Home > Connections Bank > Performance and Condition Ratios
Connections Bank, Performance and Condition Ratios
| 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 | 1.5383% | 4,602 |
| Cost of funding earning assets | 0.6722% | 3,828 |
| Net interest margin | 0.8661% | 4,564 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 0.7480% | 4,548 |
| Loan and lease loss provision to assets | 0.9200% | 70 |
| Net operating income to assets | -0.6424% | 4,547 |
| Return on assets (ROA) | -0.6424% | 4,537 |
| Pretax return on assets | -0.7897% | 4,537 |
| Return on Equity (ROE) | -6.3300% | 4,514 |
| Retained earnings to average equity (ytd only) | -6.3276% | 4,452 |
| Net charge-offs to loans | 0.0406% | 1,309 |
| Credit loss provision to net charge-offs | 2,561.2903% | 187 |
| Earnings coverage of net charge-offs (x) | 3.6452% | 2,432 |
| Efficiency ratio | 68.8654% | 1,922 |
| Assets per employee ($millions) | 4.6470% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7588% | 4,056 |
| Loan loss allowance to noncurrent loans | 501.9737% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 2,682 |
| Noncurrent loans to loans | 0.1512% | 2,797 |
| Net loans and leases to total assets | 85.9000% | 162 |
| Net loans and leases to deposits | 108.9691% | 222 |
| Net loans and leases to core deposits | 117.7883% | 613 |
| Total domestic deposits to total assets | 78.8300% | 3,723 |
| Equity capital to assets | 11.0059% | 1,342 |
| Core capital (leverage) ratio | 7.8783% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0540% | 2,817 |
| Memoranda: | ||
| Average total assets | $114,975,000 | 3,709 |
| Average earning assets | $104,530,250 | 3,717 |
| Average equity | $11,673,500 | 3,558 |
| Average total loans | $101,860,250 | 3,157 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1315% | 1,317 |
| Cost of funding earning assets | 1.7543% | 807 |
| Net interest margin | 3.3772% | 2,581 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.5765% | 1,988 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.5568% | 3,684 |
| Return on assets (ROA) | 0.5568% | 3,690 |
| Pretax return on assets | 0.7244% | 3,553 |
| Return on Equity (ROE) | 5.6400% | 3,772 |
| Retained earnings to average equity (ytd only) | 5.6447% | 2,743 |
| Net charge-offs to loans | 0.0020% | 2,308 |
| Credit loss provision to net charge-offs | 4,100.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 475.0000% | 313 |
| Efficiency ratio | 73.9621% | 1,349 |
| Assets per employee ($millions) | 4.5368% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 2,818 |
| Loan loss allowance to noncurrent loans | 2,096.3636% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 3,295 |
| Noncurrent loans to loans | 0.0537% | 3,318 |
| Net loans and leases to total assets | 89.3200% | 47 |
| Net loans and leases to deposits | 125.4933% | 68 |
| Net loans and leases to core deposits | 134.9105% | 264 |
| Total domestic deposits to total assets | 71.1800% | 4,323 |
| Equity capital to assets | 10.0829% | 1,809 |
| Core capital (leverage) ratio | 9.2342% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $114,575,333 | 3,727 |
| Average earning assets | $104,999,333 | 3,728 |
| Average equity | $11,302,667 | 3,603 |
| Average total loans | $102,294,333 | 3,153 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9556% | 1,314 |
| Cost of funding earning assets | 1.5659% | 741 |
| Net interest margin | 3.3897% | 2,657 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.5219% | 2,190 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.5801% | 3,729 |
| Return on assets (ROA) | 0.5801% | 3,698 |
| Pretax return on assets | 0.7538% | 3,555 |
| Return on Equity (ROE) | 5.9500% | 3,721 |
| Retained earnings to average equity (ytd only) | 5.9452% | 2,776 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.8674% | 1,453 |
| Assets per employee ($millions) | 4.8164% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,065 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 87.5500% | 85 |
| Net loans and leases to deposits | 120.6430% | 80 |
| Net loans and leases to core deposits | 129.0392% | 286 |
| Total domestic deposits to total assets | 72.5700% | 4,340 |
| Equity capital to assets | 9.8067% | 1,927 |
| Core capital (leverage) ratio | 9.0474% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $115,153,000 | 3,766 |
| Average earning assets | $105,496,500 | 3,767 |
| Average equity | $11,236,000 | 3,652 |
| Average total loans | $102,211,500 | 3,187 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6707% | 369 |
| Cost of funding earning assets | 0.4528% | 969 |
| Net interest margin | 4.2179% | 403 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.8278% | 1,192 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.9355% | 2,737 |
| Return on assets (ROA) | 0.9355% | 2,699 |
| Pretax return on assets | 1.2211% | 2,285 |
| Return on Equity (ROE) | 8.4500% | 3,186 |
| Retained earnings to average equity (ytd only) | 5.0758% | 3,074 |
| Net charge-offs to loans | 0.0078% | 1,849 |
| Credit loss provision to net charge-offs | 1,800.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 621 |
| Efficiency ratio | 66.2292% | 2,248 |
| Assets per employee ($millions) | 4.4539% | 4,090 |
| Cash dividends to net income (ytd only)* | 39.9429% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 2,793 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 87.1500% | 87 |
| Net loans and leases to deposits | 107.4711% | 160 |
| Net loans and leases to core deposits | 115.8741% | 332 |
| Total domestic deposits to total assets | 81.0900% | 3,969 |
| Equity capital to assets | 10.4150% | 1,415 |
| Core capital (leverage) ratio | 9.7479% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $99,909,750 | 3,954 |
| Average earning assets | $90,405,250 | 3,956 |
| Average equity | $11,058,750 | 3,801 |
| Average total loans | $85,936,250 | 3,343 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 288 |
| Cost of funding earning assets | 0.3377% | 1,383 |
| Net interest margin | 4.2856% | 281 |
| Noninterest income to average assets | 0.3607% | 2,990 |
| Noninterest expense to average assets | 2.9145% | 969 |
| Loan and lease loss provision to assets | 0.1230% | 805 |
| Net operating income to assets | 0.9182% | 2,502 |
| Return on assets (ROA) | 0.9182% | 2,470 |
| Pretax return on assets | 1.1990% | 2,079 |
| Return on Equity (ROE) | 8.1204% | 2,990 |
| Retained earnings to average equity (ytd only) | 3.0451% | 3,428 |
| Net charge-offs to loans | 0.0096% | 1,626 |
| Credit loss provision to net charge-offs | 1,500.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 161.2500% | 607 |
| Efficiency ratio | 67.1988% | 2,354 |
| Assets per employee ($millions) | 3.9618% | 4,385 |
| Cash dividends to net income (ytd only)* | 62.5000% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,542 |
| Loan loss allowance to noncurrent loans | 1,623.0769% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,322 |
| Noncurrent loans to loans | 0.0757% | 3,417 |
| Net loans and leases to total assets | 85.6239% | 102 |
| Net loans and leases to deposits | 102.8949% | 188 |
| Net loans and leases to core deposits | 106.2372% | 444 |
| Total domestic deposits to total assets | 83.2149% | 3,835 |
| Equity capital to assets | 11.0706% | 1,176 |
| Core capital (leverage) ratio | 10.2998% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,581,667 | 4,014 |
| Average earning assets | $88,249,000 | 4,027 |
| Average equity | $11,034,000 | 3,887 |
| Average total loans | $83,168,000 | 3,410 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 249 |
| Cost of funding earning assets | 0.3369% | 1,314 |
| Net interest margin | 4.2746% | 253 |
| Noninterest income to average assets | 0.3180% | 3,193 |
| Noninterest expense to average assets | 2.9076% | 942 |
| Loan and lease loss provision to assets | 0.1239% | 672 |
| Net operating income to assets | 0.8921% | 2,304 |
| Return on assets (ROA) | 0.8921% | 2,306 |
| Pretax return on assets | 1.1647% | 1,933 |
| Return on Equity (ROE) | 7.8059% | 2,756 |
| Retained earnings to average equity (ytd only) | 7.8059% | 1,641 |
| Net charge-offs to loans | 0.0049% | 1,582 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 312.0000% | 308 |
| Efficiency ratio | 67.6181% | 2,548 |
| Assets per employee ($millions) | 3.6283% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 86.4144% | 52 |
| Net loans and leases to deposits | 98.2784% | 224 |
| Net loans and leases to core deposits | 101.4498% | 458 |
| Total domestic deposits to total assets | 87.9281% | 2,556 |
| Equity capital to assets | 11.7899% | 1,026 |
| Core capital (leverage) ratio | 10.5072% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,849,500 | 4,034 |
| Average earning assets | $87,868,500 | 4,047 |
| Average equity | $11,068,500 | 3,948 |
| Average total loans | $81,821,000 | 3,437 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0629% | 245 |
| Cost of funding earning assets | 0.4595% | 1,132 |
| Net interest margin | 4.6034% | 226 |
| Noninterest income to average assets | 0.5106% | 2,514 |
| Noninterest expense to average assets | 2.9058% | 1,137 |
| Loan and lease loss provision to assets | 0.1981% | 550 |
| Net operating income to assets | 1.3019% | 1,593 |
| Return on assets (ROA) | 1.3019% | 1,636 |
| Pretax return on assets | 1.5350% | 1,609 |
| Return on Equity (ROE) | 10.4015% | 2,383 |
| Retained earnings to average equity (ytd only) | -6.2714% | 4,727 |
| Net charge-offs to loans | 0.0273% | 1,693 |
| Credit loss provision to net charge-offs | 890.4762% | 573 |
| Earnings coverage of net charge-offs (x) | 77.9048% | 1,015 |
| Efficiency ratio | 61.1327% | 2,978 |
| Assets per employee ($millions) | 3.8217% | 4,489 |
| Cash dividends to net income (ytd only)* | 160.2929% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 80.6087% | 242 |
| Net loans and leases to deposits | 90.9789% | 525 |
| Net loans and leases to core deposits | 93.7398% | 792 |
| Total domestic deposits to total assets | 88.6015% | 1,735 |
| Equity capital to assets | 11.0855% | 1,746 |
| Core capital (leverage) ratio | 10.4466% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,398,400 | 4,050 |
| Average earning assets | $84,655,200 | 4,072 |
| Average equity | $11,815,600 | 3,954 |
| Average total loans | $76,915,400 | 3,525 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 319 |
| Cost of funding earning assets | 0.4874% | 1,119 |
| Net interest margin | 4.4841% | 324 |
| Noninterest income to average assets | 0.5596% | 2,375 |
| Noninterest expense to average assets | 2.8897% | 1,147 |
| Loan and lease loss provision to assets | 0.1428% | 793 |
| Net operating income to assets | 1.2781% | 1,893 |
| Return on assets (ROA) | 1.2781% | 1,949 |
| Pretax return on assets | 1.5300% | 1,906 |
| Return on Equity (ROE) | 9.9090% | 2,768 |
| Retained earnings to average equity (ytd only) | 6.9130% | 2,454 |
| Net charge-offs to loans | 0.0369% | 1,345 |
| Credit loss provision to net charge-offs | 476.1905% | 780 |
| Earnings coverage of net charge-offs (x) | 55.6667% | 1,176 |
| Efficiency ratio | 61.7629% | 2,734 |
| Assets per employee ($millions) | 4.6064% | 4,043 |
| Cash dividends to net income (ytd only)* | 30.2352% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 3,128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 83.7639% | 123 |
| Net loans and leases to deposits | 97.2343% | 303 |
| Net loans and leases to core deposits | 100.8508% | 560 |
| Total domestic deposits to total assets | 86.1464% | 2,692 |
| Equity capital to assets | 13.4617% | 864 |
| Core capital (leverage) ratio | 11.7420% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,157,000 | 4,117 |
| Average earning assets | $83,165,500 | 4,143 |
| Average equity | $12,015,750 | 3,982 |
| Average total loans | $75,870,500 | 3,599 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 402 |
| Cost of funding earning assets | 0.5036% | 1,176 |
| Net interest margin | 4.3984% | 416 |
| Noninterest income to average assets | 0.5711% | 2,333 |
| Noninterest expense to average assets | 2.8898% | 1,162 |
| Loan and lease loss provision to assets | 0.1497% | 795 |
| Net operating income to assets | 1.1786% | 2,266 |
| Return on assets (ROA) | 1.1786% | 2,333 |
| Pretax return on assets | 1.4545% | 2,154 |
| Return on Equity (ROE) | 9.2706% | 3,021 |
| Retained earnings to average equity (ytd only) | 4.7279% | 3,288 |
| Net charge-offs to loans | 0.0559% | 1,061 |
| Credit loss provision to net charge-offs | 333.3333% | 841 |
| Earnings coverage of net charge-offs (x) | 35.7143% | 1,221 |
| Efficiency ratio | 62.7320% | 2,623 |
| Assets per employee ($millions) | 4.3010% | 4,254 |
| Cash dividends to net income (ytd only)* | 49.0018% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,093 |
| Loan loss allowance to noncurrent loans | 794.5946% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 3,457 |
| Noncurrent loans to loans | 0.1474% | 3,467 |
| Net loans and leases to total assets | 78.6625% | 397 |
| Net loans and leases to deposits | 90.5829% | 617 |
| Net loans and leases to core deposits | 93.5393% | 926 |
| Total domestic deposits to total assets | 86.8403% | 2,410 |
| Equity capital to assets | 12.7465% | 1,029 |
| Core capital (leverage) ratio | 11.8558% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,500,000 | 4,132 |
| Average earning assets | $83,393,333 | 4,165 |
| Average equity | $11,887,000 | 4,001 |
| Average total loans | $75,133,333 | 3,631 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9868% | 364 |
| Cost of funding earning assets | 0.5343% | 1,184 |
| Net interest margin | 4.4525% | 389 |
| Noninterest income to average assets | 0.5638% | 2,357 |
| Noninterest expense to average assets | 2.8879% | 1,181 |
| Loan and lease loss provision to assets | 0.1291% | 1,063 |
| Net operating income to assets | 1.1707% | 2,264 |
| Return on assets (ROA) | 1.1707% | 2,333 |
| Pretax return on assets | 1.5279% | 1,928 |
| Return on Equity (ROE) | 9.2203% | 2,955 |
| Retained earnings to average equity (ytd only) | 0.0678% | 4,361 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9318% | 2,768 |
| Assets per employee ($millions) | 4.4721% | 4,127 |
| Cash dividends to net income (ytd only)* | 99.2647% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 3,165 |
| Loan loss allowance to noncurrent loans | 707.3770% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 3,524 |
| Noncurrent loans to loans | 0.1635% | 3,520 |
| Net loans and leases to total assets | 78.5487% | 430 |
| Net loans and leases to deposits | 90.5074% | 674 |
| Net loans and leases to core deposits | 93.4814% | 1,014 |
| Total domestic deposits to total assets | 86.7870% | 2,396 |
| Equity capital to assets | 12.5252% | 1,073 |
| Core capital (leverage) ratio | 11.3596% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,939,000 | 4,152 |
| Average earning assets | $83,099,500 | 4,178 |
| Average equity | $11,800,000 | 4,019 |
| Average total loans | $75,043,000 | 3,654 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4103% | 214 |
| Cost of funding earning assets | 0.9982% | 597 |
| Net interest margin | 4.4121% | 393 |
| Noninterest income to average assets | 0.4695% | 2,774 |
| Noninterest expense to average assets | 2.7461% | 2,091 |
| Loan and lease loss provision to assets | 0.3003% | 1,249 |
| Net operating income to assets | 1.0396% | 2,141 |
| Return on assets (ROA) | 1.0526% | 2,234 |
| Pretax return on assets | 1.3681% | 1,761 |
| Return on Equity (ROE) | 8.3381% | 2,673 |
| Retained earnings to average equity (ytd only) | 3.6674% | 2,998 |
| Net charge-offs to loans | -0.0054% | 4,160 |
| Credit loss provision to net charge-offs | -6,875.0000% | 4,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4379% | 3,050 |
| Assets per employee ($millions) | 4.3792% | 4,030 |
| Cash dividends to net income (ytd only)* | 56.0166% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 3,444 |
| Loan loss allowance to noncurrent loans | 682.7869% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 3,622 |
| Noncurrent loans to loans | 0.1617% | 3,631 |
| Net loans and leases to total assets | 81.1424% | 356 |
| Net loans and leases to deposits | 93.7968% | 669 |
| Net loans and leases to core deposits | 96.9570% | 1,063 |
| Total domestic deposits to total assets | 86.5087% | 2,145 |
| Equity capital to assets | 12.8715% | 1,145 |
| Core capital (leverage) ratio | 11.4320% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,585,600 | 4,101 |
| Average earning assets | $81,547,600 | 4,142 |
| Average equity | $11,561,400 | 4,022 |
| Average total loans | $73,726,800 | 3,666 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3942% | 282 |
| Cost of funding earning assets | 1.1047% | 530 |
| Net interest margin | 4.2895% | 598 |
| Noninterest income to average assets | 0.3993% | 3,084 |
| Noninterest expense to average assets | 2.7281% | 2,176 |
| Loan and lease loss provision to assets | 0.2547% | 1,595 |
| Net operating income to assets | 0.9531% | 2,505 |
| Return on assets (ROA) | 0.9589% | 2,624 |
| Pretax return on assets | 1.2431% | 2,255 |
| Return on Equity (ROE) | 7.6338% | 2,942 |
| Retained earnings to average equity (ytd only) | 1.3690% | 4,128 |
| Net charge-offs to loans | -0.0073% | 4,151 |
| Credit loss provision to net charge-offs | -4,375.0000% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6632% | 2,638 |
| Assets per employee ($millions) | 4.3095% | 4,038 |
| Cash dividends to net income (ytd only)* | 82.0669% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 3,788 |
| Loan loss allowance to noncurrent loans | 531.1594% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 3,654 |
| Noncurrent loans to loans | 0.1842% | 3,652 |
| Net loans and leases to total assets | 81.9777% | 433 |
| Net loans and leases to deposits | 94.7146% | 866 |
| Net loans and leases to core deposits | 100.0000% | 1,165 |
| Total domestic deposits to total assets | 86.5523% | 1,837 |
| Equity capital to assets | 12.7935% | 1,279 |
| Core capital (leverage) ratio | 11.0113% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,491,250 | 4,108 |
| Average earning assets | $81,467,750 | 4,146 |
| Average equity | $11,492,500 | 4,039 |
| Average total loans | $73,295,000 | 3,684 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4198% | 387 |
| Cost of funding earning assets | 1.2180% | 474 |
| Net interest margin | 4.2018% | 916 |
| Noninterest income to average assets | 0.3877% | 3,158 |
| Noninterest expense to average assets | 2.7444% | 2,241 |
| Loan and lease loss provision to assets | 0.2178% | 1,916 |
| Net operating income to assets | 0.8910% | 2,724 |
| Return on assets (ROA) | 0.8996% | 2,814 |
| Pretax return on assets | 1.1631% | 2,480 |
| Return on Equity (ROE) | 7.2052% | 3,055 |
| Retained earnings to average equity (ytd only) | 2.4948% | 3,578 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7020% | 2,416 |
| Assets per employee ($millions) | 4.5066% | 3,781 |
| Cash dividends to net income (ytd only)* | 65.3753% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 4,104 |
| Loan loss allowance to noncurrent loans | 660.6061% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 4,011 |
| Noncurrent loans to loans | 0.1325% | 3,926 |
| Net loans and leases to total assets | 78.2677% | 819 |
| Net loans and leases to deposits | 89.8996% | 1,363 |
| Net loans and leases to core deposits | 96.5069% | 1,536 |
| Total domestic deposits to total assets | 87.0612% | 1,595 |
| Equity capital to assets | 12.2731% | 1,497 |
| Core capital (leverage) ratio | 10.7132% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,822,000 | 4,099 |
| Average earning assets | $81,441,667 | 4,149 |
| Average equity | $11,464,000 | 4,050 |
| Average total loans | $72,752,667 | 3,700 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5495% | 334 |
| Cost of funding earning assets | 1.3046% | 557 |
| Net interest margin | 4.2449% | 838 |
| Noninterest income to average assets | 0.3230% | 3,589 |
| Noninterest expense to average assets | 2.7739% | 2,501 |
| Loan and lease loss provision to assets | 0.1991% | 1,523 |
| Net operating income to assets | 0.8496% | 2,713 |
| Return on assets (ROA) | 0.8671% | 2,734 |
| Pretax return on assets | 1.1149% | 2,464 |
| Return on Equity (ROE) | 6.8841% | 3,000 |
| Retained earnings to average equity (ytd only) | -2.5991% | 4,309 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2263% | 2,630 |
| Assets per employee ($millions) | 4.3523% | 3,476 |
| Cash dividends to net income (ytd only)* | 137.7551% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8360% | 4,314 |
| Loan loss allowance to noncurrent loans | 831.9444% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 4,212 |
| Noncurrent loans to loans | 0.1005% | 4,103 |
| Net loans and leases to total assets | 77.7426% | 1,016 |
| Net loans and leases to deposits | 89.4090% | 1,581 |
| Net loans and leases to core deposits | 99.2430% | 1,533 |
| Total domestic deposits to total assets | 86.9517% | 1,579 |
| Equity capital to assets | 12.4629% | 1,756 |
| Core capital (leverage) ratio | 10.9505% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,414,000 | 4,115 |
| Average earning assets | $79,718,500 | 4,174 |
| Average equity | $11,388,500 | 4,082 |
| Average total loans | $71,766,500 | 3,733 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5879% | 487 |
| Cost of funding earning assets | 1.3149% | 744 |
| Net interest margin | 4.2730% | 1,159 |
| Noninterest income to average assets | 0.3368% | 3,694 |
| Noninterest expense to average assets | 2.7731% | 2,684 |
| Loan and lease loss provision to assets | 0.2765% | 638 |
| Net operating income to assets | 0.8755% | 3,296 |
| Return on assets (ROA) | 0.8728% | 3,397 |
| Pretax return on assets | 1.1186% | 3,112 |
| Return on Equity (ROE) | 6.9048% | 3,582 |
| Retained earnings to average equity (ytd only) | 2.8447% | 3,618 |
| Net charge-offs to loans | 0.0451% | 2,481 |
| Credit loss provision to net charge-offs | 783.8710% | 419 |
| Earnings coverage of net charge-offs (x) | 39.6452% | 1,322 |
| Efficiency ratio | 64.6754% | 2,978 |
| Assets per employee ($millions) | 4.2585% | 3,570 |
| Cash dividends to net income (ytd only)* | 58.8005% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 4,391 |
| Loan loss allowance to noncurrent loans | 517.7570% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 4,039 |
| Noncurrent loans to loans | 0.1489% | 3,930 |
| Net loans and leases to total assets | 79.7549% | 818 |
| Net loans and leases to deposits | 91.9159% | 1,378 |
| Net loans and leases to core deposits | 103.4791% | 1,272 |
| Total domestic deposits to total assets | 86.7694% | 1,718 |
| Equity capital to assets | 12.7319% | 1,688 |
| Core capital (leverage) ratio | 11.1817% | 2,354 |
| Tier 1 risk-based capital ratio | 16.1876% | 2,336 |
| Total risk-based capital ratio | 17.1044% | 2,403 |
| Memoranda: | ||
| Average total assets | $87,881,000 | 4,170 |
| Average earning assets | $78,867,400 | 4,204 |
| Average equity | $11,108,200 | 4,112 |
| Average total loans | $68,702,800 | 3,799 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5544% | 532 |
| Cost of funding earning assets | 1.3142% | 754 |
| Net interest margin | 4.2401% | 1,282 |
| Noninterest income to average assets | 0.3429% | 3,676 |
| Noninterest expense to average assets | 2.7887% | 2,589 |
| Loan and lease loss provision to assets | 0.2789% | 544 |
| Net operating income to assets | 0.8356% | 3,561 |
| Return on assets (ROA) | 0.8320% | 3,650 |
| Pretax return on assets | 1.0713% | 3,372 |
| Return on Equity (ROE) | 6.5948% | 3,844 |
| Retained earnings to average equity (ytd only) | 1.1474% | 4,529 |
| Net charge-offs to loans | 0.0609% | 1,945 |
| Credit loss provision to net charge-offs | 590.3226% | 550 |
| Earnings coverage of net charge-offs (x) | 28.6789% | 1,678 |
| Efficiency ratio | 65.4652% | 2,799 |
| Assets per employee ($millions) | 4.2218% | 3,585 |
| Cash dividends to net income (ytd only)* | 82.6012% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6975% | 4,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 79.4940% | 914 |
| Net loans and leases to deposits | 94.5822% | 1,163 |
| Net loans and leases to core deposits | 105.4240% | 1,225 |
| Total domestic deposits to total assets | 84.0475% | 2,804 |
| Equity capital to assets | 12.6431% | 1,816 |
| Core capital (leverage) ratio | 11.0739% | 2,582 |
| Tier 1 risk-based capital ratio | 15.9303% | 2,466 |
| Total risk-based capital ratio | 16.7545% | 2,576 |
| Memoranda: | ||
| Average total assets | $87,494,000 | 4,230 |
| Average earning assets | $78,423,000 | 4,265 |
| Average equity | $11,038,750 | 4,153 |
| Average total loans | $67,909,000 | 3,859 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5099% | 560 |
| Cost of funding earning assets | 1.2862% | 772 |
| Net interest margin | 4.2238% | 1,304 |
| Noninterest income to average assets | 0.3651% | 3,492 |
| Noninterest expense to average assets | 2.8172% | 2,529 |
| Loan and lease loss provision to assets | 0.2824% | 518 |
| Net operating income to assets | 0.8054% | 3,631 |
| Return on assets (ROA) | 0.8036% | 3,702 |
| Pretax return on assets | 1.0332% | 3,440 |
| Return on Equity (ROE) | 6.3741% | 3,912 |
| Retained earnings to average equity (ytd only) | 2.2582% | 4,036 |
| Net charge-offs to loans | 0.0927% | 1,435 |
| Credit loss provision to net charge-offs | 396.7742% | 721 |
| Earnings coverage of net charge-offs (x) | 18.5161% | 1,859 |
| Efficiency ratio | 66.2965% | 2,776 |
| Assets per employee ($millions) | 4.1485% | 3,647 |
| Cash dividends to net income (ytd only)* | 64.5714% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6436% | 4,801 |
| Loan loss allowance to noncurrent loans | 347.2000% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 4,047 |
| Noncurrent loans to loans | 0.1854% | 3,891 |
| Net loans and leases to total assets | 76.9086% | 1,402 |
| Net loans and leases to deposits | 93.1217% | 1,361 |
| Net loans and leases to core deposits | 106.0259% | 1,244 |
| Total domestic deposits to total assets | 82.5893% | 3,341 |
| Equity capital to assets | 12.8548% | 1,659 |
| Core capital (leverage) ratio | 11.2595% | 2,370 |
| Tier 1 risk-based capital ratio | 16.7165% | 2,173 |
| Total risk-based capital ratio | 17.4754% | 2,273 |
| Memoranda: | ||
| Average total assets | $87,106,330 | 4,266 |
| Average earning assets | $77,750,330 | 4,297 |
| Average equity | $10,982,000 | 4,176 |
| Average total loans | $66,888,000 | 3,905 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 580 |
| Cost of funding earning assets | 1.2306% | 823 |
| Net interest margin | 4.2066% | 1,293 |
| Noninterest income to average assets | 0.2296% | 4,362 |
| Noninterest expense to average assets | 2.9024% | 2,273 |
| Loan and lease loss provision to assets | 0.2067% | 769 |
| Net operating income to assets | 0.6843% | 3,991 |
| Return on assets (ROA) | 0.6843% | 4,028 |
| Pretax return on assets | 0.8726% | 3,850 |
| Return on Equity (ROE) | 5.4812% | 4,193 |
| Retained earnings to average equity (ytd only) | -2.8326% | 4,805 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9343% | 2,196 |
| Assets per employee ($millions) | 4.1797% | 3,658 |
| Cash dividends to net income (ytd only)* | 151.6779% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5772% | 4,975 |
| Loan loss allowance to noncurrent loans | 314.6341% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 4,000 |
| Noncurrent loans to loans | 0.1835% | 3,928 |
| Net loans and leases to total assets | 75.9439% | 1,493 |
| Net loans and leases to deposits | 98.2461% | 768 |
| Net loans and leases to core deposits | 106.5828% | 1,132 |
| Total domestic deposits to total assets | 77.2997% | 4,620 |
| Equity capital to assets | 12.4080% | 1,796 |
| Core capital (leverage) ratio | 10.9842% | 2,590 |
| Tier 1 risk-based capital ratio | 16.5968% | 2,230 |
| Total risk-based capital ratio | 17.2840% | 2,368 |
| Memoranda: | ||
| Average total assets | $87,100,000 | 4,312 |
| Average earning assets | $77,687,000 | 4,344 |
| Average equity | $10,873,500 | 4,214 |
| Average total loans | $66,614,000 | 3,953 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4374% | 455 |
| Cost of funding earning assets | 1.1172% | 463 |
| Net interest margin | 4.3202% | 1,107 |
| Noninterest income to average assets | 0.2268% | 4,559 |
| Noninterest expense to average assets | 2.8569% | 2,501 |
| Loan and lease loss provision to assets | 0.1450% | 1,478 |
| Net operating income to assets | 0.8473% | 3,618 |
| Return on assets (ROA) | 0.8473% | 3,615 |
| Pretax return on assets | 1.0915% | 3,303 |
| Return on Equity (ROE) | 7.3366% | 3,713 |
| Retained earnings to average equity (ytd only) | 5.2026% | 2,661 |
| Net charge-offs to loans | 0.0572% | 2,323 |
| Credit loss provision to net charge-offs | 332.5000% | 947 |
| Earnings coverage of net charge-offs (x) | 28.3500% | 1,654 |
| Efficiency ratio | 68.0341% | 2,536 |
| Assets per employee ($millions) | 4.1155% | 3,729 |
| Cash dividends to net income (ytd only)* | 29.0862% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5168% | 5,099 |
| Loan loss allowance to noncurrent loans | 285.0000% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 3,816 |
| Noncurrent loans to loans | 0.1813% | 3,938 |
| Net loans and leases to total assets | 76.1808% | 1,582 |
| Net loans and leases to deposits | 95.3167% | 1,139 |
| Net loans and leases to core deposits | 103.2396% | 1,486 |
| Total domestic deposits to total assets | 79.9239% | 4,122 |
| Equity capital to assets | 12.5610% | 1,553 |
| Core capital (leverage) ratio | 10.5526% | 2,964 |
| Tier 1 risk-based capital ratio | 16.6838% | 2,174 |
| Total risk-based capital ratio | 17.2901% | 2,331 |
| Memoranda: | ||
| Average total assets | $91,707,600 | 4,238 |
| Average earning assets | $82,079,400 | 4,283 |
| Average equity | $10,590,800 | 4,217 |
| Average total loans | $69,982,200 | 3,870 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3710% | 457 |
| Cost of funding earning assets | 0.9632% | 705 |
| Net interest margin | 4.4078% | 886 |
| Noninterest income to average assets | 0.2163% | 4,675 |
| Noninterest expense to average assets | 2.4304% | 3,784 |
| Loan and lease loss provision to assets | 0.2781% | 546 |
| Net operating income to assets | 1.1611% | 2,405 |
| Return on assets (ROA) | 1.1611% | 2,410 |
| Pretax return on assets | 1.5370% | 1,778 |
| Return on Equity (ROE) | 9.6687% | 2,767 |
| Retained earnings to average equity (ytd only) | 4.8236% | 3,335 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1850% | 4,491 |
| Assets per employee ($millions) | 4.3513% | 3,357 |
| Cash dividends to net income (ytd only)* | 50.1114% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3249% | 5,343 |
| Loan loss allowance to noncurrent loans | 19.7203% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.3693% | 981 |
| Noncurrent loans to loans | 1.6474% | 956 |
| Net loans and leases to total assets | 82.8482% | 580 |
| Net loans and leases to deposits | 104.7382% | 506 |
| Net loans and leases to core deposits | 107.8426% | 1,178 |
| Total domestic deposits to total assets | 79.1003% | 4,299 |
| Equity capital to assets | 11.9810% | 1,919 |
| Core capital (leverage) ratio | 10.4493% | 3,131 |
| Tier 1 risk-based capital ratio | 14.5403% | 3,107 |
| Total risk-based capital ratio | 14.9240% | 3,445 |
| Memoranda: | ||
| Average total assets | $51,787,750 | 4,955 |
| Average earning assets | $47,339,250 | 4,962 |
| Average equity | $6,219,250 | 4,918 |
| Average total loans | $43,664,000 | 4,508 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3143% | 456 |
| Cost of funding earning assets | 0.8984% | 738 |
| Net interest margin | 4.4159% | 824 |
| Noninterest income to average assets | 0.2246% | 4,683 |
| Noninterest expense to average assets | 2.4126% | 3,861 |
| Loan and lease loss provision to assets | 0.2440% | 636 |
| Net operating income to assets | 1.2276% | 2,073 |
| Return on assets (ROA) | 1.2276% | 2,074 |
| Pretax return on assets | 1.6226% | 1,429 |
| Return on Equity (ROE) | 10.2143% | 2,466 |
| Retained earnings to average equity (ytd only) | 10.2143% | 867 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2986% | 4,661 |
| Assets per employee ($millions) | 4.6691% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2168% | 5,456 |
| Loan loss allowance to noncurrent loans | 95.0495% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 4,008 |
| Noncurrent loans to loans | 0.2281% | 3,901 |
| Net loans and leases to total assets | 86.0300% | 262 |
| Net loans and leases to deposits | 105.6931% | 456 |
| Net loans and leases to core deposits | 108.7765% | 1,066 |
| Total domestic deposits to total assets | 81.3960% | 3,894 |
| Equity capital to assets | 12.3637% | 1,621 |
| Core capital (leverage) ratio | 11.5311% | 2,044 |
| Tier 1 risk-based capital ratio | 15.8355% | 2,494 |
| Total risk-based capital ratio | 16.0968% | 2,875 |
| Memoranda: | ||
| Average total assets | $51,645,000 | 5,019 |
| Average earning assets | $47,419,670 | 5,015 |
| Average equity | $6,207,000 | 4,974 |
| Average total loans | $43,751,670 | 4,550 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3798% | 347 |
| Cost of funding earning assets | 0.8726% | 685 |
| Net interest margin | 4.5072% | 607 |
| Noninterest income to average assets | 0.2163% | 4,712 |
| Noninterest expense to average assets | 2.4176% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4366% | 1,238 |
| Return on assets (ROA) | 1.4366% | 1,244 |
| Pretax return on assets | 1.9078% | 713 |
| Return on Equity (ROE) | 12.1262% | 1,534 |
| Retained earnings to average equity (ytd only) | 12.1262% | 663 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9286% | 4,806 |
| Assets per employee ($millions) | 4.7243% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0756% | 5,543 |
| Loan loss allowance to noncurrent loans | 47.8261% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 4,427 |
| Noncurrent loans to loans | 0.1580% | 4,270 |
| Net loans and leases to total assets | 83.9821% | 439 |
| Net loans and leases to deposits | 98.6795% | 814 |
| Net loans and leases to core deposits | 101.3822% | 1,580 |
| Total domestic deposits to total assets | 85.1059% | 2,898 |
| Equity capital to assets | 11.9653% | 1,817 |
| Core capital (leverage) ratio | 10.4074% | 3,056 |
| Tier 1 risk-based capital ratio | 14.4431% | 3,151 |
| Total risk-based capital ratio | 14.5338% | 3,694 |
| Memoranda: | ||
| Average total assets | $51,787,500 | 5,081 |
| Average earning assets | $47,213,500 | 5,075 |
| Average equity | $6,135,500 | 5,035 |
| Average total loans | $43,487,000 | 4,601 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7274% | 5,488 |
| Cost of funding earning assets | 0.4542% | 2,728 |
| Net interest margin | 2.2732% | 5,515 |
| Noninterest income to average assets | 0.1626% | 5,146 |
| Noninterest expense to average assets | 1.1493% | 5,592 |
| Loan and lease loss provision to assets | 0.0610% | 3,014 |
| Net operating income to assets | 0.6375% | 3,864 |
| Return on assets (ROA) | 0.6375% | 3,899 |
| Pretax return on assets | 1.0513% | 3,376 |
| Return on Equity (ROE) | 5.4278% | 3,993 |
| Retained earnings to average equity (ytd only) | -37.1291% | 5,650 |
| Net charge-offs to loans | -0.0092% | 4,769 |
| Credit loss provision to net charge-offs | -825.0000% | 5,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2647% | 5,259 |
| Assets per employee ($millions) | 4.6916% | 2,879 |
| Cash dividends to net income (ytd only)* | 784.0580% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0762% | 5,607 |
| Loan loss allowance to noncurrent loans | 21.0191% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 3,668 |
| Noncurrent loans to loans | 0.3626% | 3,469 |
| Net loans and leases to total assets | 83.8339% | 466 |
| Net loans and leases to deposits | 98.4481% | 863 |
| Net loans and leases to core deposits | 101.1550% | 1,620 |
| Total domestic deposits to total assets | 85.1554% | 2,775 |
| Equity capital to assets | 11.7288% | 2,018 |
| Core capital (leverage) ratio | 10.2372% | 3,144 |
| Tier 1 risk-based capital ratio | 13.7848% | 3,477 |
| Total risk-based capital ratio | 13.8709% | 4,024 |
| Memoranda: | ||
| Average total assets | $54,121,200 | 5,074 |
| Average earning assets | $49,974,200 | 5,062 |
| Average equity | $6,356,200 | 5,051 |
| Average total loans | $43,569,600 | 4,626 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9643% | 5,683 |
| Cost of funding earning assets | 0.3156% | 3,979 |
| Net interest margin | 1.6488% | 5,678 |
| Noninterest income to average assets | 0.0779% | 5,538 |
| Noninterest expense to average assets | 0.8183% | 5,699 |
| Loan and lease loss provision to assets | 0.0877% | 2,333 |
| Net operating income to assets | 0.4359% | 4,914 |
| Return on assets (ROA) | 0.4359% | 4,945 |
| Pretax return on assets | 0.6989% | 4,614 |
| Return on Equity (ROE) | 3.7105% | 4,938 |
| Retained earnings to average equity (ytd only) | -52.3619% | 5,720 |
| Net charge-offs to loans | -0.0092% | 4,616 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7724% | 5,261 |
| Assets per employee ($millions) | 4.8846% | 2,590 |
| Cash dividends to net income (ytd only)* | 1,511.1791% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0798% | 5,674 |
| Loan loss allowance to noncurrent loans | 5.7566% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 1.1316% | 1,457 |
| Noncurrent loans to loans | 1.3859% | 1,352 |
| Net loans and leases to total assets | 81.5823% | 753 |
| Net loans and leases to deposits | 96.7981% | 1,027 |
| Net loans and leases to core deposits | 99.3698% | 1,760 |
| Total domestic deposits to total assets | 84.2810% | 3,006 |
| Equity capital to assets | 11.0067% | 2,853 |
| Core capital (leverage) ratio | 9.5501% | 4,093 |
| Tier 1 risk-based capital ratio | 12.9139% | 4,071 |
| Total risk-based capital ratio | 13.0073% | 4,671 |
| Memoranda: | ||
| Average total assets | $54,749,500 | 5,122 |
| Average earning assets | $50,703,250 | 5,104 |
| Average equity | $6,432,000 | 5,091 |
| Average total loans | $43,637,500 | 4,668 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3812% | 5,785 |
| Cost of funding earning assets | 0.0622% | 5,697 |
| Net interest margin | 0.3190% | 5,785 |
| Noninterest income to average assets | 0.0109% | 5,713 |
| Noninterest expense to average assets | 0.1888% | 5,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0762% | 5,511 |
| Return on assets (ROA) | 0.0762% | 5,515 |
| Pretax return on assets | 0.1198% | 5,491 |
| Return on Equity (ROE) | 0.6359% | 5,511 |
| Retained earnings to average equity (ytd only) | -81.2758% | 5,774 |
| Net charge-offs to loans | -0.0184% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1765% | 4,138 |
| Assets per employee ($millions) | 4.3787% | 3,301 |
| Cash dividends to net income (ytd only)* | 12,880.9524% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 3,917 |
| Noncurrent loans to loans | 0.3636% | 3,724 |
| Net loans and leases to total assets | 83.2293% | 522 |
| Net loans and leases to deposits | 99.5833% | 769 |
| Net loans and leases to core deposits | 102.4937% | 1,468 |
| Total domestic deposits to total assets | 83.5776% | 3,372 |
| Equity capital to assets | 11.6493% | 2,189 |
| Core capital (leverage) ratio | 9.2239% | 4,463 |
| Tier 1 risk-based capital ratio | 12.2733% | 4,444 |
| Total risk-based capital ratio | 12.2733% | 5,139 |
| Memoranda: | ||
| Average total assets | $55,089,000 | 5,152 |
| Average earning assets | $51,412,330 | 5,129 |
| Average equity | $6,604,670 | 5,090 |
| Average total loans | $43,560,000 | 4,699 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5271% | 1,310 |
| Cost of funding earning assets | 0.7746% | 569 |
| Net interest margin | 3.7525% | 2,295 |
| Noninterest income to average assets | 0.2413% | 4,806 |
| Noninterest expense to average assets | 2.0723% | 4,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0717% | 1,974 |
| Return on assets (ROA) | 1.0717% | 2,020 |
| Pretax return on assets | 1.7104% | 983 |
| Return on Equity (ROE) | 8.8220% | 2,497 |
| Retained earnings to average equity (ytd only) | 8.8220% | 1,137 |
| Net charge-offs to loans | -0.0184% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7842% | 5,063 |
| Assets per employee ($millions) | 5.4765% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,646 |
| Loan loss allowance to noncurrent loans | 641.3793% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 4,617 |
| Noncurrent loans to loans | 0.1992% | 4,409 |
| Net loans and leases to total assets | 78.7455% | 1,018 |
| Net loans and leases to deposits | 94.4709% | 1,068 |
| Net loans and leases to core deposits | 96.6646% | 1,774 |
| Total domestic deposits to total assets | 83.3543% | 3,720 |
| Equity capital to assets | 12.6504% | 1,442 |
| Core capital (leverage) ratio | 12.3007% | 1,446 |
| Tier 1 risk-based capital ratio | 19.3191% | 1,531 |
| Total risk-based capital ratio | 20.5738% | 1,506 |
| Memoranda: | ||
| Average total assets | $56,361,500 | 5,184 |
| Average earning assets | $53,190,500 | 5,154 |
| Average equity | $6,846,500 | 5,093 |
| Average total loans | $43,474,000 | 4,742 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 2,100 |
| Cost of funding earning assets | 0.8932% | 310 |
| Net interest margin | 3.4213% | 3,748 |
| Noninterest income to average assets | 0.3279% | 4,395 |
| Noninterest expense to average assets | 2.1471% | 4,904 |
| Loan and lease loss provision to assets | 0.0196% | 3,980 |
| Net operating income to assets | 0.8794% | 2,931 |
| Return on assets (ROA) | 0.8794% | 3,048 |
| Pretax return on assets | 1.4048% | 1,924 |
| Return on Equity (ROE) | 8.2793% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.2793% | 764 |
| Net charge-offs to loans | 0.0180% | 3,706 |
| Credit loss provision to net charge-offs | 150.0000% | 1,823 |
| Earnings coverage of net charge-offs (x) | 109.1250% | 552 |
| Efficiency ratio | 60.1188% | 4,562 |
| Assets per employee ($millions) | 5.7958% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,626 |
| Loan loss allowance to noncurrent loans | 942.3729% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 4,913 |
| Noncurrent loans to loans | 0.1364% | 4,686 |
| Net loans and leases to total assets | 73.6896% | 1,901 |
| Net loans and leases to deposits | 87.3216% | 2,010 |
| Net loans and leases to core deposits | 89.2057% | 2,576 |
| Total domestic deposits to total assets | 84.3887% | 3,278 |
| Equity capital to assets | 11.6722% | 2,027 |
| Core capital (leverage) ratio | 11.4873% | 1,936 |
| Tier 1 risk-based capital ratio | 19.1530% | 1,558 |
| Total risk-based capital ratio | 20.4060% | 1,520 |
| Memoranda: | ||
| Average total assets | $61,290,600 | 5,111 |
| Average earning assets | $58,107,200 | 5,068 |
| Average equity | $6,510,200 | 5,185 |
| Average total loans | $44,538,000 | 4,731 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2480% | 2,349 |
| Cost of funding earning assets | 0.9138% | 269 |
| Net interest margin | 3.3341% | 4,081 |
| Noninterest income to average assets | 0.3434% | 4,331 |
| Noninterest expense to average assets | 2.2235% | 4,709 |
| Loan and lease loss provision to assets | 0.0258% | 3,729 |
| Net operating income to assets | 0.7898% | 3,411 |
| Return on assets (ROA) | 0.7898% | 3,555 |
| Pretax return on assets | 1.2577% | 2,591 |
| Return on Equity (ROE) | 7.6111% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.6111% | 1,353 |
| Net charge-offs to loans | 0.0268% | 3,132 |
| Credit loss provision to net charge-offs | 133.3333% | 1,942 |
| Earnings coverage of net charge-offs (x) | 66.4425% | 892 |
| Efficiency ratio | 63.4027% | 4,019 |
| Assets per employee ($millions) | 5.9176% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 3,029 |
| Loan loss allowance to noncurrent loans | 92.9648% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0089% | 2,047 |
| Noncurrent loans to loans | 1.3298% | 1,663 |
| Net loans and leases to total assets | 74.9256% | 1,714 |
| Net loans and leases to deposits | 88.1576% | 1,994 |
| Net loans and leases to core deposits | 89.9990% | 2,578 |
| Total domestic deposits to total assets | 84.9905% | 2,808 |
| Equity capital to assets | 11.2022% | 2,796 |
| Core capital (leverage) ratio | 11.1626% | 2,303 |
| Tier 1 risk-based capital ratio | 17.9128% | 1,949 |
| Total risk-based capital ratio | 19.1666% | 1,913 |
| Memoranda: | ||
| Average total assets | $62,123,750 | 5,139 |
| Average earning assets | $58,944,000 | 5,093 |
| Average equity | $6,446,500 | 5,254 |
| Average total loans | $44,856,250 | 4,760 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 2,306 |
| Cost of funding earning assets | 0.9398% | 235 |
| Net interest margin | 3.3177% | 4,167 |
| Noninterest income to average assets | 0.3740% | 4,073 |
| Noninterest expense to average assets | 2.2375% | 4,761 |
| Loan and lease loss provision to assets | 0.0380% | 3,396 |
| Net operating income to assets | 0.7860% | 3,381 |
| Return on assets (ROA) | 0.7860% | 3,525 |
| Pretax return on assets | 1.2423% | 2,628 |
| Return on Equity (ROE) | 7.7674% | 3,110 |
| Retained earnings to average equity (ytd only) | 7.7674% | 1,262 |
| Net charge-offs to loans | 0.0401% | 2,656 |
| Credit loss provision to net charge-offs | 133.3333% | 1,741 |
| Earnings coverage of net charge-offs (x) | 44.8889% | 1,072 |
| Efficiency ratio | 63.6036% | 4,083 |
| Assets per employee ($millions) | 5.5238% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 3,216 |
| Loan loss allowance to noncurrent loans | 113.7295% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.9677% | 2,212 |
| Noncurrent loans to loans | 1.0771% | 2,137 |
| Net loans and leases to total assets | 73.6496% | 1,910 |
| Net loans and leases to deposits | 87.7161% | 2,032 |
| Net loans and leases to core deposits | 89.5145% | 2,586 |
| Total domestic deposits to total assets | 83.9637% | 3,279 |
| Equity capital to assets | 10.7238% | 3,372 |
| Core capital (leverage) ratio | 10.3945% | 3,083 |
| Tier 1 risk-based capital ratio | 17.0313% | 2,207 |
| Total risk-based capital ratio | 18.2833% | 2,167 |
| Memoranda: | ||
| Average total assets | $63,106,330 | 5,170 |
| Average earning assets | $59,799,670 | 5,117 |
| Average equity | $6,385,670 | 5,312 |
| Average total loans | $44,844,000 | 4,800 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 2,499 |
| Cost of funding earning assets | 0.9989% | 172 |
| Net interest margin | 3.1940% | 4,603 |
| Noninterest income to average assets | 0.5601% | 2,743 |
| Noninterest expense to average assets | 2.3149% | 4,616 |
| Loan and lease loss provision to assets | 0.0747% | 2,467 |
| Net operating income to assets | 0.7468% | 3,501 |
| Return on assets (ROA) | 0.7468% | 3,605 |
| Pretax return on assets | 1.1948% | 2,724 |
| Return on Equity (ROE) | 7.5943% | 3,133 |
| Retained earnings to average equity (ytd only) | 7.5943% | 1,624 |
| Net charge-offs to loans | 0.1255% | 1,353 |
| Credit loss provision to net charge-offs | 85.7143% | 1,799 |
| Earnings coverage of net charge-offs (x) | 14.5714% | 1,694 |
| Efficiency ratio | 64.5833% | 4,035 |
| Assets per employee ($millions) | 5.8111% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 3,057 |
| Loan loss allowance to noncurrent loans | 6,111.1111% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 4,847 |
| Noncurrent loans to loans | 0.0208% | 5,420 |
| Net loans and leases to total assets | 66.9159% | 2,826 |
| Net loans and leases to deposits | 79.5322% | 2,861 |
| Net loans and leases to core deposits | 81.5364% | 3,177 |
| Total domestic deposits to total assets | 84.1369% | 3,466 |
| Equity capital to assets | 9.9919% | 4,093 |
| Core capital (leverage) ratio | 9.9625% | 3,584 |
| Tier 1 risk-based capital ratio | 17.2049% | 2,212 |
| Total risk-based capital ratio | 18.4585% | 2,181 |
| Memoranda: | ||
| Average total assets | $64,278,500 | 5,192 |
| Average earning assets | $60,865,000 | 5,133 |
| Average equity | $6,320,500 | 5,357 |
| Average total loans | $44,613,000 | 4,846 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 2,381 |
| Cost of funding earning assets | 0.9180% | 263 |
| Net interest margin | 3.3347% | 4,168 |
| Noninterest income to average assets | 0.2288% | 5,224 |
| Noninterest expense to average assets | 2.1445% | 5,163 |
| Loan and lease loss provision to assets | 0.2224% | 921 |
| Net operating income to assets | 0.6609% | 3,990 |
| Return on assets (ROA) | 0.6609% | 4,077 |
| Pretax return on assets | 1.0594% | 3,228 |
| Return on Equity (ROE) | 6.7738% | 3,634 |
| Retained earnings to average equity (ytd only) | 3.4935% | 3,571 |
| Net charge-offs to loans | 0.6009% | 401 |
| Credit loss provision to net charge-offs | 49.6429% | 3,411 |
| Earnings coverage of net charge-offs (x) | 2.8607% | 3,812 |
| Efficiency ratio | 62.5876% | 4,519 |
| Assets per employee ($millions) | 5.3863% | 1,916 |
| Cash dividends to net income (ytd only)* | 48.4262% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 3,469 |
| Loan loss allowance to noncurrent loans | 283.0769% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 4,395 |
| Noncurrent loans to loans | 0.4248% | 3,938 |
| Net loans and leases to total assets | 70.1632% | 2,337 |
| Net loans and leases to deposits | 86.0286% | 2,127 |
| Net loans and leases to core deposits | 88.1884% | 2,583 |
| Total domestic deposits to total assets | 81.5580% | 4,317 |
| Equity capital to assets | 9.6759% | 4,332 |
| Core capital (leverage) ratio | 9.8507% | 3,712 |
| Tier 1 risk-based capital ratio | 15.9364% | 2,716 |
| Total risk-based capital ratio | 17.1883% | 2,656 |
| Memoranda: | ||
| Average total assets | $62,486,600 | 5,259 |
| Average earning assets | $59,915,200 | 5,191 |
| Average equity | $6,097,000 | 5,419 |
| Average total loans | $46,600,600 | 4,771 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 2,335 |
| Cost of funding earning assets | 0.9189% | 258 |
| Net interest margin | 3.3508% | 4,139 |
| Noninterest income to average assets | 0.2303% | 5,276 |
| Noninterest expense to average assets | 2.1888% | 5,080 |
| Loan and lease loss provision to assets | 0.1829% | 1,136 |
| Net operating income to assets | 0.6715% | 4,031 |
| Return on assets (ROA) | 0.6715% | 4,136 |
| Pretax return on assets | 1.0761% | 3,314 |
| Return on Equity (ROE) | 6.8671% | 3,698 |
| Retained earnings to average equity (ytd only) | 2.4651% | 4,637 |
| Net charge-offs to loans | 0.4105% | 622 |
| Credit loss provision to net charge-offs | 59.0278% | 2,919 |
| Earnings coverage of net charge-offs (x) | 4.0624% | 3,405 |
| Efficiency ratio | 63.4831% | 4,337 |
| Assets per employee ($millions) | 5.2069% | 2,057 |
| Cash dividends to net income (ytd only)* | 64.1025% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 2,858 |
| Loan loss allowance to noncurrent loans | 150.2370% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 3,228 |
| Noncurrent loans to loans | 0.8981% | 2,727 |
| Net loans and leases to total assets | 74.1898% | 1,706 |
| Net loans and leases to deposits | 91.5186% | 1,465 |
| Net loans and leases to core deposits | 93.9065% | 2,083 |
| Total domestic deposits to total assets | 81.0652% | 4,458 |
| Equity capital to assets | 9.8667% | 4,318 |
| Core capital (leverage) ratio | 9.9911% | 3,645 |
| Tier 1 risk-based capital ratio | 15.0856% | 3,252 |
| Total risk-based capital ratio | 16.3390% | 3,188 |
| Memoranda: | ||
| Average total assets | $61,949,500 | 5,343 |
| Average earning assets | $59,487,000 | 5,262 |
| Average equity | $6,057,750 | 5,489 |
| Average total loans | $46,775,250 | 4,816 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 2,426 |
| Cost of funding earning assets | 0.9209% | 260 |
| Net interest margin | 3.3091% | 4,268 |
| Noninterest income to average assets | 0.2331% | 5,290 |
| Noninterest expense to average assets | 2.1725% | 5,176 |
| Loan and lease loss provision to assets | 0.2590% | 653 |
| Net operating income to assets | 0.6087% | 4,299 |
| Return on assets (ROA) | 0.6087% | 4,415 |
| Pretax return on assets | 0.9778% | 3,667 |
| Return on Equity (ROE) | 6.2438% | 4,018 |
| Retained earnings to average equity (ytd only) | -0.3985% | 5,585 |
| Net charge-offs to loans | 0.6852% | 332 |
| Credit loss provision to net charge-offs | 50.0000% | 2,703 |
| Earnings coverage of net charge-offs (x) | 2.3875% | 3,350 |
| Efficiency ratio | 63.7227% | 4,398 |
| Assets per employee ($millions) | 4.7421% | 2,617 |
| Cash dividends to net income (ytd only)* | 106.3830% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 3,176 |
| Loan loss allowance to noncurrent loans | 170.7521% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.5823% | 3,667 |
| Noncurrent loans to loans | 0.7690% | 3,186 |
| Net loans and leases to total assets | 74.7287% | 1,546 |
| Net loans and leases to deposits | 92.1213% | 1,358 |
| Net loans and leases to core deposits | 93.7828% | 1,980 |
| Total domestic deposits to total assets | 81.1199% | 4,580 |
| Equity capital to assets | 9.7912% | 4,290 |
| Core capital (leverage) ratio | 9.6367% | 4,091 |
| Tier 1 risk-based capital ratio | 15.4395% | 3,133 |
| Total risk-based capital ratio | 16.6922% | 3,074 |
| Memoranda: | ||
| Average total assets | $61,771,670 | 5,401 |
| Average earning assets | $59,291,670 | 5,324 |
| Average equity | $6,022,000 | 5,545 |
| Average total loans | $46,703,670 | 4,863 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 2,093 |
| Cost of funding earning assets | 0.9175% | 263 |
| Net interest margin | 3.3866% | 3,900 |
| Noninterest income to average assets | 0.2329% | 5,295 |
| Noninterest expense to average assets | 2.1542% | 5,265 |
| Loan and lease loss provision to assets | 0.0776% | 2,402 |
| Net operating income to assets | 0.7763% | 3,386 |
| Return on assets (ROA) | 0.7763% | 3,524 |
| Pretax return on assets | 1.2485% | 2,475 |
| Return on Equity (ROE) | 7.9800% | 2,969 |
| Retained earnings to average equity (ytd only) | -5.3200% | 5,955 |
| Net charge-offs to loans | 0.0257% | 2,650 |
| Credit loss provision to net charge-offs | 400.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 68.3333% | 659 |
| Efficiency ratio | 61.8959% | 4,815 |
| Assets per employee ($millions) | 4.8780% | 2,520 |
| Cash dividends to net income (ytd only)* | 166.6667% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 2,503 |
| Loan loss allowance to noncurrent loans | 90.5806% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.2221% | 2,189 |
| Noncurrent loans to loans | 1.6402% | 1,701 |
| Net loans and leases to total assets | 73.4049% | 1,584 |
| Net loans and leases to deposits | 91.2887% | 1,259 |
| Net loans and leases to core deposits | 92.4398% | 1,912 |
| Total domestic deposits to total assets | 80.4097% | 4,958 |
| Equity capital to assets | 9.4254% | 4,835 |
| Core capital (leverage) ratio | 9.7075% | 4,004 |
| Tier 1 risk-based capital ratio | 14.2693% | 3,842 |
| Total risk-based capital ratio | 15.5242% | 3,769 |
| Memoranda: | ||
| Average total assets | $61,834,000 | 5,457 |
| Average earning assets | $59,293,000 | 5,377 |
| Average equity | $6,015,000 | 5,593 |
| Average total loans | $46,715,000 | 4,891 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5703% | 1,636 |
| Cost of funding earning assets | 0.9834% | 253 |
| Net interest margin | 3.5869% | 3,456 |
| Noninterest income to average assets | 0.3622% | 4,500 |
| Noninterest expense to average assets | 2.3093% | 5,091 |
| Loan and lease loss provision to assets | 0.0973% | 2,522 |
| Net operating income to assets | 0.8704% | 3,016 |
| Return on assets (ROA) | 0.8704% | 3,107 |
| Pretax return on assets | 1.3752% | 1,976 |
| Return on Equity (ROE) | 8.9409% | 2,621 |
| Retained earnings to average equity (ytd only) | 8.9409% | 719 |
| Net charge-offs to loans | -0.0523% | 5,943 |
| Credit loss provision to net charge-offs | -241.6667% | 5,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0643% | 5,057 |
| Assets per employee ($millions) | 4.6349% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 2,468 |
| Loan loss allowance to noncurrent loans | 297.4249% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 4,539 |
| Noncurrent loans to loans | 0.5046% | 4,153 |
| Net loans and leases to total assets | 75.4904% | 1,344 |
| Net loans and leases to deposits | 93.7372% | 1,104 |
| Net loans and leases to core deposits | 95.4786% | 1,765 |
| Total domestic deposits to total assets | 80.5341% | 4,874 |
| Equity capital to assets | 10.0458% | 4,050 |
| Core capital (leverage) ratio | 9.9171% | 3,692 |
| Tier 1 risk-based capital ratio | 14.7234% | 3,645 |
| Total risk-based capital ratio | 15.9792% | 3,572 |
| Memoranda: | ||
| Average total assets | $59,628,200 | 5,559 |
| Average earning assets | $56,845,800 | 5,495 |
| Average equity | $5,804,800 | 5,660 |
| Average total loans | $45,858,800 | 4,962 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 1,649 |
| Cost of funding earning assets | 0.9877% | 259 |
| Net interest margin | 3.5793% | 3,510 |
| Noninterest income to average assets | 0.3968% | 4,267 |
| Noninterest expense to average assets | 2.3249% | 5,041 |
| Loan and lease loss provision to assets | 0.1300% | 1,928 |
| Net operating income to assets | 0.8654% | 3,098 |
| Return on assets (ROA) | 0.8654% | 3,186 |
| Pretax return on assets | 1.3541% | 2,175 |
| Return on Equity (ROE) | 8.9617% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.9617% | 1,020 |
| Net charge-offs to loans | 0.0350% | 3,790 |
| Credit loss provision to net charge-offs | 483.3333% | 587 |
| Earnings coverage of net charge-offs (x) | 55.1650% | 922 |
| Efficiency ratio | 61.0359% | 5,034 |
| Assets per employee ($millions) | 5.5212% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 3,051 |
| Loan loss allowance to noncurrent loans | 199.0909% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 4,242 |
| Noncurrent loans to loans | 0.7162% | 3,817 |
| Net loans and leases to total assets | 74.7897% | 1,398 |
| Net loans and leases to deposits | 92.3286% | 1,202 |
| Net loans and leases to core deposits | 95.3783% | 1,728 |
| Total domestic deposits to total assets | 81.0037% | 4,823 |
| Equity capital to assets | 9.7426% | 4,494 |
| Core capital (leverage) ratio | 10.0044% | 3,677 |
| Tier 1 risk-based capital ratio | 14.3203% | 4,015 |
| Total risk-based capital ratio | 15.5739% | 3,934 |
| Memoranda: | ||
| Average total assets | $59,471,750 | 5,625 |
| Average earning assets | $56,694,250 | 5,552 |
| Average equity | $5,742,750 | 5,731 |
| Average total loans | $45,778,750 | 5,007 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 1,518 |
| Cost of funding earning assets | 0.9930% | 263 |
| Net interest margin | 3.6124% | 3,310 |
| Noninterest income to average assets | 0.4403% | 3,942 |
| Noninterest expense to average assets | 2.3369% | 5,067 |
| Loan and lease loss provision to assets | 0.1016% | 2,325 |
| Net operating income to assets | 0.9449% | 2,573 |
| Return on assets (ROA) | 0.9449% | 2,676 |
| Pretax return on assets | 1.4394% | 1,753 |
| Return on Equity (ROE) | 9.8159% | 2,236 |
| Retained earnings to average equity (ytd only) | 9.8159% | 762 |
| Net charge-offs to loans | 0.0263% | 3,669 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 75.8333% | 696 |
| Efficiency ratio | 60.2620% | 5,258 |
| Assets per employee ($millions) | 4.9674% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 3,443 |
| Loan loss allowance to noncurrent loans | 171.1590% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 4,106 |
| Noncurrent loans to loans | 0.8072% | 3,689 |
| Net loans and leases to total assets | 76.0372% | 1,157 |
| Net loans and leases to deposits | 94.0431% | 954 |
| Net loans and leases to core deposits | 97.2076% | 1,503 |
| Total domestic deposits to total assets | 80.8536% | 5,025 |
| Equity capital to assets | 9.7502% | 4,427 |
| Core capital (leverage) ratio | 9.8175% | 3,861 |
| Tier 1 risk-based capital ratio | 14.8092% | 3,750 |
| Total risk-based capital ratio | 16.0631% | 3,689 |
| Memoranda: | ||
| Average total assets | $59,051,330 | 5,684 |
| Average earning assets | $56,195,330 | 5,611 |
| Average equity | $5,684,670 | 5,780 |
| Average total loans | $45,678,670 | 5,040 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6958% | 1,261 |
| Cost of funding earning assets | 1.0078% | 264 |
| Net interest margin | 3.6881% | 2,915 |
| Noninterest income to average assets | 0.6057% | 2,704 |
| Noninterest expense to average assets | 2.3548% | 5,051 |
| Loan and lease loss provision to assets | 0.1497% | 1,621 |
| Net operating income to assets | 1.1910% | 1,508 |
| Return on assets (ROA) | 1.1910% | 1,578 |
| Pretax return on assets | 1.6130% | 1,145 |
| Return on Equity (ROE) | 12.4533% | 1,295 |
| Retained earnings to average equity (ytd only) | 12.4533% | 548 |
| Net charge-offs to loans | -0.0176% | 5,297 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1901% | 5,733 |
| Assets per employee ($millions) | 4.1939% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 3,523 |
| Loan loss allowance to noncurrent loans | 141.4254% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7647% | 3,827 |
| Noncurrent loans to loans | 1.0009% | 3,417 |
| Net loans and leases to total assets | 75.3215% | 1,087 |
| Net loans and leases to deposits | 93.3529% | 845 |
| Net loans and leases to core deposits | 95.5019% | 1,424 |
| Total domestic deposits to total assets | 80.6847% | 5,320 |
| Equity capital to assets | 9.7215% | 4,204 |
| Core capital (leverage) ratio | 9.8173% | 3,832 |
| Tier 1 risk-based capital ratio | 14.4269% | 4,043 |
| Total risk-based capital ratio | 15.6808% | 4,004 |
| Memoranda: | ||
| Average total assets | $58,772,500 | 5,746 |
| Average earning assets | $55,964,500 | 5,667 |
| Average equity | $5,621,000 | 5,841 |
| Average total loans | $45,538,000 | 5,095 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8296% | 1,258 |
| Cost of funding earning assets | 1.0761% | 322 |
| Net interest margin | 3.7535% | 2,830 |
| Noninterest income to average assets | 0.2762% | 5,380 |
| Noninterest expense to average assets | 2.4648% | 4,875 |
| Loan and lease loss provision to assets | 0.2588% | 1,386 |
| Net operating income to assets | 0.8042% | 3,272 |
| Return on assets (ROA) | 0.8042% | 3,369 |
| Pretax return on assets | 1.0908% | 2,980 |
| Return on Equity (ROE) | 8.7398% | 2,683 |
| Retained earnings to average equity (ytd only) | 8.7398% | 838 |
| Net charge-offs to loans | 0.2803% | 2,296 |
| Credit loss provision to net charge-offs | 121.1382% | 1,964 |
| Earnings coverage of net charge-offs (x) | 6.3171% | 3,087 |
| Efficiency ratio | 64.6175% | 4,795 |
| Assets per employee ($millions) | 4.9025% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 4,030 |
| Loan loss allowance to noncurrent loans | 276.4706% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 5,122 |
| Noncurrent loans to loans | 0.4782% | 4,798 |
| Net loans and leases to total assets | 77.5200% | 881 |
| Net loans and leases to deposits | 95.6902% | 752 |
| Net loans and leases to core deposits | 97.3509% | 1,358 |
| Total domestic deposits to total assets | 81.0114% | 5,174 |
| Equity capital to assets | 9.4068% | 4,540 |
| Core capital (leverage) ratio | 9.5120% | 4,243 |
| Tier 1 risk-based capital ratio | 13.5420% | 4,623 |
| Total risk-based capital ratio | 14.7950% | 4,569 |
| Memoranda: | ||
| Average total assets | $57,570,800 | 5,820 |
| Average earning assets | $54,269,600 | 5,756 |
| Average equity | $5,297,600 | 5,991 |
| Average total loans | $43,874,400 | 5,194 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 1,297 |
| Cost of funding earning assets | 1.0845% | 337 |
| Net interest margin | 3.7389% | 2,890 |
| Noninterest income to average assets | 0.2794% | 5,446 |
| Noninterest expense to average assets | 2.5219% | 4,650 |
| Loan and lease loss provision to assets | 0.1793% | 2,028 |
| Net operating income to assets | 0.8057% | 3,318 |
| Return on assets (ROA) | 0.8057% | 3,448 |
| Pretax return on assets | 1.0945% | 3,137 |
| Return on Equity (ROE) | 8.8063% | 2,737 |
| Retained earnings to average equity (ytd only) | 8.8063% | 1,118 |
| Net charge-offs to loans | 0.2341% | 2,400 |
| Credit loss provision to net charge-offs | 101.3158% | 2,310 |
| Earnings coverage of net charge-offs (x) | 7.1975% | 2,830 |
| Efficiency ratio | 66.4417% | 4,410 |
| Assets per employee ($millions) | 4.7963% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 4,583 |
| Loan loss allowance to noncurrent loans | 406.9444% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 5,692 |
| Noncurrent loans to loans | 0.3102% | 5,450 |
| Net loans and leases to total assets | 79.6369% | 591 |
| Net loans and leases to deposits | 98.5551% | 533 |
| Net loans and leases to core deposits | 99.7606% | 1,133 |
| Total domestic deposits to total assets | 80.8044% | 5,267 |
| Equity capital to assets | 9.4136% | 4,655 |
| Core capital (leverage) ratio | 9.3202% | 4,669 |
| Tier 1 risk-based capital ratio | 13.0622% | 5,082 |
| Total risk-based capital ratio | 14.3136% | 5,034 |
| Memoranda: | ||
| Average total assets | $57,256,000 | 5,897 |
| Average earning assets | $53,847,500 | 5,831 |
| Average equity | $5,238,500 | 6,078 |
| Average total loans | $43,289,000 | 5,265 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7381% | 1,466 |
| Cost of funding earning assets | 1.0748% | 373 |
| Net interest margin | 3.6633% | 3,117 |
| Noninterest income to average assets | 0.2799% | 5,449 |
| Noninterest expense to average assets | 2.5649% | 4,507 |
| Loan and lease loss provision to assets | 0.0700% | 3,635 |
| Net operating income to assets | 0.8048% | 3,270 |
| Return on assets (ROA) | 0.8048% | 3,422 |
| Pretax return on assets | 1.0917% | 3,123 |
| Return on Equity (ROE) | 8.8826% | 2,664 |
| Retained earnings to average equity (ytd only) | 8.8826% | 1,169 |
| Net charge-offs to loans | 0.1704% | 2,759 |
| Credit loss provision to net charge-offs | 55.5556% | 3,107 |
| Earnings coverage of net charge-offs (x) | 9.2222% | 2,311 |
| Efficiency ratio | 68.8263% | 4,036 |
| Assets per employee ($millions) | 4.6648% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 4,674 |
| Loan loss allowance to noncurrent loans | 327.0115% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 5,544 |
| Noncurrent loans to loans | 0.3864% | 5,306 |
| Net loans and leases to total assets | 79.4241% | 590 |
| Net loans and leases to deposits | 98.6575% | 505 |
| Net loans and leases to core deposits | 99.3187% | 1,127 |
| Total domestic deposits to total assets | 80.5048% | 5,472 |
| Equity capital to assets | 9.4698% | 4,619 |
| Core capital (leverage) ratio | 9.2062% | 4,693 |
| Tier 1 risk-based capital ratio | 13.1807% | 5,007 |
| Total risk-based capital ratio | 14.4335% | 4,947 |
| Memoranda: | ||
| Average total assets | $57,156,330 | 5,939 |
| Average earning assets | $53,776,670 | 5,868 |
| Average equity | $5,178,670 | 6,137 |
| Average total loans | $42,245,000 | 5,327 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4719% | 2,271 |
| Cost of funding earning assets | 1.0703% | 430 |
| Net interest margin | 3.4015% | 4,107 |
| Noninterest income to average assets | 0.2494% | 5,675 |
| Noninterest expense to average assets | 2.5768% | 4,486 |
| Loan and lease loss provision to assets | 0.0485% | 3,810 |
| Net operating income to assets | 0.6165% | 4,133 |
| Return on assets (ROA) | 0.6165% | 4,291 |
| Pretax return on assets | 0.8382% | 4,007 |
| Return on Equity (ROE) | 6.9565% | 3,514 |
| Retained earnings to average equity (ytd only) | 6.9565% | 2,177 |
| Net charge-offs to loans | -0.0098% | 5,431 |
| Credit loss provision to net charge-offs | -700.0000% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4000% | 3,194 |
| Assets per employee ($millions) | 4.8861% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 4,210 |
| Loan loss allowance to noncurrent loans | 270.7763% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 5,470 |
| Noncurrent loans to loans | 0.5185% | 5,139 |
| Net loans and leases to total assets | 71.0283% | 1,516 |
| Net loans and leases to deposits | 87.0327% | 1,247 |
| Net loans and leases to core deposits | 87.0327% | 2,009 |
| Total domestic deposits to total assets | 81.6110% | 5,321 |
| Equity capital to assets | 8.8039% | 5,708 |
| Core capital (leverage) ratio | 8.7609% | 5,247 |
| Tier 1 risk-based capital ratio | 13.1775% | 5,079 |
| Total risk-based capital ratio | 14.4305% | 5,033 |
| Memoranda: | ||
| Average total assets | $57,745,500 | 5,971 |
| Average earning assets | $54,563,500 | 5,890 |
| Average equity | $5,117,500 | 6,211 |
| Average total loans | $40,853,000 | 5,427 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 2,138 |
| Cost of funding earning assets | 1.1613% | 691 |
| Net interest margin | 3.6545% | 3,853 |
| Noninterest income to average assets | 0.3347% | 5,064 |
| Noninterest expense to average assets | 2.5446% | 4,947 |
| Loan and lease loss provision to assets | 0.2728% | 2,462 |
| Net operating income to assets | 0.6966% | 3,755 |
| Return on assets (ROA) | 0.6966% | 4,007 |
| Pretax return on assets | 0.9458% | 3,761 |
| Return on Equity (ROE) | 8.0768% | 3,052 |
| Retained earnings to average equity (ytd only) | 8.0768% | 1,097 |
| Net charge-offs to loans | 0.9015% | 1,264 |
| Credit loss provision to net charge-offs | 41.3223% | 4,912 |
| Earnings coverage of net charge-offs (x) | 1.8457% | 4,509 |
| Efficiency ratio | 67.6172% | 4,215 |
| Assets per employee ($millions) | 4.7382% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 3,818 |
| Loan loss allowance to noncurrent loans | 261.1607% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 5,499 |
| Noncurrent loans to loans | 0.5676% | 5,115 |
| Net loans and leases to total assets | 68.3844% | 2,125 |
| Net loans and leases to deposits | 84.2240% | 1,728 |
| Net loans and leases to core deposits | 84.7029% | 2,465 |
| Total domestic deposits to total assets | 81.1935% | 5,341 |
| Equity capital to assets | 8.9222% | 5,610 |
| Core capital (leverage) ratio | 8.5450% | 5,550 |
| Tier 1 risk-based capital ratio | 13.5676% | 4,703 |
| Total risk-based capital ratio | 14.8229% | 4,648 |
| Memoranda: | ||
| Average total assets | $54,979,400 | 6,048 |
| Average earning assets | $51,579,600 | 5,993 |
| Average equity | $4,742,000 | 6,370 |
| Average total loans | $40,268,200 | 5,489 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 1,984 |
| Cost of funding earning assets | 1.1707% | 795 |
| Net interest margin | 3.7363% | 3,628 |
| Noninterest income to average assets | 0.2617% | 5,690 |
| Noninterest expense to average assets | 2.5536% | 4,903 |
| Loan and lease loss provision to assets | 0.3669% | 1,773 |
| Net operating income to assets | 0.6188% | 4,304 |
| Return on assets (ROA) | 0.6188% | 4,557 |
| Pretax return on assets | 0.8463% | 4,315 |
| Return on Equity (ROE) | 7.2398% | 3,674 |
| Retained earnings to average equity (ytd only) | 7.2398% | 1,988 |
| Net charge-offs to loans | 1.1828% | 842 |
| Credit loss provision to net charge-offs | 41.7827% | 4,581 |
| Earnings coverage of net charge-offs (x) | 1.3816% | 4,606 |
| Efficiency ratio | 67.7922% | 4,104 |
| Assets per employee ($millions) | 4.7318% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,455 |
| Loan loss allowance to noncurrent loans | 390.0662% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 6,038 |
| Noncurrent loans to loans | 0.3541% | 5,770 |
| Net loans and leases to total assets | 74.0587% | 1,241 |
| Net loans and leases to deposits | 91.6465% | 1,004 |
| Net loans and leases to core deposits | 92.1688% | 1,765 |
| Total domestic deposits to total assets | 80.8091% | 5,421 |
| Equity capital to assets | 8.5696% | 6,200 |
| Core capital (leverage) ratio | 8.3538% | 5,940 |
| Tier 1 risk-based capital ratio | 11.7300% | 6,093 |
| Total risk-based capital ratio | 12.9838% | 6,072 |
| Memoranda: | ||
| Average total assets | $54,509,750 | 6,138 |
| Average earning assets | $51,137,250 | 6,083 |
| Average equity | $4,659,250 | 6,471 |
| Average total loans | $40,468,500 | 5,553 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6971% | 2,926 |
| Cost of funding earning assets | 1.1842% | 882 |
| Net interest margin | 3.5129% | 4,613 |
| Noninterest income to average assets | 0.2642% | 5,690 |
| Noninterest expense to average assets | 2.6194% | 4,711 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6623% | 4,049 |
| Return on assets (ROA) | 0.6623% | 4,311 |
| Pretax return on assets | 0.9339% | 3,949 |
| Return on Equity (ROE) | 7.7554% | 3,368 |
| Retained earnings to average equity (ytd only) | 7.7554% | 1,738 |
| Net charge-offs to loans | 0.0201% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 62.7500% | 613 |
| Efficiency ratio | 73.7173% | 3,119 |
| Assets per employee ($millions) | 4.5809% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 2,803 |
| Loan loss allowance to noncurrent loans | 61.1239% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 2.3631% | 2,361 |
| Noncurrent loans to loans | 2.9686% | 2,008 |
| Net loans and leases to total assets | 78.1576% | 699 |
| Net loans and leases to deposits | 96.2089% | 616 |
| Net loans and leases to core deposits | 96.7679% | 1,376 |
| Total domestic deposits to total assets | 81.2374% | 5,382 |
| Equity capital to assets | 8.5336% | 6,176 |
| Core capital (leverage) ratio | 8.1801% | 6,070 |
| Tier 1 risk-based capital ratio | 10.9323% | 6,529 |
| Total risk-based capital ratio | 12.1909% | 6,505 |
| Memoranda: | ||
| Average total assets | $53,752,330 | 6,197 |
| Average earning assets | $50,329,000 | 6,145 |
| Average equity | $4,590,330 | 6,516 |
| Average total loans | $39,744,330 | 5,613 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 4,351 |
| Cost of funding earning assets | 1.2159% | 916 |
| Net interest margin | 3.1807% | 5,827 |
| Noninterest income to average assets | 0.2634% | 5,763 |
| Noninterest expense to average assets | 2.5215% | 5,084 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4892% | 4,876 |
| Return on assets (ROA) | 0.4892% | 5,078 |
| Pretax return on assets | 0.7151% | 4,743 |
| Return on Equity (ROE) | 5.7269% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.7269% | 3,129 |
| Net charge-offs to loans | 0.0424% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 23.7500% | 1,083 |
| Efficiency ratio | 77.9070% | 2,514 |
| Assets per employee ($millions) | 4.5584% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0855% | 2,139 |
| Loan loss allowance to noncurrent loans | 56.0734% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 2.5886% | 2,287 |
| Noncurrent loans to loans | 3.7193% | 1,667 |
| Net loans and leases to total assets | 68.1487% | 2,087 |
| Net loans and leases to deposits | 83.7369% | 1,696 |
| Net loans and leases to core deposits | 84.2212% | 2,524 |
| Total domestic deposits to total assets | 81.3843% | 5,501 |
| Equity capital to assets | 8.3582% | 6,213 |
| Core capital (leverage) ratio | 7.8477% | 6,376 |
| Tier 1 risk-based capital ratio | 12.1052% | 5,895 |
| Total risk-based capital ratio | 13.3685% | 5,861 |
| Memoranda: | ||
| Average total assets | $53,143,000 | 6,260 |
| Average earning assets | $49,674,500 | 6,208 |
| Average equity | $4,540,000 | 6,567 |
| Average total loans | $37,737,500 | 5,744 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6323% | 895 |
| Cost of funding earning assets | 1.4715% | 797 |
| Net interest margin | 4.1608% | 2,192 |
| Noninterest income to average assets | 0.2278% | 5,901 |
| Noninterest expense to average assets | 2.4258% | 5,707 |
| Loan and lease loss provision to assets | 0.9482% | 1,014 |
| Net operating income to assets | 0.4318% | 4,727 |
| Return on assets (ROA) | 0.4318% | 4,928 |
| Pretax return on assets | 0.6943% | 4,338 |
| Return on Equity (ROE) | 4.9930% | 4,393 |
| Retained earnings to average equity (ytd only) | 4.9930% | 2,643 |
| Net charge-offs to loans | -0.0658% | 7,087 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6267% | 5,817 |
| Assets per employee ($millions) | 4.6895% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1335% | 1,922 |
| Loan loss allowance to noncurrent loans | 105.5556% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.4655% | 3,774 |
| Noncurrent loans to loans | 2.0212% | 3,177 |
| Net loans and leases to total assets | 70.9606% | 1,826 |
| Net loans and leases to deposits | 88.2601% | 1,346 |
| Net loans and leases to core deposits | 88.8061% | 2,275 |
| Total domestic deposits to total assets | 80.3993% | 5,624 |
| Equity capital to assets | 8.7390% | 5,861 |
| Core capital (leverage) ratio | 8.2585% | 5,914 |
| Tier 1 risk-based capital ratio | 11.0946% | 6,405 |
| Total risk-based capital ratio | 12.3542% | 6,380 |
| Memoranda: | ||
| Average total assets | $46,087,400 | 6,479 |
| Average earning assets | $42,540,400 | 6,439 |
| Average equity | $3,985,600 | 6,750 |
| Average total loans | $34,962,200 | 5,915 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7254% | 813 |
| Cost of funding earning assets | 1.5147% | 816 |
| Net interest margin | 4.2107% | 2,054 |
| Noninterest income to average assets | 0.2356% | 5,938 |
| Noninterest expense to average assets | 2.5018% | 5,457 |
| Loan and lease loss provision to assets | 0.4085% | 2,421 |
| Net operating income to assets | 0.8111% | 3,103 |
| Return on assets (ROA) | 0.8111% | 3,272 |
| Pretax return on assets | 1.2047% | 2,614 |
| Return on Equity (ROE) | 9.4075% | 2,421 |
| Retained earnings to average equity (ytd only) | 9.4075% | 1,008 |
| Net charge-offs to loans | -0.0893% | 7,146 |
| Credit loss provision to net charge-offs | -595.6522% | 6,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7971% | 5,591 |
| Assets per employee ($millions) | 5.5486% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 4,754 |
| Loan loss allowance to noncurrent loans | 766.1538% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 6,724 |
| Noncurrent loans to loans | 0.1768% | 6,519 |
| Net loans and leases to total assets | 72.6355% | 1,579 |
| Net loans and leases to deposits | 93.6535% | 864 |
| Net loans and leases to core deposits | 93.6535% | 1,819 |
| Total domestic deposits to total assets | 77.5577% | 6,284 |
| Equity capital to assets | 9.1776% | 5,546 |
| Core capital (leverage) ratio | 8.7472% | 5,343 |
| Tier 1 risk-based capital ratio | 11.7474% | 6,070 |
| Total risk-based capital ratio | 12.9982% | 6,069 |
| Memoranda: | ||
| Average total assets | $44,713,000 | 6,563 |
| Average earning assets | $41,195,250 | 6,540 |
| Average equity | $3,855,000 | 6,846 |
| Average total loans | $34,352,000 | 6,003 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6664% | 932 |
| Cost of funding earning assets | 1.5182% | 946 |
| Net interest margin | 4.1483% | 2,235 |
| Noninterest income to average assets | 0.2327% | 5,978 |
| Noninterest expense to average assets | 2.5366% | 5,411 |
| Loan and lease loss provision to assets | 0.6376% | 1,507 |
| Net operating income to assets | 0.5632% | 4,250 |
| Return on assets (ROA) | 0.5632% | 4,376 |
| Pretax return on assets | 0.8610% | 3,790 |
| Return on Equity (ROE) | 6.6993% | 3,592 |
| Retained earnings to average equity (ytd only) | 6.6993% | 2,023 |
| Net charge-offs to loans | -0.1431% | 7,246 |
| Credit loss provision to net charge-offs | -570.8333% | 6,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8604% | 5,424 |
| Assets per employee ($millions) | 4.7801% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 4,993 |
| Loan loss allowance to noncurrent loans | 712.8571% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 5,963 |
| Noncurrent loans to loans | 0.1844% | 6,536 |
| Net loans and leases to total assets | 78.3666% | 725 |
| Net loans and leases to deposits | 100.3617% | 479 |
| Net loans and leases to core deposits | 100.3617% | 1,314 |
| Total domestic deposits to total assets | 78.0841% | 6,272 |
| Equity capital to assets | 9.1400% | 5,375 |
| Core capital (leverage) ratio | 9.1984% | 4,404 |
| Tier 1 risk-based capital ratio | 11.9011% | 5,858 |
| Total risk-based capital ratio | 13.1552% | 5,832 |
| Memoranda: | ||
| Average total assets | $42,971,670 | 6,681 |
| Average earning assets | $39,390,000 | 6,665 |
| Average equity | $3,612,330 | 6,953 |
| Average total loans | $33,546,000 | 6,102 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4837% | 1,339 |
| Cost of funding earning assets | 1.5683% | 921 |
| Net interest margin | 3.9154% | 3,066 |
| Noninterest income to average assets | 0.2367% | 6,018 |
| Noninterest expense to average assets | 2.5643% | 5,348 |
| Loan and lease loss provision to assets | 1.3512% | 498 |
| Net operating income to assets | -0.3551% | 6,707 |
| Return on assets (ROA) | -0.3551% | 6,712 |
| Pretax return on assets | -0.1085% | 6,456 |
| Return on Equity (ROE) | -4.4527% | 6,776 |
| Retained earnings to average equity (ytd only) | -4.4527% | 6,470 |
| Net charge-offs to loans | -0.3191% | 7,348 |
| Credit loss provision to net charge-offs | -548.0000% | 5,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3575% | 4,777 |
| Assets per employee ($millions) | 4.5157% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 3,956 |
| Loan loss allowance to noncurrent loans | 102.4590% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 4,551 |
| Noncurrent loans to loans | 1.5137% | 4,205 |
| Net loans and leases to total assets | 78.0936% | 716 |
| Net loans and leases to deposits | 96.6914% | 643 |
| Net loans and leases to core deposits | 96.6914% | 1,621 |
| Total domestic deposits to total assets | 80.7657% | 5,731 |
| Equity capital to assets | 7.9132% | 6,581 |
| Core capital (leverage) ratio | 7.1553% | 6,938 |
| Tier 1 risk-based capital ratio | 9.6856% | 7,096 |
| Total risk-based capital ratio | 10.9419% | 7,108 |
| Memoranda: | ||
| Average total assets | $40,557,000 | 6,813 |
| Average earning assets | $36,982,000 | 6,806 |
| Average equity | $3,234,000 | 7,101 |
| Average total loans | $31,339,500 | 6,275 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2152% | 544 |
| Cost of funding earning assets | 1.8259% | 1,073 |
| Net interest margin | 4.3893% | 1,515 |
| Noninterest income to average assets | 0.2541% | 5,981 |
| Noninterest expense to average assets | 3.0557% | 3,644 |
| Loan and lease loss provision to assets | 0.3890% | 3,780 |
| Net operating income to assets | 1.9671% | 296 |
| Return on assets (ROA) | 1.9671% | 313 |
| Pretax return on assets | 0.7310% | 3,866 |
| Return on Equity (ROE) | 21.7482% | 170 |
| Retained earnings to average equity (ytd only) | 21.7482% | 37 |
| Net charge-offs to loans | 0.0545% | 6,244 |
| Credit loss provision to net charge-offs | 885.7143% | 243 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 837 |
| Efficiency ratio | 73.1781% | 3,563 |
| Assets per employee ($millions) | 4.4970% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 5,919 |
| Loan loss allowance to noncurrent loans | 177.8947% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 6,107 |
| Noncurrent loans to loans | 0.6242% | 5,803 |
| Net loans and leases to total assets | 74.3780% | 1,583 |
| Net loans and leases to deposits | 92.3575% | 1,227 |
| Net loans and leases to core deposits | 93.0771% | 2,373 |
| Total domestic deposits to total assets | 80.5327% | 5,675 |
| Equity capital to assets | 8.0350% | 6,460 |
| Core capital (leverage) ratio | 7.4602% | 6,736 |
| Tier 1 risk-based capital ratio | 10.1791% | 6,885 |
| Total risk-based capital ratio | 11.3871% | 6,890 |
| Memoranda: | ||
| Average total assets | $31,874,800 | 7,152 |
| Average earning assets | $28,478,400 | 7,147 |
| Average equity | $2,883,000 | 7,304 |
| Average total loans | $25,696,600 | 6,628 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3672% | 442 |
| Cost of funding earning assets | 1.8257% | 1,319 |
| Net interest margin | 4.5415% | 1,169 |
| Noninterest income to average assets | 0.2601% | 6,039 |
| Noninterest expense to average assets | 3.1891% | 2,963 |
| Loan and lease loss provision to assets | 0.4216% | 3,377 |
| Net operating income to assets | 2.4894% | 134 |
| Return on assets (ROA) | 2.4894% | 140 |
| Pretax return on assets | 0.6773% | 4,312 |
| Return on Equity (ROE) | 26.5155% | 85 |
| Retained earnings to average equity (ytd only) | 26.5155% | 24 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3724% | 3,250 |
| Assets per employee ($millions) | 3.6075% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 5,701 |
| Loan loss allowance to noncurrent loans | 145.9091% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 5,910 |
| Noncurrent loans to loans | 0.7896% | 5,631 |
| Net loans and leases to total assets | 76.3437% | 1,345 |
| Net loans and leases to deposits | 97.4799% | 844 |
| Net loans and leases to core deposits | 99.2862% | 1,919 |
| Total domestic deposits to total assets | 78.3174% | 6,195 |
| Equity capital to assets | 8.8177% | 5,831 |
| Core capital (leverage) ratio | 8.7471% | 5,109 |
| Tier 1 risk-based capital ratio | 10.1686% | 6,973 |
| Total risk-based capital ratio | 11.3504% | 6,994 |
| Memoranda: | ||
| Average total assets | $29,725,250 | 7,304 |
| Average earning assets | $26,363,500 | 7,305 |
| Average equity | $2,790,750 | 7,422 |
| Average total loans | $24,510,500 | 6,791 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3842% | 425 |
| Cost of funding earning assets | 1.8831% | 1,294 |
| Net interest margin | 4.5012% | 1,208 |
| Noninterest income to average assets | 0.2246% | 6,313 |
| Noninterest expense to average assets | 3.3540% | 2,397 |
| Loan and lease loss provision to assets | 0.3839% | 3,411 |
| Net operating income to assets | 0.4346% | 4,606 |
| Return on assets (ROA) | 0.4346% | 4,762 |
| Pretax return on assets | 0.4346% | 5,109 |
| Return on Equity (ROE) | 4.5101% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.5101% | 3,198 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3819% | 2,390 |
| Assets per employee ($millions) | 2.6811% | 6,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 6,170 |
| Loan loss allowance to noncurrent loans | 147.1204% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.6476% | 5,873 |
| Noncurrent loans to loans | 0.7155% | 5,824 |
| Net loans and leases to total assets | 89.5633% | 91 |
| Net loans and leases to deposits | 109.1668% | 296 |
| Net loans and leases to core deposits | 111.5268% | 1,060 |
| Total domestic deposits to total assets | 82.0426% | 4,964 |
| Equity capital to assets | 9.1076% | 5,284 |
| Core capital (leverage) ratio | 9.6715% | 3,575 |
| Tier 1 risk-based capital ratio | 10.8895% | 6,360 |
| Total risk-based capital ratio | 12.0356% | 6,443 |
| Memoranda: | ||
| Average total assets | $27,608,670 | 7,425 |
| Average earning assets | $24,216,000 | 7,432 |
| Average equity | $2,660,670 | 7,511 |
| Average total loans | $23,393,330 | 6,894 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1133% | 762 |
| Cost of funding earning assets | 1.9268% | 1,337 |
| Net interest margin | 4.1865% | 2,101 |
| Noninterest income to average assets | 0.2400% | 6,233 |
| Noninterest expense to average assets | 3.1500% | 3,056 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6750% | 3,549 |
| Return on assets (ROA) | 0.6750% | 3,668 |
| Pretax return on assets | 0.6750% | 4,320 |
| Return on Equity (ROE) | 6.7976% | 3,450 |
| Retained earnings to average equity (ytd only) | 6.7976% | 2,217 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3529% | 2,229 |
| Assets per employee ($millions) | 2.6296% | 6,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 6,208 |
| Loan loss allowance to noncurrent loans | 74.1100% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 4,825 |
| Noncurrent loans to loans | 1.4227% | 4,600 |
| Net loans and leases to total assets | 81.7273% | 625 |
| Net loans and leases to deposits | 95.4434% | 1,175 |
| Net loans and leases to core deposits | 95.4434% | 2,646 |
| Total domestic deposits to total assets | 85.6290% | 3,350 |
| Equity capital to assets | 10.1574% | 3,663 |
| Core capital (leverage) ratio | 10.0961% | 3,045 |
| Tier 1 risk-based capital ratio | 12.4953% | 4,757 |
| Total risk-based capital ratio | 13.5675% | 4,847 |
| Memoranda: | ||
| Average total assets | $26,667,000 | 7,538 |
| Average earning assets | $22,835,500 | 7,570 |
| Average equity | $2,648,000 | 7,594 |
| Average total loans | $21,742,500 | 7,063 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9840% | 1,930 |
| Cost of funding earning assets | 2.5703% | 849 |
| Net interest margin | 3.4137% | 5,317 |
| Noninterest income to average assets | 0.3481% | 5,605 |
| Noninterest expense to average assets | 4.2087% | 1,091 |
| Loan and lease loss provision to assets | 0.3599% | 4,644 |
| Net operating income to assets | -1.2125% | 6,718 |
| Return on assets (ROA) | -1.2125% | 6,714 |
| Pretax return on assets | -1.2125% | 6,546 |
| Return on Equity (ROE) | -11.4206% | 6,725 |
| Retained earnings to average equity (ytd only) | -11.4206% | 6,634 |
| Net charge-offs to loans | 0.1747% | 5,554 |
| Credit loss provision to net charge-offs | 278.7879% | 1,229 |
| Earnings coverage of net charge-offs (x) | -6.6061% | 7,133 |
| Efficiency ratio | 125.4079% | 519 |
| Assets per employee ($millions) | 3.0042% | 6,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 6,142 |
| Loan loss allowance to noncurrent loans | 109.6154% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7693% | 5,563 |
| Noncurrent loans to loans | 0.9557% | 5,399 |
| Net loans and leases to total assets | 79.6546% | 1,052 |
| Net loans and leases to deposits | 92.5129% | 1,815 |
| Net loans and leases to core deposits | 121.7330% | 1,806 |
| Total domestic deposits to total assets | 86.1010% | 2,964 |
| Equity capital to assets | 9.7086% | 4,136 |
| Core capital (leverage) ratio | 9.6966% | 3,458 |
| Tier 1 risk-based capital ratio | 12.3709% | 4,622 |
| Total risk-based capital ratio | 13.4512% | 4,733 |
| Memoranda: | ||
| Average total assets | $25,566,200 | 7,627 |
| Average earning assets | $22,526,600 | 7,631 |
| Average equity | $2,714,400 | 7,672 |
| Average total loans | $18,889,000 | 7,264 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8788% | 2,540 |
| Cost of funding earning assets | 2.5817% | 1,071 |
| Net interest margin | 3.2971% | 5,654 |
| Noninterest income to average assets | 0.3598% | 5,619 |
| Noninterest expense to average assets | 3.7568% | 1,692 |
| Loan and lease loss provision to assets | 0.4868% | 3,467 |
| Net operating income to assets | -0.9577% | 6,801 |
| Return on assets (ROA) | -0.9577% | 6,809 |
| Pretax return on assets | -0.9577% | 6,652 |
| Return on Equity (ROE) | -8.8181% | 6,800 |
| Retained earnings to average equity (ytd only) | -8.8181% | 6,689 |
| Net charge-offs to loans | 0.2422% | 4,538 |
| Credit loss provision to net charge-offs | 278.7879% | 1,509 |
| Earnings coverage of net charge-offs (x) | -2.6968% | 6,789 |
| Efficiency ratio | 114.3317% | 686 |
| Assets per employee ($millions) | 2.9253% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 5,604 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 6,772 |
| Noncurrent loans to loans | 0.3731% | 6,599 |
| Net loans and leases to total assets | 76.5003% | 1,893 |
| Net loans and leases to deposits | 89.8310% | 2,615 |
| Net loans and leases to core deposits | 123.4357% | 1,954 |
| Total domestic deposits to total assets | 85.1603% | 3,145 |
| Equity capital to assets | 10.4641% | 3,554 |
| Core capital (leverage) ratio | 10.2780% | 2,994 |
| Tier 1 risk-based capital ratio | 13.7336% | 3,694 |
| Total risk-based capital ratio | 14.8764% | 3,704 |
| Memoranda: | ||
| Average total assets | $25,198,250 | 7,707 |
| Average earning assets | $22,362,250 | 7,708 |
| Average equity | $2,736,750 | 7,738 |
| Average total loans | $18,170,000 | 7,372 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8248% | 2,936 |
| Cost of funding earning assets | 2.6171% | 1,240 |
| Net interest margin | 3.2077% | 5,889 |
| Noninterest income to average assets | 0.3384% | 5,809 |
| Noninterest expense to average assets | 3.7628% | 1,718 |
| Loan and lease loss provision to assets | 0.0806% | 6,379 |
| Net operating income to assets | -0.6607% | 6,716 |
| Return on assets (ROA) | -0.6607% | 6,724 |
| Pretax return on assets | -0.6607% | 6,573 |
| Return on Equity (ROE) | -6.0059% | 6,710 |
| Retained earnings to average equity (ytd only) | -6.0059% | 6,451 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.2278% | 700 |
| Assets per employee ($millions) | 3.0252% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 6,449 |
| Loan loss allowance to noncurrent loans | 17,900.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 7,651 |
| Noncurrent loans to loans | 0.0054% | 7,559 |
| Net loans and leases to total assets | 67.1613% | 4,327 |
| Net loans and leases to deposits | 78.7307% | 4,748 |
| Net loans and leases to core deposits | 106.1227% | 3,829 |
| Total domestic deposits to total assets | 85.3050% | 3,105 |
| Equity capital to assets | 10.4712% | 3,439 |
| Core capital (leverage) ratio | 10.8189% | 2,551 |
| Tier 1 risk-based capital ratio | 14.9879% | 3,023 |
| Total risk-based capital ratio | 15.9328% | 3,095 |
| Memoranda: | ||
| Average total assets | $24,821,670 | 7,792 |
| Average earning assets | $22,009,330 | 7,797 |
| Average equity | $2,730,670 | 7,810 |
| Average total loans | $17,437,000 | 7,463 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7879% | 3,364 |
| Cost of funding earning assets | 2.7690% | 1,061 |
| Net interest margin | 3.0189% | 6,429 |
| Noninterest income to average assets | 0.3556% | 5,601 |
| Noninterest expense to average assets | 3.8782% | 1,340 |
| Loan and lease loss provision to assets | 0.0847% | 5,871 |
| Net operating income to assets | -0.9484% | 7,221 |
| Return on assets (ROA) | -0.9484% | 7,248 |
| Pretax return on assets | -0.9484% | 7,127 |
| Return on Equity (ROE) | -8.3879% | 7,262 |
| Retained earnings to average equity (ytd only) | -8.3879% | 6,951 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.6517% | 512 |
| Assets per employee ($millions) | 2.8296% | 6,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 6,110 |
| Loan loss allowance to noncurrent loans | 17,300.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 6,624 |
| Noncurrent loans to loans | 0.0058% | 7,560 |
| Net loans and leases to total assets | 66.5711% | 4,447 |
| Net loans and leases to deposits | 79.0534% | 4,766 |
| Net loans and leases to core deposits | 108.1807% | 3,657 |
| Total domestic deposits to total assets | 84.2103% | 3,599 |
| Equity capital to assets | 11.3013% | 2,717 |
| Core capital (leverage) ratio | 12.0990% | 1,855 |
| Tier 1 risk-based capital ratio | 16.3837% | 2,559 |
| Total risk-based capital ratio | 17.3727% | 2,585 |
| Memoranda: | ||
| Average total assets | $23,619,000 | 7,879 |
| Average earning assets | $20,802,000 | 7,881 |
| Average equity | $2,670,500 | 7,875 |
| Average total loans | $16,923,000 | 7,534 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5904% | 2,535 |
| Cost of funding earning assets | 3.1835% | 1,245 |
| Net interest margin | 3.4069% | 5,632 |
| Noninterest income to average assets | 0.3825% | 5,614 |
| Noninterest expense to average assets | 4.1057% | 1,269 |
| Loan and lease loss provision to assets | 0.0489% | 6,799 |
| Net operating income to assets | -0.7873% | 7,129 |
| Return on assets (ROA) | -0.7873% | 7,029 |
| Pretax return on assets | -0.7873% | 6,874 |
| Return on Equity (ROE) | -6.8685% | 7,035 |
| Retained earnings to average equity (ytd only) | -6.8685% | 6,767 |
| Net charge-offs to loans | 0.0067% | 6,864 |
| Credit loss provision to net charge-offs | 1,100.0000% | 401 |
| Earnings coverage of net charge-offs (x) | -166.0000% | 7,014 |
| Efficiency ratio | 121.9287% | 551 |
| Assets per employee ($millions) | 2.4191% | 7,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 5,997 |
| Loan loss allowance to noncurrent loans | 16,800.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 6,198 |
| Noncurrent loans to loans | 0.0060% | 7,533 |
| Net loans and leases to total assets | 76.0243% | 2,616 |
| Net loans and leases to deposits | 89.2435% | 3,591 |
| Net loans and leases to core deposits | 125.1664% | 2,237 |
| Total domestic deposits to total assets | 85.1874% | 2,755 |
| Equity capital to assets | 11.3127% | 2,790 |
| Core capital (leverage) ratio | 11.6049% | 2,188 |
| Tier 1 risk-based capital ratio | 15.0948% | 2,993 |
| Total risk-based capital ratio | 16.1352% | 3,022 |
| Memoranda: | ||
| Average total assets | $22,480,800 | 7,930 |
| Average earning assets | $19,695,200 | 7,951 |
| Average equity | $2,577,000 | 7,954 |
| Average total loans | $14,932,800 | 7,654 |