Home > Community Bank of Georgia > Performance and Condition Ratios
Community Bank of Georgia, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0845% | 568 |
| Cost of funding earning assets | 1.3304% | 2,426 |
| Net interest margin | 4.7541% | 444 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.0714% | 3,469 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.7785% | 630 |
| Return on assets (ROA) | 1.7785% | 607 |
| Pretax return on assets | 2.5315% | 327 |
| Return on Equity (ROE) | 19.7800% | 633 |
| Retained earnings to average equity (ytd only) | 16.4349% | 246 |
| Net charge-offs to loans | 0.0110% | 2,238 |
| Credit loss provision to net charge-offs | 2,500.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 414.6667% | 341 |
| Efficiency ratio | 43.4674% | 4,265 |
| Assets per employee ($millions) | 10.1812% | 665 |
| Cash dividends to net income (ytd only)* | 16.8950% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4161% | 213 |
| Loan loss allowance to noncurrent loans | 274.7505% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 1,084 |
| Noncurrent loans to loans | 0.8794% | 863 |
| Net loans and leases to total assets | 57.4800% | 3,080 |
| Net loans and leases to deposits | 63.9820% | 3,291 |
| Net loans and leases to core deposits | 82.8216% | 2,536 |
| Total domestic deposits to total assets | 89.8400% | 804 |
| Equity capital to assets | 9.3562% | 2,448 |
| Core capital (leverage) ratio | 10.6506% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $184,709,000 | 3,092 |
| Average earning assets | $178,437,200 | 3,023 |
| Average equity | $16,611,000 | 3,127 |
| Average total loans | $109,271,800 | 3,074 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9763% | 548 |
| Cost of funding earning assets | 1.1872% | 2,467 |
| Net interest margin | 4.7890% | 415 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.0943% | 3,368 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.7831% | 690 |
| Return on assets (ROA) | 1.7831% | 678 |
| Pretax return on assets | 2.5399% | 367 |
| Return on Equity (ROE) | 20.0400% | 719 |
| Retained earnings to average equity (ytd only) | 20.0418% | 260 |
| Net charge-offs to loans | -0.0099% | 3,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.6444% | 4,251 |
| Assets per employee ($millions) | 9.7744% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4443% | 210 |
| Loan loss allowance to noncurrent loans | 260.1736% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 1,045 |
| Noncurrent loans to loans | 0.9395% | 876 |
| Net loans and leases to total assets | 57.9800% | 3,030 |
| Net loans and leases to deposits | 64.4796% | 3,230 |
| Net loans and leases to core deposits | 68.3567% | 3,301 |
| Total domestic deposits to total assets | 89.9200% | 960 |
| Equity capital to assets | 9.2718% | 2,240 |
| Core capital (leverage) ratio | 10.7458% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $182,525,500 | 3,113 |
| Average earning assets | $176,204,000 | 3,045 |
| Average equity | $16,239,000 | 3,146 |
| Average total loans | $108,103,250 | 3,087 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8307% | 541 |
| Cost of funding earning assets | 0.9918% | 2,630 |
| Net interest margin | 4.8389% | 382 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.0897% | 3,375 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.8197% | 634 |
| Return on assets (ROA) | 1.8197% | 633 |
| Pretax return on assets | 2.5945% | 314 |
| Return on Equity (ROE) | 20.7500% | 635 |
| Retained earnings to average equity (ytd only) | 20.7512% | 224 |
| Net charge-offs to loans | -0.0130% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.0909% | 4,295 |
| Assets per employee ($millions) | 9.7308% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4016% | 248 |
| Loan loss allowance to noncurrent loans | 249.2395% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 952 |
| Noncurrent loans to loans | 0.9636% | 784 |
| Net loans and leases to total assets | 57.6300% | 2,992 |
| Net loans and leases to deposits | 63.7369% | 3,208 |
| Net loans and leases to core deposits | 66.8205% | 3,301 |
| Total domestic deposits to total assets | 90.4200% | 811 |
| Equity capital to assets | 9.0542% | 2,480 |
| Core capital (leverage) ratio | 10.2369% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $181,462,667 | 3,129 |
| Average earning assets | $175,245,000 | 3,064 |
| Average equity | $15,912,333 | 3,197 |
| Average total loans | $107,344,667 | 3,089 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5720% | 557 |
| Cost of funding earning assets | 0.7422% | 2,921 |
| Net interest margin | 4.8298% | 356 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.1051% | 3,367 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.7936% | 682 |
| Return on assets (ROA) | 1.7936% | 672 |
| Pretax return on assets | 2.5635% | 332 |
| Return on Equity (ROE) | 20.8000% | 677 |
| Retained earnings to average equity (ytd only) | 20.8020% | 332 |
| Net charge-offs to loans | 0.0038% | 1,857 |
| Credit loss provision to net charge-offs | 7,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 1,227.0000% | 80 |
| Efficiency ratio | 43.5343% | 4,325 |
| Assets per employee ($millions) | 9.9298% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3759% | 253 |
| Loan loss allowance to noncurrent loans | 162.4440% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 561 |
| Noncurrent loans to loans | 1.4626% | 446 |
| Net loans and leases to total assets | 55.3000% | 3,088 |
| Net loans and leases to deposits | 60.7860% | 3,288 |
| Net loans and leases to core deposits | 63.8114% | 3,359 |
| Total domestic deposits to total assets | 90.9700% | 813 |
| Equity capital to assets | 8.4848% | 2,910 |
| Core capital (leverage) ratio | 9.9446% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $179,751,000 | 3,177 |
| Average earning assets | $173,008,500 | 3,122 |
| Average equity | $15,498,500 | 3,263 |
| Average total loans | $106,428,000 | 3,132 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 576 |
| Cost of funding earning assets | 0.4472% | 1,742 |
| Net interest margin | 4.1883% | 552 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.9796% | 3,637 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.4667% | 968 |
| Return on assets (ROA) | 1.4667% | 927 |
| Pretax return on assets | 2.0867% | 388 |
| Return on Equity (ROE) | 17.4100% | 794 |
| Retained earnings to average equity (ytd only) | 14.0576% | 380 |
| Net charge-offs to loans | 0.1904% | 431 |
| Credit loss provision to net charge-offs | 160.1036% | 1,261 |
| Earnings coverage of net charge-offs (x) | 20.5751% | 1,879 |
| Efficiency ratio | 46.6622% | 4,313 |
| Assets per employee ($millions) | 8.9913% | 921 |
| Cash dividends to net income (ytd only)* | 19.2696% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3256% | 252 |
| Loan loss allowance to noncurrent loans | 198.1511% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 636 |
| Noncurrent loans to loans | 1.1737% | 602 |
| Net loans and leases to total assets | 60.6000% | 2,586 |
| Net loans and leases to deposits | 66.8099% | 2,835 |
| Net loans and leases to core deposits | 70.7381% | 2,820 |
| Total domestic deposits to total assets | 90.7100% | 1,054 |
| Equity capital to assets | 8.7740% | 2,510 |
| Core capital (leverage) ratio | 10.1191% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $175,493,000 | 3,229 |
| Average earning assets | $170,187,800 | 3,151 |
| Average equity | $14,782,000 | 3,383 |
| Average total loans | $101,341,400 | 3,134 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 673 |
| Cost of funding earning assets | 0.4360% | 1,059 |
| Net interest margin | 3.9031% | 802 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.9351% | 3,656 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.3049% | 1,336 |
| Return on assets (ROA) | 1.3049% | 1,303 |
| Pretax return on assets | 1.8650% | 639 |
| Return on Equity (ROE) | 15.6500% | 1,051 |
| Retained earnings to average equity (ytd only) | 15.6499% | 305 |
| Net charge-offs to loans | 0.2582% | 257 |
| Credit loss provision to net charge-offs | 120.6186% | 1,218 |
| Earnings coverage of net charge-offs (x) | 13.9433% | 1,874 |
| Efficiency ratio | 48.6620% | 4,236 |
| Assets per employee ($millions) | 9.2721% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3303% | 275 |
| Loan loss allowance to noncurrent loans | 149.6867% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9201% | 502 |
| Noncurrent loans to loans | 1.5568% | 441 |
| Net loans and leases to total assets | 56.8400% | 2,819 |
| Net loans and leases to deposits | 62.2211% | 3,005 |
| Net loans and leases to core deposits | 66.9923% | 2,878 |
| Total domestic deposits to total assets | 91.3500% | 1,103 |
| Equity capital to assets | 8.2319% | 2,727 |
| Core capital (leverage) ratio | 9.7124% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $176,657,500 | 3,242 |
| Average earning assets | $171,857,500 | 3,156 |
| Average equity | $14,730,250 | 3,432 |
| Average total loans | $100,178,500 | 3,153 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 688 |
| Cost of funding earning assets | 0.4427% | 715 |
| Net interest margin | 3.7194% | 882 |
| Noninterest income to average assets | 0.1787% | 4,113 |
| Noninterest expense to average assets | 1.8980% | 3,706 |
| Loan and lease loss provision to assets | 0.1798% | 488 |
| Net operating income to assets | 1.2024% | 1,419 |
| Return on assets (ROA) | 1.2024% | 1,404 |
| Pretax return on assets | 1.7215% | 712 |
| Return on Equity (ROE) | 14.3587% | 1,028 |
| Retained earnings to average equity (ytd only) | 14.3587% | 326 |
| Net charge-offs to loans | 0.4125% | 171 |
| Credit loss provision to net charge-offs | 77.0732% | 1,401 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 1,827 |
| Efficiency ratio | 49.9553% | 4,248 |
| Assets per employee ($millions) | 9.3507% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3703% | 299 |
| Loan loss allowance to noncurrent loans | 141.4874% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 528 |
| Noncurrent loans to loans | 1.6753% | 423 |
| Net loans and leases to total assets | 53.3687% | 3,026 |
| Net loans and leases to deposits | 58.3256% | 3,194 |
| Net loans and leases to core deposits | 62.9607% | 3,030 |
| Total domestic deposits to total assets | 91.5014% | 1,028 |
| Equity capital to assets | 8.3005% | 2,903 |
| Core capital (leverage) ratio | 9.0961% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,820,333 | 3,270 |
| Average earning assets | $172,124,000 | 3,196 |
| Average equity | $14,806,333 | 3,514 |
| Average total loans | $99,399,000 | 3,198 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 611 |
| Cost of funding earning assets | 0.4589% | 621 |
| Net interest margin | 3.6644% | 801 |
| Noninterest income to average assets | 0.1769% | 4,114 |
| Noninterest expense to average assets | 1.8685% | 3,758 |
| Loan and lease loss provision to assets | 0.1701% | 458 |
| Net operating income to assets | 1.1928% | 1,264 |
| Return on assets (ROA) | 1.1928% | 1,258 |
| Pretax return on assets | 1.7052% | 675 |
| Return on Equity (ROE) | 14.1817% | 802 |
| Retained earnings to average equity (ytd only) | 14.1817% | 364 |
| Net charge-offs to loans | -0.0159% | 3,789 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9091% | 4,315 |
| Assets per employee ($millions) | 9.8798% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3985% | 324 |
| Loan loss allowance to noncurrent loans | 127.7223% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.0260% | 486 |
| Noncurrent loans to loans | 1.8779% | 397 |
| Net loans and leases to total assets | 52.6330% | 2,926 |
| Net loans and leases to deposits | 57.3421% | 3,142 |
| Net loans and leases to core deposits | 61.7132% | 2,996 |
| Total domestic deposits to total assets | 91.7876% | 662 |
| Equity capital to assets | 7.8245% | 3,705 |
| Core capital (leverage) ratio | 8.6144% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,398,500 | 3,287 |
| Average earning assets | $171,708,000 | 3,216 |
| Average equity | $14,836,000 | 3,576 |
| Average total loans | $100,539,000 | 3,178 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 879 |
| Cost of funding earning assets | 0.5608% | 664 |
| Net interest margin | 3.7156% | 1,176 |
| Noninterest income to average assets | 0.2134% | 4,093 |
| Noninterest expense to average assets | 1.9196% | 3,879 |
| Loan and lease loss provision to assets | 0.2604% | 345 |
| Net operating income to assets | 1.0928% | 2,324 |
| Return on assets (ROA) | 1.0928% | 2,390 |
| Pretax return on assets | 1.5622% | 1,529 |
| Return on Equity (ROE) | 11.9701% | 1,830 |
| Retained earnings to average equity (ytd only) | 8.9673% | 1,216 |
| Net charge-offs to loans | -0.0376% | 4,201 |
| Credit loss provision to net charge-offs | -1,124.3243% | 3,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2962% | 4,178 |
| Assets per employee ($millions) | 8.6884% | 1,023 |
| Cash dividends to net income (ytd only)* | 25.0859% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3526% | 356 |
| Loan loss allowance to noncurrent loans | 107.4565% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.3394% | 336 |
| Noncurrent loans to loans | 2.1893% | 337 |
| Net loans and leases to total assets | 59.0623% | 2,264 |
| Net loans and leases to deposits | 65.1564% | 2,585 |
| Net loans and leases to core deposits | 70.0864% | 2,436 |
| Total domestic deposits to total assets | 90.6470% | 646 |
| Equity capital to assets | 9.0768% | 3,541 |
| Core capital (leverage) ratio | 9.2111% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,773,600 | 3,392 |
| Average earning assets | $151,739,600 | 3,364 |
| Average equity | $14,586,400 | 3,680 |
| Average total loans | $98,418,200 | 3,220 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 865 |
| Cost of funding earning assets | 0.5772% | 715 |
| Net interest margin | 3.7850% | 1,146 |
| Noninterest income to average assets | 0.2121% | 4,133 |
| Noninterest expense to average assets | 1.9261% | 3,878 |
| Loan and lease loss provision to assets | 0.2846% | 292 |
| Net operating income to assets | 1.0956% | 2,572 |
| Return on assets (ROA) | 1.0956% | 2,628 |
| Pretax return on assets | 1.5719% | 1,788 |
| Return on Equity (ROE) | 11.9829% | 2,052 |
| Retained earnings to average equity (ytd only) | 11.9829% | 842 |
| Net charge-offs to loans | -0.0421% | 4,275 |
| Credit loss provision to net charge-offs | -1,090.3226% | 3,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9232% | 4,131 |
| Assets per employee ($millions) | 8.8296% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2698% | 414 |
| Loan loss allowance to noncurrent loans | 107.2443% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.2738% | 450 |
| Noncurrent loans to loans | 2.1165% | 404 |
| Net loans and leases to total assets | 58.1320% | 2,476 |
| Net loans and leases to deposits | 63.9804% | 2,854 |
| Net loans and leases to core deposits | 68.5943% | 2,724 |
| Total domestic deposits to total assets | 90.8591% | 414 |
| Equity capital to assets | 8.9775% | 3,854 |
| Core capital (leverage) ratio | 9.1709% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,447,000 | 3,447 |
| Average earning assets | $149,464,000 | 3,420 |
| Average equity | $14,487,000 | 3,739 |
| Average total loans | $98,060,500 | 3,270 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 857 |
| Cost of funding earning assets | 0.5991% | 752 |
| Net interest margin | 3.7959% | 1,142 |
| Noninterest income to average assets | 0.2073% | 4,164 |
| Noninterest expense to average assets | 1.9480% | 3,841 |
| Loan and lease loss provision to assets | 0.2897% | 304 |
| Net operating income to assets | 1.0583% | 2,685 |
| Return on assets (ROA) | 1.0583% | 2,763 |
| Pretax return on assets | 1.5179% | 1,965 |
| Return on Equity (ROE) | 11.5000% | 2,236 |
| Retained earnings to average equity (ytd only) | 11.5000% | 1,014 |
| Net charge-offs to loans | -0.0390% | 4,261 |
| Credit loss provision to net charge-offs | -1,184.2105% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8684% | 4,060 |
| Assets per employee ($millions) | 8.7364% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1695% | 453 |
| Loan loss allowance to noncurrent loans | 95.4931% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.3712% | 453 |
| Noncurrent loans to loans | 2.2719% | 386 |
| Net loans and leases to total assets | 58.1365% | 2,654 |
| Net loans and leases to deposits | 63.8828% | 3,011 |
| Net loans and leases to core deposits | 68.5534% | 2,909 |
| Total domestic deposits to total assets | 91.0050% | 374 |
| Equity capital to assets | 8.8703% | 3,919 |
| Core capital (leverage) ratio | 8.9990% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,341,667 | 3,477 |
| Average earning assets | $145,208,333 | 3,464 |
| Average equity | $14,295,667 | 3,761 |
| Average total loans | $97,484,333 | 3,290 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 967 |
| Cost of funding earning assets | 0.6578% | 660 |
| Net interest margin | 3.6922% | 1,345 |
| Noninterest income to average assets | 0.2186% | 4,082 |
| Noninterest expense to average assets | 1.9731% | 3,798 |
| Loan and lease loss provision to assets | 0.2000% | 611 |
| Net operating income to assets | 1.0319% | 2,709 |
| Return on assets (ROA) | 1.0319% | 2,788 |
| Pretax return on assets | 1.4878% | 2,033 |
| Return on Equity (ROE) | 10.9931% | 2,370 |
| Retained earnings to average equity (ytd only) | 10.9931% | 1,403 |
| Net charge-offs to loans | -0.0330% | 4,215 |
| Credit loss provision to net charge-offs | -937.5000% | 3,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8966% | 3,795 |
| Assets per employee ($millions) | 9.0901% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0219% | 574 |
| Loan loss allowance to noncurrent loans | 86.4192% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 469 |
| Noncurrent loans to loans | 2.3396% | 413 |
| Net loans and leases to total assets | 58.6111% | 2,727 |
| Net loans and leases to deposits | 64.4156% | 3,090 |
| Net loans and leases to core deposits | 68.4804% | 3,021 |
| Total domestic deposits to total assets | 90.9889% | 398 |
| Equity capital to assets | 8.6596% | 3,990 |
| Core capital (leverage) ratio | 9.9268% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8714% | 2,335 |
| Memoranda: | ||
| Average total assets | $150,016,500 | 3,531 |
| Average earning assets | $139,862,500 | 3,516 |
| Average equity | $14,081,500 | 3,785 |
| Average total loans | $96,905,500 | 3,308 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 460 |
| Cost of funding earning assets | 1.1318% | 356 |
| Net interest margin | 3.8946% | 1,225 |
| Noninterest income to average assets | 0.2203% | 4,179 |
| Noninterest expense to average assets | 2.0067% | 4,129 |
| Loan and lease loss provision to assets | 0.2152% | 1,823 |
| Net operating income to assets | 1.1594% | 1,691 |
| Return on assets (ROA) | 1.1594% | 1,807 |
| Pretax return on assets | 1.6695% | 908 |
| Return on Equity (ROE) | 12.0102% | 1,315 |
| Retained earnings to average equity (ytd only) | 9.9961% | 586 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5671% | 4,414 |
| Assets per employee ($millions) | 7.5796% | 1,230 |
| Cash dividends to net income (ytd only)* | 16.7698% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 625 |
| Loan loss allowance to noncurrent loans | 79.4969% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.7481% | 363 |
| Noncurrent loans to loans | 2.4856% | 408 |
| Net loans and leases to total assets | 68.9398% | 1,702 |
| Net loans and leases to deposits | 77.1672% | 2,158 |
| Net loans and leases to core deposits | 83.0341% | 2,118 |
| Total domestic deposits to total assets | 89.3383% | 834 |
| Equity capital to assets | 10.2718% | 2,862 |
| Core capital (leverage) ratio | 9.9856% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6330% | 1,997 |
| Memoranda: | ||
| Average total assets | $139,383,600 | 3,518 |
| Average earning assets | $131,385,800 | 3,487 |
| Average equity | $13,455,200 | 3,819 |
| Average total loans | $99,918,600 | 3,230 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 538 |
| Cost of funding earning assets | 1.2230% | 340 |
| Net interest margin | 3.8420% | 1,496 |
| Noninterest income to average assets | 0.1979% | 4,288 |
| Noninterest expense to average assets | 1.9973% | 4,150 |
| Loan and lease loss provision to assets | 0.2141% | 1,878 |
| Net operating income to assets | 1.0705% | 2,076 |
| Return on assets (ROA) | 1.0705% | 2,211 |
| Pretax return on assets | 1.6214% | 1,127 |
| Return on Equity (ROE) | 11.2648% | 1,603 |
| Retained earnings to average equity (ytd only) | 11.2648% | 528 |
| Net charge-offs to loans | 0.0106% | 2,728 |
| Credit loss provision to net charge-offs | 2,812.5000% | 363 |
| Earnings coverage of net charge-offs (x) | 241.1250% | 431 |
| Efficiency ratio | 52.1102% | 4,336 |
| Assets per employee ($millions) | 7.7216% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 672 |
| Loan loss allowance to noncurrent loans | 82.2595% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.5857% | 515 |
| Noncurrent loans to loans | 2.2330% | 514 |
| Net loans and leases to total assets | 69.7084% | 2,000 |
| Net loans and leases to deposits | 77.7534% | 2,555 |
| Net loans and leases to core deposits | 83.8718% | 2,487 |
| Total domestic deposits to total assets | 89.6531% | 534 |
| Equity capital to assets | 9.9670% | 3,257 |
| Core capital (leverage) ratio | 9.6890% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9481% | 2,225 |
| Memoranda: | ||
| Average total assets | $140,121,500 | 3,496 |
| Average earning assets | $132,566,500 | 3,466 |
| Average equity | $13,315,500 | 3,836 |
| Average total loans | $100,910,250 | 3,225 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1583% | 621 |
| Cost of funding earning assets | 1.3195% | 335 |
| Net interest margin | 3.8388% | 1,718 |
| Noninterest income to average assets | 0.2007% | 4,269 |
| Noninterest expense to average assets | 1.9744% | 4,284 |
| Loan and lease loss provision to assets | 0.2135% | 1,943 |
| Net operating income to assets | 1.1018% | 1,958 |
| Return on assets (ROA) | 1.1018% | 2,079 |
| Pretax return on assets | 1.6698% | 1,055 |
| Return on Equity (ROE) | 11.7841% | 1,392 |
| Retained earnings to average equity (ytd only) | 11.7841% | 483 |
| Net charge-offs to loans | -0.0275% | 4,506 |
| Credit loss provision to net charge-offs | -1,071.4286% | 3,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1808% | 4,417 |
| Assets per employee ($millions) | 7.6171% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 839 |
| Loan loss allowance to noncurrent loans | 90.4884% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 750 |
| Noncurrent loans to loans | 1.8627% | 744 |
| Net loans and leases to total assets | 70.9329% | 1,885 |
| Net loans and leases to deposits | 78.9657% | 2,548 |
| Net loans and leases to core deposits | 84.4302% | 2,575 |
| Total domestic deposits to total assets | 89.8275% | 448 |
| Equity capital to assets | 9.3523% | 3,778 |
| Core capital (leverage) ratio | 9.4841% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0200% | 2,604 |
| Memoranda: | ||
| Average total assets | $140,499,000 | 3,477 |
| Average earning assets | $133,843,333 | 3,422 |
| Average equity | $13,136,333 | 3,858 |
| Average total loans | $101,647,000 | 3,207 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4437% | 421 |
| Cost of funding earning assets | 1.4412% | 333 |
| Net interest margin | 4.0026% | 1,390 |
| Noninterest income to average assets | 0.2457% | 4,084 |
| Noninterest expense to average assets | 1.9915% | 4,411 |
| Loan and lease loss provision to assets | 0.2168% | 1,421 |
| Net operating income to assets | 1.2256% | 1,441 |
| Return on assets (ROA) | 1.2256% | 1,549 |
| Pretax return on assets | 1.8586% | 613 |
| Return on Equity (ROE) | 13.1097% | 864 |
| Retained earnings to average equity (ytd only) | 13.1097% | 311 |
| Net charge-offs to loans | -0.0080% | 3,999 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9694% | 4,714 |
| Assets per employee ($millions) | 7.3017% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 955 |
| Loan loss allowance to noncurrent loans | 83.5247% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.4438% | 761 |
| Noncurrent loans to loans | 1.9738% | 729 |
| Net loans and leases to total assets | 71.9401% | 1,927 |
| Net loans and leases to deposits | 80.0751% | 2,669 |
| Net loans and leases to core deposits | 86.7838% | 2,615 |
| Total domestic deposits to total assets | 89.8408% | 375 |
| Equity capital to assets | 9.5393% | 4,177 |
| Core capital (leverage) ratio | 9.0361% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1525% | 2,636 |
| Memoranda: | ||
| Average total assets | $138,386,500 | 3,474 |
| Average earning assets | $132,115,000 | 3,420 |
| Average equity | $12,937,000 | 3,885 |
| Average total loans | $100,262,000 | 3,221 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0375% | 212 |
| Cost of funding earning assets | 1.3307% | 703 |
| Net interest margin | 4.7069% | 464 |
| Noninterest income to average assets | 0.3226% | 3,760 |
| Noninterest expense to average assets | 2.2423% | 4,080 |
| Loan and lease loss provision to assets | 0.2210% | 881 |
| Net operating income to assets | 1.5264% | 993 |
| Return on assets (ROA) | 1.5264% | 1,050 |
| Pretax return on assets | 2.3113% | 304 |
| Return on Equity (ROE) | 14.3189% | 839 |
| Retained earnings to average equity (ytd only) | 10.6873% | 375 |
| Net charge-offs to loans | -0.1433% | 5,011 |
| Credit loss provision to net charge-offs | -196.8504% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9641% | 4,873 |
| Assets per employee ($millions) | 7.2653% | 951 |
| Cash dividends to net income (ytd only)* | 25.3619% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 956 |
| Loan loss allowance to noncurrent loans | 83.1683% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.3902% | 760 |
| Noncurrent loans to loans | 1.9375% | 673 |
| Net loans and leases to total assets | 70.5957% | 2,302 |
| Net loans and leases to deposits | 78.2481% | 2,979 |
| Net loans and leases to core deposits | 91.8994% | 2,240 |
| Total domestic deposits to total assets | 90.2203% | 255 |
| Equity capital to assets | 9.1567% | 4,608 |
| Core capital (leverage) ratio | 9.4247% | 4,139 |
| Tier 1 risk-based capital ratio | 11.7060% | 4,523 |
| Total risk-based capital ratio | 12.9579% | 4,406 |
| Memoranda: | ||
| Average total assets | $113,142,000 | 3,788 |
| Average earning assets | $107,014,200 | 3,758 |
| Average equity | $12,061,000 | 3,993 |
| Average total loans | $88,621,200 | 3,434 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1583% | 185 |
| Cost of funding earning assets | 1.2698% | 867 |
| Net interest margin | 4.8885% | 353 |
| Noninterest income to average assets | 0.3367% | 3,719 |
| Noninterest expense to average assets | 2.3357% | 3,862 |
| Loan and lease loss provision to assets | 0.2369% | 709 |
| Net operating income to assets | 1.5650% | 1,011 |
| Return on assets (ROA) | 1.5650% | 1,067 |
| Pretax return on assets | 2.3681% | 326 |
| Return on Equity (ROE) | 14.0421% | 975 |
| Retained earnings to average equity (ytd only) | 14.0421% | 205 |
| Net charge-offs to loans | -0.1767% | 5,096 |
| Credit loss provision to net charge-offs | -166.6667% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2741% | 4,888 |
| Assets per employee ($millions) | 6.6731% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,177 |
| Loan loss allowance to noncurrent loans | 80.2001% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.4978% | 743 |
| Noncurrent loans to loans | 1.9026% | 741 |
| Net loans and leases to total assets | 77.5200% | 1,223 |
| Net loans and leases to deposits | 95.1950% | 1,105 |
| Net loans and leases to core deposits | 115.9074% | 660 |
| Total domestic deposits to total assets | 81.4328% | 3,631 |
| Equity capital to assets | 9.9536% | 4,066 |
| Core capital (leverage) ratio | 10.8943% | 2,743 |
| Tier 1 risk-based capital ratio | 12.2022% | 4,307 |
| Total risk-based capital ratio | 13.4568% | 4,188 |
| Memoranda: | ||
| Average total assets | $106,917,250 | 3,915 |
| Average earning assets | $100,695,500 | 3,897 |
| Average equity | $11,916,250 | 4,049 |
| Average total loans | $86,014,750 | 3,526 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1340% | 192 |
| Cost of funding earning assets | 1.1800% | 1,047 |
| Net interest margin | 4.9540% | 315 |
| Noninterest income to average assets | 0.3629% | 3,505 |
| Noninterest expense to average assets | 2.4668% | 3,581 |
| Loan and lease loss provision to assets | 0.2592% | 587 |
| Net operating income to assets | 1.5076% | 1,128 |
| Return on assets (ROA) | 1.5076% | 1,180 |
| Pretax return on assets | 2.2833% | 373 |
| Return on Equity (ROE) | 12.9434% | 1,263 |
| Retained earnings to average equity (ytd only) | 12.9434% | 307 |
| Net charge-offs to loans | -0.0835% | 4,966 |
| Credit loss provision to net charge-offs | -382.3529% | 4,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2436% | 4,826 |
| Assets per employee ($millions) | 6.4399% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 1,275 |
| Loan loss allowance to noncurrent loans | 25.3622% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 4.9809% | 78 |
| Noncurrent loans to loans | 5.9175% | 68 |
| Net loans and leases to total assets | 82.9089% | 485 |
| Net loans and leases to deposits | 104.4584% | 403 |
| Net loans and leases to core deposits | 130.4573% | 320 |
| Total domestic deposits to total assets | 79.3703% | 4,148 |
| Equity capital to assets | 11.0634% | 2,984 |
| Core capital (leverage) ratio | 11.5295% | 2,135 |
| Tier 1 risk-based capital ratio | 11.9302% | 4,460 |
| Total risk-based capital ratio | 13.1817% | 4,344 |
| Memoranda: | ||
| Average total assets | $100,293,670 | 4,065 |
| Average earning assets | $94,066,000 | 4,034 |
| Average equity | $11,681,670 | 4,090 |
| Average total loans | $81,416,670 | 3,634 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9459% | 239 |
| Cost of funding earning assets | 1.0178% | 1,490 |
| Net interest margin | 4.9282% | 321 |
| Noninterest income to average assets | 0.3678% | 3,389 |
| Noninterest expense to average assets | 2.6206% | 3,155 |
| Loan and lease loss provision to assets | 0.2926% | 449 |
| Net operating income to assets | 1.3667% | 1,467 |
| Return on assets (ROA) | 1.3667% | 1,510 |
| Pretax return on assets | 2.0689% | 564 |
| Return on Equity (ROE) | 11.4071% | 1,778 |
| Retained earnings to average equity (ytd only) | 11.4071% | 723 |
| Net charge-offs to loans | -0.0789% | 4,965 |
| Credit loss provision to net charge-offs | -466.6667% | 3,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6007% | 4,650 |
| Assets per employee ($millions) | 5.8819% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 1,015 |
| Loan loss allowance to noncurrent loans | 56.3283% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 2.3152% | 362 |
| Noncurrent loans to loans | 2.8856% | 396 |
| Net loans and leases to total assets | 78.9275% | 999 |
| Net loans and leases to deposits | 101.3236% | 543 |
| Net loans and leases to core deposits | 128.2055% | 332 |
| Total domestic deposits to total assets | 77.8965% | 4,534 |
| Equity capital to assets | 11.6488% | 2,272 |
| Core capital (leverage) ratio | 12.5959% | 1,459 |
| Tier 1 risk-based capital ratio | 13.1445% | 3,805 |
| Total risk-based capital ratio | 14.3986% | 3,709 |
| Memoranda: | ||
| Average total assets | $95,701,500 | 4,175 |
| Average earning assets | $89,607,500 | 4,153 |
| Average equity | $11,466,500 | 4,131 |
| Average total loans | $76,050,000 | 3,766 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8392% | 222 |
| Cost of funding earning assets | 0.6536% | 2,370 |
| Net interest margin | 5.1856% | 192 |
| Noninterest income to average assets | 0.3849% | 3,528 |
| Noninterest expense to average assets | 2.9417% | 2,211 |
| Loan and lease loss provision to assets | 0.3009% | 537 |
| Net operating income to assets | 1.3472% | 1,623 |
| Return on assets (ROA) | 1.3472% | 1,612 |
| Pretax return on assets | 1.9648% | 603 |
| Return on Equity (ROE) | 10.0784% | 2,484 |
| Retained earnings to average equity (ytd only) | 7.4266% | 1,496 |
| Net charge-offs to loans | -0.0169% | 4,644 |
| Credit loss provision to net charge-offs | -2,245.4545% | 4,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4912% | 4,346 |
| Assets per employee ($millions) | 5.3771% | 2,081 |
| Cash dividends to net income (ytd only)* | 26.3110% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6960% | 840 |
| Loan loss allowance to noncurrent loans | 59.2323% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 2.2973% | 362 |
| Noncurrent loans to loans | 2.8633% | 377 |
| Net loans and leases to total assets | 77.2946% | 1,390 |
| Net loans and leases to deposits | 101.2177% | 651 |
| Net loans and leases to core deposits | 128.3376% | 348 |
| Total domestic deposits to total assets | 76.3647% | 4,711 |
| Equity capital to assets | 12.3455% | 1,669 |
| Core capital (leverage) ratio | 12.7209% | 1,363 |
| Tier 1 risk-based capital ratio | 14.3053% | 3,165 |
| Total risk-based capital ratio | 15.5611% | 3,078 |
| Memoranda: | ||
| Average total assets | $82,094,800 | 4,401 |
| Average earning assets | $76,346,400 | 4,371 |
| Average equity | $10,974,000 | 4,161 |
| Average total loans | $65,255,000 | 3,980 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8235% | 208 |
| Cost of funding earning assets | 0.5417% | 2,920 |
| Net interest margin | 5.2818% | 154 |
| Noninterest income to average assets | 0.3978% | 3,496 |
| Noninterest expense to average assets | 3.0121% | 1,986 |
| Loan and lease loss provision to assets | 0.3126% | 458 |
| Net operating income to assets | 1.3757% | 1,574 |
| Return on assets (ROA) | 1.3757% | 1,576 |
| Pretax return on assets | 1.9791% | 656 |
| Return on Equity (ROE) | 10.0705% | 2,585 |
| Retained earnings to average equity (ytd only) | 10.0705% | 901 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7917% | 4,280 |
| Assets per employee ($millions) | 4.9875% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6882% | 897 |
| Loan loss allowance to noncurrent loans | 48.5195% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 2.8377% | 273 |
| Noncurrent loans to loans | 3.4794% | 277 |
| Net loans and leases to total assets | 78.7788% | 1,201 |
| Net loans and leases to deposits | 91.2388% | 1,727 |
| Net loans and leases to core deposits | 111.9782% | 913 |
| Total domestic deposits to total assets | 86.3436% | 2,038 |
| Equity capital to assets | 13.3285% | 1,200 |
| Core capital (leverage) ratio | 13.6253% | 1,051 |
| Tier 1 risk-based capital ratio | 15.3809% | 2,706 |
| Total risk-based capital ratio | 16.6370% | 2,629 |
| Memoranda: | ||
| Average total assets | $79,766,000 | 4,475 |
| Average earning assets | $74,089,250 | 4,466 |
| Average equity | $10,896,250 | 4,216 |
| Average total loans | $63,600,250 | 4,052 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8377% | 189 |
| Cost of funding earning assets | 0.4329% | 3,475 |
| Net interest margin | 5.4048% | 125 |
| Noninterest income to average assets | 0.3560% | 3,778 |
| Noninterest expense to average assets | 3.0784% | 1,839 |
| Loan and lease loss provision to assets | 0.3253% | 420 |
| Net operating income to assets | 1.3804% | 1,505 |
| Return on assets (ROA) | 1.3804% | 1,507 |
| Pretax return on assets | 1.9720% | 638 |
| Return on Equity (ROE) | 10.0173% | 2,555 |
| Retained earnings to average equity (ytd only) | 10.0173% | 922 |
| Net charge-offs to loans | 0.0418% | 2,027 |
| Credit loss provision to net charge-offs | 976.9231% | 416 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 920 |
| Efficiency ratio | 57.2654% | 4,331 |
| Assets per employee ($millions) | 5.0369% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 916 |
| Loan loss allowance to noncurrent loans | 52.6703% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 2.7927% | 284 |
| Noncurrent loans to loans | 3.2141% | 329 |
| Net loans and leases to total assets | 82.6268% | 638 |
| Net loans and leases to deposits | 99.3349% | 852 |
| Net loans and leases to core deposits | 104.4838% | 1,356 |
| Total domestic deposits to total assets | 83.1800% | 3,354 |
| Equity capital to assets | 14.5845% | 785 |
| Core capital (leverage) ratio | 14.5768% | 758 |
| Tier 1 risk-based capital ratio | 16.4258% | 2,280 |
| Total risk-based capital ratio | 17.6802% | 2,225 |
| Memoranda: | ||
| Average total assets | $78,092,000 | 4,553 |
| Average earning assets | $72,528,000 | 4,539 |
| Average equity | $10,761,330 | 4,267 |
| Average total loans | $62,153,000 | 4,113 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6210% | 228 |
| Cost of funding earning assets | 0.4332% | 3,345 |
| Net interest margin | 5.1878% | 163 |
| Noninterest income to average assets | 0.3125% | 4,065 |
| Noninterest expense to average assets | 2.8578% | 2,506 |
| Loan and lease loss provision to assets | 0.3377% | 366 |
| Net operating income to assets | 1.3205% | 1,577 |
| Return on assets (ROA) | 1.3205% | 1,582 |
| Pretax return on assets | 1.8850% | 753 |
| Return on Equity (ROE) | 9.8566% | 2,505 |
| Retained earnings to average equity (ytd only) | 9.8566% | 1,206 |
| Net charge-offs to loans | 0.1692% | 853 |
| Credit loss provision to net charge-offs | 257.6923% | 893 |
| Earnings coverage of net charge-offs (x) | 16.9615% | 1,601 |
| Efficiency ratio | 56.2500% | 4,550 |
| Assets per employee ($millions) | 5.2529% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 1,215 |
| Loan loss allowance to noncurrent loans | 69.1034% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 2.1626% | 492 |
| Noncurrent loans to loans | 2.2816% | 632 |
| Net loans and leases to total assets | 79.3855% | 1,022 |
| Net loans and leases to deposits | 92.3317% | 1,417 |
| Net loans and leases to core deposits | 100.0384% | 1,685 |
| Total domestic deposits to total assets | 85.9786% | 2,549 |
| Equity capital to assets | 13.6521% | 993 |
| Core capital (leverage) ratio | 13.5404% | 997 |
| Tier 1 risk-based capital ratio | 15.8521% | 2,538 |
| Total risk-based capital ratio | 17.1040% | 2,475 |
| Memoranda: | ||
| Average total assets | $79,361,500 | 4,580 |
| Average earning assets | $72,940,500 | 4,577 |
| Average equity | $10,632,500 | 4,330 |
| Average total loans | $61,478,500 | 4,166 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6240% | 221 |
| Cost of funding earning assets | 0.3737% | 3,478 |
| Net interest margin | 5.2502% | 155 |
| Noninterest income to average assets | 0.3833% | 3,740 |
| Noninterest expense to average assets | 3.1475% | 1,722 |
| Loan and lease loss provision to assets | 0.2329% | 828 |
| Net operating income to assets | 1.1193% | 1,797 |
| Return on assets (ROA) | 1.1193% | 1,822 |
| Pretax return on assets | 1.6955% | 1,017 |
| Return on Equity (ROE) | 8.1879% | 2,708 |
| Retained earnings to average equity (ytd only) | 5.6274% | 1,752 |
| Net charge-offs to loans | -0.0511% | 5,191 |
| Credit loss provision to net charge-offs | -625.0000% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0084% | 3,934 |
| Assets per employee ($millions) | 4.9956% | 2,482 |
| Cash dividends to net income (ytd only)* | 31.2723% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 1,103 |
| Loan loss allowance to noncurrent loans | 69.8690% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 2.0368% | 549 |
| Noncurrent loans to loans | 2.3130% | 608 |
| Net loans and leases to total assets | 73.1199% | 2,076 |
| Net loans and leases to deposits | 84.5874% | 2,424 |
| Net loans and leases to core deposits | 91.4932% | 2,416 |
| Total domestic deposits to total assets | 86.4430% | 2,257 |
| Equity capital to assets | 13.1467% | 1,192 |
| Core capital (leverage) ratio | 13.5220% | 959 |
| Tier 1 risk-based capital ratio | 16.1923% | 2,363 |
| Total risk-based capital ratio | 17.4475% | 2,300 |
| Memoranda: | ||
| Average total assets | $75,139,400 | 4,689 |
| Average earning assets | $67,159,000 | 4,719 |
| Average equity | $10,271,200 | 4,410 |
| Average total loans | $54,836,600 | 4,335 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5578% | 236 |
| Cost of funding earning assets | 0.3700% | 3,462 |
| Net interest margin | 5.1879% | 167 |
| Noninterest income to average assets | 0.4003% | 3,683 |
| Noninterest expense to average assets | 3.0672% | 1,898 |
| Loan and lease loss provision to assets | 0.2615% | 646 |
| Net operating income to assets | 1.1035% | 2,076 |
| Return on assets (ROA) | 1.1035% | 2,124 |
| Pretax return on assets | 1.6733% | 1,188 |
| Return on Equity (ROE) | 7.9904% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.9904% | 1,227 |
| Net charge-offs to loans | -0.0372% | 5,072 |
| Credit loss provision to net charge-offs | -966.6667% | 4,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3194% | 3,994 |
| Assets per employee ($millions) | 4.7213% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 1,559 |
| Loan loss allowance to noncurrent loans | 67.2287% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 2.2253% | 541 |
| Noncurrent loans to loans | 2.2191% | 736 |
| Net loans and leases to total assets | 80.1536% | 966 |
| Net loans and leases to deposits | 93.3965% | 1,367 |
| Net loans and leases to core deposits | 101.5480% | 1,576 |
| Total domestic deposits to total assets | 85.8208% | 2,384 |
| Equity capital to assets | 13.9741% | 1,005 |
| Core capital (leverage) ratio | 14.1740% | 844 |
| Tier 1 risk-based capital ratio | 16.1516% | 2,437 |
| Total risk-based capital ratio | 17.4042% | 2,385 |
| Memoranda: | ||
| Average total assets | $73,942,000 | 4,758 |
| Average earning assets | $65,587,250 | 4,801 |
| Average equity | $10,212,000 | 4,460 |
| Average total loans | $53,694,750 | 4,407 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3523% | 299 |
| Cost of funding earning assets | 0.3783% | 3,305 |
| Net interest margin | 4.9740% | 230 |
| Noninterest income to average assets | 0.4168% | 3,585 |
| Noninterest expense to average assets | 3.1059% | 1,826 |
| Loan and lease loss provision to assets | 0.1635% | 1,224 |
| Net operating income to assets | 0.9781% | 2,533 |
| Return on assets (ROA) | 0.9781% | 2,581 |
| Pretax return on assets | 1.4821% | 1,711 |
| Return on Equity (ROE) | 7.1108% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.1108% | 1,539 |
| Net charge-offs to loans | -0.0509% | 5,180 |
| Credit loss provision to net charge-offs | -461.5385% | 4,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3670% | 3,452 |
| Assets per employee ($millions) | 4.6094% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 1,464 |
| Loan loss allowance to noncurrent loans | 41.8347% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 3.1200% | 284 |
| Noncurrent loans to loans | 3.6630% | 293 |
| Net loans and leases to total assets | 72.3159% | 2,148 |
| Net loans and leases to deposits | 84.2717% | 2,437 |
| Net loans and leases to core deposits | 92.2254% | 2,321 |
| Total domestic deposits to total assets | 85.8129% | 2,466 |
| Equity capital to assets | 13.9539% | 979 |
| Core capital (leverage) ratio | 14.0289% | 857 |
| Tier 1 risk-based capital ratio | 17.2929% | 2,065 |
| Total risk-based capital ratio | 18.5448% | 2,020 |
| Memoranda: | ||
| Average total assets | $73,409,330 | 4,795 |
| Average earning assets | $63,973,000 | 4,867 |
| Average equity | $10,097,330 | 4,499 |
| Average total loans | $51,104,670 | 4,495 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2975% | 321 |
| Cost of funding earning assets | 0.3926% | 3,073 |
| Net interest margin | 4.9049% | 259 |
| Noninterest income to average assets | 0.3987% | 3,669 |
| Noninterest expense to average assets | 2.9438% | 2,318 |
| Loan and lease loss provision to assets | 0.1638% | 1,096 |
| Net operating income to assets | 0.9558% | 2,501 |
| Return on assets (ROA) | 0.9558% | 2,561 |
| Pretax return on assets | 1.4528% | 1,688 |
| Return on Equity (ROE) | 6.9997% | 3,398 |
| Retained earnings to average equity (ytd only) | 6.9997% | 1,849 |
| Net charge-offs to loans | 0.1775% | 941 |
| Credit loss provision to net charge-offs | 136.3636% | 1,275 |
| Earnings coverage of net charge-offs (x) | 13.4545% | 1,782 |
| Efficiency ratio | 64.5509% | 3,741 |
| Assets per employee ($millions) | 4.5662% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 1,589 |
| Loan loss allowance to noncurrent loans | 48.9443% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 2.5733% | 444 |
| Noncurrent loans to loans | 3.1244% | 426 |
| Net loans and leases to total assets | 67.4263% | 2,756 |
| Net loans and leases to deposits | 78.5036% | 2,919 |
| Net loans and leases to core deposits | 85.2340% | 2,790 |
| Total domestic deposits to total assets | 85.8895% | 2,725 |
| Equity capital to assets | 13.8162% | 963 |
| Core capital (leverage) ratio | 14.0889% | 819 |
| Tier 1 risk-based capital ratio | 18.0409% | 1,863 |
| Total risk-based capital ratio | 19.2924% | 1,820 |
| Memoranda: | ||
| Average total assets | $73,239,000 | 4,848 |
| Average earning assets | $62,142,500 | 4,947 |
| Average equity | $10,000,500 | 4,545 |
| Average total loans | $49,575,500 | 4,577 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0284% | 563 |
| Cost of funding earning assets | 0.4011% | 2,987 |
| Net interest margin | 4.6273% | 480 |
| Noninterest income to average assets | 0.3852% | 3,997 |
| Noninterest expense to average assets | 2.7685% | 3,123 |
| Loan and lease loss provision to assets | 0.2071% | 1,096 |
| Net operating income to assets | 0.9906% | 2,390 |
| Return on assets (ROA) | 1.0052% | 2,436 |
| Pretax return on assets | 1.5258% | 1,506 |
| Return on Equity (ROE) | 7.4900% | 3,225 |
| Retained earnings to average equity (ytd only) | 5.1134% | 2,275 |
| Net charge-offs to loans | 0.4210% | 620 |
| Credit loss provision to net charge-offs | 79.3651% | 2,982 |
| Earnings coverage of net charge-offs (x) | 6.5556% | 3,153 |
| Efficiency ratio | 61.8064% | 4,285 |
| Assets per employee ($millions) | 4.5887% | 2,982 |
| Cash dividends to net income (ytd only)* | 31.7308% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,533 |
| Loan loss allowance to noncurrent loans | 72.9287% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.8456% | 786 |
| Noncurrent loans to loans | 2.1130% | 829 |
| Net loans and leases to total assets | 65.8794% | 3,090 |
| Net loans and leases to deposits | 76.4869% | 3,261 |
| Net loans and leases to core deposits | 80.2083% | 3,376 |
| Total domestic deposits to total assets | 86.1317% | 2,516 |
| Equity capital to assets | 13.4938% | 1,052 |
| Core capital (leverage) ratio | 14.0549% | 806 |
| Tier 1 risk-based capital ratio | 17.5954% | 1,977 |
| Total risk-based capital ratio | 18.8464% | 1,937 |
| Memoranda: | ||
| Average total assets | $72,421,800 | 4,881 |
| Average earning assets | $64,076,200 | 4,938 |
| Average equity | $9,719,600 | 4,635 |
| Average total loans | $44,889,800 | 4,718 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 765 |
| Cost of funding earning assets | 0.4041% | 2,980 |
| Net interest margin | 4.4716% | 674 |
| Noninterest income to average assets | 0.4194% | 3,785 |
| Noninterest expense to average assets | 2.7951% | 3,026 |
| Loan and lease loss provision to assets | 0.1663% | 1,371 |
| Net operating income to assets | 0.9662% | 2,586 |
| Return on assets (ROA) | 0.9662% | 2,720 |
| Pretax return on assets | 1.4650% | 1,829 |
| Return on Equity (ROE) | 7.2091% | 3,443 |
| Retained earnings to average equity (ytd only) | 7.2091% | 1,527 |
| Net charge-offs to loans | 0.2008% | 1,168 |
| Credit loss provision to net charge-offs | 136.3636% | 1,905 |
| Earnings coverage of net charge-offs (x) | 13.3784% | 2,316 |
| Efficiency ratio | 63.1469% | 4,050 |
| Assets per employee ($millions) | 4.3990% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7259% | 1,153 |
| Loan loss allowance to noncurrent loans | 53.3854% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 2.6327% | 500 |
| Noncurrent loans to loans | 3.2329% | 435 |
| Net loans and leases to total assets | 66.3389% | 3,065 |
| Net loans and leases to deposits | 77.5615% | 3,236 |
| Net loans and leases to core deposits | 82.6232% | 3,235 |
| Total domestic deposits to total assets | 85.5308% | 2,592 |
| Equity capital to assets | 14.1708% | 977 |
| Core capital (leverage) ratio | 14.3206% | 771 |
| Tier 1 risk-based capital ratio | 19.0443% | 1,663 |
| Total risk-based capital ratio | 20.2982% | 1,614 |
| Memoranda: | ||
| Average total assets | $72,172,500 | 4,926 |
| Average earning assets | $64,673,000 | 4,969 |
| Average equity | $9,672,750 | 4,683 |
| Average total loans | $43,831,000 | 4,789 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 1,132 |
| Cost of funding earning assets | 0.4079% | 2,958 |
| Net interest margin | 4.2574% | 1,005 |
| Noninterest income to average assets | 0.4095% | 3,807 |
| Noninterest expense to average assets | 2.7704% | 3,134 |
| Loan and lease loss provision to assets | 0.1649% | 1,366 |
| Net operating income to assets | 0.8877% | 2,923 |
| Return on assets (ROA) | 0.8877% | 3,045 |
| Pretax return on assets | 1.3467% | 2,219 |
| Return on Equity (ROE) | 6.7486% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.7486% | 1,740 |
| Net charge-offs to loans | 0.1690% | 1,325 |
| Credit loss provision to net charge-offs | 166.6667% | 1,481 |
| Earnings coverage of net charge-offs (x) | 15.2778% | 2,005 |
| Efficiency ratio | 64.6983% | 3,901 |
| Assets per employee ($millions) | 4.4057% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8300% | 1,029 |
| Loan loss allowance to noncurrent loans | 57.9915% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 2.4556% | 573 |
| Noncurrent loans to loans | 3.1557% | 451 |
| Net loans and leases to total assets | 62.4023% | 3,576 |
| Net loans and leases to deposits | 72.6198% | 3,736 |
| Net loans and leases to core deposits | 77.3239% | 3,710 |
| Total domestic deposits to total assets | 85.9301% | 2,457 |
| Equity capital to assets | 13.8883% | 1,065 |
| Core capital (leverage) ratio | 13.4795% | 992 |
| Tier 1 risk-based capital ratio | 19.0882% | 1,671 |
| Total risk-based capital ratio | 20.3413% | 1,640 |
| Memoranda: | ||
| Average total assets | $72,768,670 | 4,964 |
| Average earning assets | $66,191,000 | 4,975 |
| Average equity | $9,572,330 | 4,727 |
| Average total loans | $42,604,000 | 4,877 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4855% | 1,549 |
| Cost of funding earning assets | 0.4186% | 2,870 |
| Net interest margin | 4.0669% | 1,431 |
| Noninterest income to average assets | 0.3464% | 4,255 |
| Noninterest expense to average assets | 2.7115% | 3,376 |
| Loan and lease loss provision to assets | 0.1624% | 1,277 |
| Net operating income to assets | 0.7631% | 3,425 |
| Return on assets (ROA) | 0.7631% | 3,534 |
| Pretax return on assets | 1.1528% | 2,880 |
| Return on Equity (ROE) | 5.9597% | 4,004 |
| Retained earnings to average equity (ytd only) | 5.9597% | 2,388 |
| Net charge-offs to loans | 0.0193% | 2,547 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 121.5000% | 470 |
| Efficiency ratio | 67.3387% | 3,571 |
| Assets per employee ($millions) | 4.6348% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9357% | 917 |
| Loan loss allowance to noncurrent loans | 60.9017% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.2870% | 697 |
| Noncurrent loans to loans | 3.1784% | 481 |
| Net loans and leases to total assets | 56.2927% | 4,221 |
| Net loans and leases to deposits | 64.8466% | 4,357 |
| Net loans and leases to core deposits | 68.7840% | 4,339 |
| Total domestic deposits to total assets | 86.8091% | 2,294 |
| Equity capital to assets | 12.9374% | 1,439 |
| Core capital (leverage) ratio | 13.0021% | 1,158 |
| Tier 1 risk-based capital ratio | 18.9501% | 1,745 |
| Total risk-based capital ratio | 20.2041% | 1,711 |
| Memoranda: | ||
| Average total assets | $73,907,500 | 4,977 |
| Average earning assets | $66,882,000 | 5,004 |
| Average equity | $9,463,500 | 4,768 |
| Average total loans | $41,502,000 | 4,953 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2917% | 372 |
| Cost of funding earning assets | 0.4425% | 2,714 |
| Net interest margin | 4.8492% | 328 |
| Noninterest income to average assets | 0.3964% | 4,058 |
| Noninterest expense to average assets | 2.8038% | 3,212 |
| Loan and lease loss provision to assets | 0.6118% | 171 |
| Net operating income to assets | 0.9341% | 2,687 |
| Return on assets (ROA) | 0.9341% | 2,770 |
| Pretax return on assets | 1.4156% | 1,837 |
| Return on Equity (ROE) | 7.6110% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.6110% | 1,058 |
| Net charge-offs to loans | 1.1274% | 161 |
| Credit loss provision to net charge-offs | 96.5368% | 2,629 |
| Earnings coverage of net charge-offs (x) | 3.1991% | 3,758 |
| Efficiency ratio | 58.0352% | 5,141 |
| Assets per employee ($millions) | 4.6036% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9686% | 844 |
| Loan loss allowance to noncurrent loans | 55.2778% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 2.4206% | 650 |
| Noncurrent loans to loans | 3.5613% | 381 |
| Net loans and leases to total assets | 53.8149% | 4,525 |
| Net loans and leases to deposits | 61.8702% | 4,641 |
| Net loans and leases to core deposits | 65.6297% | 4,622 |
| Total domestic deposits to total assets | 86.9804% | 2,151 |
| Equity capital to assets | 12.6707% | 1,520 |
| Core capital (leverage) ratio | 12.8805% | 1,195 |
| Tier 1 risk-based capital ratio | 19.7663% | 1,527 |
| Total risk-based capital ratio | 21.0247% | 1,500 |
| Memoranda: | ||
| Average total assets | $72,901,400 | 5,015 |
| Average earning assets | $66,670,600 | 5,028 |
| Average equity | $8,947,600 | 4,865 |
| Average total loans | $40,978,400 | 4,965 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 301 |
| Cost of funding earning assets | 0.4491% | 2,697 |
| Net interest margin | 4.9860% | 261 |
| Noninterest income to average assets | 0.3942% | 4,124 |
| Noninterest expense to average assets | 2.9247% | 2,765 |
| Loan and lease loss provision to assets | 0.7628% | 96 |
| Net operating income to assets | 0.8490% | 3,177 |
| Return on assets (ROA) | 0.8490% | 3,266 |
| Pretax return on assets | 1.2872% | 2,441 |
| Return on Equity (ROE) | 6.9744% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.9744% | 1,699 |
| Net charge-offs to loans | 0.6907% | 311 |
| Credit loss provision to net charge-offs | 195.3052% | 1,363 |
| Earnings coverage of net charge-offs (x) | 5.2489% | 3,230 |
| Efficiency ratio | 58.7910% | 5,033 |
| Assets per employee ($millions) | 4.5689% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3850% | 511 |
| Loan loss allowance to noncurrent loans | 61.5525% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 2.3939% | 747 |
| Noncurrent loans to loans | 3.8748% | 353 |
| Net loans and leases to total assets | 56.8274% | 4,265 |
| Net loans and leases to deposits | 65.3320% | 4,440 |
| Net loans and leases to core deposits | 69.3511% | 4,432 |
| Total domestic deposits to total assets | 86.9826% | 2,049 |
| Equity capital to assets | 12.5701% | 1,701 |
| Core capital (leverage) ratio | 12.5212% | 1,406 |
| Tier 1 risk-based capital ratio | 19.0160% | 1,773 |
| Total risk-based capital ratio | 20.2759% | 1,737 |
| Memoranda: | ||
| Average total assets | $72,712,250 | 5,082 |
| Average earning assets | $66,798,250 | 5,082 |
| Average equity | $8,851,250 | 4,943 |
| Average total loans | $41,114,250 | 5,017 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 2,056 |
| Cost of funding earning assets | 0.4568% | 2,642 |
| Net interest margin | 3.8809% | 2,047 |
| Noninterest income to average assets | 0.4271% | 3,874 |
| Noninterest expense to average assets | 3.0090% | 2,528 |
| Loan and lease loss provision to assets | 0.1653% | 1,273 |
| Net operating income to assets | 0.5511% | 4,556 |
| Return on assets (ROA) | 0.5511% | 4,662 |
| Pretax return on assets | 0.8349% | 4,186 |
| Return on Equity (ROE) | 4.5774% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.5774% | 3,121 |
| Net charge-offs to loans | 0.0345% | 2,979 |
| Credit loss provision to net charge-offs | 857.1429% | 406 |
| Earnings coverage of net charge-offs (x) | 51.8571% | 933 |
| Efficiency ratio | 75.0515% | 2,529 |
| Assets per employee ($millions) | 4.5773% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1010% | 852 |
| Loan loss allowance to noncurrent loans | 28.2723% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 4.3394% | 284 |
| Noncurrent loans to loans | 7.4312% | 104 |
| Net loans and leases to total assets | 54.9730% | 4,459 |
| Net loans and leases to deposits | 62.7220% | 4,643 |
| Net loans and leases to core deposits | 67.6514% | 4,516 |
| Total domestic deposits to total assets | 87.6454% | 1,821 |
| Equity capital to assets | 12.0119% | 2,018 |
| Core capital (leverage) ratio | 12.2073% | 1,535 |
| Tier 1 risk-based capital ratio | 18.6461% | 1,883 |
| Total risk-based capital ratio | 19.9009% | 1,846 |
| Memoranda: | ||
| Average total assets | $72,582,330 | 5,141 |
| Average earning assets | $66,994,670 | 5,130 |
| Average equity | $8,738,670 | 5,000 |
| Average total loans | $40,633,330 | 5,082 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3658% | 1,886 |
| Cost of funding earning assets | 0.4731% | 2,527 |
| Net interest margin | 3.8927% | 1,923 |
| Noninterest income to average assets | 0.3820% | 4,146 |
| Noninterest expense to average assets | 3.1389% | 2,163 |
| Loan and lease loss provision to assets | 0.1661% | 1,205 |
| Net operating income to assets | 0.4429% | 4,903 |
| Return on assets (ROA) | 0.4429% | 5,022 |
| Pretax return on assets | 0.6754% | 4,670 |
| Return on Equity (ROE) | 3.6741% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.6741% | 3,805 |
| Net charge-offs to loans | -0.0198% | 5,048 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8595% | 2,068 |
| Assets per employee ($millions) | 4.5191% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0969% | 924 |
| Loan loss allowance to noncurrent loans | 26.0816% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 4.6082% | 282 |
| Noncurrent loans to loans | 8.0400% | 101 |
| Net loans and leases to total assets | 54.4976% | 4,373 |
| Net loans and leases to deposits | 62.3349% | 4,542 |
| Net loans and leases to core deposits | 67.0918% | 4,418 |
| Total domestic deposits to total assets | 87.4270% | 2,154 |
| Equity capital to assets | 12.1899% | 1,899 |
| Core capital (leverage) ratio | 12.1320% | 1,561 |
| Tier 1 risk-based capital ratio | 18.3868% | 2,039 |
| Total risk-based capital ratio | 19.6410% | 1,989 |
| Memoranda: | ||
| Average total assets | $72,255,500 | 5,191 |
| Average earning assets | $66,791,500 | 5,172 |
| Average equity | $8,709,500 | 5,059 |
| Average total loans | $40,388,000 | 5,124 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5485% | 1,700 |
| Cost of funding earning assets | 0.5162% | 2,522 |
| Net interest margin | 4.0323% | 1,797 |
| Noninterest income to average assets | 0.4789% | 3,655 |
| Noninterest expense to average assets | 2.6731% | 3,965 |
| Loan and lease loss provision to assets | 0.2058% | 1,219 |
| Net operating income to assets | 0.8631% | 3,050 |
| Return on assets (ROA) | 0.8631% | 3,143 |
| Pretax return on assets | 1.3091% | 2,210 |
| Return on Equity (ROE) | 7.8822% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.8822% | 1,062 |
| Net charge-offs to loans | 0.3598% | 1,210 |
| Credit loss provision to net charge-offs | 102.7397% | 2,329 |
| Earnings coverage of net charge-offs (x) | 7.5616% | 3,017 |
| Efficiency ratio | 63.8270% | 4,614 |
| Assets per employee ($millions) | 4.8137% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0036% | 1,109 |
| Loan loss allowance to noncurrent loans | 21.8397% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 5.2822% | 246 |
| Noncurrent loans to loans | 9.1741% | 83 |
| Net loans and leases to total assets | 55.0031% | 4,453 |
| Net loans and leases to deposits | 62.7360% | 4,663 |
| Net loans and leases to core deposits | 67.4966% | 4,556 |
| Total domestic deposits to total assets | 87.6740% | 1,940 |
| Equity capital to assets | 11.9175% | 2,072 |
| Core capital (leverage) ratio | 12.2045% | 1,496 |
| Tier 1 risk-based capital ratio | 18.6601% | 1,942 |
| Total risk-based capital ratio | 19.9169% | 1,905 |
| Memoranda: | ||
| Average total assets | $72,874,400 | 5,208 |
| Average earning assets | $67,033,600 | 5,196 |
| Average equity | $7,980,000 | 5,207 |
| Average total loans | $40,579,600 | 5,154 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5544% | 1,689 |
| Cost of funding earning assets | 0.5206% | 2,563 |
| Net interest margin | 4.0338% | 1,777 |
| Noninterest income to average assets | 0.4746% | 3,719 |
| Noninterest expense to average assets | 2.6651% | 3,965 |
| Loan and lease loss provision to assets | 0.1643% | 1,511 |
| Net operating income to assets | 0.8890% | 2,963 |
| Return on assets (ROA) | 0.8890% | 3,066 |
| Pretax return on assets | 1.3508% | 2,189 |
| Return on Equity (ROE) | 8.2993% | 3,038 |
| Retained earnings to average equity (ytd only) | 8.2993% | 1,220 |
| Net charge-offs to loans | 0.0230% | 4,053 |
| Credit loss provision to net charge-offs | 1,285.7143% | 266 |
| Earnings coverage of net charge-offs (x) | 118.6109% | 499 |
| Efficiency ratio | 63.7555% | 4,589 |
| Assets per employee ($millions) | 4.7657% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1979% | 952 |
| Loan loss allowance to noncurrent loans | 23.1068% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 5.5451% | 269 |
| Noncurrent loans to loans | 9.5118% | 86 |
| Net loans and leases to total assets | 55.4626% | 4,402 |
| Net loans and leases to deposits | 63.0284% | 4,639 |
| Net loans and leases to core deposits | 68.1530% | 4,496 |
| Total domestic deposits to total assets | 87.9963% | 1,773 |
| Equity capital to assets | 11.5379% | 2,444 |
| Core capital (leverage) ratio | 11.8776% | 1,772 |
| Tier 1 risk-based capital ratio | 18.5164% | 2,043 |
| Total risk-based capital ratio | 19.7753% | 2,004 |
| Memoranda: | ||
| Average total assets | $73,041,750 | 5,268 |
| Average earning assets | $67,098,750 | 5,249 |
| Average equity | $7,823,750 | 5,289 |
| Average total loans | $40,592,750 | 5,211 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4907% | 1,859 |
| Cost of funding earning assets | 0.5243% | 2,595 |
| Net interest margin | 3.9664% | 1,914 |
| Noninterest income to average assets | 0.4704% | 3,709 |
| Noninterest expense to average assets | 2.6971% | 3,877 |
| Loan and lease loss provision to assets | 0.1631% | 1,513 |
| Net operating income to assets | 0.8238% | 3,216 |
| Return on assets (ROA) | 0.8238% | 3,311 |
| Pretax return on assets | 1.2507% | 2,451 |
| Return on Equity (ROE) | 7.8882% | 3,164 |
| Retained earnings to average equity (ytd only) | 7.8882% | 1,369 |
| Net charge-offs to loans | 0.0049% | 4,213 |
| Credit loss provision to net charge-offs | 6,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 520.0000% | 137 |
| Efficiency ratio | 65.6085% | 4,420 |
| Assets per employee ($millions) | 4.9491% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1448% | 1,098 |
| Loan loss allowance to noncurrent loans | 23.0483% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 5.2185% | 334 |
| Noncurrent loans to loans | 9.3057% | 93 |
| Net loans and leases to total assets | 53.3461% | 4,612 |
| Net loans and leases to deposits | 60.1324% | 4,851 |
| Net loans and leases to core deposits | 64.7621% | 4,751 |
| Total domestic deposits to total assets | 88.7144% | 1,523 |
| Equity capital to assets | 10.7670% | 3,128 |
| Core capital (leverage) ratio | 11.3517% | 2,117 |
| Tier 1 risk-based capital ratio | 17.9630% | 2,258 |
| Total risk-based capital ratio | 19.2218% | 2,221 |
| Memoranda: | ||
| Average total assets | $73,560,330 | 5,296 |
| Average earning assets | $67,517,000 | 5,283 |
| Average equity | $7,682,330 | 5,348 |
| Average total loans | $40,610,670 | 5,248 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 2,341 |
| Cost of funding earning assets | 0.5228% | 2,682 |
| Net interest margin | 3.8256% | 2,363 |
| Noninterest income to average assets | 0.4370% | 3,888 |
| Noninterest expense to average assets | 2.7533% | 3,735 |
| Loan and lease loss provision to assets | 0.1639% | 1,484 |
| Net operating income to assets | 0.6829% | 3,767 |
| Return on assets (ROA) | 0.6829% | 3,844 |
| Pretax return on assets | 1.0379% | 3,177 |
| Return on Equity (ROE) | 6.6428% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.6428% | 2,213 |
| Net charge-offs to loans | 0.1573% | 1,774 |
| Credit loss provision to net charge-offs | 187.5000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,654 |
| Efficiency ratio | 69.6133% | 3,893 |
| Assets per employee ($millions) | 4.8850% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0523% | 1,412 |
| Loan loss allowance to noncurrent loans | 23.3722% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 4.9894% | 407 |
| Noncurrent loans to loans | 8.7811% | 138 |
| Net loans and leases to total assets | 53.5380% | 4,482 |
| Net loans and leases to deposits | 60.0904% | 4,752 |
| Net loans and leases to core deposits | 65.0839% | 4,592 |
| Total domestic deposits to total assets | 89.0959% | 1,592 |
| Equity capital to assets | 10.5029% | 3,242 |
| Core capital (leverage) ratio | 11.0871% | 2,314 |
| Tier 1 risk-based capital ratio | 17.9246% | 2,329 |
| Total risk-based capital ratio | 19.1818% | 2,304 |
| Memoranda: | ||
| Average total assets | $73,222,500 | 5,361 |
| Average earning assets | $67,336,000 | 5,341 |
| Average equity | $7,527,000 | 5,413 |
| Average total loans | $40,681,000 | 5,292 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 2,696 |
| Cost of funding earning assets | 0.5849% | 2,790 |
| Net interest margin | 3.7835% | 2,715 |
| Noninterest income to average assets | 0.4139% | 4,350 |
| Noninterest expense to average assets | 2.5499% | 4,611 |
| Loan and lease loss provision to assets | 0.3750% | 826 |
| Net operating income to assets | 0.6222% | 4,152 |
| Return on assets (ROA) | 0.6222% | 4,272 |
| Pretax return on assets | 0.9569% | 3,531 |
| Return on Equity (ROE) | 5.9123% | 4,135 |
| Retained earnings to average equity (ytd only) | 5.9123% | 2,025 |
| Net charge-offs to loans | 0.8060% | 777 |
| Credit loss provision to net charge-offs | 82.5688% | 2,972 |
| Earnings coverage of net charge-offs (x) | 2.9327% | 4,017 |
| Efficiency ratio | 65.6887% | 4,616 |
| Assets per employee ($millions) | 4.5731% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9559% | 1,660 |
| Loan loss allowance to noncurrent loans | 22.5824% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 5.0786% | 459 |
| Noncurrent loans to loans | 8.6613% | 162 |
| Net loans and leases to total assets | 55.3533% | 4,405 |
| Net loans and leases to deposits | 61.6094% | 4,764 |
| Net loans and leases to core deposits | 66.6700% | 4,638 |
| Total domestic deposits to total assets | 89.8456% | 1,157 |
| Equity capital to assets | 10.0560% | 3,685 |
| Core capital (leverage) ratio | 11.2710% | 2,143 |
| Tier 1 risk-based capital ratio | 17.3499% | 2,474 |
| Total risk-based capital ratio | 18.6069% | 2,444 |
| Memoranda: | ||
| Average total assets | $72,001,600 | 5,417 |
| Average earning assets | $65,997,200 | 5,405 |
| Average equity | $7,577,400 | 5,439 |
| Average total loans | $40,569,600 | 5,325 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 2,651 |
| Cost of funding earning assets | 0.5846% | 2,954 |
| Net interest margin | 3.7960% | 2,653 |
| Noninterest income to average assets | 0.4109% | 4,442 |
| Noninterest expense to average assets | 2.5751% | 4,477 |
| Loan and lease loss provision to assets | 0.1673% | 2,167 |
| Net operating income to assets | 0.7437% | 3,632 |
| Return on assets (ROA) | 0.7437% | 3,753 |
| Pretax return on assets | 1.1453% | 2,918 |
| Return on Equity (ROE) | 6.9877% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.9877% | 1,885 |
| Net charge-offs to loans | 0.4688% | 1,370 |
| Credit loss provision to net charge-offs | 63.3803% | 3,219 |
| Earnings coverage of net charge-offs (x) | 4.9718% | 3,312 |
| Efficiency ratio | 66.2363% | 4,441 |
| Assets per employee ($millions) | 4.6825% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9926% | 1,738 |
| Loan loss allowance to noncurrent loans | 21.2605% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 5.6082% | 456 |
| Noncurrent loans to loans | 9.3725% | 158 |
| Net loans and leases to total assets | 56.9315% | 4,181 |
| Net loans and leases to deposits | 63.8668% | 4,535 |
| Net loans and leases to core deposits | 69.3942% | 4,384 |
| Total domestic deposits to total assets | 89.1411% | 1,487 |
| Equity capital to assets | 10.7365% | 3,026 |
| Core capital (leverage) ratio | 11.2433% | 2,257 |
| Tier 1 risk-based capital ratio | 17.7359% | 2,426 |
| Total risk-based capital ratio | 19.0132% | 2,385 |
| Memoranda: | ||
| Average total assets | $71,709,500 | 5,482 |
| Average earning assets | $65,681,250 | 5,466 |
| Average equity | $7,632,250 | 5,487 |
| Average total loans | $40,384,500 | 5,383 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 2,824 |
| Cost of funding earning assets | 0.5869% | 3,061 |
| Net interest margin | 3.7455% | 2,779 |
| Noninterest income to average assets | 0.4017% | 4,516 |
| Noninterest expense to average assets | 2.5346% | 4,609 |
| Loan and lease loss provision to assets | 0.1662% | 2,247 |
| Net operating income to assets | 0.7313% | 3,665 |
| Return on assets (ROA) | 0.7313% | 3,823 |
| Pretax return on assets | 1.1302% | 2,973 |
| Return on Equity (ROE) | 6.8905% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.8905% | 1,937 |
| Net charge-offs to loans | 0.7007% | 935 |
| Credit loss provision to net charge-offs | 42.5532% | 3,370 |
| Earnings coverage of net charge-offs (x) | 3.3191% | 3,428 |
| Efficiency ratio | 66.1605% | 4,524 |
| Assets per employee ($millions) | 4.8587% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9567% | 1,948 |
| Loan loss allowance to noncurrent loans | 23.1405% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 4.8065% | 652 |
| Noncurrent loans to loans | 8.4556% | 226 |
| Net loans and leases to total assets | 53.9023% | 4,601 |
| Net loans and leases to deposits | 60.3413% | 4,936 |
| Net loans and leases to core deposits | 65.3340% | 4,761 |
| Total domestic deposits to total assets | 89.3290% | 1,429 |
| Equity capital to assets | 10.3279% | 3,517 |
| Core capital (leverage) ratio | 10.9888% | 2,364 |
| Tier 1 risk-based capital ratio | 17.3079% | 2,590 |
| Total risk-based capital ratio | 18.5844% | 2,548 |
| Memoranda: | ||
| Average total assets | $72,200,330 | 5,506 |
| Average earning assets | $66,105,330 | 5,491 |
| Average equity | $7,662,670 | 5,522 |
| Average total loans | $40,246,000 | 5,416 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 2,793 |
| Cost of funding earning assets | 0.5914% | 3,185 |
| Net interest margin | 3.7314% | 2,729 |
| Noninterest income to average assets | 0.4175% | 4,326 |
| Noninterest expense to average assets | 2.5828% | 4,457 |
| Loan and lease loss provision to assets | 0.1670% | 2,190 |
| Net operating income to assets | 0.6958% | 3,707 |
| Return on assets (ROA) | 0.6958% | 3,852 |
| Pretax return on assets | 1.0743% | 3,048 |
| Return on Equity (ROE) | 6.4679% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.4679% | 2,421 |
| Net charge-offs to loans | 0.6149% | 989 |
| Credit loss provision to net charge-offs | 48.3871% | 2,623 |
| Earnings coverage of net charge-offs (x) | 3.5968% | 2,731 |
| Efficiency ratio | 67.5400% | 4,400 |
| Assets per employee ($millions) | 5.1586% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0822% | 1,837 |
| Loan loss allowance to noncurrent loans | 23.1795% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 5.1412% | 696 |
| Noncurrent loans to loans | 8.9831% | 266 |
| Net loans and leases to total assets | 54.3041% | 4,356 |
| Net loans and leases to deposits | 61.0974% | 4,673 |
| Net loans and leases to core deposits | 65.9520% | 4,537 |
| Total domestic deposits to total assets | 88.8814% | 1,747 |
| Equity capital to assets | 10.7725% | 3,231 |
| Core capital (leverage) ratio | 10.8188% | 2,437 |
| Tier 1 risk-based capital ratio | 17.2185% | 2,670 |
| Total risk-based capital ratio | 18.4956% | 2,630 |
| Memoranda: | ||
| Average total assets | $71,860,500 | 5,566 |
| Average earning assets | $65,605,500 | 5,558 |
| Average equity | $7,730,500 | 5,574 |
| Average total loans | $40,335,000 | 5,450 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5735% | 3,104 |
| Cost of funding earning assets | 0.7029% | 3,471 |
| Net interest margin | 3.8707% | 2,944 |
| Noninterest income to average assets | 0.5170% | 3,790 |
| Noninterest expense to average assets | 2.5702% | 4,856 |
| Loan and lease loss provision to assets | 0.3653% | 1,800 |
| Net operating income to assets | 0.7202% | 3,638 |
| Return on assets (ROA) | 0.7202% | 3,895 |
| Pretax return on assets | 1.1179% | 3,087 |
| Return on Equity (ROE) | 6.6242% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.6242% | 1,755 |
| Net charge-offs to loans | 0.0392% | 5,369 |
| Credit loss provision to net charge-offs | 1,550.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 62.9375% | 571 |
| Efficiency ratio | 63.4084% | 4,994 |
| Assets per employee ($millions) | 5.1071% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1297% | 1,690 |
| Loan loss allowance to noncurrent loans | 24.2297% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 5.2084% | 732 |
| Noncurrent loans to loans | 8.7894% | 307 |
| Net loans and leases to total assets | 55.5972% | 4,363 |
| Net loans and leases to deposits | 62.5878% | 4,711 |
| Net loans and leases to core deposits | 67.2828% | 4,617 |
| Total domestic deposits to total assets | 88.8308% | 1,688 |
| Equity capital to assets | 10.7427% | 3,227 |
| Core capital (leverage) ratio | 11.2888% | 2,023 |
| Tier 1 risk-based capital ratio | 16.9252% | 2,691 |
| Total risk-based capital ratio | 18.2033% | 2,638 |
| Memoranda: | ||
| Average total assets | $67,894,000 | 5,676 |
| Average earning assets | $62,030,600 | 5,667 |
| Average equity | $7,382,000 | 5,668 |
| Average total loans | $40,778,000 | 5,467 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 3,215 |
| Cost of funding earning assets | 0.7316% | 3,500 |
| Net interest margin | 3.8649% | 3,052 |
| Noninterest income to average assets | 0.4697% | 4,137 |
| Noninterest expense to average assets | 2.6470% | 4,577 |
| Loan and lease loss provision to assets | 0.4040% | 1,585 |
| Net operating income to assets | 0.6130% | 4,334 |
| Return on assets (ROA) | 0.6130% | 4,589 |
| Pretax return on assets | 0.9513% | 3,913 |
| Return on Equity (ROE) | 5.6199% | 4,522 |
| Retained earnings to average equity (ytd only) | 5.6199% | 2,944 |
| Net charge-offs to loans | -0.1045% | 6,864 |
| Credit loss provision to net charge-offs | -634.3750% | 6,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1363% | 4,424 |
| Assets per employee ($millions) | 4.6658% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0992% | 1,908 |
| Loan loss allowance to noncurrent loans | 25.5896% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 5.3995% | 797 |
| Noncurrent loans to loans | 8.2031% | 370 |
| Net loans and leases to total assets | 61.9739% | 3,382 |
| Net loans and leases to deposits | 70.3191% | 3,855 |
| Net loans and leases to core deposits | 76.1140% | 3,712 |
| Total domestic deposits to total assets | 88.1325% | 1,966 |
| Equity capital to assets | 11.5032% | 2,735 |
| Core capital (leverage) ratio | 11.4687% | 2,008 |
| Tier 1 risk-based capital ratio | 16.8725% | 2,795 |
| Total risk-based capital ratio | 18.1524% | 2,744 |
| Memoranda: | ||
| Average total assets | $66,992,500 | 5,775 |
| Average earning assets | $61,232,750 | 5,758 |
| Average equity | $7,307,250 | 5,745 |
| Average total loans | $40,818,250 | 5,534 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 3,767 |
| Cost of funding earning assets | 0.7552% | 3,564 |
| Net interest margin | 3.7438% | 3,619 |
| Noninterest income to average assets | 0.4500% | 4,288 |
| Noninterest expense to average assets | 2.6144% | 4,726 |
| Loan and lease loss provision to assets | 0.5122% | 1,226 |
| Net operating income to assets | 0.4915% | 4,857 |
| Return on assets (ROA) | 0.4915% | 5,109 |
| Pretax return on assets | 0.7432% | 4,688 |
| Return on Equity (ROE) | 4.5867% | 5,000 |
| Retained earnings to average equity (ytd only) | 4.5867% | 3,555 |
| Net charge-offs to loans | -0.0492% | 6,662 |
| Credit loss provision to net charge-offs | -1,730.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5593% | 4,222 |
| Assets per employee ($millions) | 4.7248% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9481% | 2,380 |
| Loan loss allowance to noncurrent loans | 23.8457% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 5.4394% | 827 |
| Noncurrent loans to loans | 8.1694% | 414 |
| Net loans and leases to total assets | 62.0920% | 3,412 |
| Net loans and leases to deposits | 70.1378% | 3,868 |
| Net loans and leases to core deposits | 75.8248% | 3,783 |
| Total domestic deposits to total assets | 88.5286% | 1,797 |
| Equity capital to assets | 11.1630% | 2,934 |
| Core capital (leverage) ratio | 10.9659% | 2,335 |
| Tier 1 risk-based capital ratio | 16.3131% | 2,998 |
| Total risk-based capital ratio | 17.5899% | 2,964 |
| Memoranda: | ||
| Average total assets | $67,549,670 | 5,794 |
| Average earning assets | $61,702,330 | 5,776 |
| Average equity | $7,238,330 | 5,773 |
| Average total loans | $40,641,000 | 5,571 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 5,103 |
| Cost of funding earning assets | 0.7836% | 3,598 |
| Net interest margin | 3.4169% | 5,043 |
| Noninterest income to average assets | 0.4044% | 4,636 |
| Noninterest expense to average assets | 2.5963% | 4,829 |
| Loan and lease loss provision to assets | 0.8381% | 560 |
| Net operating income to assets | -0.1758% | 6,606 |
| Return on assets (ROA) | -0.1758% | 6,665 |
| Pretax return on assets | 0.0879% | 6,401 |
| Return on Equity (ROE) | -1.6747% | 6,664 |
| Retained earnings to average equity (ytd only) | -1.6747% | 6,236 |
| Net charge-offs to loans | 0.2499% | 2,672 |
| Credit loss provision to net charge-offs | 572.0000% | 594 |
| Earnings coverage of net charge-offs (x) | 6.3200% | 2,230 |
| Efficiency ratio | 73.7105% | 3,139 |
| Assets per employee ($millions) | 4.8871% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 2,794 |
| Loan loss allowance to noncurrent loans | 22.8685% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 5.1608% | 991 |
| Noncurrent loans to loans | 8.1497% | 469 |
| Net loans and leases to total assets | 57.7974% | 4,068 |
| Net loans and leases to deposits | 64.8013% | 4,510 |
| Net loans and leases to core deposits | 69.7713% | 4,453 |
| Total domestic deposits to total assets | 89.1918% | 1,566 |
| Equity capital to assets | 10.4151% | 3,600 |
| Core capital (leverage) ratio | 10.7212% | 2,527 |
| Tier 1 risk-based capital ratio | 16.0206% | 3,168 |
| Total risk-based capital ratio | 17.2844% | 3,123 |
| Memoranda: | ||
| Average total assets | $68,251,000 | 5,818 |
| Average earning assets | $62,279,000 | 5,804 |
| Average equity | $7,165,500 | 5,818 |
| Average total loans | $40,017,500 | 5,642 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0257% | 2,776 |
| Cost of funding earning assets | 1.1587% | 2,289 |
| Net interest margin | 3.8670% | 3,481 |
| Noninterest income to average assets | 0.5559% | 3,464 |
| Noninterest expense to average assets | 2.5828% | 5,160 |
| Loan and lease loss provision to assets | 0.1858% | 4,333 |
| Net operating income to assets | 0.8470% | 2,839 |
| Return on assets (ROA) | 0.8470% | 2,993 |
| Pretax return on assets | 1.2806% | 2,202 |
| Return on Equity (ROE) | 7.9506% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.9506% | 1,097 |
| Net charge-offs to loans | 0.1654% | 4,824 |
| Credit loss provision to net charge-offs | 181.8182% | 1,422 |
| Earnings coverage of net charge-offs (x) | 14.3485% | 1,463 |
| Efficiency ratio | 63.7859% | 5,163 |
| Assets per employee ($millions) | 4.8630% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 3,615 |
| Loan loss allowance to noncurrent loans | 18.5849% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 5.4141% | 952 |
| Noncurrent loans to loans | 8.5709% | 434 |
| Net loans and leases to total assets | 57.4396% | 4,474 |
| Net loans and leases to deposits | 64.5484% | 4,930 |
| Net loans and leases to core deposits | 70.1503% | 4,760 |
| Total domestic deposits to total assets | 88.9868% | 1,543 |
| Equity capital to assets | 10.5828% | 3,439 |
| Core capital (leverage) ratio | 11.0974% | 2,196 |
| Tier 1 risk-based capital ratio | 16.4066% | 2,858 |
| Total risk-based capital ratio | 17.6795% | 2,816 |
| Memoranda: | ||
| Average total assets | $64,581,000 | 5,909 |
| Average earning assets | $58,340,200 | 5,919 |
| Average equity | $6,880,000 | 5,897 |
| Average total loans | $39,903,200 | 5,698 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1083% | 2,569 |
| Cost of funding earning assets | 1.2266% | 2,150 |
| Net interest margin | 3.8816% | 3,474 |
| Noninterest income to average assets | 0.5839% | 3,272 |
| Noninterest expense to average assets | 2.5806% | 5,150 |
| Loan and lease loss provision to assets | 0.1884% | 4,145 |
| Net operating income to assets | 0.8727% | 2,849 |
| Return on assets (ROA) | 0.8727% | 3,000 |
| Pretax return on assets | 1.3185% | 2,227 |
| Return on Equity (ROE) | 8.1778% | 2,975 |
| Retained earnings to average equity (ytd only) | 8.1778% | 1,437 |
| Net charge-offs to loans | 0.1969% | 4,224 |
| Credit loss provision to net charge-offs | 152.5424% | 2,039 |
| Earnings coverage of net charge-offs (x) | 12.2042% | 1,731 |
| Efficiency ratio | 63.1336% | 5,214 |
| Assets per employee ($millions) | 4.9209% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 3,982 |
| Loan loss allowance to noncurrent loans | 30.4391% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 3.6485% | 1,722 |
| Noncurrent loans to loans | 5.0095% | 1,241 |
| Net loans and leases to total assets | 61.5801% | 3,818 |
| Net loans and leases to deposits | 69.6536% | 4,351 |
| Net loans and leases to core deposits | 76.5318% | 4,128 |
| Total domestic deposits to total assets | 88.4090% | 1,807 |
| Equity capital to assets | 11.0595% | 3,084 |
| Core capital (leverage) ratio | 11.0284% | 2,364 |
| Tier 1 risk-based capital ratio | 16.0247% | 3,107 |
| Total risk-based capital ratio | 17.2973% | 3,055 |
| Memoranda: | ||
| Average total assets | $63,705,750 | 5,973 |
| Average earning assets | $57,500,250 | 5,991 |
| Average equity | $6,798,750 | 5,966 |
| Average total loans | $39,944,250 | 5,748 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 2,127 |
| Cost of funding earning assets | 1.2723% | 2,106 |
| Net interest margin | 3.9617% | 3,028 |
| Noninterest income to average assets | 0.5785% | 3,280 |
| Noninterest expense to average assets | 2.5936% | 5,218 |
| Loan and lease loss provision to assets | 0.1886% | 4,032 |
| Net operating income to assets | 0.9337% | 2,499 |
| Return on assets (ROA) | 0.9337% | 2,604 |
| Pretax return on assets | 1.4084% | 1,774 |
| Return on Equity (ROE) | 8.8569% | 2,574 |
| Retained earnings to average equity (ytd only) | 8.8569% | 1,152 |
| Net charge-offs to loans | 0.2655% | 3,561 |
| Credit loss provision to net charge-offs | 113.2075% | 2,707 |
| Earnings coverage of net charge-offs (x) | 9.5849% | 1,907 |
| Efficiency ratio | 61.8905% | 5,599 |
| Assets per employee ($millions) | 4.9895% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 4,210 |
| Loan loss allowance to noncurrent loans | 38.8704% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 2.8290% | 2,370 |
| Noncurrent loans to loans | 3.8147% | 1,827 |
| Net loans and leases to total assets | 59.9232% | 4,286 |
| Net loans and leases to deposits | 67.4370% | 4,791 |
| Net loans and leases to core deposits | 74.0258% | 4,581 |
| Total domestic deposits to total assets | 88.8581% | 1,627 |
| Equity capital to assets | 10.6702% | 3,316 |
| Core capital (leverage) ratio | 10.7865% | 2,436 |
| Tier 1 risk-based capital ratio | 15.6779% | 3,144 |
| Total risk-based capital ratio | 16.9493% | 3,103 |
| Memoranda: | ||
| Average total assets | $63,617,000 | 6,026 |
| Average earning assets | $58,005,000 | 6,023 |
| Average equity | $6,706,670 | 6,016 |
| Average total loans | $39,924,330 | 5,800 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2515% | 2,044 |
| Cost of funding earning assets | 1.3371% | 1,963 |
| Net interest margin | 3.9144% | 3,070 |
| Noninterest income to average assets | 0.4889% | 3,977 |
| Noninterest expense to average assets | 2.5717% | 5,323 |
| Loan and lease loss provision to assets | 0.1905% | 3,721 |
| Net operating income to assets | 0.8699% | 2,706 |
| Return on assets (ROA) | 0.8699% | 2,764 |
| Pretax return on assets | 1.3144% | 1,995 |
| Return on Equity (ROE) | 8.3037% | 2,774 |
| Retained earnings to average equity (ytd only) | 8.3037% | 1,615 |
| Net charge-offs to loans | -0.1096% | 7,115 |
| Credit loss provision to net charge-offs | -272.7273% | 5,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0841% | 5,509 |
| Assets per employee ($millions) | 4.4791% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 3,889 |
| Loan loss allowance to noncurrent loans | 74.8792% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.5836% | 3,870 |
| Noncurrent loans to loans | 2.0903% | 3,455 |
| Net loans and leases to total assets | 62.1813% | 3,815 |
| Net loans and leases to deposits | 70.0111% | 4,340 |
| Net loans and leases to core deposits | 76.6352% | 4,217 |
| Total domestic deposits to total assets | 88.8162% | 1,884 |
| Equity capital to assets | 10.6097% | 3,073 |
| Core capital (leverage) ratio | 10.8308% | 2,332 |
| Tier 1 risk-based capital ratio | 15.3961% | 3,214 |
| Total risk-based capital ratio | 16.6697% | 3,157 |
| Memoranda: | ||
| Average total assets | $62,994,000 | 6,094 |
| Average earning assets | $57,736,000 | 6,075 |
| Average equity | $6,599,500 | 6,061 |
| Average total loans | $40,160,000 | 5,844 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6199% | 1,818 |
| Cost of funding earning assets | 1.6241% | 1,931 |
| Net interest margin | 3.9958% | 3,039 |
| Noninterest income to average assets | 0.5989% | 3,487 |
| Noninterest expense to average assets | 2.7269% | 4,866 |
| Loan and lease loss provision to assets | 0.2624% | 4,693 |
| Net operating income to assets | 0.8310% | 2,667 |
| Return on assets (ROA) | 0.8310% | 2,808 |
| Pretax return on assets | 1.2600% | 2,044 |
| Return on Equity (ROE) | 7.7541% | 2,796 |
| Retained earnings to average equity (ytd only) | 7.7541% | 1,057 |
| Net charge-offs to loans | 0.1633% | 5,356 |
| Credit loss provision to net charge-offs | 236.3636% | 1,237 |
| Earnings coverage of net charge-offs (x) | 13.7121% | 1,393 |
| Efficiency ratio | 64.1726% | 5,320 |
| Assets per employee ($millions) | 4.5201% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 4,414 |
| Loan loss allowance to noncurrent loans | 56.5430% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.7051% | 3,740 |
| Noncurrent loans to loans | 2.5155% | 3,012 |
| Net loans and leases to total assets | 63.4140% | 3,986 |
| Net loans and leases to deposits | 71.2632% | 4,642 |
| Net loans and leases to core deposits | 79.2155% | 4,317 |
| Total domestic deposits to total assets | 88.9856% | 1,670 |
| Equity capital to assets | 10.3443% | 3,334 |
| Core capital (leverage) ratio | 10.5246% | 2,532 |
| Tier 1 risk-based capital ratio | 14.7555% | 3,394 |
| Total risk-based capital ratio | 16.0274% | 3,334 |
| Memoranda: | ||
| Average total assets | $59,445,200 | 6,224 |
| Average earning assets | $54,307,000 | 6,201 |
| Average equity | $6,370,800 | 6,242 |
| Average total loans | $40,408,200 | 5,907 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7156% | 1,665 |
| Cost of funding earning assets | 1.6841% | 1,950 |
| Net interest margin | 4.0314% | 2,949 |
| Noninterest income to average assets | 0.6087% | 3,382 |
| Noninterest expense to average assets | 2.7584% | 4,647 |
| Loan and lease loss provision to assets | 0.2850% | 4,294 |
| Net operating income to assets | 0.8161% | 2,933 |
| Return on assets (ROA) | 0.8161% | 3,077 |
| Pretax return on assets | 1.2379% | 2,370 |
| Return on Equity (ROE) | 7.5442% | 3,086 |
| Retained earnings to average equity (ytd only) | 7.5442% | 1,578 |
| Net charge-offs to loans | 0.1686% | 4,960 |
| Credit loss provision to net charge-offs | 245.0980% | 1,369 |
| Earnings coverage of net charge-offs (x) | 13.0976% | 1,618 |
| Efficiency ratio | 64.4302% | 5,167 |
| Assets per employee ($millions) | 4.3991% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 4,614 |
| Loan loss allowance to noncurrent loans | 114.8980% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 5,326 |
| Noncurrent loans to loans | 1.1940% | 4,852 |
| Net loans and leases to total assets | 65.7173% | 3,751 |
| Net loans and leases to deposits | 73.9589% | 4,517 |
| Net loans and leases to core deposits | 82.0458% | 4,243 |
| Total domestic deposits to total assets | 88.8566% | 1,476 |
| Equity capital to assets | 10.5865% | 3,425 |
| Core capital (leverage) ratio | 10.5875% | 2,606 |
| Tier 1 risk-based capital ratio | 14.6895% | 3,401 |
| Total risk-based capital ratio | 15.9592% | 3,370 |
| Memoranda: | ||
| Average total assets | $58,486,250 | 6,326 |
| Average earning assets | $53,280,000 | 6,318 |
| Average equity | $6,327,000 | 6,344 |
| Average total loans | $40,333,250 | 5,991 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7630% | 1,523 |
| Cost of funding earning assets | 1.7160% | 2,037 |
| Net interest margin | 4.0470% | 2,805 |
| Noninterest income to average assets | 0.5848% | 3,449 |
| Noninterest expense to average assets | 2.8371% | 4,326 |
| Loan and lease loss provision to assets | 0.2089% | 4,785 |
| Net operating income to assets | 0.8250% | 2,847 |
| Return on assets (ROA) | 0.8250% | 2,998 |
| Pretax return on assets | 1.2497% | 2,258 |
| Return on Equity (ROE) | 7.5687% | 3,078 |
| Retained earnings to average equity (ytd only) | 7.5687% | 1,613 |
| Net charge-offs to loans | 0.0549% | 5,614 |
| Credit loss provision to net charge-offs | 545.4545% | 676 |
| Earnings coverage of net charge-offs (x) | 38.0909% | 757 |
| Efficiency ratio | 66.0454% | 4,973 |
| Assets per employee ($millions) | 4.2563% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 4,826 |
| Loan loss allowance to noncurrent loans | 144.2359% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 5,695 |
| Noncurrent loans to loans | 0.9116% | 5,456 |
| Net loans and leases to total assets | 67.7603% | 3,437 |
| Net loans and leases to deposits | 76.4094% | 4,258 |
| Net loans and leases to core deposits | 85.1261% | 3,970 |
| Total domestic deposits to total assets | 88.6806% | 1,615 |
| Equity capital to assets | 10.7455% | 3,130 |
| Core capital (leverage) ratio | 10.9278% | 2,299 |
| Tier 1 risk-based capital ratio | 14.5450% | 3,421 |
| Total risk-based capital ratio | 15.7715% | 3,398 |
| Memoranda: | ||
| Average total assets | $57,452,330 | 6,419 |
| Average earning assets | $52,680,670 | 6,380 |
| Average equity | $6,262,670 | 6,387 |
| Average total loans | $40,098,670 | 6,047 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7567% | 1,604 |
| Cost of funding earning assets | 1.7547% | 2,104 |
| Net interest margin | 4.0020% | 2,863 |
| Noninterest income to average assets | 0.5392% | 3,740 |
| Noninterest expense to average assets | 2.8022% | 4,471 |
| Loan and lease loss provision to assets | 0.2128% | 4,383 |
| Net operating income to assets | 0.8016% | 2,954 |
| Return on assets (ROA) | 0.8016% | 3,057 |
| Pretax return on assets | 1.2131% | 2,318 |
| Return on Equity (ROE) | 7.2992% | 3,206 |
| Retained earnings to average equity (ytd only) | 7.2992% | 2,017 |
| Net charge-offs to loans | -0.0705% | 7,445 |
| Credit loss provision to net charge-offs | -428.5714% | 6,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2752% | 5,058 |
| Assets per employee ($millions) | 4.0702% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 4,751 |
| Loan loss allowance to noncurrent loans | 650.6173% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 7,126 |
| Noncurrent loans to loans | 0.2054% | 6,929 |
| Net loans and leases to total assets | 68.2747% | 3,313 |
| Net loans and leases to deposits | 77.1542% | 4,190 |
| Net loans and leases to core deposits | 86.4287% | 3,835 |
| Total domestic deposits to total assets | 88.4913% | 1,792 |
| Equity capital to assets | 10.9963% | 2,767 |
| Core capital (leverage) ratio | 11.0855% | 2,173 |
| Tier 1 risk-based capital ratio | 14.8638% | 3,174 |
| Total risk-based capital ratio | 16.1138% | 3,135 |
| Memoranda: | ||
| Average total assets | $56,384,500 | 6,520 |
| Average earning assets | $51,974,000 | 6,476 |
| Average equity | $6,192,500 | 6,458 |
| Average total loans | $39,690,500 | 6,136 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2442% | 1,133 |
| Cost of funding earning assets | 2.3445% | 1,481 |
| Net interest margin | 3.8997% | 3,271 |
| Noninterest income to average assets | 0.6764% | 3,110 |
| Noninterest expense to average assets | 2.9970% | 4,156 |
| Loan and lease loss provision to assets | 0.4731% | 3,991 |
| Net operating income to assets | 0.5337% | 3,598 |
| Return on assets (ROA) | 0.5337% | 3,694 |
| Pretax return on assets | 0.8094% | 3,212 |
| Return on Equity (ROE) | 4.5483% | 3,860 |
| Retained earnings to average equity (ytd only) | 4.5483% | 2,073 |
| Net charge-offs to loans | 0.6655% | 3,187 |
| Credit loss provision to net charge-offs | 89.6296% | 6,011 |
| Earnings coverage of net charge-offs (x) | 2.4296% | 3,913 |
| Efficiency ratio | 70.0320% | 4,621 |
| Assets per employee ($millions) | 3.9847% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 5,217 |
| Loan loss allowance to noncurrent loans | 1,018.7500% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 7,284 |
| Noncurrent loans to loans | 0.1202% | 7,120 |
| Net loans and leases to total assets | 70.7346% | 3,071 |
| Net loans and leases to deposits | 79.9676% | 4,000 |
| Net loans and leases to core deposits | 123.1932% | 1,701 |
| Total domestic deposits to total assets | 88.4541% | 1,751 |
| Equity capital to assets | 10.9687% | 2,730 |
| Core capital (leverage) ratio | 11.4622% | 1,936 |
| Tier 1 risk-based capital ratio | 14.6994% | 3,098 |
| Total risk-based capital ratio | 15.8697% | 3,097 |
| Memoranda: | ||
| Average total assets | $51,151,800 | 6,662 |
| Average earning assets | $47,259,800 | 6,629 |
| Average equity | $6,002,200 | 6,602 |
| Average total loans | $40,570,800 | 6,072 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4111% | 910 |
| Cost of funding earning assets | 2.4890% | 1,336 |
| Net interest margin | 3.9221% | 3,151 |
| Noninterest income to average assets | 0.6721% | 3,204 |
| Noninterest expense to average assets | 3.0830% | 3,705 |
| Loan and lease loss provision to assets | 0.4800% | 3,498 |
| Net operating income to assets | 0.4720% | 4,111 |
| Return on assets (ROA) | 0.4720% | 4,212 |
| Pretax return on assets | 0.7147% | 3,802 |
| Return on Equity (ROE) | 3.9509% | 4,390 |
| Retained earnings to average equity (ytd only) | 3.9509% | 3,068 |
| Net charge-offs to loans | 0.6089% | 2,848 |
| Credit loss provision to net charge-offs | 96.7742% | 5,279 |
| Earnings coverage of net charge-offs (x) | 2.4086% | 4,026 |
| Efficiency ratio | 72.0698% | 4,232 |
| Assets per employee ($millions) | 3.6824% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 4,665 |
| Loan loss allowance to noncurrent loans | 543.6170% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 7,075 |
| Noncurrent loans to loans | 0.2342% | 6,914 |
| Net loans and leases to total assets | 76.8801% | 1,807 |
| Net loans and leases to deposits | 87.8939% | 2,979 |
| Net loans and leases to core deposits | 133.6368% | 1,231 |
| Total domestic deposits to total assets | 87.4692% | 1,907 |
| Equity capital to assets | 11.7627% | 2,389 |
| Core capital (leverage) ratio | 11.7935% | 1,911 |
| Tier 1 risk-based capital ratio | 14.6495% | 3,201 |
| Total risk-based capital ratio | 15.8874% | 3,155 |
| Memoranda: | ||
| Average total assets | $49,993,250 | 6,758 |
| Average earning assets | $45,960,500 | 6,737 |
| Average equity | $5,973,000 | 6,672 |
| Average total loans | $40,726,250 | 6,120 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4894% | 845 |
| Cost of funding earning assets | 2.6347% | 1,200 |
| Net interest margin | 3.8548% | 3,322 |
| Noninterest income to average assets | 0.6670% | 3,213 |
| Noninterest expense to average assets | 3.1249% | 3,599 |
| Loan and lease loss provision to assets | 0.2466% | 4,608 |
| Net operating income to assets | 0.5417% | 3,927 |
| Return on assets (ROA) | 0.5417% | 4,036 |
| Pretax return on assets | 0.8206% | 3,605 |
| Return on Equity (ROE) | 4.5098% | 4,298 |
| Retained earnings to average equity (ytd only) | 4.5098% | 2,783 |
| Net charge-offs to loans | 0.4350% | 3,066 |
| Credit loss provision to net charge-offs | 68.5393% | 5,444 |
| Earnings coverage of net charge-offs (x) | 2.9663% | 3,621 |
| Efficiency ratio | 74.5419% | 3,947 |
| Assets per employee ($millions) | 3.6719% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 5,248 |
| Loan loss allowance to noncurrent loans | 122.8643% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.7742% | 5,463 |
| Noncurrent loans to loans | 0.9392% | 5,343 |
| Net loans and leases to total assets | 81.4792% | 1,053 |
| Net loans and leases to deposits | 93.0573% | 2,261 |
| Net loans and leases to core deposits | 138.1419% | 1,100 |
| Total domestic deposits to total assets | 87.5581% | 1,991 |
| Equity capital to assets | 11.6832% | 2,398 |
| Core capital (leverage) ratio | 11.9178% | 1,867 |
| Tier 1 risk-based capital ratio | 14.0794% | 3,473 |
| Total risk-based capital ratio | 15.2257% | 3,471 |
| Memoranda: | ||
| Average total assets | $49,473,330 | 6,855 |
| Average earning assets | $45,242,670 | 6,827 |
| Average equity | $5,942,670 | 6,742 |
| Average total loans | $40,920,000 | 6,160 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5861% | 728 |
| Cost of funding earning assets | 2.7930% | 1,000 |
| Net interest margin | 3.7931% | 3,472 |
| Noninterest income to average assets | 0.6597% | 3,138 |
| Noninterest expense to average assets | 3.0099% | 3,723 |
| Loan and lease loss provision to assets | 0.1814% | 4,629 |
| Net operating income to assets | 0.6185% | 3,948 |
| Return on assets (ROA) | 0.6185% | 4,134 |
| Pretax return on assets | 0.9401% | 3,565 |
| Return on Equity (ROE) | 5.0753% | 4,445 |
| Retained earnings to average equity (ytd only) | 5.0753% | 3,076 |
| Net charge-offs to loans | 0.2588% | 3,110 |
| Credit loss provision to net charge-offs | 84.6154% | 4,114 |
| Earnings coverage of net charge-offs (x) | 5.2308% | 2,718 |
| Efficiency ratio | 72.8543% | 4,026 |
| Assets per employee ($millions) | 3.5097% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 4,443 |
| Loan loss allowance to noncurrent loans | 137.9032% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.7571% | 5,265 |
| Noncurrent loans to loans | 0.9060% | 5,189 |
| Net loans and leases to total assets | 82.5220% | 928 |
| Net loans and leases to deposits | 94.6565% | 2,158 |
| Net loans and leases to core deposits | 149.4251% | 728 |
| Total domestic deposits to total assets | 87.1805% | 2,133 |
| Equity capital to assets | 12.0950% | 2,204 |
| Core capital (leverage) ratio | 12.2098% | 1,810 |
| Tier 1 risk-based capital ratio | 14.3811% | 3,374 |
| Total risk-based capital ratio | 15.6225% | 3,303 |
| Memoranda: | ||
| Average total assets | $48,506,500 | 6,927 |
| Average earning assets | $44,396,500 | 6,907 |
| Average equity | $5,911,000 | 6,809 |
| Average total loans | $40,192,500 | 6,231 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3850% | 505 |
| Cost of funding earning assets | 3.2787% | 979 |
| Net interest margin | 4.1063% | 2,680 |
| Noninterest income to average assets | 0.6256% | 3,672 |
| Noninterest expense to average assets | 2.9903% | 4,111 |
| Loan and lease loss provision to assets | 0.6511% | 2,233 |
| Net operating income to assets | 0.6299% | 4,189 |
| Return on assets (ROA) | 0.6299% | 4,035 |
| Pretax return on assets | 0.8038% | 4,055 |
| Return on Equity (ROE) | 5.1509% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.1509% | 1,931 |
| Net charge-offs to loans | 0.4615% | 2,522 |
| Credit loss provision to net charge-offs | 180.5882% | 2,786 |
| Earnings coverage of net charge-offs (x) | 4.0353% | 4,136 |
| Efficiency ratio | 67.2710% | 4,857 |
| Assets per employee ($millions) | 2.9923% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 3,663 |
| Loan loss allowance to noncurrent loans | 99.6154% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.0861% | 4,118 |
| Noncurrent loans to loans | 1.3223% | 3,867 |
| Net loans and leases to total assets | 81.0535% | 1,424 |
| Net loans and leases to deposits | 93.4972% | 2,856 |
| Net loans and leases to core deposits | 146.7756% | 986 |
| Total domestic deposits to total assets | 86.6909% | 2,099 |
| Equity capital to assets | 12.2794% | 2,122 |
| Core capital (leverage) ratio | 12.1727% | 1,893 |
| Tier 1 risk-based capital ratio | 14.6230% | 3,244 |
| Total risk-based capital ratio | 15.8734% | 3,160 |
| Memoranda: | ||
| Average total assets | $47,153,200 | 6,893 |
| Average earning assets | $43,859,400 | 6,859 |
| Average equity | $5,766,000 | 6,888 |
| Average total loans | $36,838,000 | 6,324 |