Home > Citizens Federal Savings and Loan Association > Performance and Condition Ratios
Citizens Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 3,853 |
| Cost of funding earning assets | 1.4800% | 1,990 |
| Net interest margin | 2.5893% | 3,979 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 2.1533% | 3,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4424% | 3,782 |
| Return on assets (ROA) | -0.0330% | 4,387 |
| Pretax return on assets | -0.1193% | 4,408 |
| Return on Equity (ROE) | -0.1200% | 4,353 |
| Retained earnings to average equity (ytd only) | -0.1190% | 4,098 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.6956% | 797 |
| Assets per employee ($millions) | 7.9902% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 3,739 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 75.6000% | 1,165 |
| Net loans and leases to deposits | 121.0590% | 77 |
| Net loans and leases to core deposits | 125.0953% | 507 |
| Total domestic deposits to total assets | 62.4500% | 4,420 |
| Equity capital to assets | 27.7440% | 168 |
| Core capital (leverage) ratio | 29.0256% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 61.4452% | 83 |
| Memoranda: | ||
| Average total assets | $39,382,000 | 4,396 |
| Average earning assets | $38,581,200 | 4,354 |
| Average equity | $10,923,000 | 3,622 |
| Average total loans | $28,679,400 | 4,160 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 3,858 |
| Cost of funding earning assets | 1.3605% | 1,975 |
| Net interest margin | 2.6307% | 3,981 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.0999% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6252% | 3,481 |
| Return on assets (ROA) | 0.2684% | 4,154 |
| Pretax return on assets | 0.2175% | 4,239 |
| Return on Equity (ROE) | 0.9700% | 4,319 |
| Retained earnings to average equity (ytd only) | 0.9679% | 3,955 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.5260% | 969 |
| Assets per employee ($millions) | 7.8656% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 3,609 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 73.1800% | 1,450 |
| Net loans and leases to deposits | 113.9842% | 133 |
| Net loans and leases to core deposits | 119.1365% | 575 |
| Total domestic deposits to total assets | 64.2000% | 4,429 |
| Equity capital to assets | 27.6826% | 173 |
| Core capital (leverage) ratio | 29.5963% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.0719% | 82 |
| Memoranda: | ||
| Average total assets | $39,239,750 | 4,414 |
| Average earning assets | $38,417,500 | 4,375 |
| Average equity | $10,882,750 | 3,627 |
| Average total loans | $28,230,500 | 4,182 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9290% | 3,820 |
| Cost of funding earning assets | 1.2402% | 1,881 |
| Net interest margin | 2.6888% | 3,988 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.1117% | 3,315 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6835% | 3,375 |
| Return on assets (ROA) | 0.1479% | 4,365 |
| Pretax return on assets | 0.0969% | 4,400 |
| Return on Equity (ROE) | 0.5300% | 4,401 |
| Retained earnings to average equity (ytd only) | 0.5330% | 3,981 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.9517% | 1,096 |
| Assets per employee ($millions) | 7.8544% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 3,679 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 73.4800% | 1,351 |
| Net loans and leases to deposits | 114.8708% | 137 |
| Net loans and leases to core deposits | 120.0607% | 510 |
| Total domestic deposits to total assets | 63.9700% | 4,453 |
| Equity capital to assets | 27.7882% | 167 |
| Core capital (leverage) ratio | 29.6510% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.2775% | 75 |
| Memoranda: | ||
| Average total assets | $39,210,333 | 4,438 |
| Average earning assets | $38,381,000 | 4,399 |
| Average equity | $10,881,333 | 3,640 |
| Average total loans | $27,956,333 | 4,197 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 3,875 |
| Cost of funding earning assets | 1.1169% | 1,707 |
| Net interest margin | 2.6722% | 4,106 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.1338% | 3,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8673% | 2,968 |
| Return on assets (ROA) | 0.0204% | 4,453 |
| Pretax return on assets | -0.4798% | 4,566 |
| Return on Equity (ROE) | 0.0700% | 4,447 |
| Retained earnings to average equity (ytd only) | 0.0736% | 4,006 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.2772% | 977 |
| Assets per employee ($millions) | 7.8310% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 3,605 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 70.2700% | 1,596 |
| Net loans and leases to deposits | 110.3598% | 177 |
| Net loans and leases to core deposits | 115.3566% | 551 |
| Total domestic deposits to total assets | 63.6800% | 4,514 |
| Equity capital to assets | 27.9683% | 130 |
| Core capital (leverage) ratio | 29.6510% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.1047% | 81 |
| Memoranda: | ||
| Average total assets | $39,179,500 | 4,507 |
| Average earning assets | $38,320,500 | 4,464 |
| Average equity | $10,865,500 | 3,686 |
| Average total loans | $27,369,000 | 4,259 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5481% | 2,949 |
| Cost of funding earning assets | 0.7767% | 425 |
| Net interest margin | 2.7714% | 3,940 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.1154% | 3,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5439% | 4,007 |
| Return on assets (ROA) | 0.5381% | 3,974 |
| Pretax return on assets | 0.7199% | 3,814 |
| Return on Equity (ROE) | 1.9900% | 4,388 |
| Retained earnings to average equity (ytd only) | 1.9920% | 3,977 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.4166% | 1,171 |
| Assets per employee ($millions) | 7.8408% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,313 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 68.0500% | 1,826 |
| Net loans and leases to deposits | 107.1879% | 219 |
| Net loans and leases to core deposits | 112.0218% | 545 |
| Total domestic deposits to total assets | 63.4900% | 4,549 |
| Equity capital to assets | 27.4972% | 131 |
| Core capital (leverage) ratio | 29.2657% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.5540% | 83 |
| Memoranda: | ||
| Average total assets | $40,700,600 | 4,520 |
| Average earning assets | $39,655,000 | 4,482 |
| Average equity | $10,993,800 | 3,759 |
| Average total loans | $26,268,200 | 4,297 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4448% | 2,790 |
| Cost of funding earning assets | 0.7263% | 230 |
| Net interest margin | 2.7185% | 3,893 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.0288% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6181% | 3,791 |
| Return on assets (ROA) | 0.6103% | 3,760 |
| Pretax return on assets | 0.7563% | 3,678 |
| Return on Equity (ROE) | 2.2700% | 4,379 |
| Retained earnings to average equity (ytd only) | 2.2690% | 3,964 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.5900% | 1,433 |
| Assets per employee ($millions) | 7.9228% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,378 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 66.5200% | 1,830 |
| Net loans and leases to deposits | 104.9544% | 215 |
| Net loans and leases to core deposits | 108.4887% | 518 |
| Total domestic deposits to total assets | 63.3800% | 4,607 |
| Equity capital to assets | 27.0132% | 123 |
| Core capital (leverage) ratio | 28.8703% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.7922% | 83 |
| Memoranda: | ||
| Average total assets | $41,074,750 | 4,549 |
| Average earning assets | $40,021,250 | 4,511 |
| Average equity | $11,047,250 | 3,805 |
| Average total loans | $26,097,750 | 4,333 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3477% | 2,584 |
| Cost of funding earning assets | 0.7209% | 141 |
| Net interest margin | 2.6268% | 3,859 |
| Noninterest income to average assets | 0.1299% | 4,355 |
| Noninterest expense to average assets | 2.0211% | 3,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5403% | 3,795 |
| Return on assets (ROA) | 0.5871% | 3,613 |
| Pretax return on assets | 0.7266% | 3,513 |
| Return on Equity (ROE) | 2.1859% | 4,331 |
| Retained earnings to average equity (ytd only) | 2.1859% | 3,699 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1342% | 1,374 |
| Assets per employee ($millions) | 8.0744% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 66.2588% | 1,662 |
| Net loans and leases to deposits | 104.5044% | 153 |
| Net loans and leases to core deposits | 106.8675% | 421 |
| Total domestic deposits to total assets | 63.4029% | 4,670 |
| Equity capital to assets | 27.0460% | 79 |
| Core capital (leverage) ratio | 27.9800% | 81 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.9978% | 47 |
| Memoranda: | ||
| Average total assets | $41,561,667 | 4,592 |
| Average earning assets | $40,505,667 | 4,562 |
| Average equity | $11,162,667 | 3,872 |
| Average total loans | $25,922,000 | 4,395 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2876% | 2,424 |
| Cost of funding earning assets | 0.7295% | 131 |
| Net interest margin | 2.5581% | 3,763 |
| Noninterest income to average assets | 0.0380% | 4,688 |
| Noninterest expense to average assets | 1.9356% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4674% | 3,797 |
| Return on assets (ROA) | 0.5124% | 3,646 |
| Pretax return on assets | 0.6547% | 3,509 |
| Return on Equity (ROE) | 1.9141% | 4,271 |
| Retained earnings to average equity (ytd only) | 1.9141% | 3,568 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4045% | 1,472 |
| Assets per employee ($millions) | 8.2754% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 3,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 61.2442% | 1,938 |
| Net loans and leases to deposits | 95.9850% | 281 |
| Net loans and leases to core deposits | 98.0765% | 571 |
| Total domestic deposits to total assets | 63.8060% | 4,709 |
| Equity capital to assets | 26.7661% | 75 |
| Core capital (leverage) ratio | 27.1049% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.0149% | 46 |
| Memoranda: | ||
| Average total assets | $42,156,500 | 4,611 |
| Average earning assets | $41,124,000 | 4,581 |
| Average equity | $11,284,500 | 3,930 |
| Average total loans | $25,372,000 | 4,420 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2865% | 3,250 |
| Cost of funding earning assets | 0.8928% | 123 |
| Net interest margin | 2.3936% | 4,330 |
| Noninterest income to average assets | 0.0443% | 4,735 |
| Noninterest expense to average assets | 1.8502% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3500% | 4,347 |
| Return on assets (ROA) | 0.3500% | 4,373 |
| Pretax return on assets | 0.5273% | 4,217 |
| Return on Equity (ROE) | 1.2962% | 4,575 |
| Retained earnings to average equity (ytd only) | 1.2962% | 4,174 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8214% | 965 |
| Assets per employee ($millions) | 8.5872% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 3,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 57.8978% | 2,387 |
| Net loans and leases to deposits | 91.9920% | 473 |
| Net loans and leases to core deposits | 92.9169% | 832 |
| Total domestic deposits to total assets | 62.9379% | 4,752 |
| Equity capital to assets | 26.7701% | 80 |
| Core capital (leverage) ratio | 26.6216% | 81 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.6806% | 49 |
| Memoranda: | ||
| Average total assets | $42,859,400 | 4,635 |
| Average earning assets | $41,777,600 | 4,601 |
| Average equity | $11,572,600 | 3,975 |
| Average total loans | $24,659,000 | 4,483 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2474% | 3,521 |
| Cost of funding earning assets | 0.9292% | 116 |
| Net interest margin | 2.3182% | 4,476 |
| Noninterest income to average assets | 0.0436% | 4,813 |
| Noninterest expense to average assets | 1.7678% | 4,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3610% | 4,433 |
| Return on assets (ROA) | 0.3610% | 4,463 |
| Pretax return on assets | 0.5353% | 4,325 |
| Return on Equity (ROE) | 1.3342% | 4,663 |
| Retained earnings to average equity (ytd only) | 1.3342% | 4,341 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7568% | 981 |
| Assets per employee ($millions) | 8.5474% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 58.0410% | 2,491 |
| Net loans and leases to deposits | 90.1083% | 602 |
| Net loans and leases to core deposits | 90.9908% | 983 |
| Total domestic deposits to total assets | 64.4126% | 4,806 |
| Equity capital to assets | 27.0679% | 79 |
| Core capital (leverage) ratio | 26.2113% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.9971% | 52 |
| Memoranda: | ||
| Average total assets | $42,840,250 | 4,702 |
| Average earning assets | $41,755,750 | 4,663 |
| Average equity | $11,592,250 | 4,027 |
| Average total loans | $24,541,000 | 4,544 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2357% | 3,598 |
| Cost of funding earning assets | 0.9669% | 125 |
| Net interest margin | 2.2688% | 4,544 |
| Noninterest income to average assets | 0.0420% | 4,852 |
| Noninterest expense to average assets | 1.7400% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3172% | 4,508 |
| Return on assets (ROA) | 0.3172% | 4,531 |
| Pretax return on assets | 0.5131% | 4,369 |
| Return on Equity (ROE) | 1.1724% | 4,681 |
| Retained earnings to average equity (ytd only) | 1.1724% | 4,303 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2257% | 972 |
| Assets per employee ($millions) | 8.6256% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 58.5582% | 2,596 |
| Net loans and leases to deposits | 90.7050% | 605 |
| Net loans and leases to core deposits | 91.5766% | 1,034 |
| Total domestic deposits to total assets | 64.5590% | 4,839 |
| Equity capital to assets | 26.8758% | 81 |
| Core capital (leverage) ratio | 26.2567% | 82 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.4217% | 56 |
| Memoranda: | ||
| Average total assets | $42,874,667 | 4,732 |
| Average earning assets | $41,783,667 | 4,691 |
| Average equity | $11,600,333 | 4,037 |
| Average total loans | $24,362,333 | 4,584 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1979% | 3,699 |
| Cost of funding earning assets | 1.0083% | 131 |
| Net interest margin | 2.1895% | 4,618 |
| Noninterest income to average assets | 0.0374% | 4,876 |
| Noninterest expense to average assets | 1.7685% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1029% | 4,711 |
| Return on assets (ROA) | 0.1029% | 4,722 |
| Pretax return on assets | 0.4024% | 4,481 |
| Return on Equity (ROE) | 0.3791% | 4,762 |
| Retained earnings to average equity (ytd only) | 0.3791% | 4,318 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4655% | 731 |
| Assets per employee ($millions) | 8.4790% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 55.6033% | 3,086 |
| Net loans and leases to deposits | 86.7356% | 910 |
| Net loans and leases to core deposits | 87.5831% | 1,401 |
| Total domestic deposits to total assets | 64.1066% | 4,861 |
| Equity capital to assets | 27.1140% | 75 |
| Core capital (leverage) ratio | 26.1110% | 82 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.0360% | 50 |
| Memoranda: | ||
| Average total assets | $42,748,000 | 4,752 |
| Average earning assets | $41,652,500 | 4,711 |
| Average equity | $11,605,000 | 4,047 |
| Average total loans | $23,780,000 | 4,621 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6070% | 3,799 |
| Cost of funding earning assets | 1.2369% | 237 |
| Net interest margin | 2.3701% | 4,676 |
| Noninterest income to average assets | 0.0529% | 4,857 |
| Noninterest expense to average assets | 1.8338% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3274% | 4,397 |
| Return on assets (ROA) | 0.3293% | 4,457 |
| Pretax return on assets | 0.5287% | 4,219 |
| Return on Equity (ROE) | 1.1810% | 4,657 |
| Retained earnings to average equity (ytd only) | 1.1810% | 4,157 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6986% | 1,058 |
| Assets per employee ($millions) | 8.6202% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 3,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 54.3908% | 3,457 |
| Net loans and leases to deposits | 85.6835% | 1,274 |
| Net loans and leases to core deposits | 87.5098% | 1,744 |
| Total domestic deposits to total assets | 63.4788% | 4,885 |
| Equity capital to assets | 27.1803% | 78 |
| Core capital (leverage) ratio | 26.0172% | 82 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.4362% | 50 |
| Memoranda: | ||
| Average total assets | $41,608,200 | 4,750 |
| Average earning assets | $40,505,000 | 4,711 |
| Average equity | $11,600,200 | 4,019 |
| Average total loans | $23,555,000 | 4,652 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 2,998 |
| Cost of funding earning assets | 1.0365% | 673 |
| Net interest margin | 2.9533% | 4,077 |
| Noninterest income to average assets | 0.0550% | 4,877 |
| Noninterest expense to average assets | 1.8333% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8042% | 3,073 |
| Return on assets (ROA) | 0.3751% | 4,375 |
| Pretax return on assets | 0.5529% | 4,190 |
| Return on Equity (ROE) | 1.3366% | 4,650 |
| Retained earnings to average equity (ytd only) | 1.3366% | 4,137 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5828% | 2,979 |
| Assets per employee ($millions) | 8.5748% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 3,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 56.5098% | 3,577 |
| Net loans and leases to deposits | 89.9499% | 1,269 |
| Net loans and leases to core deposits | 91.8841% | 1,805 |
| Total domestic deposits to total assets | 62.8236% | 4,905 |
| Equity capital to assets | 27.3709% | 75 |
| Core capital (leverage) ratio | 26.3219% | 81 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.3165% | 52 |
| Memoranda: | ||
| Average total assets | $41,235,000 | 4,778 |
| Average earning assets | $40,134,750 | 4,738 |
| Average equity | $11,571,500 | 4,026 |
| Average total loans | $23,515,000 | 4,681 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7077% | 4,073 |
| Cost of funding earning assets | 1.2881% | 380 |
| Net interest margin | 2.4196% | 4,780 |
| Noninterest income to average assets | 0.0590% | 4,890 |
| Noninterest expense to average assets | 1.8875% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8553% | 2,850 |
| Return on assets (ROA) | 0.8602% | 2,957 |
| Pretax return on assets | 0.5309% | 4,198 |
| Return on Equity (ROE) | 3.0390% | 4,346 |
| Retained earnings to average equity (ytd only) | 3.0390% | 3,370 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2077% | 1,034 |
| Assets per employee ($millions) | 8.3882% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 2,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 56.9586% | 3,611 |
| Net loans and leases to deposits | 91.9197% | 1,168 |
| Net loans and leases to core deposits | 93.9550% | 1,744 |
| Total domestic deposits to total assets | 61.9656% | 4,940 |
| Equity capital to assets | 28.1515% | 72 |
| Core capital (leverage) ratio | 27.1226% | 76 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.3974% | 49 |
| Memoranda: | ||
| Average total assets | $40,688,667 | 4,808 |
| Average earning assets | $39,593,667 | 4,765 |
| Average equity | $11,517,000 | 4,043 |
| Average total loans | $23,186,667 | 4,707 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7355% | 4,324 |
| Cost of funding earning assets | 1.3033% | 558 |
| Net interest margin | 2.4322% | 4,858 |
| Noninterest income to average assets | 0.0699% | 4,920 |
| Noninterest expense to average assets | 1.9969% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7289% | 3,170 |
| Return on assets (ROA) | 0.7388% | 3,221 |
| Pretax return on assets | 0.4493% | 4,208 |
| Return on Equity (ROE) | 2.6029% | 4,310 |
| Retained earnings to average equity (ytd only) | 2.6029% | 3,226 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9672% | 972 |
| Assets per employee ($millions) | 8.1238% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 55.3263% | 3,881 |
| Net loans and leases to deposits | 90.3147% | 1,471 |
| Net loans and leases to core deposits | 92.3940% | 2,117 |
| Total domestic deposits to total assets | 61.2595% | 5,016 |
| Equity capital to assets | 28.2848% | 81 |
| Core capital (leverage) ratio | 27.7451% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.0970% | 49 |
| Memoranda: | ||
| Average total assets | $40,062,500 | 4,852 |
| Average earning assets | $38,977,000 | 4,802 |
| Average equity | $11,372,000 | 4,085 |
| Average total loans | $22,699,500 | 4,752 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0797% | 4,085 |
| Cost of funding earning assets | 1.1993% | 1,023 |
| Net interest margin | 2.8804% | 4,675 |
| Noninterest income to average assets | 0.1171% | 4,873 |
| Noninterest expense to average assets | 2.0979% | 4,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9943% | 2,867 |
| Return on assets (ROA) | 0.9943% | 2,951 |
| Pretax return on assets | 0.8199% | 3,931 |
| Return on Equity (ROE) | 3.4910% | 4,580 |
| Retained earnings to average equity (ytd only) | 3.4910% | 3,261 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9001% | 1,883 |
| Assets per employee ($millions) | 7.9012% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 56.6547% | 3,874 |
| Net loans and leases to deposits | 94.6385% | 1,095 |
| Net loans and leases to core deposits | 96.9169% | 1,821 |
| Total domestic deposits to total assets | 59.8643% | 5,089 |
| Equity capital to assets | 28.4893% | 84 |
| Core capital (leverage) ratio | 27.9040% | 85 |
| Tier 1 risk-based capital ratio | 66.2766% | 76 |
| Total risk-based capital ratio | 67.5309% | 75 |
| Memoranda: | ||
| Average total assets | $38,418,800 | 4,919 |
| Average earning assets | $37,355,400 | 4,871 |
| Average equity | $10,942,400 | 4,133 |
| Average total loans | $23,216,200 | 4,800 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0977% | 4,158 |
| Cost of funding earning assets | 1.1682% | 1,120 |
| Net interest margin | 2.9295% | 4,729 |
| Noninterest income to average assets | 0.1188% | 4,920 |
| Noninterest expense to average assets | 2.0586% | 4,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1289% | 2,458 |
| Return on assets (ROA) | 1.1289% | 2,550 |
| Pretax return on assets | 0.9087% | 3,849 |
| Return on Equity (ROE) | 3.9640% | 4,601 |
| Retained earnings to average equity (ytd only) | 3.9640% | 3,416 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3757% | 2,210 |
| Assets per employee ($millions) | 7.9074% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 2,640 |
| Loan loss allowance to noncurrent loans | 136.0000% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 2,503 |
| Noncurrent loans to loans | 0.8640% | 1,856 |
| Net loans and leases to total assets | 57.8623% | 3,893 |
| Net loans and leases to deposits | 97.4651% | 878 |
| Net loans and leases to core deposits | 99.8124% | 1,671 |
| Total domestic deposits to total assets | 59.3672% | 5,166 |
| Equity capital to assets | 28.3835% | 85 |
| Core capital (leverage) ratio | 28.0115% | 83 |
| Tier 1 risk-based capital ratio | 63.8514% | 82 |
| Total risk-based capital ratio | 65.1070% | 82 |
| Memoranda: | ||
| Average total assets | $38,147,000 | 4,997 |
| Average earning assets | $37,093,000 | 4,952 |
| Average equity | $10,864,250 | 4,178 |
| Average total loans | $23,356,750 | 4,868 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 4,057 |
| Cost of funding earning assets | 1.1239% | 1,217 |
| Net interest margin | 3.0225% | 4,646 |
| Noninterest income to average assets | 0.1327% | 4,910 |
| Noninterest expense to average assets | 2.1123% | 4,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2631% | 1,901 |
| Return on assets (ROA) | 1.2631% | 1,970 |
| Pretax return on assets | 0.9606% | 3,677 |
| Return on Equity (ROE) | 4.4300% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.4300% | 3,050 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7392% | 2,412 |
| Assets per employee ($millions) | 7.7610% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 2,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 59.8376% | 3,748 |
| Net loans and leases to deposits | 101.5926% | 570 |
| Net loans and leases to core deposits | 102.7161% | 1,497 |
| Total domestic deposits to total assets | 58.8996% | 5,219 |
| Equity capital to assets | 28.4087% | 80 |
| Core capital (leverage) ratio | 28.7281% | 76 |
| Tier 1 risk-based capital ratio | 63.7725% | 83 |
| Total risk-based capital ratio | 65.0246% | 83 |
| Memoranda: | ||
| Average total assets | $37,683,670 | 5,043 |
| Average earning assets | $36,658,330 | 4,997 |
| Average equity | $10,745,000 | 4,206 |
| Average total loans | $23,426,000 | 4,908 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 4,139 |
| Cost of funding earning assets | 1.0732% | 1,278 |
| Net interest margin | 3.0205% | 4,717 |
| Noninterest income to average assets | 0.1401% | 4,895 |
| Noninterest expense to average assets | 2.2304% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1314% | 2,345 |
| Return on assets (ROA) | 1.1314% | 2,394 |
| Pretax return on assets | 0.8512% | 3,916 |
| Return on Equity (ROE) | 3.9602% | 4,582 |
| Retained earnings to average equity (ytd only) | 3.9602% | 3,325 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3776% | 1,978 |
| Assets per employee ($millions) | 7.4576% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 2,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 62.3766% | 3,467 |
| Net loans and leases to deposits | 108.2620% | 264 |
| Net loans and leases to core deposits | 109.5572% | 958 |
| Total domestic deposits to total assets | 57.6164% | 5,293 |
| Equity capital to assets | 28.8136% | 76 |
| Core capital (leverage) ratio | 29.1118% | 75 |
| Tier 1 risk-based capital ratio | 63.3267% | 80 |
| Total risk-based capital ratio | 64.5821% | 79 |
| Memoranda: | ||
| Average total assets | $37,123,000 | 5,103 |
| Average earning assets | $36,152,500 | 5,056 |
| Average equity | $10,605,500 | 4,251 |
| Average total loans | $23,393,000 | 4,961 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 3,732 |
| Cost of funding earning assets | 1.0124% | 717 |
| Net interest margin | 3.0908% | 4,668 |
| Noninterest income to average assets | 0.1410% | 5,006 |
| Noninterest expense to average assets | 2.0759% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7964% | 3,817 |
| Return on assets (ROA) | 0.7964% | 3,822 |
| Pretax return on assets | 1.0784% | 3,355 |
| Return on Equity (ROE) | 2.9436% | 4,908 |
| Retained earnings to average equity (ytd only) | 2.9436% | 3,932 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8113% | 2,895 |
| Assets per employee ($millions) | 7.3916% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 2,726 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 4,510 |
| Noncurrent loans to loans | 0.1032% | 4,270 |
| Net loans and leases to total assets | 62.1868% | 3,544 |
| Net loans and leases to deposits | 103.8123% | 485 |
| Net loans and leases to core deposits | 105.0123% | 1,342 |
| Total domestic deposits to total assets | 59.9031% | 5,317 |
| Equity capital to assets | 28.3213% | 78 |
| Core capital (leverage) ratio | 27.8237% | 81 |
| Tier 1 risk-based capital ratio | 62.8535% | 84 |
| Total risk-based capital ratio | 64.1086% | 84 |
| Memoranda: | ||
| Average total assets | $38,296,800 | 5,126 |
| Average earning assets | $37,336,800 | 5,083 |
| Average equity | $10,361,600 | 4,255 |
| Average total loans | $22,873,400 | 5,005 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 3,995 |
| Cost of funding earning assets | 0.9987% | 599 |
| Net interest margin | 2.9783% | 4,876 |
| Noninterest income to average assets | 0.1415% | 5,067 |
| Noninterest expense to average assets | 1.9983% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8525% | 3,727 |
| Return on assets (ROA) | 0.8525% | 3,735 |
| Pretax return on assets | 1.0458% | 3,587 |
| Return on Equity (ROE) | 3.1865% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.1865% | 4,152 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6463% | 2,932 |
| Assets per employee ($millions) | 7.6536% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 2,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 59.7627% | 3,868 |
| Net loans and leases to deposits | 97.8605% | 958 |
| Net loans and leases to core deposits | 98.9272% | 1,873 |
| Total domestic deposits to total assets | 61.0693% | 5,384 |
| Equity capital to assets | 27.0722% | 92 |
| Core capital (leverage) ratio | 26.7673% | 89 |
| Tier 1 risk-based capital ratio | 61.4654% | 85 |
| Total risk-based capital ratio | 62.7173% | 82 |
| Memoranda: | ||
| Average total assets | $38,631,500 | 5,184 |
| Average earning assets | $37,649,250 | 5,145 |
| Average equity | $10,335,250 | 4,303 |
| Average total loans | $22,778,000 | 5,070 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,870 |
| Cost of funding earning assets | 0.9863% | 493 |
| Net interest margin | 2.9855% | 4,897 |
| Noninterest income to average assets | 0.1393% | 5,120 |
| Noninterest expense to average assets | 2.0024% | 4,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8412% | 3,713 |
| Return on assets (ROA) | 0.8412% | 3,712 |
| Pretax return on assets | 1.0425% | 3,537 |
| Return on Equity (ROE) | 3.1568% | 4,993 |
| Retained earnings to average equity (ytd only) | 3.1568% | 3,987 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7627% | 3,021 |
| Assets per employee ($millions) | 7.8700% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 57.1842% | 4,070 |
| Net loans and leases to deposits | 92.2667% | 1,555 |
| Net loans and leases to core deposits | 93.2262% | 2,289 |
| Total domestic deposits to total assets | 61.9771% | 5,436 |
| Equity capital to assets | 26.2211% | 98 |
| Core capital (leverage) ratio | 26.2304% | 95 |
| Tier 1 risk-based capital ratio | 59.4835% | 91 |
| Total risk-based capital ratio | 60.7402% | 91 |
| Memoranda: | ||
| Average total assets | $38,752,670 | 5,239 |
| Average earning assets | $37,715,670 | 5,202 |
| Average equity | $10,327,000 | 4,337 |
| Average total loans | $22,656,670 | 5,134 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 4,143 |
| Cost of funding earning assets | 0.9860% | 393 |
| Net interest margin | 2.8400% | 5,114 |
| Noninterest income to average assets | 0.1456% | 5,139 |
| Noninterest expense to average assets | 2.1428% | 4,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7698% | 3,832 |
| Return on assets (ROA) | 0.7698% | 3,831 |
| Pretax return on assets | 0.7593% | 4,263 |
| Return on Equity (ROE) | 2.8650% | 5,051 |
| Retained earnings to average equity (ytd only) | 2.8650% | 4,051 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8351% | 1,917 |
| Assets per employee ($millions) | 7.9178% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 56.7051% | 4,057 |
| Net loans and leases to deposits | 91.9966% | 1,451 |
| Net loans and leases to core deposits | 92.9488% | 2,217 |
| Total domestic deposits to total assets | 61.6383% | 5,511 |
| Equity capital to assets | 26.0098% | 93 |
| Core capital (leverage) ratio | 26.5011% | 92 |
| Tier 1 risk-based capital ratio | 59.2122% | 91 |
| Total risk-based capital ratio | 60.4658% | 90 |
| Memoranda: | ||
| Average total assets | $38,454,000 | 5,299 |
| Average earning assets | $37,324,000 | 5,264 |
| Average equity | $10,331,500 | 4,377 |
| Average total loans | $22,598,000 | 5,192 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8828% | 3,780 |
| Cost of funding earning assets | 0.9176% | 342 |
| Net interest margin | 2.9652% | 4,957 |
| Noninterest income to average assets | 0.1212% | 5,337 |
| Noninterest expense to average assets | 2.0400% | 4,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6062% | 3,984 |
| Return on assets (ROA) | 0.6062% | 4,020 |
| Pretax return on assets | 0.9515% | 3,728 |
| Return on Equity (ROE) | 2.2375% | 5,012 |
| Retained earnings to average equity (ytd only) | 2.2375% | 3,980 |
| Net charge-offs to loans | 0.0636% | 2,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 25.7857% | 1,700 |
| Efficiency ratio | 68.1938% | 2,852 |
| Assets per employee ($millions) | 9.3298% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 59.4952% | 3,880 |
| Net loans and leases to deposits | 97.1132% | 985 |
| Net loans and leases to core deposits | 97.1132% | 1,932 |
| Total domestic deposits to total assets | 61.2637% | 5,575 |
| Equity capital to assets | 27.7767% | 76 |
| Core capital (leverage) ratio | 27.4545% | 79 |
| Tier 1 risk-based capital ratio | 60.7229% | 83 |
| Total risk-based capital ratio | 61.9765% | 82 |
| Memoranda: | ||
| Average total assets | $37,941,200 | 5,361 |
| Average earning assets | $36,726,200 | 5,323 |
| Average equity | $10,279,400 | 4,408 |
| Average total loans | $22,026,000 | 5,255 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 3,731 |
| Cost of funding earning assets | 0.9111% | 321 |
| Net interest margin | 2.9719% | 4,982 |
| Noninterest income to average assets | 0.1155% | 5,419 |
| Noninterest expense to average assets | 2.0089% | 4,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7034% | 3,960 |
| Return on assets (ROA) | 0.7034% | 4,027 |
| Pretax return on assets | 0.9834% | 3,751 |
| Return on Equity (ROE) | 2.6126% | 5,196 |
| Retained earnings to average equity (ytd only) | 2.6126% | 4,322 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1345% | 3,029 |
| Assets per employee ($millions) | 9.5340% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 56.8046% | 4,168 |
| Net loans and leases to deposits | 92.4032% | 1,510 |
| Net loans and leases to core deposits | 92.4032% | 2,401 |
| Total domestic deposits to total assets | 61.4747% | 5,645 |
| Equity capital to assets | 27.1764% | 79 |
| Core capital (leverage) ratio | 26.7894% | 83 |
| Tier 1 risk-based capital ratio | 61.3654% | 80 |
| Total risk-based capital ratio | 62.6206% | 80 |
| Memoranda: | ||
| Average total assets | $38,096,750 | 5,418 |
| Average earning assets | $36,877,750 | 5,377 |
| Average equity | $10,257,750 | 4,450 |
| Average total loans | $21,913,750 | 5,312 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8565% | 3,699 |
| Cost of funding earning assets | 0.9004% | 302 |
| Net interest margin | 2.9561% | 4,992 |
| Noninterest income to average assets | 0.1103% | 5,479 |
| Noninterest expense to average assets | 2.0219% | 4,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6092% | 4,263 |
| Return on assets (ROA) | 0.6092% | 4,305 |
| Pretax return on assets | 0.9505% | 3,760 |
| Return on Equity (ROE) | 2.2695% | 5,290 |
| Retained earnings to average equity (ytd only) | 2.2695% | 4,320 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0212% | 3,009 |
| Assets per employee ($millions) | 7.7588% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 2,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 55.3513% | 4,283 |
| Net loans and leases to deposits | 89.0146% | 1,862 |
| Net loans and leases to core deposits | 89.0146% | 2,615 |
| Total domestic deposits to total assets | 62.1823% | 5,683 |
| Equity capital to assets | 26.5067% | 83 |
| Core capital (leverage) ratio | 26.6876% | 82 |
| Tier 1 risk-based capital ratio | 61.6265% | 79 |
| Total risk-based capital ratio | 62.8791% | 79 |
| Memoranda: | ||
| Average total assets | $38,083,670 | 5,461 |
| Average earning assets | $36,873,000 | 5,421 |
| Average equity | $10,222,330 | 4,479 |
| Average total loans | $21,902,000 | 5,355 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9024% | 3,392 |
| Cost of funding earning assets | 0.8770% | 321 |
| Net interest margin | 3.0255% | 4,839 |
| Noninterest income to average assets | 0.1060% | 5,568 |
| Noninterest expense to average assets | 2.0356% | 4,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5195% | 4,519 |
| Return on assets (ROA) | 0.5195% | 4,551 |
| Pretax return on assets | 0.9966% | 3,385 |
| Return on Equity (ROE) | 1.9231% | 5,349 |
| Retained earnings to average equity (ytd only) | 1.9231% | 4,357 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1329% | 3,322 |
| Assets per employee ($millions) | 7.6646% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 57.0832% | 4,054 |
| Net loans and leases to deposits | 93.4632% | 1,168 |
| Net loans and leases to core deposits | 93.4632% | 2,026 |
| Total domestic deposits to total assets | 61.0756% | 5,764 |
| Equity capital to assets | 26.6446% | 84 |
| Core capital (leverage) ratio | 27.0047% | 78 |
| Tier 1 risk-based capital ratio | 60.3915% | 82 |
| Total risk-based capital ratio | 61.6454% | 82 |
| Memoranda: | ||
| Average total assets | $37,728,500 | 5,530 |
| Average earning assets | $36,490,000 | 5,488 |
| Average equity | $10,192,000 | 4,512 |
| Average total loans | $21,973,500 | 5,407 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 3,118 |
| Cost of funding earning assets | 0.8552% | 376 |
| Net interest margin | 3.1672% | 4,545 |
| Noninterest income to average assets | 0.1096% | 5,617 |
| Noninterest expense to average assets | 1.2794% | 5,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2740% | 1,288 |
| Return on assets (ROA) | 1.2740% | 1,361 |
| Pretax return on assets | 1.8740% | 659 |
| Return on Equity (ROE) | 4.5955% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.5955% | 2,643 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5734% | 5,773 |
| Assets per employee ($millions) | 7.4268% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 2,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 57.8957% | 4,075 |
| Net loans and leases to deposits | 92.4808% | 1,374 |
| Net loans and leases to core deposits | 93.5797% | 2,144 |
| Total domestic deposits to total assets | 62.6030% | 5,800 |
| Equity capital to assets | 27.3954% | 74 |
| Core capital (leverage) ratio | 27.2348% | 78 |
| Tier 1 risk-based capital ratio | 61.1468% | 78 |
| Total risk-based capital ratio | 62.4031% | 78 |
| Memoranda: | ||
| Average total assets | $36,500,400 | 5,609 |
| Average earning assets | $35,078,400 | 5,564 |
| Average equity | $10,118,600 | 4,550 |
| Average total loans | $20,602,200 | 5,501 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 2,938 |
| Cost of funding earning assets | 0.8451% | 394 |
| Net interest margin | 3.2388% | 4,377 |
| Noninterest income to average assets | 0.1137% | 5,666 |
| Noninterest expense to average assets | 0.9355% | 5,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8564% | 442 |
| Return on assets (ROA) | 1.8564% | 461 |
| Pretax return on assets | 2.2856% | 329 |
| Return on Equity (ROE) | 6.6764% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.6764% | 1,796 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.0433% | 5,940 |
| Assets per employee ($millions) | 7.5156% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 2,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 54.9923% | 4,404 |
| Net loans and leases to deposits | 89.2772% | 1,845 |
| Net loans and leases to core deposits | 90.3388% | 2,545 |
| Total domestic deposits to total assets | 61.5972% | 5,877 |
| Equity capital to assets | 27.6891% | 70 |
| Core capital (leverage) ratio | 27.7378% | 69 |
| Tier 1 risk-based capital ratio | 62.9766% | 75 |
| Total risk-based capital ratio | 64.2295% | 75 |
| Memoranda: | ||
| Average total assets | $36,342,000 | 5,667 |
| Average earning assets | $34,868,500 | 5,629 |
| Average equity | $10,105,000 | 4,599 |
| Average total loans | $20,306,500 | 5,567 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 2,702 |
| Cost of funding earning assets | 0.8287% | 417 |
| Net interest margin | 3.3149% | 4,177 |
| Noninterest income to average assets | 0.1169% | 5,715 |
| Noninterest expense to average assets | 0.3062% | 6,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.4269% | 165 |
| Return on assets (ROA) | 2.4269% | 168 |
| Pretax return on assets | 2.9947% | 122 |
| Return on Equity (ROE) | 8.7156% | 2,629 |
| Retained earnings to average equity (ytd only) | 8.7156% | 933 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.2749% | 6,053 |
| Assets per employee ($millions) | 9.2923% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 2,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 54.0181% | 4,510 |
| Net loans and leases to deposits | 88.3909% | 1,935 |
| Net loans and leases to core deposits | 89.4622% | 2,589 |
| Total domestic deposits to total assets | 61.1128% | 5,961 |
| Equity capital to assets | 27.8189% | 68 |
| Core capital (leverage) ratio | 28.7646% | 62 |
| Tier 1 risk-based capital ratio | 62.9797% | 84 |
| Total risk-based capital ratio | 64.2344% | 84 |
| Memoranda: | ||
| Average total assets | $35,930,000 | 5,744 |
| Average earning assets | $34,511,330 | 5,697 |
| Average equity | $10,005,000 | 4,640 |
| Average total loans | $20,091,670 | 5,632 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0014% | 3,216 |
| Cost of funding earning assets | 0.8356% | 412 |
| Net interest margin | 3.1658% | 4,687 |
| Noninterest income to average assets | 0.1133% | 5,779 |
| Noninterest expense to average assets | 2.0164% | 5,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2574% | 1,388 |
| Return on assets (ROA) | 1.2574% | 1,480 |
| Pretax return on assets | 1.1441% | 2,918 |
| Return on Equity (ROE) | 4.5133% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.5133% | 3,228 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7993% | 4,156 |
| Assets per employee ($millions) | 8.8525% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 2,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 55.6509% | 4,298 |
| Net loans and leases to deposits | 88.4709% | 1,770 |
| Net loans and leases to core deposits | 89.5605% | 2,412 |
| Total domestic deposits to total assets | 62.9031% | 6,014 |
| Equity capital to assets | 28.0881% | 66 |
| Core capital (leverage) ratio | 28.1207% | 68 |
| Tier 1 risk-based capital ratio | 63.5568% | 80 |
| Total risk-based capital ratio | 64.8156% | 80 |
| Memoranda: | ||
| Average total assets | $35,310,500 | 5,815 |
| Average earning assets | $33,988,000 | 5,759 |
| Average equity | $9,837,500 | 4,693 |
| Average total loans | $19,955,500 | 5,683 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 3,037 |
| Cost of funding earning assets | 0.7704% | 576 |
| Net interest margin | 3.2977% | 4,298 |
| Noninterest income to average assets | 0.1116% | 5,840 |
| Noninterest expense to average assets | 2.8535% | 3,018 |
| Loan and lease loss provision to assets | 0.0143% | 4,120 |
| Net operating income to assets | 0.3950% | 5,072 |
| Return on assets (ROA) | 0.3950% | 5,149 |
| Pretax return on assets | 0.4293% | 5,263 |
| Return on Equity (ROE) | 1.4325% | 5,695 |
| Retained earnings to average equity (ytd only) | 1.4325% | 4,910 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5451% | 960 |
| Assets per employee ($millions) | 8.8028% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 2,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 55.7581% | 4,314 |
| Net loans and leases to deposits | 88.4290% | 1,820 |
| Net loans and leases to core deposits | 88.4290% | 2,563 |
| Total domestic deposits to total assets | 63.0542% | 6,059 |
| Equity capital to assets | 27.6306% | 70 |
| Core capital (leverage) ratio | 28.6299% | 63 |
| Tier 1 risk-based capital ratio | 63.3398% | 80 |
| Total risk-based capital ratio | 64.5964% | 80 |
| Memoranda: | ||
| Average total assets | $34,939,800 | 5,872 |
| Average earning assets | $33,750,600 | 5,819 |
| Average equity | $9,633,200 | 4,722 |
| Average total loans | $19,529,400 | 5,740 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0309% | 3,204 |
| Cost of funding earning assets | 0.7674% | 601 |
| Net interest margin | 3.2635% | 4,478 |
| Noninterest income to average assets | 0.1109% | 5,911 |
| Noninterest expense to average assets | 2.8140% | 3,131 |
| Loan and lease loss provision to assets | 0.0191% | 3,893 |
| Net operating income to assets | 0.3556% | 5,300 |
| Return on assets (ROA) | 0.3556% | 5,389 |
| Pretax return on assets | 0.4321% | 5,392 |
| Return on Equity (ROE) | 1.2904% | 5,816 |
| Retained earnings to average equity (ytd only) | 1.2904% | 5,202 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1827% | 991 |
| Assets per employee ($millions) | 8.6298% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 2,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 55.1088% | 4,454 |
| Net loans and leases to deposits | 83.2662% | 2,494 |
| Net loans and leases to core deposits | 83.2662% | 3,125 |
| Total domestic deposits to total assets | 66.1838% | 6,089 |
| Equity capital to assets | 28.0860% | 71 |
| Core capital (leverage) ratio | 28.2365% | 66 |
| Tier 1 risk-based capital ratio | 63.4947% | 85 |
| Total risk-based capital ratio | 64.7521% | 84 |
| Memoranda: | ||
| Average total assets | $34,872,000 | 5,950 |
| Average earning assets | $33,705,500 | 5,896 |
| Average equity | $9,609,250 | 4,786 |
| Average total loans | $19,432,000 | 5,816 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 2,775 |
| Cost of funding earning assets | 0.7621% | 605 |
| Net interest margin | 3.3731% | 3,996 |
| Noninterest income to average assets | 0.1086% | 5,995 |
| Noninterest expense to average assets | 2.8637% | 3,019 |
| Loan and lease loss provision to assets | 0.0286% | 3,553 |
| Net operating income to assets | 0.3487% | 5,303 |
| Return on assets (ROA) | 0.3487% | 5,408 |
| Pretax return on assets | 0.4801% | 5,277 |
| Return on Equity (ROE) | 1.2734% | 5,842 |
| Retained earnings to average equity (ytd only) | 1.2734% | 5,044 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9153% | 1,161 |
| Assets per employee ($millions) | 8.6533% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 2,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 55.1816% | 4,430 |
| Net loans and leases to deposits | 82.9966% | 2,436 |
| Net loans and leases to core deposits | 82.9966% | 3,083 |
| Total domestic deposits to total assets | 66.4866% | 6,158 |
| Equity capital to assets | 27.7757% | 69 |
| Core capital (leverage) ratio | 27.7308% | 73 |
| Tier 1 risk-based capital ratio | 64.9156% | 89 |
| Total risk-based capital ratio | 66.1715% | 87 |
| Memoranda: | ||
| Average total assets | $34,989,670 | 6,014 |
| Average earning assets | $33,855,670 | 5,959 |
| Average equity | $9,580,670 | 4,824 |
| Average total loans | $19,473,000 | 5,871 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0293% | 3,129 |
| Cost of funding earning assets | 0.7636% | 608 |
| Net interest margin | 3.2657% | 4,363 |
| Noninterest income to average assets | 0.1137% | 6,026 |
| Noninterest expense to average assets | 2.9450% | 2,759 |
| Loan and lease loss provision to assets | 0.0569% | 2,793 |
| Net operating income to assets | 0.2502% | 5,566 |
| Return on assets (ROA) | 0.2502% | 5,655 |
| Pretax return on assets | 0.2729% | 5,708 |
| Return on Equity (ROE) | 0.9201% | 5,924 |
| Retained earnings to average equity (ytd only) | 0.9201% | 5,096 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9306% | 851 |
| Assets per employee ($millions) | 8.7418% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 2,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 54.5486% | 4,366 |
| Net loans and leases to deposits | 81.2524% | 2,420 |
| Net loans and leases to core deposits | 81.2524% | 3,028 |
| Total domestic deposits to total assets | 67.1347% | 6,221 |
| Equity capital to assets | 27.3830% | 74 |
| Core capital (leverage) ratio | 27.2365% | 74 |
| Tier 1 risk-based capital ratio | 64.5520% | 95 |
| Total risk-based capital ratio | 65.8060% | 93 |
| Memoranda: | ||
| Average total assets | $35,178,000 | 6,074 |
| Average earning assets | $34,050,500 | 6,011 |
| Average equity | $9,564,000 | 4,870 |
| Average total loans | $19,516,500 | 5,919 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 4,056 |
| Cost of funding earning assets | 0.7764% | 737 |
| Net interest margin | 3.1433% | 5,085 |
| Noninterest income to average assets | 0.1145% | 6,106 |
| Noninterest expense to average assets | 2.3790% | 4,897 |
| Loan and lease loss provision to assets | 0.0838% | 2,806 |
| Net operating income to assets | 0.4831% | 4,878 |
| Return on assets (ROA) | 0.4831% | 4,968 |
| Pretax return on assets | 0.6925% | 4,653 |
| Return on Equity (ROE) | 1.8240% | 5,812 |
| Retained earnings to average equity (ytd only) | 1.8240% | 4,896 |
| Net charge-offs to loans | 0.0673% | 3,516 |
| Credit loss provision to net charge-offs | 230.7692% | 1,090 |
| Earnings coverage of net charge-offs (x) | 21.3846% | 1,680 |
| Efficiency ratio | 75.3982% | 2,615 |
| Assets per employee ($millions) | 8.8473% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 2,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 54.7967% | 4,474 |
| Net loans and leases to deposits | 81.2741% | 2,569 |
| Net loans and leases to core deposits | 81.2741% | 3,171 |
| Total domestic deposits to total assets | 67.4221% | 6,285 |
| Equity capital to assets | 26.9943% | 81 |
| Core capital (leverage) ratio | 26.9943% | 77 |
| Tier 1 risk-based capital ratio | 63.6230% | 81 |
| Total risk-based capital ratio | 64.8818% | 81 |
| Memoranda: | ||
| Average total assets | $35,814,000 | 6,136 |
| Average earning assets | $34,645,000 | 6,074 |
| Average equity | $9,484,400 | 4,866 |
| Average total loans | $19,303,000 | 5,989 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 4,216 |
| Cost of funding earning assets | 0.7751% | 781 |
| Net interest margin | 3.1120% | 5,219 |
| Noninterest income to average assets | 0.1151% | 6,186 |
| Noninterest expense to average assets | 2.1417% | 5,481 |
| Loan and lease loss provision to assets | 0.0854% | 2,649 |
| Net operating income to assets | 0.6347% | 4,284 |
| Return on assets (ROA) | 0.6347% | 4,388 |
| Pretax return on assets | 0.8982% | 3,995 |
| Return on Equity (ROE) | 2.4082% | 5,737 |
| Retained earnings to average equity (ytd only) | 2.4082% | 4,853 |
| Net charge-offs to loans | 0.0902% | 2,924 |
| Credit loss provision to net charge-offs | 176.9231% | 1,410 |
| Earnings coverage of net charge-offs (x) | 20.3878% | 1,739 |
| Efficiency ratio | 68.5273% | 3,759 |
| Assets per employee ($millions) | 8.8795% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 3,158 |
| Loan loss allowance to noncurrent loans | 1,826.6667% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 5,998 |
| Noncurrent loans to loans | 0.0768% | 5,716 |
| Net loans and leases to total assets | 54.2232% | 4,552 |
| Net loans and leases to deposits | 80.8726% | 2,568 |
| Net loans and leases to core deposits | 80.8726% | 3,210 |
| Total domestic deposits to total assets | 67.0477% | 6,378 |
| Equity capital to assets | 26.8906% | 79 |
| Core capital (leverage) ratio | 26.8906% | 73 |
| Tier 1 risk-based capital ratio | 63.5124% | 84 |
| Total risk-based capital ratio | 64.7693% | 84 |
| Memoranda: | ||
| Average total assets | $35,920,250 | 6,206 |
| Average earning assets | $34,746,250 | 6,143 |
| Average equity | $9,467,250 | 4,907 |
| Average total loans | $19,210,500 | 6,058 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 4,093 |
| Cost of funding earning assets | 0.7744% | 811 |
| Net interest margin | 3.1379% | 5,130 |
| Noninterest income to average assets | 0.1109% | 6,237 |
| Noninterest expense to average assets | 2.1800% | 5,463 |
| Loan and lease loss provision to assets | 0.0832% | 2,641 |
| Net operating income to assets | 0.6546% | 4,073 |
| Return on assets (ROA) | 0.6546% | 4,169 |
| Pretax return on assets | 0.8820% | 3,955 |
| Return on Equity (ROE) | 2.5002% | 5,695 |
| Retained earnings to average equity (ytd only) | 2.5002% | 4,614 |
| Net charge-offs to loans | 0.1361% | 2,307 |
| Credit loss provision to net charge-offs | 115.3846% | 1,755 |
| Earnings coverage of net charge-offs (x) | 13.3846% | 1,979 |
| Efficiency ratio | 69.3122% | 3,777 |
| Assets per employee ($millions) | 9.0220% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 3,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 52.3803% | 4,707 |
| Net loans and leases to deposits | 77.5444% | 2,858 |
| Net loans and leases to core deposits | 78.3512% | 3,398 |
| Total domestic deposits to total assets | 67.5488% | 6,437 |
| Equity capital to assets | 26.3190% | 79 |
| Core capital (leverage) ratio | 26.3190% | 78 |
| Tier 1 risk-based capital ratio | 62.7096% | 84 |
| Total risk-based capital ratio | 63.9641% | 83 |
| Memoranda: | ||
| Average total assets | $36,054,330 | 6,262 |
| Average earning assets | $34,863,670 | 6,196 |
| Average equity | $9,439,330 | 4,922 |
| Average total loans | $19,103,000 | 6,112 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 4,069 |
| Cost of funding earning assets | 0.7694% | 885 |
| Net interest margin | 3.1352% | 5,133 |
| Noninterest income to average assets | 0.1110% | 6,297 |
| Noninterest expense to average assets | 2.1755% | 5,524 |
| Loan and lease loss provision to assets | 0.0888% | 2,434 |
| Net operating income to assets | 0.6660% | 3,864 |
| Return on assets (ROA) | 0.6660% | 3,953 |
| Pretax return on assets | 0.8769% | 3,802 |
| Return on Equity (ROE) | 2.5505% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.5505% | 4,535 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2580% | 3,956 |
| Assets per employee ($millions) | 9.0345% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 3,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 52.2884% | 4,639 |
| Net loans and leases to deposits | 77.1895% | 2,662 |
| Net loans and leases to core deposits | 77.9892% | 3,205 |
| Total domestic deposits to total assets | 67.7403% | 6,524 |
| Equity capital to assets | 26.1221% | 85 |
| Core capital (leverage) ratio | 26.1221% | 83 |
| Tier 1 risk-based capital ratio | 62.1789% | 86 |
| Total risk-based capital ratio | 63.4370% | 86 |
| Memoranda: | ||
| Average total assets | $36,037,500 | 6,327 |
| Average earning assets | $34,830,500 | 6,260 |
| Average equity | $9,410,000 | 4,958 |
| Average total loans | $19,070,000 | 6,178 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8123% | 4,772 |
| Cost of funding earning assets | 0.7492% | 1,500 |
| Net interest margin | 3.0632% | 5,427 |
| Noninterest income to average assets | 0.1481% | 6,204 |
| Noninterest expense to average assets | 2.4257% | 5,004 |
| Loan and lease loss provision to assets | 0.0838% | 3,442 |
| Net operating income to assets | 0.4360% | 5,008 |
| Return on assets (ROA) | 0.4360% | 5,135 |
| Pretax return on assets | 0.5980% | 4,879 |
| Return on Equity (ROE) | 1.6760% | 5,937 |
| Retained earnings to average equity (ytd only) | 1.6760% | 5,035 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0576% | 2,459 |
| Assets per employee ($millions) | 8.9843% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 3,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 52.0578% | 4,841 |
| Net loans and leases to deposits | 77.1432% | 2,837 |
| Net loans and leases to core deposits | 77.9468% | 3,370 |
| Total domestic deposits to total assets | 67.4820% | 6,600 |
| Equity capital to assets | 26.1012% | 84 |
| Core capital (leverage) ratio | 26.1012% | 79 |
| Tier 1 risk-based capital ratio | 61.7715% | 84 |
| Total risk-based capital ratio | 63.0293% | 83 |
| Memoranda: | ||
| Average total assets | $35,783,400 | 6,398 |
| Average earning assets | $34,572,200 | 6,333 |
| Average equity | $9,308,000 | 5,015 |
| Average total loans | $19,674,200 | 6,219 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 4,786 |
| Cost of funding earning assets | 0.7526% | 1,585 |
| Net interest margin | 3.0646% | 5,417 |
| Noninterest income to average assets | 0.1492% | 6,286 |
| Noninterest expense to average assets | 2.4245% | 4,943 |
| Loan and lease loss provision to assets | 0.0821% | 3,424 |
| Net operating income to assets | 0.4737% | 4,916 |
| Return on assets (ROA) | 0.4737% | 5,068 |
| Pretax return on assets | 0.6043% | 4,995 |
| Return on Equity (ROE) | 1.8227% | 5,995 |
| Retained earnings to average equity (ytd only) | 1.8227% | 5,226 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9376% | 2,434 |
| Assets per employee ($millions) | 8.9328% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 4,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 54.0035% | 4,614 |
| Net loans and leases to deposits | 77.1007% | 2,811 |
| Net loans and leases to core deposits | 79.7026% | 3,153 |
| Total domestic deposits to total assets | 70.0428% | 6,594 |
| Equity capital to assets | 26.1706% | 80 |
| Core capital (leverage) ratio | 26.1706% | 76 |
| Tier 1 risk-based capital ratio | 60.4695% | 88 |
| Total risk-based capital ratio | 61.7240% | 88 |
| Memoranda: | ||
| Average total assets | $35,745,000 | 6,468 |
| Average earning assets | $34,544,500 | 6,404 |
| Average equity | $9,290,000 | 5,073 |
| Average total loans | $19,849,750 | 6,278 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 4,634 |
| Cost of funding earning assets | 0.7526% | 1,691 |
| Net interest margin | 3.1031% | 5,267 |
| Noninterest income to average assets | 0.1678% | 6,212 |
| Noninterest expense to average assets | 2.4616% | 4,866 |
| Loan and lease loss provision to assets | 0.0839% | 3,400 |
| Net operating income to assets | 0.4755% | 4,899 |
| Return on assets (ROA) | 0.4755% | 5,083 |
| Pretax return on assets | 0.6210% | 4,943 |
| Return on Equity (ROE) | 1.8339% | 6,007 |
| Retained earnings to average equity (ytd only) | 1.8339% | 5,100 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7385% | 2,505 |
| Assets per employee ($millions) | 7.0668% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 4,707 |
| Loan loss allowance to noncurrent loans | 1,660.0000% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 6,379 |
| Noncurrent loans to loans | 0.0758% | 6,167 |
| Net loans and leases to total assets | 55.3122% | 4,397 |
| Net loans and leases to deposits | 79.5280% | 2,401 |
| Net loans and leases to core deposits | 81.3994% | 2,870 |
| Total domestic deposits to total assets | 69.5506% | 6,673 |
| Equity capital to assets | 26.3457% | 78 |
| Core capital (leverage) ratio | 26.3457% | 73 |
| Tier 1 risk-based capital ratio | 60.2485% | 88 |
| Total risk-based capital ratio | 61.5041% | 88 |
| Memoranda: | ||
| Average total assets | $35,749,670 | 6,514 |
| Average earning assets | $34,546,330 | 6,446 |
| Average equity | $9,269,670 | 5,111 |
| Average total loans | $19,949,000 | 6,306 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 4,543 |
| Cost of funding earning assets | 0.7602% | 1,777 |
| Net interest margin | 3.1214% | 5,188 |
| Noninterest income to average assets | 0.2114% | 5,973 |
| Noninterest expense to average assets | 2.4585% | 4,919 |
| Loan and lease loss provision to assets | 0.0779% | 3,337 |
| Net operating income to assets | 0.5785% | 4,320 |
| Return on assets (ROA) | 0.5785% | 4,471 |
| Pretax return on assets | 0.6897% | 4,622 |
| Return on Equity (ROE) | 2.2486% | 5,859 |
| Retained earnings to average equity (ytd only) | 2.2486% | 4,888 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2069% | 2,891 |
| Assets per employee ($millions) | 7.2104% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 5,163 |
| Loan loss allowance to noncurrent loans | 1,417.6471% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 6,463 |
| Noncurrent loans to loans | 0.0849% | 6,228 |
| Net loans and leases to total assets | 54.8624% | 4,264 |
| Net loans and leases to deposits | 78.0945% | 2,326 |
| Net loans and leases to core deposits | 81.6201% | 2,625 |
| Total domestic deposits to total assets | 70.2513% | 6,753 |
| Equity capital to assets | 25.7295% | 87 |
| Core capital (leverage) ratio | 25.7295% | 83 |
| Tier 1 risk-based capital ratio | 57.6042% | 99 |
| Total risk-based capital ratio | 58.8586% | 98 |
| Memoranda: | ||
| Average total assets | $35,957,500 | 6,572 |
| Average earning assets | $34,728,500 | 6,501 |
| Average equity | $9,250,000 | 5,172 |
| Average total loans | $20,027,000 | 6,355 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 4,148 |
| Cost of funding earning assets | 0.8865% | 2,016 |
| Net interest margin | 3.4253% | 4,797 |
| Noninterest income to average assets | 0.1191% | 6,438 |
| Noninterest expense to average assets | 2.3678% | 5,501 |
| Loan and lease loss provision to assets | 0.1701% | 3,491 |
| Net operating income to assets | 0.5898% | 4,284 |
| Return on assets (ROA) | 0.5898% | 4,547 |
| Pretax return on assets | 0.8791% | 3,992 |
| Return on Equity (ROE) | 2.2779% | 5,825 |
| Retained earnings to average equity (ytd only) | 2.2779% | 4,633 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2946% | 3,928 |
| Assets per employee ($millions) | 7.1726% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 5,271 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 6,179 |
| Noncurrent loans to loans | 0.0898% | 6,262 |
| Net loans and leases to total assets | 55.2101% | 4,422 |
| Net loans and leases to deposits | 79.1082% | 2,391 |
| Net loans and leases to core deposits | 82.7171% | 2,694 |
| Total domestic deposits to total assets | 69.7906% | 6,793 |
| Equity capital to assets | 25.7201% | 88 |
| Core capital (leverage) ratio | 25.7201% | 89 |
| Tier 1 risk-based capital ratio | 56.0900% | 112 |
| Total risk-based capital ratio | 57.3427% | 110 |
| Memoranda: | ||
| Average total assets | $35,264,400 | 6,622 |
| Average earning assets | $33,953,400 | 6,553 |
| Average equity | $9,131,400 | 5,191 |
| Average total loans | $20,004,800 | 6,424 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 3,994 |
| Cost of funding earning assets | 0.9269% | 2,002 |
| Net interest margin | 3.4867% | 4,695 |
| Noninterest income to average assets | 0.1329% | 6,473 |
| Noninterest expense to average assets | 2.3921% | 5,422 |
| Loan and lease loss provision to assets | 0.1747% | 3,388 |
| Net operating income to assets | 0.6531% | 4,126 |
| Return on assets (ROA) | 0.6531% | 4,393 |
| Pretax return on assets | 0.9227% | 4,019 |
| Return on Equity (ROE) | 2.5178% | 5,874 |
| Retained earnings to average equity (ytd only) | 2.5178% | 5,060 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5528% | 3,950 |
| Assets per employee ($millions) | 7.1742% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 5,446 |
| Loan loss allowance to noncurrent loans | 290.0000% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 5,873 |
| Noncurrent loans to loans | 0.4024% | 5,649 |
| Net loans and leases to total assets | 54.7768% | 4,625 |
| Net loans and leases to deposits | 78.5897% | 2,583 |
| Net loans and leases to core deposits | 82.1721% | 2,944 |
| Total domestic deposits to total assets | 69.6998% | 6,859 |
| Equity capital to assets | 25.6140% | 102 |
| Core capital (leverage) ratio | 25.6140% | 93 |
| Tier 1 risk-based capital ratio | 55.7829% | 108 |
| Total risk-based capital ratio | 57.0336% | 107 |
| Memoranda: | ||
| Average total assets | $35,114,750 | 6,714 |
| Average earning assets | $33,804,000 | 6,645 |
| Average equity | $9,108,250 | 5,239 |
| Average total loans | $19,997,500 | 6,512 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 3,543 |
| Cost of funding earning assets | 0.9421% | 2,104 |
| Net interest margin | 3.6135% | 4,205 |
| Noninterest income to average assets | 0.1319% | 6,526 |
| Noninterest expense to average assets | 2.4439% | 5,317 |
| Loan and lease loss provision to assets | 0.1778% | 3,316 |
| Net operating income to assets | 0.7802% | 3,466 |
| Return on assets (ROA) | 0.7802% | 3,735 |
| Pretax return on assets | 0.9867% | 3,757 |
| Return on Equity (ROE) | 2.9950% | 5,695 |
| Retained earnings to average equity (ytd only) | 2.9950% | 4,649 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7266% | 4,184 |
| Assets per employee ($millions) | 8.5893% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 5,822 |
| Loan loss allowance to noncurrent loans | 1,085.0000% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 6,378 |
| Noncurrent loans to loans | 0.1004% | 6,414 |
| Net loans and leases to total assets | 57.3217% | 4,277 |
| Net loans and leases to deposits | 80.1123% | 2,365 |
| Net loans and leases to core deposits | 83.8221% | 2,713 |
| Total domestic deposits to total assets | 71.5516% | 6,825 |
| Equity capital to assets | 26.6379% | 84 |
| Core capital (leverage) ratio | 26.6379% | 79 |
| Tier 1 risk-based capital ratio | 56.3339% | 107 |
| Total risk-based capital ratio | 57.5834% | 106 |
| Memoranda: | ||
| Average total assets | $34,862,670 | 6,768 |
| Average earning assets | $33,541,000 | 6,700 |
| Average equity | $9,081,670 | 5,244 |
| Average total loans | $20,036,330 | 6,563 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 3,417 |
| Cost of funding earning assets | 0.9831% | 2,085 |
| Net interest margin | 3.6363% | 4,105 |
| Noninterest income to average assets | 0.1253% | 6,624 |
| Noninterest expense to average assets | 2.5516% | 4,983 |
| Loan and lease loss provision to assets | 0.1709% | 3,261 |
| Net operating income to assets | 0.6948% | 3,911 |
| Return on assets (ROA) | 0.6948% | 4,130 |
| Pretax return on assets | 0.8999% | 4,034 |
| Return on Equity (ROE) | 2.6972% | 5,832 |
| Retained earnings to average equity (ytd only) | 2.6972% | 4,911 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4403% | 3,731 |
| Assets per employee ($millions) | 7.0350% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 6,185 |
| Loan loss allowance to noncurrent loans | 961.9048% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 6,472 |
| Noncurrent loans to loans | 0.1057% | 6,495 |
| Net loans and leases to total assets | 55.9147% | 4,403 |
| Net loans and leases to deposits | 77.2536% | 2,641 |
| Net loans and leases to core deposits | 80.6892% | 2,984 |
| Total domestic deposits to total assets | 72.3781% | 6,858 |
| Equity capital to assets | 25.8053% | 88 |
| Core capital (leverage) ratio | 25.8053% | 85 |
| Tier 1 risk-based capital ratio | 55.9307% | 108 |
| Total risk-based capital ratio | 57.1754% | 107 |
| Memoranda: | ||
| Average total assets | $35,115,500 | 6,819 |
| Average earning assets | $33,771,000 | 6,748 |
| Average equity | $9,046,500 | 5,270 |
| Average total loans | $20,099,000 | 6,607 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 3,022 |
| Cost of funding earning assets | 1.1595% | 2,285 |
| Net interest margin | 3.8110% | 3,768 |
| Noninterest income to average assets | 0.0973% | 6,649 |
| Noninterest expense to average assets | 2.5115% | 5,431 |
| Loan and lease loss provision to assets | 0.1551% | 4,688 |
| Net operating income to assets | 0.7358% | 3,313 |
| Return on assets (ROA) | 0.7358% | 3,486 |
| Pretax return on assets | 1.0885% | 2,880 |
| Return on Equity (ROE) | 2.7190% | 5,401 |
| Retained earnings to average equity (ytd only) | 2.7190% | 4,303 |
| Net charge-offs to loans | 0.1109% | 5,264 |
| Credit loss provision to net charge-offs | 221.7391% | 1,095 |
| Earnings coverage of net charge-offs (x) | 17.7826% | 1,251 |
| Efficiency ratio | 66.8826% | 4,598 |
| Assets per employee ($millions) | 7.0112% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 6,466 |
| Loan loss allowance to noncurrent loans | 900.0000% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 6,516 |
| Noncurrent loans to loans | 0.1033% | 6,555 |
| Net loans and leases to total assets | 57.4481% | 4,472 |
| Net loans and leases to deposits | 79.5254% | 2,612 |
| Net loans and leases to core deposits | 83.0714% | 3,012 |
| Total domestic deposits to total assets | 72.2387% | 6,860 |
| Equity capital to assets | 25.7188% | 96 |
| Core capital (leverage) ratio | 25.7188% | 99 |
| Tier 1 risk-based capital ratio | 57.8542% | 103 |
| Total risk-based capital ratio | 59.0670% | 103 |
| Memoranda: | ||
| Average total assets | $32,888,400 | 6,896 |
| Average earning assets | $31,566,200 | 6,821 |
| Average equity | $8,900,200 | 5,305 |
| Average total loans | $20,737,400 | 6,623 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9988% | 3,091 |
| Cost of funding earning assets | 1.1939% | 2,358 |
| Net interest margin | 3.8049% | 3,852 |
| Noninterest income to average assets | 0.0948% | 6,772 |
| Noninterest expense to average assets | 2.4525% | 5,622 |
| Loan and lease loss provision to assets | 0.1484% | 4,592 |
| Net operating income to assets | 0.7997% | 3,164 |
| Return on assets (ROA) | 0.7997% | 3,328 |
| Pretax return on assets | 1.1459% | 2,834 |
| Return on Equity (ROE) | 2.9157% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.9157% | 4,613 |
| Net charge-offs to loans | 0.1472% | 4,596 |
| Credit loss provision to net charge-offs | 156.5217% | 1,982 |
| Earnings coverage of net charge-offs (x) | 13.6505% | 1,598 |
| Efficiency ratio | 65.4565% | 4,812 |
| Assets per employee ($millions) | 6.9704% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 6,012 |
| Loan loss allowance to noncurrent loans | 181.6667% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 6,207 |
| Noncurrent loans to loans | 0.5847% | 5,704 |
| Net loans and leases to total assets | 58.2664% | 4,461 |
| Net loans and leases to deposits | 80.6698% | 2,565 |
| Net loans and leases to core deposits | 84.2754% | 3,022 |
| Total domestic deposits to total assets | 72.2283% | 6,917 |
| Equity capital to assets | 25.7317% | 113 |
| Core capital (leverage) ratio | 25.7317% | 107 |
| Tier 1 risk-based capital ratio | 57.6164% | 119 |
| Total risk-based capital ratio | 58.8693% | 118 |
| Memoranda: | ||
| Average total assets | $32,346,500 | 6,972 |
| Average earning assets | $31,046,500 | 6,902 |
| Average equity | $8,871,250 | 5,346 |
| Average total loans | $20,839,750 | 6,682 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 2,935 |
| Cost of funding earning assets | 1.2176% | 2,460 |
| Net interest margin | 3.8314% | 3,636 |
| Noninterest income to average assets | 0.0825% | 6,915 |
| Noninterest expense to average assets | 2.4563% | 5,678 |
| Loan and lease loss provision to assets | 0.1333% | 4,634 |
| Net operating income to assets | 0.8124% | 3,018 |
| Return on assets (ROA) | 0.8124% | 3,142 |
| Pretax return on assets | 1.1678% | 2,609 |
| Return on Equity (ROE) | 2.8963% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.8963% | 4,440 |
| Net charge-offs to loans | 0.1719% | 4,147 |
| Credit loss provision to net charge-offs | 116.6667% | 2,631 |
| Earnings coverage of net charge-offs (x) | 11.3889% | 1,722 |
| Efficiency ratio | 65.3716% | 4,988 |
| Assets per employee ($millions) | 8.5265% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 6,345 |
| Loan loss allowance to noncurrent loans | 179.3103% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 6,280 |
| Noncurrent loans to loans | 0.5567% | 5,803 |
| Net loans and leases to total assets | 60.4850% | 4,186 |
| Net loans and leases to deposits | 84.2137% | 2,076 |
| Net loans and leases to core deposits | 88.0716% | 2,638 |
| Total domestic deposits to total assets | 71.8231% | 7,016 |
| Equity capital to assets | 26.1010% | 114 |
| Core capital (leverage) ratio | 26.1010% | 108 |
| Tier 1 risk-based capital ratio | 57.1154% | 119 |
| Total risk-based capital ratio | 58.3665% | 117 |
| Memoranda: | ||
| Average total assets | $31,511,330 | 7,058 |
| Average earning assets | $30,224,330 | 6,990 |
| Average equity | $8,839,000 | 5,366 |
| Average total loans | $20,944,670 | 6,747 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2272% | 2,125 |
| Cost of funding earning assets | 1.2307% | 2,624 |
| Net interest margin | 3.9965% | 2,694 |
| Noninterest income to average assets | 0.1456% | 6,681 |
| Noninterest expense to average assets | 2.6213% | 5,148 |
| Loan and lease loss provision to assets | 0.1059% | 4,689 |
| Net operating income to assets | 0.8870% | 2,632 |
| Return on assets (ROA) | 0.8870% | 2,698 |
| Pretax return on assets | 1.2445% | 2,216 |
| Return on Equity (ROE) | 3.0429% | 5,341 |
| Retained earnings to average equity (ytd only) | 3.0429% | 4,335 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0000% | 5,039 |
| Assets per employee ($millions) | 7.7995% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 6,406 |
| Loan loss allowance to noncurrent loans | 196.2617% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 6,344 |
| Noncurrent loans to loans | 0.5082% | 6,003 |
| Net loans and leases to total assets | 66.8152% | 2,808 |
| Net loans and leases to deposits | 96.3485% | 669 |
| Net loans and leases to core deposits | 101.3566% | 1,247 |
| Total domestic deposits to total assets | 69.3474% | 7,212 |
| Equity capital to assets | 28.3384% | 85 |
| Core capital (leverage) ratio | 28.3384% | 85 |
| Tier 1 risk-based capital ratio | 59.2163% | 108 |
| Total risk-based capital ratio | 60.4689% | 108 |
| Memoranda: | ||
| Average total assets | $30,214,000 | 7,146 |
| Average earning assets | $28,925,500 | 7,084 |
| Average equity | $8,807,500 | 5,384 |
| Average total loans | $20,998,500 | 6,796 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5871% | 1,948 |
| Cost of funding earning assets | 1.4548% | 2,932 |
| Net interest margin | 4.1323% | 2,439 |
| Noninterest income to average assets | 0.1512% | 6,635 |
| Noninterest expense to average assets | 2.4698% | 5,892 |
| Loan and lease loss provision to assets | 0.2688% | 4,656 |
| Net operating income to assets | 0.9308% | 2,274 |
| Return on assets (ROA) | 0.9308% | 2,405 |
| Pretax return on assets | 1.3643% | 1,754 |
| Return on Equity (ROE) | 3.2048% | 4,865 |
| Retained earnings to average equity (ytd only) | 3.2048% | 3,625 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1966% | 6,018 |
| Assets per employee ($millions) | 7.3075% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 6,497 |
| Loan loss allowance to noncurrent loans | 199.0196% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 6,382 |
| Noncurrent loans to loans | 0.4871% | 6,066 |
| Net loans and leases to total assets | 70.9511% | 2,318 |
| Net loans and leases to deposits | 105.7465% | 331 |
| Net loans and leases to core deposits | 111.8186% | 825 |
| Total domestic deposits to total assets | 67.0954% | 7,358 |
| Equity capital to assets | 30.0171% | 80 |
| Core capital (leverage) ratio | 30.0171% | 84 |
| Tier 1 risk-based capital ratio | 60.1948% | 105 |
| Total risk-based capital ratio | 61.4435% | 104 |
| Memoranda: | ||
| Average total assets | $29,759,000 | 7,211 |
| Average earning assets | $28,458,400 | 7,150 |
| Average equity | $8,643,400 | 5,517 |
| Average total loans | $21,361,800 | 6,858 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5992% | 2,066 |
| Cost of funding earning assets | 1.5105% | 2,910 |
| Net interest margin | 4.0887% | 2,678 |
| Noninterest income to average assets | 0.1516% | 6,776 |
| Noninterest expense to average assets | 2.3730% | 6,106 |
| Loan and lease loss provision to assets | 0.2676% | 4,443 |
| Net operating income to assets | 1.0304% | 2,138 |
| Return on assets (ROA) | 1.0304% | 2,241 |
| Pretax return on assets | 1.4229% | 1,816 |
| Return on Equity (ROE) | 3.5768% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.5768% | 3,931 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3974% | 6,204 |
| Assets per employee ($millions) | 7.4425% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 6,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 71.0850% | 2,464 |
| Net loans and leases to deposits | 104.9026% | 401 |
| Net loans and leases to core deposits | 110.7320% | 997 |
| Total domestic deposits to total assets | 67.7628% | 7,395 |
| Equity capital to assets | 29.3181% | 91 |
| Core capital (leverage) ratio | 29.3181% | 88 |
| Tier 1 risk-based capital ratio | 59.2211% | 114 |
| Total risk-based capital ratio | 60.4627% | 114 |
| Memoranda: | ||
| Average total assets | $29,891,250 | 7,300 |
| Average earning assets | $28,598,500 | 7,222 |
| Average equity | $8,610,750 | 5,600 |
| Average total loans | $21,466,750 | 6,941 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 1,997 |
| Cost of funding earning assets | 1.5714% | 2,824 |
| Net interest margin | 4.0646% | 2,725 |
| Noninterest income to average assets | 0.1470% | 6,847 |
| Noninterest expense to average assets | 2.3520% | 6,211 |
| Loan and lease loss provision to assets | 0.2673% | 4,250 |
| Net operating income to assets | 0.9956% | 2,215 |
| Return on assets (ROA) | 0.9956% | 2,292 |
| Pretax return on assets | 1.4166% | 1,792 |
| Return on Equity (ROE) | 3.4766% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.4766% | 3,891 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2781% | 6,337 |
| Assets per employee ($millions) | 7.4633% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7656% | 7,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 71.2056% | 2,615 |
| Net loans and leases to deposits | 104.3288% | 472 |
| Net loans and leases to core deposits | 110.0259% | 1,163 |
| Total domestic deposits to total assets | 68.2511% | 7,418 |
| Equity capital to assets | 28.9619% | 95 |
| Core capital (leverage) ratio | 28.9619% | 86 |
| Tier 1 risk-based capital ratio | 59.0332% | 114 |
| Total risk-based capital ratio | 60.1529% | 111 |
| Memoranda: | ||
| Average total assets | $29,931,670 | 7,348 |
| Average earning assets | $28,637,670 | 7,271 |
| Average equity | $8,571,670 | 5,618 |
| Average total loans | $21,507,330 | 6,991 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6353% | 2,006 |
| Cost of funding earning assets | 1.5902% | 3,019 |
| Net interest margin | 4.0451% | 2,674 |
| Noninterest income to average assets | 0.1468% | 6,924 |
| Noninterest expense to average assets | 2.4424% | 5,942 |
| Loan and lease loss provision to assets | 0.2669% | 3,888 |
| Net operating income to assets | 1.0010% | 2,183 |
| Return on assets (ROA) | 1.0010% | 2,250 |
| Pretax return on assets | 1.3079% | 2,028 |
| Return on Equity (ROE) | 3.5151% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.5151% | 4,036 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7973% | 6,034 |
| Assets per employee ($millions) | 7.4780% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6673% | 7,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 71.6635% | 2,531 |
| Net loans and leases to deposits | 104.3216% | 510 |
| Net loans and leases to core deposits | 112.6314% | 1,123 |
| Total domestic deposits to total assets | 68.6948% | 7,488 |
| Equity capital to assets | 28.6574% | 97 |
| Core capital (leverage) ratio | 28.6574% | 95 |
| Tier 1 risk-based capital ratio | 58.4282% | 118 |
| Total risk-based capital ratio | 59.4097% | 115 |
| Memoranda: | ||
| Average total assets | $29,971,000 | 7,442 |
| Average earning assets | $28,676,500 | 7,365 |
| Average equity | $8,534,500 | 5,683 |
| Average total loans | $21,550,500 | 7,073 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6977% | 3,111 |
| Cost of funding earning assets | 2.1444% | 2,255 |
| Net interest margin | 3.5532% | 4,731 |
| Noninterest income to average assets | 0.1593% | 6,933 |
| Noninterest expense to average assets | 2.3227% | 6,685 |
| Loan and lease loss provision to assets | 0.3086% | 4,971 |
| Net operating income to assets | 0.6338% | 3,203 |
| Return on assets (ROA) | 0.6338% | 3,263 |
| Pretax return on assets | 0.9257% | 2,843 |
| Return on Equity (ROE) | 2.2725% | 4,802 |
| Retained earnings to average equity (ytd only) | 2.2725% | 3,525 |
| Net charge-offs to loans | 0.1469% | 5,771 |
| Credit loss provision to net charge-offs | 290.6250% | 1,148 |
| Earnings coverage of net charge-offs (x) | 11.6250% | 1,577 |
| Efficiency ratio | 65.2985% | 5,536 |
| Assets per employee ($millions) | 7.5075% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5808% | 7,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 71.2488% | 2,939 |
| Net loans and leases to deposits | 100.9722% | 827 |
| Net loans and leases to core deposits | 124.8599% | 1,583 |
| Total domestic deposits to total assets | 70.5628% | 7,372 |
| Equity capital to assets | 28.2950% | 118 |
| Core capital (leverage) ratio | 28.2950% | 116 |
| Tier 1 risk-based capital ratio | 57.6341% | 122 |
| Total risk-based capital ratio | 58.4820% | 121 |
| Memoranda: | ||
| Average total assets | $30,137,800 | 7,465 |
| Average earning assets | $28,818,800 | 7,402 |
| Average equity | $8,405,000 | 5,802 |
| Average total loans | $21,784,200 | 7,101 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7306% | 3,185 |
| Cost of funding earning assets | 2.2692% | 2,111 |
| Net interest margin | 3.4615% | 5,021 |
| Noninterest income to average assets | 0.1724% | 6,982 |
| Noninterest expense to average assets | 2.2144% | 6,935 |
| Loan and lease loss provision to assets | 0.3315% | 4,352 |
| Net operating income to assets | 0.6674% | 3,324 |
| Return on assets (ROA) | 0.6674% | 3,387 |
| Pretax return on assets | 0.9371% | 3,107 |
| Return on Equity (ROE) | 2.4019% | 5,024 |
| Retained earnings to average equity (ytd only) | 2.4019% | 3,978 |
| Net charge-offs to loans | 0.1831% | 4,926 |
| Credit loss provision to net charge-offs | 250.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 9.5665% | 2,088 |
| Efficiency ratio | 63.5787% | 5,828 |
| Assets per employee ($millions) | 7.5023% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5001% | 7,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 6,969 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 72.2617% | 2,968 |
| Net loans and leases to deposits | 102.3505% | 905 |
| Net loans and leases to core deposits | 126.9019% | 1,659 |
| Total domestic deposits to total assets | 70.6022% | 7,366 |
| Equity capital to assets | 28.1815% | 133 |
| Core capital (leverage) ratio | 28.1815% | 139 |
| Tier 1 risk-based capital ratio | 57.3511% | 127 |
| Total risk-based capital ratio | 58.0903% | 127 |
| Memoranda: | ||
| Average total assets | $30,164,750 | 7,534 |
| Average earning assets | $28,850,000 | 7,464 |
| Average equity | $8,382,000 | 5,860 |
| Average total loans | $21,850,000 | 7,154 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7032% | 3,523 |
| Cost of funding earning assets | 2.3810% | 2,044 |
| Net interest margin | 3.3223% | 5,465 |
| Noninterest income to average assets | 0.1589% | 7,140 |
| Noninterest expense to average assets | 2.2703% | 6,848 |
| Loan and lease loss provision to assets | 0.1986% | 5,066 |
| Net operating income to assets | 0.6884% | 3,306 |
| Return on assets (ROA) | 0.6884% | 3,417 |
| Pretax return on assets | 0.8671% | 3,456 |
| Return on Equity (ROE) | 2.4889% | 5,108 |
| Retained earnings to average equity (ytd only) | 2.4889% | 3,952 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0556% | 5,150 |
| Assets per employee ($millions) | 7.6288% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4311% | 7,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 6,967 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.1519% | 3,434 |
| Net loans and leases to deposits | 99.6649% | 1,320 |
| Net loans and leases to core deposits | 123.3496% | 2,085 |
| Total domestic deposits to total assets | 71.3911% | 7,317 |
| Equity capital to assets | 27.5602% | 163 |
| Core capital (leverage) ratio | 27.5602% | 166 |
| Tier 1 risk-based capital ratio | 57.1060% | 142 |
| Total risk-based capital ratio | 57.7443% | 143 |
| Memoranda: | ||
| Average total assets | $30,216,670 | 7,597 |
| Average earning assets | $28,896,000 | 7,532 |
| Average equity | $8,357,000 | 5,894 |
| Average total loans | $21,868,670 | 7,221 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6501% | 4,048 |
| Cost of funding earning assets | 2.4215% | 2,201 |
| Net interest margin | 3.2286% | 5,762 |
| Noninterest income to average assets | 0.1596% | 7,166 |
| Noninterest expense to average assets | 2.2483% | 6,699 |
| Loan and lease loss provision to assets | 0.1996% | 4,444 |
| Net operating income to assets | 0.6519% | 3,790 |
| Return on assets (ROA) | 0.6519% | 3,973 |
| Pretax return on assets | 0.7982% | 4,081 |
| Return on Equity (ROE) | 2.3528% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.3528% | 4,567 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2623% | 4,724 |
| Assets per employee ($millions) | 7.5535% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3613% | 7,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 6,868 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 72.1123% | 3,219 |
| Net loans and leases to deposits | 100.9966% | 1,278 |
| Net loans and leases to core deposits | 125.1608% | 1,983 |
| Total domestic deposits to total assets | 71.4007% | 7,286 |
| Equity capital to assets | 27.6527% | 175 |
| Core capital (leverage) ratio | 27.6527% | 181 |
| Tier 1 risk-based capital ratio | 57.0853% | 154 |
| Total risk-based capital ratio | 57.6250% | 153 |
| Memoranda: | ||
| Average total assets | $30,067,500 | 7,646 |
| Average earning assets | $28,743,000 | 7,583 |
| Average equity | $8,330,500 | 5,943 |
| Average total loans | $21,900,000 | 7,252 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2133% | 4,445 |
| Cost of funding earning assets | 2.8821% | 2,344 |
| Net interest margin | 3.3312% | 5,928 |
| Noninterest income to average assets | 0.1598% | 7,280 |
| Noninterest expense to average assets | 2.1640% | 7,079 |
| Loan and lease loss provision to assets | 0.4661% | 2,967 |
| Net operating income to assets | 0.5094% | 4,687 |
| Return on assets (ROA) | 0.5094% | 4,538 |
| Pretax return on assets | 0.7158% | 4,348 |
| Return on Equity (ROE) | 1.8610% | 5,653 |
| Retained earnings to average equity (ytd only) | 1.8610% | 4,066 |
| Net charge-offs to loans | -0.0312% | 7,975 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6766% | 5,401 |
| Assets per employee ($millions) | 7.4803% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2918% | 8,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 6,688 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.0891% | 3,337 |
| Net loans and leases to deposits | 102.7148% | 1,504 |
| Net loans and leases to core deposits | 126.7034% | 2,112 |
| Total domestic deposits to total assets | 71.1574% | 7,138 |
| Equity capital to assets | 27.7598% | 201 |
| Core capital (leverage) ratio | 27.7598% | 212 |
| Tier 1 risk-based capital ratio | 57.0506% | 166 |
| Total risk-based capital ratio | 57.4902% | 170 |
| Memoranda: | ||
| Average total assets | $30,037,000 | 7,650 |
| Average earning assets | $28,728,800 | 7,576 |
| Average equity | $8,221,600 | 5,997 |
| Average total loans | $22,405,000 | 7,173 |