Home > Capra Bank > Performance and Condition Ratios
Capra Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7422% | 888 |
| Cost of funding earning assets | 1.9264% | 1,029 |
| Net interest margin | 3.8158% | 1,543 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 6.5625% | 157 |
| Loan and lease loss provision to assets | 0.5700% | 146 |
| Net operating income to assets | -2.6303% | 4,577 |
| Return on assets (ROA) | -2.6303% | 4,574 |
| Pretax return on assets | -3.4799% | 4,580 |
| Return on Equity (ROE) | -17.4400% | 4,536 |
| Retained earnings to average equity (ytd only) | -17.4425% | 4,509 |
| Net charge-offs to loans | 0.0505% | 1,359 |
| Credit loss provision to net charge-offs | 4,580.0000% | 122 |
| Earnings coverage of net charge-offs (x) | -232.7333% | 4,603 |
| Efficiency ratio | 176.5725% | 22 |
| Assets per employee ($millions) | 4.9985% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 842 |
| Loan loss allowance to noncurrent loans | 65.8480% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 910 |
| Noncurrent loans to loans | 2.4245% | 206 |
| Net loans and leases to total assets | 24.6100% | 4,374 |
| Net loans and leases to deposits | 27.9930% | 4,375 |
| Net loans and leases to core deposits | 28.0561% | 4,414 |
| Total domestic deposits to total assets | 87.9000% | 1,390 |
| Equity capital to assets | 11.3467% | 1,352 |
| Core capital (leverage) ratio | 10.1302% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5515% | 352 |
| Memoranda: | ||
| Average total assets | $120,061,000 | 3,651 |
| Average earning assets | $110,880,600 | 3,639 |
| Average equity | $18,105,200 | 3,000 |
| Average total loans | $29,714,600 | 4,142 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6658% | 834 |
| Cost of funding earning assets | 1.6142% | 1,348 |
| Net interest margin | 4.0516% | 1,147 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 6.8711% | 147 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | -2.5769% | 4,606 |
| Return on assets (ROA) | -2.5769% | 4,605 |
| Pretax return on assets | -3.2619% | 4,605 |
| Return on Equity (ROE) | -15.0100% | 4,560 |
| Retained earnings to average equity (ytd only) | -15.0147% | 4,535 |
| Net charge-offs to loans | 0.0844% | 880 |
| Credit loss provision to net charge-offs | 1,013.3333% | 394 |
| Earnings coverage of net charge-offs (x) | -147.0000% | 4,631 |
| Efficiency ratio | 176.3406% | 25 |
| Assets per employee ($millions) | 3.3057% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 3,311 |
| Loan loss allowance to noncurrent loans | 56.2718% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 1,492 |
| Noncurrent loans to loans | 1.7959% | 360 |
| Net loans and leases to total assets | 21.2700% | 4,424 |
| Net loans and leases to deposits | 25.7379% | 4,418 |
| Net loans and leases to core deposits | 25.7379% | 4,420 |
| Total domestic deposits to total assets | 82.6300% | 3,085 |
| Equity capital to assets | 16.6642% | 413 |
| Core capital (leverage) ratio | 17.2411% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.7594% | 118 |
| Memoranda: | ||
| Average total assets | $96,342,500 | 3,876 |
| Average earning assets | $87,634,000 | 3,867 |
| Average equity | $16,534,500 | 3,116 |
| Average total loans | $23,707,250 | 4,256 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7969% | 557 |
| Cost of funding earning assets | 1.2206% | 1,925 |
| Net interest margin | 4.5764% | 553 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 7.5642% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -2.5231% | 4,631 |
| Return on assets (ROA) | -2.5231% | 4,631 |
| Pretax return on assets | -3.3345% | 4,636 |
| Return on Equity (ROE) | -14.4400% | 4,599 |
| Retained earnings to average equity (ytd only) | -14.4381% | 4,556 |
| Net charge-offs to loans | -0.0095% | 3,897 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 174.9400% | 28 |
| Assets per employee ($millions) | 3.5766% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7577% | 4,089 |
| Loan loss allowance to noncurrent loans | 80.2575% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 2,020 |
| Noncurrent loans to loans | 0.9440% | 805 |
| Net loans and leases to total assets | 24.4600% | 4,413 |
| Net loans and leases to deposits | 29.4807% | 4,402 |
| Net loans and leases to core deposits | 29.4807% | 4,408 |
| Total domestic deposits to total assets | 82.9700% | 3,057 |
| Equity capital to assets | 16.0868% | 437 |
| Core capital (leverage) ratio | 11.9261% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5088% | 368 |
| Memoranda: | ||
| Average total assets | $78,871,333 | 4,056 |
| Average earning assets | $70,623,667 | 4,070 |
| Average equity | $13,783,000 | 3,374 |
| Average total loans | $20,956,000 | 4,317 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9045% | 352 |
| Cost of funding earning assets | 0.9431% | 2,241 |
| Net interest margin | 4.9614% | 312 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 7.5738% | 140 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -2.4152% | 4,656 |
| Return on assets (ROA) | -2.4152% | 4,652 |
| Pretax return on assets | -3.0483% | 4,651 |
| Return on Equity (ROE) | -13.0600% | 4,613 |
| Retained earnings to average equity (ytd only) | -13.0592% | 4,527 |
| Net charge-offs to loans | -0.0209% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 163.0829% | 33 |
| Assets per employee ($millions) | 6.1861% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 3,813 |
| Loan loss allowance to noncurrent loans | 74.5020% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 1,506 |
| Noncurrent loans to loans | 1.2292% | 559 |
| Net loans and leases to total assets | 27.2600% | 4,418 |
| Net loans and leases to deposits | 35.4840% | 4,342 |
| Net loans and leases to core deposits | 35.4840% | 4,375 |
| Total domestic deposits to total assets | 76.8100% | 4,099 |
| Equity capital to assets | 22.7096% | 180 |
| Core capital (leverage) ratio | 17.6262% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1459% | 227 |
| Memoranda: | ||
| Average total assets | $68,235,000 | 4,219 |
| Average earning assets | $60,225,000 | 4,231 |
| Average equity | $12,619,500 | 3,511 |
| Average total loans | $19,093,500 | 4,406 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8897% | 4,624 |
| Cost of funding earning assets | 0.3796% | 2,263 |
| Net interest margin | 1.5101% | 4,633 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 2.1409% | 3,193 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.5384% | 4,644 |
| Return on assets (ROA) | -0.6767% | 4,644 |
| Pretax return on assets | -0.8888% | 4,644 |
| Return on Equity (ROE) | -6.1300% | 4,636 |
| Retained earnings to average equity (ytd only) | -6.1285% | 4,594 |
| Net charge-offs to loans | 0.0341% | 1,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -64.5000% | 4,713 |
| Efficiency ratio | 144.9612% | 44 |
| Assets per employee ($millions) | 6.9152% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 1,339 |
| Noncurrent loans to loans | 1.3396% | 512 |
| Net loans and leases to total assets | 28.5500% | 4,419 |
| Net loans and leases to deposits | 33.0383% | 4,412 |
| Net loans and leases to core deposits | 33.0383% | 4,437 |
| Total domestic deposits to total assets | 86.4100% | 2,599 |
| Equity capital to assets | 13.4663% | 636 |
| Core capital (leverage) ratio | 5.1137% | 4,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8564% | 2,985 |
| Memoranda: | ||
| Average total assets | $54,230,400 | 4,396 |
| Average earning assets | $48,738,200 | 4,388 |
| Average equity | $5,988,400 | 4,330 |
| Average total loans | $17,598,400 | 4,444 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0933% | 4,741 |
| Cost of funding earning assets | 0.0226% | 4,656 |
| Net interest margin | 0.0707% | 4,740 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 0.8246% | 4,697 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.5583% | 4,683 |
| Return on assets (ROA) | -0.6612% | 4,679 |
| Pretax return on assets | -0.8807% | 4,688 |
| Return on Equity (ROE) | -6.4100% | 4,675 |
| Retained earnings to average equity (ytd only) | -6.4065% | 4,631 |
| Net charge-offs to loans | 0.0456% | 1,029 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -49.0000% | 4,754 |
| Efficiency ratio | 1,113.7931% | 6 |
| Assets per employee ($millions) | 6.8678% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 3,800 |
| Loan loss allowance to noncurrent loans | 67.7291% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4568% | 1,185 |
| Noncurrent loans to loans | 1.3568% | 539 |
| Net loans and leases to total assets | 33.3600% | 4,328 |
| Net loans and leases to deposits | 39.6273% | 4,249 |
| Net loans and leases to core deposits | 39.8669% | 4,280 |
| Total domestic deposits to total assets | 84.1900% | 3,456 |
| Equity capital to assets | 15.6456% | 399 |
| Core capital (leverage) ratio | 7.2504% | 4,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8597% | 1,467 |
| Memoranda: | ||
| Average total assets | $52,228,750 | 4,450 |
| Average earning assets | $47,148,750 | 4,440 |
| Average equity | $5,390,250 | 4,427 |
| Average total loans | $17,556,250 | 4,479 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7843% | 4,006 |
| Cost of funding earning assets | 0.3465% | 1,300 |
| Net interest margin | 2.4379% | 4,179 |
| Noninterest income to average assets | 0.1831% | 4,089 |
| Noninterest expense to average assets | 1.9874% | 3,465 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4131% | 4,084 |
| Return on assets (ROA) | 0.4131% | 4,032 |
| Pretax return on assets | 0.4442% | 4,091 |
| Return on Equity (ROE) | 4.9055% | 3,832 |
| Retained earnings to average equity (ytd only) | 4.9055% | 2,738 |
| Net charge-offs to loans | 0.0812% | 664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 16.2857% | 1,625 |
| Efficiency ratio | 81.7308% | 821 |
| Assets per employee ($millions) | 5.7323% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 3,822 |
| Loan loss allowance to noncurrent loans | 82.0388% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 1,409 |
| Noncurrent loans to loans | 1.1500% | 703 |
| Net loans and leases to total assets | 34.3936% | 4,314 |
| Net loans and leases to deposits | 37.1625% | 4,363 |
| Net loans and leases to core deposits | 37.3802% | 4,396 |
| Total domestic deposits to total assets | 92.5491% | 637 |
| Equity capital to assets | 7.3676% | 3,551 |
| Core capital (leverage) ratio | 9.6409% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,324,333 | 4,498 |
| Average earning assets | $47,336,333 | 4,486 |
| Average equity | $4,321,667 | 4,590 |
| Average total loans | $17,241,667 | 4,539 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6902% | 3,965 |
| Cost of funding earning assets | 0.3626% | 1,115 |
| Net interest margin | 2.3275% | 4,193 |
| Noninterest income to average assets | 0.1719% | 4,137 |
| Noninterest expense to average assets | 1.9847% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2969% | 4,149 |
| Return on assets (ROA) | 0.2969% | 4,122 |
| Pretax return on assets | 0.3438% | 4,124 |
| Return on Equity (ROE) | 3.3173% | 4,028 |
| Retained earnings to average equity (ytd only) | 3.3173% | 3,164 |
| Net charge-offs to loans | 0.1183% | 458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 8.8000% | 1,506 |
| Efficiency ratio | 85.2349% | 776 |
| Assets per employee ($millions) | 5.7739% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,738 |
| Loan loss allowance to noncurrent loans | 90.4762% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 1,658 |
| Noncurrent loans to loans | 1.1040% | 812 |
| Net loans and leases to total assets | 32.6143% | 4,352 |
| Net loans and leases to deposits | 35.4954% | 4,400 |
| Net loans and leases to core deposits | 35.7025% | 4,435 |
| Total domestic deposits to total assets | 91.8830% | 624 |
| Equity capital to assets | 8.0496% | 3,532 |
| Core capital (leverage) ratio | 9.5940% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,191,000 | 4,527 |
| Average earning assets | $47,432,000 | 4,509 |
| Average equity | $4,582,000 | 4,606 |
| Average total loans | $16,906,000 | 4,566 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3997% | 2,931 |
| Cost of funding earning assets | 0.4485% | 1,212 |
| Net interest margin | 2.9512% | 3,317 |
| Noninterest income to average assets | 0.2053% | 4,137 |
| Noninterest expense to average assets | 2.3145% | 2,754 |
| Loan and lease loss provision to assets | 0.0083% | 2,915 |
| Net operating income to assets | 0.4923% | 4,111 |
| Return on assets (ROA) | 0.4583% | 4,215 |
| Pretax return on assets | 0.5060% | 4,250 |
| Return on Equity (ROE) | 4.3659% | 4,137 |
| Retained earnings to average equity (ytd only) | 2.3904% | 3,863 |
| Net charge-offs to loans | 0.0221% | 1,816 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 66.5000% | 1,113 |
| Efficiency ratio | 80.7525% | 763 |
| Assets per employee ($millions) | 5.6019% | 3,159 |
| Cash dividends to net income (ytd only)* | 45.2489% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,548 |
| Loan loss allowance to noncurrent loans | 70.6827% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 1,352 |
| Noncurrent loans to loans | 1.4916% | 609 |
| Net loans and leases to total assets | 32.7608% | 4,418 |
| Net loans and leases to deposits | 36.3899% | 4,463 |
| Net loans and leases to core deposits | 36.6133% | 4,503 |
| Total domestic deposits to total assets | 90.0272% | 942 |
| Equity capital to assets | 9.8796% | 2,773 |
| Core capital (leverage) ratio | 10.0901% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,218,000 | 4,582 |
| Average earning assets | $43,474,000 | 4,574 |
| Average equity | $5,062,000 | 4,626 |
| Average total loans | $18,091,800 | 4,598 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6143% | 2,515 |
| Cost of funding earning assets | 0.4894% | 1,104 |
| Net interest margin | 3.1249% | 2,985 |
| Noninterest income to average assets | 0.2014% | 4,195 |
| Noninterest expense to average assets | 2.3439% | 2,615 |
| Loan and lease loss provision to assets | 0.0105% | 2,782 |
| Net operating income to assets | 0.5821% | 4,037 |
| Return on assets (ROA) | 0.5538% | 4,136 |
| Pretax return on assets | 0.6014% | 4,231 |
| Return on Equity (ROE) | 5.1944% | 4,089 |
| Retained earnings to average equity (ytd only) | 5.1944% | 3,148 |
| Net charge-offs to loans | 0.0289% | 1,474 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 1,157 |
| Efficiency ratio | 78.4644% | 840 |
| Assets per employee ($millions) | 5.3638% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 3,891 |
| Loan loss allowance to noncurrent loans | 91.2371% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 1,841 |
| Noncurrent loans to loans | 1.0820% | 1,044 |
| Net loans and leases to total assets | 36.7755% | 4,350 |
| Net loans and leases to deposits | 41.2371% | 4,408 |
| Net loans and leases to core deposits | 41.5032% | 4,467 |
| Total domestic deposits to total assets | 89.1805% | 1,180 |
| Equity capital to assets | 10.6144% | 2,351 |
| Core capital (leverage) ratio | 10.3742% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,668,250 | 4,653 |
| Average earning assets | $42,496,250 | 4,648 |
| Average equity | $5,082,250 | 4,691 |
| Average total loans | $18,441,500 | 4,659 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 1,810 |
| Cost of funding earning assets | 0.4919% | 1,249 |
| Net interest margin | 3.4103% | 2,110 |
| Noninterest income to average assets | 0.2191% | 4,095 |
| Noninterest expense to average assets | 2.3891% | 2,501 |
| Loan and lease loss provision to assets | 0.0169% | 2,618 |
| Net operating income to assets | 0.8020% | 3,509 |
| Return on assets (ROA) | 0.7584% | 3,685 |
| Pretax return on assets | 0.8048% | 3,861 |
| Return on Equity (ROE) | 7.1029% | 3,632 |
| Retained earnings to average equity (ytd only) | 7.1029% | 2,394 |
| Net charge-offs to loans | 0.0430% | 1,207 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 1,053 |
| Efficiency ratio | 73.3506% | 1,301 |
| Assets per employee ($millions) | 5.4383% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 3,842 |
| Loan loss allowance to noncurrent loans | 148.7395% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 2,717 |
| Noncurrent loans to loans | 0.6682% | 1,754 |
| Net loans and leases to total assets | 36.0221% | 4,460 |
| Net loans and leases to deposits | 40.3123% | 4,513 |
| Net loans and leases to core deposits | 40.5683% | 4,567 |
| Total domestic deposits to total assets | 89.3574% | 1,102 |
| Equity capital to assets | 10.4607% | 2,426 |
| Core capital (leverage) ratio | 10.3453% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,466,333 | 4,682 |
| Average earning assets | $42,284,000 | 4,679 |
| Average equity | $5,068,333 | 4,721 |
| Average total loans | $18,612,000 | 4,692 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0857% | 1,426 |
| Cost of funding earning assets | 0.4593% | 1,655 |
| Net interest margin | 3.6264% | 1,510 |
| Noninterest income to average assets | 0.1969% | 4,209 |
| Noninterest expense to average assets | 2.3113% | 2,751 |
| Loan and lease loss provision to assets | 0.0342% | 2,321 |
| Net operating income to assets | 1.0529% | 2,626 |
| Return on assets (ROA) | 1.0529% | 2,706 |
| Pretax return on assets | 1.0957% | 3,123 |
| Return on Equity (ROE) | 9.7571% | 2,769 |
| Retained earnings to average equity (ytd only) | 9.7571% | 1,726 |
| Net charge-offs to loans | 0.0841% | 772 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,060 |
| Efficiency ratio | 67.1642% | 2,045 |
| Assets per employee ($millions) | 5.3132% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 4,038 |
| Loan loss allowance to noncurrent loans | 131.3433% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 2,752 |
| Noncurrent loans to loans | 0.7183% | 1,807 |
| Net loans and leases to total assets | 38.6457% | 4,401 |
| Net loans and leases to deposits | 43.3000% | 4,453 |
| Net loans and leases to core deposits | 43.5808% | 4,511 |
| Total domestic deposits to total assets | 89.2511% | 1,200 |
| Equity capital to assets | 10.5690% | 2,195 |
| Core capital (leverage) ratio | 10.4890% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,727,000 | 4,709 |
| Average earning assets | $41,804,000 | 4,708 |
| Average equity | $5,042,500 | 4,743 |
| Average total loans | $19,014,000 | 4,713 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 2,730 |
| Cost of funding earning assets | 0.5650% | 2,538 |
| Net interest margin | 3.4334% | 2,660 |
| Noninterest income to average assets | 0.1620% | 4,487 |
| Noninterest expense to average assets | 2.4457% | 3,006 |
| Loan and lease loss provision to assets | 0.1018% | 3,055 |
| Net operating income to assets | 0.6527% | 3,583 |
| Return on assets (ROA) | 0.6548% | 3,706 |
| Pretax return on assets | 0.7103% | 3,860 |
| Return on Equity (ROE) | 5.6939% | 3,682 |
| Retained earnings to average equity (ytd only) | 3.4807% | 3,090 |
| Net charge-offs to loans | -0.0352% | 4,588 |
| Credit loss provision to net charge-offs | -628.5714% | 3,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1244% | 1,324 |
| Assets per employee ($millions) | 5.0706% | 3,315 |
| Cash dividends to net income (ytd only)* | 38.8693% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9085% | 4,162 |
| Loan loss allowance to noncurrent loans | 409.3023% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 3,844 |
| Noncurrent loans to loans | 0.2220% | 3,406 |
| Net loans and leases to total assets | 42.0642% | 4,347 |
| Net loans and leases to deposits | 47.3624% | 4,419 |
| Net loans and leases to core deposits | 47.6860% | 4,495 |
| Total domestic deposits to total assets | 88.8134% | 1,066 |
| Equity capital to assets | 11.0244% | 2,231 |
| Core capital (leverage) ratio | 10.5747% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,219,200 | 4,731 |
| Average earning assets | $38,941,200 | 4,729 |
| Average equity | $4,970,200 | 4,758 |
| Average total loans | $19,902,400 | 4,720 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1904% | 2,421 |
| Cost of funding earning assets | 0.5917% | 2,669 |
| Net interest margin | 3.5987% | 2,276 |
| Noninterest income to average assets | 0.1533% | 4,527 |
| Noninterest expense to average assets | 2.4498% | 2,992 |
| Loan and lease loss provision to assets | 0.1197% | 2,826 |
| Net operating income to assets | 0.8073% | 3,061 |
| Return on assets (ROA) | 0.8103% | 3,175 |
| Pretax return on assets | 0.8416% | 3,541 |
| Return on Equity (ROE) | 6.9692% | 3,212 |
| Retained earnings to average equity (ytd only) | 6.9692% | 1,706 |
| Net charge-offs to loans | -0.0399% | 4,613 |
| Credit loss provision to net charge-offs | -633.3333% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9008% | 1,656 |
| Assets per employee ($millions) | 4.8164% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 4,314 |
| Loan loss allowance to noncurrent loans | 386.3636% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 3,924 |
| Noncurrent loans to loans | 0.2124% | 3,533 |
| Net loans and leases to total assets | 47.3932% | 4,246 |
| Net loans and leases to deposits | 53.9213% | 4,339 |
| Net loans and leases to core deposits | 54.3104% | 4,439 |
| Total domestic deposits to total assets | 87.8933% | 1,265 |
| Equity capital to assets | 11.8368% | 1,776 |
| Core capital (leverage) ratio | 11.3565% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,615,250 | 4,760 |
| Average earning assets | $38,532,000 | 4,757 |
| Average equity | $4,955,000 | 4,785 |
| Average total loans | $20,035,000 | 4,748 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 2,438 |
| Cost of funding earning assets | 0.6214% | 2,855 |
| Net interest margin | 3.6921% | 2,191 |
| Noninterest income to average assets | 0.1180% | 4,708 |
| Noninterest expense to average assets | 2.3790% | 3,312 |
| Loan and lease loss provision to assets | 0.1510% | 2,494 |
| Net operating income to assets | 0.9018% | 2,679 |
| Return on assets (ROA) | 0.9110% | 2,770 |
| Pretax return on assets | 0.9346% | 3,217 |
| Return on Equity (ROE) | 7.8835% | 2,797 |
| Retained earnings to average equity (ytd only) | 7.8835% | 1,341 |
| Net charge-offs to loans | -0.0303% | 4,547 |
| Credit loss provision to net charge-offs | -1,066.6667% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8525% | 2,113 |
| Assets per employee ($millions) | 4.9200% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8110% | 4,319 |
| Loan loss allowance to noncurrent loans | 947.0588% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 4,350 |
| Noncurrent loans to loans | 0.0856% | 4,116 |
| Net loans and leases to total assets | 44.4670% | 4,433 |
| Net loans and leases to deposits | 50.3400% | 4,515 |
| Net loans and leases to core deposits | 50.6939% | 4,609 |
| Total domestic deposits to total assets | 88.3333% | 1,025 |
| Equity capital to assets | 11.4273% | 2,021 |
| Core capital (leverage) ratio | 10.9617% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,371,000 | 4,784 |
| Average earning assets | $38,298,000 | 4,783 |
| Average equity | $4,896,333 | 4,817 |
| Average total loans | $19,808,667 | 4,776 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2648% | 3,022 |
| Cost of funding earning assets | 0.6381% | 3,238 |
| Net interest margin | 3.6266% | 2,583 |
| Noninterest income to average assets | 0.1932% | 4,395 |
| Noninterest expense to average assets | 2.4145% | 3,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0624% | 1,960 |
| Return on assets (ROA) | 1.0624% | 2,065 |
| Pretax return on assets | 1.0720% | 2,608 |
| Return on Equity (ROE) | 9.1391% | 2,053 |
| Retained earnings to average equity (ytd only) | 9.1391% | 934 |
| Net charge-offs to loans | -0.2224% | 4,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2521% | 2,473 |
| Assets per employee ($millions) | 4.6811% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 4,599 |
| Loan loss allowance to noncurrent loans | 492.8571% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 1,808 |
| Noncurrent loans to loans | 0.1431% | 3,949 |
| Net loans and leases to total assets | 46.1073% | 4,419 |
| Net loans and leases to deposits | 52.2332% | 4,509 |
| Net loans and leases to core deposits | 52.6166% | 4,615 |
| Total domestic deposits to total assets | 88.2720% | 988 |
| Equity capital to assets | 11.5262% | 2,420 |
| Core capital (leverage) ratio | 11.4092% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9632% | 751 |
| Memoranda: | ||
| Average total assets | $41,416,500 | 4,824 |
| Average earning assets | $37,610,500 | 4,822 |
| Average equity | $4,814,500 | 4,861 |
| Average total loans | $19,787,500 | 4,809 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 3,043 |
| Cost of funding earning assets | 0.7449% | 2,945 |
| Net interest margin | 3.7246% | 2,739 |
| Noninterest income to average assets | 0.2263% | 4,309 |
| Noninterest expense to average assets | 2.6549% | 3,012 |
| Loan and lease loss provision to assets | 0.3026% | 551 |
| Net operating income to assets | 0.6459% | 4,021 |
| Return on assets (ROA) | 0.6459% | 4,096 |
| Pretax return on assets | 0.6892% | 4,229 |
| Return on Equity (ROE) | 5.4612% | 4,079 |
| Retained earnings to average equity (ytd only) | 3.3111% | 3,349 |
| Net charge-offs to loans | 0.5042% | 370 |
| Credit loss provision to net charge-offs | 121.4286% | 2,092 |
| Earnings coverage of net charge-offs (x) | 3.9796% | 3,268 |
| Efficiency ratio | 72.8033% | 1,757 |
| Assets per employee ($millions) | 4.5226% | 3,189 |
| Cash dividends to net income (ytd only)* | 39.3701% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6296% | 4,689 |
| Loan loss allowance to noncurrent loans | 42.5676% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 1,784 |
| Noncurrent loans to loans | 1.4791% | 985 |
| Net loans and leases to total assets | 48.8563% | 4,378 |
| Net loans and leases to deposits | 55.4530% | 4,479 |
| Net loans and leases to core deposits | 55.8752% | 4,589 |
| Total domestic deposits to total assets | 88.1041% | 1,085 |
| Equity capital to assets | 11.7264% | 2,333 |
| Core capital (leverage) ratio | 11.2373% | 2,301 |
| Tier 1 risk-based capital ratio | 19.8427% | 1,347 |
| Total risk-based capital ratio | 20.3814% | 1,461 |
| Memoranda: | ||
| Average total assets | $39,323,200 | 4,903 |
| Average earning assets | $36,111,400 | 4,893 |
| Average equity | $4,651,000 | 4,925 |
| Average total loans | $19,435,800 | 4,876 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 3,196 |
| Cost of funding earning assets | 0.7318% | 3,058 |
| Net interest margin | 3.7220% | 2,846 |
| Noninterest income to average assets | 0.1573% | 4,763 |
| Noninterest expense to average assets | 2.6134% | 3,129 |
| Loan and lease loss provision to assets | 0.2566% | 627 |
| Net operating income to assets | 0.6705% | 4,105 |
| Return on assets (ROA) | 0.6705% | 4,167 |
| Pretax return on assets | 0.7149% | 4,312 |
| Return on Equity (ROE) | 5.6559% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.6559% | 2,530 |
| Net charge-offs to loans | 0.6082% | 263 |
| Credit loss provision to net charge-offs | 85.2273% | 2,445 |
| Earnings coverage of net charge-offs (x) | 3.2273% | 3,121 |
| Efficiency ratio | 72.9008% | 1,716 |
| Assets per employee ($millions) | 4.3247% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4548% | 5,021 |
| Loan loss allowance to noncurrent loans | 30.9764% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 1,802 |
| Noncurrent loans to loans | 1.4681% | 1,037 |
| Net loans and leases to total assets | 51.7394% | 4,327 |
| Net loans and leases to deposits | 59.2852% | 4,412 |
| Net loans and leases to core deposits | 59.7584% | 4,545 |
| Total domestic deposits to total assets | 87.2720% | 1,391 |
| Equity capital to assets | 12.4505% | 1,952 |
| Core capital (leverage) ratio | 11.8476% | 1,962 |
| Tier 1 risk-based capital ratio | 20.3238% | 1,315 |
| Total risk-based capital ratio | 20.7230% | 1,439 |
| Memoranda: | ||
| Average total assets | $38,978,250 | 4,983 |
| Average earning assets | $35,893,750 | 4,971 |
| Average equity | $4,620,500 | 4,996 |
| Average total loans | $19,291,750 | 4,952 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3902% | 3,361 |
| Cost of funding earning assets | 0.7234% | 3,024 |
| Net interest margin | 3.6668% | 3,044 |
| Noninterest income to average assets | 0.1385% | 4,879 |
| Noninterest expense to average assets | 2.6361% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8360% | 3,520 |
| Return on assets (ROA) | 0.8360% | 3,579 |
| Pretax return on assets | 0.8821% | 3,899 |
| Return on Equity (ROE) | 7.1722% | 3,610 |
| Retained earnings to average equity (ytd only) | 7.1722% | 1,733 |
| Net charge-offs to loans | 0.3372% | 508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 5.3750% | 2,663 |
| Efficiency ratio | 74.9271% | 1,524 |
| Assets per employee ($millions) | 4.3889% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3695% | 5,134 |
| Loan loss allowance to noncurrent loans | 107.3529% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 3,898 |
| Noncurrent loans to loans | 0.3442% | 3,311 |
| Net loans and leases to total assets | 49.8329% | 4,477 |
| Net loans and leases to deposits | 56.8278% | 4,562 |
| Net loans and leases to core deposits | 57.2725% | 4,668 |
| Total domestic deposits to total assets | 87.6911% | 1,249 |
| Equity capital to assets | 12.0835% | 2,125 |
| Core capital (leverage) ratio | 11.7423% | 1,989 |
| Tier 1 risk-based capital ratio | 18.8674% | 1,581 |
| Total risk-based capital ratio | 19.1635% | 1,782 |
| Memoranda: | ||
| Average total assets | $38,997,000 | 5,022 |
| Average earning assets | $35,943,670 | 5,008 |
| Average equity | $4,545,330 | 5,041 |
| Average total loans | $18,979,000 | 4,997 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 3,540 |
| Cost of funding earning assets | 0.7118% | 2,992 |
| Net interest margin | 3.5921% | 3,278 |
| Noninterest income to average assets | 0.1445% | 4,871 |
| Noninterest expense to average assets | 2.7977% | 2,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6401% | 4,123 |
| Return on assets (ROA) | 0.6401% | 4,162 |
| Pretax return on assets | 0.6814% | 4,345 |
| Return on Equity (ROE) | 5.5963% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.5963% | 2,643 |
| Net charge-offs to loans | -0.0215% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4154% | 1,020 |
| Assets per employee ($millions) | 4.3768% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5671% | 4,992 |
| Loan loss allowance to noncurrent loans | 61.6279% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 2,842 |
| Noncurrent loans to loans | 0.9203% | 1,818 |
| Net loans and leases to total assets | 47.1783% | 4,613 |
| Net loans and leases to deposits | 53.4207% | 4,697 |
| Net loans and leases to core deposits | 53.8339% | 4,789 |
| Total domestic deposits to total assets | 88.3146% | 1,176 |
| Equity capital to assets | 11.5153% | 2,383 |
| Core capital (leverage) ratio | 11.6977% | 1,985 |
| Tier 1 risk-based capital ratio | 18.8661% | 1,573 |
| Total risk-based capital ratio | 19.3057% | 1,741 |
| Memoranda: | ||
| Average total assets | $38,745,500 | 5,080 |
| Average earning assets | $35,967,500 | 5,060 |
| Average equity | $4,431,500 | 5,094 |
| Average total loans | $18,590,000 | 5,067 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 3,469 |
| Cost of funding earning assets | 0.5895% | 2,794 |
| Net interest margin | 3.5986% | 3,387 |
| Noninterest income to average assets | 0.2547% | 4,406 |
| Noninterest expense to average assets | 2.6251% | 3,258 |
| Loan and lease loss provision to assets | 0.1448% | 1,482 |
| Net operating income to assets | 0.7147% | 4,100 |
| Return on assets (ROA) | 0.6999% | 4,139 |
| Pretax return on assets | 0.7589% | 4,272 |
| Return on Equity (ROE) | 6.1510% | 4,130 |
| Retained earnings to average equity (ytd only) | 4.1714% | 3,258 |
| Net charge-offs to loans | 0.3250% | 595 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 6.3519% | 3,094 |
| Efficiency ratio | 74.0545% | 1,621 |
| Assets per employee ($millions) | 5.4429% | 2,011 |
| Cash dividends to net income (ytd only)* | 32.1839% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5733% | 5,016 |
| Loan loss allowance to noncurrent loans | 61.2717% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 2,747 |
| Noncurrent loans to loans | 0.9356% | 1,718 |
| Net loans and leases to total assets | 48.2520% | 4,618 |
| Net loans and leases to deposits | 54.5131% | 4,731 |
| Net loans and leases to core deposits | 54.9481% | 4,813 |
| Total domestic deposits to total assets | 88.5144% | 1,065 |
| Equity capital to assets | 11.3570% | 2,364 |
| Core capital (leverage) ratio | 11.9278% | 1,782 |
| Tier 1 risk-based capital ratio | 18.9381% | 1,530 |
| Total risk-based capital ratio | 19.3855% | 1,673 |
| Memoranda: | ||
| Average total assets | $37,293,200 | 5,138 |
| Average earning assets | $34,096,400 | 5,130 |
| Average equity | $4,243,200 | 5,146 |
| Average total loans | $16,614,800 | 5,160 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 3,500 |
| Cost of funding earning assets | 0.5613% | 2,778 |
| Net interest margin | 3.5772% | 3,443 |
| Noninterest income to average assets | 0.2373% | 4,550 |
| Noninterest expense to average assets | 2.5522% | 3,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8904% | 3,579 |
| Return on assets (ROA) | 0.8699% | 3,667 |
| Pretax return on assets | 0.9166% | 3,957 |
| Return on Equity (ROE) | 7.6419% | 3,690 |
| Retained earnings to average equity (ytd only) | 7.6419% | 1,828 |
| Net charge-offs to loans | 0.3303% | 503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 6.5252% | 2,875 |
| Efficiency ratio | 73.1205% | 1,717 |
| Assets per employee ($millions) | 5.2387% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3878% | 5,298 |
| Loan loss allowance to noncurrent loans | 31.8841% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 2,496 |
| Noncurrent loans to loans | 1.2164% | 1,386 |
| Net loans and leases to total assets | 46.2273% | 4,792 |
| Net loans and leases to deposits | 52.3711% | 4,878 |
| Net loans and leases to core deposits | 52.8050% | 4,943 |
| Total domestic deposits to total assets | 88.2687% | 1,132 |
| Equity capital to assets | 11.5486% | 2,229 |
| Core capital (leverage) ratio | 12.1479% | 1,696 |
| Tier 1 risk-based capital ratio | 20.0387% | 1,329 |
| Total risk-based capital ratio | 20.3291% | 1,489 |
| Memoranda: | ||
| Average total assets | $37,091,500 | 5,207 |
| Average earning assets | $33,731,000 | 5,203 |
| Average equity | $4,222,250 | 5,216 |
| Average total loans | $16,146,000 | 5,230 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 3,805 |
| Cost of funding earning assets | 0.5542% | 2,575 |
| Net interest margin | 3.4384% | 3,836 |
| Noninterest income to average assets | 0.2417% | 4,565 |
| Noninterest expense to average assets | 2.5247% | 3,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7719% | 3,948 |
| Return on assets (ROA) | 0.7413% | 4,065 |
| Pretax return on assets | 0.7843% | 4,295 |
| Return on Equity (ROE) | 6.5434% | 4,046 |
| Retained earnings to average equity (ytd only) | 6.5434% | 2,287 |
| Net charge-offs to loans | 0.1640% | 944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.6923% | 2,250 |
| Efficiency ratio | 75.5627% | 1,486 |
| Assets per employee ($millions) | 5.4727% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5722% | 5,155 |
| Loan loss allowance to noncurrent loans | 25.9155% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 0.9267% | 1,627 |
| Noncurrent loans to loans | 2.2078% | 631 |
| Net loans and leases to total assets | 41.7317% | 4,994 |
| Net loans and leases to deposits | 46.9805% | 5,059 |
| Net loans and leases to core deposits | 47.3507% | 5,118 |
| Total domestic deposits to total assets | 88.8277% | 1,004 |
| Equity capital to assets | 11.0496% | 2,589 |
| Core capital (leverage) ratio | 11.8919% | 1,781 |
| Tier 1 risk-based capital ratio | 22.5106% | 982 |
| Total risk-based capital ratio | 22.9761% | 1,051 |
| Memoranda: | ||
| Average total assets | $37,231,670 | 5,266 |
| Average earning assets | $33,562,330 | 5,268 |
| Average equity | $4,218,000 | 5,273 |
| Average total loans | $15,855,330 | 5,296 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8276% | 4,139 |
| Cost of funding earning assets | 0.5349% | 2,511 |
| Net interest margin | 3.2927% | 4,207 |
| Noninterest income to average assets | 0.2180% | 4,698 |
| Noninterest expense to average assets | 2.5727% | 3,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6432% | 4,302 |
| Return on assets (ROA) | 0.6432% | 4,313 |
| Pretax return on assets | 0.6650% | 4,531 |
| Return on Equity (ROE) | 5.6050% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.6050% | 2,898 |
| Net charge-offs to loans | 0.3303% | 464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 4.6923% | 2,276 |
| Efficiency ratio | 79.4613% | 1,202 |
| Assets per employee ($millions) | 5.2776% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5924% | 5,196 |
| Loan loss allowance to noncurrent loans | 19.0574% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.3210% | 1,121 |
| Noncurrent loans to loans | 3.1085% | 375 |
| Net loans and leases to total assets | 42.2435% | 4,970 |
| Net loans and leases to deposits | 47.6752% | 5,048 |
| Net loans and leases to core deposits | 48.0643% | 5,098 |
| Total domestic deposits to total assets | 88.6068% | 1,304 |
| Equity capital to assets | 11.2931% | 2,308 |
| Core capital (leverage) ratio | 11.8497% | 1,750 |
| Tier 1 risk-based capital ratio | 21.3449% | 1,149 |
| Total risk-based capital ratio | 21.7990% | 1,238 |
| Memoranda: | ||
| Average total assets | $36,693,000 | 5,331 |
| Average earning assets | $33,650,000 | 5,324 |
| Average equity | $4,210,500 | 5,331 |
| Average total loans | $15,743,500 | 5,359 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8791% | 3,789 |
| Cost of funding earning assets | 0.5196% | 2,182 |
| Net interest margin | 3.3595% | 3,975 |
| Noninterest income to average assets | 0.4582% | 3,259 |
| Noninterest expense to average assets | 2.5872% | 3,486 |
| Loan and lease loss provision to assets | 0.0494% | 3,235 |
| Net operating income to assets | 0.8541% | 2,937 |
| Return on assets (ROA) | 0.8670% | 2,901 |
| Pretax return on assets | 0.9218% | 3,834 |
| Return on Equity (ROE) | 7.5170% | 3,026 |
| Retained earnings to average equity (ytd only) | 5.8518% | 1,625 |
| Net charge-offs to loans | 0.1260% | 1,788 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 19.3889% | 2,023 |
| Efficiency ratio | 72.9876% | 2,064 |
| Assets per employee ($millions) | 4.5554% | 3,103 |
| Cash dividends to net income (ytd only)* | 22.1519% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6714% | 5,122 |
| Loan loss allowance to noncurrent loans | 117.7778% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 3,906 |
| Noncurrent loans to loans | 0.5701% | 2,794 |
| Net loans and leases to total assets | 43.0316% | 5,033 |
| Net loans and leases to deposits | 48.7791% | 5,100 |
| Net loans and leases to core deposits | 49.1845% | 5,159 |
| Total domestic deposits to total assets | 88.2172% | 1,392 |
| Equity capital to assets | 11.6593% | 2,071 |
| Core capital (leverage) ratio | 11.5961% | 1,871 |
| Tier 1 risk-based capital ratio | 19.1389% | 1,481 |
| Total risk-based capital ratio | 19.6094% | 1,646 |
| Memoranda: | ||
| Average total assets | $36,449,000 | 5,388 |
| Average earning assets | $33,487,000 | 5,375 |
| Average equity | $4,203,800 | 5,392 |
| Average total loans | $14,287,600 | 5,458 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8303% | 3,899 |
| Cost of funding earning assets | 0.5232% | 2,085 |
| Net interest margin | 3.3071% | 4,152 |
| Noninterest income to average assets | 0.5194% | 2,902 |
| Noninterest expense to average assets | 2.5239% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9986% | 2,562 |
| Return on assets (ROA) | 0.9986% | 2,615 |
| Pretax return on assets | 1.0242% | 3,592 |
| Return on Equity (ROE) | 8.6819% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.6819% | 955 |
| Net charge-offs to loans | 0.0575% | 2,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 46.6650% | 1,166 |
| Efficiency ratio | 71.1340% | 2,345 |
| Assets per employee ($millions) | 4.4591% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6759% | 5,196 |
| Loan loss allowance to noncurrent loans | 68.7075% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 3,378 |
| Noncurrent loans to loans | 0.9837% | 1,960 |
| Net loans and leases to total assets | 41.6057% | 5,129 |
| Net loans and leases to deposits | 47.5995% | 5,200 |
| Net loans and leases to core deposits | 48.0060% | 5,256 |
| Total domestic deposits to total assets | 87.4078% | 1,664 |
| Equity capital to assets | 12.3595% | 1,739 |
| Core capital (leverage) ratio | 11.6552% | 1,916 |
| Tier 1 risk-based capital ratio | 19.7199% | 1,433 |
| Total risk-based capital ratio | 20.1791% | 1,566 |
| Memoranda: | ||
| Average total assets | $36,450,500 | 5,446 |
| Average earning assets | $33,381,750 | 5,439 |
| Average equity | $4,192,500 | 5,455 |
| Average total loans | $13,912,500 | 5,526 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 3,863 |
| Cost of funding earning assets | 0.5292% | 1,925 |
| Net interest margin | 3.2777% | 4,184 |
| Noninterest income to average assets | 0.6374% | 2,272 |
| Noninterest expense to average assets | 2.5225% | 3,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0569% | 2,176 |
| Return on assets (ROA) | 1.0569% | 2,215 |
| Pretax return on assets | 1.0842% | 3,243 |
| Return on Equity (ROE) | 9.4167% | 2,309 |
| Retained earnings to average equity (ytd only) | 9.4167% | 725 |
| Net charge-offs to loans | 0.1327% | 1,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 22.1111% | 1,723 |
| Efficiency ratio | 69.9396% | 2,686 |
| Assets per employee ($millions) | 4.6340% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6877% | 5,238 |
| Loan loss allowance to noncurrent loans | 74.4186% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 3,731 |
| Noncurrent loans to loans | 0.9241% | 2,122 |
| Net loans and leases to total assets | 37.3948% | 5,321 |
| Net loans and leases to deposits | 42.4321% | 5,385 |
| Net loans and leases to core deposits | 43.1748% | 5,414 |
| Total domestic deposits to total assets | 88.1285% | 1,393 |
| Equity capital to assets | 11.7016% | 2,149 |
| Core capital (leverage) ratio | 11.4362% | 2,014 |
| Tier 1 risk-based capital ratio | 19.3770% | 1,502 |
| Total risk-based capital ratio | 19.8136% | 1,665 |
| Memoranda: | ||
| Average total assets | $36,709,670 | 5,490 |
| Average earning assets | $33,255,330 | 5,486 |
| Average equity | $4,120,330 | 5,507 |
| Average total loans | $13,569,000 | 5,584 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 3,809 |
| Cost of funding earning assets | 0.5338% | 1,835 |
| Net interest margin | 3.2515% | 4,173 |
| Noninterest income to average assets | 0.1752% | 5,227 |
| Noninterest expense to average assets | 2.5514% | 3,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5585% | 4,335 |
| Return on assets (ROA) | 0.5585% | 4,383 |
| Pretax return on assets | 0.5585% | 4,820 |
| Return on Equity (ROE) | 5.0854% | 4,347 |
| Retained earnings to average equity (ytd only) | 5.0854% | 2,839 |
| Net charge-offs to loans | 0.0897% | 1,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,615 |
| Efficiency ratio | 82.0423% | 1,154 |
| Assets per employee ($millions) | 4.5618% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7757% | 5,123 |
| Loan loss allowance to noncurrent loans | 412.0000% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 3,803 |
| Noncurrent loans to loans | 0.1883% | 4,451 |
| Net loans and leases to total assets | 36.1018% | 5,395 |
| Net loans and leases to deposits | 40.6862% | 5,449 |
| Net loans and leases to core deposits | 41.3996% | 5,484 |
| Total domestic deposits to total assets | 88.7324% | 1,300 |
| Equity capital to assets | 11.1388% | 2,495 |
| Core capital (leverage) ratio | 11.1222% | 2,260 |
| Tier 1 risk-based capital ratio | 19.0186% | 1,611 |
| Total risk-based capital ratio | 19.4945% | 1,762 |
| Memoranda: | ||
| Average total assets | $36,528,500 | 5,556 |
| Average earning assets | $32,969,500 | 5,554 |
| Average equity | $4,011,500 | 5,584 |
| Average total loans | $13,374,000 | 5,650 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8061% | 3,893 |
| Cost of funding earning assets | 0.5280% | 1,884 |
| Net interest margin | 3.2781% | 4,211 |
| Noninterest income to average assets | 0.2561% | 4,885 |
| Noninterest expense to average assets | 2.5639% | 3,795 |
| Loan and lease loss provision to assets | 0.0606% | 3,164 |
| Net operating income to assets | 0.5672% | 4,359 |
| Return on assets (ROA) | 0.6307% | 4,197 |
| Pretax return on assets | 0.6554% | 4,635 |
| Return on Equity (ROE) | 5.5491% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.5491% | 1,983 |
| Net charge-offs to loans | 0.1777% | 1,544 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 10.7273% | 2,610 |
| Efficiency ratio | 79.7772% | 1,445 |
| Assets per employee ($millions) | 4.5704% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 5,142 |
| Loan loss allowance to noncurrent loans | 155.8824% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.8588% | 2,201 |
| Noncurrent loans to loans | 0.5048% | 3,336 |
| Net loans and leases to total assets | 36.5506% | 5,470 |
| Net loans and leases to deposits | 41.0392% | 5,517 |
| Net loans and leases to core deposits | 41.7560% | 5,551 |
| Total domestic deposits to total assets | 89.0627% | 1,085 |
| Equity capital to assets | 10.8252% | 2,787 |
| Core capital (leverage) ratio | 11.1135% | 2,244 |
| Tier 1 risk-based capital ratio | 18.2688% | 1,786 |
| Total risk-based capital ratio | 18.7452% | 1,964 |
| Memoranda: | ||
| Average total assets | $36,311,400 | 5,612 |
| Average earning assets | $32,763,000 | 5,611 |
| Average equity | $4,126,800 | 5,624 |
| Average total loans | $12,383,400 | 5,723 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7864% | 3,960 |
| Cost of funding earning assets | 0.5298% | 1,880 |
| Net interest margin | 3.2565% | 4,329 |
| Noninterest income to average assets | 0.2428% | 5,022 |
| Noninterest expense to average assets | 2.4718% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6998% | 3,846 |
| Return on assets (ROA) | 0.7871% | 3,565 |
| Pretax return on assets | 0.7982% | 4,318 |
| Return on Equity (ROE) | 6.8441% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.8441% | 1,702 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6879% | 1,733 |
| Assets per employee ($millions) | 4.4303% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7775% | 5,255 |
| Loan loss allowance to noncurrent loans | 21.2851% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 2.1105% | 722 |
| Noncurrent loans to loans | 3.6529% | 335 |
| Net loans and leases to total assets | 38.1666% | 5,459 |
| Net loans and leases to deposits | 43.6256% | 5,526 |
| Net loans and leases to core deposits | 44.7558% | 5,555 |
| Total domestic deposits to total assets | 87.4866% | 1,671 |
| Equity capital to assets | 12.2595% | 1,932 |
| Core capital (leverage) ratio | 11.2133% | 2,258 |
| Tier 1 risk-based capital ratio | 18.1272% | 1,882 |
| Total risk-based capital ratio | 18.5992% | 2,077 |
| Memoranda: | ||
| Average total assets | $36,248,500 | 5,669 |
| Average earning assets | $32,713,250 | 5,675 |
| Average equity | $4,169,000 | 5,681 |
| Average total loans | $12,111,750 | 5,789 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6418% | 4,471 |
| Cost of funding earning assets | 0.5247% | 1,907 |
| Net interest margin | 3.1171% | 4,784 |
| Noninterest income to average assets | 0.2465% | 5,006 |
| Noninterest expense to average assets | 2.4427% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5044% | 4,659 |
| Return on assets (ROA) | 0.5970% | 4,408 |
| Pretax return on assets | 0.6737% | 4,702 |
| Return on Equity (ROE) | 5.3037% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.3037% | 2,541 |
| Net charge-offs to loans | -0.1551% | 5,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0909% | 1,377 |
| Assets per employee ($millions) | 4.0902% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9587% | 4,728 |
| Loan loss allowance to noncurrent loans | 20.4225% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 2.2221% | 687 |
| Noncurrent loans to loans | 4.6942% | 202 |
| Net loans and leases to total assets | 32.5546% | 5,729 |
| Net loans and leases to deposits | 36.9603% | 5,767 |
| Net loans and leases to core deposits | 37.6039% | 5,795 |
| Total domestic deposits to total assets | 88.0800% | 1,389 |
| Equity capital to assets | 11.7027% | 2,355 |
| Core capital (leverage) ratio | 10.9279% | 2,510 |
| Tier 1 risk-based capital ratio | 18.2395% | 1,865 |
| Total risk-based capital ratio | 18.7733% | 2,028 |
| Memoranda: | ||
| Average total assets | $36,517,330 | 5,731 |
| Average earning assets | $32,402,000 | 5,746 |
| Average equity | $4,110,330 | 5,750 |
| Average total loans | $11,604,670 | 5,872 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 4,597 |
| Cost of funding earning assets | 0.5369% | 1,815 |
| Net interest margin | 3.0715% | 4,947 |
| Noninterest income to average assets | 0.2420% | 5,009 |
| Noninterest expense to average assets | 2.4306% | 4,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4041% | 4,981 |
| Return on assets (ROA) | 0.5499% | 4,525 |
| Pretax return on assets | 0.7039% | 4,513 |
| Return on Equity (ROE) | 4.9857% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.9857% | 2,949 |
| Net charge-offs to loans | -0.4226% | 5,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4627% | 1,334 |
| Assets per employee ($millions) | 4.0100% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 4,421 |
| Loan loss allowance to noncurrent loans | 20.1365% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 2.3164% | 676 |
| Noncurrent loans to loans | 5.1367% | 182 |
| Net loans and leases to total assets | 31.2829% | 5,794 |
| Net loans and leases to deposits | 35.3387% | 5,842 |
| Net loans and leases to core deposits | 35.6298% | 5,866 |
| Total domestic deposits to total assets | 88.5231% | 1,346 |
| Equity capital to assets | 11.3300% | 2,595 |
| Core capital (leverage) ratio | 10.8055% | 2,617 |
| Tier 1 risk-based capital ratio | 18.8138% | 1,778 |
| Total risk-based capital ratio | 19.3823% | 1,914 |
| Memoranda: | ||
| Average total assets | $36,370,000 | 5,793 |
| Average earning assets | $32,036,000 | 5,809 |
| Average equity | $4,011,500 | 5,811 |
| Average total loans | $11,357,000 | 5,934 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5811% | 4,721 |
| Cost of funding earning assets | 0.5390% | 1,846 |
| Net interest margin | 3.0421% | 5,045 |
| Noninterest income to average assets | 0.2708% | 4,932 |
| Noninterest expense to average assets | 2.4649% | 4,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4924% | 4,723 |
| Return on assets (ROA) | 0.5029% | 4,774 |
| Pretax return on assets | 0.5306% | 5,040 |
| Return on Equity (ROE) | 4.7080% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.7080% | 2,641 |
| Net charge-offs to loans | -0.0184% | 5,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5926% | 1,326 |
| Assets per employee ($millions) | 4.5813% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 4,930 |
| Loan loss allowance to noncurrent loans | 18.3391% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 2.2592% | 739 |
| Noncurrent loans to loans | 5.1123% | 182 |
| Net loans and leases to total assets | 30.5593% | 5,873 |
| Net loans and leases to deposits | 34.2885% | 5,922 |
| Net loans and leases to core deposits | 34.9967% | 5,948 |
| Total domestic deposits to total assets | 89.1241% | 1,059 |
| Equity capital to assets | 10.7340% | 3,096 |
| Core capital (leverage) ratio | 10.4567% | 2,975 |
| Tier 1 risk-based capital ratio | 18.4153% | 1,853 |
| Total risk-based capital ratio | 18.9231% | 2,016 |
| Memoranda: | ||
| Average total assets | $36,187,400 | 5,850 |
| Average earning assets | $32,280,800 | 5,849 |
| Average equity | $3,865,800 | 5,877 |
| Average total loans | $10,867,600 | 5,997 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5563% | 4,851 |
| Cost of funding earning assets | 0.5392% | 1,894 |
| Net interest margin | 3.0171% | 5,155 |
| Noninterest income to average assets | 0.2624% | 5,063 |
| Noninterest expense to average assets | 2.3730% | 4,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5988% | 4,388 |
| Return on assets (ROA) | 0.6025% | 4,479 |
| Pretax return on assets | 0.6025% | 4,966 |
| Return on Equity (ROE) | 5.6468% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.6468% | 2,489 |
| Net charge-offs to loans | -0.0620% | 5,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8507% | 1,679 |
| Assets per employee ($millions) | 3.9109% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 4,965 |
| Loan loss allowance to noncurrent loans | 47.5983% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.3609% | 1,704 |
| Noncurrent loans to loans | 2.0030% | 1,157 |
| Net loans and leases to total assets | 32.1723% | 5,916 |
| Net loans and leases to deposits | 36.3216% | 5,975 |
| Net loans and leases to core deposits | 37.1072% | 5,992 |
| Total domestic deposits to total assets | 88.5761% | 1,256 |
| Equity capital to assets | 11.2819% | 2,721 |
| Core capital (leverage) ratio | 10.5530% | 2,983 |
| Tier 1 risk-based capital ratio | 18.6373% | 1,864 |
| Total risk-based capital ratio | 19.1685% | 2,012 |
| Memoranda: | ||
| Average total assets | $36,071,750 | 5,928 |
| Average earning assets | $32,392,500 | 5,926 |
| Average equity | $3,848,750 | 5,960 |
| Average total loans | $10,758,000 | 6,078 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4930% | 5,001 |
| Cost of funding earning assets | 0.5341% | 1,950 |
| Net interest margin | 2.9590% | 5,318 |
| Noninterest income to average assets | 0.2530% | 5,139 |
| Noninterest expense to average assets | 2.3650% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5390% | 4,615 |
| Return on assets (ROA) | 0.5390% | 4,724 |
| Pretax return on assets | 0.5390% | 5,125 |
| Return on Equity (ROE) | 5.1471% | 4,549 |
| Retained earnings to average equity (ytd only) | 5.1471% | 2,764 |
| Net charge-offs to loans | -0.0949% | 5,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4394% | 1,565 |
| Assets per employee ($millions) | 3.9971% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 5,079 |
| Loan loss allowance to noncurrent loans | 23.4409% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 1.2926% | 1,947 |
| Noncurrent loans to loans | 4.0739% | 371 |
| Net loans and leases to total assets | 31.4255% | 5,996 |
| Net loans and leases to deposits | 35.1753% | 6,057 |
| Net loans and leases to core deposits | 35.9128% | 6,065 |
| Total domestic deposits to total assets | 89.3395% | 983 |
| Equity capital to assets | 10.5465% | 3,391 |
| Core capital (leverage) ratio | 10.2831% | 3,236 |
| Tier 1 risk-based capital ratio | 18.3084% | 1,984 |
| Total risk-based capital ratio | 18.8392% | 2,143 |
| Memoranda: | ||
| Average total assets | $36,363,000 | 5,984 |
| Average earning assets | $32,579,000 | 5,986 |
| Average equity | $3,808,000 | 6,026 |
| Average total loans | $10,533,000 | 6,153 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3220% | 5,398 |
| Cost of funding earning assets | 0.5374% | 1,951 |
| Net interest margin | 2.7846% | 5,676 |
| Noninterest income to average assets | 0.2517% | 5,160 |
| Noninterest expense to average assets | 2.4291% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3173% | 5,349 |
| Return on assets (ROA) | 0.3173% | 5,457 |
| Pretax return on assets | 0.3173% | 5,612 |
| Return on Equity (ROE) | 3.0406% | 5,361 |
| Retained earnings to average equity (ytd only) | 3.0406% | 4,159 |
| Net charge-offs to loans | -0.1982% | 6,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4462% | 979 |
| Assets per employee ($millions) | 3.6626% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 4,680 |
| Loan loss allowance to noncurrent loans | 23.5421% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 1.2641% | 2,112 |
| Noncurrent loans to loans | 4.5290% | 341 |
| Net loans and leases to total assets | 27.6143% | 6,146 |
| Net loans and leases to deposits | 30.9344% | 6,179 |
| Net loans and leases to core deposits | 31.5697% | 6,193 |
| Total domestic deposits to total assets | 89.2672% | 1,104 |
| Equity capital to assets | 10.5963% | 3,432 |
| Core capital (leverage) ratio | 10.1552% | 3,399 |
| Tier 1 risk-based capital ratio | 22.0833% | 1,225 |
| Total risk-based capital ratio | 22.7354% | 1,300 |
| Memoranda: | ||
| Average total assets | $36,557,500 | 6,040 |
| Average earning assets | $32,751,500 | 6,044 |
| Average equity | $3,815,000 | 6,079 |
| Average total loans | $10,092,500 | 6,230 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1750% | 5,866 |
| Cost of funding earning assets | 0.5460% | 2,237 |
| Net interest margin | 2.6290% | 6,034 |
| Noninterest income to average assets | 0.2926% | 5,027 |
| Noninterest expense to average assets | 2.5053% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1756% | 5,816 |
| Return on assets (ROA) | 0.1644% | 5,892 |
| Pretax return on assets | 0.1644% | 5,922 |
| Return on Equity (ROE) | 1.6107% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.6107% | 5,015 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4511% | 626 |
| Assets per employee ($millions) | 3.6489% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 4,833 |
| Loan loss allowance to noncurrent loans | 60.8187% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 0.9948% | 2,761 |
| Noncurrent loans to loans | 1.7165% | 1,695 |
| Net loans and leases to total assets | 27.0164% | 6,260 |
| Net loans and leases to deposits | 30.1560% | 6,292 |
| Net loans and leases to core deposits | 30.7755% | 6,297 |
| Total domestic deposits to total assets | 89.5886% | 928 |
| Equity capital to assets | 10.2743% | 3,762 |
| Core capital (leverage) ratio | 10.0428% | 3,515 |
| Tier 1 risk-based capital ratio | 21.1860% | 1,361 |
| Total risk-based capital ratio | 21.7877% | 1,475 |
| Memoranda: | ||
| Average total assets | $35,884,200 | 6,133 |
| Average earning assets | $32,598,000 | 6,127 |
| Average equity | $3,663,000 | 6,153 |
| Average total loans | $9,473,400 | 6,329 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1319% | 5,979 |
| Cost of funding earning assets | 0.5486% | 2,307 |
| Net interest margin | 2.5833% | 6,151 |
| Noninterest income to average assets | 0.2537% | 5,401 |
| Noninterest expense to average assets | 2.4291% | 4,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1791% | 5,887 |
| Return on assets (ROA) | 0.1642% | 5,954 |
| Pretax return on assets | 0.1642% | 5,993 |
| Return on Equity (ROE) | 1.6111% | 5,919 |
| Retained earnings to average equity (ytd only) | 1.6111% | 5,237 |
| Net charge-offs to loans | -0.0428% | 5,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1330% | 636 |
| Assets per employee ($millions) | 3.4465% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 4,956 |
| Loan loss allowance to noncurrent loans | 63.3136% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 4,417 |
| Noncurrent loans to loans | 1.6688% | 1,955 |
| Net loans and leases to total assets | 29.0730% | 6,282 |
| Net loans and leases to deposits | 32.6736% | 6,327 |
| Net loans and leases to core deposits | 33.3889% | 6,334 |
| Total domestic deposits to total assets | 88.9801% | 1,252 |
| Equity capital to assets | 10.8400% | 3,140 |
| Core capital (leverage) ratio | 9.9899% | 3,689 |
| Tier 1 risk-based capital ratio | 21.6666% | 1,311 |
| Total risk-based capital ratio | 22.3021% | 1,419 |
| Memoranda: | ||
| Average total assets | $35,733,000 | 6,212 |
| Average earning assets | $32,567,500 | 6,206 |
| Average equity | $3,641,500 | 6,228 |
| Average total loans | $9,351,250 | 6,405 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0433% | 6,137 |
| Cost of funding earning assets | 0.5399% | 2,435 |
| Net interest margin | 2.5034% | 6,272 |
| Noninterest income to average assets | 0.2434% | 5,453 |
| Noninterest expense to average assets | 2.3565% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1438% | 5,962 |
| Return on assets (ROA) | 0.1217% | 6,044 |
| Pretax return on assets | 0.1217% | 6,063 |
| Return on Equity (ROE) | 1.2188% | 6,010 |
| Retained earnings to average equity (ytd only) | 1.2188% | 5,264 |
| Net charge-offs to loans | -0.0660% | 5,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2478% | 627 |
| Assets per employee ($millions) | 3.5994% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 4,707 |
| Loan loss allowance to noncurrent loans | 69.9346% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 4,731 |
| Noncurrent loans to loans | 1.6306% | 2,134 |
| Net loans and leases to total assets | 25.7710% | 6,420 |
| Net loans and leases to deposits | 28.7726% | 6,447 |
| Net loans and leases to core deposits | 29.3712% | 6,456 |
| Total domestic deposits to total assets | 89.5677% | 1,041 |
| Equity capital to assets | 10.2712% | 3,729 |
| Core capital (leverage) ratio | 9.8012% | 3,888 |
| Tier 1 risk-based capital ratio | 21.7710% | 1,295 |
| Total risk-based capital ratio | 22.4138% | 1,392 |
| Memoranda: | ||
| Average total assets | $36,155,670 | 6,256 |
| Average earning assets | $32,595,670 | 6,262 |
| Average equity | $3,610,000 | 6,281 |
| Average total loans | $9,092,670 | 6,472 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2047% | 5,996 |
| Cost of funding earning assets | 0.5444% | 2,470 |
| Net interest margin | 2.6602% | 6,158 |
| Noninterest income to average assets | 0.2318% | 5,497 |
| Noninterest expense to average assets | 2.4285% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1766% | 5,863 |
| Return on assets (ROA) | 0.1766% | 5,908 |
| Pretax return on assets | 0.1766% | 5,960 |
| Return on Equity (ROE) | 1.7945% | 5,839 |
| Retained earnings to average equity (ytd only) | 1.7945% | 4,886 |
| Net charge-offs to loans | -0.0894% | 6,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2203% | 799 |
| Assets per employee ($millions) | 3.7182% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 4,701 |
| Loan loss allowance to noncurrent loans | 72.6027% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 4,966 |
| Noncurrent loans to loans | 1.6340% | 2,382 |
| Net loans and leases to total assets | 23.7454% | 6,513 |
| Net loans and leases to deposits | 26.3466% | 6,536 |
| Net loans and leases to core deposits | 26.8726% | 6,538 |
| Total domestic deposits to total assets | 90.1269% | 1,001 |
| Equity capital to assets | 9.7224% | 4,202 |
| Core capital (leverage) ratio | 9.8439% | 3,795 |
| Tier 1 risk-based capital ratio | 22.4901% | 1,216 |
| Total risk-based capital ratio | 23.1486% | 1,282 |
| Memoranda: | ||
| Average total assets | $36,236,500 | 6,322 |
| Average earning assets | $32,328,000 | 6,332 |
| Average equity | $3,566,500 | 6,336 |
| Average total loans | $8,947,500 | 6,548 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 5,761 |
| Cost of funding earning assets | 0.5924% | 2,737 |
| Net interest margin | 2.8446% | 5,907 |
| Noninterest income to average assets | 0.2720% | 5,408 |
| Noninterest expense to average assets | 2.5071% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2408% | 5,715 |
| Return on assets (ROA) | 0.2408% | 5,781 |
| Pretax return on assets | 0.2408% | 5,863 |
| Return on Equity (ROE) | 2.3598% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.3598% | 4,565 |
| Net charge-offs to loans | 0.5507% | 1,200 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.6038% | 4,522 |
| Efficiency ratio | 91.2371% | 929 |
| Assets per employee ($millions) | 3.5291% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 4,860 |
| Loan loss allowance to noncurrent loans | 81.8898% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 5,175 |
| Noncurrent loans to loans | 1.4174% | 2,766 |
| Net loans and leases to total assets | 25.0942% | 6,587 |
| Net loans and leases to deposits | 27.9052% | 6,612 |
| Net loans and leases to core deposits | 28.1321% | 6,624 |
| Total domestic deposits to total assets | 89.9266% | 1,114 |
| Equity capital to assets | 9.9685% | 3,818 |
| Core capital (leverage) ratio | 10.0097% | 3,562 |
| Tier 1 risk-based capital ratio | 23.3476% | 1,047 |
| Total risk-based capital ratio | 24.0215% | 1,109 |
| Memoranda: | ||
| Average total assets | $35,300,000 | 6,410 |
| Average earning assets | $30,724,400 | 6,434 |
| Average equity | $3,602,000 | 6,416 |
| Average total loans | $9,624,200 | 6,608 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4050% | 5,869 |
| Cost of funding earning assets | 0.6076% | 2,751 |
| Net interest margin | 2.7974% | 6,022 |
| Noninterest income to average assets | 0.2568% | 5,604 |
| Noninterest expense to average assets | 2.3416% | 5,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3173% | 5,555 |
| Return on assets (ROA) | 0.3173% | 5,667 |
| Pretax return on assets | 0.3324% | 5,793 |
| Return on Equity (ROE) | 3.0914% | 5,572 |
| Retained earnings to average equity (ytd only) | 3.0914% | 4,468 |
| Net charge-offs to loans | 0.0681% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 17.5907% | 1,726 |
| Efficiency ratio | 87.5706% | 1,205 |
| Assets per employee ($millions) | 3.4676% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 2,942 |
| Loan loss allowance to noncurrent loans | 53.3333% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 4,055 |
| Noncurrent loans to loans | 3.0264% | 1,324 |
| Net loans and leases to total assets | 26.7188% | 6,635 |
| Net loans and leases to deposits | 29.8486% | 6,669 |
| Net loans and leases to core deposits | 30.0958% | 6,680 |
| Total domestic deposits to total assets | 89.5144% | 1,288 |
| Equity capital to assets | 10.2549% | 3,568 |
| Core capital (leverage) ratio | 10.5323% | 2,972 |
| Tier 1 risk-based capital ratio | 22.9067% | 1,164 |
| Total risk-based capital ratio | 23.8731% | 1,191 |
| Memoranda: | ||
| Average total assets | $35,302,250 | 6,478 |
| Average earning assets | $30,503,750 | 6,505 |
| Average equity | $3,623,000 | 6,489 |
| Average total loans | $9,790,250 | 6,677 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4341% | 5,829 |
| Cost of funding earning assets | 0.6149% | 2,808 |
| Net interest margin | 2.8193% | 5,966 |
| Noninterest income to average assets | 0.2647% | 5,559 |
| Noninterest expense to average assets | 2.4837% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2084% | 5,868 |
| Return on assets (ROA) | 0.2084% | 6,000 |
| Pretax return on assets | 0.2084% | 6,071 |
| Return on Equity (ROE) | 2.0300% | 5,948 |
| Retained earnings to average equity (ytd only) | 2.0300% | 4,983 |
| Net charge-offs to loans | -0.5446% | 6,831 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2594% | 881 |
| Assets per employee ($millions) | 3.5026% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 2,167 |
| Loan loss allowance to noncurrent loans | 65.0177% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 0.8080% | 4,207 |
| Noncurrent loans to loans | 2.8940% | 1,556 |
| Net loans and leases to total assets | 27.3939% | 6,646 |
| Net loans and leases to deposits | 30.4729% | 6,687 |
| Net loans and leases to core deposits | 31.4910% | 6,695 |
| Total domestic deposits to total assets | 89.8961% | 1,084 |
| Equity capital to assets | 9.8441% | 4,133 |
| Core capital (leverage) ratio | 10.5396% | 2,831 |
| Tier 1 risk-based capital ratio | 22.3332% | 1,230 |
| Total risk-based capital ratio | 23.4891% | 1,227 |
| Memoranda: | ||
| Average total assets | $35,511,000 | 6,520 |
| Average earning assets | $30,575,330 | 6,549 |
| Average equity | $3,645,330 | 6,532 |
| Average total loans | $9,914,670 | 6,712 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4024% | 5,936 |
| Cost of funding earning assets | 0.6233% | 2,895 |
| Net interest margin | 2.7790% | 6,073 |
| Noninterest income to average assets | 0.2349% | 5,776 |
| Noninterest expense to average assets | 2.5508% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0783% | 6,192 |
| Return on assets (ROA) | 0.0783% | 6,280 |
| Pretax return on assets | 0.0783% | 6,294 |
| Return on Equity (ROE) | 0.7479% | 6,268 |
| Retained earnings to average equity (ytd only) | 0.7479% | 5,531 |
| Net charge-offs to loans | 0.1202% | 2,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,067 |
| Efficiency ratio | 97.0213% | 681 |
| Assets per employee ($millions) | 3.5844% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 3,496 |
| Loan loss allowance to noncurrent loans | 29.7297% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 1.4452% | 3,088 |
| Noncurrent loans to loans | 5.3074% | 704 |
| Net loans and leases to total assets | 26.7995% | 6,703 |
| Net loans and leases to deposits | 30.0047% | 6,743 |
| Net loans and leases to core deposits | 31.2431% | 6,741 |
| Total domestic deposits to total assets | 89.3176% | 1,476 |
| Equity capital to assets | 10.4369% | 3,623 |
| Core capital (leverage) ratio | 10.5923% | 2,662 |
| Tier 1 risk-based capital ratio | 22.0643% | 1,321 |
| Total risk-based capital ratio | 23.0283% | 1,348 |
| Memoranda: | ||
| Average total assets | $35,753,500 | 6,575 |
| Average earning assets | $30,802,000 | 6,606 |
| Average equity | $3,744,000 | 6,577 |
| Average total loans | $9,982,500 | 6,773 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7854% | 5,864 |
| Cost of funding earning assets | 0.7127% | 3,386 |
| Net interest margin | 3.0728% | 5,880 |
| Noninterest income to average assets | 0.1621% | 6,224 |
| Noninterest expense to average assets | 2.5098% | 5,059 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3358% | 5,347 |
| Return on assets (ROA) | 0.3358% | 5,561 |
| Pretax return on assets | 0.3358% | 5,752 |
| Return on Equity (ROE) | 3.1623% | 5,486 |
| Retained earnings to average equity (ytd only) | 3.1623% | 4,006 |
| Net charge-offs to loans | 0.7555% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.4321% | 4,736 |
| Efficiency ratio | 88.1994% | 1,225 |
| Assets per employee ($millions) | 3.5663% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 3,578 |
| Loan loss allowance to noncurrent loans | 35.6818% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 1.2338% | 3,592 |
| Noncurrent loans to loans | 4.3116% | 1,021 |
| Net loans and leases to total assets | 28.1749% | 6,758 |
| Net loans and leases to deposits | 31.5538% | 6,799 |
| Net loans and leases to core deposits | 32.8602% | 6,793 |
| Total domestic deposits to total assets | 89.2914% | 1,377 |
| Equity capital to assets | 10.5067% | 3,523 |
| Core capital (leverage) ratio | 10.5440% | 2,714 |
| Tier 1 risk-based capital ratio | 21.8944% | 1,279 |
| Total risk-based capital ratio | 22.8715% | 1,310 |
| Memoranda: | ||
| Average total assets | $34,544,600 | 6,645 |
| Average earning assets | $30,168,400 | 6,659 |
| Average equity | $3,668,200 | 6,644 |
| Average total loans | $10,721,400 | 6,819 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8227% | 5,966 |
| Cost of funding earning assets | 0.7290% | 3,529 |
| Net interest margin | 3.0937% | 5,956 |
| Noninterest income to average assets | 0.0817% | 6,683 |
| Noninterest expense to average assets | 2.3619% | 5,511 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4280% | 5,124 |
| Return on assets (ROA) | 0.4280% | 5,365 |
| Pretax return on assets | 0.4280% | 5,653 |
| Return on Equity (ROE) | 4.0197% | 5,286 |
| Retained earnings to average equity (ytd only) | 4.0197% | 4,058 |
| Net charge-offs to loans | 1.1182% | 902 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.2088% | 4,696 |
| Efficiency ratio | 84.6583% | 1,514 |
| Assets per employee ($millions) | 3.4775% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 4,522 |
| Loan loss allowance to noncurrent loans | 28.3237% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 1.4925% | 3,355 |
| Noncurrent loans to loans | 4.8180% | 954 |
| Net loans and leases to total assets | 30.5536% | 6,793 |
| Net loans and leases to deposits | 34.3529% | 6,854 |
| Net loans and leases to core deposits | 35.8601% | 6,859 |
| Total domestic deposits to total assets | 88.9403% | 1,468 |
| Equity capital to assets | 10.7951% | 3,507 |
| Core capital (leverage) ratio | 11.0018% | 2,378 |
| Tier 1 risk-based capital ratio | 21.2819% | 1,457 |
| Total risk-based capital ratio | 22.1724% | 1,509 |
| Memoranda: | ||
| Average total assets | $34,265,000 | 6,735 |
| Average earning assets | $29,995,500 | 6,749 |
| Average equity | $3,648,500 | 6,731 |
| Average total loans | $10,850,500 | 6,906 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 5,965 |
| Cost of funding earning assets | 0.7525% | 3,586 |
| Net interest margin | 3.1252% | 5,924 |
| Noninterest income to average assets | 0.1584% | 6,398 |
| Noninterest expense to average assets | 2.4872% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3754% | 5,327 |
| Return on assets (ROA) | 0.3754% | 5,551 |
| Pretax return on assets | 0.3754% | 5,764 |
| Return on Equity (ROE) | 3.5424% | 5,465 |
| Retained earnings to average equity (ytd only) | 3.5424% | 4,240 |
| Net charge-offs to loans | 1.8756% | 468 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.6275% | 4,749 |
| Efficiency ratio | 86.8852% | 1,353 |
| Assets per employee ($millions) | 3.4460% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 4,948 |
| Loan loss allowance to noncurrent loans | 25.3259% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 1.6251% | 3,289 |
| Noncurrent loans to loans | 5.0756% | 956 |
| Net loans and leases to total assets | 30.3076% | 6,866 |
| Net loans and leases to deposits | 34.0484% | 6,919 |
| Net loans and leases to core deposits | 35.5504% | 6,922 |
| Total domestic deposits to total assets | 89.0133% | 1,498 |
| Equity capital to assets | 10.6239% | 3,542 |
| Core capital (leverage) ratio | 10.5134% | 2,789 |
| Tier 1 risk-based capital ratio | 18.7995% | 2,030 |
| Total risk-based capital ratio | 19.5369% | 2,168 |
| Memoranda: | ||
| Average total assets | $34,095,000 | 6,783 |
| Average earning assets | $29,502,000 | 6,811 |
| Average equity | $3,613,330 | 6,776 |
| Average total loans | $10,876,670 | 6,968 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 6,052 |
| Cost of funding earning assets | 0.7686% | 3,708 |
| Net interest margin | 3.1155% | 6,000 |
| Noninterest income to average assets | 0.2831% | 5,607 |
| Noninterest expense to average assets | 2.8544% | 3,802 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1062% | 6,225 |
| Return on assets (ROA) | 0.1062% | 6,352 |
| Pretax return on assets | 0.1062% | 6,374 |
| Return on Equity (ROE) | 1.0029% | 6,345 |
| Retained earnings to average equity (ytd only) | 1.0029% | 5,671 |
| Net charge-offs to loans | 3.7007% | 169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.0882% | 4,321 |
| Efficiency ratio | 96.4143% | 698 |
| Assets per employee ($millions) | 3.4763% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 5,152 |
| Loan loss allowance to noncurrent loans | 21.3166% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 2.1949% | 2,692 |
| Noncurrent loans to loans | 5.9654% | 841 |
| Net loans and leases to total assets | 30.3742% | 6,894 |
| Net loans and leases to deposits | 33.9485% | 6,954 |
| Net loans and leases to core deposits | 35.4174% | 6,960 |
| Total domestic deposits to total assets | 89.4716% | 1,390 |
| Equity capital to assets | 10.2954% | 3,733 |
| Core capital (leverage) ratio | 10.7896% | 2,451 |
| Tier 1 risk-based capital ratio | 21.3450% | 1,409 |
| Total risk-based capital ratio | 22.1958% | 1,476 |
| Memoranda: | ||
| Average total assets | $33,912,500 | 6,843 |
| Average earning assets | $29,145,000 | 6,879 |
| Average equity | $3,589,500 | 6,824 |
| Average total loans | $11,025,000 | 7,022 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3580% | 5,579 |
| Cost of funding earning assets | 0.9397% | 3,788 |
| Net interest margin | 3.4182% | 5,431 |
| Noninterest income to average assets | 0.2382% | 5,833 |
| Noninterest expense to average assets | 2.8127% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3359% | 5,116 |
| Return on assets (ROA) | 0.3359% | 5,278 |
| Pretax return on assets | 0.3359% | 5,457 |
| Return on Equity (ROE) | 3.2005% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.2005% | 3,943 |
| Net charge-offs to loans | 0.6027% | 2,645 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.5278% | 4,632 |
| Efficiency ratio | 89.3307% | 1,242 |
| Assets per employee ($millions) | 3.0056% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0872% | 2,047 |
| Loan loss allowance to noncurrent loans | 21.6636% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 3.6900% | 1,590 |
| Noncurrent loans to loans | 9.6345% | 346 |
| Net loans and leases to total assets | 33.6277% | 6,881 |
| Net loans and leases to deposits | 37.8189% | 6,950 |
| Net loans and leases to core deposits | 39.5504% | 6,958 |
| Total domestic deposits to total assets | 88.9178% | 1,600 |
| Equity capital to assets | 10.8886% | 3,091 |
| Core capital (leverage) ratio | 11.1893% | 2,127 |
| Tier 1 risk-based capital ratio | 21.1722% | 1,381 |
| Total risk-based capital ratio | 22.4227% | 1,355 |
| Memoranda: | ||
| Average total assets | $32,743,800 | 6,900 |
| Average earning assets | $27,879,800 | 6,928 |
| Average equity | $3,437,000 | 6,897 |
| Average total loans | $11,946,800 | 7,034 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 5,610 |
| Cost of funding earning assets | 0.9770% | 3,836 |
| Net interest margin | 3.4197% | 5,511 |
| Noninterest income to average assets | 0.3470% | 5,088 |
| Noninterest expense to average assets | 2.7756% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4653% | 4,697 |
| Return on assets (ROA) | 0.4653% | 4,888 |
| Pretax return on assets | 0.4858% | 5,205 |
| Return on Equity (ROE) | 4.4755% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.4755% | 3,537 |
| Net charge-offs to loans | 0.8819% | 1,811 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.4875% | 4,521 |
| Efficiency ratio | 85.1064% | 1,628 |
| Assets per employee ($millions) | 2.8986% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 2,674 |
| Loan loss allowance to noncurrent loans | 21.1397% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 3.9266% | 1,568 |
| Noncurrent loans to loans | 8.8896% | 448 |
| Net loans and leases to total assets | 37.6635% | 6,791 |
| Net loans and leases to deposits | 42.5821% | 6,888 |
| Net loans and leases to core deposits | 44.6730% | 6,898 |
| Total domestic deposits to total assets | 88.4491% | 1,787 |
| Equity capital to assets | 11.2279% | 2,938 |
| Core capital (leverage) ratio | 11.3894% | 2,110 |
| Tier 1 risk-based capital ratio | 20.4038% | 1,588 |
| Total risk-based capital ratio | 21.6558% | 1,559 |
| Memoranda: | ||
| Average total assets | $32,664,250 | 6,964 |
| Average earning assets | $27,838,500 | 6,998 |
| Average equity | $3,396,250 | 6,967 |
| Average total loans | $12,094,750 | 7,100 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 5,948 |
| Cost of funding earning assets | 1.0123% | 3,872 |
| Net interest margin | 3.3097% | 5,829 |
| Noninterest income to average assets | 0.1944% | 6,276 |
| Noninterest expense to average assets | 2.8794% | 4,106 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1154% | 5,975 |
| Return on assets (ROA) | 0.1154% | 6,063 |
| Pretax return on assets | 0.1154% | 6,077 |
| Return on Equity (ROE) | 1.1394% | 6,050 |
| Retained earnings to average equity (ytd only) | 1.1394% | 5,407 |
| Net charge-offs to loans | 0.1162% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.7143% | 3,485 |
| Efficiency ratio | 96.1460% | 872 |
| Assets per employee ($millions) | 2.9516% | 6,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5871% | 1,327 |
| Loan loss allowance to noncurrent loans | 29.0508% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 3.7237% | 1,745 |
| Noncurrent loans to loans | 8.9054% | 470 |
| Net loans and leases to total assets | 35.1392% | 7,006 |
| Net loans and leases to deposits | 39.4161% | 7,083 |
| Net loans and leases to core deposits | 41.2936% | 7,089 |
| Total domestic deposits to total assets | 89.1493% | 1,446 |
| Equity capital to assets | 10.4965% | 3,510 |
| Core capital (leverage) ratio | 10.6873% | 2,531 |
| Tier 1 risk-based capital ratio | 20.2000% | 1,571 |
| Total risk-based capital ratio | 21.4565% | 1,548 |
| Memoranda: | ||
| Average total assets | $32,924,000 | 7,022 |
| Average earning assets | $27,857,330 | 7,064 |
| Average equity | $3,335,000 | 7,034 |
| Average total loans | $12,046,670 | 7,168 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 5,873 |
| Cost of funding earning assets | 1.0430% | 3,901 |
| Net interest margin | 3.3029% | 5,767 |
| Noninterest income to average assets | 0.0965% | 6,931 |
| Noninterest expense to average assets | 3.0164% | 3,573 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1689% | 6,529 |
| Return on assets (ROA) | -0.1689% | 6,548 |
| Pretax return on assets | -0.1689% | 6,514 |
| Return on Equity (ROE) | -1.6977% | 6,556 |
| Retained earnings to average equity (ytd only) | -1.6977% | 6,102 |
| Net charge-offs to loans | 0.0655% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 5,042 |
| Efficiency ratio | 105.9322% | 577 |
| Assets per employee ($millions) | 3.0334% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5901% | 1,325 |
| Loan loss allowance to noncurrent loans | 29.8638% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 3.5544% | 1,914 |
| Noncurrent loans to loans | 8.6729% | 532 |
| Net loans and leases to total assets | 34.6031% | 7,066 |
| Net loans and leases to deposits | 38.5201% | 7,153 |
| Net loans and leases to core deposits | 40.2819% | 7,159 |
| Total domestic deposits to total assets | 89.8313% | 1,252 |
| Equity capital to assets | 9.9050% | 3,895 |
| Core capital (leverage) ratio | 10.3518% | 2,756 |
| Tier 1 risk-based capital ratio | 19.5947% | 1,676 |
| Total risk-based capital ratio | 20.8500% | 1,643 |
| Memoranda: | ||
| Average total assets | $33,152,000 | 7,067 |
| Average earning assets | $27,612,500 | 7,117 |
| Average equity | $3,298,500 | 7,078 |
| Average total loans | $12,214,000 | 7,217 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 4,655 |
| Cost of funding earning assets | 1.2888% | 3,956 |
| Net interest margin | 3.6899% | 4,392 |
| Noninterest income to average assets | 0.1687% | 6,524 |
| Noninterest expense to average assets | 2.9197% | 4,144 |
| Loan and lease loss provision to assets | 0.3588% | 3,968 |
| Net operating income to assets | 0.0337% | 5,747 |
| Return on assets (ROA) | 0.0337% | 5,881 |
| Pretax return on assets | 0.0337% | 5,828 |
| Return on Equity (ROE) | 0.3383% | 5,875 |
| Retained earnings to average equity (ytd only) | 0.3383% | 5,413 |
| Net charge-offs to loans | 0.6713% | 2,996 |
| Credit loss provision to net charge-offs | 134.4828% | 2,903 |
| Earnings coverage of net charge-offs (x) | 1.4713% | 4,655 |
| Efficiency ratio | 88.1481% | 1,470 |
| Assets per employee ($millions) | 2.9943% | 6,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4573% | 1,465 |
| Loan loss allowance to noncurrent loans | 57.5419% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 2.1283% | 3,179 |
| Noncurrent loans to loans | 4.2704% | 1,696 |
| Net loans and leases to total assets | 37.2408% | 7,106 |
| Net loans and leases to deposits | 41.4967% | 7,207 |
| Net loans and leases to core deposits | 43.4149% | 7,221 |
| Total domestic deposits to total assets | 89.7441% | 1,240 |
| Equity capital to assets | 9.9948% | 3,744 |
| Core capital (leverage) ratio | 10.4806% | 2,582 |
| Tier 1 risk-based capital ratio | 19.4564% | 1,604 |
| Total risk-based capital ratio | 20.7149% | 1,574 |
| Memoranda: | ||
| Average total assets | $32,605,600 | 7,127 |
| Average earning assets | $27,778,600 | 7,167 |
| Average equity | $3,251,800 | 7,206 |
| Average total loans | $12,960,000 | 7,256 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1177% | 4,228 |
| Cost of funding earning assets | 1.3357% | 4,004 |
| Net interest margin | 3.7820% | 4,051 |
| Noninterest income to average assets | 0.0902% | 7,089 |
| Noninterest expense to average assets | 2.9558% | 3,904 |
| Loan and lease loss provision to assets | 0.6027% | 2,533 |
| Net operating income to assets | -0.2296% | 6,357 |
| Return on assets (ROA) | -0.2296% | 6,411 |
| Pretax return on assets | -0.2296% | 6,342 |
| Return on Equity (ROE) | -2.3031% | 6,432 |
| Retained earnings to average equity (ytd only) | -2.3031% | 6,254 |
| Net charge-offs to loans | 0.0715% | 5,799 |
| Credit loss provision to net charge-offs | 2,100.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 13.0043% | 1,632 |
| Efficiency ratio | 88.7931% | 1,382 |
| Assets per employee ($millions) | 2.9435% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2556% | 665 |
| Loan loss allowance to noncurrent loans | 69.0280% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 2.4244% | 2,949 |
| Noncurrent loans to loans | 4.7164% | 1,508 |
| Net loans and leases to total assets | 38.4539% | 7,166 |
| Net loans and leases to deposits | 43.0220% | 7,270 |
| Net loans and leases to core deposits | 45.1074% | 7,288 |
| Total domestic deposits to total assets | 89.3820% | 1,186 |
| Equity capital to assets | 10.2041% | 3,880 |
| Core capital (leverage) ratio | 10.4386% | 2,757 |
| Tier 1 risk-based capital ratio | 18.7377% | 1,811 |
| Total risk-based capital ratio | 20.0035% | 1,776 |
| Memoranda: | ||
| Average total assets | $32,522,750 | 7,215 |
| Average earning assets | $27,850,250 | 7,257 |
| Average equity | $3,241,750 | 7,298 |
| Average total loans | $13,056,250 | 7,345 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1515% | 4,191 |
| Cost of funding earning assets | 1.3718% | 4,047 |
| Net interest margin | 3.7797% | 3,993 |
| Noninterest income to average assets | 0.2333% | 6,238 |
| Noninterest expense to average assets | 3.1931% | 2,924 |
| Loan and lease loss provision to assets | 0.9027% | 1,619 |
| Net operating income to assets | -0.6140% | 6,752 |
| Return on assets (ROA) | -0.6140% | 6,779 |
| Pretax return on assets | -0.6140% | 6,670 |
| Return on Equity (ROE) | -6.2093% | 6,783 |
| Retained earnings to average equity (ytd only) | -6.2093% | 6,673 |
| Net charge-offs to loans | 0.5793% | 2,798 |
| Credit loss provision to net charge-offs | 386.8421% | 938 |
| Earnings coverage of net charge-offs (x) | 1.2368% | 4,579 |
| Efficiency ratio | 91.7108% | 1,207 |
| Assets per employee ($millions) | 2.9747% | 6,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9416% | 874 |
| Loan loss allowance to noncurrent loans | 51.2516% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 2.8330% | 2,545 |
| Noncurrent loans to loans | 5.7396% | 1,131 |
| Net loans and leases to total assets | 39.2244% | 7,210 |
| Net loans and leases to deposits | 43.7413% | 7,330 |
| Net loans and leases to core deposits | 45.8229% | 7,360 |
| Total domestic deposits to total assets | 89.6736% | 1,085 |
| Equity capital to assets | 9.8527% | 4,200 |
| Core capital (leverage) ratio | 10.2771% | 2,858 |
| Tier 1 risk-based capital ratio | 18.1445% | 1,925 |
| Total risk-based capital ratio | 19.4047% | 1,889 |
| Memoranda: | ||
| Average total assets | $32,570,670 | 7,268 |
| Average earning assets | $27,992,000 | 7,299 |
| Average equity | $3,221,000 | 7,350 |
| Average total loans | $13,118,330 | 7,393 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1422% | 4,335 |
| Cost of funding earning assets | 1.3871% | 4,262 |
| Net interest margin | 3.7551% | 3,983 |
| Noninterest income to average assets | 0.0862% | 7,272 |
| Noninterest expense to average assets | 3.3113% | 2,496 |
| Loan and lease loss provision to assets | 1.8095% | 626 |
| Net operating income to assets | -1.7357% | 7,396 |
| Return on assets (ROA) | -1.7357% | 7,402 |
| Pretax return on assets | -1.7357% | 7,332 |
| Return on Equity (ROE) | -17.5182% | 7,382 |
| Retained earnings to average equity (ytd only) | -17.5182% | 7,294 |
| Net charge-offs to loans | 1.1328% | 1,487 |
| Credit loss provision to net charge-offs | 397.2973% | 1,032 |
| Earnings coverage of net charge-offs (x) | 0.1622% | 4,888 |
| Efficiency ratio | 97.8182% | 931 |
| Assets per employee ($millions) | 2.7051% | 6,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1270% | 741 |
| Loan loss allowance to noncurrent loans | 42.6230% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 3.4010% | 2,087 |
| Noncurrent loans to loans | 7.3364% | 788 |
| Net loans and leases to total assets | 37.2200% | 7,379 |
| Net loans and leases to deposits | 41.4633% | 7,473 |
| Net loans and leases to core deposits | 43.0715% | 7,504 |
| Total domestic deposits to total assets | 89.7662% | 1,105 |
| Equity capital to assets | 9.7132% | 4,208 |
| Core capital (leverage) ratio | 10.2067% | 2,924 |
| Tier 1 risk-based capital ratio | 18.2500% | 1,887 |
| Total risk-based capital ratio | 19.5108% | 1,856 |
| Memoranda: | ||
| Average total assets | $32,495,000 | 7,359 |
| Average earning assets | $28,548,000 | 7,370 |
| Average equity | $3,219,500 | 7,430 |
| Average total loans | $13,065,500 | 7,489 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4233% | 4,577 |
| Cost of funding earning assets | 1.6904% | 4,570 |
| Net interest margin | 3.7329% | 3,988 |
| Noninterest income to average assets | 0.4059% | 5,156 |
| Noninterest expense to average assets | 3.3825% | 2,735 |
| Loan and lease loss provision to assets | 1.7746% | 1,278 |
| Net operating income to assets | -1.4159% | 6,820 |
| Return on assets (ROA) | -1.4033% | 6,819 |
| Pretax return on assets | -1.4033% | 6,647 |
| Return on Equity (ROE) | -13.0219% | 6,831 |
| Retained earnings to average equity (ytd only) | -15.3577% | 6,902 |
| Net charge-offs to loans | 3.4336% | 572 |
| Credit loss provision to net charge-offs | 118.2390% | 4,569 |
| Earnings coverage of net charge-offs (x) | 0.2390% | 5,888 |
| Efficiency ratio | 90.4121% | 1,675 |
| Assets per employee ($millions) | 2.7108% | 6,834 |
| Cash dividends to net income (ytd only)* | -17.9372% | 7,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0426% | 1,932 |
| Loan loss allowance to noncurrent loans | 49.6441% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 3.1141% | 2,224 |
| Noncurrent loans to loans | 4.1145% | 1,788 |
| Net loans and leases to total assets | 41.1325% | 7,294 |
| Net loans and leases to deposits | 45.9857% | 7,441 |
| Net loans and leases to core deposits | 51.3391% | 7,551 |
| Total domestic deposits to total assets | 89.4463% | 1,243 |
| Equity capital to assets | 10.1018% | 3,615 |
| Core capital (leverage) ratio | 10.6119% | 2,495 |
| Tier 1 risk-based capital ratio | 19.0109% | 1,652 |
| Total risk-based capital ratio | 20.2675% | 1,616 |
| Memoranda: | ||
| Average total assets | $31,781,400 | 7,413 |
| Average earning assets | $28,396,200 | 7,419 |
| Average equity | $3,425,000 | 7,467 |
| Average total loans | $13,892,000 | 7,502 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4623% | 4,618 |
| Cost of funding earning assets | 1.7314% | 4,735 |
| Net interest margin | 3.7310% | 3,944 |
| Noninterest income to average assets | 0.5064% | 4,432 |
| Noninterest expense to average assets | 3.1693% | 3,404 |
| Loan and lease loss provision to assets | 2.3801% | 711 |
| Net operating income to assets | -1.6965% | 7,191 |
| Return on assets (ROA) | -1.6796% | 7,183 |
| Pretax return on assets | -1.6796% | 7,039 |
| Return on Equity (ROE) | -15.3378% | 7,207 |
| Retained earnings to average equity (ytd only) | -18.2666% | 7,279 |
| Net charge-offs to loans | 5.0464% | 223 |
| Credit loss provision to net charge-offs | 106.8182% | 4,758 |
| Earnings coverage of net charge-offs (x) | 0.3068% | 5,716 |
| Efficiency ratio | 82.2563% | 2,550 |
| Assets per employee ($millions) | 2.5737% | 7,101 |
| Cash dividends to net income (ytd only)* | -19.0954% | 7,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 2,892 |
| Loan loss allowance to noncurrent loans | 39.8601% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 3.5520% | 1,863 |
| Noncurrent loans to loans | 4.0776% | 1,797 |
| Net loans and leases to total assets | 44.6833% | 7,200 |
| Net loans and leases to deposits | 50.4681% | 7,389 |
| Net loans and leases to core deposits | 56.8603% | 7,516 |
| Total domestic deposits to total assets | 88.5378% | 1,415 |
| Equity capital to assets | 10.9150% | 3,099 |
| Core capital (leverage) ratio | 10.8861% | 2,492 |
| Tier 1 risk-based capital ratio | 19.2637% | 1,693 |
| Total risk-based capital ratio | 20.5158% | 1,658 |
| Memoranda: | ||
| Average total assets | $31,594,500 | 7,479 |
| Average earning assets | $28,338,750 | 7,486 |
| Average equity | $3,459,750 | 7,520 |
| Average total loans | $13,950,250 | 7,567 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4079% | 5,109 |
| Cost of funding earning assets | 1.7400% | 5,064 |
| Net interest margin | 3.6679% | 4,088 |
| Noninterest income to average assets | 0.5403% | 4,109 |
| Noninterest expense to average assets | 3.3426% | 2,813 |
| Loan and lease loss provision to assets | 3.5437% | 403 |
| Net operating income to assets | -3.0347% | 7,684 |
| Return on assets (ROA) | -3.0096% | 7,674 |
| Pretax return on assets | -3.0096% | 7,575 |
| Return on Equity (ROE) | -27.4551% | 7,674 |
| Retained earnings to average equity (ytd only) | -30.8942% | 7,698 |
| Net charge-offs to loans | 7.5264% | 114 |
| Credit loss provision to net charge-offs | 107.6336% | 4,288 |
| Earnings coverage of net charge-offs (x) | 0.1546% | 5,516 |
| Efficiency ratio | 86.7863% | 2,145 |
| Assets per employee ($millions) | 2.6747% | 6,893 |
| Cash dividends to net income (ytd only)* | -12.5261% | 7,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 2,336 |
| Loan loss allowance to noncurrent loans | 34.7305% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 3.8385% | 1,580 |
| Noncurrent loans to loans | 4.9046% | 1,268 |
| Net loans and leases to total assets | 41.7124% | 7,465 |
| Net loans and leases to deposits | 46.7850% | 7,607 |
| Net loans and leases to core deposits | 52.7004% | 7,689 |
| Total domestic deposits to total assets | 89.1575% | 1,196 |
| Equity capital to assets | 10.2256% | 3,694 |
| Core capital (leverage) ratio | 10.5371% | 2,779 |
| Tier 1 risk-based capital ratio | 19.1441% | 1,750 |
| Total risk-based capital ratio | 20.3959% | 1,704 |
| Memoranda: | ||
| Average total assets | $31,831,330 | 7,539 |
| Average earning assets | $28,735,670 | 7,538 |
| Average equity | $3,489,330 | 7,580 |
| Average total loans | $13,924,330 | 7,648 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3985% | 5,436 |
| Cost of funding earning assets | 1.7347% | 5,452 |
| Net interest margin | 3.6637% | 4,046 |
| Noninterest income to average assets | 0.4543% | 4,727 |
| Noninterest expense to average assets | 3.5080% | 2,082 |
| Loan and lease loss provision to assets | 7.1169% | 91 |
| Net operating income to assets | -6.8772% | 8,118 |
| Return on assets (ROA) | -6.8393% | 8,108 |
| Pretax return on assets | -6.8015% | 8,075 |
| Return on Equity (ROE) | -60.3395% | 8,087 |
| Retained earnings to average equity (ytd only) | -64.3473% | 8,083 |
| Net charge-offs to loans | 14.8332% | 27 |
| Credit loss provision to net charge-offs | 108.0460% | 3,548 |
| Earnings coverage of net charge-offs (x) | 0.0421% | 4,942 |
| Efficiency ratio | 92.6667% | 1,528 |
| Assets per employee ($millions) | 2.6540% | 6,969 |
| Cash dividends to net income (ytd only)* | -6.6421% | 8,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7637% | 1,945 |
| Loan loss allowance to noncurrent loans | 53.5632% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 3.3723% | 1,618 |
| Noncurrent loans to loans | 3.2927% | 1,943 |
| Net loans and leases to total assets | 40.7498% | 7,532 |
| Net loans and leases to deposits | 45.7568% | 7,673 |
| Net loans and leases to core deposits | 51.0563% | 7,753 |
| Total domestic deposits to total assets | 89.0574% | 1,204 |
| Equity capital to assets | 10.3492% | 3,611 |
| Core capital (leverage) ratio | 10.5127% | 2,909 |
| Tier 1 risk-based capital ratio | 19.1593% | 1,780 |
| Total risk-based capital ratio | 20.4091% | 1,746 |
| Memoranda: | ||
| Average total assets | $31,699,000 | 7,582 |
| Average earning assets | $28,823,000 | 7,580 |
| Average equity | $3,593,000 | 7,593 |
| Average total loans | $14,076,500 | 7,686 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4402% | 3,223 |
| Cost of funding earning assets | 2.0579% | 6,205 |
| Net interest margin | 4.3824% | 1,744 |
| Noninterest income to average assets | 0.5116% | 4,532 |
| Noninterest expense to average assets | 3.4770% | 2,460 |
| Loan and lease loss provision to assets | 0.3790% | 3,420 |
| Net operating income to assets | 0.6821% | 3,972 |
| Return on assets (ROA) | 0.6821% | 3,810 |
| Pretax return on assets | 0.7042% | 4,388 |
| Return on Equity (ROE) | 5.6268% | 4,105 |
| Retained earnings to average equity (ytd only) | 3.5428% | 2,938 |
| Net charge-offs to loans | 0.7879% | 1,579 |
| Credit loss provision to net charge-offs | 99.1736% | 5,407 |
| Earnings coverage of net charge-offs (x) | 2.8347% | 4,656 |
| Efficiency ratio | 76.2465% | 3,194 |
| Assets per employee ($millions) | 2.6292% | 6,940 |
| Cash dividends to net income (ytd only)* | 37.0370% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 3,894 |
| Loan loss allowance to noncurrent loans | 102.6738% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.2868% | 3,651 |
| Noncurrent loans to loans | 1.2515% | 4,012 |
| Net loans and leases to total assets | 46.7512% | 7,268 |
| Net loans and leases to deposits | 53.6949% | 7,458 |
| Net loans and leases to core deposits | 59.2203% | 7,616 |
| Total domestic deposits to total assets | 87.0681% | 1,907 |
| Equity capital to assets | 12.3296% | 2,094 |
| Core capital (leverage) ratio | 12.3044% | 1,836 |
| Tier 1 risk-based capital ratio | 21.5779% | 1,379 |
| Total risk-based capital ratio | 22.6599% | 1,370 |
| Memoranda: | ||
| Average total assets | $31,665,200 | 7,581 |
| Average earning assets | $29,253,600 | 7,555 |
| Average equity | $3,838,800 | 7,566 |
| Average total loans | $15,357,800 | 7,624 |