Home > Bank of Brewton > Performance and Condition Ratios
Bank of Brewton, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 2,857 |
| Cost of funding earning assets | 0.7350% | 3,873 |
| Net interest margin | 3.8840% | 1,403 |
| Noninterest income to average assets | -0.1500% | 4,587 |
| Noninterest expense to average assets | 3.4740% | 596 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | -0.1290% | 4,439 |
| Return on assets (ROA) | -0.1290% | 4,422 |
| Pretax return on assets | -0.1290% | 4,413 |
| Return on Equity (ROE) | -0.8400% | 4,381 |
| Retained earnings to average equity (ytd only) | -1.4570% | 4,226 |
| Net charge-offs to loans | 0.0164% | 2,047 |
| Credit loss provision to net charge-offs | 1,700.0000% | 264 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 4,541 |
| Efficiency ratio | 100.8513% | 176 |
| Assets per employee ($millions) | 3.1671% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 2,350 |
| Loan loss allowance to noncurrent loans | 261.3636% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 904 |
| Noncurrent loans to loans | 0.4556% | 1,642 |
| Net loans and leases to total assets | 37.6600% | 4,105 |
| Net loans and leases to deposits | 45.2496% | 4,067 |
| Net loans and leases to core deposits | 52.0184% | 4,030 |
| Total domestic deposits to total assets | 83.2300% | 2,831 |
| Equity capital to assets | 16.5828% | 418 |
| Core capital (leverage) ratio | 20.9481% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $51,150,800 | 4,312 |
| Average earning assets | $47,348,400 | 4,279 |
| Average equity | $7,892,800 | 3,941 |
| Average total loans | $18,283,800 | 4,319 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 2,854 |
| Cost of funding earning assets | 0.6303% | 3,917 |
| Net interest margin | 3.8949% | 1,415 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 3.1835% | 841 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.3303% | 4,083 |
| Return on assets (ROA) | 0.3303% | 4,089 |
| Pretax return on assets | 0.3303% | 4,132 |
| Return on Equity (ROE) | 2.1800% | 4,178 |
| Retained earnings to average equity (ytd only) | 2.1811% | 3,700 |
| Net charge-offs to loans | 0.0222% | 1,653 |
| Credit loss provision to net charge-offs | 1,666.6667% | 286 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 1,214 |
| Efficiency ratio | 87.3662% | 464 |
| Assets per employee ($millions) | 2.9422% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 2,537 |
| Loan loss allowance to noncurrent loans | 408.9286% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 1.0656% | 468 |
| Noncurrent loans to loans | 0.2853% | 2,214 |
| Net loans and leases to total assets | 38.7900% | 4,103 |
| Net loans and leases to deposits | 46.9825% | 4,030 |
| Net loans and leases to core deposits | 52.8222% | 3,967 |
| Total domestic deposits to total assets | 82.5600% | 3,102 |
| Equity capital to assets | 15.1469% | 520 |
| Core capital (leverage) ratio | 21.1390% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $51,263,000 | 4,325 |
| Average earning assets | $47,172,000 | 4,295 |
| Average equity | $7,763,500 | 3,958 |
| Average total loans | $18,026,250 | 4,341 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3430% | 3,014 |
| Cost of funding earning assets | 0.5075% | 3,965 |
| Net interest margin | 3.8356% | 1,553 |
| Noninterest income to average assets | -0.0500% | 4,646 |
| Noninterest expense to average assets | 3.2934% | 696 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | -0.0813% | 4,507 |
| Return on assets (ROA) | -0.0813% | 4,495 |
| Pretax return on assets | -0.0813% | 4,482 |
| Return on Equity (ROE) | -0.5400% | 4,459 |
| Retained earnings to average equity (ytd only) | -0.5367% | 4,163 |
| Net charge-offs to loans | 0.0457% | 1,050 |
| Credit loss provision to net charge-offs | 1,600.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 1,987 |
| Efficiency ratio | 95.1902% | 242 |
| Assets per employee ($millions) | 2.9048% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,438 |
| Loan loss allowance to noncurrent loans | 896.2963% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.9639% | 496 |
| Noncurrent loans to loans | 0.1339% | 2,801 |
| Net loans and leases to total assets | 38.0900% | 4,110 |
| Net loans and leases to deposits | 46.1342% | 4,041 |
| Net loans and leases to core deposits | 51.2281% | 3,978 |
| Total domestic deposits to total assets | 82.5700% | 3,126 |
| Equity capital to assets | 15.0611% | 519 |
| Core capital (leverage) ratio | 20.8804% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $51,678,333 | 4,342 |
| Average earning assets | $47,294,000 | 4,320 |
| Average equity | $7,826,000 | 3,969 |
| Average total loans | $17,492,000 | 4,368 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9606% | 3,528 |
| Cost of funding earning assets | 0.4174% | 3,915 |
| Net interest margin | 3.5433% | 2,254 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 3.1066% | 924 |
| Loan and lease loss provision to assets | 0.3300% | 250 |
| Net operating income to assets | 0.1012% | 4,431 |
| Return on assets (ROA) | 0.1012% | 4,406 |
| Pretax return on assets | 0.1012% | 4,404 |
| Return on Equity (ROE) | 0.6700% | 4,400 |
| Retained earnings to average equity (ytd only) | 0.6665% | 3,915 |
| Net charge-offs to loans | 0.0990% | 600 |
| Credit loss provision to net charge-offs | 1,050.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,579 |
| Efficiency ratio | 87.8855% | 423 |
| Assets per employee ($millions) | 3.0719% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 2,141 |
| Loan loss allowance to noncurrent loans | 104.2654% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.3174% | 271 |
| Noncurrent loans to loans | 1.2248% | 561 |
| Net loans and leases to total assets | 32.5700% | 4,310 |
| Net loans and leases to deposits | 39.0930% | 4,250 |
| Net loans and leases to core deposits | 43.3609% | 4,194 |
| Total domestic deposits to total assets | 83.3000% | 3,240 |
| Equity capital to assets | 15.2634% | 456 |
| Core capital (leverage) ratio | 21.1917% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $51,374,000 | 4,402 |
| Average earning assets | $46,962,500 | 4,382 |
| Average equity | $7,801,500 | 4,021 |
| Average total loans | $16,158,000 | 4,443 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3444% | 3,486 |
| Cost of funding earning assets | 0.1618% | 4,049 |
| Net interest margin | 3.1826% | 2,923 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.3430% | 590 |
| Loan and lease loss provision to assets | 0.4400% | 147 |
| Net operating income to assets | -0.4950% | 4,642 |
| Return on assets (ROA) | -0.4950% | 4,635 |
| Pretax return on assets | -0.4950% | 4,626 |
| Return on Equity (ROE) | -2.8800% | 4,600 |
| Retained earnings to average equity (ytd only) | -2.8764% | 4,517 |
| Net charge-offs to loans | 1.4837% | 47 |
| Credit loss provision to net charge-offs | 107.9439% | 1,515 |
| Earnings coverage of net charge-offs (x) | -0.1308% | 4,672 |
| Efficiency ratio | 101.6270% | 137 |
| Assets per employee ($millions) | 2.8069% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 2,357 |
| Loan loss allowance to noncurrent loans | 92.3858% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3340% | 265 |
| Noncurrent loans to loans | 1.3056% | 526 |
| Net loans and leases to total assets | 29.5000% | 4,399 |
| Net loans and leases to deposits | 35.5912% | 4,353 |
| Net loans and leases to core deposits | 38.6162% | 4,316 |
| Total domestic deposits to total assets | 82.9000% | 3,439 |
| Equity capital to assets | 15.1054% | 459 |
| Core capital (leverage) ratio | 21.4762% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2195% | 277 |
| Memoranda: | ||
| Average total assets | $52,318,400 | 4,418 |
| Average earning assets | $47,602,200 | 4,401 |
| Average equity | $9,004,400 | 3,992 |
| Average total loans | $14,423,800 | 4,496 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2225% | 3,381 |
| Cost of funding earning assets | 0.1055% | 4,241 |
| Net interest margin | 3.1170% | 2,878 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.9816% | 928 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2274% | 4,449 |
| Return on assets (ROA) | 0.2274% | 4,415 |
| Pretax return on assets | 0.2274% | 4,439 |
| Return on Equity (ROE) | 1.2800% | 4,473 |
| Retained earnings to average equity (ytd only) | 1.2837% | 4,177 |
| Net charge-offs to loans | -0.0094% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 92.9134% | 256 |
| Assets per employee ($millions) | 3.0431% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 2,711 |
| Loan loss allowance to noncurrent loans | 38.6047% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.7532% | 169 |
| Noncurrent loans to loans | 3.0203% | 155 |
| Net loans and leases to total assets | 27.2000% | 4,478 |
| Net loans and leases to deposits | 34.3446% | 4,414 |
| Net loans and leases to core deposits | 36.3667% | 4,393 |
| Total domestic deposits to total assets | 79.2000% | 4,166 |
| Equity capital to assets | 15.2379% | 434 |
| Core capital (leverage) ratio | 21.6655% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $52,766,750 | 4,446 |
| Average earning assets | $48,036,750 | 4,429 |
| Average equity | $9,347,500 | 3,999 |
| Average total loans | $14,257,500 | 4,529 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2534% | 2,889 |
| Cost of funding earning assets | 0.0898% | 4,296 |
| Net interest margin | 3.1636% | 2,313 |
| Noninterest income to average assets | 0.3276% | 3,205 |
| Noninterest expense to average assets | 3.0653% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1808% | 4,447 |
| Return on assets (ROA) | 0.1808% | 4,409 |
| Pretax return on assets | 0.1808% | 4,427 |
| Return on Equity (ROE) | 0.9760% | 4,464 |
| Retained earnings to average equity (ytd only) | 0.9760% | 3,999 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4316% | 282 |
| Assets per employee ($millions) | 3.1992% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,506 |
| Loan loss allowance to noncurrent loans | 35.4839% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.8403% | 170 |
| Noncurrent loans to loans | 3.4774% | 126 |
| Net loans and leases to total assets | 25.8015% | 4,564 |
| Net loans and leases to deposits | 30.9319% | 4,529 |
| Net loans and leases to core deposits | 32.6720% | 4,515 |
| Total domestic deposits to total assets | 83.4138% | 3,801 |
| Equity capital to assets | 16.5706% | 302 |
| Core capital (leverage) ratio | 21.0076% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,111,333 | 4,481 |
| Average earning assets | $48,994,333 | 4,469 |
| Average equity | $9,835,667 | 4,015 |
| Average total loans | $14,264,333 | 4,592 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8716% | 3,606 |
| Cost of funding earning assets | 0.0798% | 4,361 |
| Net interest margin | 2.7918% | 3,167 |
| Noninterest income to average assets | 0.2811% | 3,449 |
| Noninterest expense to average assets | 3.0625% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1923% | 4,638 |
| Return on assets (ROA) | -0.1923% | 4,621 |
| Pretax return on assets | -0.1923% | 4,613 |
| Return on Equity (ROE) | -0.9893% | 4,587 |
| Retained earnings to average equity (ytd only) | -0.9893% | 4,142 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7010% | 161 |
| Assets per employee ($millions) | 3.1494% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,206 |
| Loan loss allowance to noncurrent loans | 27.7311% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 2.0023% | 142 |
| Noncurrent loans to loans | 4.0737% | 93 |
| Net loans and leases to total assets | 26.9729% | 4,533 |
| Net loans and leases to deposits | 33.0571% | 4,464 |
| Net loans and leases to core deposits | 34.7039% | 4,467 |
| Total domestic deposits to total assets | 81.5947% | 4,131 |
| Equity capital to assets | 18.3754% | 215 |
| Core capital (leverage) ratio | 20.6915% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,073,500 | 4,496 |
| Average earning assets | $50,147,000 | 4,483 |
| Average equity | $10,512,500 | 4,005 |
| Average total loans | $14,710,500 | 4,605 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0026% | 3,866 |
| Cost of funding earning assets | 0.0856% | 4,493 |
| Net interest margin | 2.9170% | 3,404 |
| Noninterest income to average assets | 0.6380% | 1,998 |
| Noninterest expense to average assets | 3.1277% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1280% | 4,601 |
| Return on assets (ROA) | 0.1280% | 4,611 |
| Pretax return on assets | 0.1280% | 4,620 |
| Return on Equity (ROE) | 0.6104% | 4,644 |
| Retained earnings to average equity (ytd only) | 0.6104% | 4,348 |
| Net charge-offs to loans | 0.3026% | 285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1.5217% | 2,614 |
| Efficiency ratio | 96.0696% | 199 |
| Assets per employee ($millions) | 2.8741% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,301 |
| Loan loss allowance to noncurrent loans | 27.2727% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.9814% | 159 |
| Noncurrent loans to loans | 4.0837% | 99 |
| Net loans and leases to total assets | 26.8276% | 4,600 |
| Net loans and leases to deposits | 33.7916% | 4,533 |
| Net loans and leases to core deposits | 35.4868% | 4,526 |
| Total domestic deposits to total assets | 79.3913% | 4,273 |
| Equity capital to assets | 20.4860% | 163 |
| Core capital (leverage) ratio | 20.6616% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,704,200 | 4,510 |
| Average earning assets | $49,091,200 | 4,516 |
| Average equity | $11,468,200 | 3,981 |
| Average total loans | $15,201,800 | 4,645 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0655% | 3,877 |
| Cost of funding earning assets | 0.0880% | 4,589 |
| Net interest margin | 2.9775% | 3,365 |
| Noninterest income to average assets | 0.7650% | 1,637 |
| Noninterest expense to average assets | 2.9088% | 1,115 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4946% | 4,217 |
| Return on assets (ROA) | 0.4946% | 4,262 |
| Pretax return on assets | 0.4946% | 4,378 |
| Return on Equity (ROE) | 2.3457% | 4,545 |
| Retained earnings to average equity (ytd only) | 2.3457% | 4,095 |
| Net charge-offs to loans | 0.4009% | 191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 4.4130% | 2,270 |
| Efficiency ratio | 85.4689% | 454 |
| Assets per employee ($millions) | 2.8436% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 3,611 |
| Loan loss allowance to noncurrent loans | 27.0936% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 2.0101% | 185 |
| Noncurrent loans to loans | 3.9194% | 134 |
| Net loans and leases to total assets | 28.4538% | 4,634 |
| Net loans and leases to deposits | 36.2922% | 4,570 |
| Net loans and leases to core deposits | 38.1549% | 4,568 |
| Total domestic deposits to total assets | 78.4019% | 4,384 |
| Equity capital to assets | 21.3241% | 147 |
| Core capital (leverage) ratio | 21.5007% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,728,250 | 4,573 |
| Average earning assets | $48,495,500 | 4,582 |
| Average equity | $11,538,500 | 4,032 |
| Average total loans | $15,298,500 | 4,712 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0762% | 3,915 |
| Cost of funding earning assets | 0.0857% | 4,661 |
| Net interest margin | 2.9905% | 3,347 |
| Noninterest income to average assets | 0.8843% | 1,314 |
| Noninterest expense to average assets | 2.9730% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5786% | 4,024 |
| Return on assets (ROA) | 0.5786% | 4,080 |
| Pretax return on assets | 0.5786% | 4,273 |
| Return on Equity (ROE) | 2.7546% | 4,515 |
| Retained earnings to average equity (ytd only) | 2.7546% | 3,921 |
| Net charge-offs to loans | 0.6045% | 128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 3.4565% | 2,070 |
| Efficiency ratio | 83.7090% | 567 |
| Assets per employee ($millions) | 2.9555% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 3,455 |
| Loan loss allowance to noncurrent loans | 27.0492% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.9357% | 225 |
| Noncurrent loans to loans | 4.0379% | 135 |
| Net loans and leases to total assets | 26.6090% | 4,736 |
| Net loans and leases to deposits | 33.6827% | 4,687 |
| Net loans and leases to core deposits | 35.3272% | 4,689 |
| Total domestic deposits to total assets | 78.9988% | 4,342 |
| Equity capital to assets | 20.6486% | 164 |
| Core capital (leverage) ratio | 20.8740% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,961,667 | 4,598 |
| Average earning assets | $49,021,667 | 4,612 |
| Average equity | $11,544,333 | 4,043 |
| Average total loans | $15,218,667 | 4,750 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 2,179 |
| Cost of funding earning assets | 0.0910% | 4,698 |
| Net interest margin | 3.6821% | 1,374 |
| Noninterest income to average assets | 0.2428% | 3,942 |
| Noninterest expense to average assets | 2.9430% | 1,080 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5739% | 4,009 |
| Return on assets (ROA) | 0.5739% | 4,061 |
| Pretax return on assets | 0.5739% | 4,231 |
| Return on Equity (ROE) | 2.7086% | 4,524 |
| Retained earnings to average equity (ytd only) | 2.7086% | 3,867 |
| Net charge-offs to loans | -0.0524% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6820% | 613 |
| Assets per employee ($millions) | 2.9395% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 2,090 |
| Loan loss allowance to noncurrent loans | 36.3946% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.9069% | 279 |
| Noncurrent loans to loans | 3.7729% | 155 |
| Net loans and leases to total assets | 27.5219% | 4,761 |
| Net loans and leases to deposits | 34.6834% | 4,713 |
| Net loans and leases to core deposits | 36.1203% | 4,720 |
| Total domestic deposits to total assets | 79.3518% | 4,289 |
| Equity capital to assets | 20.3635% | 173 |
| Core capital (leverage) ratio | 20.7351% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8326% | 238 |
| Memoranda: | ||
| Average total assets | $54,365,500 | 4,627 |
| Average earning assets | $48,342,000 | 4,640 |
| Average equity | $11,519,000 | 4,055 |
| Average total loans | $15,274,500 | 4,780 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 2,629 |
| Cost of funding earning assets | 0.1263% | 4,795 |
| Net interest margin | 3.9068% | 1,197 |
| Noninterest income to average assets | 0.2593% | 3,930 |
| Noninterest expense to average assets | 3.3987% | 798 |
| Loan and lease loss provision to assets | -0.0511% | 4,937 |
| Net operating income to assets | 0.4047% | 4,234 |
| Return on assets (ROA) | 0.4047% | 4,320 |
| Pretax return on assets | 0.4361% | 4,365 |
| Return on Equity (ROE) | 1.8021% | 4,583 |
| Retained earnings to average equity (ytd only) | 1.5834% | 4,000 |
| Net charge-offs to loans | 0.0166% | 2,764 |
| Credit loss provision to net charge-offs | -866.6667% | 4,028 |
| Earnings coverage of net charge-offs (x) | 65.3333% | 1,023 |
| Efficiency ratio | 89.8235% | 384 |
| Assets per employee ($millions) | 2.7832% | 4,857 |
| Cash dividends to net income (ytd only)* | 12.1359% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 1,934 |
| Loan loss allowance to noncurrent loans | 61.8768% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.5469% | 461 |
| Noncurrent loans to loans | 2.2788% | 471 |
| Net loans and leases to total assets | 27.8985% | 4,794 |
| Net loans and leases to deposits | 35.8814% | 4,748 |
| Net loans and leases to core deposits | 37.0176% | 4,759 |
| Total domestic deposits to total assets | 77.7519% | 4,344 |
| Equity capital to assets | 22.0590% | 137 |
| Core capital (leverage) ratio | 21.2459% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,901,400 | 4,641 |
| Average earning assets | $45,919,800 | 4,651 |
| Average equity | $11,431,400 | 4,035 |
| Average total loans | $18,079,800 | 4,751 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 2,516 |
| Cost of funding earning assets | 0.1371% | 4,838 |
| Net interest margin | 4.0159% | 1,080 |
| Noninterest income to average assets | 0.2619% | 3,905 |
| Noninterest expense to average assets | 3.1239% | 1,192 |
| Loan and lease loss provision to assets | -0.0694% | 4,990 |
| Net operating income to assets | 0.8491% | 2,910 |
| Return on assets (ROA) | 0.8491% | 3,036 |
| Pretax return on assets | 0.8491% | 3,516 |
| Return on Equity (ROE) | 3.7632% | 4,221 |
| Retained earnings to average equity (ytd only) | 3.7632% | 3,163 |
| Net charge-offs to loans | 0.0141% | 2,612 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | 147.5000% | 609 |
| Efficiency ratio | 80.0136% | 870 |
| Assets per employee ($millions) | 2.9053% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 3,361 |
| Loan loss allowance to noncurrent loans | 80.6084% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.3406% | 685 |
| Noncurrent loans to loans | 1.3277% | 1,110 |
| Net loans and leases to total assets | 35.5012% | 4,698 |
| Net loans and leases to deposits | 45.4666% | 4,623 |
| Net loans and leases to core deposits | 46.8357% | 4,650 |
| Total domestic deposits to total assets | 78.0819% | 4,187 |
| Equity capital to assets | 21.3656% | 162 |
| Core capital (leverage) ratio | 21.9483% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,406,500 | 4,665 |
| Average earning assets | $45,717,500 | 4,675 |
| Average equity | $11,373,000 | 4,051 |
| Average total loans | $18,858,750 | 4,770 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 2,428 |
| Cost of funding earning assets | 0.1636% | 4,849 |
| Net interest margin | 4.1542% | 1,010 |
| Noninterest income to average assets | 0.2623% | 3,902 |
| Noninterest expense to average assets | 3.3068% | 988 |
| Loan and lease loss provision to assets | -0.1065% | 5,029 |
| Net operating income to assets | 0.8072% | 3,022 |
| Return on assets (ROA) | 0.8072% | 3,133 |
| Pretax return on assets | 0.8072% | 3,563 |
| Return on Equity (ROE) | 3.5076% | 4,245 |
| Retained earnings to average equity (ytd only) | 3.5076% | 3,176 |
| Net charge-offs to loans | 0.1294% | 1,068 |
| Credit loss provision to net charge-offs | -216.6667% | 3,488 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 1,952 |
| Efficiency ratio | 82.5153% | 727 |
| Assets per employee ($millions) | 2.6527% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,512 |
| Loan loss allowance to noncurrent loans | 68.2432% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.5337% | 601 |
| Noncurrent loans to loans | 1.4844% | 1,023 |
| Net loans and leases to total assets | 39.1639% | 4,639 |
| Net loans and leases to deposits | 51.3381% | 4,470 |
| Net loans and leases to core deposits | 53.0747% | 4,522 |
| Total domestic deposits to total assets | 76.2862% | 4,400 |
| Equity capital to assets | 23.1067% | 123 |
| Core capital (leverage) ratio | 22.7605% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,808,333 | 4,708 |
| Average earning assets | $44,003,667 | 4,719 |
| Average equity | $11,232,667 | 4,079 |
| Average total loans | $18,542,000 | 4,800 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 3,526 |
| Cost of funding earning assets | 0.1839% | 4,918 |
| Net interest margin | 3.9161% | 1,620 |
| Noninterest income to average assets | 0.2916% | 3,779 |
| Noninterest expense to average assets | 3.5824% | 828 |
| Loan and lease loss provision to assets | -0.2166% | 5,085 |
| Net operating income to assets | 0.4749% | 3,958 |
| Return on assets (ROA) | 0.4749% | 4,013 |
| Pretax return on assets | 0.4749% | 4,160 |
| Return on Equity (ROE) | 2.0678% | 4,432 |
| Retained earnings to average equity (ytd only) | 2.0678% | 3,426 |
| Net charge-offs to loans | 0.0448% | 1,577 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,611 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,561 |
| Efficiency ratio | 93.2755% | 391 |
| Assets per employee ($millions) | 2.5446% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 2,960 |
| Loan loss allowance to noncurrent loans | 71.6216% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.5989% | 644 |
| Noncurrent loans to loans | 1.5992% | 976 |
| Net loans and leases to total assets | 37.8452% | 4,730 |
| Net loans and leases to deposits | 49.7485% | 4,600 |
| Net loans and leases to core deposits | 51.5075% | 4,642 |
| Total domestic deposits to total assets | 76.0730% | 4,478 |
| Equity capital to assets | 23.0831% | 146 |
| Core capital (leverage) ratio | 24.1458% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,012,000 | 4,743 |
| Average earning assets | $43,513,000 | 4,749 |
| Average equity | $11,026,000 | 4,118 |
| Average total loans | $17,842,500 | 4,848 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9192% | 4,396 |
| Cost of funding earning assets | 0.1788% | 4,999 |
| Net interest margin | 3.7404% | 2,693 |
| Noninterest income to average assets | 0.4108% | 3,227 |
| Noninterest expense to average assets | 3.5417% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2452% | 4,803 |
| Return on assets (ROA) | 0.2452% | 4,825 |
| Pretax return on assets | 0.2044% | 4,883 |
| Return on Equity (ROE) | 1.1067% | 4,903 |
| Retained earnings to average equity (ytd only) | 1.1067% | 4,355 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5445% | 235 |
| Assets per employee ($millions) | 2.3839% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 1,528 |
| Loan loss allowance to noncurrent loans | 93.7500% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.5374% | 651 |
| Noncurrent loans to loans | 1.4905% | 973 |
| Net loans and leases to total assets | 35.5224% | 4,851 |
| Net loans and leases to deposits | 46.2076% | 4,783 |
| Net loans and leases to core deposits | 47.8445% | 4,793 |
| Total domestic deposits to total assets | 76.8756% | 4,502 |
| Equity capital to assets | 22.8454% | 159 |
| Core capital (leverage) ratio | 23.2899% | 149 |
| Tier 1 risk-based capital ratio | 37.5737% | 281 |
| Total risk-based capital ratio | 38.4060% | 281 |
| Memoranda: | ||
| Average total assets | $48,931,600 | 4,769 |
| Average earning assets | $43,631,400 | 4,792 |
| Average equity | $10,843,200 | 4,144 |
| Average total loans | $18,235,600 | 4,902 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 4,390 |
| Cost of funding earning assets | 0.1730% | 5,085 |
| Net interest margin | 3.8130% | 2,553 |
| Noninterest income to average assets | 0.4413% | 3,071 |
| Noninterest expense to average assets | 3.1461% | 1,590 |
| Loan and lease loss provision to assets | 0.1191% | 1,641 |
| Net operating income to assets | 0.5767% | 4,354 |
| Return on assets (ROA) | 0.5767% | 4,401 |
| Pretax return on assets | 0.5767% | 4,587 |
| Return on Equity (ROE) | 2.6220% | 4,821 |
| Retained earnings to average equity (ytd only) | 2.6220% | 4,040 |
| Net charge-offs to loans | 0.3171% | 545 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 5.8405% | 2,880 |
| Efficiency ratio | 81.8887% | 765 |
| Assets per employee ($millions) | 2.2511% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,031 |
| Loan loss allowance to noncurrent loans | 14.3967% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 4.5501% | 90 |
| Noncurrent loans to loans | 8.9299% | 38 |
| Net loans and leases to total assets | 39.1441% | 4,842 |
| Net loans and leases to deposits | 51.2561% | 4,735 |
| Net loans and leases to core deposits | 53.0975% | 4,770 |
| Total domestic deposits to total assets | 76.3697% | 4,604 |
| Equity capital to assets | 23.2834% | 153 |
| Core capital (leverage) ratio | 22.7256% | 163 |
| Tier 1 risk-based capital ratio | 34.4554% | 359 |
| Total risk-based capital ratio | 43.0305% | 214 |
| Memoranda: | ||
| Average total assets | $49,245,250 | 4,831 |
| Average earning assets | $43,918,250 | 4,857 |
| Average equity | $10,831,000 | 4,184 |
| Average total loans | $18,500,500 | 4,972 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9289% | 4,514 |
| Cost of funding earning assets | 0.1581% | 5,147 |
| Net interest margin | 3.7709% | 2,694 |
| Noninterest income to average assets | 0.2966% | 3,955 |
| Noninterest expense to average assets | 3.0219% | 1,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6212% | 4,247 |
| Return on assets (ROA) | 0.6212% | 4,289 |
| Pretax return on assets | 0.6212% | 4,502 |
| Return on Equity (ROE) | 2.8777% | 4,812 |
| Retained earnings to average equity (ytd only) | 2.8777% | 3,778 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9483% | 734 |
| Assets per employee ($millions) | 2.5489% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 1,609 |
| Loan loss allowance to noncurrent loans | 14.3623% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 4.3175% | 100 |
| Noncurrent loans to loans | 9.7490% | 32 |
| Net loans and leases to total assets | 33.2908% | 5,042 |
| Net loans and leases to deposits | 42.6236% | 4,983 |
| Net loans and leases to core deposits | 42.6236% | 5,033 |
| Total domestic deposits to total assets | 78.1043% | 4,375 |
| Equity capital to assets | 21.5289% | 187 |
| Core capital (leverage) ratio | 21.9311% | 172 |
| Tier 1 risk-based capital ratio | 34.7179% | 347 |
| Total risk-based capital ratio | 35.8269% | 346 |
| Memoranda: | ||
| Average total assets | $49,902,330 | 4,850 |
| Average earning assets | $44,287,000 | 4,893 |
| Average equity | $10,772,330 | 4,203 |
| Average total loans | $18,418,670 | 5,014 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 4,689 |
| Cost of funding earning assets | 0.1248% | 5,250 |
| Net interest margin | 3.6899% | 2,930 |
| Noninterest income to average assets | 0.2837% | 3,980 |
| Noninterest expense to average assets | 3.2178% | 1,458 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4215% | 4,684 |
| Return on assets (ROA) | 0.4215% | 4,695 |
| Pretax return on assets | 0.4215% | 4,809 |
| Return on Equity (ROE) | 1.9471% | 4,975 |
| Retained earnings to average equity (ytd only) | 1.9471% | 4,083 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4187% | 460 |
| Assets per employee ($millions) | 2.5251% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,041 |
| Loan loss allowance to noncurrent loans | 11.4164% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 4.2672% | 102 |
| Noncurrent loans to loans | 11.4834% | 21 |
| Net loans and leases to total assets | 35.9233% | 5,019 |
| Net loans and leases to deposits | 45.8560% | 4,934 |
| Net loans and leases to core deposits | 45.8560% | 4,993 |
| Total domestic deposits to total assets | 78.3395% | 4,461 |
| Equity capital to assets | 21.3496% | 186 |
| Core capital (leverage) ratio | 21.8408% | 174 |
| Tier 1 risk-based capital ratio | 35.4798% | 314 |
| Total risk-based capital ratio | 36.2741% | 318 |
| Memoranda: | ||
| Average total assets | $49,351,000 | 4,915 |
| Average earning assets | $44,879,500 | 4,923 |
| Average equity | $10,682,500 | 4,240 |
| Average total loans | $19,022,000 | 5,056 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 3,774 |
| Cost of funding earning assets | 0.1078% | 5,271 |
| Net interest margin | 3.9793% | 2,062 |
| Noninterest income to average assets | 0.2988% | 4,106 |
| Noninterest expense to average assets | 3.1800% | 1,596 |
| Loan and lease loss provision to assets | -0.1360% | 5,294 |
| Net operating income to assets | 0.8122% | 3,756 |
| Return on assets (ROA) | 0.8122% | 3,759 |
| Pretax return on assets | 0.8620% | 3,999 |
| Return on Equity (ROE) | 4.0871% | 4,691 |
| Retained earnings to average equity (ytd only) | 3.6148% | 3,595 |
| Net charge-offs to loans | 0.1573% | 1,222 |
| Credit loss provision to net charge-offs | -208.8235% | 4,488 |
| Earnings coverage of net charge-offs (x) | 11.1471% | 2,650 |
| Efficiency ratio | 81.4125% | 852 |
| Assets per employee ($millions) | 2.4114% | 5,236 |
| Cash dividends to net income (ytd only)* | 11.5566% | 3,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 2,433 |
| Loan loss allowance to noncurrent loans | 11.2828% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 4.5203% | 82 |
| Noncurrent loans to loans | 10.8641% | 23 |
| Net loans and leases to total assets | 40.2679% | 4,937 |
| Net loans and leases to deposits | 51.8530% | 4,825 |
| Net loans and leases to core deposits | 51.8530% | 4,897 |
| Total domestic deposits to total assets | 77.6577% | 4,539 |
| Equity capital to assets | 22.0001% | 172 |
| Core capital (leverage) ratio | 21.6902% | 171 |
| Tier 1 risk-based capital ratio | 35.9904% | 298 |
| Total risk-based capital ratio | 36.7962% | 304 |
| Memoranda: | ||
| Average total assets | $52,201,600 | 4,896 |
| Average earning assets | $47,320,400 | 4,909 |
| Average equity | $10,374,000 | 4,253 |
| Average total loans | $21,609,000 | 5,036 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 3,680 |
| Cost of funding earning assets | 0.1026% | 5,349 |
| Net interest margin | 3.9840% | 2,000 |
| Noninterest income to average assets | 0.2983% | 4,155 |
| Noninterest expense to average assets | 2.8874% | 2,341 |
| Loan and lease loss provision to assets | 0.0050% | 3,873 |
| Net operating income to assets | 1.0076% | 3,052 |
| Return on assets (ROA) | 1.0076% | 3,066 |
| Pretax return on assets | 1.0076% | 3,700 |
| Return on Equity (ROE) | 5.1962% | 4,498 |
| Retained earnings to average equity (ytd only) | 5.1962% | 3,116 |
| Net charge-offs to loans | 0.2052% | 826 |
| Credit loss provision to net charge-offs | 5.8824% | 3,069 |
| Earnings coverage of net charge-offs (x) | 11.8829% | 2,486 |
| Efficiency ratio | 74.0360% | 1,590 |
| Assets per employee ($millions) | 2.6806% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,294 |
| Loan loss allowance to noncurrent loans | 63.9511% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.0504% | 1,379 |
| Noncurrent loans to loans | 2.3698% | 569 |
| Net loans and leases to total assets | 40.0632% | 5,025 |
| Net loans and leases to deposits | 50.6076% | 4,934 |
| Net loans and leases to core deposits | 50.6076% | 5,005 |
| Total domestic deposits to total assets | 79.1644% | 4,288 |
| Equity capital to assets | 20.5097% | 211 |
| Core capital (leverage) ratio | 21.0202% | 192 |
| Tier 1 risk-based capital ratio | 35.5258% | 315 |
| Total risk-based capital ratio | 36.5642% | 318 |
| Memoranda: | ||
| Average total assets | $53,195,250 | 4,940 |
| Average earning assets | $48,091,000 | 4,950 |
| Average equity | $10,315,000 | 4,305 |
| Average total loans | $22,096,000 | 5,088 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8807% | 4,125 |
| Cost of funding earning assets | 0.0904% | 5,426 |
| Net interest margin | 3.7903% | 2,594 |
| Noninterest income to average assets | 0.2817% | 4,297 |
| Noninterest expense to average assets | 2.8174% | 2,611 |
| Loan and lease loss provision to assets | 0.1594% | 1,172 |
| Net operating income to assets | 0.7229% | 4,126 |
| Return on assets (ROA) | 0.7229% | 4,135 |
| Pretax return on assets | 0.7229% | 4,453 |
| Return on Equity (ROE) | 3.7970% | 4,868 |
| Retained earnings to average equity (ytd only) | 3.7970% | 3,700 |
| Net charge-offs to loans | 0.3015% | 530 |
| Credit loss provision to net charge-offs | 126.4706% | 1,748 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,583 |
| Efficiency ratio | 76.1523% | 1,405 |
| Assets per employee ($millions) | 2.9163% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 1,260 |
| Loan loss allowance to noncurrent loans | 45.0508% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.5015% | 888 |
| Noncurrent loans to loans | 3.4259% | 290 |
| Net loans and leases to total assets | 40.8699% | 5,028 |
| Net loans and leases to deposits | 50.3916% | 4,970 |
| Net loans and leases to core deposits | 50.3916% | 5,035 |
| Total domestic deposits to total assets | 81.1045% | 3,964 |
| Equity capital to assets | 18.5815% | 281 |
| Core capital (leverage) ratio | 18.7696% | 281 |
| Tier 1 risk-based capital ratio | 31.3682% | 433 |
| Total risk-based capital ratio | 32.4282% | 432 |
| Memoranda: | ||
| Average total assets | $53,949,670 | 4,981 |
| Average earning assets | $48,650,670 | 4,991 |
| Average equity | $10,271,330 | 4,347 |
| Average total loans | $22,555,000 | 5,138 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7967% | 4,229 |
| Cost of funding earning assets | 0.0754% | 5,510 |
| Net interest margin | 3.7213% | 2,723 |
| Noninterest income to average assets | 0.2856% | 4,263 |
| Noninterest expense to average assets | 2.8786% | 2,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7441% | 3,926 |
| Return on assets (ROA) | 0.7441% | 3,926 |
| Pretax return on assets | 0.7441% | 4,315 |
| Return on Equity (ROE) | 3.8600% | 4,799 |
| Retained earnings to average equity (ytd only) | 3.8600% | 3,648 |
| Net charge-offs to loans | 0.7881% | 182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 2,478 |
| Efficiency ratio | 79.4606% | 1,203 |
| Assets per employee ($millions) | 2.9187% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 2,123 |
| Loan loss allowance to noncurrent loans | 38.7179% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.4859% | 941 |
| Noncurrent loans to loans | 3.4217% | 310 |
| Net loans and leases to total assets | 40.5626% | 5,045 |
| Net loans and leases to deposits | 49.9833% | 4,959 |
| Net loans and leases to core deposits | 49.9833% | 5,045 |
| Total domestic deposits to total assets | 81.1523% | 4,163 |
| Equity capital to assets | 18.5087% | 284 |
| Core capital (leverage) ratio | 19.0509% | 251 |
| Tier 1 risk-based capital ratio | 31.2580% | 430 |
| Total risk-based capital ratio | 32.1624% | 438 |
| Memoranda: | ||
| Average total assets | $53,219,500 | 5,054 |
| Average earning assets | $47,725,500 | 5,066 |
| Average equity | $10,259,000 | 4,390 |
| Average total loans | $22,332,000 | 5,200 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 4,149 |
| Cost of funding earning assets | 0.0867% | 5,539 |
| Net interest margin | 3.6827% | 2,870 |
| Noninterest income to average assets | 0.4897% | 3,061 |
| Noninterest expense to average assets | 3.1308% | 1,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5701% | 4,142 |
| Return on assets (ROA) | 0.5701% | 4,177 |
| Pretax return on assets | 0.6150% | 4,711 |
| Return on Equity (ROE) | 3.0024% | 4,825 |
| Retained earnings to average equity (ytd only) | 2.6578% | 3,735 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5828% | 806 |
| Assets per employee ($millions) | 2.4278% | 5,483 |
| Cash dividends to net income (ytd only)* | 11.4754% | 3,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 1,178 |
| Loan loss allowance to noncurrent loans | 38.4872% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.8496% | 650 |
| Noncurrent loans to loans | 4.1110% | 224 |
| Net loans and leases to total assets | 42.2132% | 5,057 |
| Net loans and leases to deposits | 53.1027% | 4,928 |
| Net loans and leases to core deposits | 53.1027% | 5,038 |
| Total domestic deposits to total assets | 79.4936% | 4,444 |
| Equity capital to assets | 20.1122% | 203 |
| Core capital (leverage) ratio | 20.1019% | 196 |
| Tier 1 risk-based capital ratio | 31.4435% | 405 |
| Total risk-based capital ratio | 32.4959% | 407 |
| Memoranda: | ||
| Average total assets | $53,500,000 | 5,090 |
| Average earning assets | $47,302,200 | 5,122 |
| Average equity | $10,158,600 | 4,426 |
| Average total loans | $20,734,400 | 5,291 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4725% | 4,860 |
| Cost of funding earning assets | 0.0839% | 5,609 |
| Net interest margin | 3.3886% | 3,889 |
| Noninterest income to average assets | 0.5345% | 2,809 |
| Noninterest expense to average assets | 2.9164% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6035% | 4,380 |
| Return on assets (ROA) | 0.6035% | 4,422 |
| Pretax return on assets | 0.6035% | 4,835 |
| Return on Equity (ROE) | 3.2232% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.2232% | 4,005 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8551% | 853 |
| Assets per employee ($millions) | 2.4864% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 1,209 |
| Loan loss allowance to noncurrent loans | 29.1491% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 2.3576% | 481 |
| Noncurrent loans to loans | 5.5307% | 126 |
| Net loans and leases to total assets | 40.4413% | 5,179 |
| Net loans and leases to deposits | 50.6039% | 5,102 |
| Net loans and leases to core deposits | 51.2176% | 5,161 |
| Total domestic deposits to total assets | 79.9173% | 4,332 |
| Equity capital to assets | 19.7323% | 234 |
| Core capital (leverage) ratio | 19.3295% | 232 |
| Tier 1 risk-based capital ratio | 32.8226% | 392 |
| Total risk-based capital ratio | 33.9248% | 386 |
| Memoranda: | ||
| Average total assets | $54,129,000 | 5,131 |
| Average earning assets | $47,688,000 | 5,168 |
| Average equity | $10,134,750 | 4,471 |
| Average total loans | $20,451,000 | 5,356 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6507% | 4,362 |
| Cost of funding earning assets | 0.0912% | 5,630 |
| Net interest margin | 3.5595% | 3,187 |
| Noninterest income to average assets | 0.3798% | 3,832 |
| Noninterest expense to average assets | 2.9616% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5551% | 4,498 |
| Return on assets (ROA) | 0.5587% | 4,526 |
| Pretax return on assets | 0.5587% | 4,885 |
| Return on Equity (ROE) | 3.0361% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.0361% | 3,906 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2160% | 829 |
| Assets per employee ($millions) | 2.6312% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7137% | 1,032 |
| Loan loss allowance to noncurrent loans | 30.3509% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 2.7020% | 368 |
| Noncurrent loans to loans | 5.6464% | 115 |
| Net loans and leases to total assets | 35.9135% | 5,380 |
| Net loans and leases to deposits | 44.0713% | 5,336 |
| Net loans and leases to core deposits | 44.5662% | 5,384 |
| Total domestic deposits to total assets | 81.4895% | 4,048 |
| Equity capital to assets | 18.4961% | 289 |
| Core capital (leverage) ratio | 18.4148% | 279 |
| Tier 1 risk-based capital ratio | 31.7171% | 417 |
| Total risk-based capital ratio | 32.7918% | 413 |
| Memoranda: | ||
| Average total assets | $54,767,330 | 5,157 |
| Average earning assets | $48,265,000 | 5,190 |
| Average equity | $10,078,670 | 4,501 |
| Average total loans | $20,114,000 | 5,407 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 4,517 |
| Cost of funding earning assets | 0.0749% | 5,729 |
| Net interest margin | 3.4857% | 3,329 |
| Noninterest income to average assets | 0.4255% | 3,475 |
| Noninterest expense to average assets | 3.2206% | 1,551 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2788% | 5,247 |
| Return on assets (ROA) | 0.2788% | 5,259 |
| Pretax return on assets | 0.2788% | 5,342 |
| Return on Equity (ROE) | 1.5188% | 5,419 |
| Retained earnings to average equity (ytd only) | 1.5188% | 4,492 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0335% | 453 |
| Assets per employee ($millions) | 2.6652% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 1,087 |
| Loan loss allowance to noncurrent loans | 29.1246% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 2.7533% | 389 |
| Noncurrent loans to loans | 5.9433% | 116 |
| Net loans and leases to total assets | 35.0956% | 5,437 |
| Net loans and leases to deposits | 42.8241% | 5,392 |
| Net loans and leases to core deposits | 43.2961% | 5,433 |
| Total domestic deposits to total assets | 81.9528% | 4,181 |
| Equity capital to assets | 17.9793% | 305 |
| Core capital (leverage) ratio | 18.2429% | 274 |
| Tier 1 risk-based capital ratio | 31.3677% | 435 |
| Total risk-based capital ratio | 32.4427% | 433 |
| Memoranda: | ||
| Average total assets | $54,523,500 | 5,215 |
| Average earning assets | $48,081,500 | 5,245 |
| Average equity | $10,008,000 | 4,541 |
| Average total loans | $20,076,000 | 5,460 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 4,068 |
| Cost of funding earning assets | 0.1012% | 5,698 |
| Net interest margin | 3.6454% | 2,907 |
| Noninterest income to average assets | 0.3847% | 4,002 |
| Noninterest expense to average assets | 3.2774% | 1,626 |
| Loan and lease loss provision to assets | -0.8198% | 5,897 |
| Net operating income to assets | 1.1560% | 1,670 |
| Return on assets (ROA) | 1.2045% | 1,577 |
| Pretax return on assets | 1.2045% | 2,651 |
| Return on Equity (ROE) | 6.5929% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.0921% | 1,660 |
| Net charge-offs to loans | -2.1212% | 5,869 |
| Credit loss provision to net charge-offs | 101.6204% | 2,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6977% | 512 |
| Assets per employee ($millions) | 2.5275% | 5,649 |
| Cash dividends to net income (ytd only)* | 7.5969% | 4,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 1,110 |
| Loan loss allowance to noncurrent loans | 27.9709% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 2.9956% | 340 |
| Noncurrent loans to loans | 6.1350% | 94 |
| Net loans and leases to total assets | 37.3363% | 5,432 |
| Net loans and leases to deposits | 46.0464% | 5,366 |
| Net loans and leases to core deposits | 46.5877% | 5,413 |
| Total domestic deposits to total assets | 81.0841% | 4,314 |
| Equity capital to assets | 18.7520% | 257 |
| Core capital (leverage) ratio | 19.4440% | 208 |
| Tier 1 risk-based capital ratio | 31.5971% | 424 |
| Total risk-based capital ratio | 32.6841% | 421 |
| Memoranda: | ||
| Average total assets | $53,548,800 | 5,272 |
| Average earning assets | $47,429,800 | 5,300 |
| Average equity | $9,783,200 | 4,620 |
| Average total loans | $20,365,600 | 5,510 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 3,875 |
| Cost of funding earning assets | 0.1036% | 5,751 |
| Net interest margin | 3.7152% | 2,661 |
| Noninterest income to average assets | 0.4000% | 3,920 |
| Noninterest expense to average assets | 3.0136% | 2,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6832% | 3,945 |
| Return on assets (ROA) | 0.7453% | 3,754 |
| Pretax return on assets | 0.7453% | 4,486 |
| Return on Equity (ROE) | 4.1064% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.1064% | 3,387 |
| Net charge-offs to loans | 0.0457% | 2,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 39.2990% | 1,261 |
| Efficiency ratio | 81.5188% | 1,244 |
| Assets per employee ($millions) | 2.2380% | 5,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 1,227 |
| Loan loss allowance to noncurrent loans | 28.9056% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 2.8858% | 414 |
| Noncurrent loans to loans | 5.8711% | 120 |
| Net loans and leases to total assets | 37.3145% | 5,497 |
| Net loans and leases to deposits | 45.7914% | 5,460 |
| Net loans and leases to core deposits | 47.9841% | 5,454 |
| Total domestic deposits to total assets | 81.4880% | 4,108 |
| Equity capital to assets | 18.4525% | 309 |
| Core capital (leverage) ratio | 18.0986% | 296 |
| Tier 1 risk-based capital ratio | 31.1805% | 441 |
| Total risk-based capital ratio | 32.2857% | 441 |
| Memoranda: | ||
| Average total assets | $53,666,750 | 5,322 |
| Average earning assets | $47,622,500 | 5,348 |
| Average equity | $9,740,750 | 4,664 |
| Average total loans | $20,416,250 | 5,563 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8864% | 3,643 |
| Cost of funding earning assets | 0.1387% | 5,626 |
| Net interest margin | 3.7478% | 2,522 |
| Noninterest income to average assets | 0.4100% | 3,804 |
| Noninterest expense to average assets | 2.9635% | 2,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7716% | 3,437 |
| Return on assets (ROA) | 0.8611% | 3,168 |
| Pretax return on assets | 0.8611% | 4,078 |
| Return on Equity (ROE) | 4.7708% | 4,616 |
| Retained earnings to average equity (ytd only) | 4.7708% | 2,882 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3413% | 1,583 |
| Assets per employee ($millions) | 2.2096% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 1,463 |
| Loan loss allowance to noncurrent loans | 35.4354% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 2.4475% | 578 |
| Noncurrent loans to loans | 4.5790% | 218 |
| Net loans and leases to total assets | 38.8534% | 5,474 |
| Net loans and leases to deposits | 47.3556% | 5,446 |
| Net loans and leases to core deposits | 49.5418% | 5,453 |
| Total domestic deposits to total assets | 82.0459% | 3,982 |
| Equity capital to assets | 17.8979% | 349 |
| Core capital (leverage) ratio | 17.2880% | 344 |
| Tier 1 risk-based capital ratio | 30.2252% | 486 |
| Total risk-based capital ratio | 31.3291% | 484 |
| Memoranda: | ||
| Average total assets | $53,652,000 | 5,386 |
| Average earning assets | $47,601,670 | 5,404 |
| Average equity | $9,684,000 | 4,705 |
| Average total loans | $20,425,670 | 5,623 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 3,522 |
| Cost of funding earning assets | 0.1022% | 5,907 |
| Net interest margin | 3.8152% | 2,236 |
| Noninterest income to average assets | 0.4238% | 3,657 |
| Noninterest expense to average assets | 3.1784% | 1,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6357% | 4,035 |
| Return on assets (ROA) | 0.6886% | 3,882 |
| Pretax return on assets | 0.6886% | 4,561 |
| Return on Equity (ROE) | 3.7986% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.7986% | 3,596 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 1,219 |
| Assets per employee ($millions) | 2.1407% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7539% | 1,238 |
| Loan loss allowance to noncurrent loans | 47.3262% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 1.9781% | 888 |
| Noncurrent loans to loans | 3.7059% | 348 |
| Net loans and leases to total assets | 35.6277% | 5,652 |
| Net loans and leases to deposits | 43.1396% | 5,621 |
| Net loans and leases to core deposits | 46.1624% | 5,580 |
| Total domestic deposits to total assets | 82.5868% | 4,040 |
| Equity capital to assets | 17.3575% | 392 |
| Core capital (leverage) ratio | 17.1700% | 356 |
| Tier 1 risk-based capital ratio | 30.8607% | 470 |
| Total risk-based capital ratio | 32.0044% | 468 |
| Memoranda: | ||
| Average total assets | $52,857,500 | 5,452 |
| Average earning assets | $46,970,000 | 5,472 |
| Average equity | $9,582,500 | 4,745 |
| Average total loans | $19,730,000 | 5,693 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9565% | 3,486 |
| Cost of funding earning assets | 0.0818% | 6,027 |
| Net interest margin | 3.8746% | 2,112 |
| Noninterest income to average assets | 0.4619% | 3,582 |
| Noninterest expense to average assets | 4.1669% | 557 |
| Loan and lease loss provision to assets | 0.2035% | 1,050 |
| Net operating income to assets | -0.4795% | 6,041 |
| Return on assets (ROA) | -0.4717% | 6,045 |
| Pretax return on assets | -0.4717% | 6,034 |
| Return on Equity (ROE) | -2.4952% | 5,996 |
| Retained earnings to average equity (ytd only) | -2.4952% | 5,784 |
| Net charge-offs to loans | 0.0130% | 4,038 |
| Credit loss provision to net charge-offs | 5,200.0000% | 71 |
| Earnings coverage of net charge-offs (x) | -70.5000% | 4,453 |
| Efficiency ratio | 107.0926% | 170 |
| Assets per employee ($millions) | 1.9252% | 6,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8365% | 1,066 |
| Loan loss allowance to noncurrent loans | 37.1459% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 2.6111% | 574 |
| Noncurrent loans to loans | 4.9440% | 196 |
| Net loans and leases to total assets | 37.8017% | 5,633 |
| Net loans and leases to deposits | 46.6956% | 5,533 |
| Net loans and leases to core deposits | 50.4425% | 5,480 |
| Total domestic deposits to total assets | 80.9533% | 4,501 |
| Equity capital to assets | 18.9867% | 248 |
| Core capital (leverage) ratio | 18.8960% | 243 |
| Tier 1 risk-based capital ratio | 32.3997% | 419 |
| Total risk-based capital ratio | 33.6118% | 410 |
| Memoranda: | ||
| Average total assets | $51,093,200 | 5,520 |
| Average earning assets | $45,217,200 | 5,549 |
| Average equity | $9,658,600 | 4,718 |
| Average total loans | $15,396,600 | 5,887 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 3,601 |
| Cost of funding earning assets | 0.0764% | 6,132 |
| Net interest margin | 3.8597% | 2,159 |
| Noninterest income to average assets | 0.4544% | 3,681 |
| Noninterest expense to average assets | 3.4480% | 1,384 |
| Loan and lease loss provision to assets | 0.2700% | 600 |
| Net operating income to assets | 0.1480% | 5,778 |
| Return on assets (ROA) | 0.1558% | 5,814 |
| Pretax return on assets | 0.1558% | 5,838 |
| Return on Equity (ROE) | 0.8250% | 5,882 |
| Retained earnings to average equity (ytd only) | 0.8250% | 5,371 |
| Net charge-offs to loans | 0.0185% | 3,574 |
| Credit loss provision to net charge-offs | 5,200.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 80.3970% | 742 |
| Efficiency ratio | 89.1874% | 753 |
| Assets per employee ($millions) | 1.9211% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0837% | 800 |
| Loan loss allowance to noncurrent loans | 32.5368% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 3.2934% | 417 |
| Noncurrent loans to loans | 6.4041% | 117 |
| Net loans and leases to total assets | 33.3040% | 5,887 |
| Net loans and leases to deposits | 41.5792% | 5,817 |
| Net loans and leases to core deposits | 42.6560% | 5,835 |
| Total domestic deposits to total assets | 80.0977% | 4,719 |
| Equity capital to assets | 19.7301% | 248 |
| Core capital (leverage) ratio | 18.8509% | 252 |
| Tier 1 risk-based capital ratio | 35.2822% | 339 |
| Total risk-based capital ratio | 36.5325% | 341 |
| Memoranda: | ||
| Average total assets | $51,352,500 | 5,587 |
| Average earning assets | $45,391,000 | 5,619 |
| Average equity | $9,697,250 | 4,771 |
| Average total loans | $14,426,750 | 5,984 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4178% | 5,188 |
| Cost of funding earning assets | 0.0744% | 6,211 |
| Net interest margin | 3.3434% | 4,130 |
| Noninterest income to average assets | 0.4400% | 3,772 |
| Noninterest expense to average assets | 3.5662% | 1,185 |
| Loan and lease loss provision to assets | 0.1775% | 1,161 |
| Net operating income to assets | -0.3551% | 6,150 |
| Return on assets (ROA) | -0.3435% | 6,163 |
| Pretax return on assets | -0.3435% | 6,152 |
| Return on Equity (ROE) | -1.8456% | 6,122 |
| Retained earnings to average equity (ytd only) | -1.8456% | 5,814 |
| Net charge-offs to loans | 0.0295% | 3,078 |
| Credit loss provision to net charge-offs | 2,300.0000% | 173 |
| Earnings coverage of net charge-offs (x) | -23.0000% | 3,859 |
| Efficiency ratio | 105.2392% | 232 |
| Assets per employee ($millions) | 2.0357% | 6,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0269% | 947 |
| Loan loss allowance to noncurrent loans | 38.6126% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 2.4997% | 755 |
| Noncurrent loans to loans | 5.2494% | 206 |
| Net loans and leases to total assets | 26.9409% | 6,117 |
| Net loans and leases to deposits | 32.9345% | 6,105 |
| Net loans and leases to core deposits | 33.7212% | 6,112 |
| Total domestic deposits to total assets | 81.8013% | 4,359 |
| Equity capital to assets | 18.1401% | 324 |
| Core capital (leverage) ratio | 17.4309% | 334 |
| Tier 1 risk-based capital ratio | 36.6164% | 323 |
| Total risk-based capital ratio | 37.7399% | 321 |
| Memoranda: | ||
| Average total assets | $51,820,330 | 5,638 |
| Average earning assets | $45,701,330 | 5,663 |
| Average equity | $9,644,670 | 4,811 |
| Average total loans | $13,572,670 | 6,075 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3483% | 5,332 |
| Cost of funding earning assets | 0.0793% | 6,269 |
| Net interest margin | 3.2690% | 4,348 |
| Noninterest income to average assets | 0.4369% | 3,714 |
| Noninterest expense to average assets | 4.0962% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.7646% | 6,290 |
| Return on assets (ROA) | -0.7412% | 6,289 |
| Pretax return on assets | -0.7412% | 6,277 |
| Return on Equity (ROE) | -3.9311% | 6,240 |
| Retained earnings to average equity (ytd only) | -3.9311% | 5,856 |
| Net charge-offs to loans | 0.0917% | 1,803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -32.6667% | 3,269 |
| Efficiency ratio | 122.9508% | 110 |
| Assets per employee ($millions) | 2.5111% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9083% | 1,268 |
| Loan loss allowance to noncurrent loans | 31.5990% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 2.5544% | 836 |
| Noncurrent loans to loans | 6.0392% | 180 |
| Net loans and leases to total assets | 24.2713% | 6,209 |
| Net loans and leases to deposits | 29.8012% | 6,203 |
| Net loans and leases to core deposits | 30.5189% | 6,210 |
| Total domestic deposits to total assets | 81.4443% | 4,691 |
| Equity capital to assets | 18.4059% | 302 |
| Core capital (leverage) ratio | 18.3718% | 268 |
| Tier 1 risk-based capital ratio | 38.1158% | 286 |
| Total risk-based capital ratio | 39.1035% | 290 |
| Memoranda: | ||
| Average total assets | $51,267,000 | 5,696 |
| Average earning assets | $45,395,500 | 5,730 |
| Average equity | $9,666,500 | 4,852 |
| Average total loans | $13,082,000 | 6,149 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6003% | 5,079 |
| Cost of funding earning assets | 0.0797% | 6,370 |
| Net interest margin | 3.5206% | 3,715 |
| Noninterest income to average assets | 0.4713% | 3,700 |
| Noninterest expense to average assets | 4.0142% | 742 |
| Loan and lease loss provision to assets | -0.0416% | 6,003 |
| Net operating income to assets | 0.0374% | 6,044 |
| Return on assets (ROA) | 0.0568% | 6,037 |
| Pretax return on assets | -0.2952% | 6,221 |
| Return on Equity (ROE) | 0.3176% | 6,068 |
| Retained earnings to average equity (ytd only) | 0.3176% | 5,635 |
| Net charge-offs to loans | -0.1518% | 6,216 |
| Credit loss provision to net charge-offs | 104.7619% | 2,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0675% | 220 |
| Assets per employee ($millions) | 1.9154% | 6,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9213% | 1,266 |
| Loan loss allowance to noncurrent loans | 31.6583% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 2.7208% | 808 |
| Noncurrent loans to loans | 6.0689% | 185 |
| Net loans and leases to total assets | 25.8308% | 6,280 |
| Net loans and leases to deposits | 32.0838% | 6,259 |
| Net loans and leases to core deposits | 32.9129% | 6,262 |
| Total domestic deposits to total assets | 80.5104% | 4,882 |
| Equity capital to assets | 19.3309% | 251 |
| Core capital (leverage) ratio | 18.5580% | 267 |
| Tier 1 risk-based capital ratio | 38.9047% | 253 |
| Total risk-based capital ratio | 39.9150% | 254 |
| Memoranda: | ||
| Average total assets | $52,837,800 | 5,725 |
| Average earning assets | $47,662,800 | 5,731 |
| Average equity | $9,445,200 | 4,877 |
| Average total loans | $13,832,800 | 6,198 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5279% | 5,326 |
| Cost of funding earning assets | 0.0743% | 6,471 |
| Net interest margin | 3.4536% | 4,006 |
| Noninterest income to average assets | 0.4503% | 3,895 |
| Noninterest expense to average assets | 3.7638% | 1,018 |
| Loan and lease loss provision to assets | -0.0075% | 6,083 |
| Net operating income to assets | -0.1841% | 6,260 |
| Return on assets (ROA) | -0.1468% | 6,251 |
| Pretax return on assets | -0.1468% | 6,231 |
| Return on Equity (ROE) | -0.8368% | 6,217 |
| Retained earnings to average equity (ytd only) | -0.8368% | 5,941 |
| Net charge-offs to loans | -0.0285% | 5,720 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3621% | 276 |
| Assets per employee ($millions) | 1.8519% | 6,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 1,870 |
| Loan loss allowance to noncurrent loans | 45.9854% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 2.1580% | 1,292 |
| Noncurrent loans to loans | 3.7728% | 597 |
| Net loans and leases to total assets | 27.5254% | 6,325 |
| Net loans and leases to deposits | 33.7743% | 6,305 |
| Net loans and leases to core deposits | 34.6012% | 6,305 |
| Total domestic deposits to total assets | 81.4981% | 4,662 |
| Equity capital to assets | 18.3265% | 316 |
| Core capital (leverage) ratio | 18.2555% | 287 |
| Tier 1 risk-based capital ratio | 35.2883% | 345 |
| Total risk-based capital ratio | 36.2132% | 349 |
| Memoranda: | ||
| Average total assets | $53,597,000 | 5,768 |
| Average earning assets | $48,450,000 | 5,777 |
| Average equity | $9,399,750 | 4,923 |
| Average total loans | $14,012,000 | 6,259 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5491% | 5,293 |
| Cost of funding earning assets | 0.0731% | 6,538 |
| Net interest margin | 3.4760% | 3,874 |
| Noninterest income to average assets | 0.4356% | 3,984 |
| Noninterest expense to average assets | 3.8097% | 964 |
| Loan and lease loss provision to assets | -0.0295% | 6,262 |
| Net operating income to assets | -0.1846% | 6,312 |
| Return on assets (ROA) | -0.1846% | 6,320 |
| Pretax return on assets | -0.1846% | 6,305 |
| Return on Equity (ROE) | -1.0678% | 6,276 |
| Retained earnings to average equity (ytd only) | -1.0678% | 5,861 |
| Net charge-offs to loans | -0.0578% | 5,940 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9548% | 296 |
| Assets per employee ($millions) | 1.9530% | 6,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 1,723 |
| Loan loss allowance to noncurrent loans | 29.1228% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 2.6077% | 1,043 |
| Noncurrent loans to loans | 6.3272% | 231 |
| Net loans and leases to total assets | 24.2553% | 6,446 |
| Net loans and leases to deposits | 29.4226% | 6,436 |
| Net loans and leases to core deposits | 30.5053% | 6,445 |
| Total domestic deposits to total assets | 82.4376% | 4,493 |
| Equity capital to assets | 17.4088% | 375 |
| Core capital (leverage) ratio | 17.4909% | 327 |
| Tier 1 risk-based capital ratio | 35.3304% | 335 |
| Total risk-based capital ratio | 36.2445% | 340 |
| Memoranda: | ||
| Average total assets | $54,178,000 | 5,806 |
| Average earning assets | $49,251,330 | 5,804 |
| Average equity | $9,365,330 | 4,944 |
| Average total loans | $13,841,000 | 6,324 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3648% | 5,719 |
| Cost of funding earning assets | 0.0721% | 6,623 |
| Net interest margin | 3.2927% | 4,571 |
| Noninterest income to average assets | 0.4228% | 4,006 |
| Noninterest expense to average assets | 3.9314% | 820 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4599% | 6,457 |
| Return on assets (ROA) | -0.4599% | 6,460 |
| Pretax return on assets | -0.4599% | 6,445 |
| Return on Equity (ROE) | -2.6701% | 6,389 |
| Retained earnings to average equity (ytd only) | -2.6701% | 5,927 |
| Net charge-offs to loans | -0.0571% | 5,862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2479% | 234 |
| Assets per employee ($millions) | 1.9570% | 6,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8438% | 1,917 |
| Loan loss allowance to noncurrent loans | 29.5824% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 2.7575% | 1,092 |
| Noncurrent loans to loans | 6.2328% | 281 |
| Net loans and leases to total assets | 24.7733% | 6,493 |
| Net loans and leases to deposits | 29.8943% | 6,481 |
| Net loans and leases to core deposits | 30.9854% | 6,480 |
| Total domestic deposits to total assets | 82.8695% | 4,652 |
| Equity capital to assets | 17.0703% | 391 |
| Core capital (leverage) ratio | 17.1337% | 356 |
| Tier 1 risk-based capital ratio | 34.5334% | 365 |
| Total risk-based capital ratio | 35.4497% | 365 |
| Memoranda: | ||
| Average total assets | $53,924,500 | 5,866 |
| Average earning assets | $49,928,000 | 5,842 |
| Average equity | $9,288,000 | 4,977 |
| Average total loans | $14,005,000 | 6,380 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3616% | 5,906 |
| Cost of funding earning assets | 0.0969% | 6,681 |
| Net interest margin | 3.2647% | 4,788 |
| Noninterest income to average assets | 0.5001% | 3,756 |
| Noninterest expense to average assets | 3.6976% | 1,289 |
| Loan and lease loss provision to assets | -0.0692% | 6,428 |
| Net operating income to assets | 0.2412% | 5,713 |
| Return on assets (ROA) | 0.3405% | 5,482 |
| Pretax return on assets | 0.0177% | 6,205 |
| Return on Equity (ROE) | 2.0170% | 5,833 |
| Retained earnings to average equity (ytd only) | 2.0170% | 4,799 |
| Net charge-offs to loans | -0.0317% | 6,239 |
| Credit loss provision to net charge-offs | 975.0000% | 265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2500% | 366 |
| Assets per employee ($millions) | 1.9649% | 6,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7772% | 2,138 |
| Loan loss allowance to noncurrent loans | 35.1955% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 2.5729% | 1,320 |
| Noncurrent loans to loans | 5.0494% | 489 |
| Net loans and leases to total assets | 26.2535% | 6,562 |
| Net loans and leases to deposits | 31.7780% | 6,542 |
| Net loans and leases to core deposits | 32.9821% | 6,533 |
| Total domestic deposits to total assets | 82.6152% | 4,672 |
| Equity capital to assets | 17.3829% | 369 |
| Core capital (leverage) ratio | 17.7501% | 312 |
| Tier 1 risk-based capital ratio | 34.4688% | 347 |
| Total risk-based capital ratio | 35.3666% | 352 |
| Memoranda: | ||
| Average total assets | $56,388,200 | 5,854 |
| Average earning assets | $52,623,400 | 5,813 |
| Average equity | $9,519,200 | 4,970 |
| Average total loans | $12,602,400 | 6,499 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3095% | 6,050 |
| Cost of funding earning assets | 0.1047% | 6,755 |
| Net interest margin | 3.2048% | 4,984 |
| Noninterest income to average assets | 0.4847% | 3,903 |
| Noninterest expense to average assets | 3.2760% | 2,127 |
| Loan and lease loss provision to assets | -0.0606% | 6,565 |
| Net operating income to assets | 0.3006% | 5,609 |
| Return on assets (ROA) | 0.3751% | 5,489 |
| Pretax return on assets | 0.3402% | 5,774 |
| Return on Equity (ROE) | 2.2376% | 5,865 |
| Retained earnings to average equity (ytd only) | 2.2376% | 4,975 |
| Net charge-offs to loans | -0.0219% | 6,064 |
| Credit loss provision to net charge-offs | 1,300.0000% | 244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1098% | 730 |
| Assets per employee ($millions) | 2.0334% | 6,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2446% | 1,260 |
| Loan loss allowance to noncurrent loans | 71.8579% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.8487% | 2,201 |
| Noncurrent loans to loans | 3.1237% | 1,267 |
| Net loans and leases to total assets | 20.8622% | 6,737 |
| Net loans and leases to deposits | 25.2480% | 6,738 |
| Net loans and leases to core deposits | 26.1704% | 6,739 |
| Total domestic deposits to total assets | 82.6294% | 4,711 |
| Equity capital to assets | 17.1047% | 408 |
| Core capital (leverage) ratio | 17.4051% | 346 |
| Tier 1 risk-based capital ratio | 35.4317% | 329 |
| Total risk-based capital ratio | 36.3987% | 325 |
| Memoranda: | ||
| Average total assets | $57,222,250 | 5,900 |
| Average earning assets | $53,501,500 | 5,840 |
| Average equity | $9,593,500 | 5,007 |
| Average total loans | $12,208,000 | 6,577 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2904% | 6,104 |
| Cost of funding earning assets | 0.1067% | 6,810 |
| Net interest margin | 3.1837% | 4,995 |
| Noninterest income to average assets | 0.4414% | 4,236 |
| Noninterest expense to average assets | 3.1899% | 2,379 |
| Loan and lease loss provision to assets | -0.0897% | 6,696 |
| Net operating income to assets | 0.3966% | 5,231 |
| Return on assets (ROA) | 0.4000% | 5,382 |
| Pretax return on assets | 0.3276% | 5,801 |
| Return on Equity (ROE) | 2.4014% | 5,833 |
| Retained earnings to average equity (ytd only) | 2.4014% | 4,771 |
| Net charge-offs to loans | -0.0162% | 5,894 |
| Credit loss provision to net charge-offs | 2,600.0000% | 129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1521% | 807 |
| Assets per employee ($millions) | 2.0928% | 6,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1773% | 1,469 |
| Loan loss allowance to noncurrent loans | 70.8108% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.8034% | 2,409 |
| Noncurrent loans to loans | 3.0749% | 1,444 |
| Net loans and leases to total assets | 20.8318% | 6,780 |
| Net loans and leases to deposits | 24.9296% | 6,788 |
| Net loans and leases to core deposits | 25.8034% | 6,782 |
| Total domestic deposits to total assets | 83.5625% | 4,489 |
| Equity capital to assets | 16.2587% | 495 |
| Core capital (leverage) ratio | 16.0631% | 455 |
| Tier 1 risk-based capital ratio | 33.4053% | 393 |
| Total risk-based capital ratio | 34.3170% | 396 |
| Memoranda: | ||
| Average total assets | $57,995,330 | 5,913 |
| Average earning assets | $54,339,670 | 5,852 |
| Average equity | $9,661,000 | 5,016 |
| Average total loans | $12,371,670 | 6,617 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2310% | 6,263 |
| Cost of funding earning assets | 0.1232% | 6,852 |
| Net interest margin | 3.1078% | 5,233 |
| Noninterest income to average assets | 0.4358% | 4,214 |
| Noninterest expense to average assets | 3.0779% | 2,742 |
| Loan and lease loss provision to assets | -0.1566% | 6,873 |
| Net operating income to assets | 0.5992% | 4,214 |
| Return on assets (ROA) | 0.5992% | 4,363 |
| Pretax return on assets | 0.4358% | 5,449 |
| Return on Equity (ROE) | 3.5563% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.5563% | 4,107 |
| Net charge-offs to loans | -0.0319% | 5,920 |
| Credit loss provision to net charge-offs | 2,300.0000% | 137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6836% | 1,010 |
| Assets per employee ($millions) | 2.2765% | 6,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1596% | 1,666 |
| Loan loss allowance to noncurrent loans | 1,477.7778% | 338 |
| Noncurrent assets plus other real estate owned to assets | 1.0852% | 3,764 |
| Noncurrent loans to loans | 0.1461% | 6,033 |
| Net loans and leases to total assets | 19.6060% | 6,861 |
| Net loans and leases to deposits | 23.4981% | 6,870 |
| Net loans and leases to core deposits | 24.2538% | 6,862 |
| Total domestic deposits to total assets | 83.4364% | 4,696 |
| Equity capital to assets | 16.1602% | 534 |
| Core capital (leverage) ratio | 15.7213% | 489 |
| Tier 1 risk-based capital ratio | 32.6710% | 427 |
| Total risk-based capital ratio | 33.5791% | 431 |
| Memoranda: | ||
| Average total assets | $58,740,500 | 5,942 |
| Average earning assets | $55,215,500 | 5,868 |
| Average equity | $9,898,000 | 5,011 |
| Average total loans | $12,541,000 | 6,676 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3320% | 4,083 |
| Cost of funding earning assets | 0.1280% | 6,962 |
| Net interest margin | 4.2040% | 1,649 |
| Noninterest income to average assets | 0.4223% | 4,438 |
| Noninterest expense to average assets | 3.8712% | 1,131 |
| Loan and lease loss provision to assets | -1.3708% | 7,075 |
| Net operating income to assets | 1.4516% | 1,001 |
| Return on assets (ROA) | 1.4957% | 1,015 |
| Pretax return on assets | 1.9673% | 636 |
| Return on Equity (ROE) | 7.1134% | 3,579 |
| Retained earnings to average equity (ytd only) | -17.8255% | 6,813 |
| Net charge-offs to loans | -4.5200% | 7,039 |
| Credit loss provision to net charge-offs | 106.7123% | 2,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7893% | 1,258 |
| Assets per employee ($millions) | 2.0746% | 6,886 |
| Cash dividends to net income (ytd only)* | 350.5882% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2562% | 1,448 |
| Loan loss allowance to noncurrent loans | 320.0000% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 1.2390% | 3,584 |
| Noncurrent loans to loans | 0.7051% | 4,778 |
| Net loans and leases to total assets | 22.2744% | 6,892 |
| Net loans and leases to deposits | 27.2412% | 6,890 |
| Net loans and leases to core deposits | 28.2260% | 6,881 |
| Total domestic deposits to total assets | 81.7674% | 5,173 |
| Equity capital to assets | 17.6078% | 356 |
| Core capital (leverage) ratio | 16.3215% | 413 |
| Tier 1 risk-based capital ratio | 32.8608% | 406 |
| Total risk-based capital ratio | 33.8590% | 405 |
| Memoranda: | ||
| Average total assets | $56,829,400 | 6,002 |
| Average earning assets | $53,901,000 | 5,932 |
| Average equity | $11,949,200 | 4,579 |
| Average total loans | $16,150,400 | 6,592 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 3,219 |
| Cost of funding earning assets | 0.1280% | 7,077 |
| Net interest margin | 4.4678% | 1,050 |
| Noninterest income to average assets | 0.4068% | 4,585 |
| Noninterest expense to average assets | 3.5557% | 1,640 |
| Loan and lease loss provision to assets | -1.9894% | 7,178 |
| Net operating income to assets | 2.1334% | 316 |
| Return on assets (ROA) | 2.1624% | 340 |
| Pretax return on assets | 3.1256% | 137 |
| Return on Equity (ROE) | 9.8895% | 2,403 |
| Retained earnings to average equity (ytd only) | 9.6329% | 1,019 |
| Net charge-offs to loans | -5.4048% | 7,136 |
| Credit loss provision to net charge-offs | 123.5123% | 2,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4706% | 2,600 |
| Assets per employee ($millions) | 2.1464% | 6,945 |
| Cash dividends to net income (ytd only)* | 2.5947% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 5,167 |
| Loan loss allowance to noncurrent loans | 25.3644% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1837% | 3,927 |
| Noncurrent loans to loans | 4.8300% | 949 |
| Net loans and leases to total assets | 24.2075% | 6,965 |
| Net loans and leases to deposits | 31.4439% | 6,922 |
| Net loans and leases to core deposits | 32.6119% | 6,923 |
| Total domestic deposits to total assets | 76.9865% | 6,235 |
| Equity capital to assets | 22.4216% | 157 |
| Core capital (leverage) ratio | 21.1826% | 163 |
| Tier 1 risk-based capital ratio | 42.1242% | 207 |
| Total risk-based capital ratio | 42.7100% | 212 |
| Memoranda: | ||
| Average total assets | $57,033,000 | 6,067 |
| Average earning assets | $54,164,000 | 5,988 |
| Average equity | $12,470,750 | 4,511 |
| Average total loans | $16,996,750 | 6,640 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1817% | 1,304 |
| Cost of funding earning assets | 0.1375% | 7,142 |
| Net interest margin | 5.0442% | 371 |
| Noninterest income to average assets | 0.4055% | 4,611 |
| Noninterest expense to average assets | 3.7126% | 1,349 |
| Loan and lease loss provision to assets | -3.0251% | 7,244 |
| Net operating income to assets | 3.3293% | 83 |
| Return on assets (ROA) | 3.3424% | 85 |
| Pretax return on assets | 4.5199% | 69 |
| Return on Equity (ROE) | 15.4192% | 864 |
| Retained earnings to average equity (ytd only) | 15.0289% | 282 |
| Net charge-offs to loans | -7.6863% | 7,200 |
| Credit loss provision to net charge-offs | 124.5283% | 2,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5353% | 3,513 |
| Assets per employee ($millions) | 2.2733% | 6,931 |
| Cash dividends to net income (ytd only)* | 2.5316% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 6,262 |
| Loan loss allowance to noncurrent loans | 17.6907% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 1.5972% | 3,323 |
| Noncurrent loans to loans | 5.4814% | 850 |
| Net loans and leases to total assets | 28.8554% | 6,907 |
| Net loans and leases to deposits | 37.3211% | 6,830 |
| Net loans and leases to core deposits | 38.6726% | 6,848 |
| Total domestic deposits to total assets | 77.3166% | 6,275 |
| Equity capital to assets | 21.8611% | 164 |
| Core capital (leverage) ratio | 21.1757% | 155 |
| Tier 1 risk-based capital ratio | 38.4481% | 265 |
| Total risk-based capital ratio | 38.9603% | 274 |
| Memoranda: | ||
| Average total assets | $56,726,330 | 6,119 |
| Average earning assets | $53,804,330 | 6,037 |
| Average equity | $12,296,330 | 4,542 |
| Average total loans | $17,928,000 | 6,651 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 5,831 |
| Cost of funding earning assets | 0.1293% | 7,215 |
| Net interest margin | 3.8499% | 3,139 |
| Noninterest income to average assets | 0.4177% | 4,533 |
| Noninterest expense to average assets | 3.5148% | 1,732 |
| Loan and lease loss provision to assets | -0.1152% | 7,186 |
| Net operating income to assets | 0.5402% | 4,651 |
| Return on assets (ROA) | 0.5402% | 4,862 |
| Pretax return on assets | 0.6626% | 4,904 |
| Return on Equity (ROE) | 2.5033% | 5,905 |
| Retained earnings to average equity (ytd only) | 2.5033% | 5,008 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5248% | 1,428 |
| Assets per employee ($millions) | 2.2128% | 7,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 3,123 |
| Loan loss allowance to noncurrent loans | 19.1388% | 6,591 |
| Noncurrent assets plus other real estate owned to assets | 2.9062% | 1,992 |
| Noncurrent loans to loans | 9.2010% | 358 |
| Net loans and leases to total assets | 31.0291% | 6,867 |
| Net loans and leases to deposits | 39.4093% | 6,763 |
| Net loans and leases to core deposits | 40.8494% | 6,789 |
| Total domestic deposits to total assets | 78.7357% | 6,137 |
| Equity capital to assets | 20.9115% | 188 |
| Core capital (leverage) ratio | 20.5720% | 177 |
| Tier 1 risk-based capital ratio | 34.9490% | 338 |
| Total risk-based capital ratio | 35.9064% | 340 |
| Memoranda: | ||
| Average total assets | $55,537,000 | 6,189 |
| Average earning assets | $52,573,000 | 6,117 |
| Average equity | $11,984,000 | 4,612 |
| Average total loans | $18,281,000 | 6,694 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 5,139 |
| Cost of funding earning assets | 0.2336% | 7,199 |
| Net interest margin | 4.2509% | 1,880 |
| Noninterest income to average assets | 0.4789% | 4,000 |
| Noninterest expense to average assets | 3.8295% | 1,288 |
| Loan and lease loss provision to assets | -0.1656% | 7,296 |
| Net operating income to assets | 0.8227% | 2,942 |
| Return on assets (ROA) | 0.8768% | 2,842 |
| Pretax return on assets | 0.9002% | 3,608 |
| Return on Equity (ROE) | 4.1838% | 4,761 |
| Retained earnings to average equity (ytd only) | 3.7628% | 3,540 |
| Net charge-offs to loans | -0.1644% | 7,193 |
| Credit loss provision to net charge-offs | 270.5882% | 886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9441% | 1,671 |
| Assets per employee ($millions) | 1.9122% | 7,187 |
| Cash dividends to net income (ytd only)* | 10.0616% | 3,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8271% | 2,782 |
| Loan loss allowance to noncurrent loans | 20.8955% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 3.0033% | 2,007 |
| Noncurrent loans to loans | 8.7439% | 415 |
| Net loans and leases to total assets | 33.7200% | 6,879 |
| Net loans and leases to deposits | 43.6224% | 6,738 |
| Net loans and leases to core deposits | 46.6668% | 6,707 |
| Total domestic deposits to total assets | 77.2996% | 6,299 |
| Equity capital to assets | 22.2951% | 148 |
| Core capital (leverage) ratio | 21.5947% | 147 |
| Tier 1 risk-based capital ratio | 35.6616% | 314 |
| Total risk-based capital ratio | 36.6941% | 315 |
| Memoranda: | ||
| Average total assets | $55,542,600 | 6,180 |
| Average earning assets | $52,647,200 | 6,100 |
| Average equity | $11,640,200 | 4,627 |
| Average total loans | $20,687,400 | 6,624 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 4,580 |
| Cost of funding earning assets | 0.2635% | 7,265 |
| Net interest margin | 4.4094% | 1,379 |
| Noninterest income to average assets | 0.4949% | 3,908 |
| Noninterest expense to average assets | 3.4473% | 2,080 |
| Loan and lease loss provision to assets | -0.0547% | 7,334 |
| Net operating income to assets | 1.0759% | 2,057 |
| Return on assets (ROA) | 1.1039% | 2,094 |
| Pretax return on assets | 1.3156% | 2,242 |
| Return on Equity (ROE) | 5.3489% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.0607% | 3,136 |
| Net charge-offs to loans | -0.2132% | 7,272 |
| Credit loss provision to net charge-offs | 67.6471% | 4,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7405% | 3,231 |
| Assets per employee ($millions) | 1.9235% | 7,253 |
| Cash dividends to net income (ytd only)* | 5.3875% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 2,412 |
| Loan loss allowance to noncurrent loans | 22.4444% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 3.3422% | 1,902 |
| Noncurrent loans to loans | 8.7848% | 465 |
| Net loans and leases to total assets | 37.2951% | 6,807 |
| Net loans and leases to deposits | 48.1586% | 6,615 |
| Net loans and leases to core deposits | 51.1615% | 6,610 |
| Total domestic deposits to total assets | 77.4421% | 6,309 |
| Equity capital to assets | 22.2887% | 164 |
| Core capital (leverage) ratio | 20.7469% | 188 |
| Tier 1 risk-based capital ratio | 33.9126% | 386 |
| Total risk-based capital ratio | 35.0926% | 380 |
| Memoranda: | ||
| Average total assets | $56,043,000 | 6,212 |
| Average earning assets | $53,127,500 | 6,122 |
| Average equity | $11,566,000 | 4,672 |
| Average total loans | $21,261,750 | 6,663 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 4,242 |
| Cost of funding earning assets | 0.3041% | 7,300 |
| Net interest margin | 4.4579% | 1,230 |
| Noninterest income to average assets | 0.5002% | 3,850 |
| Noninterest expense to average assets | 3.5053% | 1,964 |
| Loan and lease loss provision to assets | -0.0317% | 7,390 |
| Net operating income to assets | 1.0360% | 2,082 |
| Return on assets (ROA) | 1.0533% | 2,122 |
| Pretax return on assets | 1.2823% | 2,197 |
| Return on Equity (ROE) | 5.2364% | 4,342 |
| Retained earnings to average equity (ytd only) | 4.7986% | 3,125 |
| Net charge-offs to loans | -0.3067% | 7,349 |
| Credit loss provision to net charge-offs | 27.2727% | 5,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0327% | 3,357 |
| Assets per employee ($millions) | 2.0245% | 7,286 |
| Cash dividends to net income (ytd only)* | 8.3612% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8754% | 2,749 |
| Loan loss allowance to noncurrent loans | 29.8571% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 2.4698% | 2,698 |
| Noncurrent loans to loans | 6.2814% | 914 |
| Net loans and leases to total assets | 38.5816% | 6,830 |
| Net loans and leases to deposits | 48.7963% | 6,681 |
| Net loans and leases to core deposits | 51.9194% | 6,672 |
| Total domestic deposits to total assets | 79.0668% | 6,068 |
| Equity capital to assets | 20.6739% | 228 |
| Core capital (leverage) ratio | 19.7843% | 237 |
| Tier 1 risk-based capital ratio | 34.9530% | 350 |
| Total risk-based capital ratio | 36.2021% | 341 |
| Memoranda: | ||
| Average total assets | $56,771,670 | 6,239 |
| Average earning assets | $53,926,670 | 6,147 |
| Average equity | $11,420,000 | 4,711 |
| Average total loans | $21,519,000 | 6,721 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 5,813 |
| Cost of funding earning assets | 0.3785% | 7,271 |
| Net interest margin | 3.9851% | 2,748 |
| Noninterest income to average assets | 0.4999% | 3,890 |
| Noninterest expense to average assets | 3.5132% | 1,968 |
| Loan and lease loss provision to assets | 0.0070% | 5,791 |
| Net operating income to assets | 0.7111% | 3,469 |
| Return on assets (ROA) | 0.7111% | 3,534 |
| Pretax return on assets | 0.7604% | 4,056 |
| Return on Equity (ROE) | 3.5846% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.5846% | 4,033 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0724% | 2,218 |
| Assets per employee ($millions) | 2.0711% | 7,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8386% | 2,893 |
| Loan loss allowance to noncurrent loans | 28.2749% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 2.4090% | 2,826 |
| Noncurrent loans to loans | 6.5025% | 915 |
| Net loans and leases to total assets | 36.3660% | 6,987 |
| Net loans and leases to deposits | 45.2942% | 6,896 |
| Net loans and leases to core deposits | 48.4248% | 6,858 |
| Total domestic deposits to total assets | 80.2883% | 5,877 |
| Equity capital to assets | 19.6410% | 272 |
| Core capital (leverage) ratio | 19.1969% | 264 |
| Tier 1 risk-based capital ratio | 34.6734% | 356 |
| Total risk-based capital ratio | 35.8883% | 351 |
| Memoranda: | ||
| Average total assets | $56,815,000 | 6,287 |
| Average earning assets | $53,900,500 | 6,204 |
| Average equity | $11,270,500 | 4,726 |
| Average total loans | $21,134,500 | 6,787 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7292% | 5,695 |
| Cost of funding earning assets | 0.7902% | 6,613 |
| Net interest margin | 3.9390% | 3,307 |
| Noninterest income to average assets | 0.5263% | 3,980 |
| Noninterest expense to average assets | 3.4265% | 2,364 |
| Loan and lease loss provision to assets | 0.5758% | 2,829 |
| Net operating income to assets | 0.3497% | 4,738 |
| Return on assets (ROA) | 0.5378% | 4,085 |
| Pretax return on assets | 0.4619% | 4,756 |
| Return on Equity (ROE) | 2.9118% | 4,990 |
| Retained earnings to average equity (ytd only) | 2.5813% | 4,054 |
| Net charge-offs to loans | 0.9626% | 2,250 |
| Credit loss provision to net charge-offs | 169.4175% | 2,005 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,864 |
| Efficiency ratio | 80.1312% | 2,398 |
| Assets per employee ($millions) | 1.9871% | 7,427 |
| Cash dividends to net income (ytd only)* | 11.3497% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8956% | 2,579 |
| Loan loss allowance to noncurrent loans | 27.0977% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 2.6133% | 2,662 |
| Noncurrent loans to loans | 6.9954% | 804 |
| Net loans and leases to total assets | 36.6488% | 7,126 |
| Net loans and leases to deposits | 45.8823% | 7,049 |
| Net loans and leases to core deposits | 49.8302% | 6,984 |
| Total domestic deposits to total assets | 79.8756% | 5,869 |
| Equity capital to assets | 20.0417% | 259 |
| Core capital (leverage) ratio | 18.8619% | 286 |
| Tier 1 risk-based capital ratio | 35.2249% | 341 |
| Total risk-based capital ratio | 36.4677% | 336 |
| Memoranda: | ||
| Average total assets | $60,615,600 | 6,171 |
| Average earning assets | $57,704,800 | 6,073 |
| Average equity | $11,195,800 | 4,816 |
| Average total loans | $21,399,600 | 6,854 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8075% | 5,627 |
| Cost of funding earning assets | 0.8435% | 6,610 |
| Net interest margin | 3.9641% | 3,270 |
| Noninterest income to average assets | 0.5044% | 4,145 |
| Noninterest expense to average assets | 2.9981% | 3,755 |
| Loan and lease loss provision to assets | 0.4634% | 3,157 |
| Net operating income to assets | 0.6920% | 3,452 |
| Return on assets (ROA) | 0.8966% | 2,776 |
| Pretax return on assets | 1.0647% | 2,952 |
| Return on Equity (ROE) | 4.9491% | 4,317 |
| Retained earnings to average equity (ytd only) | 4.5090% | 3,340 |
| Net charge-offs to loans | 0.0124% | 6,494 |
| Credit loss provision to net charge-offs | 10,750.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 297.6217% | 106 |
| Efficiency ratio | 70.0050% | 4,067 |
| Assets per employee ($millions) | 2.1919% | 7,391 |
| Cash dividends to net income (ytd only)* | 8.8939% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1962% | 1,818 |
| Loan loss allowance to noncurrent loans | 263.0682% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 6,652 |
| Noncurrent loans to loans | 0.8348% | 5,549 |
| Net loans and leases to total assets | 33.5968% | 7,360 |
| Net loans and leases to deposits | 41.6134% | 7,317 |
| Net loans and leases to core deposits | 47.7634% | 7,216 |
| Total domestic deposits to total assets | 80.7355% | 5,468 |
| Equity capital to assets | 18.9272% | 353 |
| Core capital (leverage) ratio | 17.6373% | 374 |
| Tier 1 risk-based capital ratio | 33.5689% | 392 |
| Total risk-based capital ratio | 34.8214% | 384 |
| Memoranda: | ||
| Average total assets | $61,859,750 | 6,198 |
| Average earning assets | $58,961,500 | 6,096 |
| Average equity | $11,207,000 | 4,873 |
| Average total loans | $21,553,250 | 6,937 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6538% | 6,297 |
| Cost of funding earning assets | 0.8557% | 6,739 |
| Net interest margin | 3.7981% | 3,899 |
| Noninterest income to average assets | 0.4837% | 4,250 |
| Noninterest expense to average assets | 2.9280% | 3,968 |
| Loan and lease loss provision to assets | 0.7352% | 1,971 |
| Net operating income to assets | 0.3868% | 4,809 |
| Return on assets (ROA) | 0.6933% | 3,586 |
| Pretax return on assets | 0.7900% | 3,917 |
| Return on Equity (ROE) | 3.8841% | 4,828 |
| Retained earnings to average equity (ytd only) | 3.2157% | 4,061 |
| Net charge-offs to loans | 0.0368% | 5,841 |
| Credit loss provision to net charge-offs | 5,700.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 91.2500% | 360 |
| Efficiency ratio | 71.3276% | 3,939 |
| Assets per employee ($millions) | 2.2925% | 7,358 |
| Cash dividends to net income (ytd only)* | 17.2093% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2088% | 1,735 |
| Loan loss allowance to noncurrent loans | 30.7046% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 2.4101% | 2,983 |
| Noncurrent loans to loans | 7.1937% | 769 |
| Net loans and leases to total assets | 32.7626% | 7,459 |
| Net loans and leases to deposits | 39.8295% | 7,447 |
| Net loans and leases to core deposits | 46.1043% | 7,352 |
| Total domestic deposits to total assets | 82.2571% | 4,884 |
| Equity capital to assets | 17.5778% | 463 |
| Core capital (leverage) ratio | 17.1477% | 424 |
| Tier 1 risk-based capital ratio | 32.0882% | 424 |
| Total risk-based capital ratio | 33.3391% | 413 |
| Memoranda: | ||
| Average total assets | $62,022,330 | 6,236 |
| Average earning assets | $59,135,000 | 6,135 |
| Average equity | $11,070,670 | 4,907 |
| Average total loans | $21,710,330 | 6,982 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0265% | 4,899 |
| Cost of funding earning assets | 0.8607% | 6,896 |
| Net interest margin | 4.1658% | 2,169 |
| Noninterest income to average assets | 0.4529% | 4,438 |
| Noninterest expense to average assets | 3.0785% | 3,354 |
| Loan and lease loss provision to assets | 0.0394% | 6,284 |
| Net operating income to assets | 0.9746% | 2,286 |
| Return on assets (ROA) | 1.4506% | 1,054 |
| Pretax return on assets | 1.9495% | 667 |
| Return on Equity (ROE) | 8.0624% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.0624% | 1,683 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5846% | 4,398 |
| Assets per employee ($millions) | 2.2939% | 7,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 5,648 |
| Loan loss allowance to noncurrent loans | 262.2449% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 7,098 |
| Noncurrent loans to loans | 0.4467% | 6,409 |
| Net loans and leases to total assets | 33.7594% | 7,501 |
| Net loans and leases to deposits | 40.9314% | 7,491 |
| Net loans and leases to core deposits | 47.3397% | 7,385 |
| Total domestic deposits to total assets | 82.4780% | 4,862 |
| Equity capital to assets | 17.4021% | 481 |
| Core capital (leverage) ratio | 17.9406% | 375 |
| Tier 1 risk-based capital ratio | 32.1916% | 429 |
| Total risk-based capital ratio | 32.9370% | 441 |
| Memoranda: | ||
| Average total assets | $60,939,000 | 6,351 |
| Average earning assets | $58,092,500 | 6,240 |
| Average equity | $10,964,500 | 4,984 |
| Average total loans | $21,813,000 | 7,058 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4273% | 4,548 |
| Cost of funding earning assets | 1.2016% | 6,652 |
| Net interest margin | 4.2257% | 1,989 |
| Noninterest income to average assets | 0.4722% | 4,637 |
| Noninterest expense to average assets | 3.4791% | 2,427 |
| Loan and lease loss provision to assets | 0.0287% | 7,234 |
| Net operating income to assets | 0.8248% | 2,431 |
| Return on assets (ROA) | 0.8758% | 2,326 |
| Pretax return on assets | 1.0417% | 2,452 |
| Return on Equity (ROE) | 5.1862% | 3,586 |
| Retained earnings to average equity (ytd only) | 4.4871% | 2,109 |
| Net charge-offs to loans | 0.1068% | 6,082 |
| Credit loss provision to net charge-offs | 85.7143% | 6,136 |
| Earnings coverage of net charge-offs (x) | 30.1429% | 757 |
| Efficiency ratio | 77.5053% | 3,267 |
| Assets per employee ($millions) | 2.0589% | 7,696 |
| Cash dividends to net income (ytd only)* | 13.4791% | 3,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 5,601 |
| Loan loss allowance to noncurrent loans | 179.2857% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 6,855 |
| Noncurrent loans to loans | 0.6456% | 5,946 |
| Net loans and leases to total assets | 37.1813% | 7,476 |
| Net loans and leases to deposits | 45.7954% | 7,452 |
| Net loans and leases to core deposits | 60.8897% | 7,231 |
| Total domestic deposits to total assets | 81.1899% | 5,270 |
| Equity capital to assets | 18.6505% | 393 |
| Core capital (leverage) ratio | 18.3245% | 381 |
| Tier 1 risk-based capital ratio | 32.5135% | 427 |
| Total risk-based capital ratio | 33.2636% | 434 |
| Memoranda: | ||
| Average total assets | $62,688,600 | 6,249 |
| Average earning assets | $59,587,200 | 6,142 |
| Average equity | $10,585,800 | 5,132 |
| Average total loans | $19,663,600 | 7,214 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4117% | 4,890 |
| Cost of funding earning assets | 1.2718% | 6,653 |
| Net interest margin | 4.1399% | 2,249 |
| Noninterest income to average assets | 0.4587% | 4,835 |
| Noninterest expense to average assets | 3.0878% | 3,689 |
| Loan and lease loss provision to assets | -0.0375% | 8,052 |
| Net operating income to assets | 1.0479% | 1,910 |
| Return on assets (ROA) | 1.0967% | 1,802 |
| Pretax return on assets | 1.4074% | 1,673 |
| Return on Equity (ROE) | 6.6512% | 3,234 |
| Retained earnings to average equity (ytd only) | 6.1833% | 1,860 |
| Net charge-offs to loans | 0.0905% | 5,783 |
| Credit loss provision to net charge-offs | -138.4615% | 7,216 |
| Earnings coverage of net charge-offs (x) | 48.2389% | 658 |
| Efficiency ratio | 70.2562% | 4,539 |
| Assets per employee ($millions) | 2.1702% | 7,639 |
| Cash dividends to net income (ytd only)* | 7.0339% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,550 |
| Loan loss allowance to noncurrent loans | 202.7273% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 7,079 |
| Noncurrent loans to loans | 0.5563% | 6,201 |
| Net loans and leases to total assets | 32.1759% | 7,743 |
| Net loans and leases to deposits | 39.4926% | 7,745 |
| Net loans and leases to core deposits | 52.9621% | 7,628 |
| Total domestic deposits to total assets | 81.4732% | 4,888 |
| Equity capital to assets | 18.2503% | 489 |
| Core capital (leverage) ratio | 16.6899% | 589 |
| Tier 1 risk-based capital ratio | 33.5035% | 419 |
| Total risk-based capital ratio | 34.1893% | 434 |
| Memoranda: | ||
| Average total assets | $63,948,250 | 6,250 |
| Average earning assets | $60,805,000 | 6,148 |
| Average equity | $10,544,250 | 5,180 |
| Average total loans | $19,158,000 | 7,310 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4633% | 4,826 |
| Cost of funding earning assets | 1.3156% | 6,749 |
| Net interest margin | 4.1477% | 2,169 |
| Noninterest income to average assets | 0.4461% | 4,882 |
| Noninterest expense to average assets | 2.8888% | 4,542 |
| Loan and lease loss provision to assets | 0.0646% | 6,567 |
| Net operating income to assets | 1.0923% | 1,801 |
| Return on assets (ROA) | 1.1414% | 1,713 |
| Pretax return on assets | 1.4952% | 1,456 |
| Return on Equity (ROE) | 7.1606% | 3,128 |
| Retained earnings to average equity (ytd only) | 6.4464% | 1,825 |
| Net charge-offs to loans | 0.1583% | 4,612 |
| Credit loss provision to net charge-offs | 140.0000% | 3,336 |
| Earnings coverage of net charge-offs (x) | 32.4000% | 946 |
| Efficiency ratio | 65.8947% | 5,564 |
| Assets per employee ($millions) | 2.3310% | 7,509 |
| Cash dividends to net income (ytd only)* | 9.9730% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 4,022 |
| Loan loss allowance to noncurrent loans | 13,000.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,656 |
| Noncurrent loans to loans | 0.0103% | 7,536 |
| Net loans and leases to total assets | 29.2813% | 7,904 |
| Net loans and leases to deposits | 34.9672% | 7,919 |
| Net loans and leases to core deposits | 47.0483% | 7,818 |
| Total domestic deposits to total assets | 83.7391% | 3,902 |
| Equity capital to assets | 16.0556% | 810 |
| Core capital (leverage) ratio | 16.2502% | 711 |
| Tier 1 risk-based capital ratio | 33.1093% | 465 |
| Total risk-based capital ratio | 33.9110% | 466 |
| Memoranda: | ||
| Average total assets | $65,009,000 | 6,261 |
| Average earning assets | $61,721,000 | 6,155 |
| Average equity | $10,362,330 | 5,264 |
| Average total loans | $18,952,330 | 7,399 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6475% | 4,065 |
| Cost of funding earning assets | 1.3437% | 6,896 |
| Net interest margin | 4.3038% | 1,592 |
| Noninterest income to average assets | 0.4501% | 4,767 |
| Noninterest expense to average assets | 2.8298% | 4,426 |
| Loan and lease loss provision to assets | -0.0432% | 8,189 |
| Net operating income to assets | 1.2885% | 1,408 |
| Return on assets (ROA) | 1.2885% | 1,504 |
| Pretax return on assets | 1.7509% | 1,077 |
| Return on Equity (ROE) | 8.1134% | 3,092 |
| Retained earnings to average equity (ytd only) | 8.1134% | 1,767 |
| Net charge-offs to loans | -0.0640% | 7,774 |
| Credit loss provision to net charge-offs | 233.3333% | 1,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3641% | 5,987 |
| Assets per employee ($millions) | 2.3890% | 7,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 3,841 |
| Loan loss allowance to noncurrent loans | 961.5385% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 7,499 |
| Noncurrent loans to loans | 0.1396% | 7,124 |
| Net loans and leases to total assets | 27.4726% | 7,972 |
| Net loans and leases to deposits | 32.5280% | 8,005 |
| Net loans and leases to core deposits | 43.1679% | 7,920 |
| Total domestic deposits to total assets | 84.4585% | 3,482 |
| Equity capital to assets | 15.2963% | 1,015 |
| Core capital (leverage) ratio | 16.0451% | 779 |
| Tier 1 risk-based capital ratio | 32.1791% | 523 |
| Total risk-based capital ratio | 32.9371% | 533 |
| Memoranda: | ||
| Average total assets | $64,880,000 | 6,296 |
| Average earning assets | $61,620,500 | 6,189 |
| Average equity | $10,304,000 | 5,296 |
| Average total loans | $18,743,000 | 7,453 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1649% | 4,698 |
| Cost of funding earning assets | 1.4854% | 7,630 |
| Net interest margin | 4.6795% | 1,011 |
| Noninterest income to average assets | 0.5598% | 4,164 |
| Noninterest expense to average assets | 3.3146% | 2,924 |
| Loan and lease loss provision to assets | 0.0696% | 6,523 |
| Net operating income to assets | 1.2070% | 1,747 |
| Return on assets (ROA) | 1.2177% | 1,665 |
| Pretax return on assets | 1.6336% | 1,300 |
| Return on Equity (ROE) | 7.8546% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.3547% | 1,032 |
| Net charge-offs to loans | 0.4200% | 2,717 |
| Credit loss provision to net charge-offs | 55.0000% | 6,291 |
| Earnings coverage of net charge-offs (x) | 13.3500% | 2,136 |
| Efficiency ratio | 66.2453% | 5,076 |
| Assets per employee ($millions) | 2.2453% | 7,639 |
| Cash dividends to net income (ytd only)* | 6.3636% | 4,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 3,494 |
| Loan loss allowance to noncurrent loans | 153.9394% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 6,530 |
| Noncurrent loans to loans | 0.8749% | 4,866 |
| Net loans and leases to total assets | 29.5938% | 7,995 |
| Net loans and leases to deposits | 35.6698% | 8,033 |
| Net loans and leases to core deposits | 48.2921% | 7,921 |
| Total domestic deposits to total assets | 82.9659% | 3,786 |
| Equity capital to assets | 16.5044% | 839 |
| Core capital (leverage) ratio | 16.3103% | 781 |
| Tier 1 risk-based capital ratio | 32.2896% | 537 |
| Total risk-based capital ratio | 33.0778% | 547 |
| Memoranda: | ||
| Average total assets | $63,236,200 | 6,264 |
| Average earning assets | $60,049,400 | 6,167 |
| Average equity | $9,803,200 | 5,474 |
| Average total loans | $19,045,800 | 7,397 |