Home > Auburn Savings Bank, FSB > Performance and Condition Ratios
Auburn Savings Bank, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 2,973 |
| Cost of funding earning assets | 1.9080% | 1,055 |
| Net interest margin | 2.6605% | 3,882 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.8688% | 1,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.0661% | 4,417 |
| Return on assets (ROA) | -0.0661% | 4,402 |
| Pretax return on assets | -0.0817% | 4,396 |
| Return on Equity (ROE) | -1.1600% | 4,392 |
| Retained earnings to average equity (ytd only) | -1.1587% | 4,198 |
| Net charge-offs to loans | -0.0099% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 102.9319% | 162 |
| Assets per employee ($millions) | 6.2008% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,192 |
| Loan loss allowance to noncurrent loans | 338.5214% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 1,998 |
| Noncurrent loans to loans | 0.3026% | 2,101 |
| Net loans and leases to total assets | 79.7500% | 670 |
| Net loans and leases to deposits | 106.1158% | 289 |
| Net loans and leases to core deposits | 131.0092% | 382 |
| Total domestic deposits to total assets | 75.1500% | 4,019 |
| Equity capital to assets | 5.7336% | 4,291 |
| Core capital (leverage) ratio | 7.8723% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8172% | 2,299 |
| Memoranda: | ||
| Average total assets | $102,797,200 | 3,807 |
| Average earning assets | $97,539,200 | 3,770 |
| Average equity | $5,868,800 | 4,173 |
| Average total loans | $81,021,200 | 3,391 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 2,892 |
| Cost of funding earning assets | 1.7729% | 1,055 |
| Net interest margin | 2.7372% | 3,830 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.8848% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0352% | 4,448 |
| Return on assets (ROA) | -0.0352% | 4,430 |
| Pretax return on assets | -0.0418% | 4,421 |
| Return on Equity (ROE) | -0.6200% | 4,416 |
| Retained earnings to average equity (ytd only) | -0.6180% | 4,222 |
| Net charge-offs to loans | -0.0133% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 101.4692% | 162 |
| Assets per employee ($millions) | 5.9572% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 3,014 |
| Loan loss allowance to noncurrent loans | 329.5455% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 1,960 |
| Noncurrent loans to loans | 0.3252% | 2,069 |
| Net loans and leases to total assets | 79.3100% | 730 |
| Net loans and leases to deposits | 103.7417% | 362 |
| Net loans and leases to core deposits | 122.6855% | 491 |
| Total domestic deposits to total assets | 76.4500% | 3,975 |
| Equity capital to assets | 5.2670% | 4,198 |
| Core capital (leverage) ratio | 7.9126% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2681% | 2,178 |
| Memoranda: | ||
| Average total assets | $102,143,250 | 3,826 |
| Average earning assets | $96,788,000 | 3,787 |
| Average equity | $5,825,000 | 4,185 |
| Average total loans | $80,042,500 | 3,414 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4235% | 2,829 |
| Cost of funding earning assets | 1.6044% | 1,053 |
| Net interest margin | 2.8191% | 3,793 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.9287% | 1,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.0293% | 4,491 |
| Return on assets (ROA) | -0.0293% | 4,482 |
| Pretax return on assets | -0.0332% | 4,470 |
| Return on Equity (ROE) | -0.5000% | 4,457 |
| Retained earnings to average equity (ytd only) | -0.5009% | 4,161 |
| Net charge-offs to loans | -0.0201% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 101.1463% | 157 |
| Assets per employee ($millions) | 6.4993% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 3,075 |
| Loan loss allowance to noncurrent loans | 327.0677% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 1,921 |
| Noncurrent loans to loans | 0.3280% | 1,954 |
| Net loans and leases to total assets | 77.1400% | 922 |
| Net loans and leases to deposits | 102.0312% | 431 |
| Net loans and leases to core deposits | 118.5351% | 554 |
| Total domestic deposits to total assets | 75.6100% | 4,074 |
| Equity capital to assets | 5.7093% | 4,232 |
| Core capital (leverage) ratio | 7.9091% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4329% | 2,123 |
| Memoranda: | ||
| Average total assets | $102,433,333 | 3,839 |
| Average earning assets | $96,981,667 | 3,803 |
| Average equity | $5,988,667 | 4,195 |
| Average total loans | $79,659,667 | 3,420 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 2,533 |
| Cost of funding earning assets | 1.4000% | 1,021 |
| Net interest margin | 3.0078% | 3,582 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.9669% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0748% | 4,442 |
| Return on assets (ROA) | 0.0748% | 4,421 |
| Pretax return on assets | 0.0984% | 4,405 |
| Return on Equity (ROE) | 1.2600% | 4,362 |
| Retained earnings to average equity (ytd only) | 1.2636% | 3,828 |
| Net charge-offs to loans | -0.0051% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 96.7908% | 210 |
| Assets per employee ($millions) | 5.6524% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,099 |
| Loan loss allowance to noncurrent loans | 320.0000% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 1,812 |
| Noncurrent loans to loans | 0.3411% | 1,920 |
| Net loans and leases to total assets | 76.9500% | 877 |
| Net loans and leases to deposits | 98.3161% | 521 |
| Net loans and leases to core deposits | 113.6223% | 594 |
| Total domestic deposits to total assets | 78.2700% | 3,975 |
| Equity capital to assets | 6.0230% | 4,193 |
| Core capital (leverage) ratio | 8.0550% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7641% | 2,062 |
| Memoranda: | ||
| Average total assets | $101,655,500 | 3,893 |
| Average earning assets | $96,283,000 | 3,860 |
| Average equity | $6,014,500 | 4,241 |
| Average total loans | $78,944,000 | 3,466 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 1,571 |
| Cost of funding earning assets | 0.5879% | 949 |
| Net interest margin | 3.4674% | 2,047 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 3.4321% | 528 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.0982% | 4,509 |
| Return on assets (ROA) | 0.0982% | 4,497 |
| Pretax return on assets | 0.1282% | 4,490 |
| Return on Equity (ROE) | 1.4300% | 4,444 |
| Retained earnings to average equity (ytd only) | 1.4300% | 4,116 |
| Net charge-offs to loans | 0.0591% | 1,059 |
| Credit loss provision to net charge-offs | 88.8889% | 1,640 |
| Earnings coverage of net charge-offs (x) | 3.6444% | 2,456 |
| Efficiency ratio | 95.2914% | 209 |
| Assets per employee ($millions) | 5.9745% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 2,916 |
| Loan loss allowance to noncurrent loans | 236.8132% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 1,426 |
| Noncurrent loans to loans | 0.4624% | 1,550 |
| Net loans and leases to total assets | 76.6600% | 943 |
| Net loans and leases to deposits | 95.8139% | 652 |
| Net loans and leases to core deposits | 108.9812% | 637 |
| Total domestic deposits to total assets | 80.0100% | 3,877 |
| Equity capital to assets | 5.8100% | 4,153 |
| Core capital (leverage) ratio | 8.7314% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6623% | 2,102 |
| Memoranda: | ||
| Average total assets | $96,705,200 | 3,955 |
| Average earning assets | $91,856,000 | 3,919 |
| Average equity | $6,643,400 | 4,258 |
| Average total loans | $76,140,600 | 3,469 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9789% | 1,306 |
| Cost of funding earning assets | 0.4406% | 1,025 |
| Net interest margin | 3.5383% | 1,550 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 3.5158% | 485 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.1005% | 4,544 |
| Return on assets (ROA) | 0.1005% | 4,514 |
| Pretax return on assets | 0.1257% | 4,503 |
| Return on Equity (ROE) | 1.4100% | 4,462 |
| Retained earnings to average equity (ytd only) | 1.4057% | 4,155 |
| Net charge-offs to loans | 0.0812% | 731 |
| Credit loss provision to net charge-offs | 86.9565% | 1,391 |
| Earnings coverage of net charge-offs (x) | 2.8261% | 2,230 |
| Efficiency ratio | 95.0906% | 214 |
| Assets per employee ($millions) | 4.9396% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 3,009 |
| Loan loss allowance to noncurrent loans | 222.4806% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3917% | 1,383 |
| Noncurrent loans to loans | 0.4956% | 1,559 |
| Net loans and leases to total assets | 78.1700% | 690 |
| Net loans and leases to deposits | 94.7009% | 610 |
| Net loans and leases to core deposits | 105.0726% | 613 |
| Total domestic deposits to total assets | 82.5400% | 3,747 |
| Equity capital to assets | 5.8061% | 4,031 |
| Core capital (leverage) ratio | 8.7053% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8047% | 2,128 |
| Memoranda: | ||
| Average total assets | $95,489,750 | 3,993 |
| Average earning assets | $90,776,000 | 3,951 |
| Average equity | $6,829,000 | 4,280 |
| Average total loans | $75,493,750 | 3,486 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 1,147 |
| Cost of funding earning assets | 0.3588% | 1,198 |
| Net interest margin | 3.5215% | 1,262 |
| Noninterest income to average assets | 0.3623% | 2,974 |
| Noninterest expense to average assets | 3.4983% | 442 |
| Loan and lease loss provision to assets | 0.0848% | 1,170 |
| Net operating income to assets | 0.0975% | 4,514 |
| Return on assets (ROA) | 0.0975% | 4,482 |
| Pretax return on assets | 0.1271% | 4,465 |
| Return on Equity (ROE) | 1.2790% | 4,427 |
| Retained earnings to average equity (ytd only) | 1.2790% | 3,929 |
| Net charge-offs to loans | 0.1260% | 500 |
| Credit loss provision to net charge-offs | 85.1064% | 1,364 |
| Earnings coverage of net charge-offs (x) | 2.1277% | 2,041 |
| Efficiency ratio | 94.2890% | 284 |
| Assets per employee ($millions) | 4.9106% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,106 |
| Loan loss allowance to noncurrent loans | 210.7843% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 1,362 |
| Noncurrent loans to loans | 0.5289% | 1,567 |
| Net loans and leases to total assets | 77.6657% | 580 |
| Net loans and leases to deposits | 94.7434% | 486 |
| Net loans and leases to core deposits | 104.5463% | 489 |
| Total domestic deposits to total assets | 81.9747% | 4,005 |
| Equity capital to assets | 6.6804% | 3,942 |
| Core capital (leverage) ratio | 8.6777% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4365% | 2,318 |
| Memoranda: | ||
| Average total assets | $94,389,000 | 4,042 |
| Average earning assets | $89,734,333 | 4,010 |
| Average equity | $7,193,333 | 4,297 |
| Average total loans | $74,631,000 | 3,539 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 1,149 |
| Cost of funding earning assets | 0.3320% | 1,353 |
| Net interest margin | 3.4339% | 1,224 |
| Noninterest income to average assets | 0.2292% | 3,779 |
| Noninterest expense to average assets | 3.4863% | 422 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0043% | 4,548 |
| Return on assets (ROA) | 0.0043% | 4,526 |
| Pretax return on assets | 0.0087% | 4,515 |
| Return on Equity (ROE) | 0.0533% | 4,526 |
| Retained earnings to average equity (ytd only) | 0.0533% | 4,004 |
| Net charge-offs to loans | -0.0109% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7525% | 248 |
| Assets per employee ($millions) | 4.8444% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 3,034 |
| Loan loss allowance to noncurrent loans | 143.3993% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 896 |
| Noncurrent loans to loans | 0.8118% | 1,166 |
| Net loans and leases to total assets | 80.1541% | 232 |
| Net loans and leases to deposits | 95.9139% | 284 |
| Net loans and leases to core deposits | 107.3885% | 318 |
| Total domestic deposits to total assets | 83.5687% | 3,852 |
| Equity capital to assets | 7.7648% | 3,755 |
| Core capital (leverage) ratio | 8.6292% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4674% | 2,004 |
| Memoranda: | ||
| Average total assets | $92,477,500 | 4,073 |
| Average earning assets | $87,945,500 | 4,046 |
| Average equity | $7,509,500 | 4,315 |
| Average total loans | $73,378,000 | 3,565 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 1,320 |
| Cost of funding earning assets | 0.5567% | 685 |
| Net interest margin | 3.4608% | 1,849 |
| Noninterest income to average assets | 0.4565% | 2,780 |
| Noninterest expense to average assets | 3.3674% | 573 |
| Loan and lease loss provision to assets | 0.0438% | 2,182 |
| Net operating income to assets | 0.2595% | 4,466 |
| Return on assets (ROA) | 0.2595% | 4,486 |
| Pretax return on assets | 0.3366% | 4,452 |
| Return on Equity (ROE) | 3.1767% | 4,334 |
| Retained earnings to average equity (ytd only) | 3.1767% | 3,556 |
| Net charge-offs to loans | 0.0118% | 2,123 |
| Credit loss provision to net charge-offs | 466.6667% | 829 |
| Earnings coverage of net charge-offs (x) | 40.5556% | 1,430 |
| Efficiency ratio | 89.8498% | 336 |
| Assets per employee ($millions) | 4.4243% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,875 |
| Loan loss allowance to noncurrent loans | 109.4697% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.8524% | 687 |
| Noncurrent loans to loans | 1.0983% | 883 |
| Net loans and leases to total assets | 76.6788% | 465 |
| Net loans and leases to deposits | 90.5271% | 545 |
| Net loans and leases to core deposits | 101.5262% | 471 |
| Total domestic deposits to total assets | 84.7026% | 3,359 |
| Equity capital to assets | 8.4726% | 4,065 |
| Core capital (leverage) ratio | 8.4613% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9435% | 1,866 |
| Memoranda: | ||
| Average total assets | $95,950,600 | 4,032 |
| Average earning assets | $91,250,400 | 3,999 |
| Average equity | $7,838,400 | 4,343 |
| Average total loans | $76,253,200 | 3,536 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 1,510 |
| Cost of funding earning assets | 0.6089% | 615 |
| Net interest margin | 3.4027% | 2,144 |
| Noninterest income to average assets | 0.4867% | 2,682 |
| Noninterest expense to average assets | 3.2688% | 630 |
| Loan and lease loss provision to assets | 0.0507% | 1,982 |
| Net operating income to assets | 0.3102% | 4,507 |
| Return on assets (ROA) | 0.3102% | 4,530 |
| Pretax return on assets | 0.4026% | 4,489 |
| Return on Equity (ROE) | 3.8313% | 4,329 |
| Retained earnings to average equity (ytd only) | 3.8313% | 3,629 |
| Net charge-offs to loans | -0.0138% | 3,805 |
| Credit loss provision to net charge-offs | -462.5000% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8148% | 375 |
| Assets per employee ($millions) | 4.3667% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 3,140 |
| Loan loss allowance to noncurrent loans | 101.1507% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 766 |
| Noncurrent loans to loans | 1.1521% | 972 |
| Net loans and leases to total assets | 77.5992% | 423 |
| Net loans and leases to deposits | 92.6016% | 464 |
| Net loans and leases to core deposits | 108.2618% | 361 |
| Total domestic deposits to total assets | 83.7990% | 3,510 |
| Equity capital to assets | 8.1994% | 4,407 |
| Core capital (leverage) ratio | 8.3140% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5912% | 2,131 |
| Memoranda: | ||
| Average total assets | $96,710,500 | 4,072 |
| Average earning assets | $91,963,000 | 4,043 |
| Average equity | $7,830,000 | 4,408 |
| Average total loans | $77,289,000 | 3,573 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9360% | 1,721 |
| Cost of funding earning assets | 0.6404% | 607 |
| Net interest margin | 3.2955% | 2,451 |
| Noninterest income to average assets | 0.5179% | 2,544 |
| Noninterest expense to average assets | 3.2252% | 690 |
| Loan and lease loss provision to assets | 0.0433% | 2,145 |
| Net operating income to assets | 0.2951% | 4,532 |
| Return on assets (ROA) | 0.2951% | 4,552 |
| Pretax return on assets | 0.3817% | 4,519 |
| Return on Equity (ROE) | 3.6599% | 4,384 |
| Retained earnings to average equity (ytd only) | 3.6599% | 3,629 |
| Net charge-offs to loans | -0.0154% | 3,870 |
| Credit loss provision to net charge-offs | -350.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3550% | 387 |
| Assets per employee ($millions) | 5.2859% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 3,336 |
| Loan loss allowance to noncurrent loans | 98.6270% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.8702% | 895 |
| Noncurrent loans to loans | 1.1339% | 1,067 |
| Net loans and leases to total assets | 75.8914% | 598 |
| Net loans and leases to deposits | 92.6755% | 509 |
| Net loans and leases to core deposits | 109.3434% | 378 |
| Total domestic deposits to total assets | 81.8894% | 3,949 |
| Equity capital to assets | 7.8241% | 4,619 |
| Core capital (leverage) ratio | 8.2386% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7939% | 2,056 |
| Memoranda: | ||
| Average total assets | $96,924,667 | 4,097 |
| Average earning assets | $92,124,667 | 4,064 |
| Average equity | $7,814,333 | 4,433 |
| Average total loans | $77,909,667 | 3,585 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 1,298 |
| Cost of funding earning assets | 0.6422% | 729 |
| Net interest margin | 3.4991% | 1,824 |
| Noninterest income to average assets | 0.5380% | 2,443 |
| Noninterest expense to average assets | 3.2993% | 610 |
| Loan and lease loss provision to assets | 0.0883% | 1,497 |
| Net operating income to assets | 0.3657% | 4,422 |
| Return on assets (ROA) | 0.3657% | 4,453 |
| Pretax return on assets | 0.4707% | 4,393 |
| Return on Equity (ROE) | 4.4658% | 4,195 |
| Retained earnings to average equity (ytd only) | 4.4658% | 3,373 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5120% | 531 |
| Assets per employee ($millions) | 5.8469% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 3,522 |
| Loan loss allowance to noncurrent loans | 95.9596% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.8964% | 965 |
| Noncurrent loans to loans | 1.1248% | 1,192 |
| Net loans and leases to total assets | 78.8334% | 411 |
| Net loans and leases to deposits | 97.4650% | 360 |
| Net loans and leases to core deposits | 114.9652% | 303 |
| Total domestic deposits to total assets | 80.8837% | 4,081 |
| Equity capital to assets | 7.8031% | 4,591 |
| Core capital (leverage) ratio | 8.9322% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2876% | 2,168 |
| Memoranda: | ||
| Average total assets | $95,170,500 | 4,126 |
| Average earning assets | $90,310,000 | 4,097 |
| Average equity | $7,792,500 | 4,452 |
| Average total loans | $78,323,500 | 3,597 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 1,066 |
| Cost of funding earning assets | 0.9921% | 610 |
| Net interest margin | 3.6272% | 2,049 |
| Noninterest income to average assets | 0.9529% | 1,141 |
| Noninterest expense to average assets | 3.6860% | 534 |
| Loan and lease loss provision to assets | 0.0846% | 3,321 |
| Net operating income to assets | 0.4765% | 4,080 |
| Return on assets (ROA) | 0.4765% | 4,162 |
| Pretax return on assets | 0.6204% | 4,037 |
| Return on Equity (ROE) | 5.4877% | 3,749 |
| Retained earnings to average equity (ytd only) | 5.4877% | 2,049 |
| Net charge-offs to loans | 0.0559% | 1,981 |
| Credit loss provision to net charge-offs | 176.1905% | 2,287 |
| Earnings coverage of net charge-offs (x) | 14.6905% | 2,203 |
| Efficiency ratio | 83.9448% | 637 |
| Assets per employee ($millions) | 4.7865% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,573 |
| Loan loss allowance to noncurrent loans | 91.3472% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.0039% | 945 |
| Noncurrent loans to loans | 1.1791% | 1,202 |
| Net loans and leases to total assets | 84.2277% | 165 |
| Net loans and leases to deposits | 106.1824% | 226 |
| Net loans and leases to core deposits | 119.5232% | 315 |
| Total domestic deposits to total assets | 79.3235% | 4,162 |
| Equity capital to assets | 8.6086% | 4,367 |
| Core capital (leverage) ratio | 9.0420% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3232% | 2,115 |
| Memoranda: | ||
| Average total assets | $87,520,000 | 4,149 |
| Average earning assets | $82,956,400 | 4,118 |
| Average equity | $7,598,800 | 4,467 |
| Average total loans | $75,132,800 | 3,644 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 1,278 |
| Cost of funding earning assets | 1.0905% | 556 |
| Net interest margin | 3.5182% | 2,527 |
| Noninterest income to average assets | 0.9800% | 1,060 |
| Noninterest expense to average assets | 3.6677% | 566 |
| Loan and lease loss provision to assets | 0.0773% | 3,353 |
| Net operating income to assets | 0.4385% | 4,189 |
| Return on assets (ROA) | 0.4385% | 4,256 |
| Pretax return on assets | 0.5708% | 4,155 |
| Return on Equity (ROE) | 5.0388% | 3,886 |
| Retained earnings to average equity (ytd only) | 5.0388% | 2,539 |
| Net charge-offs to loans | 0.0751% | 1,560 |
| Credit loss provision to net charge-offs | 119.0476% | 2,499 |
| Earnings coverage of net charge-offs (x) | 10.0238% | 2,383 |
| Efficiency ratio | 84.9911% | 559 |
| Assets per employee ($millions) | 4.6884% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,437 |
| Loan loss allowance to noncurrent loans | 87.0968% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 1,045 |
| Noncurrent loans to loans | 1.2103% | 1,254 |
| Net loans and leases to total assets | 85.3490% | 187 |
| Net loans and leases to deposits | 109.4196% | 238 |
| Net loans and leases to core deposits | 121.7130% | 380 |
| Total domestic deposits to total assets | 78.0015% | 4,204 |
| Equity capital to assets | 8.6575% | 4,366 |
| Core capital (leverage) ratio | 9.4082% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6209% | 1,958 |
| Memoranda: | ||
| Average total assets | $86,664,000 | 4,166 |
| Average earning assets | $82,161,750 | 4,131 |
| Average equity | $7,541,250 | 4,494 |
| Average total loans | $74,557,500 | 3,665 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 1,601 |
| Cost of funding earning assets | 1.2386% | 450 |
| Net interest margin | 3.3821% | 3,154 |
| Noninterest income to average assets | 0.9970% | 992 |
| Noninterest expense to average assets | 3.6828% | 589 |
| Loan and lease loss provision to assets | 0.0652% | 3,478 |
| Net operating income to assets | 0.3541% | 4,325 |
| Return on assets (ROA) | 0.3541% | 4,378 |
| Pretax return on assets | 0.4612% | 4,314 |
| Return on Equity (ROE) | 4.0618% | 4,083 |
| Retained earnings to average equity (ytd only) | 4.0618% | 2,871 |
| Net charge-offs to loans | -0.0054% | 4,039 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4931% | 477 |
| Assets per employee ($millions) | 4.6716% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 3,151 |
| Loan loss allowance to noncurrent loans | 98.8124% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.9486% | 1,281 |
| Noncurrent loans to loans | 1.0982% | 1,428 |
| Net loans and leases to total assets | 85.4416% | 161 |
| Net loans and leases to deposits | 113.9393% | 159 |
| Net loans and leases to core deposits | 126.9425% | 301 |
| Total domestic deposits to total assets | 74.9887% | 4,521 |
| Equity capital to assets | 8.5455% | 4,451 |
| Core capital (leverage) ratio | 9.1077% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6233% | 1,951 |
| Memoranda: | ||
| Average total assets | $85,859,000 | 4,180 |
| Average earning assets | $81,546,667 | 4,148 |
| Average equity | $7,484,333 | 4,519 |
| Average total loans | $73,797,333 | 3,687 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 1,490 |
| Cost of funding earning assets | 1.3686% | 455 |
| Net interest margin | 3.4066% | 3,279 |
| Noninterest income to average assets | 0.9004% | 1,065 |
| Noninterest expense to average assets | 3.4736% | 970 |
| Loan and lease loss provision to assets | 0.0474% | 3,185 |
| Net operating income to assets | 0.4739% | 3,960 |
| Return on assets (ROA) | 0.4739% | 4,015 |
| Pretax return on assets | 0.6113% | 3,901 |
| Return on Equity (ROE) | 5.3807% | 3,513 |
| Retained earnings to average equity (ytd only) | 5.3807% | 2,123 |
| Net charge-offs to loans | -0.0055% | 3,894 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0596% | 831 |
| Assets per employee ($millions) | 4.4537% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 3,006 |
| Loan loss allowance to noncurrent loans | 128.4360% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 1,807 |
| Noncurrent loans to loans | 0.8854% | 1,842 |
| Net loans and leases to total assets | 83.5311% | 297 |
| Net loans and leases to deposits | 104.9238% | 333 |
| Net loans and leases to core deposits | 119.2596% | 490 |
| Total domestic deposits to total assets | 79.6112% | 3,926 |
| Equity capital to assets | 8.9258% | 4,642 |
| Core capital (leverage) ratio | 8.8594% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6223% | 2,029 |
| Memoranda: | ||
| Average total assets | $84,408,500 | 4,204 |
| Average earning assets | $80,079,500 | 4,166 |
| Average equity | $7,434,000 | 4,558 |
| Average total loans | $72,361,000 | 3,718 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9269% | 1,676 |
| Cost of funding earning assets | 1.3597% | 634 |
| Net interest margin | 3.5671% | 3,237 |
| Noninterest income to average assets | 0.4206% | 3,173 |
| Noninterest expense to average assets | 3.3833% | 1,146 |
| Loan and lease loss provision to assets | 0.0223% | 3,577 |
| Net operating income to assets | 0.3015% | 4,744 |
| Return on assets (ROA) | 0.3015% | 4,780 |
| Pretax return on assets | 0.4032% | 4,705 |
| Return on Equity (ROE) | 3.3970% | 4,596 |
| Retained earnings to average equity (ytd only) | 3.3970% | 3,315 |
| Net charge-offs to loans | -0.0085% | 4,428 |
| Credit loss provision to net charge-offs | -300.0000% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8274% | 401 |
| Assets per employee ($millions) | 4.4314% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 2,977 |
| Loan loss allowance to noncurrent loans | 117.9412% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.8076% | 1,603 |
| Noncurrent loans to loans | 0.9286% | 1,649 |
| Net loans and leases to total assets | 86.0161% | 161 |
| Net loans and leases to deposits | 109.4648% | 199 |
| Net loans and leases to core deposits | 122.4665% | 415 |
| Total domestic deposits to total assets | 78.5788% | 4,259 |
| Equity capital to assets | 8.6880% | 4,834 |
| Core capital (leverage) ratio | 8.9518% | 4,563 |
| Tier 1 risk-based capital ratio | 14.0440% | 3,243 |
| Total risk-based capital ratio | 15.2964% | 3,151 |
| Memoranda: | ||
| Average total assets | $80,600,800 | 4,273 |
| Average earning assets | $76,559,800 | 4,239 |
| Average equity | $7,153,400 | 4,619 |
| Average total loans | $70,301,800 | 3,772 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9457% | 1,689 |
| Cost of funding earning assets | 1.3514% | 675 |
| Net interest margin | 3.5943% | 3,265 |
| Noninterest income to average assets | 0.4232% | 3,188 |
| Noninterest expense to average assets | 3.3742% | 1,130 |
| Loan and lease loss provision to assets | 0.0301% | 3,296 |
| Net operating income to assets | 0.3195% | 4,818 |
| Return on assets (ROA) | 0.3195% | 4,839 |
| Pretax return on assets | 0.4316% | 4,771 |
| Return on Equity (ROE) | 3.5802% | 4,657 |
| Retained earnings to average equity (ytd only) | 3.5802% | 3,611 |
| Net charge-offs to loans | -0.0383% | 4,777 |
| Credit loss provision to net charge-offs | -90.0000% | 4,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9634% | 399 |
| Assets per employee ($millions) | 4.2454% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,701 |
| Loan loss allowance to noncurrent loans | 120.1767% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 1,634 |
| Noncurrent loans to loans | 0.9681% | 1,656 |
| Net loans and leases to total assets | 85.9366% | 200 |
| Net loans and leases to deposits | 108.8005% | 246 |
| Net loans and leases to core deposits | 119.8192% | 544 |
| Total domestic deposits to total assets | 78.9854% | 4,190 |
| Equity capital to assets | 9.0388% | 4,763 |
| Core capital (leverage) ratio | 9.1424% | 4,519 |
| Tier 1 risk-based capital ratio | 13.4593% | 3,597 |
| Total risk-based capital ratio | 14.7127% | 3,501 |
| Memoranda: | ||
| Average total assets | $79,701,750 | 4,348 |
| Average earning assets | $75,672,500 | 4,311 |
| Average equity | $7,113,000 | 4,680 |
| Average total loans | $69,571,000 | 3,821 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 1,690 |
| Cost of funding earning assets | 1.3299% | 683 |
| Net interest margin | 3.5916% | 3,286 |
| Noninterest income to average assets | 0.3376% | 3,674 |
| Noninterest expense to average assets | 3.3408% | 1,209 |
| Loan and lease loss provision to assets | 0.0378% | 3,058 |
| Net operating income to assets | 0.2645% | 4,922 |
| Return on assets (ROA) | 0.2645% | 4,935 |
| Pretax return on assets | 0.3678% | 4,865 |
| Return on Equity (ROE) | 2.9772% | 4,795 |
| Retained earnings to average equity (ytd only) | 2.9772% | 3,725 |
| Net charge-offs to loans | -0.0577% | 4,861 |
| Credit loss provision to net charge-offs | -75.0000% | 3,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1728% | 382 |
| Assets per employee ($millions) | 4.4778% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 2,732 |
| Loan loss allowance to noncurrent loans | 165.2439% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 2,198 |
| Noncurrent loans to loans | 0.7027% | 2,220 |
| Net loans and leases to total assets | 85.8612% | 225 |
| Net loans and leases to deposits | 109.9173% | 224 |
| Net loans and leases to core deposits | 121.6599% | 499 |
| Total domestic deposits to total assets | 78.1144% | 4,372 |
| Equity capital to assets | 8.9068% | 4,849 |
| Core capital (leverage) ratio | 9.2597% | 4,397 |
| Tier 1 risk-based capital ratio | 13.3122% | 3,686 |
| Total risk-based capital ratio | 14.5649% | 3,578 |
| Memoranda: | ||
| Average total assets | $79,381,330 | 4,383 |
| Average earning assets | $75,341,670 | 4,348 |
| Average equity | $7,053,670 | 4,719 |
| Average total loans | $69,383,000 | 3,847 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8604% | 1,730 |
| Cost of funding earning assets | 1.3129% | 638 |
| Net interest margin | 3.5475% | 3,438 |
| Noninterest income to average assets | 0.3047% | 3,840 |
| Noninterest expense to average assets | 3.3058% | 1,274 |
| Loan and lease loss provision to assets | 0.0762% | 2,155 |
| Net operating income to assets | 0.2031% | 5,009 |
| Return on assets (ROA) | 0.2031% | 5,015 |
| Pretax return on assets | 0.2844% | 4,976 |
| Return on Equity (ROE) | 2.2887% | 4,928 |
| Retained earnings to average equity (ytd only) | 2.2887% | 3,985 |
| Net charge-offs to loans | -0.0405% | 4,768 |
| Credit loss provision to net charge-offs | -214.2857% | 3,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1662% | 387 |
| Assets per employee ($millions) | 4.4193% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 2,869 |
| Loan loss allowance to noncurrent loans | 182.6484% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 2,445 |
| Noncurrent loans to loans | 0.6285% | 2,442 |
| Net loans and leases to total assets | 86.6056% | 156 |
| Net loans and leases to deposits | 118.6215% | 100 |
| Net loans and leases to core deposits | 133.1626% | 269 |
| Total domestic deposits to total assets | 73.0100% | 4,996 |
| Equity capital to assets | 8.8450% | 4,788 |
| Core capital (leverage) ratio | 9.1740% | 4,497 |
| Tier 1 risk-based capital ratio | 13.2566% | 3,735 |
| Total risk-based capital ratio | 14.5135% | 3,636 |
| Memoranda: | ||
| Average total assets | $78,771,500 | 4,435 |
| Average earning assets | $74,644,000 | 4,400 |
| Average equity | $6,991,000 | 4,756 |
| Average total loans | $69,065,500 | 3,886 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 1,518 |
| Cost of funding earning assets | 1.0162% | 711 |
| Net interest margin | 3.7967% | 2,667 |
| Noninterest income to average assets | 0.3082% | 4,056 |
| Noninterest expense to average assets | 3.2828% | 1,362 |
| Loan and lease loss provision to assets | 0.0393% | 3,411 |
| Net operating income to assets | 0.4367% | 4,792 |
| Return on assets (ROA) | 0.4367% | 4,786 |
| Pretax return on assets | 0.5731% | 4,679 |
| Return on Equity (ROE) | 4.9145% | 4,474 |
| Retained earnings to average equity (ytd only) | 4.9145% | 2,816 |
| Net charge-offs to loans | 0.0805% | 1,985 |
| Credit loss provision to net charge-offs | 56.6038% | 3,132 |
| Earnings coverage of net charge-offs (x) | 8.8113% | 2,864 |
| Efficiency ratio | 84.2761% | 639 |
| Assets per employee ($millions) | 4.5879% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 2,892 |
| Loan loss allowance to noncurrent loans | 173.6607% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 2,323 |
| Noncurrent loans to loans | 0.6546% | 2,357 |
| Net loans and leases to total assets | 86.7492% | 190 |
| Net loans and leases to deposits | 125.1642% | 63 |
| Net loans and leases to core deposits | 139.6001% | 205 |
| Total domestic deposits to total assets | 69.3083% | 5,179 |
| Equity capital to assets | 8.9057% | 4,649 |
| Core capital (leverage) ratio | 9.1953% | 4,465 |
| Tier 1 risk-based capital ratio | 13.8066% | 3,380 |
| Total risk-based capital ratio | 15.0607% | 3,310 |
| Memoranda: | ||
| Average total assets | $76,245,400 | 4,496 |
| Average earning assets | $72,036,200 | 4,456 |
| Average equity | $6,775,800 | 4,781 |
| Average total loans | $65,810,600 | 3,969 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7675% | 1,503 |
| Cost of funding earning assets | 0.9520% | 743 |
| Net interest margin | 3.8155% | 2,591 |
| Noninterest income to average assets | 0.3131% | 4,055 |
| Noninterest expense to average assets | 3.2749% | 1,361 |
| Loan and lease loss provision to assets | 0.0264% | 3,483 |
| Net operating income to assets | 0.4749% | 4,813 |
| Return on assets (ROA) | 0.4749% | 4,814 |
| Pretax return on assets | 0.6138% | 4,707 |
| Return on Equity (ROE) | 5.3465% | 4,466 |
| Retained earnings to average equity (ytd only) | 5.3465% | 3,036 |
| Net charge-offs to loans | 0.0102% | 3,062 |
| Credit loss provision to net charge-offs | 300.0000% | 1,022 |
| Earnings coverage of net charge-offs (x) | 72.7616% | 934 |
| Efficiency ratio | 83.6478% | 667 |
| Assets per employee ($millions) | 4.5396% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,614 |
| Loan loss allowance to noncurrent loans | 179.0287% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 2,422 |
| Noncurrent loans to loans | 0.6712% | 2,401 |
| Net loans and leases to total assets | 86.4022% | 226 |
| Net loans and leases to deposits | 120.2286% | 100 |
| Net loans and leases to core deposits | 132.9876% | 283 |
| Total domestic deposits to total assets | 71.8649% | 5,138 |
| Equity capital to assets | 8.8229% | 4,700 |
| Core capital (leverage) ratio | 9.3407% | 4,350 |
| Tier 1 risk-based capital ratio | 13.7526% | 3,486 |
| Total risk-based capital ratio | 15.0090% | 3,403 |
| Memoranda: | ||
| Average total assets | $75,808,000 | 4,547 |
| Average earning assets | $71,565,750 | 4,507 |
| Average equity | $6,733,250 | 4,834 |
| Average total loans | $65,153,750 | 4,016 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 1,602 |
| Cost of funding earning assets | 0.8779% | 801 |
| Net interest margin | 3.7846% | 2,622 |
| Noninterest income to average assets | 0.2867% | 4,262 |
| Noninterest expense to average assets | 3.2089% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5096% | 4,730 |
| Return on assets (ROA) | 0.5096% | 4,736 |
| Pretax return on assets | 0.6476% | 4,647 |
| Return on Equity (ROE) | 5.7245% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.7245% | 2,711 |
| Net charge-offs to loans | 0.0186% | 2,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 1,277 |
| Efficiency ratio | 83.2072% | 745 |
| Assets per employee ($millions) | 4.1401% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,688 |
| Loan loss allowance to noncurrent loans | 173.9606% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 2,301 |
| Noncurrent loans to loans | 0.6918% | 2,377 |
| Net loans and leases to total assets | 82.9649% | 581 |
| Net loans and leases to deposits | 120.1550% | 103 |
| Net loans and leases to core deposits | 131.8324% | 296 |
| Total domestic deposits to total assets | 69.0482% | 5,308 |
| Equity capital to assets | 8.6027% | 4,872 |
| Core capital (leverage) ratio | 9.2381% | 4,427 |
| Tier 1 risk-based capital ratio | 13.3469% | 3,706 |
| Total risk-based capital ratio | 14.6011% | 3,627 |
| Memoranda: | ||
| Average total assets | $75,352,670 | 4,601 |
| Average earning assets | $71,077,330 | 4,567 |
| Average equity | $6,708,000 | 4,892 |
| Average total loans | $64,374,670 | 4,062 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6781% | 1,356 |
| Cost of funding earning assets | 0.8151% | 897 |
| Net interest margin | 3.8630% | 2,184 |
| Noninterest income to average assets | 0.3202% | 4,014 |
| Noninterest expense to average assets | 3.2728% | 1,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5590% | 4,546 |
| Return on assets (ROA) | 0.5590% | 4,548 |
| Pretax return on assets | 0.7001% | 4,446 |
| Return on Equity (ROE) | 6.1690% | 4,100 |
| Retained earnings to average equity (ytd only) | 6.1690% | 2,637 |
| Net charge-offs to loans | 0.1070% | 1,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.5882% | 2,073 |
| Efficiency ratio | 82.3770% | 913 |
| Assets per employee ($millions) | 4.3616% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,656 |
| Loan loss allowance to noncurrent loans | 169.3305% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 2,261 |
| Noncurrent loans to loans | 0.7236% | 2,400 |
| Net loans and leases to total assets | 85.2415% | 321 |
| Net loans and leases to deposits | 119.0014% | 126 |
| Net loans and leases to core deposits | 130.1404% | 341 |
| Total domestic deposits to total assets | 71.6307% | 5,306 |
| Equity capital to assets | 9.0361% | 4,520 |
| Core capital (leverage) ratio | 9.3218% | 4,293 |
| Tier 1 risk-based capital ratio | 14.5125% | 3,112 |
| Total risk-based capital ratio | 15.7687% | 3,019 |
| Memoranda: | ||
| Average total assets | $73,698,500 | 4,679 |
| Average earning assets | $69,686,000 | 4,646 |
| Average equity | $6,678,500 | 4,947 |
| Average total loans | $63,534,000 | 4,113 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 1,416 |
| Cost of funding earning assets | 0.6452% | 1,325 |
| Net interest margin | 3.9585% | 1,885 |
| Noninterest income to average assets | 0.2630% | 4,562 |
| Noninterest expense to average assets | 3.2666% | 1,444 |
| Loan and lease loss provision to assets | 0.0633% | 2,964 |
| Net operating income to assets | 0.4430% | 4,557 |
| Return on assets (ROA) | 0.4430% | 4,584 |
| Pretax return on assets | 0.7031% | 4,502 |
| Return on Equity (ROE) | 4.8317% | 4,229 |
| Retained earnings to average equity (ytd only) | 4.8317% | 2,233 |
| Net charge-offs to loans | -0.0837% | 5,330 |
| Credit loss provision to net charge-offs | -86.5385% | 4,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9972% | 1,017 |
| Assets per employee ($millions) | 4.5781% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,377 |
| Loan loss allowance to noncurrent loans | 137.6289% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7945% | 1,963 |
| Noncurrent loans to loans | 0.9226% | 1,937 |
| Net loans and leases to total assets | 85.0225% | 346 |
| Net loans and leases to deposits | 117.8477% | 130 |
| Net loans and leases to core deposits | 129.5886% | 349 |
| Total domestic deposits to total assets | 72.1461% | 5,313 |
| Equity capital to assets | 9.0881% | 4,630 |
| Core capital (leverage) ratio | 9.5184% | 4,019 |
| Tier 1 risk-based capital ratio | 15.0030% | 2,856 |
| Total risk-based capital ratio | 16.2638% | 2,774 |
| Memoranda: | ||
| Average total assets | $71,113,800 | 4,760 |
| Average earning assets | $67,727,600 | 4,709 |
| Average equity | $6,519,400 | 5,024 |
| Average total loans | $62,114,400 | 4,151 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 1,359 |
| Cost of funding earning assets | 0.6197% | 1,407 |
| Net interest margin | 3.9834% | 1,767 |
| Noninterest income to average assets | 0.2380% | 4,783 |
| Noninterest expense to average assets | 3.2341% | 1,488 |
| Loan and lease loss provision to assets | 0.0661% | 2,748 |
| Net operating income to assets | 0.4798% | 4,791 |
| Return on assets (ROA) | 0.4798% | 4,832 |
| Pretax return on assets | 0.7386% | 4,515 |
| Return on Equity (ROE) | 5.2222% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.2222% | 2,726 |
| Net charge-offs to loans | -0.1422% | 5,463 |
| Credit loss provision to net charge-offs | -53.0303% | 4,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0748% | 1,095 |
| Assets per employee ($millions) | 4.1721% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,409 |
| Loan loss allowance to noncurrent loans | 107.3333% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.0574% | 1,587 |
| Noncurrent loans to loans | 1.2017% | 1,590 |
| Net loans and leases to total assets | 86.8567% | 211 |
| Net loans and leases to deposits | 119.0025% | 111 |
| Net loans and leases to core deposits | 123.8695% | 466 |
| Total domestic deposits to total assets | 72.9873% | 5,309 |
| Equity capital to assets | 9.3421% | 4,601 |
| Core capital (leverage) ratio | 9.5470% | 4,100 |
| Tier 1 risk-based capital ratio | 15.2409% | 2,820 |
| Total risk-based capital ratio | 16.5038% | 2,745 |
| Memoranda: | ||
| Average total assets | $70,579,750 | 4,816 |
| Average earning assets | $67,343,750 | 4,765 |
| Average equity | $6,485,000 | 5,080 |
| Average total loans | $61,873,000 | 4,195 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 1,223 |
| Cost of funding earning assets | 0.6041% | 1,416 |
| Net interest margin | 4.0142% | 1,562 |
| Noninterest income to average assets | 0.2356% | 4,829 |
| Noninterest expense to average assets | 3.1789% | 1,627 |
| Loan and lease loss provision to assets | 0.0568% | 2,839 |
| Net operating income to assets | 0.5393% | 4,576 |
| Return on assets (ROA) | 0.5393% | 4,613 |
| Pretax return on assets | 0.8288% | 4,166 |
| Return on Equity (ROE) | 5.9025% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.9025% | 2,174 |
| Net charge-offs to loans | -0.2140% | 5,588 |
| Credit loss provision to net charge-offs | -30.3030% | 4,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2123% | 1,431 |
| Assets per employee ($millions) | 4.4246% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 2,435 |
| Loan loss allowance to noncurrent loans | 118.6186% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 1,869 |
| Noncurrent loans to loans | 1.0921% | 1,797 |
| Net loans and leases to total assets | 85.0282% | 344 |
| Net loans and leases to deposits | 113.0213% | 209 |
| Net loans and leases to core deposits | 117.6583% | 654 |
| Total domestic deposits to total assets | 75.2320% | 5,173 |
| Equity capital to assets | 9.2509% | 4,670 |
| Core capital (leverage) ratio | 9.4572% | 4,174 |
| Tier 1 risk-based capital ratio | 15.4613% | 2,720 |
| Total risk-based capital ratio | 16.7220% | 2,652 |
| Memoranda: | ||
| Average total assets | $70,464,330 | 4,854 |
| Average earning assets | $67,211,330 | 4,800 |
| Average equity | $6,438,000 | 5,117 |
| Average total loans | $61,694,330 | 4,211 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 1,220 |
| Cost of funding earning assets | 0.5790% | 1,519 |
| Net interest margin | 3.9873% | 1,498 |
| Noninterest income to average assets | 0.2333% | 4,873 |
| Noninterest expense to average assets | 3.1807% | 1,664 |
| Loan and lease loss provision to assets | 0.1138% | 1,685 |
| Net operating income to assets | 0.4780% | 4,678 |
| Return on assets (ROA) | 0.4780% | 4,704 |
| Pretax return on assets | 0.7397% | 4,311 |
| Return on Equity (ROE) | 5.2644% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.2644% | 2,750 |
| Net charge-offs to loans | -0.4126% | 5,722 |
| Credit loss provision to net charge-offs | -31.2500% | 3,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8434% | 1,511 |
| Assets per employee ($millions) | 4.4328% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,703 |
| Loan loss allowance to noncurrent loans | 117.2619% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 1,939 |
| Noncurrent loans to loans | 1.0808% | 1,894 |
| Net loans and leases to total assets | 86.5534% | 184 |
| Net loans and leases to deposits | 121.1215% | 81 |
| Net loans and leases to core deposits | 127.0026% | 304 |
| Total domestic deposits to total assets | 71.4600% | 5,568 |
| Equity capital to assets | 9.0645% | 4,746 |
| Core capital (leverage) ratio | 9.3885% | 4,241 |
| Tier 1 risk-based capital ratio | 14.8385% | 3,053 |
| Total risk-based capital ratio | 16.1001% | 2,969 |
| Memoranda: | ||
| Average total assets | $70,300,000 | 4,910 |
| Average earning assets | $67,012,000 | 4,857 |
| Average equity | $6,382,500 | 5,177 |
| Average total loans | $62,049,500 | 4,241 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 1,328 |
| Cost of funding earning assets | 0.5874% | 1,438 |
| Net interest margin | 3.9910% | 1,654 |
| Noninterest income to average assets | 0.2970% | 4,615 |
| Noninterest expense to average assets | 3.2853% | 1,605 |
| Loan and lease loss provision to assets | 0.1847% | 1,279 |
| Net operating income to assets | 0.4149% | 4,893 |
| Return on assets (ROA) | 0.4149% | 4,975 |
| Pretax return on assets | 0.6309% | 4,705 |
| Return on Equity (ROE) | 4.6555% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.6555% | 2,581 |
| Net charge-offs to loans | 0.2575% | 1,075 |
| Credit loss provision to net charge-offs | 81.2500% | 2,958 |
| Earnings coverage of net charge-offs (x) | 3.5875% | 3,636 |
| Efficiency ratio | 80.1109% | 1,407 |
| Assets per employee ($millions) | 4.0985% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 3,508 |
| Loan loss allowance to noncurrent loans | 90.7216% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.1410% | 1,619 |
| Noncurrent loans to loans | 1.2532% | 1,637 |
| Net loans and leases to total assets | 87.8637% | 132 |
| Net loans and leases to deposits | 122.8508% | 66 |
| Net loans and leases to core deposits | 128.2369% | 305 |
| Total domestic deposits to total assets | 71.5206% | 5,593 |
| Equity capital to assets | 9.0936% | 4,716 |
| Core capital (leverage) ratio | 9.1978% | 4,484 |
| Tier 1 risk-based capital ratio | 14.7746% | 3,061 |
| Total risk-based capital ratio | 16.0357% | 3,007 |
| Memoranda: | ||
| Average total assets | $70,375,000 | 4,926 |
| Average earning assets | $67,075,400 | 4,864 |
| Average equity | $6,272,200 | 5,235 |
| Average total loans | $62,143,800 | 4,224 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 1,377 |
| Cost of funding earning assets | 0.5889% | 1,421 |
| Net interest margin | 3.9737% | 1,728 |
| Noninterest income to average assets | 0.3099% | 4,553 |
| Noninterest expense to average assets | 3.2543% | 1,665 |
| Loan and lease loss provision to assets | 0.1890% | 1,155 |
| Net operating income to assets | 0.4347% | 4,921 |
| Return on assets (ROA) | 0.4347% | 5,003 |
| Pretax return on assets | 0.6539% | 4,728 |
| Return on Equity (ROE) | 4.9017% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.9017% | 2,897 |
| Net charge-offs to loans | 0.2872% | 798 |
| Credit loss provision to net charge-offs | 74.6269% | 2,729 |
| Earnings coverage of net charge-offs (x) | 3.3284% | 3,435 |
| Efficiency ratio | 79.4280% | 1,507 |
| Assets per employee ($millions) | 4.4283% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 3,663 |
| Loan loss allowance to noncurrent loans | 66.5399% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.6090% | 1,085 |
| Noncurrent loans to loans | 1.7024% | 1,231 |
| Net loans and leases to total assets | 86.2278% | 241 |
| Net loans and leases to deposits | 117.5311% | 137 |
| Net loans and leases to core deposits | 122.4471% | 442 |
| Total domestic deposits to total assets | 73.3660% | 5,490 |
| Equity capital to assets | 9.0130% | 5,165 |
| Core capital (leverage) ratio | 9.2019% | 4,584 |
| Tier 1 risk-based capital ratio | 14.5728% | 3,250 |
| Total risk-based capital ratio | 15.8287% | 3,183 |
| Memoranda: | ||
| Average total assets | $70,550,000 | 4,964 |
| Average earning assets | $67,240,000 | 4,904 |
| Average equity | $6,256,250 | 5,292 |
| Average total loans | $62,199,000 | 4,252 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5452% | 1,396 |
| Cost of funding earning assets | 0.5961% | 1,343 |
| Net interest margin | 3.9491% | 1,810 |
| Noninterest income to average assets | 0.2924% | 4,695 |
| Noninterest expense to average assets | 3.1938% | 1,823 |
| Loan and lease loss provision to assets | 0.1987% | 1,086 |
| Net operating income to assets | 0.4457% | 4,883 |
| Return on assets (ROA) | 0.4457% | 4,974 |
| Pretax return on assets | 0.6615% | 4,738 |
| Return on Equity (ROE) | 5.0539% | 4,491 |
| Retained earnings to average equity (ytd only) | 5.0539% | 2,701 |
| Net charge-offs to loans | 0.3016% | 789 |
| Credit loss provision to net charge-offs | 74.4681% | 2,431 |
| Earnings coverage of net charge-offs (x) | 3.2234% | 3,148 |
| Efficiency ratio | 78.7815% | 1,682 |
| Assets per employee ($millions) | 4.4101% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 3,736 |
| Loan loss allowance to noncurrent loans | 59.8651% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.7843% | 970 |
| Noncurrent loans to loans | 1.8984% | 1,068 |
| Net loans and leases to total assets | 87.5328% | 166 |
| Net loans and leases to deposits | 122.4917% | 89 |
| Net loans and leases to core deposits | 127.5958% | 341 |
| Total domestic deposits to total assets | 71.4602% | 5,701 |
| Equity capital to assets | 8.9752% | 5,255 |
| Core capital (leverage) ratio | 9.0686% | 4,753 |
| Tier 1 risk-based capital ratio | 14.3785% | 3,388 |
| Total risk-based capital ratio | 15.6368% | 3,310 |
| Memoranda: | ||
| Average total assets | $70,449,000 | 5,012 |
| Average earning assets | $67,103,330 | 4,957 |
| Average equity | $6,213,000 | 5,349 |
| Average total loans | $62,333,670 | 4,275 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5660% | 1,352 |
| Cost of funding earning assets | 0.5909% | 1,399 |
| Net interest margin | 3.9751% | 1,691 |
| Noninterest income to average assets | 0.3239% | 4,418 |
| Noninterest expense to average assets | 3.2503% | 1,724 |
| Loan and lease loss provision to assets | 0.1705% | 1,208 |
| Net operating income to assets | 0.4660% | 4,755 |
| Return on assets (ROA) | 0.4660% | 4,845 |
| Pretax return on assets | 0.6876% | 4,564 |
| Return on Equity (ROE) | 5.3307% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.3307% | 2,751 |
| Net charge-offs to loans | 0.1156% | 1,422 |
| Credit loss provision to net charge-offs | 166.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | 8.3889% | 2,058 |
| Efficiency ratio | 79.1148% | 1,730 |
| Assets per employee ($millions) | 4.3485% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 3,497 |
| Loan loss allowance to noncurrent loans | 52.0223% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 2.0611% | 831 |
| Noncurrent loans to loans | 2.3013% | 872 |
| Net loans and leases to total assets | 88.4888% | 96 |
| Net loans and leases to deposits | 122.9987% | 77 |
| Net loans and leases to core deposits | 126.8324% | 323 |
| Total domestic deposits to total assets | 71.9429% | 5,773 |
| Equity capital to assets | 8.9442% | 5,224 |
| Core capital (leverage) ratio | 8.9578% | 4,913 |
| Tier 1 risk-based capital ratio | 14.1332% | 3,605 |
| Total risk-based capital ratio | 15.3895% | 3,528 |
| Memoranda: | ||
| Average total assets | $70,393,000 | 5,062 |
| Average earning assets | $67,017,000 | 5,000 |
| Average equity | $6,153,000 | 5,392 |
| Average total loans | $62,263,500 | 4,307 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 1,486 |
| Cost of funding earning assets | 0.6613% | 1,014 |
| Net interest margin | 3.8782% | 2,102 |
| Noninterest income to average assets | 0.2157% | 5,302 |
| Noninterest expense to average assets | 3.3252% | 1,658 |
| Loan and lease loss provision to assets | 0.1670% | 1,372 |
| Net operating income to assets | 0.2783% | 5,416 |
| Return on assets (ROA) | 0.2783% | 5,495 |
| Pretax return on assets | 0.4035% | 5,314 |
| Return on Equity (ROE) | 3.3554% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.3554% | 3,660 |
| Net charge-offs to loans | 0.1350% | 2,010 |
| Credit loss provision to net charge-offs | 141.1765% | 1,863 |
| Earnings coverage of net charge-offs (x) | 4.8235% | 3,483 |
| Efficiency ratio | 85.3571% | 1,056 |
| Assets per employee ($millions) | 4.1888% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 3,590 |
| Loan loss allowance to noncurrent loans | 47.4467% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 2.1724% | 779 |
| Noncurrent loans to loans | 2.4866% | 742 |
| Net loans and leases to total assets | 86.3362% | 208 |
| Net loans and leases to deposits | 125.0661% | 68 |
| Net loans and leases to core deposits | 128.3561% | 295 |
| Total domestic deposits to total assets | 69.0324% | 5,938 |
| Equity capital to assets | 8.5423% | 5,530 |
| Core capital (leverage) ratio | 8.6677% | 5,251 |
| Tier 1 risk-based capital ratio | 13.6120% | 3,942 |
| Total risk-based capital ratio | 14.8693% | 3,866 |
| Memoranda: | ||
| Average total assets | $71,875,600 | 5,047 |
| Average earning assets | $68,202,000 | 4,983 |
| Average equity | $5,960,600 | 5,442 |
| Average total loans | $62,966,000 | 4,293 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 1,498 |
| Cost of funding earning assets | 0.6870% | 901 |
| Net interest margin | 3.8469% | 2,205 |
| Noninterest income to average assets | 0.1943% | 5,488 |
| Noninterest expense to average assets | 3.3517% | 1,572 |
| Loan and lease loss provision to assets | 0.1666% | 1,269 |
| Net operating income to assets | 0.2239% | 5,631 |
| Return on assets (ROA) | 0.2239% | 5,698 |
| Pretax return on assets | 0.3239% | 5,611 |
| Return on Equity (ROE) | 2.7206% | 5,476 |
| Retained earnings to average equity (ytd only) | 2.7206% | 4,480 |
| Net charge-offs to loans | 0.0971% | 2,181 |
| Credit loss provision to net charge-offs | 195.6522% | 1,360 |
| Earnings coverage of net charge-offs (x) | 5.7610% | 3,157 |
| Efficiency ratio | 87.2351% | 918 |
| Assets per employee ($millions) | 4.4771% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 3,834 |
| Loan loss allowance to noncurrent loans | 45.3602% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 2.2866% | 807 |
| Noncurrent loans to loans | 2.5722% | 777 |
| Net loans and leases to total assets | 87.8619% | 149 |
| Net loans and leases to deposits | 128.1984% | 49 |
| Net loans and leases to core deposits | 131.6440% | 259 |
| Total domestic deposits to total assets | 68.5359% | 6,022 |
| Equity capital to assets | 8.4164% | 5,752 |
| Core capital (leverage) ratio | 8.4196% | 5,612 |
| Tier 1 risk-based capital ratio | 13.4825% | 4,146 |
| Total risk-based capital ratio | 14.7416% | 4,074 |
| Memoranda: | ||
| Average total assets | $72,042,000 | 5,099 |
| Average earning assets | $68,312,250 | 5,037 |
| Average equity | $5,930,000 | 5,515 |
| Average total loans | $63,154,000 | 4,332 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 1,564 |
| Cost of funding earning assets | 0.7195% | 763 |
| Net interest margin | 3.7729% | 2,430 |
| Noninterest income to average assets | 0.1746% | 5,652 |
| Noninterest expense to average assets | 3.4055% | 1,464 |
| Loan and lease loss provision to assets | 0.1663% | 1,260 |
| Net operating income to assets | 0.1275% | 5,840 |
| Return on assets (ROA) | 0.1275% | 5,883 |
| Pretax return on assets | 0.1773% | 5,852 |
| Return on Equity (ROE) | 1.5601% | 5,790 |
| Retained earnings to average equity (ytd only) | 1.5601% | 4,921 |
| Net charge-offs to loans | 0.1080% | 1,915 |
| Credit loss provision to net charge-offs | 176.4706% | 1,364 |
| Earnings coverage of net charge-offs (x) | 3.6471% | 3,162 |
| Efficiency ratio | 90.8352% | 695 |
| Assets per employee ($millions) | 4.5139% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 4,105 |
| Loan loss allowance to noncurrent loans | 48.6577% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 2.1254% | 1,005 |
| Noncurrent loans to loans | 2.3553% | 993 |
| Net loans and leases to total assets | 86.5888% | 208 |
| Net loans and leases to deposits | 128.3231% | 48 |
| Net loans and leases to core deposits | 132.5639% | 235 |
| Total domestic deposits to total assets | 67.4771% | 6,131 |
| Equity capital to assets | 8.1816% | 5,891 |
| Core capital (leverage) ratio | 8.2861% | 5,721 |
| Tier 1 risk-based capital ratio | 13.3542% | 4,309 |
| Total risk-based capital ratio | 14.6127% | 4,233 |
| Memoranda: | ||
| Average total assets | $72,178,000 | 5,153 |
| Average earning assets | $68,381,670 | 5,081 |
| Average equity | $5,897,000 | 5,572 |
| Average total loans | $62,978,000 | 4,371 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 1,479 |
| Cost of funding earning assets | 0.7667% | 600 |
| Net interest margin | 3.7279% | 2,520 |
| Noninterest income to average assets | 0.0610% | 6,203 |
| Noninterest expense to average assets | 3.3927% | 1,505 |
| Loan and lease loss provision to assets | 0.0832% | 2,310 |
| Net operating income to assets | 0.0832% | 5,905 |
| Return on assets (ROA) | 0.0832% | 5,958 |
| Pretax return on assets | 0.1164% | 5,932 |
| Return on Equity (ROE) | 1.0185% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.0185% | 5,063 |
| Net charge-offs to loans | 0.0255% | 2,651 |
| Credit loss provision to net charge-offs | 375.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,041 |
| Efficiency ratio | 94.4444% | 575 |
| Assets per employee ($millions) | 4.2337% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 4,402 |
| Loan loss allowance to noncurrent loans | 81.7972% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.2060% | 2,221 |
| Noncurrent loans to loans | 1.3740% | 2,091 |
| Net loans and leases to total assets | 86.7839% | 154 |
| Net loans and leases to deposits | 123.9748% | 59 |
| Net loans and leases to core deposits | 131.3310% | 229 |
| Total domestic deposits to total assets | 70.0013% | 6,128 |
| Equity capital to assets | 8.2184% | 5,925 |
| Core capital (leverage) ratio | 8.2828% | 5,750 |
| Tier 1 risk-based capital ratio | 14.1534% | 3,913 |
| Total risk-based capital ratio | 15.4132% | 3,832 |
| Memoranda: | ||
| Average total assets | $72,155,500 | 5,194 |
| Average earning assets | $68,349,000 | 5,136 |
| Average equity | $5,891,000 | 5,626 |
| Average total loans | $62,836,000 | 4,402 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5120% | 1,825 |
| Cost of funding earning assets | 0.9088% | 371 |
| Net interest margin | 3.6031% | 3,406 |
| Noninterest income to average assets | 0.1302% | 6,042 |
| Noninterest expense to average assets | 3.2157% | 2,173 |
| Loan and lease loss provision to assets | 0.8576% | 145 |
| Net operating income to assets | -0.3782% | 6,265 |
| Return on assets (ROA) | -0.3782% | 6,264 |
| Pretax return on assets | -0.5376% | 6,296 |
| Return on Equity (ROE) | -4.6485% | 6,281 |
| Retained earnings to average equity (ytd only) | -4.6485% | 6,165 |
| Net charge-offs to loans | 0.8917% | 363 |
| Credit loss provision to net charge-offs | 111.1311% | 2,143 |
| Earnings coverage of net charge-offs (x) | 0.4147% | 4,647 |
| Efficiency ratio | 90.9483% | 783 |
| Assets per employee ($millions) | 4.2552% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 4,453 |
| Loan loss allowance to noncurrent loans | 78.4512% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.4322% | 1,924 |
| Noncurrent loans to loans | 1.4256% | 2,062 |
| Net loans and leases to total assets | 85.4350% | 249 |
| Net loans and leases to deposits | 120.8676% | 93 |
| Net loans and leases to core deposits | 128.5346% | 265 |
| Total domestic deposits to total assets | 70.6848% | 6,161 |
| Equity capital to assets | 8.1105% | 6,004 |
| Core capital (leverage) ratio | 8.1893% | 5,860 |
| Tier 1 risk-based capital ratio | 11.9517% | 5,393 |
| Total risk-based capital ratio | 13.3620% | 5,196 |
| Memoranda: | ||
| Average total assets | $72,177,000 | 5,224 |
| Average earning assets | $68,218,400 | 5,163 |
| Average equity | $5,872,800 | 5,647 |
| Average total loans | $62,465,400 | 4,411 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 1,737 |
| Cost of funding earning assets | 0.9331% | 338 |
| Net interest margin | 3.6051% | 3,405 |
| Noninterest income to average assets | 0.1109% | 6,204 |
| Noninterest expense to average assets | 3.2234% | 2,111 |
| Loan and lease loss provision to assets | 1.1293% | 92 |
| Net operating income to assets | -0.5915% | 6,390 |
| Return on assets (ROA) | -0.5915% | 6,390 |
| Pretax return on assets | -0.8354% | 6,426 |
| Return on Equity (ROE) | -7.2632% | 6,411 |
| Retained earnings to average equity (ytd only) | -7.2632% | 6,330 |
| Net charge-offs to loans | 1.1229% | 256 |
| Credit loss provision to net charge-offs | 116.1597% | 1,959 |
| Earnings coverage of net charge-offs (x) | 0.3023% | 4,408 |
| Efficiency ratio | 91.6448% | 731 |
| Assets per employee ($millions) | 4.0578% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 4,468 |
| Loan loss allowance to noncurrent loans | 88.8069% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.4622% | 2,111 |
| Noncurrent loans to loans | 1.3026% | 2,470 |
| Net loans and leases to total assets | 84.4649% | 308 |
| Net loans and leases to deposits | 120.1933% | 95 |
| Net loans and leases to core deposits | 128.8378% | 245 |
| Total domestic deposits to total assets | 70.2742% | 6,271 |
| Equity capital to assets | 7.8860% | 6,185 |
| Core capital (leverage) ratio | 8.0407% | 6,043 |
| Tier 1 risk-based capital ratio | 11.7844% | 5,620 |
| Total risk-based capital ratio | 13.1950% | 5,439 |
| Memoranda: | ||
| Average total assets | $72,136,750 | 5,283 |
| Average earning assets | $68,160,750 | 5,221 |
| Average equity | $5,874,250 | 5,702 |
| Average total loans | $62,456,500 | 4,444 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5472% | 1,672 |
| Cost of funding earning assets | 0.9483% | 318 |
| Net interest margin | 3.5989% | 3,363 |
| Noninterest income to average assets | 0.0418% | 6,461 |
| Noninterest expense to average assets | 3.2491% | 2,053 |
| Loan and lease loss provision to assets | 1.6482% | 51 |
| Net operating income to assets | -1.0301% | 6,531 |
| Return on assets (ROA) | -1.0301% | 6,530 |
| Pretax return on assets | -1.4533% | 6,554 |
| Return on Equity (ROE) | -12.5162% | 6,535 |
| Retained earnings to average equity (ytd only) | -12.5162% | 6,463 |
| Net charge-offs to loans | 1.5848% | 170 |
| Credit loss provision to net charge-offs | 119.5960% | 1,724 |
| Earnings coverage of net charge-offs (x) | 0.1414% | 4,105 |
| Efficiency ratio | 94.3411% | 625 |
| Assets per employee ($millions) | 3.9977% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 4,539 |
| Loan loss allowance to noncurrent loans | 59.2413% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 1.7218% | 1,897 |
| Noncurrent loans to loans | 1.9829% | 1,701 |
| Net loans and leases to total assets | 85.8114% | 187 |
| Net loans and leases to deposits | 121.0077% | 82 |
| Net loans and leases to core deposits | 129.7602% | 228 |
| Total domestic deposits to total assets | 70.9140% | 6,316 |
| Equity capital to assets | 7.9365% | 6,187 |
| Core capital (leverage) ratio | 8.1032% | 6,018 |
| Tier 1 risk-based capital ratio | 11.9596% | 5,565 |
| Total risk-based capital ratio | 13.3830% | 5,380 |
| Memoranda: | ||
| Average total assets | $71,835,330 | 5,341 |
| Average earning assets | $67,909,670 | 5,272 |
| Average equity | $5,912,330 | 5,732 |
| Average total loans | $62,470,000 | 4,469 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,575 |
| Cost of funding earning assets | 0.9843% | 292 |
| Net interest margin | 3.5893% | 3,297 |
| Noninterest income to average assets | 0.1951% | 5,795 |
| Noninterest expense to average assets | 3.2435% | 2,096 |
| Loan and lease loss provision to assets | 0.1672% | 1,450 |
| Net operating income to assets | 0.1226% | 5,978 |
| Return on assets (ROA) | 0.1226% | 6,013 |
| Pretax return on assets | 0.1783% | 5,957 |
| Return on Equity (ROE) | 1.4635% | 5,938 |
| Retained earnings to average equity (ytd only) | 1.4635% | 5,032 |
| Net charge-offs to loans | 0.1217% | 1,991 |
| Credit loss provision to net charge-offs | 157.8947% | 1,212 |
| Earnings coverage of net charge-offs (x) | 3.2632% | 2,710 |
| Efficiency ratio | 90.3727% | 999 |
| Assets per employee ($millions) | 3.9727% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 5,382 |
| Loan loss allowance to noncurrent loans | 34.5784% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 2.7689% | 1,083 |
| Noncurrent loans to loans | 2.9927% | 1,055 |
| Net loans and leases to total assets | 86.6618% | 117 |
| Net loans and leases to deposits | 120.8200% | 69 |
| Net loans and leases to core deposits | 127.4992% | 208 |
| Total domestic deposits to total assets | 71.7280% | 6,373 |
| Equity capital to assets | 8.4507% | 5,692 |
| Core capital (leverage) ratio | 8.7024% | 5,377 |
| Tier 1 risk-based capital ratio | 12.8056% | 5,117 |
| Total risk-based capital ratio | 14.2399% | 4,941 |
| Memoranda: | ||
| Average total assets | $71,773,500 | 5,392 |
| Average earning assets | $67,867,500 | 5,320 |
| Average equity | $6,013,000 | 5,746 |
| Average total loans | $62,463,500 | 4,512 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 1,652 |
| Cost of funding earning assets | 1.1012% | 281 |
| Net interest margin | 3.5693% | 3,604 |
| Noninterest income to average assets | 0.0730% | 6,476 |
| Noninterest expense to average assets | 3.3787% | 1,927 |
| Loan and lease loss provision to assets | 0.1735% | 2,131 |
| Net operating income to assets | -0.0882% | 6,288 |
| Return on assets (ROA) | -0.0882% | 6,307 |
| Pretax return on assets | -0.1129% | 6,299 |
| Return on Equity (ROE) | -1.0473% | 6,328 |
| Retained earnings to average equity (ytd only) | -1.0473% | 6,069 |
| Net charge-offs to loans | 0.3146% | 2,112 |
| Credit loss provision to net charge-offs | 64.6154% | 3,438 |
| Earnings coverage of net charge-offs (x) | 0.2256% | 5,010 |
| Efficiency ratio | 98.2379% | 539 |
| Assets per employee ($millions) | 3.7915% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 5,450 |
| Loan loss allowance to noncurrent loans | 40.2910% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 2.3418% | 1,491 |
| Noncurrent loans to loans | 2.5374% | 1,479 |
| Net loans and leases to total assets | 85.6090% | 175 |
| Net loans and leases to deposits | 119.0123% | 75 |
| Net loans and leases to core deposits | 124.8755% | 250 |
| Total domestic deposits to total assets | 71.9329% | 6,424 |
| Equity capital to assets | 8.3053% | 5,775 |
| Core capital (leverage) ratio | 8.6080% | 5,530 |
| Tier 1 risk-based capital ratio | 12.6867% | 5,182 |
| Total risk-based capital ratio | 14.1147% | 5,019 |
| Memoranda: | ||
| Average total assets | $72,602,200 | 5,404 |
| Average earning assets | $68,473,400 | 5,335 |
| Average equity | $6,111,000 | 5,789 |
| Average total loans | $61,982,000 | 4,548 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6339% | 1,785 |
| Cost of funding earning assets | 1.1162% | 287 |
| Net interest margin | 3.5178% | 3,799 |
| Noninterest income to average assets | 0.1686% | 6,179 |
| Noninterest expense to average assets | 3.3817% | 1,869 |
| Loan and lease loss provision to assets | 0.1760% | 2,068 |
| Net operating income to assets | -0.0623% | 6,351 |
| Return on assets (ROA) | -0.0623% | 6,387 |
| Pretax return on assets | -0.0733% | 6,378 |
| Return on Equity (ROE) | -0.7379% | 6,406 |
| Retained earnings to average equity (ytd only) | -0.7379% | 6,090 |
| Net charge-offs to loans | 0.3446% | 1,823 |
| Credit loss provision to net charge-offs | 60.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | 0.3500% | 4,750 |
| Efficiency ratio | 97.0542% | 570 |
| Assets per employee ($millions) | 3.7615% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 5,625 |
| Loan loss allowance to noncurrent loans | 26.7138% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 3.6534% | 905 |
| Noncurrent loans to loans | 3.8298% | 943 |
| Net loans and leases to total assets | 87.0418% | 110 |
| Net loans and leases to deposits | 121.5907% | 62 |
| Net loans and leases to core deposits | 126.6094% | 232 |
| Total domestic deposits to total assets | 71.5859% | 6,521 |
| Equity capital to assets | 8.4387% | 5,804 |
| Core capital (leverage) ratio | 8.7186% | 5,506 |
| Tier 1 risk-based capital ratio | 12.6346% | 5,373 |
| Total risk-based capital ratio | 14.0519% | 5,195 |
| Memoranda: | ||
| Average total assets | $72,743,250 | 5,453 |
| Average earning assets | $68,564,750 | 5,392 |
| Average equity | $6,143,000 | 5,851 |
| Average total loans | $61,900,500 | 4,584 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6057% | 1,840 |
| Cost of funding earning assets | 1.1551% | 250 |
| Net interest margin | 3.4507% | 4,003 |
| Noninterest income to average assets | 0.3444% | 4,934 |
| Noninterest expense to average assets | 3.5562% | 1,487 |
| Loan and lease loss provision to assets | 0.1804% | 2,105 |
| Net operating income to assets | -0.1121% | 6,414 |
| Return on assets (ROA) | -0.1121% | 6,461 |
| Pretax return on assets | -0.1421% | 6,460 |
| Return on Equity (ROE) | -1.3268% | 6,482 |
| Retained earnings to average equity (ytd only) | -1.3268% | 6,099 |
| Net charge-offs to loans | 0.0487% | 3,996 |
| Credit loss provision to net charge-offs | 440.0000% | 617 |
| Earnings coverage of net charge-offs (x) | 0.9333% | 4,216 |
| Efficiency ratio | 98.9354% | 526 |
| Assets per employee ($millions) | 3.8216% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 4,863 |
| Loan loss allowance to noncurrent loans | 23.3642% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 4.7748% | 665 |
| Noncurrent loans to loans | 5.2404% | 597 |
| Net loans and leases to total assets | 84.1057% | 233 |
| Net loans and leases to deposits | 115.7374% | 86 |
| Net loans and leases to core deposits | 120.3587% | 311 |
| Total domestic deposits to total assets | 72.6694% | 6,523 |
| Equity capital to assets | 8.3486% | 5,925 |
| Core capital (leverage) ratio | 8.5703% | 5,585 |
| Tier 1 risk-based capital ratio | 12.4767% | 5,527 |
| Total risk-based capital ratio | 13.8922% | 5,337 |
| Memoranda: | ||
| Average total assets | $73,168,330 | 5,483 |
| Average earning assets | $68,914,000 | 5,420 |
| Average equity | $6,180,330 | 5,884 |
| Average total loans | $61,584,000 | 4,620 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 2,175 |
| Cost of funding earning assets | 1.2040% | 228 |
| Net interest margin | 3.2937% | 4,543 |
| Noninterest income to average assets | 0.4793% | 3,929 |
| Noninterest expense to average assets | 3.5944% | 1,434 |
| Loan and lease loss provision to assets | 0.2505% | 1,434 |
| Net operating income to assets | -0.1743% | 6,500 |
| Return on assets (ROA) | -0.1743% | 6,541 |
| Pretax return on assets | -0.2669% | 6,581 |
| Return on Equity (ROE) | -2.0514% | 6,561 |
| Retained earnings to average equity (ytd only) | -2.0514% | 6,083 |
| Net charge-offs to loans | -0.0065% | 5,325 |
| Credit loss provision to net charge-offs | -4,600.0000% | 5,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4566% | 530 |
| Assets per employee ($millions) | 4.0014% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 5,107 |
| Loan loss allowance to noncurrent loans | 21.2053% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 5.5286% | 622 |
| Noncurrent loans to loans | 5.7370% | 605 |
| Net loans and leases to total assets | 84.8914% | 163 |
| Net loans and leases to deposits | 116.6006% | 84 |
| Net loans and leases to core deposits | 121.2794% | 267 |
| Total domestic deposits to total assets | 72.8053% | 6,618 |
| Equity capital to assets | 8.6262% | 5,886 |
| Core capital (leverage) ratio | 8.6539% | 5,387 |
| Tier 1 risk-based capital ratio | 11.9322% | 5,956 |
| Total risk-based capital ratio | 13.3296% | 5,817 |
| Memoranda: | ||
| Average total assets | $73,447,000 | 5,525 |
| Average earning assets | $69,102,500 | 5,460 |
| Average equity | $6,239,500 | 5,925 |
| Average total loans | $61,462,500 | 4,652 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0849% | 1,343 |
| Cost of funding earning assets | 1.3674% | 283 |
| Net interest margin | 3.7175% | 3,572 |
| Noninterest income to average assets | 1.0547% | 1,391 |
| Noninterest expense to average assets | 3.5473% | 1,725 |
| Loan and lease loss provision to assets | 0.4442% | 1,422 |
| Net operating income to assets | 0.3551% | 5,275 |
| Return on assets (ROA) | 0.4575% | 5,100 |
| Pretax return on assets | 0.6876% | 4,705 |
| Return on Equity (ROE) | 5.6490% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.6490% | 2,286 |
| Net charge-offs to loans | 0.7565% | 1,550 |
| Credit loss provision to net charge-offs | 70.4641% | 4,143 |
| Earnings coverage of net charge-offs (x) | 1.5527% | 4,665 |
| Efficiency ratio | 78.3720% | 2,381 |
| Assets per employee ($millions) | 4.1594% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 5,320 |
| Loan loss allowance to noncurrent loans | 35.8740% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 3.3565% | 1,369 |
| Noncurrent loans to loans | 3.2247% | 1,603 |
| Net loans and leases to total assets | 80.5714% | 415 |
| Net loans and leases to deposits | 110.1066% | 154 |
| Net loans and leases to core deposits | 114.8856% | 389 |
| Total domestic deposits to total assets | 73.1758% | 6,601 |
| Equity capital to assets | 8.3693% | 6,146 |
| Core capital (leverage) ratio | 8.3679% | 5,802 |
| Tier 1 risk-based capital ratio | 12.1878% | 5,663 |
| Total risk-based capital ratio | 13.5729% | 5,539 |
| Memoranda: | ||
| Average total assets | $75,184,200 | 5,479 |
| Average earning assets | $70,208,000 | 5,424 |
| Average equity | $6,089,600 | 5,998 |
| Average total loans | $62,654,000 | 4,604 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1356% | 1,339 |
| Cost of funding earning assets | 1.3932% | 298 |
| Net interest margin | 3.7424% | 3,594 |
| Noninterest income to average assets | 0.9655% | 1,618 |
| Noninterest expense to average assets | 3.5271% | 1,696 |
| Loan and lease loss provision to assets | 0.3224% | 2,042 |
| Net operating income to assets | 0.3987% | 5,253 |
| Return on assets (ROA) | 0.5226% | 5,010 |
| Pretax return on assets | 0.7919% | 4,521 |
| Return on Equity (ROE) | 6.5060% | 4,061 |
| Retained earnings to average equity (ytd only) | 6.5060% | 2,375 |
| Net charge-offs to loans | 0.6639% | 1,651 |
| Credit loss provision to net charge-offs | 57.9618% | 4,208 |
| Earnings coverage of net charge-offs (x) | 1.6656% | 4,443 |
| Efficiency ratio | 79.1965% | 2,207 |
| Assets per employee ($millions) | 4.1686% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 5,582 |
| Loan loss allowance to noncurrent loans | 33.5721% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 3.4065% | 1,480 |
| Noncurrent loans to loans | 3.3773% | 1,623 |
| Net loans and leases to total assets | 81.6950% | 369 |
| Net loans and leases to deposits | 112.0353% | 133 |
| Net loans and leases to core deposits | 116.8869% | 368 |
| Total domestic deposits to total assets | 72.9189% | 6,681 |
| Equity capital to assets | 8.2789% | 6,433 |
| Core capital (leverage) ratio | 8.2696% | 6,061 |
| Tier 1 risk-based capital ratio | 11.6613% | 6,139 |
| Total risk-based capital ratio | 13.0051% | 6,058 |
| Memoranda: | ||
| Average total assets | $75,263,000 | 5,542 |
| Average earning assets | $70,148,750 | 5,483 |
| Average equity | $6,045,500 | 6,077 |
| Average total loans | $63,060,250 | 4,640 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1829% | 1,302 |
| Cost of funding earning assets | 1.4185% | 324 |
| Net interest margin | 3.7645% | 3,517 |
| Noninterest income to average assets | 0.7699% | 2,336 |
| Noninterest expense to average assets | 3.5015% | 1,783 |
| Loan and lease loss provision to assets | 0.2522% | 2,561 |
| Net operating income to assets | 0.3584% | 5,386 |
| Return on assets (ROA) | 0.4885% | 5,122 |
| Pretax return on assets | 0.7061% | 4,815 |
| Return on Equity (ROE) | 6.1436% | 4,252 |
| Retained earnings to average equity (ytd only) | 6.1436% | 2,617 |
| Net charge-offs to loans | 0.2965% | 2,839 |
| Credit loss provision to net charge-offs | 101.0638% | 2,691 |
| Earnings coverage of net charge-offs (x) | 3.0851% | 3,509 |
| Efficiency ratio | 81.9764% | 1,882 |
| Assets per employee ($millions) | 4.1462% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 4,685 |
| Loan loss allowance to noncurrent loans | 51.1628% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 2.8862% | 1,914 |
| Noncurrent loans to loans | 2.6291% | 2,285 |
| Net loans and leases to total assets | 82.1562% | 330 |
| Net loans and leases to deposits | 112.5771% | 121 |
| Net loans and leases to core deposits | 116.8999% | 373 |
| Total domestic deposits to total assets | 72.9777% | 6,746 |
| Equity capital to assets | 8.1829% | 6,470 |
| Core capital (leverage) ratio | 8.1802% | 6,069 |
| Tier 1 risk-based capital ratio | 11.6441% | 6,145 |
| Total risk-based capital ratio | 12.9678% | 6,081 |
| Memoranda: | ||
| Average total assets | $75,339,330 | 5,567 |
| Average earning assets | $70,076,000 | 5,517 |
| Average equity | $5,990,000 | 6,120 |
| Average total loans | $63,413,000 | 4,657 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3655% | 973 |
| Cost of funding earning assets | 1.4939% | 295 |
| Net interest margin | 3.8716% | 3,044 |
| Noninterest income to average assets | 0.3646% | 4,958 |
| Noninterest expense to average assets | 3.2922% | 2,309 |
| Loan and lease loss provision to assets | 0.1532% | 3,459 |
| Net operating income to assets | 0.3268% | 5,563 |
| Return on assets (ROA) | 0.5707% | 4,713 |
| Pretax return on assets | 0.8825% | 4,096 |
| Return on Equity (ROE) | 7.2831% | 3,613 |
| Retained earnings to average equity (ytd only) | 7.2831% | 2,286 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2888% | 1,760 |
| Assets per employee ($millions) | 4.3268% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 5,759 |
| Loan loss allowance to noncurrent loans | 59.5851% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.3778% | 2,498 |
| Noncurrent loans to loans | 1.9117% | 3,270 |
| Net loans and leases to total assets | 84.7176% | 162 |
| Net loans and leases to deposits | 117.7936% | 85 |
| Net loans and leases to core deposits | 122.4436% | 281 |
| Total domestic deposits to total assets | 71.9203% | 6,885 |
| Equity capital to assets | 8.1966% | 6,359 |
| Core capital (leverage) ratio | 8.1966% | 6,030 |
| Tier 1 risk-based capital ratio | 12.4886% | 5,611 |
| Total risk-based capital ratio | 13.7418% | 5,574 |
| Memoranda: | ||
| Average total assets | $75,693,500 | 5,602 |
| Average earning assets | $70,151,500 | 5,556 |
| Average equity | $5,931,500 | 6,163 |
| Average total loans | $64,044,500 | 4,666 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4783% | 1,213 |
| Cost of funding earning assets | 1.7151% | 304 |
| Net interest margin | 3.7632% | 4,016 |
| Noninterest income to average assets | 0.2012% | 6,065 |
| Noninterest expense to average assets | 3.3868% | 2,277 |
| Loan and lease loss provision to assets | 0.4037% | 2,581 |
| Net operating income to assets | -0.0509% | 6,109 |
| Return on assets (ROA) | -0.0138% | 6,177 |
| Pretax return on assets | -0.0767% | 6,192 |
| Return on Equity (ROE) | -0.1850% | 6,179 |
| Retained earnings to average equity (ytd only) | -0.1850% | 5,878 |
| Net charge-offs to loans | 0.3433% | 3,684 |
| Credit loss provision to net charge-offs | 137.1795% | 2,167 |
| Earnings coverage of net charge-offs (x) | 0.9145% | 5,118 |
| Efficiency ratio | 92.6385% | 1,009 |
| Assets per employee ($millions) | 4.5784% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 5,971 |
| Loan loss allowance to noncurrent loans | 45.5328% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 2.7765% | 2,186 |
| Noncurrent loans to loans | 2.3226% | 2,836 |
| Net loans and leases to total assets | 82.7025% | 290 |
| Net loans and leases to deposits | 119.4230% | 90 |
| Net loans and leases to core deposits | 124.0298% | 298 |
| Total domestic deposits to total assets | 69.2517% | 7,021 |
| Equity capital to assets | 7.4956% | 6,814 |
| Core capital (leverage) ratio | 7.5182% | 6,640 |
| Tier 1 risk-based capital ratio | 11.4973% | 6,159 |
| Total risk-based capital ratio | 12.7475% | 6,148 |
| Memoranda: | ||
| Average total assets | $79,515,200 | 5,467 |
| Average earning assets | $72,996,800 | 5,444 |
| Average equity | $5,946,400 | 6,174 |
| Average total loans | $68,166,600 | 4,552 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5125% | 1,218 |
| Cost of funding earning assets | 1.7424% | 331 |
| Net interest margin | 3.7701% | 4,017 |
| Noninterest income to average assets | 0.1518% | 6,496 |
| Noninterest expense to average assets | 3.0991% | 3,166 |
| Loan and lease loss provision to assets | 0.4870% | 2,038 |
| Net operating income to assets | 0.0350% | 6,100 |
| Return on assets (ROA) | 0.1118% | 6,052 |
| Pretax return on assets | 0.1034% | 6,085 |
| Return on Equity (ROE) | 1.4952% | 5,940 |
| Retained earnings to average equity (ytd only) | 1.4952% | 5,388 |
| Net charge-offs to loans | 0.5280% | 2,648 |
| Credit loss provision to net charge-offs | 106.9597% | 3,090 |
| Earnings coverage of net charge-offs (x) | 1.1282% | 4,780 |
| Efficiency ratio | 85.7802% | 1,556 |
| Assets per employee ($millions) | 5.6199% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 6,533 |
| Loan loss allowance to noncurrent loans | 83.7838% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 2.0526% | 3,071 |
| Noncurrent loans to loans | 1.0983% | 4,721 |
| Net loans and leases to total assets | 84.8435% | 171 |
| Net loans and leases to deposits | 124.6434% | 69 |
| Net loans and leases to core deposits | 141.5059% | 176 |
| Total domestic deposits to total assets | 68.0690% | 7,136 |
| Equity capital to assets | 7.6641% | 6,862 |
| Core capital (leverage) ratio | 7.6746% | 6,655 |
| Tier 1 risk-based capital ratio | 11.6348% | 6,149 |
| Total risk-based capital ratio | 12.8857% | 6,143 |
| Memoranda: | ||
| Average total assets | $79,936,000 | 5,508 |
| Average earning assets | $73,382,750 | 5,466 |
| Average equity | $5,974,500 | 6,209 |
| Average total loans | $68,944,000 | 4,570 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5183% | 1,262 |
| Cost of funding earning assets | 1.7907% | 322 |
| Net interest margin | 3.7275% | 4,135 |
| Noninterest income to average assets | 0.1618% | 6,503 |
| Noninterest expense to average assets | 3.0564% | 3,405 |
| Loan and lease loss provision to assets | 0.6546% | 1,471 |
| Net operating income to assets | -0.0167% | 6,251 |
| Return on assets (ROA) | 0.0199% | 6,272 |
| Pretax return on assets | -0.0622% | 6,326 |
| Return on Equity (ROE) | 0.2686% | 6,250 |
| Retained earnings to average equity (ytd only) | 0.2686% | 5,731 |
| Net charge-offs to loans | 0.4923% | 2,627 |
| Credit loss provision to net charge-offs | 153.8012% | 1,987 |
| Earnings coverage of net charge-offs (x) | 1.2573% | 4,345 |
| Efficiency ratio | 85.1005% | 1,692 |
| Assets per employee ($millions) | 5.2121% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 6,282 |
| Loan loss allowance to noncurrent loans | 42.2983% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 3.2719% | 2,043 |
| Noncurrent loans to loans | 2.3935% | 2,996 |
| Net loans and leases to total assets | 86.5429% | 121 |
| Net loans and leases to deposits | 125.2402% | 75 |
| Net loans and leases to core deposits | 142.4382% | 175 |
| Total domestic deposits to total assets | 69.1016% | 7,150 |
| Equity capital to assets | 7.6488% | 6,880 |
| Core capital (leverage) ratio | 7.6499% | 6,625 |
| Tier 1 risk-based capital ratio | 11.5443% | 6,138 |
| Total risk-based capital ratio | 12.7948% | 6,128 |
| Memoranda: | ||
| Average total assets | $80,355,000 | 5,539 |
| Average earning assets | $73,936,000 | 5,494 |
| Average equity | $5,956,000 | 6,243 |
| Average total loans | $69,467,330 | 4,596 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5489% | 1,178 |
| Cost of funding earning assets | 1.8514% | 313 |
| Net interest margin | 3.6975% | 4,123 |
| Noninterest income to average assets | 0.1130% | 6,848 |
| Noninterest expense to average assets | 2.9174% | 3,990 |
| Loan and lease loss provision to assets | 1.1444% | 625 |
| Net operating income to assets | -0.3618% | 6,715 |
| Return on assets (ROA) | -0.3585% | 6,718 |
| Pretax return on assets | -0.5403% | 6,774 |
| Return on Equity (ROE) | -4.9125% | 6,803 |
| Retained earnings to average equity (ytd only) | -4.9125% | 6,509 |
| Net charge-offs to loans | 0.1542% | 3,567 |
| Credit loss provision to net charge-offs | 862.9630% | 445 |
| Earnings coverage of net charge-offs (x) | 4.5185% | 2,460 |
| Efficiency ratio | 82.9609% | 2,087 |
| Assets per employee ($millions) | 5.4918% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 5,484 |
| Loan loss allowance to noncurrent loans | 148.7762% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 1.7736% | 3,612 |
| Noncurrent loans to loans | 0.8263% | 5,380 |
| Net loans and leases to total assets | 83.0025% | 277 |
| Net loans and leases to deposits | 119.0808% | 98 |
| Net loans and leases to core deposits | 125.0526% | 328 |
| Total domestic deposits to total assets | 69.7027% | 7,197 |
| Equity capital to assets | 7.1768% | 7,025 |
| Core capital (leverage) ratio | 7.1627% | 6,935 |
| Tier 1 risk-based capital ratio | 10.8663% | 6,600 |
| Total risk-based capital ratio | 12.1217% | 6,572 |
| Memoranda: | ||
| Average total assets | $81,441,500 | 5,549 |
| Average earning assets | $74,970,000 | 5,509 |
| Average equity | $5,944,000 | 6,267 |
| Average total loans | $70,024,500 | 4,618 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7867% | 1,306 |
| Cost of funding earning assets | 2.1104% | 412 |
| Net interest margin | 3.6762% | 4,458 |
| Noninterest income to average assets | 0.1536% | 6,622 |
| Noninterest expense to average assets | 2.7076% | 4,959 |
| Loan and lease loss provision to assets | 0.4808% | 3,251 |
| Net operating income to assets | 0.2370% | 5,149 |
| Return on assets (ROA) | 0.3373% | 4,958 |
| Pretax return on assets | 0.5048% | 4,607 |
| Return on Equity (ROE) | 4.5983% | 4,248 |
| Retained earnings to average equity (ytd only) | 4.5983% | 2,662 |
| Net charge-offs to loans | 0.1461% | 5,481 |
| Credit loss provision to net charge-offs | 374.5098% | 676 |
| Earnings coverage of net charge-offs (x) | 6.5098% | 2,338 |
| Efficiency ratio | 76.4121% | 2,985 |
| Assets per employee ($millions) | 5.3671% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 6,702 |
| Loan loss allowance to noncurrent loans | 90.0699% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.5986% | 3,911 |
| Noncurrent loans to loans | 1.0096% | 5,046 |
| Net loans and leases to total assets | 87.1724% | 129 |
| Net loans and leases to deposits | 129.2383% | 68 |
| Net loans and leases to core deposits | 134.2625% | 277 |
| Total domestic deposits to total assets | 67.4509% | 7,343 |
| Equity capital to assets | 7.4230% | 6,922 |
| Core capital (leverage) ratio | 7.4186% | 6,769 |
| Tier 1 risk-based capital ratio | 10.8553% | 6,445 |
| Total risk-based capital ratio | 12.1062% | 6,412 |
| Memoranda: | ||
| Average total assets | $79,443,400 | 5,610 |
| Average earning assets | $73,254,800 | 5,562 |
| Average equity | $5,828,200 | 6,419 |
| Average total loans | $69,802,000 | 4,691 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7906% | 1,422 |
| Cost of funding earning assets | 2.1525% | 447 |
| Net interest margin | 3.6381% | 4,687 |
| Noninterest income to average assets | 0.1617% | 6,706 |
| Noninterest expense to average assets | 2.6859% | 4,940 |
| Loan and lease loss provision to assets | 0.5759% | 2,633 |
| Net operating income to assets | 0.1748% | 5,575 |
| Return on assets (ROA) | 0.2341% | 5,570 |
| Pretax return on assets | 0.3385% | 5,402 |
| Return on Equity (ROE) | 3.2002% | 5,141 |
| Retained earnings to average equity (ytd only) | 3.2002% | 4,183 |
| Net charge-offs to loans | 0.1630% | 5,017 |
| Credit loss provision to net charge-offs | 402.3529% | 750 |
| Earnings coverage of net charge-offs (x) | 5.7882% | 2,678 |
| Efficiency ratio | 76.4255% | 2,871 |
| Assets per employee ($millions) | 5.0969% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 6,799 |
| Loan loss allowance to noncurrent loans | 69.4414% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.6566% | 3,957 |
| Noncurrent loans to loans | 1.2683% | 4,736 |
| Net loans and leases to total assets | 87.4925% | 121 |
| Net loans and leases to deposits | 128.6879% | 73 |
| Net loans and leases to core deposits | 134.5179% | 317 |
| Total domestic deposits to total assets | 67.9881% | 7,383 |
| Equity capital to assets | 7.1845% | 7,273 |
| Core capital (leverage) ratio | 7.1670% | 7,075 |
| Tier 1 risk-based capital ratio | 10.0985% | 7,015 |
| Total risk-based capital ratio | 11.2677% | 7,045 |
| Memoranda: | ||
| Average total assets | $79,177,750 | 5,686 |
| Average earning assets | $72,967,000 | 5,635 |
| Average equity | $5,791,250 | 6,515 |
| Average total loans | $69,546,750 | 4,774 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7809% | 1,475 |
| Cost of funding earning assets | 2.2136% | 442 |
| Net interest margin | 3.5673% | 4,959 |
| Noninterest income to average assets | 0.1607% | 6,744 |
| Noninterest expense to average assets | 2.8602% | 4,229 |
| Loan and lease loss provision to assets | 0.1709% | 5,159 |
| Net operating income to assets | 0.2865% | 5,233 |
| Return on assets (ROA) | 0.3419% | 5,176 |
| Pretax return on assets | 0.4899% | 4,939 |
| Return on Equity (ROE) | 4.6458% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.6458% | 3,115 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0986% | 2,028 |
| Assets per employee ($millions) | 5.0384% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 7,228 |
| Loan loss allowance to noncurrent loans | 55.4054% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 1.9463% | 3,556 |
| Noncurrent loans to loans | 1.2801% | 4,823 |
| Net loans and leases to total assets | 85.4380% | 260 |
| Net loans and leases to deposits | 122.9779% | 103 |
| Net loans and leases to core deposits | 127.8755% | 467 |
| Total domestic deposits to total assets | 69.4743% | 7,363 |
| Equity capital to assets | 7.2432% | 7,254 |
| Core capital (leverage) ratio | 7.2421% | 7,041 |
| Tier 1 risk-based capital ratio | 10.7806% | 6,460 |
| Total risk-based capital ratio | 11.7499% | 6,670 |
| Memoranda: | ||
| Average total assets | $78,386,670 | 5,745 |
| Average earning assets | $72,100,000 | 5,704 |
| Average equity | $5,768,670 | 6,542 |
| Average total loans | $68,734,000 | 4,833 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8404% | 1,347 |
| Cost of funding earning assets | 2.3192% | 404 |
| Net interest margin | 3.5212% | 5,080 |
| Noninterest income to average assets | 0.1656% | 6,780 |
| Noninterest expense to average assets | 2.9402% | 3,909 |
| Loan and lease loss provision to assets | 0.0362% | 6,316 |
| Net operating income to assets | 0.2827% | 5,359 |
| Return on assets (ROA) | 0.3313% | 5,289 |
| Pretax return on assets | 0.4918% | 4,984 |
| Return on Equity (ROE) | 4.4650% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.4650% | 3,477 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5854% | 1,733 |
| Assets per employee ($millions) | 4.9545% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6260% | 7,465 |
| Loan loss allowance to noncurrent loans | 112.7273% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 1.2602% | 4,653 |
| Noncurrent loans to loans | 0.5554% | 6,185 |
| Net loans and leases to total assets | 86.9046% | 173 |
| Net loans and leases to deposits | 123.8869% | 107 |
| Net loans and leases to core deposits | 128.2815% | 531 |
| Total domestic deposits to total assets | 70.1483% | 7,400 |
| Equity capital to assets | 7.2737% | 7,230 |
| Core capital (leverage) ratio | 7.2759% | 7,053 |
| Tier 1 risk-based capital ratio | 10.7786% | 6,367 |
| Total risk-based capital ratio | 11.6387% | 6,724 |
| Memoranda: | ||
| Average total assets | $77,273,000 | 5,843 |
| Average earning assets | $70,885,500 | 5,817 |
| Average equity | $5,733,500 | 6,601 |
| Average total loans | $68,417,500 | 4,919 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9436% | 2,072 |
| Cost of funding earning assets | 2.6546% | 663 |
| Net interest margin | 3.2889% | 5,786 |
| Noninterest income to average assets | 0.1681% | 6,878 |
| Noninterest expense to average assets | 2.4771% | 6,216 |
| Loan and lease loss provision to assets | 0.1385% | 6,256 |
| Net operating income to assets | 0.3790% | 4,211 |
| Return on assets (ROA) | 0.3093% | 4,585 |
| Pretax return on assets | 0.4908% | 4,208 |
| Return on Equity (ROE) | 4.1461% | 4,027 |
| Retained earnings to average equity (ytd only) | 4.1461% | 2,314 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0389% | 3,356 |
| Assets per employee ($millions) | 4.7046% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6369% | 7,498 |
| Loan loss allowance to noncurrent loans | 80.5243% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.3683% | 4,371 |
| Noncurrent loans to loans | 0.7910% | 5,698 |
| Net loans and leases to total assets | 89.1144% | 124 |
| Net loans and leases to deposits | 132.3965% | 83 |
| Net loans and leases to core deposits | 166.2701% | 268 |
| Total domestic deposits to total assets | 67.3088% | 7,590 |
| Equity capital to assets | 7.5737% | 6,967 |
| Core capital (leverage) ratio | 7.5772% | 6,712 |
| Tier 1 risk-based capital ratio | 11.0559% | 5,870 |
| Total risk-based capital ratio | 11.9395% | 6,195 |
| Memoranda: | ||
| Average total assets | $74,362,000 | 5,881 |
| Average earning assets | $68,898,000 | 5,845 |
| Average equity | $5,547,400 | 6,757 |
| Average total loans | $63,241,200 | 5,124 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8737% | 2,563 |
| Cost of funding earning assets | 2.7173% | 756 |
| Net interest margin | 3.1564% | 6,156 |
| Noninterest income to average assets | 0.1655% | 7,023 |
| Noninterest expense to average assets | 2.4639% | 6,203 |
| Loan and lease loss provision to assets | 0.1349% | 6,014 |
| Net operating income to assets | 0.3156% | 4,738 |
| Return on assets (ROA) | 0.1637% | 5,336 |
| Pretax return on assets | 0.2644% | 5,156 |
| Return on Equity (ROE) | 2.2024% | 5,096 |
| Retained earnings to average equity (ytd only) | 2.2024% | 4,098 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4664% | 2,926 |
| Assets per employee ($millions) | 4.7941% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6222% | 7,543 |
| Loan loss allowance to noncurrent loans | 171.4894% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 5,889 |
| Noncurrent loans to loans | 0.3628% | 6,623 |
| Net loans and leases to total assets | 83.9165% | 551 |
| Net loans and leases to deposits | 127.5391% | 122 |
| Net loans and leases to core deposits | 161.7474% | 355 |
| Total domestic deposits to total assets | 65.7967% | 7,696 |
| Equity capital to assets | 7.2824% | 7,436 |
| Core capital (leverage) ratio | 7.2580% | 7,218 |
| Tier 1 risk-based capital ratio | 11.2523% | 5,687 |
| Total risk-based capital ratio | 12.1146% | 6,050 |
| Memoranda: | ||
| Average total assets | $74,134,000 | 5,929 |
| Average earning assets | $68,938,750 | 5,887 |
| Average equity | $5,509,000 | 6,843 |
| Average total loans | $62,174,000 | 5,205 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9289% | 2,460 |
| Cost of funding earning assets | 2.7752% | 842 |
| Net interest margin | 3.1537% | 6,078 |
| Noninterest income to average assets | 0.1583% | 7,142 |
| Noninterest expense to average assets | 2.3937% | 6,483 |
| Loan and lease loss provision to assets | 0.1556% | 5,515 |
| Net operating income to assets | 0.3463% | 4,691 |
| Return on assets (ROA) | 0.3603% | 4,760 |
| Pretax return on assets | 0.5650% | 4,425 |
| Return on Equity (ROE) | 4.8146% | 4,162 |
| Retained earnings to average equity (ytd only) | 4.8146% | 2,630 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4051% | 3,439 |
| Assets per employee ($millions) | 4.6570% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6153% | 7,606 |
| Loan loss allowance to noncurrent loans | 285.1852% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6335% | 5,830 |
| Noncurrent loans to loans | 0.2158% | 6,974 |
| Net loans and leases to total assets | 83.4537% | 718 |
| Net loans and leases to deposits | 128.1965% | 132 |
| Net loans and leases to core deposits | 163.4803% | 395 |
| Total domestic deposits to total assets | 65.0982% | 7,788 |
| Equity capital to assets | 7.4887% | 7,277 |
| Core capital (leverage) ratio | 7.5387% | 6,974 |
| Tier 1 risk-based capital ratio | 11.8080% | 5,095 |
| Total risk-based capital ratio | 12.6599% | 5,398 |
| Memoranda: | ||
| Average total assets | $73,276,670 | 5,993 |
| Average earning assets | $68,174,670 | 5,947 |
| Average equity | $5,483,330 | 6,905 |
| Average total loans | $61,308,000 | 5,279 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8982% | 2,805 |
| Cost of funding earning assets | 2.8604% | 849 |
| Net interest margin | 3.0377% | 6,382 |
| Noninterest income to average assets | 0.1321% | 7,345 |
| Noninterest expense to average assets | 2.4223% | 6,123 |
| Loan and lease loss provision to assets | 0.1101% | 5,558 |
| Net operating income to assets | 0.2698% | 5,409 |
| Return on assets (ROA) | 0.3578% | 5,216 |
| Pretax return on assets | 0.5670% | 4,856 |
| Return on Equity (ROE) | 4.7838% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.7838% | 3,244 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7844% | 2,561 |
| Assets per employee ($millions) | 4.5748% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6188% | 7,628 |
| Loan loss allowance to noncurrent loans | 294.5736% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 6,012 |
| Noncurrent loans to loans | 0.2101% | 6,930 |
| Net loans and leases to total assets | 83.3748% | 790 |
| Net loans and leases to deposits | 127.5835% | 170 |
| Net loans and leases to core deposits | 161.1316% | 476 |
| Total domestic deposits to total assets | 65.3492% | 7,770 |
| Equity capital to assets | 7.4540% | 7,391 |
| Core capital (leverage) ratio | 7.5543% | 7,088 |
| Tier 1 risk-based capital ratio | 11.9482% | 5,003 |
| Total risk-based capital ratio | 12.8124% | 5,249 |
| Memoranda: | ||
| Average total assets | $72,659,000 | 6,042 |
| Average earning assets | $67,682,000 | 5,987 |
| Average equity | $5,435,000 | 6,965 |
| Average total loans | $60,678,000 | 5,337 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5202% | 2,863 |
| Cost of funding earning assets | 3.6050% | 382 |
| Net interest margin | 2.9152% | 7,121 |
| Noninterest income to average assets | 0.2189% | 6,876 |
| Noninterest expense to average assets | 2.4767% | 6,098 |
| Loan and lease loss provision to assets | 0.2130% | 4,762 |
| Net operating income to assets | 0.1090% | 6,090 |
| Return on assets (ROA) | 0.1519% | 5,804 |
| Pretax return on assets | 0.2904% | 5,531 |
| Return on Equity (ROE) | 2.0966% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.0966% | 3,931 |
| Net charge-offs to loans | 0.0175% | 6,625 |
| Credit loss provision to net charge-offs | 1,430.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 29.3000% | 1,188 |
| Efficiency ratio | 85.0204% | 1,947 |
| Assets per employee ($millions) | 4.5076% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6222% | 7,631 |
| Loan loss allowance to noncurrent loans | 138.6617% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.8014% | 4,851 |
| Noncurrent loans to loans | 0.4487% | 6,008 |
| Net loans and leases to total assets | 82.6045% | 1,122 |
| Net loans and leases to deposits | 121.8822% | 352 |
| Net loans and leases to core deposits | 158.0852% | 619 |
| Total domestic deposits to total assets | 67.7740% | 7,492 |
| Equity capital to assets | 7.5067% | 7,372 |
| Core capital (leverage) ratio | 7.5801% | 7,103 |
| Tier 1 risk-based capital ratio | 12.3196% | 4,573 |
| Total risk-based capital ratio | 13.1922% | 4,751 |
| Memoranda: | ||
| Average total assets | $67,144,800 | 6,120 |
| Average earning assets | $62,053,400 | 6,084 |
| Average equity | $4,865,000 | 7,190 |
| Average total loans | $57,033,600 | 5,406 |