Home > Chambers State Bank > Performance and Condition Ratios
Chambers State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4884% | 1,177 |
| Cost of funding earning assets | 0.8155% | 3,693 |
| Net interest margin | 4.6728% | 488 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.8206% | 1,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4628% | 1,092 |
| Return on assets (ROA) | 1.4628% | 1,064 |
| Pretax return on assets | 1.9323% | 742 |
| Return on Equity (ROE) | 6.0600% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.0601% | 2,218 |
| Net charge-offs to loans | -0.0521% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.3453% | 3,153 |
| Assets per employee ($millions) | 8.4046% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,034 |
| Loan loss allowance to noncurrent loans | 1,308.3333% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 3,148 |
| Noncurrent loans to loans | 0.0808% | 3,146 |
| Net loans and leases to total assets | 77.6800% | 895 |
| Net loans and leases to deposits | 103.8588% | 369 |
| Net loans and leases to core deposits | 130.9304% | 386 |
| Total domestic deposits to total assets | 74.7900% | 4,045 |
| Equity capital to assets | 24.5594% | 199 |
| Core capital (leverage) ratio | 24.2659% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $75,196,000 | 4,060 |
| Average earning assets | $72,590,000 | 4,007 |
| Average equity | $18,151,400 | 2,997 |
| Average total loans | $57,570,000 | 3,741 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3203% | 1,264 |
| Cost of funding earning assets | 0.7007% | 3,762 |
| Net interest margin | 4.6197% | 512 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.1966% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8379% | 615 |
| Return on assets (ROA) | 1.8379% | 608 |
| Pretax return on assets | 2.4452% | 407 |
| Return on Equity (ROE) | 7.6500% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.6474% | 2,092 |
| Net charge-offs to loans | -0.0700% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.3221% | 4,075 |
| Assets per employee ($millions) | 8.5332% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,212 |
| Loan loss allowance to noncurrent loans | 966.1538% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 3,026 |
| Noncurrent loans to loans | 0.1066% | 3,040 |
| Net loans and leases to total assets | 78.5800% | 812 |
| Net loans and leases to deposits | 105.4516% | 307 |
| Net loans and leases to core deposits | 136.3525% | 263 |
| Total domestic deposits to total assets | 74.5200% | 4,122 |
| Equity capital to assets | 24.1045% | 208 |
| Core capital (leverage) ratio | 24.8283% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $75,084,750 | 4,078 |
| Average earning assets | $72,499,750 | 4,024 |
| Average equity | $18,045,000 | 3,002 |
| Average total loans | $57,116,750 | 3,754 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1619% | 1,274 |
| Cost of funding earning assets | 0.6022% | 3,745 |
| Net interest margin | 4.5596% | 570 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.3164% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0211% | 447 |
| Return on assets (ROA) | 2.0211% | 445 |
| Pretax return on assets | 2.2788% | 484 |
| Return on Equity (ROE) | 8.4200% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.4184% | 1,843 |
| Net charge-offs to loans | -0.1075% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.4089% | 3,887 |
| Assets per employee ($millions) | 8.2876% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 2,943 |
| Loan loss allowance to noncurrent loans | 747.6190% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 2,744 |
| Noncurrent loans to loans | 0.1476% | 2,728 |
| Net loans and leases to total assets | 75.4500% | 1,109 |
| Net loans and leases to deposits | 100.5521% | 494 |
| Net loans and leases to core deposits | 123.7684% | 435 |
| Total domestic deposits to total assets | 75.0300% | 4,116 |
| Equity capital to assets | 24.4409% | 202 |
| Core capital (leverage) ratio | 24.3775% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $74,513,333 | 4,107 |
| Average earning assets | $72,067,000 | 4,053 |
| Average equity | $17,889,333 | 3,027 |
| Average total loans | $55,829,333 | 3,780 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0152% | 1,201 |
| Cost of funding earning assets | 0.4976% | 3,694 |
| Net interest margin | 4.5175% | 575 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.1537% | 3,243 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.5136% | 237 |
| Return on assets (ROA) | 2.5136% | 236 |
| Pretax return on assets | 2.4169% | 399 |
| Return on Equity (ROE) | 10.5600% | 2,620 |
| Retained earnings to average equity (ytd only) | 10.5649% | 1,566 |
| Net charge-offs to loans | -0.2170% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.1210% | 4,150 |
| Assets per employee ($millions) | 8.3451% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 2,714 |
| Loan loss allowance to noncurrent loans | 951.5152% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 2,936 |
| Noncurrent loans to loans | 0.1230% | 2,898 |
| Net loans and leases to total assets | 70.6200% | 1,563 |
| Net loans and leases to deposits | 93.2684% | 829 |
| Net loans and leases to core deposits | 110.7311% | 679 |
| Total domestic deposits to total assets | 75.7100% | 4,176 |
| Equity capital to assets | 23.8929% | 167 |
| Core capital (leverage) ratio | 23.5660% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $74,476,000 | 4,167 |
| Average earning assets | $72,340,500 | 4,107 |
| Average equity | $17,719,000 | 3,064 |
| Average total loans | $55,292,500 | 3,828 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 958 |
| Cost of funding earning assets | 0.3328% | 2,609 |
| Net interest margin | 4.0227% | 763 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.4331% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3338% | 1,331 |
| Return on assets (ROA) | 1.3338% | 1,291 |
| Pretax return on assets | 1.6963% | 924 |
| Return on Equity (ROE) | 5.8100% | 3,865 |
| Retained earnings to average equity (ytd only) | 0.0058% | 4,339 |
| Net charge-offs to loans | -0.0822% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.9222% | 3,200 |
| Assets per employee ($millions) | 8.2051% | 1,231 |
| Cash dividends to net income (ytd only)* | 99.9001% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 3,248 |
| Loan loss allowance to noncurrent loans | 776.0000% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 2,831 |
| Noncurrent loans to loans | 0.1318% | 2,855 |
| Net loans and leases to total assets | 76.2900% | 981 |
| Net loans and leases to deposits | 104.9223% | 267 |
| Net loans and leases to core deposits | 123.7197% | 307 |
| Total domestic deposits to total assets | 72.7100% | 4,404 |
| Equity capital to assets | 23.6885% | 163 |
| Core capital (leverage) ratio | 23.7541% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $75,047,600 | 4,187 |
| Average earning assets | $71,817,000 | 4,133 |
| Average equity | $17,234,000 | 3,188 |
| Average total loans | $54,713,800 | 3,829 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2012% | 889 |
| Cost of funding earning assets | 0.3323% | 1,836 |
| Net interest margin | 3.8689% | 851 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.8899% | 3,770 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5271% | 791 |
| Return on assets (ROA) | 1.5271% | 771 |
| Pretax return on assets | 2.0350% | 435 |
| Return on Equity (ROE) | 6.7000% | 3,652 |
| Retained earnings to average equity (ytd only) | -1.0639% | 4,424 |
| Net charge-offs to loans | -0.1108% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.1515% | 4,264 |
| Assets per employee ($millions) | 7.5087% | 1,608 |
| Cash dividends to net income (ytd only)* | 115.8749% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,275 |
| Loan loss allowance to noncurrent loans | 1,531.5789% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 3,380 |
| Noncurrent loans to loans | 0.0683% | 3,388 |
| Net loans and leases to total assets | 73.3500% | 1,149 |
| Net loans and leases to deposits | 96.1424% | 549 |
| Net loans and leases to core deposits | 116.8633% | 315 |
| Total domestic deposits to total assets | 76.3000% | 4,355 |
| Equity capital to assets | 23.1132% | 161 |
| Core capital (leverage) ratio | 22.7941% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $75,348,000 | 4,212 |
| Average earning assets | $71,818,250 | 4,167 |
| Average equity | $17,169,250 | 3,229 |
| Average total loans | $54,162,500 | 3,855 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 1,011 |
| Cost of funding earning assets | 0.3868% | 1,009 |
| Net interest margin | 3.5706% | 1,132 |
| Noninterest income to average assets | 0.2307% | 3,804 |
| Noninterest expense to average assets | 1.9248% | 3,647 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4821% | 745 |
| Return on assets (ROA) | 1.4821% | 725 |
| Pretax return on assets | 1.7074% | 740 |
| Return on Equity (ROE) | 6.5352% | 3,440 |
| Retained earnings to average equity (ytd only) | -5.1557% | 4,551 |
| Net charge-offs to loans | -0.1677% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9927% | 4,047 |
| Assets per employee ($millions) | 7.8174% | 1,401 |
| Cash dividends to net income (ytd only)* | 178.8909% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,124 |
| Loan loss allowance to noncurrent loans | 1,077.7778% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,283 |
| Noncurrent loans to loans | 0.1031% | 3,234 |
| Net loans and leases to total assets | 66.2855% | 1,659 |
| Net loans and leases to deposits | 85.2242% | 1,035 |
| Net loans and leases to core deposits | 103.3034% | 539 |
| Total domestic deposits to total assets | 77.7778% | 4,365 |
| Equity capital to assets | 21.8116% | 133 |
| Core capital (leverage) ratio | 22.2860% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,435,000 | 4,256 |
| Average earning assets | $71,864,333 | 4,224 |
| Average equity | $17,107,333 | 3,312 |
| Average total loans | $53,662,667 | 3,899 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 950 |
| Cost of funding earning assets | 0.3814% | 982 |
| Net interest margin | 3.5012% | 1,087 |
| Noninterest income to average assets | 0.2106% | 3,899 |
| Noninterest expense to average assets | 2.0252% | 3,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5500% | 574 |
| Return on assets (ROA) | 1.5500% | 568 |
| Pretax return on assets | 1.5068% | 1,005 |
| Return on Equity (ROE) | 6.6995% | 3,130 |
| Retained earnings to average equity (ytd only) | -16.6438% | 4,661 |
| Net charge-offs to loans | -0.1547% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3394% | 3,751 |
| Assets per employee ($millions) | 6.9802% | 2,010 |
| Cash dividends to net income (ytd only)* | 348.4321% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,542 |
| Loan loss allowance to noncurrent loans | 1,297.6744% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 2,945 |
| Noncurrent loans to loans | 0.0807% | 3,436 |
| Net loans and leases to total assets | 68.7088% | 1,136 |
| Net loans and leases to deposits | 88.4737% | 598 |
| Net loans and leases to core deposits | 111.1120% | 237 |
| Total domestic deposits to total assets | 77.6601% | 4,427 |
| Equity capital to assets | 21.8528% | 121 |
| Core capital (leverage) ratio | 22.4904% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,065,500 | 4,297 |
| Average earning assets | $70,262,500 | 4,263 |
| Average equity | $17,135,500 | 3,385 |
| Average total loans | $54,294,000 | 3,894 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 547 |
| Cost of funding earning assets | 0.3988% | 1,552 |
| Net interest margin | 4.1569% | 533 |
| Noninterest income to average assets | 0.9092% | 1,178 |
| Noninterest expense to average assets | 2.3639% | 2,607 |
| Loan and lease loss provision to assets | 0.0558% | 1,933 |
| Net operating income to assets | 1.8270% | 479 |
| Return on assets (ROA) | 1.8270% | 499 |
| Pretax return on assets | 2.4441% | 276 |
| Return on Equity (ROE) | 7.4278% | 3,397 |
| Retained earnings to average equity (ytd only) | 4.5172% | 2,997 |
| Net charge-offs to loans | 0.0088% | 2,249 |
| Credit loss provision to net charge-offs | 780.0000% | 613 |
| Earnings coverage of net charge-offs (x) | 349.2000% | 363 |
| Efficiency ratio | 48.6017% | 4,373 |
| Assets per employee ($millions) | 6.4863% | 2,345 |
| Cash dividends to net income (ytd only)* | 39.1850% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 3,871 |
| Loan loss allowance to noncurrent loans | 1,095.9184% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 2,944 |
| Noncurrent loans to loans | 0.0886% | 3,491 |
| Net loans and leases to total assets | 76.7173% | 461 |
| Net loans and leases to deposits | 102.4155% | 157 |
| Net loans and leases to core deposits | 133.3813% | 91 |
| Total domestic deposits to total assets | 74.9078% | 4,556 |
| Equity capital to assets | 24.5161% | 99 |
| Core capital (leverage) ratio | 25.3441% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,842,400 | 4,341 |
| Average earning assets | $66,444,400 | 4,309 |
| Average equity | $17,178,800 | 3,444 |
| Average total loans | $57,022,600 | 3,872 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 596 |
| Cost of funding earning assets | 0.3966% | 1,718 |
| Net interest margin | 4.1747% | 572 |
| Noninterest income to average assets | 0.9961% | 1,077 |
| Noninterest expense to average assets | 1.8560% | 4,040 |
| Loan and lease loss provision to assets | 0.0633% | 1,733 |
| Net operating income to assets | 2.4625% | 223 |
| Return on assets (ROA) | 2.4625% | 227 |
| Pretax return on assets | 3.0767% | 165 |
| Return on Equity (ROE) | 10.0034% | 2,735 |
| Retained earnings to average equity (ytd only) | 6.1049% | 2,777 |
| Net charge-offs to loans | 0.0093% | 1,975 |
| Credit loss provision to net charge-offs | 825.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 409.0000% | 349 |
| Efficiency ratio | 37.1494% | 4,791 |
| Assets per employee ($millions) | 6.7577% | 2,044 |
| Cash dividends to net income (ytd only)* | 38.9712% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 4,125 |
| Loan loss allowance to noncurrent loans | 818.4615% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 1,540 |
| Noncurrent loans to loans | 0.1113% | 3,537 |
| Net loans and leases to total assets | 85.6386% | 73 |
| Net loans and leases to deposits | 116.6116% | 51 |
| Net loans and leases to core deposits | 149.4860% | 60 |
| Total domestic deposits to total assets | 73.4392% | 4,657 |
| Equity capital to assets | 25.8949% | 87 |
| Core capital (leverage) ratio | 25.6636% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,465,750 | 4,403 |
| Average earning assets | $66,558,500 | 4,361 |
| Average equity | $17,100,500 | 3,500 |
| Average total loans | $57,459,750 | 3,918 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 644 |
| Cost of funding earning assets | 0.4012% | 1,875 |
| Net interest margin | 4.1812% | 604 |
| Noninterest income to average assets | 1.3981% | 607 |
| Noninterest expense to average assets | 1.9944% | 3,716 |
| Loan and lease loss provision to assets | 0.0942% | 1,333 |
| Net operating income to assets | 2.9817% | 133 |
| Return on assets (ROA) | 2.9817% | 140 |
| Pretax return on assets | 3.3240% | 134 |
| Return on Equity (ROE) | 12.3175% | 1,941 |
| Retained earnings to average equity (ytd only) | 6.4240% | 2,653 |
| Net charge-offs to loans | 0.0560% | 1,060 |
| Credit loss provision to net charge-offs | 206.2500% | 1,040 |
| Earnings coverage of net charge-offs (x) | 74.8750% | 870 |
| Efficiency ratio | 36.8477% | 4,824 |
| Assets per employee ($millions) | 6.9992% | 1,809 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 4,104 |
| Loan loss allowance to noncurrent loans | 1,130.4348% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 1,827 |
| Noncurrent loans to loans | 0.0813% | 3,779 |
| Net loans and leases to total assets | 80.1220% | 311 |
| Net loans and leases to deposits | 106.9700% | 146 |
| Net loans and leases to core deposits | 135.0878% | 102 |
| Total domestic deposits to total assets | 74.9014% | 4,624 |
| Equity capital to assets | 24.6614% | 99 |
| Core capital (leverage) ratio | 23.9746% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,095,333 | 4,423 |
| Average earning assets | $67,302,000 | 4,378 |
| Average equity | $16,967,667 | 3,515 |
| Average total loans | $57,145,000 | 3,949 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8441% | 456 |
| Cost of funding earning assets | 0.4047% | 2,057 |
| Net interest margin | 4.4394% | 400 |
| Noninterest income to average assets | 1.9046% | 406 |
| Noninterest expense to average assets | 1.7734% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 4.0486% | 78 |
| Return on assets (ROA) | 4.0486% | 80 |
| Pretax return on assets | 4.3851% | 91 |
| Return on Equity (ROE) | 16.8837% | 866 |
| Retained earnings to average equity (ytd only) | 4.9938% | 3,223 |
| Net charge-offs to loans | -0.1115% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.7963% | 4,919 |
| Assets per employee ($millions) | 7.1957% | 1,652 |
| Cash dividends to net income (ytd only)* | 70.4225% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 4,120 |
| Loan loss allowance to noncurrent loans | 552.1277% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 1,833 |
| Noncurrent loans to loans | 0.1654% | 3,516 |
| Net loans and leases to total assets | 78.2467% | 453 |
| Net loans and leases to deposits | 102.8665% | 222 |
| Net loans and leases to core deposits | 129.9453% | 141 |
| Total domestic deposits to total assets | 76.0663% | 4,582 |
| Equity capital to assets | 23.5224% | 111 |
| Core capital (leverage) ratio | 23.8973% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,147,000 | 4,436 |
| Average earning assets | $67,216,000 | 4,395 |
| Average equity | $16,821,000 | 3,527 |
| Average total loans | $57,418,000 | 3,955 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5462% | 1,197 |
| Cost of funding earning assets | 0.5074% | 2,906 |
| Net interest margin | 4.0389% | 896 |
| Noninterest income to average assets | 0.3252% | 3,515 |
| Noninterest expense to average assets | 2.1703% | 3,756 |
| Loan and lease loss provision to assets | 0.1848% | 2,103 |
| Net operating income to assets | 1.4459% | 927 |
| Return on assets (ROA) | 1.4459% | 1,008 |
| Pretax return on assets | 1.8302% | 639 |
| Return on Equity (ROE) | 5.4084% | 3,775 |
| Retained earnings to average equity (ytd only) | -7.3107% | 4,875 |
| Net charge-offs to loans | 0.0903% | 1,551 |
| Credit loss provision to net charge-offs | 255.1020% | 1,916 |
| Earnings coverage of net charge-offs (x) | 27.8163% | 1,671 |
| Efficiency ratio | 51.8545% | 4,395 |
| Assets per employee ($millions) | 6.8337% | 1,687 |
| Cash dividends to net income (ytd only)* | 235.1738% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 4,279 |
| Loan loss allowance to noncurrent loans | 474.5283% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 1,717 |
| Noncurrent loans to loans | 0.1827% | 3,560 |
| Net loans and leases to total assets | 84.1565% | 168 |
| Net loans and leases to deposits | 114.1071% | 118 |
| Net loans and leases to core deposits | 147.4729% | 95 |
| Total domestic deposits to total assets | 73.7521% | 4,647 |
| Equity capital to assets | 24.4611% | 105 |
| Core capital (leverage) ratio | 23.5575% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,641,200 | 4,417 |
| Average earning assets | $64,646,800 | 4,378 |
| Average equity | $18,083,000 | 3,356 |
| Average total loans | $54,256,400 | 4,016 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 1,510 |
| Cost of funding earning assets | 0.5208% | 3,110 |
| Net interest margin | 4.0051% | 1,104 |
| Noninterest income to average assets | 0.2411% | 4,041 |
| Noninterest expense to average assets | 1.7667% | 4,546 |
| Loan and lease loss provision to assets | 0.2475% | 1,637 |
| Net operating income to assets | 1.5750% | 773 |
| Return on assets (ROA) | 1.5750% | 846 |
| Pretax return on assets | 2.0572% | 464 |
| Return on Equity (ROE) | 5.7675% | 3,631 |
| Retained earnings to average equity (ytd only) | 5.7675% | 2,198 |
| Net charge-offs to loans | 0.1200% | 1,167 |
| Credit loss provision to net charge-offs | 260.4167% | 1,896 |
| Earnings coverage of net charge-offs (x) | 24.2917% | 1,762 |
| Efficiency ratio | 43.3981% | 4,818 |
| Assets per employee ($millions) | 7.3073% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 4,185 |
| Loan loss allowance to noncurrent loans | 484.6154% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 2,001 |
| Noncurrent loans to loans | 0.1781% | 3,671 |
| Net loans and leases to total assets | 79.2221% | 683 |
| Net loans and leases to deposits | 107.9453% | 270 |
| Net loans and leases to core deposits | 139.5074% | 167 |
| Total domestic deposits to total assets | 73.3910% | 4,611 |
| Equity capital to assets | 25.7756% | 90 |
| Core capital (leverage) ratio | 26.8910% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,467,250 | 4,431 |
| Average earning assets | $64,516,250 | 4,395 |
| Average equity | $18,424,750 | 3,328 |
| Average total loans | $53,317,250 | 4,059 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 1,905 |
| Cost of funding earning assets | 0.5374% | 3,304 |
| Net interest margin | 3.9655% | 1,412 |
| Noninterest income to average assets | 0.2011% | 4,268 |
| Noninterest expense to average assets | 1.9353% | 4,356 |
| Loan and lease loss provision to assets | 0.1524% | 2,481 |
| Net operating income to assets | 1.6579% | 671 |
| Return on assets (ROA) | 1.6579% | 730 |
| Pretax return on assets | 1.9139% | 657 |
| Return on Equity (ROE) | 5.9411% | 3,527 |
| Retained earnings to average equity (ytd only) | 5.9411% | 2,106 |
| Net charge-offs to loans | 0.1860% | 818 |
| Credit loss provision to net charge-offs | 104.1667% | 2,371 |
| Earnings coverage of net charge-offs (x) | 14.1250% | 1,960 |
| Efficiency ratio | 48.3625% | 4,602 |
| Assets per employee ($millions) | 7.0366% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7667% | 4,423 |
| Loan loss allowance to noncurrent loans | 199.5349% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.8029% | 1,547 |
| Noncurrent loans to loans | 0.3842% | 3,032 |
| Net loans and leases to total assets | 78.9088% | 735 |
| Net loans and leases to deposits | 108.2316% | 265 |
| Net loans and leases to core deposits | 142.1677% | 148 |
| Total domestic deposits to total assets | 72.9074% | 4,654 |
| Equity capital to assets | 26.4076% | 84 |
| Core capital (leverage) ratio | 27.4813% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,623,667 | 4,464 |
| Average earning assets | $62,893,000 | 4,426 |
| Average equity | $18,313,000 | 3,333 |
| Average total loans | $51,625,000 | 4,108 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6008% | 1,994 |
| Cost of funding earning assets | 0.5561% | 3,658 |
| Net interest margin | 4.0447% | 1,270 |
| Noninterest income to average assets | 0.1581% | 4,582 |
| Noninterest expense to average assets | 1.8972% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7770% | 430 |
| Return on assets (ROA) | 1.7770% | 478 |
| Pretax return on assets | 2.1248% | 356 |
| Return on Equity (ROE) | 6.1831% | 3,244 |
| Retained earnings to average equity (ytd only) | 6.1831% | 1,806 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1698% | 4,791 |
| Assets per employee ($millions) | 5.8865% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 4,299 |
| Loan loss allowance to noncurrent loans | 106.4838% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.1598% | 1,091 |
| Noncurrent loans to loans | 0.7916% | 2,031 |
| Net loans and leases to total assets | 77.5683% | 1,044 |
| Net loans and leases to deposits | 109.4485% | 196 |
| Net loans and leases to core deposits | 153.3274% | 105 |
| Total domestic deposits to total assets | 70.8719% | 4,818 |
| Equity capital to assets | 28.2910% | 80 |
| Core capital (leverage) ratio | 29.2141% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,252,500 | 4,508 |
| Average earning assets | $60,424,500 | 4,473 |
| Average equity | $18,178,500 | 3,352 |
| Average total loans | $49,460,500 | 4,161 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 1,547 |
| Cost of funding earning assets | 0.5991% | 3,638 |
| Net interest margin | 4.3732% | 943 |
| Noninterest income to average assets | 0.2824% | 3,994 |
| Noninterest expense to average assets | 2.3439% | 3,836 |
| Loan and lease loss provision to assets | 0.2492% | 738 |
| Net operating income to assets | 1.4485% | 1,195 |
| Return on assets (ROA) | 1.4485% | 1,258 |
| Pretax return on assets | 1.8971% | 753 |
| Return on Equity (ROE) | 4.9166% | 4,228 |
| Retained earnings to average equity (ytd only) | 4.9166% | 2,465 |
| Net charge-offs to loans | 0.3138% | 661 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 8.6133% | 2,753 |
| Efficiency ratio | 52.2013% | 4,590 |
| Assets per employee ($millions) | 5.6139% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 4,034 |
| Loan loss allowance to noncurrent loans | 637.3134% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 4,086 |
| Noncurrent loans to loans | 0.1388% | 3,972 |
| Net loans and leases to total assets | 77.4699% | 1,170 |
| Net loans and leases to deposits | 110.6690% | 179 |
| Net loans and leases to core deposits | 158.1801% | 83 |
| Total domestic deposits to total assets | 70.0015% | 4,936 |
| Equity capital to assets | 29.2099% | 78 |
| Core capital (leverage) ratio | 29.2265% | 75 |
| Tier 1 risk-based capital ratio | 36.2908% | 302 |
| Total risk-based capital ratio | 37.1499% | 304 |
| Memoranda: | ||
| Average total assets | $60,198,400 | 4,593 |
| Average earning assets | $57,921,400 | 4,558 |
| Average equity | $17,735,800 | 3,365 |
| Average total loans | $47,796,800 | 4,224 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 1,613 |
| Cost of funding earning assets | 0.5845% | 3,760 |
| Net interest margin | 4.3900% | 970 |
| Noninterest income to average assets | 0.2051% | 4,490 |
| Noninterest expense to average assets | 1.8235% | 4,785 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0576% | 357 |
| Return on assets (ROA) | 2.0576% | 369 |
| Pretax return on assets | 2.6171% | 199 |
| Return on Equity (ROE) | 6.9684% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.9684% | 1,874 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0643% | 5,102 |
| Assets per employee ($millions) | 5.5276% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 4,220 |
| Loan loss allowance to noncurrent loans | 561.8421% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 4,102 |
| Noncurrent loans to loans | 0.1514% | 3,997 |
| Net loans and leases to total assets | 81.8762% | 583 |
| Net loans and leases to deposits | 119.4520% | 99 |
| Net loans and leases to core deposits | 145.4992% | 146 |
| Total domestic deposits to total assets | 68.5432% | 5,049 |
| Equity capital to assets | 29.7497% | 75 |
| Core capital (leverage) ratio | 29.9358% | 71 |
| Tier 1 risk-based capital ratio | 35.8560% | 326 |
| Total risk-based capital ratio | 36.7024% | 328 |
| Memoranda: | ||
| Average total assets | $59,809,750 | 4,664 |
| Average earning assets | $57,706,000 | 4,617 |
| Average equity | $17,660,250 | 3,391 |
| Average total loans | $47,679,250 | 4,282 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8972% | 1,760 |
| Cost of funding earning assets | 0.5480% | 3,884 |
| Net interest margin | 4.3492% | 1,045 |
| Noninterest income to average assets | 0.1715% | 4,728 |
| Noninterest expense to average assets | 1.8561% | 4,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2126% | 260 |
| Return on assets (ROA) | 2.2126% | 270 |
| Pretax return on assets | 2.5051% | 237 |
| Return on Equity (ROE) | 7.5126% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.5126% | 1,589 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5598% | 5,104 |
| Assets per employee ($millions) | 5.5300% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,160 |
| Loan loss allowance to noncurrent loans | 618.8406% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 4,190 |
| Noncurrent loans to loans | 0.1425% | 4,046 |
| Net loans and leases to total assets | 78.9249% | 1,054 |
| Net loans and leases to deposits | 113.2018% | 161 |
| Net loans and leases to core deposits | 137.3519% | 222 |
| Total domestic deposits to total assets | 69.7205% | 5,055 |
| Equity capital to assets | 29.3013% | 74 |
| Core capital (leverage) ratio | 29.5222% | 72 |
| Tier 1 risk-based capital ratio | 36.0394% | 309 |
| Total risk-based capital ratio | 36.9028% | 316 |
| Memoranda: | ||
| Average total assets | $59,478,330 | 4,701 |
| Average earning assets | $57,297,670 | 4,664 |
| Average equity | $17,517,330 | 3,416 |
| Average total loans | $46,835,330 | 4,320 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 2,053 |
| Cost of funding earning assets | 0.4622% | 4,233 |
| Net interest margin | 4.2858% | 1,119 |
| Noninterest income to average assets | 0.2245% | 4,400 |
| Noninterest expense to average assets | 1.6530% | 5,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.6938% | 120 |
| Return on assets (ROA) | 2.6938% | 131 |
| Pretax return on assets | 2.7346% | 173 |
| Return on Equity (ROE) | 9.1223% | 2,756 |
| Retained earnings to average equity (ytd only) | 9.1223% | 1,277 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6744% | 5,243 |
| Assets per employee ($millions) | 5.4523% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 4,101 |
| Loan loss allowance to noncurrent loans | 502.3529% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 4,095 |
| Noncurrent loans to loans | 0.1822% | 3,934 |
| Net loans and leases to total assets | 77.0888% | 1,304 |
| Net loans and leases to deposits | 116.9238% | 118 |
| Net loans and leases to core deposits | 130.4203% | 305 |
| Total domestic deposits to total assets | 65.9308% | 5,211 |
| Equity capital to assets | 29.2822% | 75 |
| Core capital (leverage) ratio | 29.9969% | 72 |
| Tier 1 risk-based capital ratio | 37.1486% | 273 |
| Total risk-based capital ratio | 38.0518% | 278 |
| Memoranda: | ||
| Average total assets | $58,802,500 | 4,761 |
| Average earning assets | $57,119,000 | 4,717 |
| Average equity | $17,364,000 | 3,442 |
| Average total loans | $46,034,500 | 4,387 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 3,193 |
| Cost of funding earning assets | 0.3680% | 4,176 |
| Net interest margin | 3.9073% | 2,304 |
| Noninterest income to average assets | 0.3429% | 3,821 |
| Noninterest expense to average assets | 2.2316% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4529% | 1,264 |
| Return on assets (ROA) | 1.4529% | 1,254 |
| Pretax return on assets | 1.8936% | 729 |
| Return on Equity (ROE) | 5.2022% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.2022% | 2,662 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0964% | 4,611 |
| Assets per employee ($millions) | 5.7630% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 3,994 |
| Loan loss allowance to noncurrent loans | 479.7753% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 4,052 |
| Noncurrent loans to loans | 0.1960% | 3,877 |
| Net loans and leases to total assets | 78.0514% | 1,264 |
| Net loans and leases to deposits | 112.3823% | 196 |
| Net loans and leases to core deposits | 126.5253% | 387 |
| Total domestic deposits to total assets | 69.4517% | 5,171 |
| Equity capital to assets | 29.7866% | 69 |
| Core capital (leverage) ratio | 29.7056% | 73 |
| Tier 1 risk-based capital ratio | 37.2842% | 271 |
| Total risk-based capital ratio | 38.2116% | 277 |
| Memoranda: | ||
| Average total assets | $60,361,600 | 4,757 |
| Average earning assets | $58,429,400 | 4,701 |
| Average equity | $16,858,400 | 3,413 |
| Average total loans | $43,853,800 | 4,454 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 3,178 |
| Cost of funding earning assets | 0.3393% | 4,250 |
| Net interest margin | 3.8996% | 2,304 |
| Noninterest income to average assets | 0.2424% | 4,529 |
| Noninterest expense to average assets | 1.5289% | 5,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9788% | 405 |
| Return on assets (ROA) | 1.9788% | 399 |
| Pretax return on assets | 2.4790% | 240 |
| Return on Equity (ROE) | 7.1982% | 3,861 |
| Retained earnings to average equity (ytd only) | 7.1982% | 2,028 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1471% | 5,367 |
| Assets per employee ($millions) | 5.9568% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 4,044 |
| Loan loss allowance to noncurrent loans | 418.6275% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 4,096 |
| Noncurrent loans to loans | 0.2272% | 3,893 |
| Net loans and leases to total assets | 74.6508% | 1,880 |
| Net loans and leases to deposits | 110.0040% | 287 |
| Net loans and leases to core deposits | 123.8421% | 466 |
| Total domestic deposits to total assets | 67.8619% | 5,285 |
| Equity capital to assets | 28.8662% | 71 |
| Core capital (leverage) ratio | 28.6154% | 74 |
| Tier 1 risk-based capital ratio | 37.3674% | 265 |
| Total risk-based capital ratio | 38.2954% | 269 |
| Memoranda: | ||
| Average total assets | $61,044,500 | 4,791 |
| Average earning assets | $58,944,750 | 4,738 |
| Average equity | $16,781,500 | 3,442 |
| Average total loans | $43,465,250 | 4,517 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1438% | 3,301 |
| Cost of funding earning assets | 0.2921% | 4,471 |
| Net interest margin | 3.8516% | 2,376 |
| Noninterest income to average assets | 0.3023% | 4,157 |
| Noninterest expense to average assets | 1.6380% | 5,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.2653% | 229 |
| Return on assets (ROA) | 2.2653% | 222 |
| Pretax return on assets | 2.3921% | 276 |
| Return on Equity (ROE) | 8.3756% | 3,328 |
| Retained earnings to average equity (ytd only) | 8.3756% | 1,462 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6452% | 5,384 |
| Assets per employee ($millions) | 6.1649% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 3,998 |
| Loan loss allowance to noncurrent loans | 391.7431% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 4,100 |
| Noncurrent loans to loans | 0.2483% | 3,811 |
| Net loans and leases to total assets | 70.5088% | 2,502 |
| Net loans and leases to deposits | 101.2556% | 715 |
| Net loans and leases to core deposits | 112.0800% | 879 |
| Total domestic deposits to total assets | 69.6345% | 5,287 |
| Equity capital to assets | 27.5528% | 84 |
| Core capital (leverage) ratio | 28.1575% | 81 |
| Tier 1 risk-based capital ratio | 35.4880% | 322 |
| Total risk-based capital ratio | 36.3802% | 326 |
| Memoranda: | ||
| Average total assets | $61,536,670 | 4,844 |
| Average earning assets | $59,559,000 | 4,776 |
| Average equity | $16,643,670 | 3,479 |
| Average total loans | $42,988,670 | 4,567 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1294% | 3,131 |
| Cost of funding earning assets | 0.2950% | 4,389 |
| Net interest margin | 3.8345% | 2,281 |
| Noninterest income to average assets | 0.3448% | 3,844 |
| Noninterest expense to average assets | 1.5224% | 5,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.3877% | 175 |
| Return on assets (ROA) | 2.3877% | 178 |
| Pretax return on assets | 2.5439% | 195 |
| Return on Equity (ROE) | 8.9118% | 2,947 |
| Retained earnings to average equity (ytd only) | 8.9118% | 1,486 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4400% | 5,497 |
| Assets per employee ($millions) | 6.1604% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,777 |
| Loan loss allowance to noncurrent loans | 384.6847% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 4,185 |
| Noncurrent loans to loans | 0.2679% | 3,811 |
| Net loans and leases to total assets | 66.5720% | 2,959 |
| Net loans and leases to deposits | 93.0271% | 1,329 |
| Net loans and leases to core deposits | 104.9707% | 1,313 |
| Total domestic deposits to total assets | 71.5619% | 5,312 |
| Equity capital to assets | 27.0372% | 84 |
| Core capital (leverage) ratio | 27.1944% | 86 |
| Tier 1 risk-based capital ratio | 36.4679% | 292 |
| Total risk-based capital ratio | 37.4028% | 296 |
| Memoranda: | ||
| Average total assets | $61,480,500 | 4,898 |
| Average earning assets | $59,669,000 | 4,835 |
| Average equity | $16,472,500 | 3,533 |
| Average total loans | $42,535,500 | 4,625 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0588% | 3,208 |
| Cost of funding earning assets | 0.1932% | 4,998 |
| Net interest margin | 3.8656% | 2,203 |
| Noninterest income to average assets | 0.3131% | 4,220 |
| Noninterest expense to average assets | 2.1722% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2228% | 1,447 |
| Return on assets (ROA) | 1.2228% | 1,472 |
| Pretax return on assets | 1.8872% | 614 |
| Return on Equity (ROE) | 4.6174% | 4,313 |
| Retained earnings to average equity (ytd only) | 4.6174% | 2,385 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5102% | 4,986 |
| Assets per employee ($millions) | 6.1357% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 4,057 |
| Loan loss allowance to noncurrent loans | 288.5135% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 3,932 |
| Noncurrent loans to loans | 0.3392% | 3,545 |
| Net loans and leases to total assets | 70.4174% | 2,460 |
| Net loans and leases to deposits | 98.4259% | 866 |
| Net loans and leases to core deposits | 112.3956% | 877 |
| Total domestic deposits to total assets | 71.5436% | 5,345 |
| Equity capital to assets | 26.5479% | 85 |
| Core capital (leverage) ratio | 26.3836% | 87 |
| Tier 1 risk-based capital ratio | 34.2566% | 340 |
| Total risk-based capital ratio | 35.1546% | 339 |
| Memoranda: | ||
| Average total assets | $60,354,800 | 4,958 |
| Average earning assets | $58,489,800 | 4,895 |
| Average equity | $15,983,000 | 3,596 |
| Average total loans | $41,104,600 | 4,696 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0147% | 3,297 |
| Cost of funding earning assets | 0.1652% | 5,225 |
| Net interest margin | 3.8495% | 2,227 |
| Noninterest income to average assets | 0.1797% | 5,117 |
| Noninterest expense to average assets | 1.6172% | 5,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5794% | 754 |
| Return on assets (ROA) | 1.5794% | 767 |
| Pretax return on assets | 2.2849% | 302 |
| Return on Equity (ROE) | 5.9681% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.9681% | 2,257 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4440% | 5,544 |
| Assets per employee ($millions) | 6.1559% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 4,197 |
| Loan loss allowance to noncurrent loans | 341.6000% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 4,276 |
| Noncurrent loans to loans | 0.2864% | 3,919 |
| Net loans and leases to total assets | 70.2156% | 2,523 |
| Net loans and leases to deposits | 98.2877% | 888 |
| Net loans and leases to core deposits | 111.3332% | 959 |
| Total domestic deposits to total assets | 71.4388% | 5,419 |
| Equity capital to assets | 26.4186% | 87 |
| Core capital (leverage) ratio | 27.0343% | 80 |
| Tier 1 risk-based capital ratio | 34.0822% | 349 |
| Total risk-based capital ratio | 34.9771% | 350 |
| Memoranda: | ||
| Average total assets | $60,104,250 | 5,017 |
| Average earning assets | $58,118,500 | 4,958 |
| Average equity | $15,906,500 | 3,643 |
| Average total loans | $40,472,500 | 4,760 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9113% | 3,517 |
| Cost of funding earning assets | 0.1598% | 5,275 |
| Net interest margin | 3.7515% | 2,463 |
| Noninterest income to average assets | 0.1845% | 5,128 |
| Noninterest expense to average assets | 1.6740% | 5,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6572% | 620 |
| Return on assets (ROA) | 1.6572% | 638 |
| Pretax return on assets | 2.1335% | 415 |
| Return on Equity (ROE) | 6.2580% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.2580% | 1,986 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9648% | 5,528 |
| Assets per employee ($millions) | 5.9927% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 4,060 |
| Loan loss allowance to noncurrent loans | 298.6014% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 4,189 |
| Noncurrent loans to loans | 0.3398% | 3,827 |
| Net loans and leases to total assets | 69.5062% | 2,596 |
| Net loans and leases to deposits | 97.3042% | 957 |
| Net loans and leases to core deposits | 101.7540% | 1,531 |
| Total domestic deposits to total assets | 71.4319% | 5,486 |
| Equity capital to assets | 26.7742% | 80 |
| Core capital (leverage) ratio | 26.9709% | 78 |
| Tier 1 risk-based capital ratio | 34.8994% | 311 |
| Total risk-based capital ratio | 35.8282% | 311 |
| Memoranda: | ||
| Average total assets | $59,619,330 | 5,064 |
| Average earning assets | $57,577,000 | 5,008 |
| Average equity | $15,787,670 | 3,665 |
| Average total loans | $39,413,000 | 4,827 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4279% | 4,878 |
| Cost of funding earning assets | 0.1599% | 5,301 |
| Net interest margin | 3.2679% | 4,122 |
| Noninterest income to average assets | 0.1883% | 5,150 |
| Noninterest expense to average assets | 1.5538% | 5,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4529% | 890 |
| Return on assets (ROA) | 1.4529% | 911 |
| Pretax return on assets | 1.7960% | 812 |
| Return on Equity (ROE) | 5.5176% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.5176% | 2,589 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3855% | 5,516 |
| Assets per employee ($millions) | 6.0279% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 3,590 |
| Loan loss allowance to noncurrent loans | 318.6567% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 4,330 |
| Noncurrent loans to loans | 0.3514% | 3,839 |
| Net loans and leases to total assets | 62.5541% | 3,460 |
| Net loans and leases to deposits | 85.6335% | 2,075 |
| Net loans and leases to core deposits | 89.4294% | 2,406 |
| Total domestic deposits to total assets | 73.0487% | 5,487 |
| Equity capital to assets | 26.1567% | 91 |
| Core capital (leverage) ratio | 26.5679% | 86 |
| Tier 1 risk-based capital ratio | 37.4229% | 265 |
| Total risk-based capital ratio | 38.4363% | 267 |
| Memoranda: | ||
| Average total assets | $59,465,500 | 5,122 |
| Average earning assets | $57,528,500 | 5,059 |
| Average equity | $15,659,000 | 3,701 |
| Average total loans | $38,079,500 | 4,916 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 4,369 |
| Cost of funding earning assets | 0.1811% | 5,201 |
| Net interest margin | 3.4691% | 3,548 |
| Noninterest income to average assets | 0.3238% | 4,423 |
| Noninterest expense to average assets | 2.0820% | 5,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8985% | 2,826 |
| Return on assets (ROA) | 0.8985% | 2,950 |
| Pretax return on assets | 1.5607% | 1,399 |
| Return on Equity (ROE) | 3.6255% | 4,968 |
| Retained earnings to average equity (ytd only) | 3.6255% | 3,345 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1556% | 4,937 |
| Assets per employee ($millions) | 5.8652% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,590 |
| Loan loss allowance to noncurrent loans | 208.2927% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 3,881 |
| Noncurrent loans to loans | 0.5391% | 3,234 |
| Net loans and leases to total assets | 64.1035% | 3,348 |
| Net loans and leases to deposits | 89.0842% | 1,796 |
| Net loans and leases to core deposits | 93.2074% | 2,189 |
| Total domestic deposits to total assets | 71.9583% | 5,564 |
| Equity capital to assets | 26.5140% | 84 |
| Core capital (leverage) ratio | 26.1357% | 89 |
| Tier 1 risk-based capital ratio | 37.0403% | 275 |
| Total risk-based capital ratio | 38.0574% | 277 |
| Memoranda: | ||
| Average total assets | $61,767,400 | 5,097 |
| Average earning assets | $59,092,800 | 5,044 |
| Average equity | $15,308,400 | 3,773 |
| Average total loans | $39,320,600 | 4,899 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3598% | 5,105 |
| Cost of funding earning assets | 0.1372% | 5,569 |
| Net interest margin | 3.2226% | 4,419 |
| Noninterest income to average assets | 0.2501% | 4,969 |
| Noninterest expense to average assets | 1.3869% | 5,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2618% | 1,413 |
| Return on assets (ROA) | 1.2618% | 1,512 |
| Pretax return on assets | 2.0007% | 568 |
| Return on Equity (ROE) | 4.9988% | 4,518 |
| Retained earnings to average equity (ytd only) | 4.9988% | 2,827 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9396% | 5,808 |
| Assets per employee ($millions) | 5.9759% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 3,792 |
| Loan loss allowance to noncurrent loans | 242.6136% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 4,242 |
| Noncurrent loans to loans | 0.4563% | 3,648 |
| Net loans and leases to total assets | 63.8364% | 3,426 |
| Net loans and leases to deposits | 87.8703% | 2,034 |
| Net loans and leases to core deposits | 91.8123% | 2,403 |
| Total domestic deposits to total assets | 72.6485% | 5,550 |
| Equity capital to assets | 25.8840% | 92 |
| Core capital (leverage) ratio | 35.6340% | 52 |
| Tier 1 risk-based capital ratio | 36.6592% | 299 |
| Total risk-based capital ratio | 38.6832% | 270 |
| Memoranda: | ||
| Average total assets | $46,915,500 | 5,460 |
| Average earning assets | $45,676,250 | 5,393 |
| Average equity | $11,842,750 | 4,310 |
| Average total loans | $29,746,250 | 5,245 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 4,650 |
| Cost of funding earning assets | 0.1451% | 5,581 |
| Net interest margin | 3.4348% | 3,741 |
| Noninterest income to average assets | 0.2064% | 5,263 |
| Noninterest expense to average assets | 1.7310% | 5,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4448% | 977 |
| Return on assets (ROA) | 1.4448% | 1,030 |
| Pretax return on assets | 1.8061% | 873 |
| Return on Equity (ROE) | 5.7926% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.7926% | 2,242 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9390% | 5,623 |
| Assets per employee ($millions) | 7.1073% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 4,096 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 4,672 |
| Noncurrent loans to loans | 0.3217% | 4,217 |
| Net loans and leases to total assets | 62.7474% | 3,533 |
| Net loans and leases to deposits | 89.8643% | 1,771 |
| Net loans and leases to core deposits | 94.8260% | 2,079 |
| Total domestic deposits to total assets | 69.8246% | 5,790 |
| Equity capital to assets | 25.2673% | 96 |
| Core capital (leverage) ratio | 25.4680% | 88 |
| Tier 1 risk-based capital ratio | 35.6788% | 320 |
| Total risk-based capital ratio | 36.6391% | 318 |
| Memoranda: | ||
| Average total assets | $42,634,330 | 5,614 |
| Average earning assets | $41,342,000 | 5,554 |
| Average equity | $10,634,330 | 4,545 |
| Average total loans | $26,803,330 | 5,410 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5739% | 4,691 |
| Cost of funding earning assets | 0.1356% | 5,712 |
| Net interest margin | 3.4383% | 3,723 |
| Noninterest income to average assets | 0.2533% | 4,936 |
| Noninterest expense to average assets | 1.4169% | 5,953 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8203% | 454 |
| Return on assets (ROA) | 1.8203% | 485 |
| Pretax return on assets | 2.1675% | 404 |
| Return on Equity (ROE) | 7.3457% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.3457% | 1,733 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5288% | 5,976 |
| Assets per employee ($millions) | 7.2590% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 3,973 |
| Loan loss allowance to noncurrent loans | 371.7949% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 4,855 |
| Noncurrent loans to loans | 0.2996% | 4,354 |
| Net loans and leases to total assets | 59.1082% | 3,905 |
| Net loans and leases to deposits | 84.1500% | 2,286 |
| Net loans and leases to core deposits | 87.8905% | 2,575 |
| Total domestic deposits to total assets | 70.2415% | 5,855 |
| Equity capital to assets | 24.4777% | 101 |
| Core capital (leverage) ratio | 25.4384% | 89 |
| Tier 1 risk-based capital ratio | 36.4815% | 299 |
| Total risk-based capital ratio | 37.4739% | 300 |
| Memoranda: | ||
| Average total assets | $42,629,500 | 5,666 |
| Average earning assets | $41,299,000 | 5,607 |
| Average equity | $10,564,000 | 4,572 |
| Average total loans | $26,681,000 | 5,460 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4959% | 4,933 |
| Cost of funding earning assets | 0.1499% | 5,684 |
| Net interest margin | 3.3461% | 4,126 |
| Noninterest income to average assets | 0.4069% | 3,987 |
| Noninterest expense to average assets | 2.1369% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9661% | 2,545 |
| Return on assets (ROA) | 0.9661% | 2,619 |
| Pretax return on assets | 1.5111% | 1,521 |
| Return on Equity (ROE) | 3.9300% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.9300% | 3,244 |
| Net charge-offs to loans | -0.0483% | 5,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5780% | 5,081 |
| Assets per employee ($millions) | 6.9508% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 4,254 |
| Loan loss allowance to noncurrent loans | 287.1287% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 4,629 |
| Noncurrent loans to loans | 0.3696% | 4,123 |
| Net loans and leases to total assets | 64.8316% | 3,144 |
| Net loans and leases to deposits | 97.2240% | 888 |
| Net loans and leases to core deposits | 102.9823% | 1,299 |
| Total domestic deposits to total assets | 66.6827% | 6,003 |
| Equity capital to assets | 25.0977% | 92 |
| Core capital (leverage) ratio | 25.8056% | 80 |
| Tier 1 risk-based capital ratio | 34.2126% | 356 |
| Total risk-based capital ratio | 35.1605% | 361 |
| Memoranda: | ||
| Average total assets | $42,023,400 | 5,726 |
| Average earning assets | $40,704,400 | 5,657 |
| Average equity | $10,330,800 | 4,595 |
| Average total loans | $26,933,600 | 5,485 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4567% | 5,086 |
| Cost of funding earning assets | 0.1469% | 5,805 |
| Net interest margin | 3.3099% | 4,298 |
| Noninterest income to average assets | 0.2407% | 5,206 |
| Noninterest expense to average assets | 1.4884% | 6,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5802% | 809 |
| Return on assets (ROA) | 1.5802% | 845 |
| Pretax return on assets | 1.9634% | 641 |
| Return on Equity (ROE) | 6.4615% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.4615% | 1,982 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1193% | 6,060 |
| Assets per employee ($millions) | 7.0335% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 4,918 |
| Loan loss allowance to noncurrent loans | 279.7980% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 4,822 |
| Noncurrent loans to loans | 0.3445% | 4,381 |
| Net loans and leases to total assets | 67.4392% | 2,784 |
| Net loans and leases to deposits | 105.4074% | 389 |
| Net loans and leases to core deposits | 113.1745% | 701 |
| Total domestic deposits to total assets | 63.9795% | 6,129 |
| Equity capital to assets | 25.0231% | 95 |
| Core capital (leverage) ratio | 24.8740% | 90 |
| Tier 1 risk-based capital ratio | 33.2389% | 404 |
| Total risk-based capital ratio | 34.1108% | 410 |
| Memoranda: | ||
| Average total assets | $42,103,000 | 5,798 |
| Average earning assets | $40,846,500 | 5,730 |
| Average equity | $10,296,750 | 4,652 |
| Average total loans | $26,835,000 | 5,547 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4208% | 5,183 |
| Cost of funding earning assets | 0.1425% | 5,904 |
| Net interest margin | 3.2783% | 4,382 |
| Noninterest income to average assets | 0.2187% | 5,392 |
| Noninterest expense to average assets | 1.4975% | 6,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4595% | 968 |
| Return on assets (ROA) | 1.4595% | 1,017 |
| Pretax return on assets | 1.8921% | 746 |
| Return on Equity (ROE) | 6.0143% | 4,121 |
| Retained earnings to average equity (ytd only) | 6.0143% | 2,235 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1795% | 6,106 |
| Assets per employee ($millions) | 7.1647% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 4,673 |
| Loan loss allowance to noncurrent loans | 307.7778% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 5,029 |
| Noncurrent loans to loans | 0.3369% | 4,480 |
| Net loans and leases to total assets | 61.4939% | 3,627 |
| Net loans and leases to deposits | 89.9211% | 1,607 |
| Net loans and leases to core deposits | 95.9633% | 1,808 |
| Total domestic deposits to total assets | 68.3865% | 6,101 |
| Equity capital to assets | 24.1184% | 107 |
| Core capital (leverage) ratio | 24.1403% | 99 |
| Tier 1 risk-based capital ratio | 34.7721% | 370 |
| Total risk-based capital ratio | 35.7011% | 375 |
| Memoranda: | ||
| Average total assets | $42,070,330 | 5,860 |
| Average earning assets | $40,692,330 | 5,795 |
| Average equity | $10,209,000 | 4,697 |
| Average total loans | $26,201,000 | 5,627 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3520% | 5,322 |
| Cost of funding earning assets | 0.1293% | 6,069 |
| Net interest margin | 3.2227% | 4,515 |
| Noninterest income to average assets | 0.2115% | 5,439 |
| Noninterest expense to average assets | 1.5380% | 6,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3169% | 1,222 |
| Return on assets (ROA) | 1.3169% | 1,307 |
| Pretax return on assets | 1.7880% | 882 |
| Return on Equity (ROE) | 5.4099% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.4099% | 2,829 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2428% | 6,091 |
| Assets per employee ($millions) | 7.2907% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 4,678 |
| Loan loss allowance to noncurrent loans | 304.3956% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 5,121 |
| Noncurrent loans to loans | 0.3503% | 4,544 |
| Net loans and leases to total assets | 58.7509% | 3,838 |
| Net loans and leases to deposits | 84.1712% | 2,048 |
| Net loans and leases to core deposits | 89.5939% | 2,169 |
| Total domestic deposits to total assets | 69.7993% | 6,139 |
| Equity capital to assets | 23.3129% | 120 |
| Core capital (leverage) ratio | 24.7976% | 93 |
| Tier 1 risk-based capital ratio | 35.1740% | 355 |
| Total risk-based capital ratio | 36.1294% | 363 |
| Memoranda: | ||
| Average total assets | $41,611,500 | 5,926 |
| Average earning assets | $40,214,500 | 5,859 |
| Average equity | $10,129,500 | 4,754 |
| Average total loans | $25,945,500 | 5,681 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5010% | 5,314 |
| Cost of funding earning assets | 0.1678% | 5,995 |
| Net interest margin | 3.3331% | 4,466 |
| Noninterest income to average assets | 0.4717% | 3,698 |
| Noninterest expense to average assets | 2.5547% | 4,379 |
| Loan and lease loss provision to assets | 0.0521% | 3,511 |
| Net operating income to assets | 0.7026% | 3,879 |
| Return on assets (ROA) | 0.7026% | 3,994 |
| Pretax return on assets | 1.0701% | 3,208 |
| Return on Equity (ROE) | 2.8152% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.8152% | 4,238 |
| Net charge-offs to loans | 0.0825% | 3,320 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 21.5238% | 1,674 |
| Efficiency ratio | 69.4801% | 3,631 |
| Assets per employee ($millions) | 6.5798% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 4,702 |
| Loan loss allowance to noncurrent loans | 291.5789% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 5,058 |
| Noncurrent loans to loans | 0.3666% | 4,553 |
| Net loans and leases to total assets | 64.9383% | 3,058 |
| Net loans and leases to deposits | 96.6522% | 858 |
| Net loans and leases to core deposits | 102.6383% | 1,198 |
| Total domestic deposits to total assets | 67.1876% | 6,293 |
| Equity capital to assets | 25.4844% | 92 |
| Core capital (leverage) ratio | 25.2250% | 87 |
| Tier 1 risk-based capital ratio | 34.6859% | 350 |
| Total risk-based capital ratio | 35.6409% | 353 |
| Memoranda: | ||
| Average total assets | $40,278,400 | 6,031 |
| Average earning assets | $38,732,200 | 5,960 |
| Average equity | $10,052,600 | 4,742 |
| Average total loans | $25,442,600 | 5,764 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4783% | 5,441 |
| Cost of funding earning assets | 0.1614% | 6,115 |
| Net interest margin | 3.3169% | 4,548 |
| Noninterest income to average assets | 0.2833% | 5,177 |
| Noninterest expense to average assets | 1.5415% | 6,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7194% | 593 |
| Return on assets (ROA) | 1.7194% | 618 |
| Pretax return on assets | 1.9236% | 680 |
| Return on Equity (ROE) | 6.9248% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.9248% | 1,856 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4867% | 6,348 |
| Assets per employee ($millions) | 6.6140% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 4,872 |
| Loan loss allowance to noncurrent loans | 188.4354% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 4,813 |
| Noncurrent loans to loans | 0.5684% | 4,219 |
| Net loans and leases to total assets | 64.4769% | 3,117 |
| Net loans and leases to deposits | 97.8657% | 744 |
| Net loans and leases to core deposits | 104.0122% | 1,104 |
| Total domestic deposits to total assets | 65.8830% | 6,407 |
| Equity capital to assets | 25.9550% | 87 |
| Core capital (leverage) ratio | 25.7346% | 81 |
| Tier 1 risk-based capital ratio | 35.5847% | 340 |
| Total risk-based capital ratio | 36.5417% | 342 |
| Memoranda: | ||
| Average total assets | $40,478,250 | 6,100 |
| Average earning assets | $38,830,500 | 6,029 |
| Average equity | $10,050,500 | 4,771 |
| Average total loans | $25,324,750 | 5,829 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4708% | 5,473 |
| Cost of funding earning assets | 0.1589% | 6,204 |
| Net interest margin | 3.3119% | 4,539 |
| Noninterest income to average assets | 0.2994% | 5,012 |
| Noninterest expense to average assets | 1.6101% | 6,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7819% | 504 |
| Return on assets (ROA) | 1.7819% | 526 |
| Pretax return on assets | 1.8604% | 740 |
| Return on Equity (ROE) | 7.2838% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.2838% | 1,624 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3932% | 6,344 |
| Assets per employee ($millions) | 6.7902% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 4,827 |
| Loan loss allowance to noncurrent loans | 197.8571% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 5,007 |
| Noncurrent loans to loans | 0.5646% | 4,324 |
| Net loans and leases to total assets | 60.1851% | 3,682 |
| Net loans and leases to deposits | 88.1792% | 1,574 |
| Net loans and leases to core deposits | 93.3597% | 1,833 |
| Total domestic deposits to total assets | 68.2531% | 6,415 |
| Equity capital to assets | 24.8914% | 92 |
| Core capital (leverage) ratio | 24.6674% | 89 |
| Tier 1 risk-based capital ratio | 36.2399% | 316 |
| Total risk-based capital ratio | 37.2297% | 316 |
| Memoranda: | ||
| Average total assets | $40,743,000 | 6,149 |
| Average earning assets | $39,011,000 | 6,075 |
| Average equity | $9,967,330 | 4,811 |
| Average total loans | $25,145,000 | 5,875 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4479% | 5,540 |
| Cost of funding earning assets | 0.1637% | 6,279 |
| Net interest margin | 3.2842% | 4,609 |
| Noninterest income to average assets | 0.2356% | 5,475 |
| Noninterest expense to average assets | 1.5217% | 6,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0126% | 336 |
| Return on assets (ROA) | 2.0126% | 347 |
| Pretax return on assets | 1.8653% | 703 |
| Return on Equity (ROE) | 8.2992% | 2,800 |
| Retained earnings to average equity (ytd only) | 8.2992% | 1,499 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9275% | 6,461 |
| Assets per employee ($millions) | 6.9162% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,006 |
| Loan loss allowance to noncurrent loans | 168.9024% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 4,957 |
| Noncurrent loans to loans | 0.6667% | 4,195 |
| Net loans and leases to total assets | 58.6139% | 3,749 |
| Net loans and leases to deposits | 84.3348% | 1,788 |
| Net loans and leases to core deposits | 89.0952% | 1,994 |
| Total domestic deposits to total assets | 69.5014% | 6,465 |
| Equity capital to assets | 24.0572% | 109 |
| Core capital (leverage) ratio | 24.3333% | 100 |
| Tier 1 risk-based capital ratio | 35.9527% | 321 |
| Total risk-based capital ratio | 36.9503% | 321 |
| Memoranda: | ||
| Average total assets | $40,744,000 | 6,212 |
| Average earning assets | $39,096,500 | 6,127 |
| Average equity | $9,880,500 | 4,847 |
| Average total loans | $25,319,000 | 5,921 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 5,314 |
| Cost of funding earning assets | 0.1904% | 6,334 |
| Net interest margin | 3.4463% | 4,109 |
| Noninterest income to average assets | 0.4808% | 3,880 |
| Noninterest expense to average assets | 2.2620% | 5,474 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8321% | 3,124 |
| Return on assets (ROA) | 0.8321% | 3,211 |
| Pretax return on assets | 1.3303% | 2,042 |
| Return on Equity (ROE) | 3.4506% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.4506% | 3,778 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9681% | 5,063 |
| Assets per employee ($millions) | 6.6652% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 5,299 |
| Loan loss allowance to noncurrent loans | 163.9053% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 4,987 |
| Noncurrent loans to loans | 0.6491% | 4,349 |
| Net loans and leases to total assets | 64.4170% | 2,967 |
| Net loans and leases to deposits | 96.7804% | 684 |
| Net loans and leases to core deposits | 102.7194% | 990 |
| Total domestic deposits to total assets | 66.5600% | 6,621 |
| Equity capital to assets | 24.4505% | 104 |
| Core capital (leverage) ratio | 24.5963% | 94 |
| Tier 1 risk-based capital ratio | 33.4909% | 381 |
| Total risk-based capital ratio | 34.4396% | 384 |
| Memoranda: | ||
| Average total assets | $40,141,800 | 6,284 |
| Average earning assets | $36,241,800 | 6,280 |
| Average equity | $9,679,400 | 4,926 |
| Average total loans | $23,826,800 | 6,040 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6029% | 5,434 |
| Cost of funding earning assets | 0.1945% | 6,421 |
| Net interest margin | 3.4084% | 4,251 |
| Noninterest income to average assets | 0.2555% | 5,611 |
| Noninterest expense to average assets | 1.4203% | 6,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3639% | 1,191 |
| Return on assets (ROA) | 1.3639% | 1,240 |
| Pretax return on assets | 1.8583% | 780 |
| Return on Equity (ROE) | 5.6759% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.6759% | 2,617 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3198% | 6,675 |
| Assets per employee ($millions) | 6.8072% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 5,548 |
| Loan loss allowance to noncurrent loans | 149.7297% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 5,070 |
| Noncurrent loans to loans | 0.6955% | 4,463 |
| Net loans and leases to total assets | 64.4468% | 2,928 |
| Net loans and leases to deposits | 97.9023% | 578 |
| Net loans and leases to core deposits | 103.8343% | 886 |
| Total domestic deposits to total assets | 65.8277% | 6,710 |
| Equity capital to assets | 24.1290% | 103 |
| Core capital (leverage) ratio | 24.2537% | 95 |
| Tier 1 risk-based capital ratio | 33.1751% | 393 |
| Total risk-based capital ratio | 34.1076% | 400 |
| Memoranda: | ||
| Average total assets | $40,179,500 | 6,354 |
| Average earning assets | $35,637,000 | 6,365 |
| Average equity | $9,654,750 | 4,987 |
| Average total loans | $23,274,000 | 6,130 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5624% | 5,554 |
| Cost of funding earning assets | 0.1979% | 6,484 |
| Net interest margin | 3.3645% | 4,327 |
| Noninterest income to average assets | 0.2453% | 5,699 |
| Noninterest expense to average assets | 1.4715% | 6,696 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3965% | 1,086 |
| Return on assets (ROA) | 1.3965% | 1,169 |
| Pretax return on assets | 1.6667% | 1,193 |
| Return on Equity (ROE) | 5.8198% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.8198% | 2,543 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8900% | 6,593 |
| Assets per employee ($millions) | 6.7675% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 5,148 |
| Loan loss allowance to noncurrent loans | 129.4393% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 4,947 |
| Noncurrent loans to loans | 0.9039% | 4,120 |
| Net loans and leases to total assets | 57.6234% | 4,043 |
| Net loans and leases to deposits | 80.4304% | 2,265 |
| Net loans and leases to core deposits | 84.9076% | 2,441 |
| Total domestic deposits to total assets | 71.6439% | 6,580 |
| Equity capital to assets | 23.9453% | 101 |
| Core capital (leverage) ratio | 23.9536% | 93 |
| Tier 1 risk-based capital ratio | 36.2609% | 296 |
| Total risk-based capital ratio | 37.2940% | 297 |
| Memoranda: | ||
| Average total assets | $39,958,330 | 6,400 |
| Average earning assets | $34,359,000 | 6,453 |
| Average equity | $9,588,000 | 5,038 |
| Average total loans | $22,165,670 | 6,214 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 5,233 |
| Cost of funding earning assets | 0.2230% | 6,460 |
| Net interest margin | 3.4561% | 3,873 |
| Noninterest income to average assets | 0.2422% | 5,722 |
| Noninterest expense to average assets | 1.3523% | 6,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5441% | 777 |
| Return on assets (ROA) | 1.5441% | 854 |
| Pretax return on assets | 1.7056% | 1,061 |
| Return on Equity (ROE) | 6.4282% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.4282% | 2,442 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2244% | 6,765 |
| Assets per employee ($millions) | 6.8745% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 4,610 |
| Loan loss allowance to noncurrent loans | 129.4393% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 5,088 |
| Noncurrent loans to loans | 1.0171% | 4,099 |
| Net loans and leases to total assets | 50.3382% | 4,937 |
| Net loans and leases to deposits | 71.5497% | 3,244 |
| Net loans and leases to core deposits | 75.5375% | 3,379 |
| Total domestic deposits to total assets | 70.3542% | 6,744 |
| Equity capital to assets | 23.2671% | 117 |
| Core capital (leverage) ratio | 23.0775% | 111 |
| Tier 1 risk-based capital ratio | 39.8348% | 238 |
| Total risk-based capital ratio | 40.9846% | 235 |
| Memoranda: | ||
| Average total assets | $39,635,000 | 6,475 |
| Average earning assets | $32,291,000 | 6,573 |
| Average equity | $9,520,500 | 5,105 |
| Average total loans | $21,411,000 | 6,293 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 5,090 |
| Cost of funding earning assets | 0.3172% | 6,375 |
| Net interest margin | 3.7464% | 3,459 |
| Noninterest income to average assets | 0.5622% | 3,500 |
| Noninterest expense to average assets | 2.4032% | 5,399 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9032% | 2,801 |
| Return on assets (ROA) | 0.9032% | 3,038 |
| Pretax return on assets | 1.3375% | 2,266 |
| Return on Equity (ROE) | 3.5026% | 5,348 |
| Retained earnings to average equity (ytd only) | -0.6303% | 5,955 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2450% | 4,840 |
| Assets per employee ($millions) | 6.3372% | 1,075 |
| Cash dividends to net income (ytd only)* | 117.9941% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 4,772 |
| Loan loss allowance to noncurrent loans | 105.3232% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6917% | 4,759 |
| Noncurrent loans to loans | 1.2074% | 3,839 |
| Net loans and leases to total assets | 56.5579% | 4,191 |
| Net loans and leases to deposits | 81.2368% | 2,119 |
| Net loans and leases to core deposits | 86.2166% | 2,291 |
| Total domestic deposits to total assets | 69.6210% | 6,800 |
| Equity capital to assets | 24.8376% | 99 |
| Core capital (leverage) ratio | 25.7934% | 87 |
| Tier 1 risk-based capital ratio | 38.7017% | 254 |
| Total risk-based capital ratio | 39.8369% | 254 |
| Memoranda: | ||
| Average total assets | $37,533,600 | 6,569 |
| Average earning assets | $31,844,200 | 6,613 |
| Average equity | $9,678,600 | 5,059 |
| Average total loans | $23,090,000 | 6,289 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0050% | 5,504 |
| Cost of funding earning assets | 0.2882% | 6,666 |
| Net interest margin | 3.7168% | 3,722 |
| Noninterest income to average assets | 0.3172% | 5,246 |
| Noninterest expense to average assets | 1.5503% | 6,913 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5004% | 1,020 |
| Return on assets (ROA) | 1.5004% | 1,131 |
| Pretax return on assets | 1.9388% | 797 |
| Return on Equity (ROE) | 5.7647% | 4,455 |
| Retained earnings to average equity (ytd only) | 5.7647% | 2,856 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4331% | 6,885 |
| Assets per employee ($millions) | 5.9703% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 5,532 |
| Loan loss allowance to noncurrent loans | 106.9498% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7230% | 4,880 |
| Noncurrent loans to loans | 1.0729% | 4,295 |
| Net loans and leases to total assets | 66.6183% | 2,536 |
| Net loans and leases to deposits | 103.6484% | 292 |
| Net loans and leases to core deposits | 109.7296% | 582 |
| Total domestic deposits to total assets | 64.2734% | 7,012 |
| Equity capital to assets | 27.7092% | 77 |
| Core capital (leverage) ratio | 27.4169% | 72 |
| Tier 1 risk-based capital ratio | 37.3945% | 307 |
| Total risk-based capital ratio | 38.4381% | 303 |
| Memoranda: | ||
| Average total assets | $37,411,250 | 6,655 |
| Average earning assets | $31,926,000 | 6,692 |
| Average equity | $9,737,250 | 5,094 |
| Average total loans | $23,417,000 | 6,360 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 5,330 |
| Cost of funding earning assets | 0.3052% | 6,721 |
| Net interest margin | 3.7902% | 3,407 |
| Noninterest income to average assets | 0.3163% | 5,291 |
| Noninterest expense to average assets | 1.5972% | 6,927 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6499% | 752 |
| Return on assets (ROA) | 1.6499% | 840 |
| Pretax return on assets | 1.8608% | 920 |
| Return on Equity (ROE) | 6.4707% | 4,061 |
| Retained earnings to average equity (ytd only) | 6.4707% | 2,397 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1890% | 6,879 |
| Assets per employee ($millions) | 6.2318% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 5,429 |
| Loan loss allowance to noncurrent loans | 102.9740% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 4,999 |
| Noncurrent loans to loans | 1.1486% | 4,233 |
| Net loans and leases to total assets | 61.8946% | 3,463 |
| Net loans and leases to deposits | 96.7679% | 583 |
| Net loans and leases to core deposits | 102.2082% | 969 |
| Total domestic deposits to total assets | 63.9619% | 7,082 |
| Equity capital to assets | 26.2577% | 90 |
| Core capital (leverage) ratio | 25.9344% | 90 |
| Tier 1 risk-based capital ratio | 38.1697% | 273 |
| Total risk-based capital ratio | 39.2466% | 269 |
| Memoranda: | ||
| Average total assets | $37,941,000 | 6,684 |
| Average earning assets | $31,449,670 | 6,756 |
| Average equity | $9,674,330 | 5,118 |
| Average total loans | $23,175,670 | 6,409 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1509% | 5,275 |
| Cost of funding earning assets | 0.3352% | 6,704 |
| Net interest margin | 3.8157% | 3,313 |
| Noninterest income to average assets | 0.3140% | 5,363 |
| Noninterest expense to average assets | 1.5177% | 7,045 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0410% | 389 |
| Return on assets (ROA) | 2.0410% | 449 |
| Pretax return on assets | 1.8945% | 888 |
| Return on Equity (ROE) | 8.1229% | 3,234 |
| Retained earnings to average equity (ytd only) | 8.1229% | 1,939 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4785% | 6,968 |
| Assets per employee ($millions) | 6.4355% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 5,214 |
| Loan loss allowance to noncurrent loans | 96.1806% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 5,057 |
| Noncurrent loans to loans | 1.3068% | 4,159 |
| Net loans and leases to total assets | 56.3567% | 4,320 |
| Net loans and leases to deposits | 86.2915% | 1,384 |
| Net loans and leases to core deposits | 89.9289% | 1,855 |
| Total domestic deposits to total assets | 65.3096% | 7,121 |
| Equity capital to assets | 25.1211% | 98 |
| Core capital (leverage) ratio | 25.5122% | 91 |
| Tier 1 risk-based capital ratio | 39.9868% | 227 |
| Total risk-based capital ratio | 41.1287% | 228 |
| Memoranda: | ||
| Average total assets | $38,216,000 | 6,729 |
| Average earning assets | $31,029,500 | 6,819 |
| Average equity | $9,602,500 | 5,146 |
| Average total loans | $23,053,500 | 6,461 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 4,856 |
| Cost of funding earning assets | 0.4109% | 6,862 |
| Net interest margin | 4.1446% | 2,247 |
| Noninterest income to average assets | 0.6111% | 3,106 |
| Noninterest expense to average assets | 2.5854% | 5,150 |
| Loan and lease loss provision to assets | 0.0109% | 6,399 |
| Net operating income to assets | 0.9532% | 2,399 |
| Return on assets (ROA) | 0.9532% | 2,526 |
| Pretax return on assets | 1.4937% | 1,491 |
| Return on Equity (ROE) | 3.7244% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.7244% | 3,560 |
| Net charge-offs to loans | 0.0169% | 6,203 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 138.5000% | 245 |
| Efficiency ratio | 63.2138% | 5,258 |
| Assets per employee ($millions) | 6.3032% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 5,622 |
| Loan loss allowance to noncurrent loans | 68.7345% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.0656% | 4,485 |
| Noncurrent loans to loans | 1.6744% | 3,654 |
| Net loans and leases to total assets | 62.9102% | 3,429 |
| Net loans and leases to deposits | 98.2491% | 545 |
| Net loans and leases to core deposits | 102.3796% | 999 |
| Total domestic deposits to total assets | 64.0313% | 7,176 |
| Equity capital to assets | 25.1329% | 102 |
| Core capital (leverage) ratio | 25.7966% | 96 |
| Tier 1 risk-based capital ratio | 36.2081% | 304 |
| Total risk-based capital ratio | 37.2633% | 303 |
| Memoranda: | ||
| Average total assets | $36,821,800 | 6,770 |
| Average earning assets | $30,908,000 | 6,840 |
| Average equity | $9,424,400 | 5,172 |
| Average total loans | $23,717,000 | 6,479 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 5,102 |
| Cost of funding earning assets | 0.4159% | 6,976 |
| Net interest margin | 4.1282% | 2,361 |
| Noninterest income to average assets | 0.3463% | 5,090 |
| Noninterest expense to average assets | 1.6004% | 7,169 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7718% | 545 |
| Return on assets (ROA) | 1.7718% | 600 |
| Pretax return on assets | 2.2202% | 409 |
| Return on Equity (ROE) | 6.8903% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.8903% | 2,032 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8893% | 7,213 |
| Assets per employee ($millions) | 6.1123% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 5,934 |
| Loan loss allowance to noncurrent loans | 64.4186% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.1725% | 4,438 |
| Noncurrent loans to loans | 1.6896% | 3,771 |
| Net loans and leases to total assets | 68.6399% | 2,343 |
| Net loans and leases to deposits | 113.6889% | 138 |
| Net loans and leases to core deposits | 118.9257% | 419 |
| Total domestic deposits to total assets | 60.3752% | 7,295 |
| Equity capital to assets | 26.2857% | 105 |
| Core capital (leverage) ratio | 26.3554% | 100 |
| Tier 1 risk-based capital ratio | 35.1171% | 351 |
| Total risk-based capital ratio | 36.1262% | 353 |
| Memoranda: | ||
| Average total assets | $36,572,500 | 6,841 |
| Average earning assets | $30,779,500 | 6,912 |
| Average equity | $9,404,250 | 5,205 |
| Average total loans | $23,629,000 | 6,552 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7022% | 4,527 |
| Cost of funding earning assets | 0.4245% | 7,077 |
| Net interest margin | 4.2778% | 1,742 |
| Noninterest income to average assets | 0.3394% | 5,169 |
| Noninterest expense to average assets | 1.6421% | 7,229 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8665% | 434 |
| Return on assets (ROA) | 1.8665% | 462 |
| Pretax return on assets | 2.2278% | 392 |
| Return on Equity (ROE) | 7.3131% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.3131% | 1,734 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4328% | 7,288 |
| Assets per employee ($millions) | 6.1818% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 5,593 |
| Loan loss allowance to noncurrent loans | 80.5233% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 5,008 |
| Noncurrent loans to loans | 1.4763% | 4,210 |
| Net loans and leases to total assets | 62.0744% | 3,873 |
| Net loans and leases to deposits | 98.3511% | 580 |
| Net loans and leases to core deposits | 102.6071% | 1,141 |
| Total domestic deposits to total assets | 63.1150% | 7,328 |
| Equity capital to assets | 25.5992% | 118 |
| Core capital (leverage) ratio | 25.6393% | 113 |
| Tier 1 risk-based capital ratio | 37.3981% | 294 |
| Total risk-based capital ratio | 38.4891% | 290 |
| Memoranda: | ||
| Average total assets | $36,538,670 | 6,903 |
| Average earning assets | $30,156,000 | 6,993 |
| Average equity | $9,325,670 | 5,228 |
| Average total loans | $23,022,000 | 6,639 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 5,379 |
| Cost of funding earning assets | 0.4287% | 7,164 |
| Net interest margin | 4.0591% | 2,438 |
| Noninterest income to average assets | 0.3530% | 5,075 |
| Noninterest expense to average assets | 1.6105% | 7,300 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9193% | 391 |
| Return on assets (ROA) | 1.9193% | 413 |
| Pretax return on assets | 2.0848% | 487 |
| Return on Equity (ROE) | 7.5317% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.5317% | 1,924 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5821% | 7,295 |
| Assets per employee ($millions) | 6.1723% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 5,505 |
| Loan loss allowance to noncurrent loans | 73.8667% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.0126% | 4,880 |
| Noncurrent loans to loans | 1.6585% | 3,992 |
| Net loans and leases to total assets | 60.3067% | 4,208 |
| Net loans and leases to deposits | 93.1476% | 905 |
| Net loans and leases to core deposits | 95.5956% | 1,703 |
| Total domestic deposits to total assets | 64.7432% | 7,357 |
| Equity capital to assets | 25.1877% | 114 |
| Core capital (leverage) ratio | 27.8872% | 87 |
| Tier 1 risk-based capital ratio | 37.8203% | 276 |
| Total risk-based capital ratio | 38.9434% | 274 |
| Memoranda: | ||
| Average total assets | $36,262,500 | 6,960 |
| Average earning assets | $29,858,500 | 7,054 |
| Average equity | $9,241,000 | 5,251 |
| Average total loans | $22,882,500 | 6,699 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 5,405 |
| Cost of funding earning assets | 0.7577% | 6,708 |
| Net interest margin | 4.0434% | 2,830 |
| Noninterest income to average assets | 0.6624% | 3,067 |
| Noninterest expense to average assets | 2.7697% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0375% | 1,918 |
| Return on assets (ROA) | 1.0375% | 2,023 |
| Pretax return on assets | 1.5680% | 1,208 |
| Return on Equity (ROE) | 3.9075% | 4,569 |
| Retained earnings to average equity (ytd only) | 3.9075% | 3,127 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8514% | 5,378 |
| Assets per employee ($millions) | 5.9152% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 5,533 |
| Loan loss allowance to noncurrent loans | 71.5762% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0904% | 4,832 |
| Noncurrent loans to loans | 1.6714% | 3,992 |
| Net loans and leases to total assets | 64.4586% | 3,767 |
| Net loans and leases to deposits | 100.6733% | 540 |
| Net loans and leases to core deposits | 102.3030% | 1,429 |
| Total domestic deposits to total assets | 64.0275% | 7,443 |
| Equity capital to assets | 25.7925% | 116 |
| Core capital (leverage) ratio | 26.0731% | 113 |
| Tier 1 risk-based capital ratio | 36.5415% | 307 |
| Total risk-based capital ratio | 37.6472% | 302 |
| Memoranda: | ||
| Average total assets | $34,119,800 | 7,073 |
| Average earning assets | $31,013,600 | 7,051 |
| Average equity | $9,059,400 | 5,402 |
| Average total loans | $23,323,600 | 6,760 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 5,670 |
| Cost of funding earning assets | 0.7831% | 6,814 |
| Net interest margin | 4.0133% | 3,038 |
| Noninterest income to average assets | 0.3631% | 5,251 |
| Noninterest expense to average assets | 1.7645% | 7,374 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7803% | 534 |
| Return on assets (ROA) | 1.7803% | 579 |
| Pretax return on assets | 2.3210% | 322 |
| Return on Equity (ROE) | 6.6549% | 3,509 |
| Retained earnings to average equity (ytd only) | 6.6549% | 2,013 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1884% | 7,491 |
| Assets per employee ($millions) | 5.8397% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 5,959 |
| Loan loss allowance to noncurrent loans | 74.0642% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 4,980 |
| Noncurrent loans to loans | 1.4810% | 4,413 |
| Net loans and leases to total assets | 71.2855% | 2,408 |
| Net loans and leases to deposits | 118.1113% | 134 |
| Net loans and leases to core deposits | 120.1453% | 604 |
| Total domestic deposits to total assets | 60.3545% | 7,589 |
| Equity capital to assets | 26.4028% | 120 |
| Core capital (leverage) ratio | 26.8901% | 106 |
| Tier 1 risk-based capital ratio | 34.0235% | 378 |
| Total risk-based capital ratio | 35.0423% | 377 |
| Memoranda: | ||
| Average total assets | $33,777,000 | 7,170 |
| Average earning assets | $31,328,000 | 7,125 |
| Average equity | $9,035,750 | 5,488 |
| Average total loans | $23,366,000 | 6,846 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 5,722 |
| Cost of funding earning assets | 0.7884% | 6,951 |
| Net interest margin | 4.0318% | 2,866 |
| Noninterest income to average assets | 0.3298% | 5,519 |
| Noninterest expense to average assets | 1.8167% | 7,372 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.9786% | 344 |
| Return on assets (ROA) | 1.9786% | 378 |
| Pretax return on assets | 2.2844% | 351 |
| Return on Equity (ROE) | 7.3628% | 3,159 |
| Retained earnings to average equity (ytd only) | 7.3628% | 1,687 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2982% | 7,512 |
| Assets per employee ($millions) | 5.6763% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 5,690 |
| Loan loss allowance to noncurrent loans | 51.0129% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 1.5943% | 4,056 |
| Noncurrent loans to loans | 2.2538% | 3,423 |
| Net loans and leases to total assets | 69.9278% | 2,918 |
| Net loans and leases to deposits | 112.1597% | 231 |
| Net loans and leases to core deposits | 116.0002% | 844 |
| Total domestic deposits to total assets | 62.3466% | 7,621 |
| Equity capital to assets | 26.8072% | 113 |
| Core capital (leverage) ratio | 27.1226% | 103 |
| Tier 1 risk-based capital ratio | 35.3123% | 342 |
| Total risk-based capital ratio | 36.3837% | 337 |
| Memoranda: | ||
| Average total assets | $33,356,670 | 7,242 |
| Average earning assets | $31,202,000 | 7,184 |
| Average equity | $8,964,000 | 5,515 |
| Average total loans | $22,736,670 | 6,922 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 4,696 |
| Cost of funding earning assets | 0.8531% | 6,932 |
| Net interest margin | 4.2132% | 1,986 |
| Noninterest income to average assets | 0.3757% | 5,133 |
| Noninterest expense to average assets | 1.7209% | 7,557 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9512% | 380 |
| Return on assets (ROA) | 1.9512% | 411 |
| Pretax return on assets | 2.5450% | 240 |
| Return on Equity (ROE) | 7.2514% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.2514% | 2,029 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3409% | 7,726 |
| Assets per employee ($millions) | 5.7623% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 5,576 |
| Loan loss allowance to noncurrent loans | 50.1812% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.5966% | 4,099 |
| Noncurrent loans to loans | 2.3596% | 3,317 |
| Net loans and leases to total assets | 66.8624% | 3,665 |
| Net loans and leases to deposits | 104.3374% | 508 |
| Net loans and leases to core deposits | 107.7414% | 1,436 |
| Total domestic deposits to total assets | 64.0828% | 7,677 |
| Equity capital to assets | 25.9212% | 132 |
| Core capital (leverage) ratio | 25.9565% | 122 |
| Tier 1 risk-based capital ratio | 34.3806% | 374 |
| Total risk-based capital ratio | 35.4433% | 371 |
| Memoranda: | ||
| Average total assets | $33,006,000 | 7,346 |
| Average earning assets | $30,476,000 | 7,300 |
| Average equity | $8,881,000 | 5,572 |
| Average total loans | $22,058,500 | 7,047 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6916% | 3,144 |
| Cost of funding earning assets | 1.1681% | 6,772 |
| Net interest margin | 4.5236% | 1,124 |
| Noninterest income to average assets | 0.7827% | 2,491 |
| Noninterest expense to average assets | 3.0474% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2812% | 1,071 |
| Return on assets (ROA) | 1.2812% | 1,126 |
| Pretax return on assets | 1.9067% | 499 |
| Return on Equity (ROE) | 4.3992% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.3992% | 2,169 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5125% | 6,235 |
| Assets per employee ($millions) | 5.2397% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 4,556 |
| Loan loss allowance to noncurrent loans | 51.3915% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 1.7145% | 3,796 |
| Noncurrent loans to loans | 2.6010% | 2,956 |
| Net loans and leases to total assets | 65.0359% | 4,367 |
| Net loans and leases to deposits | 91.4605% | 1,974 |
| Net loans and leases to core deposits | 115.4293% | 2,375 |
| Total domestic deposits to total assets | 71.1082% | 7,329 |
| Equity capital to assets | 27.9916% | 119 |
| Core capital (leverage) ratio | 30.3731% | 99 |
| Tier 1 risk-based capital ratio | 37.9294% | 287 |
| Total risk-based capital ratio | 39.1190% | 280 |
| Memoranda: | ||
| Average total assets | $29,894,800 | 7,472 |
| Average earning assets | $27,566,800 | 7,442 |
| Average equity | $8,706,200 | 5,699 |
| Average total loans | $20,883,600 | 7,146 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8386% | 2,708 |
| Cost of funding earning assets | 1.2508% | 6,723 |
| Net interest margin | 4.5879% | 1,005 |
| Noninterest income to average assets | 0.4518% | 4,891 |
| Noninterest expense to average assets | 1.9474% | 7,470 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.2636% | 161 |
| Return on assets (ROA) | 2.2636% | 176 |
| Pretax return on assets | 2.7471% | 139 |
| Return on Equity (ROE) | 7.6932% | 2,771 |
| Retained earnings to average equity (ytd only) | 7.6932% | 1,234 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4822% | 7,896 |
| Assets per employee ($millions) | 4.8793% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 5,006 |
| Loan loss allowance to noncurrent loans | 50.0904% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.8889% | 3,526 |
| Noncurrent loans to loans | 2.4349% | 3,093 |
| Net loans and leases to total assets | 76.6293% | 1,867 |
| Net loans and leases to deposits | 111.8847% | 395 |
| Net loans and leases to core deposits | 144.6422% | 739 |
| Total domestic deposits to total assets | 68.4895% | 7,534 |
| Equity capital to assets | 30.4618% | 112 |
| Core capital (leverage) ratio | 30.4972% | 121 |
| Tier 1 risk-based capital ratio | 36.7102% | 339 |
| Total risk-based capital ratio | 37.8504% | 332 |
| Memoranda: | ||
| Average total assets | $29,509,000 | 7,556 |
| Average earning assets | $27,288,750 | 7,521 |
| Average equity | $8,682,750 | 5,756 |
| Average total loans | $20,923,750 | 7,205 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8005% | 3,040 |
| Cost of funding earning assets | 1.2800% | 6,870 |
| Net interest margin | 4.5206% | 1,120 |
| Noninterest income to average assets | 0.4664% | 4,736 |
| Noninterest expense to average assets | 1.9198% | 7,601 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.4944% | 110 |
| Return on assets (ROA) | 2.4944% | 124 |
| Pretax return on assets | 2.6769% | 158 |
| Return on Equity (ROE) | 8.5771% | 2,530 |
| Retained earnings to average equity (ytd only) | 8.5771% | 1,049 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7647% | 7,981 |
| Assets per employee ($millions) | 4.8933% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 4,323 |
| Loan loss allowance to noncurrent loans | 50.7326% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 1.8597% | 3,391 |
| Noncurrent loans to loans | 2.5430% | 2,845 |
| Net loans and leases to total assets | 72.1866% | 3,165 |
| Net loans and leases to deposits | 104.0860% | 908 |
| Net loans and leases to core deposits | 134.7362% | 1,275 |
| Total domestic deposits to total assets | 69.3529% | 7,523 |
| Equity capital to assets | 29.9251% | 137 |
| Core capital (leverage) ratio | 30.1562% | 143 |
| Tier 1 risk-based capital ratio | 37.8479% | 352 |
| Total risk-based capital ratio | 39.0411% | 346 |
| Memoranda: | ||
| Average total assets | $29,586,670 | 7,620 |
| Average earning assets | $27,032,000 | 7,596 |
| Average equity | $8,604,330 | 5,811 |
| Average total loans | $20,328,000 | 7,305 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3555% | 5,634 |
| Cost of funding earning assets | 0.9737% | 7,714 |
| Net interest margin | 4.3817% | 1,389 |
| Noninterest income to average assets | 0.5253% | 4,095 |
| Noninterest expense to average assets | 1.8047% | 7,693 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.5993% | 111 |
| Return on assets (ROA) | 2.5993% | 136 |
| Pretax return on assets | 2.7205% | 170 |
| Return on Equity (ROE) | 9.0680% | 2,684 |
| Retained earnings to average equity (ytd only) | 9.0680% | 1,457 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8810% | 8,052 |
| Assets per employee ($millions) | 4.9042% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 3,305 |
| Loan loss allowance to noncurrent loans | 73.6702% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.2778% | 4,121 |
| Noncurrent loans to loans | 1.9518% | 3,338 |
| Net loans and leases to total assets | 64.5268% | 4,895 |
| Net loans and leases to deposits | 92.1699% | 2,563 |
| Net loans and leases to core deposits | 117.3123% | 2,658 |
| Total domestic deposits to total assets | 70.0085% | 7,424 |
| Equity capital to assets | 29.2608% | 150 |
| Core capital (leverage) ratio | 29.0810% | 163 |
| Tier 1 risk-based capital ratio | 40.1118% | 323 |
| Total risk-based capital ratio | 41.3604% | 315 |
| Memoranda: | ||
| Average total assets | $29,700,000 | 7,656 |
| Average earning assets | $27,112,500 | 7,637 |
| Average equity | $8,513,500 | 5,874 |
| Average total loans | $19,756,500 | 7,382 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3693% | 3,581 |
| Cost of funding earning assets | 1.8150% | 6,964 |
| Net interest margin | 4.5543% | 1,302 |
| Noninterest income to average assets | 0.7169% | 3,010 |
| Noninterest expense to average assets | 2.9889% | 4,118 |
| Loan and lease loss provision to assets | 0.9524% | 1,548 |
| Net operating income to assets | 0.6788% | 3,990 |
| Return on assets (ROA) | 0.6788% | 3,826 |
| Pretax return on assets | 1.0252% | 3,288 |
| Return on Equity (ROE) | 2.2960% | 5,500 |
| Retained earnings to average equity (ytd only) | -0.0469% | 5,274 |
| Net charge-offs to loans | 1.3447% | 873 |
| Credit loss provision to net charge-offs | 104.1667% | 5,130 |
| Earnings coverage of net charge-offs (x) | 2.1629% | 4,992 |
| Efficiency ratio | 60.1813% | 6,302 |
| Assets per employee ($millions) | 4.9958% | 1,947 |
| Cash dividends to net income (ytd only)* | 102.0408% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 3,370 |
| Loan loss allowance to noncurrent loans | 73.2804% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.2611% | 3,702 |
| Noncurrent loans to loans | 1.8668% | 2,959 |
| Net loans and leases to total assets | 66.6289% | 4,724 |
| Net loans and leases to deposits | 93.7741% | 2,807 |
| Net loans and leases to core deposits | 119.2785% | 2,764 |
| Total domestic deposits to total assets | 71.0525% | 7,153 |
| Equity capital to assets | 28.0801% | 196 |
| Core capital (leverage) ratio | 28.6604% | 202 |
| Tier 1 risk-based capital ratio | 37.4222% | 385 |
| Total risk-based capital ratio | 38.6537% | 378 |
| Memoranda: | ||
| Average total assets | $28,873,800 | 7,688 |
| Average earning assets | $26,941,800 | 7,664 |
| Average equity | $8,536,600 | 5,895 |
| Average total loans | $19,632,000 | 7,352 |