest expense to average assets | 3.3346% | 944 |
| Loan and lease loss provision to assets | 0.0848% | 3,221 |
| Net operating income to assets | 0.8136% | 2,995 |
| Return on assets (ROA) | 0.9406% | 2,664 |
| Pretax return on assets | 1.1250% | 2,633 |
| Return on Equity (ROE) | 9.3770% | 2,213 |
| Retained earnings to average equity (ytd only) | 9.3770% | 917 |
| Net charge-offs to loans | 0.0135% | 2,483 |
| Credit loss provision to net charge-offs | 920.0000% | 837 |
| Earnings coverage of net charge-offs (x) | 114.8000% | 646 |
| Efficiency ratio | 75.9026% | 1,273 |
| Assets per employee ($millions) | 4.0109% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 4,183 |
| Loan loss allowance to noncurrent loans | 1,030.1587% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 4,273 |
| Noncurrent loans to loans | 0.0828% | 4,127 |
| Net loans and leases to total assets | 62.7194% | 3,047 |
| Net loans and leases to deposits | 69.4978% | 3,459 |
| Net loans and leases to core deposits | 74.9667% | 3,372 |
| Total domestic deposits to total assets | 90.2467% | 336 |
| Equity capital to assets | 9.4442% | 3,709 |
| Core capital (leverage) ratio | 9.7238% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,439,667 | 3,889 |
| Average earning assets | $89,547,000 | 4,030 |
| Average equity | $10,877,667 | 4,103 |
| Average total loans | $74,016,333 | 3,681 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5238% | 363 |
| Cost of funding earning assets | 0.8126% | 2,309 |
| Net interest margin | 4.7112% | 320 |
| Noninterest income to average assets | 0.5698% | 2,179 |
| Noninterest expense to average assets | 3.3992% | 1,066 |
| Loan and lease loss provision to assets | 0.0898% | 2,564 |
| Net operating income to assets | 0.9085% | 2,493 |
| Return on assets (ROA) | 0.9405% | 2,483 |
| Pretax return on assets | 1.1474% | 2,368 |
| Return on Equity (ROE) | 9.0648% | 2,085 |
| Retained earnings to average equity (ytd only) | 9.0648% | 960 |
| Net charge-offs to loans | 0.0274% | 1,829 |
| Credit loss provision to net charge-offs | 460.0000% | 925 |
| Earnings coverage of net charge-offs (x) | 61.4000% | 796 |
| Efficiency ratio | 73.9389% | 1,826 |
| Assets per employee ($millions) | 3.5039% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 4,283 |
| Loan loss allowance to noncurrent loans | 342.6230% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 3,798 |
| Noncurrent loans to loans | 0.2475% | 3,599 |
| Net loans and leases to total assets | 69.7353% | 2,288 |
| Net loans and leases to deposits | 77.6260% | 2,927 |
| Net loans and leases to core deposits | 85.3104% | 2,731 |
| Total domestic deposits to total assets | 89.8350% | 377 |
| Equity capital to assets | 10.0422% | 3,740 |
| Core capital (leverage) ratio | 10.3830% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,495,500 | 3,951 |
| Average earning assets | $87,621,000 | 4,059 |
| Average equity | $10,634,500 | 4,157 |
| Average total loans | $72,965,500 | 3,704 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7004% | 400 |
| Cost of funding earning assets | 0.8248% | 2,564 |
| Net interest margin | 4.8756% | 345 |
| Noninterest income to average assets | 0.5200% | 2,626 |
| Noninterest expense to average assets | 3.1959% | 1,531 |
| Loan and lease loss provision to assets | 0.3187% | 504 |
| Net operating income to assets | 0.7992% | 3,557 |
| Return on assets (ROA) | 0.7992% | 3,646 |
| Pretax return on assets | 0.9823% | 3,506 |
| Return on Equity (ROE) | 7.7405% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.7405% | 1,065 |
| Net charge-offs to loans | 0.1409% | 1,384 |
| Credit loss provision to net charge-offs | 331.5789% | 840 |
| Earnings coverage of net charge-offs (x) | 13.5368% | 2,352 |
| Efficiency ratio | 71.0686% | 2,012 |
| Assets per employee ($millions) | 3.5655% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 4,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 71.5114% | 2,168 |
| Net loans and leases to deposits | 80.2509% | 2,751 |
| Net loans and leases to core deposits | 87.5707% | 2,645 |
| Total domestic deposits to total assets | 89.1098% | 624 |
| Equity capital to assets | 10.7309% | 3,230 |
| Core capital (leverage) ratio | 10.4988% | 2,955 |
| Tier 1 risk-based capital ratio | 14.7153% | 2,899 |
| Total risk-based capital ratio | 15.5637% | 3,026 |
| Memoranda: | ||
| Average total assets | $98,846,000 | 4,019 |
| Average earning assets | $80,626,000 | 4,176 |
| Average equity | $10,206,000 | 4,214 |
| Average total loans | $67,402,400 | 3,826 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6969% | 414 |
| Cost of funding earning assets | 0.8203% | 2,613 |
| Net interest margin | 4.8766% | 362 |
| Noninterest income to average assets | 0.5084% | 2,675 |
| Noninterest expense to average assets | 3.2210% | 1,421 |
| Loan and lease loss provision to assets | 0.3016% | 490 |
| Net operating income to assets | 0.7194% | 3,951 |
| Return on assets (ROA) | 0.7194% | 4,017 |
| Pretax return on assets | 0.9006% | 3,873 |
| Return on Equity (ROE) | 7.0374% | 3,663 |
| Retained earnings to average equity (ytd only) | 7.0374% | 1,844 |
| Net charge-offs to loans | 0.1469% | 1,105 |
| Credit loss provision to net charge-offs | 305.4795% | 940 |
| Earnings coverage of net charge-offs (x) | 12.1782% | 2,378 |
| Efficiency ratio | 72.8218% | 1,725 |
| Assets per employee ($millions) | 3.5040% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7656% | 4,507 |
| Loan loss allowance to noncurrent loans | 657.3171% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 4,302 |
| Noncurrent loans to loans | 0.1165% | 4,129 |
| Net loans and leases to total assets | 71.2064% | 2,288 |
| Net loans and leases to deposits | 79.9940% | 2,898 |
| Net loans and leases to core deposits | 87.7377% | 2,759 |
| Total domestic deposits to total assets | 89.0146% | 605 |
| Equity capital to assets | 10.6807% | 3,397 |
| Core capital (leverage) ratio | 10.2369% | 3,378 |
| Tier 1 risk-based capital ratio | 14.6766% | 2,996 |
| Total risk-based capital ratio | 15.4442% | 3,136 |
| Memoranda: | ||
| Average total assets | $98,599,250 | 4,066 |
| Average earning assets | $79,151,750 | 4,255 |
| Average equity | $10,079,250 | 4,275 |
| Average total loans | $66,252,750 | 3,892 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5717% | 497 |
| Cost of funding earning assets | 0.8015% | 2,635 |
| Net interest margin | 4.7702% | 433 |
| Noninterest income to average assets | 0.4921% | 2,716 |
| Noninterest expense to average assets | 3.2583% | 1,367 |
| Loan and lease loss provision to assets | 0.2633% | 571 |
| Net operating income to assets | 0.5913% | 4,328 |
| Return on assets (ROA) | 0.5913% | 4,368 |
| Pretax return on assets | 0.7189% | 4,288 |
| Return on Equity (ROE) | 5.8717% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.8717% | 2,340 |
| Net charge-offs to loans | 0.0247% | 2,357 |
| Credit loss provision to net charge-offs | 1,625.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 60.6250% | 975 |
| Efficiency ratio | 76.8386% | 1,293 |
| Assets per employee ($millions) | 3.5025% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 4,613 |
| Loan loss allowance to noncurrent loans | 136.2667% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3692% | 3,036 |
| Noncurrent loans to loans | 0.5463% | 2,632 |
| Net loans and leases to total assets | 67.0785% | 2,955 |
| Net loans and leases to deposits | 74.7794% | 3,448 |
| Net loans and leases to core deposits | 79.8493% | 3,436 |
| Total domestic deposits to total assets | 89.7019% | 416 |
| Equity capital to assets | 10.0402% | 3,942 |
| Core capital (leverage) ratio | 10.4277% | 3,162 |
| Tier 1 risk-based capital ratio | 14.3131% | 3,156 |
| Total risk-based capital ratio | 15.0398% | 3,322 |
| Memoranda: | ||
| Average total assets | $98,761,670 | 4,090 |
| Average earning assets | $77,606,670 | 4,301 |
| Average equity | $9,946,000 | 4,307 |
| Average total loans | $64,870,000 | 3,961 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3768% | 661 |
| Cost of funding earning assets | 0.7915% | 2,587 |
| Net interest margin | 4.5854% | 627 |
| Noninterest income to average assets | 0.4807% | 2,674 |
| Noninterest expense to average assets | 3.3198% | 1,249 |
| Loan and lease loss provision to assets | 0.1972% | 821 |
| Net operating income to assets | 0.4848% | 4,559 |
| Return on assets (ROA) | 0.4848% | 4,580 |
| Pretax return on assets | 0.5341% | 4,617 |
| Return on Equity (ROE) | 4.8065% | 4,381 |
| Retained earnings to average equity (ytd only) | 4.8065% | 2,990 |
| Net charge-offs to loans | 0.0127% | 2,241 |
| Credit loss provision to net charge-offs | 2,400.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 717 |
| Efficiency ratio | 81.9473% | 881 |
| Assets per employee ($millions) | 2.9010% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6661% | 4,835 |
| Loan loss allowance to noncurrent loans | 108.4788% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 2,918 |
| Noncurrent loans to loans | 0.6140% | 2,493 |
| Net loans and leases to total assets | 67.7642% | 2,787 |
| Net loans and leases to deposits | 75.8152% | 3,274 |
| Net loans and leases to core deposits | 80.9423% | 3,279 |
| Total domestic deposits to total assets | 89.3808% | 699 |
| Equity capital to assets | 10.3790% | 3,441 |
| Core capital (leverage) ratio | 10.3705% | 3,199 |
| Tier 1 risk-based capital ratio | 14.6392% | 3,041 |
| Total risk-based capital ratio | 15.2831% | 3,241 |
| Memoranda: | ||
| Average total assets | $97,356,500 | 4,143 |
| Average earning assets | $75,806,500 | 4,373 |
| Average equity | $9,820,000 | 4,353 |
| Average total loans | $62,983,000 | 4,030 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2685% | 618 |
| Cost of funding earning assets | 0.6937% | 2,127 |
| Net interest margin | 4.5748% | 643 |
| Noninterest income to average assets | 0.5266% | 2,679 |
| Noninterest expense to average assets | 3.3484% | 1,227 |
| Loan and lease loss provision to assets | 0.1322% | 1,655 |
| Net operating income to assets | 0.5797% | 4,470 |
| Return on assets (ROA) | 0.5797% | 4,478 |
| Pretax return on assets | 0.7131% | 4,380 |
| Return on Equity (ROE) | 6.5922% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.5922% | 1,871 |
| Net charge-offs to loans | 0.0417% | 2,579 |
| Credit loss provision to net charge-offs | 486.9565% | 706 |
| Earnings coverage of net charge-offs (x) | 31.1304% | 1,557 |
| Efficiency ratio | 79.8423% | 974 |
| Assets per employee ($millions) | 2.9994% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6413% | 4,904 |
| Loan loss allowance to noncurrent loans | 82.5902% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4758% | 2,664 |
| Noncurrent loans to loans | 0.7765% | 2,065 |
| Net loans and leases to total assets | 60.8905% | 3,679 |
| Net loans and leases to deposits | 67.6052% | 4,005 |
| Net loans and leases to core deposits | 70.0732% | 4,112 |
| Total domestic deposits to total assets | 90.0678% | 453 |
| Equity capital to assets | 9.8039% | 3,861 |
| Core capital (leverage) ratio | 10.9277% | 2,599 |
| Tier 1 risk-based capital ratio | 14.6581% | 2,988 |
| Total risk-based capital ratio | 15.2416% | 3,222 |
| Memoranda: | ||
| Average total assets | $84,697,600 | 4,348 |
| Average earning assets | $67,894,400 | 4,528 |
| Average equity | $7,448,200 | 4,684 |
| Average total loans | $55,162,600 | 4,205 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1359% | 708 |
| Cost of funding earning assets | 0.6856% | 1,941 |
| Net interest margin | 4.4503% | 818 |
| Noninterest income to average assets | 0.5456% | 2,583 |
| Noninterest expense to average assets | 3.2196% | 1,482 |
| Loan and lease loss provision to assets | 0.1150% | 1,759 |
| Net operating income to assets | 0.6837% | 4,279 |
| Return on assets (ROA) | 0.6837% | 4,291 |
| Pretax return on assets | 0.8595% | 4,145 |
| Return on Equity (ROE) | 8.0568% | 3,529 |
| Retained earnings to average equity (ytd only) | 8.0568% | 1,621 |
| Net charge-offs to loans | 0.0545% | 2,039 |
| Credit loss provision to net charge-offs | 318.1818% | 976 |
| Earnings coverage of net charge-offs (x) | 26.9570% | 1,720 |
| Efficiency ratio | 76.7633% | 1,262 |
| Assets per employee ($millions) | 2.5880% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5852% | 5,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 69.2219% | 2,772 |
| Net loans and leases to deposits | 75.4945% | 3,457 |
| Net loans and leases to core deposits | 78.7508% | 3,595 |
| Total domestic deposits to total assets | 91.6914% | 109 |
| Equity capital to assets | 8.2208% | 5,073 |
| Core capital (leverage) ratio | 8.7561% | 4,918 |
| Tier 1 risk-based capital ratio | 11.3253% | 4,886 |
| Total risk-based capital ratio | 11.8728% | 5,112 |
| Memoranda: | ||
| Average total assets | $81,126,750 | 4,456 |
| Average earning assets | $66,510,500 | 4,601 |
| Average equity | $6,884,250 | 4,815 |
| Average total loans | $53,788,500 | 4,277 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0482% | 732 |
| Cost of funding earning assets | 0.6839% | 1,719 |
| Net interest margin | 4.3643% | 921 |
| Noninterest income to average assets | 0.5270% | 2,715 |
| Noninterest expense to average assets | 3.0163% | 2,000 |
| Loan and lease loss provision to assets | 0.1129% | 1,752 |
| Net operating income to assets | 0.7503% | 4,029 |
| Return on assets (ROA) | 0.7503% | 4,031 |
| Pretax return on assets | 0.9209% | 3,904 |
| Return on Equity (ROE) | 8.7444% | 3,149 |
| Retained earnings to average equity (ytd only) | 8.7444% | 1,303 |
| Net charge-offs to loans | 0.0617% | 1,726 |
| Credit loss provision to net charge-offs | 281.2500% | 1,056 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 1,630 |
| Efficiency ratio | 74.4734% | 1,642 |
| Assets per employee ($millions) | 3.3072% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6104% | 5,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 67.4902% | 2,946 |
| Net loans and leases to deposits | 74.1080% | 3,518 |
| Net loans and leases to core deposits | 77.6081% | 3,608 |
| Total domestic deposits to total assets | 91.0700% | 233 |
| Equity capital to assets | 8.7675% | 4,747 |
| Core capital (leverage) ratio | 8.5249% | 5,091 |
| Tier 1 risk-based capital ratio | 12.5294% | 4,166 |
| Total risk-based capital ratio | 13.1116% | 4,462 |
| Memoranda: | ||
| Average total assets | $79,700,670 | 4,521 |
| Average earning assets | $64,340,330 | 4,687 |
| Average equity | $6,838,670 | 4,871 |
| Average total loans | $51,895,670 | 4,350 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 998 |
| Cost of funding earning assets | 0.6373% | 1,795 |
| Net interest margin | 4.2024% | 1,173 |
| Noninterest income to average assets | 0.4558% | 3,074 |
| Noninterest expense to average assets | 2.8999% | 2,368 |
| Loan and lease loss provision to assets | 0.1052% | 1,766 |
| Net operating income to assets | 0.6411% | 4,307 |
| Return on assets (ROA) | 0.6411% | 4,320 |
| Pretax return on assets | 0.7863% | 4,187 |
| Return on Equity (ROE) | 7.5533% | 3,561 |
| Retained earnings to average equity (ytd only) | 7.5533% | 2,018 |
| Net charge-offs to loans | 0.0472% | 1,648 |
| Credit loss provision to net charge-offs | 350.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 1,246 |
| Efficiency ratio | 76.4861% | 1,525 |
| Assets per employee ($millions) | 3.6641% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 5,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 61.0751% | 3,641 |
| Net loans and leases to deposits | 66.5309% | 4,051 |
| Net loans and leases to core deposits | 69.4503% | 4,116 |
| Total domestic deposits to total assets | 91.7995% | 134 |
| Equity capital to assets | 8.0795% | 5,239 |
| Core capital (leverage) ratio | 8.9333% | 4,754 |
| Tier 1 risk-based capital ratio | 12.4745% | 4,254 |
| Total risk-based capital ratio | 13.0414% | 4,569 |
| Memoranda: | ||
| Average total assets | $79,864,500 | 4,570 |
| Average earning assets | $63,393,000 | 4,763 |
| Average equity | $6,778,500 | 4,934 |
| Average total loans | $50,894,500 | 4,423 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 1,023 |
| Cost of funding earning assets | 0.6534% | 1,279 |
| Net interest margin | 4.1199% | 1,374 |
| Noninterest income to average assets | 0.4864% | 3,089 |
| Noninterest expense to average assets | 3.0205% | 2,114 |
| Loan and lease loss provision to assets | 0.0413% | 3,435 |
| Net operating income to assets | 0.5347% | 4,278 |
| Return on assets (ROA) | 0.5347% | 4,311 |
| Pretax return on assets | 0.7868% | 4,282 |
| Return on Equity (ROE) | 5.9001% | 3,803 |
| Retained earnings to average equity (ytd only) | 5.9001% | 1,589 |
| Net charge-offs to loans | 0.0064% | 3,847 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 200.3333% | 399 |
| Efficiency ratio | 78.4819% | 1,285 |
| Assets per employee ($millions) | 3.4301% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6000% | 5,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 65.8663% | 3,120 |
| Net loans and leases to deposits | 72.3852% | 3,663 |
| Net loans and leases to core deposits | 76.2916% | 3,715 |
| Total domestic deposits to total assets | 90.9941% | 239 |
| Equity capital to assets | 8.9542% | 4,771 |
| Core capital (leverage) ratio | 9.1933% | 4,404 |
| Tier 1 risk-based capital ratio | 13.3989% | 3,687 |
| Total risk-based capital ratio | 13.9912% | 3,965 |
| Memoranda: | ||
| Average total assets | $72,569,800 | 4,733 |
| Average earning assets | $59,224,800 | 4,875 |
| Average equity | $6,576,200 | 5,009 |
| Average total loans | $46,575,800 | 4,549 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 1,176 |
| Cost of funding earning assets | 0.6672% | 1,137 |
| Net interest margin | 4.0168% | 1,646 |
| Noninterest income to average assets | 0.4899% | 3,086 |
| Noninterest expense to average assets | 2.9878% | 2,139 |
| Loan and lease loss provision to assets | 0.0427% | 3,249 |
| Net operating income to assets | 0.4955% | 4,738 |
| Return on assets (ROA) | 0.4955% | 4,780 |
| Pretax return on assets | 0.7219% | 4,554 |
| Return on Equity (ROE) | 5.4508% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.4508% | 2,569 |
| Net charge-offs to loans | 0.0058% | 3,522 |
| Credit loss provision to net charge-offs | 1,150.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 205.7378% | 423 |
| Efficiency ratio | 79.6241% | 1,152 |
| Assets per employee ($millions) | 3.2451% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6059% | 5,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.5584% | 2,906 |
| Net loans and leases to deposits | 74.6776% | 3,504 |
| Net loans and leases to core deposits | 79.4740% | 3,493 |
| Total domestic deposits to total assets | 90.4669% | 338 |
| Equity capital to assets | 9.3735% | 4,571 |
| Core capital (leverage) ratio | 9.1364% | 4,586 |
| Tier 1 risk-based capital ratio | 13.7023% | 3,574 |
| Total risk-based capital ratio | 14.3069% | 3,880 |
| Memoranda: | ||
| Average total assets | $71,846,750 | 4,799 |
| Average earning assets | $58,353,750 | 4,953 |
| Average equity | $6,531,000 | 5,072 |
| Average total loans | $45,718,750 | 4,614 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6523% | 1,154 |
| Cost of funding earning assets | 0.6711% | 1,037 |
| Net interest margin | 3.9812% | 1,669 |
| Noninterest income to average assets | 0.4889% | 3,092 |
| Noninterest expense to average assets | 2.9445% | 2,279 |
| Loan and lease loss provision to assets | 0.0417% | 3,169 |
| Net operating income to assets | 0.4500% | 4,857 |
| Return on assets (ROA) | 0.4500% | 4,879 |
| Pretax return on assets | 0.6667% | 4,643 |
| Return on Equity (ROE) | 5.0021% | 4,474 |
| Retained earnings to average equity (ytd only) | 5.0021% | 2,704 |
| Net charge-offs to loans | 0.0045% | 3,327 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 255.0000% | 334 |
| Efficiency ratio | 80.6084% | 1,146 |
| Assets per employee ($millions) | 4.0661% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6289% | 5,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 61.9588% | 3,637 |
| Net loans and leases to deposits | 68.1602% | 4,060 |
| Net loans and leases to core deposits | 71.8209% | 4,104 |
| Total domestic deposits to total assets | 90.9016% | 246 |
| Equity capital to assets | 9.0177% | 4,881 |
| Core capital (leverage) ratio | 9.1128% | 4,600 |
| Tier 1 risk-based capital ratio | 13.7875% | 3,542 |
| Total risk-based capital ratio | 14.3908% | 3,825 |
| Memoranda: | ||
| Average total assets | $71,998,000 | 4,823 |
| Average earning assets | $57,218,670 | 5,014 |
| Average equity | $6,477,330 | 5,108 |
| Average total loans | $44,783,000 | 4,668 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,208 |
| Cost of funding earning assets | 0.6702% | 978 |
| Net interest margin | 3.9015% | 1,774 |
| Noninterest income to average assets | 0.5154% | 2,871 |
| Noninterest expense to average assets | 2.9467% | 2,309 |
| Loan and lease loss provision to assets | 0.0448% | 2,901 |
| Net operating income to assets | 0.4426% | 4,804 |
| Return on assets (ROA) | 0.4426% | 4,828 |
| Pretax return on assets | 0.6218% | 4,679 |
| Return on Equity (ROE) | 4.9252% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.9252% | 2,931 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5504% | 1,199 |
| Assets per employee ($millions) | 3.9999% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6208% | 5,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 62.4795% | 3,468 |
| Net loans and leases to deposits | 68.6967% | 3,920 |
| Net loans and leases to core deposits | 72.4182% | 3,952 |
| Total domestic deposits to total assets | 90.9497% | 315 |
| Equity capital to assets | 8.9850% | 4,819 |
| Core capital (leverage) ratio | 9.1566% | 4,537 |
| Tier 1 risk-based capital ratio | 13.9689% | 3,501 |
| Total risk-based capital ratio | 14.5751% | 3,789 |
| Memoranda: | ||
| Average total assets | $71,402,500 | 4,890 |
| Average earning assets | $56,696,500 | 5,085 |
| Average equity | $6,416,000 | 5,166 |
| Average total loans | $44,357,500 | 4,718 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 1,501 |
| Cost of funding earning assets | 0.7305% | 698 |
| Net interest margin | 3.7818% | 2,383 |
| Noninterest income to average assets | 0.4616% | 3,473 |
| Noninterest expense to average assets | 2.8032% | 3,010 |
| Loan and lease loss provision to assets | 0.2022% | 1,134 |
| Net operating income to assets | 0.3863% | 4,989 |
| Return on assets (ROA) | 0.3863% | 5,073 |
| Pretax return on assets | 0.3877% | 5,243 |
| Return on Equity (ROE) | 4.3857% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.3857% | 2,790 |
| Net charge-offs to loans | -0.0167% | 5,080 |
| Credit loss provision to net charge-offs | -2,071.4286% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6141% | 1,131 |
| Assets per employee ($millions) | 3.9337% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6260% | 5,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 60.9798% | 3,733 |
| Net loans and leases to deposits | 67.0466% | 4,168 |
| Net loans and leases to core deposits | 70.7337% | 4,178 |
| Total domestic deposits to total assets | 90.9515% | 294 |
| Equity capital to assets | 8.9864% | 4,835 |
| Core capital (leverage) ratio | 8.8633% | 4,893 |
| Tier 1 risk-based capital ratio | 14.5509% | 3,176 |
| Total risk-based capital ratio | 15.1696% | 3,421 |
| Memoranda: | ||
| Average total assets | $71,702,600 | 4,896 |
| Average earning assets | $55,581,400 | 5,136 |
| Average equity | $6,316,000 | 5,225 |
| Average total loans | $41,834,600 | 4,820 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4968% | 1,552 |
| Cost of funding earning assets | 0.7399% | 667 |
| Net interest margin | 3.7569% | 2,499 |
| Noninterest income to average assets | 0.4708% | 3,423 |
| Noninterest expense to average assets | 2.7861% | 3,057 |
| Loan and lease loss provision to assets | 0.1854% | 1,179 |
| Net operating income to assets | 0.4078% | 4,992 |
| Return on assets (ROA) | 0.4078% | 5,086 |
| Pretax return on assets | 0.4078% | 5,290 |
| Return on Equity (ROE) | 4.6529% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.6529% | 3,054 |
| Net charge-offs to loans | -0.0322% | 5,192 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4465% | 1,140 |
| Assets per employee ($millions) | 3.9431% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5307% | 5,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 60.7327% | 3,777 |
| Net loans and leases to deposits | 66.8834% | 4,255 |
| Net loans and leases to core deposits | 71.5068% | 4,201 |
| Total domestic deposits to total assets | 90.8038% | 240 |
| Equity capital to assets | 9.0905% | 5,085 |
| Core capital (leverage) ratio | 8.8000% | 5,056 |
| Tier 1 risk-based capital ratio | 14.0129% | 3,553 |
| Total risk-based capital ratio | 14.5213% | 3,905 |
| Memoranda: | ||
| Average total assets | $71,926,500 | 4,933 |
| Average earning assets | $55,683,000 | 5,180 |
| Average equity | $6,304,250 | 5,282 |
| Average total loans | $41,430,750 | 4,875 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4303% | 1,738 |
| Cost of funding earning assets | 0.7474% | 642 |
| Net interest margin | 3.6829% | 2,768 |
| Noninterest income to average assets | 0.4623% | 3,447 |
| Noninterest expense to average assets | 2.7380% | 3,241 |
| Loan and lease loss provision to assets | 0.2076% | 1,031 |
| Net operating income to assets | 0.3544% | 5,169 |
| Return on assets (ROA) | 0.3544% | 5,256 |
| Pretax return on assets | 0.3544% | 5,414 |
| Return on Equity (ROE) | 4.0927% | 4,876 |
| Retained earnings to average equity (ytd only) | 4.0927% | 3,299 |
| Net charge-offs to loans | -0.0490% | 5,355 |
| Credit loss provision to net charge-offs | -750.0000% | 5,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9698% | 1,150 |
| Assets per employee ($millions) | 3.9270% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4777% | 5,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 60.7207% | 3,785 |
| Net loans and leases to deposits | 66.7927% | 4,282 |
| Net loans and leases to core deposits | 72.8104% | 4,109 |
| Total domestic deposits to total assets | 90.9091% | 207 |
| Equity capital to assets | 8.9919% | 5,244 |
| Core capital (leverage) ratio | 8.7463% | 5,109 |
| Tier 1 risk-based capital ratio | 13.9607% | 3,627 |
| Total risk-based capital ratio | 14.4211% | 4,019 |
| Memoranda: | ||
| Average total assets | $72,243,670 | 4,974 |
| Average earning assets | $55,662,670 | 5,228 |
| Average equity | $6,255,000 | 5,340 |
| Average total loans | $40,796,000 | 4,942 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 1,817 |
| Cost of funding earning assets | 0.7648% | 592 |
| Net interest margin | 3.6293% | 2,972 |
| Noninterest income to average assets | 0.4163% | 3,709 |
| Noninterest expense to average assets | 2.6458% | 3,589 |
| Loan and lease loss provision to assets | 0.1315% | 1,607 |
| Net operating income to assets | 0.3944% | 5,011 |
| Return on assets (ROA) | 0.3944% | 5,088 |
| Pretax return on assets | 0.3944% | 5,319 |
| Return on Equity (ROE) | 4.6418% | 4,647 |
| Retained earnings to average equity (ytd only) | 4.6418% | 3,157 |
| Net charge-offs to loans | -0.2523% | 5,898 |
| Credit loss provision to net charge-offs | -96.0000% | 4,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4197% | 1,211 |
| Assets per employee ($millions) | 4.1066% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4185% | 5,934 |
| Loan loss allowance to noncurrent loans | 435.8974% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 5,406 |
| Noncurrent loans to loans | 0.0960% | 5,089 |
| Net loans and leases to total assets | 54.7187% | 4,382 |
| Net loans and leases to deposits | 59.8417% | 4,728 |
| Net loans and leases to core deposits | 64.9271% | 4,628 |
| Total domestic deposits to total assets | 91.4392% | 173 |
| Equity capital to assets | 8.4864% | 5,576 |
| Core capital (leverage) ratio | 8.5012% | 5,391 |
| Tier 1 risk-based capital ratio | 14.1308% | 3,606 |
| Total risk-based capital ratio | 14.5189% | 4,039 |
| Memoranda: | ||
| Average total assets | $73,022,500 | 5,000 |
| Average earning assets | $55,438,000 | 5,285 |
| Average equity | $6,204,500 | 5,384 |
| Average total loans | $39,630,500 | 5,020 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 2,444 |
| Cost of funding earning assets | 0.8435% | 388 |
| Net interest margin | 3.3905% | 3,950 |
| Noninterest income to average assets | 0.3998% | 4,037 |
| Noninterest expense to average assets | 2.6022% | 3,916 |
| Loan and lease loss provision to assets | 0.0415% | 3,505 |
| Net operating income to assets | 0.3417% | 5,237 |
| Return on assets (ROA) | 0.4081% | 5,110 |
| Pretax return on assets | 0.4081% | 5,305 |
| Return on Equity (ROE) | 4.8718% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.8718% | 2,515 |
| Net charge-offs to loans | 0.2807% | 1,085 |
| Credit loss provision to net charge-offs | 28.8462% | 3,671 |
| Earnings coverage of net charge-offs (x) | 2.6635% | 3,854 |
| Efficiency ratio | 87.1640% | 895 |
| Assets per employee ($millions) | 4.2428% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3131% | 6,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 53.4100% | 4,550 |
| Net loans and leases to deposits | 58.4160% | 4,887 |
| Net loans and leases to core deposits | 63.1835% | 4,785 |
| Total domestic deposits to total assets | 91.4304% | 191 |
| Equity capital to assets | 8.5072% | 5,558 |
| Core capital (leverage) ratio | 8.2426% | 5,650 |
| Tier 1 risk-based capital ratio | 14.5756% | 3,398 |
| Total risk-based capital ratio | 14.8639% | 3,871 |
| Memoranda: | ||
| Average total assets | $72,285,200 | 5,035 |
| Average earning assets | $55,124,600 | 5,320 |
| Average equity | $6,055,200 | 5,423 |
| Average total loans | $37,053,600 | 5,120 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1952% | 2,588 |
| Cost of funding earning assets | 0.8497% | 375 |
| Net interest margin | 3.3455% | 4,159 |
| Noninterest income to average assets | 0.3927% | 4,131 |
| Noninterest expense to average assets | 2.5698% | 3,980 |
| Loan and lease loss provision to assets | 0.0350% | 3,523 |
| Net operating income to assets | 0.3429% | 5,335 |
| Return on assets (ROA) | 0.4185% | 5,179 |
| Pretax return on assets | 0.4185% | 5,428 |
| Return on Equity (ROE) | 5.0151% | 4,620 |
| Retained earnings to average equity (ytd only) | 5.0151% | 2,904 |
| Net charge-offs to loans | 0.0036% | 4,055 |
| Credit loss provision to net charge-offs | 1,900.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 205.5113% | 356 |
| Efficiency ratio | 87.1795% | 919 |
| Assets per employee ($millions) | 4.3598% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5567% | 5,953 |
| Loan loss allowance to noncurrent loans | 186.8421% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 5,148 |
| Noncurrent loans to loans | 0.2979% | 4,529 |
| Net loans and leases to total assets | 51.3371% | 4,819 |
| Net loans and leases to deposits | 56.0327% | 5,120 |
| Net loans and leases to core deposits | 60.5770% | 5,026 |
| Total domestic deposits to total assets | 91.6199% | 136 |
| Equity capital to assets | 8.2762% | 5,837 |
| Core capital (leverage) ratio | 8.3135% | 5,710 |
| Tier 1 risk-based capital ratio | 14.2827% | 3,680 |
| Total risk-based capital ratio | 14.7854% | 4,049 |
| Memoranda: | ||
| Average total assets | $72,324,750 | 5,093 |
| Average earning assets | $55,236,500 | 5,381 |
| Average equity | $6,035,000 | 5,491 |
| Average total loans | $36,656,000 | 5,190 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 2,422 |
| Cost of funding earning assets | 0.8552% | 372 |
| Net interest margin | 3.3773% | 3,977 |
| Noninterest income to average assets | 0.3653% | 4,330 |
| Noninterest expense to average assets | 2.5597% | 4,043 |
| Loan and lease loss provision to assets | 0.0362% | 3,399 |
| Net operating income to assets | 0.3569% | 5,268 |
| Return on assets (ROA) | 0.4712% | 4,981 |
| Pretax return on assets | 0.4712% | 5,298 |
| Return on Equity (ROE) | 5.6315% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.6315% | 2,445 |
| Net charge-offs to loans | 0.0055% | 3,707 |
| Credit loss provision to net charge-offs | 1,300.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 450 |
| Efficiency ratio | 86.6856% | 1,000 |
| Assets per employee ($millions) | 4.3578% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5804% | 6,004 |
| Loan loss allowance to noncurrent loans | 133.5484% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 5,031 |
| Noncurrent loans to loans | 0.4346% | 4,178 |
| Net loans and leases to total assets | 47.8672% | 5,119 |
| Net loans and leases to deposits | 52.1501% | 5,372 |
| Net loans and leases to core deposits | 56.3571% | 5,287 |
| Total domestic deposits to total assets | 91.7875% | 153 |
| Equity capital to assets | 8.1275% | 5,923 |
| Core capital (leverage) ratio | 8.2603% | 5,742 |
| Tier 1 risk-based capital ratio | 15.0880% | 3,310 |
| Total risk-based capital ratio | 15.6090% | 3,645 |
| Memoranda: | ||
| Average total assets | $71,727,670 | 5,163 |
| Average earning assets | $54,955,670 | 5,441 |
| Average equity | $6,002,000 | 5,550 |
| Average total loans | $36,120,670 | 5,252 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1749% | 2,548 |
| Cost of funding earning assets | 0.8523% | 376 |
| Net interest margin | 3.3226% | 4,122 |
| Noninterest income to average assets | 0.3629% | 4,310 |
| Noninterest expense to average assets | 2.5967% | 3,941 |
| Loan and lease loss provision to assets | 0.0340% | 3,213 |
| Net operating income to assets | 0.3402% | 5,278 |
| Return on assets (ROA) | 0.5726% | 4,500 |
| Pretax return on assets | 0.5726% | 4,990 |
| Return on Equity (ROE) | 6.7418% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.7418% | 2,129 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4046% | 1,066 |
| Assets per employee ($millions) | 4.4930% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5373% | 6,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 51.7569% | 4,682 |
| Net loans and leases to deposits | 56.5559% | 5,015 |
| Net loans and leases to core deposits | 61.2653% | 4,889 |
| Total domestic deposits to total assets | 91.5146% | 228 |
| Equity capital to assets | 8.4256% | 5,787 |
| Core capital (leverage) ratio | 8.4956% | 5,522 |
| Tier 1 risk-based capital ratio | 14.8858% | 3,489 |
| Total risk-based capital ratio | 15.3908% | 3,852 |
| Memoranda: | ||
| Average total assets | $70,550,500 | 5,244 |
| Average earning assets | $55,378,500 | 5,481 |
| Average equity | $5,992,500 | 5,600 |
| Average total loans | $36,347,000 | 5,281 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9038% | 4,112 |
| Cost of funding earning assets | 0.8582% | 485 |
| Net interest margin | 3.0456% | 5,331 |
| Noninterest income to average assets | 0.3743% | 4,390 |
| Noninterest expense to average assets | 2.7200% | 3,790 |
| Loan and lease loss provision to assets | 0.0359% | 3,873 |
| Net operating income to assets | 0.2807% | 5,568 |
| Return on assets (ROA) | 0.3135% | 5,555 |
| Pretax return on assets | 0.3135% | 5,677 |
| Return on Equity (ROE) | 3.4644% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.4644% | 3,742 |
| Net charge-offs to loans | 0.0061% | 4,808 |
| Credit loss provision to net charge-offs | 1,150.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 101.5000% | 519 |
| Efficiency ratio | 89.5737% | 870 |
| Assets per employee ($millions) | 4.3258% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5555% | 6,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 50.6986% | 4,897 |
| Net loans and leases to deposits | 55.4756% | 5,214 |
| Net loans and leases to core deposits | 60.2776% | 5,126 |
| Total domestic deposits to total assets | 91.3889% | 252 |
| Equity capital to assets | 8.5649% | 5,677 |
| Core capital (leverage) ratio | 8.3923% | 5,671 |
| Tier 1 risk-based capital ratio | 15.1330% | 3,419 |
| Total risk-based capital ratio | 15.6422% | 3,776 |
| Memoranda: | ||
| Average total assets | $64,116,600 | 5,440 |
| Average earning assets | $56,048,400 | 5,520 |
| Average equity | $5,801,800 | 5,661 |
| Average total loans | $32,944,800 | 5,449 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 4,384 |
| Cost of funding earning assets | 0.8534% | 531 |
| Net interest margin | 2.9929% | 5,518 |
| Noninterest income to average assets | 0.3777% | 4,416 |
| Noninterest expense to average assets | 2.7497% | 3,639 |
| Loan and lease loss provision to assets | 0.0382% | 3,641 |
| Net operating income to assets | 0.2610% | 5,710 |
| Return on assets (ROA) | 0.3055% | 5,638 |
| Pretax return on assets | 0.3055% | 5,762 |
| Return on Equity (ROE) | 3.3274% | 5,419 |
| Retained earnings to average equity (ytd only) | 3.3274% | 4,250 |
| Net charge-offs to loans | 0.0083% | 4,427 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 70.4120% | 775 |
| Efficiency ratio | 90.1879% | 832 |
| Assets per employee ($millions) | 4.4698% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5617% | 6,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 50.1663% | 4,988 |
| Net loans and leases to deposits | 55.0167% | 5,305 |
| Net loans and leases to core deposits | 61.3151% | 5,087 |
| Total domestic deposits to total assets | 91.1838% | 309 |
| Equity capital to assets | 8.7043% | 5,634 |
| Core capital (leverage) ratio | 8.5192% | 5,641 |
| Tier 1 risk-based capital ratio | 15.4995% | 3,321 |
| Total risk-based capital ratio | 16.0101% | 3,667 |
| Memoranda: | ||
| Average total assets | $62,842,500 | 5,539 |
| Average earning assets | $56,087,250 | 5,579 |
| Average equity | $5,770,250 | 5,721 |
| Average total loans | $32,359,500 | 5,521 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 4,601 |
| Cost of funding earning assets | 0.8608% | 529 |
| Net interest margin | 2.9161% | 5,711 |
| Noninterest income to average assets | 0.3776% | 4,428 |
| Noninterest expense to average assets | 2.7376% | 3,739 |
| Loan and lease loss provision to assets | 0.0391% | 3,526 |
| Net operating income to assets | 0.2474% | 5,722 |
| Return on assets (ROA) | 0.3158% | 5,591 |
| Pretax return on assets | 0.3158% | 5,753 |
| Return on Equity (ROE) | 3.3749% | 5,393 |
| Retained earnings to average equity (ytd only) | 3.3749% | 4,054 |
| Net charge-offs to loans | 0.0063% | 4,162 |
| Credit loss provision to net charge-offs | 1,200.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 615 |
| Efficiency ratio | 90.5274% | 877 |
| Assets per employee ($millions) | 4.2507% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5558% | 6,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.6295% | 4,784 |
| Net loans and leases to deposits | 56.8805% | 5,131 |
| Net loans and leases to core deposits | 63.7743% | 4,837 |
| Total domestic deposits to total assets | 90.7685% | 483 |
| Equity capital to assets | 9.1515% | 5,155 |
| Core capital (leverage) ratio | 9.1678% | 4,793 |
| Tier 1 risk-based capital ratio | 15.4655% | 3,371 |
| Total risk-based capital ratio | 15.9629% | 3,756 |
| Memoranda: | ||
| Average total assets | $61,441,000 | 5,624 |
| Average earning assets | $55,760,000 | 5,633 |
| Average equity | $5,748,330 | 5,766 |
| Average total loans | $31,871,000 | 5,585 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7252% | 4,756 |
| Cost of funding earning assets | 0.8680% | 531 |
| Net interest margin | 2.8572% | 5,836 |
| Noninterest income to average assets | 0.3716% | 4,421 |
| Noninterest expense to average assets | 2.6078% | 4,241 |
| Loan and lease loss provision to assets | 0.0398% | 3,281 |
| Net operating income to assets | 0.3450% | 5,329 |
| Return on assets (ROA) | 0.3450% | 5,391 |
| Pretax return on assets | 0.3450% | 5,606 |
| Return on Equity (ROE) | 3.6459% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.6459% | 3,947 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1397% | 1,328 |
| Assets per employee ($millions) | 4.3715% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5718% | 6,440 |
| Loan loss allowance to noncurrent loans | 18,000.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 6,346 |
| Noncurrent loans to loans | 0.0032% | 6,184 |
| Net loans and leases to total assets | 51.1462% | 4,775 |
| Net loans and leases to deposits | 56.4794% | 5,078 |
| Net loans and leases to core deposits | 64.9486% | 4,599 |
| Total domestic deposits to total assets | 90.5573% | 769 |
| Equity capital to assets | 9.3887% | 4,646 |
| Core capital (leverage) ratio | 9.3269% | 4,532 |
| Tier 1 risk-based capital ratio | 16.0930% | 3,128 |
| Total risk-based capital ratio | 16.6033% | 3,474 |
| Memoranda: | ||
| Average total assets | $60,281,500 | 5,702 |
| Average earning assets | $55,298,500 | 5,691 |
| Average equity | $5,705,000 | 5,819 |
| Average total loans | $31,255,000 | 5,662 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 4,239 |
| Cost of funding earning assets | 0.9621% | 546 |
| Net interest margin | 2.9984% | 5,584 |
| Noninterest income to average assets | 0.3328% | 4,955 |
| Noninterest expense to average assets | 2.5499% | 4,613 |
| Loan and lease loss provision to assets | 0.0281% | 4,552 |
| Net operating income to assets | 0.4123% | 5,106 |
| Return on assets (ROA) | 0.4239% | 5,172 |
| Pretax return on assets | 0.4239% | 5,431 |
| Return on Equity (ROE) | 4.5313% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.5313% | 2,948 |
| Net charge-offs to loans | 0.0228% | 4,975 |
| Credit loss provision to net charge-offs | 242.8571% | 946 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 987 |
| Efficiency ratio | 85.2713% | 1,494 |
| Assets per employee ($millions) | 4.2401% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5608% | 6,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 51.9760% | 4,850 |
| Net loans and leases to deposits | 57.5237% | 5,164 |
| Net loans and leases to core deposits | 66.8139% | 4,630 |
| Total domestic deposits to total assets | 90.3558% | 901 |
| Equity capital to assets | 9.5415% | 4,364 |
| Core capital (leverage) ratio | 9.2652% | 4,610 |
| Tier 1 risk-based capital ratio | 16.3526% | 2,932 |
| Total risk-based capital ratio | 16.8586% | 3,259 |
| Memoranda: | ||
| Average total assets | $60,394,600 | 5,742 |
| Average earning assets | $53,528,000 | 5,786 |
| Average equity | $5,649,600 | 5,894 |
| Average total loans | $30,738,000 | 5,724 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9662% | 4,257 |
| Cost of funding earning assets | 0.9740% | 562 |
| Net interest margin | 2.9922% | 5,617 |
| Noninterest income to average assets | 0.3385% | 4,986 |
| Noninterest expense to average assets | 2.5500% | 4,554 |
| Loan and lease loss provision to assets | 0.0264% | 4,478 |
| Net operating income to assets | 0.3891% | 5,287 |
| Return on assets (ROA) | 0.3891% | 5,424 |
| Pretax return on assets | 0.3891% | 5,651 |
| Return on Equity (ROE) | 4.1798% | 5,138 |
| Retained earnings to average equity (ytd only) | 4.1798% | 3,710 |
| Net charge-offs to loans | 0.0304% | 4,525 |
| Credit loss provision to net charge-offs | 171.4286% | 1,391 |
| Earnings coverage of net charge-offs (x) | 27.0086% | 1,326 |
| Efficiency ratio | 85.9896% | 1,362 |
| Assets per employee ($millions) | 4.4321% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5310% | 6,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 51.3240% | 4,960 |
| Net loans and leases to deposits | 56.5588% | 5,325 |
| Net loans and leases to core deposits | 66.2327% | 4,690 |
| Total domestic deposits to total assets | 90.7444% | 636 |
| Equity capital to assets | 9.1267% | 5,018 |
| Core capital (leverage) ratio | 9.2755% | 4,720 |
| Tier 1 risk-based capital ratio | 15.5044% | 3,469 |
| Total risk-based capital ratio | 15.9798% | 3,893 |
| Memoranda: | ||
| Average total assets | $60,652,750 | 5,803 |
| Average earning assets | $53,249,000 | 5,855 |
| Average equity | $5,646,000 | 5,961 |
| Average total loans | $30,665,500 | 5,779 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,913 |
| Cost of funding earning assets | 1.0113% | 516 |
| Net interest margin | 3.0416% | 5,459 |
| Noninterest income to average assets | 0.3389% | 4,964 |
| Noninterest expense to average assets | 2.5321% | 4,619 |
| Loan and lease loss provision to assets | 0.0266% | 4,387 |
| Net operating income to assets | 0.3988% | 5,219 |
| Return on assets (ROA) | 0.3988% | 5,384 |
| Pretax return on assets | 0.3988% | 5,641 |
| Return on Equity (ROE) | 4.2551% | 5,111 |
| Retained earnings to average equity (ytd only) | 4.2551% | 3,588 |
| Net charge-offs to loans | 0.0066% | 4,756 |
| Credit loss provision to net charge-offs | 800.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 378 |
| Efficiency ratio | 85.6180% | 1,453 |
| Assets per employee ($millions) | 4.1781% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5525% | 6,662 |
| Loan loss allowance to noncurrent loans | 4,300.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 6,544 |
| Noncurrent loans to loans | 0.0128% | 6,393 |
| Net loans and leases to total assets | 52.9294% | 4,747 |
| Net loans and leases to deposits | 58.6097% | 5,108 |
| Net loans and leases to core deposits | 69.3440% | 4,347 |
| Total domestic deposits to total assets | 90.3082% | 855 |
| Equity capital to assets | 9.5413% | 4,531 |
| Core capital (leverage) ratio | 9.0645% | 4,890 |
| Tier 1 risk-based capital ratio | 15.9484% | 3,222 |
| Total risk-based capital ratio | 16.4482% | 3,615 |
| Memoranda: | ||
| Average total assets | $60,187,330 | 5,851 |
| Average earning assets | $51,814,000 | 5,941 |
| Average equity | $5,640,330 | 6,008 |
| Average total loans | $30,215,330 | 5,840 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 3,992 |
| Cost of funding earning assets | 1.0430% | 488 |
| Net interest margin | 2.9889% | 5,601 |
| Noninterest income to average assets | 0.3277% | 5,084 |
| Noninterest expense to average assets | 2.5101% | 4,718 |
| Loan and lease loss provision to assets | 0.0197% | 4,223 |
| Net operating income to assets | 0.3146% | 5,518 |
| Return on assets (ROA) | 0.3146% | 5,648 |
| Pretax return on assets | 0.3146% | 5,825 |
| Return on Equity (ROE) | 3.3862% | 5,397 |
| Retained earnings to average equity (ytd only) | 3.3862% | 4,224 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2488% | 1,306 |
| Assets per employee ($millions) | 4.8674% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5393% | 6,759 |
| Loan loss allowance to noncurrent loans | 5,600.0000% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,622 |
| Noncurrent loans to loans | 0.0096% | 6,480 |
| Net loans and leases to total assets | 48.9633% | 5,115 |
| Net loans and leases to deposits | 53.8256% | 5,451 |
| Net loans and leases to core deposits | 63.1500% | 4,833 |
| Total domestic deposits to total assets | 90.9666% | 536 |
| Equity capital to assets | 8.9592% | 5,541 |
| Core capital (leverage) ratio | 8.8788% | 5,083 |
| Tier 1 risk-based capital ratio | 14.9784% | 3,852 |
| Total risk-based capital ratio | 15.4431% | 4,335 |
| Memoranda: | ||
| Average total assets | $61,034,500 | 5,885 |
| Average earning assets | $51,390,500 | 6,010 |
| Average equity | $5,670,000 | 6,057 |
| Average total loans | $29,757,000 | 5,905 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 4,721 |
| Cost of funding earning assets | 1.2370% | 488 |
| Net interest margin | 2.9259% | 6,181 |
| Noninterest income to average assets | 0.3172% | 5,189 |
| Noninterest expense to average assets | 2.4698% | 5,190 |
| Loan and lease loss provision to assets | 0.0156% | 5,706 |
| Net operating income to assets | 0.3570% | 5,265 |
| Return on assets (ROA) | 0.3570% | 5,495 |
| Pretax return on assets | 0.3570% | 5,693 |
| Return on Equity (ROE) | 3.6961% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.6961% | 3,615 |
| Net charge-offs to loans | 0.0106% | 5,782 |
| Credit loss provision to net charge-offs | 300.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 71.6667% | 516 |
| Efficiency ratio | 86.8902% | 1,341 |
| Assets per employee ($millions) | 4.1995% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5782% | 6,785 |
| Loan loss allowance to noncurrent loans | 5,466.6667% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 6,689 |
| Noncurrent loans to loans | 0.0106% | 6,534 |
| Net loans and leases to total assets | 47.9649% | 5,421 |
| Net loans and leases to deposits | 53.1143% | 5,730 |
| Net loans and leases to core deposits | 62.6333% | 5,095 |
| Total domestic deposits to total assets | 90.3050% | 798 |
| Equity capital to assets | 9.6457% | 4,664 |
| Core capital (leverage) ratio | 8.9087% | 5,033 |
| Tier 1 risk-based capital ratio | 16.1862% | 3,055 |
| Total risk-based capital ratio | 16.6807% | 3,432 |
| Memoranda: | ||
| Average total assets | $57,697,000 | 5,981 |
| Average earning assets | $49,796,200 | 6,060 |
| Average equity | $5,573,400 | 6,130 |
| Average total loans | $28,387,200 | 6,023 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 4,959 |
| Cost of funding earning assets | 1.2647% | 520 |
| Net interest margin | 2.8919% | 6,374 |
| Noninterest income to average assets | 0.3158% | 5,254 |
| Noninterest expense to average assets | 2.4380% | 5,280 |
| Loan and lease loss provision to assets | 0.0162% | 5,604 |
| Net operating income to assets | 0.3622% | 5,395 |
| Return on assets (ROA) | 0.3622% | 5,599 |
| Pretax return on assets | 0.3622% | 5,810 |
| Return on Equity (ROE) | 3.7482% | 5,384 |
| Retained earnings to average equity (ytd only) | 3.7482% | 4,257 |
| Net charge-offs to loans | 0.0141% | 5,498 |
| Credit loss provision to net charge-offs | 233.3333% | 1,187 |
| Earnings coverage of net charge-offs (x) | 54.3325% | 709 |
| Efficiency ratio | 86.5622% | 1,336 |
| Assets per employee ($millions) | 4.4860% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5506% | 6,918 |
| Loan loss allowance to noncurrent loans | 4,050.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 6,778 |
| Noncurrent loans to loans | 0.0136% | 6,618 |
| Net loans and leases to total assets | 46.5878% | 5,702 |
| Net loans and leases to deposits | 51.3055% | 6,022 |
| Net loans and leases to core deposits | 59.9889% | 5,562 |
| Total domestic deposits to total assets | 90.8047% | 472 |
| Equity capital to assets | 9.0806% | 5,739 |
| Core capital (leverage) ratio | 8.6716% | 5,516 |
| Tier 1 risk-based capital ratio | 15.4685% | 3,559 |
| Total risk-based capital ratio | 15.9398% | 4,020 |
| Memoranda: | ||
| Average total assets | $57,423,000 | 6,051 |
| Average earning assets | $49,654,000 | 6,131 |
| Average equity | $5,549,000 | 6,206 |
| Average total loans | $28,393,000 | 6,094 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 5,031 |
| Cost of funding earning assets | 1.2944% | 543 |
| Net interest margin | 2.8838% | 6,451 |
| Noninterest income to average assets | 0.3200% | 5,263 |
| Noninterest expense to average assets | 2.4807% | 5,206 |
| Loan and lease loss provision to assets | 0.0180% | 5,441 |
| Net operating income to assets | 0.3523% | 5,419 |
| Return on assets (ROA) | 0.3523% | 5,645 |
| Pretax return on assets | 0.3523% | 5,822 |
| Return on Equity (ROE) | 3.5651% | 5,454 |
| Retained earnings to average equity (ytd only) | 3.5651% | 4,220 |
| Net charge-offs to loans | 0.0214% | 5,100 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 981 |
| Efficiency ratio | 87.0113% | 1,337 |
| Assets per employee ($millions) | 4.4908% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5537% | 6,973 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 6,833 |
| Noncurrent loans to loans | 0.0138% | 6,662 |
| Net loans and leases to total assets | 49.2266% | 5,455 |
| Net loans and leases to deposits | 54.5053% | 5,816 |
| Net loans and leases to core deposits | 65.0984% | 5,099 |
| Total domestic deposits to total assets | 90.3153% | 756 |
| Equity capital to assets | 9.5579% | 4,968 |
| Core capital (leverage) ratio | 8.8960% | 5,054 |
| Tier 1 risk-based capital ratio | 15.9196% | 3,202 |
| Total risk-based capital ratio | 16.4039% | 3,631 |
| Memoranda: | ||
| Average total assets | $55,629,330 | 6,144 |
| Average earning assets | $48,824,670 | 6,204 |
| Average equity | $5,497,670 | 6,243 |
| Average total loans | $28,050,330 | 6,149 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 4,840 |
| Cost of funding earning assets | 1.3588% | 491 |
| Net interest margin | 2.9130% | 6,472 |
| Noninterest income to average assets | 0.3318% | 5,204 |
| Noninterest expense to average assets | 2.5068% | 5,126 |
| Loan and lease loss provision to assets | 0.0147% | 5,135 |
| Net operating income to assets | 0.3391% | 5,519 |
| Return on assets (ROA) | 0.3391% | 5,695 |
| Pretax return on assets | 0.3391% | 5,882 |
| Return on Equity (ROE) | 3.3721% | 5,562 |
| Retained earnings to average equity (ytd only) | 3.3721% | 4,547 |
| Net charge-offs to loans | 0.0290% | 4,282 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,072 |
| Efficiency ratio | 87.6289% | 1,319 |
| Assets per employee ($millions) | 4.3408% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5797% | 7,002 |
| Loan loss allowance to noncurrent loans | 3,975.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 6,921 |
| Noncurrent loans to loans | 0.0146% | 6,748 |
| Net loans and leases to total assets | 48.3210% | 5,511 |
| Net loans and leases to deposits | 53.5864% | 5,851 |
| Net loans and leases to core deposits | 64.3857% | 5,070 |
| Total domestic deposits to total assets | 90.1738% | 992 |
| Equity capital to assets | 9.7003% | 4,519 |
| Core capital (leverage) ratio | 9.6704% | 3,811 |
| Tier 1 risk-based capital ratio | 16.4233% | 2,951 |
| Total risk-based capital ratio | 16.9248% | 3,322 |
| Memoranda: | ||
| Average total assets | $54,253,500 | 6,222 |
| Average earning assets | $47,099,500 | 6,295 |
| Average equity | $5,456,500 | 6,292 |
| Average total loans | $27,626,000 | 6,213 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 4,254 |
| Cost of funding earning assets | 1.5967% | 485 |
| Net interest margin | 3.1021% | 6,342 |
| Noninterest income to average assets | 0.4053% | 4,573 |
| Noninterest expense to average assets | 2.7029% | 4,734 |
| Loan and lease loss provision to assets | 0.0951% | 5,407 |
| Net operating income to assets | 0.2792% | 5,334 |
| Return on assets (ROA) | 0.3268% | 5,310 |
| Pretax return on assets | 0.3268% | 5,485 |
| Return on Equity (ROE) | 3.0035% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.0035% | 4,086 |
| Net charge-offs to loans | 0.0229% | 6,123 |
| Credit loss provision to net charge-offs | 766.6667% | 286 |
| Earnings coverage of net charge-offs (x) | 30.1667% | 841 |
| Efficiency ratio | 87.8360% | 1,369 |
| Assets per employee ($millions) | 4.0058% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5678% | 7,042 |
| Loan loss allowance to noncurrent loans | 376.1905% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 6,752 |
| Noncurrent loans to loans | 0.1509% | 6,444 |
| Net loans and leases to total assets | 53.1281% | 5,154 |
| Net loans and leases to deposits | 59.4031% | 5,559 |
| Net loans and leases to core deposits | 72.8731% | 4,394 |
| Total domestic deposits to total assets | 89.4366% | 1,302 |
| Equity capital to assets | 10.4444% | 3,589 |
| Core capital (leverage) ratio | 9.7815% | 3,632 |
| Tier 1 risk-based capital ratio | 16.5933% | 2,781 |
| Total risk-based capital ratio | 17.1012% | 3,090 |
| Memoranda: | ||
| Average total assets | $48,354,600 | 6,408 |
| Average earning assets | $41,649,400 | 6,476 |
| Average equity | $5,260,600 | 6,360 |
| Average total loans | $26,236,000 | 6,339 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7409% | 4,277 |
| Cost of funding earning assets | 1.6261% | 520 |
| Net interest margin | 3.1148% | 6,361 |
| Noninterest income to average assets | 0.4217% | 4,505 |
| Noninterest expense to average assets | 2.7861% | 4,395 |
| Loan and lease loss provision to assets | 0.1237% | 4,887 |
| Net operating income to assets | 0.1884% | 5,731 |
| Return on assets (ROA) | 0.2530% | 5,706 |
| Pretax return on assets | 0.2530% | 5,803 |
| Return on Equity (ROE) | 2.3006% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.3006% | 4,972 |
| Net charge-offs to loans | 0.0310% | 5,711 |
| Credit loss provision to net charge-offs | 733.3333% | 372 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,304 |
| Efficiency ratio | 89.9274% | 1,167 |
| Assets per employee ($millions) | 4.2924% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5683% | 7,116 |
| Loan loss allowance to noncurrent loans | 339.1304% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 6,835 |
| Noncurrent loans to loans | 0.1676% | 6,529 |
| Net loans and leases to total assets | 52.9907% | 5,326 |
| Net loans and leases to deposits | 59.4261% | 5,701 |
| Net loans and leases to core deposits | 71.3875% | 4,794 |
| Total domestic deposits to total assets | 89.1708% | 1,319 |
| Equity capital to assets | 10.5749% | 3,609 |
| Core capital (leverage) ratio | 10.0734% | 3,344 |
| Tier 1 risk-based capital ratio | 16.8491% | 2,694 |
| Total risk-based capital ratio | 17.3650% | 3,022 |
| Memoranda: | ||
| Average total assets | $47,424,250 | 6,500 |
| Average earning assets | $40,750,750 | 6,556 |
| Average equity | $5,216,000 | 6,427 |
| Average total loans | $25,838,750 | 6,433 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 4,077 |
| Cost of funding earning assets | 1.6805% | 503 |
| Net interest margin | 3.1260% | 6,353 |
| Noninterest income to average assets | 0.3908% | 4,753 |
| Noninterest expense to average assets | 2.7745% | 4,526 |
| Loan and lease loss provision to assets | 0.1607% | 4,312 |
| Net operating income to assets | 0.1129% | 5,981 |
| Return on assets (ROA) | 0.2128% | 5,814 |
| Pretax return on assets | 0.2128% | 5,907 |
| Return on Equity (ROE) | 1.9070% | 5,817 |
| Retained earnings to average equity (ytd only) | 1.9070% | 5,027 |
| Net charge-offs to loans | 0.0395% | 5,297 |
| Credit loss provision to net charge-offs | 740.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 12.6000% | 1,615 |
| Efficiency ratio | 91.0256% | 1,162 |
| Assets per employee ($millions) | 4.2338% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5549% | 7,194 |
| Loan loss allowance to noncurrent loans | 119.8413% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 6,182 |
| Noncurrent loans to loans | 0.4630% | 5,982 |
| Net loans and leases to total assets | 58.1036% | 4,606 |
| Net loans and leases to deposits | 65.6302% | 5,054 |
| Net loans and leases to core deposits | 85.1801% | 3,050 |
| Total domestic deposits to total assets | 88.5317% | 1,833 |
| Equity capital to assets | 11.2729% | 2,702 |
| Core capital (leverage) ratio | 10.6874% | 2,530 |
| Tier 1 risk-based capital ratio | 17.1195% | 2,471 |
| Total risk-based capital ratio | 17.6311% | 2,756 |
| Memoranda: | ||
| Average total assets | $46,062,670 | 6,593 |
| Average earning assets | $39,155,670 | 6,679 |
| Average equity | $5,139,000 | 6,486 |
| Average total loans | $25,301,330 | 6,526 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 4,176 |
| Cost of funding earning assets | 1.7462% | 456 |
| Net interest margin | 3.0295% | 6,511 |
| Noninterest income to average assets | 0.3667% | 4,975 |
| Noninterest expense to average assets | 2.7157% | 4,773 |
| Loan and lease loss provision to assets | 0.0699% | 5,122 |
| Net operating income to assets | 0.0961% | 6,105 |
| Return on assets (ROA) | 0.0961% | 6,157 |
| Pretax return on assets | 0.0961% | 6,173 |
| Return on Equity (ROE) | 0.8655% | 6,173 |
| Retained earnings to average equity (ytd only) | 0.8655% | 5,482 |
| Net charge-offs to loans | 0.0657% | 4,266 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 2,404 |
| Efficiency ratio | 94.2424% | 1,027 |
| Assets per employee ($millions) | 4.7586% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4994% | 7,282 |
| Loan loss allowance to noncurrent loans | 2,033.3333% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 6,873 |
| Noncurrent loans to loans | 0.0246% | 7,002 |
| Net loans and leases to total assets | 51.0780% | 5,707 |
| Net loans and leases to deposits | 57.2890% | 5,994 |
| Net loans and leases to core deposits | 73.6322% | 4,573 |
| Total domestic deposits to total assets | 89.1586% | 1,672 |
| Equity capital to assets | 10.7111% | 2,977 |
| Core capital (leverage) ratio | 10.7933% | 2,359 |
| Tier 1 risk-based capital ratio | 18.0942% | 2,084 |
| Total risk-based capital ratio | 18.5344% | 2,353 |
| Memoranda: | ||
| Average total assets | $45,808,000 | 6,645 |
| Average earning assets | $38,026,000 | 6,758 |
| Average equity | $5,083,500 | 6,526 |
| Average total loans | $24,346,500 | 6,624 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9634% | 4,730 |
| Cost of funding earning assets | 1.7196% | 1,510 |
| Net interest margin | 3.2438% | 6,156 |
| Noninterest income to average assets | 0.4067% | 4,855 |
| Noninterest expense to average assets | 3.3500% | 2,581 |
| Loan and lease loss provision to assets | 0.0385% | 6,777 |
| Net operating income to assets | -0.2446% | 6,154 |
| Return on assets (ROA) | -0.2446% | 6,211 |
| Pretax return on assets | -0.2446% | 6,118 |
| Return on Equity (ROE) | -1.7156% | 6,141 |
| Retained earnings to average equity (ytd only) | -1.7156% | 5,921 |
| Net charge-offs to loans | 0.0988% | 5,869 |
| Credit loss provision to net charge-offs | 70.0000% | 5,863 |
| Earnings coverage of net charge-offs (x) | -3.7500% | 6,758 |
| Efficiency ratio | 106.5559% | 612 |
| Assets per employee ($millions) | 3.6692% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4863% | 7,367 |
| Loan loss allowance to noncurrent loans | 1,072.7273% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 6,888 |
| Noncurrent loans to loans | 0.0453% | 7,014 |
| Net loans and leases to total assets | 54.8422% | 5,519 |
| Net loans and leases to deposits | 62.1177% | 5,836 |
| Net loans and leases to core deposits | 80.4551% | 4,144 |
| Total domestic deposits to total assets | 88.2875% | 2,074 |
| Equity capital to assets | 11.5149% | 2,249 |
| Core capital (leverage) ratio | 12.1963% | 1,432 |
| Tier 1 risk-based capital ratio | 19.0665% | 1,702 |
| Total risk-based capital ratio | 19.5161% | 1,877 |
| Memoranda: | ||
| Average total assets | $36,387,800 | 6,995 |
| Average earning assets | $30,704,800 | 7,066 |
| Average equity | $5,187,800 | 6,604 |
| Average total loans | $20,244,400 | 6,910 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 4,494 |
| Cost of funding earning assets | 1.7261% | 1,738 |
| Net interest margin | 3.3417% | 5,874 |
| Noninterest income to average assets | 0.4138% | 4,845 |
| Noninterest expense to average assets | 3.4418% | 2,181 |
| Loan and lease loss provision to assets | 0.0387% | 6,693 |
| Net operating income to assets | -0.2591% | 6,388 |
| Return on assets (ROA) | -0.2591% | 6,438 |
| Pretax return on assets | -0.2591% | 6,376 |
| Return on Equity (ROE) | -1.7122% | 6,365 |
| Retained earnings to average equity (ytd only) | -1.7122% | 6,140 |
| Net charge-offs to loans | 0.0416% | 6,127 |
| Credit loss provision to net charge-offs | 166.6667% | 2,236 |
| Earnings coverage of net charge-offs (x) | -9.5000% | 6,621 |
| Efficiency ratio | 106.8427% | 582 |
| Assets per employee ($millions) | 3.3383% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5686% | 7,387 |
| Loan loss allowance to noncurrent loans | 4,233.3333% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 7,353 |
| Noncurrent loans to loans | 0.0134% | 7,229 |
| Net loans and leases to total assets | 55.4432% | 5,629 |
| Net loans and leases to deposits | 63.9321% | 5,924 |
| Net loans and leases to core deposits | 71.2704% | 5,606 |
| Total domestic deposits to total assets | 86.7221% | 2,680 |
| Equity capital to assets | 12.9908% | 1,575 |
| Core capital (leverage) ratio | 13.9798% | 926 |
| Tier 1 risk-based capital ratio | 20.3614% | 1,474 |
| Total risk-based capital ratio | 20.8759% | 1,590 |
| Memoranda: | ||
| Average total assets | $34,477,250 | 7,144 |
| Average earning assets | $28,966,750 | 7,213 |
| Average equity | $5,217,250 | 6,665 |
| Average total loans | $19,239,250 | 7,059 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 5,187 |
| Cost of funding earning assets | 1.7446% | 1,898 |
| Net interest margin | 3.2033% | 6,310 |
| Noninterest income to average assets | 0.4476% | 4,539 |
| Noninterest expense to average assets | 3.5135% | 1,999 |
| Loan and lease loss provision to assets | 0.0307% | 6,635 |
| Net operating income to assets | -0.3495% | 6,522 |
| Return on assets (ROA) | -0.3495% | 6,563 |
| Pretax return on assets | -0.3495% | 6,470 |
| Return on Equity (ROE) | -2.1832% | 6,436 |
| Retained earnings to average equity (ytd only) | -2.1832% | 6,176 |
| Net charge-offs to loans | 0.0659% | 5,482 |
| Credit loss provision to net charge-offs | 83.3333% | 4,615 |
| Earnings coverage of net charge-offs (x) | -8.6667% | 6,316 |
| Efficiency ratio | 109.9808% | 548 |
| Assets per employee ($millions) | 3.2101% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5917% | 7,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 58.0414% | 5,415 |
| Net loans and leases to deposits | 68.2894% | 5,527 |
| Net loans and leases to core deposits | 77.8508% | 4,974 |
| Total domestic deposits to total assets | 84.9933% | 3,631 |
| Equity capital to assets | 14.8509% | 913 |
| Core capital (leverage) ratio | 14.9356% | 732 |
| Tier 1 risk-based capital ratio | 21.9980% | 1,203 |
| Total risk-based capital ratio | 22.5309% | 1,271 |
| Memoranda: | ||
| Average total assets | $32,616,670 | 7,265 |
| Average earning assets | $27,971,330 | 7,300 |
| Average equity | $5,221,670 | 6,707 |
| Average total loans | $18,206,670 | 7,163 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 4,994 |
| Cost of funding earning assets | 1.7445% | 2,153 |
| Net interest margin | 3.2615% | 6,092 |
| Noninterest income to average assets | 0.4093% | 4,824 |
| Noninterest expense to average assets | 3.5434% | 1,867 |
| Loan and lease loss provision to assets | 0.0256% | 6,410 |
| Net operating income to assets | -0.4093% | 6,766 |
| Return on assets (ROA) | -0.4093% | 6,802 |
| Pretax return on assets | -0.4093% | 6,724 |
| Return on Equity (ROE) | -2.4566% | 6,685 |
| Retained earnings to average equity (ytd only) | -2.4566% | 6,282 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1457% | 555 |
| Assets per employee ($millions) | 2.9671% | 6,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7331% | 7,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 52.2765% | 6,242 |
| Net loans and leases to deposits | 62.3178% | 6,246 |
| Net loans and leases to core deposits | 71.9612% | 5,717 |
| Total domestic deposits to total assets | 83.8869% | 4,200 |
| Equity capital to assets | 15.9906% | 669 |
| Core capital (leverage) ratio | 16.3021% | 532 |
| Tier 1 risk-based capital ratio | 24.4883% | 919 |
| Total risk-based capital ratio | 25.0980% | 959 |
| Memoranda: | ||
| Average total assets | $31,269,500 | 7,395 |
| Average earning assets | $26,368,000 | 7,450 |
| Average equity | $5,210,500 | 6,780 |
| Average total loans | $17,001,500 | 7,316 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 6,138 |
| Cost of funding earning assets | 1.5190% | 5,444 |
| Net interest margin | 3.5680% | 4,663 |
| Noninterest income to average assets | 0.4627% | 4,698 |
| Noninterest expense to average assets | 4.2139% | 1,082 |
| Loan and lease loss provision to assets | 0.1139% | 6,506 |
| Net operating income to assets | -0.8221% | 6,454 |
| Return on assets (ROA) | -0.7545% | 6,401 |
| Pretax return on assets | -0.7545% | 6,241 |
| Return on Equity (ROE) | -4.0211% | 6,113 |
| Retained earnings to average equity (ytd only) | -4.0211% | 5,866 |
| Net charge-offs to loans | 0.0578% | 6,514 |
| Credit loss provision to net charge-offs | 400.0000% | 790 |
| Earnings coverage of net charge-offs (x) | -24.8750% | 7,198 |
| Efficiency ratio | 120.2030% | 605 |
| Assets per employee ($millions) | 2.7183% | 6,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7374% | 7,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 55.8209% | 5,977 |
| Net loans and leases to deposits | 67.6324% | 5,876 |
| Net loans and leases to core deposits | 78.8539% | 6,192 |
| Total domestic deposits to total assets | 82.5357% | 4,731 |
| Equity capital to assets | 17.3974% | 515 |
| Core capital (leverage) ratio | 17.3202% | 454 |
| Tier 1 risk-based capital ratio | 25.3560% | 812 |
| Total risk-based capital ratio | 25.9733% | 852 |
| Memoranda: | ||
| Average total assets | $28,097,200 | 7,543 |
| Average earning assets | $23,963,200 | 7,583 |
| Average equity | $5,272,200 | 6,845 |
| Average total loans | $13,852,000 | 7,504 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0275% | 6,520 |
| Cost of funding earning assets | 1.5009% | 5,820 |
| Net interest margin | 3.5266% | 4,758 |
| Noninterest income to average assets | 0.4775% | 4,694 |
| Noninterest expense to average assets | 4.3453% | 860 |
| Loan and lease loss provision to assets | 0.1399% | 5,960 |
| Net operating income to assets | -0.9935% | 6,823 |
| Return on assets (ROA) | -0.9019% | 6,771 |
| Pretax return on assets | -0.9019% | 6,612 |
| Return on Equity (ROE) | -4.7135% | 6,419 |
| Retained earnings to average equity (ytd only) | -4.7135% | 6,217 |
| Net charge-offs to loans | 0.1322% | 5,377 |
| Credit loss provision to net charge-offs | 223.0769% | 1,957 |
| Earnings coverage of net charge-offs (x) | -13.6174% | 6,922 |
| Efficiency ratio | 124.4475% | 537 |
| Assets per employee ($millions) | 2.4754% | 7,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 7,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 52.6571% | 6,541 |
| Net loans and leases to deposits | 65.4225% | 6,362 |
| Net loans and leases to core deposits | 75.4076% | 6,647 |
| Total domestic deposits to total assets | 80.4877% | 5,252 |
| Equity capital to assets | 19.2185% | 400 |
| Core capital (leverage) ratio | 18.9879% | 381 |
| Tier 1 risk-based capital ratio | 28.8826% | 626 |
| Total risk-based capital ratio | 29.5316% | 652 |
| Memoranda: | ||
| Average total assets | $27,646,250 | 7,627 |
| Average earning assets | $23,629,250 | 7,668 |
| Average equity | $5,289,750 | 6,907 |
| Average total loans | $13,111,250 | 7,615 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0262% | 6,683 |
| Cost of funding earning assets | 1.5154% | 6,077 |
| Net interest margin | 3.5108% | 4,755 |
| Noninterest income to average assets | 0.4463% | 4,881 |
| Noninterest expense to average assets | 4.2253% | 1,042 |
| Loan and lease loss provision to assets | 0.1656% | 5,409 |
| Net operating income to assets | -0.9429% | 6,926 |
| Return on assets (ROA) | -0.8062% | 6,839 |
| Pretax return on assets | -0.8062% | 6,684 |
| Return on Equity (ROE) | -4.2195% | 6,506 |
| Retained earnings to average equity (ytd only) | -4.2195% | 6,171 |
| Net charge-offs to loans | 0.0316% | 6,018 |
| Credit loss provision to net charge-offs | 1,150.0000% | 436 |
| Earnings coverage of net charge-offs (x) | -54.0000% | 6,599 |
| Efficiency ratio | 122.5470% | 622 |
| Assets per employee ($millions) | 2.4463% | 7,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 6,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 49.3404% | 6,928 |
| Net loans and leases to deposits | 61.5445% | 6,773 |
| Net loans and leases to core deposits | 71.8880% | 6,907 |
| Total domestic deposits to total assets | 80.1702% | 5,408 |
| Equity capital to assets | 19.6031% | 411 |
| Core capital (leverage) ratio | 19.0122% | 420 |
| Tier 1 risk-based capital ratio | 29.3738% | 637 |
| Total risk-based capital ratio | 30.0526% | 661 |
| Memoranda: | ||
| Average total assets | $27,785,330 | 7,688 |
| Average earning assets | $23,755,330 | 7,728 |
| Average equity | $5,308,670 | 6,962 |
| Average total loans | $12,664,000 | 7,716 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9594% | 7,035 |
| Cost of funding earning assets | 1.4596% | 6,546 |
| Net interest margin | 3.4998% | 4,739 |
| Noninterest income to average assets | 0.4110% | 5,121 |
| Noninterest expense to average assets | 3.9542% | 1,241 |
| Loan and lease loss provision to assets | 0.1559% | 4,938 |
| Net operating income to assets | -0.7086% | 7,065 |
| Return on assets (ROA) | -0.4535% | 6,896 |
| Pretax return on assets | -0.4535% | 6,787 |
| Return on Equity (ROE) | -2.4035% | 6,712 |
| Retained earnings to average equity (ytd only) | -2.4035% | 6,177 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.2500% | 688 |
| Assets per employee ($millions) | 2.5310% | 7,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 7,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 47.9078% | 7,036 |
| Net loans and leases to deposits | 59.3724% | 6,942 |
| Net loans and leases to core deposits | 67.5137% | 7,162 |
| Total domestic deposits to total assets | 80.6903% | 5,093 |
| Equity capital to assets | 19.1444% | 473 |
| Core capital (leverage) ratio | 19.3108% | 427 |
| Tier 1 risk-based capital ratio | 29.7792% | 629 |
| Total risk-based capital ratio | 30.4004% | 658 |
| Memoranda: | ||
| Average total assets | $28,223,500 | 7,718 |
| Average earning assets | $24,116,000 | 7,762 |
| Average equity | $5,325,500 | 6,995 |
| Average total loans | $12,297,500 | 7,789 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0909% | 7,779 |
| Cost of funding earning assets | 1.8204% | 6,953 |
| Net interest margin | 3.2705% | 6,138 |
| Noninterest income to average assets | 0.2797% | 6,464 |
| Noninterest expense to average assets | 4.0925% | 1,290 |
| Loan and lease loss provision to assets | 0.1773% | 5,124 |
| Net operating income to assets | -1.0675% | 7,277 |
| Return on assets (ROA) | -1.0399% | 7,192 |
| Pretax return on assets | -1.0399% | 7,021 |
| Return on Equity (ROE) | -4.8974% | 6,855 |
| Retained earnings to average equity (ytd only) | -4.8974% | 6,496 |
| Net charge-offs to loans | 0.0216% | 6,547 |
| Credit loss provision to net charge-offs | 2,250.0000% | 207 |
| Earnings coverage of net charge-offs (x) | -113.0000% | 7,009 |
| Efficiency ratio | 127.7983% | 486 |
| Assets per employee ($millions) | 3.1784% | 5,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 6,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 38.6213% | 7,736 |
| Net loans and leases to deposits | 47.7339% | 7,718 |
| Net loans and leases to core deposits | 60.8605% | 7,547 |
| Total domestic deposits to total assets | 80.9096% | 4,680 |
| Equity capital to assets | 18.6010% | 588 |
| Core capital (leverage) ratio | 19.5371% | 463 |
| Tier 1 risk-based capital ratio | 32.4796% | 528 |
| Total risk-based capital ratio | 33.0862% | 546 |
| Memoranda: | ||
| Average total assets | $25,387,600 | 7,829 |
| Average earning assets | $22,687,600 | 7,834 |
| Average equity | $5,390,600 | 7,020 |
| Average total loans | $9,274,200 | 7,972 |