Home > Argentine Federal Savings > Performance and Condition Ratios
Argentine Federal Savings, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2412% | 2,634 |
| Cost of funding earning assets | 2.8628% | 439 |
| Net interest margin | 2.3783% | 4,118 |
| Noninterest income to average assets | 0.0800% | 4,206 |
| Noninterest expense to average assets | 2.3273% | 2,781 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | -0.0474% | 4,202 |
| Return on assets (ROA) | -0.0474% | 4,225 |
| Pretax return on assets | -0.0533% | 4,220 |
| Return on Equity (ROE) | -0.4000% | 4,207 |
| Retained earnings to average equity (ytd only) | -0.3969% | 3,774 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 100.2551% | 260 |
| Assets per employee ($millions) | 6.8083% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 3,841 |
| Loan loss allowance to noncurrent loans | 105.3254% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 1,490 |
| Noncurrent loans to loans | 0.7693% | 1,348 |
| Net loans and leases to total assets | 64.0100% | 2,496 |
| Net loans and leases to deposits | 86.6502% | 1,438 |
| Net loans and leases to core deposits | 124.2452% | 439 |
| Total domestic deposits to total assets | 73.8700% | 4,080 |
| Equity capital to assets | 11.8370% | 1,300 |
| Core capital (leverage) ratio | 12.0626% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $67,547,000 | 4,067 |
| Average earning assets | $63,573,500 | 4,036 |
| Average equity | $8,063,000 | 3,982 |
| Average total loans | $43,691,500 | 3,909 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8774% | 3,297 |
| Cost of funding earning assets | 2.7331% | 795 |
| Net interest margin | 2.1443% | 4,189 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 2.1924% | 3,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.0518% | 4,128 |
| Return on assets (ROA) | 0.0518% | 4,154 |
| Pretax return on assets | 0.0518% | 4,146 |
| Return on Equity (ROE) | 0.4100% | 4,156 |
| Retained earnings to average equity (ytd only) | 0.4098% | 3,817 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 97.6923% | 313 |
| Assets per employee ($millions) | 7.4457% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 3,872 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 1,753 |
| Noncurrent loans to loans | 0.6007% | 1,600 |
| Net loans and leases to total assets | 64.3200% | 2,544 |
| Net loans and leases to deposits | 84.8659% | 1,695 |
| Net loans and leases to core deposits | 121.5797% | 551 |
| Total domestic deposits to total assets | 75.7900% | 3,964 |
| Equity capital to assets | 12.0383% | 1,172 |
| Core capital (leverage) ratio | 12.4905% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $63,719,400 | 4,104 |
| Average earning assets | $60,114,200 | 4,074 |
| Average equity | $8,052,600 | 3,957 |
| Average total loans | $38,660,800 | 3,976 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7229% | 3,506 |
| Cost of funding earning assets | 2.7371% | 790 |
| Net interest margin | 1.9859% | 4,278 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 2.0817% | 3,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.0572% | 4,164 |
| Return on assets (ROA) | 0.0572% | 4,196 |
| Pretax return on assets | 0.0594% | 4,188 |
| Return on Equity (ROE) | 0.4500% | 4,195 |
| Retained earnings to average equity (ytd only) | 0.4472% | 3,864 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 97.2277% | 330 |
| Assets per employee ($millions) | 8.0214% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 3,684 |
| Loan loss allowance to noncurrent loans | 138.6454% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 1,708 |
| Noncurrent loans to loans | 0.6461% | 1,499 |
| Net loans and leases to total assets | 60.0000% | 2,925 |
| Net loans and leases to deposits | 71.4622% | 2,854 |
| Net loans and leases to core deposits | 102.6201% | 1,321 |
| Total domestic deposits to total assets | 83.9600% | 2,605 |
| Equity capital to assets | 12.5617% | 1,089 |
| Core capital (leverage) ratio | 12.8219% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $62,896,500 | 4,126 |
| Average earning assets | $59,283,500 | 4,104 |
| Average equity | $8,049,000 | 3,974 |
| Average total loans | $37,464,000 | 4,008 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 3,489 |
| Cost of funding earning assets | 2.6681% | 811 |
| Net interest margin | 2.0265% | 4,281 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 2.1258% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.0768% | 4,148 |
| Return on assets (ROA) | 0.0768% | 4,174 |
| Pretax return on assets | 0.0896% | 4,165 |
| Return on Equity (ROE) | 0.6000% | 4,185 |
| Retained earnings to average equity (ytd only) | 0.5966% | 3,694 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 95.9538% | 379 |
| Assets per employee ($millions) | 6.3027% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 3,656 |
| Loan loss allowance to noncurrent loans | 125.1799% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 1,472 |
| Noncurrent loans to loans | 0.7295% | 1,280 |
| Net loans and leases to total assets | 59.9100% | 2,964 |
| Net loans and leases to deposits | 77.4383% | 2,432 |
| Net loans and leases to core deposits | 101.8228% | 1,375 |
| Total domestic deposits to total assets | 77.3700% | 3,775 |
| Equity capital to assets | 12.7866% | 925 |
| Core capital (leverage) ratio | 12.8206% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $62,471,667 | 4,149 |
| Average earning assets | $58,919,000 | 4,123 |
| Average equity | $8,045,000 | 3,972 |
| Average total loans | $37,002,333 | 4,032 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 3,810 |
| Cost of funding earning assets | 2.5502% | 907 |
| Net interest margin | 1.8683% | 4,363 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 2.0452% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0579% | 4,164 |
| Return on assets (ROA) | 0.0579% | 4,203 |
| Pretax return on assets | -0.0064% | 4,267 |
| Return on Equity (ROE) | 0.4500% | 4,205 |
| Retained earnings to average equity (ytd only) | 0.4479% | 3,604 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 100.3155% | 290 |
| Assets per employee ($millions) | 4.8320% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 3,565 |
| Loan loss allowance to noncurrent loans | 74.0426% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.7482% | 809 |
| Noncurrent loans to loans | 1.2691% | 645 |
| Net loans and leases to total assets | 58.4000% | 3,019 |
| Net loans and leases to deposits | 76.8459% | 2,349 |
| Net loans and leases to core deposits | 98.9668% | 1,472 |
| Total domestic deposits to total assets | 76.0000% | 3,989 |
| Equity capital to assets | 12.8025% | 912 |
| Core capital (leverage) ratio | 13.0438% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $62,194,000 | 4,178 |
| Average earning assets | $58,662,500 | 4,144 |
| Average equity | $8,038,000 | 3,986 |
| Average total loans | $36,448,500 | 4,056 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 4,024 |
| Cost of funding earning assets | 1.8522% | 1,157 |
| Net interest margin | 2.1053% | 4,369 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.0247% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1238% | 4,233 |
| Return on assets (ROA) | 0.1238% | 4,257 |
| Pretax return on assets | 0.1580% | 4,230 |
| Return on Equity (ROE) | 0.9500% | 4,267 |
| Retained earnings to average equity (ytd only) | 0.9499% | 3,849 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.6230% | 343 |
| Assets per employee ($millions) | 4.7363% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 3,458 |
| Loan loss allowance to noncurrent loans | 72.1992% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7828% | 659 |
| Noncurrent loans to loans | 1.3440% | 516 |
| Net loans and leases to total assets | 57.6800% | 3,066 |
| Net loans and leases to deposits | 74.0554% | 2,611 |
| Net loans and leases to core deposits | 94.4999% | 1,739 |
| Total domestic deposits to total assets | 77.8900% | 3,742 |
| Equity capital to assets | 13.0481% | 854 |
| Core capital (leverage) ratio | 13.0479% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $61,392,200 | 4,195 |
| Average earning assets | $58,092,000 | 4,161 |
| Average equity | $8,001,200 | 3,925 |
| Average total loans | $34,259,000 | 4,075 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8398% | 4,071 |
| Cost of funding earning assets | 1.6994% | 1,190 |
| Net interest margin | 2.1404% | 4,385 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.0669% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1500% | 4,279 |
| Return on assets (ROA) | 0.1500% | 4,292 |
| Pretax return on assets | 0.1913% | 4,270 |
| Return on Equity (ROE) | 1.1500% | 4,297 |
| Retained earnings to average equity (ytd only) | 1.1510% | 3,917 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.3545% | 339 |
| Assets per employee ($millions) | 6.1878% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,478 |
| Loan loss allowance to noncurrent loans | 40.2312% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.3979% | 283 |
| Noncurrent loans to loans | 2.4288% | 206 |
| Net loans and leases to total assets | 56.9900% | 3,119 |
| Net loans and leases to deposits | 71.8635% | 2,715 |
| Net loans and leases to core deposits | 91.6883% | 1,817 |
| Total domestic deposits to total assets | 79.3100% | 3,635 |
| Equity capital to assets | 12.9707% | 821 |
| Core capital (leverage) ratio | 13.0653% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $61,347,250 | 4,214 |
| Average earning assets | $58,057,250 | 4,181 |
| Average equity | $7,993,000 | 3,935 |
| Average total loans | $33,858,250 | 4,102 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 4,151 |
| Cost of funding earning assets | 1.5272% | 1,198 |
| Net interest margin | 2.1595% | 4,441 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.1023% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1569% | 4,329 |
| Return on assets (ROA) | 0.1569% | 4,356 |
| Pretax return on assets | 0.1929% | 4,330 |
| Return on Equity (ROE) | 1.2000% | 4,353 |
| Retained earnings to average equity (ytd only) | 1.2027% | 3,876 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.5954% | 311 |
| Assets per employee ($millions) | 5.5431% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,336 |
| Loan loss allowance to noncurrent loans | 58.5448% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.9693% | 491 |
| Noncurrent loans to loans | 1.7452% | 351 |
| Net loans and leases to total assets | 54.9700% | 3,195 |
| Net loans and leases to deposits | 67.6687% | 2,932 |
| Net loans and leases to core deposits | 87.2277% | 1,990 |
| Total domestic deposits to total assets | 81.2400% | 3,389 |
| Equity capital to assets | 13.1302% | 782 |
| Core capital (leverage) ratio | 13.1012% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $61,170,333 | 4,236 |
| Average earning assets | $57,882,667 | 4,206 |
| Average equity | $7,982,000 | 3,955 |
| Average total loans | $33,272,667 | 4,122 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5816% | 4,174 |
| Cost of funding earning assets | 1.3319% | 1,165 |
| Net interest margin | 2.2497% | 4,475 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.2654% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1763% | 4,379 |
| Return on assets (ROA) | 0.1763% | 4,351 |
| Pretax return on assets | 0.2089% | 4,334 |
| Return on Equity (ROE) | 1.3600% | 4,355 |
| Retained earnings to average equity (ytd only) | 1.3551% | 3,813 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 91.5567% | 319 |
| Assets per employee ($millions) | 5.6316% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 3,287 |
| Loan loss allowance to noncurrent loans | 160.1852% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 1,471 |
| Noncurrent loans to loans | 0.6567% | 1,147 |
| Net loans and leases to total assets | 52.5400% | 3,312 |
| Net loans and leases to deposits | 65.4145% | 2,983 |
| Net loans and leases to core deposits | 80.7568% | 2,196 |
| Total domestic deposits to total assets | 80.3100% | 3,726 |
| Equity capital to assets | 12.8866% | 782 |
| Core capital (leverage) ratio | 13.0888% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $61,268,500 | 4,296 |
| Average earning assets | $57,963,000 | 4,264 |
| Average equity | $7,970,000 | 4,006 |
| Average total loans | $32,976,500 | 4,183 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2592% | 3,689 |
| Cost of funding earning assets | 0.6969% | 590 |
| Net interest margin | 2.5623% | 4,220 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.4101% | 2,395 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.1973% | 4,451 |
| Return on assets (ROA) | 0.1973% | 4,432 |
| Pretax return on assets | 0.2572% | 4,401 |
| Return on Equity (ROE) | 1.5400% | 4,427 |
| Retained earnings to average equity (ytd only) | 1.5449% | 4,090 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.7590% | 309 |
| Assets per employee ($millions) | 5.0491% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,139 |
| Loan loss allowance to noncurrent loans | 2,883.3333% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 3,652 |
| Noncurrent loans to loans | 0.0363% | 3,521 |
| Net loans and leases to total assets | 54.0000% | 3,199 |
| Net loans and leases to deposits | 67.6286% | 2,755 |
| Net loans and leases to core deposits | 80.3853% | 2,111 |
| Total domestic deposits to total assets | 79.8400% | 3,900 |
| Equity capital to assets | 13.1327% | 677 |
| Core capital (leverage) ratio | 13.1323% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $61,822,400 | 4,323 |
| Average earning assets | $58,541,400 | 4,283 |
| Average equity | $7,897,000 | 4,110 |
| Average total loans | $33,074,800 | 4,187 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2238% | 3,376 |
| Cost of funding earning assets | 0.6235% | 386 |
| Net interest margin | 2.6004% | 4,100 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.4743% | 2,086 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.1931% | 4,481 |
| Return on assets (ROA) | 0.1931% | 4,451 |
| Pretax return on assets | 0.2532% | 4,420 |
| Return on Equity (ROE) | 1.5200% | 4,451 |
| Retained earnings to average equity (ytd only) | 1.5224% | 4,132 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 90.0781% | 315 |
| Assets per employee ($millions) | 6.1727% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,190 |
| Loan loss allowance to noncurrent loans | 2,866.6667% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,750 |
| Noncurrent loans to loans | 0.0371% | 3,627 |
| Net loans and leases to total assets | 51.9000% | 3,286 |
| Net loans and leases to deposits | 63.4655% | 2,902 |
| Net loans and leases to core deposits | 75.6434% | 2,226 |
| Total domestic deposits to total assets | 81.7800% | 3,873 |
| Equity capital to assets | 12.8420% | 702 |
| Core capital (leverage) ratio | 12.9026% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $62,130,750 | 4,350 |
| Average earning assets | $58,811,000 | 4,312 |
| Average equity | $7,882,000 | 4,149 |
| Average total loans | $33,078,000 | 4,213 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1723% | 3,137 |
| Cost of funding earning assets | 0.5259% | 445 |
| Net interest margin | 2.6464% | 3,821 |
| Noninterest income to average assets | 0.2281% | 3,825 |
| Noninterest expense to average assets | 2.4540% | 2,072 |
| Loan and lease loss provision to assets | 0.0225% | 2,195 |
| Net operating income to assets | 0.1991% | 4,421 |
| Return on assets (ROA) | 0.1991% | 4,382 |
| Pretax return on assets | 0.2570% | 4,343 |
| Return on Equity (ROE) | 1.5762% | 4,395 |
| Retained earnings to average equity (ytd only) | 1.5762% | 3,863 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7767% | 415 |
| Assets per employee ($millions) | 5.1316% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 3,454 |
| Loan loss allowance to noncurrent loans | 2,442.8571% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 3,774 |
| Noncurrent loans to loans | 0.0423% | 3,628 |
| Net loans and leases to total assets | 53.1837% | 3,045 |
| Net loans and leases to deposits | 64.3368% | 2,688 |
| Net loans and leases to core deposits | 76.5473% | 1,968 |
| Total domestic deposits to total assets | 82.6645% | 3,921 |
| Equity capital to assets | 12.8242% | 695 |
| Core capital (leverage) ratio | 12.7509% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,265,333 | 4,394 |
| Average earning assets | $58,947,000 | 4,366 |
| Average equity | $7,867,000 | 4,218 |
| Average total loans | $33,310,000 | 4,259 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2180% | 2,629 |
| Cost of funding earning assets | 0.4992% | 499 |
| Net interest margin | 2.7188% | 3,367 |
| Noninterest income to average assets | 0.1917% | 4,011 |
| Noninterest expense to average assets | 2.4789% | 1,937 |
| Loan and lease loss provision to assets | 0.0256% | 1,904 |
| Net operating income to assets | 0.2108% | 4,311 |
| Return on assets (ROA) | 0.2108% | 4,278 |
| Pretax return on assets | 0.2619% | 4,250 |
| Return on Equity (ROE) | 1.6811% | 4,316 |
| Retained earnings to average equity (ytd only) | 1.6811% | 3,638 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6074% | 568 |
| Assets per employee ($millions) | 5.6904% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,535 |
| Loan loss allowance to noncurrent loans | 408.4337% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 2,865 |
| Noncurrent loans to loans | 0.2567% | 2,559 |
| Net loans and leases to total assets | 51.1071% | 3,060 |
| Net loans and leases to deposits | 60.9810% | 2,811 |
| Net loans and leases to core deposits | 74.9514% | 1,853 |
| Total domestic deposits to total assets | 83.8084% | 3,800 |
| Equity capital to assets | 12.5699% | 791 |
| Core capital (leverage) ratio | 12.6343% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,608,500 | 4,412 |
| Average earning assets | $59,291,000 | 4,389 |
| Average equity | $7,852,000 | 4,280 |
| Average total loans | $33,419,000 | 4,271 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4338% | 2,839 |
| Cost of funding earning assets | 0.6284% | 470 |
| Net interest margin | 2.8054% | 3,653 |
| Noninterest income to average assets | 0.2746% | 3,753 |
| Noninterest expense to average assets | 2.5367% | 2,068 |
| Loan and lease loss provision to assets | 0.0590% | 1,881 |
| Net operating income to assets | 0.2476% | 4,484 |
| Return on assets (ROA) | 0.2476% | 4,501 |
| Pretax return on assets | 0.3335% | 4,454 |
| Return on Equity (ROE) | 1.8931% | 4,510 |
| Retained earnings to average equity (ytd only) | 1.8931% | 4,009 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6015% | 439 |
| Assets per employee ($millions) | 5.6930% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 3,874 |
| Loan loss allowance to noncurrent loans | 127.8626% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 1,563 |
| Noncurrent loans to loans | 0.7592% | 1,335 |
| Net loans and leases to total assets | 54.5710% | 2,782 |
| Net loans and leases to deposits | 65.0054% | 2,593 |
| Net loans and leases to core deposits | 78.4635% | 1,723 |
| Total domestic deposits to total assets | 83.9484% | 3,576 |
| Equity capital to assets | 12.5130% | 1,060 |
| Core capital (leverage) ratio | 12.7012% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,369,200 | 4,461 |
| Average earning assets | $56,176,800 | 4,439 |
| Average equity | $7,765,000 | 4,353 |
| Average total loans | $34,046,800 | 4,302 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4757% | 2,910 |
| Cost of funding earning assets | 0.6672% | 456 |
| Net interest margin | 2.8085% | 3,762 |
| Noninterest income to average assets | 0.3142% | 3,539 |
| Noninterest expense to average assets | 2.5798% | 1,897 |
| Loan and lease loss provision to assets | 0.0529% | 1,927 |
| Net operating income to assets | 0.2505% | 4,576 |
| Return on assets (ROA) | 0.2505% | 4,600 |
| Pretax return on assets | 0.3370% | 4,559 |
| Return on Equity (ROE) | 1.8931% | 4,607 |
| Retained earnings to average equity (ytd only) | 1.8931% | 4,220 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8865% | 404 |
| Assets per employee ($millions) | 5.5120% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 3,967 |
| Loan loss allowance to noncurrent loans | 120.9738% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 1,715 |
| Noncurrent loans to loans | 0.7966% | 1,421 |
| Net loans and leases to total assets | 54.7483% | 2,873 |
| Net loans and leases to deposits | 63.2226% | 2,934 |
| Net loans and leases to core deposits | 81.5281% | 1,607 |
| Total domestic deposits to total assets | 86.5962% | 2,507 |
| Equity capital to assets | 12.8661% | 1,032 |
| Core capital (leverage) ratio | 12.9143% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,555,750 | 4,529 |
| Average earning assets | $55,354,000 | 4,502 |
| Average equity | $7,747,250 | 4,418 |
| Average total loans | $33,931,250 | 4,361 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 2,849 |
| Cost of funding earning assets | 0.7065% | 455 |
| Net interest margin | 2.8078% | 3,773 |
| Noninterest income to average assets | 0.3353% | 3,423 |
| Noninterest expense to average assets | 2.5577% | 1,973 |
| Loan and lease loss provision to assets | 0.0518% | 1,998 |
| Net operating income to assets | 0.2661% | 4,565 |
| Return on assets (ROA) | 0.2661% | 4,581 |
| Pretax return on assets | 0.3767% | 4,526 |
| Return on Equity (ROE) | 1.9924% | 4,595 |
| Retained earnings to average equity (ytd only) | 1.9924% | 4,113 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6481% | 492 |
| Assets per employee ($millions) | 5.4766% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 4,082 |
| Loan loss allowance to noncurrent loans | 120.2290% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 1,886 |
| Noncurrent loans to loans | 0.7684% | 1,566 |
| Net loans and leases to total assets | 56.0795% | 2,894 |
| Net loans and leases to deposits | 64.6571% | 2,932 |
| Net loans and leases to core deposits | 83.5658% | 1,601 |
| Total domestic deposits to total assets | 86.7337% | 2,455 |
| Equity capital to assets | 12.8928% | 982 |
| Core capital (leverage) ratio | 13.1013% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,863,667 | 4,563 |
| Average earning assets | $54,633,667 | 4,538 |
| Average equity | $7,729,333 | 4,444 |
| Average total loans | $34,069,000 | 4,391 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5456% | 2,795 |
| Cost of funding earning assets | 0.7646% | 421 |
| Net interest margin | 2.7810% | 3,806 |
| Noninterest income to average assets | 0.4376% | 2,880 |
| Noninterest expense to average assets | 2.6467% | 1,750 |
| Loan and lease loss provision to assets | 0.0423% | 2,215 |
| Net operating income to assets | 0.2753% | 4,552 |
| Return on assets (ROA) | 0.2753% | 4,580 |
| Pretax return on assets | 0.3670% | 4,532 |
| Return on Equity (ROE) | 2.0232% | 4,597 |
| Retained earnings to average equity (ytd only) | 2.0232% | 4,000 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6051% | 491 |
| Assets per employee ($millions) | 5.7606% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,178 |
| Loan loss allowance to noncurrent loans | 206.7568% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 2,861 |
| Noncurrent loans to loans | 0.4308% | 2,568 |
| Net loans and leases to total assets | 59.1015% | 2,661 |
| Net loans and leases to deposits | 68.8995% | 2,612 |
| Net loans and leases to core deposits | 87.3333% | 1,427 |
| Total domestic deposits to total assets | 85.7793% | 2,819 |
| Equity capital to assets | 13.4187% | 808 |
| Core capital (leverage) ratio | 13.5771% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,674,000 | 4,598 |
| Average earning assets | $53,362,500 | 4,573 |
| Average equity | $7,710,500 | 4,459 |
| Average total loans | $34,054,000 | 4,414 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 2,981 |
| Cost of funding earning assets | 1.0881% | 420 |
| Net interest margin | 2.8288% | 4,217 |
| Noninterest income to average assets | 0.3294% | 3,484 |
| Noninterest expense to average assets | 2.6317% | 2,446 |
| Loan and lease loss provision to assets | 0.0322% | 3,994 |
| Net operating income to assets | 0.2435% | 4,507 |
| Return on assets (ROA) | 0.2435% | 4,576 |
| Pretax return on assets | 0.3276% | 4,512 |
| Return on Equity (ROE) | 1.7839% | 4,585 |
| Retained earnings to average equity (ytd only) | 1.7839% | 3,911 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9713% | 450 |
| Assets per employee ($millions) | 5.0675% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 4,214 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 2,957 |
| Noncurrent loans to loans | 0.4444% | 2,645 |
| Net loans and leases to total assets | 60.0194% | 2,860 |
| Net loans and leases to deposits | 70.5719% | 2,814 |
| Net loans and leases to core deposits | 89.0048% | 1,610 |
| Total domestic deposits to total assets | 85.0472% | 2,743 |
| Equity capital to assets | 13.7975% | 845 |
| Core capital (leverage) ratio | 13.8000% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,856,600 | 4,573 |
| Average earning assets | $52,567,000 | 4,550 |
| Average equity | $7,623,800 | 4,464 |
| Average total loans | $33,430,000 | 4,448 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 2,938 |
| Cost of funding earning assets | 1.1613% | 421 |
| Net interest margin | 2.8500% | 4,265 |
| Noninterest income to average assets | 0.3054% | 3,663 |
| Noninterest expense to average assets | 2.6291% | 2,450 |
| Loan and lease loss provision to assets | 0.0268% | 3,997 |
| Net operating income to assets | 0.2481% | 4,526 |
| Return on assets (ROA) | 0.2481% | 4,564 |
| Pretax return on assets | 0.3316% | 4,515 |
| Return on Equity (ROE) | 1.8228% | 4,581 |
| Retained earnings to average equity (ytd only) | 1.8228% | 3,994 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0192% | 415 |
| Assets per employee ($millions) | 5.1128% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 3,988 |
| Loan loss allowance to noncurrent loans | 375.6410% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 3,727 |
| Noncurrent loans to loans | 0.2467% | 3,418 |
| Net loans and leases to total assets | 55.6889% | 3,651 |
| Net loans and leases to deposits | 66.1304% | 3,608 |
| Net loans and leases to core deposits | 83.1453% | 2,567 |
| Total domestic deposits to total assets | 84.2108% | 2,752 |
| Equity capital to assets | 13.6164% | 969 |
| Core capital (leverage) ratio | 13.6377% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,885,250 | 4,587 |
| Average earning assets | $52,583,500 | 4,567 |
| Average equity | $7,607,000 | 4,486 |
| Average total loans | $33,348,500 | 4,477 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0600% | 3,161 |
| Cost of funding earning assets | 1.2390% | 448 |
| Net interest margin | 2.8210% | 4,416 |
| Noninterest income to average assets | 0.3013% | 3,661 |
| Noninterest expense to average assets | 2.5786% | 2,739 |
| Loan and lease loss provision to assets | 0.0251% | 3,940 |
| Net operating income to assets | 0.2582% | 4,495 |
| Return on assets (ROA) | 0.2582% | 4,537 |
| Pretax return on assets | 0.3515% | 4,469 |
| Return on Equity (ROE) | 1.8972% | 4,551 |
| Retained earnings to average equity (ytd only) | 1.8972% | 3,799 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2573% | 490 |
| Assets per employee ($millions) | 5.0645% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 3,990 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 4,397 |
| Noncurrent loans to loans | 0.0531% | 4,272 |
| Net loans and leases to total assets | 56.9316% | 3,617 |
| Net loans and leases to deposits | 67.5081% | 3,606 |
| Net loans and leases to core deposits | 83.9447% | 2,609 |
| Total domestic deposits to total assets | 84.3329% | 2,619 |
| Equity capital to assets | 13.6890% | 933 |
| Core capital (leverage) ratio | 13.5822% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1304% | 229 |
| Memoranda: | ||
| Average total assets | $55,766,667 | 4,601 |
| Average earning assets | $52,463,333 | 4,582 |
| Average equity | $7,590,000 | 4,510 |
| Average total loans | $33,927,000 | 4,481 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 3,537 |
| Cost of funding earning assets | 1.3321% | 509 |
| Net interest margin | 2.7632% | 4,606 |
| Noninterest income to average assets | 0.4373% | 2,863 |
| Noninterest expense to average assets | 2.6669% | 2,795 |
| Loan and lease loss provision to assets | 0.0215% | 3,535 |
| Net operating income to assets | 0.2509% | 4,449 |
| Return on assets (ROA) | 0.2509% | 4,470 |
| Pretax return on assets | 0.3513% | 4,377 |
| Return on Equity (ROE) | 1.8489% | 4,475 |
| Retained earnings to average equity (ytd only) | 1.8489% | 3,495 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7358% | 595 |
| Assets per employee ($millions) | 5.1213% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 4,346 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 3,964 |
| Noncurrent loans to loans | 0.2199% | 3,696 |
| Net loans and leases to total assets | 60.8585% | 3,418 |
| Net loans and leases to deposits | 72.7080% | 3,386 |
| Net loans and leases to core deposits | 90.8137% | 2,270 |
| Total domestic deposits to total assets | 83.7026% | 2,884 |
| Equity capital to assets | 13.4714% | 1,229 |
| Core capital (leverage) ratio | 13.6899% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6847% | 270 |
| Memoranda: | ||
| Average total assets | $55,795,500 | 4,610 |
| Average earning assets | $52,547,000 | 4,594 |
| Average equity | $7,572,000 | 4,542 |
| Average total loans | $34,888,000 | 4,477 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 3,745 |
| Cost of funding earning assets | 1.3591% | 636 |
| Net interest margin | 2.8678% | 4,689 |
| Noninterest income to average assets | 0.2838% | 3,990 |
| Noninterest expense to average assets | 2.6464% | 3,041 |
| Loan and lease loss provision to assets | 0.0633% | 2,771 |
| Net operating income to assets | 0.2144% | 4,828 |
| Return on assets (ROA) | 0.2187% | 4,850 |
| Pretax return on assets | 0.2838% | 4,834 |
| Return on Equity (ROE) | 1.6144% | 4,843 |
| Retained earnings to average equity (ytd only) | 1.6144% | 4,158 |
| Net charge-offs to loans | 0.3509% | 573 |
| Credit loss provision to net charge-offs | 27.3438% | 3,289 |
| Earnings coverage of net charge-offs (x) | 1.4766% | 3,537 |
| Efficiency ratio | 88.5662% | 411 |
| Assets per employee ($millions) | 5.0234% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 4,301 |
| Loan loss allowance to noncurrent loans | 376.0000% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 3,958 |
| Noncurrent loans to loans | 0.2130% | 3,697 |
| Net loans and leases to total assets | 63.2047% | 3,294 |
| Net loans and leases to deposits | 75.7757% | 3,205 |
| Net loans and leases to core deposits | 94.1299% | 2,050 |
| Total domestic deposits to total assets | 83.4102% | 3,063 |
| Equity capital to assets | 13.6725% | 1,219 |
| Core capital (leverage) ratio | 13.6424% | 1,014 |
| Tier 1 risk-based capital ratio | 29.0242% | 517 |
| Total risk-based capital ratio | 30.1076% | 512 |
| Memoranda: | ||
| Average total assets | $55,320,800 | 4,658 |
| Average earning assets | $52,166,000 | 4,641 |
| Average equity | $7,495,000 | 4,576 |
| Average total loans | $36,479,800 | 4,490 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 3,901 |
| Cost of funding earning assets | 1.3481% | 679 |
| Net interest margin | 2.8597% | 4,796 |
| Noninterest income to average assets | 0.3181% | 3,844 |
| Noninterest expense to average assets | 2.6504% | 3,014 |
| Loan and lease loss provision to assets | 0.0795% | 2,319 |
| Net operating income to assets | 0.2179% | 4,937 |
| Return on assets (ROA) | 0.2217% | 4,947 |
| Pretax return on assets | 0.2915% | 4,914 |
| Return on Equity (ROE) | 1.6398% | 4,946 |
| Retained earnings to average equity (ytd only) | 1.6398% | 4,387 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8594% | 404 |
| Assets per employee ($millions) | 5.0566% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7781% | 4,464 |
| Loan loss allowance to noncurrent loans | 189.1892% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 3,488 |
| Noncurrent loans to loans | 0.4113% | 3,074 |
| Net loans and leases to total assets | 64.1875% | 3,268 |
| Net loans and leases to deposits | 77.7860% | 3,117 |
| Net loans and leases to core deposits | 94.0320% | 2,174 |
| Total domestic deposits to total assets | 82.5180% | 3,307 |
| Equity capital to assets | 13.5286% | 1,347 |
| Core capital (leverage) ratio | 13.4934% | 1,135 |
| Tier 1 risk-based capital ratio | 28.4607% | 546 |
| Total risk-based capital ratio | 29.5197% | 538 |
| Memoranda: | ||
| Average total assets | $55,336,750 | 4,729 |
| Average earning assets | $52,218,500 | 4,706 |
| Average equity | $7,480,000 | 4,632 |
| Average total loans | $36,798,000 | 4,538 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 3,777 |
| Cost of funding earning assets | 1.3182% | 698 |
| Net interest margin | 2.9362% | 4,773 |
| Noninterest income to average assets | 0.3186% | 3,796 |
| Noninterest expense to average assets | 2.7190% | 2,848 |
| Loan and lease loss provision to assets | 0.0579% | 2,669 |
| Net operating income to assets | 0.2390% | 4,951 |
| Return on assets (ROA) | 0.2390% | 4,964 |
| Pretax return on assets | 0.3077% | 4,927 |
| Return on Equity (ROE) | 1.7683% | 4,969 |
| Retained earnings to average equity (ytd only) | 1.7683% | 4,183 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1455% | 438 |
| Assets per employee ($millions) | 5.0569% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8704% | 4,195 |
| Loan loss allowance to noncurrent loans | 139.5556% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 2,130 |
| Noncurrent loans to loans | 0.6237% | 2,390 |
| Net loans and leases to total assets | 64.2883% | 3,309 |
| Net loans and leases to deposits | 76.1212% | 3,321 |
| Net loans and leases to core deposits | 91.4791% | 2,465 |
| Total domestic deposits to total assets | 84.4551% | 2,703 |
| Equity capital to assets | 13.4811% | 1,329 |
| Core capital (leverage) ratio | 13.4275% | 1,143 |
| Tier 1 risk-based capital ratio | 28.1388% | 560 |
| Total risk-based capital ratio | 29.3171% | 548 |
| Memoranda: | ||
| Average total assets | $55,241,330 | 4,767 |
| Average earning assets | $52,040,000 | 4,744 |
| Average equity | $7,465,000 | 4,656 |
| Average total loans | $37,069,670 | 4,571 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 3,828 |
| Cost of funding earning assets | 1.2570% | 750 |
| Net interest margin | 2.9535% | 4,815 |
| Noninterest income to average assets | 0.1453% | 4,867 |
| Noninterest expense to average assets | 2.6377% | 3,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2180% | 4,999 |
| Return on assets (ROA) | 0.2180% | 5,004 |
| Pretax return on assets | 0.2907% | 4,970 |
| Return on Equity (ROE) | 1.6112% | 5,010 |
| Retained earnings to average equity (ytd only) | 1.6112% | 4,166 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0744% | 388 |
| Assets per employee ($millions) | 5.0942% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,756 |
| Loan loss allowance to noncurrent loans | 80.6452% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8298% | 1,713 |
| Noncurrent loans to loans | 1.2315% | 1,337 |
| Net loans and leases to total assets | 66.7125% | 2,945 |
| Net loans and leases to deposits | 78.8239% | 2,967 |
| Net loans and leases to core deposits | 93.8847% | 2,135 |
| Total domestic deposits to total assets | 84.6349% | 2,805 |
| Equity capital to assets | 13.3182% | 1,286 |
| Core capital (leverage) ratio | 13.6582% | 1,045 |
| Tier 1 risk-based capital ratio | 27.6060% | 585 |
| Total risk-based capital ratio | 28.8563% | 573 |
| Memoranda: | ||
| Average total assets | $55,049,000 | 4,822 |
| Average earning assets | $51,871,500 | 4,797 |
| Average equity | $7,448,000 | 4,690 |
| Average total loans | $37,567,000 | 4,601 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1457% | 3,600 |
| Cost of funding earning assets | 0.9617% | 876 |
| Net interest margin | 3.1840% | 4,511 |
| Noninterest income to average assets | 0.0589% | 5,247 |
| Noninterest expense to average assets | 2.6450% | 3,196 |
| Loan and lease loss provision to assets | 0.0285% | 3,602 |
| Net operating income to assets | 0.2782% | 5,036 |
| Return on assets (ROA) | 0.2812% | 5,028 |
| Pretax return on assets | 0.3838% | 4,950 |
| Return on Equity (ROE) | 2.0111% | 5,043 |
| Retained earnings to average equity (ytd only) | 2.0111% | 4,352 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6210% | 494 |
| Assets per employee ($millions) | 4.9147% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 3,664 |
| Loan loss allowance to noncurrent loans | 86.0092% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.8065% | 1,729 |
| Noncurrent loans to loans | 1.1665% | 1,379 |
| Net loans and leases to total assets | 68.4418% | 2,816 |
| Net loans and leases to deposits | 81.3441% | 2,806 |
| Net loans and leases to core deposits | 98.5537% | 1,827 |
| Total domestic deposits to total assets | 84.1386% | 2,959 |
| Equity capital to assets | 13.7490% | 1,047 |
| Core capital (leverage) ratio | 13.9145% | 944 |
| Tier 1 risk-based capital ratio | 27.9079% | 568 |
| Total risk-based capital ratio | 29.1582% | 557 |
| Memoranda: | ||
| Average total assets | $52,628,400 | 4,891 |
| Average earning assets | $49,497,600 | 4,863 |
| Average equity | $7,359,000 | 4,697 |
| Average total loans | $38,224,600 | 4,606 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 3,541 |
| Cost of funding earning assets | 0.9087% | 887 |
| Net interest margin | 3.2198% | 4,477 |
| Noninterest income to average assets | 0.0612% | 5,316 |
| Noninterest expense to average assets | 2.6732% | 3,054 |
| Loan and lease loss provision to assets | 0.0383% | 3,240 |
| Net operating income to assets | 0.2740% | 5,127 |
| Return on assets (ROA) | 0.2780% | 5,114 |
| Pretax return on assets | 0.3826% | 5,049 |
| Return on Equity (ROE) | 1.9798% | 5,135 |
| Retained earnings to average equity (ytd only) | 1.9798% | 4,588 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5400% | 487 |
| Assets per employee ($millions) | 5.2521% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,713 |
| Loan loss allowance to noncurrent loans | 82.4176% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 1,702 |
| Noncurrent loans to loans | 1.2213% | 1,381 |
| Net loans and leases to total assets | 70.2195% | 2,610 |
| Net loans and leases to deposits | 83.9537% | 2,603 |
| Net loans and leases to core deposits | 102.4359% | 1,571 |
| Total domestic deposits to total assets | 83.6408% | 3,065 |
| Equity capital to assets | 14.0782% | 936 |
| Core capital (leverage) ratio | 14.1531% | 897 |
| Tier 1 risk-based capital ratio | 28.1966% | 557 |
| Total risk-based capital ratio | 29.4474% | 548 |
| Memoranda: | ||
| Average total assets | $52,270,000 | 4,948 |
| Average earning assets | $49,153,500 | 4,928 |
| Average equity | $7,340,500 | 4,744 |
| Average total loans | $38,436,750 | 4,647 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 3,643 |
| Cost of funding earning assets | 0.8517% | 904 |
| Net interest margin | 3.1906% | 4,528 |
| Noninterest income to average assets | 0.0613% | 5,375 |
| Noninterest expense to average assets | 2.6482% | 3,169 |
| Loan and lease loss provision to assets | 0.0230% | 3,459 |
| Net operating income to assets | 0.2844% | 5,141 |
| Return on assets (ROA) | 0.2874% | 5,126 |
| Pretax return on assets | 0.3947% | 5,047 |
| Return on Equity (ROE) | 2.0484% | 5,168 |
| Retained earnings to average equity (ytd only) | 2.0484% | 4,440 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4831% | 548 |
| Assets per employee ($millions) | 5.2135% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 4,026 |
| Loan loss allowance to noncurrent loans | 59.5122% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.1796% | 1,222 |
| Noncurrent loans to loans | 1.6241% | 995 |
| Net loans and leases to total assets | 71.9286% | 2,286 |
| Net loans and leases to deposits | 85.9382% | 2,319 |
| Net loans and leases to core deposits | 102.9230% | 1,496 |
| Total domestic deposits to total assets | 83.6981% | 3,177 |
| Equity capital to assets | 14.1172% | 904 |
| Core capital (leverage) ratio | 14.0834% | 890 |
| Tier 1 risk-based capital ratio | 27.6007% | 578 |
| Total risk-based capital ratio | 28.8532% | 571 |
| Memoranda: | ||
| Average total assets | $52,186,330 | 5,009 |
| Average earning assets | $49,081,000 | 4,983 |
| Average equity | $7,322,670 | 4,796 |
| Average total loans | $38,830,670 | 4,675 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 3,391 |
| Cost of funding earning assets | 0.8326% | 827 |
| Net interest margin | 3.2241% | 4,388 |
| Noninterest income to average assets | 0.0766% | 5,406 |
| Noninterest expense to average assets | 2.6890% | 3,072 |
| Loan and lease loss provision to assets | 0.0230% | 3,226 |
| Net operating income to assets | 0.2851% | 5,121 |
| Return on assets (ROA) | 0.2911% | 5,112 |
| Pretax return on assets | 0.3984% | 5,041 |
| Return on Equity (ROE) | 2.0811% | 5,169 |
| Retained earnings to average equity (ytd only) | 2.0811% | 4,329 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6667% | 595 |
| Assets per employee ($millions) | 5.2750% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 4,310 |
| Loan loss allowance to noncurrent loans | 103.1250% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 2,324 |
| Noncurrent loans to loans | 0.9009% | 2,018 |
| Net loans and leases to total assets | 73.3782% | 1,969 |
| Net loans and leases to deposits | 89.4071% | 1,762 |
| Net loans and leases to core deposits | 105.7135% | 1,260 |
| Total domestic deposits to total assets | 82.0720% | 3,938 |
| Equity capital to assets | 13.8825% | 923 |
| Core capital (leverage) ratio | 13.9925% | 880 |
| Tier 1 risk-based capital ratio | 27.1433% | 609 |
| Total risk-based capital ratio | 28.3962% | 601 |
| Memoranda: | ||
| Average total assets | $52,212,000 | 5,071 |
| Average earning assets | $49,005,500 | 5,044 |
| Average equity | $7,304,000 | 4,849 |
| Average total loans | $39,313,000 | 4,709 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1283% | 2,957 |
| Cost of funding earning assets | 0.8054% | 597 |
| Net interest margin | 3.3229% | 4,086 |
| Noninterest income to average assets | 0.0563% | 5,517 |
| Noninterest expense to average assets | 2.6620% | 3,253 |
| Loan and lease loss provision to assets | 0.0486% | 3,253 |
| Net operating income to assets | 0.3333% | 4,864 |
| Return on assets (ROA) | 0.3361% | 4,883 |
| Pretax return on assets | 0.4683% | 4,977 |
| Return on Equity (ROE) | 2.4046% | 4,973 |
| Retained earnings to average equity (ytd only) | 2.4046% | 3,890 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8433% | 782 |
| Assets per employee ($millions) | 5.1674% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 4,421 |
| Loan loss allowance to noncurrent loans | 125.4355% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 2,696 |
| Noncurrent loans to loans | 0.7256% | 2,395 |
| Net loans and leases to total assets | 75.8525% | 1,626 |
| Net loans and leases to deposits | 97.4952% | 943 |
| Net loans and leases to core deposits | 107.2013% | 1,200 |
| Total domestic deposits to total assets | 77.8012% | 4,749 |
| Equity capital to assets | 14.0980% | 878 |
| Core capital (leverage) ratio | 13.9825% | 837 |
| Tier 1 risk-based capital ratio | 27.0919% | 592 |
| Total risk-based capital ratio | 28.3414% | 583 |
| Memoranda: | ||
| Average total assets | $51,466,000 | 5,130 |
| Average earning assets | $48,301,000 | 5,100 |
| Average equity | $7,194,600 | 4,910 |
| Average total loans | $38,737,200 | 4,770 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1216% | 2,911 |
| Cost of funding earning assets | 0.8066% | 558 |
| Net interest margin | 3.3150% | 4,117 |
| Noninterest income to average assets | 0.0570% | 5,590 |
| Noninterest expense to average assets | 2.6659% | 3,186 |
| Loan and lease loss provision to assets | 0.0519% | 3,061 |
| Net operating income to assets | 0.3256% | 5,169 |
| Return on assets (ROA) | 0.3293% | 5,183 |
| Pretax return on assets | 0.4564% | 5,105 |
| Return on Equity (ROE) | 2.3610% | 5,251 |
| Retained earnings to average equity (ytd only) | 2.3610% | 4,471 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1244% | 742 |
| Assets per employee ($millions) | 5.2431% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 4,612 |
| Loan loss allowance to noncurrent loans | 98.3380% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 2,441 |
| Noncurrent loans to loans | 0.9043% | 2,122 |
| Net loans and leases to total assets | 75.4649% | 1,687 |
| Net loans and leases to deposits | 96.5308% | 1,062 |
| Net loans and leases to core deposits | 105.9159% | 1,279 |
| Total domestic deposits to total assets | 78.1770% | 4,697 |
| Equity capital to assets | 13.8048% | 1,048 |
| Core capital (leverage) ratio | 13.9851% | 895 |
| Tier 1 risk-based capital ratio | 26.7747% | 634 |
| Total risk-based capital ratio | 28.0250% | 619 |
| Memoranda: | ||
| Average total assets | $51,414,000 | 5,186 |
| Average earning assets | $48,264,500 | 5,159 |
| Average equity | $7,172,000 | 4,967 |
| Average total loans | $38,532,500 | 4,826 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1750% | 2,563 |
| Cost of funding earning assets | 0.8600% | 384 |
| Net interest margin | 3.3149% | 4,062 |
| Noninterest income to average assets | 0.0509% | 5,653 |
| Noninterest expense to average assets | 2.6628% | 3,227 |
| Loan and lease loss provision to assets | 0.0587% | 2,795 |
| Net operating income to assets | 0.3039% | 5,210 |
| Return on assets (ROA) | 0.3093% | 5,218 |
| Pretax return on assets | 0.4464% | 5,090 |
| Return on Equity (ROE) | 2.2098% | 5,303 |
| Retained earnings to average equity (ytd only) | 2.2098% | 4,354 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2627% | 827 |
| Assets per employee ($millions) | 5.1109% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 4,681 |
| Loan loss allowance to noncurrent loans | 271.3178% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2524% | 4,117 |
| Noncurrent loans to loans | 0.3279% | 3,862 |
| Net loans and leases to total assets | 76.3016% | 1,498 |
| Net loans and leases to deposits | 100.6608% | 690 |
| Net loans and leases to core deposits | 111.0456% | 953 |
| Total domestic deposits to total assets | 75.8007% | 5,115 |
| Equity capital to assets | 14.0699% | 937 |
| Core capital (leverage) ratio | 14.0798% | 840 |
| Tier 1 risk-based capital ratio | 27.4371% | 581 |
| Total risk-based capital ratio | 28.6886% | 570 |
| Memoranda: | ||
| Average total assets | $51,075,000 | 5,232 |
| Average earning assets | $47,904,670 | 5,198 |
| Average equity | $7,150,000 | 4,994 |
| Average total loans | $38,069,330 | 4,873 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2488% | 2,101 |
| Cost of funding earning assets | 0.9953% | 169 |
| Net interest margin | 3.2535% | 4,156 |
| Noninterest income to average assets | 0.0548% | 5,719 |
| Noninterest expense to average assets | 2.7263% | 3,047 |
| Loan and lease loss provision to assets | 0.0392% | 3,017 |
| Net operating income to assets | 0.2620% | 5,286 |
| Return on assets (ROA) | 0.2742% | 5,269 |
| Pretax return on assets | 0.3525% | 5,233 |
| Return on Equity (ROE) | 1.9637% | 5,341 |
| Retained earnings to average equity (ytd only) | 1.9637% | 4,345 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8788% | 667 |
| Assets per employee ($millions) | 5.1392% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,728 |
| Loan loss allowance to noncurrent loans | 129.7710% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 3,185 |
| Noncurrent loans to loans | 0.7000% | 2,744 |
| Net loans and leases to total assets | 72.1688% | 2,051 |
| Net loans and leases to deposits | 94.8180% | 1,036 |
| Net loans and leases to core deposits | 104.4731% | 1,197 |
| Total domestic deposits to total assets | 76.1130% | 5,219 |
| Equity capital to assets | 13.9068% | 931 |
| Core capital (leverage) ratio | 13.9882% | 847 |
| Tier 1 risk-based capital ratio | 27.9956% | 564 |
| Total risk-based capital ratio | 29.2452% | 548 |
| Memoranda: | ||
| Average total assets | $51,058,000 | 5,292 |
| Average earning assets | $47,825,000 | 5,254 |
| Average equity | $7,129,500 | 5,039 |
| Average total loans | $37,430,500 | 4,934 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 2,261 |
| Cost of funding earning assets | 0.9816% | 189 |
| Net interest margin | 3.2819% | 4,201 |
| Noninterest income to average assets | 0.0538% | 5,759 |
| Noninterest expense to average assets | 2.7396% | 3,225 |
| Loan and lease loss provision to assets | 0.0199% | 3,970 |
| Net operating income to assets | 0.2518% | 5,317 |
| Return on assets (ROA) | 0.2630% | 5,364 |
| Pretax return on assets | 0.3746% | 5,258 |
| Return on Equity (ROE) | 1.8727% | 5,431 |
| Retained earnings to average equity (ytd only) | 1.8727% | 4,466 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8594% | 691 |
| Assets per employee ($millions) | 5.0724% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 4,799 |
| Loan loss allowance to noncurrent loans | 119.2171% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.7196% | 2,574 |
| Noncurrent loans to loans | 0.7507% | 2,652 |
| Net loans and leases to total assets | 73.1350% | 1,990 |
| Net loans and leases to deposits | 96.2733% | 969 |
| Net loans and leases to core deposits | 106.2130% | 1,116 |
| Total domestic deposits to total assets | 75.9660% | 5,242 |
| Equity capital to assets | 14.0210% | 882 |
| Core capital (leverage) ratio | 13.9728% | 823 |
| Tier 1 risk-based capital ratio | 28.1140% | 560 |
| Total risk-based capital ratio | 29.3632% | 553 |
| Memoranda: | ||
| Average total assets | $50,189,000 | 5,340 |
| Average earning assets | $46,862,400 | 5,314 |
| Average equity | $7,048,800 | 5,081 |
| Average total loans | $37,491,000 | 4,965 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 2,161 |
| Cost of funding earning assets | 0.9675% | 206 |
| Net interest margin | 3.3334% | 4,084 |
| Noninterest income to average assets | 0.0559% | 5,820 |
| Noninterest expense to average assets | 2.7809% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2525% | 5,387 |
| Return on assets (ROA) | 0.2664% | 5,431 |
| Pretax return on assets | 0.4075% | 5,292 |
| Return on Equity (ROE) | 1.8958% | 5,489 |
| Retained earnings to average equity (ytd only) | 1.8958% | 4,736 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8049% | 684 |
| Assets per employee ($millions) | 4.2361% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 5,024 |
| Loan loss allowance to noncurrent loans | 160.0985% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 3,219 |
| Noncurrent loans to loans | 0.5334% | 3,397 |
| Net loans and leases to total assets | 74.2313% | 1,829 |
| Net loans and leases to deposits | 97.8173% | 872 |
| Net loans and leases to core deposits | 107.8792% | 1,065 |
| Total domestic deposits to total assets | 75.8877% | 5,251 |
| Equity capital to assets | 13.9280% | 1,069 |
| Core capital (leverage) ratio | 13.9896% | 852 |
| Tier 1 risk-based capital ratio | 28.1556% | 577 |
| Total risk-based capital ratio | 29.4043% | 567 |
| Memoranda: | ||
| Average total assets | $50,055,250 | 5,397 |
| Average earning assets | $46,718,000 | 5,368 |
| Average equity | $7,033,000 | 5,135 |
| Average total loans | $37,505,750 | 5,007 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 2,078 |
| Cost of funding earning assets | 0.9432% | 229 |
| Net interest margin | 3.3809% | 3,965 |
| Noninterest income to average assets | 0.0562% | 5,902 |
| Noninterest expense to average assets | 2.8034% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2680% | 5,398 |
| Return on assets (ROA) | 0.2892% | 5,436 |
| Pretax return on assets | 0.4378% | 5,267 |
| Return on Equity (ROE) | 2.0521% | 5,498 |
| Retained earnings to average equity (ytd only) | 2.0521% | 4,539 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3592% | 765 |
| Assets per employee ($millions) | 3.8532% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 5,074 |
| Loan loss allowance to noncurrent loans | 386.9048% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,833 |
| Noncurrent loans to loans | 0.2238% | 4,538 |
| Net loans and leases to total assets | 74.2708% | 1,791 |
| Net loans and leases to deposits | 98.1765% | 873 |
| Net loans and leases to core deposits | 104.5762% | 1,277 |
| Total domestic deposits to total assets | 75.6503% | 5,331 |
| Equity capital to assets | 14.0764% | 998 |
| Core capital (leverage) ratio | 14.0609% | 805 |
| Tier 1 risk-based capital ratio | 28.7456% | 550 |
| Total risk-based capital ratio | 29.9971% | 543 |
| Memoranda: | ||
| Average total assets | $49,796,000 | 5,465 |
| Average earning assets | $46,436,670 | 5,438 |
| Average equity | $7,017,330 | 5,191 |
| Average total loans | $37,321,330 | 5,065 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 1,971 |
| Cost of funding earning assets | 0.9248% | 259 |
| Net interest margin | 3.4228% | 3,791 |
| Noninterest income to average assets | 0.0483% | 5,972 |
| Noninterest expense to average assets | 2.8520% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2833% | 5,349 |
| Return on assets (ROA) | 0.3303% | 5,295 |
| Pretax return on assets | 0.4512% | 5,210 |
| Return on Equity (ROE) | 2.3427% | 5,414 |
| Retained earnings to average equity (ytd only) | 2.3427% | 4,314 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0597% | 814 |
| Assets per employee ($millions) | 3.8642% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 5,148 |
| Loan loss allowance to noncurrent loans | 386.9048% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 4,899 |
| Noncurrent loans to loans | 0.2251% | 4,620 |
| Net loans and leases to total assets | 73.6379% | 1,790 |
| Net loans and leases to deposits | 97.0613% | 836 |
| Net loans and leases to core deposits | 103.3412% | 1,235 |
| Total domestic deposits to total assets | 75.8674% | 5,419 |
| Equity capital to assets | 13.9763% | 990 |
| Core capital (leverage) ratio | 14.1621% | 774 |
| Tier 1 risk-based capital ratio | 28.6946% | 565 |
| Total risk-based capital ratio | 29.9452% | 550 |
| Memoranda: | ||
| Average total assets | $49,648,500 | 5,519 |
| Average earning assets | $46,278,000 | 5,483 |
| Average equity | $7,000,500 | 5,232 |
| Average total loans | $37,218,000 | 5,105 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 1,849 |
| Cost of funding earning assets | 0.9290% | 249 |
| Net interest margin | 3.4869% | 3,568 |
| Noninterest income to average assets | 0.0540% | 5,995 |
| Noninterest expense to average assets | 3.2071% | 1,955 |
| Loan and lease loss provision to assets | 0.3377% | 460 |
| Net operating income to assets | -0.1801% | 5,960 |
| Return on assets (ROA) | -0.1619% | 5,969 |
| Pretax return on assets | -0.2118% | 5,966 |
| Return on Equity (ROE) | -1.1563% | 5,945 |
| Retained earnings to average equity (ytd only) | -1.1563% | 5,679 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9203% | 369 |
| Assets per employee ($millions) | 3.7740% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 5,178 |
| Loan loss allowance to noncurrent loans | 134.2975% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 3,664 |
| Noncurrent loans to loans | 0.6520% | 3,233 |
| Net loans and leases to total assets | 74.9949% | 1,574 |
| Net loans and leases to deposits | 99.4621% | 716 |
| Net loans and leases to core deposits | 103.8498% | 1,231 |
| Total domestic deposits to total assets | 75.4005% | 5,509 |
| Equity capital to assets | 14.2269% | 858 |
| Core capital (leverage) ratio | 14.0780% | 796 |
| Tier 1 risk-based capital ratio | 28.9410% | 556 |
| Total risk-based capital ratio | 30.1932% | 546 |
| Memoranda: | ||
| Average total assets | $50,045,200 | 5,538 |
| Average earning assets | $46,718,000 | 5,504 |
| Average equity | $7,005,000 | 5,242 |
| Average total loans | $36,834,400 | 5,127 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 1,803 |
| Cost of funding earning assets | 0.9314% | 244 |
| Net interest margin | 3.5014% | 3,526 |
| Noninterest income to average assets | 0.0530% | 6,085 |
| Noninterest expense to average assets | 3.3060% | 1,675 |
| Loan and lease loss provision to assets | 0.4481% | 244 |
| Net operating income to assets | -0.3377% | 6,099 |
| Return on assets (ROA) | -0.3128% | 6,099 |
| Pretax return on assets | -0.4003% | 6,117 |
| Return on Equity (ROE) | -2.2440% | 6,078 |
| Retained earnings to average equity (ytd only) | -2.2440% | 5,881 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5211% | 310 |
| Assets per employee ($millions) | 3.8096% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8841% | 5,261 |
| Loan loss allowance to noncurrent loans | 242.5373% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 4,683 |
| Noncurrent loans to loans | 0.3645% | 4,307 |
| Net loans and leases to total assets | 73.5689% | 1,809 |
| Net loans and leases to deposits | 97.5633% | 855 |
| Net loans and leases to core deposits | 101.8164% | 1,392 |
| Total domestic deposits to total assets | 75.4064% | 5,585 |
| Equity capital to assets | 14.0192% | 1,013 |
| Core capital (leverage) ratio | 13.9636% | 876 |
| Tier 1 risk-based capital ratio | 28.7352% | 583 |
| Total risk-based capital ratio | 29.9851% | 576 |
| Memoranda: | ||
| Average total assets | $50,291,000 | 5,606 |
| Average earning assets | $46,951,500 | 5,569 |
| Average equity | $7,011,250 | 5,309 |
| Average total loans | $36,763,250 | 5,186 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 1,670 |
| Cost of funding earning assets | 0.9321% | 246 |
| Net interest margin | 3.5249% | 3,392 |
| Noninterest income to average assets | 0.0554% | 6,155 |
| Noninterest expense to average assets | 3.2287% | 1,902 |
| Loan and lease loss provision to assets | 0.5500% | 172 |
| Net operating income to assets | -0.4185% | 6,167 |
| Return on assets (ROA) | -0.3878% | 6,172 |
| Pretax return on assets | -0.3996% | 6,167 |
| Return on Equity (ROE) | -2.7865% | 6,152 |
| Retained earnings to average equity (ytd only) | -2.7865% | 5,907 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4539% | 425 |
| Assets per employee ($millions) | 3.5736% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 5,589 |
| Loan loss allowance to noncurrent loans | 364.1975% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 4,921 |
| Noncurrent loans to loans | 0.2212% | 4,896 |
| Net loans and leases to total assets | 72.6130% | 1,882 |
| Net loans and leases to deposits | 96.1008% | 956 |
| Net loans and leases to core deposits | 100.2290% | 1,472 |
| Total domestic deposits to total assets | 75.5592% | 5,650 |
| Equity capital to assets | 13.9194% | 1,006 |
| Core capital (leverage) ratio | 13.7014% | 927 |
| Tier 1 risk-based capital ratio | 28.6844% | 603 |
| Total risk-based capital ratio | 29.8995% | 597 |
| Memoranda: | ||
| Average total assets | $50,546,330 | 5,658 |
| Average earning assets | $47,207,000 | 5,629 |
| Average equity | $7,034,000 | 5,351 |
| Average total loans | $36,764,330 | 5,232 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 1,402 |
| Cost of funding earning assets | 0.9280% | 246 |
| Net interest margin | 3.5938% | 3,029 |
| Noninterest income to average assets | 0.0551% | 6,213 |
| Noninterest expense to average assets | 3.1887% | 2,017 |
| Loan and lease loss provision to assets | 0.0472% | 2,987 |
| Net operating income to assets | 0.1260% | 5,834 |
| Return on assets (ROA) | 0.1260% | 5,895 |
| Pretax return on assets | 0.1732% | 5,863 |
| Return on Equity (ROE) | 0.9054% | 5,931 |
| Retained earnings to average equity (ytd only) | 0.9054% | 5,106 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5335% | 621 |
| Assets per employee ($millions) | 3.6408% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4405% | 6,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 5,570 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 71.8291% | 1,835 |
| Net loans and leases to deposits | 94.6731% | 924 |
| Net loans and leases to core deposits | 98.6368% | 1,416 |
| Total domestic deposits to total assets | 75.8706% | 5,746 |
| Equity capital to assets | 13.8844% | 1,020 |
| Core capital (leverage) ratio | 13.9492% | 841 |
| Tier 1 risk-based capital ratio | 28.8987% | 600 |
| Total risk-based capital ratio | 29.5602% | 623 |
| Memoranda: | ||
| Average total assets | $50,804,000 | 5,707 |
| Average earning assets | $47,415,500 | 5,673 |
| Average equity | $7,069,000 | 5,389 |
| Average total loans | $36,834,500 | 5,260 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5088% | 1,834 |
| Cost of funding earning assets | 0.9565% | 277 |
| Net interest margin | 3.5524% | 3,594 |
| Noninterest income to average assets | -0.0303% | 6,421 |
| Noninterest expense to average assets | 3.0691% | 2,626 |
| Loan and lease loss provision to assets | 0.0114% | 4,400 |
| Net operating income to assets | 0.1570% | 5,855 |
| Return on assets (ROA) | 0.1570% | 5,905 |
| Pretax return on assets | 0.2062% | 5,861 |
| Return on Equity (ROE) | 1.1821% | 5,947 |
| Retained earnings to average equity (ytd only) | 1.1821% | 5,246 |
| Net charge-offs to loans | 0.1049% | 3,011 |
| Credit loss provision to net charge-offs | 15.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | 2.8750% | 4,038 |
| Efficiency ratio | 93.3794% | 629 |
| Assets per employee ($millions) | 3.6169% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4228% | 6,315 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 4,942 |
| Noncurrent loans to loans | 0.2466% | 4,947 |
| Net loans and leases to total assets | 72.5537% | 1,821 |
| Net loans and leases to deposits | 95.8342% | 910 |
| Net loans and leases to core deposits | 99.1231% | 1,456 |
| Total domestic deposits to total assets | 75.7075% | 5,785 |
| Equity capital to assets | 13.9443% | 970 |
| Core capital (leverage) ratio | 13.9443% | 830 |
| Tier 1 risk-based capital ratio | 27.6533% | 632 |
| Total risk-based capital ratio | 28.2643% | 664 |
| Memoranda: | ||
| Average total assets | $52,850,200 | 5,724 |
| Average earning assets | $49,347,600 | 5,694 |
| Average equity | $7,021,200 | 5,406 |
| Average total loans | $38,144,000 | 5,250 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 1,842 |
| Cost of funding earning assets | 0.9544% | 301 |
| Net interest margin | 3.5528% | 3,618 |
| Noninterest income to average assets | -0.0574% | 6,513 |
| Noninterest expense to average assets | 3.0684% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1348% | 5,970 |
| Return on assets (ROA) | 0.1348% | 6,005 |
| Pretax return on assets | 0.1923% | 5,960 |
| Return on Equity (ROE) | 1.0269% | 6,024 |
| Retained earnings to average equity (ytd only) | 1.0269% | 5,475 |
| Net charge-offs to loans | 0.1387% | 2,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.9250% | 4,037 |
| Efficiency ratio | 94.1041% | 591 |
| Assets per employee ($millions) | 3.6843% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4005% | 6,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 5,799 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 72.3226% | 1,795 |
| Net loans and leases to deposits | 95.1002% | 950 |
| Net loans and leases to core deposits | 98.2822% | 1,508 |
| Total domestic deposits to total assets | 76.0489% | 5,808 |
| Equity capital to assets | 13.6332% | 1,130 |
| Core capital (leverage) ratio | 13.6332% | 953 |
| Tier 1 risk-based capital ratio | 27.1590% | 695 |
| Total risk-based capital ratio | 27.7383% | 732 |
| Memoranda: | ||
| Average total assets | $53,403,500 | 5,773 |
| Average earning assets | $49,875,000 | 5,746 |
| Average equity | $7,011,250 | 5,460 |
| Average total loans | $38,456,250 | 5,285 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 1,873 |
| Cost of funding earning assets | 0.9608% | 302 |
| Net interest margin | 3.5257% | 3,678 |
| Noninterest income to average assets | 0.0518% | 6,439 |
| Noninterest expense to average assets | 3.0623% | 2,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1926% | 5,858 |
| Return on assets (ROA) | 0.1926% | 5,908 |
| Pretax return on assets | 0.2777% | 5,824 |
| Return on Equity (ROE) | 1.4848% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.4848% | 5,149 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6851% | 784 |
| Assets per employee ($millions) | 3.8237% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4973% | 6,414 |
| Loan loss allowance to noncurrent loans | 46.0048% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7715% | 3,663 |
| Noncurrent loans to loans | 1.0810% | 3,068 |
| Net loans and leases to total assets | 71.0155% | 1,920 |
| Net loans and leases to deposits | 92.2539% | 1,118 |
| Net loans and leases to core deposits | 94.8172% | 1,699 |
| Total domestic deposits to total assets | 76.9783% | 5,804 |
| Equity capital to assets | 13.1323% | 1,305 |
| Core capital (leverage) ratio | 13.1323% | 1,115 |
| Tier 1 risk-based capital ratio | 26.5353% | 731 |
| Total risk-based capital ratio | 27.2525% | 759 |
| Memoranda: | ||
| Average total assets | $54,011,330 | 5,810 |
| Average earning assets | $50,373,670 | 5,777 |
| Average equity | $7,004,330 | 5,490 |
| Average total loans | $38,790,330 | 5,319 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 1,617 |
| Cost of funding earning assets | 0.9765% | 304 |
| Net interest margin | 3.5806% | 3,333 |
| Noninterest income to average assets | 0.0442% | 6,496 |
| Noninterest expense to average assets | 3.1115% | 2,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1991% | 5,803 |
| Return on assets (ROA) | 0.1991% | 5,851 |
| Pretax return on assets | 0.2581% | 5,810 |
| Return on Equity (ROE) | 1.5447% | 5,913 |
| Retained earnings to average equity (ytd only) | 1.5447% | 4,989 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3414% | 859 |
| Assets per employee ($millions) | 3.8254% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4877% | 6,515 |
| Loan loss allowance to noncurrent loans | 133.8028% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 5,384 |
| Noncurrent loans to loans | 0.3645% | 5,033 |
| Net loans and leases to total assets | 72.3910% | 1,520 |
| Net loans and leases to deposits | 93.8353% | 809 |
| Net loans and leases to core deposits | 97.0511% | 1,308 |
| Total domestic deposits to total assets | 77.1469% | 5,947 |
| Equity capital to assets | 13.0800% | 1,273 |
| Core capital (leverage) ratio | 13.0800% | 1,135 |
| Tier 1 risk-based capital ratio | 26.1069% | 783 |
| Total risk-based capital ratio | 26.8150% | 811 |
| Memoranda: | ||
| Average total assets | $54,251,000 | 5,861 |
| Average earning assets | $50,382,000 | 5,826 |
| Average equity | $6,991,500 | 5,524 |
| Average total loans | $39,082,500 | 5,354 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 2,088 |
| Cost of funding earning assets | 1.0953% | 295 |
| Net interest margin | 3.4362% | 4,142 |
| Noninterest income to average assets | 0.0698% | 6,485 |
| Noninterest expense to average assets | 2.8378% | 3,578 |
| Loan and lease loss provision to assets | 0.2040% | 1,820 |
| Net operating income to assets | 0.1467% | 5,947 |
| Return on assets (ROA) | 0.1467% | 6,015 |
| Pretax return on assets | 0.2165% | 5,907 |
| Return on Equity (ROE) | 1.1839% | 6,049 |
| Retained earnings to average equity (ytd only) | 1.1839% | 5,296 |
| Net charge-offs to loans | 0.2901% | 2,239 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.0614% | 4,360 |
| Efficiency ratio | 87.0950% | 1,305 |
| Assets per employee ($millions) | 3.9248% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4846% | 6,585 |
| Loan loss allowance to noncurrent loans | 56.2130% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 4,394 |
| Noncurrent loans to loans | 0.8621% | 3,825 |
| Net loans and leases to total assets | 71.0066% | 1,837 |
| Net loans and leases to deposits | 92.3762% | 1,016 |
| Net loans and leases to core deposits | 95.4660% | 1,492 |
| Total domestic deposits to total assets | 76.8668% | 5,993 |
| Equity capital to assets | 12.6995% | 1,423 |
| Core capital (leverage) ratio | 12.6995% | 1,258 |
| Tier 1 risk-based capital ratio | 25.2771% | 833 |
| Total risk-based capital ratio | 25.9654% | 871 |
| Memoranda: | ||
| Average total assets | $55,887,600 | 5,875 |
| Average earning assets | $51,859,000 | 5,840 |
| Average equity | $6,926,000 | 5,587 |
| Average total loans | $39,300,200 | 5,377 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 2,046 |
| Cost of funding earning assets | 1.1247% | 267 |
| Net interest margin | 3.4229% | 4,195 |
| Noninterest income to average assets | 0.0736% | 6,564 |
| Noninterest expense to average assets | 2.8247% | 3,577 |
| Loan and lease loss provision to assets | 0.2708% | 1,298 |
| Net operating income to assets | 0.0855% | 6,161 |
| Return on assets (ROA) | 0.0855% | 6,215 |
| Pretax return on assets | 0.1520% | 6,129 |
| Return on Equity (ROE) | 0.6943% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.6943% | 5,696 |
| Net charge-offs to loans | 0.3865% | 1,660 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 1.5614% | 4,317 |
| Efficiency ratio | 86.9788% | 1,259 |
| Assets per employee ($millions) | 3.9479% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4852% | 6,667 |
| Loan loss allowance to noncurrent loans | 42.5056% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 3,896 |
| Noncurrent loans to loans | 1.1416% | 3,521 |
| Net loans and leases to total assets | 70.4999% | 1,868 |
| Net loans and leases to deposits | 91.5576% | 1,016 |
| Net loans and leases to core deposits | 94.5937% | 1,514 |
| Total domestic deposits to total assets | 77.0006% | 6,046 |
| Equity capital to assets | 12.5418% | 1,560 |
| Core capital (leverage) ratio | 12.5418% | 1,402 |
| Tier 1 risk-based capital ratio | 25.0506% | 872 |
| Total risk-based capital ratio | 25.7372% | 916 |
| Memoranda: | ||
| Average total assets | $56,122,750 | 5,929 |
| Average earning assets | $52,040,500 | 5,902 |
| Average equity | $6,913,000 | 5,660 |
| Average total loans | $39,323,750 | 5,430 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5537% | 2,019 |
| Cost of funding earning assets | 1.1480% | 258 |
| Net interest margin | 3.4057% | 4,171 |
| Noninterest income to average assets | 0.0816% | 6,581 |
| Noninterest expense to average assets | 2.8365% | 3,560 |
| Loan and lease loss provision to assets | 0.2588% | 1,428 |
| Net operating income to assets | 0.1028% | 6,132 |
| Return on assets (ROA) | 0.1028% | 6,219 |
| Pretax return on assets | 0.1418% | 6,172 |
| Return on Equity (ROE) | 0.8398% | 6,245 |
| Retained earnings to average equity (ytd only) | 0.8398% | 5,563 |
| Net charge-offs to loans | 0.3707% | 1,719 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 1.5479% | 4,013 |
| Efficiency ratio | 87.6232% | 1,260 |
| Assets per employee ($millions) | 3.9869% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3957% | 6,774 |
| Loan loss allowance to noncurrent loans | 35.7143% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 1.0212% | 3,713 |
| Noncurrent loans to loans | 1.1079% | 3,716 |
| Net loans and leases to total assets | 69.9052% | 1,903 |
| Net loans and leases to deposits | 92.8206% | 899 |
| Net loans and leases to core deposits | 95.9665% | 1,364 |
| Total domestic deposits to total assets | 75.3122% | 6,325 |
| Equity capital to assets | 12.4066% | 1,638 |
| Core capital (leverage) ratio | 12.4066% | 1,406 |
| Tier 1 risk-based capital ratio | 24.8083% | 893 |
| Total risk-based capital ratio | 25.3636% | 965 |
| Memoranda: | ||
| Average total assets | $56,406,670 | 5,961 |
| Average earning assets | $52,264,670 | 5,929 |
| Average equity | $6,906,670 | 5,709 |
| Average total loans | $39,379,670 | 5,449 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 1,765 |
| Cost of funding earning assets | 1.1595% | 276 |
| Net interest margin | 3.4632% | 3,847 |
| Noninterest income to average assets | 0.0635% | 6,689 |
| Noninterest expense to average assets | 2.7795% | 3,766 |
| Loan and lease loss provision to assets | 0.5150% | 516 |
| Net operating income to assets | 0.0212% | 6,307 |
| Return on assets (ROA) | 0.0212% | 6,387 |
| Pretax return on assets | -0.0282% | 6,431 |
| Return on Equity (ROE) | 0.1740% | 6,392 |
| Retained earnings to average equity (ytd only) | 0.1740% | 5,725 |
| Net charge-offs to loans | 0.7396% | 823 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.9452% | 3,519 |
| Efficiency ratio | 85.0972% | 1,630 |
| Assets per employee ($millions) | 4.0327% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3967% | 6,854 |
| Loan loss allowance to noncurrent loans | 60.3113% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.1796% | 3,598 |
| Noncurrent loans to loans | 0.6578% | 4,807 |
| Net loans and leases to total assets | 68.9273% | 1,856 |
| Net loans and leases to deposits | 91.2234% | 871 |
| Net loans and leases to core deposits | 94.2640% | 1,326 |
| Total domestic deposits to total assets | 75.5588% | 6,407 |
| Equity capital to assets | 12.2197% | 1,896 |
| Core capital (leverage) ratio | 12.2197% | 1,449 |
| Tier 1 risk-based capital ratio | 24.1283% | 1,000 |
| Total risk-based capital ratio | 24.6704% | 1,076 |
| Memoranda: | ||
| Average total assets | $56,701,500 | 6,005 |
| Average earning assets | $52,437,500 | 5,967 |
| Average equity | $6,897,500 | 5,768 |
| Average total loans | $39,482,500 | 5,488 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 2,499 |
| Cost of funding earning assets | 1.2810% | 403 |
| Net interest margin | 3.4427% | 4,727 |
| Noninterest income to average assets | 0.1187% | 6,441 |
| Noninterest expense to average assets | 2.7103% | 4,365 |
| Loan and lease loss provision to assets | 0.1288% | 4,004 |
| Net operating income to assets | 0.3085% | 5,440 |
| Return on assets (ROA) | 0.3085% | 5,646 |
| Pretax return on assets | 0.4865% | 5,320 |
| Return on Equity (ROE) | 2.6780% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.6780% | 4,350 |
| Net charge-offs to loans | 0.1816% | 3,921 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 4.7763% | 3,259 |
| Efficiency ratio | 81.4985% | 1,946 |
| Assets per employee ($millions) | 4.3804% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3885% | 6,902 |
| Loan loss allowance to noncurrent loans | 16.5069% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 1.7315% | 2,798 |
| Noncurrent loans to loans | 2.3537% | 2,284 |
| Net loans and leases to total assets | 69.7866% | 1,886 |
| Net loans and leases to deposits | 94.4886% | 720 |
| Net loans and leases to core deposits | 97.6749% | 1,169 |
| Total domestic deposits to total assets | 73.8572% | 6,540 |
| Equity capital to assets | 12.1099% | 1,973 |
| Core capital (leverage) ratio | 12.1099% | 1,504 |
| Tier 1 risk-based capital ratio | 23.6310% | 1,014 |
| Total risk-based capital ratio | 24.1622% | 1,109 |
| Memoranda: | ||
| Average total assets | $58,996,400 | 5,945 |
| Average earning assets | $54,956,800 | 5,891 |
| Average equity | $6,796,200 | 5,819 |
| Average total loans | $41,844,400 | 5,427 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 2,520 |
| Cost of funding earning assets | 1.3006% | 438 |
| Net interest margin | 3.4666% | 4,775 |
| Noninterest income to average assets | 0.1210% | 6,532 |
| Noninterest expense to average assets | 2.7020% | 4,358 |
| Loan and lease loss provision to assets | 0.1680% | 3,437 |
| Net operating income to assets | 0.2666% | 5,726 |
| Return on assets (ROA) | 0.2666% | 5,924 |
| Pretax return on assets | 0.4817% | 5,511 |
| Return on Equity (ROE) | 2.3431% | 5,931 |
| Retained earnings to average equity (ytd only) | 2.3431% | 5,164 |
| Net charge-offs to loans | 0.2362% | 3,306 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 3.8666% | 3,482 |
| Efficiency ratio | 80.6150% | 1,998 |
| Assets per employee ($millions) | 4.4814% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3869% | 7,016 |
| Loan loss allowance to noncurrent loans | 23.3918% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 1.1741% | 3,943 |
| Noncurrent loans to loans | 1.6539% | 3,311 |
| Net loans and leases to total assets | 70.7148% | 1,780 |
| Net loans and leases to deposits | 94.9371% | 723 |
| Net loans and leases to core deposits | 98.0321% | 1,259 |
| Total domestic deposits to total assets | 74.4859% | 6,562 |
| Equity capital to assets | 11.7289% | 2,506 |
| Core capital (leverage) ratio | 11.7289% | 1,825 |
| Tier 1 risk-based capital ratio | 22.6995% | 1,221 |
| Total risk-based capital ratio | 23.2310% | 1,307 |
| Memoranda: | ||
| Average total assets | $59,509,250 | 5,999 |
| Average earning assets | $55,461,000 | 5,951 |
| Average equity | $6,771,250 | 5,887 |
| Average total loans | $42,331,750 | 5,475 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 2,676 |
| Cost of funding earning assets | 1.3281% | 464 |
| Net interest margin | 3.4329% | 4,956 |
| Noninterest income to average assets | 0.0901% | 6,717 |
| Noninterest expense to average assets | 2.6800% | 4,496 |
| Loan and lease loss provision to assets | 0.1435% | 3,723 |
| Net operating income to assets | 0.2570% | 5,745 |
| Return on assets (ROA) | 0.2570% | 5,936 |
| Pretax return on assets | 0.4672% | 5,523 |
| Return on Equity (ROE) | 2.2813% | 5,954 |
| Retained earnings to average equity (ytd only) | 2.2813% | 5,051 |
| Net charge-offs to loans | 0.2016% | 3,371 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 4.2558% | 3,133 |
| Efficiency ratio | 81.4402% | 1,971 |
| Assets per employee ($millions) | 4.5727% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3044% | 7,120 |
| Loan loss allowance to noncurrent loans | 11.6364% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 1.8504% | 2,968 |
| Noncurrent loans to loans | 2.6157% | 2,297 |
| Net loans and leases to total assets | 70.5291% | 1,820 |
| Net loans and leases to deposits | 95.1156% | 687 |
| Net loans and leases to core deposits | 98.1575% | 1,258 |
| Total domestic deposits to total assets | 74.1509% | 6,667 |
| Equity capital to assets | 11.4240% | 2,666 |
| Core capital (leverage) ratio | 11.4240% | 1,948 |
| Tier 1 risk-based capital ratio | 22.2291% | 1,249 |
| Total risk-based capital ratio | 22.6481% | 1,382 |
| Memoranda: | ||
| Average total assets | $59,926,330 | 6,029 |
| Average earning assets | $55,870,330 | 5,972 |
| Average equity | $6,750,670 | 5,913 |
| Average total loans | $42,656,670 | 5,483 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7903% | 2,679 |
| Cost of funding earning assets | 1.3473% | 525 |
| Net interest margin | 3.4430% | 4,940 |
| Noninterest income to average assets | 0.0997% | 6,749 |
| Noninterest expense to average assets | 2.6526% | 4,610 |
| Loan and lease loss provision to assets | 0.2659% | 2,331 |
| Net operating income to assets | 0.2194% | 5,925 |
| Return on assets (ROA) | 0.2194% | 6,067 |
| Pretax return on assets | 0.3922% | 5,744 |
| Return on Equity (ROE) | 1.9612% | 6,086 |
| Retained earnings to average equity (ytd only) | 1.9612% | 5,281 |
| Net charge-offs to loans | 0.3725% | 2,191 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 2.4750% | 3,183 |
| Efficiency ratio | 80.1205% | 2,186 |
| Assets per employee ($millions) | 4.6449% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2952% | 7,181 |
| Loan loss allowance to noncurrent loans | 18.9681% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 1.1410% | 4,227 |
| Noncurrent loans to loans | 1.5565% | 3,778 |
| Net loans and leases to total assets | 69.9092% | 1,769 |
| Net loans and leases to deposits | 94.7692% | 620 |
| Net loans and leases to core deposits | 97.7629% | 1,141 |
| Total domestic deposits to total assets | 73.7679% | 6,768 |
| Equity capital to assets | 11.1735% | 2,735 |
| Core capital (leverage) ratio | 11.1735% | 2,129 |
| Tier 1 risk-based capital ratio | 21.8279% | 1,313 |
| Total risk-based capital ratio | 22.2323% | 1,468 |
| Memoranda: | ||
| Average total assets | $60,167,000 | 6,058 |
| Average earning assets | $56,113,500 | 6,002 |
| Average equity | $6,730,500 | 5,956 |
| Average total loans | $42,958,000 | 5,510 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2368% | 1,922 |
| Cost of funding earning assets | 1.5871% | 499 |
| Net interest margin | 3.6497% | 4,525 |
| Noninterest income to average assets | 0.1944% | 6,110 |
| Noninterest expense to average assets | 2.8962% | 3,973 |
| Loan and lease loss provision to assets | 0.0102% | 6,406 |
| Net operating income to assets | 0.4025% | 4,849 |
| Return on assets (ROA) | 0.4025% | 5,027 |
| Pretax return on assets | 0.6652% | 4,453 |
| Return on Equity (ROE) | 3.5848% | 5,034 |
| Retained earnings to average equity (ytd only) | 3.5848% | 3,674 |
| Net charge-offs to loans | 0.0181% | 6,187 |
| Credit loss provision to net charge-offs | 75.0000% | 4,670 |
| Earnings coverage of net charge-offs (x) | 49.5000% | 567 |
| Efficiency ratio | 81.0888% | 2,152 |
| Assets per employee ($millions) | 3.9967% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2387% | 7,244 |
| Loan loss allowance to noncurrent loans | 38.6617% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 5,679 |
| Noncurrent loans to loans | 0.6173% | 5,478 |
| Net loans and leases to total assets | 72.5154% | 1,556 |
| Net loans and leases to deposits | 99.7247% | 471 |
| Net loans and leases to core deposits | 102.9337% | 971 |
| Total domestic deposits to total assets | 72.7156% | 6,834 |
| Equity capital to assets | 11.1993% | 2,794 |
| Core capital (leverage) ratio | 11.1993% | 2,117 |
| Tier 1 risk-based capital ratio | 21.2146% | 1,375 |
| Total risk-based capital ratio | 21.5432% | 1,548 |
| Memoranda: | ||
| Average total assets | $58,628,600 | 6,086 |
| Average earning assets | $54,251,000 | 6,039 |
| Average equity | $6,583,400 | 5,990 |
| Average total loans | $44,277,200 | 5,499 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3208% | 1,784 |
| Cost of funding earning assets | 1.6292% | 517 |
| Net interest margin | 3.6916% | 4,380 |
| Noninterest income to average assets | 0.1921% | 6,214 |
| Noninterest expense to average assets | 2.9274% | 3,808 |
| Loan and lease loss provision to assets | 0.0137% | 6,263 |
| Net operating income to assets | 0.3728% | 5,116 |
| Return on assets (ROA) | 0.3728% | 5,300 |
| Pretax return on assets | 0.6610% | 4,608 |
| Return on Equity (ROE) | 3.3176% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.3176% | 4,363 |
| Net charge-offs to loans | 0.0240% | 5,810 |
| Credit loss provision to net charge-offs | 75.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | 36.8622% | 816 |
| Efficiency ratio | 81.2698% | 2,081 |
| Assets per employee ($millions) | 3.9538% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2377% | 7,318 |
| Loan loss allowance to noncurrent loans | 88.8889% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 6,402 |
| Noncurrent loans to loans | 0.2674% | 6,337 |
| Net loans and leases to total assets | 73.5883% | 1,395 |
| Net loans and leases to deposits | 101.6253% | 408 |
| Net loans and leases to core deposits | 104.0630% | 980 |
| Total domestic deposits to total assets | 72.4114% | 6,905 |
| Equity capital to assets | 11.1977% | 2,965 |
| Core capital (leverage) ratio | 11.1977% | 2,233 |
| Tier 1 risk-based capital ratio | 21.2349% | 1,415 |
| Total risk-based capital ratio | 21.5674% | 1,582 |
| Memoranda: | ||
| Average total assets | $58,298,250 | 6,139 |
| Average earning assets | $53,850,500 | 6,101 |
| Average equity | $6,550,750 | 6,041 |
| Average total loans | $44,452,250 | 5,537 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3970% | 1,573 |
| Cost of funding earning assets | 1.6779% | 507 |
| Net interest margin | 3.7191% | 4,176 |
| Noninterest income to average assets | 0.1622% | 6,499 |
| Noninterest expense to average assets | 2.9778% | 3,723 |
| Loan and lease loss provision to assets | 0.0207% | 6,030 |
| Net operating income to assets | 0.3278% | 5,262 |
| Return on assets (ROA) | 0.3278% | 5,395 |
| Pretax return on assets | 0.5900% | 4,772 |
| Return on Equity (ROE) | 2.9138% | 5,427 |
| Retained earnings to average equity (ytd only) | 2.9138% | 4,430 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9808% | 1,961 |
| Assets per employee ($millions) | 3.8653% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2521% | 7,373 |
| Loan loss allowance to noncurrent loans | 88.1890% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 6,376 |
| Noncurrent loans to loans | 0.2859% | 6,346 |
| Net loans and leases to total assets | 76.4212% | 1,016 |
| Net loans and leases to deposits | 106.3127% | 256 |
| Net loans and leases to core deposits | 108.9342% | 761 |
| Total domestic deposits to total assets | 71.8834% | 7,011 |
| Equity capital to assets | 11.3367% | 2,653 |
| Core capital (leverage) ratio | 11.3367% | 2,023 |
| Tier 1 risk-based capital ratio | 21.0903% | 1,404 |
| Total risk-based capital ratio | 21.4497% | 1,550 |
| Memoranda: | ||
| Average total assets | $57,962,000 | 6,207 |
| Average earning assets | $53,399,670 | 6,166 |
| Average equity | $6,520,670 | 6,079 |
| Average total loans | $44,687,330 | 5,582 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 1,656 |
| Cost of funding earning assets | 1.7219% | 509 |
| Net interest margin | 3.6542% | 4,307 |
| Noninterest income to average assets | 0.1173% | 6,825 |
| Noninterest expense to average assets | 3.0369% | 3,500 |
| Loan and lease loss provision to assets | 0.0207% | 5,691 |
| Net operating income to assets | 0.2278% | 5,691 |
| Return on assets (ROA) | 0.2278% | 5,758 |
| Pretax return on assets | 0.4141% | 5,299 |
| Return on Equity (ROE) | 2.0325% | 5,775 |
| Retained earnings to average equity (ytd only) | 2.0325% | 4,918 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4751% | 1,570 |
| Assets per employee ($millions) | 3.8553% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3058% | 7,400 |
| Loan loss allowance to noncurrent loans | 114.1667% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 1.1742% | 4,599 |
| Noncurrent loans to loans | 0.2679% | 6,452 |
| Net loans and leases to total assets | 77.2277% | 842 |
| Net loans and leases to deposits | 107.6171% | 221 |
| Net loans and leases to core deposits | 110.2743% | 708 |
| Total domestic deposits to total assets | 71.7616% | 7,090 |
| Equity capital to assets | 11.2591% | 2,446 |
| Core capital (leverage) ratio | 11.2591% | 1,996 |
| Tier 1 risk-based capital ratio | 20.2111% | 1,542 |
| Total risk-based capital ratio | 20.6363% | 1,686 |
| Memoranda: | ||
| Average total assets | $57,953,000 | 6,260 |
| Average earning assets | $53,198,500 | 6,226 |
| Average equity | $6,494,500 | 6,095 |
| Average total loans | $44,820,500 | 5,619 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6124% | 1,849 |
| Cost of funding earning assets | 2.0004% | 609 |
| Net interest margin | 3.6120% | 4,756 |
| Noninterest income to average assets | 0.3035% | 5,628 |
| Noninterest expense to average assets | 3.0050% | 3,837 |
| Loan and lease loss provision to assets | 0.1893% | 5,340 |
| Net operating income to assets | 0.2624% | 5,064 |
| Return on assets (ROA) | 0.3035% | 5,099 |
| Pretax return on assets | 0.4910% | 4,649 |
| Return on Equity (ROE) | 2.6607% | 5,105 |
| Retained earnings to average equity (ytd only) | 2.6607% | 3,999 |
| Net charge-offs to loans | 0.1996% | 5,096 |
| Credit loss provision to net charge-offs | 115.2174% | 3,755 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,210 |
| Efficiency ratio | 82.9882% | 2,053 |
| Assets per employee ($millions) | 3.8718% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2988% | 7,486 |
| Loan loss allowance to noncurrent loans | 78.8235% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 4,518 |
| Noncurrent loans to loans | 0.3791% | 6,289 |
| Net loans and leases to total assets | 76.9840% | 1,097 |
| Net loans and leases to deposits | 112.2464% | 199 |
| Net loans and leases to core deposits | 115.1251% | 669 |
| Total domestic deposits to total assets | 68.5848% | 7,305 |
| Equity capital to assets | 11.1542% | 2,548 |
| Core capital (leverage) ratio | 11.1542% | 2,046 |
| Tier 1 risk-based capital ratio | 21.4298% | 1,257 |
| Total risk-based capital ratio | 21.8730% | 1,361 |
| Memoranda: | ||
| Average total assets | $56,006,400 | 6,338 |
| Average earning assets | $51,439,400 | 6,312 |
| Average equity | $6,389,400 | 6,237 |
| Average total loans | $46,099,000 | 5,637 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6697% | 1,811 |
| Cost of funding earning assets | 2.0382% | 666 |
| Net interest margin | 3.6316% | 4,721 |
| Noninterest income to average assets | 0.2691% | 5,966 |
| Noninterest expense to average assets | 3.0035% | 3,729 |
| Loan and lease loss provision to assets | 0.2475% | 4,614 |
| Net operating income to assets | 0.1897% | 5,537 |
| Return on assets (ROA) | 0.2451% | 5,524 |
| Pretax return on assets | 0.4397% | 5,113 |
| Return on Equity (ROE) | 2.1359% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.1359% | 4,898 |
| Net charge-offs to loans | 0.2643% | 4,362 |
| Credit loss provision to net charge-offs | 111.9565% | 3,780 |
| Earnings coverage of net charge-offs (x) | 2.7175% | 3,788 |
| Efficiency ratio | 83.3333% | 1,908 |
| Assets per employee ($millions) | 3.8045% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2818% | 7,601 |
| Loan loss allowance to noncurrent loans | 121.2963% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 1.2547% | 4,643 |
| Noncurrent loans to loans | 0.2323% | 6,715 |
| Net loans and leases to total assets | 81.2431% | 591 |
| Net loans and leases to deposits | 119.4522% | 120 |
| Net loans and leases to core deposits | 121.7292% | 561 |
| Total domestic deposits to total assets | 68.0130% | 7,378 |
| Equity capital to assets | 11.2324% | 2,745 |
| Core capital (leverage) ratio | 11.2324% | 2,113 |
| Tier 1 risk-based capital ratio | 20.5140% | 1,445 |
| Total risk-based capital ratio | 20.9332% | 1,575 |
| Memoranda: | ||
| Average total assets | $55,488,750 | 6,431 |
| Average earning assets | $50,959,500 | 6,401 |
| Average equity | $6,367,250 | 6,330 |
| Average total loans | $46,412,750 | 5,712 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6975% | 1,775 |
| Cost of funding earning assets | 2.0772% | 716 |
| Net interest margin | 3.6203% | 4,733 |
| Noninterest income to average assets | 0.1747% | 6,654 |
| Noninterest expense to average assets | 3.0166% | 3,646 |
| Loan and lease loss provision to assets | 0.0073% | 6,818 |
| Net operating income to assets | 0.2582% | 5,343 |
| Return on assets (ROA) | 0.3421% | 5,175 |
| Pretax return on assets | 0.6113% | 4,533 |
| Return on Equity (ROE) | 2.9592% | 5,248 |
| Retained earnings to average equity (ytd only) | 2.9592% | 4,241 |
| Net charge-offs to loans | -0.0043% | 7,100 |
| Credit loss provision to net charge-offs | -200.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0852% | 1,699 |
| Assets per employee ($millions) | 3.6947% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2590% | 7,682 |
| Loan loss allowance to noncurrent loans | 22.5275% | 6,814 |
| Noncurrent assets plus other real estate owned to assets | 1.2126% | 4,713 |
| Noncurrent loans to loans | 1.1496% | 5,041 |
| Net loans and leases to total assets | 85.4746% | 258 |
| Net loans and leases to deposits | 127.7508% | 80 |
| Net loans and leases to core deposits | 129.3979% | 428 |
| Total domestic deposits to total assets | 66.9073% | 7,487 |
| Equity capital to assets | 11.5518% | 2,398 |
| Core capital (leverage) ratio | 11.5518% | 1,882 |
| Tier 1 risk-based capital ratio | 20.7305% | 1,389 |
| Total risk-based capital ratio | 21.1288% | 1,501 |
| Memoranda: | ||
| Average total assets | $54,962,670 | 6,494 |
| Average earning assets | $50,548,670 | 6,458 |
| Average equity | $6,353,000 | 6,354 |
| Average total loans | $46,385,670 | 5,744 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7008% | 1,779 |
| Cost of funding earning assets | 2.1149% | 771 |
| Net interest margin | 3.5858% | 4,787 |
| Noninterest income to average assets | 0.0731% | 7,342 |
| Noninterest expense to average assets | 3.0767% | 3,359 |
| Loan and lease loss provision to assets | 0.0219% | 6,432 |
| Net operating income to assets | 0.1313% | 5,923 |
| Return on assets (ROA) | 0.2996% | 5,435 |
| Pretax return on assets | 0.5335% | 4,842 |
| Return on Equity (ROE) | 2.5915% | 5,523 |
| Retained earnings to average equity (ytd only) | 2.5915% | 4,585 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3232% | 1,328 |
| Assets per employee ($millions) | 3.6567% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2713% | 7,768 |
| Loan loss allowance to noncurrent loans | 22.7106% | 6,867 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 4,541 |
| Noncurrent loans to loans | 1.1945% | 4,973 |
| Net loans and leases to total assets | 83.1088% | 464 |
| Net loans and leases to deposits | 124.5553% | 103 |
| Net loans and leases to core deposits | 124.5553% | 632 |
| Total domestic deposits to total assets | 66.7244% | 7,587 |
| Equity capital to assets | 11.5750% | 2,310 |
| Core capital (leverage) ratio | 11.5750% | 1,868 |
| Tier 1 risk-based capital ratio | 21.1260% | 1,321 |
| Total risk-based capital ratio | 21.5386% | 1,437 |
| Memoranda: | ||
| Average total assets | $54,734,000 | 6,579 |
| Average earning assets | $50,309,000 | 6,537 |
| Average equity | $6,328,500 | 6,404 |
| Average total loans | $45,832,000 | 5,847 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7874% | 2,707 |
| Cost of funding earning assets | 2.6090% | 760 |
| Net interest margin | 3.1783% | 6,162 |
| Noninterest income to average assets | 0.1539% | 6,963 |
| Noninterest expense to average assets | 2.7078% | 5,354 |
| Loan and lease loss provision to assets | 0.0453% | 7,107 |
| Net operating income to assets | 0.2226% | 4,827 |
| Return on assets (ROA) | 0.2226% | 4,893 |
| Pretax return on assets | 0.3312% | 4,683 |
| Return on Equity (ROE) | 1.9729% | 4,917 |
| Retained earnings to average equity (ytd only) | 1.9729% | 3,719 |
| Net charge-offs to loans | 0.0022% | 7,222 |
| Credit loss provision to net charge-offs | 2,500.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 208.0000% | 134 |
| Efficiency ratio | 87.7934% | 1,898 |
| Assets per employee ($millions) | 3.6411% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2698% | 7,838 |
| Loan loss allowance to noncurrent loans | 22.7523% | 6,928 |
| Noncurrent assets plus other real estate owned to assets | 1.3512% | 4,396 |
| Noncurrent loans to loans | 1.1860% | 4,958 |
| Net loans and leases to total assets | 83.9116% | 441 |
| Net loans and leases to deposits | 129.2515% | 96 |
| Net loans and leases to core deposits | 146.7170% | 594 |
| Total domestic deposits to total assets | 64.9212% | 7,676 |
| Equity capital to assets | 11.5495% | 2,282 |
| Core capital (leverage) ratio | 11.5495% | 1,889 |
| Tier 1 risk-based capital ratio | 20.9673% | 1,299 |
| Total risk-based capital ratio | 21.3794% | 1,404 |
| Memoranda: | ||
| Average total assets | $55,248,400 | 6,521 |
| Average earning assets | $50,938,400 | 6,497 |
| Average equity | $6,234,600 | 6,520 |
| Average total loans | $45,968,200 | 5,838 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8079% | 2,855 |
| Cost of funding earning assets | 2.6888% | 811 |
| Net interest margin | 3.1191% | 6,258 |
| Noninterest income to average assets | 0.0698% | 7,564 |
| Noninterest expense to average assets | 2.6422% | 5,553 |
| Loan and lease loss provision to assets | 0.0433% | 6,937 |
| Net operating income to assets | 0.1588% | 5,291 |
| Return on assets (ROA) | 0.1588% | 5,348 |
| Pretax return on assets | 0.2623% | 5,160 |
| Return on Equity (ROE) | 1.4156% | 5,366 |
| Retained earnings to average equity (ytd only) | 1.4156% | 4,525 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6327% | 1,722 |
| Assets per employee ($millions) | 3.7081% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2710% | 7,925 |
| Loan loss allowance to noncurrent loans | 953.8462% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 6,438 |
| Noncurrent loans to loans | 0.0284% | 7,449 |
| Net loans and leases to total assets | 82.0413% | 808 |
| Net loans and leases to deposits | 126.9523% | 128 |
| Net loans and leases to core deposits | 144.5638% | 742 |
| Total domestic deposits to total assets | 64.6237% | 7,742 |
| Equity capital to assets | 11.2384% | 2,805 |
| Core capital (leverage) ratio | 11.2384% | 2,231 |
| Tier 1 risk-based capital ratio | 20.7131% | 1,417 |
| Total risk-based capital ratio | 21.1240% | 1,543 |
| Memoranda: | ||
| Average total assets | $55,406,250 | 6,565 |
| Average earning assets | $51,124,750 | 6,534 |
| Average equity | $6,216,250 | 6,587 |
| Average total loans | $45,971,750 | 5,886 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8356% | 2,876 |
| Cost of funding earning assets | 2.8022% | 785 |
| Net interest margin | 3.0334% | 6,456 |
| Noninterest income to average assets | 0.0976% | 7,494 |
| Noninterest expense to average assets | 2.6168% | 5,673 |
| Loan and lease loss provision to assets | 0.0651% | 6,557 |
| Net operating income to assets | 0.1410% | 5,450 |
| Return on assets (ROA) | 0.1410% | 5,542 |
| Pretax return on assets | 0.2132% | 5,429 |
| Return on Equity (ROE) | 1.2571% | 5,555 |
| Retained earnings to average equity (ytd only) | 1.2571% | 4,649 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3870% | 1,773 |
| Assets per employee ($millions) | 3.9524% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2682% | 8,016 |
| Loan loss allowance to noncurrent loans | 59.3301% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 5,753 |
| Noncurrent loans to loans | 0.4521% | 6,393 |
| Net loans and leases to total assets | 83.3264% | 738 |
| Net loans and leases to deposits | 130.3747% | 120 |
| Net loans and leases to core deposits | 147.1516% | 725 |
| Total domestic deposits to total assets | 63.9130% | 7,834 |
| Equity capital to assets | 11.2483% | 2,717 |
| Core capital (leverage) ratio | 11.2483% | 2,226 |
| Tier 1 risk-based capital ratio | 20.5054% | 1,484 |
| Total risk-based capital ratio | 20.9139% | 1,601 |
| Memoranda: | ||
| Average total assets | $55,334,330 | 6,623 |
| Average earning assets | $51,031,330 | 6,595 |
| Average equity | $6,204,670 | 6,641 |
| Average total loans | $46,043,330 | 5,930 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8354% | 3,115 |
| Cost of funding earning assets | 2.8550% | 859 |
| Net interest margin | 2.9805% | 6,528 |
| Noninterest income to average assets | 0.0506% | 7,826 |
| Noninterest expense to average assets | 2.5445% | 5,669 |
| Loan and lease loss provision to assets | 0.0578% | 6,236 |
| Net operating income to assets | 0.1446% | 5,837 |
| Return on assets (ROA) | 0.1446% | 6,009 |
| Pretax return on assets | 0.1952% | 5,949 |
| Return on Equity (ROE) | 1.2914% | 6,040 |
| Retained earnings to average equity (ytd only) | 1.2914% | 5,119 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9561% | 1,652 |
| Assets per employee ($millions) | 3.7011% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2553% | 8,065 |
| Loan loss allowance to noncurrent loans | 131.1111% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 5,797 |
| Noncurrent loans to loans | 0.1947% | 6,975 |
| Net loans and leases to total assets | 83.0322% | 837 |
| Net loans and leases to deposits | 132.3182% | 130 |
| Net loans and leases to core deposits | 149.6996% | 719 |
| Total domestic deposits to total assets | 62.7519% | 7,888 |
| Equity capital to assets | 11.1768% | 2,830 |
| Core capital (leverage) ratio | 11.1768% | 2,362 |
| Tier 1 risk-based capital ratio | 20.2157% | 1,576 |
| Total risk-based capital ratio | 20.6001% | 1,699 |
| Memoranda: | ||
| Average total assets | $55,335,000 | 6,657 |
| Average earning assets | $50,999,000 | 6,619 |
| Average equity | $6,195,000 | 6,691 |
| Average total loans | $45,949,500 | 5,965 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9379% | 5,867 |
| Cost of funding earning assets | 3.3040% | 916 |
| Net interest margin | 2.6338% | 7,601 |
| Noninterest income to average assets | 0.0233% | 8,023 |
| Noninterest expense to average assets | 2.4076% | 6,364 |
| Loan and lease loss provision to assets | 0.2081% | 4,815 |
| Net operating income to assets | -0.1328% | 6,540 |
| Return on assets (ROA) | -0.1328% | 6,388 |
| Pretax return on assets | -0.1740% | 6,352 |
| Return on Equity (ROE) | -1.1925% | 6,390 |
| Retained earnings to average equity (ytd only) | -1.1925% | 5,653 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6040% | 1,036 |
| Assets per employee ($millions) | 3.9395% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2583% | 8,118 |
| Loan loss allowance to noncurrent loans | 118.0000% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 5,752 |
| Noncurrent loans to loans | 0.2189% | 6,734 |
| Net loans and leases to total assets | 82.6174% | 1,119 |
| Net loans and leases to deposits | 136.4251% | 134 |
| Net loans and leases to core deposits | 153.2506% | 742 |
| Total domestic deposits to total assets | 60.5588% | 7,943 |
| Equity capital to assets | 11.2143% | 2,873 |
| Core capital (leverage) ratio | 11.2143% | 2,420 |
| Tier 1 risk-based capital ratio | 20.2907% | 1,574 |
| Total risk-based capital ratio | 20.6778% | 1,681 |
| Memoranda: | ||
| Average total assets | $55,739,000 | 6,541 |
| Average earning assets | $51,180,000 | 6,543 |
| Average equity | $6,205,400 | 6,735 |
| Average total loans | $45,406,600 | 5,907 |