Home > Carrollton Federal Bank > Performance and Condition Ratios
Carrollton Federal 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 | 4.3717% | 3,328 |
| Cost of funding earning assets | 0.5808% | 4,099 |
| Net interest margin | 3.7908% | 1,576 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.8609% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7392% | 3,082 |
| Return on assets (ROA) | 0.7159% | 3,126 |
| Pretax return on assets | 0.8735% | 3,031 |
| Return on Equity (ROE) | 5.3700% | 3,655 |
| Retained earnings to average equity (ytd only) | 5.3747% | 2,456 |
| Net charge-offs to loans | 0.0041% | 2,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 349.0000% | 385 |
| Efficiency ratio | 76.0302% | 1,242 |
| Assets per employee ($millions) | 3.9302% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 4,004 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.5100% | 2,628 |
| Net loans and leases to deposits | 72.9524% | 2,700 |
| Net loans and leases to core deposits | 77.3440% | 2,892 |
| Total domestic deposits to total assets | 85.6800% | 2,117 |
| Equity capital to assets | 13.9560% | 690 |
| Core capital (leverage) ratio | 15.8351% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $38,694,600 | 4,402 |
| Average earning assets | $35,981,800 | 4,376 |
| Average equity | $5,153,800 | 4,245 |
| Average total loans | $24,660,800 | 4,220 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 3,306 |
| Cost of funding earning assets | 0.4948% | 4,144 |
| Net interest margin | 3.7985% | 1,602 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.8435% | 1,336 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7582% | 3,140 |
| Return on assets (ROA) | 0.7610% | 3,127 |
| Pretax return on assets | 0.9340% | 3,022 |
| Return on Equity (ROE) | 5.7800% | 3,680 |
| Retained earnings to average equity (ytd only) | 5.7844% | 2,693 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.3437% | 1,238 |
| Assets per employee ($millions) | 4.2740% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 3,977 |
| Loan loss allowance to noncurrent loans | 1,763.6364% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 3,520 |
| Noncurrent loans to loans | 0.0454% | 3,432 |
| Net loans and leases to total assets | 62.4500% | 2,606 |
| Net loans and leases to deposits | 72.0862% | 2,703 |
| Net loans and leases to core deposits | 76.4740% | 2,832 |
| Total domestic deposits to total assets | 86.6300% | 2,007 |
| Equity capital to assets | 12.8581% | 843 |
| Core capital (leverage) ratio | 15.7268% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $38,542,750 | 4,421 |
| Average earning assets | $35,837,500 | 4,396 |
| Average equity | $5,071,000 | 4,269 |
| Average total loans | $24,636,250 | 4,238 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 3,287 |
| Cost of funding earning assets | 0.4071% | 4,154 |
| Net interest margin | 3.7979% | 1,633 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.8054% | 1,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7634% | 3,179 |
| Return on assets (ROA) | 0.7675% | 3,186 |
| Pretax return on assets | 0.9697% | 2,995 |
| Return on Equity (ROE) | 5.7900% | 3,735 |
| Retained earnings to average equity (ytd only) | 5.7895% | 2,699 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.4154% | 1,308 |
| Assets per employee ($millions) | 4.2668% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 4,011 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 62.2900% | 2,551 |
| Net loans and leases to deposits | 72.1860% | 2,638 |
| Net loans and leases to core deposits | 77.3042% | 2,669 |
| Total domestic deposits to total assets | 86.2900% | 2,149 |
| Equity capital to assets | 13.3825% | 735 |
| Core capital (leverage) ratio | 15.4945% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $38,568,333 | 4,447 |
| Average earning assets | $35,862,000 | 4,421 |
| Average equity | $5,112,667 | 4,283 |
| Average total loans | $24,776,333 | 4,249 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 3,232 |
| Cost of funding earning assets | 0.3120% | 4,163 |
| Net interest margin | 3.7998% | 1,689 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.8149% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7762% | 3,272 |
| Return on assets (ROA) | 0.7762% | 3,228 |
| Pretax return on assets | 0.9521% | 3,117 |
| Return on Equity (ROE) | 5.8800% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.8829% | 2,793 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.7253% | 1,274 |
| Assets per employee ($millions) | 4.2927% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7687% | 4,139 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 64.8200% | 2,169 |
| Net loans and leases to deposits | 75.0390% | 2,209 |
| Net loans and leases to core deposits | 80.3195% | 2,233 |
| Total domestic deposits to total assets | 86.3800% | 2,485 |
| Equity capital to assets | 13.4156% | 681 |
| Core capital (leverage) ratio | 15.4158% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $38,652,000 | 4,514 |
| Average earning assets | $35,897,000 | 4,487 |
| Average equity | $5,099,500 | 4,342 |
| Average total loans | $25,107,000 | 4,304 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 2,092 |
| Cost of funding earning assets | 0.2545% | 3,286 |
| Net interest margin | 3.6066% | 1,627 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.7558% | 1,425 |
| Loan and lease loss provision to assets | -0.2300% | 4,642 |
| Net operating income to assets | 0.8621% | 3,109 |
| Return on assets (ROA) | 0.6528% | 3,701 |
| Pretax return on assets | 0.8204% | 3,573 |
| Return on Equity (ROE) | 5.0800% | 4,008 |
| Retained earnings to average equity (ytd only) | 5.0827% | 3,012 |
| Net charge-offs to loans | -0.0353% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.3547% | 974 |
| Assets per employee ($millions) | 3.8670% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 4,082 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 64.0900% | 2,235 |
| Net loans and leases to deposits | 73.7136% | 2,278 |
| Net loans and leases to core deposits | 78.7218% | 2,226 |
| Total domestic deposits to total assets | 86.9500% | 2,405 |
| Equity capital to assets | 12.9713% | 712 |
| Core capital (leverage) ratio | 15.2053% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $39,371,200 | 4,534 |
| Average earning assets | $36,544,200 | 4,511 |
| Average equity | $5,056,400 | 4,422 |
| Average total loans | $25,531,200 | 4,315 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 1,804 |
| Cost of funding earning assets | 0.2542% | 2,661 |
| Net interest margin | 3.5292% | 1,577 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.6904% | 1,493 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.6507% | 3,694 |
| Return on assets (ROA) | 0.6507% | 3,650 |
| Pretax return on assets | 0.8159% | 3,540 |
| Return on Equity (ROE) | 5.0800% | 3,965 |
| Retained earnings to average equity (ytd only) | 5.0790% | 3,071 |
| Net charge-offs to loans | -0.0467% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.8555% | 1,092 |
| Assets per employee ($millions) | 3.8698% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 2,757 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 65.5000% | 1,935 |
| Net loans and leases to deposits | 74.8671% | 1,969 |
| Net loans and leases to core deposits | 79.9136% | 1,909 |
| Total domestic deposits to total assets | 87.4900% | 2,597 |
| Equity capital to assets | 12.2073% | 839 |
| Core capital (leverage) ratio | 14.6465% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $39,546,500 | 4,567 |
| Average earning assets | $36,721,250 | 4,541 |
| Average equity | $5,066,500 | 4,461 |
| Average total loans | $25,669,500 | 4,344 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4979% | 2,151 |
| Cost of funding earning assets | 0.2487% | 2,290 |
| Net interest margin | 3.2492% | 2,055 |
| Noninterest income to average assets | 0.2611% | 3,612 |
| Noninterest expense to average assets | 2.6262% | 1,563 |
| Loan and lease loss provision to assets | 0.0502% | 1,680 |
| Net operating income to assets | 0.4821% | 3,944 |
| Return on assets (ROA) | 0.4821% | 3,893 |
| Pretax return on assets | 0.6026% | 3,814 |
| Return on Equity (ROE) | 3.7061% | 4,093 |
| Retained earnings to average equity (ytd only) | 3.7061% | 3,201 |
| Net charge-offs to loans | 0.2804% | 246 |
| Credit loss provision to net charge-offs | 27.7778% | 1,574 |
| Earnings coverage of net charge-offs (x) | 3.6111% | 1,988 |
| Efficiency ratio | 80.0919% | 939 |
| Assets per employee ($millions) | 3.9294% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 3,833 |
| Loan loss allowance to noncurrent loans | 89.9281% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7075% | 760 |
| Noncurrent loans to loans | 1.0450% | 794 |
| Net loans and leases to total assets | 67.0688% | 1,572 |
| Net loans and leases to deposits | 77.9750% | 1,543 |
| Net loans and leases to core deposits | 83.2354% | 1,502 |
| Total domestic deposits to total assets | 86.0131% | 3,243 |
| Equity capital to assets | 12.4879% | 763 |
| Core capital (leverage) ratio | 14.0971% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,829,333 | 4,611 |
| Average earning assets | $36,993,667 | 4,599 |
| Average equity | $5,180,667 | 4,504 |
| Average total loans | $25,678,000 | 4,400 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3564% | 2,222 |
| Cost of funding earning assets | 0.2466% | 2,195 |
| Net interest margin | 3.1098% | 2,141 |
| Noninterest income to average assets | 0.2793% | 3,466 |
| Noninterest expense to average assets | 2.6236% | 1,543 |
| Loan and lease loss provision to assets | 0.0399% | 1,641 |
| Net operating income to assets | 0.4090% | 3,934 |
| Return on assets (ROA) | 0.4090% | 3,898 |
| Pretax return on assets | 0.5088% | 3,857 |
| Return on Equity (ROE) | 3.0842% | 4,069 |
| Retained earnings to average equity (ytd only) | 3.0842% | 3,229 |
| Net charge-offs to loans | 0.5552% | 125 |
| Credit loss provision to net charge-offs | 11.4286% | 1,314 |
| Earnings coverage of net charge-offs (x) | 1.5714% | 1,734 |
| Efficiency ratio | 82.7044% | 937 |
| Assets per employee ($millions) | 4.0304% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 3,911 |
| Loan loss allowance to noncurrent loans | 86.8794% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 811 |
| Noncurrent loans to loans | 1.0898% | 821 |
| Net loans and leases to total assets | 63.5967% | 1,668 |
| Net loans and leases to deposits | 73.0277% | 1,689 |
| Net loans and leases to core deposits | 77.7599% | 1,634 |
| Total domestic deposits to total assets | 87.0856% | 2,897 |
| Equity capital to assets | 12.7680% | 745 |
| Core capital (leverage) ratio | 14.0591% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,097,000 | 4,634 |
| Average earning assets | $37,301,500 | 4,620 |
| Average equity | $5,317,500 | 4,536 |
| Average total loans | $25,215,000 | 4,423 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8654% | 1,717 |
| Cost of funding earning assets | 0.3054% | 2,357 |
| Net interest margin | 3.5600% | 1,578 |
| Noninterest income to average assets | 0.2468% | 3,898 |
| Noninterest expense to average assets | 2.7647% | 1,441 |
| Loan and lease loss provision to assets | 0.0371% | 2,300 |
| Net operating income to assets | 0.4192% | 4,245 |
| Return on assets (ROA) | 0.4192% | 4,283 |
| Pretax return on assets | 0.5068% | 4,247 |
| Return on Equity (ROE) | 2.8990% | 4,376 |
| Retained earnings to average equity (ytd only) | 2.8990% | 3,677 |
| Net charge-offs to loans | 0.0082% | 2,275 |
| Credit loss provision to net charge-offs | 700.0000% | 660 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 869 |
| Efficiency ratio | 83.5605% | 597 |
| Assets per employee ($millions) | 3.9890% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 3,258 |
| Loan loss allowance to noncurrent loans | 66.3462% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.0429% | 514 |
| Noncurrent loans to loans | 1.6943% | 504 |
| Net loans and leases to total assets | 60.8599% | 2,074 |
| Net loans and leases to deposits | 70.6178% | 2,059 |
| Net loans and leases to core deposits | 74.5952% | 2,029 |
| Total domestic deposits to total assets | 86.1820% | 2,842 |
| Equity capital to assets | 13.7603% | 715 |
| Core capital (leverage) ratio | 13.9984% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,689,200 | 4,685 |
| Average earning assets | $32,416,000 | 4,696 |
| Average equity | $5,450,200 | 4,584 |
| Average total loans | $24,499,400 | 4,486 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0261% | 1,476 |
| Cost of funding earning assets | 0.3202% | 2,403 |
| Net interest margin | 3.7059% | 1,317 |
| Noninterest income to average assets | 0.2441% | 3,932 |
| Noninterest expense to average assets | 2.7715% | 1,404 |
| Loan and lease loss provision to assets | 0.0512% | 1,970 |
| Net operating income to assets | 0.4523% | 4,292 |
| Return on assets (ROA) | 0.4523% | 4,324 |
| Pretax return on assets | 0.5385% | 4,315 |
| Return on Equity (ROE) | 3.0879% | 4,453 |
| Retained earnings to average equity (ytd only) | 3.0879% | 3,879 |
| Net charge-offs to loans | 0.0109% | 1,922 |
| Credit loss provision to net charge-offs | 700.0000% | 639 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 974 |
| Efficiency ratio | 82.4786% | 610 |
| Assets per employee ($millions) | 3.9098% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 3,195 |
| Loan loss allowance to noncurrent loans | 66.3462% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.0640% | 599 |
| Noncurrent loans to loans | 1.7370% | 574 |
| Net loans and leases to total assets | 60.5504% | 2,189 |
| Net loans and leases to deposits | 70.6708% | 2,171 |
| Net loans and leases to core deposits | 75.6962% | 2,082 |
| Total domestic deposits to total assets | 85.6796% | 2,879 |
| Equity capital to assets | 14.0263% | 735 |
| Core capital (leverage) ratio | 14.3096% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,139,000 | 4,758 |
| Average earning assets | $31,228,500 | 4,777 |
| Average equity | $5,440,500 | 4,655 |
| Average total loans | $24,486,000 | 4,547 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 1,015 |
| Cost of funding earning assets | 0.3386% | 2,418 |
| Net interest margin | 3.9544% | 881 |
| Noninterest income to average assets | 0.2412% | 3,957 |
| Noninterest expense to average assets | 2.7901% | 1,378 |
| Loan and lease loss provision to assets | 0.0658% | 1,729 |
| Net operating income to assets | 0.4769% | 4,265 |
| Return on assets (ROA) | 0.4769% | 4,307 |
| Pretax return on assets | 0.5865% | 4,256 |
| Return on Equity (ROE) | 3.2068% | 4,443 |
| Retained earnings to average equity (ytd only) | 3.2068% | 3,775 |
| Net charge-offs to loans | 0.0081% | 1,837 |
| Credit loss provision to net charge-offs | 1,200.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 672 |
| Efficiency ratio | 81.0510% | 723 |
| Assets per employee ($millions) | 3.7449% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 3,255 |
| Loan loss allowance to noncurrent loans | 91.0596% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.8064% | 997 |
| Noncurrent loans to loans | 1.2490% | 954 |
| Net loans and leases to total assets | 63.8335% | 1,967 |
| Net loans and leases to deposits | 74.9702% | 1,913 |
| Net loans and leases to core deposits | 80.5832% | 1,840 |
| Total domestic deposits to total assets | 85.1451% | 3,037 |
| Equity capital to assets | 14.5932% | 601 |
| Core capital (leverage) ratio | 14.4572% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,486,000 | 4,795 |
| Average earning assets | $29,537,000 | 4,819 |
| Average equity | $5,426,000 | 4,684 |
| Average total loans | $24,664,667 | 4,577 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 968 |
| Cost of funding earning assets | 0.3430% | 2,583 |
| Net interest margin | 4.0068% | 834 |
| Noninterest income to average assets | 0.2222% | 4,050 |
| Noninterest expense to average assets | 2.8996% | 1,158 |
| Loan and lease loss provision to assets | 0.0667% | 1,815 |
| Net operating income to assets | 0.3777% | 4,399 |
| Return on assets (ROA) | 0.3777% | 4,426 |
| Pretax return on assets | 0.4999% | 4,351 |
| Return on Equity (ROE) | 2.5155% | 4,549 |
| Retained earnings to average equity (ytd only) | 2.5155% | 3,912 |
| Net charge-offs to loans | 0.0161% | 1,422 |
| Credit loss provision to net charge-offs | 600.0000% | 549 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 889 |
| Efficiency ratio | 83.6538% | 615 |
| Assets per employee ($millions) | 3.7306% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 3,492 |
| Loan loss allowance to noncurrent loans | 83.5404% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 1,021 |
| Noncurrent loans to loans | 1.3029% | 997 |
| Net loans and leases to total assets | 65.5257% | 1,860 |
| Net loans and leases to deposits | 76.9098% | 1,811 |
| Net loans and leases to core deposits | 81.4372% | 1,881 |
| Total domestic deposits to total assets | 85.1981% | 3,028 |
| Equity capital to assets | 14.5070% | 568 |
| Core capital (leverage) ratio | 15.2215% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,004,500 | 4,820 |
| Average earning assets | $29,150,500 | 4,848 |
| Average equity | $5,406,500 | 4,699 |
| Average total loans | $24,907,000 | 4,596 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6561% | 975 |
| Cost of funding earning assets | 0.4214% | 3,450 |
| Net interest margin | 4.2348% | 586 |
| Noninterest income to average assets | 0.7997% | 1,531 |
| Noninterest expense to average assets | 3.8378% | 437 |
| Loan and lease loss provision to assets | 0.0892% | 3,244 |
| Net operating income to assets | 0.4043% | 4,235 |
| Return on assets (ROA) | 0.4043% | 4,321 |
| Pretax return on assets | 0.4875% | 4,291 |
| Return on Equity (ROE) | 2.5488% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.5488% | 3,573 |
| Net charge-offs to loans | -0.0040% | 4,083 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9360% | 491 |
| Assets per employee ($millions) | 3.1548% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,681 |
| Loan loss allowance to noncurrent loans | 80.9816% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.9394% | 1,028 |
| Noncurrent loans to loans | 1.2988% | 1,050 |
| Net loans and leases to total assets | 71.5673% | 1,352 |
| Net loans and leases to deposits | 85.0461% | 1,347 |
| Net loans and leases to core deposits | 90.5267% | 1,490 |
| Total domestic deposits to total assets | 84.1512% | 3,066 |
| Equity capital to assets | 15.5635% | 478 |
| Core capital (leverage) ratio | 15.4990% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,638,800 | 4,844 |
| Average earning assets | $28,714,800 | 4,857 |
| Average equity | $5,335,800 | 4,713 |
| Average total loans | $24,836,000 | 4,619 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6771% | 1,113 |
| Cost of funding earning assets | 0.4417% | 3,579 |
| Net interest margin | 4.2354% | 682 |
| Noninterest income to average assets | 0.9748% | 1,069 |
| Noninterest expense to average assets | 3.6716% | 561 |
| Loan and lease loss provision to assets | 0.0959% | 3,122 |
| Net operating income to assets | 0.6912% | 3,489 |
| Return on assets (ROA) | 0.6912% | 3,588 |
| Pretax return on assets | 0.8470% | 3,524 |
| Return on Equity (ROE) | 4.3361% | 4,086 |
| Retained earnings to average equity (ytd only) | 4.3361% | 2,877 |
| Net charge-offs to loans | -0.0054% | 4,069 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5671% | 896 |
| Assets per employee ($millions) | 3.0864% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,592 |
| Loan loss allowance to noncurrent loans | 59.1743% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.2842% | 744 |
| Noncurrent loans to loans | 1.7318% | 779 |
| Net loans and leases to total assets | 73.3962% | 1,443 |
| Net loans and leases to deposits | 87.9128% | 1,494 |
| Net loans and leases to core deposits | 92.3915% | 1,759 |
| Total domestic deposits to total assets | 83.4875% | 2,993 |
| Equity capital to assets | 15.9971% | 466 |
| Core capital (leverage) ratio | 16.1943% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,372,750 | 4,874 |
| Average earning assets | $28,678,250 | 4,883 |
| Average equity | $5,319,500 | 4,739 |
| Average total loans | $24,770,000 | 4,650 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6814% | 1,447 |
| Cost of funding earning assets | 0.4548% | 3,769 |
| Net interest margin | 4.2266% | 861 |
| Noninterest income to average assets | 1.1332% | 777 |
| Noninterest expense to average assets | 3.6287% | 626 |
| Loan and lease loss provision to assets | 0.1085% | 2,922 |
| Net operating income to assets | 0.8378% | 2,908 |
| Return on assets (ROA) | 0.8378% | 3,028 |
| Pretax return on assets | 1.0368% | 2,909 |
| Return on Equity (ROE) | 5.2628% | 3,755 |
| Retained earnings to average equity (ytd only) | 5.2628% | 2,359 |
| Net charge-offs to loans | -0.0244% | 4,471 |
| Credit loss provision to net charge-offs | -600.0000% | 3,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0101% | 1,263 |
| Assets per employee ($millions) | 3.4068% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,464 |
| Loan loss allowance to noncurrent loans | 76.9697% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.9687% | 1,243 |
| Noncurrent loans to loans | 1.3265% | 1,165 |
| Net loans and leases to total assets | 72.2760% | 1,658 |
| Net loans and leases to deposits | 87.8953% | 1,570 |
| Net loans and leases to core deposits | 92.4287% | 1,870 |
| Total domestic deposits to total assets | 82.2297% | 3,307 |
| Equity capital to assets | 15.8389% | 485 |
| Core capital (leverage) ratio | 15.9563% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,180,333 | 4,902 |
| Average earning assets | $28,581,000 | 4,910 |
| Average equity | $5,282,333 | 4,768 |
| Average total loans | $24,634,667 | 4,672 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 1,672 |
| Cost of funding earning assets | 0.4911% | 3,980 |
| Net interest margin | 4.2231% | 879 |
| Noninterest income to average assets | 0.7087% | 1,623 |
| Noninterest expense to average assets | 3.5312% | 890 |
| Loan and lease loss provision to assets | 0.1466% | 1,933 |
| Net operating income to assets | 0.5865% | 3,639 |
| Return on assets (ROA) | 0.5865% | 3,699 |
| Pretax return on assets | 0.7087% | 3,659 |
| Return on Equity (ROE) | 3.6743% | 4,046 |
| Retained earnings to average equity (ytd only) | 3.6743% | 2,815 |
| Net charge-offs to loans | -0.0490% | 4,631 |
| Credit loss provision to net charge-offs | -400.0000% | 3,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5014% | 1,092 |
| Assets per employee ($millions) | 3.3449% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 3,625 |
| Loan loss allowance to noncurrent loans | 75.3799% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.9836% | 1,347 |
| Noncurrent loans to loans | 1.3466% | 1,199 |
| Net loans and leases to total assets | 72.3011% | 1,872 |
| Net loans and leases to deposits | 90.9070% | 1,414 |
| Net loans and leases to core deposits | 95.8465% | 1,805 |
| Total domestic deposits to total assets | 79.5330% | 3,947 |
| Equity capital to assets | 15.5819% | 656 |
| Core capital (leverage) ratio | 16.2945% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,736,500 | 4,944 |
| Average earning assets | $28,510,000 | 4,952 |
| Average equity | $5,225,500 | 4,812 |
| Average total loans | $24,513,500 | 4,709 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 2,225 |
| Cost of funding earning assets | 0.4689% | 4,207 |
| Net interest margin | 4.2658% | 1,171 |
| Noninterest income to average assets | 0.7167% | 1,755 |
| Noninterest expense to average assets | 3.8215% | 651 |
| Loan and lease loss provision to assets | 0.2066% | 977 |
| Net operating income to assets | 0.3787% | 4,634 |
| Return on assets (ROA) | 0.3787% | 4,664 |
| Pretax return on assets | 0.4757% | 4,613 |
| Return on Equity (ROE) | 2.3355% | 4,764 |
| Retained earnings to average equity (ytd only) | 2.3355% | 3,856 |
| Net charge-offs to loans | 0.2014% | 1,014 |
| Credit loss provision to net charge-offs | 134.6939% | 1,900 |
| Earnings coverage of net charge-offs (x) | 4.4490% | 3,215 |
| Efficiency ratio | 84.8506% | 611 |
| Assets per employee ($millions) | 2.9113% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 3,755 |
| Loan loss allowance to noncurrent loans | 70.6061% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.0305% | 1,209 |
| Noncurrent loans to loans | 1.3417% | 1,113 |
| Net loans and leases to total assets | 76.0742% | 1,400 |
| Net loans and leases to deposits | 98.1903% | 746 |
| Net loans and leases to core deposits | 103.9334% | 1,232 |
| Total domestic deposits to total assets | 77.4763% | 4,435 |
| Equity capital to assets | 16.3596% | 543 |
| Core capital (leverage) ratio | 16.2754% | 489 |
| Tier 1 risk-based capital ratio | 26.9777% | 617 |
| Total risk-based capital ratio | 28.1817% | 607 |
| Memoranda: | ||
| Average total assets | $31,950,600 | 5,004 |
| Average earning assets | $28,365,400 | 5,005 |
| Average equity | $5,180,800 | 4,860 |
| Average total loans | $24,330,800 | 4,773 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 2,071 |
| Cost of funding earning assets | 0.4566% | 4,309 |
| Net interest margin | 4.3586% | 1,038 |
| Noninterest income to average assets | 0.7223% | 1,690 |
| Noninterest expense to average assets | 3.7704% | 684 |
| Loan and lease loss provision to assets | 0.0877% | 2,162 |
| Net operating income to assets | 0.5762% | 4,358 |
| Return on assets (ROA) | 0.5762% | 4,403 |
| Pretax return on assets | 0.7307% | 4,278 |
| Return on Equity (ROE) | 3.5616% | 4,662 |
| Retained earnings to average equity (ytd only) | 3.5616% | 3,623 |
| Net charge-offs to loans | -0.0165% | 4,532 |
| Credit loss provision to net charge-offs | -700.0000% | 4,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1656% | 749 |
| Assets per employee ($millions) | 3.2086% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 3,689 |
| Loan loss allowance to noncurrent loans | 58.2524% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.2840% | 951 |
| Noncurrent loans to loans | 1.6793% | 869 |
| Net loans and leases to total assets | 75.7153% | 1,530 |
| Net loans and leases to deposits | 96.4890% | 958 |
| Net loans and leases to core deposits | 102.0370% | 1,496 |
| Total domestic deposits to total assets | 78.4704% | 4,273 |
| Equity capital to assets | 16.3810% | 574 |
| Core capital (leverage) ratio | 16.2555% | 526 |
| Tier 1 risk-based capital ratio | 27.8321% | 585 |
| Total risk-based capital ratio | 29.0808% | 570 |
| Memoranda: | ||
| Average total assets | $31,932,250 | 5,082 |
| Average earning assets | $28,326,250 | 5,081 |
| Average equity | $5,166,250 | 4,928 |
| Average total loans | $24,264,750 | 4,842 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 2,138 |
| Cost of funding earning assets | 0.4316% | 4,391 |
| Net interest margin | 4.3442% | 1,056 |
| Noninterest income to average assets | 0.7152% | 1,656 |
| Noninterest expense to average assets | 3.7640% | 692 |
| Loan and lease loss provision to assets | 0.1317% | 1,420 |
| Net operating income to assets | 0.5144% | 4,501 |
| Return on assets (ROA) | 0.5144% | 4,532 |
| Pretax return on assets | 0.6712% | 4,400 |
| Return on Equity (ROE) | 3.1929% | 4,753 |
| Retained earnings to average equity (ytd only) | 3.1929% | 3,629 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4176% | 775 |
| Assets per employee ($millions) | 2.8955% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,747 |
| Loan loss allowance to noncurrent loans | 80.6122% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.9230% | 1,504 |
| Noncurrent loans to loans | 1.2149% | 1,317 |
| Net loans and leases to total assets | 75.2347% | 1,682 |
| Net loans and leases to deposits | 93.2630% | 1,344 |
| Net loans and leases to core deposits | 98.5078% | 1,849 |
| Total domestic deposits to total assets | 80.6694% | 3,899 |
| Equity capital to assets | 16.3009% | 566 |
| Core capital (leverage) ratio | 16.2160% | 525 |
| Tier 1 risk-based capital ratio | 27.5248% | 587 |
| Total risk-based capital ratio | 28.7733% | 573 |
| Memoranda: | ||
| Average total assets | $31,881,000 | 5,124 |
| Average earning assets | $28,267,670 | 5,126 |
| Average equity | $5,136,330 | 4,967 |
| Average total loans | $24,175,000 | 4,882 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 2,012 |
| Cost of funding earning assets | 0.4101% | 4,442 |
| Net interest margin | 4.3555% | 997 |
| Noninterest income to average assets | 0.6897% | 1,648 |
| Noninterest expense to average assets | 3.8124% | 649 |
| Loan and lease loss provision to assets | 0.0752% | 2,176 |
| Net operating income to assets | 0.5142% | 4,480 |
| Return on assets (ROA) | 0.5142% | 4,501 |
| Pretax return on assets | 0.6647% | 4,386 |
| Return on Equity (ROE) | 3.2103% | 4,739 |
| Retained earnings to average equity (ytd only) | 3.2103% | 3,646 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7466% | 728 |
| Assets per employee ($millions) | 2.8908% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 4,085 |
| Loan loss allowance to noncurrent loans | 75.7679% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.9214% | 1,520 |
| Noncurrent loans to loans | 1.2124% | 1,358 |
| Net loans and leases to total assets | 75.3011% | 1,595 |
| Net loans and leases to deposits | 90.1340% | 1,610 |
| Net loans and leases to core deposits | 95.0161% | 2,026 |
| Total domestic deposits to total assets | 83.5435% | 3,206 |
| Equity capital to assets | 16.1483% | 549 |
| Core capital (leverage) ratio | 15.9876% | 534 |
| Tier 1 risk-based capital ratio | 27.8003% | 576 |
| Total risk-based capital ratio | 29.0010% | 563 |
| Memoranda: | ||
| Average total assets | $31,896,000 | 5,178 |
| Average earning assets | $28,286,000 | 5,181 |
| Average equity | $5,108,500 | 5,014 |
| Average total loans | $24,162,500 | 4,933 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6301% | 2,051 |
| Cost of funding earning assets | 0.3426% | 4,329 |
| Net interest margin | 4.2875% | 1,186 |
| Noninterest income to average assets | 0.6628% | 2,000 |
| Noninterest expense to average assets | 3.9676% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3648% | 4,913 |
| Return on assets (ROA) | 0.3545% | 4,931 |
| Pretax return on assets | 0.4254% | 4,913 |
| Return on Equity (ROE) | 2.2920% | 5,005 |
| Retained earnings to average equity (ytd only) | 2.2920% | 4,236 |
| Net charge-offs to loans | 0.1183% | 1,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 5.0714% | 3,223 |
| Efficiency ratio | 90.0630% | 341 |
| Assets per employee ($millions) | 3.5548% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 4,195 |
| Loan loss allowance to noncurrent loans | 76.0563% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.8877% | 1,572 |
| Noncurrent loans to loans | 1.1756% | 1,372 |
| Net loans and leases to total assets | 74.8351% | 1,796 |
| Net loans and leases to deposits | 91.6826% | 1,589 |
| Net loans and leases to core deposits | 95.3523% | 2,108 |
| Total domestic deposits to total assets | 81.6241% | 3,746 |
| Equity capital to assets | 15.8847% | 551 |
| Core capital (leverage) ratio | 15.8433% | 540 |
| Tier 1 risk-based capital ratio | 27.2718% | 600 |
| Total risk-based capital ratio | 28.4270% | 595 |
| Memoranda: | ||
| Average total assets | $32,437,800 | 5,215 |
| Average earning assets | $28,314,600 | 5,219 |
| Average equity | $5,017,400 | 5,049 |
| Average total loans | $23,669,000 | 4,979 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 2,049 |
| Cost of funding earning assets | 0.3296% | 4,306 |
| Net interest margin | 4.2472% | 1,242 |
| Noninterest income to average assets | 0.6677% | 1,987 |
| Noninterest expense to average assets | 3.9652% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3333% | 5,057 |
| Return on assets (ROA) | 0.3195% | 5,067 |
| Pretax return on assets | 0.3810% | 5,053 |
| Return on Equity (ROE) | 2.0795% | 5,124 |
| Retained earnings to average equity (ytd only) | 2.0795% | 4,557 |
| Net charge-offs to loans | 0.1585% | 1,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.4645% | 3,159 |
| Efficiency ratio | 90.8920% | 302 |
| Assets per employee ($millions) | 3.2031% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 4,186 |
| Loan loss allowance to noncurrent loans | 90.3766% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 1,989 |
| Noncurrent loans to loans | 1.0173% | 1,685 |
| Net loans and leases to total assets | 72.6702% | 2,219 |
| Net loans and leases to deposits | 86.5445% | 2,314 |
| Net loans and leases to core deposits | 89.8934% | 2,668 |
| Total domestic deposits to total assets | 83.9687% | 2,954 |
| Equity capital to assets | 15.7223% | 580 |
| Core capital (leverage) ratio | 15.6212% | 576 |
| Tier 1 risk-based capital ratio | 27.8447% | 578 |
| Total risk-based capital ratio | 29.0326% | 572 |
| Memoranda: | ||
| Average total assets | $32,549,000 | 5,280 |
| Average earning assets | $28,316,250 | 5,284 |
| Average equity | $5,001,250 | 5,111 |
| Average total loans | $23,546,750 | 5,045 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 2,026 |
| Cost of funding earning assets | 0.3396% | 4,134 |
| Net interest margin | 4.1814% | 1,332 |
| Noninterest income to average assets | 0.6723% | 1,994 |
| Noninterest expense to average assets | 3.9057% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3117% | 5,101 |
| Return on assets (ROA) | 0.3117% | 5,099 |
| Pretax return on assets | 0.3790% | 5,072 |
| Return on Equity (ROE) | 2.0442% | 5,169 |
| Retained earnings to average equity (ytd only) | 2.0442% | 4,442 |
| Net charge-offs to loans | 0.2376% | 667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.2143% | 2,992 |
| Efficiency ratio | 91.1555% | 328 |
| Assets per employee ($millions) | 3.2728% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 4,297 |
| Loan loss allowance to noncurrent loans | 144.9664% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 2,911 |
| Noncurrent loans to loans | 0.6275% | 2,541 |
| Net loans and leases to total assets | 71.8956% | 2,293 |
| Net loans and leases to deposits | 85.1272% | 2,420 |
| Net loans and leases to core deposits | 89.3488% | 2,620 |
| Total domestic deposits to total assets | 84.4567% | 2,892 |
| Equity capital to assets | 15.3110% | 628 |
| Core capital (leverage) ratio | 15.5363% | 564 |
| Tier 1 risk-based capital ratio | 26.8204% | 621 |
| Total risk-based capital ratio | 27.9710% | 619 |
| Memoranda: | ||
| Average total assets | $32,721,670 | 5,344 |
| Average earning assets | $28,268,000 | 5,350 |
| Average equity | $4,989,670 | 5,164 |
| Average total loans | $23,564,670 | 5,100 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 2,069 |
| Cost of funding earning assets | 0.3402% | 4,063 |
| Net interest margin | 4.0964% | 1,446 |
| Noninterest income to average assets | 0.6478% | 2,037 |
| Noninterest expense to average assets | 3.9721% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1955% | 5,247 |
| Return on assets (ROA) | 0.1955% | 5,247 |
| Pretax return on assets | 0.2078% | 5,254 |
| Return on Equity (ROE) | 1.2853% | 5,281 |
| Retained earnings to average equity (ytd only) | 1.2853% | 4,550 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0292% | 272 |
| Assets per employee ($millions) | 3.2726% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,779 |
| Loan loss allowance to noncurrent loans | 312.8205% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 3,917 |
| Noncurrent loans to loans | 0.3294% | 3,587 |
| Net loans and leases to total assets | 71.6158% | 2,236 |
| Net loans and leases to deposits | 84.7110% | 2,321 |
| Net loans and leases to core deposits | 88.8977% | 2,555 |
| Total domestic deposits to total assets | 84.5413% | 3,105 |
| Equity capital to assets | 15.2142% | 621 |
| Core capital (leverage) ratio | 15.5536% | 546 |
| Tier 1 risk-based capital ratio | 26.6283% | 634 |
| Total risk-based capital ratio | 27.8799% | 625 |
| Memoranda: | ||
| Average total assets | $32,728,500 | 5,400 |
| Average earning assets | $28,220,000 | 5,412 |
| Average equity | $4,979,500 | 5,224 |
| Average total loans | $23,474,000 | 5,158 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 1,389 |
| Cost of funding earning assets | 0.4222% | 3,035 |
| Net interest margin | 4.1918% | 1,206 |
| Noninterest income to average assets | 0.6354% | 2,272 |
| Noninterest expense to average assets | 3.7235% | 767 |
| Loan and lease loss provision to assets | 0.0296% | 3,683 |
| Net operating income to assets | 0.3872% | 4,735 |
| Return on assets (ROA) | 0.4462% | 4,576 |
| Pretax return on assets | 0.5999% | 4,740 |
| Return on Equity (ROE) | 3.0620% | 4,810 |
| Retained earnings to average equity (ytd only) | 3.0620% | 3,471 |
| Net charge-offs to loans | 0.1170% | 1,874 |
| Credit loss provision to net charge-offs | 34.4828% | 3,496 |
| Earnings coverage of net charge-offs (x) | 6.4138% | 3,184 |
| Efficiency ratio | 87.1369% | 580 |
| Assets per employee ($millions) | 3.2731% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,631 |
| Loan loss allowance to noncurrent loans | 305.0000% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 3,916 |
| Noncurrent loans to loans | 0.3438% | 3,526 |
| Net loans and leases to total assets | 70.3400% | 2,472 |
| Net loans and leases to deposits | 83.0406% | 2,603 |
| Net loans and leases to core deposits | 87.1357% | 2,807 |
| Total domestic deposits to total assets | 84.7056% | 2,944 |
| Equity capital to assets | 15.2149% | 639 |
| Core capital (leverage) ratio | 15.0071% | 618 |
| Tier 1 risk-based capital ratio | 27.1032% | 590 |
| Total risk-based capital ratio | 28.3539% | 582 |
| Memoranda: | ||
| Average total assets | $33,839,400 | 5,432 |
| Average earning assets | $29,367,200 | 5,451 |
| Average equity | $4,931,400 | 5,282 |
| Average total loans | $24,790,200 | 5,163 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 1,265 |
| Cost of funding earning assets | 0.4221% | 2,968 |
| Net interest margin | 4.2209% | 1,102 |
| Noninterest income to average assets | 0.6370% | 2,271 |
| Noninterest expense to average assets | 3.6931% | 772 |
| Loan and lease loss provision to assets | 0.0391% | 3,327 |
| Net operating income to assets | 0.4300% | 4,929 |
| Return on assets (ROA) | 0.5081% | 4,738 |
| Pretax return on assets | 0.6839% | 4,646 |
| Return on Equity (ROE) | 3.5235% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.5235% | 3,811 |
| Net charge-offs to loans | 0.1377% | 1,423 |
| Credit loss provision to net charge-offs | 38.4615% | 3,005 |
| Earnings coverage of net charge-offs (x) | 6.0761% | 3,021 |
| Efficiency ratio | 85.6754% | 648 |
| Assets per employee ($millions) | 3.3432% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 4,170 |
| Loan loss allowance to noncurrent loans | 303.7037% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 4,089 |
| Noncurrent loans to loans | 0.3236% | 3,784 |
| Net loans and leases to total assets | 74.1326% | 1,890 |
| Net loans and leases to deposits | 92.2985% | 1,526 |
| Net loans and leases to core deposits | 96.9944% | 1,983 |
| Total domestic deposits to total assets | 80.3183% | 4,248 |
| Equity capital to assets | 14.8690% | 757 |
| Core capital (leverage) ratio | 14.7537% | 710 |
| Tier 1 risk-based capital ratio | 25.4278% | 709 |
| Total risk-based capital ratio | 26.6779% | 701 |
| Memoranda: | ||
| Average total assets | $34,116,500 | 5,492 |
| Average earning assets | $29,692,750 | 5,503 |
| Average equity | $4,919,250 | 5,343 |
| Average total loans | $25,171,000 | 5,206 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 1,199 |
| Cost of funding earning assets | 0.4307% | 2,799 |
| Net interest margin | 4.1993% | 1,076 |
| Noninterest income to average assets | 0.6347% | 2,292 |
| Noninterest expense to average assets | 3.6221% | 844 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4819% | 4,752 |
| Return on assets (ROA) | 0.5998% | 4,351 |
| Pretax return on assets | 0.8036% | 4,261 |
| Return on Equity (ROE) | 4.2024% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.2024% | 3,206 |
| Net charge-offs to loans | 0.0079% | 3,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 111.0000% | 609 |
| Efficiency ratio | 84.8568% | 777 |
| Assets per employee ($millions) | 3.4095% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,958 |
| Loan loss allowance to noncurrent loans | 970.3704% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 4,881 |
| Noncurrent loans to loans | 0.1062% | 4,702 |
| Net loans and leases to total assets | 73.8114% | 1,905 |
| Net loans and leases to deposits | 91.2969% | 1,571 |
| Net loans and leases to core deposits | 95.8157% | 1,997 |
| Total domestic deposits to total assets | 80.8476% | 4,221 |
| Equity capital to assets | 14.5065% | 822 |
| Core capital (leverage) ratio | 14.5502% | 732 |
| Tier 1 risk-based capital ratio | 24.6196% | 796 |
| Total risk-based capital ratio | 25.8718% | 768 |
| Memoranda: | ||
| Average total assets | $34,344,670 | 5,530 |
| Average earning assets | $29,719,000 | 5,548 |
| Average equity | $4,902,000 | 5,382 |
| Average total loans | $25,218,000 | 5,242 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 1,017 |
| Cost of funding earning assets | 0.4330% | 2,685 |
| Net interest margin | 4.2220% | 943 |
| Noninterest income to average assets | 0.6498% | 2,179 |
| Noninterest expense to average assets | 3.6206% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5106% | 4,554 |
| Return on assets (ROA) | 0.5106% | 4,584 |
| Pretax return on assets | 0.6498% | 4,596 |
| Return on Equity (ROE) | 3.6066% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.6066% | 3,636 |
| Net charge-offs to loans | 0.0159% | 2,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 842 |
| Efficiency ratio | 84.7826% | 905 |
| Assets per employee ($millions) | 3.8452% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 3,981 |
| Loan loss allowance to noncurrent loans | 297.7273% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 4,190 |
| Noncurrent loans to loans | 0.3524% | 3,833 |
| Net loans and leases to total assets | 71.3960% | 2,153 |
| Net loans and leases to deposits | 87.9257% | 1,811 |
| Net loans and leases to core deposits | 92.1803% | 2,142 |
| Total domestic deposits to total assets | 81.2003% | 4,371 |
| Equity capital to assets | 14.1763% | 852 |
| Core capital (leverage) ratio | 14.3826% | 747 |
| Tier 1 risk-based capital ratio | 24.3996% | 829 |
| Total risk-based capital ratio | 25.6504% | 807 |
| Memoranda: | ||
| Average total assets | $34,469,500 | 5,589 |
| Average earning assets | $29,559,500 | 5,615 |
| Average equity | $4,880,000 | 5,440 |
| Average total loans | $25,113,000 | 5,296 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 1,145 |
| Cost of funding earning assets | 0.4217% | 2,794 |
| Net interest margin | 4.2376% | 1,039 |
| Noninterest income to average assets | 0.7039% | 2,156 |
| Noninterest expense to average assets | 3.6977% | 889 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5198% | 4,552 |
| Return on assets (ROA) | 0.5198% | 4,637 |
| Pretax return on assets | 0.7069% | 4,464 |
| Return on Equity (ROE) | 3.6452% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.6452% | 3,326 |
| Net charge-offs to loans | 0.0364% | 3,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 26.4444% | 1,547 |
| Efficiency ratio | 83.9514% | 1,013 |
| Assets per employee ($millions) | 3.8147% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 4,065 |
| Loan loss allowance to noncurrent loans | 298.8636% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 4,278 |
| Noncurrent loans to loans | 0.3484% | 3,882 |
| Net loans and leases to total assets | 72.7980% | 2,041 |
| Net loans and leases to deposits | 91.7612% | 1,485 |
| Net loans and leases to core deposits | 96.3456% | 1,898 |
| Total domestic deposits to total assets | 79.3341% | 4,709 |
| Equity capital to assets | 14.1384% | 847 |
| Core capital (leverage) ratio | 14.9250% | 612 |
| Tier 1 risk-based capital ratio | 24.4672% | 820 |
| Total risk-based capital ratio | 25.7176% | 800 |
| Memoranda: | ||
| Average total assets | $33,669,600 | 5,657 |
| Average earning assets | $29,403,600 | 5,672 |
| Average equity | $4,800,800 | 5,502 |
| Average total loans | $24,721,400 | 5,364 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6652% | 1,148 |
| Cost of funding earning assets | 0.4221% | 2,821 |
| Net interest margin | 4.2432% | 1,041 |
| Noninterest income to average assets | 0.7442% | 1,990 |
| Noninterest expense to average assets | 3.6851% | 870 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5611% | 4,453 |
| Return on assets (ROA) | 0.5611% | 4,557 |
| Pretax return on assets | 0.7800% | 4,370 |
| Return on Equity (ROE) | 3.9269% | 4,929 |
| Retained earnings to average equity (ytd only) | 3.9269% | 3,506 |
| Net charge-offs to loans | 0.0271% | 3,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 39.1799% | 1,263 |
| Efficiency ratio | 82.5312% | 1,126 |
| Assets per employee ($millions) | 3.6866% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 3,878 |
| Loan loss allowance to noncurrent loans | 169.4268% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 3,538 |
| Noncurrent loans to loans | 0.6439% | 3,093 |
| Net loans and leases to total assets | 72.6845% | 2,066 |
| Net loans and leases to deposits | 88.7009% | 1,931 |
| Net loans and leases to core deposits | 91.5461% | 2,433 |
| Total domestic deposits to total assets | 81.9434% | 3,949 |
| Equity capital to assets | 14.6629% | 825 |
| Core capital (leverage) ratio | 14.5937% | 701 |
| Tier 1 risk-based capital ratio | 25.1335% | 803 |
| Total risk-based capital ratio | 26.3853% | 783 |
| Memoranda: | ||
| Average total assets | $33,504,000 | 5,718 |
| Average earning assets | $29,380,000 | 5,730 |
| Average equity | $4,787,500 | 5,558 |
| Average total loans | $24,587,750 | 5,421 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6309% | 1,204 |
| Cost of funding earning assets | 0.4259% | 2,769 |
| Net interest margin | 4.2050% | 1,105 |
| Noninterest income to average assets | 0.7735% | 1,832 |
| Noninterest expense to average assets | 3.7010% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5712% | 4,394 |
| Return on assets (ROA) | 0.5712% | 4,523 |
| Pretax return on assets | 0.7735% | 4,376 |
| Return on Equity (ROE) | 4.0322% | 4,900 |
| Retained earnings to average equity (ytd only) | 4.0322% | 3,339 |
| Net charge-offs to loans | 0.0324% | 2,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,335 |
| Efficiency ratio | 82.7128% | 1,184 |
| Assets per employee ($millions) | 3.2672% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 4,067 |
| Loan loss allowance to noncurrent loans | 168.9873% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 3,598 |
| Noncurrent loans to loans | 0.6380% | 3,161 |
| Net loans and leases to total assets | 74.9786% | 1,653 |
| Net loans and leases to deposits | 91.4613% | 1,579 |
| Net loans and leases to core deposits | 94.4408% | 2,116 |
| Total domestic deposits to total assets | 81.9785% | 4,008 |
| Equity capital to assets | 14.7466% | 804 |
| Core capital (leverage) ratio | 14.3917% | 729 |
| Tier 1 risk-based capital ratio | 25.1069% | 800 |
| Total risk-based capital ratio | 26.3586% | 787 |
| Memoranda: | ||
| Average total assets | $33,612,330 | 5,786 |
| Average earning assets | $29,583,670 | 5,799 |
| Average equity | $4,761,670 | 5,622 |
| Average total loans | $24,656,330 | 5,476 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 1,231 |
| Cost of funding earning assets | 0.4304% | 2,766 |
| Net interest margin | 4.1826% | 1,138 |
| Noninterest income to average assets | 0.7512% | 1,816 |
| Noninterest expense to average assets | 3.5094% | 1,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6455% | 3,996 |
| Return on assets (ROA) | 0.6455% | 4,117 |
| Pretax return on assets | 0.8920% | 3,873 |
| Return on Equity (ROE) | 4.6448% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.6448% | 3,153 |
| Net charge-offs to loans | 0.0488% | 2,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 25.3333% | 1,298 |
| Efficiency ratio | 79.7333% | 1,643 |
| Assets per employee ($millions) | 3.7151% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 4,052 |
| Loan loss allowance to noncurrent loans | 142.3280% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 3,368 |
| Noncurrent loans to loans | 0.7724% | 2,908 |
| Net loans and leases to total assets | 72.3801% | 1,971 |
| Net loans and leases to deposits | 87.7325% | 1,862 |
| Net loans and leases to core deposits | 90.4947% | 2,323 |
| Total domestic deposits to total assets | 82.5009% | 4,067 |
| Equity capital to assets | 14.2780% | 892 |
| Core capital (leverage) ratio | 14.0491% | 799 |
| Tier 1 risk-based capital ratio | 25.1805% | 795 |
| Total risk-based capital ratio | 26.4320% | 780 |
| Memoranda: | ||
| Average total assets | $34,079,500 | 5,836 |
| Average earning assets | $29,742,000 | 5,855 |
| Average equity | $4,736,500 | 5,670 |
| Average total loans | $24,602,500 | 5,529 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5006% | 1,597 |
| Cost of funding earning assets | 0.4510% | 2,619 |
| Net interest margin | 4.0496% | 1,562 |
| Noninterest income to average assets | 0.6706% | 2,339 |
| Noninterest expense to average assets | 3.6489% | 1,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4444% | 4,902 |
| Return on assets (ROA) | 0.4424% | 4,994 |
| Pretax return on assets | 0.6114% | 4,803 |
| Return on Equity (ROE) | 3.3609% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.3609% | 3,656 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5915% | 1,029 |
| Assets per employee ($millions) | 3.4708% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 4,077 |
| Loan loss allowance to noncurrent loans | 175.9740% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 3,840 |
| Noncurrent loans to loans | 0.6226% | 3,319 |
| Net loans and leases to total assets | 70.4852% | 2,293 |
| Net loans and leases to deposits | 88.4934% | 1,811 |
| Net loans and leases to core deposits | 91.2359% | 2,296 |
| Total domestic deposits to total assets | 79.6502% | 4,828 |
| Equity capital to assets | 13.6366% | 1,066 |
| Core capital (leverage) ratio | 13.5581% | 945 |
| Tier 1 risk-based capital ratio | 24.0490% | 922 |
| Total risk-based capital ratio | 25.2998% | 908 |
| Memoranda: | ||
| Average total assets | $35,489,800 | 5,863 |
| Average earning assets | $31,484,800 | 5,868 |
| Average equity | $4,671,400 | 5,726 |
| Average total loans | $24,596,800 | 5,569 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 1,777 |
| Cost of funding earning assets | 0.4559% | 2,629 |
| Net interest margin | 3.9863% | 1,741 |
| Noninterest income to average assets | 0.6576% | 2,438 |
| Noninterest expense to average assets | 3.5271% | 1,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4820% | 4,851 |
| Return on assets (ROA) | 0.4820% | 4,948 |
| Pretax return on assets | 0.6912% | 4,707 |
| Return on Equity (ROE) | 3.6942% | 5,141 |
| Retained earnings to average equity (ytd only) | 3.6942% | 3,835 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6138% | 1,210 |
| Assets per employee ($millions) | 3.4427% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 4,123 |
| Loan loss allowance to noncurrent loans | 173.7179% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 3,979 |
| Noncurrent loans to loans | 0.6436% | 3,391 |
| Net loans and leases to total assets | 69.6227% | 2,446 |
| Net loans and leases to deposits | 87.5644% | 1,965 |
| Net loans and leases to core deposits | 90.2957% | 2,435 |
| Total domestic deposits to total assets | 79.5103% | 4,858 |
| Equity capital to assets | 13.7305% | 1,131 |
| Core capital (leverage) ratio | 13.2292% | 1,119 |
| Tier 1 risk-based capital ratio | 24.9973% | 858 |
| Total risk-based capital ratio | 26.2501% | 847 |
| Memoranda: | ||
| Average total assets | $35,685,250 | 5,935 |
| Average earning assets | $31,875,000 | 5,935 |
| Average equity | $4,656,000 | 5,807 |
| Average total loans | $24,562,250 | 5,639 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 1,731 |
| Cost of funding earning assets | 0.4628% | 2,579 |
| Net interest margin | 3.9714% | 1,728 |
| Noninterest income to average assets | 0.6370% | 2,542 |
| Noninterest expense to average assets | 3.5176% | 1,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4653% | 4,915 |
| Return on assets (ROA) | 0.4653% | 5,013 |
| Pretax return on assets | 0.6370% | 4,870 |
| Return on Equity (ROE) | 3.6267% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.6267% | 3,719 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6667% | 1,193 |
| Assets per employee ($millions) | 3.6682% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 4,281 |
| Loan loss allowance to noncurrent loans | 171.5190% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 4,202 |
| Noncurrent loans to loans | 0.6461% | 3,543 |
| Net loans and leases to total assets | 65.9233% | 2,963 |
| Net loans and leases to deposits | 85.0072% | 2,188 |
| Net loans and leases to core deposits | 86.6117% | 2,695 |
| Total domestic deposits to total assets | 77.5503% | 5,368 |
| Equity capital to assets | 12.7092% | 1,541 |
| Core capital (leverage) ratio | 12.5130% | 1,373 |
| Tier 1 risk-based capital ratio | 23.4928% | 1,009 |
| Total risk-based capital ratio | 24.7469% | 996 |
| Memoranda: | ||
| Average total assets | $36,104,670 | 5,995 |
| Average earning assets | $31,978,670 | 5,995 |
| Average equity | $4,632,330 | 5,872 |
| Average total loans | $24,669,670 | 5,674 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 1,696 |
| Cost of funding earning assets | 0.4869% | 2,404 |
| Net interest margin | 3.9330% | 1,780 |
| Noninterest income to average assets | 0.6143% | 2,579 |
| Noninterest expense to average assets | 3.4733% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4914% | 4,728 |
| Return on assets (ROA) | 0.4914% | 4,844 |
| Pretax return on assets | 0.6589% | 4,728 |
| Return on Equity (ROE) | 3.8116% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.8116% | 3,721 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0541% | 1,380 |
| Assets per employee ($millions) | 3.5649% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 4,544 |
| Loan loss allowance to noncurrent loans | 167.2840% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 4,218 |
| Noncurrent loans to loans | 0.6548% | 3,635 |
| Net loans and leases to total assets | 68.6387% | 2,343 |
| Net loans and leases to deposits | 87.6805% | 1,648 |
| Net loans and leases to core deposits | 88.4763% | 2,279 |
| Total domestic deposits to total assets | 78.2827% | 5,399 |
| Equity capital to assets | 13.0523% | 1,371 |
| Core capital (leverage) ratio | 12.6033% | 1,316 |
| Tier 1 risk-based capital ratio | 23.6748% | 1,029 |
| Total risk-based capital ratio | 24.9260% | 1,018 |
| Memoranda: | ||
| Average total assets | $35,816,000 | 6,056 |
| Average earning assets | $32,036,500 | 6,057 |
| Average equity | $4,617,500 | 5,926 |
| Average total loans | $24,778,000 | 5,722 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 1,869 |
| Cost of funding earning assets | 0.6651% | 1,301 |
| Net interest margin | 3.8340% | 2,495 |
| Noninterest income to average assets | 0.5544% | 3,151 |
| Noninterest expense to average assets | 3.5911% | 1,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2251% | 5,714 |
| Return on assets (ROA) | 0.2251% | 5,778 |
| Pretax return on assets | 0.3377% | 5,631 |
| Return on Equity (ROE) | 1.7630% | 5,830 |
| Retained earnings to average equity (ytd only) | 1.7630% | 4,934 |
| Net charge-offs to loans | 0.1080% | 2,971 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.6154% | 3,607 |
| Efficiency ratio | 91.4040% | 751 |
| Assets per employee ($millions) | 3.9981% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 4,575 |
| Loan loss allowance to noncurrent loans | 260.5769% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 4,879 |
| Noncurrent loans to loans | 0.4191% | 4,385 |
| Net loans and leases to total assets | 68.2128% | 2,525 |
| Net loans and leases to deposits | 89.3748% | 1,574 |
| Net loans and leases to core deposits | 90.1992% | 2,257 |
| Total domestic deposits to total assets | 76.3222% | 5,687 |
| Equity capital to assets | 12.7338% | 1,516 |
| Core capital (leverage) ratio | 12.6032% | 1,306 |
| Tier 1 risk-based capital ratio | 23.1342% | 1,068 |
| Total risk-based capital ratio | 24.3891% | 1,040 |
| Memoranda: | ||
| Average total assets | $35,532,400 | 6,145 |
| Average earning assets | $31,272,800 | 6,157 |
| Average equity | $4,537,600 | 5,979 |
| Average total loans | $24,073,400 | 5,820 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5333% | 1,757 |
| Cost of funding earning assets | 0.7147% | 1,081 |
| Net interest margin | 3.8186% | 2,546 |
| Noninterest income to average assets | 0.5910% | 2,924 |
| Noninterest expense to average assets | 3.5234% | 1,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2936% | 5,604 |
| Return on assets (ROA) | 0.2936% | 5,677 |
| Pretax return on assets | 0.4066% | 5,566 |
| Return on Equity (ROE) | 2.2976% | 5,769 |
| Retained earnings to average equity (ytd only) | 2.2976% | 4,910 |
| Net charge-offs to loans | 0.1451% | 2,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.1534% | 3,528 |
| Efficiency ratio | 89.6552% | 868 |
| Assets per employee ($millions) | 3.8253% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 4,622 |
| Loan loss allowance to noncurrent loans | 50.9398% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.6731% | 1,812 |
| Noncurrent loans to loans | 2.2145% | 1,367 |
| Net loans and leases to total assets | 68.9904% | 2,367 |
| Net loans and leases to deposits | 83.8582% | 2,172 |
| Net loans and leases to core deposits | 83.8582% | 2,892 |
| Total domestic deposits to total assets | 82.2702% | 4,386 |
| Equity capital to assets | 13.2625% | 1,293 |
| Core capital (leverage) ratio | 13.1792% | 1,107 |
| Tier 1 risk-based capital ratio | 23.3443% | 1,070 |
| Total risk-based capital ratio | 24.5957% | 1,052 |
| Memoranda: | ||
| Average total assets | $35,419,750 | 6,219 |
| Average earning assets | $30,970,250 | 6,238 |
| Average equity | $4,526,500 | 6,045 |
| Average total loans | $23,887,750 | 5,889 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5222% | 1,760 |
| Cost of funding earning assets | 0.7676% | 846 |
| Net interest margin | 3.7547% | 2,741 |
| Noninterest income to average assets | 0.6545% | 2,516 |
| Noninterest expense to average assets | 3.4070% | 1,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4196% | 5,139 |
| Return on assets (ROA) | 0.4196% | 5,220 |
| Pretax return on assets | 0.5315% | 5,186 |
| Return on Equity (ROE) | 3.3235% | 5,416 |
| Retained earnings to average equity (ytd only) | 3.3235% | 4,084 |
| Net charge-offs to loans | 0.2013% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.9583% | 3,195 |
| Efficiency ratio | 86.5057% | 1,225 |
| Assets per employee ($millions) | 3.9148% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 4,693 |
| Loan loss allowance to noncurrent loans | 45.4243% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 1.7058% | 1,914 |
| Noncurrent loans to loans | 2.5171% | 1,233 |
| Net loans and leases to total assets | 66.9940% | 2,581 |
| Net loans and leases to deposits | 81.3174% | 2,344 |
| Net loans and leases to core deposits | 81.3174% | 3,062 |
| Total domestic deposits to total assets | 82.3858% | 4,510 |
| Equity capital to assets | 12.9736% | 1,384 |
| Core capital (leverage) ratio | 12.8722% | 1,214 |
| Tier 1 risk-based capital ratio | 23.7136% | 1,019 |
| Total risk-based capital ratio | 24.9594% | 998 |
| Memoranda: | ||
| Average total assets | $35,750,330 | 6,272 |
| Average earning assets | $31,267,670 | 6,290 |
| Average equity | $4,513,330 | 6,089 |
| Average total loans | $23,842,670 | 5,934 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 1,611 |
| Cost of funding earning assets | 0.7980% | 756 |
| Net interest margin | 3.7619% | 2,629 |
| Noninterest income to average assets | 0.5332% | 3,167 |
| Noninterest expense to average assets | 3.4436% | 1,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3110% | 5,453 |
| Return on assets (ROA) | 0.3110% | 5,503 |
| Pretax return on assets | 0.3888% | 5,490 |
| Return on Equity (ROE) | 2.4975% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.4975% | 4,573 |
| Net charge-offs to loans | 0.4029% | 902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.4583% | 3,094 |
| Efficiency ratio | 89.8551% | 1,048 |
| Assets per employee ($millions) | 4.0684% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 4,830 |
| Loan loss allowance to noncurrent loans | 63.7850% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.1689% | 2,918 |
| Noncurrent loans to loans | 1.8159% | 2,116 |
| Net loans and leases to total assets | 63.6252% | 2,961 |
| Net loans and leases to deposits | 76.6904% | 2,729 |
| Net loans and leases to core deposits | 76.6904% | 3,343 |
| Total domestic deposits to total assets | 82.9637% | 4,614 |
| Equity capital to assets | 12.3088% | 1,682 |
| Core capital (leverage) ratio | 12.2513% | 1,508 |
| Tier 1 risk-based capital ratio | 23.6159% | 1,059 |
| Total risk-based capital ratio | 24.8644% | 1,042 |
| Memoranda: | ||
| Average total assets | $36,009,000 | 6,329 |
| Average earning assets | $31,579,500 | 6,349 |
| Average equity | $4,484,500 | 6,139 |
| Average total loans | $23,825,500 | 5,991 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7288% | 1,495 |
| Cost of funding earning assets | 0.8935% | 765 |
| Net interest margin | 3.8352% | 2,520 |
| Noninterest income to average assets | 0.5342% | 3,528 |
| Noninterest expense to average assets | 3.4286% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3679% | 5,269 |
| Return on assets (ROA) | 0.3679% | 5,382 |
| Pretax return on assets | 0.4279% | 5,417 |
| Return on Equity (ROE) | 3.0333% | 5,494 |
| Retained earnings to average equity (ytd only) | 3.0333% | 4,073 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9046% | 1,116 |
| Assets per employee ($millions) | 3.5402% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 4,449 |
| Loan loss allowance to noncurrent loans | 157.6720% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5339% | 4,631 |
| Noncurrent loans to loans | 0.7849% | 4,010 |
| Net loans and leases to total assets | 67.1798% | 2,488 |
| Net loans and leases to deposits | 81.5827% | 2,240 |
| Net loans and leases to core deposits | 81.5827% | 2,946 |
| Total domestic deposits to total assets | 82.3456% | 4,752 |
| Equity capital to assets | 12.6038% | 1,462 |
| Core capital (leverage) ratio | 12.5865% | 1,310 |
| Tier 1 risk-based capital ratio | 23.2734% | 1,058 |
| Total risk-based capital ratio | 24.5272% | 1,034 |
| Memoranda: | ||
| Average total assets | $36,691,600 | 6,372 |
| Average earning assets | $31,784,200 | 6,403 |
| Average equity | $4,450,600 | 6,220 |
| Average total loans | $24,082,600 | 6,028 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 1,543 |
| Cost of funding earning assets | 0.9076% | 786 |
| Net interest margin | 3.8144% | 2,590 |
| Noninterest income to average assets | 0.5691% | 3,342 |
| Noninterest expense to average assets | 3.3176% | 2,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4286% | 5,119 |
| Return on assets (ROA) | 0.4286% | 5,267 |
| Pretax return on assets | 0.5367% | 5,243 |
| Return on Equity (ROE) | 3.5672% | 5,410 |
| Retained earnings to average equity (ytd only) | 3.5672% | 4,161 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0748% | 1,357 |
| Assets per employee ($millions) | 3.6619% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 4,651 |
| Loan loss allowance to noncurrent loans | 268.4685% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4042% | 5,211 |
| Noncurrent loans to loans | 0.4649% | 5,028 |
| Net loans and leases to total assets | 64.3901% | 2,938 |
| Net loans and leases to deposits | 80.6920% | 2,309 |
| Net loans and leases to core deposits | 80.6920% | 3,048 |
| Total domestic deposits to total assets | 79.7974% | 5,561 |
| Equity capital to assets | 12.1685% | 1,806 |
| Core capital (leverage) ratio | 12.1278% | 1,601 |
| Tier 1 risk-based capital ratio | 22.8214% | 1,177 |
| Total risk-based capital ratio | 24.0759% | 1,156 |
| Memoranda: | ||
| Average total assets | $37,014,000 | 6,431 |
| Average earning assets | $31,878,750 | 6,473 |
| Average equity | $4,447,750 | 6,297 |
| Average total loans | $24,083,000 | 6,088 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 1,403 |
| Cost of funding earning assets | 0.9143% | 834 |
| Net interest margin | 3.8528% | 2,368 |
| Noninterest income to average assets | 0.5330% | 3,620 |
| Noninterest expense to average assets | 3.3544% | 1,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3769% | 5,300 |
| Return on assets (ROA) | 0.3769% | 5,469 |
| Pretax return on assets | 0.4684% | 5,466 |
| Return on Equity (ROE) | 3.1496% | 5,567 |
| Retained earnings to average equity (ytd only) | 3.1496% | 4,317 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7465% | 1,245 |
| Assets per employee ($millions) | 3.7292% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,653 |
| Loan loss allowance to noncurrent loans | 242.2764% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 5,490 |
| Noncurrent loans to loans | 0.5237% | 4,954 |
| Net loans and leases to total assets | 62.1849% | 3,258 |
| Net loans and leases to deposits | 77.5274% | 2,638 |
| Net loans and leases to core deposits | 77.5274% | 3,355 |
| Total domestic deposits to total assets | 80.2102% | 5,563 |
| Equity capital to assets | 11.8283% | 2,029 |
| Core capital (leverage) ratio | 11.7762% | 1,744 |
| Tier 1 risk-based capital ratio | 22.3291% | 1,232 |
| Total risk-based capital ratio | 23.5806% | 1,210 |
| Memoranda: | ||
| Average total assets | $37,145,670 | 6,480 |
| Average earning assets | $31,717,000 | 6,522 |
| Average equity | $4,445,000 | 6,343 |
| Average total loans | $24,151,670 | 6,113 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 1,127 |
| Cost of funding earning assets | 0.9409% | 816 |
| Net interest margin | 3.9416% | 1,971 |
| Noninterest income to average assets | 0.5826% | 3,233 |
| Noninterest expense to average assets | 3.3664% | 1,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4424% | 4,950 |
| Return on assets (ROA) | 0.4424% | 5,110 |
| Pretax return on assets | 0.5611% | 5,076 |
| Return on Equity (ROE) | 3.6755% | 5,252 |
| Retained earnings to average equity (ytd only) | 3.6755% | 4,025 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 1,546 |
| Assets per employee ($millions) | 3.7484% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 4,941 |
| Loan loss allowance to noncurrent loans | 142.5837% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 4,995 |
| Noncurrent loans to loans | 0.8775% | 4,380 |
| Net loans and leases to total assets | 62.7494% | 2,929 |
| Net loans and leases to deposits | 78.6524% | 2,256 |
| Net loans and leases to core deposits | 78.6524% | 2,977 |
| Total domestic deposits to total assets | 79.7807% | 5,799 |
| Equity capital to assets | 11.9438% | 2,076 |
| Core capital (leverage) ratio | 11.6704% | 1,772 |
| Tier 1 risk-based capital ratio | 22.0219% | 1,328 |
| Total risk-based capital ratio | 23.2743% | 1,298 |
| Memoranda: | ||
| Average total assets | $37,072,500 | 6,545 |
| Average earning assets | $31,459,500 | 6,588 |
| Average equity | $4,462,000 | 6,398 |
| Average total loans | $24,483,500 | 6,149 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2771% | 973 |
| Cost of funding earning assets | 1.1239% | 829 |
| Net interest margin | 4.1533% | 1,806 |
| Noninterest income to average assets | 0.5303% | 3,707 |
| Noninterest expense to average assets | 3.5708% | 1,678 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4596% | 4,840 |
| Return on assets (ROA) | 0.4596% | 5,092 |
| Pretax return on assets | 0.5575% | 5,112 |
| Return on Equity (ROE) | 3.8511% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.8511% | 3,487 |
| Net charge-offs to loans | 0.1340% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 6.0294% | 2,886 |
| Efficiency ratio | 86.4954% | 1,382 |
| Assets per employee ($millions) | 3.6661% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 5,208 |
| Loan loss allowance to noncurrent loans | 144.1748% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 5,080 |
| Noncurrent loans to loans | 0.8192% | 4,546 |
| Net loans and leases to total assets | 67.7859% | 2,217 |
| Net loans and leases to deposits | 85.3898% | 1,595 |
| Net loans and leases to core deposits | 85.3898% | 2,389 |
| Total domestic deposits to total assets | 79.3841% | 5,805 |
| Equity capital to assets | 12.1301% | 1,957 |
| Core capital (leverage) ratio | 11.8246% | 1,651 |
| Tier 1 risk-based capital ratio | 21.2139% | 1,413 |
| Total risk-based capital ratio | 22.5103% | 1,381 |
| Memoranda: | ||
| Average total assets | $36,770,600 | 6,586 |
| Average earning assets | $31,854,400 | 6,612 |
| Average equity | $4,388,400 | 6,468 |
| Average total loans | $25,380,600 | 6,171 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3528% | 918 |
| Cost of funding earning assets | 1.1713% | 793 |
| Net interest margin | 4.1815% | 1,792 |
| Noninterest income to average assets | 0.6594% | 2,936 |
| Noninterest expense to average assets | 3.5545% | 1,643 |
| Loan and lease loss provision to assets | 0.1123% | 4,161 |
| Net operating income to assets | 0.4674% | 4,964 |
| Return on assets (ROA) | 0.4674% | 5,220 |
| Pretax return on assets | 0.6015% | 5,162 |
| Return on Equity (ROE) | 3.9326% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.9326% | 4,116 |
| Net charge-offs to loans | 0.1782% | 3,682 |
| Credit loss provision to net charge-offs | 91.1765% | 3,263 |
| Earnings coverage of net charge-offs (x) | 5.7944% | 2,925 |
| Efficiency ratio | 83.2767% | 1,671 |
| Assets per employee ($millions) | 3.3575% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 4,772 |
| Loan loss allowance to noncurrent loans | 162.8713% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 1.1318% | 4,026 |
| Noncurrent loans to loans | 0.8039% | 4,801 |
| Net loans and leases to total assets | 67.1486% | 2,432 |
| Net loans and leases to deposits | 84.8792% | 1,751 |
| Net loans and leases to core deposits | 84.8792% | 2,593 |
| Total domestic deposits to total assets | 79.1108% | 5,842 |
| Equity capital to assets | 12.0055% | 2,252 |
| Core capital (leverage) ratio | 11.6371% | 1,880 |
| Tier 1 risk-based capital ratio | 20.4520% | 1,642 |
| Total risk-based capital ratio | 21.7040% | 1,613 |
| Memoranda: | ||
| Average total assets | $36,798,000 | 6,669 |
| Average earning assets | $31,758,250 | 6,697 |
| Average equity | $4,373,750 | 6,551 |
| Average total loans | $25,438,750 | 6,252 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3268% | 996 |
| Cost of funding earning assets | 1.2075% | 786 |
| Net interest margin | 4.1193% | 2,013 |
| Noninterest income to average assets | 0.6639% | 2,874 |
| Noninterest expense to average assets | 3.5698% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5115% | 4,768 |
| Return on assets (ROA) | 0.5115% | 5,032 |
| Pretax return on assets | 0.6584% | 4,948 |
| Return on Equity (ROE) | 4.3182% | 5,126 |
| Retained earnings to average equity (ytd only) | 4.3182% | 3,743 |
| Net charge-offs to loans | 0.2506% | 3,074 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.7813% | 3,270 |
| Efficiency ratio | 84.4273% | 1,589 |
| Assets per employee ($millions) | 3.4021% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 5,487 |
| Loan loss allowance to noncurrent loans | 136.5297% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 1.1624% | 4,071 |
| Noncurrent loans to loans | 0.8559% | 4,799 |
| Net loans and leases to total assets | 67.5707% | 2,354 |
| Net loans and leases to deposits | 86.5460% | 1,525 |
| Net loans and leases to core deposits | 86.5460% | 2,357 |
| Total domestic deposits to total assets | 78.0750% | 6,145 |
| Equity capital to assets | 11.7468% | 2,368 |
| Core capital (leverage) ratio | 11.3869% | 1,978 |
| Tier 1 risk-based capital ratio | 19.9868% | 1,703 |
| Total risk-based capital ratio | 21.2678% | 1,669 |
| Memoranda: | ||
| Average total assets | $36,753,000 | 6,715 |
| Average earning assets | $31,801,670 | 6,743 |
| Average equity | $4,353,670 | 6,586 |
| Average total loans | $25,542,000 | 6,285 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3681% | 965 |
| Cost of funding earning assets | 1.2183% | 903 |
| Net interest margin | 4.1498% | 1,941 |
| Noninterest income to average assets | 0.7249% | 2,531 |
| Noninterest expense to average assets | 3.7564% | 1,286 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4393% | 5,088 |
| Return on assets (ROA) | 0.4393% | 5,280 |
| Pretax return on assets | 0.5602% | 5,238 |
| Return on Equity (ROE) | 3.6930% | 5,433 |
| Retained earnings to average equity (ytd only) | 3.6930% | 4,375 |
| Net charge-offs to loans | 0.3292% | 2,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.4286% | 3,207 |
| Efficiency ratio | 87.0229% | 1,374 |
| Assets per employee ($millions) | 3.3895% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 5,416 |
| Loan loss allowance to noncurrent loans | 70.3620% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.1855% | 4,149 |
| Noncurrent loans to loans | 1.7272% | 3,520 |
| Net loans and leases to total assets | 67.8012% | 2,150 |
| Net loans and leases to deposits | 87.1329% | 1,269 |
| Net loans and leases to core deposits | 87.1329% | 2,159 |
| Total domestic deposits to total assets | 77.8135% | 6,290 |
| Equity capital to assets | 11.6779% | 2,280 |
| Core capital (leverage) ratio | 11.2877% | 2,041 |
| Tier 1 risk-based capital ratio | 20.0373% | 1,703 |
| Total risk-based capital ratio | 21.2520% | 1,682 |
| Memoranda: | ||
| Average total assets | $36,418,000 | 6,782 |
| Average earning assets | $31,519,500 | 6,807 |
| Average equity | $4,332,500 | 6,625 |
| Average total loans | $25,520,000 | 6,336 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4252% | 1,352 |
| Cost of funding earning assets | 1.4024% | 1,029 |
| Net interest margin | 4.0228% | 2,774 |
| Noninterest income to average assets | 0.6539% | 2,866 |
| Noninterest expense to average assets | 3.5646% | 1,818 |
| Loan and lease loss provision to assets | 0.1297% | 4,995 |
| Net operating income to assets | 0.5077% | 4,384 |
| Return on assets (ROA) | 0.5077% | 4,598 |
| Pretax return on assets | 0.6318% | 4,585 |
| Return on Equity (ROE) | 4.3319% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.3319% | 3,101 |
| Net charge-offs to loans | -0.0693% | 7,094 |
| Credit loss provision to net charge-offs | -261.1111% | 6,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3980% | 1,962 |
| Assets per employee ($millions) | 4.4440% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 4,877 |
| Loan loss allowance to noncurrent loans | 55.8923% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 1.6708% | 3,447 |
| Noncurrent loans to loans | 2.3340% | 2,817 |
| Net loans and leases to total assets | 70.6514% | 1,890 |
| Net loans and leases to deposits | 92.3558% | 937 |
| Net loans and leases to core deposits | 92.3558% | 1,854 |
| Total domestic deposits to total assets | 76.4992% | 6,411 |
| Equity capital to assets | 12.1259% | 2,030 |
| Core capital (leverage) ratio | 11.7291% | 1,748 |
| Tier 1 risk-based capital ratio | 20.2795% | 1,574 |
| Total risk-based capital ratio | 21.5305% | 1,551 |
| Memoranda: | ||
| Average total assets | $36,244,800 | 6,790 |
| Average earning assets | $33,086,400 | 6,779 |
| Average equity | $4,247,600 | 6,677 |
| Average total loans | $25,991,400 | 6,355 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4431% | 1,402 |
| Cost of funding earning assets | 1.4470% | 1,033 |
| Net interest margin | 3.9962% | 2,927 |
| Noninterest income to average assets | 0.6297% | 2,991 |
| Noninterest expense to average assets | 3.4488% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6627% | 3,806 |
| Return on assets (ROA) | 0.6627% | 3,982 |
| Pretax return on assets | 0.8311% | 4,011 |
| Return on Equity (ROE) | 5.7028% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.7028% | 2,742 |
| Net charge-offs to loans | 0.0102% | 6,012 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 113.3558% | 314 |
| Efficiency ratio | 80.5817% | 2,175 |
| Assets per employee ($millions) | 4.5864% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 6,322 |
| Loan loss allowance to noncurrent loans | 54.7917% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.3082% | 4,192 |
| Noncurrent loans to loans | 1.8059% | 3,633 |
| Net loans and leases to total assets | 71.7233% | 1,771 |
| Net loans and leases to deposits | 93.6213% | 869 |
| Net loans and leases to core deposits | 93.6213% | 1,824 |
| Total domestic deposits to total assets | 76.6101% | 6,436 |
| Equity capital to assets | 11.8122% | 2,404 |
| Core capital (leverage) ratio | 11.3641% | 2,121 |
| Tier 1 risk-based capital ratio | 19.8926% | 1,714 |
| Total risk-based capital ratio | 21.1443% | 1,683 |
| Memoranda: | ||
| Average total assets | $36,418,000 | 6,845 |
| Average earning assets | $33,264,250 | 6,837 |
| Average equity | $4,231,750 | 6,730 |
| Average total loans | $26,126,750 | 6,416 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4403% | 1,446 |
| Cost of funding earning assets | 1.4974% | 1,020 |
| Net interest margin | 3.9428% | 3,112 |
| Noninterest income to average assets | 0.6111% | 3,065 |
| Noninterest expense to average assets | 3.3474% | 2,410 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6937% | 3,572 |
| Return on assets (ROA) | 0.6937% | 3,690 |
| Pretax return on assets | 0.8589% | 3,798 |
| Return on Equity (ROE) | 6.0033% | 3,972 |
| Retained earnings to average equity (ytd only) | 6.0033% | 2,429 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5812% | 2,453 |
| Assets per employee ($millions) | 4.5446% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 6,281 |
| Loan loss allowance to noncurrent loans | 43.0894% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 1.6916% | 3,650 |
| Noncurrent loans to loans | 2.3497% | 3,044 |
| Net loans and leases to total assets | 71.2628% | 1,948 |
| Net loans and leases to deposits | 93.1007% | 940 |
| Net loans and leases to core deposits | 93.1007% | 2,006 |
| Total domestic deposits to total assets | 76.5437% | 6,517 |
| Equity capital to assets | 11.8024% | 2,244 |
| Core capital (leverage) ratio | 11.3248% | 2,034 |
| Tier 1 risk-based capital ratio | 19.9037% | 1,627 |
| Total risk-based capital ratio | 21.1535% | 1,602 |
| Memoranda: | ||
| Average total assets | $36,327,000 | 6,910 |
| Average earning assets | $33,123,330 | 6,901 |
| Average equity | $4,197,670 | 6,786 |
| Average total loans | $25,976,000 | 6,480 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4194% | 1,500 |
| Cost of funding earning assets | 1.5450% | 1,000 |
| Net interest margin | 3.8745% | 3,273 |
| Noninterest income to average assets | 0.5948% | 3,209 |
| Noninterest expense to average assets | 3.4369% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6059% | 4,003 |
| Return on assets (ROA) | 0.6059% | 4,072 |
| Pretax return on assets | 0.6940% | 4,325 |
| Return on Equity (ROE) | 5.2999% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.2999% | 3,008 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2000% | 2,053 |
| Assets per employee ($millions) | 5.1910% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 6,348 |
| Loan loss allowance to noncurrent loans | 200.7576% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 6,301 |
| Noncurrent loans to loans | 0.5043% | 6,014 |
| Net loans and leases to total assets | 71.3075% | 1,855 |
| Net loans and leases to deposits | 92.8211% | 945 |
| Net loans and leases to core deposits | 92.8211% | 2,031 |
| Total domestic deposits to total assets | 76.8225% | 6,564 |
| Equity capital to assets | 11.4759% | 2,296 |
| Core capital (leverage) ratio | 11.1277% | 2,095 |
| Tier 1 risk-based capital ratio | 19.5296% | 1,685 |
| Total risk-based capital ratio | 20.7808% | 1,652 |
| Memoranda: | ||
| Average total assets | $36,312,000 | 6,957 |
| Average earning assets | $33,140,000 | 6,950 |
| Average equity | $4,151,000 | 6,831 |
| Average total loans | $25,877,000 | 6,534 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 1,639 |
| Cost of funding earning assets | 1.9446% | 732 |
| Net interest margin | 3.7369% | 4,195 |
| Noninterest income to average assets | 0.5885% | 3,549 |
| Noninterest expense to average assets | 3.3763% | 2,507 |
| Loan and lease loss provision to assets | 0.1549% | 5,656 |
| Net operating income to assets | 0.3431% | 4,776 |
| Return on assets (ROA) | 0.3604% | 4,866 |
| Pretax return on assets | 0.4674% | 4,734 |
| Return on Equity (ROE) | 3.1402% | 4,901 |
| Retained earnings to average equity (ytd only) | 3.1402% | 3,668 |
| Net charge-offs to loans | 0.1847% | 5,196 |
| Credit loss provision to net charge-offs | 119.5652% | 3,539 |
| Earnings coverage of net charge-offs (x) | 4.6304% | 2,858 |
| Efficiency ratio | 84.9150% | 1,811 |
| Assets per employee ($millions) | 4.0319% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 6,208 |
| Loan loss allowance to noncurrent loans | 202.2901% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 6,362 |
| Noncurrent loans to loans | 0.5122% | 6,011 |
| Net loans and leases to total assets | 69.7578% | 2,582 |
| Net loans and leases to deposits | 90.5815% | 1,454 |
| Net loans and leases to core deposits | 90.5815% | 2,680 |
| Total domestic deposits to total assets | 77.0111% | 6,479 |
| Equity capital to assets | 11.3870% | 2,350 |
| Core capital (leverage) ratio | 11.0179% | 2,151 |
| Tier 1 risk-based capital ratio | 18.9741% | 1,731 |
| Total risk-based capital ratio | 20.2374% | 1,692 |
| Memoranda: | ||
| Average total assets | $35,512,400 | 7,024 |
| Average earning assets | $32,192,400 | 7,010 |
| Average equity | $4,076,200 | 6,971 |
| Average total loans | $24,907,000 | 6,678 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7415% | 1,573 |
| Cost of funding earning assets | 2.0112% | 724 |
| Net interest margin | 3.7303% | 4,264 |
| Noninterest income to average assets | 0.5965% | 3,459 |
| Noninterest expense to average assets | 3.4617% | 2,134 |
| Loan and lease loss provision to assets | 0.2076% | 4,985 |
| Net operating income to assets | 0.2334% | 5,412 |
| Return on assets (ROA) | 0.2567% | 5,485 |
| Pretax return on assets | 0.3322% | 5,420 |
| Return on Equity (ROE) | 2.2318% | 5,516 |
| Retained earnings to average equity (ytd only) | 2.2318% | 4,829 |
| Net charge-offs to loans | 0.2479% | 4,452 |
| Credit loss provision to net charge-offs | 119.5652% | 3,453 |
| Earnings coverage of net charge-offs (x) | 2.9349% | 3,664 |
| Efficiency ratio | 87.1673% | 1,515 |
| Assets per employee ($millions) | 3.5107% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 6,166 |
| Loan loss allowance to noncurrent loans | 82.3529% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.9200% | 5,267 |
| Noncurrent loans to loans | 1.2740% | 4,726 |
| Net loans and leases to total assets | 71.4587% | 2,364 |
| Net loans and leases to deposits | 95.5877% | 1,036 |
| Net loans and leases to core deposits | 95.5877% | 2,309 |
| Total domestic deposits to total assets | 74.7572% | 6,821 |
| Equity capital to assets | 11.6159% | 2,442 |
| Core capital (leverage) ratio | 11.2056% | 2,124 |
| Tier 1 risk-based capital ratio | 19.0391% | 1,741 |
| Total risk-based capital ratio | 20.2889% | 1,703 |
| Memoranda: | ||
| Average total assets | $35,318,750 | 7,115 |
| Average earning assets | $31,953,500 | 7,101 |
| Average equity | $4,062,250 | 7,063 |
| Average total loans | $24,739,250 | 6,779 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7763% | 1,494 |
| Cost of funding earning assets | 2.0652% | 745 |
| Net interest margin | 3.7111% | 4,309 |
| Noninterest income to average assets | 0.5934% | 3,387 |
| Noninterest expense to average assets | 3.3852% | 2,301 |
| Loan and lease loss provision to assets | 0.1865% | 5,004 |
| Net operating income to assets | 0.2886% | 5,225 |
| Return on assets (ROA) | 0.3278% | 5,238 |
| Pretax return on assets | 0.4239% | 5,141 |
| Return on Equity (ROE) | 2.8593% | 5,301 |
| Retained earnings to average equity (ytd only) | 2.8593% | 4,322 |
| Net charge-offs to loans | 0.1956% | 4,434 |
| Credit loss provision to net charge-offs | 137.5000% | 2,914 |
| Earnings coverage of net charge-offs (x) | 4.1250% | 3,045 |
| Efficiency ratio | 85.8166% | 1,731 |
| Assets per employee ($millions) | 3.5934% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 6,131 |
| Loan loss allowance to noncurrent loans | 106.8548% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.6902% | 5,770 |
| Noncurrent loans to loans | 0.9930% | 5,318 |
| Net loans and leases to total assets | 68.7622% | 3,181 |
| Net loans and leases to deposits | 91.3018% | 1,651 |
| Net loans and leases to core deposits | 91.3018% | 3,082 |
| Total domestic deposits to total assets | 75.3131% | 6,808 |
| Equity capital to assets | 11.4293% | 2,496 |
| Core capital (leverage) ratio | 10.9114% | 2,317 |
| Tier 1 risk-based capital ratio | 18.7044% | 1,788 |
| Total risk-based capital ratio | 19.9568% | 1,760 |
| Memoranda: | ||
| Average total assets | $35,389,330 | 7,164 |
| Average earning assets | $31,958,000 | 7,161 |
| Average equity | $4,057,000 | 7,105 |
| Average total loans | $24,534,670 | 6,833 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5683% | 2,287 |
| Cost of funding earning assets | 2.0881% | 844 |
| Net interest margin | 3.4802% | 5,238 |
| Noninterest income to average assets | 0.5581% | 3,584 |
| Noninterest expense to average assets | 3.4399% | 2,131 |
| Loan and lease loss provision to assets | 0.3759% | 3,114 |
| Net operating income to assets | -0.0770% | 6,411 |
| Return on assets (ROA) | -0.0114% | 6,414 |
| Pretax return on assets | -0.0228% | 6,386 |
| Return on Equity (ROE) | -0.0992% | 6,420 |
| Retained earnings to average equity (ytd only) | -0.0992% | 5,859 |
| Net charge-offs to loans | 0.2961% | 3,231 |
| Credit loss provision to net charge-offs | 183.3333% | 1,995 |
| Earnings coverage of net charge-offs (x) | 1.2222% | 4,037 |
| Efficiency ratio | 93.2099% | 1,186 |
| Assets per employee ($millions) | 3.5422% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 6,010 |
| Loan loss allowance to noncurrent loans | 39.1053% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 1.9564% | 3,556 |
| Noncurrent loans to loans | 2.8077% | 2,854 |
| Net loans and leases to total assets | 68.9148% | 3,173 |
| Net loans and leases to deposits | 91.6811% | 1,658 |
| Net loans and leases to core deposits | 91.6811% | 3,145 |
| Total domestic deposits to total assets | 75.1680% | 6,879 |
| Equity capital to assets | 11.3602% | 2,456 |
| Core capital (leverage) ratio | 10.9399% | 2,267 |
| Tier 1 risk-based capital ratio | 18.9521% | 1,734 |
| Total risk-based capital ratio | 20.5741% | 1,622 |
| Memoranda: | ||
| Average total assets | $35,117,000 | 7,266 |
| Average earning assets | $31,607,500 | 7,262 |
| Average equity | $4,032,000 | 7,172 |
| Average total loans | $24,315,000 | 6,923 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8699% | 2,372 |
| Cost of funding earning assets | 2.4876% | 1,050 |
| Net interest margin | 3.3823% | 5,438 |
| Noninterest income to average assets | 0.6083% | 3,564 |
| Noninterest expense to average assets | 3.3757% | 2,759 |
| Loan and lease loss provision to assets | 0.0461% | 7,104 |
| Net operating income to assets | 0.1845% | 4,947 |
| Return on assets (ROA) | 0.1845% | 5,018 |
| Pretax return on assets | 0.2162% | 4,967 |
| Return on Equity (ROE) | 1.6131% | 5,053 |
| Retained earnings to average equity (ytd only) | 1.6131% | 3,953 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7892% | 1,502 |
| Assets per employee ($millions) | 3.4812% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 6,022 |
| Loan loss allowance to noncurrent loans | 40.4088% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 1.8270% | 3,634 |
| Noncurrent loans to loans | 2.6558% | 2,893 |
| Net loans and leases to total assets | 68.0541% | 3,695 |
| Net loans and leases to deposits | 91.2104% | 2,011 |
| Net loans and leases to core deposits | 110.5455% | 2,839 |
| Total domestic deposits to total assets | 74.6122% | 6,929 |
| Equity capital to assets | 11.6052% | 2,244 |
| Core capital (leverage) ratio | 11.1544% | 2,140 |
| Tier 1 risk-based capital ratio | 19.1605% | 1,621 |
| Total risk-based capital ratio | 20.8077% | 1,509 |
| Memoranda: | ||
| Average total assets | $34,689,200 | 7,293 |
| Average earning assets | $31,073,800 | 7,309 |
| Average equity | $3,967,400 | 7,309 |
| Average total loans | $22,853,600 | 7,033 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8938% | 2,478 |
| Cost of funding earning assets | 2.5180% | 1,239 |
| Net interest margin | 3.3759% | 5,360 |
| Noninterest income to average assets | 0.5771% | 3,878 |
| Noninterest expense to average assets | 3.4046% | 2,562 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1693% | 5,255 |
| Return on assets (ROA) | 0.1693% | 5,322 |
| Pretax return on assets | 0.2001% | 5,306 |
| Return on Equity (ROE) | 1.4856% | 5,338 |
| Retained earnings to average equity (ytd only) | 1.4856% | 4,482 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4504% | 1,374 |
| Assets per employee ($millions) | 3.4282% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 6,209 |
| Loan loss allowance to noncurrent loans | 67.2269% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 4,996 |
| Noncurrent loans to loans | 1.5056% | 4,397 |
| Net loans and leases to total assets | 68.4645% | 3,853 |
| Net loans and leases to deposits | 92.4929% | 2,155 |
| Net loans and leases to core deposits | 112.0976% | 3,011 |
| Total domestic deposits to total assets | 74.0214% | 6,941 |
| Equity capital to assets | 11.7146% | 2,423 |
| Core capital (leverage) ratio | 11.2405% | 2,230 |
| Tier 1 risk-based capital ratio | 19.0903% | 1,730 |
| Total risk-based capital ratio | 20.7144% | 1,616 |
| Memoranda: | ||
| Average total assets | $34,658,500 | 7,354 |
| Average earning assets | $31,082,750 | 7,369 |
| Average equity | $3,949,250 | 7,381 |
| Average total loans | $22,580,000 | 7,120 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8282% | 2,910 |
| Cost of funding earning assets | 2.5435% | 1,466 |
| Net interest margin | 3.2848% | 5,608 |
| Noninterest income to average assets | 0.5290% | 4,193 |
| Noninterest expense to average assets | 3.3406% | 2,823 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1312% | 5,472 |
| Return on assets (ROA) | 0.1207% | 5,604 |
| Pretax return on assets | 0.1322% | 5,597 |
| Return on Equity (ROE) | 1.0695% | 5,617 |
| Retained earnings to average equity (ytd only) | 1.0695% | 4,730 |
| Net charge-offs to loans | -0.0360% | 7,803 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8746% | 1,384 |
| Assets per employee ($millions) | 3.5466% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 5,695 |
| Loan loss allowance to noncurrent loans | 110.9091% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 5,750 |
| Noncurrent loans to loans | 0.9784% | 5,257 |
| Net loans and leases to total assets | 62.7108% | 5,235 |
| Net loans and leases to deposits | 86.1987% | 3,516 |
| Net loans and leases to core deposits | 106.1066% | 3,834 |
| Total domestic deposits to total assets | 72.7514% | 7,145 |
| Equity capital to assets | 11.1261% | 2,811 |
| Core capital (leverage) ratio | 10.8143% | 2,554 |
| Tier 1 risk-based capital ratio | 19.6291% | 1,645 |
| Total risk-based capital ratio | 21.1702% | 1,552 |
| Memoranda: | ||
| Average total assets | $34,784,000 | 7,414 |
| Average earning assets | $31,296,000 | 7,425 |
| Average equity | $3,927,000 | 7,443 |
| Average total loans | $22,203,000 | 7,198 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8671% | 2,950 |
| Cost of funding earning assets | 2.5805% | 1,623 |
| Net interest margin | 3.2866% | 5,538 |
| Noninterest income to average assets | 0.5110% | 4,219 |
| Noninterest expense to average assets | 3.5189% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0084% | 6,268 |
| Return on assets (ROA) | -0.0232% | 6,425 |
| Pretax return on assets | -0.0581% | 6,439 |
| Return on Equity (ROE) | -0.2042% | 6,430 |
| Retained earnings to average equity (ytd only) | -0.2042% | 5,690 |
| Net charge-offs to loans | -0.0725% | 7,800 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0000% | 1,087 |
| Assets per employee ($millions) | 3.4478% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,503 |
| Loan loss allowance to noncurrent loans | 112.4424% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 5,474 |
| Noncurrent loans to loans | 0.9751% | 5,044 |
| Net loans and leases to total assets | 63.8407% | 5,019 |
| Net loans and leases to deposits | 88.7970% | 3,143 |
| Net loans and leases to core deposits | 109.5456% | 3,493 |
| Total domestic deposits to total assets | 71.8951% | 7,220 |
| Equity capital to assets | 11.4276% | 2,634 |
| Core capital (leverage) ratio | 11.0395% | 2,473 |
| Tier 1 risk-based capital ratio | 20.0106% | 1,621 |
| Total risk-based capital ratio | 21.6535% | 1,512 |
| Memoranda: | ||
| Average total assets | $34,443,000 | 7,473 |
| Average earning assets | $31,157,000 | 7,470 |
| Average equity | $3,917,500 | 7,484 |
| Average total loans | $22,062,000 | 7,245 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0575% | 5,264 |
| Cost of funding earning assets | 2.9967% | 1,874 |
| Net interest margin | 3.0609% | 6,761 |
| Noninterest income to average assets | 0.5230% | 4,445 |
| Noninterest expense to average assets | 3.5108% | 2,367 |
| Loan and lease loss provision to assets | 0.0722% | 6,491 |
| Net operating income to assets | -0.2547% | 6,687 |
| Return on assets (ROA) | -0.2572% | 6,533 |
| Pretax return on assets | -0.3063% | 6,469 |
| Return on Equity (ROE) | -2.2446% | 6,538 |
| Retained earnings to average equity (ytd only) | -2.2446% | 5,936 |
| Net charge-offs to loans | 0.0670% | 5,823 |
| Credit loss provision to net charge-offs | 178.5714% | 2,828 |
| Earnings coverage of net charge-offs (x) | -5.7143% | 6,849 |
| Efficiency ratio | 107.0485% | 783 |
| Assets per employee ($millions) | 3.4408% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 5,312 |
| Loan loss allowance to noncurrent loans | 104.8035% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 4,707 |
| Noncurrent loans to loans | 1.0471% | 4,480 |
| Net loans and leases to total assets | 62.8604% | 5,482 |
| Net loans and leases to deposits | 89.3170% | 3,574 |
| Net loans and leases to core deposits | 110.5269% | 3,728 |
| Total domestic deposits to total assets | 70.3790% | 7,236 |
| Equity capital to assets | 11.3200% | 2,783 |
| Core capital (leverage) ratio | 11.0576% | 2,545 |
| Tier 1 risk-based capital ratio | 20.0063% | 1,621 |
| Total risk-based capital ratio | 21.5741% | 1,534 |
| Memoranda: | ||
| Average total assets | $34,607,800 | 7,439 |
| Average earning assets | $31,167,800 | 7,452 |
| Average equity | $3,965,000 | 7,523 |
| Average total loans | $20,897,600 | 7,271 |