Home > First Federal Bank Littlefield, Texas > Performance and Condition Ratios
First Federal Bank Littlefield, Texas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6845% | 293 |
| Cost of funding earning assets | 1.2529% | 2,649 |
| Net interest margin | 5.4317% | 199 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 4.2596% | 315 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.6908% | 3,218 |
| Return on assets (ROA) | 0.6908% | 3,193 |
| Pretax return on assets | 0.8581% | 3,075 |
| Return on Equity (ROE) | 3.4700% | 3,959 |
| Retained earnings to average equity (ytd only) | 3.4697% | 3,132 |
| Net charge-offs to loans | -0.0093% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.4957% | 808 |
| Assets per employee ($millions) | 2.9402% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 811 |
| Loan loss allowance to noncurrent loans | 33,350.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 3,806 |
| Noncurrent loans to loans | 0.0048% | 3,751 |
| Net loans and leases to total assets | 72.7600% | 1,494 |
| Net loans and leases to deposits | 91.3513% | 1,152 |
| Net loans and leases to core deposits | 102.5380% | 1,303 |
| Total domestic deposits to total assets | 79.6400% | 3,521 |
| Equity capital to assets | 19.9184% | 285 |
| Core capital (leverage) ratio | 20.3967% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $55,005,800 | 4,262 |
| Average earning assets | $50,684,200 | 4,242 |
| Average equity | $10,951,800 | 3,619 |
| Average total loans | $42,830,200 | 3,953 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5797% | 287 |
| Cost of funding earning assets | 1.0883% | 2,777 |
| Net interest margin | 5.4914% | 180 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 4.1368% | 333 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.8128% | 2,986 |
| Return on assets (ROA) | 0.8128% | 2,976 |
| Pretax return on assets | 1.0488% | 2,714 |
| Return on Equity (ROE) | 4.0800% | 3,966 |
| Retained earnings to average equity (ytd only) | 4.0825% | 3,238 |
| Net charge-offs to loans | -0.0123% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.1250% | 1,001 |
| Assets per employee ($millions) | 2.9566% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 1,371 |
| 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 | 85.0900% | 206 |
| Net loans and leases to deposits | 108.1173% | 241 |
| Net loans and leases to core deposits | 121.6646% | 509 |
| Total domestic deposits to total assets | 78.7000% | 3,740 |
| Equity capital to assets | 20.6749% | 269 |
| Core capital (leverage) ratio | 20.4856% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $54,791,500 | 4,278 |
| Average earning assets | $50,599,000 | 4,258 |
| Average equity | $10,908,000 | 3,622 |
| Average total loans | $43,210,000 | 3,958 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3726% | 291 |
| Cost of funding earning assets | 0.9138% | 2,887 |
| Net interest margin | 5.4589% | 180 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 3.9844% | 344 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.8677% | 2,864 |
| Return on assets (ROA) | 0.8677% | 2,860 |
| Pretax return on assets | 1.1389% | 2,541 |
| Return on Equity (ROE) | 4.4100% | 3,966 |
| Retained earnings to average equity (ytd only) | 4.4133% | 3,102 |
| Net charge-offs to loans | -0.0189% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.1576% | 1,163 |
| Assets per employee ($millions) | 3.0014% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 1,391 |
| Loan loss allowance to noncurrent loans | 10,616.6667% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 3,736 |
| Noncurrent loans to loans | 0.0136% | 3,682 |
| Net loans and leases to total assets | 80.7600% | 548 |
| Net loans and leases to deposits | 101.8085% | 438 |
| Net loans and leases to core deposits | 113.2254% | 707 |
| Total domestic deposits to total assets | 79.3200% | 3,677 |
| Equity capital to assets | 20.3332% | 273 |
| Core capital (leverage) ratio | 20.5045% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $55,315,667 | 4,296 |
| Average earning assets | $50,779,667 | 4,283 |
| Average equity | $10,876,333 | 3,641 |
| Average total loans | $42,300,667 | 3,984 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3369% | 217 |
| Cost of funding earning assets | 0.7743% | 2,827 |
| Net interest margin | 5.5625% | 139 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 3.9599% | 361 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.8363% | 3,066 |
| Return on assets (ROA) | 0.8363% | 3,024 |
| Pretax return on assets | 1.1722% | 2,508 |
| Return on Equity (ROE) | 4.3200% | 3,988 |
| Retained earnings to average equity (ytd only) | 4.3245% | 3,176 |
| Net charge-offs to loans | -0.0194% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.5798% | 1,198 |
| Assets per employee ($millions) | 3.0258% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 1,146 |
| Loan loss allowance to noncurrent loans | 1,881.8182% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,178 |
| Noncurrent loans to loans | 0.0819% | 3,156 |
| Net loans and leases to total assets | 72.8300% | 1,340 |
| Net loans and leases to deposits | 91.3504% | 959 |
| Net loans and leases to core deposits | 101.0264% | 1,042 |
| Total domestic deposits to total assets | 79.7300% | 3,800 |
| Equity capital to assets | 20.0037% | 235 |
| Core capital (leverage) ratio | 19.0822% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $55,961,000 | 4,354 |
| Average earning assets | $50,624,500 | 4,348 |
| Average equity | $10,822,000 | 3,690 |
| Average total loans | $41,318,500 | 4,047 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0712% | 266 |
| Cost of funding earning assets | 0.3588% | 2,412 |
| Net interest margin | 4.7125% | 201 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 3.7783% | 392 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6400% | 3,781 |
| Return on assets (ROA) | 0.6400% | 3,730 |
| Pretax return on assets | 0.8042% | 3,611 |
| Return on Equity (ROE) | 3.3300% | 4,259 |
| Retained earnings to average equity (ytd only) | 3.3338% | 3,617 |
| Net charge-offs to loans | 0.2602% | 305 |
| Credit loss provision to net charge-offs | 28.3019% | 1,903 |
| Earnings coverage of net charge-offs (x) | 4.4434% | 2,418 |
| Efficiency ratio | 81.4786% | 625 |
| Assets per employee ($millions) | 3.0241% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 1,424 |
| Loan loss allowance to noncurrent loans | 6,700.0000% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 3,699 |
| Noncurrent loans to loans | 0.0213% | 3,653 |
| Net loans and leases to total assets | 72.6500% | 1,350 |
| Net loans and leases to deposits | 89.5239% | 1,085 |
| Net loans and leases to core deposits | 97.6309% | 1,120 |
| Total domestic deposits to total assets | 81.1600% | 3,736 |
| Equity capital to assets | 18.7079% | 265 |
| Core capital (leverage) ratio | 18.9080% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $54,839,600 | 4,390 |
| Average earning assets | $51,565,400 | 4,356 |
| Average equity | $10,528,400 | 3,807 |
| Average total loans | $40,734,200 | 4,054 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7618% | 308 |
| Cost of funding earning assets | 0.2849% | 2,334 |
| Net interest margin | 4.4769% | 248 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 3.5458% | 465 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.6422% | 3,715 |
| Return on assets (ROA) | 0.6422% | 3,670 |
| Pretax return on assets | 0.8145% | 3,545 |
| Return on Equity (ROE) | 3.3200% | 4,258 |
| Retained earnings to average equity (ytd only) | 3.3227% | 3,689 |
| Net charge-offs to loans | 0.3405% | 188 |
| Credit loss provision to net charge-offs | 29.1262% | 1,604 |
| Earnings coverage of net charge-offs (x) | 3.5049% | 2,208 |
| Efficiency ratio | 79.9667% | 778 |
| Assets per employee ($millions) | 3.3492% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,411 |
| Loan loss allowance to noncurrent loans | 5,509.0909% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 3,753 |
| Noncurrent loans to loans | 0.0266% | 3,713 |
| Net loans and leases to total assets | 71.6800% | 1,324 |
| Net loans and leases to deposits | 88.4772% | 1,000 |
| Net loans and leases to core deposits | 97.1529% | 947 |
| Total domestic deposits to total assets | 81.0100% | 3,973 |
| Equity capital to assets | 18.6241% | 252 |
| Core capital (leverage) ratio | 18.9677% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $54,185,250 | 4,430 |
| Average earning assets | $51,016,250 | 4,395 |
| Average equity | $10,473,250 | 3,866 |
| Average total loans | $40,330,750 | 4,080 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4935% | 379 |
| Cost of funding earning assets | 0.2157% | 2,697 |
| Net interest margin | 4.2778% | 289 |
| Noninterest income to average assets | 0.2103% | 3,944 |
| Noninterest expense to average assets | 3.5331% | 429 |
| Loan and lease loss provision to assets | 0.1126% | 891 |
| Net operating income to assets | 0.4731% | 3,960 |
| Return on assets (ROA) | 0.4731% | 3,912 |
| Pretax return on assets | 0.5857% | 3,841 |
| Return on Equity (ROE) | 2.4162% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.4162% | 3,640 |
| Net charge-offs to loans | 0.4604% | 150 |
| Credit loss provision to net charge-offs | 32.6087% | 1,559 |
| Earnings coverage of net charge-offs (x) | 2.0217% | 2,043 |
| Efficiency ratio | 83.4960% | 711 |
| Assets per employee ($millions) | 3.2058% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 1,205 |
| Loan loss allowance to noncurrent loans | 3,247.3684% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 3,635 |
| Noncurrent loans to loans | 0.0486% | 3,585 |
| Net loans and leases to total assets | 70.6356% | 1,242 |
| Net loans and leases to deposits | 87.6600% | 864 |
| Net loans and leases to core deposits | 97.5644% | 774 |
| Total domestic deposits to total assets | 80.5791% | 4,176 |
| Equity capital to assets | 19.2411% | 184 |
| Core capital (leverage) ratio | 20.1507% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,268,000 | 4,479 |
| Average earning assets | $50,072,667 | 4,458 |
| Average equity | $10,429,667 | 3,941 |
| Average total loans | $39,968,667 | 4,138 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 258 |
| Cost of funding earning assets | 0.2028% | 2,762 |
| Net interest margin | 4.3973% | 197 |
| Noninterest income to average assets | 0.2127% | 3,889 |
| Noninterest expense to average assets | 3.6465% | 368 |
| Loan and lease loss provision to assets | 0.1140% | 732 |
| Net operating income to assets | 0.4634% | 3,803 |
| Return on assets (ROA) | 0.4634% | 3,767 |
| Pretax return on assets | 0.5698% | 3,708 |
| Return on Equity (ROE) | 2.3458% | 4,203 |
| Retained earnings to average equity (ytd only) | 2.3458% | 3,447 |
| Net charge-offs to loans | 0.9110% | 75 |
| Credit loss provision to net charge-offs | 16.3043% | 1,301 |
| Earnings coverage of net charge-offs (x) | 0.9783% | 1,754 |
| Efficiency ratio | 84.2105% | 830 |
| Assets per employee ($millions) | 3.3113% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 1,211 |
| Loan loss allowance to noncurrent loans | 3,010.0000% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 3,660 |
| Noncurrent loans to loans | 0.0539% | 3,596 |
| Net loans and leases to total assets | 68.9052% | 1,123 |
| Net loans and leases to deposits | 86.0179% | 736 |
| Net loans and leases to core deposits | 94.6806% | 705 |
| Total domestic deposits to total assets | 80.1057% | 4,284 |
| Equity capital to assets | 19.6904% | 172 |
| Core capital (leverage) ratio | 19.2065% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,653,000 | 4,511 |
| Average earning assets | $49,302,500 | 4,493 |
| Average equity | $10,401,500 | 4,013 |
| Average total loans | $40,397,000 | 4,153 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1892% | 196 |
| Cost of funding earning assets | 0.2643% | 2,765 |
| Net interest margin | 4.9250% | 155 |
| Noninterest income to average assets | 0.1978% | 4,174 |
| Noninterest expense to average assets | 3.7064% | 386 |
| Loan and lease loss provision to assets | 0.1712% | 678 |
| Net operating income to assets | 0.6200% | 3,832 |
| Return on assets (ROA) | 0.6200% | 3,877 |
| Pretax return on assets | 0.7854% | 3,755 |
| Return on Equity (ROE) | 3.1973% | 4,332 |
| Retained earnings to average equity (ytd only) | 3.1973% | 3,552 |
| Net charge-offs to loans | 0.0119% | 2,118 |
| Credit loss provision to net charge-offs | 1,800.0000% | 335 |
| Earnings coverage of net charge-offs (x) | 100.6000% | 881 |
| Efficiency ratio | 79.4861% | 840 |
| Assets per employee ($millions) | 3.2704% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 1,376 |
| Loan loss allowance to noncurrent loans | 552.0325% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 2,384 |
| Noncurrent loans to loans | 0.2816% | 2,594 |
| Net loans and leases to total assets | 82.1905% | 171 |
| Net loans and leases to deposits | 102.5979% | 152 |
| Net loans and leases to core deposits | 113.8534% | 231 |
| Total domestic deposits to total assets | 80.1093% | 4,212 |
| Equity capital to assets | 19.8200% | 185 |
| Core capital (leverage) ratio | 19.8139% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,584,600 | 4,536 |
| Average earning assets | $47,675,600 | 4,537 |
| Average equity | $10,196,200 | 4,106 |
| Average total loans | $42,004,400 | 4,147 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 244 |
| Cost of funding earning assets | 0.2808% | 2,787 |
| Net interest margin | 4.8360% | 191 |
| Noninterest income to average assets | 0.1950% | 4,226 |
| Noninterest expense to average assets | 3.6239% | 400 |
| Loan and lease loss provision to assets | 0.1519% | 737 |
| Net operating income to assets | 0.6179% | 3,975 |
| Return on assets (ROA) | 0.6179% | 4,025 |
| Pretax return on assets | 0.7800% | 3,928 |
| Return on Equity (ROE) | 3.2044% | 4,432 |
| Retained earnings to average equity (ytd only) | 3.2044% | 3,824 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5442% | 774 |
| Assets per employee ($millions) | 2.9758% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 1,690 |
| Loan loss allowance to noncurrent loans | 600.0000% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 2,702 |
| Noncurrent loans to loans | 0.2477% | 2,946 |
| Net loans and leases to total assets | 85.6883% | 71 |
| Net loans and leases to deposits | 107.9194% | 116 |
| Net loans and leases to core deposits | 122.9382% | 158 |
| Total domestic deposits to total assets | 79.4003% | 4,310 |
| Equity capital to assets | 20.3388% | 181 |
| Core capital (leverage) ratio | 19.9880% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,649,250 | 4,597 |
| Average earning assets | $47,475,750 | 4,599 |
| Average equity | $10,152,500 | 4,167 |
| Average total loans | $41,584,000 | 4,206 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 420 |
| Cost of funding earning assets | 0.2980% | 2,792 |
| Net interest margin | 4.5839% | 315 |
| Noninterest income to average assets | 0.1875% | 4,265 |
| Noninterest expense to average assets | 3.5548% | 438 |
| Loan and lease loss provision to assets | 0.1125% | 1,124 |
| Net operating income to assets | 0.4725% | 4,276 |
| Return on assets (ROA) | 0.4725% | 4,317 |
| Pretax return on assets | 0.6150% | 4,207 |
| Return on Equity (ROE) | 2.4933% | 4,545 |
| Retained earnings to average equity (ytd only) | 2.4933% | 4,000 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0123% | 613 |
| Assets per employee ($millions) | 2.7955% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 1,580 |
| 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 | 76.9444% | 512 |
| Net loans and leases to deposits | 95.2968% | 408 |
| Net loans and leases to core deposits | 107.6435% | 422 |
| Total domestic deposits to total assets | 80.7418% | 4,120 |
| Equity capital to assets | 19.1490% | 220 |
| Core capital (leverage) ratio | 18.9284% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,336,333 | 4,620 |
| Average earning assets | $47,644,667 | 4,629 |
| Average equity | $10,107,000 | 4,187 |
| Average total loans | $40,778,000 | 4,261 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7275% | 547 |
| Cost of funding earning assets | 0.3179% | 2,816 |
| Net interest margin | 4.4096% | 418 |
| Noninterest income to average assets | 0.1871% | 4,260 |
| Noninterest expense to average assets | 3.5474% | 438 |
| Loan and lease loss provision to assets | 0.1123% | 1,235 |
| Net operating income to assets | 0.4490% | 4,276 |
| Return on assets (ROA) | 0.4490% | 4,310 |
| Pretax return on assets | 0.5763% | 4,225 |
| Return on Equity (ROE) | 2.3821% | 4,563 |
| Retained earnings to average equity (ytd only) | 2.3821% | 3,935 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7456% | 609 |
| Assets per employee ($millions) | 2.9732% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 1,440 |
| 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 | 72.4579% | 960 |
| Net loans and leases to deposits | 89.5793% | 723 |
| Net loans and leases to core deposits | 101.0712% | 668 |
| Total domestic deposits to total assets | 80.8868% | 4,078 |
| Equity capital to assets | 18.8815% | 230 |
| Core capital (leverage) ratio | 18.8000% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,447,000 | 4,636 |
| Average earning assets | $49,075,000 | 4,633 |
| Average equity | $10,075,000 | 4,208 |
| Average total loans | $40,420,500 | 4,295 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1085% | 403 |
| Cost of funding earning assets | 0.6546% | 1,963 |
| Net interest margin | 4.4539% | 358 |
| Noninterest income to average assets | 0.1945% | 4,313 |
| Noninterest expense to average assets | 3.5049% | 683 |
| Loan and lease loss provision to assets | 0.5010% | 490 |
| Net operating income to assets | 0.2633% | 4,488 |
| Return on assets (ROA) | 0.2633% | 4,551 |
| Pretax return on assets | 0.3458% | 4,495 |
| Return on Equity (ROE) | 1.3452% | 4,642 |
| Retained earnings to average equity (ytd only) | 1.3452% | 4,090 |
| Net charge-offs to loans | 0.0875% | 1,587 |
| Credit loss provision to net charge-offs | 728.5714% | 977 |
| Earnings coverage of net charge-offs (x) | 12.3143% | 2,343 |
| Efficiency ratio | 80.5418% | 848 |
| Assets per employee ($millions) | 3.1398% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 1,840 |
| 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 | 76.5513% | 728 |
| Net loans and leases to deposits | 94.4696% | 631 |
| Net loans and leases to core deposits | 103.9087% | 730 |
| Total domestic deposits to total assets | 81.0327% | 3,864 |
| Equity capital to assets | 18.8193% | 235 |
| Core capital (leverage) ratio | 18.7218% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,899,800 | 4,642 |
| Average earning assets | $47,509,000 | 4,625 |
| Average equity | $9,961,400 | 4,197 |
| Average total loans | $39,987,600 | 4,309 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1391% | 464 |
| Cost of funding earning assets | 0.7342% | 1,837 |
| Net interest margin | 4.4050% | 468 |
| Noninterest income to average assets | 0.2015% | 4,263 |
| Noninterest expense to average assets | 3.4790% | 726 |
| Loan and lease loss provision to assets | 0.5569% | 483 |
| Net operating income to assets | 0.2015% | 4,591 |
| Return on assets (ROA) | 0.2015% | 4,634 |
| Pretax return on assets | 0.2705% | 4,578 |
| Return on Equity (ROE) | 1.0194% | 4,708 |
| Retained earnings to average equity (ytd only) | 1.0194% | 4,253 |
| Net charge-offs to loans | 0.1178% | 1,185 |
| Credit loss provision to net charge-offs | 600.0000% | 1,163 |
| Earnings coverage of net charge-offs (x) | 8.9143% | 2,464 |
| Efficiency ratio | 80.7882% | 816 |
| Assets per employee ($millions) | 3.2013% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 1,864 |
| 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 | 77.0402% | 959 |
| Net loans and leases to deposits | 95.9957% | 760 |
| Net loans and leases to core deposits | 106.7872% | 815 |
| Total domestic deposits to total assets | 80.2538% | 3,811 |
| Equity capital to assets | 19.4982% | 225 |
| Core capital (leverage) ratio | 19.7868% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1839% | 397 |
| Memoranda: | ||
| Average total assets | $50,280,750 | 4,668 |
| Average earning assets | $46,855,000 | 4,655 |
| Average equity | $9,940,500 | 4,208 |
| Average total loans | $39,621,000 | 4,340 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1950% | 576 |
| Cost of funding earning assets | 0.8357% | 1,651 |
| Net interest margin | 4.3593% | 660 |
| Noninterest income to average assets | 0.1841% | 4,358 |
| Noninterest expense to average assets | 3.4542% | 790 |
| Loan and lease loss provision to assets | 0.4803% | 766 |
| Net operating income to assets | 0.1081% | 4,679 |
| Return on assets (ROA) | 0.1081% | 4,708 |
| Pretax return on assets | 0.3002% | 4,537 |
| Return on Equity (ROE) | 0.5441% | 4,744 |
| Retained earnings to average equity (ytd only) | 0.5441% | 4,202 |
| Net charge-offs to loans | 0.1773% | 845 |
| Credit loss provision to net charge-offs | 342.8571% | 1,531 |
| Earnings coverage of net charge-offs (x) | 5.5714% | 2,503 |
| Efficiency ratio | 81.5690% | 785 |
| Assets per employee ($millions) | 2.7534% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 2,899 |
| Loan loss allowance to noncurrent loans | 6,557.1429% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,497 |
| Noncurrent loans to loans | 0.0172% | 4,435 |
| Net loans and leases to total assets | 81.3563% | 463 |
| Net loans and leases to deposits | 101.9597% | 447 |
| Net loans and leases to core deposits | 113.9720% | 595 |
| Total domestic deposits to total assets | 79.7926% | 3,882 |
| Equity capital to assets | 20.0521% | 212 |
| Core capital (leverage) ratio | 19.7394% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,967,667 | 4,689 |
| Average earning assets | $46,429,000 | 4,682 |
| Average equity | $9,925,000 | 4,227 |
| Average total loans | $39,491,667 | 4,361 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3619% | 484 |
| Cost of funding earning assets | 0.8851% | 1,946 |
| Net interest margin | 4.4768% | 534 |
| Noninterest income to average assets | 0.1913% | 4,407 |
| Noninterest expense to average assets | 3.4841% | 960 |
| Loan and lease loss provision to assets | 0.5182% | 564 |
| Net operating income to assets | 0.1196% | 4,633 |
| Return on assets (ROA) | 0.1196% | 4,639 |
| Pretax return on assets | 0.3428% | 4,388 |
| Return on Equity (ROE) | 0.6049% | 4,679 |
| Retained earnings to average equity (ytd only) | 0.6049% | 3,842 |
| Net charge-offs to loans | 0.3501% | 407 |
| Credit loss provision to net charge-offs | 191.1765% | 1,441 |
| Earnings coverage of net charge-offs (x) | 3.1765% | 2,230 |
| Efficiency ratio | 80.1835% | 1,121 |
| Assets per employee ($millions) | 2.9280% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,328 |
| Loan loss allowance to noncurrent loans | 88.8158% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.9161% | 1,462 |
| Noncurrent loans to loans | 1.2117% | 1,351 |
| Net loans and leases to total assets | 74.7931% | 1,489 |
| Net loans and leases to deposits | 93.7310% | 1,101 |
| Net loans and leases to core deposits | 102.4858% | 1,288 |
| Total domestic deposits to total assets | 79.7955% | 3,896 |
| Equity capital to assets | 19.9413% | 249 |
| Core capital (leverage) ratio | 19.5683% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,171,000 | 4,710 |
| Average earning assets | $46,551,000 | 4,700 |
| Average equity | $9,918,500 | 4,250 |
| Average total loans | $38,847,500 | 4,399 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0347% | 213 |
| Cost of funding earning assets | 0.8919% | 2,226 |
| Net interest margin | 5.1427% | 208 |
| Noninterest income to average assets | 0.2676% | 4,079 |
| Noninterest expense to average assets | 3.6695% | 791 |
| Loan and lease loss provision to assets | 0.2736% | 655 |
| Net operating income to assets | 0.7854% | 3,600 |
| Return on assets (ROA) | 0.7504% | 3,781 |
| Pretax return on assets | 0.9898% | 3,484 |
| Return on Equity (ROE) | 3.8450% | 4,501 |
| Retained earnings to average equity (ytd only) | 3.8450% | 3,047 |
| Net charge-offs to loans | 0.8134% | 206 |
| Credit loss provision to net charge-offs | 40.2367% | 3,201 |
| Earnings coverage of net charge-offs (x) | 1.9231% | 3,473 |
| Efficiency ratio | 73.7268% | 1,635 |
| Assets per employee ($millions) | 2.9745% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 3,824 |
| Loan loss allowance to noncurrent loans | 429.8851% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 3,789 |
| Noncurrent loans to loans | 0.2172% | 3,677 |
| Net loans and leases to total assets | 78.4855% | 1,001 |
| Net loans and leases to deposits | 97.8669% | 772 |
| Net loans and leases to core deposits | 106.5108% | 1,079 |
| Total domestic deposits to total assets | 80.1962% | 3,936 |
| Equity capital to assets | 19.6001% | 265 |
| Core capital (leverage) ratio | 19.1999% | 268 |
| Tier 1 risk-based capital ratio | 23.9744% | 830 |
| Total risk-based capital ratio | 24.8791% | 842 |
| Memoranda: | ||
| Average total assets | $49,707,600 | 4,754 |
| Average earning assets | $45,520,400 | 4,758 |
| Average equity | $9,701,000 | 4,277 |
| Average total loans | $41,556,200 | 4,375 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9919% | 241 |
| Cost of funding earning assets | 0.8627% | 2,396 |
| Net interest margin | 5.1292% | 218 |
| Noninterest income to average assets | 0.2290% | 4,366 |
| Noninterest expense to average assets | 3.7068% | 745 |
| Loan and lease loss provision to assets | 0.1832% | 991 |
| Net operating income to assets | 0.7365% | 3,893 |
| Return on assets (ROA) | 0.6896% | 4,104 |
| Pretax return on assets | 0.9725% | 3,674 |
| Return on Equity (ROE) | 3.5375% | 4,669 |
| Retained earnings to average equity (ytd only) | 3.5375% | 3,636 |
| Net charge-offs to loans | 0.0032% | 3,303 |
| Credit loss provision to net charge-offs | 6,800.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 452.1203% | 219 |
| Efficiency ratio | 75.3147% | 1,413 |
| Assets per employee ($millions) | 2.9592% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,337 |
| Loan loss allowance to noncurrent loans | 1,128.0702% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 4,149 |
| Noncurrent loans to loans | 0.1300% | 4,067 |
| Net loans and leases to total assets | 85.8529% | 203 |
| Net loans and leases to deposits | 112.9268% | 159 |
| Net loans and leases to core deposits | 123.4459% | 423 |
| Total domestic deposits to total assets | 76.0252% | 4,650 |
| Equity capital to assets | 19.4705% | 280 |
| Core capital (leverage) ratio | 19.7396% | 256 |
| Tier 1 risk-based capital ratio | 22.0937% | 1,058 |
| Total risk-based capital ratio | 23.3500% | 1,028 |
| Memoranda: | ||
| Average total assets | $49,493,000 | 4,824 |
| Average earning assets | $45,282,000 | 4,828 |
| Average equity | $9,648,500 | 4,333 |
| Average total loans | $41,930,000 | 4,419 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8924% | 291 |
| Cost of funding earning assets | 0.8055% | 2,613 |
| Net interest margin | 5.0869% | 242 |
| Noninterest income to average assets | 0.2316% | 4,364 |
| Noninterest expense to average assets | 3.7179% | 735 |
| Loan and lease loss provision to assets | 0.1828% | 975 |
| Net operating income to assets | 0.6964% | 4,014 |
| Return on assets (ROA) | 0.6257% | 4,279 |
| Pretax return on assets | 0.8858% | 3,887 |
| Return on Equity (ROE) | 3.2084% | 4,747 |
| Retained earnings to average equity (ytd only) | 3.2084% | 3,620 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2500% | 1,360 |
| Assets per employee ($millions) | 2.8508% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 1,463 |
| Loan loss allowance to noncurrent loans | 336.9565% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 2,988 |
| Noncurrent loans to loans | 0.4268% | 3,002 |
| Net loans and leases to total assets | 87.6710% | 127 |
| Net loans and leases to deposits | 113.9272% | 147 |
| Net loans and leases to core deposits | 125.5185% | 402 |
| Total domestic deposits to total assets | 76.9536% | 4,568 |
| Equity capital to assets | 19.9988% | 248 |
| Core capital (leverage) ratio | 20.1690% | 231 |
| Tier 1 risk-based capital ratio | 22.2034% | 1,029 |
| Total risk-based capital ratio | 23.4588% | 1,012 |
| Memoranda: | ||
| Average total assets | $49,221,670 | 4,861 |
| Average earning assets | $44,939,000 | 4,874 |
| Average equity | $9,599,670 | 4,356 |
| Average total loans | $41,295,670 | 4,463 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9764% | 230 |
| Cost of funding earning assets | 0.7694% | 2,689 |
| Net interest margin | 5.2070% | 201 |
| Noninterest income to average assets | 0.2419% | 4,275 |
| Noninterest expense to average assets | 3.6209% | 825 |
| Loan and lease loss provision to assets | 0.1855% | 886 |
| Net operating income to assets | 0.7742% | 3,706 |
| Return on assets (ROA) | 0.7742% | 3,750 |
| Pretax return on assets | 1.1290% | 3,045 |
| Return on Equity (ROE) | 4.0195% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.0195% | 3,308 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3660% | 1,832 |
| Assets per employee ($millions) | 2.8014% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 1,189 |
| 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 | 79.8795% | 852 |
| Net loans and leases to deposits | 100.4860% | 601 |
| Net loans and leases to core deposits | 112.8813% | 790 |
| Total domestic deposits to total assets | 79.4931% | 4,252 |
| Equity capital to assets | 20.1793% | 235 |
| Core capital (leverage) ratio | 19.5559% | 255 |
| Tier 1 risk-based capital ratio | 23.1570% | 921 |
| Total risk-based capital ratio | 24.4117% | 896 |
| Memoranda: | ||
| Average total assets | $49,601,000 | 4,906 |
| Average earning assets | $44,709,000 | 4,925 |
| Average equity | $9,553,500 | 4,397 |
| Average total loans | $40,389,500 | 4,525 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6259% | 318 |
| Cost of funding earning assets | 0.7004% | 2,091 |
| Net interest margin | 4.9255% | 308 |
| Noninterest income to average assets | 0.2482% | 4,435 |
| Noninterest expense to average assets | 3.3196% | 1,276 |
| Loan and lease loss provision to assets | 0.1705% | 1,173 |
| Net operating income to assets | 0.9587% | 3,183 |
| Return on assets (ROA) | 0.9587% | 3,184 |
| Pretax return on assets | 1.2221% | 2,808 |
| Return on Equity (ROE) | 5.4896% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.4896% | 2,488 |
| Net charge-offs to loans | 0.1737% | 1,111 |
| Credit loss provision to net charge-offs | 121.6216% | 2,141 |
| Earnings coverage of net charge-offs (x) | 9.9324% | 2,770 |
| Efficiency ratio | 70.4463% | 2,116 |
| Assets per employee ($millions) | 3.6842% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 1,759 |
| Loan loss allowance to noncurrent loans | 886.1538% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 4,193 |
| Noncurrent loans to loans | 0.1542% | 4,051 |
| Net loans and leases to total assets | 80.5832% | 853 |
| Net loans and leases to deposits | 105.8254% | 379 |
| Net loans and leases to core deposits | 122.6656% | 476 |
| Total domestic deposits to total assets | 76.1473% | 4,739 |
| Equity capital to assets | 18.4125% | 308 |
| Core capital (leverage) ratio | 17.9319% | 334 |
| Tier 1 risk-based capital ratio | 21.6871% | 1,069 |
| Total risk-based capital ratio | 22.9422% | 1,049 |
| Memoranda: | ||
| Average total assets | $52,777,400 | 4,888 |
| Average earning assets | $47,832,400 | 4,897 |
| Average equity | $9,217,400 | 4,432 |
| Average total loans | $42,606,000 | 4,482 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4369% | 413 |
| Cost of funding earning assets | 0.6738% | 2,008 |
| Net interest margin | 4.7632% | 404 |
| Noninterest income to average assets | 0.2336% | 4,574 |
| Noninterest expense to average assets | 3.2053% | 1,509 |
| Loan and lease loss provision to assets | 0.1708% | 1,094 |
| Net operating income to assets | 0.9219% | 3,421 |
| Return on assets (ROA) | 0.9219% | 3,424 |
| Pretax return on assets | 1.1907% | 3,025 |
| Return on Equity (ROE) | 5.3492% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.3492% | 3,029 |
| Net charge-offs to loans | 0.1873% | 895 |
| Credit loss provision to net charge-offs | 113.3333% | 2,071 |
| Earnings coverage of net charge-offs (x) | 9.0331% | 2,669 |
| Efficiency ratio | 70.1870% | 2,161 |
| Assets per employee ($millions) | 3.5906% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 2,205 |
| Loan loss allowance to noncurrent loans | 321.4689% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 3,364 |
| Noncurrent loans to loans | 0.3976% | 3,230 |
| Net loans and leases to total assets | 81.6075% | 779 |
| Net loans and leases to deposits | 106.6070% | 419 |
| Net loans and leases to core deposits | 121.7231% | 524 |
| Total domestic deposits to total assets | 76.5499% | 4,716 |
| Equity capital to assets | 17.3471% | 397 |
| Core capital (leverage) ratio | 17.5508% | 367 |
| Tier 1 risk-based capital ratio | 20.1246% | 1,312 |
| Total risk-based capital ratio | 21.3429% | 1,287 |
| Memoranda: | ||
| Average total assets | $53,077,000 | 4,943 |
| Average earning assets | $48,285,750 | 4,944 |
| Average equity | $9,147,500 | 4,485 |
| Average total loans | $42,722,500 | 4,531 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2679% | 501 |
| Cost of funding earning assets | 0.6215% | 2,095 |
| Net interest margin | 4.6464% | 500 |
| Noninterest income to average assets | 0.2386% | 4,584 |
| Noninterest expense to average assets | 3.2831% | 1,363 |
| Loan and lease loss provision to assets | 0.1704% | 1,078 |
| Net operating income to assets | 0.7346% | 4,089 |
| Return on assets (ROA) | 0.7346% | 4,084 |
| Pretax return on assets | 1.0035% | 3,652 |
| Return on Equity (ROE) | 4.2720% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.2720% | 3,473 |
| Net charge-offs to loans | 0.1282% | 1,152 |
| Credit loss provision to net charge-offs | 166.6667% | 1,465 |
| Earnings coverage of net charge-offs (x) | 11.4815% | 2,266 |
| Efficiency ratio | 73.6619% | 1,756 |
| Assets per employee ($millions) | 3.7582% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 2,028 |
| Loan loss allowance to noncurrent loans | 802.7778% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 4,307 |
| Noncurrent loans to loans | 0.1658% | 4,164 |
| Net loans and leases to total assets | 81.4293% | 782 |
| Net loans and leases to deposits | 104.6379% | 500 |
| Net loans and leases to core deposits | 119.4991% | 574 |
| Total domestic deposits to total assets | 77.8200% | 4,620 |
| Equity capital to assets | 17.4380% | 369 |
| Core capital (leverage) ratio | 17.8975% | 319 |
| Tier 1 risk-based capital ratio | 20.2205% | 1,286 |
| Total risk-based capital ratio | 21.4741% | 1,257 |
| Memoranda: | ||
| Average total assets | $52,816,330 | 5,003 |
| Average earning assets | $47,951,000 | 5,005 |
| Average equity | $9,082,330 | 4,530 |
| Average total loans | $42,122,670 | 4,583 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9699% | 740 |
| Cost of funding earning assets | 0.5754% | 2,207 |
| Net interest margin | 4.3945% | 778 |
| Noninterest income to average assets | 0.3704% | 3,658 |
| Noninterest expense to average assets | 3.3033% | 1,340 |
| Loan and lease loss provision to assets | 0.1739% | 1,008 |
| Net operating income to assets | 0.6198% | 4,368 |
| Return on assets (ROA) | 0.6198% | 4,378 |
| Pretax return on assets | 0.8768% | 3,923 |
| Return on Equity (ROE) | 3.6299% | 4,862 |
| Retained earnings to average equity (ytd only) | 3.6299% | 3,751 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8681% | 1,611 |
| Assets per employee ($millions) | 3.2030% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 1,770 |
| Loan loss allowance to noncurrent loans | 138.8095% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.8195% | 1,930 |
| Noncurrent loans to loans | 1.0217% | 1,790 |
| Net loans and leases to total assets | 79.0724% | 1,066 |
| Net loans and leases to deposits | 96.4489% | 982 |
| Net loans and leases to core deposits | 110.4259% | 974 |
| Total domestic deposits to total assets | 81.9837% | 3,970 |
| Equity capital to assets | 17.6865% | 340 |
| Core capital (leverage) ratio | 17.5678% | 337 |
| Tier 1 risk-based capital ratio | 20.8640% | 1,221 |
| Total risk-based capital ratio | 22.1139% | 1,200 |
| Memoranda: | ||
| Average total assets | $52,917,000 | 5,061 |
| Average earning assets | $47,969,000 | 5,061 |
| Average equity | $9,036,000 | 4,580 |
| Average total loans | $41,473,000 | 4,647 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 598 |
| Cost of funding earning assets | 0.5520% | 1,934 |
| Net interest margin | 4.4905% | 625 |
| Noninterest income to average assets | 0.5217% | 2,872 |
| Noninterest expense to average assets | 3.1984% | 1,615 |
| Loan and lease loss provision to assets | 0.1465% | 1,555 |
| Net operating income to assets | 0.8629% | 2,904 |
| Return on assets (ROA) | 0.8616% | 2,929 |
| Pretax return on assets | 1.2915% | 2,385 |
| Return on Equity (ROE) | 5.0156% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.0156% | 2,115 |
| Net charge-offs to loans | -0.0291% | 5,060 |
| Credit loss provision to net charge-offs | -625.0000% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9553% | 2,712 |
| Assets per employee ($millions) | 3.8990% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,031 |
| Loan loss allowance to noncurrent loans | 123.0769% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8335% | 1,868 |
| Noncurrent loans to loans | 1.0875% | 1,632 |
| Net loans and leases to total assets | 75.6238% | 1,664 |
| Net loans and leases to deposits | 101.1294% | 646 |
| Net loans and leases to core deposits | 118.0744% | 650 |
| Total domestic deposits to total assets | 74.7792% | 5,109 |
| Equity capital to assets | 16.5024% | 454 |
| Core capital (leverage) ratio | 16.3245% | 434 |
| Tier 1 risk-based capital ratio | 20.5035% | 1,224 |
| Total risk-based capital ratio | 21.7566% | 1,196 |
| Memoranda: | ||
| Average total assets | $51,182,600 | 5,136 |
| Average earning assets | $46,921,800 | 5,126 |
| Average equity | $8,792,600 | 4,649 |
| Average total loans | $41,169,000 | 4,693 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 759 |
| Cost of funding earning assets | 0.5190% | 2,114 |
| Net interest margin | 4.3816% | 757 |
| Noninterest income to average assets | 0.5245% | 2,871 |
| Noninterest expense to average assets | 3.1020% | 1,796 |
| Loan and lease loss provision to assets | 0.1404% | 1,513 |
| Net operating income to assets | 0.8998% | 3,028 |
| Return on assets (ROA) | 0.8980% | 3,091 |
| Pretax return on assets | 1.3272% | 2,373 |
| Return on Equity (ROE) | 5.1723% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.1723% | 2,768 |
| Net charge-offs to loans | -0.0390% | 5,086 |
| Credit loss provision to net charge-offs | -441.6667% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8447% | 2,900 |
| Assets per employee ($millions) | 3.9506% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 3,138 |
| Loan loss allowance to noncurrent loans | 351.6340% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 3,965 |
| Noncurrent loans to loans | 0.3301% | 3,767 |
| Net loans and leases to total assets | 82.8220% | 568 |
| Net loans and leases to deposits | 116.8810% | 140 |
| Net loans and leases to core deposits | 137.9551% | 232 |
| Total domestic deposits to total assets | 70.8601% | 5,447 |
| Equity capital to assets | 16.1384% | 515 |
| Core capital (leverage) ratio | 17.3712% | 350 |
| Tier 1 risk-based capital ratio | 18.7090% | 1,676 |
| Total risk-based capital ratio | 19.8362% | 1,655 |
| Memoranda: | ||
| Average total assets | $50,331,750 | 5,205 |
| Average earning assets | $46,496,000 | 5,191 |
| Average equity | $8,738,750 | 4,705 |
| Average total loans | $41,001,250 | 4,744 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 874 |
| Cost of funding earning assets | 0.4885% | 2,265 |
| Net interest margin | 4.3029% | 851 |
| Noninterest income to average assets | 0.4315% | 3,482 |
| Noninterest expense to average assets | 3.2051% | 1,567 |
| Loan and lease loss provision to assets | 0.1233% | 1,677 |
| Net operating income to assets | 0.7520% | 3,634 |
| Return on assets (ROA) | 0.7520% | 3,686 |
| Pretax return on assets | 1.0848% | 3,238 |
| Return on Equity (ROE) | 4.2184% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.2184% | 3,197 |
| Net charge-offs to loans | -0.0306% | 4,964 |
| Credit loss provision to net charge-offs | -500.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6257% | 2,243 |
| Assets per employee ($millions) | 3.5859% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,899 |
| Loan loss allowance to noncurrent loans | 578.4091% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 4,488 |
| Noncurrent loans to loans | 0.2109% | 4,275 |
| Net loans and leases to total assets | 82.1202% | 649 |
| Net loans and leases to deposits | 109.3325% | 277 |
| Net loans and leases to core deposits | 128.2661% | 336 |
| Total domestic deposits to total assets | 75.1106% | 5,189 |
| Equity capital to assets | 17.4714% | 364 |
| Core capital (leverage) ratio | 18.3568% | 283 |
| Tier 1 risk-based capital ratio | 20.7521% | 1,231 |
| Total risk-based capital ratio | 21.9560% | 1,215 |
| Memoranda: | ||
| Average total assets | $48,672,670 | 5,278 |
| Average earning assets | $45,039,670 | 5,262 |
| Average equity | $8,676,330 | 4,743 |
| Average total loans | $39,219,670 | 4,838 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 1,051 |
| Cost of funding earning assets | 0.4983% | 2,100 |
| Net interest margin | 4.1402% | 1,120 |
| Noninterest income to average assets | 0.4509% | 3,309 |
| Noninterest expense to average assets | 3.2395% | 1,505 |
| Loan and lease loss provision to assets | 0.0584% | 2,637 |
| Net operating income to assets | 0.7097% | 3,662 |
| Return on assets (ROA) | 0.7097% | 3,704 |
| Pretax return on assets | 0.9685% | 3,501 |
| Return on Equity (ROE) | 3.9402% | 4,802 |
| Retained earnings to average equity (ytd only) | 3.9402% | 3,474 |
| Net charge-offs to loans | -0.0738% | 5,349 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9295% | 1,917 |
| Assets per employee ($millions) | 3.1967% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 2,563 |
| Loan loss allowance to noncurrent loans | 9,740.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 5,317 |
| Noncurrent loans to loans | 0.0133% | 5,188 |
| Net loans and leases to total assets | 77.4453% | 1,207 |
| Net loans and leases to deposits | 94.9623% | 1,023 |
| Net loans and leases to core deposits | 108.0354% | 978 |
| Total domestic deposits to total assets | 81.5537% | 4,285 |
| Equity capital to assets | 18.0876% | 297 |
| Core capital (leverage) ratio | 18.1599% | 277 |
| Tier 1 risk-based capital ratio | 22.2413% | 1,062 |
| Total risk-based capital ratio | 23.4928% | 1,039 |
| Memoranda: | ||
| Average total assets | $47,908,000 | 5,355 |
| Average earning assets | $44,152,500 | 5,342 |
| Average equity | $8,629,000 | 4,785 |
| Average total loans | $37,962,000 | 4,921 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 927 |
| Cost of funding earning assets | 0.4930% | 2,141 |
| Net interest margin | 4.2838% | 957 |
| Noninterest income to average assets | 0.4385% | 3,627 |
| Noninterest expense to average assets | 3.3756% | 1,413 |
| Loan and lease loss provision to assets | 0.1283% | 1,937 |
| Net operating income to assets | 0.4203% | 4,875 |
| Return on assets (ROA) | 0.5476% | 4,544 |
| Pretax return on assets | 1.0739% | 3,201 |
| Return on Equity (ROE) | 3.0256% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.0256% | 3,743 |
| Net charge-offs to loans | 0.0707% | 2,688 |
| Credit loss provision to net charge-offs | 230.7692% | 1,250 |
| Earnings coverage of net charge-offs (x) | 18.0385% | 1,994 |
| Efficiency ratio | 77.0884% | 1,829 |
| Assets per employee ($millions) | 3.4190% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,907 |
| Loan loss allowance to noncurrent loans | 519.7802% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 4,561 |
| Noncurrent loans to loans | 0.2376% | 4,297 |
| Net loans and leases to total assets | 79.0310% | 1,041 |
| Net loans and leases to deposits | 102.6289% | 490 |
| Net loans and leases to core deposits | 117.4887% | 563 |
| Total domestic deposits to total assets | 77.0066% | 5,114 |
| Equity capital to assets | 17.8624% | 311 |
| Core capital (leverage) ratio | 17.5687% | 309 |
| Tier 1 risk-based capital ratio | 21.9873% | 1,083 |
| Total risk-based capital ratio | 23.2037% | 1,063 |
| Memoranda: | ||
| Average total assets | $46,747,200 | 5,410 |
| Average earning assets | $42,998,800 | 5,398 |
| Average equity | $8,461,200 | 4,850 |
| Average total loans | $36,774,600 | 4,990 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 1,224 |
| Cost of funding earning assets | 0.4790% | 2,274 |
| Net interest margin | 4.1582% | 1,232 |
| Noninterest income to average assets | 0.4275% | 3,714 |
| Noninterest expense to average assets | 3.3829% | 1,377 |
| Loan and lease loss provision to assets | 0.1722% | 1,312 |
| Net operating income to assets | 0.4725% | 4,797 |
| Return on assets (ROA) | 0.6513% | 4,200 |
| Pretax return on assets | 0.9756% | 3,720 |
| Return on Equity (ROE) | 3.5864% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.5864% | 3,740 |
| Net charge-offs to loans | 0.0037% | 3,799 |
| Credit loss provision to net charge-offs | 6,000.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 307.7594% | 266 |
| Efficiency ratio | 79.3405% | 1,517 |
| Assets per employee ($millions) | 3.0153% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 3,291 |
| Loan loss allowance to noncurrent loans | 408.1967% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 4,427 |
| Noncurrent loans to loans | 0.2919% | 4,212 |
| Net loans and leases to total assets | 85.5920% | 279 |
| Net loans and leases to deposits | 117.9497% | 134 |
| Net loans and leases to core deposits | 134.7683% | 245 |
| Total domestic deposits to total assets | 72.5665% | 5,556 |
| Equity capital to assets | 17.6768% | 373 |
| Core capital (leverage) ratio | 18.0605% | 298 |
| Tier 1 risk-based capital ratio | 20.4611% | 1,360 |
| Total risk-based capital ratio | 21.6560% | 1,341 |
| Memoranda: | ||
| Average total assets | $46,467,500 | 5,467 |
| Average earning assets | $42,870,000 | 5,456 |
| Average equity | $8,439,000 | 4,905 |
| Average total loans | $36,392,750 | 5,047 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4993% | 1,514 |
| Cost of funding earning assets | 0.4547% | 2,525 |
| Net interest margin | 4.0446% | 1,513 |
| Noninterest income to average assets | 0.4272% | 3,675 |
| Noninterest expense to average assets | 3.4964% | 1,164 |
| Loan and lease loss provision to assets | 0.2616% | 717 |
| Net operating income to assets | 0.3025% | 5,317 |
| Return on assets (ROA) | 0.6147% | 4,334 |
| Pretax return on assets | 0.7978% | 4,288 |
| Return on Equity (ROE) | 3.3534% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.3534% | 3,765 |
| Net charge-offs to loans | 0.0058% | 3,494 |
| Credit loss provision to net charge-offs | 6,000.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 415 |
| Efficiency ratio | 84.2437% | 1,025 |
| Assets per employee ($millions) | 2.9261% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 2,479 |
| Loan loss allowance to noncurrent loans | 465.4206% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 4,579 |
| Noncurrent loans to loans | 0.2926% | 4,320 |
| Net loans and leases to total assets | 77.0366% | 1,331 |
| Net loans and leases to deposits | 103.5307% | 478 |
| Net loans and leases to core deposits | 117.2110% | 604 |
| Total domestic deposits to total assets | 74.4094% | 5,478 |
| Equity capital to assets | 18.0379% | 337 |
| Core capital (leverage) ratio | 18.7500% | 244 |
| Tier 1 risk-based capital ratio | 22.4440% | 1,085 |
| Total risk-based capital ratio | 23.6984% | 1,069 |
| Memoranda: | ||
| Average total assets | $45,875,330 | 5,543 |
| Average earning assets | $42,228,670 | 5,536 |
| Average equity | $8,409,330 | 4,938 |
| Average total loans | $34,593,330 | 5,152 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4525% | 1,649 |
| Cost of funding earning assets | 0.4520% | 2,559 |
| Net interest margin | 4.0005% | 1,614 |
| Noninterest income to average assets | 0.3876% | 3,922 |
| Noninterest expense to average assets | 3.2861% | 1,639 |
| Loan and lease loss provision to assets | 0.2643% | 643 |
| Net operating income to assets | 0.3172% | 5,252 |
| Return on assets (ROA) | 0.3172% | 5,335 |
| Pretax return on assets | 0.5022% | 5,086 |
| Return on Equity (ROE) | 1.7160% | 5,571 |
| Retained earnings to average equity (ytd only) | 1.7160% | 4,583 |
| Net charge-offs to loans | 0.0119% | 2,730 |
| Credit loss provision to net charge-offs | 3,000.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 597 |
| Efficiency ratio | 81.0870% | 1,475 |
| Assets per employee ($millions) | 2.6396% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 2,326 |
| Loan loss allowance to noncurrent loans | 164.7887% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.6329% | 3,161 |
| Noncurrent loans to loans | 0.8627% | 2,686 |
| Net loans and leases to total assets | 72.3158% | 1,982 |
| Net loans and leases to deposits | 89.4090% | 1,650 |
| Net loans and leases to core deposits | 102.3078% | 1,311 |
| Total domestic deposits to total assets | 80.8820% | 4,528 |
| Equity capital to assets | 18.7347% | 277 |
| Core capital (leverage) ratio | 18.3142% | 272 |
| Tier 1 risk-based capital ratio | 24.4139% | 877 |
| Total risk-based capital ratio | 25.6699% | 861 |
| Memoranda: | ||
| Average total assets | $45,404,000 | 5,605 |
| Average earning assets | $41,594,500 | 5,598 |
| Average equity | $8,391,500 | 4,979 |
| Average total loans | $33,607,500 | 5,224 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 1,609 |
| Cost of funding earning assets | 0.4511% | 2,616 |
| Net interest margin | 4.0461% | 1,573 |
| Noninterest income to average assets | 0.2031% | 5,379 |
| Noninterest expense to average assets | 3.1968% | 1,980 |
| Loan and lease loss provision to assets | 0.1711% | 1,340 |
| Net operating income to assets | 0.3721% | 5,133 |
| Return on assets (ROA) | 0.3721% | 5,222 |
| Pretax return on assets | 0.5560% | 4,972 |
| Return on Equity (ROE) | 2.1027% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.1027% | 4,525 |
| Net charge-offs to loans | 0.0324% | 3,572 |
| Credit loss provision to net charge-offs | 727.2727% | 462 |
| Earnings coverage of net charge-offs (x) | 30.9091% | 1,425 |
| Efficiency ratio | 81.4714% | 1,478 |
| Assets per employee ($millions) | 2.8709% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 3,025 |
| Loan loss allowance to noncurrent loans | 7,300.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 5,478 |
| Noncurrent loans to loans | 0.0175% | 5,453 |
| Net loans and leases to total assets | 73.7101% | 1,774 |
| Net loans and leases to deposits | 93.2625% | 1,279 |
| Net loans and leases to core deposits | 106.0050% | 1,097 |
| Total domestic deposits to total assets | 79.0351% | 4,973 |
| Equity capital to assets | 18.2349% | 298 |
| Core capital (leverage) ratio | 17.1195% | 352 |
| Tier 1 risk-based capital ratio | 20.9744% | 1,307 |
| Total risk-based capital ratio | 22.0858% | 1,301 |
| Memoranda: | ||
| Average total assets | $46,766,200 | 5,614 |
| Average earning assets | $43,004,800 | 5,609 |
| Average equity | $8,275,000 | 5,011 |
| Average total loans | $33,919,800 | 5,227 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 2,029 |
| Cost of funding earning assets | 0.4362% | 2,838 |
| Net interest margin | 3.9292% | 1,937 |
| Noninterest income to average assets | 0.1959% | 5,477 |
| Noninterest expense to average assets | 3.2301% | 1,886 |
| Loan and lease loss provision to assets | 0.1419% | 1,560 |
| Net operating income to assets | 0.3236% | 5,389 |
| Return on assets (ROA) | 0.3236% | 5,469 |
| Pretax return on assets | 0.4541% | 5,339 |
| Return on Equity (ROE) | 1.8425% | 5,699 |
| Retained earnings to average equity (ytd only) | 1.8425% | 4,957 |
| Net charge-offs to loans | 0.0434% | 3,026 |
| Credit loss provision to net charge-offs | 454.5455% | 695 |
| Earnings coverage of net charge-offs (x) | 19.0859% | 1,966 |
| Efficiency ratio | 84.4214% | 1,128 |
| Assets per employee ($millions) | 3.0620% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 4,283 |
| Loan loss allowance to noncurrent loans | 438.7097% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 4,991 |
| Noncurrent loans to loans | 0.2486% | 4,683 |
| Net loans and leases to total assets | 75.5348% | 1,452 |
| Net loans and leases to deposits | 109.3978% | 263 |
| Net loans and leases to core deposits | 126.5725% | 327 |
| Total domestic deposits to total assets | 69.0460% | 6,006 |
| Equity capital to assets | 16.9905% | 433 |
| Core capital (leverage) ratio | 17.0096% | 381 |
| Tier 1 risk-based capital ratio | 19.8244% | 1,594 |
| Total risk-based capital ratio | 20.8059% | 1,620 |
| Memoranda: | ||
| Average total assets | $46,974,250 | 5,680 |
| Average earning assets | $43,400,750 | 5,671 |
| Average equity | $8,249,750 | 5,080 |
| Average total loans | $33,825,750 | 5,291 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2526% | 2,346 |
| Cost of funding earning assets | 0.4262% | 2,972 |
| Net interest margin | 3.8264% | 2,216 |
| Noninterest income to average assets | 0.1857% | 5,579 |
| Noninterest expense to average assets | 3.4383% | 1,399 |
| Loan and lease loss provision to assets | 0.1296% | 1,711 |
| Net operating income to assets | 0.0432% | 5,945 |
| Return on assets (ROA) | 0.0432% | 5,987 |
| Pretax return on assets | 0.1469% | 5,884 |
| Return on Equity (ROE) | 0.2432% | 5,998 |
| Retained earnings to average equity (ytd only) | 0.2432% | 5,434 |
| Net charge-offs to loans | 0.0123% | 3,488 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,311 |
| Efficiency ratio | 92.5581% | 611 |
| Assets per employee ($millions) | 2.7321% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 3,913 |
| Loan loss allowance to noncurrent loans | 583.8235% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 5,282 |
| Noncurrent loans to loans | 0.2019% | 4,961 |
| Net loans and leases to total assets | 71.6633% | 2,051 |
| Net loans and leases to deposits | 95.0238% | 1,048 |
| Net loans and leases to core deposits | 113.0993% | 705 |
| Total domestic deposits to total assets | 75.4161% | 5,659 |
| Equity capital to assets | 17.7048% | 364 |
| Core capital (leverage) ratio | 17.7451% | 309 |
| Tier 1 risk-based capital ratio | 23.8370% | 975 |
| Total risk-based capital ratio | 25.0000% | 967 |
| Memoranda: | ||
| Average total assets | $46,301,670 | 5,761 |
| Average earning assets | $42,703,670 | 5,748 |
| Average equity | $8,225,000 | 5,120 |
| Average total loans | $32,629,670 | 5,385 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 2,166 |
| Cost of funding earning assets | 0.4241% | 3,018 |
| Net interest margin | 3.8545% | 2,048 |
| Noninterest income to average assets | 0.2423% | 5,235 |
| Noninterest expense to average assets | 3.3917% | 1,507 |
| Loan and lease loss provision to assets | 0.1298% | 1,598 |
| Net operating income to assets | 0.1038% | 5,866 |
| Return on assets (ROA) | 0.1038% | 5,925 |
| Pretax return on assets | 0.2596% | 5,735 |
| Return on Equity (ROE) | 0.5835% | 5,976 |
| Retained earnings to average equity (ytd only) | 0.5835% | 5,197 |
| Net charge-offs to loans | 0.0249% | 2,666 |
| Credit loss provision to net charge-offs | 750.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,351 |
| Efficiency ratio | 89.7025% | 869 |
| Assets per employee ($millions) | 2.6526% | 6,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 3,740 |
| Loan loss allowance to noncurrent loans | 3,472.7273% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 5,843 |
| Noncurrent loans to loans | 0.0357% | 5,649 |
| Net loans and leases to total assets | 67.4753% | 2,533 |
| Net loans and leases to deposits | 84.0552% | 2,064 |
| Net loans and leases to core deposits | 98.1295% | 1,460 |
| Total domestic deposits to total assets | 80.2750% | 4,999 |
| Equity capital to assets | 18.2481% | 312 |
| Core capital (leverage) ratio | 17.5958% | 315 |
| Tier 1 risk-based capital ratio | 25.5268% | 832 |
| Total risk-based capital ratio | 26.7248% | 819 |
| Memoranda: | ||
| Average total assets | $46,230,000 | 5,812 |
| Average earning assets | $42,444,000 | 5,800 |
| Average equity | $8,226,000 | 5,155 |
| Average total loans | $32,104,000 | 5,437 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 2,892 |
| Cost of funding earning assets | 0.3906% | 3,786 |
| Net interest margin | 3.8271% | 2,520 |
| Noninterest income to average assets | 0.3023% | 4,952 |
| Noninterest expense to average assets | 3.1286% | 2,427 |
| Loan and lease loss provision to assets | 0.0932% | 2,603 |
| Net operating income to assets | 0.3789% | 5,294 |
| Return on assets (ROA) | 0.3789% | 5,364 |
| Pretax return on assets | 0.6108% | 4,908 |
| Return on Equity (ROE) | 2.2534% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.2534% | 4,638 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6316% | 1,704 |
| Assets per employee ($millions) | 2.6314% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 4,517 |
| Loan loss allowance to noncurrent loans | 318.1034% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 5,047 |
| Noncurrent loans to loans | 0.3473% | 4,615 |
| Net loans and leases to total assets | 69.7329% | 2,272 |
| Net loans and leases to deposits | 90.4433% | 1,475 |
| Net loans and leases to core deposits | 106.1650% | 1,012 |
| Total domestic deposits to total assets | 77.1012% | 5,584 |
| Equity capital to assets | 17.3609% | 382 |
| Core capital (leverage) ratio | 16.2851% | 441 |
| Tier 1 risk-based capital ratio | 25.0054% | 839 |
| Total risk-based capital ratio | 26.1403% | 833 |
| Memoranda: | ||
| Average total assets | $48,295,600 | 5,827 |
| Average earning assets | $44,551,200 | 5,814 |
| Average equity | $8,121,000 | 5,173 |
| Average total loans | $31,414,800 | 5,511 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0498% | 3,561 |
| Cost of funding earning assets | 0.3800% | 4,016 |
| Net interest margin | 3.6697% | 3,154 |
| Noninterest income to average assets | 0.3050% | 5,002 |
| Noninterest expense to average assets | 3.1046% | 2,459 |
| Loan and lease loss provision to assets | 0.0824% | 2,704 |
| Net operating income to assets | 0.3269% | 5,505 |
| Return on assets (ROA) | 0.3269% | 5,572 |
| Pretax return on assets | 0.5138% | 5,291 |
| Return on Equity (ROE) | 1.9599% | 5,856 |
| Retained earnings to average equity (ytd only) | 1.9599% | 5,080 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8901% | 1,399 |
| Assets per employee ($millions) | 2.9644% | 5,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 5,338 |
| Loan loss allowance to noncurrent loans | 804.5455% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 5,812 |
| Noncurrent loans to loans | 0.1208% | 5,565 |
| Net loans and leases to total assets | 71.5859% | 1,921 |
| Net loans and leases to deposits | 101.6111% | 518 |
| Net loans and leases to core deposits | 119.5764% | 405 |
| Total domestic deposits to total assets | 70.4508% | 6,263 |
| Equity capital to assets | 16.1904% | 534 |
| Core capital (leverage) ratio | 16.2188% | 450 |
| Tier 1 risk-based capital ratio | 22.9757% | 1,116 |
| Total risk-based capital ratio | 23.9843% | 1,132 |
| Memoranda: | ||
| Average total assets | $48,528,250 | 5,888 |
| Average earning assets | $44,906,750 | 5,870 |
| Average equity | $8,095,500 | 5,219 |
| Average total loans | $30,919,000 | 5,588 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 4,144 |
| Cost of funding earning assets | 0.3788% | 4,114 |
| Net interest margin | 3.5176% | 3,707 |
| Noninterest income to average assets | 0.2547% | 5,371 |
| Noninterest expense to average assets | 3.1061% | 2,468 |
| Loan and lease loss provision to assets | 0.0626% | 3,018 |
| Net operating income to assets | 0.1879% | 5,870 |
| Return on assets (ROA) | 0.1879% | 5,919 |
| Pretax return on assets | 0.3423% | 5,693 |
| Return on Equity (ROE) | 1.1146% | 6,037 |
| Retained earnings to average equity (ytd only) | 1.1146% | 5,311 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4661% | 1,044 |
| Assets per employee ($millions) | 2.8794% | 5,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 5,049 |
| Loan loss allowance to noncurrent loans | 111.4754% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 4,101 |
| Noncurrent loans to loans | 0.9545% | 3,337 |
| Net loans and leases to total assets | 64.5822% | 2,988 |
| Net loans and leases to deposits | 88.4131% | 1,546 |
| Net loans and leases to core deposits | 101.4603% | 1,175 |
| Total domestic deposits to total assets | 73.0460% | 6,185 |
| Equity capital to assets | 16.5169% | 476 |
| Core capital (leverage) ratio | 16.8673% | 373 |
| Tier 1 risk-based capital ratio | 25.5356% | 821 |
| Total risk-based capital ratio | 26.6228% | 817 |
| Memoranda: | ||
| Average total assets | $47,906,330 | 5,954 |
| Average earning assets | $44,348,330 | 5,941 |
| Average equity | $8,074,330 | 5,257 |
| Average total loans | $29,082,330 | 5,692 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 4,183 |
| Cost of funding earning assets | 0.3915% | 4,071 |
| Net interest margin | 3.4872% | 3,752 |
| Noninterest income to average assets | 0.2026% | 5,733 |
| Noninterest expense to average assets | 3.1318% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1857% | 5,838 |
| Return on assets (ROA) | 0.1857% | 5,881 |
| Pretax return on assets | 0.3039% | 5,708 |
| Return on Equity (ROE) | 1.0906% | 6,019 |
| Retained earnings to average equity (ytd only) | 1.0906% | 5,166 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1548% | 936 |
| Assets per employee ($millions) | 2.7576% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 4,813 |
| Loan loss allowance to noncurrent loans | 1,911.7647% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 6,052 |
| Noncurrent loans to loans | 0.0608% | 5,968 |
| Net loans and leases to total assets | 58.9411% | 3,710 |
| Net loans and leases to deposits | 72.4576% | 3,275 |
| Net loans and leases to core deposits | 83.2962% | 2,602 |
| Total domestic deposits to total assets | 81.3456% | 5,140 |
| Equity capital to assets | 17.2401% | 372 |
| Core capital (leverage) ratio | 16.8102% | 384 |
| Tier 1 risk-based capital ratio | 25.7716% | 808 |
| Total risk-based capital ratio | 26.8230% | 809 |
| Memoranda: | ||
| Average total assets | $47,384,500 | 6,029 |
| Average earning assets | $43,932,000 | 6,004 |
| Average equity | $8,069,000 | 5,274 |
| Average total loans | $27,647,000 | 5,821 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9689% | 4,202 |
| Cost of funding earning assets | 0.4494% | 4,123 |
| Net interest margin | 3.5195% | 3,810 |
| Noninterest income to average assets | 0.2588% | 5,496 |
| Noninterest expense to average assets | 3.0372% | 2,939 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3224% | 5,446 |
| Return on assets (ROA) | 0.3224% | 5,545 |
| Pretax return on assets | 0.4772% | 5,270 |
| Return on Equity (ROE) | 1.9007% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.9007% | 4,883 |
| Net charge-offs to loans | -0.0037% | 5,899 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4212% | 1,372 |
| Assets per employee ($millions) | 2.8171% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 4,719 |
| Loan loss allowance to noncurrent loans | 312.5000% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 5,564 |
| Noncurrent loans to loans | 0.3804% | 5,052 |
| Net loans and leases to total assets | 56.4063% | 4,257 |
| Net loans and leases to deposits | 69.7992% | 3,809 |
| Net loans and leases to core deposits | 79.9816% | 3,138 |
| Total domestic deposits to total assets | 80.8123% | 5,237 |
| Equity capital to assets | 16.8219% | 418 |
| Core capital (leverage) ratio | 16.5239% | 416 |
| Tier 1 risk-based capital ratio | 26.1014% | 766 |
| Total risk-based capital ratio | 27.1691% | 760 |
| Memoranda: | ||
| Average total assets | $47,149,000 | 6,091 |
| Average earning assets | $43,614,200 | 6,062 |
| Average equity | $7,997,200 | 5,334 |
| Average total loans | $26,870,000 | 5,894 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 4,358 |
| Cost of funding earning assets | 0.4607% | 4,163 |
| Net interest margin | 3.4768% | 3,987 |
| Noninterest income to average assets | 0.2640% | 5,558 |
| Noninterest expense to average assets | 3.0093% | 2,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3237% | 5,525 |
| Return on assets (ROA) | 0.3237% | 5,646 |
| Pretax return on assets | 0.4684% | 5,450 |
| Return on Equity (ROE) | 1.9042% | 5,972 |
| Retained earnings to average equity (ytd only) | 1.9042% | 5,174 |
| Net charge-offs to loans | -0.0050% | 5,783 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5306% | 1,316 |
| Assets per employee ($millions) | 2.7949% | 6,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 5,338 |
| Loan loss allowance to noncurrent loans | 396.3415% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 5,858 |
| Noncurrent loans to loans | 0.2769% | 5,541 |
| Net loans and leases to total assets | 61.6345% | 3,431 |
| Net loans and leases to deposits | 77.3835% | 2,761 |
| Net loans and leases to core deposits | 89.8671% | 1,979 |
| Total domestic deposits to total assets | 79.6481% | 5,593 |
| Equity capital to assets | 16.9003% | 430 |
| Core capital (leverage) ratio | 16.7411% | 410 |
| Tier 1 risk-based capital ratio | 24.2852% | 957 |
| Total risk-based capital ratio | 25.2833% | 983 |
| Memoranda: | ||
| Average total assets | $46,963,750 | 6,166 |
| Average earning assets | $43,411,000 | 6,137 |
| Average equity | $7,982,500 | 5,393 |
| Average total loans | $26,753,000 | 5,955 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 4,678 |
| Cost of funding earning assets | 0.4625% | 4,286 |
| Net interest margin | 3.3806% | 4,263 |
| Noninterest income to average assets | 0.2608% | 5,593 |
| Noninterest expense to average assets | 3.0397% | 2,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2138% | 5,854 |
| Return on assets (ROA) | 0.2138% | 5,988 |
| Pretax return on assets | 0.3463% | 5,760 |
| Return on Equity (ROE) | 1.2552% | 6,153 |
| Retained earnings to average equity (ytd only) | 1.2552% | 5,395 |
| Net charge-offs to loans | -0.0078% | 5,719 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7727% | 1,065 |
| Assets per employee ($millions) | 2.5673% | 6,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 5,287 |
| Loan loss allowance to noncurrent loans | 405.0000% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 5,907 |
| Noncurrent loans to loans | 0.2809% | 5,600 |
| Net loans and leases to total assets | 60.9366% | 3,494 |
| Net loans and leases to deposits | 76.9231% | 2,739 |
| Net loans and leases to core deposits | 87.2043% | 2,207 |
| Total domestic deposits to total assets | 79.2175% | 5,770 |
| Equity capital to assets | 17.2791% | 394 |
| Core capital (leverage) ratio | 16.8471% | 385 |
| Tier 1 risk-based capital ratio | 24.9984% | 873 |
| Total risk-based capital ratio | 26.0311% | 885 |
| Memoranda: | ||
| Average total assets | $46,780,330 | 6,215 |
| Average earning assets | $43,246,330 | 6,180 |
| Average equity | $7,966,670 | 5,439 |
| Average total loans | $25,800,670 | 6,031 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6842% | 5,216 |
| Cost of funding earning assets | 0.4789% | 4,289 |
| Net interest margin | 3.2053% | 4,918 |
| Noninterest income to average assets | 0.2635% | 5,575 |
| Noninterest expense to average assets | 2.9491% | 3,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1700% | 5,981 |
| Return on assets (ROA) | 0.1700% | 6,082 |
| Pretax return on assets | 0.2720% | 5,914 |
| Return on Equity (ROE) | 1.0053% | 6,220 |
| Retained earnings to average equity (ytd only) | 1.0053% | 5,446 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5567% | 1,021 |
| Assets per employee ($millions) | 2.8952% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 4,765 |
| Loan loss allowance to noncurrent loans | 498.4615% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 6,088 |
| Noncurrent loans to loans | 0.2584% | 5,765 |
| Net loans and leases to total assets | 53.6062% | 4,475 |
| Net loans and leases to deposits | 65.0410% | 4,178 |
| Net loans and leases to core deposits | 73.0331% | 3,700 |
| Total domestic deposits to total assets | 82.4191% | 5,055 |
| Equity capital to assets | 17.2161% | 406 |
| Core capital (leverage) ratio | 16.5058% | 402 |
| Tier 1 risk-based capital ratio | 27.7057% | 657 |
| Total risk-based capital ratio | 28.8546% | 655 |
| Memoranda: | ||
| Average total assets | $47,064,500 | 6,266 |
| Average earning assets | $43,428,500 | 6,232 |
| Average equity | $7,957,500 | 5,493 |
| Average total loans | $24,459,000 | 6,151 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 4,969 |
| Cost of funding earning assets | 0.5698% | 4,647 |
| Net interest margin | 3.5251% | 4,395 |
| Noninterest income to average assets | 0.2396% | 5,734 |
| Noninterest expense to average assets | 2.8947% | 3,663 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4072% | 5,073 |
| Return on assets (ROA) | 0.4072% | 5,325 |
| Pretax return on assets | 0.5726% | 5,072 |
| Return on Equity (ROE) | 2.4530% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.4530% | 4,512 |
| Net charge-offs to loans | 0.0205% | 5,619 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 644 |
| Efficiency ratio | 83.4862% | 1,688 |
| Assets per employee ($millions) | 2.9879% | 6,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 4,340 |
| Loan loss allowance to noncurrent loans | 348.3871% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 6,077 |
| Noncurrent loans to loans | 0.3914% | 5,515 |
| Net loans and leases to total assets | 49.0273% | 5,303 |
| Net loans and leases to deposits | 61.2742% | 4,870 |
| Net loans and leases to core deposits | 69.7560% | 4,348 |
| Total domestic deposits to total assets | 80.0130% | 5,660 |
| Equity capital to assets | 16.6088% | 465 |
| Core capital (leverage) ratio | 16.1995% | 427 |
| Tier 1 risk-based capital ratio | 26.5587% | 728 |
| Total risk-based capital ratio | 27.6632% | 726 |
| Memoranda: | ||
| Average total assets | $47,155,200 | 6,285 |
| Average earning assets | $43,176,400 | 6,265 |
| Average equity | $7,827,200 | 5,549 |
| Average total loans | $24,339,000 | 6,228 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 5,290 |
| Cost of funding earning assets | 0.5829% | 4,808 |
| Net interest margin | 3.4880% | 4,688 |
| Noninterest income to average assets | 0.2327% | 5,885 |
| Noninterest expense to average assets | 2.8373% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4341% | 5,103 |
| Return on assets (ROA) | 0.4341% | 5,339 |
| Pretax return on assets | 0.5873% | 5,209 |
| Return on Equity (ROE) | 2.6156% | 5,841 |
| Retained earnings to average equity (ytd only) | 2.6156% | 4,998 |
| Net charge-offs to loans | 0.0272% | 5,280 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 41.3778% | 860 |
| Efficiency ratio | 82.8500% | 1,720 |
| Assets per employee ($millions) | 3.2685% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 5,541 |
| Loan loss allowance to noncurrent loans | 6,480.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 6,757 |
| Noncurrent loans to loans | 0.0177% | 6,601 |
| Net loans and leases to total assets | 57.1102% | 4,278 |
| Net loans and leases to deposits | 77.8340% | 2,685 |
| Net loans and leases to core deposits | 89.5541% | 2,044 |
| Total domestic deposits to total assets | 73.3744% | 6,648 |
| Equity capital to assets | 16.1520% | 576 |
| Core capital (leverage) ratio | 16.2377% | 451 |
| Tier 1 risk-based capital ratio | 23.1633% | 1,147 |
| Total risk-based capital ratio | 24.1313% | 1,164 |
| Memoranda: | ||
| Average total assets | $46,992,500 | 6,365 |
| Average earning assets | $43,003,500 | 6,340 |
| Average equity | $7,799,000 | 5,611 |
| Average total loans | $24,483,250 | 6,308 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9464% | 5,792 |
| Cost of funding earning assets | 0.6064% | 4,851 |
| Net interest margin | 3.3400% | 5,304 |
| Noninterest income to average assets | 0.2375% | 5,867 |
| Noninterest expense to average assets | 2.8674% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3066% | 5,592 |
| Return on assets (ROA) | 0.3066% | 5,797 |
| Pretax return on assets | 0.4621% | 5,542 |
| Return on Equity (ROE) | 1.8301% | 6,094 |
| Retained earnings to average equity (ytd only) | 1.8301% | 5,283 |
| Net charge-offs to loans | -0.0086% | 6,254 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1219% | 1,420 |
| Assets per employee ($millions) | 3.1862% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 5,047 |
| Loan loss allowance to noncurrent loans | 970.5882% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 6,305 |
| Noncurrent loans to loans | 0.1305% | 6,336 |
| Net loans and leases to total assets | 53.8133% | 4,837 |
| Net loans and leases to deposits | 68.8226% | 4,071 |
| Net loans and leases to core deposits | 78.6634% | 3,421 |
| Total domestic deposits to total assets | 78.1914% | 6,119 |
| Equity capital to assets | 16.3392% | 529 |
| Core capital (leverage) ratio | 16.6652% | 394 |
| Tier 1 risk-based capital ratio | 25.0139% | 900 |
| Total risk-based capital ratio | 26.0898% | 902 |
| Memoranda: | ||
| Average total assets | $46,314,000 | 6,431 |
| Average earning assets | $42,874,670 | 6,385 |
| Average equity | $7,759,000 | 5,638 |
| Average total loans | $23,203,000 | 6,406 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 6,093 |
| Cost of funding earning assets | 0.6067% | 5,076 |
| Net interest margin | 3.2611% | 5,606 |
| Noninterest income to average assets | 0.2809% | 5,618 |
| Noninterest expense to average assets | 2.9139% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2458% | 5,838 |
| Return on assets (ROA) | 0.2458% | 5,984 |
| Pretax return on assets | 0.3862% | 5,758 |
| Return on Equity (ROE) | 1.4482% | 6,236 |
| Retained earnings to average equity (ytd only) | 1.4482% | 5,510 |
| Net charge-offs to loans | -0.0184% | 6,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2979% | 1,252 |
| Assets per employee ($millions) | 3.0079% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 4,263 |
| Loan loss allowance to noncurrent loans | 4,112.5000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 6,868 |
| Noncurrent loans to loans | 0.0360% | 6,671 |
| Net loans and leases to total assets | 48.5793% | 5,478 |
| Net loans and leases to deposits | 59.1308% | 5,265 |
| Net loans and leases to core deposits | 67.4753% | 4,734 |
| Total domestic deposits to total assets | 82.1557% | 5,240 |
| Equity capital to assets | 17.1860% | 403 |
| Core capital (leverage) ratio | 16.6532% | 396 |
| Tier 1 risk-based capital ratio | 29.8856% | 527 |
| Total risk-based capital ratio | 31.1354% | 518 |
| Memoranda: | ||
| Average total assets | $45,574,500 | 6,494 |
| Average earning assets | $42,194,000 | 6,449 |
| Average equity | $7,734,000 | 5,679 |
| Average total loans | $21,780,000 | 6,525 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2051% | 6,034 |
| Cost of funding earning assets | 0.7367% | 5,298 |
| Net interest margin | 3.4684% | 5,260 |
| Noninterest income to average assets | 0.2960% | 5,413 |
| Noninterest expense to average assets | 2.9461% | 3,789 |
| Loan and lease loss provision to assets | 0.1121% | 5,189 |
| Net operating income to assets | 0.2982% | 5,261 |
| Return on assets (ROA) | 0.3834% | 5,109 |
| Pretax return on assets | 0.5740% | 4,770 |
| Return on Equity (ROE) | 2.2444% | 5,564 |
| Retained earnings to average equity (ytd only) | 2.2444% | 4,614 |
| Net charge-offs to loans | 0.1964% | 4,573 |
| Credit loss provision to net charge-offs | 113.6364% | 2,887 |
| Earnings coverage of net charge-offs (x) | 6.0909% | 2,599 |
| Efficiency ratio | 83.0594% | 1,877 |
| Assets per employee ($millions) | 3.0687% | 5,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 3,816 |
| Loan loss allowance to noncurrent loans | 587.5000% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 6,649 |
| Noncurrent loans to loans | 0.2628% | 6,200 |
| Net loans and leases to total assets | 45.5867% | 6,046 |
| Net loans and leases to deposits | 55.0328% | 5,976 |
| Net loans and leases to core deposits | 61.6614% | 5,687 |
| Total domestic deposits to total assets | 82.8355% | 4,816 |
| Equity capital to assets | 16.7583% | 482 |
| Core capital (leverage) ratio | 16.6974% | 392 |
| Tier 1 risk-based capital ratio | 30.5995% | 487 |
| Total risk-based capital ratio | 31.8879% | 476 |
| Memoranda: | ||
| Average total assets | $44,602,000 | 6,516 |
| Average earning assets | $41,806,000 | 6,471 |
| Average equity | $7,619,000 | 5,683 |
| Average total loans | $22,408,000 | 6,534 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 6,092 |
| Cost of funding earning assets | 0.7665% | 5,356 |
| Net interest margin | 3.4797% | 5,271 |
| Noninterest income to average assets | 0.2953% | 5,497 |
| Noninterest expense to average assets | 2.8839% | 4,000 |
| Loan and lease loss provision to assets | 0.1055% | 5,126 |
| Net operating income to assets | 0.3556% | 5,183 |
| Return on assets (ROA) | 0.3556% | 5,368 |
| Pretax return on assets | 0.5756% | 4,895 |
| Return on Equity (ROE) | 2.0714% | 5,750 |
| Retained earnings to average equity (ytd only) | 2.0714% | 5,101 |
| Net charge-offs to loans | 0.1999% | 4,200 |
| Credit loss provision to net charge-offs | 102.9412% | 3,236 |
| Earnings coverage of net charge-offs (x) | 6.6475% | 2,515 |
| Efficiency ratio | 80.8960% | 2,125 |
| Assets per employee ($millions) | 2.7923% | 6,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 4,552 |
| Loan loss allowance to noncurrent loans | 1,117.2414% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 6,612 |
| Noncurrent loans to loans | 0.1256% | 6,623 |
| Net loans and leases to total assets | 50.9692% | 5,584 |
| Net loans and leases to deposits | 61.9215% | 5,411 |
| Net loans and leases to core deposits | 69.9806% | 4,949 |
| Total domestic deposits to total assets | 82.3127% | 4,971 |
| Equity capital to assets | 17.1658% | 469 |
| Core capital (leverage) ratio | 16.9306% | 407 |
| Tier 1 risk-based capital ratio | 28.9695% | 599 |
| Total risk-based capital ratio | 30.2130% | 586 |
| Memoranda: | ||
| Average total assets | $44,244,750 | 6,585 |
| Average earning assets | $41,574,000 | 6,527 |
| Average equity | $7,595,250 | 5,727 |
| Average total loans | $22,681,750 | 6,590 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 6,253 |
| Cost of funding earning assets | 0.7810% | 5,508 |
| Net interest margin | 3.4325% | 5,434 |
| Noninterest income to average assets | 0.2857% | 5,598 |
| Noninterest expense to average assets | 2.9115% | 3,978 |
| Loan and lease loss provision to assets | 0.0907% | 5,183 |
| Net operating income to assets | 0.2902% | 5,408 |
| Return on assets (ROA) | 0.2902% | 5,546 |
| Pretax return on assets | 0.5125% | 5,021 |
| Return on Equity (ROE) | 1.6907% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.6907% | 5,148 |
| Net charge-offs to loans | 0.2129% | 3,859 |
| Credit loss provision to net charge-offs | 83.3333% | 3,669 |
| Earnings coverage of net charge-offs (x) | 5.5417% | 2,590 |
| Efficiency ratio | 82.8387% | 1,975 |
| Assets per employee ($millions) | 2.5923% | 6,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 4,797 |
| Loan loss allowance to noncurrent loans | 354.4444% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 6,283 |
| Noncurrent loans to loans | 0.3828% | 6,139 |
| Net loans and leases to total assets | 52.6266% | 5,485 |
| Net loans and leases to deposits | 64.0681% | 5,264 |
| Net loans and leases to core deposits | 72.6293% | 4,742 |
| Total domestic deposits to total assets | 82.1416% | 5,118 |
| Equity capital to assets | 17.2593% | 459 |
| Core capital (leverage) ratio | 16.9909% | 404 |
| Tier 1 risk-based capital ratio | 29.1414% | 586 |
| Total risk-based capital ratio | 30.3819% | 577 |
| Memoranda: | ||
| Average total assets | $44,101,000 | 6,644 |
| Average earning assets | $41,486,000 | 6,585 |
| Average equity | $7,570,670 | 5,742 |
| Average total loans | $22,544,000 | 6,659 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 6,461 |
| Cost of funding earning assets | 0.7955% | 5,596 |
| Net interest margin | 3.3257% | 5,691 |
| Noninterest income to average assets | 0.2720% | 5,729 |
| Noninterest expense to average assets | 2.9286% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3083% | 5,369 |
| Return on assets (ROA) | 0.3083% | 5,440 |
| Pretax return on assets | 0.4896% | 5,060 |
| Return on Equity (ROE) | 1.8006% | 5,866 |
| Retained earnings to average equity (ytd only) | 1.8006% | 5,038 |
| Net charge-offs to loans | 0.0544% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,200 |
| Efficiency ratio | 85.6764% | 1,750 |
| Assets per employee ($millions) | 2.6114% | 6,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 4,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 6,858 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 47.8894% | 6,090 |
| Net loans and leases to deposits | 58.3329% | 5,896 |
| Net loans and leases to core deposits | 63.2795% | 5,805 |
| Total domestic deposits to total assets | 82.0967% | 5,272 |
| Equity capital to assets | 17.0564% | 437 |
| Core capital (leverage) ratio | 16.3964% | 445 |
| Tier 1 risk-based capital ratio | 27.2078% | 689 |
| Total risk-based capital ratio | 28.3745% | 680 |
| Memoranda: | ||
| Average total assets | $44,117,000 | 6,689 |
| Average earning assets | $41,736,000 | 6,625 |
| Average equity | $7,553,000 | 5,760 |
| Average total loans | $22,060,500 | 6,738 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 5,775 |
| Cost of funding earning assets | 1.0673% | 5,333 |
| Net interest margin | 3.6418% | 4,614 |
| Noninterest income to average assets | 0.2787% | 5,787 |
| Noninterest expense to average assets | 2.9904% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4916% | 4,141 |
| Return on assets (ROA) | 0.4916% | 4,298 |
| Pretax return on assets | 0.7589% | 3,762 |
| Return on Equity (ROE) | 2.9313% | 4,985 |
| Retained earnings to average equity (ytd only) | 2.9313% | 3,808 |
| Net charge-offs to loans | 0.0214% | 6,599 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 358 |
| Efficiency ratio | 79.7583% | 2,448 |
| Assets per employee ($millions) | 2.5788% | 6,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 4,362 |
| Loan loss allowance to noncurrent loans | 183.5227% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 6,265 |
| Noncurrent loans to loans | 0.7808% | 5,477 |
| Net loans and leases to total assets | 50.6797% | 6,085 |
| Net loans and leases to deposits | 63.5272% | 5,677 |
| Net loans and leases to core deposits | 70.4595% | 5,406 |
| Total domestic deposits to total assets | 79.7765% | 5,892 |
| Equity capital to assets | 17.1852% | 439 |
| Core capital (leverage) ratio | 16.3303% | 470 |
| Tier 1 risk-based capital ratio | 26.4660% | 712 |
| Total risk-based capital ratio | 27.6167% | 708 |
| Memoranda: | ||
| Average total assets | $44,141,000 | 6,724 |
| Average earning assets | $42,067,400 | 6,637 |
| Average equity | $7,402,800 | 5,910 |
| Average total loans | $23,324,800 | 6,759 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 6,204 |
| Cost of funding earning assets | 1.1002% | 5,416 |
| Net interest margin | 3.5466% | 5,119 |
| Noninterest income to average assets | 0.2714% | 5,945 |
| Noninterest expense to average assets | 2.9883% | 3,791 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4342% | 4,611 |
| Return on assets (ROA) | 0.4342% | 4,789 |
| Pretax return on assets | 0.6755% | 4,319 |
| Return on Equity (ROE) | 2.6052% | 5,388 |
| Retained earnings to average equity (ytd only) | 2.6052% | 4,596 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5638% | 2,118 |
| Assets per employee ($millions) | 2.6355% | 6,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 5,666 |
| Loan loss allowance to noncurrent loans | 183.2402% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 6,418 |
| Noncurrent loans to loans | 0.6328% | 5,943 |
| Net loans and leases to total assets | 62.3998% | 4,446 |
| Net loans and leases to deposits | 82.9191% | 2,925 |
| Net loans and leases to core deposits | 91.9215% | 2,814 |
| Total domestic deposits to total assets | 75.2539% | 6,775 |
| Equity capital to assets | 16.6663% | 560 |
| Core capital (leverage) ratio | 16.3988% | 501 |
| Tier 1 risk-based capital ratio | 22.4234% | 1,147 |
| Total risk-based capital ratio | 23.4229% | 1,150 |
| Memoranda: | ||
| Average total assets | $44,216,250 | 6,809 |
| Average earning assets | $42,292,500 | 6,713 |
| Average equity | $7,370,000 | 5,994 |
| Average total loans | $23,520,750 | 6,840 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 6,682 |
| Cost of funding earning assets | 1.1257% | 5,546 |
| Net interest margin | 3.3864% | 5,690 |
| Noninterest income to average assets | 0.2953% | 5,783 |
| Noninterest expense to average assets | 2.9668% | 3,830 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3635% | 4,917 |
| Return on assets (ROA) | 0.3635% | 5,075 |
| Pretax return on assets | 0.5679% | 4,678 |
| Return on Equity (ROE) | 2.1805% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.1805% | 4,757 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9332% | 1,927 |
| Assets per employee ($millions) | 2.4574% | 7,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 4,923 |
| Loan loss allowance to noncurrent loans | 123.7736% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 5,995 |
| Noncurrent loans to loans | 1.0498% | 5,214 |
| Net loans and leases to total assets | 56.3277% | 5,651 |
| Net loans and leases to deposits | 74.8004% | 4,551 |
| Net loans and leases to core deposits | 82.6730% | 4,321 |
| Total domestic deposits to total assets | 75.3041% | 6,810 |
| Equity capital to assets | 16.7247% | 566 |
| Core capital (leverage) ratio | 16.8200% | 460 |
| Tier 1 risk-based capital ratio | 24.2633% | 915 |
| Total risk-based capital ratio | 25.3542% | 913 |
| Memoranda: | ||
| Average total assets | $44,020,670 | 6,866 |
| Average earning assets | $42,109,000 | 6,774 |
| Average equity | $7,337,670 | 6,018 |
| Average total loans | $21,932,670 | 6,965 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5201% | 6,752 |
| Cost of funding earning assets | 1.2041% | 5,387 |
| Net interest margin | 3.3160% | 5,908 |
| Noninterest income to average assets | 0.3006% | 5,745 |
| Noninterest expense to average assets | 3.0059% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2824% | 5,361 |
| Return on assets (ROA) | 0.2824% | 5,494 |
| Pretax return on assets | 0.4554% | 5,109 |
| Return on Equity (ROE) | 1.6969% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.6969% | 5,092 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8421% | 1,704 |
| Assets per employee ($millions) | 2.5281% | 7,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 3,316 |
| Loan loss allowance to noncurrent loans | 1,640.0000% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 7,372 |
| Noncurrent loans to loans | 0.0995% | 7,144 |
| Net loans and leases to total assets | 46.0026% | 6,830 |
| Net loans and leases to deposits | 57.6616% | 6,642 |
| Net loans and leases to core deposits | 63.3523% | 6,504 |
| Total domestic deposits to total assets | 79.7804% | 5,864 |
| Equity capital to assets | 17.0529% | 529 |
| Core capital (leverage) ratio | 16.2157% | 550 |
| Tier 1 risk-based capital ratio | 28.1584% | 629 |
| Total risk-based capital ratio | 29.3048% | 623 |
| Memoranda: | ||
| Average total assets | $43,914,000 | 6,956 |
| Average earning assets | $41,857,500 | 6,864 |
| Average equity | $7,307,500 | 6,083 |
| Average total loans | $20,277,000 | 7,144 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2245% | 5,535 |
| Cost of funding earning assets | 1.6490% | 4,799 |
| Net interest margin | 3.5755% | 4,635 |
| Noninterest income to average assets | 0.2746% | 6,144 |
| Noninterest expense to average assets | 2.9740% | 4,252 |
| Loan and lease loss provision to assets | 0.0465% | 7,100 |
| Net operating income to assets | 0.4385% | 3,977 |
| Return on assets (ROA) | 0.4385% | 4,094 |
| Pretax return on assets | 0.6776% | 3,656 |
| Return on Equity (ROE) | 2.7751% | 4,600 |
| Retained earnings to average equity (ytd only) | 2.7751% | 3,218 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4192% | 2,821 |
| Assets per employee ($millions) | 2.6382% | 6,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 3,269 |
| Loan loss allowance to noncurrent loans | 2,186.6667% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 7,437 |
| Noncurrent loans to loans | 0.0733% | 7,237 |
| Net loans and leases to total assets | 44.8763% | 7,064 |
| Net loans and leases to deposits | 54.0758% | 7,045 |
| Net loans and leases to core deposits | 87.6802% | 5,359 |
| Total domestic deposits to total assets | 82.9877% | 4,527 |
| Equity capital to assets | 16.2453% | 664 |
| Core capital (leverage) ratio | 16.0390% | 612 |
| Tier 1 risk-based capital ratio | 25.2123% | 822 |
| Total risk-based capital ratio | 26.3586% | 810 |
| Memoranda: | ||
| Average total assets | $45,158,200 | 6,905 |
| Average earning assets | $43,238,600 | 6,801 |
| Average equity | $7,135,000 | 6,225 |
| Average total loans | $22,356,600 | 7,070 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2318% | 5,752 |
| Cost of funding earning assets | 1.7184% | 4,810 |
| Net interest margin | 3.5134% | 4,811 |
| Noninterest income to average assets | 0.2269% | 6,605 |
| Noninterest expense to average assets | 2.9445% | 4,253 |
| Loan and lease loss provision to assets | 0.0619% | 6,745 |
| Net operating income to assets | 0.4009% | 4,397 |
| Return on assets (ROA) | 0.4009% | 4,500 |
| Pretax return on assets | 0.5954% | 4,199 |
| Return on Equity (ROE) | 2.5549% | 4,964 |
| Retained earnings to average equity (ytd only) | 2.5549% | 3,888 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7512% | 2,615 |
| Assets per employee ($millions) | 2.5928% | 7,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 4,603 |
| Loan loss allowance to noncurrent loans | 381.3953% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 7,040 |
| Noncurrent loans to loans | 0.3362% | 6,687 |
| Net loans and leases to total assets | 57.2871% | 5,997 |
| Net loans and leases to deposits | 69.2510% | 6,004 |
| Net loans and leases to core deposits | 114.8660% | 2,744 |
| Total domestic deposits to total assets | 82.7238% | 4,351 |
| Equity capital to assets | 16.3664% | 728 |
| Core capital (leverage) ratio | 15.9936% | 677 |
| Tier 1 risk-based capital ratio | 24.6154% | 935 |
| Total risk-based capital ratio | 25.7443% | 927 |
| Memoranda: | ||
| Average total assets | $45,235,250 | 6,953 |
| Average earning assets | $43,451,250 | 6,841 |
| Average equity | $7,097,250 | 6,289 |
| Average total loans | $22,832,000 | 7,102 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2320% | 5,950 |
| Cost of funding earning assets | 1.7897% | 4,810 |
| Net interest margin | 3.4423% | 5,017 |
| Noninterest income to average assets | 0.1929% | 6,912 |
| Noninterest expense to average assets | 2.9679% | 4,217 |
| Loan and lease loss provision to assets | 0.0921% | 6,249 |
| Net operating income to assets | 0.3069% | 4,862 |
| Return on assets (ROA) | 0.3069% | 4,978 |
| Pretax return on assets | 0.4384% | 4,832 |
| Return on Equity (ROE) | 1.9835% | 5,305 |
| Retained earnings to average equity (ytd only) | 1.9835% | 4,240 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8371% | 2,378 |
| Assets per employee ($millions) | 2.6482% | 6,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 3,699 |
| Loan loss allowance to noncurrent loans | 964.7059% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 7,394 |
| Noncurrent loans to loans | 0.1456% | 7,154 |
| Net loans and leases to total assets | 51.1484% | 6,769 |
| Net loans and leases to deposits | 61.4414% | 6,782 |
| Net loans and leases to core deposits | 101.1287% | 4,389 |
| Total domestic deposits to total assets | 83.2474% | 4,126 |
| Equity capital to assets | 15.8685% | 851 |
| Core capital (leverage) ratio | 15.1668% | 880 |
| Tier 1 risk-based capital ratio | 26.0881% | 857 |
| Total risk-based capital ratio | 27.2958% | 832 |
| Memoranda: | ||
| Average total assets | $45,621,000 | 6,996 |
| Average earning assets | $43,807,330 | 6,891 |
| Average equity | $7,058,330 | 6,349 |
| Average total loans | $21,916,330 | 7,218 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2024% | 6,285 |
| Cost of funding earning assets | 1.8918% | 4,665 |
| Net interest margin | 3.3106% | 5,459 |
| Noninterest income to average assets | 0.2613% | 6,363 |
| Noninterest expense to average assets | 2.8483% | 4,343 |
| Loan and lease loss provision to assets | 0.0523% | 6,304 |
| Net operating income to assets | 0.3310% | 5,158 |
| Return on assets (ROA) | 0.3310% | 5,347 |
| Pretax return on assets | 0.5313% | 4,973 |
| Return on Equity (ROE) | 2.1666% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.1666% | 4,666 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9949% | 2,408 |
| Assets per employee ($millions) | 2.7065% | 6,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 2,971 |
| Loan loss allowance to noncurrent loans | 217.3611% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 6,578 |
| Noncurrent loans to loans | 0.6915% | 5,680 |
| Net loans and leases to total assets | 44.5806% | 7,295 |
| Net loans and leases to deposits | 53.3417% | 7,325 |
| Net loans and leases to core deposits | 85.7453% | 5,925 |
| Total domestic deposits to total assets | 83.5757% | 3,890 |
| Equity capital to assets | 15.3855% | 990 |
| Core capital (leverage) ratio | 15.0958% | 947 |
| Tier 1 risk-based capital ratio | 27.8041% | 769 |
| Total risk-based capital ratio | 28.7302% | 766 |
| Memoranda: | ||
| Average total assets | $45,921,500 | 7,031 |
| Average earning assets | $43,979,500 | 6,933 |
| Average equity | $7,015,500 | 6,402 |
| Average total loans | $21,197,000 | 7,297 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1413% | 4,824 |
| Cost of funding earning assets | 2.7425% | 2,965 |
| Net interest margin | 3.3988% | 5,672 |
| Noninterest income to average assets | 0.2456% | 6,685 |
| Noninterest expense to average assets | 2.8424% | 4,632 |
| Loan and lease loss provision to assets | 0.0268% | 7,062 |
| Net operating income to assets | 0.4086% | 5,120 |
| Return on assets (ROA) | 0.4086% | 4,936 |
| Pretax return on assets | 0.6140% | 4,651 |
| Return on Equity (ROE) | 2.6461% | 5,366 |
| Retained earnings to average equity (ytd only) | 2.6461% | 3,537 |
| Net charge-offs to loans | 0.1660% | 4,543 |
| Credit loss provision to net charge-offs | 32.4324% | 6,507 |
| Earnings coverage of net charge-offs (x) | 7.7568% | 3,029 |
| Efficiency ratio | 81.6026% | 2,361 |
| Assets per employee ($millions) | 2.6960% | 6,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 3,061 |
| Loan loss allowance to noncurrent loans | 249.5935% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 6,504 |
| Noncurrent loans to loans | 0.5703% | 5,659 |
| Net loans and leases to total assets | 46.3912% | 7,293 |
| Net loans and leases to deposits | 55.3626% | 7,364 |
| Net loans and leases to core deposits | 90.8322% | 5,732 |
| Total domestic deposits to total assets | 83.7952% | 3,431 |
| Equity capital to assets | 15.1684% | 1,118 |
| Core capital (leverage) ratio | 15.3077% | 957 |
| Tier 1 risk-based capital ratio | 26.6353% | 852 |
| Total risk-based capital ratio | 27.6072% | 853 |
| Memoranda: | ||
| Average total assets | $44,786,800 | 6,999 |
| Average earning assets | $42,662,000 | 6,915 |
| Average equity | $6,915,800 | 6,488 |
| Average total loans | $22,292,400 | 7,179 |