Home > American Trust and Savings Bank > Performance and Condition Ratios
American Trust and Savings Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9061% | 4,548 |
| Cost of funding earning assets | 0.6430% | 3,891 |
| Net interest margin | 2.2631% | 4,319 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 3.4824% | 564 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -1.2851% | 4,581 |
| Return on assets (ROA) | -1.2851% | 4,576 |
| Pretax return on assets | -1.2851% | 4,569 |
| Return on Equity (ROE) | -14.0600% | 4,558 |
| Retained earnings to average equity (ytd only) | -14.0553% | 4,531 |
| Net charge-offs to loans | 0.3589% | 241 |
| Credit loss provision to net charge-offs | -6.2500% | 4,464 |
| Earnings coverage of net charge-offs (x) | -20.2500% | 4,609 |
| Efficiency ratio | 158.4838% | 36 |
| Assets per employee ($millions) | 5.3627% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5121% | 33 |
| Loan loss allowance to noncurrent loans | 50.7937% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 2.4925% | 98 |
| Noncurrent loans to loans | 10.8519% | 7 |
| Net loans and leases to total assets | 18.7500% | 4,439 |
| Net loans and leases to deposits | 22.4546% | 4,440 |
| Net loans and leases to core deposits | 22.4546% | 4,435 |
| Total domestic deposits to total assets | 83.5200% | 2,903 |
| Equity capital to assets | 8.0774% | 3,006 |
| Core capital (leverage) ratio | 16.7124% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.5008% | 147 |
| Memoranda: | ||
| Average total assets | $33,616,000 | 4,465 |
| Average earning assets | $31,519,250 | 4,430 |
| Average equity | $3,073,500 | 4,438 |
| Average total loans | $5,944,750 | 4,478 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0550% | 4,538 |
| Cost of funding earning assets | 0.5435% | 3,903 |
| Net interest margin | 2.5115% | 4,195 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 2.7863% | 1,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.3519% | 4,551 |
| Return on assets (ROA) | -0.3519% | 4,542 |
| Pretax return on assets | -0.3519% | 4,535 |
| Return on Equity (ROE) | -3.7100% | 4,525 |
| Retained earnings to average equity (ytd only) | -3.7133% | 4,372 |
| Net charge-offs to loans | -0.1380% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 114.4578% | 83 |
| Assets per employee ($millions) | 5.5880% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5362% | 27 |
| Loan loss allowance to noncurrent loans | 356.1905% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 832 |
| Noncurrent loans to loans | 1.8350% | 326 |
| Net loans and leases to total assets | 15.9500% | 4,482 |
| Net loans and leases to deposits | 18.2863% | 4,480 |
| Net loans and leases to core deposits | 18.4662% | 4,473 |
| Total domestic deposits to total assets | 87.2300% | 1,854 |
| Equity capital to assets | 9.8336% | 1,956 |
| Core capital (leverage) ratio | 16.6988% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.1562% | 120 |
| Memoranda: | ||
| Average total assets | $34,096,000 | 4,488 |
| Average earning assets | $32,012,667 | 4,454 |
| Average equity | $3,231,667 | 4,453 |
| Average total loans | $5,797,667 | 4,511 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9591% | 4,570 |
| Cost of funding earning assets | 0.4952% | 3,702 |
| Net interest margin | 2.4639% | 4,339 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.8040% | 1,427 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.4188% | 4,579 |
| Return on assets (ROA) | -0.4188% | 4,568 |
| Pretax return on assets | -0.4188% | 4,558 |
| Return on Equity (ROE) | -4.5000% | 4,548 |
| Retained earnings to average equity (ytd only) | -4.5014% | 4,310 |
| Net charge-offs to loans | -0.1371% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 117.5610% | 76 |
| Assets per employee ($millions) | 5.8283% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8499% | 24 |
| Loan loss allowance to noncurrent loans | 171.7593% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 820 |
| Noncurrent loans to loans | 3.4059% | 119 |
| Net loans and leases to total assets | 17.0700% | 4,543 |
| Net loans and leases to deposits | 19.5322% | 4,542 |
| Net loans and leases to core deposits | 19.7160% | 4,538 |
| Total domestic deposits to total assets | 87.4200% | 2,123 |
| Equity capital to assets | 9.4853% | 2,157 |
| Core capital (leverage) ratio | 16.8230% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.0522% | 125 |
| Memoranda: | ||
| Average total assets | $34,380,000 | 4,549 |
| Average earning assets | $32,307,000 | 4,515 |
| Average equity | $3,199,000 | 4,519 |
| Average total loans | $5,835,500 | 4,578 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7348% | 4,379 |
| Cost of funding earning assets | 0.2294% | 3,523 |
| Net interest margin | 2.5055% | 4,286 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 2.7616% | 1,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.3300% | 4,624 |
| Return on assets (ROA) | -0.3300% | 4,614 |
| Pretax return on assets | -0.3300% | 4,606 |
| Return on Equity (ROE) | -2.8500% | 4,598 |
| Retained earnings to average equity (ytd only) | -2.8539% | 4,516 |
| Net charge-offs to loans | -0.2756% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 113.5690% | 78 |
| Assets per employee ($millions) | 5.6317% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9244% | 16 |
| Loan loss allowance to noncurrent loans | 171.6279% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 784 |
| Noncurrent loans to loans | 4.0345% | 90 |
| Net loans and leases to total assets | 14.6800% | 4,587 |
| Net loans and leases to deposits | 16.7675% | 4,586 |
| Net loans and leases to core deposits | 16.9301% | 4,578 |
| Total domestic deposits to total assets | 87.5400% | 2,219 |
| Equity capital to assets | 9.1181% | 2,281 |
| Core capital (leverage) ratio | 17.0625% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.3032% | 111 |
| Memoranda: | ||
| Average total assets | $36,065,600 | 4,567 |
| Average earning assets | $34,005,600 | 4,528 |
| Average equity | $4,169,800 | 4,514 |
| Average total loans | $5,443,600 | 4,617 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7160% | 4,284 |
| Cost of funding earning assets | 0.2080% | 3,176 |
| Net interest margin | 2.5080% | 4,201 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 2.4421% | 2,185 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.0109% | 4,607 |
| Return on assets (ROA) | -0.0109% | 4,580 |
| Pretax return on assets | -0.0109% | 4,574 |
| Return on Equity (ROE) | -0.0900% | 4,563 |
| Retained earnings to average equity (ytd only) | -0.0900% | 4,354 |
| Net charge-offs to loans | -0.3167% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 100.4491% | 151 |
| Assets per employee ($millions) | 5.8298% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5841% | 18 |
| Loan loss allowance to noncurrent loans | 169.1244% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 853 |
| Noncurrent loans to loans | 3.8931% | 100 |
| Net loans and leases to total assets | 14.8900% | 4,623 |
| Net loans and leases to deposits | 16.9004% | 4,626 |
| Net loans and leases to core deposits | 17.0576% | 4,616 |
| Total domestic deposits to total assets | 88.0800% | 2,405 |
| Equity capital to assets | 9.2941% | 2,022 |
| Core capital (leverage) ratio | 16.6259% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.0519% | 116 |
| Memoranda: | ||
| Average total assets | $36,634,500 | 4,596 |
| Average earning assets | $34,609,000 | 4,565 |
| Average equity | $4,442,000 | 4,530 |
| Average total loans | $5,472,250 | 4,654 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6181% | 4,259 |
| Cost of funding earning assets | 0.2040% | 2,863 |
| Net interest margin | 2.4141% | 4,212 |
| Noninterest income to average assets | 0.0592% | 4,609 |
| Noninterest expense to average assets | 2.3880% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0376% | 4,592 |
| Return on assets (ROA) | -0.0376% | 4,561 |
| Pretax return on assets | -0.0376% | 4,550 |
| Return on Equity (ROE) | -0.2893% | 4,560 |
| Retained earnings to average equity (ytd only) | -0.2893% | 4,215 |
| Net charge-offs to loans | -0.1839% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6018% | 175 |
| Assets per employee ($millions) | 6.1077% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7723% | 19 |
| Loan loss allowance to noncurrent loans | 579.0323% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 2,514 |
| Noncurrent loans to loans | 1.1696% | 685 |
| Net loans and leases to total assets | 13.4858% | 4,693 |
| Net loans and leases to deposits | 15.5560% | 4,693 |
| Net loans and leases to core deposits | 15.6959% | 4,692 |
| Total domestic deposits to total assets | 86.6916% | 3,039 |
| Equity capital to assets | 10.8034% | 1,304 |
| Core capital (leverage) ratio | 15.8062% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.5276% | 75 |
| Memoranda: | ||
| Average total assets | $37,186,333 | 4,630 |
| Average earning assets | $35,292,333 | 4,614 |
| Average equity | $4,839,000 | 4,535 |
| Average total loans | $5,438,333 | 4,717 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5125% | 4,251 |
| Cost of funding earning assets | 0.2019% | 2,772 |
| Net interest margin | 2.3106% | 4,220 |
| Noninterest income to average assets | 0.0641% | 4,624 |
| Noninterest expense to average assets | 2.3280% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0641% | 4,578 |
| Return on assets (ROA) | -0.0641% | 4,560 |
| Pretax return on assets | -0.0641% | 4,552 |
| Return on Equity (ROE) | -0.4546% | 4,556 |
| Retained earnings to average equity (ytd only) | -0.4546% | 4,075 |
| Net charge-offs to loans | -0.2179% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8302% | 204 |
| Assets per employee ($millions) | 6.2587% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9959% | 19 |
| Loan loss allowance to noncurrent loans | 540.9091% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 2,568 |
| Noncurrent loans to loans | 1.2934% | 676 |
| Net loans and leases to total assets | 12.6385% | 4,725 |
| Net loans and leases to deposits | 14.9109% | 4,724 |
| Net loans and leases to core deposits | 15.0447% | 4,719 |
| Total domestic deposits to total assets | 84.7598% | 3,595 |
| Equity capital to assets | 12.7929% | 739 |
| Core capital (leverage) ratio | 15.6497% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.6104% | 63 |
| Memoranda: | ||
| Average total assets | $37,456,500 | 4,650 |
| Average earning assets | $35,661,000 | 4,634 |
| Average equity | $5,279,000 | 4,539 |
| Average total loans | $5,507,000 | 4,744 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7944% | 4,212 |
| Cost of funding earning assets | 0.2273% | 3,172 |
| Net interest margin | 2.5672% | 4,097 |
| Noninterest income to average assets | 0.0674% | 4,685 |
| Noninterest expense to average assets | 2.6382% | 1,781 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.1051% | 4,706 |
| Return on assets (ROA) | -0.0404% | 4,698 |
| Pretax return on assets | -0.0404% | 4,697 |
| Return on Equity (ROE) | -0.2530% | 4,700 |
| Retained earnings to average equity (ytd only) | -0.2530% | 4,524 |
| Net charge-offs to loans | -0.5815% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1489% | 119 |
| Assets per employee ($millions) | 6.2268% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9888% | 26 |
| Loan loss allowance to noncurrent loans | 610.3448% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 2,856 |
| Noncurrent loans to loans | 0.9812% | 1,014 |
| Net loans and leases to total assets | 14.8738% | 4,757 |
| Net loans and leases to deposits | 18.1075% | 4,756 |
| Net loans and leases to core deposits | 18.2754% | 4,754 |
| Total domestic deposits to total assets | 82.1418% | 3,939 |
| Equity capital to assets | 15.4011% | 445 |
| Core capital (leverage) ratio | 16.1550% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.7755% | 62 |
| Memoranda: | ||
| Average total assets | $37,108,600 | 4,689 |
| Average earning assets | $35,642,400 | 4,663 |
| Average equity | $5,928,800 | 4,534 |
| Average total loans | $6,707,000 | 4,775 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8119% | 4,287 |
| Cost of funding earning assets | 0.2359% | 3,256 |
| Net interest margin | 2.5760% | 4,169 |
| Noninterest income to average assets | 0.0756% | 4,741 |
| Noninterest expense to average assets | 2.2170% | 3,014 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3347% | 4,466 |
| Return on assets (ROA) | 0.4211% | 4,371 |
| Pretax return on assets | 0.4211% | 4,467 |
| Return on Equity (ROE) | 2.6119% | 4,515 |
| Retained earnings to average equity (ytd only) | 2.6119% | 4,029 |
| Net charge-offs to loans | -0.6950% | 4,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8829% | 405 |
| Assets per employee ($millions) | 6.1328% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1915% | 37 |
| Loan loss allowance to noncurrent loans | 331.1321% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 2,331 |
| Noncurrent loans to loans | 1.5678% | 657 |
| Net loans and leases to total assets | 17.4199% | 4,817 |
| Net loans and leases to deposits | 21.4045% | 4,814 |
| Net loans and leases to core deposits | 21.6080% | 4,813 |
| Total domestic deposits to total assets | 81.3844% | 4,033 |
| Equity capital to assets | 16.2323% | 394 |
| Core capital (leverage) ratio | 16.2923% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.1750% | 67 |
| Memoranda: | ||
| Average total assets | $37,045,500 | 4,761 |
| Average earning assets | $35,609,250 | 4,734 |
| Average equity | $5,972,500 | 4,597 |
| Average total loans | $6,906,000 | 4,843 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8294% | 4,308 |
| Cost of funding earning assets | 0.2404% | 3,370 |
| Net interest margin | 2.5890% | 4,186 |
| Noninterest income to average assets | 0.0700% | 4,787 |
| Noninterest expense to average assets | 2.0739% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4902% | 4,240 |
| Return on assets (ROA) | 0.6195% | 3,998 |
| Pretax return on assets | 0.6195% | 4,201 |
| Return on Equity (ROE) | 3.8511% | 4,356 |
| Retained earnings to average equity (ytd only) | 3.8511% | 3,568 |
| Net charge-offs to loans | -0.8340% | 4,893 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8824% | 734 |
| Assets per employee ($millions) | 6.3105% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1092% | 35 |
| Loan loss allowance to noncurrent loans | 318.5185% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 2,501 |
| Noncurrent loans to loans | 1.6040% | 685 |
| Net loans and leases to total assets | 16.8740% | 4,856 |
| Net loans and leases to deposits | 20.6423% | 4,853 |
| Net loans and leases to core deposits | 20.8308% | 4,850 |
| Total domestic deposits to total assets | 81.7447% | 3,968 |
| Equity capital to assets | 15.9390% | 419 |
| Core capital (leverage) ratio | 16.0256% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.1449% | 73 |
| Memoranda: | ||
| Average total assets | $37,128,333 | 4,791 |
| Average earning assets | $35,767,333 | 4,758 |
| Average equity | $5,972,333 | 4,621 |
| Average total loans | $6,954,333 | 4,880 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6777% | 4,504 |
| Cost of funding earning assets | 0.2486% | 3,488 |
| Net interest margin | 2.4292% | 4,383 |
| Noninterest income to average assets | 0.0653% | 4,809 |
| Noninterest expense to average assets | 1.9695% | 3,806 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4352% | 4,295 |
| Return on assets (ROA) | 0.4352% | 4,327 |
| Pretax return on assets | 0.4352% | 4,440 |
| Return on Equity (ROE) | 2.6931% | 4,526 |
| Retained earnings to average equity (ytd only) | 2.6931% | 3,872 |
| Net charge-offs to loans | -0.4529% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9005% | 703 |
| Assets per employee ($millions) | 7.6076% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6495% | 50 |
| Loan loss allowance to noncurrent loans | 299.0741% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 2,729 |
| Noncurrent loans to loans | 1.5546% | 794 |
| Net loans and leases to total assets | 17.4142% | 4,881 |
| Net loans and leases to deposits | 21.1427% | 4,876 |
| Net loans and leases to core deposits | 21.3326% | 4,879 |
| Total domestic deposits to total assets | 82.3650% | 3,820 |
| Equity capital to assets | 15.3268% | 463 |
| Core capital (leverage) ratio | 15.9376% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.8407% | 69 |
| Memoranda: | ||
| Average total assets | $36,761,000 | 4,815 |
| Average earning assets | $35,403,000 | 4,782 |
| Average equity | $5,941,000 | 4,642 |
| Average total loans | $7,065,000 | 4,904 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2130% | 4,438 |
| Cost of funding earning assets | 0.3870% | 3,662 |
| Net interest margin | 2.8260% | 4,222 |
| Noninterest income to average assets | 0.0876% | 4,777 |
| Noninterest expense to average assets | 2.8844% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.9780% | 4,931 |
| Return on assets (ROA) | -0.9780% | 4,932 |
| Pretax return on assets | -0.1109% | 4,800 |
| Return on Equity (ROE) | -5.2802% | 4,897 |
| Retained earnings to average equity (ytd only) | -5.2802% | 4,838 |
| Net charge-offs to loans | -0.4055% | 4,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0000% | 143 |
| Assets per employee ($millions) | 7.0968% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3854% | 56 |
| Loan loss allowance to noncurrent loans | 366.2791% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 3,074 |
| Noncurrent loans to loans | 1.1973% | 1,174 |
| Net loans and leases to total assets | 19.3552% | 4,886 |
| Net loans and leases to deposits | 24.0535% | 4,883 |
| Net loans and leases to core deposits | 24.5312% | 4,884 |
| Total domestic deposits to total assets | 80.4673% | 3,966 |
| Equity capital to assets | 17.0556% | 333 |
| Core capital (leverage) ratio | 16.9608% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.2834% | 66 |
| Memoranda: | ||
| Average total assets | $34,253,200 | 4,838 |
| Average earning assets | $32,555,000 | 4,819 |
| Average equity | $6,344,400 | 4,600 |
| Average total loans | $8,137,400 | 4,913 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 4,402 |
| Cost of funding earning assets | 0.4145% | 3,731 |
| Net interest margin | 2.9474% | 4,091 |
| Noninterest income to average assets | 0.0864% | 4,802 |
| Noninterest expense to average assets | 2.5805% | 2,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2985% | 4,451 |
| Return on assets (ROA) | 0.2985% | 4,497 |
| Pretax return on assets | 0.2985% | 4,546 |
| Return on Equity (ROE) | 1.5790% | 4,612 |
| Retained earnings to average equity (ytd only) | 1.5790% | 4,061 |
| Net charge-offs to loans | -0.8437% | 4,990 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6317% | 374 |
| Assets per employee ($millions) | 6.9130% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1001% | 60 |
| Loan loss allowance to noncurrent loans | 326.2136% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 2,960 |
| Noncurrent loans to loans | 1.2569% | 1,194 |
| Net loans and leases to total assets | 22.7369% | 4,905 |
| Net loans and leases to deposits | 28.8414% | 4,899 |
| Net loans and leases to core deposits | 29.4422% | 4,904 |
| Total domestic deposits to total assets | 78.8341% | 4,078 |
| Equity capital to assets | 18.7328% | 253 |
| Core capital (leverage) ratio | 18.8284% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.3347% | 76 |
| Memoranda: | ||
| Average total assets | $33,945,500 | 4,866 |
| Average earning assets | $32,162,750 | 4,848 |
| Average equity | $6,417,500 | 4,616 |
| Average total loans | $8,376,000 | 4,943 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4462% | 4,486 |
| Cost of funding earning assets | 0.4316% | 3,887 |
| Net interest margin | 3.0146% | 4,089 |
| Noninterest income to average assets | 0.0830% | 4,829 |
| Noninterest expense to average assets | 2.5786% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3616% | 4,310 |
| Return on assets (ROA) | 0.3616% | 4,367 |
| Pretax return on assets | 0.3616% | 4,453 |
| Return on Equity (ROE) | 1.9067% | 4,549 |
| Retained earnings to average equity (ytd only) | 1.9067% | 3,795 |
| Net charge-offs to loans | -0.8772% | 5,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7016% | 465 |
| Assets per employee ($millions) | 5.6345% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8333% | 72 |
| Loan loss allowance to noncurrent loans | 640.0000% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 3,784 |
| Noncurrent loans to loans | 0.5989% | 2,349 |
| Net loans and leases to total assets | 23.7466% | 4,928 |
| Net loans and leases to deposits | 30.2749% | 4,926 |
| Net loans and leases to core deposits | 30.9185% | 4,927 |
| Total domestic deposits to total assets | 78.4364% | 4,125 |
| Equity capital to assets | 19.0759% | 237 |
| Core capital (leverage) ratio | 18.8118% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.9463% | 66 |
| Memoranda: | ||
| Average total assets | $33,739,000 | 4,895 |
| Average earning assets | $31,977,667 | 4,875 |
| Average equity | $6,398,333 | 4,640 |
| Average total loans | $8,436,333 | 4,976 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4566% | 4,678 |
| Cost of funding earning assets | 0.4759% | 4,042 |
| Net interest margin | 2.9807% | 4,316 |
| Noninterest income to average assets | 0.0949% | 4,843 |
| Noninterest expense to average assets | 2.8720% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0475% | 4,714 |
| Return on assets (ROA) | 0.0475% | 4,708 |
| Pretax return on assets | 0.0475% | 4,703 |
| Return on Equity (ROE) | 0.2511% | 4,718 |
| Retained earnings to average equity (ytd only) | 0.2511% | 3,933 |
| Net charge-offs to loans | -1.0377% | 5,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3740% | 270 |
| Assets per employee ($millions) | 5.6607% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6372% | 95 |
| Loan loss allowance to noncurrent loans | 2,026.6667% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 4,387 |
| Noncurrent loans to loans | 0.1795% | 3,833 |
| Net loans and leases to total assets | 23.7133% | 4,978 |
| Net loans and leases to deposits | 30.1005% | 4,974 |
| Net loans and leases to core deposits | 30.7346% | 4,977 |
| Total domestic deposits to total assets | 78.7805% | 4,091 |
| Equity capital to assets | 18.7375% | 309 |
| Core capital (leverage) ratio | 18.6309% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.9532% | 81 |
| Memoranda: | ||
| Average total assets | $33,705,000 | 4,933 |
| Average earning assets | $31,938,500 | 4,904 |
| Average equity | $6,373,000 | 4,676 |
| Average total loans | $8,480,500 | 5,019 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5661% | 4,806 |
| Cost of funding earning assets | 0.4924% | 4,127 |
| Net interest margin | 3.0737% | 4,411 |
| Noninterest income to average assets | 0.1189% | 4,862 |
| Noninterest expense to average assets | 2.7029% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3747% | 4,641 |
| Return on assets (ROA) | 0.3747% | 4,670 |
| Pretax return on assets | 0.3301% | 4,792 |
| Return on Equity (ROE) | 1.9866% | 4,803 |
| Retained earnings to average equity (ytd only) | 0.8199% | 4,453 |
| Net charge-offs to loans | -0.5991% | 5,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1176% | 385 |
| Assets per employee ($millions) | 6.6892% | 1,185 |
| Cash dividends to net income (ytd only)* | 58.7302% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2896% | 98 |
| Loan loss allowance to noncurrent loans | 1,886.6667% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 4,420 |
| Noncurrent loans to loans | 0.1744% | 3,834 |
| Net loans and leases to total assets | 24.8759% | 5,030 |
| Net loans and leases to deposits | 31.7291% | 5,022 |
| Net loans and leases to core deposits | 32.4063% | 5,031 |
| Total domestic deposits to total assets | 78.4010% | 4,297 |
| Equity capital to assets | 19.0815% | 294 |
| Core capital (leverage) ratio | 19.0897% | 272 |
| Tier 1 risk-based capital ratio | 50.7046% | 129 |
| Total risk-based capital ratio | 51.9616% | 128 |
| Memoranda: | ||
| Average total assets | $33,630,000 | 4,982 |
| Average earning assets | $31,883,600 | 4,965 |
| Average equity | $6,342,400 | 4,716 |
| Average total loans | $8,846,800 | 5,074 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5828% | 4,894 |
| Cost of funding earning assets | 0.4886% | 4,188 |
| Net interest margin | 3.0942% | 4,488 |
| Noninterest income to average assets | 0.1188% | 4,921 |
| Noninterest expense to average assets | 2.5695% | 3,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3524% | 4,784 |
| Return on assets (ROA) | 0.3524% | 4,809 |
| Pretax return on assets | 0.4830% | 4,718 |
| Return on Equity (ROE) | 1.8738% | 4,913 |
| Retained earnings to average equity (ytd only) | 1.8738% | 4,318 |
| Net charge-offs to loans | -0.5688% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1764% | 607 |
| Assets per employee ($millions) | 6.5052% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0327% | 129 |
| Loan loss allowance to noncurrent loans | 1,668.7500% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 4,469 |
| Noncurrent loans to loans | 0.1817% | 3,883 |
| Net loans and leases to total assets | 26.2467% | 5,109 |
| Net loans and leases to deposits | 33.8354% | 5,093 |
| Net loans and leases to core deposits | 34.5866% | 5,098 |
| Total domestic deposits to total assets | 77.5718% | 4,430 |
| Equity capital to assets | 19.8057% | 269 |
| Core capital (leverage) ratio | 19.5308% | 267 |
| Tier 1 risk-based capital ratio | 50.4715% | 136 |
| Total risk-based capital ratio | 51.7315% | 131 |
| Memoranda: | ||
| Average total assets | $33,676,000 | 5,055 |
| Average earning assets | $31,929,750 | 5,038 |
| Average equity | $6,332,500 | 4,779 |
| Average total loans | $8,907,750 | 5,153 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4761% | 5,026 |
| Cost of funding earning assets | 0.4771% | 4,220 |
| Net interest margin | 2.9990% | 4,692 |
| Noninterest income to average assets | 0.1351% | 4,893 |
| Noninterest expense to average assets | 2.4722% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3758% | 4,768 |
| Return on assets (ROA) | 0.3758% | 4,788 |
| Pretax return on assets | 0.5050% | 4,693 |
| Return on Equity (ROE) | 2.0330% | 4,937 |
| Retained earnings to average equity (ytd only) | 2.0330% | 4,105 |
| Net charge-offs to loans | -0.6039% | 5,236 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0375% | 729 |
| Assets per employee ($millions) | 6.5406% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9032% | 140 |
| Loan loss allowance to noncurrent loans | 2,327.2727% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 4,604 |
| Noncurrent loans to loans | 0.1247% | 4,117 |
| Net loans and leases to total assets | 26.1811% | 5,152 |
| Net loans and leases to deposits | 33.6213% | 5,131 |
| Net loans and leases to core deposits | 34.3552% | 5,139 |
| Total domestic deposits to total assets | 77.8705% | 4,422 |
| Equity capital to assets | 19.5792% | 262 |
| Core capital (leverage) ratio | 18.9607% | 280 |
| Tier 1 risk-based capital ratio | 50.3531% | 132 |
| Total risk-based capital ratio | 51.6070% | 131 |
| Memoranda: | ||
| Average total assets | $34,059,330 | 5,095 |
| Average earning assets | $32,277,670 | 5,073 |
| Average equity | $6,296,000 | 4,812 |
| Average total loans | $8,942,330 | 5,198 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4756% | 5,065 |
| Cost of funding earning assets | 0.4739% | 4,186 |
| Net interest margin | 3.0016% | 4,745 |
| Noninterest income to average assets | 0.1842% | 4,648 |
| Noninterest expense to average assets | 2.4297% | 3,683 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4721% | 4,592 |
| Return on assets (ROA) | 0.4721% | 4,614 |
| Pretax return on assets | 0.5988% | 4,516 |
| Return on Equity (ROE) | 2.6272% | 4,865 |
| Retained earnings to average equity (ytd only) | 2.6272% | 3,884 |
| Net charge-offs to loans | -0.5331% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2281% | 1,040 |
| Assets per employee ($millions) | 7.0626% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7275% | 183 |
| Loan loss allowance to noncurrent loans | 1,417.6471% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 4,588 |
| Noncurrent loans to loans | 0.1924% | 3,898 |
| Net loans and leases to total assets | 24.3395% | 5,231 |
| Net loans and leases to deposits | 30.4949% | 5,215 |
| Net loans and leases to core deposits | 31.0951% | 5,228 |
| Total domestic deposits to total assets | 79.8148% | 4,201 |
| Equity capital to assets | 17.8631% | 358 |
| Core capital (leverage) ratio | 18.1891% | 327 |
| Tier 1 risk-based capital ratio | 48.1456% | 147 |
| Total risk-based capital ratio | 49.4022% | 147 |
| Memoranda: | ||
| Average total assets | $34,737,500 | 5,133 |
| Average earning assets | $32,915,500 | 5,116 |
| Average equity | $6,242,500 | 4,854 |
| Average total loans | $9,004,500 | 5,257 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6344% | 4,761 |
| Cost of funding earning assets | 0.4982% | 3,374 |
| Net interest margin | 3.1361% | 4,594 |
| Noninterest income to average assets | 0.1011% | 5,146 |
| Noninterest expense to average assets | 2.5503% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0751% | 5,198 |
| Return on assets (ROA) | 0.0751% | 5,192 |
| Pretax return on assets | 0.5141% | 4,777 |
| Return on Equity (ROE) | 0.4195% | 5,204 |
| Retained earnings to average equity (ytd only) | 0.4195% | 4,870 |
| Net charge-offs to loans | -0.5380% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2234% | 697 |
| Assets per employee ($millions) | 6.8324% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4965% | 237 |
| Loan loss allowance to noncurrent loans | 1,145.0000% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 4,550 |
| Noncurrent loans to loans | 0.2180% | 3,799 |
| Net loans and leases to total assets | 26.1811% | 5,253 |
| Net loans and leases to deposits | 32.9162% | 5,234 |
| Net loans and leases to core deposits | 33.5837% | 5,247 |
| Total domestic deposits to total assets | 79.5387% | 4,206 |
| Equity capital to assets | 18.0815% | 335 |
| Core capital (leverage) ratio | 18.3422% | 304 |
| Tier 1 risk-based capital ratio | 47.5866% | 149 |
| Total risk-based capital ratio | 48.8369% | 148 |
| Memoranda: | ||
| Average total assets | $34,623,000 | 5,178 |
| Average earning assets | $32,715,400 | 5,154 |
| Average equity | $6,198,400 | 4,864 |
| Average total loans | $9,293,800 | 5,298 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 4,788 |
| Cost of funding earning assets | 0.4912% | 3,255 |
| Net interest margin | 3.1175% | 4,674 |
| Noninterest income to average assets | 0.0998% | 5,213 |
| Noninterest expense to average assets | 2.3413% | 3,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2687% | 5,134 |
| Return on assets (ROA) | 0.2687% | 5,126 |
| Pretax return on assets | 0.7062% | 4,521 |
| Return on Equity (ROE) | 1.5044% | 5,187 |
| Retained earnings to average equity (ytd only) | 1.5044% | 4,726 |
| Net charge-offs to loans | -0.6435% | 5,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8262% | 1,251 |
| Assets per employee ($millions) | 6.7408% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4001% | 273 |
| Loan loss allowance to noncurrent loans | 746.6667% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 4,522 |
| Noncurrent loans to loans | 0.3214% | 3,521 |
| Net loans and leases to total assets | 27.0265% | 5,311 |
| Net loans and leases to deposits | 34.3334% | 5,296 |
| Net loans and leases to core deposits | 35.0467% | 5,309 |
| Total domestic deposits to total assets | 78.7177% | 4,376 |
| Equity capital to assets | 18.1848% | 319 |
| Core capital (leverage) ratio | 18.5798% | 287 |
| Tier 1 risk-based capital ratio | 46.9035% | 162 |
| Total risk-based capital ratio | 48.1569% | 160 |
| Memoranda: | ||
| Average total assets | $34,738,250 | 5,245 |
| Average earning assets | $32,846,250 | 5,217 |
| Average equity | $6,203,750 | 4,920 |
| Average total loans | $9,324,000 | 5,366 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 4,754 |
| Cost of funding earning assets | 0.4938% | 3,050 |
| Net interest margin | 3.1131% | 4,705 |
| Noninterest income to average assets | 0.1083% | 5,246 |
| Noninterest expense to average assets | 2.2290% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3934% | 4,969 |
| Return on assets (ROA) | 0.3934% | 4,976 |
| Pretax return on assets | 0.8266% | 4,172 |
| Return on Equity (ROE) | 2.2156% | 5,149 |
| Retained earnings to average equity (ytd only) | 2.2156% | 4,392 |
| Net charge-offs to loans | -0.6437% | 5,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9478% | 1,854 |
| Assets per employee ($millions) | 6.9298% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2509% | 342 |
| Loan loss allowance to noncurrent loans | 633.3333% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 4,537 |
| Noncurrent loans to loans | 0.3554% | 3,422 |
| Net loans and leases to total assets | 26.1941% | 5,380 |
| Net loans and leases to deposits | 32.8412% | 5,365 |
| Net loans and leases to core deposits | 33.4920% | 5,372 |
| Total domestic deposits to total assets | 79.7599% | 4,294 |
| Equity capital to assets | 17.9168% | 331 |
| Core capital (leverage) ratio | 17.8123% | 325 |
| Tier 1 risk-based capital ratio | 46.2749% | 165 |
| Total risk-based capital ratio | 47.5263% | 160 |
| Memoranda: | ||
| Average total assets | $35,083,000 | 5,303 |
| Average earning assets | $33,215,000 | 5,274 |
| Average equity | $6,228,670 | 4,969 |
| Average total loans | $9,321,000 | 5,424 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 4,729 |
| Cost of funding earning assets | 0.5023% | 2,779 |
| Net interest margin | 3.0855% | 4,730 |
| Noninterest income to average assets | 0.1246% | 5,234 |
| Noninterest expense to average assets | 2.4363% | 3,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1813% | 5,263 |
| Return on assets (ROA) | 0.1813% | 5,259 |
| Pretax return on assets | 0.6119% | 4,660 |
| Return on Equity (ROE) | 1.0258% | 5,307 |
| Retained earnings to average equity (ytd only) | 1.0258% | 4,624 |
| Net charge-offs to loans | -0.6425% | 5,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9257% | 1,143 |
| Assets per employee ($millions) | 5.8977% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0862% | 470 |
| Loan loss allowance to noncurrent loans | 1,021.0526% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 4,833 |
| Noncurrent loans to loans | 0.2043% | 4,054 |
| Net loans and leases to total assets | 25.7305% | 5,439 |
| Net loans and leases to deposits | 32.0587% | 5,416 |
| Net loans and leases to core deposits | 32.6766% | 5,428 |
| Total domestic deposits to total assets | 80.2606% | 4,375 |
| Equity capital to assets | 17.4984% | 358 |
| Core capital (leverage) ratio | 17.8190% | 318 |
| Tier 1 risk-based capital ratio | 42.8241% | 198 |
| Total risk-based capital ratio | 44.0751% | 194 |
| Memoranda: | ||
| Average total assets | $35,300,000 | 5,359 |
| Average earning assets | $33,447,000 | 5,326 |
| Average equity | $6,239,000 | 5,019 |
| Average total loans | $9,339,000 | 5,485 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5072% | 4,776 |
| Cost of funding earning assets | 0.5140% | 2,218 |
| Net interest margin | 2.9931% | 4,900 |
| Noninterest income to average assets | 0.1225% | 5,333 |
| Noninterest expense to average assets | 2.6121% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.0214% | 5,381 |
| Return on assets (ROA) | 0.0000% | 5,361 |
| Pretax return on assets | 0.3815% | 5,111 |
| Return on Equity (ROE) | 0.0000% | 5,361 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,012 |
| Net charge-offs to loans | -0.6707% | 5,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2408% | 519 |
| Assets per employee ($millions) | 5.8690% | 1,608 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9085% | 635 |
| Loan loss allowance to noncurrent loans | 511.4286% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,633 |
| Noncurrent loans to loans | 0.3732% | 3,423 |
| Net loans and leases to total assets | 26.1260% | 5,498 |
| Net loans and leases to deposits | 32.6937% | 5,484 |
| Net loans and leases to core deposits | 33.3249% | 5,496 |
| Total domestic deposits to total assets | 79.9114% | 4,350 |
| Equity capital to assets | 17.8509% | 328 |
| Core capital (leverage) ratio | 17.7877% | 313 |
| Tier 1 risk-based capital ratio | 42.8669% | 181 |
| Total risk-based capital ratio | 44.0876% | 179 |
| Memoranda: | ||
| Average total assets | $35,910,000 | 5,399 |
| Average earning assets | $34,044,600 | 5,363 |
| Average equity | $6,403,600 | 5,040 |
| Average total loans | $9,542,600 | 5,548 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5166% | 4,773 |
| Cost of funding earning assets | 0.5141% | 2,156 |
| Net interest margin | 3.0025% | 4,912 |
| Noninterest income to average assets | 0.1183% | 5,408 |
| Noninterest expense to average assets | 2.3907% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4013% | 4,999 |
| Return on assets (ROA) | 0.4323% | 4,957 |
| Pretax return on assets | 0.6208% | 4,799 |
| Return on Equity (ROE) | 2.4250% | 5,241 |
| Retained earnings to average equity (ytd only) | 2.4250% | 4,438 |
| Net charge-offs to loans | -0.6400% | 5,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5729% | 1,037 |
| Assets per employee ($millions) | 5.9585% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6802% | 1,067 |
| Loan loss allowance to noncurrent loans | 447.2222% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 4,732 |
| Noncurrent loans to loans | 0.3757% | 3,607 |
| Net loans and leases to total assets | 26.3517% | 5,560 |
| Net loans and leases to deposits | 33.0654% | 5,544 |
| Net loans and leases to core deposits | 33.6958% | 5,556 |
| Total domestic deposits to total assets | 79.6957% | 4,394 |
| Equity capital to assets | 18.0722% | 332 |
| Core capital (leverage) ratio | 17.6833% | 324 |
| Tier 1 risk-based capital ratio | 42.3614% | 195 |
| Total risk-based capital ratio | 43.4317% | 190 |
| Memoranda: | ||
| Average total assets | $36,084,000 | 5,456 |
| Average earning assets | $34,237,000 | 5,422 |
| Average equity | $6,433,000 | 5,090 |
| Average total loans | $9,583,500 | 5,607 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5032% | 4,756 |
| Cost of funding earning assets | 0.5171% | 2,037 |
| Net interest margin | 2.9861% | 4,939 |
| Noninterest income to average assets | 0.1160% | 5,460 |
| Noninterest expense to average assets | 2.2434% | 4,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5457% | 4,542 |
| Return on assets (ROA) | 0.5968% | 4,367 |
| Pretax return on assets | 0.7791% | 4,344 |
| Return on Equity (ROE) | 3.3626% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.3626% | 3,715 |
| Net charge-offs to loans | -0.6469% | 5,710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8879% | 1,741 |
| Assets per employee ($millions) | 6.0710% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 1,357 |
| Loan loss allowance to noncurrent loans | 730.0000% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 4,979 |
| Noncurrent loans to loans | 0.2139% | 4,264 |
| Net loans and leases to total assets | 25.2732% | 5,624 |
| Net loans and leases to deposits | 31.5869% | 5,610 |
| Net loans and leases to core deposits | 32.1708% | 5,622 |
| Total domestic deposits to total assets | 80.0115% | 4,405 |
| Equity capital to assets | 17.8334% | 336 |
| Core capital (leverage) ratio | 17.3163% | 340 |
| Tier 1 risk-based capital ratio | 41.5220% | 191 |
| Total risk-based capital ratio | 42.4749% | 192 |
| Memoranda: | ||
| Average total assets | $36,195,000 | 5,500 |
| Average earning assets | $34,425,670 | 5,466 |
| Average equity | $6,423,670 | 5,118 |
| Average total loans | $9,584,000 | 5,654 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 4,786 |
| Cost of funding earning assets | 0.5116% | 1,997 |
| Net interest margin | 2.9534% | 4,990 |
| Noninterest income to average assets | 0.1220% | 5,504 |
| Noninterest expense to average assets | 2.4280% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3615% | 5,045 |
| Return on assets (ROA) | 0.4324% | 4,870 |
| Pretax return on assets | 0.6098% | 4,706 |
| Return on Equity (ROE) | 2.4423% | 5,246 |
| Retained earnings to average equity (ytd only) | 2.4423% | 4,168 |
| Net charge-offs to loans | -0.6598% | 5,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6415% | 1,098 |
| Assets per employee ($millions) | 6.0275% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 2,324 |
| Loan loss allowance to noncurrent loans | 655.0000% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 5,057 |
| Noncurrent loans to loans | 0.2053% | 4,380 |
| Net loans and leases to total assets | 26.5754% | 5,661 |
| Net loans and leases to deposits | 33.1425% | 5,635 |
| Net loans and leases to core deposits | 33.7583% | 5,652 |
| Total domestic deposits to total assets | 80.1853% | 4,581 |
| Equity capital to assets | 17.6884% | 325 |
| Core capital (leverage) ratio | 17.2989% | 342 |
| Tier 1 risk-based capital ratio | 40.0854% | 224 |
| Total risk-based capital ratio | 40.9198% | 224 |
| Memoranda: | ||
| Average total assets | $36,079,500 | 5,566 |
| Average earning assets | $34,401,000 | 5,529 |
| Average equity | $6,387,500 | 5,176 |
| Average total loans | $9,700,000 | 5,717 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5382% | 4,667 |
| Cost of funding earning assets | 0.5473% | 1,715 |
| Net interest margin | 2.9909% | 4,974 |
| Noninterest income to average assets | 0.1210% | 5,577 |
| Noninterest expense to average assets | 2.6062% | 3,658 |
| Loan and lease loss provision to assets | -0.1717% | 5,759 |
| Net operating income to assets | 0.2139% | 5,398 |
| Return on assets (ROA) | 0.2139% | 5,454 |
| Pretax return on assets | 0.5319% | 4,962 |
| Return on Equity (ROE) | 1.1666% | 5,541 |
| Retained earnings to average equity (ytd only) | 1.1666% | 4,823 |
| Net charge-offs to loans | -0.4790% | 5,833 |
| Credit loss provision to net charge-offs | 132.6087% | 2,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8558% | 692 |
| Assets per employee ($millions) | 5.9990% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 3,175 |
| Loan loss allowance to noncurrent loans | 522.7273% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 4,633 |
| Noncurrent loans to loans | 0.2278% | 4,334 |
| Net loans and leases to total assets | 26.5128% | 5,721 |
| Net loans and leases to deposits | 33.0768% | 5,693 |
| Net loans and leases to core deposits | 33.6899% | 5,711 |
| Total domestic deposits to total assets | 80.1550% | 4,540 |
| Equity capital to assets | 17.7196% | 324 |
| Core capital (leverage) ratio | 17.3024% | 336 |
| Tier 1 risk-based capital ratio | 40.3184% | 216 |
| Total risk-based capital ratio | 41.0597% | 219 |
| Memoranda: | ||
| Average total assets | $35,530,200 | 5,626 |
| Average earning assets | $33,802,400 | 5,591 |
| Average equity | $6,514,800 | 5,184 |
| Average total loans | $9,604,000 | 5,776 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 4,535 |
| Cost of funding earning assets | 0.5502% | 1,688 |
| Net interest margin | 3.0558% | 4,887 |
| Noninterest income to average assets | 0.0791% | 5,767 |
| Noninterest expense to average assets | 2.4246% | 4,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3163% | 5,252 |
| Return on assets (ROA) | 0.3163% | 5,334 |
| Pretax return on assets | 0.5610% | 4,971 |
| Return on Equity (ROE) | 1.7102% | 5,524 |
| Retained earnings to average equity (ytd only) | 1.7102% | 4,823 |
| Net charge-offs to loans | -0.4171% | 5,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2106% | 1,279 |
| Assets per employee ($millions) | 5.8172% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 1,240 |
| Loan loss allowance to noncurrent loans | 727.2727% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 4,732 |
| Noncurrent loans to loans | 0.2323% | 4,438 |
| Net loans and leases to total assets | 26.6768% | 5,784 |
| Net loans and leases to deposits | 33.8410% | 5,757 |
| Net loans and leases to core deposits | 34.4992% | 5,772 |
| Total domestic deposits to total assets | 78.8299% | 4,761 |
| Equity capital to assets | 18.9210% | 271 |
| Core capital (leverage) ratio | 17.8415% | 314 |
| Tier 1 risk-based capital ratio | 41.6356% | 203 |
| Total risk-based capital ratio | 42.6995% | 205 |
| Memoranda: | ||
| Average total assets | $35,414,250 | 5,687 |
| Average earning assets | $33,684,250 | 5,652 |
| Average equity | $6,549,000 | 5,225 |
| Average total loans | $9,590,500 | 5,839 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6267% | 4,518 |
| Cost of funding earning assets | 0.5484% | 1,710 |
| Net interest margin | 3.0783% | 4,891 |
| Noninterest income to average assets | 0.0843% | 5,830 |
| Noninterest expense to average assets | 2.3549% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3934% | 5,054 |
| Return on assets (ROA) | 0.3934% | 5,134 |
| Pretax return on assets | 0.6632% | 4,734 |
| Return on Equity (ROE) | 2.1437% | 5,477 |
| Retained earnings to average equity (ytd only) | 2.1437% | 4,498 |
| Net charge-offs to loans | -0.7061% | 5,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0261% | 1,788 |
| Assets per employee ($millions) | 5.9127% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 1,243 |
| Loan loss allowance to noncurrent loans | 410.0000% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 4,597 |
| Noncurrent loans to loans | 0.4185% | 3,855 |
| Net loans and leases to total assets | 26.4771% | 5,861 |
| Net loans and leases to deposits | 33.4723% | 5,833 |
| Net loans and leases to core deposits | 34.1043% | 5,845 |
| Total domestic deposits to total assets | 79.1014% | 4,757 |
| Equity capital to assets | 18.7282% | 277 |
| Core capital (leverage) ratio | 17.3889% | 337 |
| Tier 1 risk-based capital ratio | 40.7939% | 219 |
| Total risk-based capital ratio | 41.8647% | 221 |
| Memoranda: | ||
| Average total assets | $35,584,670 | 5,751 |
| Average earning assets | $33,915,000 | 5,711 |
| Average equity | $6,530,670 | 5,277 |
| Average total loans | $9,630,330 | 5,912 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5376% | 4,793 |
| Cost of funding earning assets | 0.5542% | 1,666 |
| Net interest margin | 2.9834% | 5,156 |
| Noninterest income to average assets | 0.0673% | 5,918 |
| Noninterest expense to average assets | 2.2896% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4377% | 4,872 |
| Return on assets (ROA) | 0.4377% | 4,951 |
| Pretax return on assets | 0.6173% | 4,768 |
| Return on Equity (ROE) | 2.4096% | 5,398 |
| Retained earnings to average equity (ytd only) | 2.4096% | 4,290 |
| Net charge-offs to loans | -0.6207% | 6,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7645% | 1,791 |
| Assets per employee ($millions) | 5.9733% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 2,190 |
| Loan loss allowance to noncurrent loans | 68.7204% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 2,963 |
| Noncurrent loans to loans | 2.1125% | 994 |
| Net loans and leases to total assets | 27.4637% | 5,886 |
| Net loans and leases to deposits | 34.4993% | 5,860 |
| Net loans and leases to core deposits | 35.1398% | 5,872 |
| Total domestic deposits to total assets | 79.6066% | 4,834 |
| Equity capital to assets | 18.2785% | 305 |
| Core capital (leverage) ratio | 17.1046% | 362 |
| Tier 1 risk-based capital ratio | 37.2008% | 284 |
| Total risk-based capital ratio | 38.0685% | 288 |
| Memoranda: | ||
| Average total assets | $35,639,000 | 5,807 |
| Average earning assets | $33,921,000 | 5,763 |
| Average equity | $6,474,000 | 5,324 |
| Average total loans | $9,667,000 | 5,968 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5403% | 4,817 |
| Cost of funding earning assets | 0.5506% | 1,750 |
| Net interest margin | 2.9897% | 5,162 |
| Noninterest income to average assets | 0.1926% | 5,436 |
| Noninterest expense to average assets | 2.3387% | 4,679 |
| Loan and lease loss provision to assets | -0.1492% | 5,919 |
| Net operating income to assets | 0.6674% | 3,964 |
| Return on assets (ROA) | 0.6674% | 4,051 |
| Pretax return on assets | 0.8465% | 4,036 |
| Return on Equity (ROE) | 3.8440% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.8440% | 3,304 |
| Net charge-offs to loans | -0.4509% | 6,073 |
| Credit loss provision to net charge-offs | 134.1463% | 1,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0331% | 2,111 |
| Assets per employee ($millions) | 5.9063% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 2,470 |
| Loan loss allowance to noncurrent loans | 57.7778% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 2,813 |
| Noncurrent loans to loans | 2.4074% | 784 |
| Net loans and leases to total assets | 26.0060% | 5,976 |
| Net loans and leases to deposits | 32.5803% | 5,962 |
| Net loans and leases to core deposits | 33.1857% | 5,974 |
| Total domestic deposits to total assets | 79.8211% | 4,787 |
| Equity capital to assets | 18.0512% | 311 |
| Core capital (leverage) ratio | 16.9907% | 365 |
| Tier 1 risk-based capital ratio | 38.3798% | 254 |
| Total risk-based capital ratio | 39.1874% | 258 |
| Memoranda: | ||
| Average total assets | $36,857,400 | 5,830 |
| Average earning assets | $35,053,800 | 5,783 |
| Average equity | $6,399,600 | 5,358 |
| Average total loans | $9,092,800 | 6,030 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5558% | 4,853 |
| Cost of funding earning assets | 0.5462% | 1,833 |
| Net interest margin | 3.0096% | 5,164 |
| Noninterest income to average assets | 0.2580% | 5,089 |
| Noninterest expense to average assets | 2.1319% | 5,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8133% | 3,369 |
| Return on assets (ROA) | 0.8133% | 3,458 |
| Pretax return on assets | 0.9889% | 3,654 |
| Return on Equity (ROE) | 4.7289% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.7289% | 3,104 |
| Net charge-offs to loans | -0.7088% | 6,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3123% | 3,484 |
| Assets per employee ($millions) | 5.9133% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1928% | 673 |
| Loan loss allowance to noncurrent loans | 94.1176% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 3,119 |
| Noncurrent loans to loans | 2.3298% | 907 |
| Net loans and leases to total assets | 24.1375% | 6,089 |
| Net loans and leases to deposits | 30.3172% | 6,073 |
| Net loans and leases to core deposits | 30.8813% | 6,083 |
| Total domestic deposits to total assets | 79.6167% | 4,826 |
| Equity capital to assets | 18.2835% | 321 |
| Core capital (leverage) ratio | 17.0732% | 376 |
| Tier 1 risk-based capital ratio | 39.8383% | 251 |
| Total risk-based capital ratio | 41.0802% | 252 |
| Memoranda: | ||
| Average total assets | $37,212,250 | 5,901 |
| Average earning assets | $35,396,500 | 5,855 |
| Average equity | $6,400,250 | 5,424 |
| Average total loans | $9,029,500 | 6,113 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6337% | 4,626 |
| Cost of funding earning assets | 0.5398% | 1,908 |
| Net interest margin | 3.0939% | 4,983 |
| Noninterest income to average assets | 0.2699% | 5,022 |
| Noninterest expense to average assets | 2.0111% | 5,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0267% | 2,252 |
| Return on assets (ROA) | 1.0267% | 2,368 |
| Pretax return on assets | 1.2014% | 2,771 |
| Return on Equity (ROE) | 6.0898% | 4,084 |
| Retained earnings to average equity (ytd only) | 6.0898% | 2,179 |
| Net charge-offs to loans | -0.7236% | 6,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6030% | 4,573 |
| Assets per employee ($millions) | 6.0683% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0765% | 884 |
| Loan loss allowance to noncurrent loans | 77.6316% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7635% | 3,097 |
| Noncurrent loans to loans | 2.6748% | 811 |
| Net loans and leases to total assets | 22.9250% | 6,178 |
| Net loans and leases to deposits | 28.4861% | 6,158 |
| Net loans and leases to core deposits | 28.9927% | 6,171 |
| Total domestic deposits to total assets | 80.4779% | 4,753 |
| Equity capital to assets | 17.4677% | 378 |
| Core capital (leverage) ratio | 16.2584% | 437 |
| Tier 1 risk-based capital ratio | 39.8646% | 265 |
| Total risk-based capital ratio | 41.0165% | 262 |
| Memoranda: | ||
| Average total assets | $37,789,670 | 5,949 |
| Average earning assets | $35,941,670 | 5,906 |
| Average equity | $6,371,330 | 5,475 |
| Average total loans | $9,120,670 | 6,180 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4304% | 5,143 |
| Cost of funding earning assets | 0.5244% | 2,060 |
| Net interest margin | 2.9060% | 5,440 |
| Noninterest income to average assets | 0.2079% | 5,466 |
| Noninterest expense to average assets | 1.9543% | 5,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8524% | 2,996 |
| Return on assets (ROA) | 0.8524% | 3,114 |
| Pretax return on assets | 1.0187% | 3,426 |
| Return on Equity (ROE) | 5.1435% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.1435% | 2,972 |
| Net charge-offs to loans | -0.6795% | 6,283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7343% | 4,202 |
| Assets per employee ($millions) | 6.3382% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 1,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 5,427 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 25.0046% | 6,195 |
| Net loans and leases to deposits | 30.8473% | 6,180 |
| Net loans and leases to core deposits | 31.3683% | 6,197 |
| Total domestic deposits to total assets | 81.0592% | 4,809 |
| Equity capital to assets | 17.0054% | 426 |
| Core capital (leverage) ratio | 14.9655% | 616 |
| Tier 1 risk-based capital ratio | 35.4398% | 348 |
| Total risk-based capital ratio | 35.4952% | 380 |
| Memoranda: | ||
| Average total assets | $38,479,500 | 5,997 |
| Average earning assets | $36,614,000 | 5,949 |
| Average equity | $6,377,000 | 5,519 |
| Average total loans | $9,419,000 | 6,244 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 5,110 |
| Cost of funding earning assets | 0.6250% | 1,574 |
| Net interest margin | 2.9635% | 5,524 |
| Noninterest income to average assets | 0.6603% | 2,503 |
| Noninterest expense to average assets | 2.3788% | 4,898 |
| Loan and lease loss provision to assets | -0.3518% | 6,401 |
| Net operating income to assets | 0.6159% | 4,294 |
| Return on assets (ROA) | 0.6333% | 4,324 |
| Pretax return on assets | 1.4451% | 1,738 |
| Return on Equity (ROE) | 3.8192% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.8192% | 3,498 |
| Net charge-offs to loans | -1.7103% | 6,463 |
| Credit loss provision to net charge-offs | 97.7444% | 2,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0495% | 3,703 |
| Assets per employee ($millions) | 6.4883% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 2,190 |
| Loan loss allowance to noncurrent loans | 1,440.0000% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 5,406 |
| Noncurrent loans to loans | 0.1091% | 5,461 |
| Net loans and leases to total assets | 23.1826% | 6,330 |
| Net loans and leases to deposits | 28.2836% | 6,316 |
| Net loans and leases to core deposits | 28.7411% | 6,324 |
| Total domestic deposits to total assets | 81.9651% | 4,434 |
| Equity capital to assets | 16.1495% | 515 |
| Core capital (leverage) ratio | 14.8247% | 643 |
| Tier 1 risk-based capital ratio | 17.0480% | 2,494 |
| Total risk-based capital ratio | 17.4693% | 2,793 |
| Memoranda: | ||
| Average total assets | $36,951,600 | 6,108 |
| Average earning assets | $34,722,000 | 6,069 |
| Average equity | $6,127,000 | 5,591 |
| Average total loans | $7,776,200 | 6,379 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6269% | 5,077 |
| Cost of funding earning assets | 0.6435% | 1,500 |
| Net interest margin | 2.9834% | 5,529 |
| Noninterest income to average assets | 0.0768% | 6,317 |
| Noninterest expense to average assets | 2.2711% | 5,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6034% | 4,431 |
| Return on assets (ROA) | 0.6473% | 4,322 |
| Pretax return on assets | 0.6473% | 4,884 |
| Return on Equity (ROE) | 3.8770% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.8770% | 3,892 |
| Net charge-offs to loans | -2.1181% | 6,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0076% | 2,054 |
| Assets per employee ($millions) | 6.5537% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4686% | 235 |
| Loan loss allowance to noncurrent loans | 12,950.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 5,201 |
| Noncurrent loans to loans | 0.0268% | 5,917 |
| Net loans and leases to total assets | 18.3307% | 6,470 |
| Net loans and leases to deposits | 22.3379% | 6,470 |
| Net loans and leases to core deposits | 22.6952% | 6,465 |
| Total domestic deposits to total assets | 82.0609% | 4,459 |
| Equity capital to assets | 16.0597% | 554 |
| Core capital (leverage) ratio | 14.9935% | 617 |
| Tier 1 risk-based capital ratio | 16.5367% | 2,803 |
| Total risk-based capital ratio | 17.3135% | 2,982 |
| Memoranda: | ||
| Average total assets | $36,457,000 | 6,188 |
| Average earning assets | $34,187,750 | 6,155 |
| Average equity | $6,087,000 | 5,657 |
| Average total loans | $7,428,000 | 6,460 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7856% | 4,572 |
| Cost of funding earning assets | 0.6751% | 1,340 |
| Net interest margin | 3.1105% | 5,225 |
| Noninterest income to average assets | 0.0789% | 6,353 |
| Noninterest expense to average assets | 2.3492% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6366% | 4,174 |
| Return on assets (ROA) | 0.6760% | 4,064 |
| Pretax return on assets | 0.6760% | 4,722 |
| Return on Equity (ROE) | 3.9927% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.9927% | 3,641 |
| Net charge-offs to loans | -2.7242% | 6,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6792% | 2,207 |
| Assets per employee ($millions) | 5.9417% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2036% | 305 |
| Loan loss allowance to noncurrent loans | 12,100.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 4,931 |
| Noncurrent loans to loans | 0.0265% | 5,989 |
| Net loans and leases to total assets | 20.5105% | 6,500 |
| Net loans and leases to deposits | 25.5361% | 6,498 |
| Net loans and leases to core deposits | 25.9936% | 6,491 |
| Total domestic deposits to total assets | 80.3198% | 5,172 |
| Equity capital to assets | 17.5933% | 357 |
| Core capital (leverage) ratio | 15.0800% | 596 |
| Tier 1 risk-based capital ratio | 18.1031% | 2,205 |
| Total risk-based capital ratio | 18.9059% | 2,340 |
| Memoranda: | ||
| Average total assets | $35,502,000 | 6,281 |
| Average earning assets | $33,178,000 | 6,244 |
| Average equity | $6,011,000 | 5,717 |
| Average total loans | $7,415,000 | 6,523 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 4,022 |
| Cost of funding earning assets | 0.6786% | 1,374 |
| Net interest margin | 3.2356% | 4,794 |
| Noninterest income to average assets | 0.0677% | 6,431 |
| Noninterest expense to average assets | 2.4726% | 4,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6097% | 4,155 |
| Return on assets (ROA) | 0.6210% | 4,176 |
| Pretax return on assets | 0.6210% | 4,764 |
| Return on Equity (ROE) | 3.7412% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.7412% | 3,886 |
| Net charge-offs to loans | -2.7228% | 6,671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2198% | 2,177 |
| Assets per employee ($millions) | 5.1137% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4368% | 867 |
| Loan loss allowance to noncurrent loans | 6,366.6667% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 4,636 |
| Noncurrent loans to loans | 0.0383% | 6,034 |
| Net loans and leases to total assets | 21.3627% | 6,555 |
| Net loans and leases to deposits | 26.3299% | 6,538 |
| Net loans and leases to core deposits | 26.7949% | 6,539 |
| Total domestic deposits to total assets | 81.1348% | 5,196 |
| Equity capital to assets | 16.8147% | 419 |
| Core capital (leverage) ratio | 14.7786% | 628 |
| Tier 1 risk-based capital ratio | 17.1576% | 2,614 |
| Total risk-based capital ratio | 17.7786% | 2,853 |
| Memoranda: | ||
| Average total assets | $35,428,000 | 6,346 |
| Average earning assets | $33,007,500 | 6,313 |
| Average equity | $5,880,500 | 5,777 |
| Average total loans | $7,345,500 | 6,594 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8210% | 4,736 |
| Cost of funding earning assets | 0.7438% | 1,538 |
| Net interest margin | 3.0772% | 5,385 |
| Noninterest income to average assets | -0.0223% | 6,680 |
| Noninterest expense to average assets | 2.2553% | 5,488 |
| Loan and lease loss provision to assets | -0.5024% | 6,743 |
| Net operating income to assets | 0.5273% | 4,608 |
| Return on assets (ROA) | 0.5220% | 4,765 |
| Pretax return on assets | 1.0802% | 3,027 |
| Return on Equity (ROE) | 3.0884% | 5,469 |
| Retained earnings to average equity (ytd only) | 3.0884% | 4,036 |
| Net charge-offs to loans | -1.6417% | 6,768 |
| Credit loss provision to net charge-offs | 148.7603% | 1,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3713% | 2,259 |
| Assets per employee ($millions) | 5.0086% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0575% | 1,428 |
| Loan loss allowance to noncurrent loans | 7,050.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 4,704 |
| Noncurrent loans to loans | 0.0292% | 6,166 |
| Net loans and leases to total assets | 19.1443% | 6,678 |
| Net loans and leases to deposits | 23.4792% | 6,674 |
| Net loans and leases to core deposits | 23.4792% | 6,680 |
| Total domestic deposits to total assets | 81.5374% | 5,030 |
| Equity capital to assets | 16.3776% | 468 |
| Core capital (leverage) ratio | 14.1901% | 773 |
| Tier 1 risk-based capital ratio | 17.0031% | 2,603 |
| Total risk-based capital ratio | 17.4743% | 2,952 |
| Memoranda: | ||
| Average total assets | $35,826,400 | 6,397 |
| Average earning assets | $33,342,000 | 6,364 |
| Average equity | $6,055,000 | 5,814 |
| Average total loans | $7,370,400 | 6,672 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7936% | 4,877 |
| Cost of funding earning assets | 0.7516% | 1,599 |
| Net interest margin | 3.0420% | 5,485 |
| Noninterest income to average assets | 0.0296% | 6,676 |
| Noninterest expense to average assets | 2.0508% | 5,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8107% | 3,292 |
| Return on assets (ROA) | 0.7996% | 3,480 |
| Pretax return on assets | 0.7996% | 4,292 |
| Return on Equity (ROE) | 4.6956% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.6956% | 3,316 |
| Net charge-offs to loans | -2.6845% | 6,850 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6688% | 3,467 |
| Assets per employee ($millions) | 7.2634% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0143% | 113 |
| Loan loss allowance to noncurrent loans | 731.2500% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 4,353 |
| Noncurrent loans to loans | 0.6857% | 4,482 |
| Net loans and leases to total assets | 18.3082% | 6,766 |
| Net loans and leases to deposits | 22.4280% | 6,771 |
| Net loans and leases to core deposits | 22.4280% | 6,774 |
| Total domestic deposits to total assets | 81.6312% | 5,048 |
| Equity capital to assets | 16.3477% | 488 |
| Core capital (leverage) ratio | 13.8542% | 903 |
| Tier 1 risk-based capital ratio | 16.4422% | 2,966 |
| Total risk-based capital ratio | 17.5923% | 2,986 |
| Memoranda: | ||
| Average total assets | $36,018,000 | 6,463 |
| Average earning assets | $33,529,250 | 6,435 |
| Average equity | $6,133,250 | 5,856 |
| Average total loans | $7,499,750 | 6,744 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 5,166 |
| Cost of funding earning assets | 0.7635% | 1,631 |
| Net interest margin | 2.9286% | 5,728 |
| Noninterest income to average assets | 0.0111% | 6,769 |
| Noninterest expense to average assets | 2.0213% | 6,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7239% | 3,698 |
| Return on assets (ROA) | 0.7239% | 3,868 |
| Pretax return on assets | 0.7239% | 4,596 |
| Return on Equity (ROE) | 4.1944% | 5,138 |
| Retained earnings to average equity (ytd only) | 4.1944% | 3,623 |
| Net charge-offs to loans | -2.5305% | 6,895 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6308% | 3,195 |
| Assets per employee ($millions) | 6.1227% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0217% | 253 |
| Loan loss allowance to noncurrent loans | 618.7500% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 4,453 |
| Noncurrent loans to loans | 0.6500% | 4,643 |
| Net loans and leases to total assets | 19.2944% | 6,805 |
| Net loans and leases to deposits | 23.5921% | 6,808 |
| Net loans and leases to core deposits | 23.5921% | 6,814 |
| Total domestic deposits to total assets | 81.7835% | 5,120 |
| Equity capital to assets | 16.2184% | 499 |
| Core capital (leverage) ratio | 13.2194% | 1,086 |
| Tier 1 risk-based capital ratio | 16.3581% | 3,003 |
| Total risk-based capital ratio | 17.3365% | 3,085 |
| Memoranda: | ||
| Average total assets | $35,918,330 | 6,511 |
| Average earning assets | $33,531,330 | 6,484 |
| Average equity | $6,198,670 | 5,880 |
| Average total loans | $7,666,330 | 6,783 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7136% | 5,116 |
| Cost of funding earning assets | 0.8078% | 1,484 |
| Net interest margin | 2.9058% | 5,799 |
| Noninterest income to average assets | 0.1014% | 6,572 |
| Noninterest expense to average assets | 2.1177% | 5,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6984% | 3,694 |
| Return on assets (ROA) | 0.6984% | 3,835 |
| Pretax return on assets | 0.6984% | 4,589 |
| Return on Equity (ROE) | 3.9247% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.9247% | 3,879 |
| Net charge-offs to loans | -4.3551% | 6,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2000% | 3,060 |
| Assets per employee ($millions) | 6.3018% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7124% | 355 |
| Loan loss allowance to noncurrent loans | 558.8235% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 4,114 |
| Noncurrent loans to loans | 0.6643% | 4,793 |
| Net loans and leases to total assets | 19.5499% | 6,863 |
| Net loans and leases to deposits | 24.0570% | 6,855 |
| Net loans and leases to core deposits | 24.0570% | 6,864 |
| Total domestic deposits to total assets | 81.2647% | 5,429 |
| Equity capital to assets | 16.8152% | 445 |
| Core capital (leverage) ratio | 14.1483% | 758 |
| Tier 1 risk-based capital ratio | 17.3935% | 2,605 |
| Total risk-based capital ratio | 18.3707% | 2,671 |
| Memoranda: | ||
| Average total assets | $35,509,500 | 6,582 |
| Average earning assets | $33,175,000 | 6,549 |
| Average equity | $6,319,000 | 5,907 |
| Average total loans | $7,807,000 | 6,852 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3231% | 4,113 |
| Cost of funding earning assets | 0.9401% | 1,708 |
| Net interest margin | 3.3830% | 4,947 |
| Noninterest income to average assets | -0.0030% | 6,841 |
| Noninterest expense to average assets | 2.4245% | 5,343 |
| Loan and lease loss provision to assets | -0.3798% | 7,027 |
| Net operating income to assets | 1.0573% | 2,091 |
| Return on assets (ROA) | 1.1545% | 1,918 |
| Pretax return on assets | 1.1545% | 2,974 |
| Return on Equity (ROE) | 6.3537% | 3,987 |
| Retained earnings to average equity (ytd only) | 6.3537% | 1,898 |
| Net charge-offs to loans | -1.1074% | 7,027 |
| Credit loss provision to net charge-offs | 131.5789% | 2,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1587% | 2,424 |
| Assets per employee ($millions) | 5.5347% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5198% | 1,108 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.7225% | 2,812 |
| Noncurrent loans to loans | 2.7718% | 1,904 |
| Net loans and leases to total assets | 23.2986% | 6,872 |
| Net loans and leases to deposits | 29.5260% | 6,841 |
| Net loans and leases to core deposits | 30.2179% | 6,842 |
| Total domestic deposits to total assets | 78.9087% | 5,908 |
| Equity capital to assets | 18.9111% | 275 |
| Core capital (leverage) ratio | 15.2278% | 537 |
| Tier 1 risk-based capital ratio | 18.4451% | 2,120 |
| Total risk-based capital ratio | 19.1673% | 2,255 |
| Memoranda: | ||
| Average total assets | $32,913,800 | 6,683 |
| Average earning assets | $30,210,000 | 6,658 |
| Average equity | $5,980,800 | 6,031 |
| Average total loans | $8,578,600 | 6,899 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3246% | 4,349 |
| Cost of funding earning assets | 0.9492% | 1,855 |
| Net interest margin | 3.3754% | 5,116 |
| Noninterest income to average assets | -0.0244% | 6,976 |
| Noninterest expense to average assets | 2.1965% | 5,962 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8688% | 3,135 |
| Return on assets (ROA) | 0.8688% | 3,380 |
| Pretax return on assets | 0.8688% | 4,227 |
| Return on Equity (ROE) | 4.8312% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.8312% | 3,486 |
| Net charge-offs to loans | -1.1901% | 7,122 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6556% | 3,383 |
| Assets per employee ($millions) | 5.5725% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7644% | 372 |
| Loan loss allowance to noncurrent loans | 134.4978% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.9919% | 2,649 |
| Noncurrent loans to loans | 2.7988% | 2,011 |
| Net loans and leases to total assets | 23.5502% | 6,977 |
| Net loans and leases to deposits | 29.7469% | 6,957 |
| Net loans and leases to core deposits | 30.4368% | 6,963 |
| Total domestic deposits to total assets | 79.1685% | 5,828 |
| Equity capital to assets | 18.4029% | 333 |
| Core capital (leverage) ratio | 14.6293% | 681 |
| Tier 1 risk-based capital ratio | 17.8275% | 2,413 |
| Total risk-based capital ratio | 18.9379% | 2,436 |
| Memoranda: | ||
| Average total assets | $32,840,250 | 6,769 |
| Average earning assets | $30,059,750 | 6,746 |
| Average equity | $5,906,000 | 6,112 |
| Average total loans | $8,739,000 | 6,988 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 4,308 |
| Cost of funding earning assets | 0.9598% | 1,997 |
| Net interest margin | 3.4097% | 5,043 |
| Noninterest income to average assets | 0.1164% | 6,605 |
| Noninterest expense to average assets | 2.1077% | 6,217 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1213% | 1,974 |
| Return on assets (ROA) | 1.1213% | 2,191 |
| Pretax return on assets | 1.1213% | 3,230 |
| Return on Equity (ROE) | 6.2847% | 4,168 |
| Retained earnings to average equity (ytd only) | 6.2847% | 2,510 |
| Net charge-offs to loans | -0.9636% | 7,178 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2751% | 4,671 |
| Assets per employee ($millions) | 5.6123% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9361% | 835 |
| Loan loss allowance to noncurrent loans | 152.5140% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 1.9332% | 2,869 |
| Noncurrent loans to loans | 1.9251% | 3,038 |
| Net loans and leases to total assets | 26.8011% | 6,958 |
| Net loans and leases to deposits | 33.5029% | 6,932 |
| Net loans and leases to core deposits | 34.2661% | 6,953 |
| Total domestic deposits to total assets | 79.9964% | 5,742 |
| Equity capital to assets | 17.8238% | 358 |
| Core capital (leverage) ratio | 14.2044% | 756 |
| Tier 1 risk-based capital ratio | 17.2873% | 2,551 |
| Total risk-based capital ratio | 18.2677% | 2,619 |
| Memoranda: | ||
| Average total assets | $32,642,000 | 6,826 |
| Average earning assets | $29,797,000 | 6,800 |
| Average equity | $5,823,670 | 6,164 |
| Average total loans | $8,924,670 | 7,043 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 4,748 |
| Cost of funding earning assets | 0.9686% | 2,172 |
| Net interest margin | 3.3287% | 5,371 |
| Noninterest income to average assets | 0.1245% | 6,631 |
| Noninterest expense to average assets | 2.1416% | 6,173 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0210% | 2,396 |
| Return on assets (ROA) | 1.0210% | 2,589 |
| Pretax return on assets | 1.0210% | 3,602 |
| Return on Equity (ROE) | 5.7198% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.7198% | 3,133 |
| Net charge-offs to loans | -1.9226% | 7,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7165% | 4,224 |
| Assets per employee ($millions) | 5.5662% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8134% | 993 |
| Loan loss allowance to noncurrent loans | 136.6834% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 2.0152% | 2,874 |
| Noncurrent loans to loans | 2.0583% | 3,080 |
| Net loans and leases to total assets | 28.1343% | 6,976 |
| Net loans and leases to deposits | 34.9736% | 6,920 |
| Net loans and leases to core deposits | 35.7725% | 6,947 |
| Total domestic deposits to total assets | 80.4444% | 5,741 |
| Equity capital to assets | 17.3758% | 386 |
| Core capital (leverage) ratio | 14.4669% | 697 |
| Tier 1 risk-based capital ratio | 17.4817% | 2,483 |
| Total risk-based capital ratio | 18.4986% | 2,551 |
| Memoranda: | ||
| Average total assets | $32,126,000 | 6,892 |
| Average earning assets | $29,321,000 | 6,871 |
| Average equity | $5,734,500 | 6,216 |
| Average total loans | $8,738,000 | 7,109 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 4,876 |
| Cost of funding earning assets | 1.2046% | 1,999 |
| Net interest margin | 3.3448% | 5,667 |
| Noninterest income to average assets | 0.3197% | 5,255 |
| Noninterest expense to average assets | 3.6442% | 1,651 |
| Loan and lease loss provision to assets | -0.9787% | 7,349 |
| Net operating income to assets | 0.6166% | 3,907 |
| Return on assets (ROA) | 0.7699% | 3,337 |
| Pretax return on assets | 0.7699% | 4,081 |
| Return on Equity (ROE) | 4.3642% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.3642% | 3,071 |
| Net charge-offs to loans | -2.6556% | 7,313 |
| Credit loss provision to net charge-offs | 138.2488% | 2,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0338% | 416 |
| Assets per employee ($millions) | 5.1425% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9457% | 852 |
| Loan loss allowance to noncurrent loans | 113.3005% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 2.4080% | 2,526 |
| Noncurrent loans to loans | 2.5999% | 2,515 |
| Net loans and leases to total assets | 24.5600% | 7,148 |
| Net loans and leases to deposits | 30.9787% | 7,113 |
| Net loans and leases to core deposits | 31.7576% | 7,121 |
| Total domestic deposits to total assets | 79.2805% | 5,924 |
| Equity capital to assets | 18.3633% | 324 |
| Core capital (leverage) ratio | 14.3773% | 739 |
| Tier 1 risk-based capital ratio | 19.0231% | 1,881 |
| Total risk-based capital ratio | 20.0086% | 1,932 |
| Memoranda: | ||
| Average total assets | $30,651,400 | 6,951 |
| Average earning assets | $27,146,600 | 6,957 |
| Average equity | $5,407,600 | 6,323 |
| Average total loans | $8,171,400 | 7,178 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 5,072 |
| Cost of funding earning assets | 1.2488% | 2,003 |
| Net interest margin | 3.3054% | 5,845 |
| Noninterest income to average assets | 0.9411% | 1,512 |
| Noninterest expense to average assets | 2.7537% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0936% | 1,993 |
| Return on assets (ROA) | 1.2984% | 1,470 |
| Pretax return on assets | 1.2984% | 2,291 |
| Return on Equity (ROE) | 7.4363% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.4363% | 1,744 |
| Net charge-offs to loans | -4.5346% | 7,392 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5742% | 3,642 |
| Assets per employee ($millions) | 5.3018% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4651% | 38 |
| Loan loss allowance to noncurrent loans | 216.0000% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 3.0744% | 2,083 |
| Noncurrent loans to loans | 3.4561% | 1,987 |
| Net loans and leases to total assets | 23.1461% | 7,242 |
| Net loans and leases to deposits | 28.8372% | 7,233 |
| Net loans and leases to core deposits | 29.5311% | 7,237 |
| Total domestic deposits to total assets | 80.2647% | 5,655 |
| Equity capital to assets | 18.0284% | 386 |
| Core capital (leverage) ratio | 14.4041% | 791 |
| Tier 1 risk-based capital ratio | 19.3005% | 1,856 |
| Total risk-based capital ratio | 20.5649% | 1,819 |
| Memoranda: | ||
| Average total assets | $30,600,500 | 7,020 |
| Average earning assets | $26,904,750 | 7,033 |
| Average equity | $5,343,000 | 6,392 |
| Average total loans | $8,262,250 | 7,244 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 5,379 |
| Cost of funding earning assets | 1.2915% | 1,996 |
| Net interest margin | 3.2023% | 6,155 |
| Noninterest income to average assets | 1.3842% | 665 |
| Noninterest expense to average assets | 2.6360% | 5,055 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5564% | 796 |
| Return on assets (ROA) | 1.8677% | 460 |
| Pretax return on assets | 1.8677% | 758 |
| Return on Equity (ROE) | 10.8205% | 1,859 |
| Retained earnings to average equity (ytd only) | 10.8205% | 698 |
| Net charge-offs to loans | -5.3085% | 7,467 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8752% | 5,421 |
| Assets per employee ($millions) | 5.2390% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8687% | 57 |
| Loan loss allowance to noncurrent loans | 163.1098% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 3.2799% | 2,036 |
| Noncurrent loans to loans | 4.2111% | 1,616 |
| Net loans and leases to total assets | 23.0769% | 7,328 |
| Net loans and leases to deposits | 28.6278% | 7,321 |
| Net loans and leases to core deposits | 29.3221% | 7,326 |
| Total domestic deposits to total assets | 80.6102% | 5,644 |
| Equity capital to assets | 17.6210% | 415 |
| Core capital (leverage) ratio | 14.7163% | 724 |
| Tier 1 risk-based capital ratio | 20.4410% | 1,524 |
| Total risk-based capital ratio | 21.7074% | 1,493 |
| Memoranda: | ||
| Average total assets | $30,197,000 | 7,100 |
| Average earning assets | $26,481,330 | 7,112 |
| Average equity | $5,212,330 | 6,461 |
| Average total loans | $8,364,000 | 7,307 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5324% | 5,235 |
| Cost of funding earning assets | 1.3239% | 2,049 |
| Net interest margin | 3.2085% | 6,045 |
| Noninterest income to average assets | 1.7175% | 462 |
| Noninterest expense to average assets | 3.0292% | 3,522 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4740% | 924 |
| Return on assets (ROA) | 2.1096% | 306 |
| Pretax return on assets | 2.1096% | 463 |
| Return on Equity (ROE) | 12.3589% | 1,365 |
| Retained earnings to average equity (ytd only) | 12.3589% | 686 |
| Net charge-offs to loans | -7.8137% | 7,527 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2673% | 4,796 |
| Assets per employee ($millions) | 5.1148% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7001% | 121 |
| Loan loss allowance to noncurrent loans | 150.1558% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 3.6234% | 1,874 |
| Noncurrent loans to loans | 3.7961% | 1,930 |
| Net loans and leases to total assets | 25.9833% | 7,343 |
| Net loans and leases to deposits | 31.9190% | 7,323 |
| Net loans and leases to core deposits | 33.2070% | 7,322 |
| Total domestic deposits to total assets | 81.4038% | 5,532 |
| Equity capital to assets | 16.8008% | 464 |
| Core capital (leverage) ratio | 13.8034% | 894 |
| Tier 1 risk-based capital ratio | 18.0546% | 2,096 |
| Total risk-based capital ratio | 19.3149% | 2,062 |
| Memoranda: | ||
| Average total assets | $29,578,500 | 7,162 |
| Average earning assets | $25,682,000 | 7,181 |
| Average equity | $5,049,000 | 6,542 |
| Average total loans | $8,651,500 | 7,355 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9402% | 4,832 |
| Cost of funding earning assets | 1.5364% | 2,431 |
| Net interest margin | 3.4037% | 5,621 |
| Noninterest income to average assets | -0.9832% | 7,622 |
| Noninterest expense to average assets | 2.9835% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -1.0274% | 6,697 |
| Return on assets (ROA) | -1.0274% | 6,734 |
| Pretax return on assets | -1.0274% | 6,660 |
| Return on Equity (ROE) | -5.6161% | 6,474 |
| Retained earnings to average equity (ytd only) | -5.6161% | 6,349 |
| Net charge-offs to loans | 0.5547% | 3,399 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -5.3929% | 6,778 |
| Efficiency ratio | 152.5217% | 201 |
| Assets per employee ($millions) | 4.7447% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5379% | 584 |
| Loan loss allowance to noncurrent loans | 36.0184% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 5.7503% | 1,057 |
| Noncurrent loans to loans | 9.8225% | 438 |
| Net loans and leases to total assets | 29.9775% | 7,357 |
| Net loans and leases to deposits | 37.1383% | 7,323 |
| Net loans and leases to core deposits | 38.7750% | 7,330 |
| Total domestic deposits to total assets | 80.7187% | 5,616 |
| Equity capital to assets | 17.3598% | 418 |
| Core capital (leverage) ratio | 12.7804% | 1,207 |
| Tier 1 risk-based capital ratio | 16.1402% | 2,678 |
| Total risk-based capital ratio | 17.3940% | 2,635 |
| Memoranda: | ||
| Average total assets | $29,394,800 | 7,228 |
| Average earning assets | $25,383,800 | 7,246 |
| Average equity | $5,377,400 | 6,542 |
| Average total loans | $10,094,800 | 7,390 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9185% | 5,185 |
| Cost of funding earning assets | 1.5631% | 2,592 |
| Net interest margin | 3.3554% | 5,827 |
| Noninterest income to average assets | 0.1935% | 6,502 |
| Noninterest expense to average assets | 2.8307% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2610% | 5,311 |
| Return on assets (ROA) | 0.2610% | 5,466 |
| Pretax return on assets | 0.2610% | 5,585 |
| Return on Equity (ROE) | 1.4095% | 5,791 |
| Retained earnings to average equity (ytd only) | 1.4095% | 5,240 |
| Net charge-offs to loans | -0.1665% | 7,607 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5575% | 1,161 |
| Assets per employee ($millions) | 4.2561% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9003% | 400 |
| Loan loss allowance to noncurrent loans | 37.1957% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 7.8844% | 641 |
| Noncurrent loans to loans | 10.4860% | 385 |
| Net loans and leases to total assets | 31.5913% | 7,425 |
| Net loans and leases to deposits | 39.8966% | 7,374 |
| Net loans and leases to core deposits | 41.6074% | 7,390 |
| Total domestic deposits to total assets | 79.1830% | 5,976 |
| Equity capital to assets | 19.0380% | 346 |
| Core capital (leverage) ratio | 14.4388% | 827 |
| Tier 1 risk-based capital ratio | 18.6483% | 1,833 |
| Total risk-based capital ratio | 19.9033% | 1,800 |
| Memoranda: | ||
| Average total assets | $29,626,500 | 7,305 |
| Average earning assets | $25,590,000 | 7,333 |
| Average equity | $5,486,250 | 6,593 |
| Average total loans | $10,406,750 | 7,473 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0012% | 4,934 |
| Cost of funding earning assets | 1.6227% | 2,530 |
| Net interest margin | 3.3786% | 5,722 |
| Noninterest income to average assets | 0.1826% | 6,604 |
| Noninterest expense to average assets | 2.9083% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1894% | 5,598 |
| Return on assets (ROA) | 0.1894% | 5,719 |
| Pretax return on assets | 0.1894% | 5,792 |
| Return on Equity (ROE) | 1.0324% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.0324% | 5,354 |
| Net charge-offs to loans | -0.0377% | 7,404 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8865% | 1,073 |
| Assets per employee ($millions) | 4.3024% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8123% | 432 |
| Loan loss allowance to noncurrent loans | 36.2927% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 7.7929% | 641 |
| Noncurrent loans to loans | 10.5042% | 406 |
| Net loans and leases to total assets | 31.1651% | 7,505 |
| Net loans and leases to deposits | 38.9703% | 7,468 |
| Net loans and leases to core deposits | 40.6039% | 7,477 |
| Total domestic deposits to total assets | 79.9714% | 5,738 |
| Equity capital to assets | 18.2256% | 393 |
| Core capital (leverage) ratio | 14.2017% | 876 |
| Tier 1 risk-based capital ratio | 19.0176% | 1,718 |
| Total risk-based capital ratio | 20.2756% | 1,675 |
| Memoranda: | ||
| Average total assets | $29,571,000 | 7,361 |
| Average earning assets | $25,513,670 | 7,384 |
| Average equity | $5,424,330 | 6,643 |
| Average total loans | $10,611,000 | 7,524 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2577% | 3,742 |
| Cost of funding earning assets | 1.6787% | 2,488 |
| Net interest margin | 3.5791% | 4,817 |
| Noninterest income to average assets | 0.1911% | 6,596 |
| Noninterest expense to average assets | 2.9763% | 3,763 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3004% | 5,299 |
| Return on assets (ROA) | 0.3004% | 5,430 |
| Pretax return on assets | 0.3004% | 5,602 |
| Return on Equity (ROE) | 1.6320% | 5,911 |
| Retained earnings to average equity (ytd only) | 1.6320% | 5,123 |
| Net charge-offs to loans | -0.0362% | 7,253 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8333% | 1,365 |
| Assets per employee ($millions) | 4.2311% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3339% | 617 |
| Loan loss allowance to noncurrent loans | 35.0662% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 8.0357% | 613 |
| Noncurrent loans to loans | 9.5075% | 464 |
| Net loans and leases to total assets | 36.3191% | 7,415 |
| Net loans and leases to deposits | 45.4995% | 7,346 |
| Net loans and leases to core deposits | 47.4462% | 7,382 |
| Total domestic deposits to total assets | 79.8231% | 5,845 |
| Equity capital to assets | 18.2963% | 396 |
| Core capital (leverage) ratio | 14.2187% | 910 |
| Tier 1 risk-based capital ratio | 17.8871% | 1,973 |
| Total risk-based capital ratio | 19.1415% | 1,942 |
| Memoranda: | ||
| Average total assets | $29,298,000 | 7,461 |
| Average earning assets | $25,258,000 | 7,484 |
| Average equity | $5,392,000 | 6,710 |
| Average total loans | $11,037,500 | 7,594 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 6,154 |
| Cost of funding earning assets | 1.8787% | 3,568 |
| Net interest margin | 3.2046% | 6,073 |
| Noninterest income to average assets | -1.0424% | 7,991 |
| Noninterest expense to average assets | 3.6034% | 2,135 |
| Loan and lease loss provision to assets | 6.8271% | 70 |
| Net operating income to assets | -5.1917% | 7,765 |
| Return on assets (ROA) | -5.1853% | 7,756 |
| Pretax return on assets | -8.6055% | 7,935 |
| Return on Equity (ROE) | -26.2386% | 7,319 |
| Retained earnings to average equity (ytd only) | -26.2386% | 7,293 |
| Net charge-offs to loans | 18.3851% | 6 |
| Credit loss provision to net charge-offs | 83.8446% | 6,192 |
| Earnings coverage of net charge-offs (x) | -0.2196% | 6,472 |
| Efficiency ratio | 198.5321% | 144 |
| Assets per employee ($millions) | 3.6223% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3708% | 588 |
| Loan loss allowance to noncurrent loans | 33.3635% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 8.3788% | 512 |
| Noncurrent loans to loans | 10.1032% | 406 |
| Net loans and leases to total assets | 36.5036% | 7,503 |
| Net loans and leases to deposits | 45.9773% | 7,442 |
| Net loans and leases to core deposits | 53.5839% | 7,486 |
| Total domestic deposits to total assets | 79.3947% | 5,876 |
| Equity capital to assets | 18.5140% | 407 |
| Core capital (leverage) ratio | 14.4053% | 901 |
| Tier 1 risk-based capital ratio | 18.2534% | 1,827 |
| Total risk-based capital ratio | 19.5106% | 1,777 |
| Memoranda: | ||
| Average total assets | $30,027,400 | 7,469 |
| Average earning assets | $26,774,000 | 7,470 |
| Average equity | $5,934,000 | 6,626 |
| Average total loans | $13,298,800 | 7,533 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4259% | 4,821 |
| Cost of funding earning assets | 1.9081% | 3,842 |
| Net interest margin | 3.5178% | 4,794 |
| Noninterest income to average assets | -1.4614% | 8,083 |
| Noninterest expense to average assets | 3.5391% | 2,173 |
| Loan and lease loss provision to assets | 5.5023% | 137 |
| Net operating income to assets | -7.3378% | 7,990 |
| Return on assets (ROA) | -7.3246% | 7,990 |
| Pretax return on assets | -7.3246% | 7,974 |
| Return on Equity (ROE) | -36.5128% | 7,719 |
| Retained earnings to average equity (ytd only) | -36.5128% | 7,710 |
| Net charge-offs to loans | 12.8944% | 26 |
| Credit loss provision to net charge-offs | 93.0752% | 5,402 |
| Earnings coverage of net charge-offs (x) | -0.3105% | 6,365 |
| Efficiency ratio | 207.7519% | 135 |
| Assets per employee ($millions) | 3.6403% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3398% | 112 |
| Loan loss allowance to noncurrent loans | 31.8765% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 11.2286% | 266 |
| Noncurrent loans to loans | 16.7516% | 110 |
| Net loans and leases to total assets | 40.8454% | 7,417 |
| Net loans and leases to deposits | 51.3091% | 7,342 |
| Net loans and leases to core deposits | 59.7079% | 7,412 |
| Total domestic deposits to total assets | 79.6065% | 5,590 |
| Equity capital to assets | 18.2577% | 488 |
| Core capital (leverage) ratio | 17.3176% | 512 |
| Tier 1 risk-based capital ratio | 21.7987% | 1,245 |
| Total risk-based capital ratio | 23.0707% | 1,224 |
| Memoranda: | ||
| Average total assets | $30,289,750 | 7,528 |
| Average earning assets | $27,251,500 | 7,523 |
| Average equity | $6,076,250 | 6,639 |
| Average total loans | $13,886,750 | 7,573 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2016% | 6,073 |
| Cost of funding earning assets | 1.9352% | 4,089 |
| Net interest margin | 3.2665% | 5,681 |
| Noninterest income to average assets | -1.3103% | 8,168 |
| Noninterest expense to average assets | 3.3313% | 2,848 |
| Loan and lease loss provision to assets | 8.1489% | 70 |
| Net operating income to assets | -9.8634% | 8,116 |
| Return on assets (ROA) | -9.8439% | 8,111 |
| Pretax return on assets | -9.8439% | 8,099 |
| Return on Equity (ROE) | -47.7144% | 7,902 |
| Retained earnings to average equity (ytd only) | -47.7144% | 7,896 |
| Net charge-offs to loans | 17.5752% | 17 |
| Credit loss provision to net charge-offs | 99.2851% | 4,638 |
| Earnings coverage of net charge-offs (x) | -0.2089% | 5,894 |
| Efficiency ratio | 206.0484% | 184 |
| Assets per employee ($millions) | 4.2569% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8400% | 84 |
| Loan loss allowance to noncurrent loans | 39.9049% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 10.1550% | 282 |
| Noncurrent loans to loans | 14.6349% | 143 |
| Net loans and leases to total assets | 40.8517% | 7,511 |
| Net loans and leases to deposits | 51.1363% | 7,425 |
| Net loans and leases to core deposits | 59.2274% | 7,479 |
| Total domestic deposits to total assets | 79.8879% | 5,511 |
| Equity capital to assets | 17.9878% | 551 |
| Core capital (leverage) ratio | 16.7123% | 651 |
| Tier 1 risk-based capital ratio | 22.1051% | 1,238 |
| Total risk-based capital ratio | 23.3782% | 1,204 |
| Memoranda: | ||
| Average total assets | $30,679,000 | 7,578 |
| Average earning assets | $27,491,330 | 7,580 |
| Average equity | $6,329,330 | 6,599 |
| Average total loans | $14,327,000 | 7,629 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 6,775 |
| Cost of funding earning assets | 1.9616% | 4,325 |
| Net interest margin | 3.0928% | 6,224 |
| Noninterest income to average assets | 0.2442% | 6,503 |
| Noninterest expense to average assets | 3.0335% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0129% | 6,278 |
| Return on assets (ROA) | 0.0257% | 6,347 |
| Pretax return on assets | 0.0257% | 6,330 |
| Return on Equity (ROE) | 0.1174% | 6,387 |
| Retained earnings to average equity (ytd only) | 0.1174% | 5,614 |
| Net charge-offs to loans | -0.0799% | 7,824 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4255% | 1,113 |
| Assets per employee ($millions) | 4.4454% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1459% | 100 |
| Loan loss allowance to noncurrent loans | 23.9912% | 6,962 |
| Noncurrent assets plus other real estate owned to assets | 13.2303% | 116 |
| Noncurrent loans to loans | 21.4492% | 37 |
| Net loans and leases to total assets | 45.4335% | 7,230 |
| Net loans and leases to deposits | 59.7397% | 6,913 |
| Net loans and leases to core deposits | 69.1683% | 7,070 |
| Total domestic deposits to total assets | 76.0524% | 6,500 |
| Equity capital to assets | 21.8587% | 310 |
| Core capital (leverage) ratio | 21.5551% | 327 |
| Tier 1 risk-based capital ratio | 26.7692% | 831 |
| Total risk-based capital ratio | 28.0410% | 815 |
| Memoranda: | ||
| Average total assets | $31,119,500 | 7,602 |
| Average earning assets | $27,936,000 | 7,613 |
| Average equity | $6,814,000 | 6,473 |
| Average total loans | $15,026,500 | 7,631 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7045% | 6,765 |
| Cost of funding earning assets | 2.2825% | 5,236 |
| Net interest margin | 3.4220% | 5,572 |
| Noninterest income to average assets | 0.6362% | 3,590 |
| Noninterest expense to average assets | 3.6730% | 2,001 |
| Loan and lease loss provision to assets | 7.8085% | 29 |
| Net operating income to assets | -6.4535% | 8,172 |
| Return on assets (ROA) | -6.4508% | 8,167 |
| Pretax return on assets | -7.7003% | 8,189 |
| Return on Equity (ROE) | -28.0487% | 7,922 |
| Retained earnings to average equity (ytd only) | -28.0487% | 7,873 |
| Net charge-offs to loans | 11.3727% | 7 |
| Credit loss provision to net charge-offs | 124.3992% | 4,304 |
| Earnings coverage of net charge-offs (x) | 0.0167% | 6,234 |
| Efficiency ratio | 97.2222% | 1,090 |
| Assets per employee ($millions) | 4.4459% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0436% | 95 |
| Loan loss allowance to noncurrent loans | 36.0377% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 10.0929% | 154 |
| Noncurrent loans to loans | 13.9952% | 82 |
| Net loans and leases to total assets | 46.2196% | 7,310 |
| Net loans and leases to deposits | 61.8401% | 6,956 |
| Net loans and leases to core deposits | 71.4023% | 7,114 |
| Total domestic deposits to total assets | 74.7405% | 6,510 |
| Equity capital to assets | 21.9337% | 355 |
| Core capital (leverage) ratio | 22.1916% | 332 |
| Tier 1 risk-based capital ratio | 26.5749% | 858 |
| Total risk-based capital ratio | 27.8458% | 836 |
| Memoranda: | ||
| Average total assets | $30,492,400 | 7,623 |
| Average earning assets | $27,995,400 | 7,616 |
| Average equity | $7,012,800 | 6,450 |
| Average total loans | $16,829,800 | 7,529 |