Home > CentreBank > Performance and Condition Ratios
CentreBank, 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 | 6.4040% | 387 |
| Cost of funding earning assets | 0.4975% | 4,196 |
| Net interest margin | 5.9065% | 122 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 3.5550% | 544 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.0741% | 420 |
| Return on assets (ROA) | 2.0741% | 407 |
| Pretax return on assets | 2.7553% | 265 |
| Return on Equity (ROE) | 14.7300% | 1,335 |
| Retained earnings to average equity (ytd only) | 14.7335% | 343 |
| Net charge-offs to loans | -0.0016% | 3,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.9302% | 3,504 |
| Assets per employee ($millions) | 4.3026% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 831 |
| Loan loss allowance to noncurrent loans | 791.4729% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 2,582 |
| Noncurrent loans to loans | 0.2027% | 2,497 |
| Net loans and leases to total assets | 60.6500% | 2,791 |
| Net loans and leases to deposits | 71.7219% | 2,766 |
| Net loans and leases to core deposits | 76.3150% | 2,956 |
| Total domestic deposits to total assets | 84.5700% | 2,447 |
| Equity capital to assets | 15.2969% | 529 |
| Core capital (leverage) ratio | 15.0142% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $104,527,400 | 3,786 |
| Average earning assets | $98,094,800 | 3,763 |
| Average equity | $14,714,800 | 3,293 |
| Average total loans | $62,698,800 | 3,669 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2359% | 398 |
| Cost of funding earning assets | 0.4731% | 4,172 |
| Net interest margin | 5.7628% | 132 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 3.3064% | 716 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.1606% | 396 |
| Return on assets (ROA) | 2.1606% | 392 |
| Pretax return on assets | 2.8741% | 262 |
| Return on Equity (ROE) | 15.6800% | 1,312 |
| Retained earnings to average equity (ytd only) | 15.6826% | 492 |
| Net charge-offs to loans | -0.0598% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.2351% | 3,655 |
| Assets per employee ($millions) | 4.1675% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 902 |
| Loan loss allowance to noncurrent loans | 354.3253% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 1,815 |
| Noncurrent loans to loans | 0.4488% | 1,699 |
| Net loans and leases to total assets | 60.8300% | 2,768 |
| Net loans and leases to deposits | 71.5413% | 2,739 |
| Net loans and leases to core deposits | 75.8020% | 2,879 |
| Total domestic deposits to total assets | 85.0200% | 2,495 |
| Equity capital to assets | 14.7072% | 563 |
| Core capital (leverage) ratio | 14.7706% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $104,843,500 | 3,795 |
| Average earning assets | $98,352,250 | 3,778 |
| Average equity | $14,444,500 | 3,310 |
| Average total loans | $62,459,750 | 3,679 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0822% | 404 |
| Cost of funding earning assets | 0.4366% | 4,106 |
| Net interest margin | 5.6456% | 151 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 3.2228% | 769 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1359% | 383 |
| Return on assets (ROA) | 2.1359% | 378 |
| Pretax return on assets | 2.8421% | 236 |
| Return on Equity (ROE) | 15.8600% | 1,289 |
| Retained earnings to average equity (ytd only) | 15.8568% | 488 |
| Net charge-offs to loans | -0.0615% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.1387% | 3,683 |
| Assets per employee ($millions) | 4.0036% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5506% | 1,032 |
| Loan loss allowance to noncurrent loans | 1,179.7619% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 2,918 |
| Noncurrent loans to loans | 0.1314% | 2,816 |
| Net loans and leases to total assets | 60.4500% | 2,732 |
| Net loans and leases to deposits | 70.6189% | 2,737 |
| Net loans and leases to core deposits | 75.2281% | 2,814 |
| Total domestic deposits to total assets | 85.5900% | 2,363 |
| Equity capital to assets | 14.1662% | 627 |
| Core capital (leverage) ratio | 13.9360% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $105,062,333 | 3,813 |
| Average earning assets | $98,483,667 | 3,793 |
| Average equity | $14,151,667 | 3,341 |
| Average total loans | $61,814,333 | 3,692 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7664% | 437 |
| Cost of funding earning assets | 0.3688% | 4,034 |
| Net interest margin | 5.3977% | 169 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 3.3919% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7471% | 752 |
| Return on assets (ROA) | 1.7471% | 743 |
| Pretax return on assets | 2.3307% | 459 |
| Return on Equity (ROE) | 13.3100% | 1,925 |
| Retained earnings to average equity (ytd only) | 13.3098% | 1,041 |
| Net charge-offs to loans | -0.0987% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.2715% | 3,049 |
| Assets per employee ($millions) | 4.0824% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5825% | 1,042 |
| Loan loss allowance to noncurrent loans | 19,740.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 3,748 |
| Noncurrent loans to loans | 0.0080% | 3,777 |
| Net loans and leases to total assets | 57.8300% | 2,884 |
| Net loans and leases to deposits | 66.9634% | 2,853 |
| Net loans and leases to core deposits | 69.0398% | 3,019 |
| Total domestic deposits to total assets | 86.3600% | 2,489 |
| Equity capital to assets | 13.2700% | 700 |
| Core capital (leverage) ratio | 13.2844% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $105,547,000 | 3,861 |
| Average earning assets | $98,709,500 | 3,838 |
| Average equity | $13,854,500 | 3,404 |
| Average total loans | $60,766,000 | 3,751 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9877% | 1,749 |
| Cost of funding earning assets | 0.3310% | 2,623 |
| Net interest margin | 3.6567% | 1,482 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 2.8995% | 1,126 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 1.0990% | 2,175 |
| Return on assets (ROA) | 1.0990% | 2,112 |
| Pretax return on assets | 1.4553% | 1,597 |
| Return on Equity (ROE) | 9.2200% | 3,060 |
| Retained earnings to average equity (ytd only) | 9.2181% | 1,413 |
| Net charge-offs to loans | 0.0175% | 1,757 |
| Credit loss provision to net charge-offs | -800.0000% | 4,656 |
| Earnings coverage of net charge-offs (x) | 150.1000% | 789 |
| Efficiency ratio | 67.7274% | 1,998 |
| Assets per employee ($millions) | 4.3730% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 895 |
| Loan loss allowance to noncurrent loans | 1,518.7500% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 3,196 |
| Noncurrent loans to loans | 0.1082% | 2,991 |
| Net loans and leases to total assets | 55.4400% | 3,084 |
| Net loans and leases to deposits | 63.8471% | 3,057 |
| Net loans and leases to core deposits | 65.3479% | 3,177 |
| Total domestic deposits to total assets | 86.8400% | 2,445 |
| Equity capital to assets | 12.9812% | 710 |
| Core capital (leverage) ratio | 12.5569% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $108,640,400 | 3,850 |
| Average earning assets | $101,813,800 | 3,820 |
| Average equity | $12,952,800 | 3,577 |
| Average total loans | $57,212,000 | 3,788 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5995% | 2,349 |
| Cost of funding earning assets | 0.3383% | 1,793 |
| Net interest margin | 3.2612% | 2,421 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 2.7503% | 1,349 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.9711% | 2,589 |
| Return on assets (ROA) | 0.9711% | 2,557 |
| Pretax return on assets | 1.2766% | 2,121 |
| Return on Equity (ROE) | 8.3200% | 3,225 |
| Retained earnings to average equity (ytd only) | 8.3220% | 1,879 |
| Net charge-offs to loans | -0.0047% | 3,468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.1343% | 1,872 |
| Assets per employee ($millions) | 4.5211% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7517% | 802 |
| Loan loss allowance to noncurrent loans | 2,226.0870% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 3,483 |
| Noncurrent loans to loans | 0.0787% | 3,311 |
| Net loans and leases to total assets | 52.9300% | 3,193 |
| Net loans and leases to deposits | 60.4898% | 3,151 |
| Net loans and leases to core deposits | 61.8553% | 3,246 |
| Total domestic deposits to total assets | 87.5000% | 2,592 |
| Equity capital to assets | 12.1909% | 841 |
| Core capital (leverage) ratio | 11.8775% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $109,562,500 | 3,864 |
| Average earning assets | $102,862,500 | 3,830 |
| Average equity | $12,785,000 | 3,634 |
| Average total loans | $56,724,750 | 3,808 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2679% | 2,844 |
| Cost of funding earning assets | 0.3487% | 1,272 |
| Net interest margin | 2.9193% | 3,117 |
| Noninterest income to average assets | 0.9316% | 785 |
| Noninterest expense to average assets | 2.6330% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7879% | 3,004 |
| Return on assets (ROA) | 0.7879% | 2,970 |
| Pretax return on assets | 1.0408% | 2,600 |
| Return on Equity (ROE) | 6.8527% | 3,345 |
| Retained earnings to average equity (ytd only) | 6.8527% | 2,031 |
| Net charge-offs to loans | 0.0178% | 1,383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 114.4000% | 758 |
| Efficiency ratio | 71.6691% | 1,757 |
| Assets per employee ($millions) | 4.6839% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8967% | 665 |
| Loan loss allowance to noncurrent loans | 714.1892% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 2,789 |
| Noncurrent loans to loans | 0.2656% | 2,413 |
| Net loans and leases to total assets | 48.6345% | 3,495 |
| Net loans and leases to deposits | 55.0485% | 3,462 |
| Net loans and leases to core deposits | 57.1166% | 3,481 |
| Total domestic deposits to total assets | 88.3484% | 2,440 |
| Equity capital to assets | 11.4425% | 1,047 |
| Core capital (leverage) ratio | 11.3895% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,914,333 | 3,900 |
| Average earning assets | $103,245,667 | 3,877 |
| Average equity | $12,637,333 | 3,717 |
| Average total loans | $56,147,667 | 3,860 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1201% | 2,914 |
| Cost of funding earning assets | 0.3611% | 1,126 |
| Net interest margin | 2.7590% | 3,254 |
| Noninterest income to average assets | 0.9460% | 764 |
| Noninterest expense to average assets | 2.6135% | 1,566 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6957% | 3,071 |
| Return on assets (ROA) | 0.6957% | 3,060 |
| Pretax return on assets | 0.9203% | 2,699 |
| Return on Equity (ROE) | 6.0362% | 3,339 |
| Retained earnings to average equity (ytd only) | 6.0362% | 2,243 |
| Net charge-offs to loans | -0.0639% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9583% | 1,744 |
| Assets per employee ($millions) | 4.6221% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8947% | 748 |
| Loan loss allowance to noncurrent loans | 2,142.0000% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,588 |
| Noncurrent loans to loans | 0.0885% | 3,396 |
| Net loans and leases to total assets | 49.9914% | 3,174 |
| Net loans and leases to deposits | 56.4978% | 3,220 |
| Net loans and leases to core deposits | 58.6470% | 3,265 |
| Total domestic deposits to total assets | 88.4838% | 2,304 |
| Equity capital to assets | 11.3755% | 1,172 |
| Core capital (leverage) ratio | 11.4221% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,664,500 | 3,930 |
| Average earning assets | $101,921,000 | 3,916 |
| Average equity | $12,524,500 | 3,806 |
| Average total loans | $56,357,000 | 3,858 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4179% | 2,889 |
| Cost of funding earning assets | 0.4085% | 1,479 |
| Net interest margin | 3.0095% | 3,172 |
| Noninterest income to average assets | 1.1775% | 767 |
| Noninterest expense to average assets | 2.9288% | 1,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8166% | 3,280 |
| Return on assets (ROA) | 0.8166% | 3,352 |
| Pretax return on assets | 1.0767% | 3,044 |
| Return on Equity (ROE) | 7.0818% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.0818% | 1,891 |
| Net charge-offs to loans | -0.0193% | 3,963 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1193% | 1,402 |
| Assets per employee ($millions) | 4.4333% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8901% | 740 |
| Loan loss allowance to noncurrent loans | 647.5610% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 2,863 |
| Noncurrent loans to loans | 0.2919% | 2,543 |
| Net loans and leases to total assets | 51.8102% | 3,087 |
| Net loans and leases to deposits | 58.7561% | 3,189 |
| Net loans and leases to core deposits | 61.0993% | 3,239 |
| Total domestic deposits to total assets | 88.1783% | 1,942 |
| Equity capital to assets | 11.6826% | 1,403 |
| Core capital (leverage) ratio | 11.4701% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,207,200 | 3,951 |
| Average earning assets | $97,924,600 | 3,930 |
| Average equity | $12,016,800 | 3,929 |
| Average total loans | $56,898,000 | 3,877 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4502% | 2,958 |
| Cost of funding earning assets | 0.4202% | 1,551 |
| Net interest margin | 3.0301% | 3,231 |
| Noninterest income to average assets | 1.0573% | 981 |
| Noninterest expense to average assets | 2.8336% | 1,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8129% | 3,487 |
| Return on assets (ROA) | 0.8129% | 3,562 |
| Pretax return on assets | 1.0714% | 3,266 |
| Return on Equity (ROE) | 7.0730% | 3,650 |
| Retained earnings to average equity (ytd only) | 7.0730% | 2,390 |
| Net charge-offs to loans | -0.0093% | 3,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5626% | 1,353 |
| Assets per employee ($millions) | 4.5442% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8116% | 908 |
| Loan loss allowance to noncurrent loans | 671.9745% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 2,761 |
| Noncurrent loans to loans | 0.2696% | 2,840 |
| Net loans and leases to total assets | 52.4317% | 3,152 |
| Net loans and leases to deposits | 59.1628% | 3,314 |
| Net loans and leases to core deposits | 61.4517% | 3,365 |
| Total domestic deposits to total assets | 88.6228% | 1,501 |
| Equity capital to assets | 11.1966% | 1,893 |
| Core capital (leverage) ratio | 11.5361% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,659,500 | 4,012 |
| Average earning assets | $97,420,750 | 3,980 |
| Average equity | $11,913,500 | 3,994 |
| Average total loans | $57,075,750 | 3,926 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5749% | 2,701 |
| Cost of funding earning assets | 0.4348% | 1,617 |
| Net interest margin | 3.1401% | 2,926 |
| Noninterest income to average assets | 1.1683% | 841 |
| Noninterest expense to average assets | 2.8117% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9857% | 2,940 |
| Return on assets (ROA) | 0.9857% | 3,029 |
| Pretax return on assets | 1.3057% | 2,620 |
| Return on Equity (ROE) | 8.4982% | 3,262 |
| Retained earnings to average equity (ytd only) | 8.4982% | 1,894 |
| Net charge-offs to loans | -0.0635% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2880% | 1,844 |
| Assets per employee ($millions) | 4.5324% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8591% | 793 |
| Loan loss allowance to noncurrent loans | 1,018.0952% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 3,162 |
| Noncurrent loans to loans | 0.1826% | 3,310 |
| Net loans and leases to total assets | 54.1335% | 3,115 |
| Net loans and leases to deposits | 61.3451% | 3,267 |
| Net loans and leases to core deposits | 63.8443% | 3,298 |
| Total domestic deposits to total assets | 88.2442% | 1,700 |
| Equity capital to assets | 11.5889% | 1,577 |
| Core capital (leverage) ratio | 11.6040% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,859,333 | 4,051 |
| Average earning assets | $95,666,333 | 4,026 |
| Average equity | $11,814,333 | 4,009 |
| Average total loans | $56,688,667 | 3,960 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3063% | 3,435 |
| Cost of funding earning assets | 0.4518% | 1,707 |
| Net interest margin | 2.8545% | 3,629 |
| Noninterest income to average assets | 1.2358% | 817 |
| Noninterest expense to average assets | 2.8490% | 1,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8106% | 3,388 |
| Return on assets (ROA) | 0.8106% | 3,461 |
| Pretax return on assets | 1.0729% | 3,182 |
| Return on Equity (ROE) | 6.9857% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.9857% | 2,584 |
| Net charge-offs to loans | -0.0569% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6444% | 1,438 |
| Assets per employee ($millions) | 4.5996% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8518% | 793 |
| Loan loss allowance to noncurrent loans | 488.0184% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 2,757 |
| Noncurrent loans to loans | 0.3795% | 2,736 |
| Net loans and leases to total assets | 53.0565% | 3,343 |
| Net loans and leases to deposits | 60.0439% | 3,478 |
| Net loans and leases to core deposits | 62.4523% | 3,544 |
| Total domestic deposits to total assets | 88.3629% | 1,672 |
| Equity capital to assets | 11.1380% | 1,764 |
| Core capital (leverage) ratio | 11.9244% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,666,000 | 4,066 |
| Average earning assets | $94,727,500 | 4,041 |
| Average equity | $11,681,000 | 4,037 |
| Average total loans | $56,282,500 | 3,985 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 1,124 |
| Cost of funding earning assets | 0.4573% | 3,240 |
| Net interest margin | 4.1273% | 743 |
| Noninterest income to average assets | 1.6801% | 445 |
| Noninterest expense to average assets | 3.4852% | 702 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5047% | 798 |
| Return on assets (ROA) | 1.5047% | 870 |
| Pretax return on assets | 2.0039% | 450 |
| Return on Equity (ROE) | 11.7002% | 1,410 |
| Retained earnings to average equity (ytd only) | 11.6366% | 362 |
| Net charge-offs to loans | -0.0275% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4931% | 2,897 |
| Assets per employee ($millions) | 4.1540% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.5439% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 730 |
| Loan loss allowance to noncurrent loans | 161.4439% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 1,346 |
| Noncurrent loans to loans | 1.1756% | 1,207 |
| Net loans and leases to total assets | 56.8615% | 3,217 |
| Net loans and leases to deposits | 65.0362% | 3,357 |
| Net loans and leases to core deposits | 67.9780% | 3,414 |
| Total domestic deposits to total assets | 87.4305% | 1,734 |
| Equity capital to assets | 12.1194% | 1,515 |
| Core capital (leverage) ratio | 12.2033% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,532,400 | 4,181 |
| Average earning assets | $78,938,400 | 4,173 |
| Average equity | $10,999,800 | 4,077 |
| Average total loans | $58,147,200 | 3,951 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8684% | 785 |
| Cost of funding earning assets | 0.4480% | 3,535 |
| Net interest margin | 4.4204% | 454 |
| Noninterest income to average assets | 1.6941% | 403 |
| Noninterest expense to average assets | 3.4396% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7327% | 537 |
| Return on assets (ROA) | 1.7327% | 599 |
| Pretax return on assets | 2.3107% | 275 |
| Return on Equity (ROE) | 13.2532% | 1,042 |
| Retained earnings to average equity (ytd only) | 13.2532% | 309 |
| Net charge-offs to loans | -0.0068% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8157% | 3,414 |
| Assets per employee ($millions) | 3.8596% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7452% | 814 |
| Loan loss allowance to noncurrent loans | 290.7563% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 2,314 |
| Noncurrent loans to loans | 0.6002% | 2,304 |
| Net loans and leases to total assets | 63.0908% | 2,875 |
| Net loans and leases to deposits | 72.3620% | 3,101 |
| Net loans and leases to core deposits | 75.4574% | 3,211 |
| Total domestic deposits to total assets | 87.1877% | 1,583 |
| Equity capital to assets | 12.2833% | 1,528 |
| Core capital (leverage) ratio | 12.9677% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,030,250 | 4,215 |
| Average earning assets | $76,190,500 | 4,220 |
| Average equity | $10,855,000 | 4,103 |
| Average total loans | $58,839,750 | 3,961 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 546 |
| Cost of funding earning assets | 0.4425% | 3,830 |
| Net interest margin | 4.7771% | 296 |
| Noninterest income to average assets | 1.6786% | 376 |
| Noninterest expense to average assets | 3.4172% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.9767% | 347 |
| Return on assets (ROA) | 1.9767% | 384 |
| Pretax return on assets | 2.6431% | 170 |
| Return on Equity (ROE) | 14.7744% | 741 |
| Retained earnings to average equity (ytd only) | 14.7744% | 232 |
| Net charge-offs to loans | -0.0205% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3869% | 3,896 |
| Assets per employee ($millions) | 3.4653% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 784 |
| Loan loss allowance to noncurrent loans | 170.6557% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8489% | 1,463 |
| Noncurrent loans to loans | 1.0068% | 1,541 |
| Net loans and leases to total assets | 71.5990% | 1,785 |
| Net loans and leases to deposits | 83.1358% | 2,083 |
| Net loans and leases to core deposits | 87.1664% | 2,335 |
| Total domestic deposits to total assets | 86.1229% | 1,955 |
| Equity capital to assets | 13.3324% | 1,030 |
| Core capital (leverage) ratio | 13.4848% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,830,333 | 4,255 |
| Average earning assets | $73,224,333 | 4,258 |
| Average equity | $10,680,667 | 4,139 |
| Average total loans | $58,626,667 | 3,969 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2522% | 599 |
| Cost of funding earning assets | 0.4400% | 4,198 |
| Net interest margin | 4.8122% | 269 |
| Noninterest income to average assets | 1.5148% | 387 |
| Noninterest expense to average assets | 3.5004% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8218% | 390 |
| Return on assets (ROA) | 1.8218% | 435 |
| Pretax return on assets | 2.4360% | 187 |
| Return on Equity (ROE) | 13.5917% | 776 |
| Retained earnings to average equity (ytd only) | 13.5917% | 279 |
| Net charge-offs to loans | 0.0069% | 2,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 476.0000% | 136 |
| Efficiency ratio | 58.9655% | 3,879 |
| Assets per employee ($millions) | 3.5311% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7956% | 711 |
| Loan loss allowance to noncurrent loans | 211.4519% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.7376% | 1,826 |
| Noncurrent loans to loans | 0.8492% | 1,920 |
| Net loans and leases to total assets | 72.7975% | 1,803 |
| Net loans and leases to deposits | 85.0547% | 2,105 |
| Net loans and leases to core deposits | 89.5122% | 2,394 |
| Total domestic deposits to total assets | 85.5891% | 2,175 |
| Equity capital to assets | 13.7158% | 1,148 |
| Core capital (leverage) ratio | 13.7710% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,162,500 | 4,286 |
| Average earning assets | $71,817,500 | 4,287 |
| Average equity | $10,477,000 | 4,184 |
| Average total loans | $57,646,500 | 3,997 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4403% | 621 |
| Cost of funding earning assets | 0.4295% | 4,341 |
| Net interest margin | 5.0108% | 265 |
| Noninterest income to average assets | 0.8472% | 1,310 |
| Noninterest expense to average assets | 3.5315% | 922 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4664% | 1,135 |
| Return on assets (ROA) | 1.4664% | 1,200 |
| Pretax return on assets | 1.9530% | 661 |
| Return on Equity (ROE) | 11.8442% | 1,572 |
| Retained earnings to average equity (ytd only) | 11.8031% | 256 |
| Net charge-offs to loans | -0.0053% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3902% | 3,021 |
| Assets per employee ($millions) | 3.5746% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.3475% | 3,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7935% | 670 |
| Loan loss allowance to noncurrent loans | 288.3008% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 2,253 |
| Noncurrent loans to loans | 0.6221% | 2,335 |
| Net loans and leases to total assets | 72.0642% | 2,082 |
| Net loans and leases to deposits | 83.5451% | 2,378 |
| Net loans and leases to core deposits | 87.8295% | 2,619 |
| Total domestic deposits to total assets | 86.2578% | 1,954 |
| Equity capital to assets | 13.0962% | 1,461 |
| Core capital (leverage) ratio | 12.9802% | 1,241 |
| Tier 1 risk-based capital ratio | 20.9939% | 1,167 |
| Total risk-based capital ratio | 22.2537% | 1,139 |
| Memoranda: | ||
| Average total assets | $78,493,600 | 4,314 |
| Average earning assets | $72,642,600 | 4,303 |
| Average equity | $9,717,800 | 4,275 |
| Average total loans | $56,323,200 | 4,048 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4424% | 650 |
| Cost of funding earning assets | 0.4209% | 4,431 |
| Net interest margin | 5.0215% | 276 |
| Noninterest income to average assets | 0.6441% | 2,014 |
| Noninterest expense to average assets | 3.3308% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4683% | 1,278 |
| Return on assets (ROA) | 1.4683% | 1,335 |
| Pretax return on assets | 1.9560% | 756 |
| Return on Equity (ROE) | 12.0342% | 1,608 |
| Retained earnings to average equity (ytd only) | 12.0342% | 381 |
| Net charge-offs to loans | 0.0048% | 3,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 574.7678% | 173 |
| Efficiency ratio | 63.0023% | 3,163 |
| Assets per employee ($millions) | 3.6061% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 694 |
| Loan loss allowance to noncurrent loans | 202.3576% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.9454% | 1,429 |
| Noncurrent loans to loans | 0.8852% | 1,812 |
| Net loans and leases to total assets | 71.1801% | 2,294 |
| Net loans and leases to deposits | 82.0880% | 2,675 |
| Net loans and leases to core deposits | 86.2348% | 2,891 |
| Total domestic deposits to total assets | 86.7119% | 1,676 |
| Equity capital to assets | 12.6251% | 1,827 |
| Core capital (leverage) ratio | 12.9817% | 1,352 |
| Tier 1 risk-based capital ratio | 20.1931% | 1,335 |
| Total risk-based capital ratio | 21.4532% | 1,303 |
| Memoranda: | ||
| Average total assets | $78,456,750 | 4,367 |
| Average earning assets | $72,539,750 | 4,363 |
| Average equity | $9,572,500 | 4,344 |
| Average total loans | $55,977,250 | 4,102 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3896% | 695 |
| Cost of funding earning assets | 0.4150% | 4,451 |
| Net interest margin | 4.9746% | 301 |
| Noninterest income to average assets | 0.7702% | 1,440 |
| Noninterest expense to average assets | 3.4568% | 1,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4354% | 1,333 |
| Return on assets (ROA) | 1.4354% | 1,381 |
| Pretax return on assets | 1.9139% | 813 |
| Return on Equity (ROE) | 11.9049% | 1,612 |
| Retained earnings to average equity (ytd only) | 11.9049% | 417 |
| Net charge-offs to loans | -0.0613% | 4,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3640% | 3,076 |
| Assets per employee ($millions) | 3.5751% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 643 |
| Loan loss allowance to noncurrent loans | 158.9394% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 1.2256% | 1,071 |
| Noncurrent loans to loans | 1.1521% | 1,407 |
| Net loans and leases to total assets | 71.5039% | 2,286 |
| Net loans and leases to deposits | 82.1706% | 2,713 |
| Net loans and leases to core deposits | 85.9374% | 2,967 |
| Total domestic deposits to total assets | 87.0189% | 1,592 |
| Equity capital to assets | 12.3492% | 1,939 |
| Core capital (leverage) ratio | 12.6932% | 1,444 |
| Tier 1 risk-based capital ratio | 19.6072% | 1,419 |
| Total risk-based capital ratio | 20.8668% | 1,393 |
| Memoranda: | ||
| Average total assets | $78,164,330 | 4,405 |
| Average earning assets | $72,287,330 | 4,395 |
| Average equity | $9,424,670 | 4,379 |
| Average total loans | $55,469,670 | 4,136 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2382% | 840 |
| Cost of funding earning assets | 0.4038% | 4,466 |
| Net interest margin | 4.8344% | 378 |
| Noninterest income to average assets | 0.6725% | 1,715 |
| Noninterest expense to average assets | 3.3984% | 1,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3193% | 1,631 |
| Return on assets (ROA) | 1.3193% | 1,673 |
| Pretax return on assets | 1.7608% | 1,074 |
| Return on Equity (ROE) | 11.0770% | 1,917 |
| Retained earnings to average equity (ytd only) | 11.0770% | 786 |
| Net charge-offs to loans | -0.0367% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8706% | 2,957 |
| Assets per employee ($millions) | 3.5835% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 614 |
| Loan loss allowance to noncurrent loans | 196.4015% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.0553% | 1,314 |
| Noncurrent loans to loans | 0.9555% | 1,752 |
| Net loans and leases to total assets | 68.7739% | 2,651 |
| Net loans and leases to deposits | 78.7829% | 2,970 |
| Net loans and leases to core deposits | 82.3737% | 3,156 |
| Total domestic deposits to total assets | 87.2955% | 1,666 |
| Equity capital to assets | 11.9346% | 2,064 |
| Core capital (leverage) ratio | 12.1834% | 1,676 |
| Tier 1 risk-based capital ratio | 19.8134% | 1,371 |
| Total risk-based capital ratio | 21.0748% | 1,347 |
| Memoranda: | ||
| Average total assets | $77,920,000 | 4,457 |
| Average earning assets | $72,315,500 | 4,446 |
| Average equity | $9,280,500 | 4,426 |
| Average total loans | $54,560,000 | 4,199 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1451% | 774 |
| Cost of funding earning assets | 0.4242% | 3,831 |
| Net interest margin | 4.7209% | 463 |
| Noninterest income to average assets | 0.9026% | 1,172 |
| Noninterest expense to average assets | 3.4100% | 1,132 |
| Loan and lease loss provision to assets | -0.1837% | 5,325 |
| Net operating income to assets | 1.5396% | 1,019 |
| Return on assets (ROA) | 1.5396% | 1,011 |
| Pretax return on assets | 2.0541% | 491 |
| Return on Equity (ROE) | 13.7926% | 1,100 |
| Retained earnings to average equity (ytd only) | 13.7926% | 178 |
| Net charge-offs to loans | -0.1979% | 5,267 |
| Credit loss provision to net charge-offs | 131.7757% | 2,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5782% | 3,102 |
| Assets per employee ($millions) | 3.5001% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9160% | 554 |
| Loan loss allowance to noncurrent loans | 133.5058% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 1.3987% | 878 |
| Noncurrent loans to loans | 1.4351% | 1,082 |
| Net loans and leases to total assets | 68.6099% | 2,788 |
| Net loans and leases to deposits | 78.4588% | 3,114 |
| Net loans and leases to core deposits | 82.1173% | 3,254 |
| Total domestic deposits to total assets | 87.4471% | 1,565 |
| Equity capital to assets | 11.8854% | 1,976 |
| Core capital (leverage) ratio | 11.8628% | 1,825 |
| Tier 1 risk-based capital ratio | 19.6054% | 1,386 |
| Total risk-based capital ratio | 20.8672% | 1,353 |
| Memoranda: | ||
| Average total assets | $76,774,000 | 4,490 |
| Average earning assets | $71,194,400 | 4,475 |
| Average equity | $8,569,800 | 4,516 |
| Average total loans | $54,071,200 | 4,223 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 765 |
| Cost of funding earning assets | 0.4293% | 3,666 |
| Net interest margin | 4.6645% | 507 |
| Noninterest income to average assets | 0.8863% | 1,234 |
| Noninterest expense to average assets | 3.3299% | 1,236 |
| Loan and lease loss provision to assets | -0.2451% | 5,419 |
| Net operating income to assets | 1.5920% | 980 |
| Return on assets (ROA) | 1.5920% | 985 |
| Pretax return on assets | 2.1255% | 453 |
| Return on Equity (ROE) | 14.4974% | 985 |
| Retained earnings to average equity (ytd only) | 14.4974% | 201 |
| Net charge-offs to loans | -0.2463% | 5,333 |
| Credit loss provision to net charge-offs | 141.0000% | 1,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9093% | 3,203 |
| Assets per employee ($millions) | 3.4066% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 639 |
| Loan loss allowance to noncurrent loans | 338.2838% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 1,923 |
| Noncurrent loans to loans | 0.5516% | 2,727 |
| Net loans and leases to total assets | 68.7985% | 2,822 |
| Net loans and leases to deposits | 78.1889% | 3,221 |
| Net loans and leases to core deposits | 81.7461% | 3,346 |
| Total domestic deposits to total assets | 87.9901% | 1,243 |
| Equity capital to assets | 11.3411% | 2,366 |
| Core capital (leverage) ratio | 11.4001% | 2,243 |
| Tier 1 risk-based capital ratio | 19.0433% | 1,525 |
| Total risk-based capital ratio | 20.3035% | 1,495 |
| Memoranda: | ||
| Average total assets | $76,717,000 | 4,535 |
| Average earning assets | $71,117,000 | 4,519 |
| Average equity | $8,424,250 | 4,586 |
| Average total loans | $54,123,250 | 4,269 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0354% | 758 |
| Cost of funding earning assets | 0.4290% | 3,503 |
| Net interest margin | 4.6064% | 542 |
| Noninterest income to average assets | 0.8481% | 1,324 |
| Noninterest expense to average assets | 3.2899% | 1,345 |
| Loan and lease loss provision to assets | -0.3702% | 5,505 |
| Net operating income to assets | 1.6515% | 799 |
| Return on assets (ROA) | 1.6515% | 807 |
| Pretax return on assets | 2.2134% | 379 |
| Return on Equity (ROE) | 15.2110% | 813 |
| Retained earnings to average equity (ytd only) | 15.2110% | 187 |
| Net charge-offs to loans | -0.4456% | 5,426 |
| Credit loss provision to net charge-offs | 117.5000% | 1,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0921% | 3,308 |
| Assets per employee ($millions) | 3.2133% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9245% | 607 |
| Loan loss allowance to noncurrent loans | 387.0370% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.7443% | 2,008 |
| Noncurrent loans to loans | 0.4972% | 2,938 |
| Net loans and leases to total assets | 69.0578% | 2,710 |
| Net loans and leases to deposits | 78.2843% | 3,127 |
| Net loans and leases to core deposits | 81.8958% | 3,253 |
| Total domestic deposits to total assets | 88.2142% | 1,266 |
| Equity capital to assets | 11.1517% | 2,505 |
| Core capital (leverage) ratio | 11.3522% | 2,204 |
| Tier 1 risk-based capital ratio | 18.4986% | 1,673 |
| Total risk-based capital ratio | 19.7591% | 1,637 |
| Memoranda: | ||
| Average total assets | $76,172,000 | 4,590 |
| Average earning assets | $70,858,000 | 4,570 |
| Average equity | $8,270,330 | 4,651 |
| Average total loans | $53,854,330 | 4,307 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8533% | 968 |
| Cost of funding earning assets | 0.4247% | 3,405 |
| Net interest margin | 4.4286% | 721 |
| Noninterest income to average assets | 0.8877% | 1,180 |
| Noninterest expense to average assets | 3.1176% | 1,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4214% | 1,283 |
| Return on assets (ROA) | 1.4214% | 1,288 |
| Pretax return on assets | 1.9023% | 719 |
| Return on Equity (ROE) | 13.2749% | 1,191 |
| Retained earnings to average equity (ytd only) | 13.2749% | 483 |
| Net charge-offs to loans | 0.1939% | 759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 13.8462% | 1,736 |
| Efficiency ratio | 62.1053% | 3,761 |
| Assets per employee ($millions) | 3.3346% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8762% | 691 |
| Loan loss allowance to noncurrent loans | 263.9594% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 2,266 |
| Noncurrent loans to loans | 0.7108% | 2,434 |
| Net loans and leases to total assets | 70.9190% | 2,339 |
| Net loans and leases to deposits | 80.5557% | 2,746 |
| Net loans and leases to core deposits | 84.5607% | 2,924 |
| Total domestic deposits to total assets | 88.0372% | 1,595 |
| Equity capital to assets | 10.7437% | 2,826 |
| Core capital (leverage) ratio | 11.0978% | 2,332 |
| Tier 1 risk-based capital ratio | 17.3536% | 2,013 |
| Total risk-based capital ratio | 18.6151% | 1,962 |
| Memoranda: | ||
| Average total assets | $75,699,000 | 4,647 |
| Average earning assets | $70,632,000 | 4,629 |
| Average equity | $8,105,500 | 4,727 |
| Average total loans | $53,631,000 | 4,360 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6922% | 1,216 |
| Cost of funding earning assets | 0.4441% | 2,833 |
| Net interest margin | 4.2481% | 1,088 |
| Noninterest income to average assets | 0.8694% | 1,357 |
| Noninterest expense to average assets | 3.2618% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8268% | 3,051 |
| Return on assets (ROA) | 0.8268% | 3,090 |
| Pretax return on assets | 1.5683% | 1,392 |
| Return on Equity (ROE) | 8.1037% | 2,752 |
| Retained earnings to average equity (ytd only) | 8.1037% | 729 |
| Net charge-offs to loans | 0.1156% | 1,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 19.9661% | 1,994 |
| Efficiency ratio | 67.5303% | 2,990 |
| Assets per employee ($millions) | 3.2479% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0567% | 481 |
| Loan loss allowance to noncurrent loans | 248.4848% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 2,062 |
| Noncurrent loans to loans | 0.8277% | 2,150 |
| Net loans and leases to total assets | 67.9553% | 2,824 |
| Net loans and leases to deposits | 77.1466% | 3,212 |
| Net loans and leases to core deposits | 81.0875% | 3,326 |
| Total domestic deposits to total assets | 88.0860% | 1,455 |
| Equity capital to assets | 10.6704% | 2,973 |
| Core capital (leverage) ratio | 10.6438% | 2,704 |
| Tier 1 risk-based capital ratio | 17.4826% | 1,946 |
| Total risk-based capital ratio | 18.7459% | 1,895 |
| Memoranda: | ||
| Average total assets | $75,112,200 | 4,690 |
| Average earning assets | $70,031,600 | 4,665 |
| Average equity | $7,663,200 | 4,834 |
| Average total loans | $51,055,400 | 4,430 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 1,285 |
| Cost of funding earning assets | 0.4416% | 2,793 |
| Net interest margin | 4.1933% | 1,166 |
| Noninterest income to average assets | 0.8119% | 1,542 |
| Noninterest expense to average assets | 3.1837% | 1,593 |
| Loan and lease loss provision to assets | 0.2127% | 889 |
| Net operating income to assets | 0.8438% | 3,302 |
| Return on assets (ROA) | 0.8438% | 3,350 |
| Pretax return on assets | 1.3206% | 2,393 |
| Return on Equity (ROE) | 8.3658% | 2,946 |
| Retained earnings to average equity (ytd only) | 8.3658% | 1,068 |
| Net charge-offs to loans | 0.1625% | 1,267 |
| Credit loss provision to net charge-offs | 193.5484% | 1,375 |
| Earnings coverage of net charge-offs (x) | 13.9523% | 2,324 |
| Efficiency ratio | 67.4934% | 2,967 |
| Assets per employee ($millions) | 3.2708% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2485% | 378 |
| Loan loss allowance to noncurrent loans | 265.2466% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 2,100 |
| Noncurrent loans to loans | 0.8477% | 2,246 |
| Net loans and leases to total assets | 68.3655% | 2,786 |
| Net loans and leases to deposits | 77.2350% | 3,249 |
| Net loans and leases to core deposits | 81.4681% | 3,330 |
| Total domestic deposits to total assets | 88.5162% | 1,112 |
| Equity capital to assets | 10.4030% | 3,475 |
| Core capital (leverage) ratio | 10.6486% | 2,828 |
| Tier 1 risk-based capital ratio | 16.8675% | 2,194 |
| Total risk-based capital ratio | 18.1326% | 2,147 |
| Memoranda: | ||
| Average total assets | $75,214,750 | 4,732 |
| Average earning assets | $70,047,250 | 4,714 |
| Average equity | $7,586,250 | 4,893 |
| Average total loans | $50,861,750 | 4,482 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 1,262 |
| Cost of funding earning assets | 0.4368% | 2,736 |
| Net interest margin | 4.1565% | 1,182 |
| Noninterest income to average assets | 0.8642% | 1,379 |
| Noninterest expense to average assets | 3.1432% | 1,720 |
| Loan and lease loss provision to assets | 0.3191% | 468 |
| Net operating income to assets | 0.8111% | 3,353 |
| Return on assets (ROA) | 0.8111% | 3,405 |
| Pretax return on assets | 1.2738% | 2,484 |
| Return on Equity (ROE) | 8.1265% | 2,953 |
| Retained earnings to average equity (ytd only) | 8.1265% | 1,114 |
| Net charge-offs to loans | -0.0358% | 5,032 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3672% | 3,290 |
| Assets per employee ($millions) | 3.4103% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4042% | 320 |
| Loan loss allowance to noncurrent loans | 175.3846% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 1.1956% | 1,420 |
| Noncurrent loans to loans | 1.3708% | 1,411 |
| Net loans and leases to total assets | 67.8498% | 2,837 |
| Net loans and leases to deposits | 76.3411% | 3,303 |
| Net loans and leases to core deposits | 80.5179% | 3,381 |
| Total domestic deposits to total assets | 88.8772% | 1,020 |
| Equity capital to assets | 10.2045% | 3,666 |
| Core capital (leverage) ratio | 10.2866% | 3,162 |
| Tier 1 risk-based capital ratio | 16.4550% | 2,339 |
| Total risk-based capital ratio | 17.7230% | 2,282 |
| Memoranda: | ||
| Average total assets | $75,210,330 | 4,762 |
| Average earning assets | $70,059,330 | 4,747 |
| Average equity | $7,506,330 | 4,927 |
| Average total loans | $50,278,000 | 4,521 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 1,361 |
| Cost of funding earning assets | 0.4219% | 2,799 |
| Net interest margin | 4.0824% | 1,262 |
| Noninterest income to average assets | 0.9455% | 1,117 |
| Noninterest expense to average assets | 3.0915% | 1,888 |
| Loan and lease loss provision to assets | 0.3187% | 393 |
| Net operating income to assets | 0.8446% | 3,017 |
| Return on assets (ROA) | 0.8446% | 3,061 |
| Pretax return on assets | 1.3386% | 2,105 |
| Return on Equity (ROE) | 8.5582% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.5582% | 1,252 |
| Net charge-offs to loans | -0.0568% | 5,241 |
| Credit loss provision to net charge-offs | -857.1429% | 4,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1007% | 3,648 |
| Assets per employee ($millions) | 3.4093% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3903% | 359 |
| Loan loss allowance to noncurrent loans | 165.7858% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.2013% | 1,468 |
| Noncurrent loans to loans | 1.4418% | 1,397 |
| Net loans and leases to total assets | 64.8992% | 3,131 |
| Net loans and leases to deposits | 72.7608% | 3,536 |
| Net loans and leases to core deposits | 76.7268% | 3,584 |
| Total domestic deposits to total assets | 89.1952% | 1,051 |
| Equity capital to assets | 10.0141% | 3,740 |
| Core capital (leverage) ratio | 10.2937% | 3,119 |
| Tier 1 risk-based capital ratio | 16.8242% | 2,239 |
| Total risk-based capital ratio | 18.0920% | 2,204 |
| Memoranda: | ||
| Average total assets | $75,302,500 | 4,812 |
| Average earning assets | $70,155,500 | 4,786 |
| Average equity | $7,431,500 | 4,980 |
| Average total loans | $49,337,500 | 4,581 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4363% | 1,725 |
| Cost of funding earning assets | 0.4595% | 2,449 |
| Net interest margin | 3.9767% | 1,707 |
| Noninterest income to average assets | 0.7749% | 1,855 |
| Noninterest expense to average assets | 3.5092% | 1,150 |
| Loan and lease loss provision to assets | 0.5826% | 224 |
| Net operating income to assets | 0.2574% | 5,307 |
| Return on assets (ROA) | 0.2574% | 5,375 |
| Pretax return on assets | 0.3473% | 5,306 |
| Return on Equity (ROE) | 2.5772% | 5,274 |
| Retained earnings to average equity (ytd only) | 2.5772% | 4,051 |
| Net charge-offs to loans | 0.4755% | 520 |
| Credit loss provision to net charge-offs | 185.4626% | 1,518 |
| Earnings coverage of net charge-offs (x) | 2.9604% | 3,740 |
| Efficiency ratio | 79.0524% | 1,547 |
| Assets per employee ($millions) | 3.4364% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3050% | 395 |
| Loan loss allowance to noncurrent loans | 143.1298% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.2804% | 1,388 |
| Noncurrent loans to loans | 1.6105% | 1,220 |
| Net loans and leases to total assets | 63.0693% | 3,474 |
| Net loans and leases to deposits | 70.3841% | 3,867 |
| Net loans and leases to core deposits | 74.1701% | 3,908 |
| Total domestic deposits to total assets | 89.6073% | 822 |
| Equity capital to assets | 9.7247% | 4,036 |
| Core capital (leverage) ratio | 9.9684% | 3,524 |
| Tier 1 risk-based capital ratio | 16.7613% | 2,245 |
| Total risk-based capital ratio | 18.0266% | 2,188 |
| Memoranda: | ||
| Average total assets | $72,266,200 | 4,883 |
| Average earning assets | $66,587,400 | 4,880 |
| Average equity | $7,217,200 | 5,058 |
| Average total loans | $47,742,600 | 4,645 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 1,662 |
| Cost of funding earning assets | 0.4652% | 2,419 |
| Net interest margin | 3.9957% | 1,671 |
| Noninterest income to average assets | 0.7671% | 1,900 |
| Noninterest expense to average assets | 3.5090% | 1,137 |
| Loan and lease loss provision to assets | 0.6738% | 169 |
| Net operating income to assets | 0.1493% | 5,557 |
| Return on assets (ROA) | 0.1493% | 5,616 |
| Pretax return on assets | 0.2557% | 5,503 |
| Return on Equity (ROE) | 1.4848% | 5,563 |
| Retained earnings to average equity (ytd only) | 1.4848% | 4,920 |
| Net charge-offs to loans | 0.6543% | 304 |
| Credit loss provision to net charge-offs | 154.9356% | 1,738 |
| Earnings coverage of net charge-offs (x) | 2.1373% | 3,615 |
| Efficiency ratio | 79.0580% | 1,548 |
| Assets per employee ($millions) | 3.3537% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1457% | 559 |
| Loan loss allowance to noncurrent loans | 106.1122% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.8189% | 900 |
| Noncurrent loans to loans | 2.0221% | 964 |
| Net loans and leases to total assets | 65.4572% | 3,209 |
| Net loans and leases to deposits | 73.4759% | 3,642 |
| Net loans and leases to core deposits | 77.5724% | 3,701 |
| Total domestic deposits to total assets | 89.0866% | 860 |
| Equity capital to assets | 9.8223% | 4,335 |
| Core capital (leverage) ratio | 10.2005% | 3,332 |
| Tier 1 risk-based capital ratio | 16.3385% | 2,474 |
| Total risk-based capital ratio | 17.6017% | 2,427 |
| Memoranda: | ||
| Average total assets | $71,432,500 | 4,945 |
| Average earning assets | $65,635,500 | 4,944 |
| Average equity | $7,183,500 | 5,110 |
| Average total loans | $47,476,750 | 4,683 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 1,669 |
| Cost of funding earning assets | 0.4648% | 2,426 |
| Net interest margin | 3.9866% | 1,682 |
| Noninterest income to average assets | 0.7728% | 1,835 |
| Noninterest expense to average assets | 3.5584% | 1,071 |
| Loan and lease loss provision to assets | 0.8521% | 120 |
| Net operating income to assets | 0.0085% | 5,763 |
| Return on assets (ROA) | 0.0085% | 5,787 |
| Pretax return on assets | 0.0283% | 5,774 |
| Return on Equity (ROE) | 0.0838% | 5,787 |
| Retained earnings to average equity (ytd only) | 0.0838% | 5,268 |
| Net charge-offs to loans | 0.8282% | 237 |
| Credit loss provision to net charge-offs | 155.1546% | 1,550 |
| Earnings coverage of net charge-offs (x) | 1.6031% | 3,389 |
| Efficiency ratio | 80.1658% | 1,474 |
| Assets per employee ($millions) | 3.2197% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1657% | 570 |
| Loan loss allowance to noncurrent loans | 111.0160% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.7704% | 983 |
| Noncurrent loans to loans | 1.9508% | 1,025 |
| Net loans and leases to total assets | 66.1980% | 3,052 |
| Net loans and leases to deposits | 74.2318% | 3,566 |
| Net loans and leases to core deposits | 78.5467% | 3,599 |
| Total domestic deposits to total assets | 89.1774% | 830 |
| Equity capital to assets | 10.1252% | 4,065 |
| Core capital (leverage) ratio | 10.3173% | 3,170 |
| Tier 1 risk-based capital ratio | 16.4083% | 2,465 |
| Total risk-based capital ratio | 17.6722% | 2,401 |
| Memoranda: | ||
| Average total assets | $70,649,670 | 5,011 |
| Average earning assets | $64,967,670 | 5,008 |
| Average equity | $7,162,330 | 5,164 |
| Average total loans | $46,851,000 | 4,744 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 1,699 |
| Cost of funding earning assets | 0.4756% | 2,324 |
| Net interest margin | 3.9595% | 1,746 |
| Noninterest income to average assets | 0.7370% | 1,869 |
| Noninterest expense to average assets | 3.2711% | 1,665 |
| Loan and lease loss provision to assets | 1.3663% | 65 |
| Net operating income to assets | -0.1417% | 5,862 |
| Return on assets (ROA) | -0.1417% | 5,881 |
| Pretax return on assets | -0.2664% | 5,905 |
| Return on Equity (ROE) | -1.3971% | 5,885 |
| Retained earnings to average equity (ytd only) | -1.3971% | 5,326 |
| Net charge-offs to loans | -0.0518% | 5,346 |
| Credit loss provision to net charge-offs | -4,016.6667% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8379% | 2,347 |
| Assets per employee ($millions) | 3.2291% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5210% | 380 |
| Loan loss allowance to noncurrent loans | 171.2209% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 1.6286% | 1,213 |
| Noncurrent loans to loans | 1.4724% | 1,599 |
| Net loans and leases to total assets | 64.1165% | 3,226 |
| Net loans and leases to deposits | 71.7985% | 3,669 |
| Net loans and leases to core deposits | 76.7128% | 3,609 |
| Total domestic deposits to total assets | 89.3005% | 948 |
| Equity capital to assets | 10.0562% | 4,005 |
| Core capital (leverage) ratio | 10.2955% | 3,201 |
| Tier 1 risk-based capital ratio | 16.7252% | 2,388 |
| Total risk-based capital ratio | 17.9929% | 2,329 |
| Memoranda: | ||
| Average total assets | $70,558,000 | 5,057 |
| Average earning assets | $64,756,000 | 5,054 |
| Average equity | $7,157,500 | 5,200 |
| Average total loans | $46,312,500 | 4,795 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 1,276 |
| Cost of funding earning assets | 0.4824% | 2,334 |
| Net interest margin | 4.1408% | 1,306 |
| Noninterest income to average assets | 0.9672% | 1,268 |
| Noninterest expense to average assets | 3.6144% | 1,105 |
| Loan and lease loss provision to assets | 0.0074% | 4,249 |
| Net operating income to assets | 0.6936% | 3,843 |
| Return on assets (ROA) | 0.6936% | 3,953 |
| Pretax return on assets | 1.1535% | 2,828 |
| Return on Equity (ROE) | 6.5613% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.5613% | 1,503 |
| Net charge-offs to loans | 1.2797% | 132 |
| Credit loss provision to net charge-offs | 0.8389% | 3,890 |
| Earnings coverage of net charge-offs (x) | 1.3171% | 4,108 |
| Efficiency ratio | 75.6891% | 2,325 |
| Assets per employee ($millions) | 3.2015% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 3,197 |
| Loan loss allowance to noncurrent loans | 119.6653% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.3445% | 1,567 |
| Noncurrent loans to loans | 1.0414% | 2,250 |
| Net loans and leases to total assets | 64.3524% | 3,222 |
| Net loans and leases to deposits | 72.5832% | 3,658 |
| Net loans and leases to core deposits | 77.6343% | 3,589 |
| Total domestic deposits to total assets | 88.6603% | 1,302 |
| Equity capital to assets | 10.4751% | 3,388 |
| Core capital (leverage) ratio | 10.7428% | 2,666 |
| Tier 1 risk-based capital ratio | 17.5344% | 2,115 |
| Total risk-based capital ratio | 18.7848% | 2,066 |
| Memoranda: | ||
| Average total assets | $67,618,600 | 5,141 |
| Average earning assets | $62,186,600 | 5,124 |
| Average equity | $7,148,000 | 5,216 |
| Average total loans | $46,573,800 | 4,772 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6679% | 1,158 |
| Cost of funding earning assets | 0.4828% | 2,380 |
| Net interest margin | 4.1851% | 1,198 |
| Noninterest income to average assets | 0.9644% | 1,277 |
| Noninterest expense to average assets | 3.5527% | 1,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7592% | 3,638 |
| Return on assets (ROA) | 0.7592% | 3,739 |
| Pretax return on assets | 1.2633% | 2,539 |
| Return on Equity (ROE) | 7.1644% | 3,536 |
| Retained earnings to average equity (ytd only) | 7.1644% | 1,616 |
| Net charge-offs to loans | 1.6259% | 82 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.1123% | 3,882 |
| Efficiency ratio | 73.7691% | 2,597 |
| Assets per employee ($millions) | 3.0677% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 3,204 |
| Loan loss allowance to noncurrent loans | 63.3547% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 2.0818% | 957 |
| Noncurrent loans to loans | 2.0211% | 1,141 |
| Net loans and leases to total assets | 67.7429% | 2,720 |
| Net loans and leases to deposits | 76.7406% | 3,225 |
| Net loans and leases to core deposits | 82.5193% | 3,196 |
| Total domestic deposits to total assets | 88.2751% | 1,412 |
| Equity capital to assets | 10.8062% | 3,231 |
| Core capital (leverage) ratio | 11.0942% | 2,393 |
| Tier 1 risk-based capital ratio | 16.8380% | 2,425 |
| Total risk-based capital ratio | 18.0902% | 2,386 |
| Memoranda: | ||
| Average total assets | $66,914,750 | 5,223 |
| Average earning assets | $61,581,750 | 5,204 |
| Average equity | $7,090,500 | 5,294 |
| Average total loans | $46,742,750 | 4,819 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 1,156 |
| Cost of funding earning assets | 0.4854% | 2,386 |
| Net interest margin | 4.1700% | 1,170 |
| Noninterest income to average assets | 0.9292% | 1,357 |
| Noninterest expense to average assets | 3.6359% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6774% | 3,988 |
| Return on assets (ROA) | 0.6774% | 4,101 |
| Pretax return on assets | 1.1300% | 3,050 |
| Return on Equity (ROE) | 6.4360% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.4360% | 1,983 |
| Net charge-offs to loans | 1.1858% | 158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.3561% | 3,533 |
| Efficiency ratio | 76.2893% | 2,312 |
| Assets per employee ($millions) | 3.3675% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8692% | 1,228 |
| Loan loss allowance to noncurrent loans | 161.4964% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.5234% | 1,608 |
| Noncurrent loans to loans | 1.1574% | 2,332 |
| Net loans and leases to total assets | 68.9859% | 2,485 |
| Net loans and leases to deposits | 77.8414% | 3,051 |
| Net loans and leases to core deposits | 83.6897% | 3,011 |
| Total domestic deposits to total assets | 88.6236% | 1,345 |
| Equity capital to assets | 10.5954% | 3,330 |
| Core capital (leverage) ratio | 10.9301% | 2,497 |
| Tier 1 risk-based capital ratio | 16.3567% | 2,682 |
| Total risk-based capital ratio | 17.6156% | 2,634 |
| Memoranda: | ||
| Average total assets | $66,723,330 | 5,286 |
| Average earning assets | $61,390,670 | 5,267 |
| Average equity | $7,023,000 | 5,353 |
| Average total loans | $46,886,330 | 4,859 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 1,195 |
| Cost of funding earning assets | 0.4845% | 2,423 |
| Net interest margin | 4.1247% | 1,218 |
| Noninterest income to average assets | 0.8071% | 1,686 |
| Noninterest expense to average assets | 3.4633% | 1,385 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6746% | 3,922 |
| Return on assets (ROA) | 0.6746% | 4,042 |
| Pretax return on assets | 1.1384% | 2,912 |
| Return on Equity (ROE) | 6.4308% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.4308% | 2,271 |
| Net charge-offs to loans | 0.0600% | 2,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,223 |
| Efficiency ratio | 75.2618% | 2,616 |
| Assets per employee ($millions) | 3.2116% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4925% | 535 |
| Loan loss allowance to noncurrent loans | 74.1977% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 2.9610% | 640 |
| Noncurrent loans to loans | 3.3592% | 598 |
| Net loans and leases to total assets | 67.0551% | 2,600 |
| Net loans and leases to deposits | 75.3194% | 3,132 |
| Net loans and leases to core deposits | 81.3733% | 3,020 |
| Total domestic deposits to total assets | 89.0278% | 1,251 |
| Equity capital to assets | 10.4147% | 3,631 |
| Core capital (leverage) ratio | 10.8911% | 2,527 |
| Tier 1 risk-based capital ratio | 15.5943% | 3,106 |
| Total risk-based capital ratio | 16.8585% | 3,037 |
| Memoranda: | ||
| Average total assets | $66,410,000 | 5,345 |
| Average earning assets | $61,096,000 | 5,326 |
| Average equity | $6,966,500 | 5,407 |
| Average total loans | $46,656,000 | 4,893 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1360% | 588 |
| Cost of funding earning assets | 0.5285% | 2,404 |
| Net interest margin | 4.6075% | 613 |
| Noninterest income to average assets | 0.9797% | 1,261 |
| Noninterest expense to average assets | 3.6611% | 1,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8446% | 3,142 |
| Return on assets (ROA) | 0.8446% | 3,241 |
| Pretax return on assets | 1.3927% | 1,910 |
| Return on Equity (ROE) | 8.2071% | 3,020 |
| Retained earnings to average equity (ytd only) | 8.2071% | 944 |
| Net charge-offs to loans | 0.0966% | 3,123 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 19.9333% | 1,743 |
| Efficiency ratio | 72.4424% | 3,126 |
| Assets per employee ($millions) | 3.1132% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4781% | 563 |
| Loan loss allowance to noncurrent loans | 107.6852% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 2.3234% | 1,023 |
| Noncurrent loans to loans | 2.3012% | 1,133 |
| Net loans and leases to total assets | 70.0078% | 2,238 |
| Net loans and leases to deposits | 78.8319% | 2,860 |
| Net loans and leases to core deposits | 84.9604% | 2,785 |
| Total domestic deposits to total assets | 88.8065% | 1,348 |
| Equity capital to assets | 10.5679% | 3,400 |
| Core capital (leverage) ratio | 10.4848% | 2,962 |
| Tier 1 risk-based capital ratio | 15.4755% | 3,236 |
| Total risk-based capital ratio | 16.7423% | 3,163 |
| Memoranda: | ||
| Average total assets | $64,407,600 | 5,438 |
| Average earning assets | $56,951,000 | 5,488 |
| Average equity | $6,628,400 | 5,496 |
| Average total loans | $46,596,800 | 4,932 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 554 |
| Cost of funding earning assets | 0.5339% | 2,426 |
| Net interest margin | 4.6342% | 576 |
| Noninterest income to average assets | 0.9808% | 1,281 |
| Noninterest expense to average assets | 3.6364% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8436% | 3,213 |
| Return on assets (ROA) | 0.8436% | 3,305 |
| Pretax return on assets | 1.4026% | 1,996 |
| Return on Equity (ROE) | 8.2540% | 3,063 |
| Retained earnings to average equity (ytd only) | 8.2540% | 1,242 |
| Net charge-offs to loans | 0.1577% | 2,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 12.2730% | 2,335 |
| Efficiency ratio | 72.1649% | 3,148 |
| Assets per employee ($millions) | 3.1723% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3253% | 803 |
| Loan loss allowance to noncurrent loans | 97.2175% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.4633% | 1,085 |
| Noncurrent loans to loans | 2.3919% | 1,243 |
| Net loans and leases to total assets | 72.7011% | 1,728 |
| Net loans and leases to deposits | 81.5011% | 2,487 |
| Net loans and leases to core deposits | 88.6351% | 2,363 |
| Total domestic deposits to total assets | 89.2026% | 1,127 |
| Equity capital to assets | 10.1669% | 3,970 |
| Core capital (leverage) ratio | 10.6513% | 2,861 |
| Tier 1 risk-based capital ratio | 14.5407% | 3,863 |
| Total risk-based capital ratio | 15.8068% | 3,795 |
| Memoranda: | ||
| Average total assets | $64,165,250 | 5,508 |
| Average earning assets | $56,190,000 | 5,574 |
| Average equity | $6,558,250 | 5,563 |
| Average total loans | $46,513,000 | 4,982 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1451% | 562 |
| Cost of funding earning assets | 0.5399% | 2,436 |
| Net interest margin | 4.6052% | 576 |
| Noninterest income to average assets | 0.9977% | 1,207 |
| Noninterest expense to average assets | 3.7318% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7640% | 3,493 |
| Return on assets (ROA) | 0.7640% | 3,600 |
| Pretax return on assets | 1.2787% | 2,340 |
| Return on Equity (ROE) | 7.4615% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.4615% | 1,535 |
| Net charge-offs to loans | 0.0835% | 2,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 21.3158% | 1,549 |
| Efficiency ratio | 74.4802% | 2,895 |
| Assets per employee ($millions) | 3.0112% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4451% | 772 |
| Loan loss allowance to noncurrent loans | 167.4648% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 2.3009% | 1,298 |
| Noncurrent loans to loans | 1.4601% | 2,368 |
| Net loans and leases to total assets | 75.0202% | 1,304 |
| Net loans and leases to deposits | 84.3675% | 1,999 |
| Net loans and leases to core deposits | 92.6597% | 1,887 |
| Total domestic deposits to total assets | 88.9207% | 1,402 |
| Equity capital to assets | 10.4499% | 3,503 |
| Core capital (leverage) ratio | 10.4468% | 3,016 |
| Tier 1 risk-based capital ratio | 14.4611% | 3,954 |
| Total risk-based capital ratio | 15.7285% | 3,884 |
| Memoranda: | ||
| Average total assets | $63,347,670 | 5,578 |
| Average earning assets | $55,198,000 | 5,653 |
| Average equity | $6,486,670 | 5,604 |
| Average total loans | $45,489,000 | 5,053 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0302% | 678 |
| Cost of funding earning assets | 0.5314% | 2,591 |
| Net interest margin | 4.4988% | 660 |
| Noninterest income to average assets | 0.9085% | 1,362 |
| Noninterest expense to average assets | 3.3815% | 1,748 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8454% | 2,927 |
| Return on assets (ROA) | 0.8454% | 3,003 |
| Pretax return on assets | 1.4258% | 1,655 |
| Return on Equity (ROE) | 8.3411% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.3411% | 1,476 |
| Net charge-offs to loans | 0.1822% | 1,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.3000% | 1,790 |
| Efficiency ratio | 70.3412% | 3,772 |
| Assets per employee ($millions) | 3.0655% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6895% | 635 |
| Loan loss allowance to noncurrent loans | 156.9353% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 2.2990% | 1,424 |
| Noncurrent loans to loans | 1.7138% | 2,264 |
| Net loans and leases to total assets | 66.7687% | 2,439 |
| Net loans and leases to deposits | 74.7582% | 2,979 |
| Net loans and leases to core deposits | 81.9286% | 2,743 |
| Total domestic deposits to total assets | 89.3128% | 1,467 |
| Equity capital to assets | 10.0892% | 3,737 |
| Core capital (leverage) ratio | 10.3691% | 3,096 |
| Tier 1 risk-based capital ratio | 15.3444% | 3,525 |
| Total risk-based capital ratio | 16.6147% | 3,466 |
| Memoranda: | ||
| Average total assets | $63,404,000 | 5,632 |
| Average earning assets | $54,948,500 | 5,706 |
| Average equity | $6,426,000 | 5,657 |
| Average total loans | $43,919,500 | 5,168 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 834 |
| Cost of funding earning assets | 0.5806% | 2,830 |
| Net interest margin | 4.4672% | 793 |
| Noninterest income to average assets | 1.2417% | 904 |
| Noninterest expense to average assets | 3.8840% | 1,011 |
| Loan and lease loss provision to assets | 0.0963% | 3,197 |
| Net operating income to assets | 0.7348% | 3,635 |
| Return on assets (ROA) | 0.7348% | 3,714 |
| Pretax return on assets | 1.2112% | 2,533 |
| Return on Equity (ROE) | 7.4129% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.4129% | 1,272 |
| Net charge-offs to loans | 0.5358% | 1,238 |
| Credit loss provision to net charge-offs | 25.8621% | 4,332 |
| Earnings coverage of net charge-offs (x) | 3.5129% | 3,831 |
| Efficiency ratio | 74.8146% | 2,989 |
| Assets per employee ($millions) | 2.9730% | 5,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7663% | 628 |
| Loan loss allowance to noncurrent loans | 182.4773% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 2.2184% | 1,611 |
| Noncurrent loans to loans | 1.5160% | 2,622 |
| Net loans and leases to total assets | 68.0100% | 2,356 |
| Net loans and leases to deposits | 76.2914% | 2,934 |
| Net loans and leases to core deposits | 83.8749% | 2,687 |
| Total domestic deposits to total assets | 89.1450% | 1,520 |
| Equity capital to assets | 10.1823% | 3,533 |
| Core capital (leverage) ratio | 10.0560% | 3,492 |
| Tier 1 risk-based capital ratio | 14.1563% | 4,185 |
| Total risk-based capital ratio | 15.4252% | 4,113 |
| Memoranda: | ||
| Average total assets | $62,332,400 | 5,694 |
| Average earning assets | $55,113,400 | 5,729 |
| Average equity | $6,178,400 | 5,770 |
| Average total loans | $43,298,200 | 5,225 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 866 |
| Cost of funding earning assets | 0.5879% | 2,921 |
| Net interest margin | 4.4489% | 809 |
| Noninterest income to average assets | 1.3374% | 823 |
| Noninterest expense to average assets | 3.6549% | 1,317 |
| Loan and lease loss provision to assets | 0.1284% | 2,680 |
| Net operating income to assets | 0.8945% | 2,860 |
| Return on assets (ROA) | 0.8945% | 2,979 |
| Pretax return on assets | 1.4894% | 1,643 |
| Return on Equity (ROE) | 9.0861% | 2,594 |
| Retained earnings to average equity (ytd only) | 9.0861% | 1,034 |
| Net charge-offs to loans | 0.2777% | 2,160 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 8.3998% | 2,628 |
| Efficiency ratio | 69.3182% | 3,868 |
| Assets per employee ($millions) | 2.8907% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1448% | 477 |
| Loan loss allowance to noncurrent loans | 99.2647% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 3.5302% | 960 |
| Noncurrent loans to loans | 3.1681% | 1,241 |
| Net loans and leases to total assets | 65.3794% | 2,738 |
| Net loans and leases to deposits | 73.1196% | 3,376 |
| Net loans and leases to core deposits | 81.3055% | 2,961 |
| Total domestic deposits to total assets | 89.4143% | 1,349 |
| Equity capital to assets | 9.9285% | 4,011 |
| Core capital (leverage) ratio | 10.1690% | 3,445 |
| Tier 1 risk-based capital ratio | 14.7641% | 3,903 |
| Total risk-based capital ratio | 16.0378% | 3,844 |
| Memoranda: | ||
| Average total assets | $62,307,500 | 5,756 |
| Average earning assets | $55,113,250 | 5,785 |
| Average equity | $6,133,750 | 5,855 |
| Average total loans | $43,205,750 | 5,272 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0847% | 796 |
| Cost of funding earning assets | 0.6066% | 2,879 |
| Net interest margin | 4.4781% | 737 |
| Noninterest income to average assets | 1.4642% | 738 |
| Noninterest expense to average assets | 3.4843% | 1,642 |
| Loan and lease loss provision to assets | 0.1939% | 1,959 |
| Net operating income to assets | 1.0343% | 2,187 |
| Return on assets (ROA) | 1.0343% | 2,302 |
| Pretax return on assets | 1.7227% | 1,062 |
| Return on Equity (ROE) | 10.5373% | 2,001 |
| Retained earnings to average equity (ytd only) | 10.5373% | 735 |
| Net charge-offs to loans | 0.2910% | 2,025 |
| Credit loss provision to net charge-offs | 95.2381% | 2,328 |
| Earnings coverage of net charge-offs (x) | 9.4127% | 2,289 |
| Efficiency ratio | 64.5123% | 4,786 |
| Assets per employee ($millions) | 2.8840% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2826% | 445 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 3.4595% | 1,120 |
| Noncurrent loans to loans | 2.9178% | 1,537 |
| Net loans and leases to total assets | 63.9443% | 2,919 |
| Net loans and leases to deposits | 71.3743% | 3,534 |
| Net loans and leases to core deposits | 79.9118% | 3,035 |
| Total domestic deposits to total assets | 89.5901% | 1,272 |
| Equity capital to assets | 9.7795% | 4,204 |
| Core capital (leverage) ratio | 9.4612% | 4,303 |
| Tier 1 risk-based capital ratio | 13.7315% | 4,620 |
| Total risk-based capital ratio | 15.0064% | 4,573 |
| Memoranda: | ||
| Average total assets | $61,878,330 | 5,806 |
| Average earning assets | $54,398,330 | 5,849 |
| Average equity | $6,073,670 | 5,911 |
| Average total loans | $43,298,330 | 5,291 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 584 |
| Cost of funding earning assets | 0.6500% | 2,657 |
| Net interest margin | 4.5725% | 587 |
| Noninterest income to average assets | 1.7220% | 535 |
| Noninterest expense to average assets | 3.4963% | 1,631 |
| Loan and lease loss provision to assets | 0.2946% | 1,185 |
| Net operating income to assets | 1.1851% | 1,569 |
| Return on assets (ROA) | 1.1851% | 1,680 |
| Pretax return on assets | 1.9380% | 677 |
| Return on Equity (ROE) | 12.0506% | 1,408 |
| Retained earnings to average equity (ytd only) | 12.0506% | 696 |
| Net charge-offs to loans | 0.2638% | 1,905 |
| Credit loss provision to net charge-offs | 155.1724% | 1,332 |
| Earnings coverage of net charge-offs (x) | 11.7586% | 1,650 |
| Efficiency ratio | 61.0286% | 5,440 |
| Assets per employee ($millions) | 2.7569% | 6,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2257% | 531 |
| Loan loss allowance to noncurrent loans | 206.5089% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 2.7468% | 1,655 |
| Noncurrent loans to loans | 1.5620% | 3,201 |
| Net loans and leases to total assets | 69.0513% | 1,836 |
| Net loans and leases to deposits | 77.3297% | 2,445 |
| Net loans and leases to core deposits | 88.2579% | 1,879 |
| Total domestic deposits to total assets | 89.2947% | 1,493 |
| Equity capital to assets | 10.0524% | 4,079 |
| Core capital (leverage) ratio | 9.3896% | 4,261 |
| Tier 1 risk-based capital ratio | 13.9876% | 4,510 |
| Total risk-based capital ratio | 15.2634% | 4,453 |
| Memoranda: | ||
| Average total assets | $61,093,000 | 5,881 |
| Average earning assets | $53,537,500 | 5,918 |
| Average equity | $6,008,000 | 5,979 |
| Average total loans | $43,973,000 | 5,299 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4904% | 634 |
| Cost of funding earning assets | 0.7711% | 2,906 |
| Net interest margin | 4.7193% | 631 |
| Noninterest income to average assets | 1.0196% | 1,480 |
| Noninterest expense to average assets | 3.7323% | 1,354 |
| Loan and lease loss provision to assets | 0.9015% | 497 |
| Net operating income to assets | 0.3326% | 5,358 |
| Return on assets (ROA) | 0.3326% | 5,567 |
| Pretax return on assets | 0.5389% | 5,165 |
| Return on Equity (ROE) | 3.4051% | 5,391 |
| Retained earnings to average equity (ytd only) | 3.4051% | 3,829 |
| Net charge-offs to loans | 0.6316% | 1,858 |
| Credit loss provision to net charge-offs | 192.1986% | 1,362 |
| Earnings coverage of net charge-offs (x) | 3.0709% | 3,900 |
| Efficiency ratio | 72.1543% | 3,388 |
| Assets per employee ($millions) | 3.0767% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0894% | 611 |
| Loan loss allowance to noncurrent loans | 170.5810% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 2.8635% | 1,668 |
| Noncurrent loans to loans | 1.8111% | 2,903 |
| Net loans and leases to total assets | 70.3497% | 1,772 |
| Net loans and leases to deposits | 78.4591% | 2,471 |
| Net loans and leases to core deposits | 89.4956% | 1,893 |
| Total domestic deposits to total assets | 89.6643% | 1,145 |
| Equity capital to assets | 9.6191% | 4,711 |
| Core capital (leverage) ratio | 9.5573% | 4,025 |
| Tier 1 risk-based capital ratio | 13.6809% | 4,616 |
| Total risk-based capital ratio | 14.9566% | 4,546 |
| Memoranda: | ||
| Average total assets | $60,123,600 | 5,919 |
| Average earning assets | $52,910,200 | 5,959 |
| Average equity | $5,873,600 | 6,056 |
| Average total loans | $44,645,000 | 5,300 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4774% | 717 |
| Cost of funding earning assets | 0.8044% | 2,904 |
| Net interest margin | 4.6729% | 711 |
| Noninterest income to average assets | 0.7651% | 2,408 |
| Noninterest expense to average assets | 3.7408% | 1,301 |
| Loan and lease loss provision to assets | 0.2454% | 2,603 |
| Net operating income to assets | 0.5822% | 4,468 |
| Return on assets (ROA) | 0.5822% | 4,743 |
| Pretax return on assets | 0.9123% | 4,059 |
| Return on Equity (ROE) | 5.9361% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.9361% | 2,740 |
| Net charge-offs to loans | 0.3943% | 2,514 |
| Credit loss provision to net charge-offs | 83.3333% | 3,513 |
| Earnings coverage of net charge-offs (x) | 3.9317% | 3,451 |
| Efficiency ratio | 76.3661% | 2,616 |
| Assets per employee ($millions) | 2.8989% | 6,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4247% | 1,311 |
| Loan loss allowance to noncurrent loans | 122.0000% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 3.6533% | 1,361 |
| Noncurrent loans to loans | 1.9875% | 2,853 |
| Net loans and leases to total assets | 72.5824% | 1,455 |
| Net loans and leases to deposits | 81.1333% | 2,230 |
| Net loans and leases to core deposits | 92.7148% | 1,706 |
| Total domestic deposits to total assets | 89.4607% | 1,151 |
| Equity capital to assets | 9.8313% | 4,734 |
| Core capital (leverage) ratio | 10.2198% | 3,264 |
| Tier 1 risk-based capital ratio | 13.8311% | 4,669 |
| Total risk-based capital ratio | 15.0970% | 4,611 |
| Memoranda: | ||
| Average total assets | $59,771,000 | 5,995 |
| Average earning assets | $52,871,000 | 6,031 |
| Average equity | $5,862,250 | 6,134 |
| Average total loans | $44,639,000 | 5,365 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4436% | 809 |
| Cost of funding earning assets | 0.8296% | 2,956 |
| Net interest margin | 4.6140% | 803 |
| Noninterest income to average assets | 0.8384% | 2,013 |
| Noninterest expense to average assets | 3.7036% | 1,363 |
| Loan and lease loss provision to assets | 0.2188% | 2,886 |
| Net operating income to assets | 0.6060% | 4,344 |
| Return on assets (ROA) | 0.6060% | 4,597 |
| Pretax return on assets | 1.0168% | 3,648 |
| Return on Equity (ROE) | 6.1842% | 4,220 |
| Retained earnings to average equity (ytd only) | 6.1842% | 2,578 |
| Net charge-offs to loans | 0.5132% | 2,045 |
| Credit loss provision to net charge-offs | 57.0175% | 3,882 |
| Earnings coverage of net charge-offs (x) | 3.2193% | 3,452 |
| Efficiency ratio | 74.9830% | 2,898 |
| Assets per employee ($millions) | 2.8172% | 6,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3592% | 1,483 |
| Loan loss allowance to noncurrent loans | 102.4880% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 3.8911% | 1,336 |
| Noncurrent loans to loans | 2.3019% | 2,603 |
| Net loans and leases to total assets | 74.9244% | 1,115 |
| Net loans and leases to deposits | 87.1993% | 1,450 |
| Net loans and leases to core deposits | 100.6700% | 1,054 |
| Total domestic deposits to total assets | 85.9232% | 3,392 |
| Equity capital to assets | 9.9880% | 4,357 |
| Core capital (leverage) ratio | 9.8658% | 3,628 |
| Tier 1 risk-based capital ratio | 13.7452% | 4,627 |
| Total risk-based capital ratio | 15.0103% | 4,593 |
| Memoranda: | ||
| Average total assets | $59,402,330 | 6,040 |
| Average earning assets | $52,796,000 | 6,070 |
| Average equity | $5,821,330 | 6,165 |
| Average total loans | $44,424,000 | 5,409 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2918% | 1,111 |
| Cost of funding earning assets | 0.8344% | 3,192 |
| Net interest margin | 4.4575% | 1,095 |
| Noninterest income to average assets | 0.8400% | 1,981 |
| Noninterest expense to average assets | 3.4272% | 1,940 |
| Loan and lease loss provision to assets | 0.2016% | 2,924 |
| Net operating income to assets | 0.7459% | 3,646 |
| Return on assets (ROA) | 0.7459% | 3,882 |
| Pretax return on assets | 1.1962% | 2,926 |
| Return on Equity (ROE) | 7.6850% | 3,417 |
| Retained earnings to average equity (ytd only) | 7.6850% | 2,096 |
| Net charge-offs to loans | 1.0560% | 978 |
| Credit loss provision to net charge-offs | 25.8621% | 3,694 |
| Earnings coverage of net charge-offs (x) | 1.7931% | 3,440 |
| Efficiency ratio | 71.0306% | 3,614 |
| Assets per employee ($millions) | 2.9167% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4000% | 1,504 |
| Loan loss allowance to noncurrent loans | 81.8686% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 3.5037% | 1,642 |
| Noncurrent loans to loans | 2.9315% | 2,203 |
| Net loans and leases to total assets | 68.6531% | 1,999 |
| Net loans and leases to deposits | 79.3336% | 2,292 |
| Net loans and leases to core deposits | 91.2049% | 1,726 |
| Total domestic deposits to total assets | 86.5371% | 3,222 |
| Equity capital to assets | 9.5216% | 4,772 |
| Core capital (leverage) ratio | 9.7818% | 3,669 |
| Tier 1 risk-based capital ratio | 14.0274% | 4,457 |
| Total risk-based capital ratio | 15.2945% | 4,401 |
| Memoranda: | ||
| Average total assets | $59,523,000 | 6,080 |
| Average earning assets | $53,214,000 | 6,091 |
| Average equity | $5,777,500 | 6,206 |
| Average total loans | $43,937,500 | 5,467 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6983% | 783 |
| Cost of funding earning assets | 1.0324% | 3,145 |
| Net interest margin | 4.6659% | 805 |
| Noninterest income to average assets | 1.0879% | 1,120 |
| Noninterest expense to average assets | 4.3860% | 658 |
| Loan and lease loss provision to assets | 0.2069% | 4,114 |
| Net operating income to assets | 0.4465% | 4,664 |
| Return on assets (ROA) | 0.4465% | 4,867 |
| Pretax return on assets | 0.6482% | 4,517 |
| Return on Equity (ROE) | 4.6571% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.6571% | 2,882 |
| Net charge-offs to loans | 0.0747% | 5,573 |
| Credit loss provision to net charge-offs | 363.6364% | 639 |
| Earnings coverage of net charge-offs (x) | 15.0303% | 1,423 |
| Efficiency ratio | 83.6842% | 1,803 |
| Assets per employee ($millions) | 2.6271% | 6,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5005% | 1,315 |
| Loan loss allowance to noncurrent loans | 96.3027% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 3.4207% | 1,732 |
| Noncurrent loans to loans | 2.5965% | 2,518 |
| Net loans and leases to total assets | 75.5606% | 1,011 |
| Net loans and leases to deposits | 88.0127% | 1,379 |
| Net loans and leases to core deposits | 102.6973% | 983 |
| Total domestic deposits to total assets | 85.8520% | 3,398 |
| Equity capital to assets | 9.9021% | 4,305 |
| Core capital (leverage) ratio | 9.6690% | 3,780 |
| Tier 1 risk-based capital ratio | 13.7687% | 4,501 |
| Total risk-based capital ratio | 15.0375% | 4,450 |
| Memoranda: | ||
| Average total assets | $58,003,000 | 6,107 |
| Average earning assets | $51,629,400 | 6,133 |
| Average equity | $5,561,400 | 6,270 |
| Average total loans | $44,204,000 | 5,505 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7312% | 805 |
| Cost of funding earning assets | 1.0817% | 3,099 |
| Net interest margin | 4.6495% | 851 |
| Noninterest income to average assets | 0.9347% | 1,533 |
| Noninterest expense to average assets | 4.3980% | 639 |
| Loan and lease loss provision to assets | 0.1723% | 4,314 |
| Net operating income to assets | 0.3215% | 5,317 |
| Return on assets (ROA) | 0.3215% | 5,488 |
| Pretax return on assets | 0.5007% | 5,156 |
| Return on Equity (ROE) | 3.3809% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.3809% | 4,324 |
| Net charge-offs to loans | 0.0666% | 5,294 |
| Credit loss provision to net charge-offs | 340.9091% | 827 |
| Earnings coverage of net charge-offs (x) | 13.3195% | 1,627 |
| Efficiency ratio | 86.7301% | 1,459 |
| Assets per employee ($millions) | 2.6540% | 6,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4775% | 1,428 |
| Loan loss allowance to noncurrent loans | 75.0000% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 4.0504% | 1,512 |
| Noncurrent loans to loans | 3.3033% | 2,092 |
| Net loans and leases to total assets | 73.2141% | 1,467 |
| Net loans and leases to deposits | 84.9425% | 1,846 |
| Net loans and leases to core deposits | 98.8805% | 1,349 |
| Total domestic deposits to total assets | 86.1926% | 3,096 |
| Equity capital to assets | 9.6063% | 4,925 |
| Core capital (leverage) ratio | 9.2006% | 4,628 |
| Tier 1 risk-based capital ratio | 12.2644% | 5,690 |
| Total risk-based capital ratio | 13.5306% | 5,666 |
| Memoranda: | ||
| Average total assets | $58,054,750 | 6,148 |
| Average earning assets | $51,645,750 | 6,183 |
| Average equity | $5,521,000 | 6,328 |
| Average total loans | $44,057,250 | 5,557 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6479% | 969 |
| Cost of funding earning assets | 1.1404% | 2,970 |
| Net interest margin | 4.5075% | 1,116 |
| Noninterest income to average assets | 0.8629% | 1,762 |
| Noninterest expense to average assets | 4.6149% | 527 |
| Loan and lease loss provision to assets | 0.1035% | 5,015 |
| Net operating income to assets | 0.1208% | 5,963 |
| Return on assets (ROA) | 0.1208% | 6,051 |
| Pretax return on assets | 0.1553% | 6,010 |
| Return on Equity (ROE) | 1.2747% | 6,011 |
| Retained earnings to average equity (ytd only) | 1.2747% | 5,342 |
| Net charge-offs to loans | 0.1042% | 4,642 |
| Credit loss provision to net charge-offs | 130.4348% | 2,342 |
| Earnings coverage of net charge-offs (x) | 3.2609% | 3,240 |
| Efficiency ratio | 94.6884% | 936 |
| Assets per employee ($millions) | 2.8772% | 6,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3322% | 1,696 |
| Loan loss allowance to noncurrent loans | 87.4685% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 3.8371% | 1,687 |
| Noncurrent loans to loans | 2.6663% | 2,735 |
| Net loans and leases to total assets | 75.6877% | 1,122 |
| Net loans and leases to deposits | 88.7225% | 1,405 |
| Net loans and leases to core deposits | 102.7896% | 1,133 |
| Total domestic deposits to total assets | 85.3084% | 3,723 |
| Equity capital to assets | 9.5754% | 4,698 |
| Core capital (leverage) ratio | 8.8853% | 4,904 |
| Tier 1 risk-based capital ratio | 11.6417% | 6,063 |
| Total risk-based capital ratio | 12.9058% | 6,040 |
| Memoranda: | ||
| Average total assets | $57,943,330 | 6,209 |
| Average earning assets | $51,558,670 | 6,233 |
| Average equity | $5,491,670 | 6,367 |
| Average total loans | $44,131,330 | 5,609 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5277% | 1,230 |
| Cost of funding earning assets | 1.1613% | 3,080 |
| Net interest margin | 4.3664% | 1,373 |
| Noninterest income to average assets | 0.8668% | 1,791 |
| Noninterest expense to average assets | 4.1690% | 845 |
| Loan and lease loss provision to assets | 0.1032% | 4,720 |
| Net operating income to assets | 0.4747% | 4,599 |
| Return on assets (ROA) | 0.4747% | 4,681 |
| Pretax return on assets | 0.4747% | 5,101 |
| Return on Equity (ROE) | 5.0342% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.0342% | 3,171 |
| Net charge-offs to loans | 0.2551% | 3,055 |
| Credit loss provision to net charge-offs | 53.5714% | 3,677 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,881 |
| Efficiency ratio | 87.8261% | 1,535 |
| Assets per employee ($millions) | 2.4194% | 7,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3495% | 1,684 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 3.3711% | 2,023 |
| Noncurrent loans to loans | 2.3495% | 3,138 |
| Net loans and leases to total assets | 70.0896% | 2,109 |
| Net loans and leases to deposits | 83.0682% | 2,178 |
| Net loans and leases to core deposits | 96.5210% | 1,635 |
| Total domestic deposits to total assets | 84.3760% | 4,336 |
| Equity capital to assets | 9.1231% | 4,996 |
| Core capital (leverage) ratio | 9.2914% | 4,133 |
| Tier 1 risk-based capital ratio | 12.5875% | 5,182 |
| Total risk-based capital ratio | 13.8533% | 5,144 |
| Memoranda: | ||
| Average total assets | $58,143,500 | 6,254 |
| Average earning assets | $51,667,000 | 6,282 |
| Average equity | $5,482,500 | 6,391 |
| Average total loans | $43,900,500 | 5,659 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3712% | 406 |
| Cost of funding earning assets | 1.4577% | 2,909 |
| Net interest margin | 4.9135% | 528 |
| Noninterest income to average assets | 0.3812% | 5,051 |
| Noninterest expense to average assets | 3.6096% | 1,898 |
| Loan and lease loss provision to assets | 0.6187% | 2,659 |
| Net operating income to assets | 0.1596% | 5,405 |
| Return on assets (ROA) | 0.1596% | 5,565 |
| Pretax return on assets | 0.3776% | 5,012 |
| Return on Equity (ROE) | 1.6598% | 5,505 |
| Retained earnings to average equity (ytd only) | 1.6598% | 4,684 |
| Net charge-offs to loans | 0.3237% | 4,394 |
| Credit loss provision to net charge-offs | 240.6897% | 1,196 |
| Earnings coverage of net charge-offs (x) | 3.8759% | 3,150 |
| Efficiency ratio | 78.3680% | 2,637 |
| Assets per employee ($millions) | 2.2321% | 7,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3272% | 1,653 |
| Loan loss allowance to noncurrent loans | 82.3108% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 4.0786% | 1,659 |
| Noncurrent loans to loans | 2.8273% | 2,693 |
| Net loans and leases to total assets | 77.6930% | 992 |
| Net loans and leases to deposits | 93.4838% | 1,102 |
| Net loans and leases to core deposits | 110.4108% | 893 |
| Total domestic deposits to total assets | 83.1084% | 4,752 |
| Equity capital to assets | 9.7611% | 4,040 |
| Core capital (leverage) ratio | 9.1989% | 4,167 |
| Tier 1 risk-based capital ratio | 12.6758% | 4,878 |
| Total risk-based capital ratio | 13.9431% | 4,844 |
| Memoranda: | ||
| Average total assets | $56,405,000 | 6,330 |
| Average earning assets | $48,499,400 | 6,418 |
| Average equity | $5,422,400 | 6,533 |
| Average total loans | $44,790,200 | 5,711 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4008% | 412 |
| Cost of funding earning assets | 1.4992% | 2,988 |
| Net interest margin | 4.9016% | 550 |
| Noninterest income to average assets | 0.6931% | 2,857 |
| Noninterest expense to average assets | 3.5716% | 1,848 |
| Loan and lease loss provision to assets | 0.3183% | 4,042 |
| Net operating income to assets | 0.5894% | 3,923 |
| Return on assets (ROA) | 0.5894% | 4,086 |
| Pretax return on assets | 0.9807% | 3,253 |
| Return on Equity (ROE) | 6.1543% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.1543% | 2,284 |
| Net charge-offs to loans | 0.2376% | 4,519 |
| Credit loss provision to net charge-offs | 168.7500% | 2,207 |
| Earnings coverage of net charge-offs (x) | 6.8878% | 2,431 |
| Efficiency ratio | 73.3301% | 3,457 |
| Assets per employee ($millions) | 2.2274% | 7,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9584% | 2,333 |
| Loan loss allowance to noncurrent loans | 70.3262% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 4.5094% | 1,502 |
| Noncurrent loans to loans | 2.7847% | 2,861 |
| Net loans and leases to total assets | 79.4753% | 830 |
| Net loans and leases to deposits | 96.0457% | 976 |
| Net loans and leases to core deposits | 115.6238% | 760 |
| Total domestic deposits to total assets | 82.7473% | 4,699 |
| Equity capital to assets | 10.1232% | 3,988 |
| Core capital (leverage) ratio | 10.1809% | 3,063 |
| Tier 1 risk-based capital ratio | 13.5866% | 4,130 |
| Total risk-based capital ratio | 14.8482% | 4,068 |
| Memoranda: | ||
| Average total assets | $56,555,500 | 6,400 |
| Average earning assets | $48,201,250 | 6,500 |
| Average equity | $5,416,250 | 6,614 |
| Average total loans | $44,890,750 | 5,789 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3517% | 463 |
| Cost of funding earning assets | 1.5383% | 3,019 |
| Net interest margin | 4.8134% | 648 |
| Noninterest income to average assets | 0.4539% | 4,482 |
| Noninterest expense to average assets | 3.5324% | 1,951 |
| Loan and lease loss provision to assets | 0.3166% | 3,845 |
| Net operating income to assets | 0.4292% | 4,625 |
| Return on assets (ROA) | 0.4292% | 4,785 |
| Pretax return on assets | 0.7001% | 4,240 |
| Return on Equity (ROE) | 4.5670% | 4,510 |
| Retained earnings to average equity (ytd only) | 4.5670% | 3,169 |
| Net charge-offs to loans | 0.3526% | 3,586 |
| Credit loss provision to net charge-offs | 113.9241% | 3,571 |
| Earnings coverage of net charge-offs (x) | 3.6582% | 3,223 |
| Efficiency ratio | 77.6489% | 2,784 |
| Assets per employee ($millions) | 2.3905% | 7,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 2,522 |
| Loan loss allowance to noncurrent loans | 66.4032% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 4.5195% | 1,465 |
| Noncurrent loans to loans | 2.8092% | 2,847 |
| Net loans and leases to total assets | 77.0223% | 1,288 |
| Net loans and leases to deposits | 92.2412% | 1,490 |
| Net loans and leases to core deposits | 111.0023% | 1,100 |
| Total domestic deposits to total assets | 83.5009% | 4,338 |
| Equity capital to assets | 9.5951% | 4,559 |
| Core capital (leverage) ratio | 9.8044% | 3,395 |
| Tier 1 risk-based capital ratio | 13.0065% | 4,438 |
| Total risk-based capital ratio | 14.2660% | 4,378 |
| Memoranda: | ||
| Average total assets | $56,846,000 | 6,439 |
| Average earning assets | $48,365,330 | 6,538 |
| Average equity | $5,342,670 | 6,669 |
| Average total loans | $44,808,000 | 5,829 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3233% | 506 |
| Cost of funding earning assets | 1.5643% | 3,177 |
| Net interest margin | 4.7590% | 692 |
| Noninterest income to average assets | 0.8200% | 1,930 |
| Noninterest expense to average assets | 3.5417% | 1,873 |
| Loan and lease loss provision to assets | 0.3181% | 3,508 |
| Net operating income to assets | 0.6362% | 3,725 |
| Return on assets (ROA) | 0.6362% | 3,848 |
| Pretax return on assets | 1.0251% | 2,991 |
| Return on Equity (ROE) | 6.8422% | 3,421 |
| Retained earnings to average equity (ytd only) | 6.8422% | 2,196 |
| Net charge-offs to loans | -0.2058% | 7,677 |
| Credit loss provision to net charge-offs | -195.6522% | 6,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5036% | 3,838 |
| Assets per employee ($millions) | 2.2905% | 7,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0016% | 2,186 |
| Loan loss allowance to noncurrent loans | 41.0151% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 5.5744% | 1,103 |
| Noncurrent loans to loans | 4.8802% | 1,493 |
| Net loans and leases to total assets | 76.6948% | 1,394 |
| Net loans and leases to deposits | 92.4491% | 1,550 |
| Net loans and leases to core deposits | 114.3136% | 1,026 |
| Total domestic deposits to total assets | 82.9590% | 4,650 |
| Equity capital to assets | 9.2644% | 4,888 |
| Core capital (leverage) ratio | 9.5051% | 3,761 |
| Tier 1 risk-based capital ratio | 12.7200% | 4,541 |
| Total risk-based capital ratio | 13.9809% | 4,497 |
| Memoranda: | ||
| Average total assets | $56,582,500 | 6,518 |
| Average earning assets | $48,329,500 | 6,617 |
| Average equity | $5,261,500 | 6,752 |
| Average total loans | $44,697,000 | 5,904 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5586% | 595 |
| Cost of funding earning assets | 2.0442% | 2,749 |
| Net interest margin | 4.5144% | 1,149 |
| Noninterest income to average assets | 0.5812% | 3,775 |
| Noninterest expense to average assets | 3.6504% | 2,029 |
| Loan and lease loss provision to assets | 1.3293% | 1,727 |
| Net operating income to assets | -0.4749% | 6,153 |
| Return on assets (ROA) | -0.4749% | 6,146 |
| Pretax return on assets | -0.4345% | 5,951 |
| Return on Equity (ROE) | -4.7719% | 6,192 |
| Retained earnings to average equity (ytd only) | -5.1404% | 6,041 |
| Net charge-offs to loans | 1.1132% | 2,199 |
| Credit loss provision to net charge-offs | 147.6578% | 3,174 |
| Earnings coverage of net charge-offs (x) | 0.9939% | 5,118 |
| Efficiency ratio | 80.3146% | 2,838 |
| Assets per employee ($millions) | 2.2361% | 7,539 |
| Cash dividends to net income (ytd only)* | -7.7220% | 7,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8596% | 2,376 |
| Loan loss allowance to noncurrent loans | 32.9099% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 6.2286% | 891 |
| Noncurrent loans to loans | 5.6505% | 1,133 |
| Net loans and leases to total assets | 78.2623% | 1,330 |
| Net loans and leases to deposits | 94.6520% | 1,508 |
| Net loans and leases to core deposits | 112.4704% | 2,648 |
| Total domestic deposits to total assets | 82.6843% | 4,667 |
| Equity capital to assets | 9.3340% | 4,662 |
| Core capital (leverage) ratio | 9.1902% | 4,136 |
| Tier 1 risk-based capital ratio | 12.1410% | 4,822 |
| Total risk-based capital ratio | 13.4014% | 4,776 |
| Memoranda: | ||
| Average total assets | $54,541,600 | 6,540 |
| Average earning assets | $47,891,200 | 6,602 |
| Average equity | $5,427,600 | 6,793 |
| Average total loans | $44,108,200 | 5,928 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4271% | 879 |
| Cost of funding earning assets | 2.1609% | 2,595 |
| Net interest margin | 4.2662% | 1,821 |
| Noninterest income to average assets | 0.7577% | 2,660 |
| Noninterest expense to average assets | 3.7833% | 1,626 |
| Loan and lease loss provision to assets | 0.9348% | 2,059 |
| Net operating income to assets | -0.1870% | 6,040 |
| Return on assets (ROA) | -0.1870% | 6,052 |
| Pretax return on assets | -0.1870% | 5,958 |
| Return on Equity (ROE) | -1.8491% | 6,075 |
| Retained earnings to average equity (ytd only) | -1.8491% | 5,691 |
| Net charge-offs to loans | 1.1184% | 1,792 |
| Credit loss provision to net charge-offs | 102.9810% | 4,944 |
| Earnings coverage of net charge-offs (x) | 0.8238% | 5,230 |
| Efficiency ratio | 82.3018% | 2,542 |
| Assets per employee ($millions) | 2.1908% | 7,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 4,449 |
| Loan loss allowance to noncurrent loans | 19.1590% | 7,131 |
| Noncurrent assets plus other real estate owned to assets | 7.6557% | 577 |
| Noncurrent loans to loans | 6.8290% | 804 |
| Net loans and leases to total assets | 83.4599% | 612 |
| Net loans and leases to deposits | 100.6983% | 1,049 |
| Net loans and leases to core deposits | 119.1166% | 2,323 |
| Total domestic deposits to total assets | 82.8811% | 4,283 |
| Equity capital to assets | 9.9105% | 4,202 |
| Core capital (leverage) ratio | 9.9155% | 3,384 |
| Tier 1 risk-based capital ratio | 12.5947% | 4,474 |
| Total risk-based capital ratio | 13.8476% | 4,423 |
| Memoranda: | ||
| Average total assets | $54,201,250 | 6,603 |
| Average earning assets | $47,941,500 | 6,649 |
| Average equity | $5,480,000 | 6,855 |
| Average total loans | $43,990,250 | 5,971 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3564% | 1,086 |
| Cost of funding earning assets | 2.3076% | 2,331 |
| Net interest margin | 4.0488% | 2,508 |
| Noninterest income to average assets | 0.7443% | 2,732 |
| Noninterest expense to average assets | 3.7325% | 1,774 |
| Loan and lease loss provision to assets | 0.6369% | 2,520 |
| Net operating income to assets | -0.2037% | 6,195 |
| Return on assets (ROA) | -0.2037% | 6,216 |
| Pretax return on assets | -0.0778% | 5,971 |
| Return on Equity (ROE) | -2.0010% | 6,224 |
| Retained earnings to average equity (ytd only) | -2.0010% | 5,743 |
| Net charge-offs to loans | 0.1620% | 4,585 |
| Credit loss provision to net charge-offs | 491.4286% | 945 |
| Earnings coverage of net charge-offs (x) | 4.3143% | 3,140 |
| Efficiency ratio | 85.6773% | 2,256 |
| Assets per employee ($millions) | 2.2029% | 7,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6573% | 2,496 |
| Loan loss allowance to noncurrent loans | 23.5673% | 6,933 |
| Noncurrent assets plus other real estate owned to assets | 7.5282% | 528 |
| Noncurrent loans to loans | 7.0324% | 692 |
| Net loans and leases to total assets | 78.8680% | 1,555 |
| Net loans and leases to deposits | 93.0305% | 2,266 |
| Net loans and leases to core deposits | 107.7899% | 3,630 |
| Total domestic deposits to total assets | 84.7766% | 3,366 |
| Equity capital to assets | 9.8669% | 4,126 |
| Core capital (leverage) ratio | 9.9472% | 3,351 |
| Tier 1 risk-based capital ratio | 12.7259% | 4,341 |
| Total risk-based capital ratio | 13.9822% | 4,250 |
| Memoranda: | ||
| Average total assets | $54,011,670 | 6,673 |
| Average earning assets | $47,322,330 | 6,736 |
| Average equity | $5,497,330 | 6,902 |
| Average total loans | $43,214,670 | 6,054 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3583% | 1,160 |
| Cost of funding earning assets | 2.4468% | 2,118 |
| Net interest margin | 3.9115% | 3,003 |
| Noninterest income to average assets | 0.5983% | 3,561 |
| Noninterest expense to average assets | 3.5452% | 1,988 |
| Loan and lease loss provision to assets | 0.1122% | 5,527 |
| Net operating income to assets | 0.2842% | 5,356 |
| Return on assets (ROA) | 0.2842% | 5,526 |
| Pretax return on assets | 0.3964% | 5,408 |
| Return on Equity (ROE) | 2.7491% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.7491% | 4,347 |
| Net charge-offs to loans | 0.2901% | 2,954 |
| Credit loss provision to net charge-offs | 48.3871% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.1935% | 3,643 |
| Efficiency ratio | 87.4539% | 1,939 |
| Assets per employee ($millions) | 2.5095% | 7,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 3,796 |
| Loan loss allowance to noncurrent loans | 18.0655% | 7,259 |
| Noncurrent assets plus other real estate owned to assets | 7.7127% | 403 |
| Noncurrent loans to loans | 7.4759% | 504 |
| Net loans and leases to total assets | 76.6048% | 2,140 |
| Net loans and leases to deposits | 90.5145% | 2,850 |
| Net loans and leases to core deposits | 104.8337% | 4,046 |
| Total domestic deposits to total assets | 84.6327% | 3,403 |
| Equity capital to assets | 10.0257% | 3,976 |
| Core capital (leverage) ratio | 10.4753% | 2,959 |
| Tier 1 risk-based capital ratio | 11.0569% | 5,852 |
| Total risk-based capital ratio | 12.2202% | 5,837 |
| Memoranda: | ||
| Average total assets | $53,481,000 | 6,727 |
| Average earning assets | $47,245,000 | 6,779 |
| Average equity | $5,529,000 | 6,935 |
| Average total loans | $42,738,500 | 6,103 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6300% | 2,341 |
| Cost of funding earning assets | 2.8218% | 2,619 |
| Net interest margin | 3.8082% | 3,985 |
| Noninterest income to average assets | 0.5480% | 4,247 |
| Noninterest expense to average assets | 3.5554% | 2,249 |
| Loan and lease loss provision to assets | 0.1107% | 5,953 |
| Net operating income to assets | 0.2207% | 5,788 |
| Return on assets (ROA) | 0.2196% | 5,615 |
| Pretax return on assets | 0.3561% | 5,368 |
| Return on Equity (ROE) | 2.1857% | 5,548 |
| Retained earnings to average equity (ytd only) | 1.8183% | 4,101 |
| Net charge-offs to loans | 0.1681% | 4,515 |
| Credit loss provision to net charge-offs | 88.2353% | 5,715 |
| Earnings coverage of net charge-offs (x) | 3.7353% | 4,237 |
| Efficiency ratio | 87.0702% | 1,758 |
| Assets per employee ($millions) | 2.3525% | 7,483 |
| Cash dividends to net income (ytd only)* | 16.8067% | 4,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 3,217 |
| Loan loss allowance to noncurrent loans | 21.8589% | 7,147 |
| Noncurrent assets plus other real estate owned to assets | 7.3038% | 341 |
| Noncurrent loans to loans | 6.3888% | 511 |
| Net loans and leases to total assets | 81.1744% | 1,398 |
| Net loans and leases to deposits | 97.0836% | 2,281 |
| Net loans and leases to core deposits | 113.7831% | 3,363 |
| Total domestic deposits to total assets | 83.6129% | 3,525 |
| Equity capital to assets | 10.6716% | 3,319 |
| Core capital (leverage) ratio | 10.6141% | 2,890 |
| Tier 1 risk-based capital ratio | 13.5507% | 3,791 |
| Total risk-based capital ratio | 14.8043% | 3,689 |
| Memoranda: | ||
| Average total assets | $54,198,600 | 6,613 |
| Average earning assets | $49,472,200 | 6,616 |
| Average equity | $5,444,600 | 6,999 |
| Average total loans | $40,442,800 | 6,148 |