Home > Freedom Bank > Performance and Condition Ratios
Freedom Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1281% | 543 |
| Cost of funding earning assets | 1.9664% | 967 |
| Net interest margin | 4.1617% | 989 |
| Noninterest income to average assets | 3.9200% | 152 |
| Noninterest expense to average assets | 2.8654% | 1,350 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 3.6557% | 116 |
| Return on assets (ROA) | 2.8613% | 180 |
| Pretax return on assets | 3.7665% | 129 |
| Return on Equity (ROE) | 16.7100% | 987 |
| Retained earnings to average equity (ytd only) | 16.1186% | 259 |
| Net charge-offs to loans | 0.0231% | 1,858 |
| Credit loss provision to net charge-offs | 873.0769% | 456 |
| Earnings coverage of net charge-offs (x) | 321.3846% | 412 |
| Efficiency ratio | 36.3149% | 4,432 |
| Assets per employee ($millions) | 4.5817% | 3,901 |
| Cash dividends to net income (ytd only)* | 3.5289% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 3,776 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.6800% | 2,179 |
| Net loans and leases to deposits | 80.4825% | 2,063 |
| Net loans and leases to core deposits | 93.7062% | 1,791 |
| Total domestic deposits to total assets | 82.8500% | 2,927 |
| Equity capital to assets | 16.8439% | 394 |
| Core capital (leverage) ratio | 16.3584% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $170,344,600 | 3,192 |
| Average earning assets | $157,749,800 | 3,182 |
| Average equity | $29,171,200 | 2,306 |
| Average total loans | $112,651,400 | 3,024 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9197% | 587 |
| Cost of funding earning assets | 1.7833% | 1,036 |
| Net interest margin | 4.1364% | 1,009 |
| Noninterest income to average assets | 4.9900% | 125 |
| Noninterest expense to average assets | 2.7826% | 1,472 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 4.8878% | 82 |
| Return on assets (ROA) | 4.8493% | 83 |
| Pretax return on assets | 5.8488% | 83 |
| Return on Equity (ROE) | 28.1800% | 268 |
| Retained earnings to average equity (ytd only) | 28.1402% | 108 |
| Net charge-offs to loans | 0.0223% | 1,647 |
| Credit loss provision to net charge-offs | 961.1111% | 420 |
| Earnings coverage of net charge-offs (x) | 411.6667% | 357 |
| Efficiency ratio | 31.0456% | 4,508 |
| Assets per employee ($millions) | 4.8612% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.1344% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 3,618 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.4600% | 2,392 |
| Net loans and leases to deposits | 78.9730% | 2,148 |
| Net loans and leases to core deposits | 91.6513% | 1,821 |
| Total domestic deposits to total assets | 81.6200% | 3,288 |
| Equity capital to assets | 17.6283% | 367 |
| Core capital (leverage) ratio | 18.4383% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $163,677,000 | 3,252 |
| Average earning assets | $151,399,250 | 3,252 |
| Average equity | $28,167,750 | 2,341 |
| Average total loans | $107,681,500 | 3,094 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8234% | 545 |
| Cost of funding earning assets | 1.6073% | 1,046 |
| Net interest margin | 4.2161% | 912 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 3.2606% | 730 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.6903% | 3,361 |
| Return on assets (ROA) | 0.6307% | 3,514 |
| Pretax return on assets | 0.7724% | 3,457 |
| Return on Equity (ROE) | 3.7000% | 4,070 |
| Retained earnings to average equity (ytd only) | 3.6626% | 3,298 |
| Net charge-offs to loans | 0.0174% | 1,565 |
| Credit loss provision to net charge-offs | 1,200.0000% | 356 |
| Earnings coverage of net charge-offs (x) | 85.5556% | 1,016 |
| Efficiency ratio | 75.7220% | 1,197 |
| Assets per employee ($millions) | 4.4134% | 4,004 |
| Cash dividends to net income (ytd only)* | 1.0121% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 3,700 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 65.2600% | 2,238 |
| Net loans and leases to deposits | 77.7681% | 2,153 |
| Net loans and leases to core deposits | 88.9417% | 1,866 |
| Total domestic deposits to total assets | 83.9200% | 2,838 |
| Equity capital to assets | 15.8996% | 457 |
| Core capital (leverage) ratio | 17.1945% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $156,660,667 | 3,330 |
| Average earning assets | $144,589,667 | 3,317 |
| Average equity | $26,702,333 | 2,427 |
| Average total loans | $103,508,667 | 3,136 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6225% | 505 |
| Cost of funding earning assets | 1.3961% | 1,031 |
| Net interest margin | 4.2263% | 907 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 3.1406% | 878 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.8076% | 3,174 |
| Return on assets (ROA) | 0.6743% | 3,473 |
| Pretax return on assets | 0.7710% | 3,529 |
| Return on Equity (ROE) | 3.8100% | 4,068 |
| Retained earnings to average equity (ytd only) | 3.7676% | 3,333 |
| Net charge-offs to loans | 0.0203% | 1,271 |
| Credit loss provision to net charge-offs | 1,080.0000% | 343 |
| Earnings coverage of net charge-offs (x) | 79.6000% | 895 |
| Efficiency ratio | 73.4525% | 1,391 |
| Assets per employee ($millions) | 4.3466% | 4,104 |
| Cash dividends to net income (ytd only)* | 1.1952% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,543 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 68.8000% | 1,752 |
| Net loans and leases to deposits | 83.5178% | 1,530 |
| Net loans and leases to core deposits | 93.7093% | 1,407 |
| Total domestic deposits to total assets | 82.3700% | 3,428 |
| Equity capital to assets | 17.3956% | 329 |
| Core capital (leverage) ratio | 18.1980% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $148,888,500 | 3,437 |
| Average earning assets | $136,950,500 | 3,441 |
| Average equity | $26,329,500 | 2,470 |
| Average total loans | $98,570,500 | 3,223 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 379 |
| Cost of funding earning assets | 0.6334% | 774 |
| Net interest margin | 4.2347% | 494 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 3.1631% | 764 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.3948% | 4,248 |
| Return on assets (ROA) | 0.3948% | 4,214 |
| Pretax return on assets | 0.4717% | 4,207 |
| Return on Equity (ROE) | 2.3900% | 4,348 |
| Retained earnings to average equity (ytd only) | 1.4603% | 4,110 |
| Net charge-offs to loans | 0.0044% | 2,287 |
| Credit loss provision to net charge-offs | 9,133.3333% | 78 |
| Earnings coverage of net charge-offs (x) | 281.3333% | 514 |
| Efficiency ratio | 80.3258% | 691 |
| Assets per employee ($millions) | 4.1613% | 4,216 |
| Cash dividends to net income (ytd only)* | 38.9937% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 3,934 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 62.2500% | 2,406 |
| Net loans and leases to deposits | 76.3127% | 2,073 |
| Net loans and leases to core deposits | 82.6598% | 1,956 |
| Total domestic deposits to total assets | 81.5700% | 3,681 |
| Equity capital to assets | 17.9853% | 292 |
| Core capital (leverage) ratio | 18.7269% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $120,831,600 | 3,721 |
| Average earning assets | $107,823,600 | 3,752 |
| Average equity | $19,927,800 | 2,954 |
| Average total loans | $67,914,400 | 3,611 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 373 |
| Cost of funding earning assets | 0.4168% | 1,180 |
| Net interest margin | 4.2491% | 375 |
| Noninterest income to average assets | -0.0200% | 4,726 |
| Noninterest expense to average assets | 3.0521% | 847 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 0.3583% | 4,310 |
| Return on assets (ROA) | 0.3583% | 4,258 |
| Pretax return on assets | 0.4094% | 4,261 |
| Return on Equity (ROE) | 2.2400% | 4,384 |
| Retained earnings to average equity (ytd only) | 0.9077% | 4,227 |
| Net charge-offs to loans | 0.0064% | 1,918 |
| Credit loss provision to net charge-offs | 7,933.3333% | 71 |
| Earnings coverage of net charge-offs (x) | 196.6667% | 627 |
| Efficiency ratio | 79.9315% | 779 |
| Assets per employee ($millions) | 3.9289% | 4,348 |
| Cash dividends to net income (ytd only)* | 59.4156% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 3,826 |
| Loan loss allowance to noncurrent loans | 5,250.0000% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 3,879 |
| Noncurrent loans to loans | 0.0173% | 3,799 |
| Net loans and leases to total assets | 58.2200% | 2,672 |
| Net loans and leases to deposits | 71.9414% | 2,209 |
| Net loans and leases to core deposits | 79.7099% | 1,921 |
| Total domestic deposits to total assets | 80.9200% | 3,994 |
| Equity capital to assets | 18.8328% | 246 |
| Core capital (leverage) ratio | 20.4847% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $114,627,750 | 3,806 |
| Average earning assets | $101,415,250 | 3,845 |
| Average equity | $18,361,000 | 3,128 |
| Average total loans | $62,035,500 | 3,716 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4046% | 435 |
| Cost of funding earning assets | 0.3880% | 1,000 |
| Net interest margin | 4.0165% | 477 |
| Noninterest income to average assets | -0.2449% | 4,762 |
| Noninterest expense to average assets | 3.2000% | 630 |
| Loan and lease loss provision to assets | 0.1346% | 709 |
| Net operating income to assets | -0.0598% | 4,602 |
| Return on assets (ROA) | -0.0598% | 4,573 |
| Pretax return on assets | -0.0579% | 4,559 |
| Return on Equity (ROE) | -0.4038% | 4,566 |
| Retained earnings to average equity (ytd only) | -2.0569% | 4,389 |
| Net charge-offs to loans | 0.0036% | 1,916 |
| Credit loss provision to net charge-offs | 7,200.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,246 |
| Efficiency ratio | 95.5505% | 250 |
| Assets per employee ($millions) | 3.8133% | 4,447 |
| Cash dividends to net income (ytd only)* | -409.3750% | 4,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 3,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 50.9318% | 3,272 |
| Net loans and leases to deposits | 64.8067% | 2,658 |
| Net loans and leases to core deposits | 72.6532% | 2,272 |
| Total domestic deposits to total assets | 78.5903% | 4,321 |
| Equity capital to assets | 21.1934% | 145 |
| Core capital (leverage) ratio | 23.1256% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,000,333 | 3,928 |
| Average earning assets | $93,812,000 | 3,970 |
| Average equity | $15,849,000 | 3,418 |
| Average total loans | $55,784,000 | 3,868 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6156% | 248 |
| Cost of funding earning assets | 0.4303% | 722 |
| Net interest margin | 4.1852% | 292 |
| Noninterest income to average assets | 0.4382% | 2,451 |
| Noninterest expense to average assets | 3.3290% | 512 |
| Loan and lease loss provision to assets | 0.1447% | 555 |
| Net operating income to assets | 0.5187% | 3,659 |
| Return on assets (ROA) | 0.5187% | 3,627 |
| Pretax return on assets | 0.5227% | 3,830 |
| Return on Equity (ROE) | 4.7588% | 3,680 |
| Retained earnings to average equity (ytd only) | -0.0738% | 4,020 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4889% | 1,029 |
| Assets per employee ($millions) | 3.2540% | 4,614 |
| Cash dividends to net income (ytd only)* | 101.5504% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,679 |
| Loan loss allowance to noncurrent loans | 26,850.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,099 |
| Noncurrent loans to loans | 0.0038% | 4,017 |
| Net loans and leases to total assets | 50.5407% | 3,123 |
| Net loans and leases to deposits | 57.3273% | 3,145 |
| Net loans and leases to core deposits | 65.3597% | 2,685 |
| Total domestic deposits to total assets | 88.1617% | 2,451 |
| Equity capital to assets | 11.2112% | 1,233 |
| Core capital (leverage) ratio | 10.1129% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,488,500 | 4,009 |
| Average earning assets | $84,583,500 | 4,083 |
| Average equity | $10,843,000 | 3,966 |
| Average total loans | $52,316,000 | 3,937 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0265% | 254 |
| Cost of funding earning assets | 0.4642% | 1,101 |
| Net interest margin | 4.5622% | 240 |
| Noninterest income to average assets | 2.7470% | 204 |
| Noninterest expense to average assets | 3.7765% | 355 |
| Loan and lease loss provision to assets | 0.1739% | 660 |
| Net operating income to assets | 2.2520% | 224 |
| Return on assets (ROA) | 2.2590% | 230 |
| Pretax return on assets | 2.8327% | 171 |
| Return on Equity (ROE) | 19.6402% | 331 |
| Retained earnings to average equity (ytd only) | 16.2499% | 160 |
| Net charge-offs to loans | -0.0021% | 3,371 |
| Credit loss provision to net charge-offs | -14,000.0000% | 4,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4088% | 3,887 |
| Assets per employee ($millions) | 3.2707% | 4,637 |
| Cash dividends to net income (ytd only)* | 17.2622% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 3,861 |
| Loan loss allowance to noncurrent loans | 50,100.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,200 |
| Noncurrent loans to loans | 0.0019% | 4,114 |
| Net loans and leases to total assets | 53.7349% | 2,881 |
| Net loans and leases to deposits | 60.6714% | 3,017 |
| Net loans and leases to core deposits | 67.5865% | 2,684 |
| Total domestic deposits to total assets | 88.5671% | 1,757 |
| Equity capital to assets | 10.5557% | 2,121 |
| Core capital (leverage) ratio | 9.0685% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,523,600 | 4,214 |
| Average earning assets | $71,083,600 | 4,251 |
| Average equity | $9,261,600 | 4,220 |
| Average total loans | $47,783,600 | 4,043 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0897% | 261 |
| Cost of funding earning assets | 0.4646% | 1,258 |
| Net interest margin | 4.6251% | 252 |
| Noninterest income to average assets | 3.6615% | 160 |
| Noninterest expense to average assets | 3.7170% | 364 |
| Loan and lease loss provision to assets | 0.1911% | 551 |
| Net operating income to assets | 3.1060% | 113 |
| Return on assets (ROA) | 3.1157% | 114 |
| Pretax return on assets | 3.9059% | 91 |
| Return on Equity (ROE) | 26.4191% | 140 |
| Retained earnings to average equity (ytd only) | 22.5694% | 78 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4238% | 4,478 |
| Assets per employee ($millions) | 3.8720% | 4,515 |
| Cash dividends to net income (ytd only)* | 14.5717% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 4,121 |
| Loan loss allowance to noncurrent loans | 47,100.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,285 |
| Noncurrent loans to loans | 0.0019% | 4,212 |
| Net loans and leases to total assets | 57.4151% | 2,572 |
| Net loans and leases to deposits | 65.5433% | 2,673 |
| Net loans and leases to core deposits | 73.3198% | 2,294 |
| Total domestic deposits to total assets | 87.5987% | 2,062 |
| Equity capital to assets | 11.4311% | 1,721 |
| Core capital (leverage) ratio | 9.5415% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,942,250 | 4,316 |
| Average earning assets | $68,869,000 | 4,326 |
| Average equity | $9,074,000 | 4,297 |
| Average total loans | $46,862,500 | 4,117 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3871% | 196 |
| Cost of funding earning assets | 0.4484% | 1,531 |
| Net interest margin | 4.9387% | 178 |
| Noninterest income to average assets | 0.5514% | 2,398 |
| Noninterest expense to average assets | 3.8955% | 314 |
| Loan and lease loss provision to assets | 0.2195% | 484 |
| Net operating income to assets | 0.6840% | 3,797 |
| Return on assets (ROA) | 0.6995% | 3,831 |
| Pretax return on assets | 0.8669% | 3,732 |
| Return on Equity (ROE) | 5.8585% | 3,941 |
| Retained earnings to average equity (ytd only) | 1.4474% | 4,251 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4511% | 1,042 |
| Assets per employee ($millions) | 3.5481% | 4,655 |
| Cash dividends to net income (ytd only)* | 75.2941% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 4,130 |
| Loan loss allowance to noncurrent loans | 257.3099% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 2,896 |
| Noncurrent loans to loans | 0.3536% | 2,636 |
| Net loans and leases to total assets | 58.7119% | 2,578 |
| Net loans and leases to deposits | 66.2780% | 2,797 |
| Net loans and leases to core deposits | 73.0871% | 2,509 |
| Total domestic deposits to total assets | 88.5843% | 1,526 |
| Equity capital to assets | 10.6474% | 2,270 |
| Core capital (leverage) ratio | 8.4117% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,904,667 | 4,387 |
| Average earning assets | $65,118,000 | 4,405 |
| Average equity | $8,705,333 | 4,353 |
| Average total loans | $45,282,667 | 4,169 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4871% | 64 |
| Cost of funding earning assets | 0.4404% | 1,798 |
| Net interest margin | 6.0468% | 62 |
| Noninterest income to average assets | 0.5310% | 2,477 |
| Noninterest expense to average assets | 4.0319% | 277 |
| Loan and lease loss provision to assets | 0.2917% | 328 |
| Net operating income to assets | 1.2557% | 1,959 |
| Return on assets (ROA) | 1.2837% | 1,946 |
| Pretax return on assets | 1.6104% | 1,696 |
| Return on Equity (ROE) | 10.0993% | 2,656 |
| Retained earnings to average equity (ytd only) | 8.4926% | 2,100 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4688% | 2,162 |
| Assets per employee ($millions) | 3.2683% | 4,770 |
| Cash dividends to net income (ytd only)* | 15.9091% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 4,253 |
| Loan loss allowance to noncurrent loans | 235.6322% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 2,990 |
| Noncurrent loans to loans | 0.3682% | 2,768 |
| Net loans and leases to total assets | 62.3171% | 2,253 |
| Net loans and leases to deposits | 71.1282% | 2,406 |
| Net loans and leases to core deposits | 77.8479% | 2,199 |
| Total domestic deposits to total assets | 87.6124% | 2,042 |
| Equity capital to assets | 11.6759% | 1,457 |
| Core capital (leverage) ratio | 9.7941% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,553,500 | 4,456 |
| Average earning assets | $60,859,000 | 4,478 |
| Average equity | $8,713,500 | 4,366 |
| Average total loans | $43,747,500 | 4,217 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2881% | 271 |
| Cost of funding earning assets | 0.6707% | 1,873 |
| Net interest margin | 4.6174% | 258 |
| Noninterest income to average assets | 0.8974% | 1,273 |
| Noninterest expense to average assets | 3.7545% | 486 |
| Loan and lease loss provision to assets | 0.3610% | 933 |
| Net operating income to assets | 0.6381% | 3,633 |
| Return on assets (ROA) | 0.9477% | 2,640 |
| Pretax return on assets | 1.1838% | 2,388 |
| Return on Equity (ROE) | 6.7015% | 3,325 |
| Retained earnings to average equity (ytd only) | 6.7015% | 1,509 |
| Net charge-offs to loans | -0.0339% | 4,573 |
| Credit loss provision to net charge-offs | -1,890.9091% | 4,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8516% | 1,469 |
| Assets per employee ($millions) | 2.5806% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 4,196 |
| Loan loss allowance to noncurrent loans | 205.7143% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 2,887 |
| Noncurrent loans to loans | 0.4349% | 2,667 |
| Net loans and leases to total assets | 64.3901% | 2,314 |
| Net loans and leases to deposits | 75.4860% | 2,334 |
| Net loans and leases to core deposits | 84.5739% | 1,987 |
| Total domestic deposits to total assets | 85.3007% | 2,654 |
| Equity capital to assets | 13.9663% | 810 |
| Core capital (leverage) ratio | 10.4451% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,611,400 | 4,545 |
| Average earning assets | $50,093,600 | 4,582 |
| Average equity | $8,147,400 | 4,407 |
| Average total loans | $32,475,000 | 4,469 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3272% | 334 |
| Cost of funding earning assets | 0.7108% | 1,959 |
| Net interest margin | 4.6164% | 299 |
| Noninterest income to average assets | 0.6439% | 2,005 |
| Noninterest expense to average assets | 3.6864% | 546 |
| Loan and lease loss provision to assets | 0.3255% | 1,200 |
| Net operating income to assets | 0.5145% | 3,992 |
| Return on assets (ROA) | 0.8491% | 3,035 |
| Pretax return on assets | 1.0378% | 2,944 |
| Return on Equity (ROE) | 5.9836% | 3,557 |
| Retained earnings to average equity (ytd only) | 5.9836% | 2,111 |
| Net charge-offs to loans | -0.0480% | 4,660 |
| Credit loss provision to net charge-offs | -1,254.5455% | 3,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6260% | 1,145 |
| Assets per employee ($millions) | 3.1734% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7664% | 4,440 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 4,474 |
| Noncurrent loans to loans | 0.0142% | 4,386 |
| Net loans and leases to total assets | 55.0829% | 3,700 |
| Net loans and leases to deposits | 64.1280% | 3,788 |
| Net loans and leases to core deposits | 71.6437% | 3,506 |
| Total domestic deposits to total assets | 85.8953% | 2,112 |
| Equity capital to assets | 13.3469% | 1,052 |
| Core capital (leverage) ratio | 10.2716% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,530,500 | 4,576 |
| Average earning assets | $48,955,000 | 4,624 |
| Average equity | $8,021,750 | 4,443 |
| Average total loans | $30,533,750 | 4,530 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9230% | 159 |
| Cost of funding earning assets | 0.7607% | 2,050 |
| Net interest margin | 5.1623% | 148 |
| Noninterest income to average assets | 0.5607% | 2,296 |
| Noninterest expense to average assets | 4.0946% | 373 |
| Loan and lease loss provision to assets | 0.2472% | 1,705 |
| Net operating income to assets | 0.5448% | 3,898 |
| Return on assets (ROA) | 1.0587% | 2,245 |
| Pretax return on assets | 1.3095% | 1,997 |
| Return on Equity (ROE) | 7.2917% | 3,014 |
| Retained earnings to average equity (ytd only) | 7.2917% | 1,542 |
| Net charge-offs to loans | 0.0690% | 1,556 |
| Credit loss provision to net charge-offs | 670.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,563 |
| Efficiency ratio | 78.8971% | 971 |
| Assets per employee ($millions) | 3.1075% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 4,743 |
| Loan loss allowance to noncurrent loans | 314.2857% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 4,028 |
| Noncurrent loans to loans | 0.1906% | 3,695 |
| Net loans and leases to total assets | 52.8697% | 3,966 |
| Net loans and leases to deposits | 61.6496% | 4,025 |
| Net loans and leases to core deposits | 69.0367% | 3,781 |
| Total domestic deposits to total assets | 85.7584% | 2,109 |
| Equity capital to assets | 13.4950% | 985 |
| Core capital (leverage) ratio | 10.6012% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2388% | 2,089 |
| Memoranda: | ||
| Average total assets | $54,218,000 | 4,632 |
| Average earning assets | $46,801,000 | 4,674 |
| Average equity | $7,872,000 | 4,475 |
| Average total loans | $28,968,333 | 4,582 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5723% | 321 |
| Cost of funding earning assets | 0.8867% | 1,942 |
| Net interest margin | 4.6856% | 342 |
| Noninterest income to average assets | 0.6845% | 1,709 |
| Noninterest expense to average assets | 4.1391% | 431 |
| Loan and lease loss provision to assets | 0.2945% | 1,053 |
| Net operating income to assets | 0.1887% | 4,541 |
| Return on assets (ROA) | 0.5094% | 3,926 |
| Pretax return on assets | 0.6527% | 3,806 |
| Return on Equity (ROE) | 3.3620% | 4,128 |
| Retained earnings to average equity (ytd only) | 3.3620% | 2,936 |
| Net charge-offs to loans | 0.1486% | 865 |
| Credit loss provision to net charge-offs | 370.0000% | 1,052 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 1,965 |
| Efficiency ratio | 85.3741% | 745 |
| Assets per employee ($millions) | 2.4932% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5897% | 4,771 |
| Loan loss allowance to noncurrent loans | 221.0526% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 3,918 |
| Noncurrent loans to loans | 0.2668% | 3,537 |
| Net loans and leases to total assets | 54.0959% | 3,983 |
| Net loans and leases to deposits | 64.1968% | 3,972 |
| Net loans and leases to core deposits | 70.2124% | 3,869 |
| Total domestic deposits to total assets | 84.2657% | 2,688 |
| Equity capital to assets | 15.3657% | 699 |
| Core capital (leverage) ratio | 11.0729% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2367% | 1,545 |
| Memoranda: | ||
| Average total assets | $50,252,500 | 4,708 |
| Average earning assets | $42,854,500 | 4,763 |
| Average equity | $7,614,500 | 4,536 |
| Average total loans | $26,924,500 | 4,658 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 1,489 |
| Cost of funding earning assets | 0.5240% | 3,992 |
| Net interest margin | 4.4735% | 754 |
| Noninterest income to average assets | 0.5502% | 2,482 |
| Noninterest expense to average assets | 3.9310% | 577 |
| Loan and lease loss provision to assets | 0.2188% | 892 |
| Net operating income to assets | 0.1493% | 4,890 |
| Return on assets (ROA) | 0.4198% | 4,592 |
| Pretax return on assets | 0.5347% | 4,515 |
| Return on Equity (ROE) | 2.6502% | 4,717 |
| Retained earnings to average equity (ytd only) | 1.9388% | 4,026 |
| Net charge-offs to loans | -0.0241% | 4,667 |
| Credit loss provision to net charge-offs | -1,980.0000% | 4,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7684% | 495 |
| Assets per employee ($millions) | 2.4074% | 5,032 |
| Cash dividends to net income (ytd only)* | 26.8421% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5560% | 4,812 |
| Loan loss allowance to noncurrent loans | 171.9512% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 3,801 |
| Noncurrent loans to loans | 0.3234% | 3,281 |
| Net loans and leases to total assets | 52.3739% | 4,193 |
| Net loans and leases to deposits | 61.8928% | 4,195 |
| Net loans and leases to core deposits | 67.7421% | 4,093 |
| Total domestic deposits to total assets | 84.6203% | 2,635 |
| Equity capital to assets | 14.9207% | 814 |
| Core capital (leverage) ratio | 10.8111% | 2,669 |
| Tier 1 risk-based capital ratio | 15.4703% | 2,589 |
| Total risk-based capital ratio | 15.9232% | 2,831 |
| Memoranda: | ||
| Average total assets | $45,255,400 | 4,827 |
| Average earning assets | $38,358,800 | 4,861 |
| Average equity | $7,169,400 | 4,616 |
| Average total loans | $20,728,000 | 4,849 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 1,728 |
| Cost of funding earning assets | 0.4877% | 4,191 |
| Net interest margin | 4.4424% | 864 |
| Noninterest income to average assets | 0.5030% | 2,714 |
| Noninterest expense to average assets | 3.7964% | 661 |
| Loan and lease loss provision to assets | 0.2156% | 802 |
| Net operating income to assets | 0.1753% | 4,966 |
| Return on assets (ROA) | 0.5419% | 4,480 |
| Pretax return on assets | 0.7186% | 4,301 |
| Return on Equity (ROE) | 3.3678% | 4,703 |
| Retained earnings to average equity (ytd only) | 2.4189% | 4,133 |
| Net charge-offs to loans | -0.0341% | 4,734 |
| Credit loss provision to net charge-offs | -1,440.0000% | 4,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1228% | 544 |
| Assets per employee ($millions) | 2.7464% | 4,994 |
| Cash dividends to net income (ytd only)* | 28.1772% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5334% | 4,925 |
| Loan loss allowance to noncurrent loans | 158.3333% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 3,968 |
| Noncurrent loans to loans | 0.3369% | 3,330 |
| Net loans and leases to total assets | 45.5311% | 4,631 |
| Net loans and leases to deposits | 54.0558% | 4,624 |
| Net loans and leases to core deposits | 57.9996% | 4,608 |
| Total domestic deposits to total assets | 84.2297% | 2,739 |
| Equity capital to assets | 15.3612% | 760 |
| Core capital (leverage) ratio | 11.0029% | 2,637 |
| Tier 1 risk-based capital ratio | 17.0560% | 2,064 |
| Total risk-based capital ratio | 17.4619% | 2,289 |
| Memoranda: | ||
| Average total assets | $44,532,250 | 4,904 |
| Average earning assets | $37,726,500 | 4,940 |
| Average equity | $7,165,750 | 4,674 |
| Average total loans | $19,570,500 | 4,945 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 2,094 |
| Cost of funding earning assets | 0.4520% | 4,317 |
| Net interest margin | 4.3373% | 1,072 |
| Noninterest income to average assets | 0.5295% | 2,508 |
| Noninterest expense to average assets | 3.3186% | 1,247 |
| Loan and lease loss provision to assets | 0.2191% | 759 |
| Net operating income to assets | 0.5432% | 4,439 |
| Return on assets (ROA) | 1.1093% | 2,560 |
| Pretax return on assets | 1.3786% | 2,266 |
| Return on Equity (ROE) | 6.7842% | 3,753 |
| Retained earnings to average equity (ytd only) | 5.3604% | 2,592 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8373% | 1,535 |
| Assets per employee ($millions) | 2.9625% | 4,931 |
| Cash dividends to net income (ytd only)* | 20.9877% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4208% | 5,089 |
| Loan loss allowance to noncurrent loans | 113.3333% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 3,925 |
| Noncurrent loans to loans | 0.3713% | 3,192 |
| Net loans and leases to total assets | 45.2653% | 4,670 |
| Net loans and leases to deposits | 54.2827% | 4,672 |
| Net loans and leases to core deposits | 57.1709% | 4,671 |
| Total domestic deposits to total assets | 83.3881% | 3,076 |
| Equity capital to assets | 16.2744% | 570 |
| Core capital (leverage) ratio | 11.4978% | 2,170 |
| Tier 1 risk-based capital ratio | 17.8808% | 1,838 |
| Total risk-based capital ratio | 18.1953% | 2,044 |
| Memoranda: | ||
| Average total assets | $43,813,330 | 4,954 |
| Average earning assets | $37,166,000 | 4,988 |
| Average equity | $7,163,670 | 4,702 |
| Average total loans | $18,970,000 | 4,998 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5903% | 2,562 |
| Cost of funding earning assets | 0.4351% | 4,347 |
| Net interest margin | 4.1552% | 1,419 |
| Noninterest income to average assets | 0.5333% | 2,369 |
| Noninterest expense to average assets | 3.2459% | 1,395 |
| Loan and lease loss provision to assets | 0.2207% | 706 |
| Net operating income to assets | 0.4616% | 4,617 |
| Return on assets (ROA) | 1.4620% | 1,229 |
| Pretax return on assets | 1.8298% | 918 |
| Return on Equity (ROE) | 8.9207% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.9207% | 1,348 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1364% | 1,484 |
| Assets per employee ($millions) | 3.6528% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3194% | 5,232 |
| Loan loss allowance to noncurrent loans | 234.6154% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 4,525 |
| Noncurrent loans to loans | 0.1361% | 4,126 |
| Net loans and leases to total assets | 43.4285% | 4,766 |
| Net loans and leases to deposits | 52.1877% | 4,752 |
| Net loans and leases to core deposits | 52.7795% | 4,819 |
| Total domestic deposits to total assets | 83.2158% | 3,311 |
| Equity capital to assets | 16.3849% | 517 |
| Core capital (leverage) ratio | 11.7272% | 1,957 |
| Tier 1 risk-based capital ratio | 18.6142% | 1,630 |
| Total risk-based capital ratio | 18.8517% | 1,867 |
| Memoranda: | ||
| Average total assets | $43,501,000 | 5,010 |
| Average earning assets | $36,773,000 | 5,044 |
| Average equity | $7,129,500 | 4,735 |
| Average total loans | $18,355,000 | 5,070 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2443% | 5,117 |
| Cost of funding earning assets | 0.3176% | 4,484 |
| Net interest margin | 2.9268% | 4,877 |
| Noninterest income to average assets | 0.4371% | 3,191 |
| Noninterest expense to average assets | 2.7478% | 2,867 |
| Loan and lease loss provision to assets | 0.0874% | 2,398 |
| Net operating income to assets | 0.1715% | 5,130 |
| Return on assets (ROA) | 0.2245% | 5,079 |
| Pretax return on assets | 0.2812% | 5,061 |
| Return on Equity (ROE) | 1.6186% | 5,091 |
| Retained earnings to average equity (ytd only) | -0.7838% | 5,069 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8249% | 537 |
| Assets per employee ($millions) | 3.5974% | 4,451 |
| Cash dividends to net income (ytd only)* | 148.4211% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2101% | 5,320 |
| Loan loss allowance to noncurrent loans | 46.2500% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 3,881 |
| Noncurrent loans to loans | 0.4542% | 2,906 |
| Net loans and leases to total assets | 40.7144% | 4,920 |
| Net loans and leases to deposits | 48.9432% | 4,916 |
| Net loans and leases to core deposits | 49.5071% | 4,956 |
| Total domestic deposits to total assets | 83.1870% | 3,265 |
| Equity capital to assets | 16.4261% | 475 |
| Core capital (leverage) ratio | 11.1296% | 2,415 |
| Tier 1 risk-based capital ratio | 20.0035% | 1,304 |
| Total risk-based capital ratio | 20.1640% | 1,495 |
| Memoranda: | ||
| Average total assets | $42,325,000 | 5,069 |
| Average earning assets | $37,788,800 | 5,077 |
| Average equity | $5,869,200 | 4,919 |
| Average total loans | $15,293,600 | 5,187 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7072% | 5,376 |
| Cost of funding earning assets | 0.2794% | 4,636 |
| Net interest margin | 2.4277% | 5,310 |
| Noninterest income to average assets | 0.3292% | 3,949 |
| Noninterest expense to average assets | 2.8367% | 2,507 |
| Loan and lease loss provision to assets | 0.0633% | 2,708 |
| Net operating income to assets | -0.3704% | 5,377 |
| Return on assets (ROA) | -0.2818% | 5,360 |
| Pretax return on assets | -0.2818% | 5,353 |
| Return on Equity (ROE) | -2.1327% | 5,356 |
| Retained earnings to average equity (ytd only) | -2.1327% | 5,208 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5094% | 97 |
| Assets per employee ($millions) | 3.3801% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1265% | 5,411 |
| Loan loss allowance to noncurrent loans | 19.4175% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 3,783 |
| Noncurrent loans to loans | 0.6515% | 2,458 |
| Net loans and leases to total assets | 35.9345% | 5,146 |
| Net loans and leases to deposits | 42.8099% | 5,133 |
| Net loans and leases to core deposits | 43.2864% | 5,175 |
| Total domestic deposits to total assets | 83.9398% | 2,967 |
| Equity capital to assets | 15.8189% | 569 |
| Core capital (leverage) ratio | 11.2596% | 2,369 |
| Tier 1 risk-based capital ratio | 22.2054% | 1,027 |
| Total risk-based capital ratio | 22.3030% | 1,156 |
| Memoranda: | ||
| Average total assets | $42,114,000 | 5,136 |
| Average earning assets | $38,169,250 | 5,136 |
| Average equity | $5,563,750 | 5,016 |
| Average total loans | $14,713,750 | 5,264 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9853% | 5,506 |
| Cost of funding earning assets | 0.2106% | 4,974 |
| Net interest margin | 1.7747% | 5,493 |
| Noninterest income to average assets | 0.1879% | 4,886 |
| Noninterest expense to average assets | 1.8552% | 5,025 |
| Loan and lease loss provision to assets | 0.0241% | 3,437 |
| Net operating income to assets | -0.0556% | 5,364 |
| Return on assets (ROA) | 0.0434% | 5,314 |
| Pretax return on assets | 0.0578% | 5,309 |
| Return on Equity (ROE) | 0.3528% | 5,316 |
| Retained earnings to average equity (ytd only) | 0.3528% | 4,899 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6064% | 197 |
| Assets per employee ($millions) | 3.1892% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0410% | 5,488 |
| Loan loss allowance to noncurrent loans | 6.5217% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 3,893 |
| Noncurrent loans to loans | 0.6290% | 2,537 |
| Net loans and leases to total assets | 35.2638% | 5,202 |
| Net loans and leases to deposits | 42.3694% | 5,180 |
| Net loans and leases to core deposits | 42.8739% | 5,220 |
| Total domestic deposits to total assets | 83.2292% | 3,344 |
| Equity capital to assets | 16.5682% | 441 |
| Core capital (leverage) ratio | 10.9074% | 2,599 |
| Tier 1 risk-based capital ratio | 23.4985% | 887 |
| Total risk-based capital ratio | 23.5303% | 990 |
| Memoranda: | ||
| Average total assets | $41,505,000 | 5,194 |
| Average earning assets | $37,979,000 | 5,198 |
| Average equity | $5,101,330 | 5,153 |
| Average total loans | $14,348,330 | 5,332 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2659% | 5,176 |
| Cost of funding earning assets | 0.4121% | 3,503 |
| Net interest margin | 2.8538% | 5,094 |
| Noninterest income to average assets | 0.5683% | 2,429 |
| Noninterest expense to average assets | 3.1208% | 1,770 |
| Loan and lease loss provision to assets | 0.4816% | 218 |
| Net operating income to assets | -0.3660% | 5,481 |
| Return on assets (ROA) | -0.3660% | 5,477 |
| Pretax return on assets | -0.3660% | 5,479 |
| Return on Equity (ROE) | -3.6040% | 5,482 |
| Retained earnings to average equity (ytd only) | -3.6040% | 5,121 |
| Net charge-offs to loans | 0.2815% | 547 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 1.2000% | 2,582 |
| Efficiency ratio | 96.4286% | 245 |
| Assets per employee ($millions) | 4.1138% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 1,203 |
| Loan loss allowance to noncurrent loans | 190.4348% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 3,743 |
| Noncurrent loans to loans | 0.8306% | 2,160 |
| Net loans and leases to total assets | 33.1251% | 5,290 |
| Net loans and leases to deposits | 36.9897% | 5,338 |
| Net loans and leases to core deposits | 38.3158% | 5,348 |
| Total domestic deposits to total assets | 89.5522% | 859 |
| Equity capital to assets | 10.1779% | 3,418 |
| Core capital (leverage) ratio | 9.0401% | 4,634 |
| Tier 1 risk-based capital ratio | 20.8692% | 1,219 |
| Total risk-based capital ratio | 22.1183% | 1,198 |
| Memoranda: | ||
| Average total assets | $41,528,000 | 5,258 |
| Average earning assets | $38,825,500 | 5,240 |
| Average equity | $4,217,500 | 5,328 |
| Average total loans | $14,209,500 | 5,396 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6069% | 4,559 |
| Cost of funding earning assets | 0.4492% | 2,785 |
| Net interest margin | 3.1577% | 4,551 |
| Noninterest income to average assets | 0.5646% | 2,634 |
| Noninterest expense to average assets | 3.1784% | 1,658 |
| Loan and lease loss provision to assets | 0.0756% | 2,684 |
| Net operating income to assets | 0.2697% | 4,984 |
| Return on assets (ROA) | 0.2697% | 5,000 |
| Pretax return on assets | 0.2697% | 5,244 |
| Return on Equity (ROE) | 2.5218% | 4,940 |
| Retained earnings to average equity (ytd only) | 1.3434% | 4,469 |
| Net charge-offs to loans | 0.6471% | 343 |
| Credit loss provision to net charge-offs | 26.5487% | 3,568 |
| Earnings coverage of net charge-offs (x) | 1.2124% | 3,915 |
| Efficiency ratio | 90.2003% | 427 |
| Assets per employee ($millions) | 4.1918% | 3,671 |
| Cash dividends to net income (ytd only)* | 46.7290% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,611 |
| Loan loss allowance to noncurrent loans | 154.3103% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 3,782 |
| Noncurrent loans to loans | 0.7960% | 2,221 |
| Net loans and leases to total assets | 34.3385% | 5,333 |
| Net loans and leases to deposits | 38.3308% | 5,382 |
| Net loans and leases to core deposits | 40.1238% | 5,384 |
| Total domestic deposits to total assets | 89.5844% | 740 |
| Equity capital to assets | 10.1341% | 3,553 |
| Core capital (leverage) ratio | 9.2013% | 4,394 |
| Tier 1 risk-based capital ratio | 19.3763% | 1,435 |
| Total risk-based capital ratio | 20.3145% | 1,455 |
| Memoranda: | ||
| Average total assets | $39,674,000 | 5,334 |
| Average earning assets | $37,178,400 | 5,315 |
| Average equity | $4,243,000 | 5,386 |
| Average total loans | $17,463,800 | 5,373 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6923% | 4,336 |
| Cost of funding earning assets | 0.4538% | 2,683 |
| Net interest margin | 3.2385% | 4,365 |
| Noninterest income to average assets | 0.5727% | 2,616 |
| Noninterest expense to average assets | 3.3100% | 1,321 |
| Loan and lease loss provision to assets | 0.0852% | 2,388 |
| Net operating income to assets | 0.2182% | 5,334 |
| Return on assets (ROA) | 0.2182% | 5,346 |
| Pretax return on assets | 0.2182% | 5,370 |
| Return on Equity (ROE) | 2.0117% | 5,307 |
| Retained earnings to average equity (ytd only) | 2.0117% | 4,636 |
| Net charge-offs to loans | 0.7551% | 245 |
| Credit loss provision to net charge-offs | 24.2718% | 3,130 |
| Earnings coverage of net charge-offs (x) | 0.8641% | 3,620 |
| Efficiency ratio | 91.6038% | 352 |
| Assets per employee ($millions) | 3.9568% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 3,330 |
| Loan loss allowance to noncurrent loans | 102.2222% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 3,211 |
| Noncurrent loans to loans | 1.1026% | 1,743 |
| Net loans and leases to total assets | 40.7931% | 5,164 |
| Net loans and leases to deposits | 45.8603% | 5,259 |
| Net loans and leases to core deposits | 48.1505% | 5,253 |
| Total domestic deposits to total assets | 88.9507% | 910 |
| Equity capital to assets | 10.7915% | 3,073 |
| Core capital (leverage) ratio | 9.6657% | 3,969 |
| Tier 1 risk-based capital ratio | 18.8922% | 1,620 |
| Total risk-based capital ratio | 19.8307% | 1,657 |
| Memoranda: | ||
| Average total assets | $39,113,000 | 5,397 |
| Average earning assets | $36,724,000 | 5,380 |
| Average equity | $4,241,750 | 5,448 |
| Average total loans | $18,186,500 | 5,409 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7784% | 3,969 |
| Cost of funding earning assets | 0.4490% | 2,612 |
| Net interest margin | 3.3294% | 4,019 |
| Noninterest income to average assets | 0.5647% | 2,634 |
| Noninterest expense to average assets | 3.3058% | 1,363 |
| Loan and lease loss provision to assets | 0.1027% | 1,973 |
| Net operating income to assets | 0.2772% | 5,277 |
| Return on assets (ROA) | 0.2772% | 5,293 |
| Pretax return on assets | 0.2772% | 5,364 |
| Return on Equity (ROE) | 2.5518% | 5,231 |
| Retained earnings to average equity (ytd only) | 2.5518% | 4,163 |
| Net charge-offs to loans | 0.7550% | 257 |
| Credit loss provision to net charge-offs | 28.1690% | 2,738 |
| Earnings coverage of net charge-offs (x) | 1.0423% | 3,326 |
| Efficiency ratio | 89.6936% | 470 |
| Assets per employee ($millions) | 3.8597% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 3,247 |
| Loan loss allowance to noncurrent loans | 180.3419% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 3,913 |
| Noncurrent loans to loans | 0.6435% | 2,804 |
| Net loans and leases to total assets | 46.5580% | 4,914 |
| Net loans and leases to deposits | 52.5055% | 5,039 |
| Net loans and leases to core deposits | 55.8908% | 4,996 |
| Total domestic deposits to total assets | 88.6727% | 1,117 |
| Equity capital to assets | 11.0475% | 2,753 |
| Core capital (leverage) ratio | 9.7531% | 3,830 |
| Tier 1 risk-based capital ratio | 18.0477% | 1,841 |
| Total risk-based capital ratio | 19.0786% | 1,865 |
| Memoranda: | ||
| Average total assets | $38,961,330 | 5,443 |
| Average earning assets | $36,523,330 | 5,424 |
| Average equity | $4,232,330 | 5,488 |
| Average total loans | $18,807,000 | 5,443 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7720% | 3,860 |
| Cost of funding earning assets | 0.4483% | 2,538 |
| Net interest margin | 3.3238% | 3,934 |
| Noninterest income to average assets | 0.5416% | 2,700 |
| Noninterest expense to average assets | 3.1576% | 1,725 |
| Loan and lease loss provision to assets | 0.1533% | 1,201 |
| Net operating income to assets | 0.3372% | 5,110 |
| Return on assets (ROA) | 0.3372% | 5,131 |
| Pretax return on assets | 0.3372% | 5,255 |
| Return on Equity (ROE) | 3.1306% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.1306% | 3,849 |
| Net charge-offs to loans | 0.8996% | 187 |
| Credit loss provision to net charge-offs | 34.8837% | 2,087 |
| Earnings coverage of net charge-offs (x) | 1.1163% | 2,761 |
| Efficiency ratio | 86.5546% | 756 |
| Assets per employee ($millions) | 3.8940% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 3,035 |
| Loan loss allowance to noncurrent loans | 109.8592% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 3,043 |
| Noncurrent loans to loans | 1.1072% | 1,846 |
| Net loans and leases to total assets | 48.8007% | 4,765 |
| Net loans and leases to deposits | 54.9013% | 4,890 |
| Net loans and leases to core deposits | 58.3917% | 4,858 |
| Total domestic deposits to total assets | 88.8880% | 1,201 |
| Equity capital to assets | 10.8680% | 2,780 |
| Core capital (leverage) ratio | 9.5326% | 4,078 |
| Tier 1 risk-based capital ratio | 17.2005% | 2,119 |
| Total risk-based capital ratio | 18.2963% | 2,123 |
| Memoranda: | ||
| Average total assets | $39,143,500 | 5,509 |
| Average earning assets | $36,585,000 | 5,486 |
| Average equity | $4,216,500 | 5,546 |
| Average total loans | $19,120,000 | 5,494 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0194% | 3,127 |
| Cost of funding earning assets | 0.4133% | 2,879 |
| Net interest margin | 3.6061% | 3,052 |
| Noninterest income to average assets | 0.4325% | 3,661 |
| Noninterest expense to average assets | 3.0392% | 2,221 |
| Loan and lease loss provision to assets | 0.6150% | 210 |
| Net operating income to assets | 0.0697% | 5,592 |
| Return on assets (ROA) | 0.0697% | 5,619 |
| Pretax return on assets | 0.0697% | 5,619 |
| Return on Equity (ROE) | 0.6861% | 5,604 |
| Retained earnings to average equity (ytd only) | 0.3312% | 5,189 |
| Net charge-offs to loans | 1.0898% | 169 |
| Credit loss provision to net charge-offs | 109.8712% | 2,387 |
| Earnings coverage of net charge-offs (x) | 1.2232% | 4,019 |
| Efficiency ratio | 81.6129% | 1,249 |
| Assets per employee ($millions) | 3.9347% | 4,086 |
| Cash dividends to net income (ytd only)* | 51.7241% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 2,170 |
| Loan loss allowance to noncurrent loans | 158.7879% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 3,593 |
| Noncurrent loans to loans | 0.8683% | 2,364 |
| Net loans and leases to total assets | 47.6301% | 4,921 |
| Net loans and leases to deposits | 53.4953% | 5,038 |
| Net loans and leases to core deposits | 56.1629% | 5,043 |
| Total domestic deposits to total assets | 89.0360% | 1,102 |
| Equity capital to assets | 10.6768% | 2,951 |
| Core capital (leverage) ratio | 9.2229% | 4,448 |
| Tier 1 risk-based capital ratio | 17.0860% | 2,129 |
| Total risk-based capital ratio | 18.3158% | 2,087 |
| Memoranda: | ||
| Average total assets | $41,622,800 | 5,513 |
| Average earning assets | $37,991,000 | 5,509 |
| Average equity | $4,226,800 | 5,606 |
| Average total loans | $21,380,200 | 5,471 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 2,986 |
| Cost of funding earning assets | 0.4007% | 3,016 |
| Net interest margin | 3.6692% | 2,830 |
| Noninterest income to average assets | 0.3729% | 4,111 |
| Noninterest expense to average assets | 3.0179% | 2,270 |
| Loan and lease loss provision to assets | 0.4298% | 321 |
| Net operating income to assets | 0.2528% | 5,385 |
| Return on assets (ROA) | 0.2528% | 5,454 |
| Pretax return on assets | 0.2528% | 5,508 |
| Return on Equity (ROE) | 2.5196% | 5,347 |
| Retained earnings to average equity (ytd only) | 2.0471% | 4,667 |
| Net charge-offs to loans | 1.2074% | 131 |
| Credit loss provision to net charge-offs | 68.3417% | 2,818 |
| Earnings coverage of net charge-offs (x) | 1.0854% | 3,731 |
| Efficiency ratio | 81.5542% | 1,242 |
| Assets per employee ($millions) | 4.0212% | 3,927 |
| Cash dividends to net income (ytd only)* | 18.7512% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 4,886 |
| Loan loss allowance to noncurrent loans | 419.0476% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 5,015 |
| Noncurrent loans to loans | 0.2139% | 4,503 |
| Net loans and leases to total assets | 48.3910% | 4,934 |
| Net loans and leases to deposits | 54.3943% | 5,087 |
| Net loans and leases to core deposits | 57.0428% | 5,094 |
| Total domestic deposits to total assets | 88.9635% | 926 |
| Equity capital to assets | 10.7381% | 3,322 |
| Core capital (leverage) ratio | 9.2247% | 4,554 |
| Tier 1 risk-based capital ratio | 16.6149% | 2,375 |
| Total risk-based capital ratio | 17.4070% | 2,514 |
| Memoranda: | ||
| Average total assets | $42,191,750 | 5,561 |
| Average earning assets | $38,263,250 | 5,559 |
| Average equity | $4,233,250 | 5,663 |
| Average total loans | $21,974,500 | 5,501 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 2,600 |
| Cost of funding earning assets | 0.4010% | 3,036 |
| Net interest margin | 3.7703% | 2,442 |
| Noninterest income to average assets | 0.3594% | 4,197 |
| Noninterest expense to average assets | 3.0197% | 2,277 |
| Loan and lease loss provision to assets | 0.5647% | 209 |
| Net operating income to assets | 0.1540% | 5,607 |
| Return on assets (ROA) | 0.1540% | 5,654 |
| Pretax return on assets | 0.1540% | 5,666 |
| Return on Equity (ROE) | 1.5696% | 5,597 |
| Retained earnings to average equity (ytd only) | 0.8561% | 5,043 |
| Net charge-offs to loans | 1.0020% | 184 |
| Credit loss provision to net charge-offs | 106.1404% | 2,018 |
| Earnings coverage of net charge-offs (x) | 1.3509% | 3,420 |
| Efficiency ratio | 80.7740% | 1,405 |
| Assets per employee ($millions) | 3.9798% | 3,952 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,965 |
| Loan loss allowance to noncurrent loans | 251.0204% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 4,506 |
| Noncurrent loans to loans | 0.4366% | 3,804 |
| Net loans and leases to total assets | 55.7767% | 4,337 |
| Net loans and leases to deposits | 62.6567% | 4,599 |
| Net loans and leases to core deposits | 65.7368% | 4,628 |
| Total domestic deposits to total assets | 89.0195% | 911 |
| Equity capital to assets | 10.7317% | 3,363 |
| Core capital (leverage) ratio | 8.8378% | 5,012 |
| Tier 1 risk-based capital ratio | 15.1492% | 3,007 |
| Total risk-based capital ratio | 16.1719% | 3,054 |
| Memoranda: | ||
| Average total assets | $42,851,670 | 5,611 |
| Average earning assets | $38,405,000 | 5,619 |
| Average equity | $4,205,000 | 5,729 |
| Average total loans | $22,754,330 | 5,543 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 2,719 |
| Cost of funding earning assets | 0.3906% | 3,182 |
| Net interest margin | 3.7415% | 2,518 |
| Noninterest income to average assets | 0.1082% | 5,796 |
| Noninterest expense to average assets | 2.9113% | 2,671 |
| Loan and lease loss provision to assets | 1.0005% | 92 |
| Net operating income to assets | -0.5228% | 5,970 |
| Return on assets (ROA) | -0.5228% | 5,978 |
| Pretax return on assets | -0.5228% | 5,968 |
| Return on Equity (ROE) | -5.5609% | 5,977 |
| Retained earnings to average equity (ytd only) | -6.9990% | 5,719 |
| Net charge-offs to loans | 1.2222% | 148 |
| Credit loss provision to net charge-offs | 158.5714% | 1,234 |
| Earnings coverage of net charge-offs (x) | 0.7571% | 2,895 |
| Efficiency ratio | 85.9043% | 983 |
| Assets per employee ($millions) | 4.4365% | 3,193 |
| Cash dividends to net income (ytd only)* | -25.8621% | 6,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 3,230 |
| Loan loss allowance to noncurrent loans | 189.1892% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 4,226 |
| Noncurrent loans to loans | 0.6581% | 3,197 |
| Net loans and leases to total assets | 50.0620% | 4,799 |
| Net loans and leases to deposits | 55.3493% | 5,023 |
| Net loans and leases to core deposits | 57.7333% | 5,065 |
| Total domestic deposits to total assets | 90.4474% | 445 |
| Equity capital to assets | 9.3768% | 4,800 |
| Core capital (leverage) ratio | 8.1881% | 5,658 |
| Tier 1 risk-based capital ratio | 14.3440% | 3,471 |
| Total risk-based capital ratio | 15.4744% | 3,478 |
| Memoranda: | ||
| Average total assets | $44,378,500 | 5,630 |
| Average earning assets | $38,914,500 | 5,660 |
| Average equity | $4,172,000 | 5,777 |
| Average total loans | $22,909,500 | 5,592 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3485% | 2,065 |
| Cost of funding earning assets | 0.2769% | 4,515 |
| Net interest margin | 4.0716% | 1,482 |
| Noninterest income to average assets | 0.6402% | 2,516 |
| Noninterest expense to average assets | 2.9374% | 2,735 |
| Loan and lease loss provision to assets | 0.3655% | 392 |
| Net operating income to assets | 1.1165% | 1,849 |
| Return on assets (ROA) | 1.1165% | 1,914 |
| Pretax return on assets | 1.1165% | 2,976 |
| Return on Equity (ROE) | 11.8011% | 1,356 |
| Retained earnings to average equity (ytd only) | 1.3815% | 4,940 |
| Net charge-offs to loans | 0.5105% | 506 |
| Credit loss provision to net charge-offs | 125.9542% | 2,064 |
| Earnings coverage of net charge-offs (x) | 5.1069% | 3,436 |
| Efficiency ratio | 66.4662% | 3,834 |
| Assets per employee ($millions) | 4.4392% | 3,139 |
| Cash dividends to net income (ytd only)* | 88.2937% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 4,442 |
| Loan loss allowance to noncurrent loans | 108.1081% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 3,637 |
| Noncurrent loans to loans | 0.9516% | 2,433 |
| Net loans and leases to total assets | 52.0116% | 4,691 |
| Net loans and leases to deposits | 57.5542% | 4,942 |
| Net loans and leases to core deposits | 59.8083% | 4,993 |
| Total domestic deposits to total assets | 90.3699% | 478 |
| Equity capital to assets | 9.4251% | 4,645 |
| Core capital (leverage) ratio | 8.4077% | 5,519 |
| Tier 1 risk-based capital ratio | 14.8538% | 3,239 |
| Total risk-based capital ratio | 15.8367% | 3,310 |
| Memoranda: | ||
| Average total assets | $45,142,000 | 5,655 |
| Average earning assets | $41,899,600 | 5,636 |
| Average equity | $4,270,800 | 5,806 |
| Average total loans | $25,658,800 | 5,527 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 1,796 |
| Cost of funding earning assets | 0.2805% | 4,555 |
| Net interest margin | 4.1560% | 1,264 |
| Noninterest income to average assets | 0.6530% | 2,465 |
| Noninterest expense to average assets | 2.9590% | 2,641 |
| Loan and lease loss provision to assets | 0.2647% | 622 |
| Net operating income to assets | 1.2648% | 1,437 |
| Return on assets (ROA) | 1.2648% | 1,496 |
| Pretax return on assets | 1.2648% | 2,533 |
| Return on Equity (ROE) | 13.3563% | 1,044 |
| Retained earnings to average equity (ytd only) | 5.1250% | 2,825 |
| Net charge-offs to loans | 0.3963% | 648 |
| Credit loss provision to net charge-offs | 115.3846% | 2,050 |
| Earnings coverage of net charge-offs (x) | 6.6665% | 3,017 |
| Efficiency ratio | 65.9240% | 3,900 |
| Assets per employee ($millions) | 4.3808% | 3,194 |
| Cash dividends to net income (ytd only)* | 61.6270% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 5,411 |
| Loan loss allowance to noncurrent loans | 361.6667% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.7076% | 3,137 |
| Noncurrent loans to loans | 0.2319% | 4,737 |
| Net loans and leases to total assets | 58.5555% | 4,073 |
| Net loans and leases to deposits | 65.2507% | 4,450 |
| Net loans and leases to core deposits | 67.8570% | 4,554 |
| Total domestic deposits to total assets | 89.7393% | 679 |
| Equity capital to assets | 9.9662% | 4,191 |
| Core capital (leverage) ratio | 8.4648% | 5,579 |
| Tier 1 risk-based capital ratio | 13.6524% | 4,049 |
| Total risk-based capital ratio | 14.4481% | 4,247 |
| Memoranda: | ||
| Average total assets | $45,329,500 | 5,723 |
| Average earning assets | $41,834,250 | 5,705 |
| Average equity | $4,292,500 | 5,881 |
| Average total loans | $26,241,250 | 5,576 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4400% | 1,712 |
| Cost of funding earning assets | 0.2787% | 4,627 |
| Net interest margin | 4.1613% | 1,200 |
| Noninterest income to average assets | 0.6283% | 2,589 |
| Noninterest expense to average assets | 2.9627% | 2,669 |
| Loan and lease loss provision to assets | 0.1963% | 1,010 |
| Net operating income to assets | 1.3134% | 1,276 |
| Return on assets (ROA) | 1.3134% | 1,335 |
| Pretax return on assets | 1.3134% | 2,316 |
| Return on Equity (ROE) | 14.1050% | 882 |
| Retained earnings to average equity (ytd only) | 6.3730% | 2,019 |
| Net charge-offs to loans | 0.2958% | 884 |
| Credit loss provision to net charge-offs | 115.3846% | 1,863 |
| Earnings coverage of net charge-offs (x) | 8.8718% | 2,520 |
| Efficiency ratio | 66.2439% | 3,966 |
| Assets per employee ($millions) | 4.5023% | 2,987 |
| Cash dividends to net income (ytd only)* | 54.8173% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8242% | 5,540 |
| Loan loss allowance to noncurrent loans | 314.9254% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7041% | 3,288 |
| Noncurrent loans to loans | 0.2617% | 4,736 |
| Net loans and leases to total assets | 56.3912% | 4,299 |
| Net loans and leases to deposits | 62.5915% | 4,656 |
| Net loans and leases to core deposits | 65.0117% | 4,730 |
| Total domestic deposits to total assets | 90.0940% | 616 |
| Equity capital to assets | 9.6506% | 4,468 |
| Core capital (leverage) ratio | 8.2233% | 5,769 |
| Tier 1 risk-based capital ratio | 13.6609% | 4,122 |
| Total risk-based capital ratio | 14.4397% | 4,328 |
| Memoranda: | ||
| Average total assets | $45,836,670 | 5,772 |
| Average earning assets | $42,342,670 | 5,759 |
| Average equity | $4,268,000 | 5,946 |
| Average total loans | $26,365,330 | 5,620 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 1,895 |
| Cost of funding earning assets | 0.2715% | 4,768 |
| Net interest margin | 4.0911% | 1,301 |
| Noninterest income to average assets | 0.5709% | 2,827 |
| Noninterest expense to average assets | 3.0015% | 2,578 |
| Loan and lease loss provision to assets | 0.0865% | 2,250 |
| Net operating income to assets | 1.2629% | 1,372 |
| Return on assets (ROA) | 1.2629% | 1,459 |
| Pretax return on assets | 1.2629% | 2,411 |
| Return on Equity (ROE) | 13.8078% | 911 |
| Retained earnings to average equity (ytd only) | 6.2419% | 2,359 |
| Net charge-offs to loans | 0.2692% | 888 |
| Credit loss provision to net charge-offs | 55.5556% | 2,047 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,070 |
| Efficiency ratio | 68.9861% | 3,665 |
| Assets per employee ($millions) | 4.5442% | 2,980 |
| Cash dividends to net income (ytd only)* | 54.7945% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7584% | 5,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 3,843 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 56.7317% | 4,120 |
| Net loans and leases to deposits | 62.8535% | 4,494 |
| Net loans and leases to core deposits | 65.2510% | 4,593 |
| Total domestic deposits to total assets | 90.2601% | 626 |
| Equity capital to assets | 9.4208% | 4,838 |
| Core capital (leverage) ratio | 7.8927% | 5,992 |
| Tier 1 risk-based capital ratio | 13.1788% | 4,515 |
| Total risk-based capital ratio | 13.8934% | 4,735 |
| Memoranda: | ||
| Average total assets | $46,243,500 | 5,811 |
| Average earning assets | $42,727,000 | 5,792 |
| Average equity | $4,229,500 | 6,007 |
| Average total loans | $26,748,000 | 5,650 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 1,181 |
| Cost of funding earning assets | 0.2889% | 4,912 |
| Net interest margin | 4.4765% | 779 |
| Noninterest income to average assets | 0.7853% | 1,930 |
| Noninterest expense to average assets | 2.9120% | 3,111 |
| Loan and lease loss provision to assets | 0.0772% | 2,932 |
| Net operating income to assets | 1.9325% | 371 |
| Return on assets (ROA) | 1.9325% | 383 |
| Pretax return on assets | 1.9325% | 590 |
| Return on Equity (ROE) | 21.2828% | 195 |
| Retained earnings to average equity (ytd only) | 3.5471% | 3,706 |
| Net charge-offs to loans | 0.0810% | 3,334 |
| Credit loss provision to net charge-offs | 159.0909% | 1,519 |
| Earnings coverage of net charge-offs (x) | 41.4091% | 1,055 |
| Efficiency ratio | 59.1663% | 5,326 |
| Assets per employee ($millions) | 4.7045% | 2,724 |
| Cash dividends to net income (ytd only)* | 83.3333% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7449% | 5,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5314% | 4,027 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 58.0593% | 4,039 |
| Net loans and leases to deposits | 63.8371% | 4,541 |
| Net loans and leases to core deposits | 66.1628% | 4,660 |
| Total domestic deposits to total assets | 90.9491% | 386 |
| Equity capital to assets | 8.8809% | 5,398 |
| Core capital (leverage) ratio | 7.6067% | 6,172 |
| Tier 1 risk-based capital ratio | 12.0179% | 5,353 |
| Total risk-based capital ratio | 12.7084% | 5,604 |
| Memoranda: | ||
| Average total assets | $45,330,400 | 5,897 |
| Average earning assets | $41,885,800 | 5,874 |
| Average equity | $4,116,000 | 6,068 |
| Average total loans | $27,146,000 | 5,690 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7075% | 1,290 |
| Cost of funding earning assets | 0.2860% | 5,032 |
| Net interest margin | 4.4215% | 860 |
| Noninterest income to average assets | 0.8581% | 1,669 |
| Noninterest expense to average assets | 2.9753% | 2,884 |
| Loan and lease loss provision to assets | 0.0742% | 2,856 |
| Net operating income to assets | 1.8945% | 426 |
| Return on assets (ROA) | 1.8945% | 440 |
| Pretax return on assets | 1.8945% | 727 |
| Return on Equity (ROE) | 20.7450% | 241 |
| Retained earnings to average equity (ytd only) | 5.4625% | 2,789 |
| Net charge-offs to loans | 0.0444% | 3,610 |
| Credit loss provision to net charge-offs | 277.7778% | 963 |
| Earnings coverage of net charge-offs (x) | 73.6650% | 749 |
| Efficiency ratio | 60.1802% | 5,153 |
| Assets per employee ($millions) | 4.6429% | 2,745 |
| Cash dividends to net income (ytd only)* | 73.6672% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7612% | 5,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 4,260 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 58.4096% | 4,017 |
| Net loans and leases to deposits | 64.3469% | 4,497 |
| Net loans and leases to core deposits | 66.7265% | 4,641 |
| Total domestic deposits to total assets | 90.7730% | 428 |
| Equity capital to assets | 8.9858% | 5,367 |
| Core capital (leverage) ratio | 8.0474% | 6,032 |
| Tier 1 risk-based capital ratio | 12.4822% | 5,181 |
| Total risk-based capital ratio | 13.2056% | 5,431 |
| Memoranda: | ||
| Average total assets | $44,901,750 | 5,979 |
| Average earning assets | $41,493,250 | 5,957 |
| Average equity | $4,100,500 | 6,139 |
| Average total loans | $27,052,750 | 5,751 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 1,441 |
| Cost of funding earning assets | 0.2969% | 4,999 |
| Net interest margin | 4.3369% | 960 |
| Noninterest income to average assets | 0.9146% | 1,447 |
| Noninterest expense to average assets | 2.9870% | 2,879 |
| Loan and lease loss provision to assets | 0.0225% | 3,828 |
| Net operating income to assets | 1.9192% | 396 |
| Return on assets (ROA) | 1.9192% | 412 |
| Pretax return on assets | 1.9192% | 657 |
| Return on Equity (ROE) | 20.8994% | 246 |
| Retained earnings to average equity (ytd only) | 6.6721% | 1,941 |
| Net charge-offs to loans | 0.0519% | 3,227 |
| Credit loss provision to net charge-offs | 71.4286% | 2,447 |
| Earnings coverage of net charge-offs (x) | 61.5714% | 791 |
| Efficiency ratio | 60.6033% | 5,211 |
| Assets per employee ($millions) | 4.4577% | 2,992 |
| Cash dividends to net income (ytd only)* | 68.0751% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6731% | 6,215 |
| Loan loss allowance to noncurrent loans | 76.0000% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 4,305 |
| Noncurrent loans to loans | 0.8857% | 3,490 |
| Net loans and leases to total assets | 62.8934% | 3,260 |
| Net loans and leases to deposits | 69.5527% | 3,878 |
| Net loans and leases to core deposits | 72.2466% | 4,028 |
| Total domestic deposits to total assets | 90.4256% | 612 |
| Equity capital to assets | 9.3456% | 4,925 |
| Core capital (leverage) ratio | 8.2108% | 5,921 |
| Tier 1 risk-based capital ratio | 12.3602% | 5,330 |
| Total risk-based capital ratio | 13.0202% | 5,593 |
| Memoranda: | ||
| Average total assets | $44,392,670 | 6,047 |
| Average earning assets | $41,089,000 | 6,020 |
| Average equity | $4,076,670 | 6,189 |
| Average total loans | $26,961,330 | 5,794 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 1,369 |
| Cost of funding earning assets | 0.2951% | 5,116 |
| Net interest margin | 4.3575% | 882 |
| Noninterest income to average assets | 0.8036% | 1,734 |
| Noninterest expense to average assets | 2.9797% | 2,940 |
| Loan and lease loss provision to assets | 0.0451% | 3,200 |
| Net operating income to assets | 1.7788% | 499 |
| Return on assets (ROA) | 1.7788% | 515 |
| Pretax return on assets | 1.7788% | 828 |
| Return on Equity (ROE) | 19.5437% | 327 |
| Retained earnings to average equity (ytd only) | 8.6310% | 1,369 |
| Net charge-offs to loans | 0.0152% | 3,290 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 202.0000% | 241 |
| Efficiency ratio | 62.0301% | 5,112 |
| Assets per employee ($millions) | 3.9452% | 4,058 |
| Cash dividends to net income (ytd only)* | 55.8376% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7628% | 6,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 58.7598% | 3,732 |
| Net loans and leases to deposits | 64.9566% | 4,211 |
| Net loans and leases to core deposits | 67.5336% | 4,354 |
| Total domestic deposits to total assets | 90.4602% | 824 |
| Equity capital to assets | 9.3347% | 4,718 |
| Core capital (leverage) ratio | 8.1116% | 6,031 |
| Tier 1 risk-based capital ratio | 13.4609% | 4,718 |
| Total risk-based capital ratio | 14.2128% | 4,961 |
| Memoranda: | ||
| Average total assets | $44,300,500 | 6,110 |
| Average earning assets | $40,665,500 | 6,089 |
| Average equity | $4,032,000 | 6,244 |
| Average total loans | $26,329,000 | 5,878 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 2,179 |
| Cost of funding earning assets | 0.3451% | 5,197 |
| Net interest margin | 4.1622% | 1,467 |
| Noninterest income to average assets | 0.9973% | 1,399 |
| Noninterest expense to average assets | 2.7074% | 4,067 |
| Loan and lease loss provision to assets | 0.1247% | 2,757 |
| Net operating income to assets | 1.9240% | 382 |
| Return on assets (ROA) | 1.9240% | 386 |
| Pretax return on assets | 1.9240% | 575 |
| Return on Equity (ROE) | 22.8959% | 182 |
| Retained earnings to average equity (ytd only) | 6.7006% | 1,578 |
| Net charge-offs to loans | 0.0607% | 4,363 |
| Credit loss provision to net charge-offs | 375.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 61.6250% | 672 |
| Efficiency ratio | 56.9244% | 5,864 |
| Assets per employee ($millions) | 4.1095% | 3,627 |
| Cash dividends to net income (ytd only)* | 70.7343% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7121% | 6,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 59.2204% | 3,842 |
| Net loans and leases to deposits | 65.0958% | 4,402 |
| Net loans and leases to core deposits | 67.5498% | 4,556 |
| Total domestic deposits to total assets | 90.9743% | 581 |
| Equity capital to assets | 8.8775% | 5,173 |
| Core capital (leverage) ratio | 7.6430% | 6,326 |
| Tier 1 risk-based capital ratio | 12.3111% | 5,423 |
| Total risk-based capital ratio | 13.0020% | 5,703 |
| Memoranda: | ||
| Average total assets | $48,127,800 | 6,067 |
| Average earning assets | $43,462,600 | 6,066 |
| Average equity | $4,044,400 | 6,315 |
| Average total loans | $26,373,000 | 5,918 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3578% | 2,743 |
| Cost of funding earning assets | 0.3551% | 5,249 |
| Net interest margin | 4.0027% | 1,937 |
| Noninterest income to average assets | 1.0152% | 1,412 |
| Noninterest expense to average assets | 2.5870% | 4,438 |
| Loan and lease loss provision to assets | 0.1228% | 2,756 |
| Net operating income to assets | 1.9348% | 410 |
| Return on assets (ROA) | 1.9348% | 425 |
| Pretax return on assets | 1.9348% | 669 |
| Return on Equity (ROE) | 23.3280% | 164 |
| Retained earnings to average equity (ytd only) | 9.6734% | 869 |
| Net charge-offs to loans | 0.0712% | 3,915 |
| Credit loss provision to net charge-offs | 321.4286% | 796 |
| Earnings coverage of net charge-offs (x) | 53.8463% | 819 |
| Efficiency ratio | 55.6992% | 5,941 |
| Assets per employee ($millions) | 4.2482% | 3,333 |
| Cash dividends to net income (ytd only)* | 58.5332% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6425% | 6,511 |
| Loan loss allowance to noncurrent loans | 852.3810% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 6,335 |
| Noncurrent loans to loans | 0.0754% | 6,110 |
| Net loans and leases to total assets | 59.2403% | 3,817 |
| Net loans and leases to deposits | 64.8785% | 4,423 |
| Net loans and leases to core deposits | 67.2309% | 4,597 |
| Total domestic deposits to total assets | 91.3097% | 417 |
| Equity capital to assets | 8.4378% | 5,807 |
| Core capital (leverage) ratio | 7.4033% | 6,481 |
| Tier 1 risk-based capital ratio | 12.1619% | 5,676 |
| Total risk-based capital ratio | 12.7940% | 6,005 |
| Memoranda: | ||
| Average total assets | $48,858,750 | 6,111 |
| Average earning assets | $44,302,500 | 6,116 |
| Average equity | $4,052,250 | 6,387 |
| Average total loans | $26,225,750 | 5,984 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3634% | 2,703 |
| Cost of funding earning assets | 0.3703% | 5,224 |
| Net interest margin | 3.9931% | 1,885 |
| Noninterest income to average assets | 1.0127% | 1,498 |
| Noninterest expense to average assets | 2.5823% | 4,444 |
| Loan and lease loss provision to assets | 0.1210% | 2,808 |
| Net operating income to assets | 1.9206% | 408 |
| Return on assets (ROA) | 1.9206% | 442 |
| Pretax return on assets | 1.9206% | 718 |
| Return on Equity (ROE) | 23.2839% | 165 |
| Retained earnings to average equity (ytd only) | 14.9682% | 237 |
| Net charge-offs to loans | -0.0701% | 6,383 |
| Credit loss provision to net charge-offs | -333.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8464% | 5,980 |
| Assets per employee ($millions) | 4.3748% | 3,045 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6896% | 6,506 |
| Loan loss allowance to noncurrent loans | 18,700.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 6,584 |
| Noncurrent loans to loans | 0.0037% | 6,441 |
| Net loans and leases to total assets | 55.9587% | 4,298 |
| Net loans and leases to deposits | 61.5393% | 4,796 |
| Net loans and leases to core deposits | 63.3236% | 4,968 |
| Total domestic deposits to total assets | 90.9316% | 570 |
| Equity capital to assets | 8.8357% | 5,406 |
| Core capital (leverage) ratio | 7.3293% | 6,519 |
| Tier 1 risk-based capital ratio | 12.3955% | 5,577 |
| Total risk-based capital ratio | 13.0662% | 5,854 |
| Memoranda: | ||
| Average total assets | $49,568,330 | 6,134 |
| Average earning assets | $44,827,670 | 6,144 |
| Average equity | $4,088,670 | 6,429 |
| Average total loans | $25,680,330 | 6,033 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 3,844 |
| Cost of funding earning assets | 0.3739% | 5,330 |
| Net interest margin | 3.6957% | 2,872 |
| Noninterest income to average assets | 0.8351% | 1,981 |
| Noninterest expense to average assets | 2.4656% | 4,883 |
| Loan and lease loss provision to assets | 0.1193% | 2,740 |
| Net operating income to assets | 1.6305% | 666 |
| Return on assets (ROA) | 1.6305% | 729 |
| Pretax return on assets | 1.6305% | 1,235 |
| Return on Equity (ROE) | 20.4642% | 265 |
| Retained earnings to average equity (ytd only) | 14.4747% | 401 |
| Net charge-offs to loans | -0.0160% | 5,621 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4906% | 5,785 |
| Assets per employee ($millions) | 4.4773% | 3,013 |
| Cash dividends to net income (ytd only)* | 29.2683% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 6,665 |
| Loan loss allowance to noncurrent loans | 5,433.3333% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 6,611 |
| Noncurrent loans to loans | 0.0117% | 6,467 |
| Net loans and leases to total assets | 51.8477% | 4,726 |
| Net loans and leases to deposits | 56.6149% | 5,182 |
| Net loans and leases to core deposits | 57.6801% | 5,369 |
| Total domestic deposits to total assets | 91.5797% | 332 |
| Equity capital to assets | 8.2274% | 6,235 |
| Core capital (leverage) ratio | 6.6920% | 6,718 |
| Tier 1 risk-based capital ratio | 12.7520% | 5,403 |
| Total risk-based capital ratio | 13.3829% | 5,782 |
| Memoranda: | ||
| Average total assets | $50,291,000 | 6,177 |
| Average earning assets | $46,000,000 | 6,160 |
| Average equity | $4,007,000 | 6,515 |
| Average total loans | $24,962,500 | 6,123 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7256% | 2,491 |
| Cost of funding earning assets | 0.5622% | 4,710 |
| Net interest margin | 4.1634% | 1,766 |
| Noninterest income to average assets | 0.7163% | 2,632 |
| Noninterest expense to average assets | 2.5203% | 5,028 |
| Loan and lease loss provision to assets | 0.0102% | 5,792 |
| Net operating income to assets | 1.6917% | 627 |
| Return on assets (ROA) | 1.6917% | 705 |
| Pretax return on assets | 1.6917% | 1,154 |
| Return on Equity (ROE) | 22.1326% | 213 |
| Retained earnings to average equity (ytd only) | 13.1888% | 243 |
| Net charge-offs to loans | 0.0427% | 5,315 |
| Credit loss provision to net charge-offs | 45.4545% | 4,797 |
| Earnings coverage of net charge-offs (x) | 75.8182% | 500 |
| Efficiency ratio | 59.6907% | 5,589 |
| Assets per employee ($millions) | 4.6665% | 2,686 |
| Cash dividends to net income (ytd only)* | 40.4101% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6109% | 6,744 |
| Loan loss allowance to noncurrent loans | 2,960.0000% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 6,663 |
| Noncurrent loans to loans | 0.0206% | 6,484 |
| Net loans and leases to total assets | 46.9084% | 5,518 |
| Net loans and leases to deposits | 50.9242% | 5,893 |
| Net loans and leases to core deposits | 52.4414% | 5,986 |
| Total domestic deposits to total assets | 92.1141% | 226 |
| Equity capital to assets | 7.7184% | 6,543 |
| Core capital (leverage) ratio | 6.2046% | 6,830 |
| Tier 1 risk-based capital ratio | 13.2175% | 4,952 |
| Total risk-based capital ratio | 13.8385% | 5,355 |
| Memoranda: | ||
| Average total assets | $49,003,000 | 6,239 |
| Average earning assets | $41,264,600 | 6,322 |
| Average equity | $3,745,600 | 6,625 |
| Average total loans | $25,738,400 | 6,153 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9436% | 1,850 |
| Cost of funding earning assets | 0.6022% | 4,624 |
| Net interest margin | 4.3413% | 1,370 |
| Noninterest income to average assets | 0.6856% | 2,780 |
| Noninterest expense to average assets | 2.5443% | 4,943 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7540% | 626 |
| Return on assets (ROA) | 1.7540% | 695 |
| Pretax return on assets | 1.7540% | 1,155 |
| Return on Equity (ROE) | 23.0072% | 192 |
| Retained earnings to average equity (ytd only) | 16.5060% | 174 |
| Net charge-offs to loans | 0.0153% | 5,474 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 212.3275% | 214 |
| Efficiency ratio | 59.1928% | 5,630 |
| Assets per employee ($millions) | 4.9605% | 2,241 |
| Cash dividends to net income (ytd only)* | 28.2571% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6072% | 6,856 |
| Loan loss allowance to noncurrent loans | 539.2857% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 6,610 |
| Noncurrent loans to loans | 0.1126% | 6,332 |
| Net loans and leases to total assets | 49.8276% | 5,330 |
| Net loans and leases to deposits | 54.2956% | 5,787 |
| Net loans and leases to core deposits | 55.9778% | 5,888 |
| Total domestic deposits to total assets | 91.7710% | 237 |
| Equity capital to assets | 7.9811% | 6,603 |
| Core capital (leverage) ratio | 6.5871% | 6,868 |
| Tier 1 risk-based capital ratio | 13.1151% | 5,156 |
| Total risk-based capital ratio | 13.7513% | 5,602 |
| Memoranda: | ||
| Average total assets | $48,420,750 | 6,328 |
| Average earning assets | $40,293,750 | 6,419 |
| Average equity | $3,691,500 | 6,723 |
| Average total loans | $26,116,250 | 6,211 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1022% | 1,496 |
| Cost of funding earning assets | 0.6198% | 4,721 |
| Net interest margin | 4.4824% | 1,025 |
| Noninterest income to average assets | 0.6247% | 3,102 |
| Noninterest expense to average assets | 2.6194% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7699% | 592 |
| Return on assets (ROA) | 1.7699% | 665 |
| Pretax return on assets | 1.7699% | 1,096 |
| Return on Equity (ROE) | 23.5958% | 192 |
| Retained earnings to average equity (ytd only) | 19.1543% | 120 |
| Net charge-offs to loans | 0.0151% | 5,213 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 212.5000% | 210 |
| Efficiency ratio | 59.6774% | 5,628 |
| Assets per employee ($millions) | 4.3755% | 3,126 |
| Cash dividends to net income (ytd only)* | 18.8235% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 6,947 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 6,791 |
| Noncurrent loans to loans | 0.0307% | 6,612 |
| Net loans and leases to total assets | 53.8500% | 4,828 |
| Net loans and leases to deposits | 58.6208% | 5,386 |
| Net loans and leases to core deposits | 60.4854% | 5,547 |
| Total domestic deposits to total assets | 91.8616% | 246 |
| Equity capital to assets | 7.9057% | 6,631 |
| Core capital (leverage) ratio | 6.4105% | 6,945 |
| Tier 1 risk-based capital ratio | 12.1253% | 5,850 |
| Total risk-based capital ratio | 12.7394% | 6,199 |
| Memoranda: | ||
| Average total assets | $48,026,000 | 6,382 |
| Average earning assets | $40,335,330 | 6,466 |
| Average equity | $3,602,330 | 6,781 |
| Average total loans | $26,532,330 | 6,232 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1154% | 1,533 |
| Cost of funding earning assets | 0.6469% | 4,755 |
| Net interest margin | 4.4685% | 1,072 |
| Noninterest income to average assets | 0.6504% | 2,928 |
| Noninterest expense to average assets | 2.5514% | 4,984 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8427% | 550 |
| Return on assets (ROA) | 1.8427% | 622 |
| Pretax return on assets | 1.8427% | 991 |
| Return on Equity (ROE) | 25.2499% | 178 |
| Retained earnings to average equity (ytd only) | 19.5373% | 202 |
| Net charge-offs to loans | 0.0149% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 161 |
| Efficiency ratio | 58.0645% | 5,904 |
| Assets per employee ($millions) | 4.4655% | 3,060 |
| Cash dividends to net income (ytd only)* | 22.6244% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5854% | 6,998 |
| Loan loss allowance to noncurrent loans | 1,390.9091% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 6,852 |
| Noncurrent loans to loans | 0.0421% | 6,648 |
| Net loans and leases to total assets | 52.8959% | 4,897 |
| Net loans and leases to deposits | 57.1809% | 5,468 |
| Net loans and leases to core deposits | 58.3337% | 5,686 |
| Total domestic deposits to total assets | 92.5063% | 188 |
| Equity capital to assets | 7.2881% | 6,851 |
| Core capital (leverage) ratio | 6.0423% | 7,036 |
| Tier 1 risk-based capital ratio | 11.4029% | 6,336 |
| Total risk-based capital ratio | 12.0200% | 6,624 |
| Memoranda: | ||
| Average total assets | $47,974,000 | 6,433 |
| Average earning assets | $40,192,500 | 6,514 |
| Average equity | $3,501,000 | 6,851 |
| Average total loans | $26,763,500 | 6,265 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7563% | 696 |
| Cost of funding earning assets | 0.7834% | 4,981 |
| Net interest margin | 4.9728% | 431 |
| Noninterest income to average assets | 0.6933% | 2,637 |
| Noninterest expense to average assets | 2.8312% | 4,232 |
| Loan and lease loss provision to assets | 0.0232% | 6,289 |
| Net operating income to assets | 2.0335% | 290 |
| Return on assets (ROA) | 2.0335% | 309 |
| Pretax return on assets | 2.0335% | 498 |
| Return on Equity (ROE) | 25.6343% | 92 |
| Retained earnings to average equity (ytd only) | 1.9584% | 4,816 |
| Net charge-offs to loans | 0.0370% | 5,945 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 88.7000% | 334 |
| Efficiency ratio | 57.9222% | 6,066 |
| Assets per employee ($millions) | 4.2570% | 3,349 |
| Cash dividends to net income (ytd only)* | 92.3603% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5622% | 7,050 |
| Loan loss allowance to noncurrent loans | 452.9412% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 6,771 |
| Noncurrent loans to loans | 0.1241% | 6,495 |
| Net loans and leases to total assets | 58.1652% | 4,347 |
| Net loans and leases to deposits | 62.8798% | 5,134 |
| Net loans and leases to core deposits | 64.2049% | 5,442 |
| Total domestic deposits to total assets | 92.5022% | 181 |
| Equity capital to assets | 7.3077% | 6,877 |
| Core capital (leverage) ratio | 5.8125% | 7,074 |
| Tier 1 risk-based capital ratio | 10.1115% | 6,824 |
| Total risk-based capital ratio | 10.6978% | 6,964 |
| Memoranda: | ||
| Average total assets | $43,126,800 | 6,561 |
| Average earning assets | $36,377,600 | 6,661 |
| Average equity | $3,421,200 | 6,903 |
| Average total loans | $26,992,000 | 6,297 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9265% | 534 |
| Cost of funding earning assets | 0.8212% | 4,999 |
| Net interest margin | 5.1053% | 334 |
| Noninterest income to average assets | 0.6729% | 2,753 |
| Noninterest expense to average assets | 2.9034% | 3,918 |
| Loan and lease loss provision to assets | 0.0316% | 6,049 |
| Net operating income to assets | 1.9999% | 340 |
| Return on assets (ROA) | 1.9999% | 369 |
| Pretax return on assets | 1.9999% | 624 |
| Return on Equity (ROE) | 24.6706% | 139 |
| Retained earnings to average equity (ytd only) | 7.1321% | 1,898 |
| Net charge-offs to loans | 0.0546% | 5,424 |
| Credit loss provision to net charge-offs | 90.9091% | 3,741 |
| Earnings coverage of net charge-offs (x) | 58.4397% | 567 |
| Efficiency ratio | 58.8348% | 5,891 |
| Assets per employee ($millions) | 4.5088% | 2,897 |
| Cash dividends to net income (ytd only)* | 71.0905% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5761% | 7,111 |
| Loan loss allowance to noncurrent loans | 1,275.0000% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 6,992 |
| Noncurrent loans to loans | 0.0452% | 6,825 |
| Net loans and leases to total assets | 58.5633% | 4,404 |
| Net loans and leases to deposits | 63.7833% | 5,200 |
| Net loans and leases to core deposits | 65.1911% | 5,503 |
| Total domestic deposits to total assets | 91.8160% | 237 |
| Equity capital to assets | 7.8890% | 6,760 |
| Core capital (leverage) ratio | 6.6192% | 7,049 |
| Tier 1 risk-based capital ratio | 10.7825% | 6,673 |
| Total risk-based capital ratio | 11.3779% | 6,910 |
| Memoranda: | ||
| Average total assets | $42,201,750 | 6,653 |
| Average earning assets | $35,230,500 | 6,764 |
| Average equity | $3,421,000 | 6,959 |
| Average total loans | $26,892,250 | 6,361 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0825% | 406 |
| Cost of funding earning assets | 0.8422% | 5,118 |
| Net interest margin | 5.2403% | 265 |
| Noninterest income to average assets | 0.6984% | 2,559 |
| Noninterest expense to average assets | 2.9632% | 3,782 |
| Loan and lease loss provision to assets | 0.0485% | 5,708 |
| Net operating income to assets | 2.0320% | 329 |
| Return on assets (ROA) | 2.0320% | 343 |
| Pretax return on assets | 2.0320% | 558 |
| Return on Equity (ROE) | 24.8247% | 143 |
| Retained earnings to average equity (ytd only) | 10.0128% | 838 |
| Net charge-offs to loans | 0.0518% | 5,132 |
| Credit loss provision to net charge-offs | 142.8571% | 2,134 |
| Earnings coverage of net charge-offs (x) | 61.2857% | 533 |
| Efficiency ratio | 58.7500% | 6,067 |
| Assets per employee ($millions) | 4.1590% | 3,429 |
| Cash dividends to net income (ytd only)* | 59.6659% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 7,149 |
| Loan loss allowance to noncurrent loans | 603.8462% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 6,942 |
| Noncurrent loans to loans | 0.0978% | 6,728 |
| Net loans and leases to total assets | 63.5585% | 3,564 |
| Net loans and leases to deposits | 69.5613% | 4,491 |
| Net loans and leases to core deposits | 71.2238% | 4,927 |
| Total domestic deposits to total assets | 91.3705% | 375 |
| Equity capital to assets | 8.3361% | 6,377 |
| Core capital (leverage) ratio | 7.5803% | 6,690 |
| Tier 1 risk-based capital ratio | 10.6134% | 6,748 |
| Total risk-based capital ratio | 11.2176% | 6,990 |
| Memoranda: | ||
| Average total assets | $41,239,670 | 6,743 |
| Average earning assets | $34,196,670 | 6,865 |
| Average equity | $3,375,670 | 7,021 |
| Average total loans | $27,003,670 | 6,413 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3552% | 256 |
| Cost of funding earning assets | 0.8514% | 5,262 |
| Net interest margin | 5.5038% | 162 |
| Noninterest income to average assets | 0.5942% | 3,215 |
| Noninterest expense to average assets | 2.9709% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0943% | 303 |
| Return on assets (ROA) | 2.0943% | 315 |
| Pretax return on assets | 2.0943% | 478 |
| Return on Equity (ROE) | 25.8258% | 146 |
| Retained earnings to average equity (ytd only) | 13.8138% | 493 |
| Net charge-offs to loans | -0.0294% | 6,706 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6538% | 6,180 |
| Assets per employee ($millions) | 4.1344% | 3,572 |
| Cash dividends to net income (ytd only)* | 46.5116% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5723% | 7,234 |
| Loan loss allowance to noncurrent loans | 390.0000% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 6,924 |
| Noncurrent loans to loans | 0.1467% | 6,684 |
| Net loans and leases to total assets | 65.5549% | 3,121 |
| Net loans and leases to deposits | 71.6253% | 4,120 |
| Net loans and leases to core deposits | 73.3445% | 4,612 |
| Total domestic deposits to total assets | 91.5248% | 412 |
| Equity capital to assets | 8.1922% | 6,285 |
| Core capital (leverage) ratio | 7.3505% | 6,824 |
| Tier 1 risk-based capital ratio | 10.3842% | 6,873 |
| Total risk-based capital ratio | 10.9835% | 7,092 |
| Memoranda: | ||
| Average total assets | $41,064,500 | 6,797 |
| Average earning assets | $33,358,500 | 6,943 |
| Average equity | $3,330,000 | 7,069 |
| Average total loans | $27,210,000 | 6,458 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8726% | 173 |
| Cost of funding earning assets | 0.9157% | 6,101 |
| Net interest margin | 5.9569% | 100 |
| Noninterest income to average assets | 0.8867% | 1,900 |
| Noninterest expense to average assets | 3.3779% | 2,498 |
| Loan and lease loss provision to assets | 0.1801% | 5,417 |
| Net operating income to assets | 2.4302% | 125 |
| Return on assets (ROA) | 2.4302% | 133 |
| Pretax return on assets | 2.4302% | 205 |
| Return on Equity (ROE) | 25.9283% | 85 |
| Retained earnings to average equity (ytd only) | 0.2661% | 5,447 |
| Net charge-offs to loans | 0.1842% | 5,200 |
| Credit loss provision to net charge-offs | 132.6531% | 2,959 |
| Earnings coverage of net charge-offs (x) | 19.2245% | 1,070 |
| Efficiency ratio | 56.4091% | 6,542 |
| Assets per employee ($millions) | 4.0785% | 3,622 |
| Cash dividends to net income (ytd only)* | 98.9738% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5670% | 7,303 |
| Loan loss allowance to noncurrent loans | 962.5000% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 7,139 |
| Noncurrent loans to loans | 0.0589% | 6,974 |
| Net loans and leases to total assets | 66.2180% | 3,424 |
| Net loans and leases to deposits | 72.1784% | 4,489 |
| Net loans and leases to core deposits | 73.9169% | 4,988 |
| Total domestic deposits to total assets | 91.7421% | 338 |
| Equity capital to assets | 8.0250% | 6,475 |
| Core capital (leverage) ratio | 6.9090% | 7,066 |
| Tier 1 risk-based capital ratio | 9.7375% | 7,070 |
| Total risk-based capital ratio | 10.3167% | 7,238 |
| Memoranda: | ||
| Average total assets | $36,087,000 | 7,005 |
| Average earning assets | $30,905,400 | 7,055 |
| Average equity | $3,382,400 | 7,166 |
| Average total loans | $26,599,000 | 6,579 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8985% | 171 |
| Cost of funding earning assets | 0.9262% | 6,283 |
| Net interest margin | 5.9723% | 96 |
| Noninterest income to average assets | 0.8593% | 1,957 |
| Noninterest expense to average assets | 3.5058% | 2,020 |
| Loan and lease loss provision to assets | 0.1146% | 5,885 |
| Net operating income to assets | 2.4594% | 144 |
| Return on assets (ROA) | 2.4594% | 151 |
| Pretax return on assets | 2.4594% | 246 |
| Return on Equity (ROE) | 25.1822% | 120 |
| Retained earnings to average equity (ytd only) | 8.1334% | 1,379 |
| Net charge-offs to loans | 0.1058% | 5,484 |
| Credit loss provision to net charge-offs | 142.8571% | 2,754 |
| Earnings coverage of net charge-offs (x) | 32.0943% | 838 |
| Efficiency ratio | 57.6633% | 6,314 |
| Assets per employee ($millions) | 3.8931% | 4,047 |
| Cash dividends to net income (ytd only)* | 67.7016% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5202% | 7,434 |
| Loan loss allowance to noncurrent loans | 445.4545% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 7,136 |
| Noncurrent loans to loans | 0.1168% | 6,951 |
| Net loans and leases to total assets | 72.2021% | 2,208 |
| Net loans and leases to deposits | 79.6131% | 3,520 |
| Net loans and leases to core deposits | 81.6481% | 4,291 |
| Total domestic deposits to total assets | 90.6912% | 553 |
| Equity capital to assets | 8.9723% | 5,616 |
| Core capital (leverage) ratio | 7.7610% | 6,613 |
| Tier 1 risk-based capital ratio | 10.1360% | 6,990 |
| Total risk-based capital ratio | 10.6704% | 7,277 |
| Memoranda: | ||
| Average total assets | $34,912,500 | 7,134 |
| Average earning assets | $30,517,750 | 7,156 |
| Average equity | $3,409,750 | 7,249 |
| Average total loans | $26,458,500 | 6,682 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0981% | 135 |
| Cost of funding earning assets | 0.9824% | 6,230 |
| Net interest margin | 6.1157% | 87 |
| Noninterest income to average assets | 0.9055% | 1,671 |
| Noninterest expense to average assets | 3.6696% | 1,625 |
| Loan and lease loss provision to assets | 0.0596% | 6,358 |
| Net operating income to assets | 2.4424% | 148 |
| Return on assets (ROA) | 2.4424% | 154 |
| Pretax return on assets | 2.4424% | 254 |
| Return on Equity (ROE) | 24.2460% | 143 |
| Retained earnings to average equity (ytd only) | 9.4619% | 972 |
| Net charge-offs to loans | -0.0541% | 7,461 |
| Credit loss provision to net charge-offs | -142.8571% | 6,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4595% | 6,150 |
| Assets per employee ($millions) | 3.3924% | 5,210 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5676% | 7,448 |
| Loan loss allowance to noncurrent loans | 292.4528% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 6,993 |
| Noncurrent loans to loans | 0.1941% | 6,866 |
| Net loans and leases to total assets | 80.0348% | 795 |
| Net loans and leases to deposits | 89.4390% | 1,940 |
| Net loans and leases to core deposits | 92.0904% | 2,969 |
| Total domestic deposits to total assets | 89.4853% | 1,187 |
| Equity capital to assets | 10.1904% | 3,782 |
| Core capital (leverage) ratio | 8.1910% | 5,954 |
| Tier 1 risk-based capital ratio | 10.5741% | 6,627 |
| Total risk-based capital ratio | 11.1725% | 7,042 |
| Memoranda: | ||
| Average total assets | $33,573,000 | 7,231 |
| Average earning assets | $28,909,000 | 7,265 |
| Average equity | $3,382,000 | 7,299 |
| Average total loans | $25,859,330 | 6,751 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1510% | 133 |
| Cost of funding earning assets | 1.0216% | 6,271 |
| Net interest margin | 6.1294% | 95 |
| Noninterest income to average assets | 0.7545% | 2,272 |
| Noninterest expense to average assets | 3.7608% | 1,391 |
| Loan and lease loss provision to assets | 0.1198% | 5,390 |
| Net operating income to assets | 2.0481% | 324 |
| Return on assets (ROA) | 2.0481% | 353 |
| Pretax return on assets | 2.0481% | 557 |
| Return on Equity (ROE) | 20.4515% | 356 |
| Retained earnings to average equity (ytd only) | 8.4916% | 1,539 |
| Net charge-offs to loans | -0.0955% | 7,512 |
| Credit loss provision to net charge-offs | -166.6667% | 6,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4343% | 5,598 |
| Assets per employee ($millions) | 2.9861% | 6,241 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6096% | 7,482 |
| Loan loss allowance to noncurrent loans | 342.2222% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 7,141 |
| Noncurrent loans to loans | 0.1781% | 6,980 |
| Net loans and leases to total assets | 76.4392% | 1,448 |
| Net loans and leases to deposits | 85.4973% | 2,681 |
| Net loans and leases to core deposits | 88.1199% | 3,610 |
| Total domestic deposits to total assets | 89.4054% | 1,293 |
| Equity capital to assets | 10.3054% | 3,468 |
| Core capital (leverage) ratio | 8.0528% | 6,158 |
| Tier 1 risk-based capital ratio | 11.0164% | 6,139 |
| Total risk-based capital ratio | 11.6566% | 6,708 |
| Memoranda: | ||
| Average total assets | $33,397,500 | 7,330 |
| Average earning assets | $28,192,000 | 7,387 |
| Average equity | $3,344,500 | 7,395 |
| Average total loans | $25,136,000 | 6,873 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9262% | 309 |
| Cost of funding earning assets | 1.0535% | 7,091 |
| Net interest margin | 5.8727% | 126 |
| Noninterest income to average assets | 0.6279% | 3,439 |
| Noninterest expense to average assets | 3.2343% | 3,259 |
| Loan and lease loss provision to assets | 0.1759% | 5,937 |
| Net operating income to assets | 2.2870% | 123 |
| Return on assets (ROA) | 2.3114% | 129 |
| Pretax return on assets | 2.3114% | 220 |
| Return on Equity (ROE) | 24.9985% | 90 |
| Retained earnings to average equity (ytd only) | 0.4976% | 4,628 |
| Net charge-offs to loans | 0.1462% | 5,779 |
| Credit loss provision to net charge-offs | 185.7143% | 2,190 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 862 |
| Efficiency ratio | 56.7696% | 6,920 |
| Assets per employee ($millions) | 3.3948% | 5,272 |
| Cash dividends to net income (ytd only)* | 98.0094% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5518% | 7,614 |
| Loan loss allowance to noncurrent loans | 212.3077% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 6,991 |
| Noncurrent loans to loans | 0.2599% | 6,776 |
| Net loans and leases to total assets | 73.2650% | 2,435 |
| Net loans and leases to deposits | 81.4888% | 3,697 |
| Net loans and leases to core deposits | 98.7258% | 4,149 |
| Total domestic deposits to total assets | 89.9081% | 1,008 |
| Equity capital to assets | 9.7325% | 4,099 |
| Core capital (leverage) ratio | 7.6084% | 6,675 |
| Tier 1 risk-based capital ratio | 10.6775% | 6,230 |
| Total risk-based capital ratio | 11.2486% | 6,842 |
| Memoranda: | ||
| Average total assets | $36,948,000 | 7,211 |
| Average earning assets | $31,893,400 | 7,270 |
| Average equity | $3,416,200 | 7,469 |
| Average total loans | $23,936,400 | 6,979 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6840% | 525 |
| Cost of funding earning assets | 1.0323% | 7,321 |
| Net interest margin | 5.6516% | 152 |
| Noninterest income to average assets | 0.5800% | 3,854 |
| Noninterest expense to average assets | 3.1619% | 3,428 |
| Loan and lease loss provision to assets | 0.1945% | 5,437 |
| Net operating income to assets | 2.1610% | 199 |
| Return on assets (ROA) | 2.1610% | 218 |
| Pretax return on assets | 2.1610% | 387 |
| Return on Equity (ROE) | 23.6525% | 146 |
| Retained earnings to average equity (ytd only) | 6.7356% | 1,615 |
| Net charge-offs to loans | 0.1746% | 4,995 |
| Credit loss provision to net charge-offs | 177.4194% | 2,603 |
| Earnings coverage of net charge-offs (x) | 21.4851% | 1,197 |
| Efficiency ratio | 57.3077% | 6,824 |
| Assets per employee ($millions) | 3.5684% | 4,769 |
| Cash dividends to net income (ytd only)* | 71.5215% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5348% | 7,670 |
| Loan loss allowance to noncurrent loans | 132.0000% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 6,801 |
| Noncurrent loans to loans | 0.4052% | 6,528 |
| Net loans and leases to total assets | 68.7983% | 3,772 |
| Net loans and leases to deposits | 76.7211% | 4,936 |
| Net loans and leases to core deposits | 92.4845% | 5,184 |
| Total domestic deposits to total assets | 89.6732% | 897 |
| Equity capital to assets | 9.8223% | 4,321 |
| Core capital (leverage) ratio | 7.4736% | 7,009 |
| Tier 1 risk-based capital ratio | 11.3062% | 5,629 |
| Total risk-based capital ratio | 11.8515% | 6,320 |
| Memoranda: | ||
| Average total assets | $37,698,000 | 7,244 |
| Average earning assets | $32,933,750 | 7,292 |
| Average equity | $3,444,250 | 7,526 |
| Average total loans | $23,668,000 | 7,054 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6120% | 648 |
| Cost of funding earning assets | 1.0135% | 7,527 |
| Net interest margin | 5.5985% | 163 |
| Noninterest income to average assets | 0.5525% | 4,017 |
| Noninterest expense to average assets | 3.1327% | 3,570 |
| Loan and lease loss provision to assets | 0.1564% | 5,504 |
| Net operating income to assets | 2.1006% | 234 |
| Return on assets (ROA) | 2.1006% | 257 |
| Pretax return on assets | 2.1006% | 430 |
| Return on Equity (ROE) | 23.5397% | 174 |
| Retained earnings to average equity (ytd only) | 6.7757% | 1,673 |
| Net charge-offs to loans | 0.1029% | 5,132 |
| Credit loss provision to net charge-offs | 250.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 36.0833% | 880 |
| Efficiency ratio | 58.1238% | 6,849 |
| Assets per employee ($millions) | 3.7432% | 4,222 |
| Cash dividends to net income (ytd only)* | 71.2159% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5166% | 7,770 |
| Loan loss allowance to noncurrent loans | 170.2703% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 7,028 |
| Noncurrent loans to loans | 0.3034% | 6,759 |
| Net loans and leases to total assets | 64.8189% | 4,805 |
| Net loans and leases to deposits | 71.8138% | 5,757 |
| Net loans and leases to core deposits | 85.6956% | 5,934 |
| Total domestic deposits to total assets | 90.2597% | 727 |
| Equity capital to assets | 9.2808% | 4,906 |
| Core capital (leverage) ratio | 7.2717% | 7,276 |
| Tier 1 risk-based capital ratio | 10.9647% | 5,911 |
| Total risk-based capital ratio | 11.4802% | 6,606 |
| Memoranda: | ||
| Average total assets | $38,369,330 | 7,280 |
| Average earning assets | $33,152,000 | 7,351 |
| Average equity | $3,424,000 | 7,596 |
| Average total loans | $23,330,000 | 7,126 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6390% | 653 |
| Cost of funding earning assets | 1.0335% | 7,619 |
| Net interest margin | 5.6055% | 157 |
| Noninterest income to average assets | 0.4635% | 4,646 |
| Noninterest expense to average assets | 3.1310% | 3,265 |
| Loan and lease loss provision to assets | 0.1545% | 4,959 |
| Net operating income to assets | 1.9259% | 402 |
| Return on assets (ROA) | 1.9259% | 455 |
| Pretax return on assets | 1.9259% | 760 |
| Return on Equity (ROE) | 22.0065% | 308 |
| Retained earnings to average equity (ytd only) | 9.0615% | 1,461 |
| Net charge-offs to loans | 0.0702% | 4,492 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 720 |
| Efficiency ratio | 60.0791% | 6,396 |
| Assets per employee ($millions) | 3.7820% | 4,137 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5255% | 7,784 |
| Loan loss allowance to noncurrent loans | 1,487.5000% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 7,564 |
| Noncurrent loans to loans | 0.0353% | 7,448 |
| Net loans and leases to total assets | 59.5584% | 5,727 |
| Net loans and leases to deposits | 65.8260% | 6,393 |
| Net loans and leases to core deposits | 79.1740% | 6,445 |
| Total domestic deposits to total assets | 90.4786% | 601 |
| Equity capital to assets | 9.1407% | 5,166 |
| Core capital (leverage) ratio | 6.4293% | 7,906 |
| Tier 1 risk-based capital ratio | 11.0757% | 5,830 |
| Total risk-based capital ratio | 11.5749% | 6,489 |
| Memoranda: | ||
| Average total assets | $38,838,000 | 7,307 |
| Average earning assets | $32,896,500 | 7,410 |
| Average equity | $3,399,000 | 7,658 |
| Average total loans | $22,800,500 | 7,193 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4591% | 3,158 |
| Cost of funding earning assets | 1.1811% | 7,961 |
| Net interest margin | 5.2780% | 290 |
| Noninterest income to average assets | 0.5286% | 4,398 |
| Noninterest expense to average assets | 2.7294% | 5,133 |
| Loan and lease loss provision to assets | 0.0233% | 7,107 |
| Net operating income to assets | 2.2404% | 218 |
| Return on assets (ROA) | 2.2404% | 215 |
| Pretax return on assets | 2.2404% | 364 |
| Return on Equity (ROE) | 30.4662% | 54 |
| Retained earnings to average equity (ytd only) | 9.8809% | 465 |
| Net charge-offs to loans | 0.0499% | 6,079 |
| Credit loss provision to net charge-offs | 90.9091% | 5,657 |
| Earnings coverage of net charge-offs (x) | 88.3636% | 475 |
| Efficiency ratio | 54.6642% | 7,191 |
| Assets per employee ($millions) | 3.6233% | 4,360 |
| Cash dividends to net income (ytd only)* | 67.5676% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4704% | 7,887 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 7,586 |
| Noncurrent loans to loans | 0.0174% | 7,461 |
| Net loans and leases to total assets | 57.3289% | 6,301 |
| Net loans and leases to deposits | 62.7875% | 6,889 |
| Net loans and leases to core deposits | 72.9138% | 7,026 |
| Total domestic deposits to total assets | 91.3062% | 247 |
| Equity capital to assets | 8.3827% | 6,291 |
| Core capital (leverage) ratio | 5.9801% | 8,085 |
| Tier 1 risk-based capital ratio | 10.3384% | 6,378 |
| Total risk-based capital ratio | 10.7741% | 7,203 |
| Memoranda: | ||
| Average total assets | $42,939,600 | 7,082 |
| Average earning assets | $36,320,800 | 7,228 |
| Average equity | $3,157,600 | 7,785 |
| Average total loans | $22,038,200 | 7,189 |