Home > Colchester State Bank > Performance and Condition Ratios
Colchester State Bank, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0409% | 3,603 |
| Cost of funding earning assets | 0.8655% | 3,037 |
| Net interest margin | 3.1754% | 3,048 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.0145% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0786% | 2,178 |
| Return on assets (ROA) | 0.8498% | 2,933 |
| Pretax return on assets | 1.0649% | 2,736 |
| Return on Equity (ROE) | 6.9500% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.9515% | 2,297 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.8597% | 2,982 |
| Assets per employee ($millions) | 8.0958% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 378 |
| Loan loss allowance to noncurrent loans | 13,375.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 3,813 |
| Noncurrent loans to loans | 0.0154% | 3,660 |
| Net loans and leases to total assets | 34.9400% | 4,215 |
| Net loans and leases to deposits | 40.2164% | 4,210 |
| Net loans and leases to core deposits | 42.2413% | 4,208 |
| Total domestic deposits to total assets | 86.8700% | 1,969 |
| Equity capital to assets | 12.9711% | 819 |
| Core capital (leverage) ratio | 16.1733% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $76,249,000 | 4,089 |
| Average earning assets | $72,558,667 | 4,045 |
| Average equity | $9,321,667 | 3,815 |
| Average total loans | $26,215,000 | 4,225 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5752% | 4,185 |
| Cost of funding earning assets | 0.7064% | 3,036 |
| Net interest margin | 2.8688% | 3,832 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.7808% | 4,064 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0213% | 2,462 |
| Return on assets (ROA) | 1.0213% | 2,427 |
| Pretax return on assets | 1.2471% | 2,308 |
| Return on Equity (ROE) | 8.6000% | 3,154 |
| Retained earnings to average equity (ytd only) | 8.5989% | 2,058 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.8136% | 3,089 |
| Assets per employee ($millions) | 8.7524% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0328% | 408 |
| Loan loss allowance to noncurrent loans | 504.7170% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 2,573 |
| Noncurrent loans to loans | 0.4028% | 1,726 |
| Net loans and leases to total assets | 32.7300% | 4,301 |
| Net loans and leases to deposits | 37.2108% | 4,288 |
| Net loans and leases to core deposits | 38.8907% | 4,297 |
| Total domestic deposits to total assets | 87.9600% | 1,941 |
| Equity capital to assets | 11.9281% | 1,018 |
| Core capital (leverage) ratio | 15.3366% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $77,942,500 | 4,130 |
| Average earning assets | $74,177,500 | 4,076 |
| Average equity | $9,257,000 | 3,864 |
| Average total loans | $26,327,500 | 4,282 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0840% | 4,019 |
| Cost of funding earning assets | 0.4160% | 1,974 |
| Net interest margin | 2.6681% | 4,095 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.0377% | 3,476 |
| Loan and lease loss provision to assets | -0.2200% | 4,641 |
| Net operating income to assets | 1.1777% | 1,867 |
| Return on assets (ROA) | 1.1984% | 1,715 |
| Pretax return on assets | 1.0189% | 3,027 |
| Return on Equity (ROE) | 10.1300% | 2,771 |
| Retained earnings to average equity (ytd only) | 10.1255% | 1,113 |
| Net charge-offs to loans | -0.7408% | 4,714 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.3644% | 1,400 |
| Assets per employee ($millions) | 8.5681% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0314% | 409 |
| Loan loss allowance to noncurrent loans | 414.7287% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 2,370 |
| Noncurrent loans to loans | 0.4898% | 1,476 |
| Net loans and leases to total assets | 33.4600% | 4,306 |
| Net loans and leases to deposits | 38.0218% | 4,291 |
| Net loans and leases to core deposits | 39.7406% | 4,283 |
| Total domestic deposits to total assets | 88.0000% | 2,075 |
| Equity capital to assets | 11.8242% | 983 |
| Core capital (leverage) ratio | 14.5295% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $81,856,200 | 4,101 |
| Average earning assets | $76,685,000 | 4,080 |
| Average equity | $9,688,400 | 3,907 |
| Average total loans | $25,377,400 | 4,319 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9418% | 3,999 |
| Cost of funding earning assets | 0.3727% | 1,498 |
| Net interest margin | 2.5691% | 4,137 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.7742% | 4,027 |
| Loan and lease loss provision to assets | -0.2900% | 4,709 |
| Net operating income to assets | 1.0500% | 2,286 |
| Return on assets (ROA) | 1.0500% | 2,254 |
| Pretax return on assets | 1.1801% | 2,448 |
| Return on Equity (ROE) | 8.8700% | 3,073 |
| Retained earnings to average equity (ytd only) | 8.8697% | 1,694 |
| Net charge-offs to loans | -0.9972% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.5663% | 2,208 |
| Assets per employee ($millions) | 9.1190% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9881% | 513 |
| Loan loss allowance to noncurrent loans | 428.0000% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 2,550 |
| Noncurrent loans to loans | 0.4645% | 1,638 |
| Net loans and leases to total assets | 32.1400% | 4,367 |
| Net loans and leases to deposits | 35.8113% | 4,368 |
| Net loans and leases to core deposits | 37.2971% | 4,361 |
| Total domestic deposits to total assets | 89.7400% | 1,766 |
| Equity capital to assets | 9.9779% | 1,638 |
| Core capital (leverage) ratio | 13.6532% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $83,042,000 | 4,119 |
| Average earning assets | $77,638,250 | 4,094 |
| Average equity | $9,831,000 | 3,935 |
| Average total loans | $25,137,500 | 4,353 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7000% | 4,141 |
| Cost of funding earning assets | 0.3504% | 1,257 |
| Net interest margin | 2.3496% | 4,282 |
| Noninterest income to average assets | 0.2495% | 3,677 |
| Noninterest expense to average assets | 1.4778% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8301% | 2,853 |
| Return on assets (ROA) | 0.8301% | 2,826 |
| Pretax return on assets | 0.9596% | 2,871 |
| Return on Equity (ROE) | 6.6677% | 3,406 |
| Retained earnings to average equity (ytd only) | 6.6677% | 2,103 |
| Net charge-offs to loans | 0.0163% | 1,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 538 |
| Efficiency ratio | 60.6299% | 3,223 |
| Assets per employee ($millions) | 9.1708% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0117% | 540 |
| Loan loss allowance to noncurrent loans | 244.1860% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 2,002 |
| Noncurrent loans to loans | 0.8238% | 1,042 |
| Net loans and leases to total assets | 30.9825% | 4,427 |
| Net loans and leases to deposits | 34.6598% | 4,432 |
| Net loans and leases to core deposits | 36.2030% | 4,427 |
| Total domestic deposits to total assets | 89.3902% | 2,003 |
| Equity capital to assets | 10.3372% | 1,515 |
| Core capital (leverage) ratio | 14.0583% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,365,667 | 4,159 |
| Average earning assets | $77,629,667 | 4,148 |
| Average equity | $10,378,333 | 3,944 |
| Average total loans | $24,546,667 | 4,418 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5614% | 4,183 |
| Cost of funding earning assets | 0.3442% | 1,253 |
| Net interest margin | 2.2172% | 4,329 |
| Noninterest income to average assets | 0.2435% | 3,685 |
| Noninterest expense to average assets | 1.4275% | 4,504 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7782% | 2,736 |
| Return on assets (ROA) | 0.7782% | 2,732 |
| Pretax return on assets | 0.9071% | 2,751 |
| Return on Equity (ROE) | 5.7691% | 3,408 |
| Retained earnings to average equity (ytd only) | 5.7691% | 2,325 |
| Net charge-offs to loans | 0.0505% | 784 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 63.3333% | 836 |
| Efficiency ratio | 61.1452% | 3,364 |
| Assets per employee ($millions) | 10.5085% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1524% | 479 |
| Loan loss allowance to noncurrent loans | 233.9286% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 2,078 |
| Noncurrent loans to loans | 0.9201% | 996 |
| Net loans and leases to total assets | 28.3354% | 4,501 |
| Net loans and leases to deposits | 32.4639% | 4,484 |
| Net loans and leases to core deposits | 33.9031% | 4,480 |
| Total domestic deposits to total assets | 87.2829% | 2,823 |
| Equity capital to assets | 12.4245% | 828 |
| Core capital (leverage) ratio | 13.8491% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,780,000 | 4,175 |
| Average earning assets | $79,019,500 | 4,151 |
| Average equity | $11,301,500 | 3,927 |
| Average total loans | $23,771,500 | 4,455 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7565% | 4,258 |
| Cost of funding earning assets | 0.4079% | 1,485 |
| Net interest margin | 2.3485% | 4,370 |
| Noninterest income to average assets | 0.2392% | 3,949 |
| Noninterest expense to average assets | 1.6099% | 4,414 |
| Loan and lease loss provision to assets | 0.1147% | 1,094 |
| Net operating income to assets | 0.6286% | 3,811 |
| Return on assets (ROA) | 0.6286% | 3,856 |
| Pretax return on assets | 0.7702% | 3,787 |
| Return on Equity (ROE) | 4.2006% | 4,176 |
| Retained earnings to average equity (ytd only) | 4.2006% | 3,139 |
| Net charge-offs to loans | 0.6904% | 111 |
| Credit loss provision to net charge-offs | 55.9524% | 2,094 |
| Earnings coverage of net charge-offs (x) | 4.3155% | 2,496 |
| Efficiency ratio | 64.5303% | 2,472 |
| Assets per employee ($millions) | 9.2769% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2717% | 403 |
| Loan loss allowance to noncurrent loans | 233.1858% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 2,196 |
| Noncurrent loans to loans | 0.9742% | 1,024 |
| Net loans and leases to total assets | 27.1535% | 4,590 |
| Net loans and leases to deposits | 32.0311% | 4,580 |
| Net loans and leases to core deposits | 33.4845% | 4,572 |
| Total domestic deposits to total assets | 84.7722% | 3,337 |
| Equity capital to assets | 14.5619% | 565 |
| Core capital (leverage) ratio | 13.6034% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3704% | 164 |
| Memoranda: | ||
| Average total assets | $81,931,400 | 4,188 |
| Average earning assets | $78,688,000 | 4,144 |
| Average equity | $12,260,200 | 3,906 |
| Average total loans | $24,332,200 | 4,491 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8046% | 4,296 |
| Cost of funding earning assets | 0.4214% | 1,545 |
| Net interest margin | 2.3832% | 4,414 |
| Noninterest income to average assets | 0.2436% | 3,936 |
| Noninterest expense to average assets | 1.5992% | 4,466 |
| Loan and lease loss provision to assets | 0.0037% | 2,899 |
| Net operating income to assets | 0.7930% | 3,539 |
| Return on assets (ROA) | 0.7930% | 3,608 |
| Pretax return on assets | 0.9255% | 3,639 |
| Return on Equity (ROE) | 5.2634% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.2634% | 3,116 |
| Net charge-offs to loans | 0.1571% | 534 |
| Credit loss provision to net charge-offs | 6.8966% | 2,031 |
| Earnings coverage of net charge-offs (x) | 19.5862% | 1,755 |
| Efficiency ratio | 63.2600% | 2,501 |
| Assets per employee ($millions) | 10.7223% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3267% | 374 |
| Loan loss allowance to noncurrent loans | 118.5950% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 1,363 |
| Noncurrent loans to loans | 1.9619% | 456 |
| Net loans and leases to total assets | 28.0911% | 4,645 |
| Net loans and leases to deposits | 33.2075% | 4,645 |
| Net loans and leases to core deposits | 34.6615% | 4,641 |
| Total domestic deposits to total assets | 84.5928% | 3,266 |
| Equity capital to assets | 14.5713% | 627 |
| Core capital (leverage) ratio | 13.8572% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0210% | 181 |
| Memoranda: | ||
| Average total assets | $81,541,250 | 4,242 |
| Average earning assets | $78,156,000 | 4,205 |
| Average equity | $12,285,750 | 3,952 |
| Average total loans | $24,615,750 | 4,541 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9581% | 4,118 |
| Cost of funding earning assets | 0.4435% | 1,565 |
| Net interest margin | 2.5147% | 4,283 |
| Noninterest income to average assets | 0.2421% | 3,947 |
| Noninterest expense to average assets | 1.4327% | 4,691 |
| Loan and lease loss provision to assets | 0.0050% | 2,790 |
| Net operating income to assets | 1.0758% | 2,624 |
| Return on assets (ROA) | 1.0758% | 2,696 |
| Pretax return on assets | 1.2105% | 2,876 |
| Return on Equity (ROE) | 7.0571% | 3,643 |
| Retained earnings to average equity (ytd only) | 7.0571% | 2,410 |
| Net charge-offs to loans | 0.1220% | 638 |
| Credit loss provision to net charge-offs | 13.3333% | 1,760 |
| Earnings coverage of net charge-offs (x) | 32.4667% | 1,269 |
| Efficiency ratio | 54.0999% | 3,791 |
| Assets per employee ($millions) | 9.9816% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2936% | 365 |
| Loan loss allowance to noncurrent loans | 152.7273% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 1,740 |
| Noncurrent loans to loans | 1.5017% | 754 |
| Net loans and leases to total assets | 31.3689% | 4,609 |
| Net loans and leases to deposits | 37.5395% | 4,595 |
| Net loans and leases to core deposits | 39.3073% | 4,595 |
| Total domestic deposits to total assets | 83.5623% | 3,555 |
| Equity capital to assets | 15.5548% | 464 |
| Core capital (leverage) ratio | 14.2261% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1218% | 188 |
| Memoranda: | ||
| Average total assets | $80,129,000 | 4,288 |
| Average earning assets | $76,669,667 | 4,251 |
| Average equity | $12,214,667 | 3,964 |
| Average total loans | $24,597,667 | 4,578 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8436% | 4,323 |
| Cost of funding earning assets | 0.4662% | 1,615 |
| Net interest margin | 2.3775% | 4,438 |
| Noninterest income to average assets | 0.2193% | 4,074 |
| Noninterest expense to average assets | 1.4153% | 4,732 |
| Loan and lease loss provision to assets | 0.0100% | 2,645 |
| Net operating income to assets | 0.9468% | 2,979 |
| Return on assets (ROA) | 0.9468% | 3,070 |
| Pretax return on assets | 1.0814% | 3,159 |
| Return on Equity (ROE) | 6.2750% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.2750% | 2,801 |
| Net charge-offs to loans | 0.2658% | 322 |
| Credit loss provision to net charge-offs | 12.5000% | 1,442 |
| Earnings coverage of net charge-offs (x) | 13.6875% | 1,394 |
| Efficiency ratio | 56.4612% | 3,493 |
| Assets per employee ($millions) | 8.9857% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3900% | 310 |
| Loan loss allowance to noncurrent loans | 127.6087% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 1,627 |
| Noncurrent loans to loans | 1.8729% | 602 |
| Net loans and leases to total assets | 29.6447% | 4,706 |
| Net loans and leases to deposits | 35.1700% | 4,700 |
| Net loans and leases to core deposits | 36.7694% | 4,694 |
| Total domestic deposits to total assets | 84.2898% | 3,345 |
| Equity capital to assets | 14.8805% | 513 |
| Core capital (leverage) ratio | 14.0900% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0034% | 194 |
| Memoranda: | ||
| Average total assets | $80,267,000 | 4,304 |
| Average earning assets | $77,225,000 | 4,261 |
| Average equity | $12,111,500 | 3,985 |
| Average total loans | $24,078,000 | 4,615 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1423% | 4,516 |
| Cost of funding earning assets | 0.6367% | 2,075 |
| Net interest margin | 2.5055% | 4,586 |
| Noninterest income to average assets | 0.2757% | 3,828 |
| Noninterest expense to average assets | 1.8135% | 4,446 |
| Loan and lease loss provision to assets | 0.0437% | 3,855 |
| Net operating income to assets | 0.6973% | 3,444 |
| Return on assets (ROA) | 0.7954% | 3,227 |
| Pretax return on assets | 0.9385% | 3,256 |
| Return on Equity (ROE) | 5.2452% | 3,833 |
| Retained earnings to average equity (ytd only) | 5.2452% | 2,165 |
| Net charge-offs to loans | 0.0944% | 1,514 |
| Credit loss provision to net charge-offs | 143.4783% | 2,460 |
| Earnings coverage of net charge-offs (x) | 28.4348% | 1,659 |
| Efficiency ratio | 67.6558% | 2,276 |
| Assets per employee ($millions) | 9.9579% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5471% | 248 |
| Loan loss allowance to noncurrent loans | 108.6799% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.7105% | 1,464 |
| Noncurrent loans to loans | 2.3437% | 449 |
| Net loans and leases to total assets | 28.8641% | 4,782 |
| Net loans and leases to deposits | 35.3042% | 4,758 |
| Net loans and leases to core deposits | 36.9673% | 4,762 |
| Total domestic deposits to total assets | 81.7582% | 3,716 |
| Equity capital to assets | 15.3007% | 522 |
| Core capital (leverage) ratio | 14.0042% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3644% | 186 |
| Memoranda: | ||
| Average total assets | $75,435,600 | 4,303 |
| Average earning assets | $72,399,600 | 4,265 |
| Average equity | $11,439,000 | 4,034 |
| Average total loans | $24,355,000 | 4,628 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2279% | 4,556 |
| Cost of funding earning assets | 0.6775% | 2,156 |
| Net interest margin | 2.5504% | 4,616 |
| Noninterest income to average assets | 0.2868% | 3,769 |
| Noninterest expense to average assets | 1.8715% | 4,382 |
| Loan and lease loss provision to assets | 0.0148% | 4,136 |
| Net operating income to assets | 0.7153% | 3,412 |
| Return on assets (ROA) | 0.8479% | 3,040 |
| Pretax return on assets | 0.9931% | 3,096 |
| Return on Equity (ROE) | 5.6050% | 3,688 |
| Retained earnings to average equity (ytd only) | 5.6050% | 2,285 |
| Net charge-offs to loans | 0.0869% | 1,435 |
| Credit loss provision to net charge-offs | 50.0000% | 2,886 |
| Earnings coverage of net charge-offs (x) | 29.6875% | 1,592 |
| Efficiency ratio | 68.7294% | 2,080 |
| Assets per employee ($millions) | 9.8106% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4357% | 250 |
| Loan loss allowance to noncurrent loans | 83.4049% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.8906% | 1,294 |
| Noncurrent loans to loans | 2.9203% | 325 |
| Net loans and leases to total assets | 29.7547% | 4,828 |
| Net loans and leases to deposits | 35.4559% | 4,834 |
| Net loans and leases to core deposits | 37.0906% | 4,833 |
| Total domestic deposits to total assets | 83.9205% | 2,843 |
| Equity capital to assets | 15.1812% | 596 |
| Core capital (leverage) ratio | 13.9069% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4408% | 182 |
| Memoranda: | ||
| Average total assets | $74,378,750 | 4,323 |
| Average earning assets | $71,046,500 | 4,296 |
| Average equity | $11,251,500 | 4,063 |
| Average total loans | $24,545,000 | 4,655 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3534% | 4,588 |
| Cost of funding earning assets | 0.7159% | 2,302 |
| Net interest margin | 2.6375% | 4,618 |
| Noninterest income to average assets | 0.2767% | 3,816 |
| Noninterest expense to average assets | 1.8518% | 4,479 |
| Loan and lease loss provision to assets | 0.0219% | 3,973 |
| Net operating income to assets | 0.8058% | 3,029 |
| Return on assets (ROA) | 0.9916% | 2,486 |
| Pretax return on assets | 1.1396% | 2,581 |
| Return on Equity (ROE) | 6.5637% | 3,304 |
| Retained earnings to average equity (ytd only) | 6.5637% | 1,840 |
| Net charge-offs to loans | 0.0485% | 1,791 |
| Credit loss provision to net charge-offs | 133.3333% | 2,213 |
| Earnings coverage of net charge-offs (x) | 57.6667% | 1,001 |
| Efficiency ratio | 66.1448% | 2,497 |
| Assets per employee ($millions) | 9.6704% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4386% | 241 |
| Loan loss allowance to noncurrent loans | 84.2330% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9100% | 1,349 |
| Noncurrent loans to loans | 2.8951% | 354 |
| Net loans and leases to total assets | 30.6658% | 4,846 |
| Net loans and leases to deposits | 36.5468% | 4,852 |
| Net loans and leases to core deposits | 38.0839% | 4,851 |
| Total domestic deposits to total assets | 83.9083% | 2,777 |
| Equity capital to assets | 15.1545% | 597 |
| Core capital (leverage) ratio | 13.6642% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5116% | 189 |
| Memoranda: | ||
| Average total assets | $73,010,000 | 4,353 |
| Average earning assets | $69,839,667 | 4,315 |
| Average equity | $11,030,333 | 4,093 |
| Average total loans | $24,748,000 | 4,666 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4828% | 4,646 |
| Cost of funding earning assets | 0.7556% | 2,636 |
| Net interest margin | 2.7272% | 4,640 |
| Noninterest income to average assets | 0.3049% | 3,690 |
| Noninterest expense to average assets | 1.9652% | 4,461 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8447% | 2,733 |
| Return on assets (ROA) | 1.2367% | 1,513 |
| Pretax return on assets | 1.3892% | 1,596 |
| Return on Equity (ROE) | 8.1996% | 2,428 |
| Retained earnings to average equity (ytd only) | 8.1996% | 1,170 |
| Net charge-offs to loans | 0.1282% | 946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,397 |
| Efficiency ratio | 67.4419% | 2,750 |
| Assets per employee ($millions) | 9.1295% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3439% | 309 |
| Loan loss allowance to noncurrent loans | 67.7907% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 1,004 |
| Noncurrent loans to loans | 3.4576% | 277 |
| Net loans and leases to total assets | 33.2576% | 4,845 |
| Net loans and leases to deposits | 39.2116% | 4,848 |
| Net loans and leases to core deposits | 40.9164% | 4,863 |
| Total domestic deposits to total assets | 84.8157% | 2,482 |
| Equity capital to assets | 14.5326% | 886 |
| Core capital (leverage) ratio | 15.2287% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,833,500 | 4,399 |
| Average earning assets | $67,761,500 | 4,355 |
| Average equity | $10,683,500 | 4,146 |
| Average total loans | $24,963,500 | 4,696 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7787% | 4,589 |
| Cost of funding earning assets | 0.7476% | 2,930 |
| Net interest margin | 3.0311% | 4,483 |
| Noninterest income to average assets | 0.3640% | 3,525 |
| Noninterest expense to average assets | 2.1703% | 4,224 |
| Loan and lease loss provision to assets | 0.0993% | 2,066 |
| Net operating income to assets | 0.8161% | 3,509 |
| Return on assets (ROA) | 0.8407% | 3,504 |
| Pretax return on assets | 1.0272% | 3,399 |
| Return on Equity (ROE) | 5.4401% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.4401% | 2,199 |
| Net charge-offs to loans | -0.1136% | 4,972 |
| Credit loss provision to net charge-offs | -227.5862% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4365% | 2,701 |
| Assets per employee ($millions) | 8.5789% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3589% | 260 |
| Loan loss allowance to noncurrent loans | 71.0337% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.2560% | 903 |
| Noncurrent loans to loans | 3.3208% | 254 |
| Net loans and leases to total assets | 35.6442% | 4,849 |
| Net loans and leases to deposits | 42.6192% | 4,858 |
| Net loans and leases to core deposits | 44.8451% | 4,856 |
| Total domestic deposits to total assets | 83.6342% | 2,982 |
| Equity capital to assets | 15.6678% | 662 |
| Core capital (leverage) ratio | 15.0774% | 671 |
| Tier 1 risk-based capital ratio | 32.6508% | 394 |
| Total risk-based capital ratio | 33.9062% | 386 |
| Memoranda: | ||
| Average total assets | $66,490,000 | 4,490 |
| Average earning assets | $63,672,400 | 4,440 |
| Average equity | $10,275,600 | 4,203 |
| Average total loans | $25,536,200 | 4,739 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 4,683 |
| Cost of funding earning assets | 0.7338% | 3,048 |
| Net interest margin | 3.0622% | 4,538 |
| Noninterest income to average assets | 0.3639% | 3,543 |
| Noninterest expense to average assets | 1.9568% | 4,633 |
| Loan and lease loss provision to assets | 0.1334% | 1,443 |
| Net operating income to assets | 1.0112% | 2,942 |
| Return on assets (ROA) | 1.0451% | 2,889 |
| Pretax return on assets | 1.2412% | 2,846 |
| Return on Equity (ROE) | 6.7872% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.7872% | 1,960 |
| Net charge-offs to loans | -0.1663% | 5,088 |
| Credit loss provision to net charge-offs | -206.2500% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4595% | 3,738 |
| Assets per employee ($millions) | 8.5990% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3269% | 275 |
| Loan loss allowance to noncurrent loans | 74.6231% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 1,053 |
| Noncurrent loans to loans | 3.1181% | 304 |
| Net loans and leases to total assets | 36.2455% | 4,932 |
| Net loans and leases to deposits | 43.3409% | 4,924 |
| Net loans and leases to core deposits | 45.3700% | 4,931 |
| Total domestic deposits to total assets | 83.6289% | 2,958 |
| Equity capital to assets | 15.6210% | 710 |
| Core capital (leverage) ratio | 15.2364% | 687 |
| Tier 1 risk-based capital ratio | 28.5847% | 535 |
| Total risk-based capital ratio | 29.8371% | 528 |
| Memoranda: | ||
| Average total assets | $65,954,750 | 4,555 |
| Average earning assets | $63,047,750 | 4,508 |
| Average equity | $10,156,250 | 4,261 |
| Average total loans | $25,656,750 | 4,802 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 4,698 |
| Cost of funding earning assets | 0.7128% | 3,095 |
| Net interest margin | 3.1015% | 4,530 |
| Noninterest income to average assets | 0.3476% | 3,610 |
| Noninterest expense to average assets | 1.8674% | 4,796 |
| Loan and lease loss provision to assets | 0.1723% | 1,054 |
| Net operating income to assets | 1.0613% | 2,675 |
| Return on assets (ROA) | 1.0460% | 2,811 |
| Pretax return on assets | 1.2614% | 2,707 |
| Return on Equity (ROE) | 6.8275% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.8275% | 1,887 |
| Net charge-offs to loans | -0.2724% | 5,176 |
| Credit loss provision to net charge-offs | -160.0000% | 3,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2558% | 4,219 |
| Assets per employee ($millions) | 8.0031% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2873% | 304 |
| Loan loss allowance to noncurrent loans | 91.0078% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0543% | 1,298 |
| Noncurrent loans to loans | 2.5132% | 474 |
| Net loans and leases to total assets | 39.1675% | 4,874 |
| Net loans and leases to deposits | 47.2919% | 4,869 |
| Net loans and leases to core deposits | 49.6860% | 4,872 |
| Total domestic deposits to total assets | 82.8208% | 3,262 |
| Equity capital to assets | 16.3670% | 559 |
| Core capital (leverage) ratio | 15.3923% | 633 |
| Tier 1 risk-based capital ratio | 32.3220% | 411 |
| Total risk-based capital ratio | 33.5789% | 404 |
| Memoranda: | ||
| Average total assets | $65,009,000 | 4,611 |
| Average earning assets | $62,292,330 | 4,557 |
| Average equity | $9,959,670 | 4,304 |
| Average total loans | $25,699,670 | 4,838 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 4,808 |
| Cost of funding earning assets | 0.6636% | 3,241 |
| Net interest margin | 3.0628% | 4,650 |
| Noninterest income to average assets | 0.3298% | 3,652 |
| Noninterest expense to average assets | 1.9297% | 4,756 |
| Loan and lease loss provision to assets | 0.0305% | 3,010 |
| Net operating income to assets | 1.0615% | 2,612 |
| Return on assets (ROA) | 1.0565% | 2,681 |
| Pretax return on assets | 1.2946% | 2,475 |
| Return on Equity (ROE) | 7.1340% | 3,624 |
| Retained earnings to average equity (ytd only) | 7.1340% | 1,989 |
| Net charge-offs to loans | -0.8088% | 5,296 |
| Credit loss provision to net charge-offs | -9.6154% | 3,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1760% | 3,927 |
| Assets per employee ($millions) | 8.3519% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1948% | 359 |
| Loan loss allowance to noncurrent loans | 97.0175% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 1,661 |
| Noncurrent loans to loans | 2.2623% | 619 |
| Net loans and leases to total assets | 36.8824% | 4,989 |
| Net loans and leases to deposits | 43.5181% | 4,998 |
| Net loans and leases to core deposits | 45.5609% | 5,005 |
| Total domestic deposits to total assets | 84.7519% | 2,769 |
| Equity capital to assets | 14.8290% | 790 |
| Core capital (leverage) ratio | 14.9971% | 694 |
| Tier 1 risk-based capital ratio | 31.6647% | 422 |
| Total risk-based capital ratio | 32.9202% | 416 |
| Memoranda: | ||
| Average total assets | $65,501,000 | 4,646 |
| Average earning assets | $62,688,500 | 4,600 |
| Average equity | $9,700,000 | 4,373 |
| Average total loans | $25,717,500 | 4,891 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5385% | 4,871 |
| Cost of funding earning assets | 0.5466% | 3,073 |
| Net interest margin | 2.9919% | 4,807 |
| Noninterest income to average assets | 0.4062% | 3,406 |
| Noninterest expense to average assets | 2.0308% | 4,696 |
| Loan and lease loss provision to assets | 0.1111% | 1,986 |
| Net operating income to assets | 0.8675% | 3,547 |
| Return on assets (ROA) | 0.8425% | 3,633 |
| Pretax return on assets | 1.0900% | 3,314 |
| Return on Equity (ROE) | 5.7446% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.7446% | 2,327 |
| Net charge-offs to loans | 0.3769% | 503 |
| Credit loss provision to net charge-offs | 75.2688% | 2,920 |
| Earnings coverage of net charge-offs (x) | 8.3548% | 2,905 |
| Efficiency ratio | 62.2265% | 3,483 |
| Assets per employee ($millions) | 8.0234% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8903% | 582 |
| Loan loss allowance to noncurrent loans | 84.2105% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.9176% | 1,508 |
| Noncurrent loans to loans | 2.2448% | 576 |
| Net loans and leases to total assets | 40.1063% | 4,945 |
| Net loans and leases to deposits | 47.2383% | 4,949 |
| Net loans and leases to core deposits | 49.5172% | 4,955 |
| Total domestic deposits to total assets | 84.9019% | 2,685 |
| Equity capital to assets | 14.7880% | 765 |
| Core capital (leverage) ratio | 15.3298% | 624 |
| Tier 1 risk-based capital ratio | 30.9305% | 428 |
| Total risk-based capital ratio | 32.1821% | 425 |
| Memoranda: | ||
| Average total assets | $63,030,000 | 4,701 |
| Average earning assets | $60,195,400 | 4,664 |
| Average equity | $9,243,400 | 4,426 |
| Average total loans | $24,677,000 | 4,949 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4413% | 4,990 |
| Cost of funding earning assets | 0.5183% | 3,075 |
| Net interest margin | 2.9230% | 4,946 |
| Noninterest income to average assets | 0.4165% | 3,380 |
| Noninterest expense to average assets | 1.8021% | 5,034 |
| Loan and lease loss provision to assets | 0.0680% | 2,615 |
| Net operating income to assets | 1.0821% | 2,740 |
| Return on assets (ROA) | 1.0477% | 2,887 |
| Pretax return on assets | 1.2963% | 2,643 |
| Return on Equity (ROE) | 7.1594% | 3,873 |
| Retained earnings to average equity (ytd only) | 7.1594% | 2,042 |
| Net charge-offs to loans | 0.4776% | 331 |
| Credit loss provision to net charge-offs | 36.7816% | 2,932 |
| Earnings coverage of net charge-offs (x) | 7.6090% | 2,792 |
| Efficiency ratio | 56.1589% | 4,367 |
| Assets per employee ($millions) | 8.0624% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 739 |
| Loan loss allowance to noncurrent loans | 109.1765% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6589% | 2,218 |
| Noncurrent loans to loans | 1.6397% | 962 |
| Net loans and leases to total assets | 39.4657% | 5,040 |
| Net loans and leases to deposits | 46.2877% | 5,046 |
| Net loans and leases to core deposits | 48.4885% | 5,059 |
| Total domestic deposits to total assets | 85.2618% | 2,504 |
| Equity capital to assets | 14.3181% | 875 |
| Core capital (leverage) ratio | 15.3026% | 632 |
| Tier 1 risk-based capital ratio | 31.1327% | 424 |
| Total risk-based capital ratio | 32.3845% | 424 |
| Memoranda: | ||
| Average total assets | $62,740,750 | 4,754 |
| Average earning assets | $59,937,250 | 4,716 |
| Average equity | $9,181,250 | 4,481 |
| Average total loans | $24,286,500 | 5,020 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4173% | 5,022 |
| Cost of funding earning assets | 0.5031% | 2,991 |
| Net interest margin | 2.9141% | 4,993 |
| Noninterest income to average assets | 0.4183% | 3,370 |
| Noninterest expense to average assets | 1.7151% | 5,180 |
| Loan and lease loss provision to assets | 0.0547% | 2,810 |
| Net operating income to assets | 1.1629% | 2,336 |
| Return on assets (ROA) | 1.1101% | 2,550 |
| Pretax return on assets | 1.3611% | 2,290 |
| Return on Equity (ROE) | 7.5300% | 3,705 |
| Retained earnings to average equity (ytd only) | 7.5300% | 1,831 |
| Net charge-offs to loans | 0.3285% | 484 |
| Credit loss provision to net charge-offs | 43.5897% | 2,537 |
| Earnings coverage of net charge-offs (x) | 11.7949% | 2,244 |
| Efficiency ratio | 53.6757% | 4,724 |
| Assets per employee ($millions) | 7.5035% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0375% | 486 |
| Loan loss allowance to noncurrent loans | 100.6073% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 1,821 |
| Noncurrent loans to loans | 2.0252% | 733 |
| Net loans and leases to total assets | 39.8081% | 5,059 |
| Net loans and leases to deposits | 47.2804% | 5,052 |
| Net loans and leases to core deposits | 49.4168% | 5,055 |
| Total domestic deposits to total assets | 84.1957% | 2,994 |
| Equity capital to assets | 15.3278% | 624 |
| Core capital (leverage) ratio | 15.4323% | 581 |
| Tier 1 risk-based capital ratio | 32.4800% | 393 |
| Total risk-based capital ratio | 33.7343% | 387 |
| Memoranda: | ||
| Average total assets | $62,154,670 | 4,828 |
| Average earning assets | $59,228,330 | 4,786 |
| Average equity | $9,163,330 | 4,518 |
| Average total loans | $23,742,330 | 5,096 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3238% | 5,106 |
| Cost of funding earning assets | 0.4796% | 2,968 |
| Net interest margin | 2.8442% | 5,105 |
| Noninterest income to average assets | 0.3860% | 3,562 |
| Noninterest expense to average assets | 1.7274% | 5,222 |
| Loan and lease loss provision to assets | 0.1076% | 1,735 |
| Net operating income to assets | 1.0022% | 2,851 |
| Return on assets (ROA) | 0.9871% | 2,933 |
| Pretax return on assets | 1.2338% | 2,622 |
| Return on Equity (ROE) | 6.8238% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.8238% | 2,356 |
| Net charge-offs to loans | 0.6833% | 219 |
| Credit loss provision to net charge-offs | 42.5000% | 1,997 |
| Earnings coverage of net charge-offs (x) | 5.3750% | 2,246 |
| Efficiency ratio | 55.9426% | 4,591 |
| Assets per employee ($millions) | 7.8688% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1789% | 404 |
| Loan loss allowance to noncurrent loans | 111.2108% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 2,201 |
| Noncurrent loans to loans | 1.9592% | 827 |
| Net loans and leases to total assets | 35.3741% | 5,229 |
| Net loans and leases to deposits | 41.4898% | 5,235 |
| Net loans and leases to core deposits | 43.2397% | 5,232 |
| Total domestic deposits to total assets | 85.2597% | 2,833 |
| Equity capital to assets | 14.3987% | 798 |
| Core capital (leverage) ratio | 14.8087% | 685 |
| Tier 1 risk-based capital ratio | 33.0781% | 372 |
| Total risk-based capital ratio | 34.3317% | 363 |
| Memoranda: | ||
| Average total assets | $63,218,000 | 4,866 |
| Average earning assets | $60,052,000 | 4,824 |
| Average equity | $9,144,500 | 4,565 |
| Average total loans | $23,417,000 | 5,161 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2721% | 5,118 |
| Cost of funding earning assets | 0.4625% | 2,665 |
| Net interest margin | 2.8095% | 5,156 |
| Noninterest income to average assets | 0.4073% | 3,587 |
| Noninterest expense to average assets | 1.9734% | 5,005 |
| Loan and lease loss provision to assets | 0.0406% | 3,456 |
| Net operating income to assets | 0.8362% | 3,007 |
| Return on assets (ROA) | 0.8195% | 3,121 |
| Pretax return on assets | 1.0338% | 3,443 |
| Return on Equity (ROE) | 5.5937% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.5937% | 1,777 |
| Net charge-offs to loans | 0.3857% | 653 |
| Credit loss provision to net charge-offs | 27.4725% | 3,556 |
| Earnings coverage of net charge-offs (x) | 7.4176% | 3,046 |
| Efficiency ratio | 64.3046% | 3,561 |
| Assets per employee ($millions) | 7.9358% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1562% | 403 |
| Loan loss allowance to noncurrent loans | 90.1042% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 1,713 |
| Noncurrent loans to loans | 2.3930% | 579 |
| Net loans and leases to total assets | 37.0964% | 5,254 |
| Net loans and leases to deposits | 43.5613% | 5,258 |
| Net loans and leases to core deposits | 45.5893% | 5,247 |
| Total domestic deposits to total assets | 85.1589% | 2,774 |
| Equity capital to assets | 14.5308% | 770 |
| Core capital (leverage) ratio | 14.3929% | 755 |
| Tier 1 risk-based capital ratio | 31.4831% | 401 |
| Total risk-based capital ratio | 32.7381% | 400 |
| Memoranda: | ||
| Average total assets | $61,619,400 | 4,932 |
| Average earning assets | $58,372,400 | 4,901 |
| Average equity | $9,028,000 | 4,609 |
| Average total loans | $23,592,600 | 5,206 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2464% | 5,175 |
| Cost of funding earning assets | 0.4588% | 2,626 |
| Net interest margin | 2.7876% | 5,240 |
| Noninterest income to average assets | 0.4055% | 3,650 |
| Noninterest expense to average assets | 1.8293% | 5,238 |
| Loan and lease loss provision to assets | 0.0545% | 3,000 |
| Net operating income to assets | 0.9365% | 2,847 |
| Return on assets (ROA) | 0.9135% | 3,014 |
| Pretax return on assets | 1.1294% | 3,187 |
| Return on Equity (ROE) | 6.2219% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.2219% | 2,098 |
| Net charge-offs to loans | 0.3862% | 551 |
| Credit loss provision to net charge-offs | 36.7647% | 3,024 |
| Earnings coverage of net charge-offs (x) | 8.1768% | 2,809 |
| Efficiency ratio | 60.1434% | 4,189 |
| Assets per employee ($millions) | 7.9673% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3385% | 326 |
| Loan loss allowance to noncurrent loans | 143.3862% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 2,736 |
| Noncurrent loans to loans | 1.6309% | 1,126 |
| Net loans and leases to total assets | 35.5126% | 5,368 |
| Net loans and leases to deposits | 41.8345% | 5,368 |
| Net loans and leases to core deposits | 43.7696% | 5,370 |
| Total domestic deposits to total assets | 84.8881% | 2,756 |
| Equity capital to assets | 14.5926% | 832 |
| Core capital (leverage) ratio | 14.6295% | 736 |
| Tier 1 risk-based capital ratio | 32.0235% | 417 |
| Total risk-based capital ratio | 33.2802% | 409 |
| Memoranda: | ||
| Average total assets | $61,152,750 | 4,995 |
| Average earning assets | $57,826,250 | 4,967 |
| Average equity | $8,978,750 | 4,662 |
| Average total loans | $23,473,250 | 5,265 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2474% | 5,180 |
| Cost of funding earning assets | 0.4534% | 2,571 |
| Net interest margin | 2.7939% | 5,255 |
| Noninterest income to average assets | 0.3715% | 3,899 |
| Noninterest expense to average assets | 1.8411% | 5,268 |
| Loan and lease loss provision to assets | 0.0962% | 2,075 |
| Net operating income to assets | 0.8655% | 3,098 |
| Return on assets (ROA) | 0.8393% | 3,251 |
| Pretax return on assets | 1.0582% | 3,347 |
| Return on Equity (ROE) | 5.7038% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.7038% | 2,291 |
| Net charge-offs to loans | 0.4836% | 410 |
| Credit loss provision to net charge-offs | 50.8772% | 2,551 |
| Earnings coverage of net charge-offs (x) | 6.2807% | 2,726 |
| Efficiency ratio | 60.7886% | 4,198 |
| Assets per employee ($millions) | 7.5051% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3621% | 347 |
| Loan loss allowance to noncurrent loans | 69.4514% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.3358% | 1,211 |
| Noncurrent loans to loans | 3.4010% | 349 |
| Net loans and leases to total assets | 38.3471% | 5,292 |
| Net loans and leases to deposits | 45.6970% | 5,289 |
| Net loans and leases to core deposits | 47.9637% | 5,287 |
| Total domestic deposits to total assets | 83.9160% | 3,233 |
| Equity capital to assets | 15.2729% | 662 |
| Core capital (leverage) ratio | 14.7264% | 691 |
| Tier 1 risk-based capital ratio | 31.4793% | 421 |
| Total risk-based capital ratio | 32.7378% | 414 |
| Memoranda: | ||
| Average total assets | $60,291,000 | 5,051 |
| Average earning assets | $57,338,330 | 5,010 |
| Average equity | $8,871,330 | 4,702 |
| Average total loans | $23,572,000 | 5,301 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2236% | 5,209 |
| Cost of funding earning assets | 0.4485% | 2,536 |
| Net interest margin | 2.7751% | 5,293 |
| Noninterest income to average assets | 0.3641% | 3,927 |
| Noninterest expense to average assets | 1.6088% | 5,549 |
| Loan and lease loss provision to assets | 0.1655% | 1,081 |
| Net operating income to assets | 0.9768% | 2,409 |
| Return on assets (ROA) | 0.9070% | 2,781 |
| Pretax return on assets | 1.1255% | 2,882 |
| Return on Equity (ROE) | 6.2830% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.2830% | 2,191 |
| Net charge-offs to loans | 0.7807% | 216 |
| Credit loss provision to net charge-offs | 54.3478% | 1,950 |
| Earnings coverage of net charge-offs (x) | 4.5217% | 2,375 |
| Efficiency ratio | 53.8803% | 5,139 |
| Assets per employee ($millions) | 7.6663% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4344% | 339 |
| Loan loss allowance to noncurrent loans | 78.9916% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.1642% | 1,513 |
| Noncurrent loans to loans | 3.0818% | 439 |
| Net loans and leases to total assets | 36.8564% | 5,373 |
| Net loans and leases to deposits | 43.2182% | 5,384 |
| Net loans and leases to core deposits | 45.2143% | 5,382 |
| Total domestic deposits to total assets | 85.2796% | 2,973 |
| Equity capital to assets | 14.3975% | 789 |
| Core capital (leverage) ratio | 14.5308% | 703 |
| Tier 1 risk-based capital ratio | 31.0386% | 446 |
| Total risk-based capital ratio | 32.2958% | 441 |
| Memoranda: | ||
| Average total assets | $60,416,000 | 5,106 |
| Average earning assets | $57,079,500 | 5,074 |
| Average equity | $8,722,000 | 4,765 |
| Average total loans | $23,567,500 | 5,350 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3816% | 5,019 |
| Cost of funding earning assets | 0.4680% | 2,373 |
| Net interest margin | 2.9136% | 5,114 |
| Noninterest income to average assets | 0.4577% | 3,493 |
| Noninterest expense to average assets | 2.1149% | 4,977 |
| Loan and lease loss provision to assets | 0.1086% | 2,238 |
| Net operating income to assets | 0.7399% | 3,590 |
| Return on assets (ROA) | 0.7618% | 3,590 |
| Pretax return on assets | 0.9873% | 3,520 |
| Return on Equity (ROE) | 5.2006% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.2006% | 2,202 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4567% | 3,517 |
| Assets per employee ($millions) | 7.4378% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4409% | 337 |
| Loan loss allowance to noncurrent loans | 72.2222% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.3613% | 1,266 |
| Noncurrent loans to loans | 3.3796% | 365 |
| Net loans and leases to total assets | 39.2962% | 5,348 |
| Net loans and leases to deposits | 46.0684% | 5,365 |
| Net loans and leases to core deposits | 48.2561% | 5,361 |
| Total domestic deposits to total assets | 85.2997% | 2,923 |
| Equity capital to assets | 14.4768% | 740 |
| Core capital (leverage) ratio | 14.4482% | 705 |
| Tier 1 risk-based capital ratio | 30.1781% | 473 |
| Total risk-based capital ratio | 31.4374% | 468 |
| Memoranda: | ||
| Average total assets | $59,860,200 | 5,149 |
| Average earning assets | $55,978,800 | 5,126 |
| Average equity | $8,768,200 | 4,792 |
| Average total loans | $24,647,400 | 5,367 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4307% | 4,953 |
| Cost of funding earning assets | 0.4710% | 2,357 |
| Net interest margin | 2.9597% | 5,082 |
| Noninterest income to average assets | 0.4626% | 3,472 |
| Noninterest expense to average assets | 1.8949% | 5,385 |
| Loan and lease loss provision to assets | 0.1245% | 1,872 |
| Net operating income to assets | 0.9291% | 2,758 |
| Return on assets (ROA) | 0.9586% | 2,756 |
| Pretax return on assets | 1.2343% | 2,685 |
| Return on Equity (ROE) | 6.5251% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.5251% | 1,896 |
| Net charge-offs to loans | -0.1719% | 5,723 |
| Credit loss provision to net charge-offs | -175.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9212% | 4,698 |
| Assets per employee ($millions) | 7.6438% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4330% | 357 |
| Loan loss allowance to noncurrent loans | 60.6786% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 1.6615% | 1,035 |
| Noncurrent loans to loans | 4.0096% | 270 |
| Net loans and leases to total assets | 39.8724% | 5,381 |
| Net loans and leases to deposits | 47.1341% | 5,407 |
| Net loans and leases to core deposits | 49.3183% | 5,411 |
| Total domestic deposits to total assets | 84.5936% | 2,989 |
| Equity capital to assets | 14.7882% | 794 |
| Core capital (leverage) ratio | 14.4032% | 750 |
| Tier 1 risk-based capital ratio | 29.2665% | 512 |
| Total risk-based capital ratio | 30.5253% | 510 |
| Memoranda: | ||
| Average total assets | $59,949,750 | 5,186 |
| Average earning assets | $55,769,750 | 5,178 |
| Average equity | $8,806,750 | 4,838 |
| Average total loans | $24,817,500 | 5,408 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5303% | 4,786 |
| Cost of funding earning assets | 0.4745% | 2,319 |
| Net interest margin | 3.0557% | 4,962 |
| Noninterest income to average assets | 0.4568% | 3,477 |
| Noninterest expense to average assets | 1.9110% | 5,430 |
| Loan and lease loss provision to assets | 0.0873% | 2,399 |
| Net operating income to assets | 0.9687% | 2,532 |
| Return on assets (ROA) | 1.0109% | 2,478 |
| Pretax return on assets | 1.3703% | 2,131 |
| Return on Equity (ROE) | 6.8973% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.8973% | 1,661 |
| Net charge-offs to loans | -0.5250% | 5,946 |
| Credit loss provision to net charge-offs | -40.0000% | 4,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7079% | 4,948 |
| Assets per employee ($millions) | 7.2331% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4796% | 372 |
| Loan loss allowance to noncurrent loans | 59.9020% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 1.7869% | 969 |
| Noncurrent loans to loans | 4.1394% | 271 |
| Net loans and leases to total assets | 41.5277% | 5,354 |
| Net loans and leases to deposits | 49.4740% | 5,361 |
| Net loans and leases to core deposits | 52.3074% | 5,353 |
| Total domestic deposits to total assets | 83.9385% | 3,288 |
| Equity capital to assets | 15.4221% | 646 |
| Core capital (leverage) ratio | 14.3232% | 741 |
| Tier 1 risk-based capital ratio | 29.9301% | 499 |
| Total risk-based capital ratio | 31.1913% | 491 |
| Memoranda: | ||
| Average total assets | $59,549,670 | 5,249 |
| Average earning assets | $55,633,330 | 5,232 |
| Average equity | $8,728,000 | 4,886 |
| Average total loans | $24,760,000 | 5,472 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4694% | 4,959 |
| Cost of funding earning assets | 0.4731% | 2,338 |
| Net interest margin | 2.9963% | 5,129 |
| Noninterest income to average assets | 0.5034% | 3,095 |
| Noninterest expense to average assets | 1.9340% | 5,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0480% | 2,092 |
| Return on assets (ROA) | 1.0531% | 2,182 |
| Pretax return on assets | 1.3445% | 2,112 |
| Return on Equity (ROE) | 7.3696% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.3696% | 1,717 |
| Net charge-offs to loans | -1.1765% | 6,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1093% | 4,858 |
| Assets per employee ($millions) | 7.6389% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4281% | 425 |
| Loan loss allowance to noncurrent loans | 56.1553% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.7509% | 1,077 |
| Noncurrent loans to loans | 4.3240% | 261 |
| Net loans and leases to total assets | 38.9930% | 5,509 |
| Net loans and leases to deposits | 45.7819% | 5,513 |
| Net loans and leases to core deposits | 48.2095% | 5,505 |
| Total domestic deposits to total assets | 85.1712% | 3,053 |
| Equity capital to assets | 14.2953% | 884 |
| Core capital (leverage) ratio | 13.9086% | 835 |
| Tier 1 risk-based capital ratio | 28.5616% | 572 |
| Total risk-based capital ratio | 29.8200% | 558 |
| Memoranda: | ||
| Average total assets | $60,392,000 | 5,281 |
| Average earning assets | $55,802,500 | 5,271 |
| Average equity | $8,630,000 | 4,931 |
| Average total loans | $24,819,500 | 5,517 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 4,971 |
| Cost of funding earning assets | 0.4680% | 2,456 |
| Net interest margin | 3.0120% | 5,110 |
| Noninterest income to average assets | 0.4071% | 3,985 |
| Noninterest expense to average assets | 1.5858% | 5,932 |
| Loan and lease loss provision to assets | 0.9193% | 98 |
| Net operating income to assets | 0.7338% | 3,656 |
| Return on assets (ROA) | 0.7683% | 3,561 |
| Pretax return on assets | 0.7683% | 4,309 |
| Return on Equity (ROE) | 5.6505% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.6505% | 1,982 |
| Net charge-offs to loans | 3.3385% | 25 |
| Credit loss provision to net charge-offs | 64.2202% | 3,205 |
| Earnings coverage of net charge-offs (x) | 1.1548% | 4,133 |
| Efficiency ratio | 48.9610% | 5,802 |
| Assets per employee ($millions) | 7.4591% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0621% | 720 |
| Loan loss allowance to noncurrent loans | 43.1535% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 2.0428% | 854 |
| Noncurrent loans to loans | 4.7785% | 212 |
| Net loans and leases to total assets | 41.3872% | 5,446 |
| Net loans and leases to deposits | 48.5512% | 5,459 |
| Net loans and leases to core deposits | 51.1579% | 5,448 |
| Total domestic deposits to total assets | 85.2446% | 2,972 |
| Equity capital to assets | 14.2845% | 842 |
| Core capital (leverage) ratio | 13.6680% | 917 |
| Tier 1 risk-based capital ratio | 28.1206% | 594 |
| Total risk-based capital ratio | 29.3767% | 585 |
| Memoranda: | ||
| Average total assets | $60,916,600 | 5,300 |
| Average earning assets | $57,270,000 | 5,259 |
| Average equity | $8,282,400 | 5,008 |
| Average total loans | $26,119,400 | 5,515 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4542% | 5,089 |
| Cost of funding earning assets | 0.4647% | 2,536 |
| Net interest margin | 2.9895% | 5,221 |
| Noninterest income to average assets | 0.3550% | 4,405 |
| Noninterest expense to average assets | 1.4242% | 6,085 |
| Loan and lease loss provision to assets | 1.0888% | 61 |
| Net operating income to assets | 0.6576% | 4,091 |
| Return on assets (ROA) | 0.7034% | 4,001 |
| Pretax return on assets | 0.7034% | 4,671 |
| Return on Equity (ROE) | 5.2379% | 4,514 |
| Retained earnings to average equity (ytd only) | 5.2379% | 2,757 |
| Net charge-offs to loans | 3.4262% | 26 |
| Credit loss provision to net charge-offs | 73.8552% | 2,699 |
| Earnings coverage of net charge-offs (x) | 1.1846% | 3,872 |
| Efficiency ratio | 44.9176% | 6,005 |
| Assets per employee ($millions) | 7.5618% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5209% | 421 |
| Loan loss allowance to noncurrent loans | 42.9227% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 2.5226% | 686 |
| Noncurrent loans to loans | 5.8731% | 142 |
| Net loans and leases to total assets | 41.8686% | 5,496 |
| Net loans and leases to deposits | 48.7997% | 5,522 |
| Net loans and leases to core deposits | 51.3555% | 5,529 |
| Total domestic deposits to total assets | 85.7969% | 2,646 |
| Equity capital to assets | 13.7865% | 1,108 |
| Core capital (leverage) ratio | 13.2864% | 1,099 |
| Tier 1 risk-based capital ratio | 27.0935% | 679 |
| Total risk-based capital ratio | 28.3525% | 657 |
| Memoranda: | ||
| Average total assets | $61,227,500 | 5,355 |
| Average earning assets | $57,667,250 | 5,317 |
| Average equity | $8,222,000 | 5,085 |
| Average total loans | $26,345,000 | 5,574 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 5,083 |
| Cost of funding earning assets | 0.4650% | 2,561 |
| Net interest margin | 2.9944% | 5,236 |
| Noninterest income to average assets | 0.3026% | 4,791 |
| Noninterest expense to average assets | 1.4966% | 6,114 |
| Loan and lease loss provision to assets | 0.5531% | 168 |
| Net operating income to assets | 0.5419% | 4,592 |
| Return on assets (ROA) | 0.5856% | 4,507 |
| Pretax return on assets | 1.1290% | 3,055 |
| Return on Equity (ROE) | 4.3995% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.3995% | 3,216 |
| Net charge-offs to loans | 3.2193% | 34 |
| Credit loss provision to net charge-offs | 39.9061% | 2,821 |
| Earnings coverage of net charge-offs (x) | 1.1643% | 3,567 |
| Efficiency ratio | 48.1172% | 5,952 |
| Assets per employee ($millions) | 7.4869% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2935% | 635 |
| Loan loss allowance to noncurrent loans | 30.1887% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 3.1856% | 491 |
| Noncurrent loans to loans | 7.5971% | 97 |
| Net loans and leases to total assets | 40.9700% | 5,575 |
| Net loans and leases to deposits | 47.6485% | 5,609 |
| Net loans and leases to core deposits | 49.8983% | 5,618 |
| Total domestic deposits to total assets | 85.9838% | 2,700 |
| Equity capital to assets | 13.6205% | 1,120 |
| Core capital (leverage) ratio | 13.0319% | 1,152 |
| Tier 1 risk-based capital ratio | 26.7420% | 728 |
| Total risk-based capital ratio | 28.0005% | 711 |
| Memoranda: | ||
| Average total assets | $61,472,000 | 5,409 |
| Average earning assets | $57,640,000 | 5,381 |
| Average equity | $8,182,670 | 5,128 |
| Average total loans | $26,465,670 | 5,612 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4396% | 5,117 |
| Cost of funding earning assets | 0.4545% | 2,727 |
| Net interest margin | 2.9850% | 5,259 |
| Noninterest income to average assets | 0.2634% | 5,067 |
| Noninterest expense to average assets | 1.4070% | 6,230 |
| Loan and lease loss provision to assets | 0.2249% | 780 |
| Net operating income to assets | 0.9688% | 2,400 |
| Return on assets (ROA) | 1.0536% | 2,156 |
| Pretax return on assets | 1.5869% | 1,302 |
| Return on Equity (ROE) | 8.0049% | 2,953 |
| Retained earnings to average equity (ytd only) | 8.0049% | 1,569 |
| Net charge-offs to loans | 2.6528% | 54 |
| Credit loss provision to net charge-offs | 19.4444% | 2,364 |
| Earnings coverage of net charge-offs (x) | 1.4556% | 2,916 |
| Efficiency ratio | 45.5301% | 6,126 |
| Assets per employee ($millions) | 7.7814% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5669% | 484 |
| Loan loss allowance to noncurrent loans | 38.3371% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 3.1582% | 570 |
| Noncurrent loans to loans | 6.6956% | 141 |
| Net loans and leases to total assets | 41.8901% | 5,495 |
| Net loans and leases to deposits | 48.6711% | 5,535 |
| Net loans and leases to core deposits | 51.8759% | 5,498 |
| Total domestic deposits to total assets | 86.0677% | 2,905 |
| Equity capital to assets | 13.3106% | 1,256 |
| Core capital (leverage) ratio | 12.8039% | 1,234 |
| Tier 1 risk-based capital ratio | 25.6898% | 817 |
| Total risk-based capital ratio | 26.9503% | 799 |
| Memoranda: | ||
| Average total assets | $62,260,500 | 5,443 |
| Average earning assets | $58,961,000 | 5,389 |
| Average equity | $8,195,000 | 5,167 |
| Average total loans | $27,141,000 | 5,631 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 5,093 |
| Cost of funding earning assets | 0.5000% | 2,680 |
| Net interest margin | 3.0943% | 5,223 |
| Noninterest income to average assets | 0.4679% | 3,729 |
| Noninterest expense to average assets | 1.5693% | 6,260 |
| Loan and lease loss provision to assets | 0.8974% | 131 |
| Net operating income to assets | 0.6482% | 4,154 |
| Return on assets (ROA) | 0.7587% | 3,683 |
| Pretax return on assets | 1.0011% | 3,492 |
| Return on Equity (ROE) | 5.7758% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.7758% | 2,079 |
| Net charge-offs to loans | 0.7014% | 529 |
| Credit loss provision to net charge-offs | 285.6383% | 892 |
| Earnings coverage of net charge-offs (x) | 5.5798% | 3,395 |
| Efficiency ratio | 47.2334% | 6,218 |
| Assets per employee ($millions) | 7.7838% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0235% | 293 |
| Loan loss allowance to noncurrent loans | 48.5131% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 3.0271% | 662 |
| Noncurrent loans to loans | 6.2323% | 178 |
| Net loans and leases to total assets | 42.8553% | 5,550 |
| Net loans and leases to deposits | 49.5525% | 5,603 |
| Net loans and leases to core deposits | 52.7735% | 5,581 |
| Total domestic deposits to total assets | 86.4847% | 2,575 |
| Equity capital to assets | 13.0143% | 1,368 |
| Core capital (leverage) ratio | 12.6153% | 1,300 |
| Tier 1 risk-based capital ratio | 25.2524% | 817 |
| Total risk-based capital ratio | 26.4654% | 806 |
| Memoranda: | ||
| Average total assets | $59,837,000 | 5,554 |
| Average earning assets | $55,198,400 | 5,544 |
| Average equity | $7,860,400 | 5,233 |
| Average total loans | $26,805,000 | 5,709 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 4,605 |
| Cost of funding earning assets | 0.5116% | 2,643 |
| Net interest margin | 3.2714% | 4,716 |
| Noninterest income to average assets | 0.4885% | 3,626 |
| Noninterest expense to average assets | 1.4925% | 6,358 |
| Loan and lease loss provision to assets | 1.2088% | 76 |
| Net operating income to assets | 0.6211% | 4,348 |
| Return on assets (ROA) | 0.7136% | 3,973 |
| Pretax return on assets | 0.8982% | 3,996 |
| Return on Equity (ROE) | 5.4191% | 4,524 |
| Retained earnings to average equity (ytd only) | 5.4191% | 2,814 |
| Net charge-offs to loans | 0.9063% | 356 |
| Credit loss provision to net charge-offs | 296.6851% | 916 |
| Earnings coverage of net charge-offs (x) | 4.8839% | 3,357 |
| Efficiency ratio | 42.8571% | 6,400 |
| Assets per employee ($millions) | 7.5210% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1446% | 309 |
| Loan loss allowance to noncurrent loans | 72.8931% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 2.1955% | 1,260 |
| Noncurrent loans to loans | 4.3139% | 464 |
| Net loans and leases to total assets | 42.9497% | 5,602 |
| Net loans and leases to deposits | 49.8630% | 5,661 |
| Net loans and leases to core deposits | 53.2210% | 5,615 |
| Total domestic deposits to total assets | 86.1355% | 2,785 |
| Equity capital to assets | 13.2512% | 1,302 |
| Core capital (leverage) ratio | 12.4683% | 1,419 |
| Tier 1 risk-based capital ratio | 25.5418% | 826 |
| Total risk-based capital ratio | 26.7909% | 816 |
| Memoranda: | ||
| Average total assets | $59,228,750 | 5,630 |
| Average earning assets | $54,206,000 | 5,631 |
| Average equity | $7,799,500 | 5,292 |
| Average total loans | $26,626,750 | 5,778 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8406% | 4,370 |
| Cost of funding earning assets | 0.5235% | 2,601 |
| Net interest margin | 3.3170% | 4,525 |
| Noninterest income to average assets | 0.4719% | 3,696 |
| Noninterest expense to average assets | 1.6634% | 6,304 |
| Loan and lease loss provision to assets | 0.8215% | 145 |
| Net operating income to assets | 0.7789% | 3,432 |
| Return on assets (ROA) | 0.9166% | 2,823 |
| Pretax return on assets | 1.1746% | 2,784 |
| Return on Equity (ROE) | 6.9752% | 3,634 |
| Retained earnings to average equity (ytd only) | 6.9752% | 1,787 |
| Net charge-offs to loans | 0.1428% | 2,245 |
| Credit loss provision to net charge-offs | 1,273.6842% | 275 |
| Earnings coverage of net charge-offs (x) | 28.2105% | 1,308 |
| Efficiency ratio | 47.7583% | 6,300 |
| Assets per employee ($millions) | 7.5376% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6512% | 571 |
| Loan loss allowance to noncurrent loans | 158.6517% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.0215% | 3,027 |
| Noncurrent loans to loans | 1.6711% | 2,076 |
| Net loans and leases to total assets | 42.9893% | 5,606 |
| Net loans and leases to deposits | 49.9441% | 5,639 |
| Net loans and leases to core deposits | 53.2869% | 5,598 |
| Total domestic deposits to total assets | 86.0749% | 3,002 |
| Equity capital to assets | 13.1623% | 1,285 |
| Core capital (leverage) ratio | 12.8854% | 1,203 |
| Tier 1 risk-based capital ratio | 25.0541% | 868 |
| Total risk-based capital ratio | 26.2970% | 852 |
| Memoranda: | ||
| Average total assets | $58,915,670 | 5,690 |
| Average earning assets | $53,481,670 | 5,701 |
| Average equity | $7,741,670 | 5,330 |
| Average total loans | $26,608,670 | 5,817 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8560% | 4,265 |
| Cost of funding earning assets | 0.5262% | 2,643 |
| Net interest margin | 3.3299% | 4,424 |
| Noninterest income to average assets | 0.4672% | 3,656 |
| Noninterest expense to average assets | 1.7038% | 6,344 |
| Loan and lease loss provision to assets | 0.2405% | 916 |
| Net operating income to assets | 1.1373% | 1,675 |
| Return on assets (ROA) | 1.1473% | 1,707 |
| Pretax return on assets | 1.5801% | 1,214 |
| Return on Equity (ROE) | 8.7389% | 2,579 |
| Retained earnings to average equity (ytd only) | 8.7389% | 1,333 |
| Net charge-offs to loans | 0.1654% | 1,728 |
| Credit loss provision to net charge-offs | 318.1818% | 766 |
| Earnings coverage of net charge-offs (x) | 23.9091% | 1,207 |
| Efficiency ratio | 48.5323% | 6,333 |
| Assets per employee ($millions) | 7.4223% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9013% | 1,747 |
| Loan loss allowance to noncurrent loans | 143.2203% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 3,515 |
| Noncurrent loans to loans | 1.3275% | 2,815 |
| Net loans and leases to total assets | 44.0550% | 5,508 |
| Net loans and leases to deposits | 51.1647% | 5,508 |
| Net loans and leases to core deposits | 54.9374% | 5,441 |
| Total domestic deposits to total assets | 86.1043% | 3,309 |
| Equity capital to assets | 13.0907% | 1,268 |
| Core capital (leverage) ratio | 12.8070% | 1,242 |
| Tier 1 risk-based capital ratio | 25.5486% | 828 |
| Total risk-based capital ratio | 26.7957% | 815 |
| Memoranda: | ||
| Average total assets | $58,223,000 | 5,760 |
| Average earning assets | $53,215,500 | 5,755 |
| Average equity | $7,644,000 | 5,381 |
| Average total loans | $26,598,500 | 5,870 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7341% | 5,024 |
| Cost of funding earning assets | 0.5903% | 2,754 |
| Net interest margin | 3.1438% | 5,184 |
| Noninterest income to average assets | 0.5126% | 3,681 |
| Noninterest expense to average assets | 1.7569% | 6,382 |
| Loan and lease loss provision to assets | 0.1922% | 1,923 |
| Net operating income to assets | 1.0471% | 2,129 |
| Return on assets (ROA) | 1.0471% | 2,200 |
| Pretax return on assets | 1.4551% | 1,601 |
| Return on Equity (ROE) | 8.4023% | 2,828 |
| Retained earnings to average equity (ytd only) | 8.4023% | 930 |
| Net charge-offs to loans | 0.1204% | 3,606 |
| Credit loss provision to net charge-offs | 367.7419% | 624 |
| Earnings coverage of net charge-offs (x) | 31.5161% | 1,134 |
| Efficiency ratio | 51.6097% | 6,328 |
| Assets per employee ($millions) | 7.1335% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8205% | 2,000 |
| Loan loss allowance to noncurrent loans | 198.7654% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 4,973 |
| Noncurrent loans to loans | 0.9159% | 3,694 |
| Net loans and leases to total assets | 45.6438% | 5,524 |
| Net loans and leases to deposits | 52.9194% | 5,554 |
| Net loans and leases to core deposits | 56.9679% | 5,461 |
| Total domestic deposits to total assets | 86.2515% | 3,134 |
| Equity capital to assets | 13.1685% | 1,204 |
| Core capital (leverage) ratio | 12.6855% | 1,261 |
| Tier 1 risk-based capital ratio | 25.8146% | 785 |
| Total risk-based capital ratio | 27.0610% | 769 |
| Memoranda: | ||
| Average total assets | $59,309,400 | 5,775 |
| Average earning assets | $54,551,600 | 5,745 |
| Average equity | $7,390,800 | 5,476 |
| Average total loans | $25,750,400 | 5,945 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 5,337 |
| Cost of funding earning assets | 0.5994% | 2,813 |
| Net interest margin | 3.0384% | 5,492 |
| Noninterest income to average assets | 0.5211% | 3,667 |
| Noninterest expense to average assets | 1.6613% | 6,508 |
| Loan and lease loss provision to assets | 0.1269% | 2,707 |
| Net operating income to assets | 1.1224% | 1,922 |
| Return on assets (ROA) | 1.1224% | 1,994 |
| Pretax return on assets | 1.5210% | 1,543 |
| Return on Equity (ROE) | 9.1305% | 2,576 |
| Retained earnings to average equity (ytd only) | 9.1305% | 1,022 |
| Net charge-offs to loans | -0.1252% | 6,551 |
| Credit loss provision to net charge-offs | -237.5000% | 5,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2019% | 6,387 |
| Assets per employee ($millions) | 7.1750% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 2,149 |
| Loan loss allowance to noncurrent loans | 125.2604% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 4,438 |
| Noncurrent loans to loans | 1.4750% | 2,952 |
| Net loans and leases to total assets | 44.5174% | 5,682 |
| Net loans and leases to deposits | 51.5005% | 5,749 |
| Net loans and leases to core deposits | 55.3983% | 5,675 |
| Total domestic deposits to total assets | 86.4408% | 2,997 |
| Equity capital to assets | 12.9059% | 1,371 |
| Core capital (leverage) ratio | 12.6588% | 1,344 |
| Tier 1 risk-based capital ratio | 25.5727% | 822 |
| Total risk-based capital ratio | 26.8347% | 808 |
| Memoranda: | ||
| Average total assets | $59,869,750 | 5,824 |
| Average earning assets | $54,939,750 | 5,795 |
| Average equity | $7,359,750 | 5,547 |
| Average total loans | $25,555,250 | 6,010 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5235% | 5,647 |
| Cost of funding earning assets | 0.6023% | 2,915 |
| Net interest margin | 2.9213% | 5,746 |
| Noninterest income to average assets | 0.4976% | 3,856 |
| Noninterest expense to average assets | 1.6542% | 6,547 |
| Loan and lease loss provision to assets | 0.0956% | 3,198 |
| Net operating income to assets | 1.0347% | 2,182 |
| Return on assets (ROA) | 1.0347% | 2,298 |
| Pretax return on assets | 1.4170% | 1,872 |
| Return on Equity (ROE) | 8.5516% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.5516% | 1,269 |
| Net charge-offs to loans | -0.1575% | 6,604 |
| Credit loss provision to net charge-offs | -145.0000% | 5,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2373% | 6,268 |
| Assets per employee ($millions) | 7.5065% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7391% | 2,626 |
| Loan loss allowance to noncurrent loans | 113.9594% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 4,588 |
| Noncurrent loans to loans | 1.5261% | 3,014 |
| Net loans and leases to total assets | 42.2451% | 5,881 |
| Net loans and leases to deposits | 48.4483% | 5,953 |
| Net loans and leases to core deposits | 51.8974% | 5,895 |
| Total domestic deposits to total assets | 87.1961% | 2,710 |
| Equity capital to assets | 12.0812% | 1,862 |
| Core capital (leverage) ratio | 12.1509% | 1,534 |
| Tier 1 risk-based capital ratio | 24.8915% | 887 |
| Total risk-based capital ratio | 26.0460% | 882 |
| Memoranda: | ||
| Average total assets | $60,693,000 | 5,842 |
| Average earning assets | $55,455,670 | 5,807 |
| Average equity | $7,343,670 | 5,594 |
| Average total loans | $25,395,670 | 6,050 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4771% | 5,763 |
| Cost of funding earning assets | 0.6209% | 2,916 |
| Net interest margin | 2.8562% | 5,897 |
| Noninterest income to average assets | 0.4655% | 4,020 |
| Noninterest expense to average assets | 1.4816% | 6,758 |
| Loan and lease loss provision to assets | 0.1442% | 2,435 |
| Net operating income to assets | 1.0555% | 2,014 |
| Return on assets (ROA) | 1.0555% | 2,127 |
| Pretax return on assets | 1.4030% | 1,843 |
| Return on Equity (ROE) | 8.7168% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.7168% | 1,483 |
| Net charge-offs to loans | -0.1588% | 6,620 |
| Credit loss provision to net charge-offs | -220.0000% | 5,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9177% | 6,573 |
| Assets per employee ($millions) | 7.8845% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 2,939 |
| Loan loss allowance to noncurrent loans | 73.9726% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9259% | 4,079 |
| Noncurrent loans to loans | 2.3200% | 2,257 |
| Net loans and leases to total assets | 39.2225% | 6,061 |
| Net loans and leases to deposits | 44.9516% | 6,126 |
| Net loans and leases to core deposits | 47.9913% | 6,096 |
| Total domestic deposits to total assets | 87.2551% | 2,789 |
| Equity capital to assets | 11.7905% | 2,184 |
| Core capital (leverage) ratio | 11.6583% | 1,777 |
| Tier 1 risk-based capital ratio | 24.1792% | 993 |
| Total risk-based capital ratio | 25.2973% | 988 |
| Memoranda: | ||
| Average total assets | $61,013,500 | 5,887 |
| Average earning assets | $54,757,500 | 5,883 |
| Average equity | $7,388,000 | 5,643 |
| Average total loans | $25,184,500 | 6,112 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8058% | 5,812 |
| Cost of funding earning assets | 0.7370% | 3,192 |
| Net interest margin | 3.0687% | 5,887 |
| Noninterest income to average assets | 0.5018% | 3,884 |
| Noninterest expense to average assets | 1.7835% | 6,643 |
| Loan and lease loss provision to assets | 0.1502% | 3,728 |
| Net operating income to assets | 0.9981% | 2,341 |
| Return on assets (ROA) | 1.0172% | 2,481 |
| Pretax return on assets | 1.4592% | 1,820 |
| Return on Equity (ROE) | 8.5627% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.5627% | 945 |
| Net charge-offs to loans | 1.2553% | 786 |
| Credit loss provision to net charge-offs | 28.0255% | 5,154 |
| Earnings coverage of net charge-offs (x) | 2.9522% | 3,951 |
| Efficiency ratio | 52.9919% | 6,372 |
| Assets per employee ($millions) | 6.5501% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 3,374 |
| Loan loss allowance to noncurrent loans | 80.9717% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 4,381 |
| Noncurrent loans to loans | 1.9606% | 2,732 |
| Net loans and leases to total assets | 42.0637% | 5,999 |
| Net loans and leases to deposits | 48.5663% | 6,066 |
| Net loans and leases to core deposits | 51.8343% | 6,026 |
| Total domestic deposits to total assets | 86.6109% | 3,036 |
| Equity capital to assets | 12.4493% | 1,749 |
| Core capital (leverage) ratio | 11.6340% | 1,780 |
| Tier 1 risk-based capital ratio | 24.4296% | 917 |
| Total risk-based capital ratio | 25.5870% | 907 |
| Memoranda: | ||
| Average total assets | $58,592,400 | 5,953 |
| Average earning assets | $54,680,400 | 5,904 |
| Average equity | $6,960,400 | 5,777 |
| Average total loans | $25,014,000 | 6,193 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 5,805 |
| Cost of funding earning assets | 0.7552% | 3,306 |
| Net interest margin | 3.1375% | 5,846 |
| Noninterest income to average assets | 0.5037% | 3,904 |
| Noninterest expense to average assets | 1.8118% | 6,669 |
| Loan and lease loss provision to assets | 0.1322% | 3,896 |
| Net operating income to assets | 1.0681% | 2,226 |
| Return on assets (ROA) | 1.0939% | 2,310 |
| Pretax return on assets | 1.5406% | 1,751 |
| Return on Equity (ROE) | 9.3213% | 2,665 |
| Retained earnings to average equity (ytd only) | 9.3213% | 1,119 |
| Net charge-offs to loans | 1.7034% | 478 |
| Credit loss provision to net charge-offs | 18.1818% | 4,982 |
| Earnings coverage of net charge-offs (x) | 2.2508% | 4,137 |
| Efficiency ratio | 52.5446% | 6,398 |
| Assets per employee ($millions) | 6.3811% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 4,096 |
| Loan loss allowance to noncurrent loans | 82.7664% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.7679% | 4,786 |
| Noncurrent loans to loans | 1.7689% | 3,128 |
| Net loans and leases to total assets | 42.7756% | 6,060 |
| Net loans and leases to deposits | 49.5063% | 6,148 |
| Net loans and leases to core deposits | 53.2354% | 6,099 |
| Total domestic deposits to total assets | 86.4043% | 3,036 |
| Equity capital to assets | 12.5683% | 1,849 |
| Core capital (leverage) ratio | 11.3596% | 2,085 |
| Tier 1 risk-based capital ratio | 24.3667% | 972 |
| Total risk-based capital ratio | 25.5304% | 965 |
| Memoranda: | ||
| Average total assets | $58,502,750 | 6,029 |
| Average earning assets | $54,904,750 | 5,966 |
| Average equity | $6,865,750 | 5,865 |
| Average total loans | $24,968,250 | 6,282 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8619% | 6,005 |
| Cost of funding earning assets | 0.7666% | 3,469 |
| Net interest margin | 3.0953% | 6,024 |
| Noninterest income to average assets | 0.4757% | 4,090 |
| Noninterest expense to average assets | 1.7975% | 6,752 |
| Loan and lease loss provision to assets | 0.1019% | 4,247 |
| Net operating income to assets | 1.0194% | 2,383 |
| Return on assets (ROA) | 1.0194% | 2,608 |
| Pretax return on assets | 1.4713% | 1,952 |
| Return on Equity (ROE) | 8.8911% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.8911% | 1,312 |
| Net charge-offs to loans | 2.4819% | 286 |
| Credit loss provision to net charge-offs | 9.6774% | 4,743 |
| Earnings coverage of net charge-offs (x) | 1.4935% | 4,245 |
| Efficiency ratio | 53.3266% | 6,383 |
| Assets per employee ($millions) | 6.5638% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 4,474 |
| Loan loss allowance to noncurrent loans | 141.2245% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 5,744 |
| Noncurrent loans to loans | 0.9906% | 4,522 |
| Net loans and leases to total assets | 41.2821% | 6,252 |
| Net loans and leases to deposits | 47.6690% | 6,330 |
| Net loans and leases to core deposits | 51.1311% | 6,290 |
| Total domestic deposits to total assets | 86.6016% | 3,009 |
| Equity capital to assets | 11.7920% | 2,324 |
| Core capital (leverage) ratio | 11.0223% | 2,272 |
| Tier 1 risk-based capital ratio | 23.3481% | 1,089 |
| Total risk-based capital ratio | 24.4875% | 1,087 |
| Memoranda: | ||
| Average total assets | $58,860,330 | 6,052 |
| Average earning assets | $55,051,330 | 5,997 |
| Average equity | $6,748,330 | 5,914 |
| Average total loans | $24,980,670 | 6,321 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9952% | 5,768 |
| Cost of funding earning assets | 0.7844% | 3,589 |
| Net interest margin | 3.2108% | 5,755 |
| Noninterest income to average assets | 0.4630% | 4,202 |
| Noninterest expense to average assets | 1.8790% | 6,680 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1165% | 2,005 |
| Return on assets (ROA) | 1.1165% | 2,190 |
| Pretax return on assets | 1.5659% | 1,684 |
| Return on Equity (ROE) | 9.8803% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.8803% | 1,295 |
| Net charge-offs to loans | 1.6093% | 613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.2772% | 3,257 |
| Efficiency ratio | 54.5455% | 6,290 |
| Assets per employee ($millions) | 6.7783% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1320% | 2,020 |
| Loan loss allowance to noncurrent loans | 198.8636% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 5,781 |
| Noncurrent loans to loans | 1.0721% | 4,555 |
| Net loans and leases to total assets | 39.5050% | 6,386 |
| Net loans and leases to deposits | 44.8289% | 6,508 |
| Net loans and leases to core deposits | 47.8982% | 6,464 |
| Total domestic deposits to total assets | 88.1239% | 2,233 |
| Equity capital to assets | 11.0368% | 2,861 |
| Core capital (leverage) ratio | 10.7967% | 2,443 |
| Tier 1 risk-based capital ratio | 22.3279% | 1,234 |
| Total risk-based capital ratio | 23.4342% | 1,228 |
| Memoranda: | ||
| Average total assets | $58,753,500 | 6,099 |
| Average earning assets | $54,566,000 | 6,050 |
| Average equity | $6,639,500 | 5,986 |
| Average total loans | $25,104,500 | 6,364 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 4,602 |
| Cost of funding earning assets | 0.9782% | 3,520 |
| Net interest margin | 3.6393% | 4,569 |
| Noninterest income to average assets | 0.5286% | 3,658 |
| Noninterest expense to average assets | 2.0244% | 6,635 |
| Loan and lease loss provision to assets | 0.2580% | 3,629 |
| Net operating income to assets | 1.0403% | 2,041 |
| Return on assets (ROA) | 1.0934% | 1,973 |
| Pretax return on assets | 1.7862% | 826 |
| Return on Equity (ROE) | 9.8642% | 2,106 |
| Retained earnings to average equity (ytd only) | 9.8642% | 598 |
| Net charge-offs to loans | 0.0079% | 6,320 |
| Credit loss provision to net charge-offs | 7,150.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 543.5000% | 59 |
| Efficiency ratio | 50.7922% | 6,790 |
| Assets per employee ($millions) | 6.2780% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4468% | 1,385 |
| Loan loss allowance to noncurrent loans | 321.0256% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 6,110 |
| Noncurrent loans to loans | 0.7622% | 5,168 |
| Net loans and leases to total assets | 44.1719% | 6,197 |
| Net loans and leases to deposits | 50.3551% | 6,334 |
| Net loans and leases to core deposits | 52.9500% | 6,370 |
| Total domestic deposits to total assets | 87.7208% | 2,322 |
| Equity capital to assets | 11.5854% | 2,440 |
| Core capital (leverage) ratio | 11.0444% | 2,241 |
| Tier 1 risk-based capital ratio | 21.9953% | 1,238 |
| Total risk-based capital ratio | 23.1622% | 1,219 |
| Memoranda: | ||
| Average total assets | $55,424,800 | 6,186 |
| Average earning assets | $52,647,600 | 6,099 |
| Average equity | $6,143,400 | 6,116 |
| Average total loans | $25,228,000 | 6,406 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7127% | 4,397 |
| Cost of funding earning assets | 1.0135% | 3,585 |
| Net interest margin | 3.6992% | 4,335 |
| Noninterest income to average assets | 0.5415% | 3,574 |
| Noninterest expense to average assets | 2.0837% | 6,525 |
| Loan and lease loss provision to assets | 0.1523% | 4,552 |
| Net operating income to assets | 1.1786% | 1,716 |
| Return on assets (ROA) | 1.2498% | 1,620 |
| Pretax return on assets | 1.9460% | 699 |
| Return on Equity (ROE) | 11.4074% | 1,718 |
| Retained earnings to average equity (ytd only) | 11.4074% | 565 |
| Net charge-offs to loans | -0.0424% | 7,020 |
| Credit loss provision to net charge-offs | -787.5000% | 6,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1876% | 6,756 |
| Assets per employee ($millions) | 6.1320% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1200% | 2,023 |
| Loan loss allowance to noncurrent loans | 3,088.8889% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 6,974 |
| Noncurrent loans to loans | 0.0686% | 6,756 |
| Net loans and leases to total assets | 46.5155% | 6,103 |
| Net loans and leases to deposits | 53.3080% | 6,268 |
| Net loans and leases to core deposits | 55.8223% | 6,331 |
| Total domestic deposits to total assets | 87.2581% | 2,487 |
| Equity capital to assets | 11.7417% | 2,457 |
| Core capital (leverage) ratio | 10.9062% | 2,469 |
| Tier 1 risk-based capital ratio | 21.4487% | 1,375 |
| Total risk-based capital ratio | 22.6288% | 1,361 |
| Memoranda: | ||
| Average total assets | $55,155,500 | 6,239 |
| Average earning assets | $52,622,250 | 6,147 |
| Average equity | $6,042,750 | 6,191 |
| Average total loans | $25,139,000 | 6,471 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 4,590 |
| Cost of funding earning assets | 1.0345% | 3,711 |
| Net interest margin | 3.6528% | 4,509 |
| Noninterest income to average assets | 0.5186% | 3,715 |
| Noninterest expense to average assets | 2.0854% | 6,627 |
| Loan and lease loss provision to assets | 0.0725% | 5,400 |
| Net operating income to assets | 1.2173% | 1,522 |
| Return on assets (ROA) | 1.3274% | 1,332 |
| Pretax return on assets | 2.0238% | 564 |
| Return on Equity (ROE) | 12.4131% | 1,373 |
| Retained earnings to average equity (ytd only) | 12.4131% | 467 |
| Net charge-offs to loans | -0.0807% | 7,116 |
| Credit loss provision to net charge-offs | -200.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9422% | 6,789 |
| Assets per employee ($millions) | 6.1880% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0131% | 2,331 |
| Loan loss allowance to noncurrent loans | 919.6429% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 6,780 |
| Noncurrent loans to loans | 0.2189% | 6,467 |
| Net loans and leases to total assets | 45.0119% | 6,351 |
| Net loans and leases to deposits | 52.8850% | 6,407 |
| Net loans and leases to core deposits | 54.7324% | 6,512 |
| Total domestic deposits to total assets | 85.1128% | 3,830 |
| Equity capital to assets | 11.1488% | 2,814 |
| Core capital (leverage) ratio | 10.5776% | 2,634 |
| Tier 1 risk-based capital ratio | 21.0503% | 1,407 |
| Total risk-based capital ratio | 22.2133% | 1,403 |
| Memoranda: | ||
| Average total assets | $55,144,670 | 6,289 |
| Average earning assets | $52,781,670 | 6,192 |
| Average equity | $5,897,000 | 6,262 |
| Average total loans | $24,776,330 | 6,549 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6757% | 4,629 |
| Cost of funding earning assets | 1.0644% | 3,754 |
| Net interest margin | 3.6113% | 4,521 |
| Noninterest income to average assets | 0.5249% | 3,695 |
| Noninterest expense to average assets | 2.0120% | 6,815 |
| Loan and lease loss provision to assets | 0.1458% | 4,187 |
| Net operating income to assets | 1.1299% | 1,738 |
| Return on assets (ROA) | 1.1299% | 1,783 |
| Pretax return on assets | 1.8297% | 774 |
| Return on Equity (ROE) | 10.7995% | 1,806 |
| Retained earnings to average equity (ytd only) | 10.7995% | 938 |
| Net charge-offs to loans | -0.1805% | 7,243 |
| Credit loss provision to net charge-offs | -181.8182% | 5,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4570% | 6,955 |
| Assets per employee ($millions) | 6.2810% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1299% | 2,118 |
| Loan loss allowance to noncurrent loans | 25,800.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 7,102 |
| Noncurrent loans to loans | 0.0083% | 7,064 |
| Net loans and leases to total assets | 41.9448% | 6,620 |
| Net loans and leases to deposits | 47.2114% | 6,782 |
| Net loans and leases to core deposits | 48.7620% | 6,843 |
| Total domestic deposits to total assets | 88.8447% | 1,871 |
| Equity capital to assets | 10.3964% | 3,286 |
| Core capital (leverage) ratio | 10.1595% | 2,962 |
| Tier 1 risk-based capital ratio | 20.8021% | 1,432 |
| Total risk-based capital ratio | 21.9427% | 1,424 |
| Memoranda: | ||
| Average total assets | $54,871,000 | 6,349 |
| Average earning assets | $52,613,000 | 6,250 |
| Average equity | $5,741,000 | 6,328 |
| Average total loans | $24,373,000 | 6,622 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 5,067 |
| Cost of funding earning assets | 1.3420% | 3,634 |
| Net interest margin | 3.5510% | 5,034 |
| Noninterest income to average assets | 0.6160% | 3,372 |
| Noninterest expense to average assets | 2.2025% | 6,604 |
| Loan and lease loss provision to assets | 0.1143% | 6,017 |
| Net operating income to assets | 1.0319% | 1,930 |
| Return on assets (ROA) | 1.0654% | 1,910 |
| Pretax return on assets | 1.7395% | 872 |
| Return on Equity (ROE) | 9.9753% | 1,934 |
| Retained earnings to average equity (ytd only) | 9.9753% | 530 |
| Net charge-offs to loans | 0.2436% | 4,826 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 15.7627% | 1,261 |
| Efficiency ratio | 55.0073% | 6,711 |
| Assets per employee ($millions) | 5.9126% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 2,361 |
| Loan loss allowance to noncurrent loans | 2,852.9412% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 7,079 |
| Noncurrent loans to loans | 0.0693% | 6,953 |
| Net loans and leases to total assets | 45.1657% | 6,625 |
| Net loans and leases to deposits | 50.7646% | 6,815 |
| Net loans and leases to core deposits | 52.5310% | 6,878 |
| Total domestic deposits to total assets | 88.9707% | 1,679 |
| Equity capital to assets | 10.5331% | 3,127 |
| Core capital (leverage) ratio | 10.2902% | 2,778 |
| Tier 1 risk-based capital ratio | 20.4701% | 1,407 |
| Total risk-based capital ratio | 21.6245% | 1,399 |
| Memoranda: | ||
| Average total assets | $51,622,800 | 6,476 |
| Average earning assets | $49,254,200 | 6,399 |
| Average equity | $5,513,600 | 6,501 |
| Average total loans | $24,224,800 | 6,718 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9239% | 5,154 |
| Cost of funding earning assets | 1.3818% | 3,695 |
| Net interest margin | 3.5420% | 5,133 |
| Noninterest income to average assets | 0.6377% | 3,202 |
| Noninterest expense to average assets | 2.0979% | 6,852 |
| Loan and lease loss provision to assets | 0.1536% | 5,504 |
| Net operating income to assets | 1.1081% | 1,858 |
| Return on assets (ROA) | 1.1530% | 1,823 |
| Pretax return on assets | 1.8324% | 867 |
| Return on Equity (ROE) | 10.7572% | 1,862 |
| Retained earnings to average equity (ytd only) | 10.7572% | 640 |
| Net charge-offs to loans | 0.2264% | 4,575 |
| Credit loss provision to net charge-offs | 143.9024% | 2,731 |
| Earnings coverage of net charge-offs (x) | 17.9497% | 1,294 |
| Efficiency ratio | 52.2698% | 6,952 |
| Assets per employee ($millions) | 5.8602% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9950% | 2,235 |
| Loan loss allowance to noncurrent loans | 2,515.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 7,182 |
| Noncurrent loans to loans | 0.0793% | 7,043 |
| Net loans and leases to total assets | 46.8507% | 6,629 |
| Net loans and leases to deposits | 53.2486% | 6,820 |
| Net loans and leases to core deposits | 55.1353% | 6,906 |
| Total domestic deposits to total assets | 87.9849% | 1,968 |
| Equity capital to assets | 10.9818% | 2,980 |
| Core capital (leverage) ratio | 10.3002% | 2,920 |
| Tier 1 risk-based capital ratio | 19.9955% | 1,552 |
| Total risk-based capital ratio | 21.1797% | 1,532 |
| Memoranda: | ||
| Average total assets | $51,225,250 | 6,565 |
| Average earning assets | $48,822,250 | 6,478 |
| Average equity | $5,490,750 | 6,592 |
| Average total loans | $24,151,250 | 6,811 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8735% | 5,513 |
| Cost of funding earning assets | 1.4090% | 3,818 |
| Net interest margin | 3.4645% | 5,390 |
| Noninterest income to average assets | 0.6349% | 3,096 |
| Noninterest expense to average assets | 2.0465% | 7,026 |
| Loan and lease loss provision to assets | 0.1065% | 5,852 |
| Net operating income to assets | 1.1306% | 1,755 |
| Return on assets (ROA) | 1.1987% | 1,636 |
| Pretax return on assets | 1.8849% | 761 |
| Return on Equity (ROE) | 11.2795% | 1,659 |
| Retained earnings to average equity (ytd only) | 11.2795% | 600 |
| Net charge-offs to loans | 0.2353% | 4,194 |
| Credit loss provision to net charge-offs | 96.4286% | 4,227 |
| Earnings coverage of net charge-offs (x) | 17.0714% | 1,367 |
| Efficiency ratio | 52.0562% | 7,062 |
| Assets per employee ($millions) | 5.6843% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9683% | 2,259 |
| Loan loss allowance to noncurrent loans | 300.6211% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 6,567 |
| Noncurrent loans to loans | 0.6547% | 5,944 |
| Net loans and leases to total assets | 47.1198% | 6,697 |
| Net loans and leases to deposits | 55.3677% | 6,772 |
| Net loans and leases to core deposits | 57.1137% | 6,883 |
| Total domestic deposits to total assets | 85.1033% | 3,574 |
| Equity capital to assets | 10.8231% | 3,055 |
| Core capital (leverage) ratio | 10.2347% | 2,907 |
| Tier 1 risk-based capital ratio | 20.2067% | 1,481 |
| Total risk-based capital ratio | 21.4043% | 1,458 |
| Memoranda: | ||
| Average total assets | $50,719,670 | 6,626 |
| Average earning assets | $48,261,330 | 6,541 |
| Average equity | $5,390,330 | 6,651 |
| Average total loans | $23,797,330 | 6,877 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 5,789 |
| Cost of funding earning assets | 1.4382% | 3,943 |
| Net interest margin | 3.3864% | 5,633 |
| Noninterest income to average assets | 0.6653% | 2,850 |
| Noninterest expense to average assets | 2.1228% | 6,879 |
| Loan and lease loss provision to assets | 0.1030% | 5,596 |
| Net operating income to assets | 1.0297% | 2,069 |
| Return on assets (ROA) | 1.1564% | 1,737 |
| Pretax return on assets | 1.8455% | 816 |
| Return on Equity (ROE) | 10.9836% | 1,795 |
| Retained earnings to average equity (ytd only) | 10.9836% | 927 |
| Net charge-offs to loans | -0.1538% | 7,620 |
| Credit loss provision to net charge-offs | -144.4444% | 6,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8057% | 6,905 |
| Assets per employee ($millions) | 5.7712% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1784% | 1,798 |
| Loan loss allowance to noncurrent loans | 440.8696% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 6,845 |
| Noncurrent loans to loans | 0.4941% | 6,310 |
| Net loans and leases to total assets | 43.8324% | 7,008 |
| Net loans and leases to deposits | 49.3754% | 7,160 |
| Net loans and leases to core deposits | 50.9466% | 7,244 |
| Total domestic deposits to total assets | 88.7738% | 1,631 |
| Equity capital to assets | 10.3733% | 3,374 |
| Core capital (leverage) ratio | 10.0002% | 3,160 |
| Tier 1 risk-based capital ratio | 19.8702% | 1,547 |
| Total risk-based capital ratio | 21.0216% | 1,533 |
| Memoranda: | ||
| Average total assets | $50,500,000 | 6,719 |
| Average earning assets | $47,839,000 | 6,634 |
| Average equity | $5,317,000 | 6,734 |
| Average total loans | $23,401,000 | 6,975 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 5,779 |
| Cost of funding earning assets | 1.7181% | 4,414 |
| Net interest margin | 3.4535% | 5,158 |
| Noninterest income to average assets | 0.5814% | 3,773 |
| Noninterest expense to average assets | 2.2594% | 6,848 |
| Loan and lease loss provision to assets | 0.1159% | 6,487 |
| Net operating income to assets | 1.0779% | 1,572 |
| Return on assets (ROA) | 1.0883% | 1,589 |
| Pretax return on assets | 1.5104% | 1,166 |
| Return on Equity (ROE) | 10.7194% | 1,498 |
| Retained earnings to average equity (ytd only) | 10.7194% | 302 |
| Net charge-offs to loans | 0.0922% | 6,204 |
| Credit loss provision to net charge-offs | 266.6667% | 1,310 |
| Earnings coverage of net charge-offs (x) | 37.0952% | 641 |
| Efficiency ratio | 58.3645% | 6,710 |
| Assets per employee ($millions) | 5.4510% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0614% | 1,885 |
| Loan loss allowance to noncurrent loans | 1,515.6250% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 7,262 |
| Noncurrent loans to loans | 0.1360% | 7,088 |
| Net loans and leases to total assets | 46.9700% | 6,899 |
| Net loans and leases to deposits | 53.0871% | 7,105 |
| Net loans and leases to core deposits | 73.5845% | 6,558 |
| Total domestic deposits to total assets | 88.4771% | 1,742 |
| Equity capital to assets | 10.6932% | 2,972 |
| Core capital (leverage) ratio | 10.3161% | 2,774 |
| Tier 1 risk-based capital ratio | 19.9934% | 1,465 |
| Total risk-based capital ratio | 21.1990% | 1,436 |
| Memoranda: | ||
| Average total assets | $48,331,600 | 6,777 |
| Average earning assets | $46,040,000 | 6,682 |
| Average equity | $4,907,000 | 6,978 |
| Average total loans | $22,766,400 | 7,040 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2078% | 5,845 |
| Cost of funding earning assets | 1.7679% | 4,536 |
| Net interest margin | 3.4399% | 5,114 |
| Noninterest income to average assets | 0.5649% | 3,972 |
| Noninterest expense to average assets | 2.0657% | 7,253 |
| Loan and lease loss provision to assets | 0.0914% | 6,453 |
| Net operating income to assets | 1.2565% | 1,328 |
| Return on assets (ROA) | 1.2710% | 1,357 |
| Pretax return on assets | 1.7030% | 971 |
| Return on Equity (ROE) | 12.6908% | 1,180 |
| Retained earnings to average equity (ytd only) | 12.6908% | 285 |
| Net charge-offs to loans | 0.1595% | 5,113 |
| Credit loss provision to net charge-offs | 122.2222% | 4,147 |
| Earnings coverage of net charge-offs (x) | 23.7403% | 1,108 |
| Efficiency ratio | 53.7851% | 7,259 |
| Assets per employee ($millions) | 5.2016% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9679% | 1,871 |
| Loan loss allowance to noncurrent loans | 723.8095% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 7,066 |
| Noncurrent loans to loans | 0.2719% | 6,833 |
| Net loans and leases to total assets | 48.5239% | 6,907 |
| Net loans and leases to deposits | 55.2943% | 7,135 |
| Net loans and leases to core deposits | 77.4101% | 6,535 |
| Total domestic deposits to total assets | 87.7558% | 1,774 |
| Equity capital to assets | 11.1249% | 2,901 |
| Core capital (leverage) ratio | 10.3505% | 2,926 |
| Tier 1 risk-based capital ratio | 20.5435% | 1,446 |
| Total risk-based capital ratio | 21.7783% | 1,406 |
| Memoranda: | ||
| Average total assets | $48,149,750 | 6,830 |
| Average earning assets | $45,852,750 | 6,744 |
| Average equity | $4,822,250 | 7,071 |
| Average total loans | $22,576,000 | 7,121 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1058% | 6,412 |
| Cost of funding earning assets | 1.7911% | 4,803 |
| Net interest margin | 3.3147% | 5,497 |
| Noninterest income to average assets | 0.5021% | 4,425 |
| Noninterest expense to average assets | 1.7862% | 7,760 |
| Loan and lease loss provision to assets | 0.0288% | 6,956 |
| Net operating income to assets | 1.3859% | 1,052 |
| Return on assets (ROA) | 1.4076% | 1,080 |
| Pretax return on assets | 1.8767% | 728 |
| Return on Equity (ROE) | 14.5728% | 891 |
| Retained earnings to average equity (ytd only) | 14.5728% | 226 |
| Net charge-offs to loans | 0.1430% | 4,742 |
| Credit loss provision to net charge-offs | 43.7500% | 5,845 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,034 |
| Efficiency ratio | 48.7640% | 7,727 |
| Assets per employee ($millions) | 5.6566% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9399% | 1,696 |
| Loan loss allowance to noncurrent loans | 722.9508% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 7,129 |
| Noncurrent loans to loans | 0.2683% | 6,856 |
| Net loans and leases to total assets | 43.7879% | 7,346 |
| Net loans and leases to deposits | 48.8956% | 7,527 |
| Net loans and leases to core deposits | 65.1166% | 7,248 |
| Total domestic deposits to total assets | 89.5539% | 1,022 |
| Equity capital to assets | 9.5700% | 4,526 |
| Core capital (leverage) ratio | 10.0516% | 3,241 |
| Tier 1 risk-based capital ratio | 19.4987% | 1,676 |
| Total risk-based capital ratio | 20.6792% | 1,655 |
| Memoranda: | ||
| Average total assets | $48,595,000 | 6,885 |
| Average earning assets | $46,339,670 | 6,783 |
| Average equity | $4,693,670 | 7,176 |
| Average total loans | $22,377,330 | 7,189 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0198% | 6,882 |
| Cost of funding earning assets | 1.8650% | 4,809 |
| Net interest margin | 3.1548% | 5,996 |
| Noninterest income to average assets | 0.5397% | 3,997 |
| Noninterest expense to average assets | 1.6358% | 7,880 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4898% | 959 |
| Return on assets (ROA) | 1.5346% | 953 |
| Pretax return on assets | 2.0153% | 652 |
| Return on Equity (ROE) | 15.8106% | 851 |
| Retained earnings to average equity (ytd only) | 15.8106% | 353 |
| Net charge-offs to loans | -0.0541% | 7,716 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5399% | 7,865 |
| Assets per employee ($millions) | 5.2568% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0714% | 1,287 |
| Loan loss allowance to noncurrent loans | 120.1592% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 5,072 |
| Noncurrent loans to loans | 1.7239% | 3,676 |
| Net loans and leases to total assets | 45.2664% | 7,242 |
| Net loans and leases to deposits | 50.6948% | 7,466 |
| Net loans and leases to core deposits | 69.9207% | 7,023 |
| Total domestic deposits to total assets | 89.2921% | 1,102 |
| Equity capital to assets | 9.9427% | 4,060 |
| Core capital (leverage) ratio | 9.9567% | 3,447 |
| Tier 1 risk-based capital ratio | 19.6556% | 1,685 |
| Total risk-based capital ratio | 20.8397% | 1,651 |
| Memoranda: | ||
| Average total assets | $47,438,000 | 6,964 |
| Average earning assets | $45,898,000 | 6,845 |
| Average equity | $4,604,500 | 7,256 |
| Average total loans | $22,199,500 | 7,240 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0462% | 5,315 |
| Cost of funding earning assets | 2.5432% | 3,985 |
| Net interest margin | 3.5030% | 5,285 |
| Noninterest income to average assets | 0.5531% | 4,203 |
| Noninterest expense to average assets | 2.1544% | 7,105 |
| Loan and lease loss provision to assets | 0.7516% | 1,985 |
| Net operating income to assets | 0.8153% | 3,365 |
| Return on assets (ROA) | 0.8809% | 2,933 |
| Pretax return on assets | 0.9233% | 3,647 |
| Return on Equity (ROE) | 9.2780% | 2,537 |
| Retained earnings to average equity (ytd only) | 9.2780% | 561 |
| Net charge-offs to loans | 1.9749% | 547 |
| Credit loss provision to net charge-offs | 75.5605% | 5,980 |
| Earnings coverage of net charge-offs (x) | 1.6143% | 5,282 |
| Efficiency ratio | 57.2954% | 6,820 |
| Assets per employee ($millions) | 5.2850% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9973% | 1,228 |
| Loan loss allowance to noncurrent loans | 137.6147% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 4,998 |
| Noncurrent loans to loans | 1.4514% | 3,624 |
| Net loans and leases to total assets | 46.4207% | 7,289 |
| Net loans and leases to deposits | 51.6238% | 7,556 |
| Net loans and leases to core deposits | 69.9952% | 7,187 |
| Total domestic deposits to total assets | 89.9212% | 677 |
| Equity capital to assets | 9.4712% | 4,731 |
| Core capital (leverage) ratio | 9.8245% | 3,617 |
| Tier 1 risk-based capital ratio | 18.6342% | 1,884 |
| Total risk-based capital ratio | 19.8408% | 1,848 |
| Memoranda: | ||
| Average total assets | $44,838,600 | 6,996 |
| Average earning assets | $41,050,600 | 6,992 |
| Average equity | $4,257,400 | 7,412 |
| Average total loans | $22,583,200 | 7,160 |