Home > Covington County Bank > Performance and Condition Ratios
Covington County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7985% | 837 |
| Cost of funding earning assets | 1.3811% | 2,277 |
| Net interest margin | 4.4174% | 692 |
| Noninterest income to average assets | 6.3300% | 111 |
| Noninterest expense to average assets | 3.5700% | 532 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 4.9967% | 75 |
| Return on assets (ROA) | 4.9967% | 75 |
| Pretax return on assets | 6.6326% | 68 |
| Return on Equity (ROE) | 51.1500% | 50 |
| Retained earnings to average equity (ytd only) | 43.6901% | 22 |
| Net charge-offs to loans | 0.0255% | 1,807 |
| Credit loss provision to net charge-offs | 1,106.6667% | 381 |
| Earnings coverage of net charge-offs (x) | 418.9333% | 337 |
| Efficiency ratio | 34.3845% | 4,458 |
| Assets per employee ($millions) | 4.6582% | 3,847 |
| Cash dividends to net income (ytd only)* | 14.5802% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 3,146 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 842 |
| Noncurrent loans to loans | 1.0326% | 717 |
| Net loans and leases to total assets | 61.5300% | 2,713 |
| Net loans and leases to deposits | 71.5803% | 2,781 |
| Net loans and leases to core deposits | 87.4840% | 2,212 |
| Total domestic deposits to total assets | 85.9600% | 2,032 |
| Equity capital to assets | 11.4533% | 1,304 |
| Core capital (leverage) ratio | 13.7285% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3399% | 583 |
| Memoranda: | ||
| Average total assets | $92,241,200 | 3,895 |
| Average earning assets | $84,642,800 | 3,886 |
| Average equity | $9,011,200 | 3,820 |
| Average total loans | $58,820,800 | 3,725 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1375% | 1,564 |
| Cost of funding earning assets | 1.2627% | 2,247 |
| Net interest margin | 3.8748% | 1,454 |
| Noninterest income to average assets | 8.3600% | 97 |
| Noninterest expense to average assets | 3.5106% | 549 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 7.7859% | 51 |
| Return on assets (ROA) | 7.7859% | 51 |
| Pretax return on assets | 8.2027% | 57 |
| Return on Equity (ROE) | 83.5800% | 28 |
| Retained earnings to average equity (ytd only) | 83.5774% | 13 |
| Net charge-offs to loans | 0.0206% | 1,707 |
| Credit loss provision to net charge-offs | 1,477.7778% | 308 |
| Earnings coverage of net charge-offs (x) | 635.6667% | 248 |
| Efficiency ratio | 29.4835% | 4,522 |
| Assets per employee ($millions) | 4.6975% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 3,403 |
| Loan loss allowance to noncurrent loans | 93.9063% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 882 |
| Noncurrent loans to loans | 1.0595% | 753 |
| Net loans and leases to total assets | 60.6200% | 2,784 |
| Net loans and leases to deposits | 70.1015% | 2,835 |
| Net loans and leases to core deposits | 85.1984% | 2,240 |
| Total domestic deposits to total assets | 86.4800% | 2,046 |
| Equity capital to assets | 12.0763% | 1,023 |
| Core capital (leverage) ratio | 15.6289% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8254% | 720 |
| Memoranda: | ||
| Average total assets | $90,846,000 | 3,922 |
| Average earning assets | $83,203,250 | 3,913 |
| Average equity | $8,463,000 | 3,888 |
| Average total loans | $58,321,750 | 3,736 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1008% | 1,373 |
| Cost of funding earning assets | 1.0982% | 2,285 |
| Net interest margin | 4.0027% | 1,233 |
| Noninterest income to average assets | 1.1300% | 479 |
| Noninterest expense to average assets | 3.0370% | 983 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.1967% | 1,841 |
| Return on assets (ROA) | 1.1967% | 1,832 |
| Pretax return on assets | 1.6341% | 1,351 |
| Return on Equity (ROE) | 14.4400% | 1,592 |
| Retained earnings to average equity (ytd only) | 14.4400% | 631 |
| Net charge-offs to loans | 0.0243% | 1,397 |
| Credit loss provision to net charge-offs | 714.2857% | 511 |
| Earnings coverage of net charge-offs (x) | 110.1429% | 887 |
| Efficiency ratio | 63.4770% | 2,544 |
| Assets per employee ($millions) | 4.4366% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 3,861 |
| Loan loss allowance to noncurrent loans | 82.4089% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 774 |
| Noncurrent loans to loans | 1.0536% | 697 |
| Net loans and leases to total assets | 63.7300% | 2,411 |
| Net loans and leases to deposits | 70.2245% | 2,767 |
| Net loans and leases to core deposits | 84.4828% | 2,182 |
| Total domestic deposits to total assets | 90.7400% | 717 |
| Equity capital to assets | 8.1551% | 3,110 |
| Core capital (leverage) ratio | 11.1071% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9903% | 1,578 |
| Memoranda: | ||
| Average total assets | $88,245,333 | 3,957 |
| Average earning assets | $80,496,667 | 3,965 |
| Average equity | $7,313,000 | 4,038 |
| Average total loans | $57,627,000 | 3,758 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2173% | 936 |
| Cost of funding earning assets | 0.9681% | 2,160 |
| Net interest margin | 4.2493% | 877 |
| Noninterest income to average assets | 1.1000% | 501 |
| Noninterest expense to average assets | 3.1008% | 935 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.3196% | 1,623 |
| Return on assets (ROA) | 1.3196% | 1,590 |
| Pretax return on assets | 1.7906% | 1,080 |
| Return on Equity (ROE) | 15.7900% | 1,404 |
| Retained earnings to average equity (ytd only) | 15.7869% | 712 |
| Net charge-offs to loans | 0.0071% | 1,683 |
| Credit loss provision to net charge-offs | 2,000.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 404.0000% | 274 |
| Efficiency ratio | 62.2077% | 2,658 |
| Assets per employee ($millions) | 4.0972% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 3,944 |
| Loan loss allowance to noncurrent loans | 72.7273% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.7926% | 606 |
| Noncurrent loans to loans | 1.1910% | 581 |
| Net loans and leases to total assets | 65.9800% | 2,060 |
| Net loans and leases to deposits | 72.8507% | 2,395 |
| Net loans and leases to core deposits | 78.7498% | 2,339 |
| Total domestic deposits to total assets | 90.5600% | 958 |
| Equity capital to assets | 8.5982% | 2,815 |
| Core capital (leverage) ratio | 10.3159% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9616% | 1,377 |
| Memoranda: | ||
| Average total assets | $85,783,500 | 4,044 |
| Average earning assets | $78,507,500 | 4,030 |
| Average equity | $7,170,500 | 4,099 |
| Average total loans | $56,494,500 | 3,815 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7188% | 2,477 |
| Cost of funding earning assets | 0.4469% | 1,745 |
| Net interest margin | 3.2719% | 2,642 |
| Noninterest income to average assets | 1.5800% | 324 |
| Noninterest expense to average assets | 3.2056% | 717 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9616% | 2,718 |
| Return on assets (ROA) | 0.9625% | 2,658 |
| Pretax return on assets | 1.3144% | 2,039 |
| Return on Equity (ROE) | 11.1700% | 2,417 |
| Retained earnings to average equity (ytd only) | 6.5838% | 2,416 |
| Net charge-offs to loans | 0.0434% | 1,253 |
| Credit loss provision to net charge-offs | 357.1429% | 829 |
| Earnings coverage of net charge-offs (x) | 57.2381% | 1,288 |
| Efficiency ratio | 69.5927% | 1,747 |
| Assets per employee ($millions) | 4.0727% | 4,260 |
| Cash dividends to net income (ytd only)* | 41.0412% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 3,903 |
| Loan loss allowance to noncurrent loans | 60.9974% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.9143% | 483 |
| Noncurrent loans to loans | 1.4033% | 476 |
| Net loans and leases to total assets | 64.6000% | 2,186 |
| Net loans and leases to deposits | 70.8333% | 2,507 |
| Net loans and leases to core deposits | 75.9722% | 2,425 |
| Total domestic deposits to total assets | 91.2000% | 876 |
| Equity capital to assets | 8.1180% | 2,982 |
| Core capital (leverage) ratio | 11.1484% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4284% | 1,498 |
| Memoranda: | ||
| Average total assets | $85,818,600 | 4,063 |
| Average earning assets | $79,434,600 | 4,040 |
| Average equity | $7,397,000 | 4,164 |
| Average total loans | $48,375,200 | 3,922 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4858% | 2,661 |
| Cost of funding earning assets | 0.4146% | 1,194 |
| Net interest margin | 3.0712% | 3,016 |
| Noninterest income to average assets | 1.2700% | 454 |
| Noninterest expense to average assets | 2.9959% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8324% | 3,123 |
| Return on assets (ROA) | 0.8336% | 3,087 |
| Pretax return on assets | 1.1301% | 2,631 |
| Return on Equity (ROE) | 9.5300% | 2,863 |
| Retained earnings to average equity (ytd only) | 9.5331% | 1,471 |
| Net charge-offs to loans | 0.0458% | 1,027 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 45.4375% | 1,329 |
| Efficiency ratio | 72.6383% | 1,427 |
| Assets per employee ($millions) | 3.9329% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 4,121 |
| Loan loss allowance to noncurrent loans | 49.5737% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 2.1637% | 114 |
| Noncurrent loans to loans | 1.5876% | 431 |
| Net loans and leases to total assets | 62.1200% | 2,273 |
| Net loans and leases to deposits | 68.3884% | 2,505 |
| Net loans and leases to core deposits | 72.3867% | 2,456 |
| Total domestic deposits to total assets | 90.8400% | 1,304 |
| Equity capital to assets | 8.1329% | 2,813 |
| Core capital (leverage) ratio | 10.8336% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2383% | 1,133 |
| Memoranda: | ||
| Average total assets | $85,891,750 | 4,092 |
| Average earning assets | $79,750,750 | 4,068 |
| Average equity | $7,510,500 | 4,191 |
| Average total loans | $46,537,250 | 3,974 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2354% | 2,938 |
| Cost of funding earning assets | 0.4199% | 804 |
| Net interest margin | 2.8155% | 3,399 |
| Noninterest income to average assets | 1.3426% | 392 |
| Noninterest expense to average assets | 2.9773% | 871 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7219% | 3,234 |
| Return on assets (ROA) | 0.7219% | 3,184 |
| Pretax return on assets | 0.9863% | 2,780 |
| Return on Equity (ROE) | 8.0772% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.0772% | 1,590 |
| Net charge-offs to loans | 0.0759% | 708 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 25.2353% | 1,467 |
| Efficiency ratio | 75.1160% | 1,377 |
| Assets per employee ($millions) | 3.9539% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8461% | 4,091 |
| Loan loss allowance to noncurrent loans | 52.1181% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 548 |
| Noncurrent loans to loans | 1.6235% | 444 |
| Net loans and leases to total assets | 54.6962% | 2,890 |
| Net loans and leases to deposits | 60.1370% | 3,040 |
| Net loans and leases to core deposits | 63.4585% | 3,006 |
| Total domestic deposits to total assets | 90.9526% | 1,261 |
| Equity capital to assets | 8.1956% | 2,973 |
| Core capital (leverage) ratio | 10.4090% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8234% | 1,217 |
| Memoranda: | ||
| Average total assets | $86,992,333 | 4,120 |
| Average earning assets | $80,980,000 | 4,108 |
| Average equity | $7,775,000 | 4,227 |
| Average total loans | $44,811,667 | 4,053 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1100% | 2,953 |
| Cost of funding earning assets | 0.4288% | 730 |
| Net interest margin | 2.6812% | 3,445 |
| Noninterest income to average assets | 0.9932% | 687 |
| Noninterest expense to average assets | 2.8139% | 1,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4874% | 3,744 |
| Return on assets (ROA) | 0.4874% | 3,708 |
| Pretax return on assets | 0.6805% | 3,442 |
| Return on Equity (ROE) | 5.2359% | 3,559 |
| Retained earnings to average equity (ytd only) | 5.2359% | 2,501 |
| Net charge-offs to loans | 0.0093% | 1,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 537 |
| Efficiency ratio | 80.5263% | 1,106 |
| Assets per employee ($millions) | 5.0470% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 3,903 |
| Loan loss allowance to noncurrent loans | 127.8788% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 1,442 |
| Noncurrent loans to loans | 0.7436% | 1,284 |
| Net loans and leases to total assets | 51.2325% | 3,044 |
| Net loans and leases to deposits | 56.5844% | 3,211 |
| Net loans and leases to core deposits | 59.7688% | 3,168 |
| Total domestic deposits to total assets | 90.5418% | 1,274 |
| Equity capital to assets | 8.7553% | 2,925 |
| Core capital (leverage) ratio | 9.3782% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2502% | 1,009 |
| Memoranda: | ||
| Average total assets | $86,995,500 | 4,132 |
| Average earning assets | $81,158,000 | 4,127 |
| Average equity | $8,098,000 | 4,264 |
| Average total loans | $43,225,500 | 4,099 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2151% | 3,441 |
| Cost of funding earning assets | 0.4965% | 952 |
| Net interest margin | 2.7187% | 3,840 |
| Noninterest income to average assets | 3.1228% | 172 |
| Noninterest expense to average assets | 3.0809% | 870 |
| Loan and lease loss provision to assets | 0.3492% | 213 |
| Net operating income to assets | 1.6814% | 662 |
| Return on assets (ROA) | 1.5003% | 1,062 |
| Pretax return on assets | 2.0066% | 593 |
| Return on Equity (ROE) | 15.5133% | 837 |
| Retained earnings to average equity (ytd only) | 12.5165% | 468 |
| Net charge-offs to loans | 0.0526% | 1,278 |
| Credit loss provision to net charge-offs | 1,363.6364% | 418 |
| Earnings coverage of net charge-offs (x) | 100.9545% | 879 |
| Efficiency ratio | 54.3755% | 3,889 |
| Assets per employee ($millions) | 4.4096% | 4,187 |
| Cash dividends to net income (ytd only)* | 19.3173% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 3,726 |
| Loan loss allowance to noncurrent loans | 120.1705% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 1,403 |
| Noncurrent loans to loans | 0.8367% | 1,212 |
| Net loans and leases to total assets | 47.2254% | 3,578 |
| Net loans and leases to deposits | 52.7409% | 3,684 |
| Net loans and leases to core deposits | 55.4396% | 3,666 |
| Total domestic deposits to total assets | 89.5421% | 1,215 |
| Equity capital to assets | 9.8467% | 2,803 |
| Core capital (leverage) ratio | 9.8657% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7705% | 928 |
| Memoranda: | ||
| Average total assets | $85,917,000 | 4,144 |
| Average earning assets | $80,370,600 | 4,129 |
| Average equity | $8,309,000 | 4,309 |
| Average total loans | $41,847,400 | 4,148 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2235% | 3,563 |
| Cost of funding earning assets | 0.5142% | 979 |
| Net interest margin | 2.7093% | 3,949 |
| Noninterest income to average assets | 3.8883% | 147 |
| Noninterest expense to average assets | 2.8572% | 1,207 |
| Loan and lease loss provision to assets | 0.4687% | 125 |
| Net operating income to assets | 2.8794% | 141 |
| Return on assets (ROA) | 2.5932% | 195 |
| Pretax return on assets | 2.7901% | 230 |
| Return on Equity (ROE) | 26.9411% | 127 |
| Retained earnings to average equity (ytd only) | 26.9411% | 39 |
| Net charge-offs to loans | 0.0606% | 1,032 |
| Credit loss provision to net charge-offs | 1,578.9474% | 383 |
| Earnings coverage of net charge-offs (x) | 120.1579% | 775 |
| Efficiency ratio | 44.4796% | 4,566 |
| Assets per employee ($millions) | 4.5953% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 3,786 |
| Loan loss allowance to noncurrent loans | 121.0227% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 1,600 |
| Noncurrent loans to loans | 0.8402% | 1,358 |
| Net loans and leases to total assets | 47.4969% | 3,676 |
| Net loans and leases to deposits | 53.5484% | 3,776 |
| Net loans and leases to core deposits | 55.8135% | 3,790 |
| Total domestic deposits to total assets | 88.6990% | 1,462 |
| Equity capital to assets | 10.9287% | 2,065 |
| Core capital (leverage) ratio | 10.7530% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9075% | 829 |
| Memoranda: | ||
| Average total assets | $85,348,250 | 4,201 |
| Average earning assets | $79,870,750 | 4,185 |
| Average equity | $8,215,250 | 4,374 |
| Average total loans | $41,791,250 | 4,204 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2052% | 3,669 |
| Cost of funding earning assets | 0.5279% | 1,045 |
| Net interest margin | 2.6773% | 4,025 |
| Noninterest income to average assets | 1.0697% | 960 |
| Noninterest expense to average assets | 2.8975% | 1,150 |
| Loan and lease loss provision to assets | 0.1181% | 1,071 |
| Net operating income to assets | 0.3849% | 4,415 |
| Return on assets (ROA) | 0.3849% | 4,454 |
| Pretax return on assets | 0.5573% | 4,300 |
| Return on Equity (ROE) | 4.1940% | 4,298 |
| Retained earnings to average equity (ytd only) | 4.1940% | 3,460 |
| Net charge-offs to loans | -0.0144% | 3,832 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0972% | 720 |
| Assets per employee ($millions) | 4.5719% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4721% | 4,757 |
| Loan loss allowance to noncurrent loans | 42.5806% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 1,475 |
| Noncurrent loans to loans | 1.1087% | 1,090 |
| Net loans and leases to total assets | 50.7236% | 3,483 |
| Net loans and leases to deposits | 56.2142% | 3,695 |
| Net loans and leases to core deposits | 58.2531% | 3,745 |
| Total domestic deposits to total assets | 90.2327% | 677 |
| Equity capital to assets | 9.5838% | 3,267 |
| Core capital (leverage) ratio | 9.1278% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6719% | 1,425 |
| Memoranda: | ||
| Average total assets | $84,694,000 | 4,235 |
| Average earning assets | $79,184,667 | 4,218 |
| Average equity | $7,773,000 | 4,438 |
| Average total loans | $41,756,333 | 4,239 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2414% | 3,605 |
| Cost of funding earning assets | 0.5286% | 1,213 |
| Net interest margin | 2.7128% | 3,937 |
| Noninterest income to average assets | 0.9966% | 1,135 |
| Noninterest expense to average assets | 2.8780% | 1,203 |
| Loan and lease loss provision to assets | 0.1164% | 1,176 |
| Net operating income to assets | 0.3726% | 4,410 |
| Return on assets (ROA) | 0.3726% | 4,438 |
| Pretax return on assets | 0.5355% | 4,295 |
| Return on Equity (ROE) | 4.1472% | 4,253 |
| Retained earnings to average equity (ytd only) | 4.1472% | 3,460 |
| Net charge-offs to loans | -0.0576% | 4,452 |
| Credit loss provision to net charge-offs | -416.6667% | 3,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5303% | 729 |
| Assets per employee ($millions) | 4.4831% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4157% | 4,819 |
| Loan loss allowance to noncurrent loans | 17.7958% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.1940% | 624 |
| Noncurrent loans to loans | 2.3361% | 415 |
| Net loans and leases to total assets | 49.4946% | 3,677 |
| Net loans and leases to deposits | 54.4416% | 3,910 |
| Net loans and leases to core deposits | 57.4100% | 3,880 |
| Total domestic deposits to total assets | 90.9133% | 433 |
| Equity capital to assets | 8.8743% | 3,813 |
| Core capital (leverage) ratio | 8.3277% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9874% | 1,572 |
| Memoranda: | ||
| Average total assets | $85,893,500 | 4,234 |
| Average earning assets | $80,212,500 | 4,213 |
| Average equity | $7,716,000 | 4,458 |
| Average total loans | $41,664,000 | 4,268 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 3,531 |
| Cost of funding earning assets | 0.7247% | 1,587 |
| Net interest margin | 2.9944% | 3,900 |
| Noninterest income to average assets | 1.0935% | 892 |
| Noninterest expense to average assets | 3.1981% | 1,061 |
| Loan and lease loss provision to assets | 0.1748% | 2,201 |
| Net operating income to assets | 0.3483% | 4,349 |
| Return on assets (ROA) | 0.3483% | 4,422 |
| Pretax return on assets | 0.4956% | 4,280 |
| Return on Equity (ROE) | 3.5400% | 4,259 |
| Retained earnings to average equity (ytd only) | 0.3553% | 4,407 |
| Net charge-offs to loans | 0.1489% | 1,097 |
| Credit loss provision to net charge-offs | 229.5082% | 2,021 |
| Earnings coverage of net charge-offs (x) | 8.8033% | 2,569 |
| Efficiency ratio | 82.6718% | 708 |
| Assets per employee ($millions) | 4.5583% | 3,861 |
| Cash dividends to net income (ytd only)* | 89.9642% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3537% | 4,877 |
| Loan loss allowance to noncurrent loans | 35.0242% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 2,020 |
| Noncurrent loans to loans | 1.0099% | 1,406 |
| Net loans and leases to total assets | 47.1642% | 4,040 |
| Net loans and leases to deposits | 52.1706% | 4,208 |
| Net loans and leases to core deposits | 55.2784% | 4,191 |
| Total domestic deposits to total assets | 90.4039% | 413 |
| Equity capital to assets | 9.0904% | 3,980 |
| Core capital (leverage) ratio | 9.0450% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0763% | 1,501 |
| Memoranda: | ||
| Average total assets | $80,109,200 | 4,241 |
| Average earning assets | $74,238,600 | 4,230 |
| Average equity | $7,881,400 | 4,436 |
| Average total loans | $40,980,400 | 4,292 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 3,310 |
| Cost of funding earning assets | 0.7852% | 1,565 |
| Net interest margin | 3.0986% | 3,744 |
| Noninterest income to average assets | 0.9785% | 1,062 |
| Noninterest expense to average assets | 3.1241% | 1,191 |
| Loan and lease loss provision to assets | 0.0675% | 3,489 |
| Net operating income to assets | 0.4706% | 4,117 |
| Return on assets (ROA) | 0.4706% | 4,191 |
| Pretax return on assets | 0.6557% | 3,992 |
| Return on Equity (ROE) | 4.6848% | 3,974 |
| Retained earnings to average equity (ytd only) | 4.6848% | 2,704 |
| Net charge-offs to loans | -0.0065% | 4,114 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1921% | 778 |
| Assets per employee ($millions) | 4.0525% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2630% | 4,946 |
| Loan loss allowance to noncurrent loans | 37.1134% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 2,587 |
| Noncurrent loans to loans | 0.7085% | 2,023 |
| Net loans and leases to total assets | 50.5410% | 4,069 |
| Net loans and leases to deposits | 56.5038% | 4,237 |
| Net loans and leases to core deposits | 60.1521% | 4,194 |
| Total domestic deposits to total assets | 89.4471% | 599 |
| Equity capital to assets | 10.0186% | 3,211 |
| Core capital (leverage) ratio | 9.6262% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5615% | 1,121 |
| Memoranda: | ||
| Average total assets | $78,484,500 | 4,270 |
| Average earning assets | $72,676,250 | 4,261 |
| Average equity | $7,883,500 | 4,456 |
| Average total loans | $40,977,250 | 4,320 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 3,267 |
| Cost of funding earning assets | 0.8512% | 1,597 |
| Net interest margin | 3.1711% | 3,741 |
| Noninterest income to average assets | 1.0614% | 880 |
| Noninterest expense to average assets | 3.1096% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6415% | 3,606 |
| Return on assets (ROA) | 0.6415% | 3,693 |
| Pretax return on assets | 0.8888% | 3,344 |
| Return on Equity (ROE) | 6.3808% | 3,372 |
| Retained earnings to average equity (ytd only) | 6.3808% | 1,909 |
| Net charge-offs to loans | -0.2100% | 4,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7706% | 1,075 |
| Assets per employee ($millions) | 4.3109% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2669% | 4,970 |
| Loan loss allowance to noncurrent loans | 29.7003% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 2,527 |
| Noncurrent loans to loans | 0.8988% | 1,703 |
| Net loans and leases to total assets | 49.7192% | 4,175 |
| Net loans and leases to deposits | 55.5625% | 4,307 |
| Net loans and leases to core deposits | 59.0991% | 4,302 |
| Total domestic deposits to total assets | 89.4833% | 579 |
| Equity capital to assets | 9.9685% | 3,234 |
| Core capital (leverage) ratio | 9.8924% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6692% | 1,102 |
| Memoranda: | ||
| Average total assets | $77,629,667 | 4,286 |
| Average earning assets | $71,898,667 | 4,276 |
| Average equity | $7,804,667 | 4,484 |
| Average total loans | $40,946,000 | 4,338 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3851% | 2,670 |
| Cost of funding earning assets | 0.9356% | 1,717 |
| Net interest margin | 3.4495% | 3,148 |
| Noninterest income to average assets | 1.0067% | 849 |
| Noninterest expense to average assets | 3.0308% | 1,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8319% | 2,792 |
| Return on assets (ROA) | 0.8319% | 2,874 |
| Pretax return on assets | 1.1604% | 2,334 |
| Return on Equity (ROE) | 8.2366% | 2,412 |
| Retained earnings to average equity (ytd only) | 8.2366% | 1,160 |
| Net charge-offs to loans | -0.4000% | 5,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3135% | 2,036 |
| Assets per employee ($millions) | 3.4786% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2582% | 5,015 |
| Loan loss allowance to noncurrent loans | 30.3116% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 2,553 |
| Noncurrent loans to loans | 0.8520% | 1,914 |
| Net loans and leases to total assets | 56.5728% | 3,792 |
| Net loans and leases to deposits | 63.8639% | 3,995 |
| Net loans and leases to core deposits | 68.4641% | 3,962 |
| Total domestic deposits to total assets | 88.5833% | 844 |
| Equity capital to assets | 10.3968% | 3,422 |
| Core capital (leverage) ratio | 9.5901% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4517% | 2,504 |
| Memoranda: | ||
| Average total assets | $75,490,500 | 4,320 |
| Average earning assets | $69,691,000 | 4,318 |
| Average equity | $7,624,500 | 4,534 |
| Average total loans | $41,002,500 | 4,350 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 3,896 |
| Cost of funding earning assets | 0.9971% | 1,736 |
| Net interest margin | 3.1685% | 4,254 |
| Noninterest income to average assets | 0.9168% | 1,151 |
| Noninterest expense to average assets | 3.0504% | 1,879 |
| Loan and lease loss provision to assets | 0.0988% | 2,073 |
| Net operating income to assets | 0.6053% | 4,140 |
| Return on assets (ROA) | 0.6053% | 4,201 |
| Pretax return on assets | 0.7091% | 4,191 |
| Return on Equity (ROE) | 6.4334% | 3,765 |
| Retained earnings to average equity (ytd only) | 2.3822% | 3,828 |
| Net charge-offs to loans | 0.2904% | 718 |
| Credit loss provision to net charge-offs | 67.2414% | 2,946 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 3,078 |
| Efficiency ratio | 79.0614% | 1,029 |
| Assets per employee ($millions) | 4.1016% | 3,772 |
| Cash dividends to net income (ytd only)* | 62.9707% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1627% | 5,097 |
| Loan loss allowance to noncurrent loans | 13.8655% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 2,062 |
| Noncurrent loans to loans | 1.1733% | 1,291 |
| Net loans and leases to total assets | 51.9761% | 4,226 |
| Net loans and leases to deposits | 58.0002% | 4,372 |
| Net loans and leases to core deposits | 62.6324% | 4,337 |
| Total domestic deposits to total assets | 89.6138% | 457 |
| Equity capital to assets | 9.8216% | 4,086 |
| Core capital (leverage) ratio | 9.8649% | 3,657 |
| Tier 1 risk-based capital ratio | 12.4689% | 4,085 |
| Total risk-based capital ratio | 12.5784% | 4,602 |
| Memoranda: | ||
| Average total assets | $78,973,600 | 4,305 |
| Average earning assets | $73,314,600 | 4,292 |
| Average equity | $7,430,000 | 4,582 |
| Average total loans | $39,945,200 | 4,400 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 3,895 |
| Cost of funding earning assets | 0.9963% | 1,780 |
| Net interest margin | 3.2157% | 4,264 |
| Noninterest income to average assets | 0.9171% | 1,106 |
| Noninterest expense to average assets | 2.9347% | 2,146 |
| Loan and lease loss provision to assets | 0.1313% | 1,471 |
| Net operating income to assets | 0.6310% | 4,213 |
| Return on assets (ROA) | 0.6310% | 4,262 |
| Pretax return on assets | 0.8330% | 4,049 |
| Return on Equity (ROE) | 6.7804% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.7804% | 1,965 |
| Net charge-offs to loans | 0.4256% | 392 |
| Credit loss provision to net charge-offs | 61.4173% | 2,697 |
| Earnings coverage of net charge-offs (x) | 4.5118% | 3,001 |
| Efficiency ratio | 75.2697% | 1,421 |
| Assets per employee ($millions) | 4.0067% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1373% | 5,176 |
| Loan loss allowance to noncurrent loans | 12.1681% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 0.8092% | 1,705 |
| Noncurrent loans to loans | 1.1285% | 1,408 |
| Net loans and leases to total assets | 52.5425% | 4,282 |
| Net loans and leases to deposits | 58.9330% | 4,430 |
| Net loans and leases to core deposits | 63.2795% | 4,415 |
| Total domestic deposits to total assets | 89.1563% | 566 |
| Equity capital to assets | 10.1948% | 3,828 |
| Core capital (leverage) ratio | 9.9285% | 3,711 |
| Tier 1 risk-based capital ratio | 12.3469% | 4,230 |
| Total risk-based capital ratio | 12.4350% | 4,714 |
| Memoranda: | ||
| Average total assets | $79,234,500 | 4,357 |
| Average earning assets | $73,470,250 | 4,346 |
| Average equity | $7,374,000 | 4,644 |
| Average total loans | $39,788,750 | 4,466 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1613% | 4,018 |
| Cost of funding earning assets | 0.9409% | 1,963 |
| Net interest margin | 3.2205% | 4,316 |
| Noninterest income to average assets | 0.9119% | 1,055 |
| Noninterest expense to average assets | 2.9077% | 2,264 |
| Loan and lease loss provision to assets | 0.0374% | 3,067 |
| Net operating income to assets | 0.7226% | 3,927 |
| Return on assets (ROA) | 0.7226% | 3,984 |
| Pretax return on assets | 0.9518% | 3,706 |
| Return on Equity (ROE) | 8.0055% | 3,290 |
| Retained earnings to average equity (ytd only) | 8.0055% | 1,393 |
| Net charge-offs to loans | 0.1914% | 864 |
| Credit loss provision to net charge-offs | 39.4737% | 2,540 |
| Earnings coverage of net charge-offs (x) | 10.4474% | 2,270 |
| Efficiency ratio | 74.6164% | 1,569 |
| Assets per employee ($millions) | 4.1808% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2044% | 5,215 |
| Loan loss allowance to noncurrent loans | 17.7243% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 0.9807% | 1,417 |
| Noncurrent loans to loans | 1.1533% | 1,406 |
| Net loans and leases to total assets | 49.7828% | 4,484 |
| Net loans and leases to deposits | 55.4310% | 4,616 |
| Net loans and leases to core deposits | 59.2959% | 4,600 |
| Total domestic deposits to total assets | 89.8105% | 387 |
| Equity capital to assets | 9.6645% | 4,259 |
| Core capital (leverage) ratio | 9.6053% | 4,032 |
| Tier 1 risk-based capital ratio | 11.9929% | 4,425 |
| Total risk-based capital ratio | 12.1203% | 4,884 |
| Memoranda: | ||
| Average total assets | $80,270,330 | 4,370 |
| Average earning assets | $74,399,000 | 4,364 |
| Average equity | $7,245,000 | 4,689 |
| Average total loans | $39,700,330 | 4,503 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 3,537 |
| Cost of funding earning assets | 0.8813% | 2,086 |
| Net interest margin | 3.4236% | 3,826 |
| Noninterest income to average assets | 1.0510% | 723 |
| Noninterest expense to average assets | 2.8604% | 2,387 |
| Loan and lease loss provision to assets | 0.0744% | 2,188 |
| Net operating income to assets | 0.9865% | 2,904 |
| Return on assets (ROA) | 0.9865% | 2,941 |
| Pretax return on assets | 1.2939% | 2,477 |
| Return on Equity (ROE) | 11.3245% | 1,814 |
| Retained earnings to average equity (ytd only) | 11.3245% | 744 |
| Net charge-offs to loans | 0.4228% | 360 |
| Credit loss provision to net charge-offs | 35.7143% | 2,056 |
| Earnings coverage of net charge-offs (x) | 6.5714% | 2,184 |
| Efficiency ratio | 67.6436% | 2,688 |
| Assets per employee ($millions) | 4.0408% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1900% | 5,284 |
| Loan loss allowance to noncurrent loans | 20.9239% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8686% | 1,632 |
| Noncurrent loans to loans | 0.9080% | 1,842 |
| Net loans and leases to total assets | 50.0544% | 4,467 |
| Net loans and leases to deposits | 55.2759% | 4,634 |
| Net loans and leases to core deposits | 59.4454% | 4,591 |
| Total domestic deposits to total assets | 90.5539% | 268 |
| Equity capital to assets | 9.0032% | 4,679 |
| Core capital (leverage) ratio | 8.8935% | 4,726 |
| Tier 1 risk-based capital ratio | 11.7335% | 4,599 |
| Total risk-based capital ratio | 11.8534% | 5,045 |
| Memoranda: | ||
| Average total assets | $80,688,000 | 4,407 |
| Average earning assets | $74,891,000 | 4,392 |
| Average equity | $7,029,000 | 4,747 |
| Average total loans | $39,737,500 | 4,552 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 4,201 |
| Cost of funding earning assets | 0.6701% | 2,263 |
| Net interest margin | 3.2651% | 4,347 |
| Noninterest income to average assets | 0.9070% | 1,163 |
| Noninterest expense to average assets | 2.9226% | 2,269 |
| Loan and lease loss provision to assets | 0.0638% | 2,883 |
| Net operating income to assets | 0.7785% | 3,884 |
| Return on assets (ROA) | 0.6366% | 4,329 |
| Pretax return on assets | 0.7705% | 4,244 |
| Return on Equity (ROE) | 7.4402% | 3,679 |
| Retained earnings to average equity (ytd only) | 2.6988% | 4,054 |
| Net charge-offs to loans | 0.1615% | 1,194 |
| Credit loss provision to net charge-offs | 86.2069% | 2,767 |
| Earnings coverage of net charge-offs (x) | 13.5862% | 2,445 |
| Efficiency ratio | 74.4073% | 1,573 |
| Assets per employee ($millions) | 4.2400% | 3,556 |
| Cash dividends to net income (ytd only)* | 63.7275% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2670% | 5,299 |
| Loan loss allowance to noncurrent loans | 13.9037% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 0.9831% | 1,389 |
| Noncurrent loans to loans | 1.9206% | 714 |
| Net loans and leases to total assets | 48.2150% | 4,622 |
| Net loans and leases to deposits | 52.8599% | 4,791 |
| Net loans and leases to core deposits | 56.8248% | 4,749 |
| Total domestic deposits to total assets | 91.2128% | 164 |
| Equity capital to assets | 8.4186% | 4,977 |
| Core capital (leverage) ratio | 7.7974% | 5,283 |
| Tier 1 risk-based capital ratio | 9.8710% | 5,339 |
| Total risk-based capital ratio | 11.5907% | 5,145 |
| Memoranda: | ||
| Average total assets | $78,388,400 | 4,452 |
| Average earning assets | $72,524,800 | 4,448 |
| Average equity | $6,706,800 | 4,792 |
| Average total loans | $35,905,200 | 4,664 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9445% | 4,098 |
| Cost of funding earning assets | 0.6173% | 2,360 |
| Net interest margin | 3.3272% | 4,207 |
| Noninterest income to average assets | 0.7947% | 1,489 |
| Noninterest expense to average assets | 2.8432% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7762% | 3,989 |
| Return on assets (ROA) | 0.7776% | 3,988 |
| Pretax return on assets | 1.0277% | 3,638 |
| Return on Equity (ROE) | 9.0508% | 3,057 |
| Retained earnings to average equity (ytd only) | 9.0508% | 1,195 |
| Net charge-offs to loans | -0.1138% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4838% | 1,661 |
| Assets per employee ($millions) | 4.1007% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3898% | 5,292 |
| Loan loss allowance to noncurrent loans | 20.0282% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 1,498 |
| Noncurrent loans to loans | 1.9464% | 772 |
| Net loans and leases to total assets | 46.5699% | 4,776 |
| Net loans and leases to deposits | 51.4900% | 4,899 |
| Net loans and leases to core deposits | 55.0985% | 4,871 |
| Total domestic deposits to total assets | 90.4445% | 364 |
| Equity capital to assets | 8.7238% | 4,779 |
| Core capital (leverage) ratio | 8.5427% | 5,075 |
| Tier 1 risk-based capital ratio | 10.9418% | 5,066 |
| Total risk-based capital ratio | 11.1770% | 5,350 |
| Memoranda: | ||
| Average total assets | $77,845,500 | 4,511 |
| Average earning assets | $71,930,000 | 4,504 |
| Average equity | $6,688,000 | 4,847 |
| Average total loans | $35,145,000 | 4,734 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9025% | 4,077 |
| Cost of funding earning assets | 0.5833% | 2,343 |
| Net interest margin | 3.3192% | 4,195 |
| Noninterest income to average assets | 0.7941% | 1,489 |
| Noninterest expense to average assets | 2.7858% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8172% | 3,798 |
| Return on assets (ROA) | 0.8172% | 3,806 |
| Pretax return on assets | 1.0794% | 3,389 |
| Return on Equity (ROE) | 9.5615% | 2,769 |
| Retained earnings to average equity (ytd only) | 9.5615% | 1,050 |
| Net charge-offs to loans | -0.2247% | 5,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0745% | 1,997 |
| Assets per employee ($millions) | 4.0735% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4388% | 5,326 |
| Loan loss allowance to noncurrent loans | 29.0385% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 1,809 |
| Noncurrent loans to loans | 1.5111% | 1,108 |
| Net loans and leases to total assets | 44.2671% | 4,888 |
| Net loans and leases to deposits | 48.8675% | 5,005 |
| Net loans and leases to core deposits | 52.3069% | 4,984 |
| Total domestic deposits to total assets | 90.5861% | 366 |
| Equity capital to assets | 8.6594% | 4,835 |
| Core capital (leverage) ratio | 8.4429% | 5,149 |
| Tier 1 risk-based capital ratio | 11.0687% | 5,018 |
| Total risk-based capital ratio | 11.3269% | 5,346 |
| Memoranda: | ||
| Average total assets | $77,823,000 | 4,555 |
| Average earning assets | $72,006,000 | 4,548 |
| Average equity | $6,651,670 | 4,900 |
| Average total loans | $34,718,000 | 4,791 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8665% | 4,030 |
| Cost of funding earning assets | 0.5516% | 2,394 |
| Net interest margin | 3.3149% | 4,148 |
| Noninterest income to average assets | 0.8714% | 1,228 |
| Noninterest expense to average assets | 2.7423% | 2,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9124% | 3,239 |
| Return on assets (ROA) | 0.9124% | 3,249 |
| Pretax return on assets | 1.2097% | 2,711 |
| Return on Equity (ROE) | 10.7447% | 2,072 |
| Retained earnings to average equity (ytd only) | 10.7447% | 956 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3904% | 2,601 |
| Assets per employee ($millions) | 4.1713% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3120% | 5,482 |
| Loan loss allowance to noncurrent loans | 27.5862% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 2,499 |
| Noncurrent loans to loans | 1.1310% | 1,618 |
| Net loans and leases to total assets | 45.1542% | 4,839 |
| Net loans and leases to deposits | 49.6187% | 4,976 |
| Net loans and leases to core deposits | 52.8081% | 4,957 |
| Total domestic deposits to total assets | 91.0025% | 317 |
| Equity capital to assets | 8.3326% | 5,088 |
| Core capital (leverage) ratio | 7.5533% | 5,506 |
| Tier 1 risk-based capital ratio | 10.2517% | 5,427 |
| Total risk-based capital ratio | 10.4336% | 5,570 |
| Memoranda: | ||
| Average total assets | $78,036,500 | 4,604 |
| Average earning assets | $72,521,000 | 4,585 |
| Average equity | $6,626,500 | 4,955 |
| Average total loans | $34,871,000 | 4,832 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 3,039 |
| Cost of funding earning assets | 0.4879% | 2,442 |
| Net interest margin | 3.6163% | 3,114 |
| Noninterest income to average assets | 0.6445% | 2,231 |
| Noninterest expense to average assets | 3.1074% | 1,841 |
| Loan and lease loss provision to assets | -0.1003% | 5,478 |
| Net operating income to assets | 0.6810% | 3,677 |
| Return on assets (ROA) | 0.7595% | 3,386 |
| Pretax return on assets | 1.1004% | 3,180 |
| Return on Equity (ROE) | 8.1785% | 2,714 |
| Retained earnings to average equity (ytd only) | 2.3470% | 3,920 |
| Net charge-offs to loans | -0.0672% | 5,262 |
| Credit loss provision to net charge-offs | 326.0870% | 881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8038% | 1,383 |
| Assets per employee ($millions) | 4.0431% | 3,894 |
| Cash dividends to net income (ytd only)* | 71.3028% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3309% | 5,536 |
| Loan loss allowance to noncurrent loans | 29.6296% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 0.9191% | 1,683 |
| Noncurrent loans to loans | 1.1169% | 1,581 |
| Net loans and leases to total assets | 43.9103% | 4,979 |
| Net loans and leases to deposits | 48.4112% | 5,113 |
| Net loans and leases to core deposits | 52.4327% | 5,057 |
| Total domestic deposits to total assets | 90.7027% | 336 |
| Equity capital to assets | 8.6555% | 4,986 |
| Core capital (leverage) ratio | 8.5605% | 5,085 |
| Tier 1 risk-based capital ratio | 10.6539% | 5,315 |
| Total risk-based capital ratio | 12.2252% | 5,037 |
| Memoranda: | ||
| Average total assets | $74,789,200 | 4,696 |
| Average earning assets | $69,269,400 | 4,677 |
| Average equity | $6,945,000 | 4,945 |
| Average total loans | $34,233,800 | 4,893 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 2,777 |
| Cost of funding earning assets | 0.4766% | 2,462 |
| Net interest margin | 3.6773% | 2,831 |
| Noninterest income to average assets | 0.6408% | 2,250 |
| Noninterest expense to average assets | 2.9365% | 2,291 |
| Loan and lease loss provision to assets | -0.1346% | 5,621 |
| Net operating income to assets | 0.8861% | 3,099 |
| Return on assets (ROA) | 0.9944% | 2,632 |
| Pretax return on assets | 1.3982% | 2,123 |
| Return on Equity (ROE) | 10.5236% | 1,895 |
| Retained earnings to average equity (ytd only) | 10.5236% | 487 |
| Net charge-offs to loans | -0.1981% | 5,538 |
| Credit loss provision to net charge-offs | 147.0588% | 1,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5499% | 2,128 |
| Assets per employee ($millions) | 3.8854% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4118% | 5,552 |
| Loan loss allowance to noncurrent loans | 30.9735% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 1.0444% | 1,616 |
| Noncurrent loans to loans | 1.3294% | 1,433 |
| Net loans and leases to total assets | 45.8671% | 4,948 |
| Net loans and leases to deposits | 51.3567% | 5,080 |
| Net loans and leases to core deposits | 55.6533% | 5,010 |
| Total domestic deposits to total assets | 89.3108% | 742 |
| Equity capital to assets | 9.9455% | 3,970 |
| Core capital (leverage) ratio | 9.3694% | 4,328 |
| Tier 1 risk-based capital ratio | 11.5707% | 4,910 |
| Total risk-based capital ratio | 13.1849% | 4,550 |
| Memoranda: | ||
| Average total assets | $74,282,000 | 4,753 |
| Average earning assets | $68,816,750 | 4,738 |
| Average equity | $7,019,000 | 4,995 |
| Average total loans | $34,331,500 | 4,938 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1970% | 2,483 |
| Cost of funding earning assets | 0.4702% | 2,410 |
| Net interest margin | 3.7268% | 2,561 |
| Noninterest income to average assets | 0.6207% | 2,373 |
| Noninterest expense to average assets | 2.9260% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8117% | 3,348 |
| Return on assets (ROA) | 0.7926% | 3,486 |
| Pretax return on assets | 1.1177% | 3,100 |
| Return on Equity (ROE) | 8.5367% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.5367% | 988 |
| Net charge-offs to loans | 0.0232% | 2,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 106.5000% | 625 |
| Efficiency ratio | 71.8812% | 2,357 |
| Assets per employee ($millions) | 3.8662% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4646% | 5,552 |
| Loan loss allowance to noncurrent loans | 32.8542% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 0.9910% | 1,773 |
| Noncurrent loans to loans | 1.4141% | 1,352 |
| Net loans and leases to total assets | 46.6661% | 4,904 |
| Net loans and leases to deposits | 52.0632% | 5,056 |
| Net loans and leases to core deposits | 55.5088% | 5,020 |
| Total domestic deposits to total assets | 89.6335% | 670 |
| Equity capital to assets | 9.7920% | 4,128 |
| Core capital (leverage) ratio | 8.7897% | 4,960 |
| Tier 1 risk-based capital ratio | 11.1871% | 5,148 |
| Total risk-based capital ratio | 11.4685% | 5,505 |
| Memoranda: | ||
| Average total assets | $74,435,330 | 4,778 |
| Average earning assets | $68,906,330 | 4,766 |
| Average equity | $6,911,330 | 5,038 |
| Average total loans | $34,442,000 | 4,969 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 2,157 |
| Cost of funding earning assets | 0.4671% | 2,367 |
| Net interest margin | 3.7656% | 2,241 |
| Noninterest income to average assets | 0.6406% | 2,225 |
| Noninterest expense to average assets | 2.9310% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8489% | 2,996 |
| Return on assets (ROA) | 0.8489% | 3,038 |
| Pretax return on assets | 1.1959% | 2,616 |
| Return on Equity (ROE) | 9.3937% | 2,232 |
| Retained earnings to average equity (ytd only) | 9.3937% | 951 |
| Net charge-offs to loans | -0.1277% | 5,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0220% | 2,729 |
| Assets per employee ($millions) | 3.6609% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4880% | 5,604 |
| Loan loss allowance to noncurrent loans | 32.0513% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 1,682 |
| Noncurrent loans to loans | 1.5227% | 1,301 |
| Net loans and leases to total assets | 48.7339% | 4,769 |
| Net loans and leases to deposits | 54.1744% | 4,924 |
| Net loans and leases to core deposits | 57.4774% | 4,904 |
| Total domestic deposits to total assets | 89.9574% | 678 |
| Equity capital to assets | 9.4581% | 4,328 |
| Core capital (leverage) ratio | 8.1858% | 5,463 |
| Tier 1 risk-based capital ratio | 10.2947% | 5,622 |
| Total risk-based capital ratio | 10.5821% | 5,779 |
| Memoranda: | ||
| Average total assets | $74,924,000 | 4,818 |
| Average earning assets | $69,364,000 | 4,798 |
| Average equity | $6,770,500 | 5,107 |
| Average total loans | $34,443,000 | 5,016 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0124% | 3,153 |
| Cost of funding earning assets | 0.4735% | 2,322 |
| Net interest margin | 3.5388% | 3,291 |
| Noninterest income to average assets | 0.5778% | 2,771 |
| Noninterest expense to average assets | 3.2671% | 1,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4584% | 4,774 |
| Return on assets (ROA) | 0.4606% | 4,848 |
| Pretax return on assets | 0.5987% | 4,788 |
| Return on Equity (ROE) | 4.7541% | 4,535 |
| Retained earnings to average equity (ytd only) | 1.0949% | 4,867 |
| Net charge-offs to loans | -0.0645% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5737% | 958 |
| Assets per employee ($millions) | 3.8315% | 4,248 |
| Cash dividends to net income (ytd only)* | 76.9697% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4965% | 5,662 |
| Loan loss allowance to noncurrent loans | 17.9825% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 1.7382% | 875 |
| Noncurrent loans to loans | 2.7612% | 534 |
| Net loans and leases to total assets | 42.8879% | 5,186 |
| Net loans and leases to deposits | 47.2259% | 5,326 |
| Net loans and leases to core deposits | 50.7051% | 5,278 |
| Total domestic deposits to total assets | 90.8143% | 338 |
| Equity capital to assets | 8.6337% | 5,159 |
| Core capital (leverage) ratio | 8.8668% | 4,891 |
| Tier 1 risk-based capital ratio | 10.1627% | 5,692 |
| Total risk-based capital ratio | 10.4264% | 5,847 |
| Memoranda: | ||
| Average total assets | $71,653,400 | 4,897 |
| Average earning assets | $66,519,600 | 4,882 |
| Average equity | $6,941,400 | 5,102 |
| Average total loans | $34,089,800 | 5,065 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 2,879 |
| Cost of funding earning assets | 0.4790% | 2,272 |
| Net interest margin | 3.6202% | 3,004 |
| Noninterest income to average assets | 0.7139% | 2,115 |
| Noninterest expense to average assets | 3.1567% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6525% | 4,077 |
| Return on assets (ROA) | 0.6552% | 4,180 |
| Pretax return on assets | 0.9241% | 3,892 |
| Return on Equity (ROE) | 6.5689% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.5689% | 1,862 |
| Net charge-offs to loans | 0.1087% | 1,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 17.3582% | 2,054 |
| Efficiency ratio | 77.4268% | 1,771 |
| Assets per employee ($millions) | 3.5668% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3411% | 5,836 |
| Loan loss allowance to noncurrent loans | 39.4464% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 0.9084% | 2,281 |
| Noncurrent loans to loans | 0.8647% | 2,527 |
| Net loans and leases to total assets | 46.6917% | 5,046 |
| Net loans and leases to deposits | 52.4461% | 5,185 |
| Net loans and leases to core deposits | 56.4667% | 5,123 |
| Total domestic deposits to total assets | 89.0280% | 895 |
| Equity capital to assets | 10.1141% | 4,025 |
| Core capital (leverage) ratio | 9.3565% | 4,386 |
| Tier 1 risk-based capital ratio | 11.8432% | 4,890 |
| Total risk-based capital ratio | 12.0488% | 5,385 |
| Memoranda: | ||
| Average total assets | $70,409,250 | 4,966 |
| Average earning assets | $65,408,250 | 4,950 |
| Average equity | $7,022,750 | 5,136 |
| Average total loans | $34,355,000 | 5,106 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 2,746 |
| Cost of funding earning assets | 0.4716% | 2,356 |
| Net interest margin | 3.6592% | 2,861 |
| Noninterest income to average assets | 0.5506% | 2,896 |
| Noninterest expense to average assets | 3.1384% | 1,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5849% | 4,331 |
| Return on assets (ROA) | 0.5849% | 4,456 |
| Pretax return on assets | 0.8217% | 4,210 |
| Return on Equity (ROE) | 5.8919% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.8919% | 2,189 |
| Net charge-offs to loans | 0.1269% | 1,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.0909% | 2,145 |
| Efficiency ratio | 79.2507% | 1,602 |
| Assets per employee ($millions) | 3.1691% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3589% | 5,909 |
| Loan loss allowance to noncurrent loans | 41.2371% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 2,779 |
| Noncurrent loans to loans | 0.8704% | 2,565 |
| Net loans and leases to total assets | 47.7797% | 5,007 |
| Net loans and leases to deposits | 53.6823% | 5,153 |
| Net loans and leases to core deposits | 58.4083% | 5,052 |
| Total domestic deposits to total assets | 89.0046% | 919 |
| Equity capital to assets | 10.1979% | 3,981 |
| Core capital (leverage) ratio | 9.6695% | 3,973 |
| Tier 1 risk-based capital ratio | 11.8171% | 4,964 |
| Total risk-based capital ratio | 12.0303% | 5,459 |
| Memoranda: | ||
| Average total assets | $70,100,330 | 5,021 |
| Average earning assets | $65,315,670 | 4,998 |
| Average equity | $6,958,670 | 5,200 |
| Average total loans | $34,666,000 | 5,148 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 2,803 |
| Cost of funding earning assets | 0.4671% | 2,403 |
| Net interest margin | 3.6459% | 2,906 |
| Noninterest income to average assets | 0.5691% | 2,685 |
| Noninterest expense to average assets | 3.0616% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6544% | 3,956 |
| Return on assets (ROA) | 0.6544% | 4,075 |
| Pretax return on assets | 0.9276% | 3,741 |
| Return on Equity (ROE) | 6.6831% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.6831% | 2,039 |
| Net charge-offs to loans | -0.0113% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7475% | 2,074 |
| Assets per employee ($millions) | 3.1513% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4011% | 5,951 |
| Loan loss allowance to noncurrent loans | 109.1603% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7832% | 2,740 |
| Noncurrent loans to loans | 0.3675% | 4,115 |
| Net loans and leases to total assets | 51.2152% | 4,708 |
| Net loans and leases to deposits | 57.4733% | 4,890 |
| Net loans and leases to core deposits | 62.5531% | 4,780 |
| Total domestic deposits to total assets | 89.1113% | 1,049 |
| Equity capital to assets | 10.0694% | 3,991 |
| Core capital (leverage) ratio | 8.9742% | 4,887 |
| Tier 1 risk-based capital ratio | 11.9497% | 4,942 |
| Total risk-based capital ratio | 12.2105% | 5,436 |
| Memoranda: | ||
| Average total assets | $70,290,500 | 5,065 |
| Average earning assets | $65,936,500 | 5,024 |
| Average equity | $6,883,000 | 5,252 |
| Average total loans | $35,283,000 | 5,168 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 3,244 |
| Cost of funding earning assets | 0.4576% | 2,552 |
| Net interest margin | 3.5611% | 3,279 |
| Noninterest income to average assets | 0.6523% | 2,450 |
| Noninterest expense to average assets | 3.1805% | 2,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5906% | 4,323 |
| Return on assets (ROA) | 0.5906% | 4,418 |
| Pretax return on assets | 0.8212% | 4,122 |
| Return on Equity (ROE) | 5.8140% | 4,127 |
| Retained earnings to average equity (ytd only) | 1.4752% | 4,885 |
| Net charge-offs to loans | -0.0059% | 5,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4787% | 1,749 |
| Assets per employee ($millions) | 3.5626% | 4,700 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4067% | 5,989 |
| Loan loss allowance to noncurrent loans | 80.6818% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 0.8673% | 2,500 |
| Noncurrent loans to loans | 0.5041% | 3,672 |
| Net loans and leases to total assets | 48.8042% | 4,953 |
| Net loans and leases to deposits | 54.4962% | 5,131 |
| Net loans and leases to core deposits | 58.8881% | 5,048 |
| Total domestic deposits to total assets | 89.5554% | 822 |
| Equity capital to assets | 9.5225% | 4,529 |
| Core capital (leverage) ratio | 9.3771% | 4,358 |
| Tier 1 risk-based capital ratio | 11.6802% | 5,142 |
| Total risk-based capital ratio | 11.9393% | 5,599 |
| Memoranda: | ||
| Average total assets | $68,070,200 | 5,131 |
| Average earning assets | $64,025,200 | 5,086 |
| Average equity | $6,914,400 | 5,260 |
| Average total loans | $33,681,200 | 5,239 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 3,130 |
| Cost of funding earning assets | 0.4601% | 2,582 |
| Net interest margin | 3.5899% | 3,202 |
| Noninterest income to average assets | 0.6263% | 2,600 |
| Noninterest expense to average assets | 2.8955% | 2,865 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8126% | 3,373 |
| Return on assets (ROA) | 0.8126% | 3,461 |
| Pretax return on assets | 1.1019% | 3,226 |
| Return on Equity (ROE) | 7.8691% | 3,152 |
| Retained earnings to average equity (ytd only) | 7.8691% | 1,293 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4343% | 2,800 |
| Assets per employee ($millions) | 3.9328% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4116% | 6,084 |
| Loan loss allowance to noncurrent loans | 81.8713% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9393% | 2,513 |
| Noncurrent loans to loans | 0.5027% | 3,846 |
| Net loans and leases to total assets | 50.6656% | 4,878 |
| Net loans and leases to deposits | 57.3416% | 5,048 |
| Net loans and leases to core deposits | 62.6600% | 4,888 |
| Total domestic deposits to total assets | 88.3574% | 1,372 |
| Equity capital to assets | 10.7452% | 3,309 |
| Core capital (leverage) ratio | 10.0925% | 3,511 |
| Tier 1 risk-based capital ratio | 12.3705% | 4,841 |
| Total risk-based capital ratio | 12.6282% | 5,353 |
| Memoranda: | ||
| Average total assets | $67,274,750 | 5,212 |
| Average earning assets | $63,174,750 | 5,171 |
| Average equity | $6,946,750 | 5,319 |
| Average total loans | $33,372,500 | 5,308 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0447% | 3,103 |
| Cost of funding earning assets | 0.4547% | 2,668 |
| Net interest margin | 3.5901% | 3,127 |
| Noninterest income to average assets | 0.6290% | 2,588 |
| Noninterest expense to average assets | 2.8303% | 3,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8604% | 3,079 |
| Return on assets (ROA) | 0.8604% | 3,183 |
| Pretax return on assets | 1.1719% | 2,891 |
| Return on Equity (ROE) | 8.4454% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.4454% | 1,101 |
| Net charge-offs to loans | 0.0060% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 395.0000% | 167 |
| Efficiency ratio | 70.7191% | 3,212 |
| Assets per employee ($millions) | 3.7282% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4255% | 6,151 |
| Loan loss allowance to noncurrent loans | 79.8851% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6571% | 3,433 |
| Noncurrent loans to loans | 0.5327% | 3,859 |
| Net loans and leases to total assets | 48.4667% | 5,055 |
| Net loans and leases to deposits | 54.6042% | 5,215 |
| Net loans and leases to core deposits | 59.6198% | 5,095 |
| Total domestic deposits to total assets | 88.7599% | 1,262 |
| Equity capital to assets | 10.4220% | 3,532 |
| Core capital (leverage) ratio | 9.6161% | 4,114 |
| Tier 1 risk-based capital ratio | 12.9963% | 4,525 |
| Total risk-based capital ratio | 13.2803% | 5,029 |
| Memoranda: | ||
| Average total assets | $67,413,670 | 5,266 |
| Average earning assets | $63,341,670 | 5,212 |
| Average equity | $6,867,670 | 5,385 |
| Average total loans | $33,158,670 | 5,358 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 3,182 |
| Cost of funding earning assets | 0.4474% | 2,794 |
| Net interest margin | 3.5666% | 3,143 |
| Noninterest income to average assets | 0.6453% | 2,423 |
| Noninterest expense to average assets | 3.1673% | 2,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6157% | 4,216 |
| Return on assets (ROA) | 0.6157% | 4,306 |
| Pretax return on assets | 0.8288% | 4,132 |
| Return on Equity (ROE) | 6.1136% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.1136% | 2,426 |
| Net charge-offs to loans | 0.0359% | 2,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 46.6667% | 884 |
| Efficiency ratio | 79.2593% | 1,990 |
| Assets per employee ($millions) | 3.6537% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4121% | 6,234 |
| Loan loss allowance to noncurrent loans | 95.8042% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.9366% | 2,755 |
| Noncurrent loans to loans | 0.4301% | 4,305 |
| Net loans and leases to total assets | 50.3459% | 4,809 |
| Net loans and leases to deposits | 56.6853% | 5,006 |
| Net loans and leases to core deposits | 61.4190% | 4,879 |
| Total domestic deposits to total assets | 88.8166% | 1,381 |
| Equity capital to assets | 10.5037% | 3,530 |
| Core capital (leverage) ratio | 9.3129% | 4,552 |
| Tier 1 risk-based capital ratio | 11.9780% | 5,254 |
| Total risk-based capital ratio | 12.2350% | 5,745 |
| Memoranda: | ||
| Average total assets | $67,566,500 | 5,318 |
| Average earning assets | $63,477,000 | 5,265 |
| Average equity | $6,804,500 | 5,439 |
| Average total loans | $33,406,000 | 5,389 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0212% | 3,638 |
| Cost of funding earning assets | 0.4634% | 3,037 |
| Net interest margin | 3.5578% | 3,564 |
| Noninterest income to average assets | 0.5943% | 2,889 |
| Noninterest expense to average assets | 3.1875% | 2,243 |
| Loan and lease loss provision to assets | 0.0917% | 2,633 |
| Net operating income to assets | 0.4820% | 4,881 |
| Return on assets (ROA) | 0.4820% | 4,972 |
| Pretax return on assets | 0.6638% | 4,745 |
| Return on Equity (ROE) | 4.8604% | 4,731 |
| Retained earnings to average equity (ytd only) | 0.6709% | 5,460 |
| Net charge-offs to loans | 0.0631% | 3,588 |
| Credit loss provision to net charge-offs | 295.2381% | 876 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 1,544 |
| Efficiency ratio | 80.8399% | 1,798 |
| Assets per employee ($millions) | 3.8537% | 4,247 |
| Cash dividends to net income (ytd only)* | 86.1963% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4171% | 6,317 |
| Loan loss allowance to noncurrent loans | 88.0503% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 0.8852% | 2,991 |
| Noncurrent loans to loans | 0.4737% | 4,241 |
| Net loans and leases to total assets | 48.1850% | 5,137 |
| Net loans and leases to deposits | 53.9340% | 5,334 |
| Net loans and leases to core deposits | 58.4550% | 5,234 |
| Total domestic deposits to total assets | 89.3406% | 1,051 |
| Equity capital to assets | 9.6604% | 4,521 |
| Core capital (leverage) ratio | 10.3230% | 3,140 |
| Tier 1 risk-based capital ratio | 13.9893% | 4,104 |
| Total risk-based capital ratio | 14.2766% | 4,626 |
| Memoranda: | ||
| Average total assets | $67,638,200 | 5,356 |
| Average earning assets | $63,662,600 | 5,290 |
| Average equity | $6,707,200 | 5,478 |
| Average total loans | $33,291,600 | 5,434 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 3,619 |
| Cost of funding earning assets | 0.4659% | 3,094 |
| Net interest margin | 3.5688% | 3,561 |
| Noninterest income to average assets | 0.6110% | 2,802 |
| Noninterest expense to average assets | 2.9778% | 2,874 |
| Loan and lease loss provision to assets | 0.0933% | 2,495 |
| Net operating income to assets | 0.6527% | 4,207 |
| Return on assets (ROA) | 0.6527% | 4,300 |
| Pretax return on assets | 0.8987% | 3,993 |
| Return on Equity (ROE) | 6.5386% | 3,942 |
| Retained earnings to average equity (ytd only) | 6.5386% | 2,075 |
| Net charge-offs to loans | 0.0682% | 3,223 |
| Credit loss provision to net charge-offs | 276.4706% | 968 |
| Earnings coverage of net charge-offs (x) | 29.4067% | 1,386 |
| Efficiency ratio | 75.0125% | 2,661 |
| Assets per employee ($millions) | 3.9654% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4023% | 6,404 |
| Loan loss allowance to noncurrent loans | 79.1411% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.1497% | 2,651 |
| Noncurrent loans to loans | 0.5083% | 4,406 |
| Net loans and leases to total assets | 47.3810% | 5,262 |
| Net loans and leases to deposits | 53.4283% | 5,427 |
| Net loans and leases to core deposits | 58.0569% | 5,327 |
| Total domestic deposits to total assets | 88.6814% | 1,409 |
| Equity capital to assets | 10.3277% | 3,759 |
| Core capital (leverage) ratio | 10.8252% | 2,671 |
| Tier 1 risk-based capital ratio | 14.9240% | 3,633 |
| Total risk-based capital ratio | 15.1951% | 4,201 |
| Memoranda: | ||
| Average total assets | $67,206,250 | 5,423 |
| Average earning assets | $63,250,500 | 5,361 |
| Average equity | $6,708,750 | 5,532 |
| Average total loans | $33,223,500 | 5,482 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 3,499 |
| Cost of funding earning assets | 0.4653% | 3,160 |
| Net interest margin | 3.5956% | 3,377 |
| Noninterest income to average assets | 0.5839% | 2,902 |
| Noninterest expense to average assets | 2.9849% | 2,890 |
| Loan and lease loss provision to assets | 0.1400% | 1,771 |
| Net operating income to assets | 0.6166% | 4,265 |
| Return on assets (ROA) | 0.6166% | 4,368 |
| Pretax return on assets | 0.8430% | 4,111 |
| Return on Equity (ROE) | 6.2497% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.2497% | 2,184 |
| Net charge-offs to loans | 0.0893% | 2,791 |
| Credit loss provision to net charge-offs | 313.3333% | 824 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,524 |
| Efficiency ratio | 75.2252% | 2,771 |
| Assets per employee ($millions) | 3.9436% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3950% | 6,492 |
| Loan loss allowance to noncurrent loans | 55.5085% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 1.2887% | 2,538 |
| Noncurrent loans to loans | 0.7116% | 3,926 |
| Net loans and leases to total assets | 49.2766% | 5,044 |
| Net loans and leases to deposits | 55.4165% | 5,242 |
| Net loans and leases to core deposits | 59.3681% | 5,171 |
| Total domestic deposits to total assets | 88.9204% | 1,404 |
| Equity capital to assets | 10.1936% | 3,836 |
| Core capital (leverage) ratio | 10.6800% | 2,744 |
| Tier 1 risk-based capital ratio | 13.9736% | 4,274 |
| Total risk-based capital ratio | 14.2359% | 4,860 |
| Memoranda: | ||
| Average total assets | $67,138,000 | 5,469 |
| Average earning assets | $63,189,000 | 5,414 |
| Average equity | $6,624,330 | 5,576 |
| Average total loans | $33,608,330 | 5,513 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0329% | 3,551 |
| Cost of funding earning assets | 0.4685% | 3,242 |
| Net interest margin | 3.5644% | 3,411 |
| Noninterest income to average assets | 0.5596% | 2,988 |
| Noninterest expense to average assets | 2.9768% | 2,958 |
| Loan and lease loss provision to assets | 0.1846% | 1,295 |
| Net operating income to assets | 0.5596% | 4,413 |
| Return on assets (ROA) | 0.5596% | 4,493 |
| Pretax return on assets | 0.7502% | 4,313 |
| Return on Equity (ROE) | 5.7673% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.7673% | 2,660 |
| Net charge-offs to loans | 0.0946% | 2,220 |
| Credit loss provision to net charge-offs | 387.5000% | 665 |
| Earnings coverage of net charge-offs (x) | 19.6250% | 1,365 |
| Efficiency ratio | 76.1035% | 2,784 |
| Assets per employee ($millions) | 3.8704% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3590% | 6,583 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 3,341 |
| Noncurrent loans to loans | 0.1795% | 5,557 |
| Net loans and leases to total assets | 51.4651% | 4,729 |
| Net loans and leases to deposits | 57.7525% | 4,969 |
| Net loans and leases to core deposits | 61.5236% | 4,921 |
| Total domestic deposits to total assets | 89.1133% | 1,583 |
| Equity capital to assets | 10.0371% | 3,803 |
| Core capital (leverage) ratio | 10.0479% | 3,497 |
| Tier 1 risk-based capital ratio | 14.7733% | 3,835 |
| Total risk-based capital ratio | 15.0358% | 4,437 |
| Memoranda: | ||
| Average total assets | $67,186,000 | 5,526 |
| Average earning assets | $63,180,000 | 5,466 |
| Average equity | $6,519,500 | 5,633 |
| Average total loans | $33,829,000 | 5,549 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 2,585 |
| Cost of funding earning assets | 0.5457% | 3,148 |
| Net interest margin | 3.8555% | 2,452 |
| Noninterest income to average assets | 0.6194% | 2,981 |
| Noninterest expense to average assets | 3.1645% | 2,535 |
| Loan and lease loss provision to assets | 0.2900% | 1,175 |
| Net operating income to assets | 0.5642% | 4,437 |
| Return on assets (ROA) | 0.5642% | 4,551 |
| Pretax return on assets | 0.7722% | 4,256 |
| Return on Equity (ROE) | 5.3947% | 4,447 |
| Retained earnings to average equity (ytd only) | 1.1603% | 5,310 |
| Net charge-offs to loans | 1.1175% | 497 |
| Credit loss provision to net charge-offs | 47.5452% | 3,875 |
| Earnings coverage of net charge-offs (x) | 1.7416% | 4,467 |
| Efficiency ratio | 74.8695% | 2,972 |
| Assets per employee ($millions) | 4.0339% | 3,794 |
| Cash dividends to net income (ytd only)* | 78.4916% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2940% | 6,689 |
| Loan loss allowance to noncurrent loans | 73.8806% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.6682% | 2,214 |
| Noncurrent loans to loans | 0.3979% | 5,016 |
| Net loans and leases to total assets | 48.9603% | 5,199 |
| Net loans and leases to deposits | 54.7091% | 5,407 |
| Net loans and leases to core deposits | 58.5124% | 5,347 |
| Total domestic deposits to total assets | 89.4920% | 1,339 |
| Equity capital to assets | 9.3837% | 4,565 |
| Core capital (leverage) ratio | 10.6507% | 2,727 |
| Tier 1 risk-based capital ratio | 14.7926% | 3,789 |
| Total risk-based capital ratio | 15.0090% | 4,423 |
| Memoranda: | ||
| Average total assets | $63,453,600 | 5,667 |
| Average earning assets | $59,370,400 | 5,611 |
| Average equity | $6,636,200 | 5,665 |
| Average total loans | $34,632,200 | 5,555 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 2,117 |
| Cost of funding earning assets | 0.5672% | 3,103 |
| Net interest margin | 3.9632% | 2,060 |
| Noninterest income to average assets | 0.6219% | 3,028 |
| Noninterest expense to average assets | 2.9637% | 3,098 |
| Loan and lease loss provision to assets | 0.0536% | 3,964 |
| Net operating income to assets | 0.9414% | 2,634 |
| Return on assets (ROA) | 0.9414% | 2,744 |
| Pretax return on assets | 1.3060% | 2,311 |
| Return on Equity (ROE) | 8.7538% | 2,765 |
| Retained earnings to average equity (ytd only) | 8.7538% | 1,138 |
| Net charge-offs to loans | 0.2409% | 2,368 |
| Credit loss provision to net charge-offs | 39.6825% | 3,708 |
| Earnings coverage of net charge-offs (x) | 10.0632% | 2,400 |
| Efficiency ratio | 68.5516% | 3,986 |
| Assets per employee ($millions) | 3.9423% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 6,324 |
| Loan loss allowance to noncurrent loans | 33.8896% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 2.7998% | 1,334 |
| Noncurrent loans to loans | 2.2837% | 1,921 |
| Net loans and leases to total assets | 53.6607% | 4,669 |
| Net loans and leases to deposits | 61.0230% | 4,864 |
| Net loans and leases to core deposits | 62.3322% | 5,080 |
| Total domestic deposits to total assets | 87.9352% | 2,170 |
| Equity capital to assets | 10.8742% | 2,891 |
| Core capital (leverage) ratio | 11.6591% | 1,911 |
| Tier 1 risk-based capital ratio | 16.3492% | 3,014 |
| Total risk-based capital ratio | 16.9544% | 3,303 |
| Memoranda: | ||
| Average total assets | $62,173,000 | 5,758 |
| Average earning assets | $58,065,500 | 5,714 |
| Average equity | $6,686,500 | 5,719 |
| Average total loans | $34,871,750 | 5,595 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 2,037 |
| Cost of funding earning assets | 0.5758% | 3,161 |
| Net interest margin | 3.9721% | 1,958 |
| Noninterest income to average assets | 0.5883% | 3,266 |
| Noninterest expense to average assets | 2.8931% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0215% | 2,237 |
| Return on assets (ROA) | 1.0215% | 2,358 |
| Pretax return on assets | 1.4191% | 1,862 |
| Return on Equity (ROE) | 9.5339% | 2,407 |
| Retained earnings to average equity (ytd only) | 9.5339% | 958 |
| Net charge-offs to loans | 0.3587% | 1,766 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.9683% | 2,619 |
| Efficiency ratio | 67.0915% | 4,343 |
| Assets per employee ($millions) | 3.8455% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6886% | 6,509 |
| Loan loss allowance to noncurrent loans | 30.3299% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 3.1124% | 1,287 |
| Noncurrent loans to loans | 2.2703% | 2,095 |
| Net loans and leases to total assets | 56.0233% | 4,287 |
| Net loans and leases to deposits | 63.5896% | 4,553 |
| Net loans and leases to core deposits | 64.6680% | 4,822 |
| Total domestic deposits to total assets | 88.1014% | 2,173 |
| Equity capital to assets | 10.9267% | 2,821 |
| Core capital (leverage) ratio | 11.4532% | 1,974 |
| Tier 1 risk-based capital ratio | 16.2671% | 3,059 |
| Total risk-based capital ratio | 16.8218% | 3,394 |
| Memoranda: | ||
| Average total assets | $61,872,000 | 5,807 |
| Average earning assets | $58,004,330 | 5,750 |
| Average equity | $6,629,000 | 5,775 |
| Average total loans | $35,125,330 | 5,613 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 2,505 |
| Cost of funding earning assets | 0.5884% | 3,224 |
| Net interest margin | 3.8176% | 2,384 |
| Noninterest income to average assets | 0.5544% | 3,405 |
| Noninterest expense to average assets | 2.9205% | 3,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8897% | 2,703 |
| Return on assets (ROA) | 0.8897% | 2,847 |
| Pretax return on assets | 1.2314% | 2,465 |
| Return on Equity (ROE) | 8.3865% | 2,779 |
| Retained earnings to average equity (ytd only) | 8.3865% | 1,610 |
| Net charge-offs to loans | 0.6000% | 1,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.6038% | 2,728 |
| Efficiency ratio | 70.3416% | 3,918 |
| Assets per employee ($millions) | 3.9506% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6921% | 6,612 |
| Loan loss allowance to noncurrent loans | 30.1818% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 2.8050% | 1,615 |
| Noncurrent loans to loans | 2.2930% | 2,280 |
| Net loans and leases to total assets | 56.5268% | 4,004 |
| Net loans and leases to deposits | 63.8161% | 4,338 |
| Net loans and leases to core deposits | 64.8599% | 4,665 |
| Total domestic deposits to total assets | 88.5776% | 1,952 |
| Equity capital to assets | 10.5301% | 3,512 |
| Core capital (leverage) ratio | 10.6250% | 2,631 |
| Tier 1 risk-based capital ratio | 15.7589% | 3,395 |
| Total risk-based capital ratio | 16.3333% | 3,741 |
| Memoranda: | ||
| Average total assets | $62,044,000 | 5,863 |
| Average earning assets | $58,465,500 | 5,788 |
| Average equity | $6,582,000 | 5,844 |
| Average total loans | $35,333,500 | 5,650 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 2,480 |
| Cost of funding earning assets | 0.6602% | 3,834 |
| Net interest margin | 4.0688% | 2,125 |
| Noninterest income to average assets | 0.7004% | 2,721 |
| Noninterest expense to average assets | 3.3099% | 2,307 |
| Loan and lease loss provision to assets | 0.1871% | 3,301 |
| Net operating income to assets | 0.7245% | 3,627 |
| Return on assets (ROA) | 0.7245% | 3,873 |
| Pretax return on assets | 0.9700% | 3,653 |
| Return on Equity (ROE) | 6.5180% | 3,902 |
| Retained earnings to average equity (ytd only) | 2.5794% | 4,410 |
| Net charge-offs to loans | 0.0589% | 5,101 |
| Credit loss provision to net charge-offs | 573.6842% | 429 |
| Earnings coverage of net charge-offs (x) | 35.4737% | 886 |
| Efficiency ratio | 74.0968% | 3,052 |
| Assets per employee ($millions) | 3.8049% | 4,356 |
| Cash dividends to net income (ytd only)* | 60.4265% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 6,341 |
| Loan loss allowance to noncurrent loans | 28.6256% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 3.2425% | 1,423 |
| Noncurrent loans to loans | 3.0414% | 1,713 |
| Net loans and leases to total assets | 56.4825% | 4,208 |
| Net loans and leases to deposits | 64.2225% | 4,506 |
| Net loans and leases to core deposits | 65.3167% | 4,805 |
| Total domestic deposits to total assets | 87.9482% | 2,273 |
| Equity capital to assets | 10.6901% | 3,293 |
| Core capital (leverage) ratio | 11.4152% | 1,928 |
| Tier 1 risk-based capital ratio | 16.4179% | 2,934 |
| Total risk-based capital ratio | 17.1593% | 3,174 |
| Memoranda: | ||
| Average total assets | $58,249,600 | 5,965 |
| Average earning assets | $53,922,600 | 5,931 |
| Average equity | $6,474,400 | 5,899 |
| Average total loans | $32,234,200 | 5,842 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 2,456 |
| Cost of funding earning assets | 0.6605% | 4,096 |
| Net interest margin | 4.1215% | 2,018 |
| Noninterest income to average assets | 0.7061% | 2,684 |
| Noninterest expense to average assets | 3.1763% | 2,648 |
| Loan and lease loss provision to assets | 0.2060% | 3,012 |
| Net operating income to assets | 0.8566% | 3,185 |
| Return on assets (ROA) | 0.8566% | 3,436 |
| Pretax return on assets | 1.1228% | 3,264 |
| Return on Equity (ROE) | 7.6294% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.6294% | 1,783 |
| Net charge-offs to loans | 0.0801% | 4,594 |
| Credit loss provision to net charge-offs | 468.4211% | 569 |
| Earnings coverage of net charge-offs (x) | 30.2136% | 1,094 |
| Efficiency ratio | 70.5036% | 3,592 |
| Assets per employee ($millions) | 3.6634% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 6,501 |
| Loan loss allowance to noncurrent loans | 26.1596% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 3.5059% | 1,428 |
| Noncurrent loans to loans | 3.2560% | 1,692 |
| Net loans and leases to total assets | 56.0027% | 4,454 |
| Net loans and leases to deposits | 64.1183% | 4,700 |
| Net loans and leases to core deposits | 65.2669% | 5,028 |
| Total domestic deposits to total assets | 87.3428% | 2,469 |
| Equity capital to assets | 11.6301% | 2,616 |
| Core capital (leverage) ratio | 11.9342% | 1,695 |
| Tier 1 risk-based capital ratio | 17.8729% | 2,399 |
| Total risk-based capital ratio | 18.6044% | 2,554 |
| Memoranda: | ||
| Average total assets | $57,592,250 | 6,048 |
| Average earning assets | $53,086,250 | 6,022 |
| Average equity | $6,466,000 | 5,969 |
| Average total loans | $31,620,750 | 5,941 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8410% | 2,338 |
| Cost of funding earning assets | 0.6617% | 4,350 |
| Net interest margin | 4.1793% | 1,805 |
| Noninterest income to average assets | 0.7231% | 2,542 |
| Noninterest expense to average assets | 3.0812% | 2,982 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1388% | 1,917 |
| Return on assets (ROA) | 1.1388% | 2,136 |
| Pretax return on assets | 1.4812% | 1,918 |
| Return on Equity (ROE) | 10.2693% | 2,255 |
| Retained earnings to average equity (ytd only) | 10.2693% | 896 |
| Net charge-offs to loans | -0.0835% | 6,819 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5345% | 4,226 |
| Assets per employee ($millions) | 3.6918% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7082% | 6,820 |
| Loan loss allowance to noncurrent loans | 33.4821% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 2.6968% | 2,047 |
| Noncurrent loans to loans | 2.1153% | 2,805 |
| Net loans and leases to total assets | 53.4020% | 4,896 |
| Net loans and leases to deposits | 60.7972% | 5,162 |
| Net loans and leases to core deposits | 61.8680% | 5,403 |
| Total domestic deposits to total assets | 87.8363% | 2,257 |
| Equity capital to assets | 11.1497% | 2,956 |
| Core capital (leverage) ratio | 11.9347% | 1,636 |
| Tier 1 risk-based capital ratio | 15.3041% | 3,572 |
| Total risk-based capital ratio | 15.8094% | 4,026 |
| Memoranda: | ||
| Average total assets | $57,251,330 | 6,099 |
| Average earning assets | $52,592,670 | 6,076 |
| Average equity | $6,349,000 | 6,025 |
| Average total loans | $31,125,000 | 6,008 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7138% | 3,003 |
| Cost of funding earning assets | 0.6547% | 4,681 |
| Net interest margin | 4.0591% | 2,261 |
| Noninterest income to average assets | 0.7596% | 2,351 |
| Noninterest expense to average assets | 3.1451% | 2,777 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0436% | 2,312 |
| Return on assets (ROA) | 1.0436% | 2,504 |
| Pretax return on assets | 1.3560% | 2,350 |
| Return on Equity (ROE) | 9.4374% | 2,627 |
| Retained earnings to average equity (ytd only) | 9.4374% | 1,429 |
| Net charge-offs to loans | -0.1948% | 6,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8738% | 3,842 |
| Assets per employee ($millions) | 3.5477% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7155% | 6,858 |
| Loan loss allowance to noncurrent loans | 43.4034% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 2.5210% | 2,352 |
| Noncurrent loans to loans | 1.6484% | 3,631 |
| Net loans and leases to total assets | 55.4939% | 4,470 |
| Net loans and leases to deposits | 63.2086% | 4,743 |
| Net loans and leases to core deposits | 64.3632% | 5,072 |
| Total domestic deposits to total assets | 87.7949% | 2,464 |
| Equity capital to assets | 11.1869% | 2,725 |
| Core capital (leverage) ratio | 11.5705% | 1,855 |
| Tier 1 risk-based capital ratio | 13.9722% | 4,490 |
| Total risk-based capital ratio | 14.4480% | 5,040 |
| Memoranda: | ||
| Average total assets | $56,342,500 | 6,168 |
| Average earning assets | $51,933,000 | 6,135 |
| Average equity | $6,230,500 | 6,089 |
| Average total loans | $30,803,000 | 6,069 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6497% | 4,454 |
| Cost of funding earning assets | 0.8276% | 4,646 |
| Net interest margin | 3.8221% | 3,706 |
| Noninterest income to average assets | 0.7693% | 2,238 |
| Noninterest expense to average assets | 3.3097% | 2,493 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8008% | 3,035 |
| Return on assets (ROA) | 0.1874% | 5,759 |
| Pretax return on assets | 0.2360% | 5,702 |
| Return on Equity (ROE) | 1.6978% | 5,775 |
| Retained earnings to average equity (ytd only) | -1.6488% | 6,106 |
| Net charge-offs to loans | 0.3252% | 3,766 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 6.1758% | 2,572 |
| Efficiency ratio | 76.5736% | 2,815 |
| Assets per employee ($millions) | 3.4951% | 5,023 |
| Cash dividends to net income (ytd only)* | 197.1154% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7095% | 6,893 |
| Loan loss allowance to noncurrent loans | 36.6149% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 2.4802% | 2,452 |
| Noncurrent loans to loans | 1.9378% | 3,289 |
| Net loans and leases to total assets | 53.0507% | 5,164 |
| Net loans and leases to deposits | 60.3601% | 5,448 |
| Net loans and leases to core deposits | 61.4720% | 5,709 |
| Total domestic deposits to total assets | 87.8903% | 2,229 |
| Equity capital to assets | 10.9277% | 3,046 |
| Core capital (leverage) ratio | 12.0121% | 1,587 |
| Tier 1 risk-based capital ratio | 13.9143% | 4,386 |
| Total risk-based capital ratio | 14.3710% | 4,952 |
| Memoranda: | ||
| Average total assets | $55,504,200 | 6,182 |
| Average earning assets | $51,595,000 | 6,137 |
| Average equity | $6,125,600 | 6,122 |
| Average total loans | $27,985,800 | 6,250 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 4,449 |
| Cost of funding earning assets | 0.8645% | 4,668 |
| Net interest margin | 3.8385% | 3,677 |
| Noninterest income to average assets | 0.7798% | 2,142 |
| Noninterest expense to average assets | 3.2057% | 2,814 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8805% | 2,821 |
| Return on assets (ROA) | 0.0818% | 6,123 |
| Pretax return on assets | 0.1059% | 6,080 |
| Return on Equity (ROE) | 0.7396% | 6,117 |
| Retained earnings to average equity (ytd only) | 0.7396% | 5,716 |
| Net charge-offs to loans | 0.2811% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 8.1898% | 2,219 |
| Efficiency ratio | 73.7133% | 3,236 |
| Assets per employee ($millions) | 3.3848% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 6,677 |
| Loan loss allowance to noncurrent loans | 36.7868% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 2.2065% | 2,886 |
| Noncurrent loans to loans | 2.3726% | 2,924 |
| Net loans and leases to total assets | 51.3802% | 5,529 |
| Net loans and leases to deposits | 58.8002% | 5,767 |
| Net loans and leases to core deposits | 60.0617% | 5,990 |
| Total domestic deposits to total assets | 87.3811% | 2,417 |
| Equity capital to assets | 11.3762% | 2,797 |
| Core capital (leverage) ratio | 12.2438% | 1,567 |
| Tier 1 risk-based capital ratio | 14.8869% | 3,728 |
| Total risk-based capital ratio | 15.4400% | 4,177 |
| Memoranda: | ||
| Average total assets | $55,399,750 | 6,227 |
| Average earning assets | $51,511,750 | 6,185 |
| Average equity | $6,129,250 | 6,171 |
| Average total loans | $27,512,500 | 6,328 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 4,775 |
| Cost of funding earning assets | 0.8959% | 4,704 |
| Net interest margin | 3.7490% | 4,037 |
| Noninterest income to average assets | 0.7489% | 2,266 |
| Noninterest expense to average assets | 3.1892% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0535% | 2,023 |
| Return on assets (ROA) | -0.0322% | 6,332 |
| Pretax return on assets | -0.0322% | 6,294 |
| Return on Equity (ROE) | -0.2942% | 6,333 |
| Retained earnings to average equity (ytd only) | -0.2942% | 5,907 |
| Net charge-offs to loans | 0.3733% | 3,064 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 5.7647% | 2,533 |
| Efficiency ratio | 75.1689% | 3,155 |
| Assets per employee ($millions) | 3.4395% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 6,550 |
| Loan loss allowance to noncurrent loans | 45.9016% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 3.0782% | 2,180 |
| Noncurrent loans to loans | 2.0456% | 3,418 |
| Net loans and leases to total assets | 48.3101% | 6,021 |
| Net loans and leases to deposits | 55.3425% | 6,193 |
| Net loans and leases to core deposits | 56.5167% | 6,376 |
| Total domestic deposits to total assets | 87.2928% | 2,573 |
| Equity capital to assets | 11.5551% | 2,451 |
| Core capital (leverage) ratio | 11.9423% | 1,633 |
| Tier 1 risk-based capital ratio | 14.1855% | 4,028 |
| Total risk-based capital ratio | 14.7311% | 4,519 |
| Memoranda: | ||
| Average total assets | $55,814,000 | 6,265 |
| Average earning assets | $52,014,330 | 6,220 |
| Average equity | $6,118,670 | 6,201 |
| Average total loans | $27,326,330 | 6,397 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 4,871 |
| Cost of funding earning assets | 0.9342% | 4,695 |
| Net interest margin | 3.6833% | 4,189 |
| Noninterest income to average assets | 0.7117% | 2,508 |
| Noninterest expense to average assets | 3.1172% | 3,187 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0177% | 2,119 |
| Return on assets (ROA) | -0.9465% | 7,028 |
| Pretax return on assets | -0.9465% | 6,980 |
| Return on Equity (ROE) | -8.8689% | 6,990 |
| Retained earnings to average equity (ytd only) | -8.8689% | 6,807 |
| Net charge-offs to loans | 0.7109% | 1,795 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.9184% | 2,917 |
| Efficiency ratio | 75.3873% | 3,265 |
| Assets per employee ($millions) | 3.5121% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 6,677 |
| Loan loss allowance to noncurrent loans | 45.1155% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 2.6516% | 2,593 |
| Noncurrent loans to loans | 2.0149% | 3,558 |
| Net loans and leases to total assets | 49.2730% | 5,930 |
| Net loans and leases to deposits | 55.9489% | 6,131 |
| Net loans and leases to core deposits | 57.2208% | 6,324 |
| Total domestic deposits to total assets | 88.0679% | 2,339 |
| Equity capital to assets | 10.6739% | 3,013 |
| Core capital (leverage) ratio | 11.1165% | 2,104 |
| Tier 1 risk-based capital ratio | 13.6871% | 4,296 |
| Total risk-based capital ratio | 14.2279% | 4,829 |
| Memoranda: | ||
| Average total assets | $56,205,000 | 6,303 |
| Average earning assets | $52,236,000 | 6,262 |
| Average equity | $5,998,500 | 6,250 |
| Average total loans | $27,570,500 | 6,431 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7671% | 5,549 |
| Cost of funding earning assets | 1.0915% | 5,180 |
| Net interest margin | 3.6756% | 4,464 |
| Noninterest income to average assets | 0.7389% | 2,601 |
| Noninterest expense to average assets | 3.3618% | 2,553 |
| Loan and lease loss provision to assets | 0.2254% | 5,024 |
| Net operating income to assets | 0.4733% | 4,215 |
| Return on assets (ROA) | 0.3847% | 4,761 |
| Pretax return on assets | 0.4562% | 4,773 |
| Return on Equity (ROE) | 3.4465% | 4,774 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,576 |
| Net charge-offs to loans | 0.1734% | 5,284 |
| Credit loss provision to net charge-offs | 286.3636% | 947 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,766 |
| Efficiency ratio | 81.0263% | 2,287 |
| Assets per employee ($millions) | 3.5136% | 4,905 |
| Cash dividends to net income (ytd only)* | 100.0000% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 5,903 |
| Loan loss allowance to noncurrent loans | 40.0264% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 2.8550% | 2,453 |
| Noncurrent loans to loans | 2.7832% | 2,738 |
| Net loans and leases to total assets | 47.8432% | 6,406 |
| Net loans and leases to deposits | 54.3354% | 6,585 |
| Net loans and leases to core deposits | 55.4946% | 6,722 |
| Total domestic deposits to total assets | 88.0517% | 2,214 |
| Equity capital to assets | 10.6711% | 2,993 |
| Core capital (leverage) ratio | 12.0321% | 1,523 |
| Tier 1 risk-based capital ratio | 13.2983% | 4,375 |
| Total risk-based capital ratio | 13.9125% | 4,862 |
| Memoranda: | ||
| Average total assets | $55,893,000 | 6,344 |
| Average earning assets | $51,855,200 | 6,294 |
| Average equity | $6,238,200 | 6,296 |
| Average total loans | $25,380,800 | 6,647 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8291% | 5,554 |
| Cost of funding earning assets | 1.1223% | 5,305 |
| Net interest margin | 3.7067% | 4,372 |
| Noninterest income to average assets | 0.7430% | 2,562 |
| Noninterest expense to average assets | 3.2179% | 2,865 |
| Loan and lease loss provision to assets | 0.1075% | 5,959 |
| Net operating income to assets | 0.6785% | 3,514 |
| Return on assets (ROA) | 0.6785% | 3,670 |
| Pretax return on assets | 0.8576% | 3,708 |
| Return on Equity (ROE) | 6.0124% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.0124% | 2,349 |
| Net charge-offs to loans | 0.2300% | 4,556 |
| Credit loss provision to net charge-offs | 104.6512% | 4,095 |
| Earnings coverage of net charge-offs (x) | 9.3956% | 2,029 |
| Efficiency ratio | 76.9275% | 2,770 |
| Assets per employee ($millions) | 3.4193% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 6,891 |
| Loan loss allowance to noncurrent loans | 29.2267% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 2.9008% | 2,499 |
| Noncurrent loans to loans | 2.9056% | 2,750 |
| Net loans and leases to total assets | 47.5918% | 6,557 |
| Net loans and leases to deposits | 54.7721% | 6,710 |
| Net loans and leases to core deposits | 55.9839% | 6,859 |
| Total domestic deposits to total assets | 86.8906% | 2,588 |
| Equity capital to assets | 11.6672% | 2,389 |
| Core capital (leverage) ratio | 12.3549% | 1,477 |
| Tier 1 risk-based capital ratio | 14.3315% | 3,609 |
| Total risk-based capital ratio | 14.7983% | 4,113 |
| Memoranda: | ||
| Average total assets | $55,812,000 | 6,421 |
| Average earning assets | $51,796,250 | 6,372 |
| Average equity | $6,298,000 | 6,354 |
| Average total loans | $24,926,250 | 6,761 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 5,650 |
| Cost of funding earning assets | 1.1480% | 5,418 |
| Net interest margin | 3.6905% | 4,407 |
| Noninterest income to average assets | 0.7334% | 2,497 |
| Noninterest expense to average assets | 3.1898% | 2,937 |
| Loan and lease loss provision to assets | 0.1068% | 5,849 |
| Net operating income to assets | 0.6622% | 3,572 |
| Return on assets (ROA) | 0.6622% | 3,722 |
| Pretax return on assets | 0.8473% | 3,717 |
| Return on Equity (ROE) | 5.9333% | 3,831 |
| Retained earnings to average equity (ytd only) | 5.9333% | 2,370 |
| Net charge-offs to loans | 0.1470% | 4,759 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 14.8889% | 1,493 |
| Efficiency ratio | 76.9759% | 2,897 |
| Assets per employee ($millions) | 3.5256% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 6,739 |
| Loan loss allowance to noncurrent loans | 29.6438% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 3.0580% | 2,326 |
| Noncurrent loans to loans | 3.0568% | 2,633 |
| Net loans and leases to total assets | 45.1693% | 6,838 |
| Net loans and leases to deposits | 51.6794% | 6,996 |
| Net loans and leases to core deposits | 52.7777% | 7,095 |
| Total domestic deposits to total assets | 87.4029% | 2,325 |
| Equity capital to assets | 11.3260% | 2,572 |
| Core capital (leverage) ratio | 12.2298% | 1,527 |
| Tier 1 risk-based capital ratio | 12.3999% | 4,945 |
| Total risk-based capital ratio | 12.8279% | 5,660 |
| Memoranda: | ||
| Average total assets | $56,179,670 | 6,452 |
| Average earning assets | $51,917,000 | 6,409 |
| Average equity | $6,269,670 | 6,384 |
| Average total loans | $24,481,670 | 6,834 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 5,743 |
| Cost of funding earning assets | 1.1799% | 5,508 |
| Net interest margin | 3.6562% | 4,453 |
| Noninterest income to average assets | 0.7277% | 2,417 |
| Noninterest expense to average assets | 3.2106% | 2,816 |
| Loan and lease loss provision to assets | 0.1070% | 5,557 |
| Net operating income to assets | 0.5922% | 3,925 |
| Return on assets (ROA) | 0.5922% | 4,071 |
| Pretax return on assets | 0.7705% | 3,987 |
| Return on Equity (ROE) | 5.3462% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.3462% | 2,965 |
| Net charge-offs to loans | 0.2514% | 3,439 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 1,982 |
| Efficiency ratio | 78.5340% | 2,808 |
| Assets per employee ($millions) | 3.4704% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 6,822 |
| Loan loss allowance to noncurrent loans | 28.2609% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 3.1229% | 2,289 |
| Noncurrent loans to loans | 3.2130% | 2,484 |
| Net loans and leases to total assets | 43.4355% | 7,034 |
| Net loans and leases to deposits | 49.7535% | 7,136 |
| Net loans and leases to core deposits | 50.8315% | 7,250 |
| Total domestic deposits to total assets | 87.3014% | 2,465 |
| Equity capital to assets | 11.3640% | 2,453 |
| Core capital (leverage) ratio | 11.3723% | 1,985 |
| Tier 1 risk-based capital ratio | 12.1630% | 5,025 |
| Total risk-based capital ratio | 12.5675% | 5,806 |
| Memoranda: | ||
| Average total assets | $56,064,500 | 6,530 |
| Average earning assets | $51,528,500 | 6,492 |
| Average equity | $6,210,000 | 6,449 |
| Average total loans | $23,866,000 | 6,954 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2733% | 5,309 |
| Cost of funding earning assets | 1.4630% | 5,667 |
| Net interest margin | 3.8103% | 3,659 |
| Noninterest income to average assets | 0.7637% | 2,595 |
| Noninterest expense to average assets | 3.5981% | 2,151 |
| Loan and lease loss provision to assets | 0.1829% | 5,873 |
| Net operating income to assets | 0.4177% | 4,060 |
| Return on assets (ROA) | 0.4177% | 4,162 |
| Pretax return on assets | 0.5360% | 4,089 |
| Return on Equity (ROE) | 3.6448% | 4,234 |
| Retained earnings to average equity (ytd only) | 0.0626% | 4,867 |
| Net charge-offs to loans | 0.8389% | 2,732 |
| Credit loss provision to net charge-offs | 46.7890% | 6,784 |
| Earnings coverage of net charge-offs (x) | 1.8394% | 4,345 |
| Efficiency ratio | 83.3472% | 2,436 |
| Assets per employee ($millions) | 3.3296% | 5,428 |
| Cash dividends to net income (ytd only)* | 98.2833% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 6,653 |
| Loan loss allowance to noncurrent loans | 25.5491% | 6,762 |
| Noncurrent assets plus other real estate owned to assets | 2.0140% | 3,378 |
| Noncurrent loans to loans | 3.6977% | 2,035 |
| Net loans and leases to total assets | 40.9378% | 7,307 |
| Net loans and leases to deposits | 46.6810% | 7,412 |
| Net loans and leases to core deposits | 60.1027% | 7,260 |
| Total domestic deposits to total assets | 87.6968% | 2,126 |
| Equity capital to assets | 10.7945% | 2,875 |
| Core capital (leverage) ratio | 12.0601% | 1,639 |
| Tier 1 risk-based capital ratio | 12.2187% | 4,752 |
| Total risk-based capital ratio | 12.6314% | 5,487 |
| Memoranda: | ||
| Average total assets | $55,779,000 | 6,502 |
| Average earning assets | $52,016,800 | 6,461 |
| Average equity | $6,392,600 | 6,462 |
| Average total loans | $25,985,200 | 6,853 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4231% | 4,834 |
| Cost of funding earning assets | 1.5509% | 5,631 |
| Net interest margin | 3.8722% | 3,339 |
| Noninterest income to average assets | 0.7390% | 2,769 |
| Noninterest expense to average assets | 3.5100% | 2,257 |
| Loan and lease loss provision to assets | 0.1415% | 5,941 |
| Net operating income to assets | 0.5470% | 3,802 |
| Return on assets (ROA) | 0.5470% | 3,886 |
| Pretax return on assets | 0.7054% | 3,832 |
| Return on Equity (ROE) | 4.7034% | 4,077 |
| Retained earnings to average equity (ytd only) | 4.7034% | 2,653 |
| Net charge-offs to loans | 0.2002% | 4,807 |
| Credit loss provision to net charge-offs | 147.5000% | 3,284 |
| Earnings coverage of net charge-offs (x) | 8.8252% | 2,192 |
| Efficiency ratio | 80.5617% | 2,763 |
| Assets per employee ($millions) | 3.2478% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 3,630 |
| Loan loss allowance to noncurrent loans | 26.4095% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 3.0084% | 2,306 |
| Noncurrent loans to loans | 5.5389% | 1,127 |
| Net loans and leases to total assets | 43.4344% | 7,280 |
| Net loans and leases to deposits | 50.1464% | 7,404 |
| Net loans and leases to core deposits | 65.4414% | 7,187 |
| Total domestic deposits to total assets | 86.6152% | 2,370 |
| Equity capital to assets | 11.8000% | 2,354 |
| Core capital (leverage) ratio | 12.2306% | 1,697 |
| Tier 1 risk-based capital ratio | 12.8700% | 4,282 |
| Total risk-based capital ratio | 13.5473% | 4,650 |
| Memoranda: | ||
| Average total assets | $55,573,000 | 6,559 |
| Average earning assets | $51,924,750 | 6,503 |
| Average equity | $6,463,250 | 6,499 |
| Average total loans | $26,633,250 | 6,876 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6149% | 3,997 |
| Cost of funding earning assets | 1.6257% | 5,635 |
| Net interest margin | 3.9892% | 2,744 |
| Noninterest income to average assets | 0.7110% | 2,922 |
| Noninterest expense to average assets | 3.4762% | 2,415 |
| Loan and lease loss provision to assets | 0.1508% | 5,565 |
| Net operating income to assets | 0.6608% | 3,425 |
| Return on assets (ROA) | 0.6608% | 3,535 |
| Pretax return on assets | 0.8116% | 3,633 |
| Return on Equity (ROE) | 5.7090% | 3,780 |
| Retained earnings to average equity (ytd only) | 5.7090% | 2,156 |
| Net charge-offs to loans | 0.1533% | 4,663 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 12.7619% | 1,789 |
| Efficiency ratio | 78.3172% | 3,298 |
| Assets per employee ($millions) | 2.7619% | 6,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 3,742 |
| Loan loss allowance to noncurrent loans | 29.2245% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 2.3245% | 2,797 |
| Noncurrent loans to loans | 4.7769% | 1,312 |
| Net loans and leases to total assets | 45.7765% | 7,211 |
| Net loans and leases to deposits | 52.2438% | 7,370 |
| Net loans and leases to core deposits | 68.5796% | 7,096 |
| Total domestic deposits to total assets | 87.6208% | 1,960 |
| Equity capital to assets | 11.5337% | 2,519 |
| Core capital (leverage) ratio | 12.3254% | 1,683 |
| Tier 1 risk-based capital ratio | 12.8207% | 4,271 |
| Total risk-based capital ratio | 13.5035% | 4,638 |
| Memoranda: | ||
| Average total assets | $55,693,330 | 6,608 |
| Average earning assets | $52,040,330 | 6,552 |
| Average equity | $6,446,000 | 6,552 |
| Average total loans | $27,398,670 | 6,888 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8665% | 2,954 |
| Cost of funding earning assets | 1.7768% | 5,230 |
| Net interest margin | 4.0897% | 2,319 |
| Noninterest income to average assets | 0.7010% | 2,886 |
| Noninterest expense to average assets | 3.5336% | 2,020 |
| Loan and lease loss provision to assets | 0.1073% | 5,592 |
| Net operating income to assets | 0.7081% | 3,512 |
| Return on assets (ROA) | 0.7081% | 3,707 |
| Pretax return on assets | 0.8798% | 3,793 |
| Return on Equity (ROE) | 6.1078% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.1078% | 2,581 |
| Net charge-offs to loans | -0.0990% | 7,873 |
| Credit loss provision to net charge-offs | -214.2857% | 6,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1646% | 3,136 |
| Assets per employee ($millions) | 2.7203% | 6,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 4,140 |
| Loan loss allowance to noncurrent loans | 39.2779% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 1.7792% | 3,252 |
| Noncurrent loans to loans | 3.2805% | 1,954 |
| Net loans and leases to total assets | 50.5514% | 6,808 |
| Net loans and leases to deposits | 58.0355% | 7,032 |
| Net loans and leases to core deposits | 73.6240% | 6,825 |
| Total domestic deposits to total assets | 87.1044% | 2,165 |
| Equity capital to assets | 11.9748% | 2,280 |
| Core capital (leverage) ratio | 11.2208% | 2,321 |
| Tier 1 risk-based capital ratio | 12.1648% | 4,814 |
| Total risk-based capital ratio | 12.8229% | 5,238 |
| Memoranda: | ||
| Average total assets | $55,921,000 | 6,635 |
| Average earning assets | $52,229,000 | 6,565 |
| Average equity | $6,483,500 | 6,588 |
| Average total loans | $28,276,000 | 6,863 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4029% | 3,406 |
| Cost of funding earning assets | 2.3302% | 5,008 |
| Net interest margin | 4.0728% | 2,822 |
| Noninterest income to average assets | 0.8299% | 2,349 |
| Noninterest expense to average assets | 3.4043% | 2,664 |
| Loan and lease loss provision to assets | 0.3116% | 3,883 |
| Net operating income to assets | 0.6809% | 3,981 |
| Return on assets (ROA) | 0.6809% | 3,817 |
| Pretax return on assets | 0.8943% | 3,743 |
| Return on Equity (ROE) | 5.9352% | 3,969 |
| Retained earnings to average equity (ytd only) | 0.5463% | 4,909 |
| Net charge-offs to loans | 0.7068% | 1,747 |
| Credit loss provision to net charge-offs | 86.7925% | 5,747 |
| Earnings coverage of net charge-offs (x) | 3.3585% | 4,403 |
| Efficiency ratio | 73.8428% | 3,608 |
| Assets per employee ($millions) | 2.7350% | 6,714 |
| Cash dividends to net income (ytd only)* | 90.7960% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 4,743 |
| Loan loss allowance to noncurrent loans | 38.6025% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 1.7707% | 2,764 |
| Noncurrent loans to loans | 3.0429% | 1,757 |
| Net loans and leases to total assets | 49.3645% | 7,082 |
| Net loans and leases to deposits | 56.2336% | 7,303 |
| Net loans and leases to core deposits | 71.3984% | 7,117 |
| Total domestic deposits to total assets | 87.7847% | 1,563 |
| Equity capital to assets | 11.2334% | 2,856 |
| Core capital (leverage) ratio | 11.3899% | 2,319 |
| Tier 1 risk-based capital ratio | 15.2516% | 2,935 |
| Total risk-based capital ratio | 16.0379% | 3,077 |
| Memoranda: | ||
| Average total assets | $59,042,600 | 6,414 |
| Average earning assets | $54,803,200 | 6,376 |
| Average equity | $6,773,200 | 6,541 |
| Average total loans | $29,992,400 | 6,710 |