Home > Boonville Federal Savings Bank > Performance and Condition Ratios
Boonville Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1291% | 1,795 |
| Cost of funding earning assets | 2.1062% | 772 |
| Net interest margin | 3.0229% | 3,230 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.6158% | 1,960 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.2478% | 4,101 |
| Return on assets (ROA) | 0.2478% | 4,108 |
| Pretax return on assets | 0.2601% | 4,131 |
| Return on Equity (ROE) | 2.9100% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.9125% | 3,305 |
| Net charge-offs to loans | 0.0865% | 999 |
| Credit loss provision to net charge-offs | 292.1053% | 972 |
| Earnings coverage of net charge-offs (x) | 7.3947% | 2,411 |
| Efficiency ratio | 85.8865% | 572 |
| Assets per employee ($millions) | 6.1597% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 3,826 |
| Loan loss allowance to noncurrent loans | 55.8106% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.0287% | 479 |
| Noncurrent loans to loans | 1.5414% | 437 |
| Net loans and leases to total assets | 66.1600% | 2,245 |
| Net loans and leases to deposits | 105.2445% | 315 |
| Net loans and leases to core deposits | 123.6683% | 536 |
| Total domestic deposits to total assets | 62.8700% | 4,417 |
| Equity capital to assets | 8.3490% | 3,161 |
| Core capital (leverage) ratio | 8.2282% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7229% | 1,134 |
| Memoranda: | ||
| Average total assets | $65,370,800 | 4,160 |
| Average earning assets | $61,960,200 | 4,116 |
| Average equity | $5,562,200 | 4,207 |
| Average total loans | $43,913,400 | 3,936 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 1,868 |
| Cost of funding earning assets | 2.0118% | 693 |
| Net interest margin | 2.9699% | 3,401 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.7006% | 1,655 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.1914% | 4,237 |
| Return on assets (ROA) | 0.1914% | 4,255 |
| Pretax return on assets | 0.2100% | 4,253 |
| Return on Equity (ROE) | 2.2400% | 4,170 |
| Retained earnings to average equity (ytd only) | 2.2388% | 3,678 |
| Net charge-offs to loans | 0.0948% | 818 |
| Credit loss provision to net charge-offs | 161.2903% | 1,271 |
| Earnings coverage of net charge-offs (x) | 4.9032% | 2,370 |
| Efficiency ratio | 89.6175% | 388 |
| Assets per employee ($millions) | 5.6546% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7500% | 4,067 |
| Loan loss allowance to noncurrent loans | 172.6804% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 1,859 |
| Noncurrent loans to loans | 0.4343% | 1,744 |
| Net loans and leases to total assets | 65.3400% | 2,306 |
| Net loans and leases to deposits | 101.8681% | 437 |
| Net loans and leases to core deposits | 117.6624% | 616 |
| Total domestic deposits to total assets | 64.1400% | 4,430 |
| Equity capital to assets | 8.2352% | 2,893 |
| Core capital (leverage) ratio | 8.4679% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2145% | 1,266 |
| Memoranda: | ||
| Average total assets | $64,774,250 | 4,182 |
| Average earning assets | $61,370,500 | 4,142 |
| Average equity | $5,538,500 | 4,214 |
| Average total loans | $43,586,750 | 3,954 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8993% | 1,762 |
| Cost of funding earning assets | 1.8915% | 622 |
| Net interest margin | 3.0078% | 3,413 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.7734% | 1,473 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.1945% | 4,282 |
| Return on assets (ROA) | 0.1945% | 4,305 |
| Pretax return on assets | 0.2228% | 4,295 |
| Return on Equity (ROE) | 2.2500% | 4,237 |
| Retained earnings to average equity (ytd only) | 2.2456% | 3,659 |
| Net charge-offs to loans | 0.1342% | 556 |
| Credit loss provision to net charge-offs | 86.2069% | 1,525 |
| Earnings coverage of net charge-offs (x) | 3.3103% | 2,267 |
| Efficiency ratio | 90.2041% | 346 |
| Assets per employee ($millions) | 5.0150% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 4,161 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 1,994 |
| Noncurrent loans to loans | 0.3550% | 1,862 |
| Net loans and leases to total assets | 66.9200% | 2,063 |
| Net loans and leases to deposits | 108.3766% | 241 |
| Net loans and leases to core deposits | 125.7516% | 393 |
| Total domestic deposits to total assets | 61.7500% | 4,473 |
| Equity capital to assets | 8.5237% | 2,844 |
| Core capital (leverage) ratio | 8.6128% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9973% | 1,127 |
| Memoranda: | ||
| Average total assets | $63,747,333 | 4,212 |
| Average earning assets | $60,376,000 | 4,176 |
| Average equity | $5,522,000 | 4,243 |
| Average total loans | $43,226,000 | 3,973 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7513% | 1,735 |
| Cost of funding earning assets | 1.6955% | 580 |
| Net interest margin | 3.0558% | 3,449 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.9261% | 1,182 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.1206% | 4,417 |
| Return on assets (ROA) | 0.1206% | 4,390 |
| Pretax return on assets | 0.1841% | 4,353 |
| Return on Equity (ROE) | 1.3800% | 4,354 |
| Retained earnings to average equity (ytd only) | 1.3807% | 3,807 |
| Net charge-offs to loans | 0.2052% | 356 |
| Credit loss provision to net charge-offs | 22.7273% | 1,373 |
| Earnings coverage of net charge-offs (x) | 1.5455% | 1,962 |
| Efficiency ratio | 93.1313% | 280 |
| Assets per employee ($millions) | 4.8775% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6871% | 4,258 |
| Loan loss allowance to noncurrent loans | 335.9551% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 2,526 |
| Noncurrent loans to loans | 0.2045% | 2,452 |
| Net loans and leases to total assets | 68.1600% | 1,819 |
| Net loans and leases to deposits | 104.0572% | 297 |
| Net loans and leases to core deposits | 122.3521% | 390 |
| Total domestic deposits to total assets | 65.5000% | 4,491 |
| Equity capital to assets | 8.6962% | 2,740 |
| Core capital (leverage) ratio | 8.8601% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8987% | 1,169 |
| Memoranda: | ||
| Average total assets | $63,019,000 | 4,278 |
| Average earning assets | $59,689,000 | 4,241 |
| Average equity | $5,504,500 | 4,301 |
| Average total loans | $42,883,000 | 4,021 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3404% | 985 |
| Cost of funding earning assets | 1.1508% | 85 |
| Net interest margin | 3.1896% | 2,895 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.8691% | 1,176 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.2420% | 4,418 |
| Return on assets (ROA) | 0.2420% | 4,395 |
| Pretax return on assets | 0.4066% | 4,272 |
| Return on Equity (ROE) | 2.7700% | 4,320 |
| Retained earnings to average equity (ytd only) | 2.7671% | 3,782 |
| Net charge-offs to loans | 0.1700% | 489 |
| Credit loss provision to net charge-offs | 8.8235% | 1,960 |
| Earnings coverage of net charge-offs (x) | 3.7941% | 2,448 |
| Efficiency ratio | 87.3281% | 383 |
| Assets per employee ($millions) | 4.8178% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7479% | 4,136 |
| Loan loss allowance to noncurrent loans | 117.4721% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4295% | 1,194 |
| Noncurrent loans to loans | 0.6367% | 1,165 |
| Net loans and leases to total assets | 66.9600% | 1,934 |
| Net loans and leases to deposits | 96.9349% | 589 |
| Net loans and leases to core deposits | 110.7809% | 582 |
| Total domestic deposits to total assets | 69.0700% | 4,490 |
| Equity capital to assets | 8.7736% | 2,511 |
| Core capital (leverage) ratio | 8.9559% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4129% | 1,263 |
| Memoranda: | ||
| Average total assets | $61,971,200 | 4,322 |
| Average earning assets | $58,566,000 | 4,282 |
| Average equity | $5,420,800 | 4,391 |
| Average total loans | $39,996,800 | 4,064 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 961 |
| Cost of funding earning assets | 1.0187% | 58 |
| Net interest margin | 3.1407% | 2,799 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.8475% | 1,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2589% | 4,425 |
| Return on assets (ROA) | 0.2589% | 4,390 |
| Pretax return on assets | 0.4163% | 4,254 |
| Return on Equity (ROE) | 2.9600% | 4,300 |
| Retained earnings to average equity (ytd only) | 2.9617% | 3,780 |
| Net charge-offs to loans | 0.0473% | 1,010 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 13.7857% | 1,875 |
| Efficiency ratio | 87.2439% | 410 |
| Assets per employee ($millions) | 4.7332% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 3,878 |
| Loan loss allowance to noncurrent loans | 273.6842% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 2,168 |
| Noncurrent loans to loans | 0.3267% | 2,060 |
| Net loans and leases to total assets | 65.5700% | 1,926 |
| Net loans and leases to deposits | 94.7826% | 604 |
| Net loans and leases to core deposits | 108.1426% | 530 |
| Total domestic deposits to total assets | 69.1800% | 4,544 |
| Equity capital to assets | 8.8817% | 2,298 |
| Core capital (leverage) ratio | 8.9562% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3611% | 1,111 |
| Memoranda: | ||
| Average total assets | $61,806,250 | 4,356 |
| Average earning assets | $58,371,250 | 4,314 |
| Average equity | $5,402,250 | 4,423 |
| Average total loans | $39,433,250 | 4,093 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0383% | 878 |
| Cost of funding earning assets | 0.9762% | 37 |
| Net interest margin | 3.0621% | 2,673 |
| Noninterest income to average assets | 0.3457% | 3,079 |
| Noninterest expense to average assets | 2.7044% | 1,381 |
| Loan and lease loss provision to assets | 0.1777% | 496 |
| Net operating income to assets | 0.2262% | 4,390 |
| Return on assets (ROA) | 0.2262% | 4,349 |
| Pretax return on assets | 0.3522% | 4,225 |
| Return on Equity (ROE) | 2.6016% | 4,275 |
| Retained earnings to average equity (ytd only) | 2.6016% | 3,579 |
| Net charge-offs to loans | 0.0154% | 1,451 |
| Credit loss provision to net charge-offs | 1,833.3333% | 256 |
| Earnings coverage of net charge-offs (x) | 54.6667% | 1,119 |
| Efficiency ratio | 83.6164% | 707 |
| Assets per employee ($millions) | 4.4043% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 3,221 |
| 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 | 63.6977% | 1,944 |
| Net loans and leases to deposits | 88.4037% | 807 |
| Net loans and leases to core deposits | 102.0792% | 588 |
| Total domestic deposits to total assets | 72.0532% | 4,582 |
| Equity capital to assets | 8.7804% | 2,551 |
| Core capital (leverage) ratio | 8.7783% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4895% | 1,080 |
| Memoranda: | ||
| Average total assets | $61,898,000 | 4,398 |
| Average earning assets | $58,391,000 | 4,373 |
| Average equity | $5,381,333 | 4,485 |
| Average total loans | $39,007,000 | 4,153 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8617% | 981 |
| Cost of funding earning assets | 1.1503% | 13 |
| Net interest margin | 2.7114% | 3,374 |
| Noninterest income to average assets | 0.2773% | 3,479 |
| Noninterest expense to average assets | 2.4703% | 1,961 |
| Loan and lease loss provision to assets | 0.0580% | 1,354 |
| Net operating income to assets | 0.2580% | 4,227 |
| Return on assets (ROA) | 0.2580% | 4,199 |
| Pretax return on assets | 0.3031% | 4,184 |
| Return on Equity (ROE) | 2.9823% | 4,092 |
| Retained earnings to average equity (ytd only) | 2.9823% | 3,270 |
| Net charge-offs to loans | 0.0207% | 1,127 |
| Credit loss provision to net charge-offs | 450.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,160 |
| Efficiency ratio | 87.2437% | 672 |
| Assets per employee ($millions) | 4.3728% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,750 |
| Loan loss allowance to noncurrent loans | 1,283.3333% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,550 |
| Noncurrent loans to loans | 0.0777% | 3,452 |
| Net loans and leases to total assets | 62.4430% | 1,799 |
| Net loans and leases to deposits | 90.8760% | 469 |
| Net loans and leases to core deposits | 106.4108% | 342 |
| Total domestic deposits to total assets | 68.7123% | 4,669 |
| Equity capital to assets | 8.7963% | 2,882 |
| Core capital (leverage) ratio | 8.6594% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7472% | 934 |
| Memoranda: | ||
| Average total assets | $62,017,000 | 4,420 |
| Average earning assets | $58,420,000 | 4,398 |
| Average equity | $5,365,000 | 4,531 |
| Average total loans | $38,657,500 | 4,179 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 871 |
| Cost of funding earning assets | 1.0532% | 58 |
| Net interest margin | 3.2284% | 2,525 |
| Noninterest income to average assets | 0.4011% | 3,038 |
| Noninterest expense to average assets | 2.8447% | 1,257 |
| Loan and lease loss provision to assets | 0.2143% | 485 |
| Net operating income to assets | 0.2825% | 4,446 |
| Return on assets (ROA) | 0.2825% | 4,469 |
| Pretax return on assets | 0.3881% | 4,407 |
| Return on Equity (ROE) | 3.3721% | 4,312 |
| Retained earnings to average equity (ytd only) | 3.3721% | 3,470 |
| Net charge-offs to loans | 0.0252% | 1,744 |
| Credit loss provision to net charge-offs | 1,320.0000% | 430 |
| Earnings coverage of net charge-offs (x) | 37.1000% | 1,476 |
| Efficiency ratio | 82.5247% | 645 |
| Assets per employee ($millions) | 4.5093% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 3,918 |
| Loan loss allowance to noncurrent loans | 366.9903% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 2,796 |
| Noncurrent loans to loans | 0.2601% | 2,678 |
| Net loans and leases to total assets | 62.1305% | 1,922 |
| Net loans and leases to deposits | 89.4767% | 584 |
| Net loans and leases to core deposits | 104.0150% | 411 |
| Total domestic deposits to total assets | 69.4377% | 4,694 |
| Equity capital to assets | 8.2924% | 4,184 |
| Core capital (leverage) ratio | 8.4053% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8872% | 1,070 |
| Memoranda: | ||
| Average total assets | $61,587,400 | 4,436 |
| Average earning assets | $58,110,000 | 4,413 |
| Average equity | $5,160,000 | 4,617 |
| Average total loans | $39,742,200 | 4,194 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 995 |
| Cost of funding earning assets | 1.0878% | 57 |
| Net interest margin | 3.1848% | 2,774 |
| Noninterest income to average assets | 0.3965% | 3,107 |
| Noninterest expense to average assets | 2.8343% | 1,260 |
| Loan and lease loss provision to assets | 0.1912% | 550 |
| Net operating income to assets | 0.2919% | 4,530 |
| Return on assets (ROA) | 0.2919% | 4,553 |
| Pretax return on assets | 0.3747% | 4,521 |
| Return on Equity (ROE) | 3.4751% | 4,389 |
| Retained earnings to average equity (ytd only) | 3.4751% | 3,748 |
| Net charge-offs to loans | 0.2279% | 363 |
| Credit loss provision to net charge-offs | 129.4118% | 1,421 |
| Earnings coverage of net charge-offs (x) | 3.8235% | 2,290 |
| Efficiency ratio | 83.3440% | 559 |
| Assets per employee ($millions) | 4.4876% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6778% | 4,538 |
| Loan loss allowance to noncurrent loans | 1,104.0000% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,890 |
| Noncurrent loans to loans | 0.0614% | 3,792 |
| Net loans and leases to total assets | 64.3714% | 1,725 |
| Net loans and leases to deposits | 89.6361% | 626 |
| Net loans and leases to core deposits | 103.7640% | 465 |
| Total domestic deposits to total assets | 71.8142% | 4,689 |
| Equity capital to assets | 8.2689% | 4,371 |
| Core capital (leverage) ratio | 8.3323% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9632% | 1,359 |
| Memoranda: | ||
| Average total assets | $61,201,750 | 4,496 |
| Average earning assets | $57,730,250 | 4,474 |
| Average equity | $5,141,250 | 4,684 |
| Average total loans | $39,777,500 | 4,245 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2732% | 1,048 |
| Cost of funding earning assets | 1.1260% | 63 |
| Net interest margin | 3.1472% | 2,896 |
| Noninterest income to average assets | 0.4484% | 2,852 |
| Noninterest expense to average assets | 2.8585% | 1,237 |
| Loan and lease loss provision to assets | 0.1319% | 938 |
| Net operating income to assets | 0.3627% | 4,448 |
| Return on assets (ROA) | 0.3627% | 4,484 |
| Pretax return on assets | 0.4253% | 4,482 |
| Return on Equity (ROE) | 4.2941% | 4,278 |
| Retained earnings to average equity (ytd only) | 4.2941% | 3,426 |
| Net charge-offs to loans | 0.0203% | 1,533 |
| Credit loss provision to net charge-offs | 1,000.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 42.2500% | 1,137 |
| Efficiency ratio | 83.6873% | 568 |
| Assets per employee ($millions) | 4.7245% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 4,485 |
| Loan loss allowance to noncurrent loans | 124.7863% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 2,086 |
| Noncurrent loans to loans | 0.5846% | 1,938 |
| Net loans and leases to total assets | 64.6950% | 1,869 |
| Net loans and leases to deposits | 91.2882% | 579 |
| Net loans and leases to core deposits | 107.6946% | 421 |
| Total domestic deposits to total assets | 70.8689% | 4,737 |
| Equity capital to assets | 8.4225% | 4,261 |
| Core capital (leverage) ratio | 8.2976% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7319% | 1,712 |
| Memoranda: | ||
| Average total assets | $60,660,333 | 4,533 |
| Average earning assets | $57,193,333 | 4,511 |
| Average equity | $5,123,333 | 4,711 |
| Average total loans | $39,464,000 | 4,290 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 838 |
| Cost of funding earning assets | 1.1148% | 78 |
| Net interest margin | 3.3371% | 2,282 |
| Noninterest income to average assets | 0.3509% | 3,340 |
| Noninterest expense to average assets | 2.8670% | 1,217 |
| Loan and lease loss provision to assets | 0.0596% | 1,929 |
| Net operating income to assets | 0.4966% | 4,180 |
| Return on assets (ROA) | 0.4966% | 4,221 |
| Pretax return on assets | 0.5165% | 4,313 |
| Return on Equity (ROE) | 5.7367% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.7367% | 2,990 |
| Net charge-offs to loans | 0.0403% | 1,061 |
| Credit loss provision to net charge-offs | 225.0000% | 852 |
| Earnings coverage of net charge-offs (x) | 21.7500% | 1,221 |
| Efficiency ratio | 83.2692% | 635 |
| Assets per employee ($millions) | 4.3538% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6379% | 4,644 |
| 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 | 66.6940% | 1,702 |
| Net loans and leases to deposits | 95.4810% | 425 |
| Net loans and leases to core deposits | 114.3066% | 318 |
| Total domestic deposits to total assets | 69.8505% | 4,771 |
| Equity capital to assets | 8.8560% | 3,826 |
| Core capital (leverage) ratio | 8.7606% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5631% | 1,151 |
| Memoranda: | ||
| Average total assets | $60,412,000 | 4,552 |
| Average earning assets | $55,976,000 | 4,536 |
| Average equity | $5,229,500 | 4,724 |
| Average total loans | $39,692,000 | 4,310 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 1,545 |
| Cost of funding earning assets | 1.3558% | 149 |
| Net interest margin | 3.0587% | 3,733 |
| Noninterest income to average assets | 0.2439% | 4,027 |
| Noninterest expense to average assets | 2.6384% | 2,424 |
| Loan and lease loss provision to assets | 0.2491% | 1,547 |
| Net operating income to assets | 0.2113% | 4,559 |
| Return on assets (ROA) | 0.2113% | 4,616 |
| Pretax return on assets | 0.2319% | 4,627 |
| Return on Equity (ROE) | 2.4552% | 4,490 |
| Retained earnings to average equity (ytd only) | 2.4552% | 3,626 |
| Net charge-offs to loans | 0.1430% | 1,128 |
| Credit loss provision to net charge-offs | 263.6364% | 1,874 |
| Earnings coverage of net charge-offs (x) | 5.0909% | 2,905 |
| Efficiency ratio | 84.5815% | 592 |
| Assets per employee ($millions) | 4.2765% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6654% | 4,642 |
| Loan loss allowance to noncurrent loans | 186.8613% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 3,142 |
| Noncurrent loans to loans | 0.3561% | 2,924 |
| Net loans and leases to total assets | 63.8289% | 2,383 |
| Net loans and leases to deposits | 91.9602% | 778 |
| Net loans and leases to core deposits | 105.7152% | 656 |
| Total domestic deposits to total assets | 69.4092% | 4,787 |
| Equity capital to assets | 8.4532% | 4,479 |
| Core capital (leverage) ratio | 8.4270% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0049% | 1,525 |
| Memoranda: | ||
| Average total assets | $58,218,200 | 4,537 |
| Average earning assets | $54,729,400 | 4,515 |
| Average equity | $5,009,800 | 4,750 |
| Average total loans | $38,451,200 | 4,340 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 1,525 |
| Cost of funding earning assets | 1.3884% | 173 |
| Net interest margin | 3.1283% | 3,670 |
| Noninterest income to average assets | 0.2376% | 4,075 |
| Noninterest expense to average assets | 2.7679% | 2,063 |
| Loan and lease loss provision to assets | 0.0830% | 3,277 |
| Net operating income to assets | 0.3091% | 4,432 |
| Return on assets (ROA) | 0.3091% | 4,481 |
| Pretax return on assets | 0.3229% | 4,525 |
| Return on Equity (ROE) | 3.5754% | 4,277 |
| Retained earnings to average equity (ytd only) | 3.5754% | 3,268 |
| Net charge-offs to loans | 0.1491% | 982 |
| Credit loss provision to net charge-offs | 83.7209% | 2,734 |
| Earnings coverage of net charge-offs (x) | 4.0930% | 2,854 |
| Efficiency ratio | 87.2093% | 452 |
| Assets per employee ($millions) | 4.6477% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3882% | 4,891 |
| 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 | 67.5174% | 2,313 |
| Net loans and leases to deposits | 97.9801% | 626 |
| Net loans and leases to core deposits | 112.6782% | 607 |
| Total domestic deposits to total assets | 68.9093% | 4,790 |
| Equity capital to assets | 8.3946% | 4,523 |
| Core capital (leverage) ratio | 8.3369% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6872% | 1,929 |
| Memoranda: | ||
| Average total assets | $57,805,000 | 4,554 |
| Average earning assets | $54,256,500 | 4,539 |
| Average equity | $4,997,000 | 4,776 |
| Average total loans | $38,446,250 | 4,366 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 2,020 |
| Cost of funding earning assets | 1.4368% | 198 |
| Net interest margin | 3.0273% | 4,063 |
| Noninterest income to average assets | 0.2213% | 4,163 |
| Noninterest expense to average assets | 2.7403% | 2,253 |
| Loan and lease loss provision to assets | 0.0984% | 3,048 |
| Net operating income to assets | 0.2108% | 4,564 |
| Return on assets (ROA) | 0.2108% | 4,604 |
| Pretax return on assets | 0.2178% | 4,620 |
| Return on Equity (ROE) | 2.4163% | 4,455 |
| Retained earnings to average equity (ytd only) | 2.4163% | 3,607 |
| Net charge-offs to loans | -0.2710% | 4,969 |
| Credit loss provision to net charge-offs | -54.9020% | 3,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6552% | 392 |
| Assets per employee ($millions) | 4.6243% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6118% | 4,728 |
| Loan loss allowance to noncurrent loans | 980.0000% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 4,329 |
| Noncurrent loans to loans | 0.0624% | 4,229 |
| Net loans and leases to total assets | 66.2037% | 2,598 |
| Net loans and leases to deposits | 96.6863% | 746 |
| Net loans and leases to core deposits | 130.9781% | 246 |
| Total domestic deposits to total assets | 68.4726% | 4,833 |
| Equity capital to assets | 8.3139% | 4,582 |
| Core capital (leverage) ratio | 9.4257% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9813% | 1,828 |
| Memoranda: | ||
| Average total assets | $56,927,667 | 4,583 |
| Average earning assets | $53,314,333 | 4,563 |
| Average equity | $4,966,333 | 4,804 |
| Average total loans | $37,631,667 | 4,393 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5731% | 2,087 |
| Cost of funding earning assets | 1.4909% | 284 |
| Net interest margin | 3.0822% | 4,131 |
| Noninterest income to average assets | 0.2747% | 3,886 |
| Noninterest expense to average assets | 2.8337% | 2,327 |
| Loan and lease loss provision to assets | 0.1446% | 1,947 |
| Net operating income to assets | 0.1880% | 4,542 |
| Return on assets (ROA) | 0.1880% | 4,553 |
| Pretax return on assets | 0.1807% | 4,589 |
| Return on Equity (ROE) | 2.1008% | 4,425 |
| Retained earnings to average equity (ytd only) | 2.1008% | 3,409 |
| Net charge-offs to loans | 0.1318% | 932 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 2,187 |
| Efficiency ratio | 89.7025% | 511 |
| Assets per employee ($millions) | 4.3049% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4701% | 4,896 |
| Loan loss allowance to noncurrent loans | 1,441.6667% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 4,159 |
| Noncurrent loans to loans | 0.0326% | 4,432 |
| Net loans and leases to total assets | 65.4492% | 2,878 |
| Net loans and leases to deposits | 99.3544% | 597 |
| Net loans and leases to core deposits | 140.7146% | 162 |
| Total domestic deposits to total assets | 65.8745% | 4,962 |
| Equity capital to assets | 8.8682% | 4,664 |
| Core capital (leverage) ratio | 8.9734% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6101% | 1,437 |
| Memoranda: | ||
| Average total assets | $55,333,500 | 4,621 |
| Average earning assets | $51,781,500 | 4,605 |
| Average equity | $4,950,500 | 4,842 |
| Average total loans | $36,425,500 | 4,444 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6406% | 2,497 |
| Cost of funding earning assets | 1.5415% | 351 |
| Net interest margin | 3.0991% | 4,369 |
| Noninterest income to average assets | 0.3901% | 3,359 |
| Noninterest expense to average assets | 2.9001% | 2,291 |
| Loan and lease loss provision to assets | 0.1753% | 1,189 |
| Net operating income to assets | 0.1662% | 4,872 |
| Return on assets (ROA) | 0.1677% | 4,893 |
| Pretax return on assets | 0.2111% | 4,878 |
| Return on Equity (ROE) | 1.8211% | 4,813 |
| Retained earnings to average equity (ytd only) | 1.8211% | 4,071 |
| Net charge-offs to loans | 0.1369% | 1,415 |
| Credit loss provision to net charge-offs | 193.7500% | 1,366 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 3,237 |
| Efficiency ratio | 88.2960% | 422 |
| Assets per employee ($millions) | 4.2079% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4605% | 4,937 |
| Loan loss allowance to noncurrent loans | 108.4967% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 3,003 |
| Noncurrent loans to loans | 0.4244% | 2,929 |
| Net loans and leases to total assets | 65.5979% | 3,004 |
| Net loans and leases to deposits | 97.7553% | 778 |
| Net loans and leases to core deposits | 112.1550% | 748 |
| Total domestic deposits to total assets | 67.1042% | 5,007 |
| Equity capital to assets | 9.0269% | 4,675 |
| Core capital (leverage) ratio | 9.1358% | 4,416 |
| Tier 1 risk-based capital ratio | 14.8901% | 2,826 |
| Total risk-based capital ratio | 15.3906% | 3,111 |
| Memoranda: | ||
| Average total assets | $53,066,800 | 4,698 |
| Average earning assets | $49,562,600 | 4,681 |
| Average equity | $4,887,200 | 4,898 |
| Average total loans | $35,068,600 | 4,533 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6333% | 2,621 |
| Cost of funding earning assets | 1.5453% | 353 |
| Net interest margin | 3.0880% | 4,496 |
| Noninterest income to average assets | 0.4051% | 3,283 |
| Noninterest expense to average assets | 2.8966% | 2,274 |
| Loan and lease loss provision to assets | 0.2127% | 814 |
| Net operating income to assets | 0.1398% | 4,993 |
| Return on assets (ROA) | 0.1418% | 5,010 |
| Pretax return on assets | 0.1772% | 4,992 |
| Return on Equity (ROE) | 1.5316% | 4,964 |
| Retained earnings to average equity (ytd only) | 1.5316% | 4,421 |
| Net charge-offs to loans | 0.1110% | 1,358 |
| Credit loss provision to net charge-offs | 289.6552% | 970 |
| Earnings coverage of net charge-offs (x) | 5.2751% | 2,932 |
| Efficiency ratio | 88.2035% | 386 |
| Assets per employee ($millions) | 4.1597% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4902% | 4,982 |
| Loan loss allowance to noncurrent loans | 293.3333% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 4,160 |
| Noncurrent loans to loans | 0.1671% | 3,940 |
| Net loans and leases to total assets | 66.0644% | 3,042 |
| Net loans and leases to deposits | 100.5488% | 594 |
| Net loans and leases to core deposits | 113.7739% | 767 |
| Total domestic deposits to total assets | 65.7038% | 5,105 |
| Equity capital to assets | 9.0724% | 4,742 |
| Core capital (leverage) ratio | 9.0308% | 4,613 |
| Tier 1 risk-based capital ratio | 15.1335% | 2,790 |
| Total risk-based capital ratio | 15.6844% | 3,026 |
| Memoranda: | ||
| Average total assets | $52,657,750 | 4,776 |
| Average earning assets | $49,092,500 | 4,758 |
| Average equity | $4,874,500 | 4,964 |
| Average total loans | $34,823,250 | 4,599 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 2,906 |
| Cost of funding earning assets | 1.5154% | 361 |
| Net interest margin | 3.0184% | 4,653 |
| Noninterest income to average assets | 0.4637% | 2,889 |
| Noninterest expense to average assets | 2.9012% | 2,279 |
| Loan and lease loss provision to assets | 0.2300% | 711 |
| Net operating income to assets | 0.1226% | 5,045 |
| Return on assets (ROA) | 0.1226% | 5,054 |
| Pretax return on assets | 0.1495% | 5,048 |
| Return on Equity (ROE) | 1.3158% | 5,019 |
| Retained earnings to average equity (ytd only) | 1.3158% | 4,347 |
| Net charge-offs to loans | 0.1509% | 1,032 |
| Credit loss provision to net charge-offs | 230.7692% | 1,086 |
| Earnings coverage of net charge-offs (x) | 3.8077% | 2,795 |
| Efficiency ratio | 88.4346% | 422 |
| Assets per employee ($millions) | 4.1302% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4336% | 5,080 |
| Loan loss allowance to noncurrent loans | 178.1609% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 3,952 |
| Noncurrent loans to loans | 0.2434% | 3,665 |
| Net loans and leases to total assets | 66.2824% | 3,068 |
| Net loans and leases to deposits | 99.0813% | 747 |
| Net loans and leases to core deposits | 109.7952% | 988 |
| Total domestic deposits to total assets | 66.8970% | 5,134 |
| Equity capital to assets | 9.0906% | 4,746 |
| Core capital (leverage) ratio | 9.2311% | 4,423 |
| Tier 1 risk-based capital ratio | 17.9331% | 1,826 |
| Total risk-based capital ratio | 18.5085% | 1,964 |
| Memoranda: | ||
| Average total assets | $52,185,000 | 4,816 |
| Average earning assets | $48,701,330 | 4,794 |
| Average equity | $4,864,000 | 5,002 |
| Average total loans | $34,464,000 | 4,644 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 2,166 |
| Cost of funding earning assets | 1.4776% | 350 |
| Net interest margin | 3.2391% | 4,305 |
| Noninterest income to average assets | 0.3422% | 3,579 |
| Noninterest expense to average assets | 3.1343% | 1,647 |
| Loan and lease loss provision to assets | 0.1089% | 1,633 |
| Net operating income to assets | 0.1011% | 5,089 |
| Return on assets (ROA) | 0.1011% | 5,095 |
| Pretax return on assets | 0.1167% | 5,093 |
| Return on Equity (ROE) | 1.0710% | 5,059 |
| Retained earnings to average equity (ytd only) | 1.0710% | 4,294 |
| Net charge-offs to loans | 0.1656% | 819 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 2.0714% | 2,532 |
| Efficiency ratio | 93.2870% | 298 |
| Assets per employee ($millions) | 4.0030% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3575% | 5,210 |
| Loan loss allowance to noncurrent loans | 232.6923% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 2,869 |
| Noncurrent loans to loans | 0.1536% | 4,048 |
| Net loans and leases to total assets | 64.8072% | 3,192 |
| Net loans and leases to deposits | 94.8904% | 1,073 |
| Net loans and leases to core deposits | 105.1180% | 1,233 |
| Total domestic deposits to total assets | 68.2969% | 5,167 |
| Equity capital to assets | 9.3430% | 4,396 |
| Core capital (leverage) ratio | 9.0598% | 4,611 |
| Tier 1 risk-based capital ratio | 18.4017% | 1,685 |
| Total risk-based capital ratio | 18.4056% | 2,005 |
| Memoranda: | ||
| Average total assets | $51,431,000 | 4,878 |
| Average earning assets | $47,914,000 | 4,860 |
| Average equity | $4,855,500 | 5,048 |
| Average total loans | $33,824,000 | 4,705 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 3,152 |
| Cost of funding earning assets | 1.2441% | 285 |
| Net interest margin | 3.0450% | 4,741 |
| Noninterest income to average assets | 0.3014% | 4,088 |
| Noninterest expense to average assets | 3.0921% | 1,823 |
| Loan and lease loss provision to assets | -0.1025% | 5,273 |
| Net operating income to assets | 0.1139% | 5,172 |
| Return on assets (ROA) | 0.1497% | 5,139 |
| Pretax return on assets | 0.1804% | 5,129 |
| Return on Equity (ROE) | 1.5161% | 5,107 |
| Retained earnings to average equity (ytd only) | 1.5161% | 4,526 |
| Net charge-offs to loans | 0.1181% | 1,561 |
| Credit loss provision to net charge-offs | -135.1351% | 4,427 |
| Earnings coverage of net charge-offs (x) | 0.4595% | 3,696 |
| Efficiency ratio | 98.8852% | 160 |
| Assets per employee ($millions) | 3.9095% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3580% | 5,246 |
| Loan loss allowance to noncurrent loans | 23.4951% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 1.3498% | 927 |
| Noncurrent loans to loans | 1.5236% | 997 |
| Net loans and leases to total assets | 66.2712% | 3,094 |
| Net loans and leases to deposits | 96.2975% | 1,045 |
| Net loans and leases to core deposits | 96.2975% | 2,036 |
| Total domestic deposits to total assets | 68.8192% | 5,190 |
| Equity capital to assets | 9.5410% | 4,093 |
| Core capital (leverage) ratio | 9.4491% | 4,171 |
| Tier 1 risk-based capital ratio | 23.1710% | 902 |
| Total risk-based capital ratio | 23.7492% | 945 |
| Memoranda: | ||
| Average total assets | $48,769,400 | 4,957 |
| Average earning assets | $45,254,800 | 4,949 |
| Average equity | $4,815,000 | 5,076 |
| Average total loans | $31,337,600 | 4,785 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 2,827 |
| Cost of funding earning assets | 1.1512% | 323 |
| Net interest margin | 3.1852% | 4,540 |
| Noninterest income to average assets | 0.3039% | 4,112 |
| Noninterest expense to average assets | 3.0199% | 1,957 |
| Loan and lease loss provision to assets | 0.0497% | 2,996 |
| Net operating income to assets | 0.1520% | 5,229 |
| Return on assets (ROA) | 0.1520% | 5,222 |
| Pretax return on assets | 0.1851% | 5,209 |
| Return on Equity (ROE) | 1.5256% | 5,184 |
| Retained earnings to average equity (ytd only) | 1.5256% | 4,718 |
| Net charge-offs to loans | 0.1606% | 1,030 |
| Credit loss provision to net charge-offs | 48.6486% | 2,842 |
| Earnings coverage of net charge-offs (x) | 2.2974% | 3,253 |
| Efficiency ratio | 92.7844% | 264 |
| Assets per employee ($millions) | 4.1378% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5879% | 5,060 |
| Loan loss allowance to noncurrent loans | 109.8837% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 2,120 |
| Noncurrent loans to loans | 0.5350% | 2,780 |
| Net loans and leases to total assets | 64.3707% | 3,378 |
| Net loans and leases to deposits | 95.0260% | 1,269 |
| Net loans and leases to core deposits | 106.8963% | 1,238 |
| Total domestic deposits to total assets | 67.7401% | 5,288 |
| Equity capital to assets | 9.7356% | 3,887 |
| Core capital (leverage) ratio | 9.7775% | 3,864 |
| Tier 1 risk-based capital ratio | 16.8626% | 2,150 |
| Total risk-based capital ratio | 17.5219% | 2,284 |
| Memoranda: | ||
| Average total assets | $48,256,000 | 5,022 |
| Average earning assets | $44,705,250 | 5,016 |
| Average equity | $4,806,500 | 5,138 |
| Average total loans | $30,721,500 | 4,854 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2931% | 2,785 |
| Cost of funding earning assets | 1.0620% | 347 |
| Net interest margin | 3.2312% | 4,432 |
| Noninterest income to average assets | 0.2929% | 4,219 |
| Noninterest expense to average assets | 3.0341% | 1,957 |
| Loan and lease loss provision to assets | 0.0502% | 2,911 |
| Net operating income to assets | 0.1632% | 5,254 |
| Return on assets (ROA) | 0.1632% | 5,247 |
| Pretax return on assets | 0.2009% | 5,235 |
| Return on Equity (ROE) | 1.6259% | 5,213 |
| Retained earnings to average equity (ytd only) | 1.6259% | 4,600 |
| Net charge-offs to loans | 0.2050% | 775 |
| Credit loss provision to net charge-offs | 38.7097% | 2,569 |
| Earnings coverage of net charge-offs (x) | 1.9355% | 3,012 |
| Efficiency ratio | 92.3567% | 299 |
| Assets per employee ($millions) | 4.1138% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6083% | 5,088 |
| Loan loss allowance to noncurrent loans | 34.0541% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 1.4747% | 907 |
| Noncurrent loans to loans | 1.7863% | 875 |
| Net loans and leases to total assets | 62.5532% | 3,541 |
| Net loans and leases to deposits | 90.5466% | 1,775 |
| Net loans and leases to core deposits | 99.3853% | 1,780 |
| Total domestic deposits to total assets | 69.0840% | 5,305 |
| Equity capital to assets | 9.7598% | 3,862 |
| Core capital (leverage) ratio | 10.1240% | 3,456 |
| Tier 1 risk-based capital ratio | 17.3147% | 1,994 |
| Total risk-based capital ratio | 17.9940% | 2,127 |
| Memoranda: | ||
| Average total assets | $47,790,330 | 5,091 |
| Average earning assets | $44,256,670 | 5,085 |
| Average equity | $4,797,330 | 5,191 |
| Average total loans | $30,245,000 | 4,922 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 2,626 |
| Cost of funding earning assets | 1.0429% | 304 |
| Net interest margin | 3.2301% | 4,371 |
| Noninterest income to average assets | 0.3234% | 3,993 |
| Noninterest expense to average assets | 3.0892% | 1,855 |
| Loan and lease loss provision to assets | 0.0511% | 2,756 |
| Net operating income to assets | 0.1362% | 5,302 |
| Return on assets (ROA) | 0.1362% | 5,297 |
| Pretax return on assets | 0.1617% | 5,296 |
| Return on Equity (ROE) | 1.3370% | 5,278 |
| Retained earnings to average equity (ytd only) | 1.3370% | 4,534 |
| Net charge-offs to loans | 0.0939% | 1,238 |
| Credit loss provision to net charge-offs | 85.7143% | 1,694 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 2,372 |
| Efficiency ratio | 93.5567% | 312 |
| Assets per employee ($millions) | 3.9219% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6970% | 5,035 |
| Loan loss allowance to noncurrent loans | 333.8710% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 2,145 |
| Noncurrent loans to loans | 0.2088% | 4,036 |
| Net loans and leases to total assets | 62.6628% | 3,466 |
| Net loans and leases to deposits | 86.9864% | 2,052 |
| Net loans and leases to core deposits | 93.8845% | 2,151 |
| Total domestic deposits to total assets | 72.0375% | 5,284 |
| Equity capital to assets | 10.1885% | 3,408 |
| Core capital (leverage) ratio | 10.2208% | 3,275 |
| Tier 1 risk-based capital ratio | 18.4999% | 1,693 |
| Total risk-based capital ratio | 19.2986% | 1,771 |
| Memoranda: | ||
| Average total assets | $47,002,500 | 5,167 |
| Average earning assets | $43,342,500 | 5,156 |
| Average equity | $4,787,000 | 5,248 |
| Average total loans | $29,833,000 | 4,977 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 2,755 |
| Cost of funding earning assets | 1.0085% | 202 |
| Net interest margin | 3.1733% | 4,509 |
| Noninterest income to average assets | 1.0333% | 952 |
| Noninterest expense to average assets | 3.7134% | 778 |
| Loan and lease loss provision to assets | 0.0527% | 3,176 |
| Net operating income to assets | 0.2130% | 5,087 |
| Return on assets (ROA) | 0.2130% | 5,104 |
| Pretax return on assets | 0.2130% | 5,300 |
| Return on Equity (ROE) | 2.1864% | 5,022 |
| Retained earnings to average equity (ytd only) | 2.1864% | 4,012 |
| Net charge-offs to loans | 0.5467% | 427 |
| Credit loss provision to net charge-offs | 15.0602% | 3,637 |
| Earnings coverage of net charge-offs (x) | 0.7590% | 3,967 |
| Efficiency ratio | 93.3227% | 314 |
| Assets per employee ($millions) | 3.9118% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6941% | 5,082 |
| Loan loss allowance to noncurrent loans | 507.3171% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 2,260 |
| Noncurrent loans to loans | 0.1368% | 4,379 |
| Net loans and leases to total assets | 63.3974% | 3,438 |
| Net loans and leases to deposits | 86.7411% | 2,168 |
| Net loans and leases to core deposits | 93.5143% | 2,240 |
| Total domestic deposits to total assets | 73.0881% | 5,251 |
| Equity capital to assets | 10.1806% | 3,512 |
| Core capital (leverage) ratio | 10.2207% | 3,166 |
| Tier 1 risk-based capital ratio | 18.3956% | 1,681 |
| Total risk-based capital ratio | 19.1963% | 1,761 |
| Memoranda: | ||
| Average total assets | $47,422,800 | 5,204 |
| Average earning assets | $44,023,600 | 5,188 |
| Average equity | $4,619,400 | 5,331 |
| Average total loans | $30,363,600 | 5,014 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 2,896 |
| Cost of funding earning assets | 0.9929% | 204 |
| Net interest margin | 3.1327% | 4,615 |
| Noninterest income to average assets | 1.2816% | 649 |
| Noninterest expense to average assets | 3.9093% | 587 |
| Loan and lease loss provision to assets | 0.0701% | 2,677 |
| Net operating income to assets | 0.1823% | 5,369 |
| Return on assets (ROA) | 0.1823% | 5,381 |
| Pretax return on assets | 0.2131% | 5,372 |
| Return on Equity (ROE) | 1.8923% | 5,325 |
| Retained earnings to average equity (ytd only) | 1.8923% | 4,678 |
| Net charge-offs to loans | 0.6784% | 283 |
| Credit loss provision to net charge-offs | 16.1290% | 3,184 |
| Earnings coverage of net charge-offs (x) | 0.6516% | 3,646 |
| Efficiency ratio | 93.2441% | 312 |
| Assets per employee ($millions) | 3.6325% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7284% | 5,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 2,721 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 63.2001% | 3,531 |
| Net loans and leases to deposits | 88.1033% | 2,046 |
| Net loans and leases to core deposits | 95.1235% | 2,159 |
| Total domestic deposits to total assets | 71.7341% | 5,393 |
| Equity capital to assets | 10.0438% | 3,864 |
| Core capital (leverage) ratio | 9.9419% | 3,639 |
| Tier 1 risk-based capital ratio | 18.6821% | 1,682 |
| Total risk-based capital ratio | 19.5447% | 1,740 |
| Memoranda: | ||
| Average total assets | $47,543,000 | 5,260 |
| Average earning assets | $44,178,250 | 5,244 |
| Average equity | $4,579,500 | 5,392 |
| Average total loans | $30,462,500 | 5,063 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 3,021 |
| Cost of funding earning assets | 0.9664% | 204 |
| Net interest margin | 3.0797% | 4,728 |
| Noninterest income to average assets | 0.3945% | 3,726 |
| Noninterest expense to average assets | 4.2645% | 391 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.0074% | 5,717 |
| Return on assets (ROA) | -1.0074% | 5,717 |
| Pretax return on assets | -1.0074% | 5,712 |
| Return on Equity (ROE) | -10.6077% | 5,722 |
| Retained earnings to average equity (ytd only) | -10.6077% | 5,663 |
| Net charge-offs to loans | 1.0655% | 187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -1.4724% | 3,438 |
| Efficiency ratio | 130.9278% | 48 |
| Assets per employee ($millions) | 3.7228% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6058% | 5,369 |
| Loan loss allowance to noncurrent loans | 136.7647% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 3,185 |
| Noncurrent loans to loans | 0.4430% | 3,425 |
| Net loans and leases to total assets | 63.0527% | 3,506 |
| Net loans and leases to deposits | 86.6903% | 2,143 |
| Net loans and leases to core deposits | 93.2382% | 2,221 |
| Total domestic deposits to total assets | 72.7333% | 5,409 |
| Equity capital to assets | 9.1702% | 4,745 |
| Core capital (leverage) ratio | 9.1911% | 4,504 |
| Tier 1 risk-based capital ratio | 17.2236% | 2,086 |
| Total risk-based capital ratio | 17.9454% | 2,203 |
| Memoranda: | ||
| Average total assets | $47,649,670 | 5,298 |
| Average earning assets | $44,289,330 | 5,283 |
| Average equity | $4,525,000 | 5,438 |
| Average total loans | $30,595,330 | 5,093 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 2,772 |
| Cost of funding earning assets | 0.9063% | 268 |
| Net interest margin | 3.1631% | 4,460 |
| Noninterest income to average assets | 0.4823% | 3,094 |
| Noninterest expense to average assets | 5.2880% | 204 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.8529% | 5,815 |
| Return on assets (ROA) | -1.8529% | 5,814 |
| Pretax return on assets | -1.8529% | 5,811 |
| Return on Equity (ROE) | -19.1748% | 5,813 |
| Retained earnings to average equity (ytd only) | -19.1748% | 5,715 |
| Net charge-offs to loans | 0.3536% | 516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -8.1111% | 2,912 |
| Efficiency ratio | 153.9409% | 33 |
| Assets per employee ($millions) | 3.7095% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 4,003 |
| Loan loss allowance to noncurrent loans | 68.6567% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 0.9725% | 1,883 |
| Noncurrent loans to loans | 1.5219% | 1,303 |
| Net loans and leases to total assets | 63.2361% | 3,368 |
| Net loans and leases to deposits | 86.4077% | 1,991 |
| Net loans and leases to core deposits | 92.8989% | 2,077 |
| Total domestic deposits to total assets | 73.1835% | 5,474 |
| Equity capital to assets | 9.2464% | 4,572 |
| Core capital (leverage) ratio | 9.3511% | 4,277 |
| Tier 1 risk-based capital ratio | 16.6623% | 2,296 |
| Total risk-based capital ratio | 17.8656% | 2,275 |
| Memoranda: | ||
| Average total assets | $47,276,500 | 5,364 |
| Average earning assets | $44,134,500 | 5,343 |
| Average equity | $4,568,500 | 5,490 |
| Average total loans | $30,542,500 | 5,139 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1505% | 2,658 |
| Cost of funding earning assets | 0.8927% | 311 |
| Net interest margin | 3.2578% | 4,274 |
| Noninterest income to average assets | 0.2887% | 4,672 |
| Noninterest expense to average assets | 3.4845% | 1,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.1194% | 5,692 |
| Return on assets (ROA) | -0.1194% | 5,705 |
| Pretax return on assets | -0.1693% | 5,712 |
| Return on Equity (ROE) | -1.1605% | 5,713 |
| Retained earnings to average equity (ytd only) | -1.1605% | 5,463 |
| Net charge-offs to loans | 0.1080% | 2,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -2.4375% | 4,199 |
| Efficiency ratio | 105.1081% | 172 |
| Assets per employee ($millions) | 3.5638% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 3,413 |
| Loan loss allowance to noncurrent loans | 69.5219% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 1,734 |
| Noncurrent loans to loans | 1.6585% | 1,166 |
| Net loans and leases to total assets | 64.5794% | 3,277 |
| Net loans and leases to deposits | 89.1667% | 1,789 |
| Net loans and leases to core deposits | 94.4025% | 2,066 |
| Total domestic deposits to total assets | 72.4255% | 5,529 |
| Equity capital to assets | 10.0973% | 3,611 |
| Core capital (leverage) ratio | 10.1153% | 3,346 |
| Tier 1 risk-based capital ratio | 18.3329% | 1,767 |
| Total risk-based capital ratio | 19.5830% | 1,733 |
| Memoranda: | ||
| Average total assets | $46,061,600 | 5,419 |
| Average earning assets | $42,790,200 | 5,404 |
| Average equity | $4,739,400 | 5,518 |
| Average total loans | $29,622,600 | 5,202 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 2,804 |
| Cost of funding earning assets | 0.8855% | 313 |
| Net interest margin | 3.2334% | 4,391 |
| Noninterest income to average assets | 0.2841% | 4,737 |
| Noninterest expense to average assets | 3.1162% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1536% | 5,546 |
| Return on assets (ROA) | 0.1536% | 5,608 |
| Pretax return on assets | 0.1739% | 5,592 |
| Return on Equity (ROE) | 1.4861% | 5,562 |
| Retained earnings to average equity (ytd only) | 1.4861% | 4,919 |
| Net charge-offs to loans | 0.0091% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 29.9625% | 1,490 |
| Efficiency ratio | 94.7137% | 360 |
| Assets per employee ($millions) | 3.5632% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,856 |
| Loan loss allowance to noncurrent loans | 115.5488% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 2,791 |
| Noncurrent loans to loans | 1.0968% | 2,061 |
| Net loans and leases to total assets | 63.7400% | 3,436 |
| Net loans and leases to deposits | 88.8852% | 1,909 |
| Net loans and leases to core deposits | 94.1906% | 2,177 |
| Total domestic deposits to total assets | 71.7105% | 5,608 |
| Equity capital to assets | 10.3322% | 3,768 |
| Core capital (leverage) ratio | 10.3629% | 3,144 |
| Tier 1 risk-based capital ratio | 19.4894% | 1,553 |
| Total risk-based capital ratio | 20.7395% | 1,512 |
| Memoranda: | ||
| Average total assets | $45,994,750 | 5,475 |
| Average earning assets | $42,760,750 | 5,461 |
| Average equity | $4,754,750 | 5,571 |
| Average total loans | $29,461,250 | 5,258 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,251 |
| Cost of funding earning assets | 0.8746% | 327 |
| Net interest margin | 3.1242% | 4,766 |
| Noninterest income to average assets | 0.2702% | 4,848 |
| Noninterest expense to average assets | 3.0510% | 2,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1177% | 5,647 |
| Return on assets (ROA) | 0.1177% | 5,695 |
| Pretax return on assets | 0.1308% | 5,688 |
| Return on Equity (ROE) | 1.1382% | 5,667 |
| Retained earnings to average equity (ytd only) | 1.1382% | 4,926 |
| Net charge-offs to loans | 0.0068% | 3,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,388 |
| Efficiency ratio | 95.8904% | 351 |
| Assets per employee ($millions) | 3.2934% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 2,821 |
| Loan loss allowance to noncurrent loans | 128.3784% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 3,072 |
| Noncurrent loans to loans | 1.0080% | 2,272 |
| Net loans and leases to total assets | 62.8668% | 3,522 |
| Net loans and leases to deposits | 88.0766% | 1,988 |
| Net loans and leases to core deposits | 92.9605% | 2,263 |
| Total domestic deposits to total assets | 71.3774% | 5,707 |
| Equity capital to assets | 10.3238% | 3,824 |
| Core capital (leverage) ratio | 10.3867% | 3,091 |
| Tier 1 risk-based capital ratio | 19.7896% | 1,505 |
| Total risk-based capital ratio | 21.0410% | 1,467 |
| Memoranda: | ||
| Average total assets | $45,886,000 | 5,542 |
| Average earning assets | $42,762,670 | 5,524 |
| Average equity | $4,744,330 | 5,628 |
| Average total loans | $29,313,670 | 5,318 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 3,226 |
| Cost of funding earning assets | 0.8749% | 326 |
| Net interest margin | 3.1233% | 4,803 |
| Noninterest income to average assets | 0.2534% | 4,933 |
| Noninterest expense to average assets | 3.0846% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0699% | 5,722 |
| Return on assets (ROA) | 0.0699% | 5,760 |
| Pretax return on assets | 0.0699% | 5,765 |
| Return on Equity (ROE) | 0.6756% | 5,748 |
| Retained earnings to average equity (ytd only) | 0.6756% | 4,946 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7839% | 349 |
| Assets per employee ($millions) | 3.2039% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 2,845 |
| Loan loss allowance to noncurrent loans | 80.5497% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0545% | 2,101 |
| Noncurrent loans to loans | 1.6281% | 1,412 |
| Net loans and leases to total assets | 63.9193% | 3,253 |
| Net loans and leases to deposits | 88.0018% | 1,826 |
| Net loans and leases to core deposits | 91.5334% | 2,230 |
| Total domestic deposits to total assets | 72.6340% | 5,733 |
| Equity capital to assets | 10.5674% | 3,407 |
| Core capital (leverage) ratio | 10.3627% | 3,115 |
| Tier 1 risk-based capital ratio | 19.4653% | 1,620 |
| Total risk-based capital ratio | 20.7178% | 1,588 |
| Memoranda: | ||
| Average total assets | $45,775,500 | 5,597 |
| Average earning assets | $42,518,500 | 5,584 |
| Average equity | $4,736,500 | 5,670 |
| Average total loans | $29,287,500 | 5,363 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9922% | 3,340 |
| Cost of funding earning assets | 0.9023% | 286 |
| Net interest margin | 3.0900% | 4,927 |
| Noninterest income to average assets | 0.2790% | 4,886 |
| Noninterest expense to average assets | 2.9996% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1449% | 5,688 |
| Return on assets (ROA) | 0.1449% | 5,741 |
| Pretax return on assets | 0.1752% | 5,717 |
| Return on Equity (ROE) | 1.4263% | 5,698 |
| Retained earnings to average equity (ytd only) | 1.4263% | 4,914 |
| Net charge-offs to loans | 0.0665% | 2,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 4.0500% | 3,618 |
| Efficiency ratio | 94.4823% | 463 |
| Assets per employee ($millions) | 3.8913% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,956 |
| Loan loss allowance to noncurrent loans | 82.2894% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9915% | 2,217 |
| Noncurrent loans to loans | 1.5683% | 1,467 |
| Net loans and leases to total assets | 62.4079% | 3,502 |
| Net loans and leases to deposits | 86.2393% | 2,100 |
| Net loans and leases to core deposits | 91.4115% | 2,280 |
| Total domestic deposits to total assets | 72.3659% | 5,774 |
| Equity capital to assets | 10.1358% | 3,821 |
| Core capital (leverage) ratio | 10.1432% | 3,328 |
| Tier 1 risk-based capital ratio | 18.9328% | 1,718 |
| Total risk-based capital ratio | 20.1848% | 1,683 |
| Memoranda: | ||
| Average total assets | $46,240,000 | 5,628 |
| Average earning assets | $43,334,000 | 5,599 |
| Average equity | $4,697,400 | 5,720 |
| Average total loans | $30,073,600 | 5,355 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 3,441 |
| Cost of funding earning assets | 0.9021% | 286 |
| Net interest margin | 3.0728% | 5,029 |
| Noninterest income to average assets | 0.2919% | 4,855 |
| Noninterest expense to average assets | 3.0062% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1416% | 5,789 |
| Return on assets (ROA) | 0.1416% | 5,835 |
| Pretax return on assets | 0.1705% | 5,824 |
| Return on Equity (ROE) | 1.3934% | 5,796 |
| Retained earnings to average equity (ytd only) | 1.3934% | 5,163 |
| Net charge-offs to loans | 0.0574% | 2,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.5389% | 3,331 |
| Efficiency ratio | 94.6315% | 465 |
| Assets per employee ($millions) | 3.9157% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 3,108 |
| Loan loss allowance to noncurrent loans | 86.6071% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9534% | 2,464 |
| Noncurrent loans to loans | 1.4986% | 1,677 |
| Net loans and leases to total assets | 62.7948% | 3,484 |
| Net loans and leases to deposits | 88.0645% | 1,891 |
| Net loans and leases to core deposits | 93.3055% | 2,144 |
| Total domestic deposits to total assets | 71.3054% | 5,911 |
| Equity capital to assets | 10.0345% | 4,114 |
| Core capital (leverage) ratio | 10.0244% | 3,588 |
| Tier 1 risk-based capital ratio | 18.8148% | 1,819 |
| Total risk-based capital ratio | 20.0678% | 1,789 |
| Memoranda: | ||
| Average total assets | $46,126,000 | 5,702 |
| Average earning assets | $43,304,000 | 5,673 |
| Average equity | $4,688,500 | 5,801 |
| Average total loans | $30,211,250 | 5,412 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 3,357 |
| Cost of funding earning assets | 0.9161% | 265 |
| Net interest margin | 3.0692% | 5,049 |
| Noninterest income to average assets | 0.2749% | 4,984 |
| Noninterest expense to average assets | 3.0106% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1222% | 5,847 |
| Return on assets (ROA) | 0.1222% | 5,895 |
| Pretax return on assets | 0.1440% | 5,888 |
| Return on Equity (ROE) | 1.1967% | 5,863 |
| Retained earnings to average equity (ytd only) | 1.1967% | 5,082 |
| Net charge-offs to loans | 0.0594% | 2,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 3,158 |
| Efficiency ratio | 95.4357% | 461 |
| Assets per employee ($millions) | 3.8116% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 3,160 |
| Loan loss allowance to noncurrent loans | 167.5214% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 3,910 |
| Noncurrent loans to loans | 0.7848% | 3,141 |
| Net loans and leases to total assets | 64.3302% | 3,221 |
| Net loans and leases to deposits | 85.8193% | 2,073 |
| Net loans and leases to core deposits | 90.8260% | 2,260 |
| Total domestic deposits to total assets | 74.9601% | 5,708 |
| Equity capital to assets | 10.2626% | 3,736 |
| Core capital (leverage) ratio | 10.2646% | 3,263 |
| Tier 1 risk-based capital ratio | 20.8724% | 1,390 |
| Total risk-based capital ratio | 22.1264% | 1,358 |
| Memoranda: | ||
| Average total assets | $45,838,670 | 5,771 |
| Average earning assets | $43,007,670 | 5,737 |
| Average equity | $4,679,670 | 5,858 |
| Average total loans | $30,317,000 | 5,459 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 3,477 |
| Cost of funding earning assets | 0.9055% | 278 |
| Net interest margin | 3.0307% | 5,123 |
| Noninterest income to average assets | 0.2877% | 4,868 |
| Noninterest expense to average assets | 3.0160% | 2,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1133% | 5,850 |
| Return on assets (ROA) | 0.1133% | 5,910 |
| Pretax return on assets | 0.1308% | 5,921 |
| Return on Equity (ROE) | 1.1129% | 5,889 |
| Retained earnings to average equity (ytd only) | 1.1129% | 5,037 |
| Net charge-offs to loans | 0.1178% | 1,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 2,883 |
| Efficiency ratio | 95.8449% | 509 |
| Assets per employee ($millions) | 3.5329% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 3,498 |
| Loan loss allowance to noncurrent loans | 138.5159% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 3,640 |
| Noncurrent loans to loans | 0.9264% | 2,929 |
| Net loans and leases to total assets | 65.6615% | 2,827 |
| Net loans and leases to deposits | 87.6733% | 1,649 |
| Net loans and leases to core deposits | 92.7023% | 1,887 |
| Total domestic deposits to total assets | 74.8933% | 5,837 |
| Equity capital to assets | 10.1877% | 3,895 |
| Core capital (leverage) ratio | 10.0956% | 3,480 |
| Tier 1 risk-based capital ratio | 18.9995% | 1,869 |
| Total risk-based capital ratio | 20.2501% | 1,830 |
| Memoranda: | ||
| Average total assets | $45,888,500 | 5,822 |
| Average earning assets | $43,291,000 | 5,776 |
| Average equity | $4,672,500 | 5,914 |
| Average total loans | $30,567,500 | 5,482 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 3,361 |
| Cost of funding earning assets | 0.7640% | 792 |
| Net interest margin | 3.3267% | 4,483 |
| Noninterest income to average assets | 0.3103% | 4,903 |
| Noninterest expense to average assets | 3.1495% | 2,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2256% | 5,713 |
| Return on assets (ROA) | 0.2256% | 5,777 |
| Pretax return on assets | 0.2820% | 5,737 |
| Return on Equity (ROE) | 2.0813% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.0813% | 4,740 |
| Net charge-offs to loans | -0.0166% | 5,664 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7808% | 722 |
| Assets per employee ($millions) | 3.5268% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 3,359 |
| Loan loss allowance to noncurrent loans | 40,100.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 6,091 |
| Noncurrent loans to loans | 0.0033% | 5,917 |
| Net loans and leases to total assets | 65.8357% | 2,909 |
| Net loans and leases to deposits | 95.0080% | 991 |
| Net loans and leases to core deposits | 100.0862% | 1,390 |
| Total domestic deposits to total assets | 69.2949% | 6,223 |
| Equity capital to assets | 10.1769% | 3,885 |
| Core capital (leverage) ratio | 10.1769% | 3,338 |
| Tier 1 risk-based capital ratio | 20.2509% | 1,548 |
| Total risk-based capital ratio | 21.5051% | 1,516 |
| Memoranda: | ||
| Average total assets | $42,546,200 | 5,968 |
| Average earning assets | $39,919,800 | 5,920 |
| Average equity | $4,612,600 | 5,956 |
| Average total loans | $30,076,200 | 5,560 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 3,374 |
| Cost of funding earning assets | 0.7333% | 974 |
| Net interest margin | 3.3666% | 4,370 |
| Noninterest income to average assets | 0.3228% | 4,854 |
| Noninterest expense to average assets | 3.2341% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1981% | 5,850 |
| Return on assets (ROA) | 0.1981% | 5,901 |
| Pretax return on assets | 0.2429% | 5,880 |
| Return on Equity (ROE) | 1.7972% | 5,883 |
| Retained earnings to average equity (ytd only) | 1.7972% | 5,154 |
| Net charge-offs to loans | -0.0356% | 5,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0147% | 645 |
| Assets per employee ($millions) | 3.4178% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 3,457 |
| Loan loss allowance to noncurrent loans | 3,107.6923% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 6,052 |
| Noncurrent loans to loans | 0.0431% | 5,838 |
| Net loans and leases to total assets | 67.0298% | 2,681 |
| Net loans and leases to deposits | 90.9263% | 1,337 |
| Net loans and leases to core deposits | 95.5041% | 1,716 |
| Total domestic deposits to total assets | 73.7188% | 6,039 |
| Equity capital to assets | 10.4252% | 3,650 |
| Core capital (leverage) ratio | 10.4252% | 3,128 |
| Tier 1 risk-based capital ratio | 20.5529% | 1,538 |
| Total risk-based capital ratio | 21.8086% | 1,503 |
| Memoranda: | ||
| Average total assets | $41,720,500 | 6,061 |
| Average earning assets | $39,089,250 | 6,017 |
| Average equity | $4,599,250 | 6,021 |
| Average total loans | $29,948,750 | 5,621 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 3,240 |
| Cost of funding earning assets | 0.7017% | 1,185 |
| Net interest margin | 3.4247% | 4,086 |
| Noninterest income to average assets | 0.3283% | 4,787 |
| Noninterest expense to average assets | 3.2829% | 1,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2058% | 5,822 |
| Return on assets (ROA) | 0.2058% | 5,881 |
| Pretax return on assets | 0.2499% | 5,872 |
| Return on Equity (ROE) | 1.8307% | 5,882 |
| Retained earnings to average equity (ytd only) | 1.8307% | 4,972 |
| Net charge-offs to loans | -0.0268% | 5,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9265% | 697 |
| Assets per employee ($millions) | 3.5333% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 3,716 |
| Loan loss allowance to noncurrent loans | 307.6923% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 5,144 |
| Noncurrent loans to loans | 0.4311% | 4,691 |
| Net loans and leases to total assets | 70.1816% | 2,048 |
| Net loans and leases to deposits | 93.8944% | 966 |
| Net loans and leases to core deposits | 99.0118% | 1,368 |
| Total domestic deposits to total assets | 74.7453% | 6,044 |
| Equity capital to assets | 10.8774% | 3,003 |
| Core capital (leverage) ratio | 10.8774% | 2,552 |
| Tier 1 risk-based capital ratio | 20.0906% | 1,667 |
| Total risk-based capital ratio | 21.3452% | 1,636 |
| Memoranda: | ||
| Average total assets | $40,817,000 | 6,147 |
| Average earning assets | $38,193,330 | 6,101 |
| Average equity | $4,588,330 | 6,066 |
| Average total loans | $29,869,670 | 5,663 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 3,277 |
| Cost of funding earning assets | 0.7156% | 1,153 |
| Net interest margin | 3.3859% | 4,189 |
| Noninterest income to average assets | 0.3098% | 4,884 |
| Noninterest expense to average assets | 3.3079% | 1,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1499% | 5,927 |
| Return on assets (ROA) | 0.1499% | 5,961 |
| Pretax return on assets | 0.1699% | 5,977 |
| Return on Equity (ROE) | 1.3110% | 5,975 |
| Retained earnings to average equity (ytd only) | 1.3110% | 5,092 |
| Net charge-offs to loans | -0.0807% | 6,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1149% | 692 |
| Assets per employee ($millions) | 3.3218% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 3,820 |
| Loan loss allowance to noncurrent loans | 228.4091% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 4,810 |
| Noncurrent loans to loans | 0.5934% | 4,382 |
| Net loans and leases to total assets | 73.3982% | 1,370 |
| Net loans and leases to deposits | 92.2820% | 930 |
| Net loans and leases to core deposits | 97.2544% | 1,295 |
| Total domestic deposits to total assets | 79.5369% | 5,588 |
| Equity capital to assets | 11.4997% | 2,245 |
| Core capital (leverage) ratio | 11.4997% | 1,967 |
| Tier 1 risk-based capital ratio | 20.9593% | 1,480 |
| Total risk-based capital ratio | 22.2166% | 1,459 |
| Memoranda: | ||
| Average total assets | $40,025,500 | 6,235 |
| Average earning assets | $37,449,500 | 6,186 |
| Average equity | $4,576,500 | 6,105 |
| Average total loans | $29,726,000 | 5,726 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 3,654 |
| Cost of funding earning assets | 0.7457% | 1,525 |
| Net interest margin | 3.3771% | 4,376 |
| Noninterest income to average assets | 0.3028% | 5,179 |
| Noninterest expense to average assets | 3.2221% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2145% | 5,787 |
| Return on assets (ROA) | 0.2145% | 5,846 |
| Pretax return on assets | 0.2801% | 5,781 |
| Return on Equity (ROE) | 1.8803% | 5,883 |
| Retained earnings to average equity (ytd only) | 1.8803% | 4,899 |
| Net charge-offs to loans | -0.0242% | 6,175 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0029% | 880 |
| Assets per employee ($millions) | 3.6535% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 3,984 |
| Loan loss allowance to noncurrent loans | 344.3478% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 5,396 |
| Noncurrent loans to loans | 0.3860% | 5,041 |
| Net loans and leases to total assets | 73.1444% | 1,497 |
| Net loans and leases to deposits | 90.3464% | 1,201 |
| Net loans and leases to core deposits | 95.5750% | 1,481 |
| Total domestic deposits to total assets | 80.9600% | 5,191 |
| Equity capital to assets | 11.3688% | 2,266 |
| Core capital (leverage) ratio | 11.3688% | 2,054 |
| Tier 1 risk-based capital ratio | 20.6658% | 1,498 |
| Total risk-based capital ratio | 21.9232% | 1,469 |
| Memoranda: | ||
| Average total assets | $39,632,800 | 6,300 |
| Average earning assets | $37,546,800 | 6,233 |
| Average equity | $4,520,600 | 6,199 |
| Average total loans | $28,898,000 | 5,811 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 3,662 |
| Cost of funding earning assets | 0.7632% | 1,522 |
| Net interest margin | 3.3615% | 4,427 |
| Noninterest income to average assets | 0.2903% | 5,372 |
| Noninterest expense to average assets | 3.2308% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1924% | 5,931 |
| Return on assets (ROA) | 0.1924% | 6,008 |
| Pretax return on assets | 0.2566% | 5,961 |
| Return on Equity (ROE) | 1.6857% | 6,031 |
| Retained earnings to average equity (ytd only) | 1.6857% | 5,298 |
| Net charge-offs to loans | -0.0512% | 6,318 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6428% | 812 |
| Assets per employee ($millions) | 3.5892% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 3,965 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 6,468 |
| Noncurrent loans to loans | 0.0138% | 6,322 |
| Net loans and leases to total assets | 72.1664% | 1,576 |
| Net loans and leases to deposits | 84.2859% | 1,843 |
| Net loans and leases to core deposits | 88.3117% | 2,155 |
| Total domestic deposits to total assets | 85.6209% | 3,442 |
| Equity capital to assets | 11.5017% | 2,304 |
| Core capital (leverage) ratio | 11.5017% | 2,039 |
| Tier 1 risk-based capital ratio | 21.6393% | 1,374 |
| Total risk-based capital ratio | 22.8973% | 1,348 |
| Memoranda: | ||
| Average total assets | $39,493,750 | 6,370 |
| Average earning assets | $37,561,750 | 6,310 |
| Average equity | $4,508,500 | 6,282 |
| Average total loans | $28,674,500 | 5,879 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 3,721 |
| Cost of funding earning assets | 0.7679% | 1,602 |
| Net interest margin | 3.3363% | 4,430 |
| Noninterest income to average assets | 0.2684% | 5,535 |
| Noninterest expense to average assets | 3.2305% | 2,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1671% | 5,984 |
| Return on assets (ROA) | 0.1671% | 6,100 |
| Pretax return on assets | 0.2279% | 6,033 |
| Return on Equity (ROE) | 1.4674% | 6,104 |
| Retained earnings to average equity (ytd only) | 1.4674% | 5,287 |
| Net charge-offs to loans | -0.0350% | 6,138 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4114% | 791 |
| Assets per employee ($millions) | 3.6433% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 4,111 |
| Loan loss allowance to noncurrent loans | 397.9798% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 5,745 |
| Noncurrent loans to loans | 0.3479% | 5,423 |
| Net loans and leases to total assets | 70.0195% | 1,877 |
| Net loans and leases to deposits | 81.4165% | 2,126 |
| Net loans and leases to core deposits | 83.8543% | 2,582 |
| Total domestic deposits to total assets | 86.0016% | 3,366 |
| Equity capital to assets | 11.2711% | 2,499 |
| Core capital (leverage) ratio | 11.2711% | 2,110 |
| Tier 1 risk-based capital ratio | 22.2688% | 1,242 |
| Total risk-based capital ratio | 23.5259% | 1,219 |
| Memoranda: | ||
| Average total assets | $39,498,000 | 6,419 |
| Average earning assets | $37,766,000 | 6,353 |
| Average equity | $4,497,670 | 6,332 |
| Average total loans | $28,602,000 | 5,907 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0828% | 3,792 |
| Cost of funding earning assets | 0.7909% | 1,579 |
| Net interest margin | 3.2919% | 4,546 |
| Noninterest income to average assets | 0.2754% | 5,481 |
| Noninterest expense to average assets | 3.3360% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0612% | 6,224 |
| Return on assets (ROA) | 0.0612% | 6,313 |
| Pretax return on assets | 0.0816% | 6,283 |
| Return on Equity (ROE) | 0.5348% | 6,324 |
| Retained earnings to average equity (ytd only) | 0.5348% | 5,615 |
| Net charge-offs to loans | -0.0697% | 6,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6119% | 652 |
| Assets per employee ($millions) | 3.5319% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 4,229 |
| Loan loss allowance to noncurrent loans | 317.7419% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 5,620 |
| Noncurrent loans to loans | 0.4407% | 5,318 |
| Net loans and leases to total assets | 71.4061% | 1,450 |
| Net loans and leases to deposits | 80.9584% | 1,958 |
| Net loans and leases to core deposits | 83.3919% | 2,409 |
| Total domestic deposits to total assets | 88.2011% | 2,195 |
| Equity capital to assets | 11.5595% | 2,361 |
| Core capital (leverage) ratio | 11.5595% | 1,840 |
| Tier 1 risk-based capital ratio | 22.5271% | 1,233 |
| Total risk-based capital ratio | 23.7861% | 1,217 |
| Memoranda: | ||
| Average total assets | $39,209,000 | 6,489 |
| Average earning assets | $37,425,500 | 6,421 |
| Average equity | $4,488,000 | 6,393 |
| Average total loans | $28,675,500 | 5,949 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4647% | 3,551 |
| Cost of funding earning assets | 1.1142% | 859 |
| Net interest margin | 3.3505% | 5,071 |
| Noninterest income to average assets | 0.2660% | 5,555 |
| Noninterest expense to average assets | 3.1740% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2013% | 5,783 |
| Return on assets (ROA) | 0.2013% | 5,959 |
| Pretax return on assets | 0.2759% | 5,866 |
| Return on Equity (ROE) | 1.8224% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.8224% | 4,938 |
| Net charge-offs to loans | 0.1134% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 3.2647% | 3,798 |
| Efficiency ratio | 92.0029% | 920 |
| Assets per employee ($millions) | 3.5970% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 4,488 |
| Loan loss allowance to noncurrent loans | 176.0181% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 5,086 |
| Noncurrent loans to loans | 0.7565% | 4,669 |
| Net loans and leases to total assets | 72.8536% | 1,365 |
| Net loans and leases to deposits | 84.7973% | 1,664 |
| Net loans and leases to core deposits | 87.3648% | 2,156 |
| Total domestic deposits to total assets | 85.9150% | 3,394 |
| Equity capital to assets | 11.3352% | 2,598 |
| Core capital (leverage) ratio | 11.3352% | 1,988 |
| Tier 1 risk-based capital ratio | 21.8408% | 1,293 |
| Total risk-based capital ratio | 23.0972% | 1,260 |
| Memoranda: | ||
| Average total assets | $40,232,800 | 6,493 |
| Average earning assets | $38,233,600 | 6,421 |
| Average equity | $4,444,600 | 6,457 |
| Average total loans | $29,992,600 | 5,948 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 3,562 |
| Cost of funding earning assets | 1.1818% | 751 |
| Net interest margin | 3.3369% | 5,261 |
| Noninterest income to average assets | 0.2673% | 5,641 |
| Noninterest expense to average assets | 3.1452% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2112% | 5,887 |
| Return on assets (ROA) | 0.2112% | 6,060 |
| Pretax return on assets | 0.2904% | 5,976 |
| Return on Equity (ROE) | 1.9242% | 6,042 |
| Retained earnings to average equity (ytd only) | 1.9242% | 5,366 |
| Net charge-offs to loans | 0.2209% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.7599% | 4,388 |
| Efficiency ratio | 91.5466% | 915 |
| Assets per employee ($millions) | 3.9528% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 5,069 |
| Loan loss allowance to noncurrent loans | 171.8894% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 5,299 |
| Noncurrent loans to loans | 0.7241% | 4,984 |
| Net loans and leases to total assets | 74.8735% | 1,126 |
| Net loans and leases to deposits | 87.2112% | 1,454 |
| Net loans and leases to core deposits | 90.6102% | 1,913 |
| Total domestic deposits to total assets | 85.8531% | 3,331 |
| Equity capital to assets | 11.3034% | 2,930 |
| Core capital (leverage) ratio | 11.3034% | 2,135 |
| Tier 1 risk-based capital ratio | 21.1183% | 1,499 |
| Total risk-based capital ratio | 22.3472% | 1,474 |
| Memoranda: | ||
| Average total assets | $40,399,250 | 6,572 |
| Average earning assets | $38,358,500 | 6,495 |
| Average equity | $4,434,500 | 6,531 |
| Average total loans | $30,187,000 | 6,013 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 3,465 |
| Cost of funding earning assets | 1.2225% | 743 |
| Net interest margin | 3.3516% | 5,267 |
| Noninterest income to average assets | 0.2654% | 5,679 |
| Noninterest expense to average assets | 3.1851% | 2,645 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1868% | 5,958 |
| Return on assets (ROA) | 0.1868% | 6,132 |
| Pretax return on assets | 0.2605% | 6,034 |
| Return on Equity (ROE) | 1.7182% | 6,124 |
| Retained earnings to average equity (ytd only) | 1.7182% | 5,332 |
| Net charge-offs to loans | 0.2181% | 3,265 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.6061% | 4,190 |
| Efficiency ratio | 92.4394% | 899 |
| Assets per employee ($millions) | 4.0020% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,858 |
| Loan loss allowance to noncurrent loans | 164.5570% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.5922% | 5,288 |
| Noncurrent loans to loans | 0.7946% | 4,923 |
| Net loans and leases to total assets | 73.5532% | 1,319 |
| Net loans and leases to deposits | 85.2081% | 1,700 |
| Net loans and leases to core deposits | 88.4309% | 2,160 |
| Total domestic deposits to total assets | 86.3218% | 3,181 |
| Equity capital to assets | 11.0995% | 3,015 |
| Core capital (leverage) ratio | 11.0995% | 2,205 |
| Tier 1 risk-based capital ratio | 21.5286% | 1,383 |
| Total risk-based capital ratio | 22.7694% | 1,355 |
| Memoranda: | ||
| Average total assets | $40,689,670 | 6,610 |
| Average earning assets | $38,608,670 | 6,526 |
| Average equity | $4,423,330 | 6,565 |
| Average total loans | $30,259,670 | 6,055 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6643% | 3,192 |
| Cost of funding earning assets | 1.2973% | 640 |
| Net interest margin | 3.3669% | 5,245 |
| Noninterest income to average assets | 0.2730% | 5,686 |
| Noninterest expense to average assets | 3.2176% | 2,545 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1950% | 6,000 |
| Return on assets (ROA) | 0.1950% | 6,148 |
| Pretax return on assets | 0.2438% | 6,097 |
| Return on Equity (ROE) | 1.8124% | 6,130 |
| Retained earnings to average equity (ytd only) | 1.8124% | 5,339 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9577% | 887 |
| Assets per employee ($millions) | 3.7273% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 4,581 |
| Loan loss allowance to noncurrent loans | 282.0000% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 5,972 |
| Noncurrent loans to loans | 0.4987% | 5,675 |
| Net loans and leases to total assets | 72.3366% | 1,341 |
| Net loans and leases to deposits | 83.6096% | 1,714 |
| Net loans and leases to core deposits | 86.0650% | 2,281 |
| Total domestic deposits to total assets | 86.5171% | 3,236 |
| Equity capital to assets | 10.7902% | 3,158 |
| Core capital (leverage) ratio | 10.7902% | 2,449 |
| Tier 1 risk-based capital ratio | 20.9450% | 1,503 |
| Total risk-based capital ratio | 22.2043% | 1,474 |
| Memoranda: | ||
| Average total assets | $41,024,500 | 6,650 |
| Average earning assets | $38,848,500 | 6,569 |
| Average equity | $4,414,000 | 6,604 |
| Average total loans | $30,476,500 | 6,091 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 4,488 |
| Cost of funding earning assets | 1.5884% | 495 |
| Net interest margin | 3.0541% | 6,439 |
| Noninterest income to average assets | 0.4774% | 4,009 |
| Noninterest expense to average assets | 3.1360% | 3,082 |
| Loan and lease loss provision to assets | 0.0097% | 6,414 |
| Net operating income to assets | 0.1745% | 5,661 |
| Return on assets (ROA) | 0.1745% | 5,806 |
| Pretax return on assets | 0.2254% | 5,726 |
| Return on Equity (ROE) | 1.6505% | 5,790 |
| Retained earnings to average equity (ytd only) | 1.6505% | 5,031 |
| Net charge-offs to loans | 0.1986% | 4,550 |
| Credit loss provision to net charge-offs | 6.5574% | 6,031 |
| Earnings coverage of net charge-offs (x) | 1.5902% | 4,578 |
| Efficiency ratio | 93.0266% | 981 |
| Assets per employee ($millions) | 3.7317% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 4,594 |
| Loan loss allowance to noncurrent loans | 327.9070% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 6,191 |
| Noncurrent loans to loans | 0.4179% | 5,879 |
| Net loans and leases to total assets | 74.1772% | 1,244 |
| Net loans and leases to deposits | 87.9013% | 1,391 |
| Net loans and leases to core deposits | 90.4417% | 2,062 |
| Total domestic deposits to total assets | 84.3870% | 4,146 |
| Equity capital to assets | 10.7286% | 3,276 |
| Core capital (leverage) ratio | 10.7286% | 2,497 |
| Tier 1 risk-based capital ratio | 18.8576% | 1,940 |
| Total risk-based capital ratio | 20.1122% | 1,900 |
| Memoranda: | ||
| Average total assets | $41,262,600 | 6,627 |
| Average earning assets | $39,094,800 | 6,565 |
| Average equity | $4,362,400 | 6,638 |
| Average total loans | $30,710,400 | 6,133 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6552% | 4,656 |
| Cost of funding earning assets | 1.6616% | 455 |
| Net interest margin | 2.9936% | 6,596 |
| Noninterest income to average assets | 0.4808% | 4,035 |
| Noninterest expense to average assets | 3.1077% | 3,131 |
| Loan and lease loss provision to assets | 0.0129% | 6,272 |
| Net operating income to assets | 0.1549% | 5,821 |
| Return on assets (ROA) | 0.1549% | 5,941 |
| Pretax return on assets | 0.2033% | 5,888 |
| Return on Equity (ROE) | 1.4706% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.4706% | 5,406 |
| Net charge-offs to loans | 0.2304% | 3,991 |
| Credit loss provision to net charge-offs | 7.5472% | 5,686 |
| Earnings coverage of net charge-offs (x) | 1.2642% | 4,668 |
| Efficiency ratio | 93.4951% | 944 |
| Assets per employee ($millions) | 3.7521% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 4,589 |
| Loan loss allowance to noncurrent loans | 384.8214% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 6,387 |
| Noncurrent loans to loans | 0.3622% | 6,128 |
| Net loans and leases to total assets | 73.8764% | 1,341 |
| Net loans and leases to deposits | 84.9379% | 1,847 |
| Net loans and leases to core deposits | 86.6714% | 2,690 |
| Total domestic deposits to total assets | 86.9770% | 2,672 |
| Equity capital to assets | 10.6123% | 3,557 |
| Core capital (leverage) ratio | 10.6123% | 2,745 |
| Tier 1 risk-based capital ratio | 18.7140% | 2,022 |
| Total risk-based capital ratio | 19.9701% | 1,982 |
| Memoranda: | ||
| Average total assets | $41,316,000 | 6,676 |
| Average earning assets | $39,238,500 | 6,619 |
| Average equity | $4,352,000 | 6,691 |
| Average total loans | $30,670,000 | 6,188 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 4,781 |
| Cost of funding earning assets | 1.6852% | 496 |
| Net interest margin | 2.9579% | 6,682 |
| Noninterest income to average assets | 0.4549% | 4,247 |
| Noninterest expense to average assets | 3.0825% | 3,321 |
| Loan and lease loss provision to assets | 0.0194% | 6,045 |
| Net operating income to assets | 0.1210% | 5,962 |
| Return on assets (ROA) | 0.1210% | 6,050 |
| Pretax return on assets | 0.1645% | 5,994 |
| Return on Equity (ROE) | 1.1514% | 6,047 |
| Retained earnings to average equity (ytd only) | 1.1514% | 5,402 |
| Net charge-offs to loans | 0.2616% | 3,583 |
| Credit loss provision to net charge-offs | 10.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | 0.9500% | 4,591 |
| Efficiency ratio | 94.3704% | 953 |
| Assets per employee ($millions) | 3.8404% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 4,396 |
| Loan loss allowance to noncurrent loans | 148.0000% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.7102% | 5,489 |
| Noncurrent loans to loans | 0.9729% | 5,041 |
| Net loans and leases to total assets | 71.9439% | 1,795 |
| Net loans and leases to deposits | 82.3096% | 2,405 |
| Net loans and leases to core deposits | 83.9349% | 3,223 |
| Total domestic deposits to total assets | 87.4065% | 2,517 |
| Equity capital to assets | 10.3139% | 3,733 |
| Core capital (leverage) ratio | 10.3139% | 2,918 |
| Tier 1 risk-based capital ratio | 18.6380% | 1,952 |
| Total risk-based capital ratio | 19.8956% | 1,918 |
| Memoranda: | ||
| Average total assets | $41,330,330 | 6,739 |
| Average earning assets | $39,284,330 | 6,670 |
| Average equity | $4,342,670 | 6,733 |
| Average total loans | $30,586,000 | 6,252 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7671% | 4,220 |
| Cost of funding earning assets | 1.7260% | 499 |
| Net interest margin | 3.0411% | 6,489 |
| Noninterest income to average assets | 0.4502% | 4,285 |
| Noninterest expense to average assets | 3.2197% | 2,818 |
| Loan and lease loss provision to assets | 0.0391% | 5,506 |
| Net operating income to assets | 0.0685% | 6,179 |
| Return on assets (ROA) | 0.0685% | 6,230 |
| Pretax return on assets | 0.0881% | 6,199 |
| Return on Equity (ROE) | 0.6458% | 6,233 |
| Retained earnings to average equity (ytd only) | 0.6458% | 5,570 |
| Net charge-offs to loans | 0.3939% | 2,507 |
| Credit loss provision to net charge-offs | 13.3333% | 4,352 |
| Earnings coverage of net charge-offs (x) | 0.4333% | 4,297 |
| Efficiency ratio | 96.1988% | 909 |
| Assets per employee ($millions) | 3.7457% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 4,147 |
| Loan loss allowance to noncurrent loans | 1,135.0000% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 6,920 |
| Noncurrent loans to loans | 0.1333% | 6,713 |
| Net loans and leases to total assets | 71.7399% | 1,776 |
| Net loans and leases to deposits | 80.0948% | 2,709 |
| Net loans and leases to core deposits | 81.6682% | 3,500 |
| Total domestic deposits to total assets | 89.5687% | 1,445 |
| Equity capital to assets | 10.5308% | 3,150 |
| Core capital (leverage) ratio | 10.5308% | 2,584 |
| Tier 1 risk-based capital ratio | 19.3593% | 1,724 |
| Total risk-based capital ratio | 20.5907% | 1,697 |
| Memoranda: | ||
| Average total assets | $40,873,500 | 6,804 |
| Average earning assets | $38,933,500 | 6,723 |
| Average equity | $4,335,500 | 6,771 |
| Average total loans | $30,461,000 | 6,316 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9485% | 4,794 |
| Cost of funding earning assets | 2.0206% | 564 |
| Net interest margin | 2.9279% | 6,857 |
| Noninterest income to average assets | 0.4726% | 4,365 |
| Noninterest expense to average assets | 2.9684% | 3,969 |
| Loan and lease loss provision to assets | 0.9173% | 1,782 |
| Net operating income to assets | -0.4228% | 6,335 |
| Return on assets (ROA) | -0.4098% | 6,351 |
| Pretax return on assets | -0.5844% | 6,387 |
| Return on Equity (ROE) | -3.9625% | 6,354 |
| Retained earnings to average equity (ytd only) | -3.9625% | 6,199 |
| Net charge-offs to loans | 0.5434% | 3,433 |
| Credit loss provision to net charge-offs | 226.4368% | 1,306 |
| Earnings coverage of net charge-offs (x) | 0.7759% | 5,350 |
| Efficiency ratio | 90.4255% | 1,291 |
| Assets per employee ($millions) | 3.6858% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 3,757 |
| Loan loss allowance to noncurrent loans | 152.3810% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.7769% | 5,460 |
| Noncurrent loans to loans | 1.0191% | 5,030 |
| Net loans and leases to total assets | 75.0518% | 1,467 |
| Net loans and leases to deposits | 83.9027% | 2,464 |
| Net loans and leases to core deposits | 85.5733% | 3,387 |
| Total domestic deposits to total assets | 89.4510% | 1,411 |
| Equity capital to assets | 10.6847% | 2,973 |
| Core capital (leverage) ratio | 10.6847% | 2,387 |
| Tier 1 risk-based capital ratio | 18.8520% | 1,755 |
| Total risk-based capital ratio | 20.0574% | 1,734 |
| Memoranda: | ||
| Average total assets | $42,953,000 | 6,768 |
| Average earning assets | $41,224,400 | 6,669 |
| Average equity | $4,441,600 | 6,839 |
| Average total loans | $32,018,600 | 6,315 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 5,148 |
| Cost of funding earning assets | 2.0489% | 641 |
| Net interest margin | 2.8774% | 7,041 |
| Noninterest income to average assets | 0.4928% | 4,242 |
| Noninterest expense to average assets | 2.9081% | 4,060 |
| Loan and lease loss provision to assets | 1.1694% | 1,230 |
| Net operating income to assets | -0.6098% | 6,669 |
| Return on assets (ROA) | -0.6031% | 6,713 |
| Pretax return on assets | -0.8112% | 6,743 |
| Return on Equity (ROE) | -5.8774% | 6,708 |
| Retained earnings to average equity (ytd only) | -5.8774% | 6,621 |
| Net charge-offs to loans | 0.6770% | 2,732 |
| Credit loss provision to net charge-offs | 232.9268% | 1,464 |
| Earnings coverage of net charge-offs (x) | 0.6951% | 5,354 |
| Efficiency ratio | 89.2857% | 1,340 |
| Assets per employee ($millions) | 3.8347% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 3,895 |
| Loan loss allowance to noncurrent loans | 197.1193% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 5,995 |
| Noncurrent loans to loans | 0.7686% | 5,672 |
| Net loans and leases to total assets | 73.8111% | 1,841 |
| Net loans and leases to deposits | 84.3196% | 2,651 |
| Net loans and leases to core deposits | 85.9869% | 3,657 |
| Total domestic deposits to total assets | 87.5373% | 2,241 |
| Equity capital to assets | 10.2200% | 3,854 |
| Core capital (leverage) ratio | 10.2200% | 3,020 |
| Tier 1 risk-based capital ratio | 18.9228% | 1,769 |
| Total risk-based capital ratio | 20.1826% | 1,732 |
| Memoranda: | ||
| Average total assets | $43,555,250 | 6,835 |
| Average earning assets | $41,842,500 | 6,730 |
| Average equity | $4,469,000 | 6,921 |
| Average total loans | $32,296,000 | 6,380 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 5,287 |
| Cost of funding earning assets | 2.0910% | 678 |
| Net interest margin | 2.8337% | 7,101 |
| Noninterest income to average assets | 0.4999% | 4,121 |
| Noninterest expense to average assets | 2.9355% | 3,937 |
| Loan and lease loss provision to assets | 0.1091% | 5,819 |
| Net operating income to assets | 0.1297% | 5,786 |
| Return on assets (ROA) | 0.1363% | 5,876 |
| Pretax return on assets | 0.1863% | 5,799 |
| Return on Equity (ROE) | 1.3269% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.3269% | 5,221 |
| Net charge-offs to loans | 0.7564% | 2,352 |
| Credit loss provision to net charge-offs | 19.5122% | 5,858 |
| Earnings coverage of net charge-offs (x) | 0.5122% | 5,216 |
| Efficiency ratio | 91.1142% | 1,256 |
| Assets per employee ($millions) | 3.6793% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5077% | 7,498 |
| Loan loss allowance to noncurrent loans | 60.4478% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6070% | 5,971 |
| Noncurrent loans to loans | 0.8399% | 5,600 |
| Net loans and leases to total assets | 71.9016% | 2,430 |
| Net loans and leases to deposits | 82.2393% | 3,229 |
| Net loans and leases to core deposits | 84.4511% | 4,078 |
| Total domestic deposits to total assets | 87.4298% | 2,303 |
| Equity capital to assets | 10.2781% | 3,676 |
| Core capital (leverage) ratio | 10.2781% | 2,855 |
| Tier 1 risk-based capital ratio | 18.5854% | 1,809 |
| Total risk-based capital ratio | 19.2489% | 1,928 |
| Memoranda: | ||
| Average total assets | $44,013,000 | 6,867 |
| Average earning assets | $42,276,330 | 6,765 |
| Average equity | $4,521,670 | 6,931 |
| Average total loans | $32,523,330 | 6,404 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0047% | 5,004 |
| Cost of funding earning assets | 2.1706% | 649 |
| Net interest margin | 2.8341% | 7,131 |
| Noninterest income to average assets | 0.5188% | 3,902 |
| Noninterest expense to average assets | 3.0039% | 3,671 |
| Loan and lease loss provision to assets | 0.1092% | 5,531 |
| Net operating income to assets | 0.0935% | 6,042 |
| Return on assets (ROA) | 0.1001% | 6,125 |
| Pretax return on assets | 0.1365% | 6,044 |
| Return on Equity (ROE) | 0.9749% | 6,122 |
| Retained earnings to average equity (ytd only) | 0.9749% | 5,425 |
| Net charge-offs to loans | 0.2071% | 3,675 |
| Credit loss provision to net charge-offs | 70.5882% | 4,088 |
| Earnings coverage of net charge-offs (x) | 1.5294% | 3,816 |
| Efficiency ratio | 92.6966% | 1,229 |
| Assets per employee ($millions) | 3.9786% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7791% | 7,177 |
| Loan loss allowance to noncurrent loans | 86.4407% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 5,830 |
| Noncurrent loans to loans | 0.9013% | 5,514 |
| Net loans and leases to total assets | 74.2054% | 1,929 |
| Net loans and leases to deposits | 85.1628% | 2,737 |
| Net loans and leases to core deposits | 87.4657% | 3,687 |
| Total domestic deposits to total assets | 87.1336% | 2,560 |
| Equity capital to assets | 10.3256% | 3,437 |
| Core capital (leverage) ratio | 10.3256% | 2,784 |
| Tier 1 risk-based capital ratio | 18.2926% | 1,876 |
| Total risk-based capital ratio | 19.3248% | 1,898 |
| Memoranda: | ||
| Average total assets | $43,943,500 | 6,955 |
| Average earning assets | $42,200,500 | 6,852 |
| Average equity | $4,513,500 | 6,999 |
| Average total loans | $32,831,000 | 6,467 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5126% | 4,078 |
| Cost of funding earning assets | 2.5963% | 789 |
| Net interest margin | 2.9163% | 6,829 |
| Noninterest income to average assets | 0.5210% | 4,253 |
| Noninterest expense to average assets | 3.0633% | 3,895 |
| Loan and lease loss provision to assets | 0.1436% | 6,206 |
| Net operating income to assets | 0.0870% | 5,247 |
| Return on assets (ROA) | 0.0903% | 5,276 |
| Pretax return on assets | 0.1250% | 5,167 |
| Return on Equity (ROE) | 0.8674% | 5,276 |
| Retained earnings to average equity (ytd only) | 0.8674% | 4,419 |
| Net charge-offs to loans | 0.5445% | 3,611 |
| Credit loss provision to net charge-offs | 34.0659% | 6,874 |
| Earnings coverage of net charge-offs (x) | 0.6264% | 5,470 |
| Efficiency ratio | 92.0668% | 1,564 |
| Assets per employee ($millions) | 4.0111% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 7,158 |
| Loan loss allowance to noncurrent loans | 83.0671% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 5,692 |
| Noncurrent loans to loans | 0.9505% | 5,408 |
| Net loans and leases to total assets | 74.0470% | 2,263 |
| Net loans and leases to deposits | 86.4976% | 2,821 |
| Net loans and leases to core deposits | 115.5310% | 2,367 |
| Total domestic deposits to total assets | 85.6058% | 3,222 |
| Equity capital to assets | 10.2171% | 3,491 |
| Core capital (leverage) ratio | 10.2171% | 2,865 |
| Tier 1 risk-based capital ratio | 17.7992% | 1,948 |
| Total risk-based capital ratio | 18.8258% | 1,968 |
| Memoranda: | ||
| Average total assets | $43,189,400 | 6,986 |
| Average earning assets | $41,559,200 | 6,882 |
| Average equity | $4,496,200 | 7,117 |
| Average total loans | $33,423,800 | 6,433 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6016% | 3,852 |
| Cost of funding earning assets | 2.6573% | 891 |
| Net interest margin | 2.9443% | 6,740 |
| Noninterest income to average assets | 0.5463% | 4,110 |
| Noninterest expense to average assets | 3.0170% | 3,978 |
| Loan and lease loss provision to assets | 0.1552% | 5,797 |
| Net operating income to assets | 0.1521% | 5,313 |
| Return on assets (ROA) | 0.1521% | 5,373 |
| Pretax return on assets | 0.2080% | 5,281 |
| Return on Equity (ROE) | 1.4540% | 5,348 |
| Retained earnings to average equity (ytd only) | 1.4540% | 4,501 |
| Net charge-offs to loans | 0.6518% | 2,729 |
| Credit loss provision to net charge-offs | 30.4878% | 6,507 |
| Earnings coverage of net charge-offs (x) | 0.7134% | 5,324 |
| Efficiency ratio | 89.2562% | 1,756 |
| Assets per employee ($millions) | 3.9749% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 7,133 |
| Loan loss allowance to noncurrent loans | 95.6835% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.6358% | 5,856 |
| Noncurrent loans to loans | 0.8326% | 5,633 |
| Net loans and leases to total assets | 75.7593% | 2,044 |
| Net loans and leases to deposits | 86.3687% | 3,248 |
| Net loans and leases to core deposits | 115.3016% | 2,692 |
| Total domestic deposits to total assets | 87.7161% | 1,792 |
| Equity capital to assets | 10.3330% | 3,691 |
| Core capital (leverage) ratio | 10.3330% | 2,945 |
| Tier 1 risk-based capital ratio | 17.7281% | 2,066 |
| Total risk-based capital ratio | 18.7718% | 2,078 |
| Memoranda: | ||
| Average total assets | $42,956,250 | 7,043 |
| Average earning assets | $41,344,250 | 6,942 |
| Average equity | $4,493,250 | 7,181 |
| Average total loans | $33,547,000 | 6,477 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7096% | 3,483 |
| Cost of funding earning assets | 2.7476% | 910 |
| Net interest margin | 2.9620% | 6,650 |
| Noninterest income to average assets | 0.5386% | 4,117 |
| Noninterest expense to average assets | 3.0023% | 4,075 |
| Loan and lease loss provision to assets | 0.1780% | 5,269 |
| Net operating income to assets | 0.1499% | 5,419 |
| Return on assets (ROA) | 0.1499% | 5,514 |
| Pretax return on assets | 0.2061% | 5,452 |
| Return on Equity (ROE) | 1.4270% | 5,481 |
| Retained earnings to average equity (ytd only) | 1.4270% | 4,532 |
| Net charge-offs to loans | 1.0000% | 1,765 |
| Credit loss provision to net charge-offs | 22.6190% | 6,104 |
| Earnings coverage of net charge-offs (x) | 0.4881% | 5,214 |
| Efficiency ratio | 88.6584% | 1,934 |
| Assets per employee ($millions) | 3.8754% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 7,287 |
| Loan loss allowance to noncurrent loans | 131.5789% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 6,332 |
| Noncurrent loans to loans | 0.5744% | 6,114 |
| Net loans and leases to total assets | 77.0039% | 1,949 |
| Net loans and leases to deposits | 87.9276% | 3,188 |
| Net loans and leases to core deposits | 108.4691% | 3,558 |
| Total domestic deposits to total assets | 87.5765% | 1,982 |
| Equity capital to assets | 10.5585% | 3,331 |
| Core capital (leverage) ratio | 10.5585% | 2,760 |
| Tier 1 risk-based capital ratio | 17.8074% | 2,068 |
| Total risk-based capital ratio | 18.7965% | 2,092 |
| Memoranda: | ||
| Average total assets | $42,700,330 | 7,104 |
| Average earning assets | $41,054,000 | 7,012 |
| Average equity | $4,485,000 | 7,242 |
| Average total loans | $33,599,000 | 6,529 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8371% | 3,107 |
| Cost of funding earning assets | 2.7968% | 992 |
| Net interest margin | 3.0404% | 6,371 |
| Noninterest income to average assets | 0.4493% | 4,777 |
| Noninterest expense to average assets | 3.0045% | 3,748 |
| Loan and lease loss provision to assets | 0.1591% | 4,898 |
| Net operating income to assets | 0.1498% | 5,822 |
| Return on assets (ROA) | 0.1498% | 5,992 |
| Pretax return on assets | 0.2059% | 5,923 |
| Return on Equity (ROE) | 1.4295% | 6,000 |
| Retained earnings to average equity (ytd only) | 1.4295% | 5,058 |
| Net charge-offs to loans | 1.0868% | 1,251 |
| Credit loss provision to net charge-offs | 18.4783% | 5,089 |
| Earnings coverage of net charge-offs (x) | 0.4239% | 4,649 |
| Efficiency ratio | 89.1667% | 1,792 |
| Assets per employee ($millions) | 3.6258% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 6,669 |
| Loan loss allowance to noncurrent loans | 137.3874% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 5,938 |
| Noncurrent loans to loans | 0.6672% | 5,738 |
| Net loans and leases to total assets | 75.7711% | 2,328 |
| Net loans and leases to deposits | 86.1143% | 3,608 |
| Net loans and leases to core deposits | 106.3930% | 3,863 |
| Total domestic deposits to total assets | 87.9890% | 1,752 |
| Equity capital to assets | 10.3080% | 3,646 |
| Core capital (leverage) ratio | 10.3080% | 3,101 |
| Tier 1 risk-based capital ratio | 16.8406% | 2,388 |
| Total risk-based capital ratio | 17.9859% | 2,361 |
| Memoranda: | ||
| Average total assets | $42,736,000 | 7,142 |
| Average earning assets | $41,047,500 | 7,059 |
| Average equity | $4,477,000 | 7,295 |
| Average total loans | $33,860,500 | 6,548 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0928% | 5,086 |
| Cost of funding earning assets | 3.1256% | 1,433 |
| Net interest margin | 2.9672% | 6,994 |
| Noninterest income to average assets | 0.4374% | 5,145 |
| Noninterest expense to average assets | 3.0077% | 4,056 |
| Loan and lease loss provision to assets | 1.1530% | 1,265 |
| Net operating income to assets | -0.5426% | 6,955 |
| Return on assets (ROA) | -0.5426% | 6,838 |
| Pretax return on assets | -0.8747% | 6,926 |
| Return on Equity (ROE) | -5.0290% | 6,873 |
| Retained earnings to average equity (ytd only) | -5.0290% | 6,521 |
| Net charge-offs to loans | 0.8855% | 1,398 |
| Credit loss provision to net charge-offs | 160.5863% | 3,214 |
| Earnings coverage of net charge-offs (x) | 0.3876% | 6,000 |
| Efficiency ratio | 91.5302% | 1,410 |
| Assets per employee ($millions) | 3.4968% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 5,258 |
| Loan loss allowance to noncurrent loans | 96.2025% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.9413% | 4,470 |
| Noncurrent loans to loans | 1.1467% | 4,253 |
| Net loans and leases to total assets | 81.1877% | 1,392 |
| Net loans and leases to deposits | 92.5132% | 3,049 |
| Net loans and leases to core deposits | 114.8773% | 3,248 |
| Total domestic deposits to total assets | 87.7580% | 1,575 |
| Equity capital to assets | 10.6501% | 3,345 |
| Core capital (leverage) ratio | 10.6501% | 2,859 |
| Tier 1 risk-based capital ratio | 16.5329% | 2,473 |
| Total risk-based capital ratio | 17.7833% | 2,404 |
| Memoranda: | ||
| Average total assets | $42,757,000 | 7,089 |
| Average earning assets | $41,048,200 | 6,993 |
| Average equity | $4,613,200 | 7,298 |
| Average total loans | $34,669,000 | 6,448 |