Home > Bank of Whittier > Performance and Condition Ratios
Bank of Whittier, 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 | 5.0579% | 1,957 |
| Cost of funding earning assets | 2.8892% | 176 |
| Net interest margin | 2.1687% | 4,337 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 1.5177% | 4,319 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.6880% | 3,223 |
| Return on assets (ROA) | 0.6880% | 3,200 |
| Pretax return on assets | 0.9765% | 2,735 |
| Return on Equity (ROE) | 5.4200% | 3,639 |
| Retained earnings to average equity (ytd only) | 5.4181% | 2,434 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.4121% | 3,255 |
| Assets per employee ($millions) | 7.6448% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8068% | 143 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 41.3600% | 3,985 |
| Net loans and leases to deposits | 48.0964% | 3,992 |
| Net loans and leases to core deposits | 75.4568% | 3,008 |
| Total domestic deposits to total assets | 85.9900% | 2,021 |
| Equity capital to assets | 12.9351% | 870 |
| Core capital (leverage) ratio | 13.0862% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $175,004,600 | 3,165 |
| Average earning assets | $169,044,000 | 3,101 |
| Average equity | $22,222,000 | 2,671 |
| Average total loans | $66,606,600 | 3,599 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 2,149 |
| Cost of funding earning assets | 2.7208% | 185 |
| Net interest margin | 2.1398% | 4,386 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 1.4279% | 4,372 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.8047% | 3,011 |
| Return on assets (ROA) | 0.8047% | 3,004 |
| Pretax return on assets | 1.1426% | 2,450 |
| Return on Equity (ROE) | 6.3700% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.3673% | 2,512 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.7027% | 3,701 |
| Assets per employee ($millions) | 7.7881% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8620% | 138 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 41.6000% | 4,004 |
| Net loans and leases to deposits | 48.5059% | 3,988 |
| Net loans and leases to core deposits | 76.3282% | 2,847 |
| Total domestic deposits to total assets | 85.7600% | 2,266 |
| Equity capital to assets | 13.1873% | 775 |
| Core capital (leverage) ratio | 13.2863% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $174,798,000 | 3,177 |
| Average earning assets | $168,919,000 | 3,110 |
| Average equity | $22,091,500 | 2,673 |
| Average total loans | $64,554,000 | 3,645 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7750% | 2,053 |
| Cost of funding earning assets | 2.4981% | 195 |
| Net interest margin | 2.2769% | 4,377 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 1.3731% | 4,436 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.9389% | 2,618 |
| Return on assets (ROA) | 0.9389% | 2,607 |
| Pretax return on assets | 1.3322% | 1,983 |
| Return on Equity (ROE) | 7.5400% | 3,355 |
| Retained earnings to average equity (ytd only) | 7.5352% | 2,118 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.6704% | 4,025 |
| Assets per employee ($millions) | 7.3258% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1048% | 122 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 37.4100% | 4,139 |
| Net loans and leases to deposits | 43.7144% | 4,113 |
| Net loans and leases to core deposits | 68.4083% | 3,212 |
| Total domestic deposits to total assets | 85.5900% | 2,363 |
| Equity capital to assets | 13.2735% | 756 |
| Core capital (leverage) ratio | 12.8860% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $175,951,000 | 3,171 |
| Average earning assets | $169,967,333 | 3,107 |
| Average equity | $21,923,667 | 2,704 |
| Average total loans | $61,613,333 | 3,698 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5527% | 4,481 |
| Cost of funding earning assets | 0.9227% | 232 |
| Net interest margin | 1.6299% | 4,618 |
| Noninterest income to average assets | 1.0300% | 608 |
| Noninterest expense to average assets | 1.5356% | 4,390 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.6413% | 3,779 |
| Return on assets (ROA) | 0.6413% | 3,728 |
| Pretax return on assets | 0.8994% | 3,357 |
| Return on Equity (ROE) | 5.4500% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.4524% | 2,852 |
| Net charge-offs to loans | -0.2460% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.9290% | 3,198 |
| Assets per employee ($millions) | 8.6230% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2138% | 104 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 31.9000% | 4,342 |
| Net loans and leases to deposits | 36.4679% | 4,333 |
| Net loans and leases to core deposits | 63.8590% | 3,271 |
| Total domestic deposits to total assets | 87.4700% | 2,242 |
| Equity capital to assets | 11.9061% | 962 |
| Core capital (leverage) ratio | 11.7616% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $175,567,600 | 3,228 |
| Average earning assets | $170,253,600 | 3,147 |
| Average equity | $20,651,600 | 2,891 |
| Average total loans | $49,995,000 | 3,890 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0021% | 4,607 |
| Cost of funding earning assets | 0.7374% | 214 |
| Net interest margin | 1.2648% | 4,668 |
| Noninterest income to average assets | 1.3500% | 405 |
| Noninterest expense to average assets | 1.5714% | 4,335 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7065% | 3,551 |
| Return on assets (ROA) | 0.7065% | 3,502 |
| Pretax return on assets | 1.0035% | 3,002 |
| Return on Equity (ROE) | 6.0300% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.0253% | 2,748 |
| Net charge-offs to loans | -0.3447% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.0285% | 2,967 |
| Assets per employee ($millions) | 7.3697% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2621% | 105 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 26.0400% | 4,511 |
| Net loans and leases to deposits | 29.6909% | 4,503 |
| Net loans and leases to core deposits | 49.1091% | 3,994 |
| Total domestic deposits to total assets | 87.7100% | 2,517 |
| Equity capital to assets | 11.5918% | 975 |
| Core capital (leverage) ratio | 11.7984% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $174,188,750 | 3,265 |
| Average earning assets | $168,882,750 | 3,190 |
| Average equity | $20,424,500 | 2,957 |
| Average total loans | $47,573,500 | 3,958 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5838% | 4,700 |
| Cost of funding earning assets | 0.6294% | 230 |
| Net interest margin | 0.9544% | 4,733 |
| Noninterest income to average assets | 1.5219% | 331 |
| Noninterest expense to average assets | 1.5172% | 4,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6544% | 3,460 |
| Return on assets (ROA) | 0.6544% | 3,411 |
| Pretax return on assets | 0.9295% | 2,964 |
| Return on Equity (ROE) | 5.5584% | 3,691 |
| Retained earnings to average equity (ytd only) | 5.5584% | 2,490 |
| Net charge-offs to loans | -0.5245% | 4,696 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0096% | 3,044 |
| Assets per employee ($millions) | 7.0987% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2406% | 113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 27.2225% | 4,531 |
| Net loans and leases to deposits | 31.1214% | 4,523 |
| Net loans and leases to core deposits | 50.4453% | 3,914 |
| Total domestic deposits to total assets | 87.4720% | 2,776 |
| Equity capital to assets | 11.8292% | 931 |
| Core capital (leverage) ratio | 11.7836% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,837,667 | 3,329 |
| Average earning assets | $165,546,333 | 3,264 |
| Average equity | $20,113,667 | 3,060 |
| Average total loans | $46,898,000 | 4,014 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5467% | 4,713 |
| Cost of funding earning assets | 0.5658% | 332 |
| Net interest margin | 0.9809% | 4,754 |
| Noninterest income to average assets | 1.8266% | 274 |
| Noninterest expense to average assets | 1.4995% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9073% | 2,250 |
| Return on assets (ROA) | 0.9073% | 2,247 |
| Pretax return on assets | 1.2750% | 1,583 |
| Return on Equity (ROE) | 7.7259% | 2,788 |
| Retained earnings to average equity (ytd only) | 7.7259% | 1,663 |
| Net charge-offs to loans | -1.0841% | 4,743 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0448% | 4,048 |
| Assets per employee ($millions) | 6.8147% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5369% | 98 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 25.9016% | 4,566 |
| Net loans and leases to deposits | 29.5184% | 4,563 |
| Net loans and leases to core deposits | 48.7613% | 3,942 |
| Total domestic deposits to total assets | 87.7471% | 2,647 |
| Equity capital to assets | 11.6595% | 1,070 |
| Core capital (leverage) ratio | 11.8091% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,523,000 | 3,365 |
| Average earning assets | $161,891,000 | 3,307 |
| Average equity | $19,674,000 | 3,170 |
| Average total loans | $45,382,500 | 4,054 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9029% | 4,793 |
| Cost of funding earning assets | 0.6123% | 510 |
| Net interest margin | 0.2907% | 4,817 |
| Noninterest income to average assets | 2.5599% | 227 |
| Noninterest expense to average assets | 1.4223% | 4,608 |
| Loan and lease loss provision to assets | 0.1659% | 702 |
| Net operating income to assets | 0.9033% | 3,030 |
| Return on assets (ROA) | 0.9033% | 3,096 |
| Pretax return on assets | 1.2518% | 2,518 |
| Return on Equity (ROE) | 7.3801% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.3801% | 1,768 |
| Net charge-offs to loans | -0.0844% | 4,529 |
| Credit loss provision to net charge-offs | -735.2941% | 3,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0818% | 4,278 |
| Assets per employee ($millions) | 6.8616% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3186% | 113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 26.4304% | 4,617 |
| Net loans and leases to deposits | 30.1520% | 4,618 |
| Net loans and leases to core deposits | 49.8231% | 4,019 |
| Total domestic deposits to total assets | 87.6571% | 2,219 |
| Equity capital to assets | 11.8316% | 1,330 |
| Core capital (leverage) ratio | 11.1711% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,668,600 | 3,477 |
| Average earning assets | $145,191,800 | 3,422 |
| Average equity | $18,441,400 | 3,353 |
| Average total loans | $40,289,600 | 4,179 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8517% | 4,878 |
| Cost of funding earning assets | 0.6188% | 580 |
| Net interest margin | 0.2330% | 4,900 |
| Noninterest income to average assets | 2.8611% | 208 |
| Noninterest expense to average assets | 1.0627% | 4,822 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4242% | 1,462 |
| Return on assets (ROA) | 1.4242% | 1,528 |
| Pretax return on assets | 2.0222% | 767 |
| Return on Equity (ROE) | 11.5284% | 2,203 |
| Retained earnings to average equity (ytd only) | 11.5284% | 939 |
| Net charge-offs to loans | -0.0852% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4493% | 4,831 |
| Assets per employee ($millions) | 6.5570% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9806% | 156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 23.5990% | 4,749 |
| Net loans and leases to deposits | 26.8631% | 4,755 |
| Net loans and leases to core deposits | 43.8052% | 4,390 |
| Total domestic deposits to total assets | 87.8492% | 1,938 |
| Equity capital to assets | 11.5525% | 1,635 |
| Core capital (leverage) ratio | 11.7815% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,166,250 | 3,545 |
| Average earning assets | $141,353,000 | 3,498 |
| Average equity | $18,180,750 | 3,413 |
| Average total loans | $39,107,250 | 4,273 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8842% | 4,920 |
| Cost of funding earning assets | 0.6316% | 633 |
| Net interest margin | 0.2526% | 4,939 |
| Noninterest income to average assets | 3.3402% | 162 |
| Noninterest expense to average assets | 1.5797% | 4,538 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4104% | 1,536 |
| Return on assets (ROA) | 1.4104% | 1,601 |
| Pretax return on assets | 2.0015% | 837 |
| Return on Equity (ROE) | 11.1224% | 2,390 |
| Retained earnings to average equity (ytd only) | 11.1224% | 1,101 |
| Net charge-offs to loans | -0.0887% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1106% | 4,608 |
| Assets per employee ($millions) | 6.3851% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0722% | 142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 23.3375% | 4,789 |
| Net loans and leases to deposits | 26.5401% | 4,807 |
| Net loans and leases to core deposits | 43.3517% | 4,485 |
| Total domestic deposits to total assets | 87.9328% | 1,864 |
| Equity capital to assets | 11.5088% | 1,624 |
| Core capital (leverage) ratio | 12.3641% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,394,333 | 3,641 |
| Average earning assets | $133,005,333 | 3,598 |
| Average equity | $17,676,000 | 3,457 |
| Average total loans | $38,320,333 | 4,318 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8652% | 4,950 |
| Cost of funding earning assets | 0.6439% | 721 |
| Net interest margin | 0.2213% | 4,966 |
| Noninterest income to average assets | 5.4534% | 112 |
| Noninterest expense to average assets | 1.4213% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.9853% | 156 |
| Return on assets (ROA) | 2.9853% | 173 |
| Pretax return on assets | 4.2416% | 94 |
| Return on Equity (ROE) | 22.1921% | 379 |
| Retained earnings to average equity (ytd only) | 22.1921% | 198 |
| Net charge-offs to loans | -0.0960% | 4,627 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.0980% | 4,938 |
| Assets per employee ($millions) | 5.6146% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0565% | 137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 28.7159% | 4,732 |
| Net loans and leases to deposits | 33.4151% | 4,736 |
| Net loans and leases to core deposits | 49.7039% | 4,307 |
| Total domestic deposits to total assets | 85.9370% | 2,757 |
| Equity capital to assets | 12.9365% | 930 |
| Core capital (leverage) ratio | 14.0980% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,085,500 | 3,783 |
| Average earning assets | $119,280,000 | 3,752 |
| Average equity | $16,961,000 | 3,510 |
| Average total loans | $37,495,000 | 4,346 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7385% | 4,934 |
| Cost of funding earning assets | 0.9607% | 690 |
| Net interest margin | 0.7778% | 4,973 |
| Noninterest income to average assets | 4.4425% | 126 |
| Noninterest expense to average assets | 2.8134% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.6782% | 528 |
| Return on assets (ROA) | 1.6782% | 565 |
| Pretax return on assets | 2.3477% | 238 |
| Return on Equity (ROE) | 10.8321% | 1,692 |
| Retained earnings to average equity (ytd only) | 10.8321% | 454 |
| Net charge-offs to loans | -0.1302% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5109% | 4,157 |
| Assets per employee ($millions) | 4.8925% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4526% | 97 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 28.8401% | 4,783 |
| Net loans and leases to deposits | 33.8843% | 4,787 |
| Net loans and leases to core deposits | 48.7245% | 4,466 |
| Total domestic deposits to total assets | 85.1133% | 2,713 |
| Equity capital to assets | 14.0436% | 784 |
| Core capital (leverage) ratio | 15.1134% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,705,400 | 4,099 |
| Average earning assets | $84,726,400 | 4,091 |
| Average equity | $14,207,800 | 3,731 |
| Average total loans | $32,258,000 | 4,475 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9802% | 4,966 |
| Cost of funding earning assets | 1.0615% | 616 |
| Net interest margin | 0.9186% | 5,011 |
| Noninterest income to average assets | 3.8931% | 136 |
| Noninterest expense to average assets | 2.4625% | 2,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6010% | 725 |
| Return on assets (ROA) | 1.6010% | 794 |
| Pretax return on assets | 2.2749% | 294 |
| Return on Equity (ROE) | 10.0115% | 2,017 |
| Retained earnings to average equity (ytd only) | 10.0115% | 761 |
| Net charge-offs to loans | -0.1437% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9802% | 4,345 |
| Assets per employee ($millions) | 4.4787% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2652% | 112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 33.1572% | 4,764 |
| Net loans and leases to deposits | 39.2961% | 4,770 |
| Net loans and leases to core deposits | 56.8593% | 4,346 |
| Total domestic deposits to total assets | 84.3778% | 2,684 |
| Equity capital to assets | 14.8631% | 670 |
| Core capital (leverage) ratio | 16.3055% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,276,750 | 4,184 |
| Average earning assets | $78,374,500 | 4,188 |
| Average equity | $13,637,250 | 3,803 |
| Average total loans | $31,553,750 | 4,513 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2494% | 5,000 |
| Cost of funding earning assets | 1.1914% | 514 |
| Net interest margin | 1.0581% | 5,046 |
| Noninterest income to average assets | 2.8611% | 174 |
| Noninterest expense to average assets | 3.3234% | 955 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3416% | 4,347 |
| Return on assets (ROA) | 0.3416% | 4,405 |
| Pretax return on assets | 0.5162% | 4,222 |
| Return on Equity (ROE) | 2.0688% | 4,522 |
| Retained earnings to average equity (ytd only) | 2.0688% | 3,726 |
| Net charge-offs to loans | -0.1746% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5552% | 517 |
| Assets per employee ($millions) | 3.1472% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5358% | 89 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 38.3353% | 4,654 |
| Net loans and leases to deposits | 45.7842% | 4,657 |
| Net loans and leases to core deposits | 62.3970% | 4,160 |
| Total domestic deposits to total assets | 83.7303% | 2,835 |
| Equity capital to assets | 15.2670% | 575 |
| Core capital (leverage) ratio | 16.6577% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,873,000 | 4,278 |
| Average earning assets | $72,018,667 | 4,275 |
| Average equity | $12,857,667 | 3,888 |
| Average total loans | $29,790,667 | 4,565 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7282% | 5,013 |
| Cost of funding earning assets | 1.3184% | 539 |
| Net interest margin | 1.4097% | 5,084 |
| Noninterest income to average assets | 0.9580% | 937 |
| Noninterest expense to average assets | 2.7179% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.4306% | 4,916 |
| Return on assets (ROA) | -0.4306% | 4,889 |
| Pretax return on assets | -0.4306% | 4,871 |
| Return on Equity (ROE) | -2.5000% | 4,853 |
| Retained earnings to average equity (ytd only) | -2.5000% | 4,298 |
| Net charge-offs to loans | -0.1295% | 4,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.8235% | 112 |
| Assets per employee ($millions) | 3.9348% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2467% | 61 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 35.5279% | 4,794 |
| Net loans and leases to deposits | 43.2808% | 4,779 |
| Net loans and leases to core deposits | 59.8261% | 4,364 |
| Total domestic deposits to total assets | 82.0869% | 3,392 |
| Equity capital to assets | 17.0677% | 435 |
| Core capital (leverage) ratio | 17.1416% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,322,500 | 4,338 |
| Average earning assets | $70,084,000 | 4,312 |
| Average equity | $12,800,000 | 3,899 |
| Average total loans | $27,801,500 | 4,639 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6210% | 4,760 |
| Cost of funding earning assets | 1.4573% | 450 |
| Net interest margin | 2.1637% | 5,065 |
| Noninterest income to average assets | 1.7224% | 332 |
| Noninterest expense to average assets | 3.0284% | 1,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5272% | 4,343 |
| Return on assets (ROA) | 0.5272% | 4,390 |
| Pretax return on assets | 0.7264% | 4,150 |
| Return on Equity (ROE) | 3.1494% | 4,639 |
| Retained earnings to average equity (ytd only) | 3.1494% | 3,449 |
| Net charge-offs to loans | -0.1294% | 4,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6542% | 889 |
| Assets per employee ($millions) | 3.8886% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1954% | 53 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 36.1310% | 4,835 |
| Net loans and leases to deposits | 44.2887% | 4,821 |
| Net loans and leases to core deposits | 61.5716% | 4,362 |
| Total domestic deposits to total assets | 81.5806% | 3,621 |
| Equity capital to assets | 17.3786% | 421 |
| Core capital (leverage) ratio | 17.1851% | 397 |
| Tier 1 risk-based capital ratio | 24.3012% | 807 |
| Total risk-based capital ratio | 25.5635% | 784 |
| Memoranda: | ||
| Average total assets | $66,768,800 | 4,486 |
| Average earning assets | $62,718,000 | 4,464 |
| Average equity | $11,176,600 | 4,094 |
| Average total loans | $30,922,400 | 4,623 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 4,689 |
| Cost of funding earning assets | 1.4436% | 493 |
| Net interest margin | 2.3455% | 5,118 |
| Noninterest income to average assets | 1.2145% | 620 |
| Noninterest expense to average assets | 2.9850% | 2,018 |
| Loan and lease loss provision to assets | -0.0041% | 5,039 |
| Net operating income to assets | 0.3077% | 4,831 |
| Return on assets (ROA) | 0.3077% | 4,852 |
| Pretax return on assets | 0.4370% | 4,765 |
| Return on Equity (ROE) | 1.8586% | 4,916 |
| Retained earnings to average equity (ytd only) | 1.8586% | 4,323 |
| Net charge-offs to loans | -0.1262% | 5,036 |
| Credit loss provision to net charge-offs | 6.6667% | 3,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3349% | 437 |
| Assets per employee ($millions) | 3.5990% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8444% | 71 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 40.2742% | 4,808 |
| Net loans and leases to deposits | 47.9784% | 4,819 |
| Net loans and leases to core deposits | 66.5878% | 4,239 |
| Total domestic deposits to total assets | 83.9425% | 2,843 |
| Equity capital to assets | 15.0947% | 828 |
| Core capital (leverage) ratio | 15.3272% | 670 |
| Tier 1 risk-based capital ratio | 22.5004% | 1,011 |
| Total risk-based capital ratio | 23.7678% | 973 |
| Memoranda: | ||
| Average total assets | $64,990,000 | 4,575 |
| Average earning assets | $61,051,500 | 4,552 |
| Average equity | $10,760,750 | 4,190 |
| Average total loans | $31,687,000 | 4,669 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 4,724 |
| Cost of funding earning assets | 1.3749% | 588 |
| Net interest margin | 2.4129% | 5,163 |
| Noninterest income to average assets | 0.5905% | 2,195 |
| Noninterest expense to average assets | 2.8694% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.0160% | 5,103 |
| Return on assets (ROA) | -0.0160% | 5,111 |
| Pretax return on assets | -0.0160% | 5,113 |
| Return on Equity (ROE) | -0.0932% | 5,110 |
| Retained earnings to average equity (ytd only) | -0.0932% | 4,700 |
| Net charge-offs to loans | -0.1242% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5593% | 157 |
| Assets per employee ($millions) | 3.3987% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4818% | 87 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 46.8583% | 4,611 |
| Net loans and leases to deposits | 56.3067% | 4,580 |
| Net loans and leases to core deposits | 71.6445% | 4,030 |
| Total domestic deposits to total assets | 83.2198% | 3,140 |
| Equity capital to assets | 15.7563% | 662 |
| Core capital (leverage) ratio | 16.9958% | 435 |
| Tier 1 risk-based capital ratio | 19.5915% | 1,423 |
| Total risk-based capital ratio | 20.8520% | 1,397 |
| Memoranda: | ||
| Average total assets | $62,660,330 | 4,643 |
| Average earning assets | $58,766,670 | 4,629 |
| Average equity | $10,726,000 | 4,210 |
| Average total loans | $32,200,000 | 4,699 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9676% | 4,437 |
| Cost of funding earning assets | 1.2847% | 691 |
| Net interest margin | 2.6829% | 5,080 |
| Noninterest income to average assets | 0.9533% | 912 |
| Noninterest expense to average assets | 3.1198% | 1,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2467% | 4,963 |
| Return on assets (ROA) | 0.2467% | 4,970 |
| Pretax return on assets | 0.3533% | 4,896 |
| Return on Equity (ROE) | 1.3788% | 5,041 |
| Retained earnings to average equity (ytd only) | 1.3788% | 4,233 |
| Net charge-offs to loans | -0.1258% | 5,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8273% | 399 |
| Assets per employee ($millions) | 3.3978% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5163% | 86 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 51.1004% | 4,397 |
| Net loans and leases to deposits | 62.8858% | 4,249 |
| Net loans and leases to core deposits | 77.8387% | 3,528 |
| Total domestic deposits to total assets | 81.2590% | 3,916 |
| Equity capital to assets | 17.5818% | 382 |
| Core capital (leverage) ratio | 17.5636% | 363 |
| Tier 1 risk-based capital ratio | 20.8146% | 1,196 |
| Total risk-based capital ratio | 22.0826% | 1,163 |
| Memoranda: | ||
| Average total assets | $60,004,000 | 4,747 |
| Average earning assets | $56,356,000 | 4,733 |
| Average equity | $10,734,000 | 4,235 |
| Average total loans | $31,800,000 | 4,755 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6369% | 4,760 |
| Cost of funding earning assets | 0.7952% | 1,545 |
| Net interest margin | 2.8418% | 4,983 |
| Noninterest income to average assets | 2.3439% | 218 |
| Noninterest expense to average assets | 3.9386% | 583 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7386% | 4,008 |
| Return on assets (ROA) | 0.7386% | 4,011 |
| Pretax return on assets | 1.0386% | 3,480 |
| Return on Equity (ROE) | 4.0003% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.0003% | 3,371 |
| Net charge-offs to loans | -0.1295% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1329% | 1,028 |
| Assets per employee ($millions) | 2.9424% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6177% | 74 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 51.1130% | 4,448 |
| Net loans and leases to deposits | 63.4096% | 4,282 |
| Net loans and leases to core deposits | 78.8461% | 3,513 |
| Total domestic deposits to total assets | 80.6077% | 3,976 |
| Equity capital to assets | 18.2079% | 326 |
| Core capital (leverage) ratio | 17.8852% | 341 |
| Tier 1 risk-based capital ratio | 21.3610% | 1,116 |
| Total risk-based capital ratio | 22.6313% | 1,092 |
| Memoranda: | ||
| Average total assets | $56,999,800 | 4,816 |
| Average earning assets | $52,819,400 | 4,801 |
| Average equity | $10,524,200 | 4,231 |
| Average total loans | $29,348,200 | 4,832 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5234% | 4,909 |
| Cost of funding earning assets | 0.7031% | 1,828 |
| Net interest margin | 2.8202% | 5,068 |
| Noninterest income to average assets | 2.6200% | 194 |
| Noninterest expense to average assets | 4.0538% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8301% | 3,811 |
| Return on assets (ROA) | 0.8301% | 3,821 |
| Pretax return on assets | 1.1768% | 3,085 |
| Return on Equity (ROE) | 4.4797% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.4797% | 3,507 |
| Net charge-offs to loans | -0.1292% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5023% | 1,175 |
| Assets per employee ($millions) | 2.7102% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8483% | 70 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 49.1241% | 4,653 |
| Net loans and leases to deposits | 61.4241% | 4,473 |
| Net loans and leases to core deposits | 77.0921% | 3,731 |
| Total domestic deposits to total assets | 79.9754% | 4,129 |
| Equity capital to assets | 18.7051% | 285 |
| Core capital (leverage) ratio | 18.1692% | 317 |
| Tier 1 risk-based capital ratio | 23.1280% | 923 |
| Total risk-based capital ratio | 24.4055% | 896 |
| Memoranda: | ||
| Average total assets | $56,537,750 | 4,876 |
| Average earning assets | $52,334,500 | 4,867 |
| Average equity | $10,476,500 | 4,277 |
| Average total loans | $28,883,250 | 4,901 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4161% | 5,023 |
| Cost of funding earning assets | 0.6155% | 2,129 |
| Net interest margin | 2.8006% | 5,118 |
| Noninterest income to average assets | 2.8292% | 174 |
| Noninterest expense to average assets | 4.1481% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8899% | 3,497 |
| Return on assets (ROA) | 0.8899% | 3,504 |
| Pretax return on assets | 1.2621% | 2,663 |
| Return on Equity (ROE) | 4.8177% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.8177% | 3,171 |
| Net charge-offs to loans | -0.1249% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6710% | 1,353 |
| Assets per employee ($millions) | 2.6585% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7436% | 67 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 51.0756% | 4,539 |
| Net loans and leases to deposits | 64.0024% | 4,280 |
| Net loans and leases to core deposits | 80.6123% | 3,362 |
| Total domestic deposits to total assets | 79.8026% | 4,279 |
| Equity capital to assets | 18.8862% | 271 |
| Core capital (leverage) ratio | 17.8135% | 324 |
| Tier 1 risk-based capital ratio | 22.3806% | 999 |
| Total risk-based capital ratio | 23.6547% | 975 |
| Memoranda: | ||
| Average total assets | $56,412,000 | 4,934 |
| Average earning assets | $51,989,670 | 4,931 |
| Average equity | $10,420,000 | 4,319 |
| Average total loans | $28,818,330 | 4,952 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2610% | 5,183 |
| Cost of funding earning assets | 0.5321% | 2,528 |
| Net interest margin | 2.7289% | 5,232 |
| Noninterest income to average assets | 2.7935% | 170 |
| Noninterest expense to average assets | 4.0421% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9029% | 3,273 |
| Return on assets (ROA) | 0.9029% | 3,279 |
| Pretax return on assets | 1.2839% | 2,430 |
| Return on Equity (ROE) | 4.9430% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.9430% | 3,209 |
| Net charge-offs to loans | -0.1267% | 5,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8940% | 1,605 |
| Assets per employee ($millions) | 2.6113% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7241% | 74 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 49.4996% | 4,594 |
| Net loans and leases to deposits | 61.3170% | 4,378 |
| Net loans and leases to core deposits | 83.1321% | 3,049 |
| Total domestic deposits to total assets | 80.7273% | 4,266 |
| Equity capital to assets | 18.1413% | 301 |
| Core capital (leverage) ratio | 17.8454% | 316 |
| Tier 1 risk-based capital ratio | 22.0062% | 1,048 |
| Total risk-based capital ratio | 23.2791% | 1,024 |
| Memoranda: | ||
| Average total assets | $56,703,500 | 4,986 |
| Average earning assets | $52,621,500 | 4,981 |
| Average equity | $10,358,000 | 4,372 |
| Average total loans | $28,415,500 | 5,008 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6961% | 5,496 |
| Cost of funding earning assets | 0.4066% | 3,189 |
| Net interest margin | 2.2895% | 5,507 |
| Noninterest income to average assets | 2.2914% | 243 |
| Noninterest expense to average assets | 3.8793% | 628 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5935% | 4,036 |
| Return on assets (ROA) | 0.5935% | 4,080 |
| Pretax return on assets | 0.5625% | 4,821 |
| Return on Equity (ROE) | 3.4235% | 4,710 |
| Retained earnings to average equity (ytd only) | 3.4235% | 3,235 |
| Net charge-offs to loans | -0.1349% | 5,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3354% | 569 |
| Assets per employee ($millions) | 2.5435% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9972% | 60 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 46.8262% | 4,840 |
| Net loans and leases to deposits | 58.1449% | 4,685 |
| Net loans and leases to core deposits | 78.3301% | 3,560 |
| Total domestic deposits to total assets | 80.5336% | 4,237 |
| Equity capital to assets | 18.3959% | 285 |
| Core capital (leverage) ratio | 17.9722% | 292 |
| Tier 1 risk-based capital ratio | 22.4796% | 968 |
| Total risk-based capital ratio | 23.7529% | 944 |
| Memoranda: | ||
| Average total assets | $58,129,200 | 5,002 |
| Average earning assets | $54,597,200 | 4,982 |
| Average equity | $10,077,400 | 4,432 |
| Average total loans | $27,433,200 | 5,077 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7110% | 5,558 |
| Cost of funding earning assets | 0.3887% | 3,301 |
| Net interest margin | 2.3223% | 5,562 |
| Noninterest income to average assets | 2.1475% | 284 |
| Noninterest expense to average assets | 3.7314% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3704% | 5,065 |
| Return on assets (ROA) | 0.3704% | 5,084 |
| Pretax return on assets | 0.6022% | 4,838 |
| Return on Equity (ROE) | 2.1683% | 5,281 |
| Retained earnings to average equity (ytd only) | 2.1683% | 4,560 |
| Net charge-offs to loans | -0.1311% | 5,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1038% | 623 |
| Assets per employee ($millions) | 2.3359% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1209% | 62 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 44.8636% | 4,991 |
| Net loans and leases to deposits | 55.6660% | 4,883 |
| Net loans and leases to core deposits | 74.3101% | 3,948 |
| Total domestic deposits to total assets | 80.5944% | 4,174 |
| Equity capital to assets | 18.0375% | 334 |
| Core capital (leverage) ratio | 17.5358% | 339 |
| Tier 1 risk-based capital ratio | 20.0346% | 1,356 |
| Total risk-based capital ratio | 21.2946% | 1,319 |
| Memoranda: | ||
| Average total assets | $58,672,000 | 5,046 |
| Average earning assets | $55,231,250 | 5,024 |
| Average equity | $10,023,250 | 4,482 |
| Average total loans | $27,468,000 | 5,138 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6237% | 5,628 |
| Cost of funding earning assets | 0.3707% | 3,375 |
| Net interest margin | 2.2530% | 5,629 |
| Noninterest income to average assets | 2.0590% | 301 |
| Noninterest expense to average assets | 3.7284% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2989% | 5,223 |
| Return on assets (ROA) | 0.2989% | 5,243 |
| Pretax return on assets | 0.4535% | 5,080 |
| Return on Equity (ROE) | 1.7811% | 5,372 |
| Retained earnings to average equity (ytd only) | 1.7811% | 4,538 |
| Net charge-offs to loans | -0.1291% | 5,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1566% | 493 |
| Assets per employee ($millions) | 2.4714% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9432% | 69 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 44.0274% | 5,039 |
| Net loans and leases to deposits | 53.7668% | 4,971 |
| Net loans and leases to core deposits | 71.3244% | 4,138 |
| Total domestic deposits to total assets | 81.8859% | 3,918 |
| Equity capital to assets | 16.9238% | 413 |
| Core capital (leverage) ratio | 16.7816% | 386 |
| Tier 1 risk-based capital ratio | 17.9147% | 1,880 |
| Total risk-based capital ratio | 19.1705% | 1,830 |
| Memoranda: | ||
| Average total assets | $59,542,330 | 5,066 |
| Average earning assets | $56,103,000 | 5,048 |
| Average equity | $9,993,670 | 4,511 |
| Average total loans | $27,880,000 | 5,168 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5725% | 5,695 |
| Cost of funding earning assets | 0.3421% | 3,614 |
| Net interest margin | 2.2305% | 5,688 |
| Noninterest income to average assets | 1.7500% | 380 |
| Noninterest expense to average assets | 3.4397% | 1,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3084% | 5,170 |
| Return on assets (ROA) | 0.3084% | 5,194 |
| Pretax return on assets | 0.4090% | 5,147 |
| Return on Equity (ROE) | 1.8453% | 5,361 |
| Retained earnings to average equity (ytd only) | 1.8453% | 4,382 |
| Net charge-offs to loans | -0.1275% | 5,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3728% | 587 |
| Assets per employee ($millions) | 2.4770% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7226% | 100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 46.2455% | 4,929 |
| Net loans and leases to deposits | 56.4506% | 4,791 |
| Net loans and leases to core deposits | 75.6210% | 3,689 |
| Total domestic deposits to total assets | 81.9220% | 4,189 |
| Equity capital to assets | 16.8130% | 398 |
| Core capital (leverage) ratio | 16.8267% | 378 |
| Tier 1 risk-based capital ratio | 18.0818% | 1,847 |
| Total risk-based capital ratio | 19.3440% | 1,804 |
| Memoranda: | ||
| Average total assets | $59,657,000 | 5,120 |
| Average earning assets | $56,132,000 | 5,098 |
| Average equity | $9,971,500 | 4,548 |
| Average total loans | $28,227,000 | 5,211 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5337% | 5,746 |
| Cost of funding earning assets | 0.3267% | 3,779 |
| Net interest margin | 2.2070% | 5,749 |
| Noninterest income to average assets | 2.7081% | 232 |
| Noninterest expense to average assets | 3.8211% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5757% | 4,319 |
| Return on assets (ROA) | 0.5757% | 4,423 |
| Pretax return on assets | 0.9611% | 3,614 |
| Return on Equity (ROE) | 3.5598% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.5598% | 3,391 |
| Net charge-offs to loans | -0.1350% | 5,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9023% | 1,432 |
| Assets per employee ($millions) | 2.7212% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7779% | 89 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 44.8418% | 5,071 |
| Net loans and leases to deposits | 54.5907% | 4,985 |
| Net loans and leases to core deposits | 72.8356% | 4,025 |
| Total domestic deposits to total assets | 82.1418% | 4,034 |
| Equity capital to assets | 16.6171% | 428 |
| Core capital (leverage) ratio | 15.9031% | 474 |
| Tier 1 risk-based capital ratio | 16.8446% | 2,213 |
| Total risk-based capital ratio | 18.1007% | 2,161 |
| Memoranda: | ||
| Average total assets | $59,930,600 | 5,146 |
| Average earning assets | $56,320,400 | 5,121 |
| Average equity | $9,691,600 | 4,638 |
| Average total loans | $25,920,000 | 5,316 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5099% | 5,821 |
| Cost of funding earning assets | 0.3217% | 3,849 |
| Net interest margin | 2.1881% | 5,822 |
| Noninterest income to average assets | 2.2486% | 297 |
| Noninterest expense to average assets | 3.5342% | 1,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4560% | 4,849 |
| Return on assets (ROA) | 0.4560% | 4,932 |
| Pretax return on assets | 0.7718% | 4,404 |
| Return on Equity (ROE) | 2.8391% | 5,261 |
| Retained earnings to average equity (ytd only) | 2.8391% | 4,193 |
| Net charge-offs to loans | -0.1364% | 5,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0764% | 1,179 |
| Assets per employee ($millions) | 2.8365% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6471% | 99 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 44.2415% | 5,171 |
| Net loans and leases to deposits | 53.4821% | 5,138 |
| Net loans and leases to core deposits | 70.2261% | 4,307 |
| Total domestic deposits to total assets | 82.7220% | 3,700 |
| Equity capital to assets | 15.7172% | 592 |
| Core capital (leverage) ratio | 15.9399% | 483 |
| Tier 1 risk-based capital ratio | 16.7147% | 2,328 |
| Total risk-based capital ratio | 17.9707% | 2,276 |
| Memoranda: | ||
| Average total assets | $59,946,750 | 5,187 |
| Average earning assets | $56,362,750 | 5,161 |
| Average equity | $9,627,500 | 4,690 |
| Average total loans | $25,425,250 | 5,385 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3574% | 5,945 |
| Cost of funding earning assets | 0.3162% | 3,952 |
| Net interest margin | 2.0411% | 5,947 |
| Noninterest income to average assets | 1.6439% | 463 |
| Noninterest expense to average assets | 3.5144% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0372% | 5,737 |
| Return on assets (ROA) | 0.0372% | 5,768 |
| Pretax return on assets | 0.0507% | 5,761 |
| Return on Equity (ROE) | 0.2299% | 5,780 |
| Retained earnings to average equity (ytd only) | 0.2299% | 5,236 |
| Net charge-offs to loans | -0.1478% | 5,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5769% | 267 |
| Assets per employee ($millions) | 2.8751% | 5,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7583% | 101 |
| Loan loss allowance to noncurrent loans | 864.1667% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 4,691 |
| Noncurrent loans to loans | 0.4349% | 3,810 |
| Net loans and leases to total assets | 43.9813% | 5,232 |
| Net loans and leases to deposits | 53.0453% | 5,197 |
| Net loans and leases to core deposits | 70.9079% | 4,257 |
| Total domestic deposits to total assets | 82.9127% | 3,684 |
| Equity capital to assets | 15.9230% | 559 |
| Core capital (leverage) ratio | 16.0898% | 457 |
| Tier 1 risk-based capital ratio | 16.8758% | 2,271 |
| Total risk-based capital ratio | 18.1327% | 2,217 |
| Memoranda: | ||
| Average total assets | $59,128,000 | 5,257 |
| Average earning assets | $55,655,330 | 5,230 |
| Average equity | $9,567,330 | 4,728 |
| Average total loans | $24,349,330 | 5,486 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1224% | 6,047 |
| Cost of funding earning assets | 0.3104% | 4,057 |
| Net interest margin | 1.8120% | 6,043 |
| Noninterest income to average assets | 1.2307% | 713 |
| Noninterest expense to average assets | 3.7605% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.8136% | 6,014 |
| Return on assets (ROA) | -0.8136% | 6,016 |
| Pretax return on assets | -0.8136% | 6,008 |
| Return on Equity (ROE) | -4.9874% | 5,971 |
| Retained earnings to average equity (ytd only) | -4.9874% | 5,608 |
| Net charge-offs to loans | -0.1408% | 5,755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.6102% | 78 |
| Assets per employee ($millions) | 2.7230% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5728% | 63 |
| Loan loss allowance to noncurrent loans | 790.0000% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 4,647 |
| Noncurrent loans to loans | 0.5788% | 3,458 |
| Net loans and leases to total assets | 37.4797% | 5,577 |
| Net loans and leases to deposits | 45.6233% | 5,529 |
| Net loans and leases to core deposits | 58.1696% | 5,037 |
| Total domestic deposits to total assets | 82.1503% | 4,172 |
| Equity capital to assets | 16.5871% | 461 |
| Core capital (leverage) ratio | 16.5221% | 416 |
| Tier 1 risk-based capital ratio | 18.8451% | 1,766 |
| Total risk-based capital ratio | 20.1089% | 1,729 |
| Memoranda: | ||
| Average total assets | $58,503,000 | 5,329 |
| Average earning assets | $55,409,000 | 5,286 |
| Average equity | $9,544,000 | 4,754 |
| Average total loans | $22,728,000 | 5,599 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2819% | 6,057 |
| Cost of funding earning assets | 0.3265% | 3,948 |
| Net interest margin | 1.9554% | 6,056 |
| Noninterest income to average assets | 2.7317% | 240 |
| Noninterest expense to average assets | 3.5569% | 1,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6099% | 4,221 |
| Return on assets (ROA) | 0.6099% | 4,318 |
| Pretax return on assets | 1.0267% | 3,357 |
| Return on Equity (ROE) | 3.8008% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.8008% | 3,329 |
| Net charge-offs to loans | -0.1423% | 5,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5997% | 2,032 |
| Assets per employee ($millions) | 2.9912% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4310% | 67 |
| Loan loss allowance to noncurrent loans | 702.7586% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 4,627 |
| Noncurrent loans to loans | 0.6305% | 3,295 |
| Net loans and leases to total assets | 36.7384% | 5,677 |
| Net loans and leases to deposits | 44.4476% | 5,636 |
| Net loans and leases to core deposits | 58.6236% | 5,072 |
| Total domestic deposits to total assets | 82.6555% | 3,959 |
| Equity capital to assets | 16.0524% | 517 |
| Core capital (leverage) ratio | 15.8848% | 478 |
| Tier 1 risk-based capital ratio | 17.0690% | 2,258 |
| Total risk-based capital ratio | 18.3256% | 2,212 |
| Memoranda: | ||
| Average total assets | $58,534,600 | 5,355 |
| Average earning assets | $55,436,000 | 5,309 |
| Average equity | $9,392,800 | 4,770 |
| Average total loans | $24,599,400 | 5,568 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3029% | 6,142 |
| Cost of funding earning assets | 0.3290% | 3,997 |
| Net interest margin | 1.9739% | 6,142 |
| Noninterest income to average assets | 2.7760% | 234 |
| Noninterest expense to average assets | 3.7036% | 969 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5451% | 4,610 |
| Return on assets (ROA) | 0.5451% | 4,706 |
| Pretax return on assets | 0.9414% | 3,846 |
| Return on Equity (ROE) | 3.3974% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.3974% | 4,052 |
| Net charge-offs to loans | -0.1387% | 5,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7337% | 1,699 |
| Assets per employee ($millions) | 2.8401% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8383% | 102 |
| Loan loss allowance to noncurrent loans | 577.1429% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 4,592 |
| Noncurrent loans to loans | 0.6650% | 3,336 |
| Net loans and leases to total assets | 42.4258% | 5,464 |
| Net loans and leases to deposits | 51.3089% | 5,402 |
| Net loans and leases to core deposits | 67.9065% | 4,544 |
| Total domestic deposits to total assets | 82.6870% | 3,923 |
| Equity capital to assets | 15.9013% | 575 |
| Core capital (leverage) ratio | 16.2250% | 458 |
| Tier 1 risk-based capital ratio | 16.9372% | 2,400 |
| Total risk-based capital ratio | 18.1945% | 2,346 |
| Memoranda: | ||
| Average total assets | $58,212,500 | 5,427 |
| Average earning assets | $55,117,250 | 5,383 |
| Average equity | $9,340,250 | 4,838 |
| Average total loans | $25,000,000 | 5,616 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2444% | 6,233 |
| Cost of funding earning assets | 0.3301% | 4,049 |
| Net interest margin | 1.9144% | 6,224 |
| Noninterest income to average assets | 2.6327% | 254 |
| Noninterest expense to average assets | 3.6892% | 1,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4676% | 4,904 |
| Return on assets (ROA) | 0.4676% | 4,999 |
| Pretax return on assets | 0.7517% | 4,488 |
| Return on Equity (ROE) | 2.9056% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.9056% | 4,192 |
| Net charge-offs to loans | -0.1466% | 5,923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0733% | 1,358 |
| Assets per employee ($millions) | 2.8942% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8262% | 121 |
| Loan loss allowance to noncurrent loans | 495.5446% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 4,493 |
| Noncurrent loans to loans | 0.7721% | 3,182 |
| Net loans and leases to total assets | 43.4680% | 5,406 |
| Net loans and leases to deposits | 52.6789% | 5,335 |
| Net loans and leases to core deposits | 70.9780% | 4,226 |
| Total domestic deposits to total assets | 82.5150% | 4,121 |
| Equity capital to assets | 16.2066% | 500 |
| Core capital (leverage) ratio | 15.7130% | 512 |
| Tier 1 risk-based capital ratio | 17.5470% | 2,203 |
| Total risk-based capital ratio | 18.8040% | 2,154 |
| Memoranda: | ||
| Average total assets | $57,735,670 | 5,495 |
| Average earning assets | $54,535,330 | 5,450 |
| Average equity | $9,292,330 | 4,886 |
| Average total loans | $24,562,000 | 5,680 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2336% | 6,298 |
| Cost of funding earning assets | 0.3222% | 4,196 |
| Net interest margin | 1.9113% | 6,297 |
| Noninterest income to average assets | 1.6510% | 465 |
| Noninterest expense to average assets | 3.4338% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0208% | 5,989 |
| Return on assets (ROA) | 0.0208% | 6,028 |
| Pretax return on assets | 0.0277% | 6,018 |
| Return on Equity (ROE) | 0.1298% | 6,040 |
| Retained earnings to average equity (ytd only) | 0.1298% | 5,333 |
| Net charge-offs to loans | -0.1515% | 5,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1984% | 387 |
| Assets per employee ($millions) | 3.0401% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0261% | 126 |
| Loan loss allowance to noncurrent loans | 689.5833% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 4,986 |
| Noncurrent loans to loans | 0.5838% | 3,829 |
| Net loans and leases to total assets | 38.9313% | 5,666 |
| Net loans and leases to deposits | 46.4930% | 5,641 |
| Net loans and leases to core deposits | 61.0298% | 4,917 |
| Total domestic deposits to total assets | 83.7357% | 3,915 |
| Equity capital to assets | 15.2117% | 677 |
| Core capital (leverage) ratio | 16.0297% | 457 |
| Tier 1 risk-based capital ratio | 17.9529% | 2,147 |
| Total risk-based capital ratio | 19.2108% | 2,104 |
| Memoranda: | ||
| Average total assets | $57,661,500 | 5,549 |
| Average earning assets | $54,621,500 | 5,500 |
| Average equity | $9,248,000 | 4,930 |
| Average total loans | $23,762,000 | 5,763 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9783% | 6,078 |
| Cost of funding earning assets | 0.3751% | 3,974 |
| Net interest margin | 2.6032% | 6,067 |
| Noninterest income to average assets | 2.2434% | 285 |
| Noninterest expense to average assets | 3.9268% | 828 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4536% | 5,001 |
| Return on assets (ROA) | 0.4536% | 5,095 |
| Pretax return on assets | 0.7761% | 4,343 |
| Return on Equity (ROE) | 2.8186% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.8186% | 4,235 |
| Net charge-offs to loans | -0.4716% | 6,386 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4966% | 1,473 |
| Assets per employee ($millions) | 2.8695% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3045% | 106 |
| Loan loss allowance to noncurrent loans | 552.8090% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 4,740 |
| Noncurrent loans to loans | 0.7787% | 3,365 |
| Net loans and leases to total assets | 40.1240% | 5,732 |
| Net loans and leases to deposits | 49.0989% | 5,625 |
| Net loans and leases to core deposits | 62.1654% | 4,987 |
| Total domestic deposits to total assets | 81.7208% | 4,515 |
| Equity capital to assets | 16.9604% | 421 |
| Core capital (leverage) ratio | 16.1957% | 448 |
| Tier 1 risk-based capital ratio | 19.0070% | 1,844 |
| Total risk-based capital ratio | 20.2085% | 1,824 |
| Memoranda: | ||
| Average total assets | $56,432,800 | 5,642 |
| Average earning assets | $53,318,800 | 5,585 |
| Average equity | $9,082,400 | 4,959 |
| Average total loans | $24,386,000 | 5,803 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5200% | 6,403 |
| Cost of funding earning assets | 0.3869% | 3,936 |
| Net interest margin | 2.1330% | 6,414 |
| Noninterest income to average assets | 2.3897% | 257 |
| Noninterest expense to average assets | 3.8726% | 883 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3280% | 5,502 |
| Return on assets (ROA) | 0.3280% | 5,569 |
| Pretax return on assets | 0.5318% | 5,230 |
| Return on Equity (ROE) | 2.0645% | 5,821 |
| Retained earnings to average equity (ytd only) | 2.0645% | 5,020 |
| Net charge-offs to loans | -1.0174% | 6,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9255% | 1,010 |
| Assets per employee ($millions) | 2.9466% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1404% | 147 |
| Loan loss allowance to noncurrent loans | 493.9252% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 4,032 |
| Noncurrent loans to loans | 0.8383% | 3,479 |
| Net loans and leases to total assets | 43.7117% | 5,541 |
| Net loans and leases to deposits | 52.9892% | 5,460 |
| Net loans and leases to core deposits | 66.8999% | 4,614 |
| Total domestic deposits to total assets | 82.4917% | 4,304 |
| Equity capital to assets | 16.3079% | 520 |
| Core capital (leverage) ratio | 15.9159% | 490 |
| Tier 1 risk-based capital ratio | 17.7352% | 2,300 |
| Total risk-based capital ratio | 18.9545% | 2,276 |
| Memoranda: | ||
| Average total assets | $56,910,750 | 5,692 |
| Average earning assets | $53,756,000 | 5,642 |
| Average equity | $9,041,250 | 5,000 |
| Average total loans | $24,767,500 | 5,851 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5332% | 6,468 |
| Cost of funding earning assets | 0.4037% | 3,834 |
| Net interest margin | 2.1295% | 6,482 |
| Noninterest income to average assets | 2.2440% | 291 |
| Noninterest expense to average assets | 3.9567% | 797 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2097% | 5,804 |
| Return on assets (ROA) | 0.2097% | 5,861 |
| Pretax return on assets | 0.2971% | 5,783 |
| Return on Equity (ROE) | 1.3316% | 5,984 |
| Retained earnings to average equity (ytd only) | 1.3316% | 5,211 |
| Net charge-offs to loans | -0.3182% | 6,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0156% | 692 |
| Assets per employee ($millions) | 2.9495% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8754% | 194 |
| Loan loss allowance to noncurrent loans | 361.3546% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 3,983 |
| Noncurrent loans to loans | 1.0725% | 3,084 |
| Net loans and leases to total assets | 40.1438% | 5,802 |
| Net loans and leases to deposits | 48.5320% | 5,740 |
| Net loans and leases to core deposits | 61.0452% | 5,047 |
| Total domestic deposits to total assets | 82.7162% | 4,407 |
| Equity capital to assets | 16.1489% | 524 |
| Core capital (leverage) ratio | 15.7810% | 506 |
| Tier 1 risk-based capital ratio | 17.9230% | 2,270 |
| Total risk-based capital ratio | 18.9847% | 2,307 |
| Memoranda: | ||
| Average total assets | $57,219,330 | 5,734 |
| Average earning assets | $54,003,000 | 5,688 |
| Average equity | $9,011,670 | 5,026 |
| Average total loans | $24,513,670 | 5,906 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5241% | 6,545 |
| Cost of funding earning assets | 0.4256% | 3,691 |
| Net interest margin | 2.0985% | 6,561 |
| Noninterest income to average assets | 2.0205% | 335 |
| Noninterest expense to average assets | 3.9579% | 798 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0277% | 6,171 |
| Return on assets (ROA) | 0.0277% | 6,189 |
| Pretax return on assets | 0.0415% | 6,166 |
| Return on Equity (ROE) | 0.1779% | 6,202 |
| Retained earnings to average equity (ytd only) | 0.1779% | 5,492 |
| Net charge-offs to loans | -0.2393% | 6,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9619% | 501 |
| Assets per employee ($millions) | 3.0203% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5755% | 252 |
| Loan loss allowance to noncurrent loans | 609.6552% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.4688% | 4,734 |
| Noncurrent loans to loans | 0.5865% | 4,400 |
| Net loans and leases to total assets | 41.5440% | 5,704 |
| Net loans and leases to deposits | 49.9811% | 5,600 |
| Net loans and leases to core deposits | 63.2797% | 4,752 |
| Total domestic deposits to total assets | 83.1193% | 4,568 |
| Equity capital to assets | 15.6748% | 573 |
| Core capital (leverage) ratio | 15.2551% | 570 |
| Tier 1 risk-based capital ratio | 17.2449% | 2,575 |
| Total risk-based capital ratio | 18.2513% | 2,645 |
| Memoranda: | ||
| Average total assets | $57,808,500 | 5,772 |
| Average earning assets | $54,514,500 | 5,724 |
| Average equity | $8,992,500 | 5,053 |
| Average total loans | $25,068,500 | 5,934 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6844% | 6,553 |
| Cost of funding earning assets | 0.4536% | 4,077 |
| Net interest margin | 2.2308% | 6,560 |
| Noninterest income to average assets | 3.7635% | 174 |
| Noninterest expense to average assets | 4.2069% | 694 |
| Loan and lease loss provision to assets | 0.3959% | 759 |
| Net operating income to assets | 0.7284% | 3,665 |
| Return on assets (ROA) | 0.7284% | 3,753 |
| Pretax return on assets | 1.2633% | 2,302 |
| Return on Equity (ROE) | 4.7214% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.7214% | 2,798 |
| Net charge-offs to loans | 0.4726% | 1,411 |
| Credit loss provision to net charge-offs | 178.5714% | 1,282 |
| Earnings coverage of net charge-offs (x) | 7.4841% | 2,838 |
| Efficiency ratio | 71.7157% | 3,532 |
| Assets per employee ($millions) | 3.4254% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4156% | 312 |
| Loan loss allowance to noncurrent loans | 526.0606% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 4,747 |
| Noncurrent loans to loans | 0.6493% | 4,348 |
| Net loans and leases to total assets | 42.1504% | 5,816 |
| Net loans and leases to deposits | 50.6020% | 5,725 |
| Net loans and leases to core deposits | 62.8811% | 4,983 |
| Total domestic deposits to total assets | 83.2978% | 4,429 |
| Equity capital to assets | 15.4382% | 600 |
| Core capital (leverage) ratio | 14.7983% | 632 |
| Tier 1 risk-based capital ratio | 16.8269% | 2,692 |
| Total risk-based capital ratio | 17.7921% | 2,809 |
| Memoranda: | ||
| Average total assets | $56,834,800 | 5,841 |
| Average earning assets | $53,568,000 | 5,782 |
| Average equity | $8,768,600 | 5,150 |
| Average total loans | $26,661,400 | 5,902 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6706% | 6,635 |
| Cost of funding earning assets | 0.4484% | 4,295 |
| Net interest margin | 2.2221% | 6,634 |
| Noninterest income to average assets | 3.8333% | 184 |
| Noninterest expense to average assets | 4.1921% | 693 |
| Loan and lease loss provision to assets | 0.5311% | 505 |
| Net operating income to assets | 0.6987% | 3,868 |
| Return on assets (ROA) | 0.6987% | 4,000 |
| Pretax return on assets | 1.2038% | 2,677 |
| Return on Equity (ROE) | 4.5294% | 4,970 |
| Retained earnings to average equity (ytd only) | 4.5294% | 3,453 |
| Net charge-offs to loans | 1.4088% | 350 |
| Credit loss provision to net charge-offs | 78.9474% | 2,873 |
| Earnings coverage of net charge-offs (x) | 2.5790% | 3,977 |
| Efficiency ratio | 70.7288% | 3,640 |
| Assets per employee ($millions) | 3.3628% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6163% | 818 |
| Loan loss allowance to noncurrent loans | 161.8721% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.8426% | 4,011 |
| Noncurrent loans to loans | 1.6163% | 2,752 |
| Net loans and leases to total assets | 43.5982% | 5,763 |
| Net loans and leases to deposits | 51.7056% | 5,731 |
| Net loans and leases to core deposits | 63.3933% | 4,964 |
| Total domestic deposits to total assets | 84.3202% | 4,060 |
| Equity capital to assets | 14.6572% | 785 |
| Core capital (leverage) ratio | 15.1579% | 616 |
| Tier 1 risk-based capital ratio | 18.1957% | 2,247 |
| Total risk-based capital ratio | 19.0609% | 2,363 |
| Memoranda: | ||
| Average total assets | $56,485,500 | 5,917 |
| Average earning assets | $53,221,000 | 5,857 |
| Average equity | $8,713,250 | 5,213 |
| Average total loans | $26,973,500 | 5,947 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7273% | 6,651 |
| Cost of funding earning assets | 0.4469% | 4,462 |
| Net interest margin | 2.2805% | 6,637 |
| Noninterest income to average assets | 4.2875% | 177 |
| Noninterest expense to average assets | 4.8533% | 398 |
| Loan and lease loss provision to assets | 0.3083% | 1,153 |
| Net operating income to assets | 0.7472% | 3,583 |
| Return on assets (ROA) | 0.7472% | 3,730 |
| Pretax return on assets | 1.2732% | 2,394 |
| Return on Equity (ROE) | 4.7573% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.7573% | 3,217 |
| Net charge-offs to loans | -0.0149% | 5,873 |
| Credit loss provision to net charge-offs | -4,250.0000% | 6,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4228% | 2,872 |
| Assets per employee ($millions) | 3.1148% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1719% | 488 |
| Loan loss allowance to noncurrent loans | 106.8664% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.4287% | 2,958 |
| Noncurrent loans to loans | 2.9681% | 1,505 |
| Net loans and leases to total assets | 46.6076% | 5,464 |
| Net loans and leases to deposits | 56.2719% | 5,305 |
| Net loans and leases to core deposits | 68.0442% | 4,493 |
| Total domestic deposits to total assets | 82.8256% | 4,773 |
| Equity capital to assets | 15.6637% | 588 |
| Core capital (leverage) ratio | 15.6741% | 496 |
| Tier 1 risk-based capital ratio | 21.7670% | 1,334 |
| Total risk-based capital ratio | 23.0269% | 1,306 |
| Memoranda: | ||
| Average total assets | $55,137,330 | 5,995 |
| Average earning assets | $51,918,670 | 5,939 |
| Average equity | $8,660,330 | 5,258 |
| Average total loans | $26,931,670 | 5,981 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7388% | 6,717 |
| Cost of funding earning assets | 0.4357% | 4,746 |
| Net interest margin | 2.3031% | 6,683 |
| Noninterest income to average assets | 3.2045% | 234 |
| Noninterest expense to average assets | 4.3093% | 622 |
| Loan and lease loss provision to assets | 0.6219% | 400 |
| Net operating income to assets | 0.3292% | 5,449 |
| Return on assets (ROA) | 0.3292% | 5,586 |
| Pretax return on assets | 0.4390% | 5,439 |
| Return on Equity (ROE) | 2.0931% | 5,908 |
| Retained earnings to average equity (ytd only) | 2.0931% | 4,958 |
| Net charge-offs to loans | -0.0149% | 5,587 |
| Credit loss provision to net charge-offs | -8,500.0000% | 5,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2452% | 2,295 |
| Assets per employee ($millions) | 3.3056% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1486% | 571 |
| Loan loss allowance to noncurrent loans | 101.0638% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.5054% | 2,994 |
| Noncurrent loans to loans | 3.1154% | 1,595 |
| Net loans and leases to total assets | 46.8005% | 5,350 |
| Net loans and leases to deposits | 56.0218% | 5,238 |
| Net loans and leases to core deposits | 66.7631% | 4,437 |
| Total domestic deposits to total assets | 83.5398% | 4,652 |
| Equity capital to assets | 15.3427% | 673 |
| Core capital (leverage) ratio | 15.9566% | 467 |
| Tier 1 risk-based capital ratio | 21.3385% | 1,465 |
| Total risk-based capital ratio | 22.1502% | 1,532 |
| Memoranda: | ||
| Average total assets | $54,673,000 | 6,059 |
| Average earning assets | $51,410,000 | 6,006 |
| Average equity | $8,599,500 | 5,332 |
| Average total loans | $26,904,000 | 6,030 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9316% | 6,805 |
| Cost of funding earning assets | 0.5037% | 5,196 |
| Net interest margin | 2.4278% | 6,762 |
| Noninterest income to average assets | 3.2594% | 227 |
| Noninterest expense to average assets | 4.7284% | 462 |
| Loan and lease loss provision to assets | -0.2806% | 7,008 |
| Net operating income to assets | 0.5981% | 4,248 |
| Return on assets (ROA) | 0.5981% | 4,510 |
| Pretax return on assets | 1.0877% | 3,206 |
| Return on Equity (ROE) | 3.6917% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.6917% | 3,623 |
| Net charge-offs to loans | -0.0155% | 6,520 |
| Credit loss provision to net charge-offs | 3,625.0000% | 66 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4196% | 1,479 |
| Assets per employee ($millions) | 3.1265% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8852% | 744 |
| Loan loss allowance to noncurrent loans | 185.7488% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 4,510 |
| Noncurrent loans to loans | 1.5533% | 3,291 |
| Net loans and leases to total assets | 48.6999% | 5,342 |
| Net loans and leases to deposits | 59.0231% | 5,124 |
| Net loans and leases to core deposits | 70.3561% | 4,257 |
| Total domestic deposits to total assets | 82.5099% | 4,926 |
| Equity capital to assets | 16.1373% | 536 |
| Core capital (leverage) ratio | 15.8899% | 469 |
| Tier 1 risk-based capital ratio | 20.3360% | 1,598 |
| Total risk-based capital ratio | 21.0412% | 1,704 |
| Memoranda: | ||
| Average total assets | $51,666,400 | 6,155 |
| Average earning assets | $48,438,400 | 6,107 |
| Average equity | $8,370,200 | 5,402 |
| Average total loans | $25,859,200 | 6,146 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8748% | 6,943 |
| Cost of funding earning assets | 0.5184% | 5,318 |
| Net interest margin | 2.3564% | 6,918 |
| Noninterest income to average assets | 2.0144% | 418 |
| Noninterest expense to average assets | 4.5045% | 536 |
| Loan and lease loss provision to assets | -0.3769% | 7,134 |
| Net operating income to assets | 0.0728% | 6,169 |
| Return on assets (ROA) | 0.0728% | 6,311 |
| Pretax return on assets | 0.0962% | 6,279 |
| Return on Equity (ROE) | 0.4488% | 6,350 |
| Retained earnings to average equity (ytd only) | 0.4488% | 5,958 |
| Net charge-offs to loans | -0.0156% | 6,444 |
| Credit loss provision to net charge-offs | 4,833.3333% | 57 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6462% | 367 |
| Assets per employee ($millions) | 2.9287% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8234% | 866 |
| Loan loss allowance to noncurrent loans | 228.1899% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 5,074 |
| Noncurrent loans to loans | 1.2373% | 3,981 |
| Net loans and leases to total assets | 50.2087% | 5,290 |
| Net loans and leases to deposits | 60.2024% | 5,185 |
| Net loans and leases to core deposits | 72.1513% | 4,228 |
| Total domestic deposits to total assets | 83.3997% | 4,479 |
| Equity capital to assets | 15.7353% | 656 |
| Core capital (leverage) ratio | 15.7992% | 504 |
| Tier 1 risk-based capital ratio | 26.4669% | 784 |
| Total risk-based capital ratio | 27.6862% | 769 |
| Memoranda: | ||
| Average total assets | $51,295,500 | 6,241 |
| Average earning assets | $48,095,250 | 6,194 |
| Average equity | $8,318,500 | 5,467 |
| Average total loans | $25,660,750 | 6,236 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9361% | 7,000 |
| Cost of funding earning assets | 0.5300% | 5,430 |
| Net interest margin | 2.4061% | 6,954 |
| Noninterest income to average assets | 2.2471% | 336 |
| Noninterest expense to average assets | 4.6082% | 502 |
| Loan and lease loss provision to assets | -0.5470% | 7,207 |
| Net operating income to assets | 0.3030% | 5,609 |
| Return on assets (ROA) | 0.3030% | 5,811 |
| Pretax return on assets | 0.4368% | 5,613 |
| Return on Equity (ROE) | 1.8496% | 6,090 |
| Retained earnings to average equity (ytd only) | 1.8496% | 5,273 |
| Net charge-offs to loans | -0.0080% | 6,240 |
| Credit loss provision to net charge-offs | 13,900.0000% | 14 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4497% | 476 |
| Assets per employee ($millions) | 3.2661% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9264% | 846 |
| Loan loss allowance to noncurrent loans | 272.1831% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5435% | 5,401 |
| Noncurrent loans to loans | 1.0751% | 4,371 |
| Net loans and leases to total assets | 49.0690% | 5,476 |
| Net loans and leases to deposits | 59.0938% | 5,327 |
| Net loans and leases to core deposits | 69.3421% | 4,619 |
| Total domestic deposits to total assets | 83.0358% | 4,744 |
| Equity capital to assets | 15.9672% | 585 |
| Core capital (leverage) ratio | 16.4326% | 419 |
| Tier 1 risk-based capital ratio | 27.7053% | 669 |
| Total risk-based capital ratio | 28.9703% | 652 |
| Memoranda: | ||
| Average total assets | $50,822,000 | 6,299 |
| Average earning assets | $47,545,330 | 6,247 |
| Average equity | $8,326,330 | 5,472 |
| Average total loans | $25,135,330 | 6,313 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0049% | 7,045 |
| Cost of funding earning assets | 0.5479% | 5,508 |
| Net interest margin | 2.4570% | 6,977 |
| Noninterest income to average assets | 3.1055% | 230 |
| Noninterest expense to average assets | 4.1433% | 794 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8063% | 3,347 |
| Return on assets (ROA) | 0.8063% | 3,589 |
| Pretax return on assets | 1.2534% | 2,712 |
| Return on Equity (ROE) | 4.8572% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.8572% | 3,641 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7751% | 2,677 |
| Assets per employee ($millions) | 3.3941% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6231% | 489 |
| Loan loss allowance to noncurrent loans | 299.6711% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 5,395 |
| Noncurrent loans to loans | 1.2090% | 4,311 |
| Net loans and leases to total assets | 47.5988% | 5,609 |
| Net loans and leases to deposits | 57.4568% | 5,441 |
| Net loans and leases to core deposits | 66.5650% | 4,848 |
| Total domestic deposits to total assets | 82.8426% | 4,992 |
| Equity capital to assets | 16.4365% | 509 |
| Core capital (leverage) ratio | 17.0891% | 348 |
| Tier 1 risk-based capital ratio | 28.2684% | 620 |
| Total risk-based capital ratio | 29.5385% | 606 |
| Memoranda: | ||
| Average total assets | $50,104,500 | 6,367 |
| Average earning assets | $46,723,500 | 6,306 |
| Average equity | $8,317,500 | 5,495 |
| Average total loans | $24,495,500 | 6,397 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9467% | 7,190 |
| Cost of funding earning assets | 0.5829% | 6,171 |
| Net interest margin | 2.3638% | 7,115 |
| Noninterest income to average assets | 2.0213% | 371 |
| Noninterest expense to average assets | 3.9561% | 1,103 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1832% | 5,638 |
| Return on assets (ROA) | 0.1832% | 5,772 |
| Pretax return on assets | 0.2778% | 5,617 |
| Return on Equity (ROE) | 1.1073% | 5,939 |
| Retained earnings to average equity (ytd only) | 1.1073% | 5,335 |
| Net charge-offs to loans | 0.1876% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.9362% | 3,736 |
| Efficiency ratio | 93.4379% | 960 |
| Assets per employee ($millions) | 3.2865% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8202% | 431 |
| Loan loss allowance to noncurrent loans | 281.1728% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 5,341 |
| Noncurrent loans to loans | 1.3587% | 4,107 |
| Net loans and leases to total assets | 46.5252% | 5,962 |
| Net loans and leases to deposits | 56.3068% | 5,867 |
| Net loans and leases to core deposits | 68.6789% | 4,946 |
| Total domestic deposits to total assets | 82.6281% | 4,907 |
| Equity capital to assets | 16.7694% | 480 |
| Core capital (leverage) ratio | 16.6536% | 400 |
| Tier 1 risk-based capital ratio | 29.5113% | 542 |
| Total risk-based capital ratio | 30.7857% | 530 |
| Memoranda: | ||
| Average total assets | $49,670,400 | 6,379 |
| Average earning assets | $46,492,400 | 6,311 |
| Average equity | $8,218,400 | 5,508 |
| Average total loans | $25,052,400 | 6,420 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9207% | 7,278 |
| Cost of funding earning assets | 0.5887% | 6,335 |
| Net interest margin | 2.3320% | 7,206 |
| Noninterest income to average assets | 1.9559% | 394 |
| Noninterest expense to average assets | 3.6358% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3403% | 5,249 |
| Return on assets (ROA) | 0.3403% | 5,426 |
| Pretax return on assets | 0.5064% | 5,141 |
| Return on Equity (ROE) | 2.0634% | 5,753 |
| Retained earnings to average equity (ytd only) | 2.0634% | 5,104 |
| Net charge-offs to loans | 0.2472% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 4.0209% | 3,211 |
| Efficiency ratio | 87.7749% | 1,365 |
| Assets per employee ($millions) | 3.2392% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6003% | 521 |
| Loan loss allowance to noncurrent loans | 247.2826% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 5,263 |
| Noncurrent loans to loans | 1.4559% | 4,115 |
| Net loans and leases to total assets | 50.1482% | 5,686 |
| Net loans and leases to deposits | 60.9897% | 5,518 |
| Net loans and leases to core deposits | 74.7377% | 4,350 |
| Total domestic deposits to total assets | 82.2240% | 5,001 |
| Equity capital to assets | 17.0906% | 476 |
| Core capital (leverage) ratio | 17.8734% | 334 |
| Tier 1 risk-based capital ratio | 29.5390% | 570 |
| Total risk-based capital ratio | 30.8267% | 554 |
| Memoranda: | ||
| Average total assets | $49,763,500 | 6,427 |
| Average earning assets | $46,654,750 | 6,360 |
| Average equity | $8,206,250 | 5,537 |
| Average total loans | $25,353,750 | 6,461 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9416% | 7,353 |
| Cost of funding earning assets | 0.6112% | 6,404 |
| Net interest margin | 2.3304% | 7,268 |
| Noninterest income to average assets | 1.7266% | 450 |
| Noninterest expense to average assets | 3.8640% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0359% | 6,156 |
| Return on assets (ROA) | 0.0359% | 6,234 |
| Pretax return on assets | 0.0518% | 6,184 |
| Return on Equity (ROE) | 0.2202% | 6,259 |
| Retained earnings to average equity (ytd only) | 0.2202% | 5,749 |
| Net charge-offs to loans | 0.3783% | 3,039 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.2708% | 5,108 |
| Efficiency ratio | 98.6762% | 769 |
| Assets per employee ($millions) | 3.3638% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7019% | 512 |
| Loan loss allowance to noncurrent loans | 39.1735% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 4.9328% | 1,243 |
| Noncurrent loans to loans | 9.4500% | 425 |
| Net loans and leases to total assets | 50.2665% | 5,790 |
| Net loans and leases to deposits | 61.2360% | 5,588 |
| Net loans and leases to core deposits | 76.8023% | 4,211 |
| Total domestic deposits to total assets | 82.0865% | 5,138 |
| Equity capital to assets | 17.3826% | 442 |
| Core capital (leverage) ratio | 17.4371% | 373 |
| Tier 1 risk-based capital ratio | 28.8585% | 608 |
| Total risk-based capital ratio | 30.1311% | 596 |
| Memoranda: | ||
| Average total assets | $50,155,330 | 6,477 |
| Average earning assets | $47,116,670 | 6,394 |
| Average equity | $8,173,670 | 5,556 |
| Average total loans | $25,379,670 | 6,520 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9368% | 7,409 |
| Cost of funding earning assets | 0.6645% | 6,322 |
| Net interest margin | 2.2724% | 7,325 |
| Noninterest income to average assets | 1.3698% | 687 |
| Noninterest expense to average assets | 3.6605% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1470% | 6,501 |
| Return on assets (ROA) | -0.1470% | 6,520 |
| Pretax return on assets | -0.1470% | 6,488 |
| Return on Equity (ROE) | -0.9305% | 6,476 |
| Retained earnings to average equity (ytd only) | -0.9305% | 5,970 |
| Net charge-offs to loans | 0.7603% | 1,701 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.3878% | 4,760 |
| Efficiency ratio | 104.1850% | 621 |
| Assets per employee ($millions) | 3.6204% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5611% | 578 |
| Loan loss allowance to noncurrent loans | 38.8296% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 4.6186% | 1,395 |
| Noncurrent loans to loans | 9.1710% | 476 |
| Net loans and leases to total assets | 48.5677% | 6,011 |
| Net loans and leases to deposits | 58.2444% | 5,901 |
| Net loans and leases to core deposits | 80.8971% | 3,615 |
| Total domestic deposits to total assets | 83.3859% | 4,748 |
| Equity capital to assets | 16.0952% | 560 |
| Core capital (leverage) ratio | 15.9945% | 504 |
| Tier 1 risk-based capital ratio | 27.1517% | 694 |
| Total risk-based capital ratio | 28.4231% | 678 |
| Memoranda: | ||
| Average total assets | $51,686,500 | 6,472 |
| Average earning assets | $48,760,000 | 6,389 |
| Average equity | $8,167,500 | 5,561 |
| Average total loans | $25,778,500 | 6,539 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0761% | 7,484 |
| Cost of funding earning assets | 0.8640% | 6,327 |
| Net interest margin | 2.2121% | 7,392 |
| Noninterest income to average assets | 2.5717% | 277 |
| Noninterest expense to average assets | 3.3530% | 2,575 |
| Loan and lease loss provision to assets | 0.6631% | 2,493 |
| Net operating income to assets | 0.4086% | 4,501 |
| Return on assets (ROA) | 0.4086% | 4,635 |
| Pretax return on assets | 0.6434% | 4,189 |
| Return on Equity (ROE) | 2.8428% | 5,020 |
| Retained earnings to average equity (ytd only) | 2.8428% | 3,861 |
| Net charge-offs to loans | 1.8467% | 1,127 |
| Credit loss provision to net charge-offs | 72.2656% | 5,805 |
| Earnings coverage of net charge-offs (x) | 1.4238% | 4,692 |
| Efficiency ratio | 71.9615% | 3,804 |
| Assets per employee ($millions) | 3.7634% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6802% | 516 |
| Loan loss allowance to noncurrent loans | 39.7016% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 4.5799% | 1,461 |
| Noncurrent loans to loans | 9.2697% | 487 |
| Net loans and leases to total assets | 47.5886% | 6,428 |
| Net loans and leases to deposits | 56.7481% | 6,376 |
| Net loans and leases to core deposits | 78.5323% | 4,393 |
| Total domestic deposits to total assets | 83.8594% | 4,416 |
| Equity capital to assets | 15.5200% | 675 |
| Core capital (leverage) ratio | 15.1682% | 634 |
| Tier 1 risk-based capital ratio | 25.9926% | 755 |
| Total risk-based capital ratio | 27.2100% | 737 |
| Memoranda: | ||
| Average total assets | $55,800,400 | 6,349 |
| Average earning assets | $52,664,600 | 6,266 |
| Average equity | $8,020,400 | 5,707 |
| Average total loans | $27,724,600 | 6,513 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1212% | 7,609 |
| Cost of funding earning assets | 0.9039% | 6,380 |
| Net interest margin | 2.2173% | 7,510 |
| Noninterest income to average assets | 2.5380% | 272 |
| Noninterest expense to average assets | 3.3015% | 2,568 |
| Loan and lease loss provision to assets | 0.4360% | 3,296 |
| Net operating income to assets | 0.5255% | 4,201 |
| Return on assets (ROA) | 0.5255% | 4,376 |
| Pretax return on assets | 0.8931% | 3,580 |
| Return on Equity (ROE) | 3.7254% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.7254% | 3,842 |
| Net charge-offs to loans | 2.4252% | 709 |
| Credit loss provision to net charge-offs | 36.1328% | 6,081 |
| Earnings coverage of net charge-offs (x) | 1.1016% | 4,954 |
| Efficiency ratio | 71.2977% | 3,836 |
| Assets per employee ($millions) | 3.9789% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9451% | 861 |
| Loan loss allowance to noncurrent loans | 38.3242% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 3.6209% | 1,969 |
| Noncurrent loans to loans | 7.6847% | 695 |
| Net loans and leases to total assets | 45.7302% | 6,719 |
| Net loans and leases to deposits | 54.0574% | 6,767 |
| Net loans and leases to core deposits | 77.7381% | 4,832 |
| Total domestic deposits to total assets | 84.5956% | 3,831 |
| Equity capital to assets | 14.6701% | 976 |
| Core capital (leverage) ratio | 14.6362% | 787 |
| Tier 1 risk-based capital ratio | 25.6352% | 800 |
| Total risk-based capital ratio | 26.5857% | 815 |
| Memoranda: | ||
| Average total assets | $56,578,750 | 6,397 |
| Average earning assets | $53,397,750 | 6,306 |
| Average equity | $7,981,250 | 5,796 |
| Average total loans | $28,148,000 | 6,577 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1643% | 7,685 |
| Cost of funding earning assets | 0.9541% | 6,366 |
| Net interest margin | 2.2102% | 7,576 |
| Noninterest income to average assets | 2.5075% | 269 |
| Noninterest expense to average assets | 3.3093% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7139% | 3,341 |
| Return on assets (ROA) | 0.7139% | 3,495 |
| Pretax return on assets | 1.2836% | 2,141 |
| Return on Equity (ROE) | 5.1278% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.1278% | 2,830 |
| Net charge-offs to loans | 0.4656% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 5.4478% | 2,664 |
| Efficiency ratio | 72.0521% | 3,804 |
| Assets per employee ($millions) | 4.3958% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7311% | 459 |
| Loan loss allowance to noncurrent loans | 41.8219% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 4.3223% | 1,543 |
| Noncurrent loans to loans | 8.9215% | 534 |
| Net loans and leases to total assets | 46.6402% | 6,734 |
| Net loans and leases to deposits | 54.7920% | 6,810 |
| Net loans and leases to core deposits | 80.2680% | 4,664 |
| Total domestic deposits to total assets | 85.1223% | 3,562 |
| Equity capital to assets | 14.2652% | 1,083 |
| Core capital (leverage) ratio | 14.5759% | 802 |
| Tier 1 risk-based capital ratio | 24.6634% | 877 |
| Total risk-based capital ratio | 25.8857% | 860 |
| Memoranda: | ||
| Average total assets | $56,870,000 | 6,437 |
| Average earning assets | $53,660,670 | 6,337 |
| Average equity | $7,917,670 | 5,834 |
| Average total loans | $28,781,670 | 6,591 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3864% | 7,737 |
| Cost of funding earning assets | 1.0512% | 6,134 |
| Net interest margin | 2.3352% | 7,572 |
| Noninterest income to average assets | 1.6076% | 480 |
| Noninterest expense to average assets | 3.2715% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4442% | 4,643 |
| Return on assets (ROA) | 0.4442% | 4,776 |
| Pretax return on assets | 0.5288% | 4,860 |
| Return on Equity (ROE) | 3.2306% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.2306% | 4,213 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0853% | 1,788 |
| Assets per employee ($millions) | 4.7611% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8449% | 421 |
| Loan loss allowance to noncurrent loans | 41.4157% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 4.6488% | 1,430 |
| Noncurrent loans to loans | 9.2838% | 498 |
| Net loans and leases to total assets | 48.1491% | 6,664 |
| Net loans and leases to deposits | 56.3755% | 6,744 |
| Net loans and leases to core deposits | 72.8754% | 5,624 |
| Total domestic deposits to total assets | 85.4077% | 3,459 |
| Equity capital to assets | 14.0234% | 1,132 |
| Core capital (leverage) ratio | 14.3061% | 893 |
| Tier 1 risk-based capital ratio | 23.3866% | 1,022 |
| Total risk-based capital ratio | 24.6796% | 997 |
| Memoranda: | ||
| Average total assets | $56,732,000 | 6,516 |
| Average earning assets | $53,271,500 | 6,423 |
| Average equity | $7,800,500 | 5,908 |
| Average total loans | $29,329,500 | 6,642 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 7,694 |
| Cost of funding earning assets | 1.3849% | 5,995 |
| Net interest margin | 2.6200% | 7,313 |
| Noninterest income to average assets | 2.5714% | 263 |
| Noninterest expense to average assets | 3.3361% | 2,884 |
| Loan and lease loss provision to assets | 0.6986% | 3,027 |
| Net operating income to assets | 0.6419% | 3,170 |
| Return on assets (ROA) | 0.6419% | 3,226 |
| Pretax return on assets | 1.0478% | 2,424 |
| Return on Equity (ROE) | 4.6145% | 3,837 |
| Retained earnings to average equity (ytd only) | 4.6145% | 2,029 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6389% | 5,466 |
| Assets per employee ($millions) | 4.6943% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6606% | 463 |
| Loan loss allowance to noncurrent loans | 54.2139% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 3.6019% | 1,857 |
| Noncurrent loans to loans | 6.7521% | 866 |
| Net loans and leases to total assets | 51.3927% | 6,489 |
| Net loans and leases to deposits | 60.1683% | 6,622 |
| Net loans and leases to core deposits | 98.9981% | 4,112 |
| Total domestic deposits to total assets | 85.4148% | 3,348 |
| Equity capital to assets | 13.4722% | 1,332 |
| Core capital (leverage) ratio | 13.3567% | 1,136 |
| Tier 1 risk-based capital ratio | 21.4706% | 1,219 |
| Total risk-based capital ratio | 22.7494% | 1,190 |
| Memoranda: | ||
| Average total assets | $52,966,400 | 6,596 |
| Average earning assets | $50,762,800 | 6,505 |
| Average equity | $7,368,000 | 6,143 |
| Average total loans | $32,054,400 | 6,519 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 7,760 |
| Cost of funding earning assets | 1.4406% | 6,075 |
| Net interest margin | 2.6961% | 7,212 |
| Noninterest income to average assets | 1.4426% | 713 |
| Noninterest expense to average assets | 3.2971% | 2,932 |
| Loan and lease loss provision to assets | 0.2942% | 4,621 |
| Net operating income to assets | 0.2942% | 4,809 |
| Return on assets (ROA) | 0.2942% | 4,923 |
| Pretax return on assets | 0.4604% | 4,641 |
| Return on Equity (ROE) | 2.0967% | 5,133 |
| Retained earnings to average equity (ytd only) | 2.0967% | 4,154 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3763% | 2,664 |
| Assets per employee ($millions) | 3.8777% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5767% | 989 |
| Loan loss allowance to noncurrent loans | 41.4419% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 3.7559% | 1,731 |
| Noncurrent loans to loans | 6.2176% | 943 |
| Net loans and leases to total assets | 58.8509% | 5,760 |
| Net loans and leases to deposits | 68.7400% | 6,061 |
| Net loans and leases to core deposits | 109.3619% | 3,305 |
| Total domestic deposits to total assets | 85.6138% | 2,910 |
| Equity capital to assets | 13.5647% | 1,468 |
| Core capital (leverage) ratio | 13.4620% | 1,242 |
| Tier 1 risk-based capital ratio | 19.8555% | 1,591 |
| Total risk-based capital ratio | 21.1173% | 1,544 |
| Memoranda: | ||
| Average total assets | $52,125,250 | 6,676 |
| Average earning assets | $50,441,750 | 6,558 |
| Average equity | $7,312,750 | 6,222 |
| Average total loans | $32,555,500 | 6,534 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 7,843 |
| Cost of funding earning assets | 1.5346% | 5,998 |
| Net interest margin | 2.6341% | 7,316 |
| Noninterest income to average assets | 1.6146% | 572 |
| Noninterest expense to average assets | 3.3849% | 2,673 |
| Loan and lease loss provision to assets | 0.2140% | 4,906 |
| Net operating income to assets | 0.3696% | 4,625 |
| Return on assets (ROA) | 0.3696% | 4,719 |
| Pretax return on assets | 0.5603% | 4,442 |
| Return on Equity (ROE) | 2.6043% | 5,056 |
| Retained earnings to average equity (ytd only) | 2.6043% | 3,877 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3845% | 2,823 |
| Assets per employee ($millions) | 4.4413% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4005% | 989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 59.8874% | 5,688 |
| Net loans and leases to deposits | 70.0226% | 5,986 |
| Net loans and leases to core deposits | 106.1776% | 3,817 |
| Total domestic deposits to total assets | 85.5258% | 3,006 |
| Equity capital to assets | 13.7799% | 1,393 |
| Core capital (leverage) ratio | 13.0220% | 1,420 |
| Tier 1 risk-based capital ratio | 19.8970% | 1,605 |
| Total risk-based capital ratio | 21.1731% | 1,551 |
| Memoranda: | ||
| Average total assets | $51,404,330 | 6,773 |
| Average earning assets | $49,655,670 | 6,645 |
| Average equity | $7,295,670 | 6,266 |
| Average total loans | $32,476,000 | 6,590 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 7,912 |
| Cost of funding earning assets | 1.5307% | 6,307 |
| Net interest margin | 2.6581% | 7,281 |
| Noninterest income to average assets | 1.3635% | 765 |
| Noninterest expense to average assets | 3.3453% | 2,514 |
| Loan and lease loss provision to assets | 0.1189% | 5,442 |
| Net operating income to assets | 0.3567% | 5,037 |
| Return on assets (ROA) | 0.3567% | 5,223 |
| Pretax return on assets | 0.4598% | 5,209 |
| Return on Equity (ROE) | 2.4754% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.4754% | 4,494 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2525% | 2,167 |
| Assets per employee ($millions) | 4.7055% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2657% | 990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 56.9139% | 6,106 |
| Net loans and leases to deposits | 65.8235% | 6,394 |
| Net loans and leases to core deposits | 98.3776% | 4,706 |
| Total domestic deposits to total assets | 86.4644% | 2,469 |
| Equity capital to assets | 12.9175% | 1,785 |
| Core capital (leverage) ratio | 15.3116% | 897 |
| Tier 1 risk-based capital ratio | 20.9748% | 1,453 |
| Total risk-based capital ratio | 22.2602% | 1,423 |
| Memoranda: | ||
| Average total assets | $50,459,000 | 6,849 |
| Average earning assets | $48,605,500 | 6,723 |
| Average equity | $7,271,500 | 6,310 |
| Average total loans | $32,363,000 | 6,623 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5702% | 7,154 |
| Cost of funding earning assets | 2.1238% | 5,956 |
| Net interest margin | 3.4464% | 5,479 |
| Noninterest income to average assets | 1.3292% | 823 |
| Noninterest expense to average assets | 3.0654% | 3,840 |
| Loan and lease loss provision to assets | 0.7042% | 2,092 |
| Net operating income to assets | 0.5039% | 4,717 |
| Return on assets (ROA) | 0.5039% | 4,561 |
| Pretax return on assets | 0.8626% | 3,845 |
| Return on Equity (ROE) | 3.1902% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.1902% | 3,163 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1758% | 5,094 |
| Assets per employee ($millions) | 3.7043% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2924% | 861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 69.9946% | 4,016 |
| Net loans and leases to deposits | 83.8720% | 4,439 |
| Net loans and leases to core deposits | 117.7847% | 2,913 |
| Total domestic deposits to total assets | 83.4541% | 3,588 |
| Equity capital to assets | 16.3075% | 883 |
| Core capital (leverage) ratio | 15.6505% | 891 |
| Tier 1 risk-based capital ratio | 21.4970% | 1,390 |
| Total risk-based capital ratio | 22.7870% | 1,350 |
| Memoranda: | ||
| Average total assets | $45,442,400 | 6,959 |
| Average earning assets | $43,553,200 | 6,873 |
| Average equity | $7,178,200 | 6,393 |
| Average total loans | $28,718,400 | 6,783 |