Home > Fairview Savings and Loan Association > Performance and Condition Ratios
Fairview Savings and Loan Association, 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 | 4.9631% | 2,149 |
| Cost of funding earning assets | 0.7957% | 3,744 |
| Net interest margin | 4.1673% | 981 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.5471% | 2,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3162% | 1,401 |
| Return on assets (ROA) | 1.3162% | 1,365 |
| Pretax return on assets | 1.6860% | 1,087 |
| Return on Equity (ROE) | 6.1000% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.0972% | 2,209 |
| Net charge-offs to loans | 0.0152% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 148.1667% | 714 |
| Efficiency ratio | 60.1703% | 3,061 |
| Assets per employee ($millions) | 7.5714% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5577% | 4,291 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 81.0800% | 520 |
| Net loans and leases to deposits | 107.8212% | 245 |
| Net loans and leases to core deposits | 115.4053% | 765 |
| Total domestic deposits to total assets | 75.1900% | 4,013 |
| Equity capital to assets | 22.0604% | 235 |
| Core capital (leverage) ratio | 22.4178% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $52,727,400 | 4,292 |
| Average earning assets | $51,399,600 | 4,237 |
| Average equity | $11,382,200 | 3,583 |
| Average total loans | $39,541,200 | 4,001 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 2,056 |
| Cost of funding earning assets | 0.6909% | 3,782 |
| Net interest margin | 4.2102% | 910 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.2889% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6179% | 913 |
| Return on assets (ROA) | 1.6179% | 899 |
| Pretax return on assets | 1.9952% | 754 |
| Return on Equity (ROE) | 7.5400% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.5365% | 2,131 |
| Net charge-offs to loans | 0.0035% | 2,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 788.0000% | 203 |
| Efficiency ratio | 53.4279% | 3,635 |
| Assets per employee ($millions) | 6.4116% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6140% | 4,247 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 77.6300% | 926 |
| Net loans and leases to deposits | 101.0097% | 473 |
| Net loans and leases to core deposits | 106.0175% | 1,016 |
| Total domestic deposits to total assets | 76.8500% | 3,946 |
| Equity capital to assets | 22.6873% | 219 |
| Core capital (leverage) ratio | 22.3055% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $52,659,250 | 4,308 |
| Average earning assets | $51,334,750 | 4,251 |
| Average equity | $11,304,750 | 3,594 |
| Average total loans | $38,623,750 | 4,028 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8116% | 1,969 |
| Cost of funding earning assets | 0.5870% | 3,784 |
| Net interest margin | 4.2246% | 899 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.3798% | 2,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5325% | 1,048 |
| Return on assets (ROA) | 1.5325% | 1,043 |
| Pretax return on assets | 1.9166% | 838 |
| Return on Equity (ROE) | 7.2700% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.2718% | 2,201 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.3900% | 3,489 |
| Assets per employee ($millions) | 6.4968% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6420% | 4,253 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 73.5500% | 1,343 |
| Net loans and leases to deposits | 94.7336% | 799 |
| Net loans and leases to core deposits | 98.0405% | 1,343 |
| Total domestic deposits to total assets | 77.6300% | 3,885 |
| Equity capital to assets | 21.9437% | 228 |
| Core capital (leverage) ratio | 21.4832% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $53,114,667 | 4,324 |
| Average earning assets | $51,791,667 | 4,272 |
| Average equity | $11,194,000 | 3,614 |
| Average total loans | $38,144,000 | 4,048 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 1,963 |
| Cost of funding earning assets | 0.4582% | 3,813 |
| Net interest margin | 4.1930% | 955 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.4886% | 2,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3486% | 1,551 |
| Return on assets (ROA) | 1.3486% | 1,518 |
| Pretax return on assets | 1.7435% | 1,184 |
| Return on Equity (ROE) | 6.5300% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.5293% | 2,632 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.8028% | 3,092 |
| Assets per employee ($millions) | 6.7243% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6525% | 4,307 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,549 |
| Noncurrent loans to loans | 0.0343% | 3,504 |
| Net loans and leases to total assets | 69.9100% | 1,637 |
| Net loans and leases to deposits | 88.7929% | 1,148 |
| Net loans and leases to core deposits | 90.6090% | 1,583 |
| Total domestic deposits to total assets | 78.7400% | 3,918 |
| Equity capital to assets | 20.7811% | 215 |
| Core capital (leverage) ratio | 20.9517% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $53,685,000 | 4,379 |
| Average earning assets | $52,373,500 | 4,323 |
| Average equity | $11,088,500 | 3,666 |
| Average total loans | $37,980,000 | 4,106 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0132% | 1,679 |
| Cost of funding earning assets | 0.2418% | 3,397 |
| Net interest margin | 3.7714% | 1,220 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.3101% | 2,696 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2089% | 1,737 |
| Return on assets (ROA) | 1.2089% | 1,685 |
| Pretax return on assets | 1.5227% | 1,388 |
| Return on Equity (ROE) | 6.1000% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.0987% | 2,607 |
| Net charge-offs to loans | 0.0027% | 2,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 820.0000% | 225 |
| Efficiency ratio | 60.2713% | 3,021 |
| Assets per employee ($millions) | 6.6970% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6482% | 4,293 |
| Loan loss allowance to noncurrent loans | 398.3871% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 2,712 |
| Noncurrent loans to loans | 0.1627% | 2,678 |
| Net loans and leases to total assets | 70.6600% | 1,567 |
| Net loans and leases to deposits | 89.2620% | 1,105 |
| Net loans and leases to core deposits | 91.0788% | 1,452 |
| Total domestic deposits to total assets | 79.1600% | 3,984 |
| Equity capital to assets | 20.5278% | 214 |
| Core capital (leverage) ratio | 20.2136% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $53,850,800 | 4,399 |
| Average earning assets | $52,527,000 | 4,346 |
| Average equity | $10,674,400 | 3,790 |
| Average total loans | $36,962,400 | 4,120 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 1,719 |
| Cost of funding earning assets | 0.2180% | 3,061 |
| Net interest margin | 3.5949% | 1,400 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.0128% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3501% | 1,214 |
| Return on assets (ROA) | 1.3501% | 1,191 |
| Pretax return on assets | 1.6518% | 997 |
| Return on Equity (ROE) | 6.8700% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.8720% | 2,417 |
| Net charge-offs to loans | 0.0036% | 2,086 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 668.0000% | 245 |
| Efficiency ratio | 54.9258% | 3,733 |
| Assets per employee ($millions) | 6.7184% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 4,317 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 69.2300% | 1,544 |
| Net loans and leases to deposits | 87.1708% | 1,091 |
| Net loans and leases to core deposits | 88.9293% | 1,363 |
| Total domestic deposits to total assets | 79.4200% | 4,149 |
| Equity capital to assets | 20.2672% | 209 |
| Core capital (leverage) ratio | 20.1022% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $53,919,500 | 4,432 |
| Average earning assets | $52,592,250 | 4,381 |
| Average equity | $10,593,500 | 3,850 |
| Average total loans | $36,677,250 | 4,145 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6155% | 1,790 |
| Cost of funding earning assets | 0.2165% | 2,687 |
| Net interest margin | 3.3991% | 1,610 |
| Noninterest income to average assets | 0.1482% | 4,276 |
| Noninterest expense to average assets | 1.9897% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1264% | 1,680 |
| Return on assets (ROA) | 1.1264% | 1,658 |
| Pretax return on assets | 1.4747% | 1,238 |
| Return on Equity (ROE) | 5.7940% | 3,632 |
| Retained earnings to average equity (ytd only) | 5.7940% | 2,404 |
| Net charge-offs to loans | 0.0055% | 1,806 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 398.0000% | 320 |
| Efficiency ratio | 57.4332% | 3,631 |
| Assets per employee ($millions) | 6.6620% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6736% | 4,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 68.3428% | 1,453 |
| Net loans and leases to deposits | 85.8328% | 986 |
| Net loans and leases to core deposits | 88.6574% | 1,190 |
| Total domestic deposits to total assets | 79.6232% | 4,257 |
| Equity capital to assets | 19.9846% | 168 |
| Core capital (leverage) ratio | 19.9764% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,977,000 | 4,474 |
| Average earning assets | $52,661,667 | 4,434 |
| Average equity | $10,493,667 | 3,935 |
| Average total loans | $36,418,000 | 4,206 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4927% | 1,835 |
| Cost of funding earning assets | 0.2188% | 2,548 |
| Net interest margin | 3.2740% | 1,633 |
| Noninterest income to average assets | 0.1252% | 4,381 |
| Noninterest expense to average assets | 1.9736% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0015% | 1,879 |
| Return on assets (ROA) | 1.0015% | 1,873 |
| Pretax return on assets | 1.3476% | 1,382 |
| Return on Equity (ROE) | 5.2232% | 3,561 |
| Retained earnings to average equity (ytd only) | 5.2232% | 2,503 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4235% | 3,543 |
| Assets per employee ($millions) | 6.7878% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6935% | 4,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 65.4027% | 1,471 |
| Net loans and leases to deposits | 81.4807% | 1,045 |
| Net loans and leases to core deposits | 84.0850% | 1,238 |
| Total domestic deposits to total assets | 80.2678% | 4,269 |
| Equity capital to assets | 19.3050% | 182 |
| Core capital (leverage) ratio | 19.2997% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,317,500 | 4,493 |
| Average earning assets | $53,024,500 | 4,451 |
| Average equity | $10,415,000 | 4,011 |
| Average total loans | $36,291,500 | 4,223 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 662 |
| Cost of funding earning assets | 0.2654% | 2,751 |
| Net interest margin | 4.1763% | 510 |
| Noninterest income to average assets | 0.1480% | 4,409 |
| Noninterest expense to average assets | 2.4919% | 2,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2908% | 1,624 |
| Return on assets (ROA) | 1.2908% | 1,675 |
| Pretax return on assets | 1.7307% | 1,066 |
| Return on Equity (ROE) | 6.5800% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.5800% | 2,091 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0134% | 3,296 |
| Assets per employee ($millions) | 6.7916% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6735% | 4,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 67.3108% | 1,329 |
| Net loans and leases to deposits | 83.5053% | 946 |
| Net loans and leases to core deposits | 86.6676% | 1,160 |
| Total domestic deposits to total assets | 80.6066% | 4,155 |
| Equity capital to assets | 19.0437% | 212 |
| Core capital (leverage) ratio | 18.9097% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,365,400 | 4,551 |
| Average earning assets | $50,115,800 | 4,507 |
| Average equity | $10,076,000 | 4,116 |
| Average total loans | $36,970,000 | 4,250 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6395% | 532 |
| Cost of funding earning assets | 0.2755% | 2,844 |
| Net interest margin | 4.3641% | 392 |
| Noninterest income to average assets | 0.1501% | 4,444 |
| Noninterest expense to average assets | 2.0675% | 3,463 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8989% | 560 |
| Return on assets (ROA) | 1.8989% | 581 |
| Pretax return on assets | 2.3388% | 431 |
| Return on Equity (ROE) | 9.6052% | 2,881 |
| Retained earnings to average equity (ytd only) | 9.6052% | 1,449 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9217% | 4,451 |
| Assets per employee ($millions) | 6.6251% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 4,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.7308% | 1,233 |
| Net loans and leases to deposits | 85.8523% | 833 |
| Net loans and leases to core deposits | 89.2078% | 1,081 |
| Total domestic deposits to total assets | 80.0570% | 4,223 |
| Equity capital to assets | 19.6317% | 209 |
| Core capital (leverage) ratio | 19.7976% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,623,500 | 4,617 |
| Average earning assets | $49,371,750 | 4,577 |
| Average equity | $10,008,250 | 4,187 |
| Average total loans | $37,007,500 | 4,306 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 1,070 |
| Cost of funding earning assets | 0.2881% | 2,894 |
| Net interest margin | 3.9721% | 861 |
| Noninterest income to average assets | 0.1485% | 4,453 |
| Noninterest expense to average assets | 2.1071% | 3,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5051% | 1,272 |
| Return on assets (ROA) | 1.5051% | 1,338 |
| Pretax return on assets | 1.9145% | 988 |
| Return on Equity (ROE) | 7.5942% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.5942% | 2,222 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3952% | 4,003 |
| Assets per employee ($millions) | 6.3141% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6715% | 4,578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 72.6249% | 893 |
| Net loans and leases to deposits | 91.1066% | 587 |
| Net loans and leases to core deposits | 93.6391% | 920 |
| Total domestic deposits to total assets | 79.7141% | 4,268 |
| Equity capital to assets | 19.9137% | 195 |
| Core capital (leverage) ratio | 19.8543% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,831,000 | 4,655 |
| Average earning assets | $48,588,667 | 4,615 |
| Average equity | $9,876,000 | 4,214 |
| Average total loans | $37,118,000 | 4,333 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 974 |
| Cost of funding earning assets | 0.3068% | 2,919 |
| Net interest margin | 4.0376% | 796 |
| Noninterest income to average assets | 0.1455% | 4,476 |
| Noninterest expense to average assets | 2.1176% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6246% | 1,071 |
| Return on assets (ROA) | 1.6246% | 1,127 |
| Pretax return on assets | 1.9640% | 1,008 |
| Return on Equity (ROE) | 8.2171% | 3,265 |
| Retained earnings to average equity (ytd only) | 8.2171% | 2,172 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8812% | 4,001 |
| Assets per employee ($millions) | 6.2704% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 4,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 73.4127% | 858 |
| Net loans and leases to deposits | 91.9455% | 595 |
| Net loans and leases to core deposits | 94.5129% | 949 |
| Total domestic deposits to total assets | 79.8437% | 4,227 |
| Equity capital to assets | 19.7058% | 197 |
| Core capital (leverage) ratio | 19.8370% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,490,000 | 4,677 |
| Average earning assets | $48,246,000 | 4,641 |
| Average equity | $9,784,500 | 4,235 |
| Average total loans | $37,210,500 | 4,348 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 1,449 |
| Cost of funding earning assets | 0.4733% | 3,127 |
| Net interest margin | 3.9722% | 1,039 |
| Noninterest income to average assets | 0.1408% | 4,588 |
| Noninterest expense to average assets | 2.4783% | 2,913 |
| Loan and lease loss provision to assets | 0.0946% | 3,162 |
| Net operating income to assets | 1.1477% | 1,733 |
| Return on assets (ROA) | 1.1477% | 1,859 |
| Pretax return on assets | 1.4315% | 1,565 |
| Return on Equity (ROE) | 5.7785% | 3,650 |
| Retained earnings to average equity (ytd only) | 5.7785% | 1,913 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8898% | 3,157 |
| Assets per employee ($millions) | 6.1021% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6640% | 4,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 75.9961% | 790 |
| Net loans and leases to deposits | 95.2331% | 585 |
| Net loans and leases to core deposits | 97.9641% | 1,009 |
| Total domestic deposits to total assets | 79.8001% | 4,077 |
| Equity capital to assets | 19.8374% | 207 |
| Core capital (leverage) ratio | 19.7062% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,573,800 | 4,682 |
| Average earning assets | $46,271,400 | 4,647 |
| Average equity | $9,448,800 | 4,258 |
| Average total loans | $36,505,000 | 4,381 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 1,677 |
| Cost of funding earning assets | 0.5049% | 3,188 |
| Net interest margin | 3.9552% | 1,221 |
| Noninterest income to average assets | 0.1411% | 4,602 |
| Noninterest expense to average assets | 2.1665% | 3,760 |
| Loan and lease loss provision to assets | 0.0846% | 3,253 |
| Net operating income to assets | 1.4726% | 957 |
| Return on assets (ROA) | 1.4726% | 1,041 |
| Pretax return on assets | 1.7349% | 899 |
| Return on Equity (ROE) | 7.4120% | 3,044 |
| Retained earnings to average equity (ytd only) | 7.4120% | 1,527 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3524% | 4,111 |
| Assets per employee ($millions) | 6.1143% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6196% | 4,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 76.3974% | 1,047 |
| Net loans and leases to deposits | 95.6365% | 783 |
| Net loans and leases to core deposits | 98.3679% | 1,283 |
| Total domestic deposits to total assets | 79.8831% | 3,889 |
| Equity capital to assets | 19.7489% | 218 |
| Core capital (leverage) ratio | 20.0481% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,263,000 | 4,710 |
| Average earning assets | $45,946,500 | 4,671 |
| Average equity | $9,390,000 | 4,281 |
| Average total loans | $36,294,500 | 4,410 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 1,841 |
| Cost of funding earning assets | 0.5377% | 3,302 |
| Net interest margin | 3.9885% | 1,353 |
| Noninterest income to average assets | 0.1370% | 4,618 |
| Noninterest expense to average assets | 2.2307% | 3,703 |
| Loan and lease loss provision to assets | 0.0642% | 3,493 |
| Net operating income to assets | 1.3615% | 1,200 |
| Return on assets (ROA) | 1.3615% | 1,292 |
| Pretax return on assets | 1.7169% | 969 |
| Return on Equity (ROE) | 6.8387% | 3,193 |
| Retained earnings to average equity (ytd only) | 6.8387% | 1,725 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6030% | 3,991 |
| Assets per employee ($millions) | 5.9666% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5962% | 4,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 76.1507% | 1,114 |
| Net loans and leases to deposits | 95.5446% | 831 |
| Net loans and leases to core deposits | 98.3415% | 1,388 |
| Total domestic deposits to total assets | 79.7017% | 3,897 |
| Equity capital to assets | 19.8102% | 221 |
| Core capital (leverage) ratio | 19.8535% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,712,667 | 4,737 |
| Average earning assets | $45,381,000 | 4,697 |
| Average equity | $9,300,000 | 4,310 |
| Average total loans | $35,858,667 | 4,432 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 1,846 |
| Cost of funding earning assets | 0.5615% | 3,638 |
| Net interest margin | 4.0910% | 1,151 |
| Noninterest income to average assets | 0.1472% | 4,628 |
| Noninterest expense to average assets | 2.3116% | 3,748 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4545% | 868 |
| Return on assets (ROA) | 1.4545% | 942 |
| Pretax return on assets | 1.8094% | 684 |
| Return on Equity (ROE) | 7.2869% | 2,839 |
| Retained earnings to average equity (ytd only) | 7.2869% | 1,447 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0924% | 4,202 |
| Assets per employee ($millions) | 5.7871% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5775% | 4,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 75.4865% | 1,390 |
| Net loans and leases to deposits | 95.0500% | 993 |
| Net loans and leases to core deposits | 97.1371% | 1,706 |
| Total domestic deposits to total assets | 79.4177% | 3,972 |
| Equity capital to assets | 20.1007% | 241 |
| Core capital (leverage) ratio | 20.1874% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,202,500 | 4,764 |
| Average earning assets | $44,879,500 | 4,724 |
| Average equity | $9,222,000 | 4,338 |
| Average total loans | $35,504,500 | 4,463 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 2,233 |
| Cost of funding earning assets | 0.5137% | 4,031 |
| Net interest margin | 4.2185% | 1,287 |
| Noninterest income to average assets | 0.1615% | 4,685 |
| Noninterest expense to average assets | 2.6307% | 3,093 |
| Loan and lease loss provision to assets | 0.0086% | 3,834 |
| Net operating income to assets | 1.4273% | 1,251 |
| Return on assets (ROA) | 1.4273% | 1,315 |
| Pretax return on assets | 1.6232% | 1,420 |
| Return on Equity (ROE) | 7.4936% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.4936% | 1,173 |
| Net charge-offs to loans | 0.0056% | 3,477 |
| Credit loss provision to net charge-offs | 200.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 379.0000% | 238 |
| Efficiency ratio | 61.7172% | 3,421 |
| Assets per employee ($millions) | 5.7635% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5661% | 4,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 77.3293% | 1,196 |
| Net loans and leases to deposits | 96.9202% | 848 |
| Net loans and leases to core deposits | 99.0417% | 1,644 |
| Total domestic deposits to total assets | 79.7866% | 4,022 |
| Equity capital to assets | 19.8187% | 258 |
| Core capital (leverage) ratio | 19.6944% | 251 |
| Tier 1 risk-based capital ratio | 29.3515% | 502 |
| Total risk-based capital ratio | 30.0035% | 516 |
| Memoranda: | ||
| Average total assets | $46,450,800 | 4,807 |
| Average earning assets | $45,158,400 | 4,763 |
| Average equity | $8,847,600 | 4,400 |
| Average total loans | $35,650,800 | 4,512 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7009% | 2,416 |
| Cost of funding earning assets | 0.4981% | 4,147 |
| Net interest margin | 4.2028% | 1,376 |
| Noninterest income to average assets | 0.1576% | 4,761 |
| Noninterest expense to average assets | 2.2663% | 4,035 |
| Loan and lease loss provision to assets | 0.0115% | 3,665 |
| Net operating income to assets | 1.8881% | 505 |
| Return on assets (ROA) | 1.8881% | 528 |
| Pretax return on assets | 1.9654% | 742 |
| Return on Equity (ROE) | 10.0130% | 2,420 |
| Retained earnings to average equity (ytd only) | 10.0130% | 745 |
| Net charge-offs to loans | 0.0037% | 3,277 |
| Credit loss provision to net charge-offs | 400.0000% | 752 |
| Earnings coverage of net charge-offs (x) | 691.7143% | 142 |
| Efficiency ratio | 53.4099% | 4,452 |
| Assets per employee ($millions) | 5.7895% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5618% | 4,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 77.9666% | 1,149 |
| Net loans and leases to deposits | 97.7267% | 848 |
| Net loans and leases to core deposits | 100.6074% | 1,613 |
| Total domestic deposits to total assets | 79.7802% | 4,031 |
| Equity capital to assets | 19.7210% | 272 |
| Core capital (leverage) ratio | 19.7049% | 258 |
| Tier 1 risk-based capital ratio | 29.3029% | 505 |
| Total risk-based capital ratio | 29.9573% | 518 |
| Memoranda: | ||
| Average total assets | $46,536,500 | 4,876 |
| Average earning assets | $45,238,250 | 4,833 |
| Average equity | $8,775,000 | 4,455 |
| Average total loans | $35,599,000 | 4,572 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6521% | 2,513 |
| Cost of funding earning assets | 0.4811% | 4,202 |
| Net interest margin | 4.1710% | 1,431 |
| Noninterest income to average assets | 0.1502% | 4,828 |
| Noninterest expense to average assets | 2.2699% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5490% | 1,015 |
| Return on assets (ROA) | 1.5490% | 1,057 |
| Pretax return on assets | 1.9352% | 777 |
| Return on Equity (ROE) | 8.3417% | 3,139 |
| Retained earnings to average equity (ytd only) | 8.3417% | 1,265 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9796% | 4,473 |
| Assets per employee ($millions) | 5.7155% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5632% | 4,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 77.6069% | 1,291 |
| Net loans and leases to deposits | 96.9747% | 935 |
| Net loans and leases to core deposits | 99.8537% | 1,736 |
| Total domestic deposits to total assets | 80.0280% | 4,033 |
| Equity capital to assets | 19.3246% | 278 |
| Core capital (leverage) ratio | 18.8933% | 287 |
| Tier 1 risk-based capital ratio | 28.7574% | 529 |
| Total risk-based capital ratio | 29.4116% | 544 |
| Memoranda: | ||
| Average total assets | $46,610,000 | 4,918 |
| Average earning assets | $45,313,330 | 4,865 |
| Average equity | $8,655,330 | 4,489 |
| Average total loans | $35,360,330 | 4,614 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 2,633 |
| Cost of funding earning assets | 0.4545% | 4,267 |
| Net interest margin | 4.1163% | 1,511 |
| Noninterest income to average assets | 0.1275% | 4,966 |
| Noninterest expense to average assets | 2.2188% | 4,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5302% | 1,051 |
| Return on assets (ROA) | 1.5302% | 1,077 |
| Pretax return on assets | 1.9127% | 772 |
| Return on Equity (ROE) | 8.4063% | 3,075 |
| Retained earnings to average equity (ytd only) | 8.4063% | 1,517 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7037% | 4,560 |
| Assets per employee ($millions) | 5.9130% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5726% | 4,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 73.7781% | 1,849 |
| Net loans and leases to deposits | 91.3421% | 1,476 |
| Net loans and leases to core deposits | 93.9283% | 2,127 |
| Total domestic deposits to total assets | 80.7712% | 4,008 |
| Equity capital to assets | 18.2965% | 325 |
| Core capital (leverage) ratio | 18.3742% | 313 |
| Tier 1 risk-based capital ratio | 28.4526% | 535 |
| Total risk-based capital ratio | 29.1134% | 556 |
| Memoranda: | ||
| Average total assets | $47,053,000 | 4,955 |
| Average earning assets | $45,769,000 | 4,904 |
| Average equity | $8,565,000 | 4,528 |
| Average total loans | $35,197,500 | 4,661 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5328% | 2,359 |
| Cost of funding earning assets | 0.3754% | 4,127 |
| Net interest margin | 4.1575% | 1,508 |
| Noninterest income to average assets | 0.2091% | 4,664 |
| Noninterest expense to average assets | 2.5752% | 3,401 |
| Loan and lease loss provision to assets | 0.0213% | 3,736 |
| Net operating income to assets | 1.1606% | 2,342 |
| Return on assets (ROA) | 1.1606% | 2,340 |
| Pretax return on assets | 1.6535% | 1,303 |
| Return on Equity (ROE) | 6.5922% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.5922% | 1,872 |
| Net charge-offs to loans | 0.0058% | 3,498 |
| Credit loss provision to net charge-offs | 500.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 392.5000% | 258 |
| Efficiency ratio | 60.5924% | 3,763 |
| Assets per employee ($millions) | 5.8503% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5695% | 5,020 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 4,111 |
| Noncurrent loans to loans | 0.1898% | 3,892 |
| Net loans and leases to total assets | 74.9818% | 1,777 |
| Net loans and leases to deposits | 92.4473% | 1,490 |
| Net loans and leases to core deposits | 95.0746% | 2,130 |
| Total domestic deposits to total assets | 81.1076% | 3,863 |
| Equity capital to assets | 18.1082% | 334 |
| Core capital (leverage) ratio | 17.9085% | 336 |
| Tier 1 risk-based capital ratio | 28.1608% | 552 |
| Total risk-based capital ratio | 28.8287% | 578 |
| Memoranda: | ||
| Average total assets | $46,870,400 | 4,997 |
| Average earning assets | $45,556,400 | 4,943 |
| Average equity | $8,252,200 | 4,569 |
| Average total loans | $34,574,200 | 4,703 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4774% | 2,370 |
| Cost of funding earning assets | 0.3600% | 4,118 |
| Net interest margin | 4.1174% | 1,579 |
| Noninterest income to average assets | 0.2104% | 4,704 |
| Noninterest expense to average assets | 2.3062% | 4,083 |
| Loan and lease loss provision to assets | 0.0142% | 3,721 |
| Net operating income to assets | 1.4702% | 1,274 |
| Return on assets (ROA) | 1.4702% | 1,274 |
| Pretax return on assets | 1.8910% | 832 |
| Return on Equity (ROE) | 8.4099% | 3,375 |
| Retained earnings to average equity (ytd only) | 8.4099% | 1,465 |
| Net charge-offs to loans | 0.0078% | 3,138 |
| Credit loss provision to net charge-offs | 250.0000% | 1,176 |
| Earnings coverage of net charge-offs (x) | 334.5730% | 282 |
| Efficiency ratio | 54.7603% | 4,531 |
| Assets per employee ($millions) | 5.9820% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5589% | 5,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 72.8770% | 2,191 |
| Net loans and leases to deposits | 89.1992% | 2,000 |
| Net loans and leases to core deposits | 91.0078% | 2,560 |
| Total domestic deposits to total assets | 81.7014% | 3,690 |
| Equity capital to assets | 17.6530% | 363 |
| Core capital (leverage) ratio | 17.6896% | 358 |
| Tier 1 risk-based capital ratio | 28.1244% | 562 |
| Total risk-based capital ratio | 28.7769% | 587 |
| Memoranda: | ||
| Average total assets | $46,887,500 | 5,049 |
| Average earning assets | $45,561,250 | 4,993 |
| Average equity | $8,196,500 | 4,624 |
| Average total loans | $34,394,250 | 4,755 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 2,234 |
| Cost of funding earning assets | 0.3494% | 4,078 |
| Net interest margin | 4.1084% | 1,531 |
| Noninterest income to average assets | 0.2577% | 4,470 |
| Noninterest expense to average assets | 2.3065% | 4,127 |
| Loan and lease loss provision to assets | 0.0215% | 3,480 |
| Net operating income to assets | 1.5763% | 975 |
| Return on assets (ROA) | 1.5763% | 976 |
| Pretax return on assets | 1.9199% | 737 |
| Return on Equity (ROE) | 9.0476% | 2,992 |
| Retained earnings to average equity (ytd only) | 9.0476% | 1,200 |
| Net charge-offs to loans | 0.0059% | 2,940 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 452.0000% | 200 |
| Efficiency ratio | 54.2973% | 4,662 |
| Assets per employee ($millions) | 5.9225% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5689% | 5,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 72.6699% | 2,174 |
| Net loans and leases to deposits | 88.7786% | 2,011 |
| Net loans and leases to core deposits | 89.9992% | 2,567 |
| Total domestic deposits to total assets | 81.8552% | 3,769 |
| Equity capital to assets | 17.5137% | 365 |
| Core capital (leverage) ratio | 17.6092% | 340 |
| Tier 1 risk-based capital ratio | 28.1431% | 549 |
| Total risk-based capital ratio | 28.8113% | 576 |
| Memoranda: | ||
| Average total assets | $46,564,670 | 5,118 |
| Average earning assets | $45,224,330 | 5,064 |
| Average equity | $8,112,670 | 4,674 |
| Average total loans | $34,168,330 | 4,807 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 2,132 |
| Cost of funding earning assets | 0.3392% | 4,071 |
| Net interest margin | 4.0792% | 1,493 |
| Noninterest income to average assets | 0.2427% | 4,552 |
| Noninterest expense to average assets | 2.3138% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5426% | 973 |
| Return on assets (ROA) | 1.5426% | 981 |
| Pretax return on assets | 1.8892% | 748 |
| Return on Equity (ROE) | 8.8778% | 2,963 |
| Retained earnings to average equity (ytd only) | 8.8778% | 1,506 |
| Net charge-offs to loans | 0.0118% | 2,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 310 |
| Efficiency ratio | 55.0515% | 4,687 |
| Assets per employee ($millions) | 5.8353% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5649% | 5,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 72.4026% | 2,106 |
| Net loans and leases to deposits | 88.3680% | 1,888 |
| Net loans and leases to core deposits | 89.5979% | 2,483 |
| Total domestic deposits to total assets | 81.9331% | 3,983 |
| Equity capital to assets | 17.3707% | 369 |
| Core capital (leverage) ratio | 17.5767% | 334 |
| Tier 1 risk-based capital ratio | 27.9005% | 564 |
| Total risk-based capital ratio | 28.5611% | 589 |
| Memoranda: | ||
| Average total assets | $46,157,000 | 5,183 |
| Average earning assets | $44,812,500 | 5,133 |
| Average equity | $8,020,000 | 4,743 |
| Average total loans | $33,938,500 | 4,867 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 1,947 |
| Cost of funding earning assets | 0.3388% | 3,810 |
| Net interest margin | 4.0889% | 1,482 |
| Noninterest income to average assets | 0.2207% | 4,830 |
| Noninterest expense to average assets | 2.6620% | 3,252 |
| Loan and lease loss provision to assets | 0.0273% | 3,744 |
| Net operating income to assets | 0.9465% | 2,468 |
| Return on assets (ROA) | 0.9465% | 2,493 |
| Pretax return on assets | 1.5130% | 1,589 |
| Return on Equity (ROE) | 5.3531% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.3531% | 1,899 |
| Net charge-offs to loans | 0.0484% | 2,820 |
| Credit loss provision to net charge-offs | 75.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | 42.3125% | 1,212 |
| Efficiency ratio | 63.3460% | 3,709 |
| Assets per employee ($millions) | 5.7040% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5696% | 5,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 73.8363% | 1,944 |
| Net loans and leases to deposits | 89.8145% | 1,799 |
| Net loans and leases to core deposits | 91.0843% | 2,454 |
| Total domestic deposits to total assets | 82.2099% | 3,813 |
| Equity capital to assets | 17.3803% | 364 |
| Core capital (leverage) ratio | 17.3181% | 347 |
| Tier 1 risk-based capital ratio | 27.7056% | 558 |
| Total risk-based capital ratio | 28.3798% | 580 |
| Memoranda: | ||
| Average total assets | $43,951,600 | 5,275 |
| Average earning assets | $42,798,400 | 5,213 |
| Average equity | $7,771,200 | 4,818 |
| Average total loans | $33,051,600 | 4,922 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 1,917 |
| Cost of funding earning assets | 0.3364% | 3,807 |
| Net interest margin | 4.0806% | 1,444 |
| Noninterest income to average assets | 0.2175% | 4,920 |
| Noninterest expense to average assets | 2.3216% | 4,239 |
| Loan and lease loss provision to assets | 0.0214% | 3,721 |
| Net operating income to assets | 1.3170% | 1,281 |
| Return on assets (ROA) | 1.3170% | 1,316 |
| Pretax return on assets | 1.8499% | 783 |
| Return on Equity (ROE) | 7.4156% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.4156% | 1,478 |
| Net charge-offs to loans | 0.0649% | 2,190 |
| Credit loss provision to net charge-offs | 43.7500% | 2,977 |
| Earnings coverage of net charge-offs (x) | 38.1927% | 1,345 |
| Efficiency ratio | 55.3689% | 4,804 |
| Assets per employee ($millions) | 5.7316% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5634% | 5,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 72.3595% | 2,207 |
| Net loans and leases to deposits | 87.9054% | 2,079 |
| Net loans and leases to core deposits | 89.1405% | 2,681 |
| Total domestic deposits to total assets | 82.3152% | 3,679 |
| Equity capital to assets | 17.3271% | 395 |
| Core capital (leverage) ratio | 17.5755% | 333 |
| Tier 1 risk-based capital ratio | 27.6704% | 583 |
| Total risk-based capital ratio | 28.3251% | 607 |
| Memoranda: | ||
| Average total assets | $43,531,500 | 5,340 |
| Average earning assets | $42,410,500 | 5,280 |
| Average equity | $7,731,250 | 4,875 |
| Average total loans | $32,843,000 | 4,978 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 1,664 |
| Cost of funding earning assets | 0.3313% | 3,776 |
| Net interest margin | 4.1197% | 1,271 |
| Noninterest income to average assets | 0.2198% | 4,936 |
| Noninterest expense to average assets | 2.3434% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3658% | 1,140 |
| Return on assets (ROA) | 1.3658% | 1,167 |
| Pretax return on assets | 1.8897% | 677 |
| Return on Equity (ROE) | 7.6240% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.6240% | 1,306 |
| Net charge-offs to loans | 0.0980% | 1,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 25.2500% | 1,612 |
| Efficiency ratio | 55.3591% | 4,889 |
| Assets per employee ($millions) | 5.5410% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5546% | 5,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 73.2178% | 2,002 |
| Net loans and leases to deposits | 89.2359% | 1,834 |
| Net loans and leases to core deposits | 90.5328% | 2,474 |
| Total domestic deposits to total assets | 82.0497% | 3,875 |
| Equity capital to assets | 17.6119% | 350 |
| Core capital (leverage) ratio | 18.0363% | 298 |
| Tier 1 risk-based capital ratio | 27.8533% | 558 |
| Total risk-based capital ratio | 28.4991% | 586 |
| Memoranda: | ||
| Average total assets | $42,757,670 | 5,395 |
| Average earning assets | $41,653,670 | 5,335 |
| Average equity | $7,660,000 | 4,906 |
| Average total loans | $32,668,330 | 5,020 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4662% | 1,455 |
| Cost of funding earning assets | 0.3323% | 3,730 |
| Net interest margin | 4.1339% | 1,135 |
| Noninterest income to average assets | 0.2287% | 4,903 |
| Noninterest expense to average assets | 2.3635% | 4,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3628% | 1,086 |
| Return on assets (ROA) | 1.3628% | 1,123 |
| Pretax return on assets | 1.8965% | 643 |
| Return on Equity (ROE) | 7.5397% | 3,146 |
| Retained earnings to average equity (ytd only) | 7.5397% | 1,635 |
| Net charge-offs to loans | 0.0122% | 2,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 282 |
| Efficiency ratio | 55.4810% | 4,994 |
| Assets per employee ($millions) | 5.3110% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6001% | 5,476 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 4,545 |
| Noncurrent loans to loans | 0.1715% | 4,505 |
| Net loans and leases to total assets | 76.4075% | 1,343 |
| Net loans and leases to deposits | 93.7805% | 1,129 |
| Net loans and leases to core deposits | 95.2107% | 1,875 |
| Total domestic deposits to total assets | 81.4748% | 4,305 |
| Equity capital to assets | 18.0239% | 299 |
| Core capital (leverage) ratio | 18.2873% | 269 |
| Tier 1 risk-based capital ratio | 27.6243% | 585 |
| Total risk-based capital ratio | 28.3313% | 608 |
| Memoranda: | ||
| Average total assets | $41,972,500 | 5,466 |
| Average earning assets | $40,930,000 | 5,407 |
| Average equity | $7,586,500 | 4,957 |
| Average total loans | $32,684,000 | 5,070 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5488% | 1,408 |
| Cost of funding earning assets | 0.3564% | 3,452 |
| Net interest margin | 4.1924% | 1,142 |
| Noninterest income to average assets | 0.2339% | 5,012 |
| Noninterest expense to average assets | 2.6650% | 3,472 |
| Loan and lease loss provision to assets | 0.0195% | 3,986 |
| Net operating income to assets | 1.0548% | 2,114 |
| Return on assets (ROA) | 1.0548% | 2,216 |
| Pretax return on assets | 1.6467% | 1,150 |
| Return on Equity (ROE) | 5.9117% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.9117% | 1,757 |
| Net charge-offs to loans | 0.0282% | 3,464 |
| Credit loss provision to net charge-offs | 88.8889% | 2,817 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 744 |
| Efficiency ratio | 61.5298% | 4,339 |
| Assets per employee ($millions) | 5.1821% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6023% | 5,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 5,178 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.4210% | 1,141 |
| Net loans and leases to deposits | 96.3917% | 961 |
| Net loans and leases to core deposits | 97.8982% | 1,772 |
| Total domestic deposits to total assets | 81.3566% | 4,248 |
| Equity capital to assets | 18.1272% | 296 |
| Core capital (leverage) ratio | 17.6218% | 305 |
| Tier 1 risk-based capital ratio | 27.3064% | 604 |
| Total risk-based capital ratio | 28.0222% | 623 |
| Memoranda: | ||
| Average total assets | $41,050,800 | 5,524 |
| Average earning assets | $40,120,400 | 5,468 |
| Average equity | $7,324,400 | 5,035 |
| Average total loans | $31,925,000 | 5,136 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 1,432 |
| Cost of funding earning assets | 0.3598% | 3,435 |
| Net interest margin | 4.1781% | 1,184 |
| Noninterest income to average assets | 0.2377% | 5,053 |
| Noninterest expense to average assets | 2.4583% | 4,116 |
| Loan and lease loss provision to assets | 0.0261% | 3,720 |
| Net operating income to assets | 1.2926% | 1,312 |
| Return on assets (ROA) | 1.2926% | 1,419 |
| Pretax return on assets | 1.8364% | 828 |
| Return on Equity (ROE) | 7.2741% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.2741% | 1,489 |
| Net charge-offs to loans | 0.0378% | 2,870 |
| Credit loss provision to net charge-offs | 88.8889% | 2,546 |
| Earnings coverage of net charge-offs (x) | 63.5542% | 912 |
| Efficiency ratio | 56.8953% | 4,967 |
| Assets per employee ($millions) | 5.2253% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6056% | 5,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 5,257 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.3480% | 1,300 |
| Net loans and leases to deposits | 94.5852% | 1,197 |
| Net loans and leases to core deposits | 96.0405% | 1,982 |
| Total domestic deposits to total assets | 81.7760% | 4,014 |
| Equity capital to assets | 17.8915% | 353 |
| Core capital (leverage) ratio | 17.7712% | 318 |
| Tier 1 risk-based capital ratio | 27.4097% | 618 |
| Total risk-based capital ratio | 28.1316% | 630 |
| Memoranda: | ||
| Average total assets | $40,949,250 | 5,579 |
| Average earning assets | $40,017,500 | 5,525 |
| Average equity | $7,276,750 | 5,096 |
| Average total loans | $31,729,250 | 5,192 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 1,439 |
| Cost of funding earning assets | 0.3626% | 3,425 |
| Net interest margin | 4.1652% | 1,189 |
| Noninterest income to average assets | 0.2361% | 5,072 |
| Noninterest expense to average assets | 2.5132% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2640% | 1,375 |
| Return on assets (ROA) | 1.2640% | 1,497 |
| Pretax return on assets | 1.7902% | 900 |
| Return on Equity (ROE) | 7.1297% | 3,469 |
| Retained earnings to average equity (ytd only) | 7.1297% | 1,539 |
| Net charge-offs to loans | 0.0064% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 364.0000% | 193 |
| Efficiency ratio | 58.4000% | 4,847 |
| Assets per employee ($millions) | 5.0885% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6161% | 5,658 |
| Loan loss allowance to noncurrent loans | 679.3103% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 5,261 |
| Noncurrent loans to loans | 0.0907% | 5,087 |
| Net loans and leases to total assets | 78.0608% | 1,195 |
| Net loans and leases to deposits | 95.5958% | 1,117 |
| Net loans and leases to core deposits | 97.1209% | 1,879 |
| Total domestic deposits to total assets | 81.6572% | 4,102 |
| Equity capital to assets | 18.0284% | 339 |
| Core capital (leverage) ratio | 17.6029% | 324 |
| Tier 1 risk-based capital ratio | 27.4335% | 621 |
| Total risk-based capital ratio | 28.1699% | 637 |
| Memoranda: | ||
| Average total assets | $40,665,000 | 5,650 |
| Average earning assets | $39,709,670 | 5,595 |
| Average equity | $7,209,330 | 5,157 |
| Average total loans | $31,462,330 | 5,251 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 1,386 |
| Cost of funding earning assets | 0.3628% | 3,473 |
| Net interest margin | 4.1818% | 1,142 |
| Noninterest income to average assets | 0.2559% | 4,906 |
| Noninterest expense to average assets | 2.5785% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2302% | 1,453 |
| Return on assets (ROA) | 1.2302% | 1,564 |
| Pretax return on assets | 1.7617% | 919 |
| Return on Equity (ROE) | 6.9984% | 3,458 |
| Retained earnings to average equity (ytd only) | 6.9984% | 1,888 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4104% | 4,820 |
| Assets per employee ($millions) | 5.0719% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6411% | 5,684 |
| Loan loss allowance to noncurrent loans | 707.1429% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 5,319 |
| Noncurrent loans to loans | 0.0907% | 5,112 |
| Net loans and leases to total assets | 75.6254% | 1,447 |
| Net loans and leases to deposits | 92.2164% | 1,319 |
| Net loans and leases to core deposits | 93.6832% | 2,022 |
| Total domestic deposits to total assets | 82.0086% | 4,226 |
| Equity capital to assets | 17.7622% | 348 |
| Core capital (leverage) ratio | 17.4204% | 337 |
| Tier 1 risk-based capital ratio | 28.0341% | 607 |
| Total risk-based capital ratio | 28.8043% | 625 |
| Memoranda: | ||
| Average total assets | $40,643,500 | 5,704 |
| Average earning assets | $39,696,000 | 5,644 |
| Average equity | $7,144,500 | 5,204 |
| Average total loans | $31,206,500 | 5,302 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4398% | 1,772 |
| Cost of funding earning assets | 0.3878% | 3,284 |
| Net interest margin | 4.0520% | 1,553 |
| Noninterest income to average assets | 0.2842% | 4,856 |
| Noninterest expense to average assets | 2.7743% | 3,334 |
| Loan and lease loss provision to assets | -0.0729% | 5,795 |
| Net operating income to assets | 0.9863% | 2,440 |
| Return on assets (ROA) | 0.9863% | 2,520 |
| Pretax return on assets | 1.5427% | 1,428 |
| Return on Equity (ROE) | 5.8911% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.8911% | 1,846 |
| Net charge-offs to loans | -0.0977% | 5,769 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3692% | 4,012 |
| Assets per employee ($millions) | 4.5236% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6280% | 5,760 |
| Loan loss allowance to noncurrent loans | 230.2326% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 4,759 |
| Noncurrent loans to loans | 0.2728% | 4,475 |
| Net loans and leases to total assets | 76.9601% | 1,258 |
| Net loans and leases to deposits | 93.4057% | 1,262 |
| Net loans and leases to core deposits | 94.8765% | 1,960 |
| Total domestic deposits to total assets | 82.3934% | 4,055 |
| Equity capital to assets | 17.3954% | 370 |
| Core capital (leverage) ratio | 16.9017% | 376 |
| Tier 1 risk-based capital ratio | 27.1196% | 658 |
| Total risk-based capital ratio | 27.8778% | 674 |
| Memoranda: | ||
| Average total assets | $41,162,800 | 5,740 |
| Average earning assets | $40,226,800 | 5,673 |
| Average equity | $6,891,800 | 5,265 |
| Average total loans | $30,707,800 | 5,335 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3988% | 1,921 |
| Cost of funding earning assets | 0.3867% | 3,370 |
| Net interest margin | 4.0122% | 1,658 |
| Noninterest income to average assets | 0.2875% | 4,887 |
| Noninterest expense to average assets | 2.6230% | 3,789 |
| Loan and lease loss provision to assets | -0.0969% | 5,994 |
| Net operating income to assets | 1.1758% | 1,728 |
| Return on assets (ROA) | 1.1758% | 1,802 |
| Pretax return on assets | 1.6830% | 1,153 |
| Return on Equity (ROE) | 7.0909% | 3,571 |
| Retained earnings to average equity (ytd only) | 7.0909% | 1,647 |
| Net charge-offs to loans | -0.1311% | 5,882 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3177% | 4,523 |
| Assets per employee ($millions) | 4.6353% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6227% | 5,861 |
| Loan loss allowance to noncurrent loans | 341.3793% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 5,202 |
| Noncurrent loans to loans | 0.1824% | 4,916 |
| Net loans and leases to total assets | 75.7395% | 1,424 |
| Net loans and leases to deposits | 91.3657% | 1,480 |
| Net loans and leases to core deposits | 92.7550% | 2,192 |
| Total domestic deposits to total assets | 82.8971% | 3,846 |
| Equity capital to assets | 16.8752% | 445 |
| Core capital (leverage) ratio | 16.6769% | 407 |
| Tier 1 risk-based capital ratio | 26.6940% | 717 |
| Total risk-based capital ratio | 27.4447% | 733 |
| Memoranda: | ||
| Average total assets | $41,275,500 | 5,812 |
| Average earning assets | $40,343,000 | 5,741 |
| Average equity | $6,844,250 | 5,337 |
| Average total loans | $30,502,250 | 5,404 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 1,975 |
| Cost of funding earning assets | 0.3832% | 3,446 |
| Net interest margin | 3.9759% | 1,716 |
| Noninterest income to average assets | 0.2820% | 4,937 |
| Noninterest expense to average assets | 2.7475% | 3,423 |
| Loan and lease loss provision to assets | -0.1459% | 6,126 |
| Net operating income to assets | 1.0698% | 2,056 |
| Return on assets (ROA) | 1.0698% | 2,158 |
| Pretax return on assets | 1.5658% | 1,437 |
| Return on Equity (ROE) | 6.4906% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.4906% | 1,952 |
| Net charge-offs to loans | -0.2128% | 6,042 |
| Credit loss provision to net charge-offs | 93.7500% | 2,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9277% | 4,025 |
| Assets per employee ($millions) | 5.1411% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6463% | 5,900 |
| Loan loss allowance to noncurrent loans | 714.2857% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 5,597 |
| Noncurrent loans to loans | 0.0905% | 5,383 |
| Net loans and leases to total assets | 74.7526% | 1,542 |
| Net loans and leases to deposits | 90.0477% | 1,594 |
| Net loans and leases to core deposits | 91.4322% | 2,205 |
| Total domestic deposits to total assets | 83.0144% | 3,953 |
| Equity capital to assets | 16.7668% | 440 |
| Core capital (leverage) ratio | 16.2599% | 436 |
| Tier 1 risk-based capital ratio | 26.8976% | 714 |
| Total risk-based capital ratio | 27.6777% | 731 |
| Memoranda: | ||
| Average total assets | $41,128,000 | 5,878 |
| Average earning assets | $40,192,000 | 5,804 |
| Average equity | $6,779,000 | 5,396 |
| Average total loans | $30,071,330 | 5,470 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 2,108 |
| Cost of funding earning assets | 0.3880% | 3,436 |
| Net interest margin | 3.9094% | 1,862 |
| Noninterest income to average assets | 0.2626% | 5,076 |
| Noninterest expense to average assets | 2.6941% | 3,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8656% | 2,929 |
| Return on assets (ROA) | 0.8656% | 3,045 |
| Pretax return on assets | 1.3908% | 1,922 |
| Return on Equity (ROE) | 5.2972% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.2972% | 2,889 |
| Net charge-offs to loans | 0.0135% | 2,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 143.0000% | 370 |
| Efficiency ratio | 65.9524% | 4,169 |
| Assets per employee ($millions) | 5.1868% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6628% | 5,967 |
| Loan loss allowance to noncurrent loans | 260.5263% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 5,214 |
| Noncurrent loans to loans | 0.2544% | 4,874 |
| Net loans and leases to total assets | 71.5164% | 1,890 |
| Net loans and leases to deposits | 85.9821% | 1,836 |
| Net loans and leases to core deposits | 87.2871% | 2,403 |
| Total domestic deposits to total assets | 83.1759% | 4,130 |
| Equity capital to assets | 16.3036% | 505 |
| Core capital (leverage) ratio | 16.1456% | 446 |
| Tier 1 risk-based capital ratio | 26.1439% | 776 |
| Total risk-based capital ratio | 26.9091% | 803 |
| Memoranda: | ||
| Average total assets | $41,127,500 | 5,936 |
| Average earning assets | $40,210,500 | 5,860 |
| Average equity | $6,720,500 | 5,457 |
| Average total loans | $29,634,500 | 5,530 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 2,360 |
| Cost of funding earning assets | 0.4146% | 3,547 |
| Net interest margin | 3.9481% | 2,056 |
| Noninterest income to average assets | 0.2910% | 5,035 |
| Noninterest expense to average assets | 2.4864% | 4,591 |
| Loan and lease loss provision to assets | 0.0753% | 2,978 |
| Net operating income to assets | 0.9910% | 2,426 |
| Return on assets (ROA) | 0.9910% | 2,502 |
| Pretax return on assets | 1.5756% | 1,305 |
| Return on Equity (ROE) | 6.0639% | 4,112 |
| Retained earnings to average equity (ytd only) | 6.0639% | 1,888 |
| Net charge-offs to loans | 0.1358% | 2,661 |
| Credit loss provision to net charge-offs | 76.9231% | 2,926 |
| Earnings coverage of net charge-offs (x) | 16.8718% | 1,976 |
| Efficiency ratio | 60.0970% | 5,213 |
| Assets per employee ($millions) | 5.0951% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6736% | 6,040 |
| Loan loss allowance to noncurrent loans | 353.5714% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 5,486 |
| Noncurrent loans to loans | 0.1905% | 5,141 |
| Net loans and leases to total assets | 71.6322% | 1,967 |
| Net loans and leases to deposits | 86.0689% | 1,975 |
| Net loans and leases to core deposits | 87.3956% | 2,566 |
| Total domestic deposits to total assets | 83.2266% | 4,000 |
| Equity capital to assets | 16.3784% | 491 |
| Core capital (leverage) ratio | 16.3784% | 425 |
| Tier 1 risk-based capital ratio | 26.5849% | 713 |
| Total risk-based capital ratio | 27.3734% | 735 |
| Memoranda: | ||
| Average total assets | $39,857,600 | 6,036 |
| Average earning assets | $38,828,600 | 5,955 |
| Average equity | $6,514,000 | 5,520 |
| Average total loans | $28,726,800 | 5,619 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3516% | 2,415 |
| Cost of funding earning assets | 0.4182% | 3,597 |
| Net interest margin | 3.9334% | 2,100 |
| Noninterest income to average assets | 0.2792% | 5,204 |
| Noninterest expense to average assets | 2.2406% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3087% | 1,346 |
| Return on assets (ROA) | 1.3087% | 1,403 |
| Pretax return on assets | 1.8671% | 768 |
| Return on Equity (ROE) | 8.0119% | 3,197 |
| Retained earnings to average equity (ytd only) | 8.0119% | 1,356 |
| Net charge-offs to loans | 0.0280% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 92.4975% | 626 |
| Efficiency ratio | 54.5455% | 5,773 |
| Assets per employee ($millions) | 5.1195% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6791% | 6,129 |
| Loan loss allowance to noncurrent loans | 242.1687% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 5,413 |
| Noncurrent loans to loans | 0.2804% | 5,071 |
| Net loans and leases to total assets | 71.7770% | 1,886 |
| Net loans and leases to deposits | 86.1880% | 1,887 |
| Net loans and leases to core deposits | 88.1892% | 2,404 |
| Total domestic deposits to total assets | 83.2796% | 4,040 |
| Equity capital to assets | 16.2858% | 523 |
| Core capital (leverage) ratio | 16.2858% | 444 |
| Tier 1 risk-based capital ratio | 26.3106% | 759 |
| Total risk-based capital ratio | 27.1035% | 778 |
| Memoranda: | ||
| Average total assets | $39,631,750 | 6,118 |
| Average earning assets | $38,574,500 | 6,036 |
| Average equity | $6,473,500 | 5,586 |
| Average total loans | $28,559,500 | 5,682 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 2,304 |
| Cost of funding earning assets | 0.4200% | 3,656 |
| Net interest margin | 3.9484% | 1,979 |
| Noninterest income to average assets | 0.2654% | 5,304 |
| Noninterest expense to average assets | 2.2710% | 5,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3115% | 1,276 |
| Return on assets (ROA) | 1.3115% | 1,326 |
| Pretax return on assets | 1.8321% | 793 |
| Return on Equity (ROE) | 8.0212% | 3,079 |
| Retained earnings to average equity (ytd only) | 8.0212% | 1,321 |
| Net charge-offs to loans | 0.0142% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 179.5000% | 350 |
| Efficiency ratio | 55.3483% | 5,802 |
| Assets per employee ($millions) | 5.0388% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7169% | 6,145 |
| Loan loss allowance to noncurrent loans | 235.6322% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 5,473 |
| Noncurrent loans to loans | 0.3042% | 5,100 |
| Net loans and leases to total assets | 70.4292% | 2,013 |
| Net loans and leases to deposits | 84.5268% | 1,979 |
| Net loans and leases to core deposits | 87.6153% | 2,354 |
| Total domestic deposits to total assets | 83.3218% | 4,181 |
| Equity capital to assets | 16.2193% | 513 |
| Core capital (leverage) ratio | 16.2193% | 444 |
| Tier 1 risk-based capital ratio | 26.7294% | 718 |
| Total risk-based capital ratio | 27.5675% | 733 |
| Memoranda: | ||
| Average total assets | $39,190,330 | 6,194 |
| Average earning assets | $38,091,330 | 6,107 |
| Average equity | $6,408,000 | 5,632 |
| Average total loans | $28,213,330 | 5,736 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4036% | 2,123 |
| Cost of funding earning assets | 0.4382% | 3,553 |
| Net interest margin | 3.9654% | 1,871 |
| Noninterest income to average assets | 0.2278% | 5,529 |
| Noninterest expense to average assets | 2.2573% | 5,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2840% | 1,257 |
| Return on assets (ROA) | 1.2840% | 1,304 |
| Pretax return on assets | 1.8120% | 787 |
| Return on Equity (ROE) | 7.8196% | 3,032 |
| Retained earnings to average equity (ytd only) | 7.8196% | 1,677 |
| Net charge-offs to loans | 0.0143% | 3,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 286 |
| Efficiency ratio | 55.4707% | 5,878 |
| Assets per employee ($millions) | 4.8703% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 6,231 |
| Loan loss allowance to noncurrent loans | 245.2381% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 5,565 |
| Noncurrent loans to loans | 0.2974% | 5,222 |
| Net loans and leases to total assets | 71.9753% | 1,581 |
| Net loans and leases to deposits | 86.6140% | 1,521 |
| Net loans and leases to core deposits | 89.8929% | 1,916 |
| Total domestic deposits to total assets | 83.0989% | 4,577 |
| Equity capital to assets | 16.4391% | 470 |
| Core capital (leverage) ratio | 16.4391% | 428 |
| Tier 1 risk-based capital ratio | 26.9016% | 719 |
| Total risk-based capital ratio | 27.7668% | 734 |
| Memoranda: | ||
| Average total assets | $38,630,500 | 6,268 |
| Average earning assets | $37,424,000 | 6,188 |
| Average equity | $6,343,000 | 5,679 |
| Average total loans | $28,022,500 | 5,797 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,897 |
| Cost of funding earning assets | 0.4985% | 3,630 |
| Net interest margin | 4.0953% | 1,655 |
| Noninterest income to average assets | 0.2933% | 5,252 |
| Noninterest expense to average assets | 2.6159% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1146% | 1,884 |
| Return on assets (ROA) | 1.1146% | 1,954 |
| Pretax return on assets | 1.6426% | 1,068 |
| Return on Equity (ROE) | 6.8437% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.8437% | 1,509 |
| Net charge-offs to loans | 0.0036% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 616.0000% | 61 |
| Efficiency ratio | 61.4277% | 5,302 |
| Assets per employee ($millions) | 4.7874% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 6,283 |
| Loan loss allowance to noncurrent loans | 667.7419% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 6,103 |
| Noncurrent loans to loans | 0.1115% | 5,871 |
| Net loans and leases to total assets | 72.0358% | 1,671 |
| Net loans and leases to deposits | 86.6325% | 1,616 |
| Net loans and leases to core deposits | 89.9602% | 2,032 |
| Total domestic deposits to total assets | 83.1510% | 4,493 |
| Equity capital to assets | 16.3999% | 461 |
| Core capital (leverage) ratio | 16.3999% | 424 |
| Tier 1 risk-based capital ratio | 26.7299% | 710 |
| Total risk-based capital ratio | 27.6109% | 722 |
| Memoranda: | ||
| Average total assets | $37,501,000 | 6,347 |
| Average earning assets | $36,309,600 | 6,278 |
| Average equity | $6,107,800 | 5,791 |
| Average total loans | $27,911,600 | 5,849 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6337% | 1,786 |
| Cost of funding earning assets | 0.5058% | 3,719 |
| Net interest margin | 4.1279% | 1,547 |
| Noninterest income to average assets | 0.2931% | 5,353 |
| Noninterest expense to average assets | 2.3090% | 5,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4726% | 944 |
| Return on assets (ROA) | 1.4726% | 995 |
| Pretax return on assets | 1.9802% | 598 |
| Return on Equity (ROE) | 9.0580% | 2,603 |
| Retained earnings to average equity (ytd only) | 9.0580% | 1,040 |
| Net charge-offs to loans | 0.0048% | 5,091 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 555.3759% | 103 |
| Efficiency ratio | 53.8333% | 6,115 |
| Assets per employee ($millions) | 4.6985% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7695% | 6,331 |
| Loan loss allowance to noncurrent loans | 713.7931% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 6,206 |
| Noncurrent loans to loans | 0.1078% | 6,010 |
| Net loans and leases to total assets | 71.0173% | 1,775 |
| Net loans and leases to deposits | 85.7639% | 1,642 |
| Net loans and leases to core deposits | 89.1315% | 2,060 |
| Total domestic deposits to total assets | 82.8057% | 4,650 |
| Equity capital to assets | 16.6942% | 451 |
| Core capital (leverage) ratio | 16.6942% | 416 |
| Tier 1 risk-based capital ratio | 27.1246% | 691 |
| Total risk-based capital ratio | 28.0194% | 712 |
| Memoranda: | ||
| Average total assets | $37,301,500 | 6,425 |
| Average earning assets | $36,111,000 | 6,352 |
| Average equity | $6,064,500 | 5,878 |
| Average total loans | $27,940,500 | 5,910 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6939% | 1,586 |
| Cost of funding earning assets | 0.5222% | 3,684 |
| Net interest margin | 4.1718% | 1,355 |
| Noninterest income to average assets | 0.2688% | 5,530 |
| Noninterest expense to average assets | 2.2792% | 5,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4191% | 1,038 |
| Return on assets (ROA) | 1.4191% | 1,125 |
| Pretax return on assets | 2.0266% | 574 |
| Return on Equity (ROE) | 8.8083% | 2,708 |
| Retained earnings to average equity (ytd only) | 8.8083% | 1,185 |
| Net charge-offs to loans | 0.0071% | 4,747 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 377.0000% | 134 |
| Efficiency ratio | 52.9338% | 6,225 |
| Assets per employee ($millions) | 4.6724% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7300% | 6,457 |
| Loan loss allowance to noncurrent loans | 608.8235% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 6,218 |
| Noncurrent loans to loans | 0.1199% | 6,031 |
| Net loans and leases to total assets | 75.3070% | 1,067 |
| Net loans and leases to deposits | 90.6716% | 1,083 |
| Net loans and leases to core deposits | 93.4500% | 1,573 |
| Total domestic deposits to total assets | 83.0547% | 4,681 |
| Equity capital to assets | 16.3916% | 478 |
| Core capital (leverage) ratio | 16.3916% | 424 |
| Tier 1 risk-based capital ratio | 25.5153% | 817 |
| Total risk-based capital ratio | 26.3774% | 846 |
| Memoranda: | ||
| Average total assets | $37,206,000 | 6,477 |
| Average earning assets | $36,004,000 | 6,401 |
| Average equity | $5,994,330 | 5,938 |
| Average total loans | $28,287,000 | 5,923 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7028% | 1,529 |
| Cost of funding earning assets | 0.5461% | 3,609 |
| Net interest margin | 4.1567% | 1,308 |
| Noninterest income to average assets | 0.2478% | 5,687 |
| Noninterest expense to average assets | 2.2630% | 5,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4009% | 1,020 |
| Return on assets (ROA) | 1.4009% | 1,110 |
| Pretax return on assets | 2.0043% | 589 |
| Return on Equity (ROE) | 8.7719% | 2,595 |
| Retained earnings to average equity (ytd only) | 8.7719% | 1,460 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0303% | 6,305 |
| Assets per employee ($millions) | 4.6760% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7415% | 6,535 |
| Loan loss allowance to noncurrent loans | 693.3333% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 6,350 |
| Noncurrent loans to loans | 0.1070% | 6,161 |
| Net loans and leases to total assets | 74.4279% | 1,021 |
| Net loans and leases to deposits | 89.3259% | 1,020 |
| Net loans and leases to core deposits | 92.0458% | 1,500 |
| Total domestic deposits to total assets | 83.3217% | 4,750 |
| Equity capital to assets | 16.0206% | 559 |
| Core capital (leverage) ratio | 16.0206% | 455 |
| Tier 1 risk-based capital ratio | 25.1458% | 870 |
| Total risk-based capital ratio | 26.0185% | 906 |
| Memoranda: | ||
| Average total assets | $37,119,500 | 6,542 |
| Average earning assets | $35,893,500 | 6,470 |
| Average equity | $5,928,000 | 6,006 |
| Average total loans | $28,252,500 | 5,971 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1080% | 1,297 |
| Cost of funding earning assets | 0.6731% | 3,710 |
| Net interest margin | 4.4348% | 1,076 |
| Noninterest income to average assets | 0.3688% | 4,839 |
| Noninterest expense to average assets | 2.6006% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2156% | 1,549 |
| Return on assets (ROA) | 1.2156% | 1,715 |
| Pretax return on assets | 2.0515% | 547 |
| Return on Equity (ROE) | 7.8284% | 3,172 |
| Retained earnings to average equity (ytd only) | 7.8284% | 1,186 |
| Net charge-offs to loans | 0.0410% | 5,346 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 62.5833% | 574 |
| Efficiency ratio | 55.9014% | 6,067 |
| Assets per employee ($millions) | 4.6039% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 6,597 |
| Loan loss allowance to noncurrent loans | 693.3333% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 6,398 |
| Noncurrent loans to loans | 0.1054% | 6,222 |
| Net loans and leases to total assets | 76.6935% | 835 |
| Net loans and leases to deposits | 91.8094% | 928 |
| Net loans and leases to core deposits | 94.6330% | 1,417 |
| Total domestic deposits to total assets | 83.5356% | 4,525 |
| Equity capital to assets | 15.9187% | 565 |
| Core capital (leverage) ratio | 15.9187% | 467 |
| Tier 1 risk-based capital ratio | 24.4567% | 912 |
| Total risk-based capital ratio | 25.3202% | 944 |
| Memoranda: | ||
| Average total assets | $36,607,600 | 6,593 |
| Average earning assets | $35,356,600 | 6,522 |
| Average equity | $5,684,400 | 6,106 |
| Average total loans | $29,294,400 | 5,984 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1948% | 1,209 |
| Cost of funding earning assets | 0.7065% | 3,704 |
| Net interest margin | 4.4883% | 1,014 |
| Noninterest income to average assets | 0.3903% | 4,707 |
| Noninterest expense to average assets | 2.3272% | 5,604 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5576% | 936 |
| Return on assets (ROA) | 1.5576% | 1,035 |
| Pretax return on assets | 2.3965% | 347 |
| Return on Equity (ROE) | 10.0948% | 2,305 |
| Retained earnings to average equity (ytd only) | 10.0948% | 890 |
| Net charge-offs to loans | 0.0542% | 4,894 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 54.7488% | 704 |
| Efficiency ratio | 49.2664% | 6,645 |
| Assets per employee ($millions) | 4.6016% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 6,698 |
| Loan loss allowance to noncurrent loans | 693.3333% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 6,532 |
| Noncurrent loans to loans | 0.1069% | 6,350 |
| Net loans and leases to total assets | 75.6526% | 1,020 |
| Net loans and leases to deposits | 90.5073% | 1,097 |
| Net loans and leases to core deposits | 93.2811% | 1,653 |
| Total domestic deposits to total assets | 83.5873% | 4,395 |
| Equity capital to assets | 15.8775% | 631 |
| Core capital (leverage) ratio | 15.8775% | 491 |
| Tier 1 risk-based capital ratio | 24.2481% | 988 |
| Total risk-based capital ratio | 25.1110% | 1,020 |
| Memoranda: | ||
| Average total assets | $36,551,750 | 6,676 |
| Average earning assets | $35,290,750 | 6,601 |
| Average equity | $5,639,750 | 6,183 |
| Average total loans | $29,504,250 | 6,047 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3205% | 1,007 |
| Cost of funding earning assets | 0.7552% | 3,565 |
| Net interest margin | 4.5653% | 880 |
| Noninterest income to average assets | 0.4278% | 4,451 |
| Noninterest expense to average assets | 2.3201% | 5,677 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6729% | 714 |
| Return on assets (ROA) | 1.6729% | 800 |
| Pretax return on assets | 2.5175% | 291 |
| Return on Equity (ROE) | 10.9489% | 2,009 |
| Retained earnings to average equity (ytd only) | 10.9489% | 757 |
| Net charge-offs to loans | 0.0667% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 45.9000% | 785 |
| Efficiency ratio | 47.9592% | 6,776 |
| Assets per employee ($millions) | 4.5716% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7294% | 6,790 |
| Loan loss allowance to noncurrent loans | 677.4194% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 6,596 |
| Noncurrent loans to loans | 0.1077% | 6,399 |
| Net loans and leases to total assets | 78.1423% | 702 |
| Net loans and leases to deposits | 93.2492% | 833 |
| Net loans and leases to core deposits | 96.1123% | 1,420 |
| Total domestic deposits to total assets | 83.7995% | 4,402 |
| Equity capital to assets | 15.6482% | 653 |
| Core capital (leverage) ratio | 15.6482% | 508 |
| Tier 1 risk-based capital ratio | 23.5573% | 1,068 |
| Total risk-based capital ratio | 24.4217% | 1,092 |
| Memoranda: | ||
| Average total assets | $36,464,670 | 6,723 |
| Average earning assets | $35,222,330 | 6,651 |
| Average equity | $5,571,330 | 6,224 |
| Average total loans | $29,986,330 | 6,068 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4433% | 846 |
| Cost of funding earning assets | 0.8199% | 3,318 |
| Net interest margin | 4.6234% | 788 |
| Noninterest income to average assets | 0.4284% | 4,467 |
| Noninterest expense to average assets | 2.3400% | 5,663 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7028% | 717 |
| Return on assets (ROA) | 1.7028% | 799 |
| Pretax return on assets | 2.5487% | 314 |
| Return on Equity (ROE) | 11.2820% | 1,910 |
| Retained earnings to average equity (ytd only) | 11.2820% | 969 |
| Net charge-offs to loans | 0.1177% | 3,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 25.7778% | 1,019 |
| Efficiency ratio | 47.8652% | 6,816 |
| Assets per employee ($millions) | 4.4806% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7039% | 6,869 |
| Loan loss allowance to noncurrent loans | 680.6452% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 6,669 |
| Noncurrent loans to loans | 0.1034% | 6,501 |
| Net loans and leases to total assets | 83.0353% | 219 |
| Net loans and leases to deposits | 99.0713% | 400 |
| Net loans and leases to core deposits | 102.1624% | 858 |
| Total domestic deposits to total assets | 83.8136% | 4,584 |
| Equity capital to assets | 15.5475% | 651 |
| Core capital (leverage) ratio | 15.5475% | 526 |
| Tier 1 risk-based capital ratio | 22.2840% | 1,241 |
| Total risk-based capital ratio | 23.1277% | 1,280 |
| Memoranda: | ||
| Average total assets | $36,410,500 | 6,783 |
| Average earning assets | $35,126,000 | 6,704 |
| Average equity | $5,495,500 | 6,281 |
| Average total loans | $30,585,000 | 6,084 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7614% | 691 |
| Cost of funding earning assets | 1.1743% | 2,194 |
| Net interest margin | 4.5870% | 947 |
| Noninterest income to average assets | 0.4105% | 4,531 |
| Noninterest expense to average assets | 2.5162% | 5,414 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4801% | 866 |
| Return on assets (ROA) | 1.4801% | 941 |
| Pretax return on assets | 2.3123% | 287 |
| Return on Equity (ROE) | 10.2033% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.2033% | 520 |
| Net charge-offs to loans | -0.0032% | 6,816 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1110% | 6,691 |
| Assets per employee ($millions) | 4.6220% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7052% | 6,899 |
| Loan loss allowance to noncurrent loans | 709.6774% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 6,604 |
| Noncurrent loans to loans | 0.0994% | 6,563 |
| Net loans and leases to total assets | 83.7706% | 217 |
| Net loans and leases to deposits | 103.5988% | 319 |
| Net loans and leases to core deposits | 105.9264% | 793 |
| Total domestic deposits to total assets | 80.8606% | 5,490 |
| Equity capital to assets | 14.6527% | 857 |
| Core capital (leverage) ratio | 14.6527% | 675 |
| Tier 1 risk-based capital ratio | 24.2949% | 943 |
| Total risk-based capital ratio | 25.2814% | 952 |
| Memoranda: | ||
| Average total assets | $35,808,000 | 6,802 |
| Average earning assets | $34,488,400 | 6,732 |
| Average equity | $5,194,400 | 6,390 |
| Average total loans | $31,538,400 | 6,095 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8082% | 690 |
| Cost of funding earning assets | 1.2084% | 2,271 |
| Net interest margin | 4.5997% | 944 |
| Noninterest income to average assets | 0.4129% | 4,563 |
| Noninterest expense to average assets | 2.1623% | 6,364 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8658% | 455 |
| Return on assets (ROA) | 1.8658% | 491 |
| Pretax return on assets | 2.6804% | 182 |
| Return on Equity (ROE) | 12.8958% | 1,305 |
| Retained earnings to average equity (ytd only) | 12.8958% | 390 |
| Net charge-offs to loans | -0.0042% | 6,704 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6512% | 7,121 |
| Assets per employee ($millions) | 4.5098% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6927% | 6,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 6,920 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 87.4217% | 94 |
| Net loans and leases to deposits | 110.5464% | 169 |
| Net loans and leases to core deposits | 113.1439% | 573 |
| Total domestic deposits to total assets | 79.0814% | 5,969 |
| Equity capital to assets | 14.9260% | 870 |
| Core capital (leverage) ratio | 14.9260% | 683 |
| Tier 1 risk-based capital ratio | 23.8179% | 1,036 |
| Total risk-based capital ratio | 24.7910% | 1,048 |
| Memoranda: | ||
| Average total assets | $35,516,000 | 6,876 |
| Average earning assets | $34,204,000 | 6,801 |
| Average equity | $5,138,500 | 6,455 |
| Average total loans | $31,624,250 | 6,158 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8367% | 668 |
| Cost of funding earning assets | 1.2285% | 2,393 |
| Net interest margin | 4.6082% | 894 |
| Noninterest income to average assets | 0.4019% | 4,668 |
| Noninterest expense to average assets | 2.2022% | 6,380 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9135% | 397 |
| Return on assets (ROA) | 1.9135% | 427 |
| Pretax return on assets | 2.6381% | 203 |
| Return on Equity (ROE) | 13.3694% | 1,120 |
| Retained earnings to average equity (ytd only) | 13.3694% | 366 |
| Net charge-offs to loans | -0.0063% | 6,618 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4971% | 7,177 |
| Assets per employee ($millions) | 4.4156% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 7,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 6,967 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 89.0361% | 58 |
| Net loans and leases to deposits | 115.5686% | 114 |
| Net loans and leases to core deposits | 117.8772% | 478 |
| Total domestic deposits to total assets | 77.0418% | 6,443 |
| Equity capital to assets | 14.7941% | 867 |
| Core capital (leverage) ratio | 14.7941% | 706 |
| Tier 1 risk-based capital ratio | 23.4834% | 1,066 |
| Total risk-based capital ratio | 24.4720% | 1,072 |
| Memoranda: | ||
| Average total assets | $35,328,670 | 6,942 |
| Average earning assets | $34,026,000 | 6,869 |
| Average equity | $5,056,330 | 6,514 |
| Average total loans | $31,579,000 | 6,220 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8416% | 679 |
| Cost of funding earning assets | 1.2342% | 2,602 |
| Net interest margin | 4.6075% | 851 |
| Noninterest income to average assets | 0.3963% | 4,729 |
| Noninterest expense to average assets | 2.2190% | 6,380 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8907% | 410 |
| Return on assets (ROA) | 1.8907% | 434 |
| Pretax return on assets | 2.6153% | 216 |
| Return on Equity (ROE) | 13.4366% | 1,104 |
| Retained earnings to average equity (ytd only) | 13.4366% | 527 |
| Net charge-offs to loans | -0.0127% | 6,438 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9016% | 7,208 |
| Assets per employee ($millions) | 4.4478% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6944% | 7,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 7,037 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 88.4183% | 71 |
| Net loans and leases to deposits | 117.8447% | 104 |
| Net loans and leases to core deposits | 123.9940% | 342 |
| Total domestic deposits to total assets | 75.0295% | 6,785 |
| Equity capital to assets | 14.2066% | 945 |
| Core capital (leverage) ratio | 14.2066% | 803 |
| Tier 1 risk-based capital ratio | 22.4837% | 1,149 |
| Total risk-based capital ratio | 23.4622% | 1,167 |
| Memoranda: | ||
| Average total assets | $35,330,500 | 6,994 |
| Average earning assets | $34,031,500 | 6,917 |
| Average equity | $4,971,500 | 6,580 |
| Average total loans | $31,532,500 | 6,268 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0089% | 834 |
| Cost of funding earning assets | 1.6361% | 1,882 |
| Net interest margin | 4.3729% | 1,581 |
| Noninterest income to average assets | 0.3646% | 5,191 |
| Noninterest expense to average assets | 2.3118% | 6,322 |
| Loan and lease loss provision to assets | 0.0781% | 6,377 |
| Net operating income to assets | 1.2818% | 1,223 |
| Return on assets (ROA) | 1.2818% | 1,279 |
| Pretax return on assets | 2.1816% | 336 |
| Return on Equity (ROE) | 9.4452% | 2,132 |
| Retained earnings to average equity (ytd only) | 9.4452% | 611 |
| Net charge-offs to loans | -0.0032% | 7,246 |
| Credit loss provision to net charge-offs | -2,700.0000% | 7,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5696% | 7,082 |
| Assets per employee ($millions) | 4.3849% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6978% | 7,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 7,041 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 88.8423% | 77 |
| Net loans and leases to deposits | 120.3421% | 115 |
| Net loans and leases to core deposits | 126.7952% | 376 |
| Total domestic deposits to total assets | 73.8248% | 6,915 |
| Equity capital to assets | 13.9343% | 1,054 |
| Core capital (leverage) ratio | 13.9343% | 858 |
| Tier 1 risk-based capital ratio | 21.9646% | 1,181 |
| Total risk-based capital ratio | 22.9487% | 1,194 |
| Memoranda: | ||
| Average total assets | $34,562,000 | 7,054 |
| Average earning assets | $33,250,600 | 6,973 |
| Average equity | $4,690,200 | 6,760 |
| Average total loans | $30,952,600 | 6,358 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9959% | 946 |
| Cost of funding earning assets | 1.6550% | 2,074 |
| Net interest margin | 4.3409% | 1,711 |
| Noninterest income to average assets | 0.3717% | 5,180 |
| Noninterest expense to average assets | 2.0794% | 6,892 |
| Loan and lease loss provision to assets | 0.1046% | 5,988 |
| Net operating income to assets | 1.5373% | 852 |
| Return on assets (ROA) | 1.5373% | 932 |
| Pretax return on assets | 2.3620% | 290 |
| Return on Equity (ROE) | 11.4059% | 1,675 |
| Retained earnings to average equity (ytd only) | 11.4059% | 541 |
| Net charge-offs to loans | -0.0043% | 7,202 |
| Credit loss provision to net charge-offs | -2,700.0000% | 7,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7411% | 7,391 |
| Assets per employee ($millions) | 5.0429% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6850% | 7,218 |
| Loan loss allowance to noncurrent loans | 214.7059% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 6,645 |
| Noncurrent loans to loans | 0.3190% | 6,556 |
| Net loans and leases to total assets | 89.9490% | 61 |
| Net loans and leases to deposits | 126.9978% | 80 |
| Net loans and leases to core deposits | 132.6316% | 341 |
| Total domestic deposits to total assets | 70.8272% | 7,229 |
| Equity capital to assets | 13.7167% | 1,268 |
| Core capital (leverage) ratio | 13.7167% | 989 |
| Tier 1 risk-based capital ratio | 21.4799% | 1,288 |
| Total risk-based capital ratio | 22.4514% | 1,303 |
| Memoranda: | ||
| Average total assets | $34,432,750 | 7,148 |
| Average earning assets | $33,110,750 | 7,060 |
| Average equity | $4,640,750 | 6,862 |
| Average total loans | $30,844,750 | 6,443 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9027% | 1,174 |
| Cost of funding earning assets | 1.6586% | 2,335 |
| Net interest margin | 4.2441% | 1,989 |
| Noninterest income to average assets | 0.3749% | 5,129 |
| Noninterest expense to average assets | 2.1439% | 6,782 |
| Loan and lease loss provision to assets | 0.1582% | 5,307 |
| Net operating income to assets | 1.5288% | 854 |
| Return on assets (ROA) | 1.5288% | 913 |
| Pretax return on assets | 2.1497% | 447 |
| Return on Equity (ROE) | 11.4132% | 1,623 |
| Retained earnings to average equity (ytd only) | 11.4132% | 579 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1579% | 7,343 |
| Assets per employee ($millions) | 4.4213% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6974% | 7,255 |
| Loan loss allowance to noncurrent loans | 56.3307% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.0941% | 4,942 |
| Noncurrent loans to loans | 1.2381% | 4,903 |
| Net loans and leases to total assets | 87.7580% | 143 |
| Net loans and leases to deposits | 129.4898% | 75 |
| Net loans and leases to core deposits | 135.4689% | 338 |
| Total domestic deposits to total assets | 67.7721% | 7,437 |
| Equity capital to assets | 13.3051% | 1,436 |
| Core capital (leverage) ratio | 13.3051% | 1,115 |
| Tier 1 risk-based capital ratio | 21.1031% | 1,322 |
| Total risk-based capital ratio | 22.0807% | 1,341 |
| Memoranda: | ||
| Average total assets | $34,143,670 | 7,207 |
| Average earning assets | $32,798,670 | 7,124 |
| Average equity | $4,573,670 | 6,913 |
| Average total loans | $30,469,330 | 6,504 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9545% | 1,066 |
| Cost of funding earning assets | 1.6906% | 2,440 |
| Net interest margin | 4.2638% | 1,808 |
| Noninterest income to average assets | 0.3340% | 5,468 |
| Noninterest expense to average assets | 2.2189% | 6,636 |
| Loan and lease loss provision to assets | 0.0835% | 5,802 |
| Net operating income to assets | 1.4912% | 904 |
| Return on assets (ROA) | 1.4912% | 979 |
| Pretax return on assets | 2.1234% | 481 |
| Return on Equity (ROE) | 11.0926% | 1,761 |
| Retained earnings to average equity (ytd only) | 11.0926% | 901 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1348% | 7,308 |
| Assets per employee ($millions) | 4.1850% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6613% | 7,413 |
| Loan loss allowance to noncurrent loans | 92.5234% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 5,922 |
| Noncurrent loans to loans | 0.7147% | 5,902 |
| Net loans and leases to total assets | 88.8441% | 100 |
| Net loans and leases to deposits | 128.1284% | 87 |
| Net loans and leases to core deposits | 132.5830% | 428 |
| Total domestic deposits to total assets | 69.3399% | 7,454 |
| Equity capital to assets | 13.6499% | 1,270 |
| Core capital (leverage) ratio | 13.6499% | 1,044 |
| Tier 1 risk-based capital ratio | 21.6752% | 1,242 |
| Total risk-based capital ratio | 22.6143% | 1,263 |
| Memoranda: | ||
| Average total assets | $33,530,500 | 7,327 |
| Average earning assets | $32,177,500 | 7,242 |
| Average equity | $4,507,500 | 7,000 |
| Average total loans | $30,075,000 | 6,602 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1394% | 1,406 |
| Cost of funding earning assets | 1.9704% | 3,099 |
| Net interest margin | 4.1690% | 2,186 |
| Noninterest income to average assets | 0.3798% | 5,375 |
| Noninterest expense to average assets | 2.6017% | 5,794 |
| Loan and lease loss provision to assets | 0.1804% | 5,895 |
| Net operating income to assets | 1.0318% | 1,737 |
| Return on assets (ROA) | 1.0318% | 1,779 |
| Pretax return on assets | 1.5889% | 986 |
| Return on Equity (ROE) | 7.5881% | 2,544 |
| Retained earnings to average equity (ytd only) | 7.5881% | 808 |
| Net charge-offs to loans | 0.1285% | 5,912 |
| Credit loss provision to net charge-offs | 158.3333% | 2,835 |
| Earnings coverage of net charge-offs (x) | 15.5278% | 1,303 |
| Efficiency ratio | 59.5221% | 6,555 |
| Assets per employee ($millions) | 4.1976% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6323% | 7,510 |
| Loan loss allowance to noncurrent loans | 181.9048% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 6,657 |
| Noncurrent loans to loans | 0.3476% | 6,584 |
| Net loans and leases to total assets | 89.3839% | 111 |
| Net loans and leases to deposits | 131.7127% | 84 |
| Net loans and leases to core deposits | 167.5748% | 260 |
| Total domestic deposits to total assets | 67.8628% | 7,557 |
| Equity capital to assets | 13.2367% | 1,419 |
| Core capital (leverage) ratio | 13.2367% | 1,177 |
| Tier 1 risk-based capital ratio | 21.0096% | 1,291 |
| Total risk-based capital ratio | 21.9124% | 1,317 |
| Memoranda: | ||
| Average total assets | $31,594,800 | 7,420 |
| Average earning assets | $30,247,400 | 7,345 |
| Average equity | $4,296,200 | 7,174 |
| Average total loans | $28,013,600 | 6,740 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1761% | 1,431 |
| Cost of funding earning assets | 2.0169% | 3,270 |
| Net interest margin | 4.1592% | 2,183 |
| Noninterest income to average assets | 0.3687% | 5,562 |
| Noninterest expense to average assets | 2.5038% | 6,056 |
| Loan and lease loss provision to assets | 0.1158% | 6,208 |
| Net operating income to assets | 1.1276% | 1,645 |
| Return on assets (ROA) | 1.1276% | 1,717 |
| Pretax return on assets | 1.7278% | 916 |
| Return on Equity (ROE) | 8.2334% | 2,542 |
| Retained earnings to average equity (ytd only) | 8.2334% | 1,067 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5937% | 6,774 |
| Assets per employee ($millions) | 3.9733% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6511% | 7,484 |
| Loan loss allowance to noncurrent loans | 159.4828% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 6,660 |
| Noncurrent loans to loans | 0.4083% | 6,517 |
| Net loans and leases to total assets | 88.8064% | 162 |
| Net loans and leases to deposits | 127.5093% | 123 |
| Net loans and leases to core deposits | 159.6426% | 388 |
| Total domestic deposits to total assets | 69.6470% | 7,443 |
| Equity capital to assets | 13.7859% | 1,382 |
| Core capital (leverage) ratio | 13.7859% | 1,145 |
| Tier 1 risk-based capital ratio | 22.1425% | 1,209 |
| Total risk-based capital ratio | 23.0773% | 1,223 |
| Memoranda: | ||
| Average total assets | $31,098,250 | 7,498 |
| Average earning assets | $29,748,500 | 7,427 |
| Average equity | $4,259,000 | 7,261 |
| Average total loans | $27,465,250 | 6,829 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2058% | 1,432 |
| Cost of funding earning assets | 2.0257% | 3,653 |
| Net interest margin | 4.1801% | 2,062 |
| Noninterest income to average assets | 0.3563% | 5,658 |
| Noninterest expense to average assets | 2.5657% | 5,880 |
| Loan and lease loss provision to assets | 0.0777% | 6,411 |
| Net operating income to assets | 1.2440% | 1,375 |
| Return on assets (ROA) | 1.2440% | 1,449 |
| Pretax return on assets | 1.7105% | 992 |
| Return on Equity (ROE) | 9.1038% | 2,325 |
| Retained earnings to average equity (ytd only) | 9.1038% | 911 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9286% | 6,706 |
| Assets per employee ($millions) | 3.8841% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6564% | 7,531 |
| Loan loss allowance to noncurrent loans | 131.8841% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 6,339 |
| Noncurrent loans to loans | 0.4977% | 6,279 |
| Net loans and leases to total assets | 88.6525% | 206 |
| Net loans and leases to deposits | 126.3972% | 144 |
| Net loans and leases to core deposits | 154.8019% | 547 |
| Total domestic deposits to total assets | 70.1381% | 7,458 |
| Equity capital to assets | 13.8738% | 1,358 |
| Core capital (leverage) ratio | 13.8738% | 1,172 |
| Tier 1 risk-based capital ratio | 22.2469% | 1,218 |
| Total risk-based capital ratio | 23.1861% | 1,237 |
| Memoranda: | ||
| Average total assets | $30,869,000 | 7,573 |
| Average earning assets | $29,520,670 | 7,499 |
| Average equity | $4,218,000 | 7,331 |
| Average total loans | $27,149,330 | 6,905 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2805% | 1,358 |
| Cost of funding earning assets | 2.0663% | 3,805 |
| Net interest margin | 4.2142% | 1,846 |
| Noninterest income to average assets | 0.3510% | 5,638 |
| Noninterest expense to average assets | 2.4702% | 5,958 |
| Loan and lease loss provision to assets | 0.0780% | 5,977 |
| Net operating income to assets | 1.3651% | 1,220 |
| Return on assets (ROA) | 1.3651% | 1,309 |
| Pretax return on assets | 1.8331% | 919 |
| Return on Equity (ROE) | 10.0683% | 2,289 |
| Retained earnings to average equity (ytd only) | 10.0683% | 1,170 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3798% | 6,914 |
| Assets per employee ($millions) | 3.7974% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6688% | 7,531 |
| Loan loss allowance to noncurrent loans | 247.8873% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 6,821 |
| Noncurrent loans to loans | 0.2698% | 6,762 |
| Net loans and leases to total assets | 86.0430% | 442 |
| Net loans and leases to deposits | 124.7566% | 205 |
| Net loans and leases to core deposits | 148.7622% | 747 |
| Total domestic deposits to total assets | 68.9687% | 7,521 |
| Equity capital to assets | 13.9043% | 1,392 |
| Core capital (leverage) ratio | 13.9043% | 1,208 |
| Tier 1 risk-based capital ratio | 22.8349% | 1,210 |
| Total risk-based capital ratio | 23.7864% | 1,212 |
| Memoranda: | ||
| Average total assets | $30,767,000 | 7,617 |
| Average earning assets | $29,424,500 | 7,547 |
| Average equity | $4,171,500 | 7,390 |
| Average total loans | $26,859,500 | 6,947 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7241% | 1,942 |
| Cost of funding earning assets | 2.5622% | 3,892 |
| Net interest margin | 4.1619% | 2,457 |
| Noninterest income to average assets | 0.3987% | 5,480 |
| Noninterest expense to average assets | 2.4455% | 6,230 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2194% | 1,713 |
| Return on assets (ROA) | 1.2194% | 1,661 |
| Pretax return on assets | 1.9363% | 712 |
| Return on Equity (ROE) | 9.1994% | 2,569 |
| Retained earnings to average equity (ytd only) | 9.1994% | 572 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8104% | 7,039 |
| Assets per employee ($millions) | 3.8944% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6203% | 7,636 |
| Loan loss allowance to noncurrent loans | 2,428.5714% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 7,513 |
| Noncurrent loans to loans | 0.0255% | 7,413 |
| Net loans and leases to total assets | 87.4145% | 424 |
| Net loans and leases to deposits | 134.9822% | 151 |
| Net loans and leases to core deposits | 163.0193% | 519 |
| Total domestic deposits to total assets | 64.7601% | 7,740 |
| Equity capital to assets | 13.2210% | 1,699 |
| Core capital (leverage) ratio | 13.2210% | 1,471 |
| Tier 1 risk-based capital ratio | 21.2517% | 1,424 |
| Total risk-based capital ratio | 22.1288% | 1,443 |
| Memoranda: | ||
| Average total assets | $29,850,200 | 7,656 |
| Average earning assets | $28,568,800 | 7,584 |
| Average equity | $3,956,800 | 7,528 |
| Average total loans | $26,018,400 | 6,961 |