Home > Century Bank of Florida > Performance and Condition Ratios
Century Bank of Florida, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8219% | 804 |
| Cost of funding earning assets | 1.5044% | 1,931 |
| Net interest margin | 4.3175% | 790 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 3.3315% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8195% | 2,806 |
| Return on assets (ROA) | 0.8195% | 2,789 |
| Pretax return on assets | 0.8195% | 3,165 |
| Return on Equity (ROE) | 12.0700% | 1,940 |
| Retained earnings to average equity (ytd only) | 9.1830% | 1,216 |
| Net charge-offs to loans | -0.0503% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.2583% | 899 |
| Assets per employee ($millions) | 6.6179% | 2,331 |
| Cash dividends to net income (ytd only)* | 23.9486% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7580% | 579 |
| Loan loss allowance to noncurrent loans | 1,701.6667% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 3,205 |
| Noncurrent loans to loans | 0.1033% | 3,022 |
| Net loans and leases to total assets | 53.8900% | 3,358 |
| Net loans and leases to deposits | 61.0690% | 3,464 |
| Net loans and leases to core deposits | 70.8434% | 3,254 |
| Total domestic deposits to total assets | 88.2400% | 1,273 |
| Equity capital to assets | 7.2691% | 3,836 |
| Core capital (leverage) ratio | 9.0942% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5499% | 1,385 |
| Memoranda: | ||
| Average total assets | $104,458,800 | 3,790 |
| Average earning assets | $94,058,600 | 3,798 |
| Average equity | $7,089,200 | 4,040 |
| Average total loans | $59,685,200 | 3,716 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7522% | 731 |
| Cost of funding earning assets | 1.4338% | 1,781 |
| Net interest margin | 4.3184% | 786 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 3.3556% | 665 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7595% | 3,134 |
| Return on assets (ROA) | 0.7595% | 3,133 |
| Pretax return on assets | 0.7595% | 3,426 |
| Return on Equity (ROE) | 11.4000% | 2,278 |
| Retained earnings to average equity (ytd only) | 7.4571% | 2,156 |
| Net charge-offs to loans | -0.0355% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.5437% | 756 |
| Assets per employee ($millions) | 6.4279% | 2,376 |
| Cash dividends to net income (ytd only)* | 34.5700% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 712 |
| Loan loss allowance to noncurrent loans | 159.0837% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.6155% | 952 |
| Noncurrent loans to loans | 1.0630% | 752 |
| Net loans and leases to total assets | 56.9200% | 3,123 |
| Net loans and leases to deposits | 64.9838% | 3,202 |
| Net loans and leases to core deposits | 73.7688% | 3,008 |
| Total domestic deposits to total assets | 87.5900% | 1,707 |
| Equity capital to assets | 6.6711% | 3,764 |
| Core capital (leverage) ratio | 8.7905% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9417% | 1,582 |
| Memoranda: | ||
| Average total assets | $104,101,750 | 3,806 |
| Average earning assets | $93,457,750 | 3,824 |
| Average equity | $6,937,250 | 4,052 |
| Average total loans | $60,086,750 | 3,714 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6931% | 646 |
| Cost of funding earning assets | 1.2863% | 1,750 |
| Net interest margin | 4.4068% | 701 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 3.3371% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8285% | 2,990 |
| Return on assets (ROA) | 0.8285% | 3,002 |
| Pretax return on assets | 0.8285% | 3,332 |
| Return on Equity (ROE) | 12.4400% | 2,030 |
| Retained earnings to average equity (ytd only) | 6.5492% | 2,436 |
| Net charge-offs to loans | -0.0664% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.1102% | 833 |
| Assets per employee ($millions) | 6.5496% | 2,255 |
| Cash dividends to net income (ytd only)* | 47.3441% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6627% | 815 |
| Loan loss allowance to noncurrent loans | 163.3279% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5907% | 912 |
| Noncurrent loans to loans | 1.0180% | 742 |
| Net loans and leases to total assets | 57.0600% | 3,035 |
| Net loans and leases to deposits | 65.3965% | 3,097 |
| Net loans and leases to core deposits | 73.6373% | 2,916 |
| Total domestic deposits to total assets | 87.2500% | 1,847 |
| Equity capital to assets | 6.7657% | 3,894 |
| Core capital (leverage) ratio | 8.1036% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2962% | 1,789 |
| Memoranda: | ||
| Average total assets | $104,520,333 | 3,818 |
| Average earning assets | $93,446,000 | 3,839 |
| Average equity | $6,962,667 | 4,080 |
| Average total loans | $60,266,667 | 3,718 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3710% | 763 |
| Cost of funding earning assets | 1.0183% | 1,988 |
| Net interest margin | 4.3527% | 745 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 3.3913% | 608 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7434% | 3,362 |
| Return on assets (ROA) | 0.7434% | 3,320 |
| Pretax return on assets | 0.7434% | 3,576 |
| Return on Equity (ROE) | 11.2500% | 2,425 |
| Retained earnings to average equity (ytd only) | -0.6378% | 4,101 |
| Net charge-offs to loans | -0.1333% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.0204% | 701 |
| Assets per employee ($millions) | 7.0893% | 1,911 |
| Cash dividends to net income (ytd only)* | 105.6701% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6931% | 822 |
| Loan loss allowance to noncurrent loans | 1,805.3571% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,291 |
| Noncurrent loans to loans | 0.0938% | 3,080 |
| Net loans and leases to total assets | 51.7500% | 3,361 |
| Net loans and leases to deposits | 59.0534% | 3,393 |
| Net loans and leases to core deposits | 65.0373% | 3,285 |
| Total domestic deposits to total assets | 87.6400% | 2,046 |
| Equity capital to assets | 6.0937% | 4,170 |
| Core capital (leverage) ratio | 8.7340% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6999% | 2,093 |
| Memoranda: | ||
| Average total assets | $104,383,500 | 3,869 |
| Average earning assets | $93,092,000 | 3,891 |
| Average equity | $6,899,000 | 4,137 |
| Average total loans | $59,998,500 | 3,761 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9781% | 313 |
| Cost of funding earning assets | 0.5323% | 1,207 |
| Net interest margin | 4.4458% | 326 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 3.2147% | 705 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6816% | 3,669 |
| Return on assets (ROA) | 0.6816% | 3,622 |
| Pretax return on assets | 0.6816% | 3,890 |
| Return on Equity (ROE) | 9.8400% | 2,853 |
| Retained earnings to average equity (ytd only) | 7.2681% | 2,113 |
| Net charge-offs to loans | -0.0730% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.5056% | 566 |
| Assets per employee ($millions) | 5.9586% | 2,802 |
| Cash dividends to net income (ytd only)* | 26.1056% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 1,843 |
| Loan loss allowance to noncurrent loans | 191.0628% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 1,181 |
| Noncurrent loans to loans | 0.6867% | 1,090 |
| Net loans and leases to total assets | 62.4000% | 2,397 |
| Net loans and leases to deposits | 72.8617% | 2,341 |
| Net loans and leases to core deposits | 81.6449% | 2,033 |
| Total domestic deposits to total assets | 85.6400% | 2,820 |
| Equity capital to assets | 7.2227% | 3,539 |
| Core capital (leverage) ratio | 8.8043% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0485% | 1,962 |
| Memoranda: | ||
| Average total assets | $102,839,800 | 3,902 |
| Average earning assets | $83,405,200 | 4,000 |
| Average equity | $7,127,000 | 4,194 |
| Average total loans | $60,287,400 | 3,722 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7564% | 311 |
| Cost of funding earning assets | 0.4693% | 883 |
| Net interest margin | 4.2871% | 345 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 3.0940% | 794 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6175% | 3,795 |
| Return on assets (ROA) | 0.6175% | 3,750 |
| Pretax return on assets | 0.6175% | 3,954 |
| Return on Equity (ROE) | 9.0000% | 3,030 |
| Retained earnings to average equity (ytd only) | 5.6024% | 2,890 |
| Net charge-offs to loans | -0.0951% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.3619% | 587 |
| Assets per employee ($millions) | 6.0628% | 2,710 |
| Cash dividends to net income (ytd only)* | 37.7320% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,153 |
| Loan loss allowance to noncurrent loans | 189.9038% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 1,268 |
| Noncurrent loans to loans | 0.6710% | 1,214 |
| Net loans and leases to total assets | 63.1000% | 2,180 |
| Net loans and leases to deposits | 73.0540% | 2,123 |
| Net loans and leases to core deposits | 78.8705% | 1,981 |
| Total domestic deposits to total assets | 86.3700% | 2,965 |
| Equity capital to assets | 6.5945% | 3,695 |
| Core capital (leverage) ratio | 8.3858% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5287% | 2,250 |
| Memoranda: | ||
| Average total assets | $104,715,250 | 3,908 |
| Average earning assets | $83,814,750 | 4,026 |
| Average equity | $7,187,250 | 4,231 |
| Average total loans | $60,288,250 | 3,736 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 380 |
| Cost of funding earning assets | 0.4794% | 591 |
| Net interest margin | 4.0138% | 479 |
| Noninterest income to average assets | 0.2423% | 3,719 |
| Noninterest expense to average assets | 2.9193% | 960 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4605% | 3,982 |
| Return on assets (ROA) | 0.4605% | 3,937 |
| Pretax return on assets | 0.4605% | 4,058 |
| Return on Equity (ROE) | 6.6303% | 3,420 |
| Retained earnings to average equity (ytd only) | 1.7180% | 3,821 |
| Net charge-offs to loans | -0.0167% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3762% | 568 |
| Assets per employee ($millions) | 6.9217% | 1,992 |
| Cash dividends to net income (ytd only)* | 74.0891% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 2,789 |
| Loan loss allowance to noncurrent loans | 171.2984% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 1,420 |
| Noncurrent loans to loans | 0.6896% | 1,253 |
| Net loans and leases to total assets | 56.8061% | 2,665 |
| Net loans and leases to deposits | 65.0041% | 2,641 |
| Net loans and leases to core deposits | 68.9368% | 2,573 |
| Total domestic deposits to total assets | 87.3884% | 2,804 |
| Equity capital to assets | 6.1230% | 4,169 |
| Core capital (leverage) ratio | 7.6240% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4319% | 2,694 |
| Memoranda: | ||
| Average total assets | $107,285,333 | 3,922 |
| Average earning assets | $83,860,000 | 4,076 |
| Average equity | $7,450,667 | 4,259 |
| Average total loans | $59,718,000 | 3,785 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 289 |
| Cost of funding earning assets | 0.4990% | 500 |
| Net interest margin | 4.0411% | 387 |
| Noninterest income to average assets | 0.2084% | 3,910 |
| Noninterest expense to average assets | 3.0392% | 773 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2994% | 4,146 |
| Return on assets (ROA) | 0.2994% | 4,118 |
| Pretax return on assets | 0.2994% | 4,188 |
| Return on Equity (ROE) | 4.0588% | 3,862 |
| Retained earnings to average equity (ytd only) | -5.3433% | 4,429 |
| Net charge-offs to loans | -0.0139% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0329% | 505 |
| Assets per employee ($millions) | 6.9823% | 2,008 |
| Cash dividends to net income (ytd only)* | 231.6456% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,646 |
| Loan loss allowance to noncurrent loans | 171.0046% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 1,532 |
| Noncurrent loans to loans | 0.7256% | 1,314 |
| Net loans and leases to total assets | 53.3616% | 2,835 |
| Net loans and leases to deposits | 61.2261% | 2,784 |
| Net loans and leases to core deposits | 64.8930% | 2,725 |
| Total domestic deposits to total assets | 87.1550% | 2,873 |
| Equity capital to assets | 6.4995% | 4,426 |
| Core capital (leverage) ratio | 7.5685% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2508% | 2,502 |
| Memoranda: | ||
| Average total assets | $105,554,500 | 3,964 |
| Average earning assets | $81,760,500 | 4,114 |
| Average equity | $7,785,500 | 4,289 |
| Average total loans | $57,745,500 | 3,833 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 627 |
| Cost of funding earning assets | 0.5565% | 686 |
| Net interest margin | 3.9142% | 832 |
| Noninterest income to average assets | 0.2081% | 4,121 |
| Noninterest expense to average assets | 2.9390% | 1,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5144% | 4,054 |
| Return on assets (ROA) | 0.5144% | 4,101 |
| Pretax return on assets | 0.5144% | 4,237 |
| Return on Equity (ROE) | 6.5104% | 3,641 |
| Retained earnings to average equity (ytd only) | 3.6941% | 3,343 |
| Net charge-offs to loans | -0.0151% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1046% | 511 |
| Assets per employee ($millions) | 6.2120% | 2,565 |
| Cash dividends to net income (ytd only)* | 43.2584% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 2,110 |
| Loan loss allowance to noncurrent loans | 144.4874% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 1,287 |
| Noncurrent loans to loans | 0.9378% | 1,083 |
| Net loans and leases to total assets | 54.7137% | 2,761 |
| Net loans and leases to deposits | 65.5343% | 2,555 |
| Net loans and leases to core deposits | 70.6954% | 2,385 |
| Total domestic deposits to total assets | 83.4886% | 3,696 |
| Equity capital to assets | 8.3608% | 4,138 |
| Core capital (leverage) ratio | 8.3143% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5448% | 2,038 |
| Memoranda: | ||
| Average total assets | $103,811,600 | 3,956 |
| Average earning assets | $86,071,600 | 4,058 |
| Average equity | $8,202,200 | 4,315 |
| Average total loans | $59,645,000 | 3,821 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4153% | 788 |
| Cost of funding earning assets | 0.5650% | 769 |
| Net interest margin | 3.8503% | 1,021 |
| Noninterest income to average assets | 0.1982% | 4,209 |
| Noninterest expense to average assets | 2.8708% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5490% | 4,098 |
| Return on assets (ROA) | 0.5490% | 4,144 |
| Pretax return on assets | 0.5490% | 4,303 |
| Return on Equity (ROE) | 7.0455% | 3,655 |
| Retained earnings to average equity (ytd only) | 3.2781% | 3,807 |
| Net charge-offs to loans | -0.0132% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9465% | 524 |
| Assets per employee ($millions) | 6.3564% | 2,369 |
| Cash dividends to net income (ytd only)* | 53.4722% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,523 |
| Loan loss allowance to noncurrent loans | 142.8023% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.5123% | 1,488 |
| Noncurrent loans to loans | 0.9058% | 1,271 |
| Net loans and leases to total assets | 55.8233% | 2,748 |
| Net loans and leases to deposits | 66.7035% | 2,568 |
| Net loans and leases to core deposits | 71.7931% | 2,444 |
| Total domestic deposits to total assets | 83.6888% | 3,541 |
| Equity capital to assets | 8.1473% | 4,440 |
| Core capital (leverage) ratio | 7.9484% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3386% | 2,241 |
| Memoranda: | ||
| Average total assets | $104,916,500 | 3,998 |
| Average earning assets | $87,784,250 | 4,097 |
| Average equity | $8,175,250 | 4,377 |
| Average total loans | $60,774,250 | 3,855 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 1,045 |
| Cost of funding earning assets | 0.5642% | 894 |
| Net interest margin | 3.7094% | 1,330 |
| Noninterest income to average assets | 0.1906% | 4,251 |
| Noninterest expense to average assets | 2.8079% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5340% | 4,153 |
| Return on assets (ROA) | 0.5340% | 4,201 |
| Pretax return on assets | 0.5340% | 4,331 |
| Return on Equity (ROE) | 6.9547% | 3,670 |
| Retained earnings to average equity (ytd only) | 1.2779% | 4,281 |
| Net charge-offs to loans | -0.0097% | 3,655 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0203% | 545 |
| Assets per employee ($millions) | 6.8801% | 1,889 |
| Cash dividends to net income (ytd only)* | 81.6254% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,725 |
| Loan loss allowance to noncurrent loans | 140.8745% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 1,757 |
| Noncurrent loans to loans | 0.8806% | 1,396 |
| Net loans and leases to total assets | 53.5896% | 3,182 |
| Net loans and leases to deposits | 63.3444% | 3,071 |
| Net loans and leases to core deposits | 68.0023% | 2,958 |
| Total domestic deposits to total assets | 84.6004% | 3,258 |
| Equity capital to assets | 7.4136% | 4,761 |
| Core capital (leverage) ratio | 7.4363% | 4,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0430% | 2,349 |
| Memoranda: | ||
| Average total assets | $105,987,667 | 4,001 |
| Average earning assets | $90,040,667 | 4,086 |
| Average equity | $8,138,333 | 4,402 |
| Average total loans | $61,859,667 | 3,866 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 702 |
| Cost of funding earning assets | 0.5845% | 942 |
| Net interest margin | 3.9834% | 863 |
| Noninterest income to average assets | 0.1924% | 4,233 |
| Noninterest expense to average assets | 2.9594% | 1,051 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6427% | 3,827 |
| Return on assets (ROA) | 0.6427% | 3,896 |
| Pretax return on assets | 0.6427% | 4,122 |
| Return on Equity (ROE) | 8.2195% | 3,263 |
| Retained earnings to average equity (ytd only) | -3.1500% | 4,610 |
| Net charge-offs to loans | -0.0127% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1581% | 696 |
| Assets per employee ($millions) | 6.6174% | 2,079 |
| Cash dividends to net income (ytd only)* | 138.3234% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,754 |
| Loan loss allowance to noncurrent loans | 95.7309% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 1,269 |
| Noncurrent loans to loans | 1.2864% | 1,009 |
| Net loans and leases to total assets | 56.0555% | 3,032 |
| Net loans and leases to deposits | 67.0020% | 2,810 |
| Net loans and leases to core deposits | 72.1988% | 2,687 |
| Total domestic deposits to total assets | 83.6625% | 3,528 |
| Equity capital to assets | 7.6191% | 4,668 |
| Core capital (leverage) ratio | 7.8010% | 4,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3664% | 2,132 |
| Memoranda: | ||
| Average total assets | $103,941,000 | 4,030 |
| Average earning assets | $88,969,000 | 4,115 |
| Average equity | $8,127,000 | 4,421 |
| Average total loans | $62,923,000 | 3,867 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 1,289 |
| Cost of funding earning assets | 0.8332% | 1,080 |
| Net interest margin | 3.6759% | 1,886 |
| Noninterest income to average assets | 0.2367% | 4,087 |
| Noninterest expense to average assets | 2.9309% | 1,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5213% | 3,981 |
| Return on assets (ROA) | 0.6590% | 3,685 |
| Pretax return on assets | 0.6590% | 3,966 |
| Return on Equity (ROE) | 8.0487% | 2,801 |
| Retained earnings to average equity (ytd only) | 6.7624% | 1,478 |
| Net charge-offs to loans | -0.1797% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8988% | 572 |
| Assets per employee ($millions) | 6.3752% | 2,023 |
| Cash dividends to net income (ytd only)* | 15.9810% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 3,348 |
| Loan loss allowance to noncurrent loans | 95.1031% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 1,348 |
| Noncurrent loans to loans | 1.1801% | 1,199 |
| Net loans and leases to total assets | 63.7403% | 2,398 |
| Net loans and leases to deposits | 77.3966% | 2,138 |
| Net loans and leases to core deposits | 84.5530% | 1,990 |
| Total domestic deposits to total assets | 82.3554% | 3,577 |
| Equity capital to assets | 8.0262% | 4,695 |
| Core capital (leverage) ratio | 7.6321% | 4,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7959% | 1,931 |
| Memoranda: | ||
| Average total assets | $95,908,800 | 4,044 |
| Average earning assets | $83,897,000 | 4,100 |
| Average equity | $7,852,200 | 4,439 |
| Average total loans | $62,312,000 | 3,878 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 1,633 |
| Cost of funding earning assets | 0.8621% | 1,202 |
| Net interest margin | 3.6155% | 2,224 |
| Noninterest income to average assets | 0.2416% | 4,034 |
| Noninterest expense to average assets | 2.8987% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4944% | 4,057 |
| Return on assets (ROA) | 0.6809% | 3,626 |
| Pretax return on assets | 0.6809% | 3,943 |
| Return on Equity (ROE) | 8.2725% | 2,699 |
| Retained earnings to average equity (ytd only) | 6.5391% | 1,875 |
| Net charge-offs to loans | -0.1085% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4288% | 534 |
| Assets per employee ($millions) | 6.5123% | 1,825 |
| Cash dividends to net income (ytd only)* | 20.9544% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 3,715 |
| Loan loss allowance to noncurrent loans | 90.4953% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 1,627 |
| Noncurrent loans to loans | 1.1025% | 1,370 |
| Net loans and leases to total assets | 64.3787% | 2,722 |
| Net loans and leases to deposits | 78.6069% | 2,465 |
| Net loans and leases to core deposits | 86.8361% | 2,244 |
| Total domestic deposits to total assets | 81.8995% | 3,448 |
| Equity capital to assets | 7.6826% | 4,813 |
| Core capital (leverage) ratio | 7.4513% | 4,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6863% | 1,930 |
| Memoranda: | ||
| Average total assets | $94,385,250 | 4,065 |
| Average earning assets | $82,274,000 | 4,129 |
| Average equity | $7,768,500 | 4,469 |
| Average total loans | $61,451,250 | 3,906 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6057% | 1,640 |
| Cost of funding earning assets | 0.9141% | 1,309 |
| Net interest margin | 3.6917% | 2,194 |
| Noninterest income to average assets | 0.2327% | 4,087 |
| Noninterest expense to average assets | 2.9589% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4741% | 4,078 |
| Return on assets (ROA) | 0.5970% | 3,825 |
| Pretax return on assets | 0.5970% | 4,072 |
| Return on Equity (ROE) | 7.0744% | 3,103 |
| Retained earnings to average equity (ytd only) | 4.4735% | 2,720 |
| Net charge-offs to loans | -0.1618% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1893% | 528 |
| Assets per employee ($millions) | 6.7126% | 1,623 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,439 |
| Loan loss allowance to noncurrent loans | 77.1167% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 1,435 |
| Noncurrent loans to loans | 1.3300% | 1,161 |
| Net loans and leases to total assets | 60.5600% | 3,260 |
| Net loans and leases to deposits | 73.4730% | 3,125 |
| Net loans and leases to core deposits | 80.8286% | 2,888 |
| Total domestic deposits to total assets | 82.4247% | 3,264 |
| Equity capital to assets | 7.3621% | 4,911 |
| Core capital (leverage) ratio | 7.6945% | 4,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3223% | 2,062 |
| Memoranda: | ||
| Average total assets | $91,115,000 | 4,111 |
| Average earning assets | $78,989,000 | 4,178 |
| Average equity | $7,689,667 | 4,499 |
| Average total loans | $59,349,667 | 3,961 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 852 |
| Cost of funding earning assets | 1.0492% | 1,220 |
| Net interest margin | 4.0162% | 1,347 |
| Noninterest income to average assets | 0.2844% | 3,819 |
| Noninterest expense to average assets | 3.3409% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3760% | 4,186 |
| Return on assets (ROA) | 0.6460% | 3,521 |
| Pretax return on assets | 0.6460% | 3,820 |
| Return on Equity (ROE) | 7.0703% | 2,914 |
| Retained earnings to average equity (ytd only) | 1.7940% | 3,515 |
| Net charge-offs to loans | -0.1211% | 4,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8833% | 504 |
| Assets per employee ($millions) | 5.0801% | 2,558 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 2,970 |
| Loan loss allowance to noncurrent loans | 61.8269% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.2679% | 943 |
| Noncurrent loans to loans | 1.8502% | 802 |
| Net loans and leases to total assets | 64.3415% | 3,022 |
| Net loans and leases to deposits | 81.4440% | 2,527 |
| Net loans and leases to core deposits | 91.9252% | 2,168 |
| Total domestic deposits to total assets | 79.0009% | 4,053 |
| Equity capital to assets | 8.8443% | 4,675 |
| Core capital (leverage) ratio | 8.9179% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0532% | 2,263 |
| Memoranda: | ||
| Average total assets | $82,972,000 | 4,227 |
| Average earning assets | $70,912,500 | 4,300 |
| Average equity | $7,581,000 | 4,541 |
| Average total loans | $56,166,500 | 4,026 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2690% | 878 |
| Cost of funding earning assets | 1.1704% | 1,095 |
| Net interest margin | 4.0986% | 1,546 |
| Noninterest income to average assets | 0.3274% | 3,739 |
| Noninterest expense to average assets | 3.1945% | 1,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6279% | 4,077 |
| Return on assets (ROA) | 0.6352% | 4,123 |
| Pretax return on assets | 0.6352% | 4,360 |
| Return on Equity (ROE) | 7.1681% | 3,493 |
| Retained earnings to average equity (ytd only) | 5.6655% | 2,048 |
| Net charge-offs to loans | -0.0147% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5730% | 685 |
| Assets per employee ($millions) | 4.9739% | 2,642 |
| Cash dividends to net income (ytd only)* | 20.9615% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 2,851 |
| Loan loss allowance to noncurrent loans | 105.2101% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 1,584 |
| Noncurrent loans to loans | 1.0602% | 1,425 |
| Net loans and leases to total assets | 69.7360% | 2,444 |
| Net loans and leases to deposits | 88.0963% | 1,829 |
| Net loans and leases to core deposits | 101.3681% | 1,455 |
| Total domestic deposits to total assets | 79.1589% | 4,157 |
| Equity capital to assets | 9.4543% | 4,386 |
| Core capital (leverage) ratio | 8.8936% | 4,602 |
| Tier 1 risk-based capital ratio | 13.5125% | 3,518 |
| Total risk-based capital ratio | 14.6341% | 3,476 |
| Memoranda: | ||
| Average total assets | $81,859,800 | 4,256 |
| Average earning assets | $69,804,800 | 4,347 |
| Average equity | $7,254,400 | 4,609 |
| Average total loans | $54,437,000 | 4,092 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 1,003 |
| Cost of funding earning assets | 1.1815% | 1,079 |
| Net interest margin | 4.0357% | 1,813 |
| Noninterest income to average assets | 0.3300% | 3,771 |
| Noninterest expense to average assets | 3.1396% | 1,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6324% | 4,207 |
| Return on assets (ROA) | 0.6324% | 4,257 |
| Pretax return on assets | 0.6324% | 4,487 |
| Return on Equity (ROE) | 7.2537% | 3,593 |
| Retained earnings to average equity (ytd only) | 5.2315% | 2,771 |
| Net charge-offs to loans | -0.0222% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2333% | 668 |
| Assets per employee ($millions) | 4.8245% | 2,763 |
| Cash dividends to net income (ytd only)* | 27.8773% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 2,833 |
| Loan loss allowance to noncurrent loans | 110.7774% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 1,816 |
| Noncurrent loans to loans | 1.0282% | 1,563 |
| Net loans and leases to total assets | 66.3517% | 3,008 |
| Net loans and leases to deposits | 83.2617% | 2,534 |
| Net loans and leases to core deposits | 93.1689% | 2,249 |
| Total domestic deposits to total assets | 79.6905% | 4,052 |
| Equity capital to assets | 9.0641% | 4,749 |
| Core capital (leverage) ratio | 8.8504% | 4,748 |
| Tier 1 risk-based capital ratio | 13.3984% | 3,635 |
| Total risk-based capital ratio | 14.5315% | 3,600 |
| Memoranda: | ||
| Average total assets | $82,429,000 | 4,303 |
| Average earning assets | $70,304,000 | 4,396 |
| Average equity | $7,187,000 | 4,671 |
| Average total loans | $54,015,250 | 4,149 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 1,085 |
| Cost of funding earning assets | 1.1724% | 1,067 |
| Net interest margin | 3.9855% | 1,964 |
| Noninterest income to average assets | 0.3391% | 3,664 |
| Noninterest expense to average assets | 3.1247% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6153% | 4,267 |
| Return on assets (ROA) | 0.6153% | 4,305 |
| Pretax return on assets | 0.6153% | 4,518 |
| Return on Equity (ROE) | 7.1502% | 3,619 |
| Retained earnings to average equity (ytd only) | 4.0818% | 3,206 |
| Net charge-offs to loans | -0.0261% | 4,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5492% | 686 |
| Assets per employee ($millions) | 4.9623% | 2,526 |
| Cash dividends to net income (ytd only)* | 42.9134% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 2,739 |
| Loan loss allowance to noncurrent loans | 112.8159% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7219% | 1,907 |
| Noncurrent loans to loans | 1.0286% | 1,592 |
| Net loans and leases to total assets | 63.1077% | 3,437 |
| Net loans and leases to deposits | 78.4362% | 3,124 |
| Net loans and leases to core deposits | 87.0568% | 2,881 |
| Total domestic deposits to total assets | 80.4573% | 3,949 |
| Equity capital to assets | 8.6440% | 4,985 |
| Core capital (leverage) ratio | 8.5297% | 4,954 |
| Tier 1 risk-based capital ratio | 13.1164% | 3,775 |
| Total risk-based capital ratio | 14.2430% | 3,750 |
| Memoranda: | ||
| Average total assets | $82,566,670 | 4,334 |
| Average earning assets | $70,455,330 | 4,434 |
| Average equity | $7,104,670 | 4,708 |
| Average total loans | $53,671,670 | 4,185 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0134% | 1,310 |
| Cost of funding earning assets | 1.1627% | 1,007 |
| Net interest margin | 3.8507% | 2,343 |
| Noninterest income to average assets | 0.3526% | 3,495 |
| Noninterest expense to average assets | 3.1296% | 1,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4996% | 4,523 |
| Return on assets (ROA) | 0.4996% | 4,543 |
| Pretax return on assets | 0.4996% | 4,684 |
| Return on Equity (ROE) | 5.8194% | 4,074 |
| Retained earnings to average equity (ytd only) | -0.3994% | 4,585 |
| Net charge-offs to loans | -0.0299% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2348% | 567 |
| Assets per employee ($millions) | 5.6815% | 1,811 |
| Cash dividends to net income (ytd only)* | 106.8627% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 2,961 |
| Loan loss allowance to noncurrent loans | 112.0721% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 1,962 |
| Noncurrent loans to loans | 1.0095% | 1,654 |
| Net loans and leases to total assets | 63.7828% | 3,316 |
| Net loans and leases to deposits | 79.2526% | 2,925 |
| Net loans and leases to core deposits | 87.8312% | 2,706 |
| Total domestic deposits to total assets | 80.4804% | 4,076 |
| Equity capital to assets | 8.2889% | 5,090 |
| Core capital (leverage) ratio | 8.8644% | 4,742 |
| Tier 1 risk-based capital ratio | 12.6568% | 4,067 |
| Total risk-based capital ratio | 13.7617% | 4,032 |
| Memoranda: | ||
| Average total assets | $81,670,500 | 4,391 |
| Average earning assets | $69,493,500 | 4,490 |
| Average equity | $7,011,000 | 4,754 |
| Average total loans | $53,576,500 | 4,226 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9370% | 1,190 |
| Cost of funding earning assets | 0.9501% | 927 |
| Net interest margin | 3.9869% | 2,030 |
| Noninterest income to average assets | 0.5190% | 2,723 |
| Noninterest expense to average assets | 3.2783% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6423% | 4,308 |
| Return on assets (ROA) | 0.6423% | 4,313 |
| Pretax return on assets | 0.6423% | 4,551 |
| Return on Equity (ROE) | 7.5093% | 3,657 |
| Retained earnings to average equity (ytd only) | 5.7071% | 2,354 |
| Net charge-offs to loans | -0.0308% | 4,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6173% | 677 |
| Assets per employee ($millions) | 5.2079% | 2,258 |
| Cash dividends to net income (ytd only)* | 24.0000% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 2,652 |
| Loan loss allowance to noncurrent loans | 113.6029% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 1,824 |
| Noncurrent loans to loans | 1.0427% | 1,569 |
| Net loans and leases to total assets | 65.9967% | 3,137 |
| Net loans and leases to deposits | 83.7628% | 2,537 |
| Net loans and leases to core deposits | 93.6122% | 2,261 |
| Total domestic deposits to total assets | 78.7901% | 4,351 |
| Equity capital to assets | 8.9069% | 4,646 |
| Core capital (leverage) ratio | 8.9678% | 4,680 |
| Tier 1 risk-based capital ratio | 13.0649% | 3,810 |
| Total risk-based capital ratio | 14.1970% | 3,763 |
| Memoranda: | ||
| Average total assets | $77,845,000 | 4,467 |
| Average earning assets | $66,417,000 | 4,551 |
| Average equity | $6,658,400 | 4,799 |
| Average total loans | $48,696,000 | 4,339 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 1,245 |
| Cost of funding earning assets | 0.9152% | 863 |
| Net interest margin | 3.9516% | 2,123 |
| Noninterest income to average assets | 0.3634% | 3,704 |
| Noninterest expense to average assets | 3.2263% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5126% | 4,733 |
| Return on assets (ROA) | 0.5126% | 4,734 |
| Pretax return on assets | 0.5126% | 4,884 |
| Return on Equity (ROE) | 6.0554% | 4,248 |
| Retained earnings to average equity (ytd only) | 3.6251% | 3,954 |
| Net charge-offs to loans | -0.0335% | 4,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2907% | 499 |
| Assets per employee ($millions) | 5.3747% | 2,047 |
| Cash dividends to net income (ytd only)* | 40.1345% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,257 |
| Loan loss allowance to noncurrent loans | 103.3613% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.5703% | 806 |
| Noncurrent loans to loans | 1.2286% | 1,374 |
| Net loans and leases to total assets | 59.3096% | 3,920 |
| Net loans and leases to deposits | 74.4798% | 3,552 |
| Net loans and leases to core deposits | 82.9505% | 3,253 |
| Total domestic deposits to total assets | 79.6319% | 4,189 |
| Equity capital to assets | 8.2572% | 5,054 |
| Core capital (leverage) ratio | 8.7312% | 4,936 |
| Tier 1 risk-based capital ratio | 12.7603% | 4,044 |
| Total risk-based capital ratio | 13.8925% | 4,018 |
| Memoranda: | ||
| Average total assets | $77,776,500 | 4,513 |
| Average earning assets | $66,435,000 | 4,602 |
| Average equity | $6,583,500 | 4,866 |
| Average total loans | $47,826,500 | 4,405 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 1,151 |
| Cost of funding earning assets | 0.8937% | 752 |
| Net interest margin | 3.9456% | 2,047 |
| Noninterest income to average assets | 0.3514% | 3,812 |
| Noninterest expense to average assets | 3.2488% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4816% | 4,788 |
| Return on assets (ROA) | 0.4816% | 4,793 |
| Pretax return on assets | 0.4816% | 4,933 |
| Return on Equity (ROE) | 5.6411% | 4,368 |
| Retained earnings to average equity (ytd only) | 1.9820% | 4,467 |
| Net charge-offs to loans | -0.0336% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0900% | 514 |
| Assets per employee ($millions) | 4.6914% | 2,824 |
| Cash dividends to net income (ytd only)* | 64.8649% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,282 |
| Loan loss allowance to noncurrent loans | 104.9828% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.6826% | 733 |
| Noncurrent loans to loans | 1.2173% | 1,425 |
| Net loans and leases to total assets | 62.8818% | 3,516 |
| Net loans and leases to deposits | 80.3107% | 2,918 |
| Net loans and leases to core deposits | 90.7869% | 2,506 |
| Total domestic deposits to total assets | 78.2982% | 4,538 |
| Equity capital to assets | 8.7620% | 4,754 |
| Core capital (leverage) ratio | 8.9725% | 4,713 |
| Tier 1 risk-based capital ratio | 13.1788% | 3,804 |
| Total risk-based capital ratio | 14.3600% | 3,758 |
| Memoranda: | ||
| Average total assets | $76,828,330 | 4,573 |
| Average earning assets | $65,794,000 | 4,660 |
| Average equity | $6,559,000 | 4,916 |
| Average total loans | $47,625,000 | 4,449 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7198% | 1,263 |
| Cost of funding earning assets | 0.8608% | 721 |
| Net interest margin | 3.8590% | 2,202 |
| Noninterest income to average assets | 0.3552% | 3,771 |
| Noninterest expense to average assets | 3.2325% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4684% | 4,773 |
| Return on assets (ROA) | 0.4684% | 4,775 |
| Pretax return on assets | 0.4684% | 4,926 |
| Return on Equity (ROE) | 5.5573% | 4,299 |
| Retained earnings to average equity (ytd only) | -1.7710% | 4,987 |
| Net charge-offs to loans | -0.0337% | 4,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3435% | 566 |
| Assets per employee ($millions) | 5.1400% | 2,312 |
| Cash dividends to net income (ytd only)* | 131.8681% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 2,375 |
| Loan loss allowance to noncurrent loans | 102.1886% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.6537% | 799 |
| Noncurrent loans to loans | 1.2466% | 1,455 |
| Net loans and leases to total assets | 61.0130% | 3,645 |
| Net loans and leases to deposits | 78.4200% | 2,970 |
| Net loans and leases to core deposits | 87.9320% | 2,635 |
| Total domestic deposits to total assets | 77.8029% | 4,752 |
| Equity capital to assets | 8.4176% | 5,037 |
| Core capital (leverage) ratio | 8.6417% | 5,029 |
| Tier 1 risk-based capital ratio | 12.6974% | 4,111 |
| Total risk-based capital ratio | 13.8440% | 4,086 |
| Memoranda: | ||
| Average total assets | $77,711,000 | 4,610 |
| Average earning assets | $67,375,500 | 4,687 |
| Average equity | $6,550,000 | 4,969 |
| Average total loans | $47,531,500 | 4,498 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0862% | 549 |
| Cost of funding earning assets | 0.9275% | 326 |
| Net interest margin | 4.1587% | 1,279 |
| Noninterest income to average assets | 0.4768% | 3,147 |
| Noninterest expense to average assets | 3.3505% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5903% | 4,053 |
| Return on assets (ROA) | 0.6075% | 4,010 |
| Pretax return on assets | 0.6075% | 4,727 |
| Return on Equity (ROE) | 7.1819% | 3,189 |
| Retained earnings to average equity (ytd only) | 6.7135% | 1,187 |
| Net charge-offs to loans | 0.1017% | 2,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 9.3125% | 2,806 |
| Efficiency ratio | 85.0201% | 700 |
| Assets per employee ($millions) | 5.2215% | 2,229 |
| Cash dividends to net income (ytd only)* | 6.5217% | 4,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,369 |
| Loan loss allowance to noncurrent loans | 99.6694% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.6419% | 799 |
| Noncurrent loans to loans | 1.2760% | 1,377 |
| Net loans and leases to total assets | 59.7686% | 3,850 |
| Net loans and leases to deposits | 79.2135% | 3,002 |
| Net loans and leases to core deposits | 88.0272% | 2,718 |
| Total domestic deposits to total assets | 75.4526% | 5,037 |
| Equity capital to assets | 8.4395% | 5,164 |
| Core capital (leverage) ratio | 8.5820% | 5,064 |
| Tier 1 risk-based capital ratio | 12.6970% | 4,091 |
| Total risk-based capital ratio | 13.8309% | 4,053 |
| Memoranda: | ||
| Average total assets | $75,719,600 | 4,673 |
| Average earning assets | $63,072,800 | 4,802 |
| Average equity | $6,405,000 | 5,039 |
| Average total loans | $47,178,000 | 4,536 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9774% | 644 |
| Cost of funding earning assets | 0.9400% | 275 |
| Net interest margin | 4.0374% | 1,578 |
| Noninterest income to average assets | 0.5097% | 2,970 |
| Noninterest expense to average assets | 3.3657% | 1,213 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4778% | 4,798 |
| Return on assets (ROA) | 0.5009% | 4,762 |
| Pretax return on assets | 0.5009% | 5,027 |
| Return on Equity (ROE) | 5.9176% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.2881% | 2,697 |
| Net charge-offs to loans | 0.1641% | 1,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.6380% | 3,198 |
| Efficiency ratio | 87.5693% | 529 |
| Assets per employee ($millions) | 4.9557% | 2,506 |
| Cash dividends to net income (ytd only)* | 10.6386% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,697 |
| Loan loss allowance to noncurrent loans | 70.0118% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 2.1390% | 585 |
| Noncurrent loans to loans | 1.7700% | 1,016 |
| Net loans and leases to total assets | 63.5784% | 3,475 |
| Net loans and leases to deposits | 85.8074% | 2,319 |
| Net loans and leases to core deposits | 96.0921% | 2,059 |
| Total domestic deposits to total assets | 74.0943% | 5,228 |
| Equity capital to assets | 8.7577% | 5,110 |
| Core capital (leverage) ratio | 8.6347% | 5,120 |
| Tier 1 risk-based capital ratio | 12.4687% | 4,340 |
| Total risk-based capital ratio | 13.5934% | 4,323 |
| Memoranda: | ||
| Average total assets | $75,069,000 | 4,737 |
| Average earning assets | $61,985,250 | 4,869 |
| Average equity | $6,353,750 | 5,106 |
| Average total loans | $47,118,750 | 4,577 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9507% | 613 |
| Cost of funding earning assets | 0.9335% | 248 |
| Net interest margin | 4.0172% | 1,551 |
| Noninterest income to average assets | 0.4594% | 3,293 |
| Noninterest expense to average assets | 3.2717% | 1,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4674% | 4,802 |
| Return on assets (ROA) | 0.4674% | 4,829 |
| Pretax return on assets | 0.4674% | 5,059 |
| Return on Equity (ROE) | 5.5858% | 4,229 |
| Retained earnings to average equity (ytd only) | 4.6337% | 2,954 |
| Net charge-offs to loans | 0.1877% | 1,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,984 |
| Efficiency ratio | 87.5000% | 574 |
| Assets per employee ($millions) | 5.2175% | 2,139 |
| Cash dividends to net income (ytd only)* | 17.0455% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 2,427 |
| Loan loss allowance to noncurrent loans | 68.9773% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 2.1287% | 578 |
| Noncurrent loans to loans | 1.8799% | 930 |
| Net loans and leases to total assets | 59.0368% | 3,917 |
| Net loans and leases to deposits | 78.1186% | 3,108 |
| Net loans and leases to core deposits | 86.3336% | 2,848 |
| Total domestic deposits to total assets | 75.5734% | 5,139 |
| Equity capital to assets | 8.2031% | 5,446 |
| Core capital (leverage) ratio | 8.2708% | 5,376 |
| Tier 1 risk-based capital ratio | 12.2926% | 4,432 |
| Total risk-based capital ratio | 13.4464% | 4,378 |
| Memoranda: | ||
| Average total assets | $75,313,670 | 4,758 |
| Average earning assets | $61,486,000 | 4,910 |
| Average equity | $6,301,670 | 5,143 |
| Average total loans | $46,873,670 | 4,612 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0389% | 489 |
| Cost of funding earning assets | 0.9331% | 234 |
| Net interest margin | 4.1058% | 1,204 |
| Noninterest income to average assets | 0.3684% | 3,901 |
| Noninterest expense to average assets | 3.2503% | 1,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4550% | 4,757 |
| Return on assets (ROA) | 0.4550% | 4,778 |
| Pretax return on assets | 0.4550% | 5,046 |
| Return on Equity (ROE) | 5.3825% | 4,204 |
| Retained earnings to average equity (ytd only) | 3.4602% | 3,708 |
| Net charge-offs to loans | 0.4008% | 460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.7872% | 2,685 |
| Efficiency ratio | 87.7193% | 679 |
| Assets per employee ($millions) | 4.8317% | 2,652 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 2,545 |
| Loan loss allowance to noncurrent loans | 61.0718% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 2.6207% | 423 |
| Noncurrent loans to loans | 2.1266% | 818 |
| Net loans and leases to total assets | 59.3763% | 3,848 |
| Net loans and leases to deposits | 78.8004% | 2,892 |
| Net loans and leases to core deposits | 86.4298% | 2,679 |
| Total domestic deposits to total assets | 75.3502% | 5,305 |
| Equity capital to assets | 8.1157% | 5,465 |
| Core capital (leverage) ratio | 8.5800% | 5,168 |
| Tier 1 risk-based capital ratio | 11.9486% | 4,750 |
| Total risk-based capital ratio | 13.0805% | 4,736 |
| Memoranda: | ||
| Average total assets | $73,839,000 | 4,836 |
| Average earning assets | $60,013,000 | 5,003 |
| Average equity | $6,242,500 | 5,201 |
| Average total loans | $46,905,000 | 4,651 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1749% | 431 |
| Cost of funding earning assets | 1.0426% | 139 |
| Net interest margin | 4.1323% | 1,302 |
| Noninterest income to average assets | 0.4519% | 3,531 |
| Noninterest expense to average assets | 3.2520% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4519% | 4,792 |
| Return on assets (ROA) | 0.4806% | 4,784 |
| Pretax return on assets | 0.4806% | 5,064 |
| Return on Equity (ROE) | 5.7102% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.7102% | 1,875 |
| Net charge-offs to loans | 0.2257% | 1,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.1524% | 3,718 |
| Efficiency ratio | 87.7995% | 694 |
| Assets per employee ($millions) | 4.3982% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 2,186 |
| Loan loss allowance to noncurrent loans | 65.1000% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.9657% | 346 |
| Noncurrent loans to loans | 2.1140% | 827 |
| Net loans and leases to total assets | 66.2958% | 3,031 |
| Net loans and leases to deposits | 90.6799% | 1,611 |
| Net loans and leases to core deposits | 100.1696% | 1,608 |
| Total domestic deposits to total assets | 73.1097% | 5,495 |
| Equity capital to assets | 8.8261% | 4,988 |
| Core capital (leverage) ratio | 8.7871% | 4,981 |
| Tier 1 risk-based capital ratio | 12.1523% | 4,616 |
| Total risk-based capital ratio | 13.4018% | 4,496 |
| Memoranda: | ||
| Average total assets | $73,248,000 | 4,860 |
| Average earning assets | $57,643,600 | 5,085 |
| Average equity | $6,164,400 | 5,252 |
| Average total loans | $46,521,200 | 4,680 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 448 |
| Cost of funding earning assets | 1.0699% | 110 |
| Net interest margin | 4.0913% | 1,408 |
| Noninterest income to average assets | 0.4596% | 3,492 |
| Noninterest expense to average assets | 3.2176% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4128% | 4,976 |
| Return on assets (ROA) | 0.4506% | 4,957 |
| Pretax return on assets | 0.4506% | 5,231 |
| Return on Equity (ROE) | 5.4176% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.4176% | 2,538 |
| Net charge-offs to loans | 0.2705% | 853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.4362% | 3,571 |
| Efficiency ratio | 88.6296% | 639 |
| Assets per employee ($millions) | 5.0612% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 2,216 |
| Loan loss allowance to noncurrent loans | 39.8795% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 2.7951% | 447 |
| Noncurrent loans to loans | 3.5035% | 365 |
| Net loans and leases to total assets | 61.5388% | 3,688 |
| Net loans and leases to deposits | 82.3315% | 2,687 |
| Net loans and leases to core deposits | 90.0364% | 2,572 |
| Total domestic deposits to total assets | 74.7451% | 5,365 |
| Equity capital to assets | 8.2760% | 5,631 |
| Core capital (leverage) ratio | 8.5722% | 5,290 |
| Tier 1 risk-based capital ratio | 11.7738% | 4,934 |
| Total risk-based capital ratio | 13.0232% | 4,836 |
| Memoranda: | ||
| Average total assets | $73,967,250 | 4,888 |
| Average earning assets | $57,322,750 | 5,137 |
| Average equity | $6,152,750 | 5,308 |
| Average total loans | $46,325,500 | 4,721 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0458% | 539 |
| Cost of funding earning assets | 1.0624% | 108 |
| Net interest margin | 3.9833% | 1,695 |
| Noninterest income to average assets | 0.4856% | 3,297 |
| Noninterest expense to average assets | 3.2298% | 1,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3955% | 5,050 |
| Return on assets (ROA) | 0.4528% | 4,948 |
| Pretax return on assets | 0.4528% | 5,239 |
| Return on Equity (ROE) | 5.4343% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.4343% | 2,461 |
| Net charge-offs to loans | -0.0609% | 5,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0895% | 647 |
| Assets per employee ($millions) | 4.8069% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6517% | 1,400 |
| Loan loss allowance to noncurrent loans | 38.4808% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 3.0165% | 401 |
| Noncurrent loans to loans | 4.2922% | 255 |
| Net loans and leases to total assets | 63.5873% | 3,427 |
| Net loans and leases to deposits | 86.1678% | 2,230 |
| Net loans and leases to core deposits | 94.7763% | 2,085 |
| Total domestic deposits to total assets | 73.7948% | 5,537 |
| Equity capital to assets | 8.5973% | 5,538 |
| Core capital (leverage) ratio | 8.4001% | 5,449 |
| Tier 1 risk-based capital ratio | 11.9436% | 4,867 |
| Total risk-based capital ratio | 13.1932% | 4,779 |
| Memoranda: | ||
| Average total assets | $73,317,000 | 4,949 |
| Average earning assets | $57,791,000 | 5,179 |
| Average equity | $6,109,330 | 5,364 |
| Average total loans | $45,973,670 | 4,770 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 741 |
| Cost of funding earning assets | 1.0339% | 135 |
| Net interest margin | 3.8314% | 2,174 |
| Noninterest income to average assets | 0.4221% | 3,670 |
| Noninterest expense to average assets | 3.2087% | 1,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2814% | 5,355 |
| Return on assets (ROA) | 0.3950% | 5,086 |
| Pretax return on assets | 0.3950% | 5,317 |
| Return on Equity (ROE) | 4.8149% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.8149% | 3,058 |
| Net charge-offs to loans | 0.2015% | 988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.2609% | 2,711 |
| Efficiency ratio | 91.9380% | 555 |
| Assets per employee ($millions) | 5.2551% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 1,672 |
| Loan loss allowance to noncurrent loans | 36.1440% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 3.1642% | 388 |
| Noncurrent loans to loans | 4.3767% | 254 |
| Net loans and leases to total assets | 61.9842% | 3,528 |
| Net loans and leases to deposits | 83.0595% | 2,421 |
| Net loans and leases to core deposits | 91.0385% | 2,273 |
| Total domestic deposits to total assets | 74.6262% | 5,556 |
| Equity capital to assets | 8.2898% | 5,701 |
| Core capital (leverage) ratio | 8.2133% | 5,646 |
| Tier 1 risk-based capital ratio | 11.8076% | 5,044 |
| Total risk-based capital ratio | 13.0600% | 4,943 |
| Memoranda: | ||
| Average total assets | $73,923,500 | 4,975 |
| Average earning assets | $59,195,500 | 5,178 |
| Average equity | $6,064,500 | 5,407 |
| Average total loans | $45,651,000 | 4,816 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 451 |
| Cost of funding earning assets | 1.1354% | 77 |
| Net interest margin | 4.0390% | 1,593 |
| Noninterest income to average assets | 0.5378% | 3,089 |
| Noninterest expense to average assets | 3.3834% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3450% | 5,225 |
| Return on assets (ROA) | 0.3450% | 5,317 |
| Pretax return on assets | 0.3450% | 5,428 |
| Return on Equity (ROE) | 4.1416% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.1416% | 3,053 |
| Net charge-offs to loans | 0.1124% | 2,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 4.8039% | 3,487 |
| Efficiency ratio | 90.7477% | 647 |
| Assets per employee ($millions) | 5.3054% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6813% | 1,394 |
| Loan loss allowance to noncurrent loans | 37.1864% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 3.1410% | 406 |
| Noncurrent loans to loans | 4.5212% | 236 |
| Net loans and leases to total assets | 59.5220% | 3,899 |
| Net loans and leases to deposits | 79.4758% | 2,886 |
| Net loans and leases to core deposits | 85.2964% | 2,848 |
| Total domestic deposits to total assets | 74.8933% | 5,561 |
| Equity capital to assets | 8.1185% | 5,802 |
| Core capital (leverage) ratio | 8.1373% | 5,747 |
| Tier 1 risk-based capital ratio | 11.7529% | 5,101 |
| Total risk-based capital ratio | 13.0050% | 5,020 |
| Memoranda: | ||
| Average total assets | $71,023,600 | 5,066 |
| Average earning assets | $56,103,200 | 5,290 |
| Average equity | $5,915,600 | 5,456 |
| Average total loans | $45,393,800 | 4,818 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3187% | 364 |
| Cost of funding earning assets | 1.1803% | 65 |
| Net interest margin | 4.1384% | 1,307 |
| Noninterest income to average assets | 0.5431% | 3,090 |
| Noninterest expense to average assets | 3.4429% | 1,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3095% | 5,427 |
| Return on assets (ROA) | 0.3095% | 5,512 |
| Pretax return on assets | 0.3095% | 5,627 |
| Return on Equity (ROE) | 3.6917% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.6917% | 3,838 |
| Net charge-offs to loans | 0.1230% | 1,897 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.8809% | 3,441 |
| Efficiency ratio | 91.7510% | 585 |
| Assets per employee ($millions) | 5.4280% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 1,468 |
| Loan loss allowance to noncurrent loans | 33.5526% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 4.0814% | 285 |
| Noncurrent loans to loans | 5.0695% | 201 |
| Net loans and leases to total assets | 62.6523% | 3,514 |
| Net loans and leases to deposits | 85.3805% | 2,223 |
| Net loans and leases to core deposits | 92.0927% | 2,254 |
| Total domestic deposits to total assets | 73.3802% | 5,759 |
| Equity capital to assets | 8.4802% | 5,716 |
| Core capital (leverage) ratio | 8.4667% | 5,576 |
| Tier 1 risk-based capital ratio | 11.9226% | 5,128 |
| Total risk-based capital ratio | 13.1761% | 5,046 |
| Memoranda: | ||
| Average total assets | $70,210,750 | 5,153 |
| Average earning assets | $54,447,750 | 5,400 |
| Average equity | $5,887,000 | 5,529 |
| Average total loans | $45,511,500 | 4,857 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3140% | 355 |
| Cost of funding earning assets | 1.1748% | 65 |
| Net interest margin | 4.1392% | 1,254 |
| Noninterest income to average assets | 0.5906% | 2,792 |
| Noninterest expense to average assets | 3.5239% | 1,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3139% | 5,399 |
| Return on assets (ROA) | 0.3139% | 5,492 |
| Pretax return on assets | 0.3139% | 5,641 |
| Return on Equity (ROE) | 3.7577% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.7577% | 3,615 |
| Net charge-offs to loans | 0.1576% | 1,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.0556% | 3,249 |
| Efficiency ratio | 91.8216% | 653 |
| Assets per employee ($millions) | 5.4286% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 1,575 |
| Loan loss allowance to noncurrent loans | 32.2055% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 4.2524% | 297 |
| Noncurrent loans to loans | 5.3101% | 203 |
| Net loans and leases to total assets | 62.7912% | 3,437 |
| Net loans and leases to deposits | 85.2665% | 2,140 |
| Net loans and leases to core deposits | 92.4613% | 2,110 |
| Total domestic deposits to total assets | 73.6411% | 5,825 |
| Equity capital to assets | 8.3503% | 5,797 |
| Core capital (leverage) ratio | 8.3127% | 5,703 |
| Tier 1 risk-based capital ratio | 11.8383% | 5,251 |
| Total risk-based capital ratio | 13.0922% | 5,148 |
| Memoranda: | ||
| Average total assets | $70,093,000 | 5,213 |
| Average earning assets | $54,986,330 | 5,439 |
| Average equity | $5,854,670 | 5,586 |
| Average total loans | $45,690,330 | 4,898 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1386% | 455 |
| Cost of funding earning assets | 1.1643% | 70 |
| Net interest margin | 3.9743% | 1,643 |
| Noninterest income to average assets | 0.7043% | 2,147 |
| Noninterest expense to average assets | 3.6133% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2577% | 5,540 |
| Return on assets (ROA) | 0.2577% | 5,636 |
| Pretax return on assets | 0.2577% | 5,740 |
| Return on Equity (ROE) | 3.0846% | 5,335 |
| Retained earnings to average equity (ytd only) | 3.0846% | 4,128 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3432% | 626 |
| Assets per employee ($millions) | 5.4455% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 1,590 |
| Loan loss allowance to noncurrent loans | 32.7383% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 4.3536% | 316 |
| Noncurrent loans to loans | 5.3774% | 225 |
| Net loans and leases to total assets | 63.6131% | 3,145 |
| Net loans and leases to deposits | 86.1694% | 1,812 |
| Net loans and leases to core deposits | 93.4217% | 1,819 |
| Total domestic deposits to total assets | 73.8233% | 5,916 |
| Equity capital to assets | 8.3159% | 5,860 |
| Core capital (leverage) ratio | 8.1407% | 5,856 |
| Tier 1 risk-based capital ratio | 11.5910% | 5,500 |
| Total risk-based capital ratio | 12.8405% | 5,417 |
| Memoranda: | ||
| Average total assets | $69,853,500 | 5,264 |
| Average earning assets | $55,657,000 | 5,473 |
| Average equity | $5,835,500 | 5,642 |
| Average total loans | $45,993,500 | 4,920 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0712% | 673 |
| Cost of funding earning assets | 1.1981% | 85 |
| Net interest margin | 3.8732% | 2,345 |
| Noninterest income to average assets | 0.6448% | 2,587 |
| Noninterest expense to average assets | 3.5548% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2855% | 5,551 |
| Return on assets (ROA) | 0.2855% | 5,622 |
| Pretax return on assets | 0.2855% | 5,729 |
| Return on Equity (ROE) | 3.5507% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.5507% | 3,705 |
| Net charge-offs to loans | 1.2043% | 221 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.3715% | 4,654 |
| Efficiency ratio | 92.5666% | 674 |
| Assets per employee ($millions) | 4.9225% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7488% | 1,659 |
| Loan loss allowance to noncurrent loans | 33.2509% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 4.7014% | 313 |
| Noncurrent loans to loans | 5.2593% | 266 |
| Net loans and leases to total assets | 65.7912% | 2,920 |
| Net loans and leases to deposits | 89.5481% | 1,558 |
| Net loans and leases to core deposits | 97.2440% | 1,614 |
| Total domestic deposits to total assets | 73.4702% | 5,981 |
| Equity capital to assets | 8.3929% | 5,833 |
| Core capital (leverage) ratio | 8.1044% | 5,929 |
| Tier 1 risk-based capital ratio | 11.6095% | 5,600 |
| Total risk-based capital ratio | 12.8567% | 5,520 |
| Memoranda: | ||
| Average total assets | $70,412,000 | 5,273 |
| Average earning assets | $58,092,200 | 5,455 |
| Average equity | $5,660,800 | 5,700 |
| Average total loans | $44,921,800 | 4,997 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9929% | 780 |
| Cost of funding earning assets | 1.1969% | 90 |
| Net interest margin | 3.7960% | 2,635 |
| Noninterest income to average assets | 0.6442% | 2,607 |
| Noninterest expense to average assets | 3.4827% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2976% | 5,592 |
| Return on assets (ROA) | 0.2976% | 5,667 |
| Pretax return on assets | 0.2976% | 5,779 |
| Return on Equity (ROE) | 3.7417% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.7417% | 3,984 |
| Net charge-offs to loans | 1.5121% | 158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.3123% | 4,406 |
| Efficiency ratio | 92.1276% | 701 |
| Assets per employee ($millions) | 5.0446% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8786% | 1,509 |
| Loan loss allowance to noncurrent loans | 34.2555% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 4.6939% | 381 |
| Noncurrent loans to loans | 5.4842% | 291 |
| Net loans and leases to total assets | 62.2706% | 3,445 |
| Net loans and leases to deposits | 84.2377% | 2,116 |
| Net loans and leases to core deposits | 91.2426% | 2,090 |
| Total domestic deposits to total assets | 73.9225% | 6,021 |
| Equity capital to assets | 8.1049% | 6,076 |
| Core capital (leverage) ratio | 8.1730% | 5,955 |
| Tier 1 risk-based capital ratio | 11.6559% | 5,701 |
| Total risk-based capital ratio | 12.9051% | 5,620 |
| Memoranda: | ||
| Average total assets | $70,786,250 | 5,323 |
| Average earning assets | $58,481,250 | 5,502 |
| Average equity | $5,630,000 | 5,763 |
| Average total loans | $44,615,500 | 5,065 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 893 |
| Cost of funding earning assets | 1.1726% | 99 |
| Net interest margin | 3.7389% | 2,800 |
| Noninterest income to average assets | 0.5110% | 3,397 |
| Noninterest expense to average assets | 3.4331% | 1,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2287% | 5,759 |
| Return on assets (ROA) | 0.2287% | 5,825 |
| Pretax return on assets | 0.2287% | 5,910 |
| Return on Equity (ROE) | 2.8935% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.8935% | 4,359 |
| Net charge-offs to loans | 0.0045% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 654 |
| Efficiency ratio | 93.7548% | 656 |
| Assets per employee ($millions) | 5.1589% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9857% | 390 |
| Loan loss allowance to noncurrent loans | 38.9306% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 5.6019% | 299 |
| Noncurrent loans to loans | 7.6693% | 144 |
| Net loans and leases to total assets | 60.5995% | 3,617 |
| Net loans and leases to deposits | 81.1917% | 2,358 |
| Net loans and leases to core deposits | 87.7220% | 2,337 |
| Total domestic deposits to total assets | 74.6376% | 6,054 |
| Equity capital to assets | 7.8255% | 6,244 |
| Core capital (leverage) ratio | 8.0577% | 6,053 |
| Tier 1 risk-based capital ratio | 11.6695% | 5,709 |
| Total risk-based capital ratio | 12.9312% | 5,650 |
| Memoranda: | ||
| Average total assets | $70,840,330 | 5,362 |
| Average earning assets | $59,696,330 | 5,510 |
| Average equity | $5,598,670 | 5,806 |
| Average total loans | $44,547,330 | 5,098 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 1,394 |
| Cost of funding earning assets | 1.1381% | 133 |
| Net interest margin | 3.5052% | 3,668 |
| Noninterest income to average assets | 0.5132% | 3,310 |
| Noninterest expense to average assets | 3.4670% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1197% | 5,985 |
| Return on assets (ROA) | 0.1197% | 6,018 |
| Pretax return on assets | 0.1197% | 6,042 |
| Return on Equity (ROE) | 1.5075% | 5,924 |
| Retained earnings to average equity (ytd only) | 1.5075% | 5,007 |
| Net charge-offs to loans | 0.0904% | 2,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.1000% | 2,951 |
| Efficiency ratio | 96.6614% | 605 |
| Assets per employee ($millions) | 4.6607% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9659% | 450 |
| Loan loss allowance to noncurrent loans | 45.3252% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 5.1652% | 383 |
| Noncurrent loans to loans | 6.5436% | 252 |
| Net loans and leases to total assets | 62.6162% | 3,137 |
| Net loans and leases to deposits | 84.6139% | 1,762 |
| Net loans and leases to core deposits | 91.6946% | 1,761 |
| Total domestic deposits to total assets | 74.0023% | 6,242 |
| Equity capital to assets | 7.9974% | 6,061 |
| Core capital (leverage) ratio | 8.0918% | 6,046 |
| Tier 1 risk-based capital ratio | 11.8177% | 5,748 |
| Total risk-based capital ratio | 13.0773% | 5,680 |
| Memoranda: | ||
| Average total assets | $70,148,000 | 5,439 |
| Average earning assets | $61,508,500 | 5,524 |
| Average equity | $5,572,000 | 5,846 |
| Average total loans | $44,263,500 | 5,156 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 2,031 |
| Cost of funding earning assets | 1.3112% | 106 |
| Net interest margin | 3.2403% | 4,858 |
| Noninterest income to average assets | 0.4977% | 3,780 |
| Noninterest expense to average assets | 3.3176% | 2,099 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0197% | 6,181 |
| Return on assets (ROA) | 0.0197% | 6,221 |
| Pretax return on assets | 0.0197% | 6,200 |
| Return on Equity (ROE) | 0.2494% | 6,206 |
| Retained earnings to average equity (ytd only) | 0.2494% | 5,734 |
| Net charge-offs to loans | 0.2997% | 2,190 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.1061% | 5,049 |
| Efficiency ratio | 99.4085% | 498 |
| Assets per employee ($millions) | 4.6924% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1050% | 415 |
| Loan loss allowance to noncurrent loans | 34.7065% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 6.2299% | 300 |
| Noncurrent loans to loans | 8.9464% | 148 |
| Net loans and leases to total assets | 59.7647% | 3,760 |
| Net loans and leases to deposits | 80.4598% | 2,390 |
| Net loans and leases to core deposits | 87.1058% | 2,338 |
| Total domestic deposits to total assets | 74.2790% | 6,259 |
| Equity capital to assets | 7.8894% | 6,093 |
| Core capital (leverage) ratio | 7.7093% | 6,299 |
| Tier 1 risk-based capital ratio | 12.5814% | 5,239 |
| Total risk-based capital ratio | 13.8455% | 5,181 |
| Memoranda: | ||
| Average total assets | $70,924,600 | 5,441 |
| Average earning assets | $62,155,400 | 5,534 |
| Average equity | $5,612,600 | 5,902 |
| Average total loans | $44,037,800 | 5,190 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 1,894 |
| Cost of funding earning assets | 1.3306% | 106 |
| Net interest margin | 3.2719% | 4,744 |
| Noninterest income to average assets | 0.4916% | 3,871 |
| Noninterest expense to average assets | 3.3080% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0488% | 6,222 |
| Return on assets (ROA) | 0.0488% | 6,274 |
| Pretax return on assets | 0.0488% | 6,260 |
| Return on Equity (ROE) | 0.6161% | 6,249 |
| Retained earnings to average equity (ytd only) | 0.6161% | 5,723 |
| Net charge-offs to loans | 0.4465% | 1,436 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.1757% | 4,804 |
| Efficiency ratio | 98.5467% | 514 |
| Assets per employee ($millions) | 4.8243% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1393% | 478 |
| Loan loss allowance to noncurrent loans | 41.5083% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 5.4806% | 479 |
| Noncurrent loans to loans | 7.5630% | 251 |
| Net loans and leases to total assets | 56.7934% | 4,204 |
| Net loans and leases to deposits | 76.0609% | 2,960 |
| Net loans and leases to core deposits | 82.7155% | 2,805 |
| Total domestic deposits to total assets | 74.6683% | 6,314 |
| Equity capital to assets | 7.7207% | 6,299 |
| Core capital (leverage) ratio | 7.7440% | 6,359 |
| Tier 1 risk-based capital ratio | 13.0039% | 5,120 |
| Total risk-based capital ratio | 14.2770% | 5,057 |
| Memoranda: | ||
| Average total assets | $71,059,250 | 5,502 |
| Average earning assets | $62,225,500 | 5,587 |
| Average equity | $5,627,500 | 5,965 |
| Average total loans | $44,193,750 | 5,233 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 1,632 |
| Cost of funding earning assets | 1.3476% | 114 |
| Net interest margin | 3.3270% | 4,462 |
| Noninterest income to average assets | 0.4758% | 3,989 |
| Noninterest expense to average assets | 3.3161% | 2,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0680% | 6,205 |
| Return on assets (ROA) | 0.0680% | 6,283 |
| Pretax return on assets | 0.0680% | 6,280 |
| Return on Equity (ROE) | 0.8509% | 6,241 |
| Retained earnings to average equity (ytd only) | 0.8509% | 5,558 |
| Net charge-offs to loans | 0.2322% | 2,334 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.4615% | 4,382 |
| Efficiency ratio | 97.9916% | 566 |
| Assets per employee ($millions) | 4.7017% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3089% | 432 |
| Loan loss allowance to noncurrent loans | 45.5067% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 6.1723% | 434 |
| Noncurrent loans to loans | 7.2713% | 316 |
| Net loans and leases to total assets | 59.1677% | 3,802 |
| Net loans and leases to deposits | 79.9418% | 2,329 |
| Net loans and leases to core deposits | 87.8041% | 2,131 |
| Total domestic deposits to total assets | 74.0135% | 6,443 |
| Equity capital to assets | 7.9305% | 6,246 |
| Core capital (leverage) ratio | 7.8646% | 6,270 |
| Tier 1 risk-based capital ratio | 12.7582% | 5,318 |
| Total risk-based capital ratio | 14.0354% | 5,236 |
| Memoranda: | ||
| Average total assets | $70,624,330 | 5,549 |
| Average earning assets | $61,737,330 | 5,644 |
| Average equity | $5,641,000 | 6,007 |
| Average total loans | $44,781,670 | 5,233 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 1,485 |
| Cost of funding earning assets | 1.3492% | 125 |
| Net interest margin | 3.3697% | 4,236 |
| Noninterest income to average assets | 0.4811% | 3,911 |
| Noninterest expense to average assets | 3.3619% | 1,925 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0736% | 6,198 |
| Return on assets (ROA) | 0.0736% | 6,287 |
| Pretax return on assets | 0.0736% | 6,300 |
| Return on Equity (ROE) | 0.9179% | 6,239 |
| Retained earnings to average equity (ytd only) | 0.9179% | 5,478 |
| Net charge-offs to loans | 0.0965% | 2,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.1818% | 3,435 |
| Efficiency ratio | 97.8583% | 639 |
| Assets per employee ($millions) | 4.8244% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2580% | 514 |
| Loan loss allowance to noncurrent loans | 40.1805% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 5.9918% | 534 |
| Noncurrent loans to loans | 8.1084% | 317 |
| Net loans and leases to total assets | 60.2769% | 3,378 |
| Net loans and leases to deposits | 80.5585% | 2,014 |
| Net loans and leases to core deposits | 88.1568% | 1,890 |
| Total domestic deposits to total assets | 74.8238% | 6,472 |
| Equity capital to assets | 7.8324% | 6,457 |
| Core capital (leverage) ratio | 7.9798% | 6,164 |
| Tier 1 risk-based capital ratio | 12.2911% | 5,725 |
| Total risk-based capital ratio | 13.5663% | 5,659 |
| Memoranda: | ||
| Average total assets | $70,674,000 | 5,604 |
| Average earning assets | $61,964,000 | 5,679 |
| Average equity | $5,665,000 | 6,060 |
| Average total loans | $45,594,500 | 5,230 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1286% | 1,247 |
| Cost of funding earning assets | 1.6892% | 73 |
| Net interest margin | 3.4394% | 4,744 |
| Noninterest income to average assets | 0.4615% | 4,162 |
| Noninterest expense to average assets | 3.4658% | 1,914 |
| Loan and lease loss provision to assets | 0.6210% | 871 |
| Net operating income to assets | -0.6350% | 6,627 |
| Return on assets (ROA) | -0.6350% | 6,657 |
| Pretax return on assets | -0.6350% | 6,630 |
| Return on Equity (ROE) | -7.4666% | 6,671 |
| Retained earnings to average equity (ytd only) | -7.4666% | 6,551 |
| Net charge-offs to loans | 0.8528% | 1,348 |
| Credit loss provision to net charge-offs | 111.5578% | 2,616 |
| Earnings coverage of net charge-offs (x) | -0.0251% | 5,496 |
| Efficiency ratio | 100.4052% | 551 |
| Assets per employee ($millions) | 4.5988% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2104% | 547 |
| Loan loss allowance to noncurrent loans | 35.8180% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 7.0787% | 435 |
| Noncurrent loans to loans | 8.9631% | 294 |
| Net loans and leases to total assets | 64.6835% | 2,778 |
| Net loans and leases to deposits | 87.9385% | 1,286 |
| Net loans and leases to core deposits | 96.8316% | 1,240 |
| Total domestic deposits to total assets | 73.5554% | 6,576 |
| Equity capital to assets | 8.2079% | 6,277 |
| Core capital (leverage) ratio | 7.5173% | 6,496 |
| Tier 1 risk-based capital ratio | 11.9436% | 5,827 |
| Total risk-based capital ratio | 13.2179% | 5,765 |
| Memoranda: | ||
| Average total assets | $71,499,600 | 5,589 |
| Average earning assets | $62,161,400 | 5,662 |
| Average equity | $6,080,400 | 6,002 |
| Average total loans | $46,667,200 | 5,221 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1538% | 1,291 |
| Cost of funding earning assets | 1.7406% | 76 |
| Net interest margin | 3.4132% | 4,987 |
| Noninterest income to average assets | 0.4492% | 4,296 |
| Noninterest expense to average assets | 3.2423% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1719% | 5,983 |
| Return on assets (ROA) | 0.1719% | 6,137 |
| Pretax return on assets | 0.1719% | 6,166 |
| Return on Equity (ROE) | 2.0049% | 6,020 |
| Retained earnings to average equity (ytd only) | 2.0049% | 5,318 |
| Net charge-offs to loans | 0.2848% | 3,018 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.9300% | 4,861 |
| Efficiency ratio | 94.9648% | 713 |
| Assets per employee ($millions) | 5.0108% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8620% | 838 |
| Loan loss allowance to noncurrent loans | 26.8519% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 8.0360% | 381 |
| Noncurrent loans to loans | 10.6587% | 217 |
| Net loans and leases to total assets | 60.2379% | 3,730 |
| Net loans and leases to deposits | 80.5121% | 2,311 |
| Net loans and leases to core deposits | 86.0613% | 2,456 |
| Total domestic deposits to total assets | 74.8184% | 6,536 |
| Equity capital to assets | 8.2928% | 6,421 |
| Core capital (leverage) ratio | 8.2208% | 6,116 |
| Tier 1 risk-based capital ratio | 12.6227% | 5,541 |
| Total risk-based capital ratio | 13.8833% | 5,494 |
| Memoranda: | ||
| Average total assets | $72,129,000 | 5,631 |
| Average earning assets | $62,657,750 | 5,712 |
| Average equity | $6,185,000 | 6,041 |
| Average total loans | $46,809,000 | 5,281 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2089% | 1,222 |
| Cost of funding earning assets | 1.7827% | 72 |
| Net interest margin | 3.4261% | 4,985 |
| Noninterest income to average assets | 0.4556% | 4,249 |
| Noninterest expense to average assets | 3.2734% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1547% | 6,030 |
| Return on assets (ROA) | 0.1547% | 6,199 |
| Pretax return on assets | 0.1547% | 6,220 |
| Return on Equity (ROE) | 1.7831% | 6,107 |
| Retained earnings to average equity (ytd only) | 1.7831% | 5,303 |
| Net charge-offs to loans | 0.2645% | 2,996 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.8871% | 4,603 |
| Efficiency ratio | 95.4881% | 726 |
| Assets per employee ($millions) | 4.5513% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9211% | 851 |
| Loan loss allowance to noncurrent loans | 30.6182% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 7.6407% | 469 |
| Noncurrent loans to loans | 9.5405% | 293 |
| Net loans and leases to total assets | 62.6138% | 3,304 |
| Net loans and leases to deposits | 84.4308% | 1,800 |
| Net loans and leases to core deposits | 88.9279% | 2,109 |
| Total domestic deposits to total assets | 74.1599% | 6,666 |
| Equity capital to assets | 8.5099% | 6,203 |
| Core capital (leverage) ratio | 8.3315% | 5,869 |
| Tier 1 risk-based capital ratio | 12.5333% | 5,543 |
| Total risk-based capital ratio | 13.8223% | 5,499 |
| Memoranda: | ||
| Average total assets | $71,118,000 | 5,695 |
| Average earning assets | $61,702,670 | 5,775 |
| Average equity | $6,169,000 | 6,071 |
| Average total loans | $46,875,330 | 5,310 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2722% | 1,165 |
| Cost of funding earning assets | 1.8384% | 73 |
| Net interest margin | 3.4338% | 4,983 |
| Noninterest income to average assets | 0.4668% | 4,172 |
| Noninterest expense to average assets | 3.3188% | 2,235 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1252% | 6,182 |
| Return on assets (ROA) | 0.1252% | 6,311 |
| Pretax return on assets | 0.1252% | 6,343 |
| Return on Equity (ROE) | 1.4297% | 6,242 |
| Retained earnings to average equity (ytd only) | 1.4297% | 5,518 |
| Net charge-offs to loans | 0.2648% | 2,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.7097% | 3,981 |
| Efficiency ratio | 96.3636% | 702 |
| Assets per employee ($millions) | 4.4553% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0040% | 824 |
| Loan loss allowance to noncurrent loans | 30.1138% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 8.1561% | 460 |
| Noncurrent loans to loans | 9.9756% | 307 |
| Net loans and leases to total assets | 63.5500% | 2,936 |
| Net loans and leases to deposits | 86.2498% | 1,389 |
| Net loans and leases to core deposits | 90.7672% | 1,773 |
| Total domestic deposits to total assets | 73.6813% | 6,772 |
| Equity capital to assets | 8.6387% | 5,943 |
| Core capital (leverage) ratio | 8.5541% | 5,504 |
| Tier 1 risk-based capital ratio | 12.4732% | 5,626 |
| Total risk-based capital ratio | 13.7628% | 5,555 |
| Memoranda: | ||
| Average total assets | $70,266,500 | 5,761 |
| Average earning assets | $60,923,500 | 5,843 |
| Average equity | $6,155,000 | 6,108 |
| Average total loans | $46,829,000 | 5,349 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2743% | 1,793 |
| Cost of funding earning assets | 2.0817% | 69 |
| Net interest margin | 3.1926% | 6,117 |
| Noninterest income to average assets | 0.4191% | 4,461 |
| Noninterest expense to average assets | 3.3648% | 2,325 |
| Loan and lease loss provision to assets | 0.3339% | 3,020 |
| Net operating income to assets | -0.4786% | 6,470 |
| Return on assets (ROA) | -0.4786% | 6,526 |
| Pretax return on assets | -0.4786% | 6,483 |
| Return on Equity (ROE) | -5.5891% | 6,560 |
| Retained earnings to average equity (ytd only) | -5.5891% | 6,486 |
| Net charge-offs to loans | 1.2409% | 1,341 |
| Credit loss provision to net charge-offs | 41.0982% | 5,611 |
| Earnings coverage of net charge-offs (x) | -0.1780% | 5,943 |
| Efficiency ratio | 104.4920% | 555 |
| Assets per employee ($millions) | 4.3281% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0541% | 776 |
| Loan loss allowance to noncurrent loans | 30.3364% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 8.8434% | 416 |
| Noncurrent loans to loans | 10.0673% | 311 |
| Net loans and leases to total assets | 65.7338% | 2,832 |
| Net loans and leases to deposits | 90.1922% | 1,136 |
| Net loans and leases to core deposits | 94.6283% | 1,624 |
| Total domestic deposits to total assets | 72.8819% | 6,820 |
| Equity capital to assets | 8.8839% | 5,694 |
| Core capital (leverage) ratio | 8.2551% | 5,919 |
| Tier 1 risk-based capital ratio | 12.2600% | 5,637 |
| Total risk-based capital ratio | 13.5302% | 5,596 |
| Memoranda: | ||
| Average total assets | $73,971,200 | 5,646 |
| Average earning assets | $64,900,200 | 5,704 |
| Average equity | $6,333,800 | 6,062 |
| Average total loans | $48,431,400 | 5,326 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2616% | 1,986 |
| Cost of funding earning assets | 2.0913% | 81 |
| Net interest margin | 3.1703% | 6,232 |
| Noninterest income to average assets | 0.5376% | 3,599 |
| Noninterest expense to average assets | 3.2715% | 2,591 |
| Loan and lease loss provision to assets | 0.4382% | 2,286 |
| Net operating income to assets | -0.3832% | 6,567 |
| Return on assets (ROA) | -0.3832% | 6,618 |
| Pretax return on assets | -0.3832% | 6,554 |
| Return on Equity (ROE) | -4.5145% | 6,656 |
| Retained earnings to average equity (ytd only) | -4.5145% | 6,562 |
| Net charge-offs to loans | 0.9481% | 1,704 |
| Credit loss provision to net charge-offs | 71.1816% | 4,443 |
| Earnings coverage of net charge-offs (x) | 0.0893% | 5,535 |
| Efficiency ratio | 98.3467% | 723 |
| Assets per employee ($millions) | 4.8907% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5686% | 535 |
| Loan loss allowance to noncurrent loans | 46.5142% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 6.8893% | 724 |
| Noncurrent loans to loans | 7.6720% | 601 |
| Net loans and leases to total assets | 62.1783% | 3,682 |
| Net loans and leases to deposits | 83.9434% | 2,011 |
| Net loans and leases to core deposits | 87.7631% | 2,521 |
| Total domestic deposits to total assets | 74.0717% | 6,748 |
| Equity capital to assets | 8.6041% | 6,199 |
| Core capital (leverage) ratio | 8.2688% | 6,025 |
| Tier 1 risk-based capital ratio | 12.5221% | 5,468 |
| Total risk-based capital ratio | 13.8188% | 5,423 |
| Memoranda: | ||
| Average total assets | $75,151,750 | 5,639 |
| Average earning assets | $66,112,000 | 5,708 |
| Average equity | $6,379,250 | 6,089 |
| Average total loans | $48,800,750 | 5,354 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2034% | 2,245 |
| Cost of funding earning assets | 2.0962% | 102 |
| Net interest margin | 3.1072% | 6,392 |
| Noninterest income to average assets | 0.5993% | 3,150 |
| Noninterest expense to average assets | 3.3162% | 2,505 |
| Loan and lease loss provision to assets | 0.4673% | 2,112 |
| Net operating income to assets | -0.4251% | 6,637 |
| Return on assets (ROA) | -0.4251% | 6,663 |
| Pretax return on assets | -0.4251% | 6,607 |
| Return on Equity (ROE) | -5.0299% | 6,718 |
| Retained earnings to average equity (ytd only) | -5.0299% | 6,570 |
| Net charge-offs to loans | 1.1440% | 1,370 |
| Credit loss provision to net charge-offs | 62.7660% | 4,279 |
| Earnings coverage of net charge-offs (x) | 0.0567% | 5,249 |
| Efficiency ratio | 98.7421% | 765 |
| Assets per employee ($millions) | 4.8596% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4792% | 604 |
| Loan loss allowance to noncurrent loans | 44.3946% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 6.3457% | 854 |
| Noncurrent loans to loans | 7.8370% | 592 |
| Net loans and leases to total assets | 60.0491% | 4,262 |
| Net loans and leases to deposits | 79.5251% | 2,882 |
| Net loans and leases to core deposits | 82.8542% | 3,383 |
| Total domestic deposits to total assets | 75.5096% | 6,672 |
| Equity capital to assets | 8.1720% | 6,539 |
| Core capital (leverage) ratio | 8.1549% | 6,091 |
| Tier 1 risk-based capital ratio | 12.2995% | 5,519 |
| Total risk-based capital ratio | 13.5838% | 5,472 |
| Memoranda: | ||
| Average total assets | $75,749,000 | 5,660 |
| Average earning assets | $67,263,330 | 5,720 |
| Average equity | $6,401,670 | 6,114 |
| Average total loans | $49,300,330 | 5,384 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2971% | 1,874 |
| Cost of funding earning assets | 2.1416% | 104 |
| Net interest margin | 3.1555% | 6,205 |
| Noninterest income to average assets | 0.7438% | 2,291 |
| Noninterest expense to average assets | 3.3339% | 2,458 |
| Loan and lease loss provision to assets | 0.5887% | 1,465 |
| Net operating income to assets | -0.3639% | 6,718 |
| Return on assets (ROA) | -0.3639% | 6,724 |
| Pretax return on assets | -0.3639% | 6,663 |
| Return on Equity (ROE) | -4.2331% | 6,762 |
| Retained earnings to average equity (ytd only) | -4.2331% | 6,448 |
| Net charge-offs to loans | 0.7395% | 1,738 |
| Credit loss provision to net charge-offs | 119.5652% | 2,282 |
| Earnings coverage of net charge-offs (x) | 0.4565% | 4,276 |
| Efficiency ratio | 93.6842% | 1,055 |
| Assets per employee ($millions) | 4.7365% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6468% | 542 |
| Loan loss allowance to noncurrent loans | 45.5371% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 6.9249% | 779 |
| Noncurrent loans to loans | 8.0084% | 625 |
| Net loans and leases to total assets | 62.9645% | 3,672 |
| Net loans and leases to deposits | 83.9822% | 2,037 |
| Net loans and leases to core deposits | 87.9414% | 2,605 |
| Total domestic deposits to total assets | 74.9736% | 6,798 |
| Equity capital to assets | 8.4253% | 6,023 |
| Core capital (leverage) ratio | 8.3754% | 5,675 |
| Tier 1 risk-based capital ratio | 12.3246% | 5,422 |
| Total risk-based capital ratio | 13.6136% | 5,375 |
| Memoranda: | ||
| Average total assets | $74,747,000 | 5,737 |
| Average earning assets | $66,678,000 | 5,780 |
| Average equity | $6,425,500 | 6,121 |
| Average total loans | $49,764,000 | 5,404 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6620% | 1,710 |
| Cost of funding earning assets | 2.4943% | 111 |
| Net interest margin | 3.1677% | 6,345 |
| Noninterest income to average assets | 0.4558% | 4,475 |
| Noninterest expense to average assets | 3.7251% | 1,643 |
| Loan and lease loss provision to assets | 1.2805% | 1,206 |
| Net operating income to assets | -1.6871% | 6,967 |
| Return on assets (ROA) | -1.3427% | 6,874 |
| Pretax return on assets | -1.3427% | 6,797 |
| Return on Equity (ROE) | -15.0911% | 6,919 |
| Retained earnings to average equity (ytd only) | -15.0911% | 6,882 |
| Net charge-offs to loans | 2.3726% | 806 |
| Credit loss provision to net charge-offs | 78.3056% | 5,621 |
| Earnings coverage of net charge-offs (x) | -0.2486% | 6,318 |
| Efficiency ratio | 112.2513% | 504 |
| Assets per employee ($millions) | 4.6069% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5756% | 558 |
| Loan loss allowance to noncurrent loans | 39.7952% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 8.4005% | 566 |
| Noncurrent loans to loans | 8.9851% | 522 |
| Net loans and leases to total assets | 65.4145% | 3,573 |
| Net loans and leases to deposits | 88.1578% | 1,764 |
| Net loans and leases to core deposits | 91.2130% | 2,587 |
| Total domestic deposits to total assets | 74.2016% | 6,865 |
| Equity capital to assets | 8.7722% | 5,479 |
| Core capital (leverage) ratio | 8.2580% | 5,746 |
| Tier 1 risk-based capital ratio | 12.8696% | 4,710 |
| Total risk-based capital ratio | 14.1484% | 4,658 |
| Memoranda: | ||
| Average total assets | $77,233,600 | 5,671 |
| Average earning assets | $69,798,800 | 5,678 |
| Average equity | $6,871,600 | 6,082 |
| Average total loans | $53,232,400 | 5,346 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7726% | 1,477 |
| Cost of funding earning assets | 2.5803% | 105 |
| Net interest margin | 3.1923% | 6,369 |
| Noninterest income to average assets | 0.4523% | 4,542 |
| Noninterest expense to average assets | 3.5742% | 1,844 |
| Loan and lease loss provision to assets | 1.5686% | 836 |
| Net operating income to assets | -1.8058% | 7,185 |
| Return on assets (ROA) | -1.3518% | 7,078 |
| Pretax return on assets | -1.3518% | 6,994 |
| Return on Equity (ROE) | -15.1437% | 7,112 |
| Retained earnings to average equity (ytd only) | -15.1437% | 7,085 |
| Net charge-offs to loans | 1.4828% | 1,358 |
| Credit loss provision to net charge-offs | 152.9118% | 2,528 |
| Earnings coverage of net charge-offs (x) | -0.2313% | 6,198 |
| Efficiency ratio | 107.1100% | 577 |
| Assets per employee ($millions) | 5.4691% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6585% | 227 |
| Loan loss allowance to noncurrent loans | 77.0725% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 4.6886% | 1,408 |
| Noncurrent loans to loans | 6.0444% | 1,028 |
| Net loans and leases to total assets | 63.6153% | 4,200 |
| Net loans and leases to deposits | 85.2361% | 2,479 |
| Net loans and leases to core deposits | 88.8834% | 3,254 |
| Total domestic deposits to total assets | 74.6343% | 6,837 |
| Equity capital to assets | 8.8549% | 5,770 |
| Core capital (leverage) ratio | 8.5305% | 5,450 |
| Tier 1 risk-based capital ratio | 13.4218% | 4,250 |
| Total risk-based capital ratio | 14.7163% | 4,178 |
| Memoranda: | ||
| Average total assets | $78,114,500 | 5,710 |
| Average earning assets | $70,584,000 | 5,720 |
| Average equity | $6,973,000 | 6,124 |
| Average total loans | $54,039,250 | 5,388 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9739% | 1,009 |
| Cost of funding earning assets | 2.7146% | 84 |
| Net interest margin | 3.2593% | 6,137 |
| Noninterest income to average assets | 0.4171% | 4,778 |
| Noninterest expense to average assets | 3.5864% | 1,814 |
| Loan and lease loss provision to assets | 0.0738% | 6,206 |
| Net operating income to assets | -0.2900% | 6,463 |
| Return on assets (ROA) | -0.2137% | 6,421 |
| Pretax return on assets | -0.2137% | 6,353 |
| Return on Equity (ROE) | -2.3873% | 6,454 |
| Retained earnings to average equity (ytd only) | -2.3873% | 6,206 |
| Net charge-offs to loans | 0.0509% | 5,673 |
| Credit loss provision to net charge-offs | 207.1429% | 1,874 |
| Earnings coverage of net charge-offs (x) | -6.0714% | 6,295 |
| Efficiency ratio | 106.4151% | 626 |
| Assets per employee ($millions) | 5.4770% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8355% | 423 |
| Loan loss allowance to noncurrent loans | 44.9567% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 6.6799% | 824 |
| Noncurrent loans to loans | 8.5315% | 579 |
| Net loans and leases to total assets | 67.9139% | 3,384 |
| Net loans and leases to deposits | 92.1796% | 1,501 |
| Net loans and leases to core deposits | 96.1592% | 2,422 |
| Total domestic deposits to total assets | 73.6756% | 7,016 |
| Equity capital to assets | 9.8281% | 4,232 |
| Core capital (leverage) ratio | 9.0418% | 4,540 |
| Tier 1 risk-based capital ratio | 14.0178% | 3,721 |
| Total risk-based capital ratio | 15.3216% | 3,644 |
| Memoranda: | ||
| Average total assets | $78,630,000 | 5,740 |
| Average earning assets | $71,243,330 | 5,733 |
| Average equity | $7,037,330 | 6,126 |
| Average total loans | $55,022,670 | 5,381 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9511% | 1,075 |
| Cost of funding earning assets | 2.8423% | 72 |
| Net interest margin | 3.1088% | 6,568 |
| Noninterest income to average assets | 0.4673% | 4,322 |
| Noninterest expense to average assets | 3.5173% | 1,935 |
| Loan and lease loss provision to assets | 0.1457% | 5,091 |
| Net operating income to assets | -0.3819% | 6,744 |
| Return on assets (ROA) | -0.2311% | 6,651 |
| Pretax return on assets | -0.2311% | 6,582 |
| Return on Equity (ROE) | -2.7107% | 6,716 |
| Retained earnings to average equity (ytd only) | -2.7107% | 6,326 |
| Net charge-offs to loans | 0.2524% | 3,435 |
| Credit loss provision to net charge-offs | 82.8571% | 3,817 |
| Earnings coverage of net charge-offs (x) | -1.3429% | 5,417 |
| Efficiency ratio | 107.1975% | 653 |
| Assets per employee ($millions) | 6.0081% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7278% | 460 |
| Loan loss allowance to noncurrent loans | 61.4098% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 5.0289% | 1,274 |
| Noncurrent loans to loans | 6.0704% | 1,078 |
| Net loans and leases to total assets | 63.1250% | 4,506 |
| Net loans and leases to deposits | 81.9841% | 3,285 |
| Net loans and leases to core deposits | 111.1234% | 1,212 |
| Total domestic deposits to total assets | 76.9967% | 6,564 |
| Equity capital to assets | 8.0248% | 6,626 |
| Core capital (leverage) ratio | 8.1256% | 6,030 |
| Tier 1 risk-based capital ratio | 11.6830% | 5,504 |
| Total risk-based capital ratio | 12.9629% | 5,426 |
| Memoranda: | ||
| Average total assets | $79,606,000 | 5,780 |
| Average earning assets | $72,053,500 | 5,774 |
| Average equity | $6,788,000 | 6,256 |
| Average total loans | $55,458,000 | 5,441 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1713% | 1,317 |
| Cost of funding earning assets | 2.8784% | 331 |
| Net interest margin | 3.2929% | 5,776 |
| Noninterest income to average assets | 0.3152% | 5,826 |
| Noninterest expense to average assets | 3.7262% | 1,849 |
| Loan and lease loss provision to assets | 1.2537% | 1,846 |
| Net operating income to assets | -1.6994% | 6,958 |
| Return on assets (ROA) | -1.6994% | 6,965 |
| Pretax return on assets | -1.6994% | 6,818 |
| Return on Equity (ROE) | -20.7284% | 7,163 |
| Retained earnings to average equity (ytd only) | -20.7284% | 7,132 |
| Net charge-offs to loans | 1.3976% | 1,795 |
| Credit loss provision to net charge-offs | 128.3066% | 4,017 |
| Earnings coverage of net charge-offs (x) | -0.4561% | 6,662 |
| Efficiency ratio | 113.5862% | 725 |
| Assets per employee ($millions) | 5.7768% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6978% | 448 |
| Loan loss allowance to noncurrent loans | 67.0351% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 5.2704% | 1,124 |
| Noncurrent loans to loans | 5.5162% | 1,167 |
| Net loans and leases to total assets | 71.5079% | 2,883 |
| Net loans and leases to deposits | 96.4198% | 1,279 |
| Net loans and leases to core deposits | 125.8696% | 1,523 |
| Total domestic deposits to total assets | 74.1631% | 6,996 |
| Equity capital to assets | 9.0895% | 5,003 |
| Core capital (leverage) ratio | 7.8221% | 6,420 |
| Tier 1 risk-based capital ratio | 11.6785% | 5,220 |
| Total risk-based capital ratio | 12.9597% | 5,150 |
| Memoranda: | ||
| Average total assets | $82,792,200 | 5,640 |
| Average earning assets | $74,554,400 | 5,652 |
| Average equity | $6,787,800 | 6,336 |
| Average total loans | $57,883,400 | 5,344 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1031% | 1,642 |
| Cost of funding earning assets | 2.8300% | 554 |
| Net interest margin | 3.2731% | 5,738 |
| Noninterest income to average assets | 0.3006% | 6,070 |
| Noninterest expense to average assets | 3.0139% | 3,989 |
| Loan and lease loss provision to assets | 1.3378% | 1,446 |
| Net operating income to assets | -1.1096% | 6,907 |
| Return on assets (ROA) | -1.1096% | 6,907 |
| Pretax return on assets | -1.1096% | 6,764 |
| Return on Equity (ROE) | -13.8676% | 7,127 |
| Retained earnings to average equity (ytd only) | -13.8676% | 7,066 |
| Net charge-offs to loans | 0.6551% | 2,719 |
| Credit loss provision to net charge-offs | 296.1672% | 1,399 |
| Earnings coverage of net charge-offs (x) | 0.5052% | 5,524 |
| Efficiency ratio | 92.9612% | 1,469 |
| Assets per employee ($millions) | 5.5189% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1448% | 270 |
| Loan loss allowance to noncurrent loans | 88.4786% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 4.4308% | 1,389 |
| Noncurrent loans to loans | 4.6846% | 1,467 |
| Net loans and leases to total assets | 66.9344% | 4,201 |
| Net loans and leases to deposits | 87.0038% | 3,143 |
| Net loans and leases to core deposits | 121.6087% | 2,105 |
| Total domestic deposits to total assets | 76.9327% | 6,353 |
| Equity capital to assets | 7.9073% | 6,938 |
| Core capital (leverage) ratio | 7.4411% | 7,043 |
| Tier 1 risk-based capital ratio | 10.0515% | 6,927 |
| Total risk-based capital ratio | 11.3345% | 6,844 |
| Memoranda: | ||
| Average total assets | $84,715,750 | 5,600 |
| Average earning assets | $76,134,250 | 5,626 |
| Average equity | $6,778,250 | 6,398 |
| Average total loans | $58,413,500 | 5,361 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0914% | 1,816 |
| Cost of funding earning assets | 2.7948% | 803 |
| Net interest margin | 3.2966% | 5,572 |
| Noninterest income to average assets | 0.2507% | 6,496 |
| Noninterest expense to average assets | 2.6593% | 5,524 |
| Loan and lease loss provision to assets | 0.4335% | 3,390 |
| Net operating income to assets | 0.1593% | 5,393 |
| Return on assets (ROA) | 0.1593% | 5,486 |
| Pretax return on assets | 0.1593% | 5,550 |
| Return on Equity (ROE) | 1.9838% | 5,304 |
| Retained earnings to average equity (ytd only) | 1.9838% | 4,239 |
| Net charge-offs to loans | -0.2525% | 8,050 |
| Credit loss provision to net charge-offs | -250.0000% | 6,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7723% | 2,750 |
| Assets per employee ($millions) | 6.0461% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5677% | 357 |
| Loan loss allowance to noncurrent loans | 73.8961% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 4.1951% | 1,374 |
| Noncurrent loans to loans | 4.8279% | 1,291 |
| Net loans and leases to total assets | 66.8029% | 4,401 |
| Net loans and leases to deposits | 86.9109% | 3,371 |
| Net loans and leases to core deposits | 119.9406% | 2,378 |
| Total domestic deposits to total assets | 76.8636% | 6,361 |
| Equity capital to assets | 8.2189% | 6,462 |
| Core capital (leverage) ratio | 8.1531% | 6,074 |
| Tier 1 risk-based capital ratio | 10.9537% | 5,927 |
| Total risk-based capital ratio | 12.2089% | 5,856 |
| Memoranda: | ||
| Average total assets | $85,359,670 | 5,606 |
| Average earning assets | $77,715,670 | 5,607 |
| Average equity | $6,855,670 | 6,419 |
| Average total loans | $58,615,670 | 5,398 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1525% | 1,753 |
| Cost of funding earning assets | 2.8554% | 858 |
| Net interest margin | 3.2971% | 5,505 |
| Noninterest income to average assets | 0.3500% | 5,646 |
| Noninterest expense to average assets | 2.3193% | 6,472 |
| Loan and lease loss provision to assets | 0.8633% | 1,519 |
| Net operating income to assets | 0.1633% | 5,776 |
| Return on assets (ROA) | 0.1633% | 5,945 |
| Pretax return on assets | 0.1633% | 6,021 |
| Return on Equity (ROE) | 2.0573% | 5,754 |
| Retained earnings to average equity (ytd only) | 2.0573% | 4,717 |
| Net charge-offs to loans | -0.0887% | 7,845 |
| Credit loss provision to net charge-offs | -1,423.0769% | 6,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3166% | 4,716 |
| Assets per employee ($millions) | 5.9032% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4952% | 322 |
| Loan loss allowance to noncurrent loans | 55.8120% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 4.9228% | 928 |
| Noncurrent loans to loans | 6.2624% | 731 |
| Net loans and leases to total assets | 63.3306% | 5,100 |
| Net loans and leases to deposits | 81.2713% | 4,408 |
| Net loans and leases to core deposits | 115.7656% | 2,822 |
| Total domestic deposits to total assets | 77.9250% | 6,040 |
| Equity capital to assets | 7.8161% | 7,040 |
| Core capital (leverage) ratio | 8.1180% | 6,261 |
| Tier 1 risk-based capital ratio | 10.6705% | 6,223 |
| Total risk-based capital ratio | 11.9444% | 6,102 |
| Memoranda: | ||
| Average total assets | $85,716,500 | 5,617 |
| Average earning assets | $77,887,000 | 5,629 |
| Average equity | $6,805,000 | 6,480 |
| Average total loans | $58,604,500 | 5,423 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4063% | 3,385 |
| Cost of funding earning assets | 2.8380% | 2,539 |
| Net interest margin | 3.5683% | 5,023 |
| Noninterest income to average assets | 0.4069% | 5,416 |
| Noninterest expense to average assets | 3.4591% | 2,498 |
| Loan and lease loss provision to assets | 2.3219% | 476 |
| Net operating income to assets | -2.1303% | 7,634 |
| Return on assets (ROA) | -2.1303% | 7,594 |
| Pretax return on assets | -2.1303% | 7,480 |
| Return on Equity (ROE) | -22.9754% | 7,826 |
| Retained earnings to average equity (ytd only) | -22.9754% | 7,760 |
| Net charge-offs to loans | 1.4133% | 831 |
| Credit loss provision to net charge-offs | 245.8234% | 1,898 |
| Earnings coverage of net charge-offs (x) | 0.2029% | 6,116 |
| Efficiency ratio | 94.7515% | 1,234 |
| Assets per employee ($millions) | 5.9204% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1015% | 402 |
| Loan loss allowance to noncurrent loans | 74.7248% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 3.8282% | 1,109 |
| Noncurrent loans to loans | 4.1506% | 1,171 |
| Net loans and leases to total assets | 69.0921% | 4,232 |
| Net loans and leases to deposits | 92.1136% | 3,115 |
| Net loans and leases to core deposits | 121.4467% | 2,561 |
| Total domestic deposits to total assets | 75.0075% | 6,451 |
| Equity capital to assets | 8.0702% | 6,746 |
| Core capital (leverage) ratio | 8.0280% | 6,445 |
| Tier 1 risk-based capital ratio | 10.6790% | 6,019 |
| Total risk-based capital ratio | 11.9497% | 5,910 |
| Memoranda: | ||
| Average total assets | $88,721,800 | 5,396 |
| Average earning assets | $80,655,600 | 5,415 |
| Average equity | $8,226,200 | 5,995 |
| Average total loans | $59,294,000 | 5,301 |