Home > Community Bank of Pleasant Hill > Performance and Condition Ratios
Community Bank of Pleasant Hill, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 4,000 |
| Cost of funding earning assets | 1.7936% | 1,257 |
| Net interest margin | 2.1826% | 4,330 |
| Noninterest income to average assets | 1.4900% | 391 |
| Noninterest expense to average assets | 2.6418% | 1,889 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6967% | 3,206 |
| Return on assets (ROA) | 0.6967% | 3,178 |
| Pretax return on assets | 0.8621% | 3,060 |
| Return on Equity (ROE) | 38.0500% | 98 |
| Retained earnings to average equity (ytd only) | 38.0516% | 32 |
| Net charge-offs to loans | 0.4136% | 249 |
| Credit loss provision to net charge-offs | 5.4264% | 2,345 |
| Earnings coverage of net charge-offs (x) | 8.8217% | 2,324 |
| Efficiency ratio | 74.2398% | 1,432 |
| Assets per employee ($millions) | 8.0094% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5907% | 4,259 |
| Loan loss allowance to noncurrent loans | 1,094.7368% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,668 |
| Noncurrent loans to loans | 0.0540% | 3,334 |
| Net loans and leases to total assets | 25.7100% | 4,354 |
| Net loans and leases to deposits | 26.4288% | 4,390 |
| Net loans and leases to core deposits | 26.4288% | 4,426 |
| Total domestic deposits to total assets | 97.2800% | 27 |
| Equity capital to assets | 2.5066% | 4,555 |
| Core capital (leverage) ratio | 9.3369% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4486% | 513 |
| Memoranda: | ||
| Average total assets | $131,197,600 | 3,541 |
| Average earning assets | $121,095,800 | 3,535 |
| Average equity | $2,402,000 | 4,464 |
| Average total loans | $31,193,200 | 4,124 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 3,932 |
| Cost of funding earning assets | 1.7910% | 1,019 |
| Net interest margin | 2.1539% | 4,379 |
| Noninterest income to average assets | 1.5000% | 387 |
| Noninterest expense to average assets | 2.5823% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7253% | 3,243 |
| Return on assets (ROA) | 0.7253% | 3,230 |
| Pretax return on assets | 0.9008% | 3,099 |
| Return on Equity (ROE) | 43.8600% | 97 |
| Retained earnings to average equity (ytd only) | 43.8592% | 42 |
| Net charge-offs to loans | 0.4505% | 187 |
| Credit loss provision to net charge-offs | 2.9412% | 2,094 |
| Earnings coverage of net charge-offs (x) | 8.6373% | 2,187 |
| Efficiency ratio | 73.0135% | 1,450 |
| Assets per employee ($millions) | 7.5223% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 4,069 |
| Loan loss allowance to noncurrent loans | 1,283.3333% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 3,700 |
| Noncurrent loans to loans | 0.0584% | 3,333 |
| Net loans and leases to total assets | 23.9100% | 4,399 |
| Net loans and leases to deposits | 24.1954% | 4,428 |
| Net loans and leases to core deposits | 24.1954% | 4,426 |
| Total domestic deposits to total assets | 98.8200% | 34 |
| Equity capital to assets | 0.9556% | 4,577 |
| Core capital (leverage) ratio | 9.2599% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0741% | 546 |
| Memoranda: | ||
| Average total assets | $129,957,250 | 3,561 |
| Average earning assets | $119,778,750 | 3,562 |
| Average equity | $2,149,250 | 4,502 |
| Average total loans | $30,187,750 | 4,155 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 3,913 |
| Cost of funding earning assets | 1.7658% | 790 |
| Net interest margin | 2.1103% | 4,456 |
| Noninterest income to average assets | 1.5200% | 321 |
| Noninterest expense to average assets | 2.4080% | 2,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8465% | 2,934 |
| Return on assets (ROA) | 0.8465% | 2,943 |
| Pretax return on assets | 1.0608% | 2,745 |
| Return on Equity (ROE) | 44.9900% | 82 |
| Retained earnings to average equity (ytd only) | 44.9898% | 44 |
| Net charge-offs to loans | 0.1935% | 412 |
| Credit loss provision to net charge-offs | 10.3448% | 1,797 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,660 |
| Efficiency ratio | 68.2680% | 1,952 |
| Assets per employee ($millions) | 7.2418% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,379 |
| Loan loss allowance to noncurrent loans | 894.1176% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,530 |
| Noncurrent loans to loans | 0.1132% | 2,912 |
| Net loans and leases to total assets | 22.8200% | 4,431 |
| Net loans and leases to deposits | 23.3008% | 4,459 |
| Net loans and leases to core deposits | 23.3008% | 4,455 |
| Total domestic deposits to total assets | 97.9200% | 35 |
| Equity capital to assets | 1.8626% | 4,605 |
| Core capital (leverage) ratio | 8.8133% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1738% | 544 |
| Memoranda: | ||
| Average total assets | $130,650,000 | 3,563 |
| Average earning assets | $120,738,333 | 3,555 |
| Average equity | $2,458,333 | 4,510 |
| Average total loans | $29,981,667 | 4,166 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 4,036 |
| Cost of funding earning assets | 1.7863% | 463 |
| Net interest margin | 1.9054% | 4,584 |
| Noninterest income to average assets | 1.6700% | 294 |
| Noninterest expense to average assets | 2.5260% | 2,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7492% | 3,347 |
| Return on assets (ROA) | 0.7492% | 3,300 |
| Pretax return on assets | 0.9083% | 3,212 |
| Return on Equity (ROE) | 39.6200% | 115 |
| Retained earnings to average equity (ytd only) | 39.6200% | 64 |
| Net charge-offs to loans | 0.1736% | 415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 22.8462% | 1,419 |
| Efficiency ratio | 72.4844% | 1,496 |
| Assets per employee ($millions) | 7.5261% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,085 |
| 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 | 21.1400% | 4,504 |
| Net loans and leases to deposits | 21.6173% | 4,527 |
| Net loans and leases to core deposits | 21.6173% | 4,527 |
| Total domestic deposits to total assets | 97.7800% | 21 |
| Equity capital to assets | 2.0374% | 4,635 |
| Core capital (leverage) ratio | 8.7696% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2688% | 635 |
| Memoranda: | ||
| Average total assets | $130,798,500 | 3,609 |
| Average earning assets | $120,917,000 | 3,593 |
| Average equity | $2,473,500 | 4,574 |
| Average total loans | $29,949,000 | 4,223 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7417% | 4,373 |
| Cost of funding earning assets | 0.4818% | 1,517 |
| Net interest margin | 2.2599% | 4,450 |
| Noninterest income to average assets | 1.5200% | 339 |
| Noninterest expense to average assets | 2.7448% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6792% | 3,675 |
| Return on assets (ROA) | 0.6792% | 3,628 |
| Pretax return on assets | 0.8451% | 3,499 |
| Return on Equity (ROE) | 18.3100% | 657 |
| Retained earnings to average equity (ytd only) | 18.3086% | 126 |
| Net charge-offs to loans | -0.0240% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.2844% | 1,090 |
| Assets per employee ($millions) | 7.4193% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 2,456 |
| 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 | 24.2400% | 4,502 |
| Net loans and leases to deposits | 24.7089% | 4,538 |
| Net loans and leases to core deposits | 24.7089% | 4,539 |
| Total domestic deposits to total assets | 98.1200% | 29 |
| Equity capital to assets | 1.7340% | 4,657 |
| Core capital (leverage) ratio | 9.1704% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8560% | 637 |
| Memoranda: | ||
| Average total assets | $117,494,000 | 3,751 |
| Average earning assets | $107,926,800 | 3,749 |
| Average equity | $4,358,600 | 4,495 |
| Average total loans | $29,216,000 | 4,253 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4873% | 4,453 |
| Cost of funding earning assets | 0.2291% | 2,939 |
| Net interest margin | 2.2582% | 4,433 |
| Noninterest income to average assets | 1.5700% | 342 |
| Noninterest expense to average assets | 2.6912% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7653% | 3,369 |
| Return on assets (ROA) | 0.7653% | 3,319 |
| Pretax return on assets | 0.9595% | 3,140 |
| Return on Equity (ROE) | 18.0100% | 642 |
| Retained earnings to average equity (ytd only) | 18.0076% | 165 |
| Net charge-offs to loans | -0.0093% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.6236% | 1,431 |
| Assets per employee ($millions) | 6.8206% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,501 |
| 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 | 23.9100% | 4,547 |
| Net loans and leases to deposits | 24.3387% | 4,579 |
| Net loans and leases to core deposits | 24.3387% | 4,576 |
| Total domestic deposits to total assets | 98.2300% | 48 |
| Equity capital to assets | 1.6152% | 4,674 |
| Core capital (leverage) ratio | 9.4245% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0490% | 562 |
| Memoranda: | ||
| Average total assets | $115,335,500 | 3,798 |
| Average earning assets | $105,922,250 | 3,796 |
| Average equity | $4,901,500 | 4,484 |
| Average total loans | $28,783,750 | 4,290 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4054% | 4,456 |
| Cost of funding earning assets | 0.1062% | 4,124 |
| Net interest margin | 2.2992% | 4,335 |
| Noninterest income to average assets | 1.6676% | 287 |
| Noninterest expense to average assets | 2.7716% | 1,225 |
| Loan and lease loss provision to assets | -0.0018% | 4,367 |
| Net operating income to assets | 0.8028% | 2,947 |
| Return on assets (ROA) | 0.8028% | 2,915 |
| Pretax return on assets | 1.0084% | 2,700 |
| Return on Equity (ROE) | 15.4230% | 814 |
| Retained earnings to average equity (ytd only) | 15.4230% | 231 |
| Net charge-offs to loans | -0.0140% | 3,736 |
| Credit loss provision to net charge-offs | 50.0000% | 1,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2326% | 1,715 |
| Assets per employee ($millions) | 6.7391% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 2,308 |
| 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 | 24.2816% | 4,587 |
| Net loans and leases to deposits | 24.8094% | 4,632 |
| Net loans and leases to core deposits | 24.8094% | 4,636 |
| Total domestic deposits to total assets | 97.8728% | 30 |
| Equity capital to assets | 2.0172% | 4,722 |
| Core capital (leverage) ratio | 9.5695% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4666% | 509 |
| Memoranda: | ||
| Average total assets | $112,857,000 | 3,865 |
| Average earning assets | $103,600,333 | 3,873 |
| Average equity | $5,874,333 | 4,432 |
| Average total loans | $28,475,333 | 4,351 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3721% | 4,400 |
| Cost of funding earning assets | 0.0743% | 4,411 |
| Net interest margin | 2.2979% | 4,241 |
| Noninterest income to average assets | 1.7928% | 282 |
| Noninterest expense to average assets | 2.8678% | 1,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8214% | 2,591 |
| Return on assets (ROA) | 0.8214% | 2,584 |
| Pretax return on assets | 1.0250% | 2,366 |
| Return on Equity (ROE) | 12.0167% | 1,309 |
| Retained earnings to average equity (ytd only) | 12.0167% | 602 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5688% | 1,902 |
| Assets per employee ($millions) | 6.0668% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,708 |
| 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 | 26.3372% | 4,553 |
| Net loans and leases to deposits | 27.9000% | 4,600 |
| Net loans and leases to core deposits | 27.9000% | 4,611 |
| Total domestic deposits to total assets | 94.3985% | 81 |
| Equity capital to assets | 5.5026% | 4,664 |
| Core capital (leverage) ratio | 9.4211% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0957% | 550 |
| Memoranda: | ||
| Average total assets | $112,003,500 | 3,891 |
| Average earning assets | $102,356,500 | 3,909 |
| Average equity | $7,656,000 | 4,299 |
| Average total loans | $28,624,500 | 4,360 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5968% | 4,412 |
| Cost of funding earning assets | 0.0663% | 4,611 |
| Net interest margin | 2.5305% | 4,151 |
| Noninterest income to average assets | 1.5864% | 448 |
| Noninterest expense to average assets | 2.7426% | 1,505 |
| Loan and lease loss provision to assets | -0.0009% | 4,134 |
| Net operating income to assets | 0.8995% | 3,048 |
| Return on assets (ROA) | 0.9515% | 2,936 |
| Pretax return on assets | 1.1952% | 2,676 |
| Return on Equity (ROE) | 11.5991% | 1,949 |
| Retained earnings to average equity (ytd only) | 11.5991% | 593 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7581% | 1,766 |
| Assets per employee ($millions) | 6.3780% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,489 |
| 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 | 24.1908% | 4,660 |
| Net loans and leases to deposits | 26.3441% | 4,683 |
| Net loans and leases to core deposits | 26.3441% | 4,696 |
| Total domestic deposits to total assets | 91.8261% | 231 |
| Equity capital to assets | 8.1034% | 4,305 |
| Core capital (leverage) ratio | 8.8876% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4044% | 528 |
| Memoranda: | ||
| Average total assets | $115,290,000 | 3,849 |
| Average earning assets | $104,129,000 | 3,865 |
| Average equity | $9,457,600 | 4,198 |
| Average total loans | $31,624,600 | 4,349 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7411% | 4,366 |
| Cost of funding earning assets | 0.0680% | 4,700 |
| Net interest margin | 2.6731% | 4,023 |
| Noninterest income to average assets | 1.6023% | 486 |
| Noninterest expense to average assets | 2.6779% | 1,648 |
| Loan and lease loss provision to assets | -0.0026% | 4,292 |
| Net operating income to assets | 1.0568% | 2,707 |
| Return on assets (ROA) | 1.1252% | 2,526 |
| Pretax return on assets | 1.4198% | 2,253 |
| Return on Equity (ROE) | 13.6752% | 1,486 |
| Retained earnings to average equity (ytd only) | 13.6752% | 544 |
| Net charge-offs to loans | -0.0041% | 3,380 |
| Credit loss provision to net charge-offs | 200.0000% | 1,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7637% | 2,129 |
| Assets per employee ($millions) | 6.3568% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 2,502 |
| 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 | 23.8082% | 4,744 |
| Net loans and leases to deposits | 26.1432% | 4,764 |
| Net loans and leases to core deposits | 26.1432% | 4,775 |
| Total domestic deposits to total assets | 91.0682% | 347 |
| Equity capital to assets | 8.7281% | 4,047 |
| Core capital (leverage) ratio | 8.5121% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7214% | 552 |
| Memoranda: | ||
| Average total assets | $115,411,500 | 3,894 |
| Average earning assets | $103,895,750 | 3,913 |
| Average equity | $9,496,250 | 4,252 |
| Average total loans | $32,498,250 | 4,388 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9516% | 4,135 |
| Cost of funding earning assets | 0.0674% | 4,756 |
| Net interest margin | 2.8842% | 3,617 |
| Noninterest income to average assets | 1.4757% | 556 |
| Noninterest expense to average assets | 2.6525% | 1,717 |
| Loan and lease loss provision to assets | -0.0017% | 4,379 |
| Net operating income to assets | 1.1193% | 2,471 |
| Return on assets (ROA) | 1.2217% | 2,179 |
| Pretax return on assets | 1.5414% | 1,900 |
| Return on Equity (ROE) | 15.1511% | 1,119 |
| Retained earnings to average equity (ytd only) | 15.1511% | 408 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2705% | 2,391 |
| Assets per employee ($millions) | 7.3843% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,404 |
| 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 | 27.2023% | 4,725 |
| Net loans and leases to deposits | 29.6097% | 4,761 |
| Net loans and leases to core deposits | 29.6784% | 4,779 |
| Total domestic deposits to total assets | 91.8695% | 152 |
| Equity capital to assets | 8.0492% | 4,503 |
| Core capital (leverage) ratio | 8.3682% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1623% | 604 |
| Memoranda: | ||
| Average total assets | $115,741,000 | 3,904 |
| Average earning assets | $103,806,667 | 3,935 |
| Average equity | $9,332,667 | 4,284 |
| Average total loans | $34,131,000 | 4,390 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7661% | 4,409 |
| Cost of funding earning assets | 0.0702% | 4,794 |
| Net interest margin | 2.6959% | 3,978 |
| Noninterest income to average assets | 1.5750% | 560 |
| Noninterest expense to average assets | 2.6332% | 1,787 |
| Loan and lease loss provision to assets | -0.0070% | 4,569 |
| Net operating income to assets | 1.0340% | 2,698 |
| Return on assets (ROA) | 1.1140% | 2,509 |
| Pretax return on assets | 1.4633% | 2,097 |
| Return on Equity (ROE) | 13.8035% | 1,473 |
| Retained earnings to average equity (ytd only) | 13.8035% | 779 |
| Net charge-offs to loans | 0.0114% | 1,521 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | 388.0000% | 236 |
| Efficiency ratio | 64.9737% | 2,356 |
| Assets per employee ($millions) | 6.5063% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 3,306 |
| 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 | 26.6996% | 4,777 |
| Net loans and leases to deposits | 28.7862% | 4,809 |
| Net loans and leases to core deposits | 28.8529% | 4,826 |
| Total domestic deposits to total assets | 92.7515% | 52 |
| Equity capital to assets | 7.2049% | 4,798 |
| Core capital (leverage) ratio | 8.3202% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8861% | 688 |
| Memoranda: | ||
| Average total assets | $114,537,500 | 3,925 |
| Average earning assets | $102,526,000 | 3,951 |
| Average equity | $9,244,000 | 4,303 |
| Average total loans | $34,948,000 | 4,402 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1606% | 4,498 |
| Cost of funding earning assets | 0.1383% | 4,762 |
| Net interest margin | 3.0223% | 3,840 |
| Noninterest income to average assets | 1.5444% | 508 |
| Noninterest expense to average assets | 2.9536% | 1,537 |
| Loan and lease loss provision to assets | 0.0090% | 4,245 |
| Net operating income to assets | 1.1132% | 1,872 |
| Return on assets (ROA) | 1.2182% | 1,605 |
| Pretax return on assets | 1.5166% | 1,282 |
| Return on Equity (ROE) | 13.2044% | 991 |
| Retained earnings to average equity (ytd only) | 13.2044% | 229 |
| Net charge-offs to loans | 0.0155% | 2,796 |
| Credit loss provision to net charge-offs | 150.0000% | 2,424 |
| Earnings coverage of net charge-offs (x) | 233.6667% | 422 |
| Efficiency ratio | 66.8344% | 2,382 |
| Assets per employee ($millions) | 6.2201% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 4,079 |
| 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 | 33.8618% | 4,653 |
| Net loans and leases to deposits | 39.2740% | 4,675 |
| Net loans and leases to core deposits | 39.3764% | 4,712 |
| Total domestic deposits to total assets | 86.2193% | 2,268 |
| Equity capital to assets | 8.9763% | 4,077 |
| Core capital (leverage) ratio | 8.4775% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6529% | 815 |
| Memoranda: | ||
| Average total assets | $100,555,600 | 3,988 |
| Average earning assets | $93,272,400 | 3,985 |
| Average equity | $9,277,200 | 4,274 |
| Average total loans | $38,720,000 | 4,334 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4635% | 4,267 |
| Cost of funding earning assets | 0.1606% | 4,774 |
| Net interest margin | 3.3030% | 3,174 |
| Noninterest income to average assets | 1.5625% | 488 |
| Noninterest expense to average assets | 2.9817% | 1,481 |
| Loan and lease loss provision to assets | 0.0123% | 4,155 |
| Net operating income to assets | 1.2442% | 1,504 |
| Return on assets (ROA) | 1.3865% | 1,230 |
| Pretax return on assets | 1.8081% | 764 |
| Return on Equity (ROE) | 14.9123% | 701 |
| Retained earnings to average equity (ytd only) | 14.9123% | 203 |
| Net charge-offs to loans | 0.0240% | 2,360 |
| Credit loss provision to net charge-offs | 128.5714% | 2,449 |
| Earnings coverage of net charge-offs (x) | 171.7143% | 544 |
| Efficiency ratio | 63.4485% | 2,835 |
| Assets per employee ($millions) | 6.1796% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7745% | 4,424 |
| 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 | 41.2354% | 4,523 |
| Net loans and leases to deposits | 48.9912% | 4,518 |
| Net loans and leases to core deposits | 49.1229% | 4,604 |
| Total domestic deposits to total assets | 84.1691% | 2,761 |
| Equity capital to assets | 8.7457% | 4,296 |
| Core capital (leverage) ratio | 8.7075% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0495% | 1,047 |
| Memoranda: | ||
| Average total assets | $97,704,250 | 4,022 |
| Average earning assets | $90,502,500 | 4,015 |
| Average equity | $9,084,000 | 4,313 |
| Average total loans | $38,832,250 | 4,358 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,361 |
| Cost of funding earning assets | 0.2067% | 4,750 |
| Net interest margin | 3.7806% | 1,888 |
| Noninterest income to average assets | 1.6203% | 396 |
| Noninterest expense to average assets | 3.0087% | 1,556 |
| Loan and lease loss provision to assets | 0.0129% | 4,061 |
| Net operating income to assets | 1.5942% | 773 |
| Return on assets (ROA) | 1.8113% | 537 |
| Pretax return on assets | 2.3671% | 270 |
| Return on Equity (ROE) | 19.0319% | 304 |
| Retained earnings to average equity (ytd only) | 19.0319% | 103 |
| Net charge-offs to loans | 0.0275% | 2,170 |
| Credit loss provision to net charge-offs | 120.0000% | 2,280 |
| Earnings coverage of net charge-offs (x) | 196.2000% | 464 |
| Efficiency ratio | 57.8263% | 3,714 |
| Assets per employee ($millions) | 5.6827% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 4,338 |
| 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 | 40.9045% | 4,571 |
| Net loans and leases to deposits | 48.1599% | 4,589 |
| Net loans and leases to core deposits | 48.2920% | 4,658 |
| Total domestic deposits to total assets | 84.9348% | 2,427 |
| Equity capital to assets | 8.9005% | 4,172 |
| Core capital (leverage) ratio | 8.7156% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5282% | 1,626 |
| Memoranda: | ||
| Average total assets | $93,195,000 | 4,080 |
| Average earning assets | $86,123,000 | 4,075 |
| Average equity | $8,869,333 | 4,352 |
| Average total loans | $36,368,000 | 4,420 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1552% | 4,891 |
| Cost of funding earning assets | 0.3811% | 4,421 |
| Net interest margin | 2.7741% | 4,595 |
| Noninterest income to average assets | 1.9019% | 288 |
| Noninterest expense to average assets | 3.2538% | 1,307 |
| Loan and lease loss provision to assets | 0.0280% | 3,440 |
| Net operating income to assets | 0.8979% | 2,531 |
| Return on assets (ROA) | 0.9789% | 2,353 |
| Pretax return on assets | 1.2680% | 1,973 |
| Return on Equity (ROE) | 9.8835% | 1,785 |
| Retained earnings to average equity (ytd only) | 9.8835% | 766 |
| Net charge-offs to loans | 0.0495% | 1,516 |
| Credit loss provision to net charge-offs | 150.0000% | 1,583 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 773 |
| Efficiency ratio | 71.9078% | 2,089 |
| Assets per employee ($millions) | 4.6711% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 2,738 |
| 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 | 33.5624% | 4,839 |
| Net loans and leases to deposits | 37.5241% | 4,883 |
| Net loans and leases to core deposits | 37.6426% | 4,906 |
| Total domestic deposits to total assets | 89.4424% | 490 |
| Equity capital to assets | 10.0157% | 3,769 |
| Core capital (leverage) ratio | 9.5709% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9417% | 991 |
| Memoranda: | ||
| Average total assets | $85,807,000 | 4,187 |
| Average earning assets | $78,727,000 | 4,193 |
| Average equity | $8,499,000 | 4,427 |
| Average total loans | $32,291,000 | 4,555 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5918% | 4,786 |
| Cost of funding earning assets | 0.5400% | 3,920 |
| Net interest margin | 3.0518% | 4,447 |
| Noninterest income to average assets | 1.9835% | 263 |
| Noninterest expense to average assets | 3.5239% | 932 |
| Loan and lease loss provision to assets | 0.0272% | 3,469 |
| Net operating income to assets | 0.9163% | 3,142 |
| Return on assets (ROA) | 0.9276% | 3,175 |
| Pretax return on assets | 1.2359% | 2,718 |
| Return on Equity (ROE) | 9.4099% | 2,567 |
| Retained earnings to average equity (ytd only) | 9.4099% | 613 |
| Net charge-offs to loans | 0.0527% | 2,355 |
| Credit loss provision to net charge-offs | 110.5263% | 2,259 |
| Earnings coverage of net charge-offs (x) | 50.7368% | 1,119 |
| Efficiency ratio | 72.5299% | 1,791 |
| Assets per employee ($millions) | 4.8743% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,302 |
| 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 | 41.1293% | 4,697 |
| Net loans and leases to deposits | 45.8657% | 4,789 |
| Net loans and leases to core deposits | 46.0206% | 4,834 |
| Total domestic deposits to total assets | 89.6733% | 439 |
| Equity capital to assets | 9.7860% | 4,119 |
| Core capital (leverage) ratio | 9.4805% | 4,084 |
| Tier 1 risk-based capital ratio | 16.8238% | 2,114 |
| Total risk-based capital ratio | 17.5850% | 2,225 |
| Memoranda: | ||
| Average total assets | $77,188,200 | 4,331 |
| Average earning assets | $70,549,200 | 4,338 |
| Average equity | $7,609,000 | 4,554 |
| Average total loans | $36,021,800 | 4,500 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6134% | 4,872 |
| Cost of funding earning assets | 0.5461% | 3,953 |
| Net interest margin | 3.0672% | 4,531 |
| Noninterest income to average assets | 2.0131% | 266 |
| Noninterest expense to average assets | 3.5211% | 923 |
| Loan and lease loss provision to assets | 0.0299% | 3,303 |
| Net operating income to assets | 0.9490% | 3,169 |
| Return on assets (ROA) | 0.9643% | 3,185 |
| Pretax return on assets | 1.2881% | 2,708 |
| Return on Equity (ROE) | 9.7628% | 2,530 |
| Retained earnings to average equity (ytd only) | 9.7628% | 810 |
| Net charge-offs to loans | 0.0549% | 2,049 |
| Credit loss provision to net charge-offs | 113.3333% | 2,052 |
| Earnings coverage of net charge-offs (x) | 49.1990% | 1,212 |
| Efficiency ratio | 71.7415% | 1,881 |
| Assets per employee ($millions) | 4.5743% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 3,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 40.3488% | 4,803 |
| Net loans and leases to deposits | 44.8473% | 4,893 |
| Net loans and leases to core deposits | 44.8473% | 4,939 |
| Total domestic deposits to total assets | 89.9693% | 295 |
| Equity capital to assets | 9.5607% | 4,413 |
| Core capital (leverage) ratio | 9.8994% | 3,736 |
| Tier 1 risk-based capital ratio | 16.6288% | 2,215 |
| Total risk-based capital ratio | 17.3989% | 2,313 |
| Memoranda: | ||
| Average total assets | $75,769,500 | 4,405 |
| Average earning assets | $69,333,250 | 4,410 |
| Average equity | $7,484,000 | 4,630 |
| Average total loans | $36,418,000 | 4,550 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7046% | 4,825 |
| Cost of funding earning assets | 0.5599% | 3,839 |
| Net interest margin | 3.1448% | 4,463 |
| Noninterest income to average assets | 2.0821% | 252 |
| Noninterest expense to average assets | 3.5934% | 853 |
| Loan and lease loss provision to assets | 0.0272% | 3,277 |
| Net operating income to assets | 1.0120% | 2,874 |
| Return on assets (ROA) | 1.0356% | 2,856 |
| Pretax return on assets | 1.3618% | 2,338 |
| Return on Equity (ROE) | 10.3608% | 2,230 |
| Retained earnings to average equity (ytd only) | 10.3608% | 661 |
| Net charge-offs to loans | 0.0428% | 2,044 |
| Credit loss provision to net charge-offs | 125.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 960 |
| Efficiency ratio | 71.2404% | 2,026 |
| Assets per employee ($millions) | 4.4548% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 3,787 |
| 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 | 48.0411% | 4,569 |
| Net loans and leases to deposits | 53.7797% | 4,688 |
| Net loans and leases to core deposits | 53.7797% | 4,786 |
| Total domestic deposits to total assets | 89.3293% | 526 |
| Equity capital to assets | 10.2270% | 3,774 |
| Core capital (leverage) ratio | 9.9329% | 3,660 |
| Tier 1 risk-based capital ratio | 15.7988% | 2,503 |
| Total risk-based capital ratio | 16.5478% | 2,648 |
| Memoranda: | ||
| Average total assets | $73,580,330 | 4,467 |
| Average earning assets | $67,159,330 | 4,476 |
| Average equity | $7,354,670 | 4,674 |
| Average total loans | $37,364,670 | 4,562 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 4,849 |
| Cost of funding earning assets | 0.5511% | 3,820 |
| Net interest margin | 3.1490% | 4,500 |
| Noninterest income to average assets | 2.1516% | 222 |
| Noninterest expense to average assets | 3.7239% | 731 |
| Loan and lease loss provision to assets | 0.0276% | 3,057 |
| Net operating income to assets | 0.9439% | 3,073 |
| Return on assets (ROA) | 0.9875% | 2,936 |
| Pretax return on assets | 1.3240% | 2,362 |
| Return on Equity (ROE) | 10.0007% | 2,373 |
| Retained earnings to average equity (ytd only) | 10.0007% | 1,033 |
| Net charge-offs to loans | 0.0637% | 1,403 |
| Credit loss provision to net charge-offs | 83.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | 39.1667% | 1,167 |
| Efficiency ratio | 72.8571% | 1,900 |
| Assets per employee ($millions) | 4.3221% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 3,958 |
| 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 | 50.0265% | 4,469 |
| Net loans and leases to deposits | 55.7786% | 4,607 |
| Net loans and leases to core deposits | 55.7786% | 4,724 |
| Total domestic deposits to total assets | 89.6876% | 567 |
| Equity capital to assets | 9.9884% | 3,840 |
| Core capital (leverage) ratio | 10.1286% | 3,454 |
| Tier 1 risk-based capital ratio | 15.2604% | 2,767 |
| Total risk-based capital ratio | 15.9989% | 2,922 |
| Memoranda: | ||
| Average total assets | $72,505,000 | 4,527 |
| Average earning assets | $66,052,000 | 4,542 |
| Average equity | $7,159,500 | 4,732 |
| Average total loans | $37,678,000 | 4,599 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 4,599 |
| Cost of funding earning assets | 0.3404% | 4,344 |
| Net interest margin | 3.4044% | 3,987 |
| Noninterest income to average assets | 2.1706% | 240 |
| Noninterest expense to average assets | 3.6028% | 869 |
| Loan and lease loss provision to assets | 0.0259% | 3,655 |
| Net operating income to assets | 1.1832% | 2,250 |
| Return on assets (ROA) | 1.1832% | 2,247 |
| Pretax return on assets | 1.5502% | 1,621 |
| Return on Equity (ROE) | 12.7205% | 1,458 |
| Retained earnings to average equity (ytd only) | 12.7205% | 256 |
| Net charge-offs to loans | 0.0399% | 2,605 |
| Credit loss provision to net charge-offs | 120.0000% | 2,167 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 908 |
| Efficiency ratio | 68.2324% | 2,498 |
| Assets per employee ($millions) | 4.4666% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 4,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 53.0210% | 4,348 |
| Net loans and leases to deposits | 58.8614% | 4,535 |
| Net loans and leases to core deposits | 58.8614% | 4,675 |
| Total domestic deposits to total assets | 90.0778% | 448 |
| Equity capital to assets | 9.5066% | 4,125 |
| Core capital (leverage) ratio | 10.0579% | 3,514 |
| Tier 1 risk-based capital ratio | 14.6907% | 2,968 |
| Total risk-based capital ratio | 15.4228% | 3,141 |
| Memoranda: | ||
| Average total assets | $69,474,600 | 4,589 |
| Average earning assets | $61,391,400 | 4,642 |
| Average equity | $6,462,000 | 4,832 |
| Average total loans | $37,614,200 | 4,621 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7075% | 4,631 |
| Cost of funding earning assets | 0.2891% | 4,590 |
| Net interest margin | 3.4184% | 3,952 |
| Noninterest income to average assets | 2.2017% | 242 |
| Noninterest expense to average assets | 3.5470% | 921 |
| Loan and lease loss provision to assets | 0.0116% | 3,767 |
| Net operating income to assets | 1.5908% | 981 |
| Return on assets (ROA) | 1.5908% | 987 |
| Pretax return on assets | 1.6372% | 1,460 |
| Return on Equity (ROE) | 17.2019% | 519 |
| Retained earnings to average equity (ytd only) | 17.2019% | 100 |
| Net charge-offs to loans | 0.0214% | 2,711 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 142.1625% | 571 |
| Efficiency ratio | 66.9271% | 2,722 |
| Assets per employee ($millions) | 4.2193% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 4,378 |
| 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 | 55.9280% | 4,226 |
| Net loans and leases to deposits | 61.7739% | 4,453 |
| Net loans and leases to core deposits | 61.7739% | 4,625 |
| Total domestic deposits to total assets | 90.5365% | 328 |
| Equity capital to assets | 9.2920% | 4,287 |
| Core capital (leverage) ratio | 10.2213% | 3,380 |
| Tier 1 risk-based capital ratio | 14.2204% | 3,261 |
| Total risk-based capital ratio | 14.9241% | 3,444 |
| Memoranda: | ||
| Average total assets | $68,976,750 | 4,642 |
| Average earning assets | $60,417,250 | 4,711 |
| Average equity | $6,379,000 | 4,894 |
| Average total loans | $37,456,250 | 4,672 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 4,704 |
| Cost of funding earning assets | 0.2387% | 4,810 |
| Net interest margin | 3.3991% | 3,956 |
| Noninterest income to average assets | 2.2098% | 243 |
| Noninterest expense to average assets | 3.5704% | 905 |
| Loan and lease loss provision to assets | 0.0088% | 3,670 |
| Net operating income to assets | 1.5134% | 1,123 |
| Return on assets (ROA) | 1.5134% | 1,123 |
| Pretax return on assets | 1.5604% | 1,635 |
| Return on Equity (ROE) | 16.3917% | 599 |
| Retained earnings to average equity (ytd only) | 16.3917% | 142 |
| Net charge-offs to loans | 0.0165% | 2,590 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 458 |
| Efficiency ratio | 68.0961% | 2,629 |
| Assets per employee ($millions) | 3.7951% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 4,333 |
| 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 | 56.4161% | 4,126 |
| Net loans and leases to deposits | 62.3316% | 4,401 |
| Net loans and leases to core deposits | 62.3316% | 4,587 |
| Total domestic deposits to total assets | 90.5097% | 394 |
| Equity capital to assets | 9.3541% | 4,238 |
| Core capital (leverage) ratio | 9.8433% | 3,740 |
| Tier 1 risk-based capital ratio | 14.3041% | 3,205 |
| Total risk-based capital ratio | 15.0454% | 3,377 |
| Memoranda: | ||
| Average total assets | $68,059,670 | 4,711 |
| Average earning assets | $58,662,330 | 4,801 |
| Average equity | $6,283,670 | 4,959 |
| Average total loans | $36,452,670 | 4,738 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4976% | 4,880 |
| Cost of funding earning assets | 0.1518% | 5,258 |
| Net interest margin | 3.3459% | 4,065 |
| Noninterest income to average assets | 2.3552% | 215 |
| Noninterest expense to average assets | 3.5034% | 995 |
| Loan and lease loss provision to assets | 0.0177% | 3,307 |
| Net operating income to assets | 1.6428% | 772 |
| Return on assets (ROA) | 1.6428% | 774 |
| Pretax return on assets | 1.6899% | 1,140 |
| Return on Equity (ROE) | 17.9119% | 424 |
| Retained earnings to average equity (ytd only) | 17.9119% | 160 |
| Net charge-offs to loans | 0.0341% | 1,831 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 96.6667% | 629 |
| Efficiency ratio | 65.8757% | 3,186 |
| Assets per employee ($millions) | 4.3419% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 4,118 |
| 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 | 51.5985% | 4,463 |
| Net loans and leases to deposits | 56.7462% | 4,662 |
| Net loans and leases to core deposits | 56.7462% | 4,806 |
| Total domestic deposits to total assets | 90.9286% | 341 |
| Equity capital to assets | 8.9706% | 4,588 |
| Core capital (leverage) ratio | 9.7799% | 3,776 |
| Tier 1 risk-based capital ratio | 14.7113% | 3,022 |
| Total risk-based capital ratio | 15.5027% | 3,173 |
| Memoranda: | ||
| Average total assets | $67,933,500 | 4,774 |
| Average earning assets | $57,982,000 | 4,876 |
| Average equity | $6,230,500 | 5,020 |
| Average total loans | $35,234,000 | 4,824 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2049% | 5,182 |
| Cost of funding earning assets | 0.1545% | 5,234 |
| Net interest margin | 3.0503% | 4,790 |
| Noninterest income to average assets | 2.2817% | 247 |
| Noninterest expense to average assets | 3.7718% | 719 |
| Loan and lease loss provision to assets | 0.0348% | 3,570 |
| Net operating income to assets | 1.0555% | 2,037 |
| Return on assets (ROA) | 1.0555% | 2,059 |
| Pretax return on assets | 1.0950% | 3,206 |
| Return on Equity (ROE) | 11.1874% | 1,407 |
| Retained earnings to average equity (ytd only) | 11.1874% | 229 |
| Net charge-offs to loans | 0.1495% | 1,599 |
| Credit loss provision to net charge-offs | 46.8085% | 3,367 |
| Earnings coverage of net charge-offs (x) | 15.2128% | 2,261 |
| Efficiency ratio | 75.4030% | 1,705 |
| Assets per employee ($millions) | 4.4264% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 3,780 |
| 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 | 51.0874% | 4,585 |
| Net loans and leases to deposits | 56.4468% | 4,780 |
| Net loans and leases to core deposits | 56.4468% | 4,919 |
| Total domestic deposits to total assets | 90.5055% | 396 |
| Equity capital to assets | 9.3816% | 4,354 |
| Core capital (leverage) ratio | 10.2333% | 3,147 |
| Tier 1 risk-based capital ratio | 14.7238% | 2,977 |
| Total risk-based capital ratio | 15.5410% | 3,096 |
| Memoranda: | ||
| Average total assets | $63,285,800 | 4,893 |
| Average earning assets | $54,355,000 | 4,988 |
| Average equity | $5,971,000 | 5,107 |
| Average total loans | $31,438,800 | 4,986 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1778% | 5,257 |
| Cost of funding earning assets | 0.1594% | 5,256 |
| Net interest margin | 3.0184% | 4,882 |
| Noninterest income to average assets | 2.3527% | 243 |
| Noninterest expense to average assets | 3.7519% | 718 |
| Loan and lease loss provision to assets | 0.0363% | 3,386 |
| Net operating income to assets | 1.0964% | 2,106 |
| Return on assets (ROA) | 1.0964% | 2,159 |
| Pretax return on assets | 1.1497% | 3,118 |
| Return on Equity (ROE) | 11.6028% | 1,459 |
| Retained earnings to average equity (ytd only) | 11.6028% | 331 |
| Net charge-offs to loans | 0.0521% | 2,400 |
| Credit loss provision to net charge-offs | 141.6667% | 1,760 |
| Earnings coverage of net charge-offs (x) | 46.3319% | 1,174 |
| Efficiency ratio | 74.4276% | 1,825 |
| Assets per employee ($millions) | 3.9204% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 2,624 |
| 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 | 47.8773% | 4,835 |
| Net loans and leases to deposits | 53.2445% | 4,994 |
| Net loans and leases to core deposits | 53.2445% | 5,093 |
| Total domestic deposits to total assets | 89.9198% | 500 |
| Equity capital to assets | 9.9590% | 3,951 |
| Core capital (leverage) ratio | 10.0150% | 3,545 |
| Tier 1 risk-based capital ratio | 15.7629% | 2,605 |
| Total risk-based capital ratio | 16.7353% | 2,664 |
| Memoranda: | ||
| Average total assets | $62,508,250 | 4,967 |
| Average earning assets | $53,537,000 | 5,059 |
| Average equity | $5,906,500 | 5,168 |
| Average total loans | $30,730,750 | 5,055 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1200% | 5,330 |
| Cost of funding earning assets | 0.1547% | 5,309 |
| Net interest margin | 2.9653% | 4,981 |
| Noninterest income to average assets | 2.4794% | 233 |
| Noninterest expense to average assets | 3.7703% | 697 |
| Loan and lease loss provision to assets | 0.0288% | 3,420 |
| Net operating income to assets | 1.1436% | 1,807 |
| Return on assets (ROA) | 1.1436% | 1,860 |
| Pretax return on assets | 1.1980% | 2,780 |
| Return on Equity (ROE) | 12.3252% | 1,202 |
| Retained earnings to average equity (ytd only) | 12.3252% | 291 |
| Net charge-offs to loans | 0.0519% | 2,179 |
| Credit loss provision to net charge-offs | 112.5000% | 1,857 |
| Earnings coverage of net charge-offs (x) | 47.8750% | 1,106 |
| Efficiency ratio | 73.9103% | 2,032 |
| Assets per employee ($millions) | 3.9694% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 2,718 |
| 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 | 47.0540% | 4,879 |
| Net loans and leases to deposits | 52.1390% | 5,052 |
| Net loans and leases to core deposits | 52.1390% | 5,141 |
| Total domestic deposits to total assets | 90.2472% | 448 |
| Equity capital to assets | 9.6253% | 4,288 |
| Core capital (leverage) ratio | 9.7683% | 3,814 |
| Tier 1 risk-based capital ratio | 15.3996% | 2,746 |
| Total risk-based capital ratio | 16.3682% | 2,813 |
| Memoranda: | ||
| Average total assets | $62,435,330 | 5,009 |
| Average earning assets | $53,013,000 | 5,102 |
| Average equity | $5,793,000 | 5,220 |
| Average total loans | $30,836,670 | 5,085 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9847% | 5,473 |
| Cost of funding earning assets | 0.1511% | 5,366 |
| Net interest margin | 2.8336% | 5,198 |
| Noninterest income to average assets | 2.3652% | 253 |
| Noninterest expense to average assets | 3.7416% | 730 |
| Loan and lease loss provision to assets | 0.0388% | 3,022 |
| Net operating income to assets | 0.9499% | 2,529 |
| Return on assets (ROA) | 0.9499% | 2,588 |
| Pretax return on assets | 1.0081% | 3,332 |
| Return on Equity (ROE) | 10.4385% | 1,762 |
| Retained earnings to average equity (ytd only) | 10.4385% | 717 |
| Net charge-offs to loans | 0.0643% | 1,690 |
| Credit loss provision to net charge-offs | 120.0000% | 1,399 |
| Earnings coverage of net charge-offs (x) | 32.4000% | 1,173 |
| Efficiency ratio | 76.5182% | 1,829 |
| Assets per employee ($millions) | 3.8349% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 2,746 |
| 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 | 48.0696% | 4,817 |
| Net loans and leases to deposits | 53.0934% | 4,985 |
| Net loans and leases to core deposits | 53.0934% | 5,100 |
| Total domestic deposits to total assets | 90.5377% | 456 |
| Equity capital to assets | 9.3727% | 4,421 |
| Core capital (leverage) ratio | 9.6188% | 3,966 |
| Tier 1 risk-based capital ratio | 15.0808% | 2,930 |
| Total risk-based capital ratio | 16.0655% | 2,985 |
| Memoranda: | ||
| Average total assets | $61,898,000 | 5,075 |
| Average earning assets | $52,936,000 | 5,157 |
| Average equity | $5,633,000 | 5,298 |
| Average total loans | $31,124,500 | 5,123 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2025% | 5,300 |
| Cost of funding earning assets | 0.1842% | 5,166 |
| Net interest margin | 3.0183% | 4,922 |
| Noninterest income to average assets | 2.3103% | 283 |
| Noninterest expense to average assets | 3.8504% | 728 |
| Loan and lease loss provision to assets | 0.0103% | 4,170 |
| Net operating income to assets | 0.9631% | 2,527 |
| Return on assets (ROA) | 0.9845% | 2,521 |
| Pretax return on assets | 1.0291% | 3,373 |
| Return on Equity (ROE) | 10.3625% | 1,821 |
| Retained earnings to average equity (ytd only) | 10.3625% | 365 |
| Net charge-offs to loans | 0.0061% | 4,043 |
| Credit loss provision to net charge-offs | 300.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 296.5000% | 253 |
| Efficiency ratio | 77.4137% | 1,788 |
| Assets per employee ($millions) | 4.1625% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 3,360 |
| 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 | 51.2533% | 4,670 |
| Net loans and leases to deposits | 56.2932% | 4,899 |
| Net loans and leases to core deposits | 56.3924% | 5,034 |
| Total domestic deposits to total assets | 91.0470% | 266 |
| Equity capital to assets | 8.8329% | 4,981 |
| Core capital (leverage) ratio | 9.2564% | 4,397 |
| Tier 1 risk-based capital ratio | 13.8867% | 3,527 |
| Total risk-based capital ratio | 14.8000% | 3,648 |
| Memoranda: | ||
| Average total assets | $58,305,200 | 5,183 |
| Average earning assets | $49,398,400 | 5,260 |
| Average equity | $5,539,200 | 5,359 |
| Average total loans | $32,810,800 | 5,103 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2396% | 5,303 |
| Cost of funding earning assets | 0.1899% | 5,179 |
| Net interest margin | 3.0497% | 4,901 |
| Noninterest income to average assets | 2.3164% | 287 |
| Noninterest expense to average assets | 3.9180% | 653 |
| Loan and lease loss provision to assets | 0.0070% | 4,088 |
| Net operating income to assets | 0.9234% | 2,789 |
| Return on assets (ROA) | 0.9522% | 2,785 |
| Pretax return on assets | 1.0010% | 3,625 |
| Return on Equity (ROE) | 9.8340% | 2,125 |
| Retained earnings to average equity (ytd only) | 9.8340% | 605 |
| Net charge-offs to loans | 0.0040% | 3,781 |
| Credit loss provision to net charge-offs | 300.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 421.0451% | 213 |
| Efficiency ratio | 78.3167% | 1,646 |
| Assets per employee ($millions) | 4.0069% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 3,806 |
| 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 | 55.6994% | 4,339 |
| Net loans and leases to deposits | 61.7395% | 4,644 |
| Net loans and leases to core deposits | 61.8696% | 4,841 |
| Total domestic deposits to total assets | 90.2168% | 401 |
| Equity capital to assets | 9.6385% | 4,527 |
| Core capital (leverage) ratio | 9.4271% | 4,290 |
| Tier 1 risk-based capital ratio | 13.2656% | 3,996 |
| Total risk-based capital ratio | 14.1603% | 4,133 |
| Memoranda: | ||
| Average total assets | $57,272,250 | 5,248 |
| Average earning assets | $48,441,250 | 5,330 |
| Average equity | $5,545,250 | 5,413 |
| Average total loans | $32,919,250 | 5,153 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3259% | 5,236 |
| Cost of funding earning assets | 0.2004% | 5,138 |
| Net interest margin | 3.1255% | 4,760 |
| Noninterest income to average assets | 2.4286% | 262 |
| Noninterest expense to average assets | 3.9909% | 598 |
| Loan and lease loss provision to assets | 0.0036% | 3,971 |
| Net operating income to assets | 0.9792% | 2,472 |
| Return on assets (ROA) | 1.0226% | 2,423 |
| Pretax return on assets | 1.0829% | 3,270 |
| Return on Equity (ROE) | 10.5443% | 1,831 |
| Retained earnings to average equity (ytd only) | 10.5443% | 499 |
| Net charge-offs to loans | 0.0061% | 3,475 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 293.0000% | 236 |
| Efficiency ratio | 77.6288% | 1,848 |
| Assets per employee ($millions) | 3.7744% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,980 |
| 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 | 59.4620% | 3,953 |
| Net loans and leases to deposits | 66.1369% | 4,339 |
| Net loans and leases to core deposits | 66.2853% | 4,588 |
| Total domestic deposits to total assets | 89.9074% | 528 |
| Equity capital to assets | 9.9777% | 4,253 |
| Core capital (leverage) ratio | 9.5774% | 4,095 |
| Tier 1 risk-based capital ratio | 13.1471% | 4,108 |
| Total risk-based capital ratio | 14.0499% | 4,228 |
| Memoranda: | ||
| Average total assets | $56,328,670 | 5,331 |
| Average earning assets | $46,904,670 | 5,425 |
| Average equity | $5,462,670 | 5,482 |
| Average total loans | $32,608,670 | 5,214 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3578% | 5,211 |
| Cost of funding earning assets | 0.2077% | 5,128 |
| Net interest margin | 3.1501% | 4,726 |
| Noninterest income to average assets | 2.7196% | 225 |
| Noninterest expense to average assets | 4.0295% | 580 |
| Loan and lease loss provision to assets | -0.0071% | 5,881 |
| Net operating income to assets | 1.1960% | 1,571 |
| Return on assets (ROA) | 1.1960% | 1,672 |
| Pretax return on assets | 1.2886% | 2,357 |
| Return on Equity (ROE) | 12.5151% | 1,150 |
| Retained earnings to average equity (ytd only) | 12.5151% | 436 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2627% | 2,432 |
| Assets per employee ($millions) | 3.8222% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 3,667 |
| 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 | 54.6997% | 4,384 |
| Net loans and leases to deposits | 60.5156% | 4,679 |
| Net loans and leases to core deposits | 60.7665% | 4,885 |
| Total domestic deposits to total assets | 90.3895% | 469 |
| Equity capital to assets | 9.5425% | 4,633 |
| Core capital (leverage) ratio | 9.7814% | 3,801 |
| Tier 1 risk-based capital ratio | 13.4308% | 4,023 |
| Total risk-based capital ratio | 14.3728% | 4,102 |
| Memoranda: | ||
| Average total assets | $56,185,000 | 5,380 |
| Average earning assets | $46,220,500 | 5,486 |
| Average equity | $5,369,500 | 5,537 |
| Average total loans | $31,894,500 | 5,272 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2674% | 5,399 |
| Cost of funding earning assets | 0.2190% | 5,104 |
| Net interest margin | 3.0484% | 5,028 |
| Noninterest income to average assets | 2.7037% | 244 |
| Noninterest expense to average assets | 4.6961% | 359 |
| Loan and lease loss provision to assets | 0.0391% | 3,553 |
| Net operating income to assets | 0.5827% | 4,369 |
| Return on assets (ROA) | 0.5679% | 4,518 |
| Pretax return on assets | 0.5716% | 4,932 |
| Return on Equity (ROE) | 5.9780% | 4,042 |
| Retained earnings to average equity (ytd only) | 5.9780% | 1,802 |
| Net charge-offs to loans | 0.0690% | 2,858 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 2,163 |
| Efficiency ratio | 85.5143% | 1,039 |
| Assets per employee ($millions) | 3.6691% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 3,699 |
| 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 | 57.5704% | 4,141 |
| Net loans and leases to deposits | 63.7282% | 4,486 |
| Net loans and leases to core deposits | 64.0036% | 4,738 |
| Total domestic deposits to total assets | 90.3374% | 486 |
| Equity capital to assets | 9.5717% | 4,472 |
| Core capital (leverage) ratio | 9.4041% | 4,314 |
| Tier 1 risk-based capital ratio | 13.2825% | 4,114 |
| Total risk-based capital ratio | 14.2283% | 4,242 |
| Memoranda: | ||
| Average total assets | $53,704,200 | 5,463 |
| Average earning assets | $46,122,600 | 5,522 |
| Average equity | $5,102,000 | 5,632 |
| Average total loans | $30,426,000 | 5,346 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2265% | 5,548 |
| Cost of funding earning assets | 0.2174% | 5,213 |
| Net interest margin | 3.0091% | 5,166 |
| Noninterest income to average assets | 2.7705% | 235 |
| Noninterest expense to average assets | 4.8714% | 311 |
| Loan and lease loss provision to assets | 0.0375% | 3,462 |
| Net operating income to assets | 0.4494% | 4,971 |
| Return on assets (ROA) | 0.4247% | 5,155 |
| Pretax return on assets | 0.4297% | 5,402 |
| Return on Equity (ROE) | 4.4790% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.4790% | 3,278 |
| Net charge-offs to loans | 0.0711% | 2,548 |
| Credit loss provision to net charge-offs | 93.7500% | 2,414 |
| Earnings coverage of net charge-offs (x) | 12.3141% | 2,415 |
| Efficiency ratio | 87.7969% | 857 |
| Assets per employee ($millions) | 3.2961% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 3,798 |
| 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 | 59.2582% | 3,971 |
| Net loans and leases to deposits | 65.8859% | 4,393 |
| Net loans and leases to core deposits | 66.1845% | 4,673 |
| Total domestic deposits to total assets | 89.9406% | 594 |
| Equity capital to assets | 9.9001% | 4,284 |
| Core capital (leverage) ratio | 9.8071% | 3,890 |
| Tier 1 risk-based capital ratio | 13.2978% | 4,254 |
| Total risk-based capital ratio | 14.2682% | 4,345 |
| Memoranda: | ||
| Average total assets | $53,371,000 | 5,547 |
| Average earning assets | $45,992,750 | 5,594 |
| Average equity | $5,060,500 | 5,708 |
| Average total loans | $30,018,250 | 5,423 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2115% | 5,603 |
| Cost of funding earning assets | 0.2191% | 5,261 |
| Net interest margin | 2.9924% | 5,243 |
| Noninterest income to average assets | 3.0271% | 212 |
| Noninterest expense to average assets | 5.0278% | 285 |
| Loan and lease loss provision to assets | 0.0448% | 3,215 |
| Net operating income to assets | 0.4957% | 4,787 |
| Return on assets (ROA) | 0.4591% | 5,040 |
| Pretax return on assets | 0.4666% | 5,311 |
| Return on Equity (ROE) | 4.9131% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.9131% | 2,911 |
| Net charge-offs to loans | 0.0882% | 2,153 |
| Credit loss provision to net charge-offs | 92.3077% | 2,167 |
| Earnings coverage of net charge-offs (x) | 11.3077% | 2,303 |
| Efficiency ratio | 86.7470% | 996 |
| Assets per employee ($millions) | 3.2391% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 3,545 |
| 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 | 56.8942% | 4,236 |
| Net loans and leases to deposits | 63.1798% | 4,605 |
| Net loans and leases to core deposits | 63.4708% | 4,849 |
| Total domestic deposits to total assets | 90.0513% | 644 |
| Equity capital to assets | 9.7924% | 4,288 |
| Core capital (leverage) ratio | 9.5952% | 4,142 |
| Tier 1 risk-based capital ratio | 13.9805% | 3,944 |
| Total risk-based capital ratio | 15.0113% | 3,996 |
| Memoranda: | ||
| Average total assets | $53,582,330 | 5,602 |
| Average earning assets | $45,648,670 | 5,664 |
| Average equity | $5,007,000 | 5,778 |
| Average total loans | $29,483,670 | 5,492 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2402% | 5,577 |
| Cost of funding earning assets | 0.2189% | 5,328 |
| Net interest margin | 3.0212% | 5,154 |
| Noninterest income to average assets | 2.8938% | 229 |
| Noninterest expense to average assets | 4.9724% | 298 |
| Loan and lease loss provision to assets | 0.0294% | 3,298 |
| Net operating income to assets | 0.4260% | 4,968 |
| Return on assets (ROA) | 0.3746% | 5,289 |
| Pretax return on assets | 0.3746% | 5,486 |
| Return on Equity (ROE) | 4.1022% | 4,943 |
| Retained earnings to average equity (ytd only) | 4.1022% | 3,544 |
| Net charge-offs to loans | 0.0683% | 2,051 |
| Credit loss provision to net charge-offs | 80.0000% | 1,825 |
| Earnings coverage of net charge-offs (x) | 12.4000% | 1,801 |
| Efficiency ratio | 88.0920% | 1,009 |
| Assets per employee ($millions) | 2.6903% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 3,736 |
| 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 | 54.8964% | 4,331 |
| Net loans and leases to deposits | 60.9123% | 4,670 |
| Net loans and leases to core deposits | 61.1823% | 4,900 |
| Total domestic deposits to total assets | 90.1236% | 686 |
| Equity capital to assets | 9.4657% | 4,789 |
| Core capital (leverage) ratio | 9.1297% | 4,811 |
| Tier 1 risk-based capital ratio | 13.1392% | 4,536 |
| Total risk-based capital ratio | 14.1471% | 4,582 |
| Memoranda: | ||
| Average total assets | $54,460,500 | 5,627 |
| Average earning assets | $45,676,500 | 5,715 |
| Average equity | $4,973,000 | 5,840 |
| Average total loans | $29,297,000 | 5,548 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2578% | 5,763 |
| Cost of funding earning assets | 0.2547% | 5,274 |
| Net interest margin | 3.0031% | 5,443 |
| Noninterest income to average assets | 2.7878% | 208 |
| Noninterest expense to average assets | 5.0810% | 293 |
| Loan and lease loss provision to assets | 0.0133% | 4,356 |
| Net operating income to assets | 0.2634% | 5,613 |
| Return on assets (ROA) | 0.2596% | 5,691 |
| Pretax return on assets | 0.2596% | 5,775 |
| Return on Equity (ROE) | 3.0820% | 5,448 |
| Retained earnings to average equity (ytd only) | 3.0820% | 4,048 |
| Net charge-offs to loans | 0.0262% | 4,300 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 20.8571% | 1,709 |
| Efficiency ratio | 91.1213% | 772 |
| Assets per employee ($millions) | 2.6246% | 6,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 3,445 |
| 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 | 51.3717% | 4,845 |
| Net loans and leases to deposits | 56.3979% | 5,158 |
| Net loans and leases to core deposits | 56.7529% | 5,332 |
| Total domestic deposits to total assets | 91.0879% | 339 |
| Equity capital to assets | 8.8051% | 5,483 |
| Core capital (leverage) ratio | 8.0025% | 6,003 |
| Tier 1 risk-based capital ratio | 11.8423% | 5,467 |
| Total risk-based capital ratio | 12.8845% | 5,492 |
| Memoranda: | ||
| Average total assets | $52,765,600 | 5,726 |
| Average earning assets | $45,153,400 | 5,792 |
| Average equity | $4,445,200 | 5,997 |
| Average total loans | $26,710,000 | 5,712 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2261% | 5,873 |
| Cost of funding earning assets | 0.2639% | 5,268 |
| Net interest margin | 2.9622% | 5,583 |
| Noninterest income to average assets | 2.7520% | 215 |
| Noninterest expense to average assets | 5.1259% | 283 |
| Loan and lease loss provision to assets | 0.0077% | 4,264 |
| Net operating income to assets | 0.1712% | 5,904 |
| Return on assets (ROA) | 0.1712% | 5,942 |
| Pretax return on assets | 0.1712% | 5,981 |
| Return on Equity (ROE) | 2.0568% | 5,826 |
| Retained earnings to average equity (ytd only) | 2.0568% | 5,026 |
| Net charge-offs to loans | 0.0153% | 4,246 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 23.3325% | 1,590 |
| Efficiency ratio | 92.8227% | 658 |
| Assets per employee ($millions) | 2.5098% | 6,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 2,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 45.0527% | 5,452 |
| Net loans and leases to deposits | 49.3844% | 5,683 |
| Net loans and leases to core deposits | 49.7090% | 5,805 |
| Total domestic deposits to total assets | 91.2285% | 297 |
| Equity capital to assets | 8.6633% | 5,674 |
| Core capital (leverage) ratio | 8.2243% | 5,905 |
| Tier 1 risk-based capital ratio | 13.0490% | 4,838 |
| Total risk-based capital ratio | 14.2243% | 4,799 |
| Memoranda: | ||
| Average total assets | $52,178,000 | 5,801 |
| Average earning assets | $44,965,000 | 5,866 |
| Average equity | $4,343,250 | 6,084 |
| Average total loans | $26,216,000 | 5,790 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2718% | 5,839 |
| Cost of funding earning assets | 0.2649% | 5,334 |
| Net interest margin | 3.0069% | 5,504 |
| Noninterest income to average assets | 2.7576% | 211 |
| Noninterest expense to average assets | 5.1728% | 284 |
| Loan and lease loss provision to assets | 0.0077% | 4,082 |
| Net operating income to assets | 0.1961% | 5,847 |
| Return on assets (ROA) | 0.1961% | 5,903 |
| Pretax return on assets | 0.1961% | 5,953 |
| Return on Equity (ROE) | 2.3893% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.3893% | 4,686 |
| Net charge-offs to loans | 0.0149% | 3,939 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,367 |
| Efficiency ratio | 92.4893% | 733 |
| Assets per employee ($millions) | 2.4808% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 3,023 |
| 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 | 47.8454% | 5,185 |
| Net loans and leases to deposits | 52.4338% | 5,469 |
| Net loans and leases to core deposits | 52.8967% | 5,619 |
| Total domestic deposits to total assets | 91.2490% | 324 |
| Equity capital to assets | 8.6493% | 5,665 |
| Core capital (leverage) ratio | 8.0684% | 6,045 |
| Tier 1 risk-based capital ratio | 12.5978% | 5,158 |
| Total risk-based capital ratio | 13.7442% | 5,157 |
| Memoranda: | ||
| Average total assets | $52,002,330 | 5,856 |
| Average earning assets | $45,295,670 | 5,908 |
| Average equity | $4,269,000 | 6,146 |
| Average total loans | $26,915,670 | 5,803 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2972% | 5,846 |
| Cost of funding earning assets | 0.2638% | 5,455 |
| Net interest margin | 3.0334% | 5,437 |
| Noninterest income to average assets | 2.7562% | 209 |
| Noninterest expense to average assets | 5.1814% | 284 |
| Loan and lease loss provision to assets | 0.0077% | 3,718 |
| Net operating income to assets | 0.2233% | 5,733 |
| Return on assets (ROA) | 0.2233% | 5,787 |
| Pretax return on assets | 0.2233% | 5,882 |
| Return on Equity (ROE) | 2.7948% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.7948% | 4,414 |
| Net charge-offs to loans | 0.0144% | 3,308 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,055 |
| Efficiency ratio | 92.0341% | 880 |
| Assets per employee ($millions) | 2.4666% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 3,782 |
| 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 | 52.0164% | 4,675 |
| Net loans and leases to deposits | 56.7493% | 5,055 |
| Net loans and leases to core deposits | 57.3765% | 5,248 |
| Total domestic deposits to total assets | 91.6601% | 341 |
| Equity capital to assets | 8.2434% | 5,872 |
| Core capital (leverage) ratio | 8.0179% | 6,104 |
| Tier 1 risk-based capital ratio | 11.7936% | 5,767 |
| Total risk-based capital ratio | 12.8795% | 5,793 |
| Memoranda: | ||
| Average total assets | $51,955,000 | 5,915 |
| Average earning assets | $45,493,500 | 5,955 |
| Average equity | $4,150,500 | 6,210 |
| Average total loans | $27,724,500 | 5,817 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2789% | 6,027 |
| Cost of funding earning assets | 0.3856% | 4,793 |
| Net interest margin | 2.8933% | 5,800 |
| Noninterest income to average assets | 2.7374% | 249 |
| Noninterest expense to average assets | 5.0626% | 337 |
| Loan and lease loss provision to assets | 0.0204% | 4,726 |
| Net operating income to assets | 0.1207% | 5,999 |
| Return on assets (ROA) | 0.1467% | 6,016 |
| Pretax return on assets | 0.1467% | 6,020 |
| Return on Equity (ROE) | 1.7744% | 5,910 |
| Retained earnings to average equity (ytd only) | 1.7744% | 4,969 |
| Net charge-offs to loans | 0.0705% | 4,224 |
| Credit loss provision to net charge-offs | 61.1111% | 3,526 |
| Earnings coverage of net charge-offs (x) | 4.2222% | 3,630 |
| Efficiency ratio | 93.5403% | 771 |
| Assets per employee ($millions) | 2.7427% | 6,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 4,028 |
| 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 | 53.2728% | 4,685 |
| Net loans and leases to deposits | 57.8186% | 5,140 |
| Net loans and leases to core deposits | 58.5725% | 5,343 |
| Total domestic deposits to total assets | 92.1379% | 259 |
| Equity capital to assets | 7.7354% | 6,170 |
| Core capital (leverage) ratio | 7.5993% | 6,339 |
| Tier 1 risk-based capital ratio | 11.3857% | 5,975 |
| Total risk-based capital ratio | 12.4486% | 6,024 |
| Memoranda: | ||
| Average total assets | $53,846,000 | 5,921 |
| Average earning assets | $45,899,600 | 5,994 |
| Average equity | $4,452,200 | 6,219 |
| Average total loans | $25,522,600 | 5,957 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2465% | 6,140 |
| Cost of funding earning assets | 0.4044% | 4,787 |
| Net interest margin | 2.8422% | 5,938 |
| Noninterest income to average assets | 2.8076% | 256 |
| Noninterest expense to average assets | 5.1067% | 316 |
| Loan and lease loss provision to assets | 0.0197% | 4,614 |
| Net operating income to assets | 0.0811% | 6,170 |
| Return on assets (ROA) | 0.1105% | 6,184 |
| Pretax return on assets | 0.1105% | 6,201 |
| Return on Equity (ROE) | 1.3165% | 6,114 |
| Retained earnings to average equity (ytd only) | 1.3165% | 5,455 |
| Net charge-offs to loans | 0.0804% | 3,802 |
| Credit loss provision to net charge-offs | 53.3333% | 3,428 |
| Earnings coverage of net charge-offs (x) | 2.7335% | 3,925 |
| Efficiency ratio | 94.3396% | 716 |
| Assets per employee ($millions) | 2.9241% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 3,660 |
| 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 | 47.8483% | 5,359 |
| Net loans and leases to deposits | 51.9290% | 5,712 |
| Net loans and leases to core deposits | 52.9632% | 5,834 |
| Total domestic deposits to total assets | 92.1418% | 230 |
| Equity capital to assets | 7.7005% | 6,306 |
| Core capital (leverage) ratio | 7.5902% | 6,414 |
| Tier 1 risk-based capital ratio | 11.9003% | 5,836 |
| Total risk-based capital ratio | 13.0284% | 5,866 |
| Memoranda: | ||
| Average total assets | $54,279,750 | 5,979 |
| Average earning assets | $45,832,250 | 6,061 |
| Average equity | $4,557,500 | 6,266 |
| Average total loans | $24,870,000 | 6,046 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2348% | 6,181 |
| Cost of funding earning assets | 0.4212% | 4,743 |
| Net interest margin | 2.8136% | 5,978 |
| Noninterest income to average assets | 2.9182% | 265 |
| Noninterest expense to average assets | 5.1907% | 313 |
| Loan and lease loss provision to assets | 0.0182% | 4,528 |
| Net operating income to assets | 0.0730% | 6,195 |
| Return on assets (ROA) | 0.1167% | 6,189 |
| Pretax return on assets | 0.1167% | 6,207 |
| Return on Equity (ROE) | 1.3543% | 6,132 |
| Retained earnings to average equity (ytd only) | 1.3543% | 5,345 |
| Net charge-offs to loans | 0.1055% | 3,304 |
| Credit loss provision to net charge-offs | 38.4615% | 3,445 |
| Earnings coverage of net charge-offs (x) | 1.9231% | 3,878 |
| Efficiency ratio | 94.6133% | 733 |
| Assets per employee ($millions) | 2.6752% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 3,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 48.1142% | 5,318 |
| Net loans and leases to deposits | 52.4639% | 5,647 |
| Net loans and leases to core deposits | 54.0127% | 5,754 |
| Total domestic deposits to total assets | 91.7090% | 309 |
| Equity capital to assets | 8.1676% | 6,077 |
| Core capital (leverage) ratio | 7.3885% | 6,497 |
| Tier 1 risk-based capital ratio | 11.6418% | 6,036 |
| Total risk-based capital ratio | 12.7536% | 6,075 |
| Memoranda: | ||
| Average total assets | $54,828,670 | 6,004 |
| Average earning assets | $46,061,670 | 6,100 |
| Average equity | $4,725,670 | 6,263 |
| Average total loans | $24,641,330 | 6,089 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2628% | 6,221 |
| Cost of funding earning assets | 0.4449% | 4,647 |
| Net interest margin | 2.8179% | 5,993 |
| Noninterest income to average assets | 2.8041% | 276 |
| Noninterest expense to average assets | 5.2405% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1081% | 6,450 |
| Return on assets (ROA) | -0.1081% | 6,499 |
| Pretax return on assets | -0.1081% | 6,489 |
| Return on Equity (ROE) | -1.2236% | 6,511 |
| Retained earnings to average equity (ytd only) | -1.2236% | 5,980 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3146% | 623 |
| Assets per employee ($millions) | 2.5027% | 6,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5570% | 3,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 4,960 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 43.5198% | 5,712 |
| Net loans and leases to deposits | 47.8455% | 5,930 |
| Net loans and leases to core deposits | 49.5328% | 6,003 |
| Total domestic deposits to total assets | 90.9590% | 539 |
| Equity capital to assets | 8.9212% | 5,586 |
| Core capital (leverage) ratio | 7.2662% | 6,559 |
| Tier 1 risk-based capital ratio | 11.9829% | 5,925 |
| Total risk-based capital ratio | 13.1743% | 5,930 |
| Memoranda: | ||
| Average total assets | $55,491,000 | 6,034 |
| Average earning assets | $45,850,000 | 6,163 |
| Average equity | $4,903,500 | 6,279 |
| Average total loans | $23,905,000 | 6,183 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7328% | 5,987 |
| Cost of funding earning assets | 0.6277% | 4,118 |
| Net interest margin | 3.1051% | 5,801 |
| Noninterest income to average assets | 1.4571% | 738 |
| Noninterest expense to average assets | 4.2422% | 728 |
| Loan and lease loss provision to assets | 0.0247% | 5,585 |
| Net operating income to assets | -0.1501% | 6,342 |
| Return on assets (ROA) | -0.0057% | 6,311 |
| Pretax return on assets | -0.0057% | 6,288 |
| Return on Equity (ROE) | -0.0601% | 6,312 |
| Retained earnings to average equity (ytd only) | -0.0601% | 5,853 |
| Net charge-offs to loans | 0.0243% | 5,562 |
| Credit loss provision to net charge-offs | 216.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | -11.0000% | 5,943 |
| Efficiency ratio | 100.8768% | 529 |
| Assets per employee ($millions) | 2.3301% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 3,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 5,075 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 41.2897% | 6,069 |
| Net loans and leases to deposits | 45.2932% | 6,286 |
| Net loans and leases to core deposits | 47.1513% | 6,319 |
| Total domestic deposits to total assets | 91.1609% | 443 |
| Equity capital to assets | 8.7533% | 5,793 |
| Core capital (leverage) ratio | 7.3808% | 6,547 |
| Tier 1 risk-based capital ratio | 12.0978% | 5,722 |
| Total risk-based capital ratio | 13.3137% | 5,707 |
| Memoranda: | ||
| Average total assets | $52,638,200 | 6,129 |
| Average earning assets | $45,086,800 | 6,204 |
| Average equity | $4,992,800 | 6,292 |
| Average total loans | $24,685,800 | 6,211 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8235% | 5,962 |
| Cost of funding earning assets | 0.6704% | 4,014 |
| Net interest margin | 3.1531% | 5,815 |
| Noninterest income to average assets | 1.0550% | 1,359 |
| Noninterest expense to average assets | 3.7413% | 1,300 |
| Loan and lease loss provision to assets | 0.0283% | 5,426 |
| Net operating income to assets | 0.0206% | 6,252 |
| Return on assets (ROA) | 0.2007% | 6,081 |
| Pretax return on assets | 0.2007% | 6,121 |
| Return on Equity (ROE) | 2.0728% | 6,002 |
| Retained earnings to average equity (ytd only) | 2.0728% | 5,288 |
| Net charge-offs to loans | 0.0107% | 5,562 |
| Credit loss provision to net charge-offs | 550.0000% | 482 |
| Earnings coverage of net charge-offs (x) | 9.4869% | 2,317 |
| Efficiency ratio | 97.2845% | 626 |
| Assets per employee ($millions) | 2.2292% | 6,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 3,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6144% | 5,135 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 46.6228% | 5,696 |
| Net loans and leases to deposits | 51.7840% | 5,989 |
| Net loans and leases to core deposits | 54.5131% | 6,007 |
| Total domestic deposits to total assets | 90.0334% | 832 |
| Equity capital to assets | 9.8301% | 4,737 |
| Core capital (leverage) ratio | 7.5848% | 6,575 |
| Tier 1 risk-based capital ratio | 12.1925% | 5,839 |
| Total risk-based capital ratio | 13.4082% | 5,821 |
| Memoranda: | ||
| Average total assets | $51,817,250 | 6,227 |
| Average earning assets | $44,949,250 | 6,281 |
| Average equity | $5,017,250 | 6,356 |
| Average total loans | $24,990,000 | 6,278 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 5,994 |
| Cost of funding earning assets | 0.7417% | 3,672 |
| Net interest margin | 3.1256% | 5,923 |
| Noninterest income to average assets | 0.8577% | 1,942 |
| Noninterest expense to average assets | 3.1385% | 2,780 |
| Loan and lease loss provision to assets | 0.0231% | 5,378 |
| Net operating income to assets | 0.4192% | 5,153 |
| Return on assets (ROA) | 0.5654% | 4,796 |
| Pretax return on assets | 0.5654% | 5,261 |
| Return on Equity (ROE) | 5.8687% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.8687% | 2,789 |
| Net charge-offs to loans | 0.0159% | 5,198 |
| Credit loss provision to net charge-offs | 300.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 659 |
| Efficiency ratio | 87.5403% | 1,277 |
| Assets per employee ($millions) | 5.1198% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 3,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 5,231 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 47.0096% | 5,725 |
| Net loans and leases to deposits | 52.4277% | 5,997 |
| Net loans and leases to core deposits | 55.9747% | 5,948 |
| Total domestic deposits to total assets | 89.6656% | 1,118 |
| Equity capital to assets | 10.0922% | 4,195 |
| Core capital (leverage) ratio | 9.7940% | 3,726 |
| Tier 1 risk-based capital ratio | 15.7492% | 3,303 |
| Total risk-based capital ratio | 16.9286% | 3,312 |
| Memoranda: | ||
| Average total assets | $51,999,330 | 6,262 |
| Average earning assets | $45,303,000 | 6,307 |
| Average equity | $5,009,670 | 6,390 |
| Average total loans | $25,225,000 | 6,303 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9487% | 5,904 |
| Cost of funding earning assets | 0.8304% | 3,223 |
| Net interest margin | 3.1183% | 5,986 |
| Noninterest income to average assets | 0.8015% | 2,160 |
| Noninterest expense to average assets | 2.9008% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5954% | 4,365 |
| Return on assets (ROA) | 0.6489% | 4,339 |
| Pretax return on assets | 0.6489% | 4,944 |
| Return on Equity (ROE) | 6.8952% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.8952% | 2,482 |
| Net charge-offs to loans | -0.0156% | 6,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7511% | 1,835 |
| Assets per employee ($millions) | 5.2402% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 4,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6011% | 5,386 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 46.6051% | 5,716 |
| Net loans and leases to deposits | 51.6103% | 6,013 |
| Net loans and leases to core deposits | 54.9896% | 5,986 |
| Total domestic deposits to total assets | 90.3019% | 912 |
| Equity capital to assets | 9.4271% | 4,907 |
| Core capital (leverage) ratio | 9.7957% | 3,650 |
| Tier 1 risk-based capital ratio | 15.4071% | 3,498 |
| Total risk-based capital ratio | 16.5662% | 3,504 |
| Memoranda: | ||
| Average total assets | $52,400,000 | 6,293 |
| Average earning assets | $45,281,000 | 6,357 |
| Average equity | $4,931,000 | 6,443 |
| Average total loans | $25,615,500 | 6,326 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5993% | 4,684 |
| Cost of funding earning assets | 0.9979% | 3,401 |
| Net interest margin | 3.6014% | 4,725 |
| Noninterest income to average assets | 1.0647% | 1,182 |
| Noninterest expense to average assets | 3.2824% | 2,579 |
| Loan and lease loss provision to assets | 0.0231% | 6,290 |
| Net operating income to assets | 0.8935% | 2,626 |
| Return on assets (ROA) | 0.9258% | 2,624 |
| Pretax return on assets | 0.9595% | 3,393 |
| Return on Equity (ROE) | 9.4142% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.4142% | 693 |
| Net charge-offs to loans | 0.1237% | 5,150 |
| Credit loss provision to net charge-offs | 28.9474% | 5,801 |
| Earnings coverage of net charge-offs (x) | 11.8684% | 1,673 |
| Efficiency ratio | 77.3744% | 2,686 |
| Assets per employee ($millions) | 4.7635% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 4,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9352% | 4,736 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 49.7424% | 5,625 |
| Net loans and leases to deposits | 55.0036% | 5,979 |
| Net loans and leases to core deposits | 59.0017% | 5,933 |
| Total domestic deposits to total assets | 90.4347% | 749 |
| Equity capital to assets | 9.3935% | 5,030 |
| Core capital (leverage) ratio | 9.7692% | 3,648 |
| Tier 1 risk-based capital ratio | 14.4944% | 3,980 |
| Total risk-based capital ratio | 15.6011% | 4,047 |
| Memoranda: | ||
| Average total assets | $47,525,600 | 6,434 |
| Average earning assets | $41,789,000 | 6,473 |
| Average equity | $4,673,800 | 6,540 |
| Average total loans | $30,721,800 | 6,132 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7249% | 4,335 |
| Cost of funding earning assets | 1.0352% | 3,426 |
| Net interest margin | 3.6897% | 4,386 |
| Noninterest income to average assets | 1.1517% | 992 |
| Noninterest expense to average assets | 3.2967% | 2,503 |
| Loan and lease loss provision to assets | 0.0259% | 6,126 |
| Net operating income to assets | 1.0999% | 1,969 |
| Return on assets (ROA) | 1.1229% | 2,023 |
| Pretax return on assets | 1.1258% | 2,911 |
| Return on Equity (ROE) | 11.2753% | 1,770 |
| Retained earnings to average equity (ytd only) | 11.2753% | 586 |
| Net charge-offs to loans | 0.2642% | 3,790 |
| Credit loss provision to net charge-offs | 14.2857% | 5,628 |
| Earnings coverage of net charge-offs (x) | 6.2220% | 2,592 |
| Efficiency ratio | 74.3006% | 3,120 |
| Assets per employee ($millions) | 4.7987% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 5,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 4,696 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 65.0218% | 3,099 |
| Net loans and leases to deposits | 72.5156% | 3,887 |
| Net loans and leases to core deposits | 77.8804% | 3,923 |
| Total domestic deposits to total assets | 89.6660% | 1,061 |
| Equity capital to assets | 10.1527% | 4,150 |
| Core capital (leverage) ratio | 9.9155% | 3,553 |
| Tier 1 risk-based capital ratio | 13.2832% | 4,887 |
| Total risk-based capital ratio | 14.2338% | 5,080 |
| Memoranda: | ||
| Average total assets | $46,307,500 | 6,530 |
| Average earning assets | $41,086,000 | 6,542 |
| Average equity | $4,611,750 | 6,609 |
| Average total loans | $31,793,250 | 6,149 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 4,761 |
| Cost of funding earning assets | 1.0445% | 3,644 |
| Net interest margin | 3.6049% | 4,705 |
| Noninterest income to average assets | 1.0361% | 1,236 |
| Noninterest expense to average assets | 3.2395% | 2,768 |
| Loan and lease loss provision to assets | 0.0175% | 6,064 |
| Net operating income to assets | 1.0230% | 2,129 |
| Return on assets (ROA) | 1.0230% | 2,227 |
| Pretax return on assets | 1.0230% | 3,146 |
| Return on Equity (ROE) | 10.3425% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.3425% | 779 |
| Net charge-offs to loans | 0.0188% | 5,576 |
| Credit loss provision to net charge-offs | 133.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 79.3333% | 428 |
| Efficiency ratio | 75.4852% | 3,105 |
| Assets per employee ($millions) | 4.4086% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 5,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6496% | 5,603 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 73.4983% | 1,505 |
| Net loans and leases to deposits | 81.5424% | 2,515 |
| Net loans and leases to core deposits | 88.6818% | 2,541 |
| Total domestic deposits to total assets | 90.1351% | 904 |
| Equity capital to assets | 9.7412% | 4,478 |
| Core capital (leverage) ratio | 10.2196% | 3,010 |
| Tier 1 risk-based capital ratio | 11.4219% | 6,234 |
| Total risk-based capital ratio | 12.4014% | 6,410 |
| Memoranda: | ||
| Average total assets | $45,747,670 | 6,601 |
| Average earning assets | $41,166,670 | 6,595 |
| Average equity | $4,525,000 | 6,673 |
| Average total loans | $31,875,330 | 6,206 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7285% | 4,378 |
| Cost of funding earning assets | 1.0805% | 3,652 |
| Net interest margin | 3.6480% | 4,335 |
| Noninterest income to average assets | 0.9916% | 1,351 |
| Noninterest expense to average assets | 3.2902% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0186% | 2,117 |
| Return on assets (ROA) | 1.0186% | 2,167 |
| Pretax return on assets | 1.0186% | 3,067 |
| Return on Equity (ROE) | 10.2135% | 2,027 |
| Retained earnings to average equity (ytd only) | 10.2135% | 1,079 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1506% | 3,140 |
| Assets per employee ($millions) | 4.0608% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 4,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 5,520 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 64.9959% | 3,238 |
| Net loans and leases to deposits | 72.4322% | 3,996 |
| Net loans and leases to core deposits | 78.3257% | 3,978 |
| Total domestic deposits to total assets | 89.7334% | 1,334 |
| Equity capital to assets | 10.0495% | 3,714 |
| Core capital (leverage) ratio | 10.3234% | 2,780 |
| Tier 1 risk-based capital ratio | 13.0622% | 4,779 |
| Total risk-based capital ratio | 14.2097% | 4,844 |
| Memoranda: | ||
| Average total assets | $44,374,000 | 6,682 |
| Average earning assets | $40,351,000 | 6,674 |
| Average equity | $4,425,500 | 6,732 |
| Average total loans | $29,791,500 | 6,346 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 6,807 |
| Cost of funding earning assets | 1.1933% | 4,603 |
| Net interest margin | 3.0970% | 6,525 |
| Noninterest income to average assets | 1.1617% | 1,094 |
| Noninterest expense to average assets | 3.4950% | 2,193 |
| Loan and lease loss provision to assets | 0.0222% | 6,900 |
| Net operating income to assets | 0.4233% | 4,441 |
| Return on assets (ROA) | 0.6645% | 3,511 |
| Pretax return on assets | 0.6645% | 4,112 |
| Return on Equity (ROE) | 6.1864% | 3,528 |
| Retained earnings to average equity (ytd only) | 6.1864% | 1,724 |
| Net charge-offs to loans | 0.0316% | 6,488 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 20.1111% | 1,023 |
| Efficiency ratio | 88.6321% | 1,428 |
| Assets per employee ($millions) | 4.0072% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 4,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7146% | 5,573 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 67.4970% | 3,103 |
| Net loans and leases to deposits | 75.0498% | 4,017 |
| Net loans and leases to core deposits | 78.2289% | 4,433 |
| Total domestic deposits to total assets | 89.9363% | 1,137 |
| Equity capital to assets | 9.8959% | 3,882 |
| Core capital (leverage) ratio | 10.6540% | 2,411 |
| Tier 1 risk-based capital ratio | 12.4082% | 5,103 |
| Total risk-based capital ratio | 13.5263% | 5,191 |
| Memoranda: | ||
| Average total assets | $40,629,600 | 6,842 |
| Average earning assets | $36,454,400 | 6,862 |
| Average equity | $4,364,400 | 6,863 |
| Average total loans | $28,525,200 | 6,473 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2483% | 7,032 |
| Cost of funding earning assets | 1.2261% | 4,708 |
| Net interest margin | 3.0222% | 6,786 |
| Noninterest income to average assets | 1.1902% | 987 |
| Noninterest expense to average assets | 3.5942% | 1,811 |
| Loan and lease loss provision to assets | 0.0369% | 6,712 |
| Net operating income to assets | 0.2615% | 5,310 |
| Return on assets (ROA) | 0.5901% | 4,081 |
| Pretax return on assets | 0.5901% | 4,632 |
| Return on Equity (ROE) | 5.3759% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.3759% | 2,722 |
| Net charge-offs to loans | 0.0474% | 6,052 |
| Credit loss provision to net charge-offs | 110.0000% | 3,858 |
| Earnings coverage of net charge-offs (x) | 8.9017% | 2,095 |
| Efficiency ratio | 92.3342% | 1,099 |
| Assets per employee ($millions) | 3.5644% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 4,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8034% | 5,489 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 69.8327% | 2,769 |
| Net loans and leases to deposits | 78.9868% | 3,638 |
| Net loans and leases to core deposits | 81.2270% | 4,353 |
| Total domestic deposits to total assets | 88.4105% | 1,723 |
| Equity capital to assets | 11.3268% | 2,678 |
| Core capital (leverage) ratio | 11.4841% | 1,947 |
| Tier 1 risk-based capital ratio | 13.3720% | 4,297 |
| Total risk-based capital ratio | 14.6062% | 4,270 |
| Memoranda: | ||
| Average total assets | $39,767,250 | 6,954 |
| Average earning assets | $35,558,250 | 6,972 |
| Average equity | $4,365,000 | 6,957 |
| Average total loans | $28,118,750 | 6,580 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 7,143 |
| Cost of funding earning assets | 1.2489% | 4,839 |
| Net interest margin | 2.9738% | 6,885 |
| Noninterest income to average assets | 1.1764% | 928 |
| Noninterest expense to average assets | 3.4490% | 2,146 |
| Loan and lease loss provision to assets | 0.0300% | 6,643 |
| Net operating income to assets | 0.3554% | 4,950 |
| Return on assets (ROA) | 0.7959% | 3,138 |
| Pretax return on assets | 0.7959% | 3,897 |
| Return on Equity (ROE) | 7.3277% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.3277% | 1,706 |
| Net charge-offs to loans | 0.0283% | 5,938 |
| Credit loss provision to net charge-offs | 150.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 1,260 |
| Efficiency ratio | 89.9478% | 1,335 |
| Assets per employee ($millions) | 3.3463% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 2,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8558% | 5,405 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 60.2489% | 5,009 |
| Net loans and leases to deposits | 68.5936% | 5,476 |
| Net loans and leases to core deposits | 68.5936% | 6,009 |
| Total domestic deposits to total assets | 87.8345% | 2,089 |
| Equity capital to assets | 11.9862% | 2,104 |
| Core capital (leverage) ratio | 11.6189% | 1,850 |
| Tier 1 risk-based capital ratio | 15.6419% | 2,827 |
| Total risk-based capital ratio | 16.8955% | 2,790 |
| Memoranda: | ||
| Average total assets | $39,953,670 | 7,001 |
| Average earning assets | $35,712,000 | 7,015 |
| Average equity | $4,339,670 | 6,999 |
| Average total loans | $28,231,670 | 6,617 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0172% | 7,443 |
| Cost of funding earning assets | 1.1600% | 5,605 |
| Net interest margin | 2.8571% | 7,090 |
| Noninterest income to average assets | 1.0018% | 1,302 |
| Noninterest expense to average assets | 3.2751% | 2,613 |
| Loan and lease loss provision to assets | 0.0289% | 6,390 |
| Net operating income to assets | 0.2601% | 5,452 |
| Return on assets (ROA) | 0.2601% | 5,578 |
| Pretax return on assets | 0.2601% | 5,716 |
| Return on Equity (ROE) | 2.5096% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.5096% | 4,632 |
| Net charge-offs to loans | 0.0258% | 5,211 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,397 |
| Efficiency ratio | 91.3514% | 1,325 |
| Assets per employee ($millions) | 4.2664% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 4,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 5,683 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 70.0122% | 2,935 |
| Net loans and leases to deposits | 95.3612% | 1,188 |
| Net loans and leases to core deposits | 95.3612% | 2,658 |
| Total domestic deposits to total assets | 73.4179% | 7,118 |
| Equity capital to assets | 10.1608% | 3,660 |
| Core capital (leverage) ratio | 12.7704% | 1,304 |
| Tier 1 risk-based capital ratio | 11.8431% | 5,354 |
| Total risk-based capital ratio | 12.9751% | 5,419 |
| Memoranda: | ||
| Average total assets | $41,526,000 | 7,038 |
| Average earning assets | $37,240,000 | 7,044 |
| Average equity | $4,303,500 | 7,070 |
| Average total loans | $31,058,500 | 6,567 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4535% | 7,426 |
| Cost of funding earning assets | 2.0339% | 2,800 |
| Net interest margin | 2.4195% | 7,494 |
| Noninterest income to average assets | 0.8026% | 2,394 |
| Noninterest expense to average assets | 3.9576% | 1,423 |
| Loan and lease loss provision to assets | 0.0605% | 6,955 |
| Net operating income to assets | -1.0578% | 6,617 |
| Return on assets (ROA) | -1.0578% | 6,621 |
| Pretax return on assets | -1.0526% | 6,453 |
| Return on Equity (ROE) | -9.0426% | 6,542 |
| Retained earnings to average equity (ytd only) | -9.0426% | 6,434 |
| Net charge-offs to loans | 0.0735% | 6,376 |
| Credit loss provision to net charge-offs | 109.5238% | 5,032 |
| Earnings coverage of net charge-offs (x) | -17.9524% | 7,188 |
| Efficiency ratio | 133.3629% | 444 |
| Assets per employee ($millions) | 4.0388% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 5,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 5,547 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 77.8647% | 1,416 |
| Net loans and leases to deposits | 87.4819% | 2,649 |
| Net loans and leases to core deposits | 96.2625% | 4,437 |
| Total domestic deposits to total assets | 89.0066% | 1,482 |
| Equity capital to assets | 10.5774% | 3,098 |
| Core capital (leverage) ratio | 11.9367% | 1,693 |
| Tier 1 risk-based capital ratio | 11.4708% | 5,420 |
| Total risk-based capital ratio | 12.5721% | 5,534 |
| Memoranda: | ||
| Average total assets | $38,002,600 | 7,170 |
| Average earning assets | $33,973,600 | 7,185 |
| Average equity | $4,445,600 | 7,131 |
| Average total loans | $28,573,800 | 6,716 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 7,599 |
| Cost of funding earning assets | 2.1659% | 2,570 |
| Net interest margin | 2.2456% | 7,687 |
| Noninterest income to average assets | 0.8911% | 2,019 |
| Noninterest expense to average assets | 3.9458% | 1,361 |
| Loan and lease loss provision to assets | 0.0570% | 6,795 |
| Net operating income to assets | -1.1085% | 6,905 |
| Return on assets (ROA) | -1.1085% | 6,906 |
| Pretax return on assets | -1.1014% | 6,761 |
| Return on Equity (ROE) | -9.2372% | 6,827 |
| Retained earnings to average equity (ytd only) | -9.2372% | 6,724 |
| Net charge-offs to loans | 0.0721% | 5,966 |
| Credit loss provision to net charge-offs | 106.6667% | 4,769 |
| Earnings coverage of net charge-offs (x) | -19.5330% | 6,937 |
| Efficiency ratio | 135.9951% | 412 |
| Assets per employee ($millions) | 3.2153% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 4,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 80.1968% | 1,133 |
| Net loans and leases to deposits | 91.7988% | 2,265 |
| Net loans and leases to core deposits | 101.4594% | 4,217 |
| Total domestic deposits to total assets | 87.3615% | 1,976 |
| Equity capital to assets | 12.3360% | 2,045 |
| Core capital (leverage) ratio | 12.5251% | 1,572 |
| Tier 1 risk-based capital ratio | 13.3274% | 3,968 |
| Total risk-based capital ratio | 14.5589% | 3,928 |
| Memoranda: | ||
| Average total assets | $37,406,250 | 7,256 |
| Average earning assets | $33,487,500 | 7,270 |
| Average equity | $4,489,000 | 7,186 |
| Average total loans | $27,755,500 | 6,805 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1742% | 7,840 |
| Cost of funding earning assets | 2.3100% | 2,319 |
| Net interest margin | 1.8642% | 7,922 |
| Noninterest income to average assets | 0.8140% | 2,344 |
| Noninterest expense to average assets | 3.8702% | 1,539 |
| Loan and lease loss provision to assets | 0.0578% | 6,641 |
| Net operating income to assets | -1.4336% | 7,212 |
| Return on assets (ROA) | -1.4336% | 7,219 |
| Pretax return on assets | -1.4231% | 7,049 |
| Return on Equity (ROE) | -12.0503% | 7,176 |
| Retained earnings to average equity (ytd only) | -12.0503% | 7,059 |
| Net charge-offs to loans | 0.0729% | 5,486 |
| Credit loss provision to net charge-offs | 110.0000% | 4,215 |
| Earnings coverage of net charge-offs (x) | -26.0000% | 6,575 |
| Efficiency ratio | 154.5073% | 349 |
| Assets per employee ($millions) | 3.3022% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 3,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 78.2953% | 1,679 |
| Net loans and leases to deposits | 90.1855% | 2,808 |
| Net loans and leases to core deposits | 99.3954% | 4,569 |
| Total domestic deposits to total assets | 86.8159% | 2,349 |
| Equity capital to assets | 12.1132% | 2,144 |
| Core capital (leverage) ratio | 11.8833% | 1,883 |
| Tier 1 risk-based capital ratio | 13.2051% | 3,998 |
| Total risk-based capital ratio | 14.4147% | 3,950 |
| Memoranda: | ||
| Average total assets | $38,085,670 | 7,289 |
| Average earning assets | $34,545,330 | 7,291 |
| Average equity | $4,531,000 | 7,234 |
| Average total loans | $27,420,000 | 6,885 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 8,012 |
| Cost of funding earning assets | 2.7522% | 1,109 |
| Net interest margin | 1.1666% | 8,136 |
| Noninterest income to average assets | 0.7083% | 2,839 |
| Noninterest expense to average assets | 3.7160% | 1,621 |
| Loan and lease loss provision to assets | 0.0513% | 6,317 |
| Net operating income to assets | -2.0017% | 7,661 |
| Return on assets (ROA) | -2.0017% | 7,659 |
| Pretax return on assets | -2.0017% | 7,535 |
| Return on Equity (ROE) | -16.9694% | 7,674 |
| Retained earnings to average equity (ytd only) | -16.9694% | 7,534 |
| Net charge-offs to loans | 0.0599% | 4,624 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | -47.5000% | 5,692 |
| Efficiency ratio | 210.4651% | 170 |
| Assets per employee ($millions) | 3.5064% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 3,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 71.7760% | 3,290 |
| Net loans and leases to deposits | 81.5747% | 4,355 |
| Net loans and leases to core deposits | 89.2111% | 5,626 |
| Total domestic deposits to total assets | 87.9881% | 1,753 |
| Equity capital to assets | 11.6386% | 2,488 |
| Core capital (leverage) ratio | 12.5972% | 1,649 |
| Tier 1 risk-based capital ratio | 13.6050% | 3,798 |
| Total risk-based capital ratio | 14.8293% | 3,738 |
| Memoranda: | ||
| Average total assets | $38,966,500 | 7,299 |
| Average earning assets | $35,317,000 | 7,290 |
| Average equity | $4,596,500 | 7,258 |
| Average total loans | $26,711,000 | 6,956 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 7,915 |
| Cost of funding earning assets | 2.9582% | 2,030 |
| Net interest margin | 1.9122% | 8,110 |
| Noninterest income to average assets | 0.8613% | 2,159 |
| Noninterest expense to average assets | 4.8442% | 689 |
| Loan and lease loss provision to assets | 0.0874% | 6,288 |
| Net operating income to assets | -2.3897% | 7,679 |
| Return on assets (ROA) | -2.3897% | 7,646 |
| Pretax return on assets | -2.3833% | 7,556 |
| Return on Equity (ROE) | -14.5740% | 7,571 |
| Retained earnings to average equity (ytd only) | -14.5740% | 7,435 |
| Net charge-offs to loans | 0.1489% | 4,721 |
| Credit loss provision to net charge-offs | 84.3750% | 5,794 |
| Earnings coverage of net charge-offs (x) | -22.1563% | 6,946 |
| Efficiency ratio | 190.0889% | 216 |
| Assets per employee ($millions) | 3.5785% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 2,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 63.3666% | 5,390 |
| Net loans and leases to deposits | 72.3132% | 6,023 |
| Net loans and leases to core deposits | 79.1414% | 6,680 |
| Total domestic deposits to total assets | 87.6280% | 1,656 |
| Equity capital to assets | 11.9503% | 2,321 |
| Core capital (leverage) ratio | 13.4656% | 1,399 |
| Tier 1 risk-based capital ratio | 15.2532% | 2,933 |
| Total risk-based capital ratio | 16.3737% | 2,915 |
| Memoranda: | ||
| Average total assets | $30,882,000 | 7,607 |
| Average earning assets | $27,246,000 | 7,653 |
| Average equity | $5,063,800 | 7,122 |
| Average total loans | $21,496,600 | 7,229 |