Home > First Savings Bank > Performance and Condition Ratios
First Savings Bank, Performance and Condition Ratios
| 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 | 3.0889% | 4,509 |
| Cost of funding earning assets | 0.6830% | 3,804 |
| Net interest margin | 2.4059% | 4,224 |
| Noninterest income to average assets | 1.4100% | 420 |
| Noninterest expense to average assets | 3.3897% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2866% | 4,125 |
| Return on assets (ROA) | 0.2866% | 4,132 |
| Pretax return on assets | 0.2866% | 4,180 |
| Return on Equity (ROE) | 1.1000% | 4,303 |
| Retained earnings to average equity (ytd only) | 1.1002% | 3,928 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 92.2049% | 311 |
| Assets per employee ($millions) | 5.2275% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2891% | 4,447 |
| Loan loss allowance to noncurrent loans | 115.1515% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 2,873 |
| Noncurrent loans to loans | 0.2511% | 2,336 |
| Net loans and leases to total assets | 41.7800% | 3,995 |
| Net loans and leases to deposits | 63.0273% | 3,325 |
| Net loans and leases to core deposits | 64.9002% | 3,485 |
| Total domestic deposits to total assets | 66.2900% | 4,400 |
| Equity capital to assets | 26.6858% | 181 |
| Core capital (leverage) ratio | 31.8791% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.8240% | 73 |
| Memoranda: | ||
| Average total assets | $32,568,500 | 4,472 |
| Average earning assets | $30,646,750 | 4,439 |
| Average equity | $8,483,250 | 3,887 |
| Average total loans | $12,642,000 | 4,401 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9126% | 4,567 |
| Cost of funding earning assets | 0.5915% | 3,775 |
| Net interest margin | 2.3210% | 4,351 |
| Noninterest income to average assets | 1.5000% | 327 |
| Noninterest expense to average assets | 3.2697% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4186% | 3,973 |
| Return on assets (ROA) | 0.4186% | 3,977 |
| Pretax return on assets | 0.4186% | 4,091 |
| Return on Equity (ROE) | 1.6200% | 4,310 |
| Retained earnings to average equity (ytd only) | 1.6195% | 3,801 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.6513% | 401 |
| Assets per employee ($millions) | 5.1580% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2963% | 4,477 |
| Loan loss allowance to noncurrent loans | 76.0000% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 2,426 |
| Noncurrent loans to loans | 0.3899% | 1,755 |
| Net loans and leases to total assets | 41.3200% | 3,991 |
| Net loans and leases to deposits | 58.1783% | 3,527 |
| Net loans and leases to core deposits | 59.8026% | 3,643 |
| Total domestic deposits to total assets | 71.0200% | 4,329 |
| Equity capital to assets | 27.6173% | 170 |
| Core capital (leverage) ratio | 30.4154% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 80.6196% | 69 |
| Memoranda: | ||
| Average total assets | $32,969,667 | 4,495 |
| Average earning assets | $31,106,667 | 4,462 |
| Average equity | $8,521,000 | 3,900 |
| Average total loans | $12,475,333 | 4,428 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0892% | 4,532 |
| Cost of funding earning assets | 0.4858% | 3,744 |
| Net interest margin | 2.6034% | 4,202 |
| Noninterest income to average assets | 2.0800% | 223 |
| Noninterest expense to average assets | 3.2372% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3066% | 1,651 |
| Return on assets (ROA) | 1.3066% | 1,620 |
| Pretax return on assets | 1.3066% | 2,153 |
| Return on Equity (ROE) | 5.2200% | 3,855 |
| Retained earnings to average equity (ytd only) | 5.2186% | 2,970 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.2435% | 1,606 |
| Assets per employee ($millions) | 5.6030% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3121% | 4,530 |
| Loan loss allowance to noncurrent loans | 76.0000% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 2,476 |
| Noncurrent loans to loans | 0.4107% | 1,701 |
| Net loans and leases to total assets | 36.1000% | 4,188 |
| Net loans and leases to deposits | 53.8322% | 3,696 |
| Net loans and leases to core deposits | 55.2888% | 3,780 |
| Total domestic deposits to total assets | 67.0700% | 4,470 |
| Equity capital to assets | 25.5577% | 147 |
| Core capital (leverage) ratio | 29.2092% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.7529% | 68 |
| Memoranda: | ||
| Average total assets | $33,980,500 | 4,551 |
| Average earning assets | $32,111,500 | 4,521 |
| Average equity | $8,508,000 | 3,948 |
| Average total loans | $12,300,500 | 4,498 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5345% | 4,491 |
| Cost of funding earning assets | 0.2689% | 3,165 |
| Net interest margin | 2.2656% | 4,446 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 2.9470% | 1,054 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0241% | 4,550 |
| Return on assets (ROA) | 0.0241% | 4,537 |
| Pretax return on assets | 0.0241% | 4,533 |
| Return on Equity (ROE) | 0.1000% | 4,540 |
| Retained earnings to average equity (ytd only) | 0.1012% | 4,325 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 99.1899% | 156 |
| Assets per employee ($millions) | 5.7238% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6519% | 4,287 |
| Loan loss allowance to noncurrent loans | 155.7692% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 2,479 |
| Noncurrent loans to loans | 0.4185% | 1,676 |
| Net loans and leases to total assets | 35.9500% | 4,219 |
| Net loans and leases to deposits | 52.5163% | 3,766 |
| Net loans and leases to core deposits | 53.8754% | 3,810 |
| Total domestic deposits to total assets | 68.4500% | 4,500 |
| Equity capital to assets | 24.5290% | 155 |
| Core capital (leverage) ratio | 28.2290% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 77.8882% | 70 |
| Memoranda: | ||
| Average total assets | $37,393,400 | 4,553 |
| Average earning assets | $35,707,600 | 4,518 |
| Average equity | $8,896,000 | 4,002 |
| Average total loans | $12,626,000 | 4,515 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4510% | 4,468 |
| Cost of funding earning assets | 0.2155% | 3,081 |
| Net interest margin | 2.2355% | 4,444 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 2.9352% | 1,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1992% | 4,475 |
| Return on assets (ROA) | 0.1992% | 4,445 |
| Pretax return on assets | 0.1992% | 4,463 |
| Return on Equity (ROE) | 0.8400% | 4,507 |
| Retained earnings to average equity (ytd only) | 0.8431% | 4,241 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 93.6455% | 239 |
| Assets per employee ($millions) | 5.9645% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6425% | 4,342 |
| Loan loss allowance to noncurrent loans | 155.7692% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 2,591 |
| Noncurrent loans to loans | 0.4125% | 1,784 |
| Net loans and leases to total assets | 35.0000% | 4,269 |
| Net loans and leases to deposits | 53.3930% | 3,640 |
| Net loans and leases to core deposits | 54.7776% | 3,701 |
| Total domestic deposits to total assets | 65.5500% | 4,586 |
| Equity capital to assets | 23.3185% | 157 |
| Core capital (leverage) ratio | 26.4897% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 77.7742% | 73 |
| Memoranda: | ||
| Average total assets | $38,156,000 | 4,579 |
| Average earning assets | $36,500,500 | 4,547 |
| Average equity | $9,014,000 | 4,035 |
| Average total loans | $12,676,000 | 4,549 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3642% | 4,480 |
| Cost of funding earning assets | 0.1601% | 3,444 |
| Net interest margin | 2.2041% | 4,424 |
| Noninterest income to average assets | 0.9706% | 716 |
| Noninterest expense to average assets | 2.8244% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2670% | 4,341 |
| Return on assets (ROA) | 0.2670% | 4,296 |
| Pretax return on assets | 0.2670% | 4,337 |
| Return on Equity (ROE) | 1.1259% | 4,450 |
| Retained earnings to average equity (ytd only) | 1.1259% | 3,968 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3621% | 357 |
| Assets per employee ($millions) | 6.0383% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6246% | 4,439 |
| Loan loss allowance to noncurrent loans | 152.8302% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 2,696 |
| Noncurrent loans to loans | 0.4087% | 1,898 |
| Net loans and leases to total assets | 35.5700% | 4,264 |
| Net loans and leases to deposits | 54.1471% | 3,527 |
| Net loans and leases to core deposits | 55.5307% | 3,609 |
| Total domestic deposits to total assets | 65.6914% | 4,656 |
| Equity capital to assets | 23.5578% | 110 |
| Core capital (leverage) ratio | 25.1776% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.3523% | 37 |
| Memoranda: | ||
| Average total assets | $38,945,667 | 4,617 |
| Average earning assets | $37,475,667 | 4,594 |
| Average equity | $9,237,000 | 4,080 |
| Average total loans | $12,699,000 | 4,610 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2615% | 4,486 |
| Cost of funding earning assets | 0.1542% | 3,442 |
| Net interest margin | 2.1073% | 4,439 |
| Noninterest income to average assets | 0.9031% | 832 |
| Noninterest expense to average assets | 2.5903% | 1,639 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3474% | 4,062 |
| Return on assets (ROA) | 0.3474% | 4,025 |
| Pretax return on assets | 0.3474% | 4,114 |
| Return on Equity (ROE) | 1.4602% | 4,347 |
| Retained earnings to average equity (ytd only) | 1.4602% | 3,704 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1757% | 626 |
| Assets per employee ($millions) | 6.6638% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6233% | 4,492 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 2,847 |
| Noncurrent loans to loans | 0.4155% | 2,003 |
| Net loans and leases to total assets | 32.2987% | 4,367 |
| Net loans and leases to deposits | 48.6935% | 3,835 |
| Net loans and leases to core deposits | 49.8072% | 3,885 |
| Total domestic deposits to total assets | 66.3307% | 4,689 |
| Equity capital to assets | 23.1348% | 107 |
| Core capital (leverage) ratio | 23.5499% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 75.7505% | 39 |
| Memoranda: | ||
| Average total assets | $40,303,500 | 4,633 |
| Average earning assets | $38,912,000 | 4,603 |
| Average equity | $9,588,000 | 4,101 |
| Average total loans | $12,564,500 | 4,637 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1388% | 4,641 |
| Cost of funding earning assets | 0.2910% | 2,498 |
| Net interest margin | 1.8478% | 4,653 |
| Noninterest income to average assets | 1.2533% | 675 |
| Noninterest expense to average assets | 2.5596% | 1,995 |
| Loan and lease loss provision to assets | 0.0313% | 2,426 |
| Net operating income to assets | 0.4531% | 4,177 |
| Return on assets (ROA) | 0.4531% | 4,222 |
| Pretax return on assets | 0.4531% | 4,324 |
| Return on Equity (ROE) | 1.8871% | 4,512 |
| Retained earnings to average equity (ytd only) | 1.8871% | 4,012 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0855% | 567 |
| Assets per employee ($millions) | 6.7707% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6675% | 4,475 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 3,008 |
| Noncurrent loans to loans | 0.4450% | 2,022 |
| Net loans and leases to total assets | 29.6697% | 4,523 |
| Net loans and leases to deposits | 46.4936% | 4,073 |
| Net loans and leases to core deposits | 47.5820% | 4,114 |
| Total domestic deposits to total assets | 63.8145% | 4,746 |
| Equity capital to assets | 24.4338% | 101 |
| Core capital (leverage) ratio | 23.4111% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 77.6915% | 42 |
| Memoranda: | ||
| Average total assets | $41,491,600 | 4,646 |
| Average earning assets | $40,209,600 | 4,615 |
| Average equity | $9,962,600 | 4,135 |
| Average total loans | $11,959,600 | 4,696 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1416% | 4,730 |
| Cost of funding earning assets | 0.3262% | 2,338 |
| Net interest margin | 1.8155% | 4,740 |
| Noninterest income to average assets | 1.4097% | 603 |
| Noninterest expense to average assets | 2.6053% | 1,817 |
| Loan and lease loss provision to assets | 0.0312% | 2,373 |
| Net operating income to assets | 0.5339% | 4,134 |
| Return on assets (ROA) | 0.5339% | 4,180 |
| Pretax return on assets | 0.5339% | 4,329 |
| Return on Equity (ROE) | 2.2329% | 4,559 |
| Retained earnings to average equity (ytd only) | 2.2329% | 4,125 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1573% | 624 |
| Assets per employee ($millions) | 6.8320% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6314% | 4,594 |
| Loan loss allowance to noncurrent loans | 141.8182% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 3,220 |
| Noncurrent loans to loans | 0.4452% | 2,226 |
| Net loans and leases to total assets | 29.9473% | 4,592 |
| Net loans and leases to deposits | 46.8872% | 4,188 |
| Net loans and leases to core deposits | 48.5947% | 4,209 |
| Total domestic deposits to total assets | 63.8710% | 4,811 |
| Equity capital to assets | 24.4975% | 104 |
| Core capital (leverage) ratio | 23.6908% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 76.9757% | 42 |
| Memoranda: | ||
| Average total assets | $41,708,500 | 4,713 |
| Average earning assets | $40,466,250 | 4,677 |
| Average equity | $9,971,750 | 4,192 |
| Average total loans | $11,916,000 | 4,769 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1463% | 4,778 |
| Cost of funding earning assets | 0.3969% | 1,904 |
| Net interest margin | 1.7494% | 4,801 |
| Noninterest income to average assets | 1.2778% | 712 |
| Noninterest expense to average assets | 2.6414% | 1,752 |
| Loan and lease loss provision to assets | 0.0286% | 2,411 |
| Net operating income to assets | 0.3099% | 4,514 |
| Return on assets (ROA) | 0.3099% | 4,537 |
| Pretax return on assets | 0.3099% | 4,576 |
| Return on Equity (ROE) | 1.3068% | 4,666 |
| Retained earnings to average equity (ytd only) | 1.3068% | 4,276 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6400% | 381 |
| Assets per employee ($millions) | 6.7857% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5680% | 4,683 |
| Loan loss allowance to noncurrent loans | 132.1429% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 3,328 |
| Noncurrent loans to loans | 0.4298% | 2,391 |
| Net loans and leases to total assets | 31.8171% | 4,594 |
| Net loans and leases to deposits | 50.2502% | 4,093 |
| Net loans and leases to core deposits | 52.1057% | 4,128 |
| Total domestic deposits to total assets | 63.3173% | 4,848 |
| Equity capital to assets | 24.4142% | 102 |
| Core capital (leverage) ratio | 22.8260% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 75.1589% | 44 |
| Memoranda: | ||
| Average total assets | $41,947,333 | 4,744 |
| Average earning assets | $40,814,667 | 4,702 |
| Average equity | $9,948,333 | 4,207 |
| Average total loans | $11,770,000 | 4,806 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1077% | 4,815 |
| Cost of funding earning assets | 0.4738% | 1,567 |
| Net interest margin | 1.6340% | 4,858 |
| Noninterest income to average assets | 0.8554% | 1,447 |
| Noninterest expense to average assets | 2.7353% | 1,532 |
| Loan and lease loss provision to assets | 0.0282% | 2,415 |
| Net operating income to assets | -0.3196% | 4,866 |
| Return on assets (ROA) | -0.3196% | 4,870 |
| Pretax return on assets | -0.3196% | 4,862 |
| Return on Equity (ROE) | -1.3677% | 4,838 |
| Retained earnings to average equity (ytd only) | -1.3677% | 4,497 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9231% | 102 |
| Assets per employee ($millions) | 7.1417% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5870% | 4,693 |
| Loan loss allowance to noncurrent loans | 124.5614% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 3,510 |
| Noncurrent loans to loans | 0.4712% | 2,441 |
| Net loans and leases to total assets | 28.0630% | 4,747 |
| Net loans and leases to deposits | 43.4100% | 4,446 |
| Net loans and leases to core deposits | 44.8945% | 4,476 |
| Total domestic deposits to total assets | 64.6464% | 4,855 |
| Equity capital to assets | 23.0408% | 114 |
| Core capital (leverage) ratio | 22.0108% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 76.5205% | 40 |
| Memoranda: | ||
| Average total assets | $42,554,500 | 4,754 |
| Average earning assets | $41,372,000 | 4,717 |
| Average equity | $9,943,500 | 4,221 |
| Average total loans | $11,141,000 | 4,843 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6430% | 4,811 |
| Cost of funding earning assets | 0.7732% | 1,330 |
| Net interest margin | 1.8698% | 4,869 |
| Noninterest income to average assets | 2.4978% | 241 |
| Noninterest expense to average assets | 3.6678% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6528% | 3,582 |
| Return on assets (ROA) | 0.6626% | 3,675 |
| Pretax return on assets | 0.6626% | 3,959 |
| Return on Equity (ROE) | 2.7574% | 4,431 |
| Retained earnings to average equity (ytd only) | 2.7574% | 3,482 |
| Net charge-offs to loans | 0.0286% | 2,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 88.3333% | 850 |
| Efficiency ratio | 84.8917% | 573 |
| Assets per employee ($millions) | 7.0432% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6676% | 4,638 |
| Loan loss allowance to noncurrent loans | 117.2414% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 3,605 |
| Noncurrent loans to loans | 0.5694% | 2,274 |
| Net loans and leases to total assets | 23.9428% | 4,854 |
| Net loans and leases to deposits | 38.3054% | 4,695 |
| Net loans and leases to core deposits | 39.6784% | 4,706 |
| Total domestic deposits to total assets | 62.5050% | 4,893 |
| Equity capital to assets | 23.6967% | 111 |
| Core capital (leverage) ratio | 22.1945% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 81.2618% | 37 |
| Memoranda: | ||
| Average total assets | $40,596,400 | 4,765 |
| Average earning assets | $39,576,000 | 4,721 |
| Average equity | $9,755,400 | 4,221 |
| Average total loans | $10,490,600 | 4,885 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7702% | 4,844 |
| Cost of funding earning assets | 0.8328% | 1,346 |
| Net interest margin | 1.9375% | 4,904 |
| Noninterest income to average assets | 2.7210% | 212 |
| Noninterest expense to average assets | 3.5937% | 619 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0187% | 2,265 |
| Return on assets (ROA) | 1.0320% | 2,349 |
| Pretax return on assets | 1.0320% | 2,959 |
| Return on Equity (ROE) | 4.2789% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.2789% | 2,911 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9137% | 1,045 |
| Assets per employee ($millions) | 7.2340% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7139% | 4,552 |
| Loan loss allowance to noncurrent loans | 120.3390% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 3,739 |
| Noncurrent loans to loans | 0.5932% | 2,316 |
| Net loans and leases to total assets | 22.7514% | 4,904 |
| Net loans and leases to deposits | 37.4351% | 4,799 |
| Net loans and leases to core deposits | 38.7741% | 4,813 |
| Total domestic deposits to total assets | 60.7755% | 4,921 |
| Equity capital to assets | 23.1338% | 122 |
| Core capital (leverage) ratio | 22.0953% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.4026% | 42 |
| Memoranda: | ||
| Average total assets | $40,180,750 | 4,797 |
| Average earning assets | $39,225,500 | 4,751 |
| Average equity | $9,690,750 | 4,244 |
| Average total loans | $10,566,750 | 4,915 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8812% | 4,884 |
| Cost of funding earning assets | 0.9115% | 1,320 |
| Net interest margin | 1.9697% | 4,952 |
| Noninterest income to average assets | 2.9410% | 168 |
| Noninterest expense to average assets | 3.0790% | 1,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7850% | 518 |
| Return on assets (ROA) | 1.8055% | 545 |
| Pretax return on assets | 1.8055% | 806 |
| Return on Equity (ROE) | 7.3744% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.3744% | 1,514 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3018% | 2,915 |
| Assets per employee ($millions) | 7.1660% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7104% | 4,541 |
| Loan loss allowance to noncurrent loans | 116.3934% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 3,805 |
| Noncurrent loans to loans | 0.6104% | 2,327 |
| Net loans and leases to total assets | 23.0789% | 4,935 |
| Net loans and leases to deposits | 36.4428% | 4,853 |
| Net loans and leases to core deposits | 37.7014% | 4,860 |
| Total domestic deposits to total assets | 63.3291% | 4,926 |
| Equity capital to assets | 23.3626% | 120 |
| Core capital (leverage) ratio | 23.4891% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 79.0328% | 38 |
| Memoranda: | ||
| Average total assets | $39,103,000 | 4,832 |
| Average earning assets | $38,178,667 | 4,784 |
| Average equity | $9,573,667 | 4,267 |
| Average total loans | $10,773,667 | 4,947 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9223% | 4,972 |
| Cost of funding earning assets | 0.9889% | 1,468 |
| Net interest margin | 1.9334% | 5,027 |
| Noninterest income to average assets | 3.8486% | 115 |
| Noninterest expense to average assets | 3.3391% | 1,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.3959% | 131 |
| Return on assets (ROA) | 2.3959% | 144 |
| Pretax return on assets | 2.3959% | 204 |
| Return on Equity (ROE) | 9.4667% | 1,926 |
| Retained earnings to average equity (ytd only) | 9.4667% | 856 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2231% | 3,972 |
| Assets per employee ($millions) | 6.1522% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 4,650 |
| Loan loss allowance to noncurrent loans | 112.6984% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 3,809 |
| Noncurrent loans to loans | 0.6007% | 2,493 |
| Net loans and leases to total assets | 28.2204% | 4,933 |
| Net loans and leases to deposits | 39.6129% | 4,841 |
| Net loans and leases to core deposits | 41.0118% | 4,861 |
| Total domestic deposits to total assets | 71.2405% | 4,804 |
| Equity capital to assets | 25.2973% | 109 |
| Core capital (leverage) ratio | 25.5441% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 89.8642% | 39 |
| Memoranda: | ||
| Average total assets | $36,896,500 | 4,894 |
| Average earning assets | $35,999,500 | 4,851 |
| Average equity | $9,338,000 | 4,324 |
| Average total loans | $10,908,500 | 4,983 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0357% | 5,047 |
| Cost of funding earning assets | 0.9704% | 1,856 |
| Net interest margin | 2.0653% | 5,085 |
| Noninterest income to average assets | 1.2953% | 560 |
| Noninterest expense to average assets | 3.2664% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0449% | 4,948 |
| Return on assets (ROA) | 0.0449% | 4,967 |
| Pretax return on assets | 0.0280% | 4,972 |
| Return on Equity (ROE) | 0.1704% | 4,983 |
| Retained earnings to average equity (ytd only) | 0.1704% | 4,638 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1489% | 168 |
| Assets per employee ($millions) | 5.2686% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6267% | 4,692 |
| Loan loss allowance to noncurrent loans | 101.4286% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 3,699 |
| Noncurrent loans to loans | 0.6179% | 2,342 |
| Net loans and leases to total assets | 30.5260% | 4,961 |
| Net loans and leases to deposits | 43.3250% | 4,842 |
| Net loans and leases to core deposits | 44.8705% | 4,854 |
| Total domestic deposits to total assets | 70.4582% | 4,914 |
| Equity capital to assets | 25.3200% | 119 |
| Core capital (leverage) ratio | 24.8455% | 126 |
| Tier 1 risk-based capital ratio | 85.2296% | 51 |
| Total risk-based capital ratio | 85.8896% | 51 |
| Memoranda: | ||
| Average total assets | $35,666,200 | 4,963 |
| Average earning assets | $34,522,200 | 4,925 |
| Average equity | $9,389,200 | 4,323 |
| Average total loans | $11,157,600 | 5,040 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0622% | 5,134 |
| Cost of funding earning assets | 0.9452% | 2,008 |
| Net interest margin | 2.1170% | 5,168 |
| Noninterest income to average assets | 1.1839% | 654 |
| Noninterest expense to average assets | 3.2538% | 1,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.0038% | 5,063 |
| Return on assets (ROA) | -0.0038% | 5,075 |
| Pretax return on assets | -0.0264% | 5,076 |
| Return on Equity (ROE) | -0.0141% | 5,075 |
| Retained earnings to average equity (ytd only) | -0.0141% | 4,759 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8178% | 144 |
| Assets per employee ($millions) | 5.1966% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6335% | 4,760 |
| Loan loss allowance to noncurrent loans | 73.1959% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 3,485 |
| Noncurrent loans to loans | 0.8655% | 1,853 |
| Net loans and leases to total assets | 30.6163% | 5,045 |
| Net loans and leases to deposits | 43.2522% | 4,927 |
| Net loans and leases to core deposits | 44.8043% | 4,940 |
| Total domestic deposits to total assets | 70.7857% | 4,964 |
| Equity capital to assets | 26.2921% | 111 |
| Core capital (leverage) ratio | 25.8353% | 111 |
| Tier 1 risk-based capital ratio | 89.4288% | 50 |
| Total risk-based capital ratio | 90.1014% | 50 |
| Memoranda: | ||
| Average total assets | $35,362,750 | 5,039 |
| Average earning assets | $34,136,250 | 5,003 |
| Average equity | $9,402,000 | 4,366 |
| Average total loans | $11,114,750 | 5,121 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1031% | 5,182 |
| Cost of funding earning assets | 0.9095% | 2,092 |
| Net interest margin | 2.1936% | 5,207 |
| Noninterest income to average assets | 0.9707% | 924 |
| Noninterest expense to average assets | 3.0892% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0228% | 5,093 |
| Return on assets (ROA) | 0.0228% | 5,102 |
| Pretax return on assets | -0.0114% | 5,111 |
| Return on Equity (ROE) | 0.0856% | 5,105 |
| Retained earnings to average equity (ytd only) | 0.0856% | 4,664 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3711% | 159 |
| Assets per employee ($millions) | 4.4615% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6557% | 4,789 |
| Loan loss allowance to noncurrent loans | 94.6667% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 3,736 |
| Noncurrent loans to loans | 0.6926% | 2,239 |
| Net loans and leases to total assets | 30.1384% | 5,096 |
| Net loans and leases to deposits | 41.5152% | 5,009 |
| Net loans and leases to core deposits | 42.9902% | 5,021 |
| Total domestic deposits to total assets | 72.5961% | 4,933 |
| Equity capital to assets | 26.7651% | 103 |
| Core capital (leverage) ratio | 26.7448% | 99 |
| Tier 1 risk-based capital ratio | 96.2012% | 44 |
| Total risk-based capital ratio | 96.9243% | 44 |
| Memoranda: | ||
| Average total assets | $35,025,000 | 5,080 |
| Average earning assets | $33,643,670 | 5,054 |
| Average equity | $9,348,000 | 4,390 |
| Average total loans | $11,083,670 | 5,165 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0196% | 5,266 |
| Cost of funding earning assets | 0.8817% | 2,084 |
| Net interest margin | 2.1378% | 5,294 |
| Noninterest income to average assets | 0.6226% | 1,951 |
| Noninterest expense to average assets | 2.9402% | 2,154 |
| Loan and lease loss provision to assets | 0.0692% | 2,272 |
| Net operating income to assets | -0.2767% | 5,223 |
| Return on assets (ROA) | -0.2767% | 5,218 |
| Pretax return on assets | -0.3459% | 5,225 |
| Return on Equity (ROE) | -1.0383% | 5,190 |
| Retained earnings to average equity (ytd only) | -1.0383% | 4,657 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3896% | 101 |
| Assets per employee ($millions) | 5.0007% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6820% | 4,804 |
| Loan loss allowance to noncurrent loans | 113.2353% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 3,846 |
| Noncurrent loans to loans | 0.6022% | 2,530 |
| Net loans and leases to total assets | 32.0354% | 5,113 |
| Net loans and leases to deposits | 44.0335% | 4,984 |
| Net loans and leases to core deposits | 45.6225% | 5,002 |
| Total domestic deposits to total assets | 72.7525% | 5,011 |
| Equity capital to assets | 26.5876% | 96 |
| Core capital (leverage) ratio | 27.0710% | 91 |
| Tier 1 risk-based capital ratio | 74.0176% | 60 |
| Total risk-based capital ratio | 74.6228% | 60 |
| Memoranda: | ||
| Average total assets | $34,691,500 | 5,135 |
| Average earning assets | $33,117,500 | 5,113 |
| Average equity | $9,245,500 | 4,433 |
| Average total loans | $11,211,500 | 5,223 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0063% | 5,230 |
| Cost of funding earning assets | 0.7376% | 1,861 |
| Net interest margin | 2.2687% | 5,293 |
| Noninterest income to average assets | 0.8270% | 1,380 |
| Noninterest expense to average assets | 3.0876% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.1682% | 5,266 |
| Return on assets (ROA) | -0.1682% | 5,262 |
| Pretax return on assets | -0.1406% | 5,256 |
| Return on Equity (ROE) | -0.6375% | 5,253 |
| Retained earnings to average equity (ytd only) | -0.6375% | 5,055 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7708% | 107 |
| Assets per employee ($millions) | 4.9111% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6378% | 4,911 |
| Loan loss allowance to noncurrent loans | 89.8734% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 3,682 |
| Noncurrent loans to loans | 0.7097% | 2,217 |
| Net loans and leases to total assets | 32.1746% | 5,168 |
| Net loans and leases to deposits | 45.0697% | 5,004 |
| Net loans and leases to core deposits | 46.7537% | 5,013 |
| Total domestic deposits to total assets | 71.3887% | 5,105 |
| Equity capital to assets | 26.7148% | 94 |
| Core capital (leverage) ratio | 27.3277% | 85 |
| Tier 1 risk-based capital ratio | 76.0593% | 58 |
| Total risk-based capital ratio | 76.6312% | 59 |
| Memoranda: | ||
| Average total assets | $36,273,600 | 5,154 |
| Average earning assets | $33,896,000 | 5,137 |
| Average equity | $9,569,000 | 4,377 |
| Average total loans | $10,572,600 | 5,277 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1529% | 5,221 |
| Cost of funding earning assets | 0.7240% | 1,726 |
| Net interest margin | 2.4289% | 5,309 |
| Noninterest income to average assets | 0.8381% | 1,361 |
| Noninterest expense to average assets | 2.9026% | 2,297 |
| Loan and lease loss provision to assets | 0.1306% | 1,546 |
| Net operating income to assets | 0.0327% | 5,283 |
| Return on assets (ROA) | 0.0327% | 5,281 |
| Pretax return on assets | 0.0689% | 5,264 |
| Return on Equity (ROE) | 0.1242% | 5,291 |
| Retained earnings to average equity (ytd only) | 0.1242% | 5,016 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5673% | 248 |
| Assets per employee ($millions) | 4.7806% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,134 |
| Loan loss allowance to noncurrent loans | 132.4074% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 3,394 |
| Noncurrent loans to loans | 0.9750% | 1,745 |
| Net loans and leases to total assets | 32.6739% | 5,229 |
| Net loans and leases to deposits | 45.2323% | 5,076 |
| Net loans and leases to core deposits | 46.9472% | 5,087 |
| Total domestic deposits to total assets | 72.2358% | 5,113 |
| Equity capital to assets | 27.3428% | 88 |
| Core capital (leverage) ratio | 50.9175% | 36 |
| Tier 1 risk-based capital ratio | 75.1936% | 55 |
| Total risk-based capital ratio | 76.3233% | 54 |
| Memoranda: | ||
| Average total assets | $36,747,500 | 5,211 |
| Average earning assets | $34,253,750 | 5,191 |
| Average equity | $9,665,250 | 4,392 |
| Average total loans | $10,432,750 | 5,346 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 3,885 |
| Cost of funding earning assets | 0.6000% | 2,226 |
| Net interest margin | 3.3657% | 4,058 |
| Noninterest income to average assets | 0.7399% | 1,686 |
| Noninterest expense to average assets | 2.8698% | 2,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9830% | 3,096 |
| Return on assets (ROA) | 0.9830% | 3,101 |
| Pretax return on assets | 0.9830% | 3,719 |
| Return on Equity (ROE) | 3.7816% | 4,873 |
| Retained earnings to average equity (ytd only) | 3.7816% | 3,709 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4856% | 1,640 |
| Assets per employee ($millions) | 7.4014% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,055 |
| Loan loss allowance to noncurrent loans | 118.1818% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 3,454 |
| Noncurrent loans to loans | 1.1211% | 1,570 |
| Net loans and leases to total assets | 28.7783% | 5,350 |
| Net loans and leases to deposits | 44.3122% | 5,137 |
| Net loans and leases to core deposits | 45.9964% | 5,150 |
| Total domestic deposits to total assets | 64.9445% | 5,398 |
| Equity capital to assets | 26.8436% | 95 |
| Core capital (leverage) ratio | 26.9378% | 91 |
| Tier 1 risk-based capital ratio | 70.6002% | 65 |
| Total risk-based capital ratio | 71.6065% | 65 |
| Memoranda: | ||
| Average total assets | $37,842,000 | 5,257 |
| Average earning assets | $34,999,670 | 5,238 |
| Average equity | $9,837,000 | 4,399 |
| Average total loans | $10,218,000 | 5,409 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1540% | 3,048 |
| Cost of funding earning assets | 0.6099% | 1,988 |
| Net interest margin | 3.5441% | 3,369 |
| Noninterest income to average assets | 0.5541% | 2,506 |
| Noninterest expense to average assets | 2.8124% | 2,651 |
| Loan and lease loss provision to assets | 0.1255% | 1,502 |
| Net operating income to assets | 0.8364% | 3,571 |
| Return on assets (ROA) | 0.8364% | 3,585 |
| Pretax return on assets | 0.8364% | 4,063 |
| Return on Equity (ROE) | 3.2691% | 4,959 |
| Retained earnings to average equity (ytd only) | 3.2691% | 3,899 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5152% | 1,818 |
| Assets per employee ($millions) | 6.3015% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,214 |
| Loan loss allowance to noncurrent loans | 336.9565% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 4,486 |
| Noncurrent loans to loans | 0.4681% | 3,126 |
| Net loans and leases to total assets | 25.5839% | 5,441 |
| Net loans and leases to deposits | 35.5651% | 5,366 |
| Net loans and leases to core deposits | 36.7515% | 5,383 |
| Total domestic deposits to total assets | 71.9353% | 5,288 |
| Equity capital to assets | 25.9965% | 94 |
| Core capital (leverage) ratio | 26.5143% | 91 |
| Tier 1 risk-based capital ratio | 57.5670% | 96 |
| Total risk-based capital ratio | 58.4657% | 96 |
| Memoranda: | ||
| Average total assets | $38,259,500 | 5,304 |
| Average earning assets | $34,762,000 | 5,298 |
| Average equity | $9,788,500 | 4,457 |
| Average total loans | $9,930,500 | 5,477 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7914% | 4,076 |
| Cost of funding earning assets | 0.5539% | 1,922 |
| Net interest margin | 3.2375% | 4,338 |
| Noninterest income to average assets | 1.6363% | 396 |
| Noninterest expense to average assets | 3.2648% | 1,448 |
| Loan and lease loss provision to assets | 0.1566% | 1,435 |
| Net operating income to assets | 1.3075% | 1,210 |
| Return on assets (ROA) | 1.3075% | 1,223 |
| Pretax return on assets | 1.3727% | 2,078 |
| Return on Equity (ROE) | 5.0885% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.0885% | 2,073 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1002% | 2,877 |
| Assets per employee ($millions) | 6.4517% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 1,666 |
| 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 | 25.5490% | 5,510 |
| Net loans and leases to deposits | 36.0331% | 5,427 |
| Net loans and leases to core deposits | 37.2210% | 5,436 |
| Total domestic deposits to total assets | 70.9042% | 5,371 |
| Equity capital to assets | 25.1821% | 98 |
| Core capital (leverage) ratio | 25.5104% | 93 |
| Tier 1 risk-based capital ratio | 70.5372% | 59 |
| Total risk-based capital ratio | 71.5616% | 59 |
| Memoranda: | ||
| Average total assets | $38,318,000 | 5,355 |
| Average earning assets | $37,374,400 | 5,313 |
| Average equity | $9,845,800 | 4,479 |
| Average total loans | $12,034,800 | 5,503 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2155% | 5,211 |
| Cost of funding earning assets | 0.5103% | 2,185 |
| Net interest margin | 2.7052% | 5,317 |
| Noninterest income to average assets | 1.1163% | 817 |
| Noninterest expense to average assets | 2.6443% | 3,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1163% | 2,010 |
| Return on assets (ROA) | 1.1163% | 2,078 |
| Pretax return on assets | 1.1163% | 3,244 |
| Return on Equity (ROE) | 4.3227% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.3227% | 3,333 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3154% | 2,488 |
| Assets per employee ($millions) | 6.3888% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6009% | 5,318 |
| Loan loss allowance to noncurrent loans | 18.8209% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.1504% | 1,435 |
| Noncurrent loans to loans | 3.1929% | 371 |
| Net loans and leases to total assets | 35.8151% | 5,355 |
| Net loans and leases to deposits | 50.5188% | 5,108 |
| Net loans and leases to core deposits | 52.1976% | 5,135 |
| Total domestic deposits to total assets | 70.8945% | 5,443 |
| Equity capital to assets | 26.0872% | 89 |
| Core capital (leverage) ratio | 25.5089% | 92 |
| Tier 1 risk-based capital ratio | 68.0318% | 65 |
| Total risk-based capital ratio | 68.5965% | 67 |
| Memoranda: | ||
| Average total assets | $38,220,000 | 5,416 |
| Average earning assets | $37,359,750 | 5,372 |
| Average equity | $9,870,250 | 4,520 |
| Average total loans | $12,535,250 | 5,558 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3550% | 5,027 |
| Cost of funding earning assets | 0.5162% | 2,047 |
| Net interest margin | 2.8389% | 5,190 |
| Noninterest income to average assets | 0.7543% | 1,748 |
| Noninterest expense to average assets | 2.0062% | 4,966 |
| Loan and lease loss provision to assets | 0.0995% | 2,026 |
| Net operating income to assets | 1.3724% | 1,125 |
| Return on assets (ROA) | 1.3724% | 1,150 |
| Pretax return on assets | 1.4143% | 1,955 |
| Return on Equity (ROE) | 5.3322% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.3322% | 2,513 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9940% | 4,710 |
| Assets per employee ($millions) | 6.4892% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 5,099 |
| Loan loss allowance to noncurrent loans | 21.7949% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 1.2020% | 1,414 |
| Noncurrent loans to loans | 3.4136% | 343 |
| Net loans and leases to total assets | 34.9506% | 5,417 |
| Net loans and leases to deposits | 49.5323% | 5,158 |
| Net loans and leases to core deposits | 51.6550% | 5,161 |
| Total domestic deposits to total assets | 70.5612% | 5,518 |
| Equity capital to assets | 25.7249% | 91 |
| Core capital (leverage) ratio | 24.5606% | 106 |
| Tier 1 risk-based capital ratio | 65.4596% | 71 |
| Total risk-based capital ratio | 66.1552% | 72 |
| Memoranda: | ||
| Average total assets | $38,182,330 | 5,459 |
| Average earning assets | $37,198,000 | 5,413 |
| Average equity | $9,827,000 | 4,536 |
| Average total loans | $12,109,670 | 5,611 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2868% | 5,127 |
| Cost of funding earning assets | 0.4990% | 2,096 |
| Net interest margin | 2.7878% | 5,268 |
| Noninterest income to average assets | 0.6242% | 2,299 |
| Noninterest expense to average assets | 2.2007% | 4,642 |
| Loan and lease loss provision to assets | 0.1481% | 1,259 |
| Net operating income to assets | 0.9946% | 2,331 |
| Return on assets (ROA) | 0.9946% | 2,383 |
| Pretax return on assets | 0.9946% | 3,390 |
| Return on Equity (ROE) | 3.8633% | 4,830 |
| Retained earnings to average equity (ytd only) | 3.8633% | 3,521 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8228% | 3,530 |
| Assets per employee ($millions) | 6.3707% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 4,882 |
| Loan loss allowance to noncurrent loans | 28.7834% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 0.8816% | 2,096 |
| Noncurrent loans to loans | 2.9990% | 462 |
| Net loans and leases to total assets | 29.1440% | 5,606 |
| Net loans and leases to deposits | 40.1818% | 5,468 |
| Net loans and leases to core deposits | 42.3558% | 5,455 |
| Total domestic deposits to total assets | 72.5303% | 5,516 |
| Equity capital to assets | 25.5337% | 94 |
| Core capital (leverage) ratio | 24.3336% | 108 |
| Tier 1 risk-based capital ratio | 68.3581% | 69 |
| Total risk-based capital ratio | 69.0613% | 69 |
| Memoranda: | ||
| Average total assets | $37,806,000 | 5,527 |
| Average earning assets | $36,874,500 | 5,484 |
| Average equity | $9,732,500 | 4,584 |
| Average total loans | $11,309,500 | 5,685 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1298% | 5,378 |
| Cost of funding earning assets | 0.5031% | 2,066 |
| Net interest margin | 2.6267% | 5,489 |
| Noninterest income to average assets | 0.7921% | 1,772 |
| Noninterest expense to average assets | 2.5983% | 3,678 |
| Loan and lease loss provision to assets | 0.0241% | 3,881 |
| Net operating income to assets | 0.6737% | 3,896 |
| Return on assets (ROA) | 1.0008% | 2,452 |
| Pretax return on assets | 1.0356% | 3,341 |
| Return on Equity (ROE) | 3.9325% | 4,858 |
| Retained earnings to average equity (ytd only) | 3.9325% | 3,126 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2434% | 1,662 |
| Assets per employee ($millions) | 6.2313% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 5,296 |
| Loan loss allowance to noncurrent loans | 37.8995% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5857% | 2,978 |
| Noncurrent loans to loans | 1.9241% | 957 |
| Net loans and leases to total assets | 30.2209% | 5,639 |
| Net loans and leases to deposits | 41.7708% | 5,500 |
| Net loans and leases to core deposits | 44.6072% | 5,472 |
| Total domestic deposits to total assets | 72.3494% | 5,535 |
| Equity capital to assets | 25.9575% | 89 |
| Core capital (leverage) ratio | 24.7797% | 103 |
| Tier 1 risk-based capital ratio | 60.0579% | 81 |
| Total risk-based capital ratio | 60.5918% | 84 |
| Memoranda: | ||
| Average total assets | $37,370,000 | 5,585 |
| Average earning assets | $35,977,000 | 5,542 |
| Average equity | $9,510,400 | 4,655 |
| Average total loans | $10,683,400 | 5,750 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1190% | 5,455 |
| Cost of funding earning assets | 0.5007% | 2,099 |
| Net interest margin | 2.6183% | 5,575 |
| Noninterest income to average assets | 1.2453% | 749 |
| Noninterest expense to average assets | 2.6262% | 3,575 |
| Loan and lease loss provision to assets | 0.0107% | 4,028 |
| Net operating income to assets | 1.1276% | 1,886 |
| Return on assets (ROA) | 1.1276% | 2,002 |
| Pretax return on assets | 1.1276% | 3,126 |
| Return on Equity (ROE) | 4.4529% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.4529% | 3,162 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7630% | 2,920 |
| Assets per employee ($millions) | 6.3013% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 5,317 |
| Loan loss allowance to noncurrent loans | 27.7978% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 2,728 |
| Noncurrent loans to loans | 2.7024% | 607 |
| Net loans and leases to total assets | 26.9070% | 5,778 |
| Net loans and leases to deposits | 36.7867% | 5,713 |
| Net loans and leases to core deposits | 38.3380% | 5,716 |
| Total domestic deposits to total assets | 73.1433% | 5,510 |
| Equity capital to assets | 25.7168% | 97 |
| Core capital (leverage) ratio | 24.6666% | 104 |
| Tier 1 risk-based capital ratio | 60.7925% | 81 |
| Total risk-based capital ratio | 61.2977% | 83 |
| Memoranda: | ||
| Average total assets | $37,365,500 | 5,646 |
| Average earning assets | $35,951,250 | 5,601 |
| Average equity | $9,461,750 | 4,708 |
| Average total loans | $10,508,750 | 5,819 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2143% | 5,407 |
| Cost of funding earning assets | 0.4975% | 2,116 |
| Net interest margin | 2.7168% | 5,550 |
| Noninterest income to average assets | 0.6556% | 2,347 |
| Noninterest expense to average assets | 2.6331% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6261% | 4,161 |
| Return on assets (ROA) | 1.2897% | 1,413 |
| Pretax return on assets | 1.3112% | 2,361 |
| Return on Equity (ROE) | 5.1202% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.1202% | 2,651 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5921% | 1,430 |
| Assets per employee ($millions) | 7.6410% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 5,449 |
| Loan loss allowance to noncurrent loans | 13.0282% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 5.4338% | 125 |
| Noncurrent loans to loans | 5.6260% | 136 |
| Net loans and leases to total assets | 26.2322% | 5,865 |
| Net loans and leases to deposits | 36.7982% | 5,772 |
| Net loans and leases to core deposits | 38.3882% | 5,782 |
| Total domestic deposits to total assets | 71.2865% | 5,711 |
| Equity capital to assets | 25.2559% | 97 |
| Core capital (leverage) ratio | 25.1553% | 91 |
| Tier 1 risk-based capital ratio | 252.7358% | 20 |
| Total risk-based capital ratio | 253.9731% | 20 |
| Memoranda: | ||
| Average total assets | $37,218,000 | 5,717 |
| Average earning assets | $35,778,000 | 5,669 |
| Average equity | $9,374,670 | 4,760 |
| Average total loans | $10,595,000 | 5,888 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1176% | 5,589 |
| Cost of funding earning assets | 0.4857% | 2,224 |
| Net interest margin | 2.6319% | 5,690 |
| Noninterest income to average assets | 0.1198% | 5,740 |
| Noninterest expense to average assets | 2.2111% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4030% | 4,990 |
| Return on assets (ROA) | 0.4030% | 5,065 |
| Pretax return on assets | 0.4466% | 5,216 |
| Return on Equity (ROE) | 1.6022% | 5,595 |
| Retained earnings to average equity (ytd only) | 1.6022% | 4,631 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1967% | 1,238 |
| Assets per employee ($millions) | 7.2858% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6894% | 5,614 |
| Loan loss allowance to noncurrent loans | 10.1231% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 2.0066% | 865 |
| Noncurrent loans to loans | 6.8101% | 108 |
| Net loans and leases to total assets | 29.2624% | 5,844 |
| Net loans and leases to deposits | 40.3086% | 5,705 |
| Net loans and leases to core deposits | 41.6016% | 5,727 |
| Total domestic deposits to total assets | 72.5960% | 5,735 |
| Equity capital to assets | 25.7158% | 87 |
| Core capital (leverage) ratio | 25.5031% | 88 |
| Tier 1 risk-based capital ratio | 88.7925% | 47 |
| Total risk-based capital ratio | 89.5056% | 46 |
| Memoranda: | ||
| Average total assets | $36,724,500 | 5,782 |
| Average earning assets | $35,411,500 | 5,734 |
| Average equity | $9,237,500 | 4,806 |
| Average total loans | $10,844,500 | 5,942 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1135% | 5,619 |
| Cost of funding earning assets | 0.4904% | 2,249 |
| Net interest margin | 2.6231% | 5,737 |
| Noninterest income to average assets | 0.2882% | 4,829 |
| Noninterest expense to average assets | 2.2789% | 4,849 |
| Loan and lease loss provision to assets | 0.0108% | 4,189 |
| Net operating income to assets | 0.4901% | 4,731 |
| Return on assets (ROA) | 0.6573% | 4,097 |
| Pretax return on assets | 0.6977% | 4,535 |
| Return on Equity (ROE) | 2.6746% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.6746% | 4,169 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1122% | 1,518 |
| Assets per employee ($millions) | 7.4040% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6755% | 5,681 |
| Loan loss allowance to noncurrent loans | 15.1020% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 1.3668% | 1,535 |
| Noncurrent loans to loans | 4.4728% | 243 |
| Net loans and leases to total assets | 29.3922% | 5,907 |
| Net loans and leases to deposits | 41.6163% | 5,719 |
| Net loans and leases to core deposits | 42.9671% | 5,742 |
| Total domestic deposits to total assets | 70.6267% | 5,867 |
| Equity capital to assets | 24.6002% | 102 |
| Core capital (leverage) ratio | 23.5154% | 108 |
| Tier 1 risk-based capital ratio | 83.9439% | 50 |
| Total risk-based capital ratio | 84.6499% | 50 |
| Memoranda: | ||
| Average total assets | $37,123,600 | 5,821 |
| Average earning assets | $35,683,000 | 5,771 |
| Average equity | $9,123,000 | 4,817 |
| Average total loans | $9,719,600 | 6,020 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1905% | 5,599 |
| Cost of funding earning assets | 0.4920% | 2,296 |
| Net interest margin | 2.6985% | 5,725 |
| Noninterest income to average assets | 0.5835% | 2,827 |
| Noninterest expense to average assets | 2.4485% | 4,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6620% | 4,069 |
| Return on assets (ROA) | 0.8770% | 3,138 |
| Pretax return on assets | 0.9629% | 3,769 |
| Return on Equity (ROE) | 3.5412% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.5412% | 3,948 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1139% | 2,073 |
| Assets per employee ($millions) | 7.7478% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6345% | 5,846 |
| Loan loss allowance to noncurrent loans | 26.0223% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 0.7357% | 3,070 |
| Noncurrent loans to loans | 2.4384% | 842 |
| Net loans and leases to total assets | 28.2971% | 6,021 |
| Net loans and leases to deposits | 40.3653% | 5,852 |
| Net loans and leases to core deposits | 41.6236% | 5,864 |
| Total domestic deposits to total assets | 70.1025% | 5,967 |
| Equity capital to assets | 23.3098% | 122 |
| Core capital (leverage) ratio | 23.6073% | 112 |
| Tier 1 risk-based capital ratio | 91.1438% | 46 |
| Total risk-based capital ratio | 91.8580% | 46 |
| Memoranda: | ||
| Average total assets | $37,247,000 | 5,898 |
| Average earning assets | $35,772,250 | 5,850 |
| Average equity | $9,224,500 | 4,860 |
| Average total loans | $9,508,250 | 6,105 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2475% | 5,542 |
| Cost of funding earning assets | 0.4922% | 2,322 |
| Net interest margin | 2.7553% | 5,698 |
| Noninterest income to average assets | 0.5116% | 3,295 |
| Noninterest expense to average assets | 2.5034% | 4,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6095% | 4,296 |
| Return on assets (ROA) | 0.6095% | 4,413 |
| Pretax return on assets | 0.6585% | 4,796 |
| Return on Equity (ROE) | 2.4114% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.4114% | 4,522 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1738% | 1,884 |
| Assets per employee ($millions) | 7.5386% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7183% | 5,773 |
| Loan loss allowance to noncurrent loans | 25.6410% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 2,633 |
| Noncurrent loans to loans | 2.8014% | 742 |
| Net loans and leases to total assets | 25.6679% | 6,138 |
| Net loans and leases to deposits | 35.2575% | 6,053 |
| Net loans and leases to core deposits | 36.5494% | 6,056 |
| Total domestic deposits to total assets | 72.8013% | 5,890 |
| Equity capital to assets | 25.2965% | 90 |
| Core capital (leverage) ratio | 24.3494% | 97 |
| Tier 1 risk-based capital ratio | 98.7694% | 45 |
| Total risk-based capital ratio | 99.5250% | 46 |
| Memoranda: | ||
| Average total assets | $36,749,670 | 5,978 |
| Average earning assets | $35,350,670 | 5,922 |
| Average equity | $9,289,330 | 4,887 |
| Average total loans | $9,000,330 | 6,185 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3087% | 5,428 |
| Cost of funding earning assets | 0.4923% | 2,357 |
| Net interest margin | 2.8164% | 5,612 |
| Noninterest income to average assets | 0.4410% | 3,687 |
| Noninterest expense to average assets | 2.3816% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6946% | 3,827 |
| Return on assets (ROA) | 0.6946% | 3,953 |
| Pretax return on assets | 0.7718% | 4,341 |
| Return on Equity (ROE) | 2.7491% | 5,458 |
| Retained earnings to average equity (ytd only) | 2.7491% | 4,306 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5245% | 2,579 |
| Assets per employee ($millions) | 7.4024% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 5,709 |
| Loan loss allowance to noncurrent loans | 27.6680% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 0.9132% | 2,812 |
| Noncurrent loans to loans | 2.8685% | 787 |
| Net loans and leases to total assets | 23.6410% | 6,218 |
| Net loans and leases to deposits | 32.4784% | 6,144 |
| Net loans and leases to core deposits | 33.6888% | 6,148 |
| Total domestic deposits to total assets | 72.7899% | 5,994 |
| Equity capital to assets | 24.9243% | 96 |
| Core capital (leverage) ratio | 24.3343% | 96 |
| Tier 1 risk-based capital ratio | 100.8382% | 53 |
| Total risk-based capital ratio | 101.6420% | 55 |
| Memoranda: | ||
| Average total assets | $36,278,000 | 6,047 |
| Average earning assets | $34,938,000 | 5,989 |
| Average equity | $9,166,500 | 4,950 |
| Average total loans | $8,628,000 | 6,263 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0894% | 5,970 |
| Cost of funding earning assets | 0.5080% | 2,589 |
| Net interest margin | 2.5814% | 6,093 |
| Noninterest income to average assets | 0.3788% | 4,353 |
| Noninterest expense to average assets | 2.4126% | 4,812 |
| Loan and lease loss provision to assets | 0.2250% | 1,090 |
| Net operating income to assets | 0.2336% | 5,695 |
| Return on assets (ROA) | 0.3162% | 5,548 |
| Pretax return on assets | 0.2991% | 5,704 |
| Return on Equity (ROE) | 1.2425% | 5,939 |
| Retained earnings to average equity (ytd only) | 1.2425% | 5,222 |
| Net charge-offs to loans | 1.5950% | 148 |
| Credit loss provision to net charge-offs | 61.7188% | 3,253 |
| Earnings coverage of net charge-offs (x) | 1.2109% | 4,470 |
| Efficiency ratio | 84.5309% | 1,339 |
| Assets per employee ($millions) | 7.1088% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 5,691 |
| Loan loss allowance to noncurrent loans | 36.4583% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 0.8637% | 3,049 |
| Noncurrent loans to loans | 2.2760% | 1,148 |
| Net loans and leases to total assets | 23.5370% | 6,324 |
| Net loans and leases to deposits | 31.9838% | 6,260 |
| Net loans and leases to core deposits | 33.3426% | 6,252 |
| Total domestic deposits to total assets | 73.5905% | 5,975 |
| Equity capital to assets | 25.6246% | 90 |
| Core capital (leverage) ratio | 24.5432% | 96 |
| Tier 1 risk-based capital ratio | 91.4795% | 50 |
| Total risk-based capital ratio | 92.2141% | 50 |
| Memoranda: | ||
| Average total assets | $35,107,000 | 6,155 |
| Average earning assets | $33,664,000 | 6,103 |
| Average equity | $8,933,600 | 4,988 |
| Average total loans | $8,025,200 | 6,368 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0154% | 6,123 |
| Cost of funding earning assets | 0.5099% | 2,660 |
| Net interest margin | 2.5056% | 6,218 |
| Noninterest income to average assets | 0.3810% | 4,393 |
| Noninterest expense to average assets | 2.3963% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3544% | 5,414 |
| Return on assets (ROA) | 0.4572% | 5,122 |
| Pretax return on assets | 0.4915% | 5,342 |
| Return on Equity (ROE) | 1.7998% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.7998% | 5,150 |
| Net charge-offs to loans | 1.8849% | 110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.8929% | 4,285 |
| Efficiency ratio | 86.2826% | 1,159 |
| Assets per employee ($millions) | 7.0992% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0860% | 6,517 |
| Loan loss allowance to noncurrent loans | 1.3725% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 1.4368% | 2,150 |
| Noncurrent loans to loans | 6.2646% | 215 |
| Net loans and leases to total assets | 22.9153% | 6,405 |
| Net loans and leases to deposits | 31.0387% | 6,357 |
| Net loans and leases to core deposits | 32.3522% | 6,355 |
| Total domestic deposits to total assets | 73.8280% | 6,031 |
| Equity capital to assets | 25.5353% | 91 |
| Core capital (leverage) ratio | 24.6769% | 92 |
| Tier 1 risk-based capital ratio | 93.2970% | 50 |
| Total risk-based capital ratio | 93.3718% | 50 |
| Memoranda: | ||
| Average total assets | $34,997,750 | 6,231 |
| Average earning assets | $33,471,500 | 6,177 |
| Average equity | $8,890,000 | 5,039 |
| Average total loans | $7,922,500 | 6,446 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0110% | 6,162 |
| Cost of funding earning assets | 0.5169% | 2,665 |
| Net interest margin | 2.4941% | 6,284 |
| Noninterest income to average assets | 0.2584% | 5,343 |
| Noninterest expense to average assets | 2.3484% | 5,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2717% | 5,660 |
| Return on assets (ROA) | 0.4249% | 5,201 |
| Pretax return on assets | 0.4594% | 5,395 |
| Return on Equity (ROE) | 1.6757% | 5,916 |
| Retained earnings to average equity (ytd only) | 1.6757% | 5,064 |
| Net charge-offs to loans | 1.5542% | 172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.8361% | 3,961 |
| Efficiency ratio | 88.9130% | 1,001 |
| Assets per employee ($millions) | 7.0538% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 6,083 |
| Loan loss allowance to noncurrent loans | 12.3932% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 2.5887% | 1,060 |
| Noncurrent loans to loans | 6.0716% | 253 |
| Net loans and leases to total assets | 21.6904% | 6,488 |
| Net loans and leases to deposits | 29.3779% | 6,437 |
| Net loans and leases to core deposits | 30.6319% | 6,441 |
| Total domestic deposits to total assets | 73.8325% | 6,127 |
| Equity capital to assets | 25.5182% | 87 |
| Core capital (leverage) ratio | 25.1339% | 85 |
| Tier 1 risk-based capital ratio | 89.6149% | 52 |
| Total risk-based capital ratio | 90.2137% | 52 |
| Memoranda: | ||
| Average total assets | $34,831,670 | 6,294 |
| Average earning assets | $33,278,330 | 6,241 |
| Average equity | $8,832,000 | 5,076 |
| Average total loans | $7,849,670 | 6,514 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0170% | 6,225 |
| Cost of funding earning assets | 0.5574% | 2,369 |
| Net interest margin | 2.4597% | 6,363 |
| Noninterest income to average assets | 0.1156% | 6,275 |
| Noninterest expense to average assets | 2.3691% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0909% | 6,051 |
| Return on assets (ROA) | 0.4160% | 5,129 |
| Pretax return on assets | 0.4276% | 5,365 |
| Return on Equity (ROE) | 1.6461% | 5,885 |
| Retained earnings to average equity (ytd only) | 1.6461% | 4,955 |
| Net charge-offs to loans | 0.3030% | 1,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 3,118 |
| Efficiency ratio | 96.2441% | 624 |
| Assets per employee ($millions) | 6.8282% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 3,358 |
| Loan loss allowance to noncurrent loans | 11.9324% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 2.7738% | 1,079 |
| Noncurrent loans to loans | 12.1848% | 60 |
| Net loans and leases to total assets | 22.4334% | 6,535 |
| Net loans and leases to deposits | 30.3712% | 6,475 |
| Net loans and leases to core deposits | 31.7103% | 6,463 |
| Total domestic deposits to total assets | 73.8643% | 6,252 |
| Equity capital to assets | 25.7989% | 87 |
| Core capital (leverage) ratio | 24.7764% | 91 |
| Tier 1 risk-based capital ratio | 92.7751% | 54 |
| Total risk-based capital ratio | 93.9882% | 53 |
| Memoranda: | ||
| Average total assets | $34,613,000 | 6,360 |
| Average earning assets | $33,012,500 | 6,312 |
| Average equity | $8,748,000 | 5,115 |
| Average total loans | $7,920,500 | 6,579 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9214% | 6,408 |
| Cost of funding earning assets | 0.5814% | 2,822 |
| Net interest margin | 2.3400% | 6,493 |
| Noninterest income to average assets | 0.2702% | 5,420 |
| Noninterest expense to average assets | 2.1754% | 5,687 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3695% | 5,263 |
| Return on assets (ROA) | 0.5376% | 4,694 |
| Pretax return on assets | 0.5156% | 5,160 |
| Return on Equity (ROE) | 2.2127% | 5,764 |
| Retained earnings to average equity (ytd only) | 2.2127% | 4,673 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2295% | 1,396 |
| Assets per employee ($millions) | 7.0170% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 3,309 |
| Loan loss allowance to noncurrent loans | 12.3188% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 2.8303% | 1,142 |
| Noncurrent loans to loans | 11.9717% | 74 |
| Net loans and leases to total assets | 22.6593% | 6,623 |
| Net loans and leases to deposits | 31.4416% | 6,552 |
| Net loans and leases to core deposits | 32.8214% | 6,539 |
| Total domestic deposits to total assets | 72.0678% | 6,418 |
| Equity capital to assets | 24.7627% | 98 |
| Core capital (leverage) ratio | 24.4246% | 95 |
| Tier 1 risk-based capital ratio | 88.6223% | 54 |
| Total risk-based capital ratio | 89.8476% | 54 |
| Memoranda: | ||
| Average total assets | $36,269,000 | 6,385 |
| Average earning assets | $34,914,400 | 6,323 |
| Average equity | $8,812,600 | 5,139 |
| Average total loans | $9,082,800 | 6,616 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8497% | 6,534 |
| Cost of funding earning assets | 0.5782% | 3,011 |
| Net interest margin | 2.2714% | 6,603 |
| Noninterest income to average assets | 0.2771% | 5,463 |
| Noninterest expense to average assets | 2.1295% | 5,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3067% | 5,596 |
| Return on assets (ROA) | 0.5069% | 4,926 |
| Pretax return on assets | 0.5615% | 5,163 |
| Return on Equity (ROE) | 2.0956% | 5,907 |
| Retained earnings to average equity (ytd only) | 2.0956% | 5,069 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2629% | 1,338 |
| Assets per employee ($millions) | 7.0566% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 4,104 |
| Loan loss allowance to noncurrent loans | 12.7001% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 2.6557% | 1,419 |
| Noncurrent loans to loans | 10.6781% | 110 |
| Net loans and leases to total assets | 24.5331% | 6,679 |
| Net loans and leases to deposits | 33.9411% | 6,572 |
| Net loans and leases to core deposits | 35.4145% | 6,580 |
| Total domestic deposits to total assets | 72.2813% | 6,472 |
| Equity capital to assets | 24.4934% | 98 |
| Core capital (leverage) ratio | 24.1525% | 97 |
| Tier 1 risk-based capital ratio | 86.4684% | 51 |
| Total risk-based capital ratio | 87.6719% | 50 |
| Memoranda: | ||
| Average total assets | $36,565,000 | 6,446 |
| Average earning assets | $35,277,500 | 6,379 |
| Average equity | $8,843,750 | 5,179 |
| Average total loans | $9,336,250 | 6,688 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8431% | 6,584 |
| Cost of funding earning assets | 0.5933% | 3,002 |
| Net interest margin | 2.2499% | 6,656 |
| Noninterest income to average assets | 0.2595% | 5,599 |
| Noninterest expense to average assets | 2.0761% | 5,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3216% | 5,517 |
| Return on assets (ROA) | 0.6218% | 4,349 |
| Pretax return on assets | 0.6866% | 4,727 |
| Return on Equity (ROE) | 2.5811% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.5811% | 4,662 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3333% | 1,480 |
| Assets per employee ($millions) | 7.1042% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,488 |
| Loan loss allowance to noncurrent loans | 12.8510% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 2.6069% | 1,608 |
| Noncurrent loans to loans | 10.1502% | 154 |
| Net loans and leases to total assets | 25.3484% | 6,700 |
| Net loans and leases to deposits | 35.2655% | 6,574 |
| Net loans and leases to core deposits | 36.4948% | 6,587 |
| Total domestic deposits to total assets | 71.8786% | 6,567 |
| Equity capital to assets | 24.7009% | 91 |
| Core capital (leverage) ratio | 23.3589% | 103 |
| Tier 1 risk-based capital ratio | 87.5539% | 52 |
| Total risk-based capital ratio | 88.7759% | 50 |
| Memoranda: | ||
| Average total assets | $36,992,330 | 6,486 |
| Average earning assets | $35,735,330 | 6,414 |
| Average equity | $8,911,000 | 5,192 |
| Average total loans | $9,523,330 | 6,729 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8997% | 6,611 |
| Cost of funding earning assets | 0.6480% | 2,677 |
| Net interest margin | 2.2517% | 6,726 |
| Noninterest income to average assets | 0.2545% | 5,637 |
| Noninterest expense to average assets | 1.8024% | 6,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5725% | 4,348 |
| Return on assets (ROA) | 0.5725% | 4,497 |
| Pretax return on assets | 0.6255% | 4,853 |
| Return on Equity (ROE) | 2.4055% | 5,812 |
| Retained earnings to average equity (ytd only) | 2.4055% | 4,826 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2358% | 3,227 |
| Assets per employee ($millions) | 7.4414% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 5,021 |
| Loan loss allowance to noncurrent loans | 13.1202% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 2.4377% | 1,895 |
| Noncurrent loans to loans | 9.4156% | 241 |
| Net loans and leases to total assets | 25.5705% | 6,739 |
| Net loans and leases to deposits | 36.0515% | 6,569 |
| Net loans and leases to core deposits | 37.2660% | 6,588 |
| Total domestic deposits to total assets | 70.9275% | 6,714 |
| Equity capital to assets | 24.1111% | 105 |
| Core capital (leverage) ratio | 22.3107% | 126 |
| Tier 1 risk-based capital ratio | 84.0966% | 57 |
| Total risk-based capital ratio | 85.2786% | 57 |
| Memoranda: | ||
| Average total assets | $37,728,000 | 6,530 |
| Average earning assets | $36,417,000 | 6,450 |
| Average equity | $8,979,500 | 5,226 |
| Average total loans | $9,723,500 | 6,785 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1648% | 6,679 |
| Cost of funding earning assets | 0.7837% | 2,794 |
| Net interest margin | 2.3811% | 6,794 |
| Noninterest income to average assets | 0.3378% | 5,040 |
| Noninterest expense to average assets | 1.9342% | 6,451 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6412% | 4,030 |
| Return on assets (ROA) | 0.6412% | 4,288 |
| Pretax return on assets | 0.7045% | 4,653 |
| Return on Equity (ROE) | 2.7501% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.7501% | 4,304 |
| Net charge-offs to loans | 0.1816% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 13.3500% | 1,834 |
| Efficiency ratio | 73.3000% | 3,189 |
| Assets per employee ($millions) | 7.6498% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 5,057 |
| Loan loss allowance to noncurrent loans | 14.1836% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 2.1935% | 2,237 |
| Noncurrent loans to loans | 8.5490% | 324 |
| Net loans and leases to total assets | 25.3471% | 6,825 |
| Net loans and leases to deposits | 36.9151% | 6,662 |
| Net loans and leases to core deposits | 38.1648% | 6,665 |
| Total domestic deposits to total assets | 68.6632% | 6,835 |
| Equity capital to assets | 23.4987% | 113 |
| Core capital (leverage) ratio | 21.9933% | 137 |
| Tier 1 risk-based capital ratio | 81.2440% | 61 |
| Total risk-based capital ratio | 82.3933% | 61 |
| Memoranda: | ||
| Average total assets | $37,896,800 | 6,559 |
| Average earning assets | $36,621,600 | 6,484 |
| Average equity | $8,836,000 | 5,265 |
| Average total loans | $11,011,800 | 6,807 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2229% | 6,781 |
| Cost of funding earning assets | 0.8103% | 2,861 |
| Net interest margin | 2.4126% | 6,884 |
| Noninterest income to average assets | 0.3456% | 5,047 |
| Noninterest expense to average assets | 1.9360% | 6,461 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6665% | 4,057 |
| Return on assets (ROA) | 0.6665% | 4,327 |
| Pretax return on assets | 0.7405% | 4,707 |
| Return on Equity (ROE) | 2.8642% | 5,724 |
| Retained earnings to average equity (ytd only) | 2.8642% | 4,837 |
| Net charge-offs to loans | 0.2358% | 3,309 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 10.4983% | 2,179 |
| Efficiency ratio | 72.3320% | 3,259 |
| Assets per employee ($millions) | 9.5640% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 5,456 |
| Loan loss allowance to noncurrent loans | 14.2344% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 2.1853% | 2,449 |
| Noncurrent loans to loans | 8.1832% | 371 |
| Net loans and leases to total assets | 26.3932% | 6,913 |
| Net loans and leases to deposits | 38.4721% | 6,738 |
| Net loans and leases to core deposits | 39.7723% | 6,747 |
| Total domestic deposits to total assets | 68.6036% | 6,900 |
| Equity capital to assets | 23.4604% | 130 |
| Core capital (leverage) ratio | 21.8847% | 144 |
| Tier 1 risk-based capital ratio | 79.1402% | 62 |
| Total risk-based capital ratio | 80.2670% | 62 |
| Memoranda: | ||
| Average total assets | $37,808,750 | 6,643 |
| Average earning assets | $36,528,750 | 6,561 |
| Average equity | $8,798,000 | 5,327 |
| Average total loans | $11,311,250 | 6,890 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3016% | 6,810 |
| Cost of funding earning assets | 0.8570% | 2,740 |
| Net interest margin | 2.4446% | 6,932 |
| Noninterest income to average assets | 0.2655% | 5,674 |
| Noninterest expense to average assets | 1.9809% | 6,471 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5895% | 4,411 |
| Return on assets (ROA) | 0.5895% | 4,674 |
| Pretax return on assets | 0.6479% | 4,971 |
| Return on Equity (ROE) | 2.5403% | 5,865 |
| Retained earnings to average equity (ytd only) | 2.5403% | 4,916 |
| Net charge-offs to loans | 0.3426% | 2,645 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 6.1000% | 2,699 |
| Efficiency ratio | 75.3535% | 2,841 |
| Assets per employee ($millions) | 7.5552% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 5,833 |
| Loan loss allowance to noncurrent loans | 15.0824% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 2.0886% | 2,679 |
| Noncurrent loans to loans | 7.2068% | 529 |
| Net loans and leases to total assets | 28.6663% | 6,917 |
| Net loans and leases to deposits | 41.6869% | 6,669 |
| Net loans and leases to core deposits | 43.1091% | 6,693 |
| Total domestic deposits to total assets | 68.7659% | 6,963 |
| Equity capital to assets | 23.3376% | 125 |
| Core capital (leverage) ratio | 22.1116% | 131 |
| Tier 1 risk-based capital ratio | 75.4189% | 62 |
| Total risk-based capital ratio | 76.5027% | 62 |
| Memoranda: | ||
| Average total assets | $37,659,670 | 6,689 |
| Average earning assets | $36,406,670 | 6,609 |
| Average equity | $8,739,000 | 5,341 |
| Average total loans | $11,676,330 | 6,942 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4003% | 6,811 |
| Cost of funding earning assets | 0.9244% | 2,484 |
| Net interest margin | 2.4760% | 6,968 |
| Noninterest income to average assets | 0.2979% | 5,489 |
| Noninterest expense to average assets | 1.8829% | 6,676 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7553% | 3,597 |
| Return on assets (ROA) | 0.7553% | 3,837 |
| Pretax return on assets | 0.8085% | 4,382 |
| Return on Equity (ROE) | 3.2642% | 5,607 |
| Retained earnings to average equity (ytd only) | 3.2642% | 4,610 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9605% | 3,814 |
| Assets per employee ($millions) | 7.4970% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,505 |
| Loan loss allowance to noncurrent loans | 15.8134% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 2.3449% | 2,542 |
| Noncurrent loans to loans | 7.5574% | 552 |
| Net loans and leases to total assets | 30.6576% | 6,878 |
| Net loans and leases to deposits | 45.4409% | 6,470 |
| Net loans and leases to core deposits | 47.0386% | 6,506 |
| Total domestic deposits to total assets | 67.4670% | 7,065 |
| Equity capital to assets | 23.3107% | 118 |
| Core capital (leverage) ratio | 21.8122% | 136 |
| Tier 1 risk-based capital ratio | 72.3188% | 66 |
| Total risk-based capital ratio | 73.5387% | 65 |
| Memoranda: | ||
| Average total assets | $37,601,500 | 6,747 |
| Average earning assets | $36,349,500 | 6,664 |
| Average equity | $8,700,500 | 5,362 |
| Average total loans | $12,040,500 | 6,984 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 6,714 |
| Cost of funding earning assets | 1.1368% | 2,432 |
| Net interest margin | 2.6735% | 6,948 |
| Noninterest income to average assets | 0.2690% | 5,600 |
| Noninterest expense to average assets | 2.0044% | 6,667 |
| Loan and lease loss provision to assets | 0.0185% | 6,341 |
| Net operating income to assets | 0.7437% | 3,279 |
| Return on assets (ROA) | 0.7701% | 3,335 |
| Pretax return on assets | 0.8492% | 3,774 |
| Return on Equity (ROE) | 3.5111% | 5,063 |
| Retained earnings to average equity (ytd only) | 3.5111% | 3,722 |
| Net charge-offs to loans | 0.0945% | 5,400 |
| Credit loss provision to net charge-offs | 53.8462% | 5,324 |
| Earnings coverage of net charge-offs (x) | 24.4615% | 990 |
| Efficiency ratio | 70.5009% | 3,846 |
| Assets per employee ($millions) | 7.5436% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 5,759 |
| Loan loss allowance to noncurrent loans | 16.3722% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 2.2509% | 2,675 |
| Noncurrent loans to loans | 6.8193% | 660 |
| Net loans and leases to total assets | 32.6396% | 6,925 |
| Net loans and leases to deposits | 50.2674% | 6,345 |
| Net loans and leases to core deposits | 52.0902% | 6,424 |
| Total domestic deposits to total assets | 64.9319% | 7,157 |
| Equity capital to assets | 22.9678% | 132 |
| Core capital (leverage) ratio | 21.6254% | 145 |
| Tier 1 risk-based capital ratio | 69.9401% | 71 |
| Total risk-based capital ratio | 71.1301% | 70 |
| Memoranda: | ||
| Average total assets | $37,916,200 | 6,745 |
| Average earning assets | $36,506,400 | 6,653 |
| Average equity | $8,316,400 | 5,471 |
| Average total loans | $13,755,200 | 6,957 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8920% | 6,741 |
| Cost of funding earning assets | 1.1683% | 2,513 |
| Net interest margin | 2.7237% | 6,970 |
| Noninterest income to average assets | 0.2634% | 5,735 |
| Noninterest expense to average assets | 2.0088% | 6,673 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7835% | 3,238 |
| Return on assets (ROA) | 0.8183% | 3,234 |
| Pretax return on assets | 0.9131% | 3,711 |
| Return on Equity (ROE) | 3.7748% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.7748% | 4,053 |
| Net charge-offs to loans | 0.1231% | 4,807 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 19.1570% | 1,270 |
| Efficiency ratio | 69.6711% | 4,007 |
| Assets per employee ($millions) | 7.5330% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 6,127 |
| Loan loss allowance to noncurrent loans | 15.8084% | 6,793 |
| Noncurrent assets plus other real estate owned to assets | 2.2169% | 2,873 |
| Noncurrent loans to loans | 6.5107% | 809 |
| Net loans and leases to total assets | 33.6997% | 6,969 |
| Net loans and leases to deposits | 51.8145% | 6,382 |
| Net loans and leases to core deposits | 53.0821% | 6,505 |
| Total domestic deposits to total assets | 65.0392% | 7,230 |
| Equity capital to assets | 22.7877% | 149 |
| Core capital (leverage) ratio | 21.6042% | 158 |
| Tier 1 risk-based capital ratio | 68.6764% | 83 |
| Total risk-based capital ratio | 69.7942% | 83 |
| Memoranda: | ||
| Average total assets | $37,965,750 | 6,798 |
| Average earning assets | $36,518,500 | 6,716 |
| Average equity | $8,229,750 | 5,529 |
| Average total loans | $14,081,500 | 7,015 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 6,687 |
| Cost of funding earning assets | 1.2223% | 2,426 |
| Net interest margin | 2.7611% | 6,968 |
| Noninterest income to average assets | 0.1208% | 6,722 |
| Noninterest expense to average assets | 1.9808% | 6,833 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7250% | 3,416 |
| Return on assets (ROA) | 0.7776% | 3,295 |
| Pretax return on assets | 0.8564% | 3,808 |
| Return on Equity (ROE) | 3.6489% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.6489% | 3,906 |
| Net charge-offs to loans | 0.1793% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 11.6923% | 1,688 |
| Efficiency ratio | 71.2665% | 3,887 |
| Assets per employee ($millions) | 7.5462% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 6,557 |
| Loan loss allowance to noncurrent loans | 17.6235% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 1.9851% | 3,253 |
| Noncurrent loans to loans | 5.3177% | 1,205 |
| Net loans and leases to total assets | 36.9802% | 6,911 |
| Net loans and leases to deposits | 55.9440% | 6,141 |
| Net loans and leases to core deposits | 57.2830% | 6,326 |
| Total domestic deposits to total assets | 66.1021% | 7,261 |
| Equity capital to assets | 22.0773% | 177 |
| Core capital (leverage) ratio | 21.3119% | 178 |
| Tier 1 risk-based capital ratio | 65.6764% | 93 |
| Total risk-based capital ratio | 66.7567% | 91 |
| Memoranda: | ||
| Average total assets | $38,066,000 | 6,858 |
| Average earning assets | $36,651,670 | 6,772 |
| Average equity | $8,112,000 | 5,575 |
| Average total loans | $14,500,330 | 7,061 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 6,675 |
| Cost of funding earning assets | 1.2974% | 2,189 |
| Net interest margin | 2.7146% | 6,999 |
| Noninterest income to average assets | 0.0837% | 6,986 |
| Noninterest expense to average assets | 1.8727% | 7,037 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7323% | 3,362 |
| Return on assets (ROA) | 0.7323% | 3,430 |
| Pretax return on assets | 0.8160% | 3,842 |
| Return on Equity (ROE) | 3.4987% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.4987% | 4,085 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6498% | 4,346 |
| Assets per employee ($millions) | 7.6256% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 6,392 |
| Loan loss allowance to noncurrent loans | 17.5971% | 6,853 |
| Noncurrent assets plus other real estate owned to assets | 2.1611% | 3,116 |
| Noncurrent loans to loans | 5.6981% | 1,140 |
| Net loans and leases to total assets | 37.5472% | 6,928 |
| Net loans and leases to deposits | 58.0794% | 5,914 |
| Net loans and leases to core deposits | 59.4839% | 6,141 |
| Total domestic deposits to total assets | 64.6480% | 7,360 |
| Equity capital to assets | 21.2914% | 192 |
| Core capital (leverage) ratio | 20.6646% | 195 |
| Tier 1 risk-based capital ratio | 63.8108% | 91 |
| Total risk-based capital ratio | 64.9751% | 90 |
| Memoranda: | ||
| Average total assets | $38,233,500 | 6,897 |
| Average earning assets | $36,690,000 | 6,820 |
| Average equity | $8,003,000 | 5,605 |
| Average total loans | $14,708,000 | 7,107 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 6,561 |
| Cost of funding earning assets | 1.6621% | 1,765 |
| Net interest margin | 2.7665% | 7,068 |
| Noninterest income to average assets | 0.3012% | 5,641 |
| Noninterest expense to average assets | 1.9274% | 7,119 |
| Loan and lease loss provision to assets | 0.0786% | 6,373 |
| Net operating income to assets | 0.8301% | 2,671 |
| Return on assets (ROA) | 0.8301% | 2,813 |
| Pretax return on assets | 0.9585% | 3,072 |
| Return on Equity (ROE) | 4.0093% | 4,519 |
| Retained earnings to average equity (ytd only) | 4.0093% | 3,056 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0177% | 5,160 |
| Assets per employee ($millions) | 7.6678% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 6,494 |
| Loan loss allowance to noncurrent loans | 25.0432% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 1.5102% | 4,051 |
| Noncurrent loans to loans | 3.8716% | 1,895 |
| Net loans and leases to total assets | 38.6291% | 7,044 |
| Net loans and leases to deposits | 61.3225% | 5,921 |
| Net loans and leases to core deposits | 62.8341% | 6,169 |
| Total domestic deposits to total assets | 62.9933% | 7,464 |
| Equity capital to assets | 20.5743% | 229 |
| Core capital (leverage) ratio | 20.3052% | 221 |
| Tier 1 risk-based capital ratio | 60.9581% | 102 |
| Total risk-based capital ratio | 62.0802% | 102 |
| Memoranda: | ||
| Average total assets | $38,186,600 | 6,928 |
| Average earning assets | $36,761,400 | 6,849 |
| Average equity | $7,906,600 | 5,745 |
| Average total loans | $17,636,800 | 7,055 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 6,534 |
| Cost of funding earning assets | 1.7285% | 1,728 |
| Net interest margin | 2.7998% | 7,131 |
| Noninterest income to average assets | 0.3076% | 5,692 |
| Noninterest expense to average assets | 1.8768% | 7,239 |
| Loan and lease loss provision to assets | 0.1049% | 5,985 |
| Net operating income to assets | 0.8982% | 2,615 |
| Return on assets (ROA) | 0.8982% | 2,765 |
| Pretax return on assets | 1.0206% | 3,108 |
| Return on Equity (ROE) | 4.3313% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.3313% | 3,450 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5146% | 5,519 |
| Assets per employee ($millions) | 7.6566% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 6,804 |
| Loan loss allowance to noncurrent loans | 26.3158% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 1.4393% | 4,295 |
| Noncurrent loans to loans | 3.3400% | 2,380 |
| Net loans and leases to total assets | 42.7135% | 6,927 |
| Net loans and leases to deposits | 68.9347% | 5,289 |
| Net loans and leases to core deposits | 70.6625% | 5,684 |
| Total domestic deposits to total assets | 61.9622% | 7,561 |
| Equity capital to assets | 21.1843% | 225 |
| Core capital (leverage) ratio | 20.3721% | 232 |
| Tier 1 risk-based capital ratio | 59.3667% | 113 |
| Total risk-based capital ratio | 60.4678% | 113 |
| Memoranda: | ||
| Average total assets | $38,148,500 | 7,014 |
| Average earning assets | $36,716,000 | 6,926 |
| Average equity | $7,911,250 | 5,820 |
| Average total loans | $18,307,250 | 7,106 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 6,515 |
| Cost of funding earning assets | 1.7941% | 1,664 |
| Net interest margin | 2.7866% | 7,160 |
| Noninterest income to average assets | 0.2624% | 6,036 |
| Noninterest expense to average assets | 1.8948% | 7,273 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9080% | 2,528 |
| Return on assets (ROA) | 0.9080% | 2,639 |
| Pretax return on assets | 1.0498% | 2,935 |
| Return on Equity (ROE) | 4.4105% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.4105% | 3,270 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3494% | 5,269 |
| Assets per employee ($millions) | 7.6218% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6425% | 7,350 |
| Loan loss allowance to noncurrent loans | 34.0237% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 5,343 |
| Noncurrent loans to loans | 1.8883% | 3,878 |
| Net loans and leases to total assets | 46.6688% | 6,730 |
| Net loans and leases to deposits | 74.8118% | 4,546 |
| Net loans and leases to core deposits | 76.6793% | 5,119 |
| Total domestic deposits to total assets | 62.3816% | 7,619 |
| Equity capital to assets | 20.8245% | 247 |
| Core capital (leverage) ratio | 19.9345% | 251 |
| Tier 1 risk-based capital ratio | 56.2400% | 127 |
| Total risk-based capital ratio | 57.0764% | 126 |
| Memoranda: | ||
| Average total assets | $38,103,670 | 7,070 |
| Average earning assets | $36,676,000 | 6,978 |
| Average equity | $7,845,000 | 5,856 |
| Average total loans | $18,910,670 | 7,133 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7223% | 6,164 |
| Cost of funding earning assets | 1.8540% | 1,641 |
| Net interest margin | 2.8683% | 7,076 |
| Noninterest income to average assets | 0.2520% | 6,136 |
| Noninterest expense to average assets | 1.8792% | 7,362 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9449% | 2,378 |
| Return on assets (ROA) | 0.9449% | 2,443 |
| Pretax return on assets | 1.1338% | 2,613 |
| Return on Equity (ROE) | 4.6157% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.6157% | 3,368 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3693% | 5,759 |
| Assets per employee ($millions) | 7.7372% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6091% | 7,486 |
| Loan loss allowance to noncurrent loans | 23.4216% | 6,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 4,637 |
| Noncurrent loans to loans | 2.6005% | 3,067 |
| Net loans and leases to total assets | 48.5085% | 6,620 |
| Net loans and leases to deposits | 80.0631% | 3,649 |
| Net loans and leases to core deposits | 81.1187% | 4,605 |
| Total domestic deposits to total assets | 60.5878% | 7,751 |
| Equity capital to assets | 20.2735% | 271 |
| Core capital (leverage) ratio | 20.0173% | 247 |
| Tier 1 risk-based capital ratio | 54.1593% | 133 |
| Total risk-based capital ratio | 54.9735% | 133 |
| Memoranda: | ||
| Average total assets | $38,101,000 | 7,154 |
| Average earning assets | $36,677,000 | 7,071 |
| Average equity | $7,799,500 | 5,911 |
| Average total loans | $19,416,000 | 7,186 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2177% | 5,568 |
| Cost of funding earning assets | 2.2378% | 1,876 |
| Net interest margin | 2.9800% | 6,700 |
| Noninterest income to average assets | 0.1114% | 7,202 |
| Noninterest expense to average assets | 1.9078% | 7,492 |
| Loan and lease loss provision to assets | 0.0870% | 6,742 |
| Net operating income to assets | 0.8071% | 2,512 |
| Return on assets (ROA) | 0.8071% | 2,592 |
| Pretax return on assets | 0.9865% | 2,636 |
| Return on Equity (ROE) | 3.9370% | 4,115 |
| Retained earnings to average equity (ytd only) | 3.9370% | 2,449 |
| Net charge-offs to loans | 0.0595% | 6,498 |
| Credit loss provision to net charge-offs | 246.1538% | 1,449 |
| Earnings coverage of net charge-offs (x) | 30.3846% | 752 |
| Efficiency ratio | 63.9927% | 5,781 |
| Assets per employee ($millions) | 7.5032% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5764% | 7,590 |
| Loan loss allowance to noncurrent loans | 38.4615% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 0.7970% | 5,513 |
| Noncurrent loans to loans | 1.4987% | 4,418 |
| Net loans and leases to total assets | 52.8734% | 6,319 |
| Net loans and leases to deposits | 89.2107% | 2,353 |
| Net loans and leases to core deposits | 118.3038% | 2,094 |
| Total domestic deposits to total assets | 59.2680% | 7,816 |
| Equity capital to assets | 20.6738% | 266 |
| Core capital (leverage) ratio | 20.1289% | 270 |
| Tier 1 risk-based capital ratio | 53.5671% | 138 |
| Total risk-based capital ratio | 54.3819% | 139 |
| Memoranda: | ||
| Average total assets | $36,796,400 | 7,218 |
| Average earning assets | $35,436,800 | 7,122 |
| Average equity | $7,543,800 | 6,070 |
| Average total loans | $21,836,000 | 7,096 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 5,420 |
| Cost of funding earning assets | 2.3062% | 1,960 |
| Net interest margin | 2.9942% | 6,627 |
| Noninterest income to average assets | 0.0765% | 7,523 |
| Noninterest expense to average assets | 1.8316% | 7,632 |
| Loan and lease loss provision to assets | 0.0910% | 6,461 |
| Net operating income to assets | 0.8339% | 2,684 |
| Return on assets (ROA) | 0.8339% | 2,742 |
| Pretax return on assets | 1.0378% | 2,782 |
| Return on Equity (ROE) | 4.0761% | 4,344 |
| Retained earnings to average equity (ytd only) | 4.0761% | 2,998 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8696% | 6,141 |
| Assets per employee ($millions) | 9.2920% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5569% | 7,633 |
| Loan loss allowance to noncurrent loans | 122.2222% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 6,837 |
| Noncurrent loans to loans | 0.4557% | 6,410 |
| Net loans and leases to total assets | 58.1307% | 5,871 |
| Net loans and leases to deposits | 98.6846% | 1,246 |
| Net loans and leases to core deposits | 129.2148% | 1,483 |
| Total domestic deposits to total assets | 58.9055% | 7,895 |
| Equity capital to assets | 20.8028% | 289 |
| Core capital (leverage) ratio | 20.2596% | 300 |
| Tier 1 risk-based capital ratio | 51.3291% | 162 |
| Total risk-based capital ratio | 52.1581% | 163 |
| Memoranda: | ||
| Average total assets | $36,616,500 | 7,286 |
| Average earning assets | $35,266,750 | 7,195 |
| Average equity | $7,490,750 | 6,155 |
| Average total loans | $22,307,250 | 7,136 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3338% | 5,482 |
| Cost of funding earning assets | 2.3560% | 2,141 |
| Net interest margin | 2.9778% | 6,615 |
| Noninterest income to average assets | 0.0933% | 7,509 |
| Noninterest expense to average assets | 1.9268% | 7,586 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7960% | 2,871 |
| Return on assets (ROA) | 0.7960% | 2,966 |
| Pretax return on assets | 1.0320% | 2,877 |
| Return on Equity (ROE) | 3.9135% | 4,529 |
| Retained earnings to average equity (ytd only) | 3.9135% | 3,104 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1206% | 5,692 |
| Assets per employee ($millions) | 7.3582% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4489% | 7,842 |
| Loan loss allowance to noncurrent loans | 23.0769% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 1.1307% | 4,692 |
| Noncurrent loans to loans | 1.9454% | 3,604 |
| Net loans and leases to total assets | 57.8620% | 5,982 |
| Net loans and leases to deposits | 99.5743% | 1,330 |
| Net loans and leases to core deposits | 126.7671% | 1,800 |
| Total domestic deposits to total assets | 58.1093% | 7,979 |
| Equity capital to assets | 20.2957% | 360 |
| Core capital (leverage) ratio | 20.2820% | 348 |
| Tier 1 risk-based capital ratio | 51.8547% | 170 |
| Total risk-based capital ratio | 52.5266% | 175 |
| Memoranda: | ||
| Average total assets | $36,432,670 | 7,364 |
| Average earning assets | $35,059,670 | 7,261 |
| Average equity | $7,410,330 | 6,214 |
| Average total loans | $22,500,670 | 7,181 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5088% | 4,866 |
| Cost of funding earning assets | 2.3593% | 2,468 |
| Net interest margin | 3.1495% | 6,020 |
| Noninterest income to average assets | 0.0441% | 7,862 |
| Noninterest expense to average assets | 1.8646% | 7,618 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8937% | 2,724 |
| Return on assets (ROA) | 0.8937% | 2,876 |
| Pretax return on assets | 1.2137% | 2,575 |
| Return on Equity (ROE) | 4.3891% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.3891% | 3,476 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5735% | 6,312 |
| Assets per employee ($millions) | 7.3340% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4239% | 7,922 |
| Loan loss allowance to noncurrent loans | 36.3636% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 0.7199% | 5,360 |
| Noncurrent loans to loans | 1.1656% | 4,655 |
| Net loans and leases to total assets | 61.5026% | 5,415 |
| Net loans and leases to deposits | 110.9673% | 567 |
| Net loans and leases to core deposits | 141.3007% | 1,050 |
| Total domestic deposits to total assets | 55.4241% | 8,050 |
| Equity capital to assets | 20.2809% | 402 |
| Core capital (leverage) ratio | 20.4762% | 375 |
| Tier 1 risk-based capital ratio | 50.1982% | 201 |
| Total risk-based capital ratio | 50.8543% | 209 |
| Memoranda: | ||
| Average total assets | $36,253,500 | 7,407 |
| Average earning assets | $34,926,000 | 7,305 |
| Average equity | $7,382,000 | 6,263 |
| Average total loans | $23,059,000 | 7,181 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5986% | 7,072 |
| Cost of funding earning assets | 2.8350% | 2,555 |
| Net interest margin | 2.7636% | 7,388 |
| Noninterest income to average assets | 0.0497% | 7,894 |
| Noninterest expense to average assets | 1.9369% | 7,558 |
| Loan and lease loss provision to assets | 0.0718% | 6,495 |
| Net operating income to assets | 0.5609% | 4,477 |
| Return on assets (ROA) | 0.5609% | 4,332 |
| Pretax return on assets | 0.7129% | 4,357 |
| Return on Equity (ROE) | 2.8053% | 5,305 |
| Retained earnings to average equity (ytd only) | 2.8053% | 3,434 |
| Net charge-offs to loans | 0.1146% | 5,115 |
| Credit loss provision to net charge-offs | 96.2963% | 5,501 |
| Earnings coverage of net charge-offs (x) | 10.5185% | 2,503 |
| Efficiency ratio | 71.1675% | 4,091 |
| Assets per employee ($millions) | 7.1674% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4091% | 7,966 |
| Loan loss allowance to noncurrent loans | 20.7792% | 7,201 |
| Noncurrent assets plus other real estate owned to assets | 1.2892% | 3,647 |
| Noncurrent loans to loans | 1.9686% | 2,802 |
| Net loans and leases to total assets | 65.2203% | 5,008 |
| Net loans and leases to deposits | 116.7366% | 494 |
| Net loans and leases to core deposits | 147.7527% | 947 |
| Total domestic deposits to total assets | 55.8696% | 8,059 |
| Equity capital to assets | 20.4453% | 441 |
| Core capital (leverage) ratio | 20.3519% | 416 |
| Tier 1 risk-based capital ratio | 49.2607% | 224 |
| Total risk-based capital ratio | 49.9118% | 228 |
| Memoranda: | ||
| Average total assets | $36,192,000 | 7,371 |
| Average earning assets | $34,991,000 | 7,286 |
| Average equity | $7,236,200 | 6,370 |
| Average total loans | $23,556,000 | 7,101 |